CN107194697B

CN107194697B - The method and system of authorization are provided by mobile terminal

Info

Publication number: CN107194697B
Application number: CN201710339136.9A
Authority: CN
Inventors: 叶娃; 蔡润达; 刘鹏; 刘凯; 徐震宇
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2013-09-18
Filing date: 2013-09-18
Publication date: 2019-10-25
Anticipated expiration: 2033-09-18
Also published as: CN104063790B; CN107194697A; CN104063790A; WO2015039568A1

Abstract

The present invention is the divisional application of the patent of invention of application number 201310430889.2, disclose a kind of method by mobile terminal offer authorization, include: acquisition for mobile terminal authorization message corresponding with user's payment account, certificate information is generated according to the authorization message；It receives identifying code and generates instruction, being generated according to certificate information coding can be by the identifying code of phy-aware；Scanning device reads the identifying code by phy-aware mode and obtains certificate information, and extracts authorization message according to the certificate information.In addition, additionally providing a kind of system by mobile terminal offer authorization.Make user can be independent of network, so as to provide authorization service when mobile terminal is in off-line state using the process that mobile terminal provides authorization above by the method and system that mobile terminal provides authorization.

Description

The method and system of authorization are provided by mobile terminal

The application is application No. is 201310430889.2, and the applying date is on 09 18th, 2013, entitled " to pass through movement The divisional application of the application for a patent for invention of the method and system of terminal offer authorization "

Technical field

The present invention relates to mobile internet technical fields, provide the method for authorization by mobile terminal more particularly to a kind of And system.

Background technique

With the development of development of Mobile Internet technology, user can be used mobile-phone payment application and prop up whenever and wherever possible It pays.User can first pass through data communication channel or wifi access connection internet, then in mobile-phone payment application (such as online silver Row application or wealth pay the Third-party payments applications such as logical, Bei Bao, Alipay) on input the user name of payment account, password, vocal print or Fingerprint logs in the authorization of mobile-phone payment application to obtain, to complete to pay, transfer accounts or other operations.

However, inventor is it has been investigated that at least existing in traditional technology when providing authorization using mobile terminal is asked as follows Topic: user must input the data corresponding with authorization message such as password, vocal print or fingerprint and upload server in a network environment It could be authorized, and when the mobile terminal of user is in off-line state, it can not since mobile terminal can not upload data Authorized operation is carried out, so that there are the limitations that network relies on for the act of authorization of user.

Summary of the invention

Based on this, it is necessary to which authorization can be provided by mobile terminal when mobile terminal is in off-line state by providing one kind Method:

In a first aspect, providing a kind of method by mobile terminal offer authorization, comprising:

Mobile terminal obtains authorization message corresponding with user's payment account, the authorization message when being in connected state For for confirming the authorization code or grant number of user identity；

The mobile terminal generates certificate information according to the authorization message；

The mobile terminal receives identifying code when being in off-line state and generates instruction, can according to certificate information generation By the identifying code of phy-aware；

Scanning device reads the identifying code by phy-aware mode and obtains the certificate information, and according to the certificate Authorization message described in information extraction.

In one possible implementation, the mobile terminal can be by phy-aware according to certificate information generation The step of identifying code includes:

The mobile terminal generates the identifying code of figure code type according to the certificate information；

The scanning device reads the step of identifying code obtains the certificate information by phy-aware mode and also wraps It includes:

The scanning device obtains the certificate information by scanning figure shape code.

The mobile terminal generates the identifying code of near-field communication type of message according to the certificate information；

The scanning device obtains the certificate information by inductive near field communication information.

The mobile terminal generates the identifying code of vocal print code type according to the certificate information；

The scanning device is captured by vocal print and decodes to obtain the certificate information.

In one possible implementation, the step of mobile terminal generates certificate information according to the authorization message Further include:

The mobile terminal periodically obtains system parameter message, and according to the system parameter message and the authorization message Generate certificate information；

Wherein, the system parameter message includes at least one of system time, system version or device identification.

In one possible implementation, whether the acquisition process of the system parameter message is located with the mobile terminal It is unrelated in the connected state；

In one possible implementation, the mobile terminal is being in the off-line state and the user is not used The system parameter message is periodically obtained when payment account and its password login are applied accordingly.

In one possible implementation, the scanning device is according to the system parameter message to the certificate information It is decoded authorized information.

It in one possible implementation, further include payment threshold value in the certificate information；

The method also includes:

The scanning device obtains payment amount by extracting the payment threshold value in the certificate information, described in judgement Whether payment amount is greater than the payment threshold value, if so, obtaining the authorization message failure.

In one possible implementation, the method also includes:

The mobile terminal accesses payment server according to user's payment account when being in the connected state, under Carry transaction record；And confirmation payment instruction is uploaded to the payment server according to the transaction record.

Second aspect provides a kind of system by mobile terminal offer authorization, including the mobile terminal and scanning Equipment；

The mobile terminal is used to obtain authorization message corresponding with user's payment account when being in connected state；

The mobile terminal is used to generate certificate information according to the authorization message, and the authorization message is to use for confirming The authorization code or grant number of family identity；

The mobile terminal, which is used to receive identifying code when being in off-line state, generates instruction, raw according to the certificate information At can be by the identifying code of phy-aware；

The scanning device, which is used to read the identifying code by phy-aware mode, obtains the certificate information, and according to The certificate information extracts the authorization message.

In one possible implementation, the mobile terminal is also used to generate graphic code class according to the certificate information The identifying code of type；

The scanning device is also used to obtain the certificate information by scanning figure shape code.

In one possible implementation, the mobile terminal is also used to generate near-field communication according to the certificate information The identifying code of type of message；

The scanning device is also used to obtain the certificate information by inductive near field communication information.

In one possible implementation, the mobile terminal, which is also used to be encoded according to the certificate information, generates vocal print The identifying code of code type；

The scanning device is also used to capture by vocal print to obtain the certificate information.

In one possible implementation, the mobile terminal is also used to periodically obtain system parameter message, and according to The system parameter message and the authorization message generate the certificate information；

In one possible implementation, whether the acquisition process of the system parameter message is located with the mobile terminal It is unrelated in the connected state.

In one possible implementation, the scanning device is also used to according to the system parameter message to the card Letter breath is decoded to obtain the authorization message.

The scanning device is also used to by extracting the payment threshold value in the certificate information, and obtains payment amount, is sentenced Whether the payment amount of breaking is greater than the payment threshold value, if so, obtaining authorization message failure.

In one possible implementation, the mobile terminal is also used to set when in off-line state to the scanning It is standby to show the identifying code.

In one possible implementation, the mobile terminal is also used to when in the connected state according to User's payment account accesses payment server, download transactions record；And confirmation payment instruction is uploaded extremely according to the transaction record The payment server.

The third aspect provides a kind of method for generating the identifying code comprising authorization message, which comprises

Authorization message corresponding with user's payment account is being obtained under connected state, the authorization message is for true Recognize the authorization code or grant number of user identity；

Certificate information is generated according to the authorization message；

Identifying code is received when being in off-line state and generates instruction, and being generated according to certificate information coding can be by physics sense The identifying code known.

In one possible implementation, it is that graphic code generates instruction that the identifying code, which generates instruction,；

It is described according to the certificate information generation can be by the identifying code of phy-aware the step of further include:

The identifying code of figure code type is generated according to the certificate information.

In one possible implementation, it is that near-field communication message generates instruction that the identifying code, which generates instruction,；

The identifying code of near-field communication type of message is generated according to the certificate information.

In one possible implementation, it is that vocal print code generates instruction that the identifying code, which generates instruction,；

The identifying code of vocal print code type is generated according to the certificate information.

In one possible implementation, described the step of certificate information is generated according to the authorization message further include:

System parameter message is periodically obtained, and certificate letter is generated according to the system parameter message and the authorization message Breath；

It in one possible implementation, further include payment threshold value in the certificate information.

In one possible implementation, the method also includes:

Payment server, download transactions record are accessed according to user's payment account when being in the connected state；

Confirmation payment instruction is uploaded to the payment server according to the transaction record.

Fourth aspect, provides a kind of device for generating the identifying code comprising authorization message, and described device includes:

Certificates constructing module, for obtaining authorization message corresponding with user's payment account, institute when being in connected state Stating authorization message is the authorization code or grant number for confirming user identity；

The certificates constructing module is also used to generate certificate information according to the authorization message；

Identifying code generation module generates instruction for receiving identifying code, and being generated according to certificate information coding can be by object Manage the identifying code of perception.

The identifying code generation module is also used to generate the identifying code of figure code type according to the certificate information.

The identifying code generation module is also used to generate the identifying code of near-field communication type of message according to the certificate information.

The identifying code generation module is also used to generate the identifying code of vocal print code type according to the certificate information.

In one possible implementation, the certificates constructing module is also used to timing acquisition system parameter message, and Generate certificate information according to the system parameter message and the authorization message, the system parameter message include system time, At least one of system version or device identification.

In one possible implementation, described device further include:

For accessing payment server, download transactions note according to user's payment account when being in the connected state The module of record；

For uploading the module of confirmation payment instruction to the payment server according to the transaction record.

5th aspect provides a kind of method of authorization message for reading and storing in mobile terminal, which comprises

The identifying code that mobile terminal provides when in off-line state, which is read, by phy-aware mode obtains certificate information；

According to the certificate information extract authorization message, the authorization message be for confirm user identity authorization code or Grant number.

In one possible implementation, described that mobile terminal life under off-line state is read by phy-aware mode At identifying code obtain certificate information the step of further include:

The certificate information is obtained by scanning the graphic code that the mobile terminal generates.

In one possible implementation, the identifying code for reading mobile terminal generation by phy-aware mode obtains The step of to certificate information further include:

The certificate information is obtained by incuding the near-field communication message that the mobile terminal generates.

The certificate information is obtained by capturing the vocal print code that the mobile terminal generates.

In one possible implementation, the certificate information is believed comprising system parameter corresponding with the mobile terminal Breath, the system parameter message includes at least one of system time, system version or device identification；

Described the step of authorization message is extracted according to the certificate information further include:

The certificate information is decoded according to the system parameter message to obtain the authorization message.

The method also includes:

By extracting the payment threshold value in the certificate information, and payment amount is obtained, whether judges the payment amount Greater than the payment threshold value, if so, obtaining the authorization message failure.

In one possible implementation, the method also includes:

Payment amount and authorization collecting account are obtained, by the authorization message, the payment amount and the authorization Collecting account is sent to payment server.

6th aspect, provides a kind of device of authorization message for reading and storing in mobile terminal, and described device includes:

Certificate read module is tested for read that mobile terminal generates when in off-line state by phy-aware mode Card code obtains certificate information；

Authorization message extraction module, for according to the certificate information extract authorization message, the authorization message be for Confirm the authorization code or grant number of user identity.

In one possible implementation, the certificate read module is also used to generate by scanning the mobile terminal Graphic code and decode it to obtain the certificate information.

In one possible implementation, the certificate read module is also used to generate by incuding the mobile terminal Near-field communication message obtain the certificate information.

In one possible implementation, the certificate read module is also used to generate by capturing the mobile terminal Vocal print code obtain the certificate information.

In one possible implementation, the certificate information includes system parameter message corresponding with mobile terminal, The system parameter message includes at least one of system time, system version or device identification；

The authorization message extraction module is also used to be decoded the certificate information according to the system parameter message Obtain the authorization message.

The authorization message extraction module is also used to by extracting the payment threshold value in the certificate information, and obtains payment Number, judges whether the payment amount is greater than the payment threshold value, if so, obtaining the authorization message failure.

In one possible implementation, described device further include:

For obtaining payment amount and authorization collecting account, by the authorization message, the payment amount and described Authorization collecting account is sent to the module of payment server.

7th aspect, provides a kind of method paid by mobile terminal, which comprises

The authorization of user's payment account corresponding with authorization message is obtained, the authorization message is for confirming user identity Authorization code or grant number；

Payment amount is paid by user's payment account into authorization collecting account；

Wherein, the authorization message is that scanning device is obtained by the identifying code that phy-aware mode reads mobile terminal generation It arrives；The identifying code is that mobile terminal acquisition when in connected state is corresponding with user's payment account described Certificate information is generated after authorization message, according to the authorization message and receives identifying code generation when being in off-line state refers to It is generated when enabling, according to the certificate information.

In one possible implementation, described to pay the payment amount to described by user's payment account Authorization collecting account in step include:

The payment amount is paid by user's payment account into third party guarantees account, and is generated and the use Family payment account and the corresponding transaction record of the authorization collecting account.

In one possible implementation, described pay payment amount to authorization by user's payment account is collected money Step in account further include:

The confirmation payment instruction uploaded is received, the corresponding transaction record of the confirmation payment instruction is obtained；

Obtain authorization collecting account corresponding with the transaction record and the payment amount, by the payment amount by The third party guarantees bill payment is into the authorization collecting account.

In one possible implementation, the payment server is by the payment amount by user's payment account Pay the step into the authorization collecting account further include:

The feedback information corresponding with the transaction record uploaded is received, and periodically obtains the transaction record；

Obtain the corresponding authorization collecting account of the transaction record, the payment amount and the corresponding feedback information；

The payment amount is collected money by the third party guarantees bill payment to the authorization according to the feedback information In account.

In one possible implementation, described to pay the payment amount to described by user's payment account Before step in authorization collecting account further include:

Gathering threshold value corresponding with the authorization collecting account is obtained, judges whether the payment amount is greater than the gathering Threshold value, if so, returning to the notice of payment failure.

Eighth aspect, provides a kind of device paid by mobile terminal, and described device includes:

For obtaining the module of the authorization of user's payment account corresponding with authorization message, the authorization message is for true Recognize the authorization code or grant number of user identity；

For payment amount to be paid the module into authorization collecting account by user's payment account；

Wherein, that be scanning device by phy-aware mode read mobile terminal to the authorization message is raw under off-line state At identifying code obtain；The identifying code is that the mobile terminal is corresponding with user's payment account in connected state acquisition The authorization message after certificate information generated according to the authorization message, and receive under off-line state identifying code generation and refer to It is generated when enabling according to the certificate information.

In one possible implementation, described device specifically includes:

For being paid the payment amount by user's payment account into third party guarantees account, and generation and institute State the module of user's payment account and the corresponding transaction record of the authorization collecting account.

In one possible implementation, described device specifically includes:

For receiving the confirmation payment instruction uploaded, the corresponding transaction record of the confirmation payment instruction is obtained；Obtain with The corresponding authorization collecting account of transaction record and the payment amount, by the payment amount by the third party guarantees Bill payment to it is described authorization collecting account in module.

In one possible implementation, described device specifically includes:

For receiving the feedback information corresponding with the transaction record uploaded, and periodically obtain the transaction record；It obtains Take the corresponding authorization collecting account of the transaction record, the payment amount and the corresponding feedback information；According to described anti- Feedforward information is by the payment amount by the third party guarantees bill payment to the module in the authorization collecting account.

In one possible implementation, described device specifically includes:

For obtaining gathering threshold value corresponding with the authorization collecting account, it is described to judge whether the payment amount is greater than Gathering threshold value, if so, returning to the module of the notice of payment failure.

9th aspect, provides a kind of method paid by mobile terminal, which comprises

Scanning device reads the authorized information of identifying code of mobile terminal generation by phy-aware mode, obtains payment The authorization message, payment amount and authorization collecting account are sent to payment server by number and authorization collecting account； The authorization message is the authorization code or grant number for confirming user identity；

The payment server obtains the authorization of user's payment account corresponding with the authorization message, by the payment number Volume is paid by user's payment account into the authorization collecting account；

Wherein, the identifying code is that the mobile terminal obtains and user's payment account pair when in connected state Certificate information is generated according to the authorization message after the authorization message answered, and receives identifying code when being in off-line state According to the certificate information generation when generating instruction.

In one possible implementation, the payment server is by the payment amount by user's payment account Pay to it is described authorization collecting account in step include:

The payment server is paid the payment amount into third party guarantees account by user's payment account, And generate transaction record corresponding with user's payment account and the authorization collecting account.

The payment server receives the confirmation payment instruction uploaded, obtains the corresponding transaction note of the confirmation payment instruction Record obtains authorization collecting account corresponding with the transaction record and payment amount, by the payment amount by the third Square secured account payment is into the authorization collecting account.

The payment server receives the feedback information corresponding with the transaction record uploaded, and periodically obtains transaction note Record, obtains the corresponding authorization collecting account of the transaction record, payment amount and corresponding feedback information, according to the feedback letter Breath is by the payment amount by the third party guarantees bill payment into the authorization collecting account.

In one possible implementation, the payment server is by the payment amount by user's payment account It pays to before the step authorized in collecting account further include:

The payment server obtains gathering threshold value corresponding with the authorization collecting account, judges that the payment amount is It is no to be greater than the gathering threshold value, if so, returning to the notice of payment failure.

Tenth aspect, provides a kind of system paid by mobile terminal, the system comprises scanning device and Payment server, in which:

Scanning device is used to read the authorized information of identifying code of mobile terminal generation by phy-aware mode, obtains The authorization message, payment amount and authorization collecting account are sent to payment clothes by payment amount and authorization collecting account Business device, the authorization message are the authorization code or grant number for confirming user identity；

The payment server is used to obtain the authorization of user's payment account corresponding with the authorization message, by the branch Number is paid to be paid by user's payment account into the authorization collecting account；

In one possible implementation, the payment server is also used to the payment amount by user's branch Bill payment is paid into third party guarantees account, and is generated corresponding with user's payment account and the authorization collecting account Transaction record.

In one possible implementation, the payment server is also used to receive the confirmation payment instruction of upload, obtains The corresponding transaction record of the confirmation payment instruction is taken, authorization collecting account corresponding with the transaction record and payment are obtained Number, by the payment amount by the third party guarantees bill payment into the authorization collecting account.

In one possible implementation, the payment server is being also used to receive upload with the transaction record pair The feedback information answered, and periodically obtain transaction record, obtain the corresponding authorization collecting account of the transaction record, payment amount and Corresponding feedback information is awarded the payment amount by the third party guarantees bill payment according to the feedback information described in It weighs in collecting account.

In one possible implementation, the payment server is also used to obtain corresponding with the authorization collecting account Gathering threshold value, judge whether the payment amount is greater than the gathering threshold value, if so, return payment failure notice.

On the one hand tenth, provides a kind of offline electronic payment method, which comprises

Mobile terminal obtains authorization message corresponding with user's payment account when being in connected state, according to the authorization Information generates certificate information；Identifying code is received when being in off-line state generates instruction, it can quilt according to certificate information generation The identifying code of phy-aware；The authorization message is the authorization code or grant number for confirming user identity；

Scanning device reads the identifying code by phy-aware mode and decodes it authorized information, obtains payment Number and authorization collecting account, are sent to branch for the authorization message, the payment amount and the authorization collecting account Pay server；

The payment server obtains the authorization of user's payment account corresponding with the authorization message, by the payment number Volume is paid by user's payment account into the authorization collecting account.

12nd aspect, provides a kind of offline electronic payment system, including mobile terminal, scanning device and payment server:

The mobile terminal is used to obtain authorization message corresponding with user's payment account when being in connected state, according to The authorization message generates certificate information；Identifying code is received when being in off-line state and generates instruction, according to the certificate information Generation can be by the identifying code of phy-aware；The authorization message is the authorization code or grant number for confirming user identity；

The scanning device is used to read the authorized information of the identifying code by phy-aware mode, obtains payment number The authorization message, payment amount and authorization collecting account are sent to the payment services by volume and authorization collecting account Device；

The payment server is used to obtain the authorization of user's payment account corresponding with the authorization message, by the branch Number is paid to be paid by user's payment account into the authorization collecting account.

13rd aspect, provides a kind of computer-readable storage medium, which is characterized in that deposit in the storage medium One or more programs are contained, described program is performed the possibility implementation institute for realizing the third aspect or the third aspect as above The method of offer, alternatively, described program, which is performed, realizes that the possibility implementation of the 5th aspect or the 5th aspect as above is mentioned The method of confession, alternatively, described program, which is performed, realizes that the possibility implementation of the 7th aspect or the 7th aspect as above is provided Method.

Above by mobile terminal provide authorization method and system, generate comprising authorization message identifying code method and Device, the method and device for obtaining the authorization message stored in mobile terminal by method that mobile terminal is paid and are In system and offline electronic payment method and system, mobile terminal can be when being in off-line state first according to corresponding with user's payment account Authorization message generate certificate information, then the certificate information encoded after the identifying code for receiving user's input generates instruction At can be by the identifying code of phy-aware.Scanning device can read this in a manner of phy-aware various types of sensors Identifying code simultaneously extracts corresponding authorization message.So that mobile terminal is not necessarily to password, vocal print or fingerprint etc. verifying user identity Information upload authorization corresponding with its user's payment account can be provided for scanning device so that licensing process does not depend on In network environment, the authorization when mobile terminal is in off-line state is realized.

Detailed description of the invention

Fig. 1 is provides the flow chart of the method for authorization by mobile terminal in one embodiment；

Fig. 2 is the structural schematic diagram of offline electronic payment system in one embodiment；

Fig. 3 is the interaction schematic diagram being read out when using graphic code in one embodiment as identifying code；

Fig. 4 is the interaction schematic diagram being read out when using vocal print code in one embodiment as identifying code；

Fig. 5 is the interaction schematic diagram being read out when using NFC message in one embodiment as identifying code；

Fig. 6 is the flow chart of the method paid in one embodiment by mobile terminal；

Fig. 7 is the flow chart of offline electronic payment method in one embodiment；

Fig. 8 is the interaction timing diagram of offline electronic payment process in one embodiment；

Fig. 9 is the interaction timing diagram of offline electronic payment process in another embodiment；

Figure 10 is the flow chart that the method for the identifying code comprising authorization message is generated in one embodiment；

Figure 11 is the structural schematic diagram that the device of the identifying code comprising authorization message is generated in one embodiment；

Figure 12 is the flow chart that the method for the authorization message stored in mobile terminal is read in one embodiment；

Figure 13 is the structural schematic diagram that the device of the authorization message stored in mobile terminal is read in one embodiment.

Specific embodiment

In one embodiment, as shown in Figure 1, a kind of provide the method for authorization by mobile terminal, this method is depended on Computer program is run in the computer system based on Von Neumann system.As shown in Fig. 2, the computer system may include Mobile terminal 10, scanning device 20 and payment server 30.Wherein, mobile terminal 10 can be smart phone, tablet computer, the palm The portable terminals such as upper computer, smartwatch.Scanning device 20 can be with camera, microphone or NFC (Near Field Communication, i.e. near field wireless communication technique) induction chip POS machine (Point of Sale, sale eventually End).Payment server 30 can be online banking service device, Third-party payment server or the third party as proxy payment and take Business device.

It should be noted that being moved above by the method that mobile terminal provides authorization when being run in the computer system Whether dynamic terminal 10 is unrelated with the execution of this method in connected state.

In the present embodiment, this method comprises:

Step S102, acquisition for mobile terminal authorization message corresponding with user's payment account are generated according to authorization message and are demonstrate,proved Letter breath；It receives identifying code and generates instruction, being generated according to certificate information coding can be by the identifying code of phy-aware.

User's payment account can be the account that user registers in Third-party payment platform, be also possible to the online of user Bank account can also be the social network account or online game account of user.User's payment account is in its corresponding application In include finance data, including physical monetary data (such as the entities goods such as RMB, Hongkong dollar or dollar in Web bank's application Coin data) and ideal money data (such as the virtual goods such as forum score, online game coin or social networking application repaid card data Coin data).

Authorization message is being used for for Third-party payment platform, Web bank, social networking application or online game offer Confirm the authorization code or grant number of user identity.Its corresponding Third-party payment platform, online silver can be obtained by authorization message The authorization of row, social networking application or online game application, so that the finance data of its corresponding user's payment account be paid Or transfer accounts to other users, without using user's payment account and its password login to apply accordingly.User can move in advance Dynamic terminal inputs password, vocal print or fingerprint to download corresponding authorization message when being in connected state, and stores to mobile whole On end.

In the present embodiment, sensor can be can be used to perceive by physics mode by identifying code, that is, user of phy-aware Verification information, it may include at least one of graphic code, near-field communication message, vocal print code.It can be by the identifying code of phy-aware It does not need mobile terminal and other equipment and establishes after network connection to send it to the equipment by mobile terminal again, in other equipment The identifying code that can be shown by physics mode automatic sensing to the mobile terminal with a plurality of types of physics modes of sensor.

Step S104, scanning device reads identifying code by phy-aware mode and obtains certificate information, and is believed according to certificate Breath extracts authorization message.

Scanning device is that scanning device passes through a plurality of types of biographies by the mode that phy-aware mode reads identifying code Sensor perceives the identifying code of mobile terminal displaying by physics mode, rather than is sent out by mobile terminal by network connection Give scanning device.

In one embodiment, as shown in figure 3, mobile terminal can be encoded according to certificate information generates testing for figure code type Demonstrate,prove code.Scanning device can pass through scanning figure shape code and decode it to obtain certificate information.Graphic code can be bar code, two dimensional code The identifying code of equal image types.Mobile terminal can generate graphic code after the graphic code for receiving user's input generates instruction, and It is shown in the form of picture.Scanning device can be scanned by the graphic code that camera shows mobile terminal, then The graphic code read is decoded to obtain certificate information.

In one embodiment, as shown in figure 4, mobile terminal can be encoded according to certificate information generates testing for vocal print code type Demonstrate,prove code.Scanning device can be captured by vocal print and decode to obtain certificate information.Mobile terminal is in the vocal print for receiving user's input Corresponding vocal print code is generated according to certificate information after code generation instruction, and the vocal print code is played by loudspeaker and is shown.Face Close scanning device can be captured the vocal print code by equipment such as microphones and decode it to obtain corresponding certificate information.

In one embodiment, as shown in figure 5, mobile terminal can be encoded according to certificate information generates near-field communication message class The identifying code of type.Scanning device can pass through inductive near field communication information and decode it to obtain certificate information.Near-field communication (NFC, Near Field Communication) message is the identifying code encoded by NFC chip.User can lean on mobile terminal Then nearly scanning device inputs near-field communication message and generates instruction.Mobile terminal can be in the near-field communication for receiving user's input Certificate information is encoded by near-field communication message by NFC chip after message generation instruction, the scanning device closed on can pass through NFC chip senses the near-field communication message, and decodes and obtain certificate information.

In the present embodiment, the step of mobile terminal generates certificate information according to authorization message further include: mobile terminal obtains System parameter message is taken, and certificate information is generated according to system parameter message and authorization message, system parameter message includes system At least one of time, system version or device identification.

Scanning device can be decoded authorized information to certificate information according to the system parameter message.

Further, mobile terminal can periodically obtain system parameter message, and according to the system parameter message more new authentication Information.That is, the certificate information on mobile terminal is the data periodically changed, thus quilt after preventing certificate information to be stolen Criminal's Reusability.

In an application scenarios, this method can be based on social networking application, and user can be in advance by its social networks account It binds with its Web bank's account or is bound with its Third-party payment account, logging in the social networking application on mobile terminal Afterwards, its corresponding authorization message in Web bank or Third-party payment platform is obtained, mobile terminal can be every 30 seconds or 1 minute Etc. the preset update cycle obtain the corresponding system time of mobile terminal, system version information, device identification (equipment factory serial number or IMEI code, International Mobile Equipment Identity, International Mobile Equipment Identity code) or social networks Then account is encrypted according to information such as authorization message, system time, system version information, device identification and social networks accounts Generate certificate information.

For example, if after the graphic code solution screen protection that mobile terminal is generated according to certificate information is first saved as screenshot by user, then The screenshot is supplied to scanning device and is scanned by the time for waiting more than 30 seconds update cycles, and scanning device can obtain it certainly Then it is carried out phase reducing with the system time in the certificate information that reads, can identify this by the system time of body Graphic code is out of date, and the certificate information read is invalid certificates, so that authorization message can not be extracted, i.e. scanning device obtains Authorization message is taken to fail.

For another example can then upload the mobile terminal after replacement by social networking application after user has replaced mobile terminal System version information and/or the information such as device identification and replace the mobile terminal before the replacement stored in social networking application Relevant system parameters.If the identifying code shown on the mobile terminal before replacement is showed bar coded, scanning is set It is standby the information such as system version information corresponding with the user and/or device identification to be downloaded by social networking application, then by it It is compared with the system parameter message for including in certificate information.Since the mobile terminal of user has been replaced, the two is not Matching, then can not be by extracting authorization message in certificate information, i.e. scanning device obtains authorization message failure.

In one embodiment, it may also include payment threshold value in certificate information.Scanning device can also be by mentioning in certificate information Payment threshold value is taken, and obtains payment amount, judges whether payment amount is greater than payment threshold value, is lost if so, obtaining authorization message It loses.

It is provided in application scenarios of the authorization to be paid at one by mobile terminal, user can pay with user Setting payment threshold value in the corresponding social networking application of account.Mobile terminal can get the payment according to the social networking application Then the payment threshold value is added in threshold value when generating certificate information.

Service or commodity provider can be inputted payment amount by scanning device and user showed to confirm, after user's confirmation Identifying code can be inputted and generate instruction, and mobile terminal is showed into service or commodity provider.Service or commodity provider are logical After overscanning equipment is read out it in a manner of phy-aware, if the payment threshold value for including in certificate information is less than the payment Number, then it represents that the finance data of this consumer need payment of the user has been more than the consumer expectation of the user, thus can not Authorization is provided.

In one embodiment, as shown in Fig. 2, a kind of provide the system of authorization, including mobile terminal by mobile terminal 10 and scanning device 20, in which:

Mobile terminal 10 generates certificate letter for obtaining authorization message corresponding with user's payment account, according to authorization message Breath；It receives identifying code and generates instruction, being generated according to certificate information coding can be by the identifying code of phy-aware.

Scanning sets 20 and obtains certificate information for reading identifying code by phy-aware mode, and is extracted according to certificate information Authorization message.

In one embodiment, mobile terminal 10 is also used to encode the verifying for generating figure code type according to certificate information Code；

Scanning device 20 is also used to pass through scanning figure shape code and decodes it to obtain certificate information.

In one embodiment, mobile terminal 10, which is also used to be encoded according to certificate information, generates near-field communication type of message Identifying code.

Scanning sets 20 and is also used to pass through inductive near field communication information and decodes it to obtain certificate information.

In one embodiment, mobile terminal 10 is also used to encode the verifying for generating vocal print code type according to certificate information Code.

Scanning device 20 is also used to capture by vocal print and decodes to obtain certificate information.

In one embodiment, mobile terminal 10 is also used to obtain system parameter message, and according to system parameter message and Authorization message generates certificate information, and system parameter message includes at least one of system time, system version or device identification；

Scanning device 20 is also used to be decoded authorized information to certificate information according to system parameter message.

It in one embodiment, further include payment threshold value in certificate information.

Scanning device 20 is also used to by extracting payment threshold value in certificate information, and obtains payment amount, judges payment amount Whether payment threshold value is greater than, if so, obtaining authorization message failure.

In one embodiment, as shown in fig. 6, a kind of method paid by mobile terminal, this method depend on Computer program is run in the computer system based on Von Neumann system.As shown in Fig. 2, the computer system may include Mobile terminal 10, scanning device 20 and payment server 30.Wherein, mobile terminal 10 can be smart phone, tablet computer, the palm The portable terminals such as upper computer, smartwatch.Scanning device 20 can be with camera, microphone or NFC (Near Field Communication, i.e. near field wireless communication technique) induction chip POS machine (Point of Sale, sale eventually End).Payment server 30 can be online banking service device, Third-party payment server or the third party as proxy payment and take Business device.

This method comprises:

Step S202, scanning device read the identifying code of mobile terminal generation by phy-aware mode and decode it To authorization message, payment amount and authorization collecting account are obtained, by authorization message, payment amount and authorization collecting account hair Give payment server.

As before, may include the sensing equipments such as camera, microphone or NFC chip in scanning device, scanning device can pass through The graphic code picture of camera scanning mobile terminal generation incudes the NFC message or pass through that mobile terminal generates by NFC chip To obtain the certificate information of the middle storage of mobile terminal, then again microphone captures the vocal print code of the loudspeaker sending of mobile terminal Authorized information is extracted by decoding certificate information.

Authorize collecting account include Web bank's account of ISP or commodity provider, Third-party payment account, Social network account or online game account etc..And authorizing collecting account also includes to be awarded in advance by the gathering that payment server obtains Information is weighed, to confirm the ISP or commodity provider for the finance data recipient with legal identity.

Authorization message of collecting money can be in ISP or commodity provider registed authorization collecting account to payment server Application obtains.ISP or commodity provider can submit the data such as business information, ID card information and guarantee fund when registering, Contact staff after the approval, can distribute gathering authorization message to the authorization collecting account by payment server.Service or This can be included that the authorization collecting account of gathering authorization message is stored in scanning device by commodity provider.

In the present embodiment, payment amount can be manually entered to obtain by ISP or commodity provider.For example, one In a application scenarios, scanning device can be the PC with camera.Consumer wishes through smart phone offline Primary haircut consumption is paid under state, then the cashier of barber shop can input payment amount on PC manually, and show Confirm to consumer, the corresponding application of this method can be opened on smart phone after consumer's confirmation, then by the figure of generation Shape code picture presentation give the cashier, the cashier can be scanned by the camera on PC the graphic code picture to It is extracted to obtain the corresponding authorization message of the consumer by the scanning device.

In another embodiment, payment amount can also be obtained by reading configuration file.For example, in an application scenarios In, scanning device can be the vending machine for beverage with NFC chip.When consumer wishes through smartwatch in offline shape When buying one bottle of beverage under state, then the consumer first can select beverage according to the marked price on vending machine, and the marked price is corresponding Payment amount is storable in the configuration file of vending machine.Then consumer can be corresponding close to the beverage by smartwatch NFC inductor, to be sent to the certificate information that the application corresponding with this method on smartwatch generates automatically by NFC Vending machine.Vending machine then can extract authorized information, and read corresponding branch according to the corresponding beverage mark of NFC inductor Pay number.Vending machine can open corresponding hang according to the corresponding beverage mark of NFC inductor after continuation payment success Lock, consumer can take beverage away and complete transaction.

In one embodiment, for mobile terminal and scanning device with NFC chip, scanning device will believe authorization Breath, payment amount and authorization collecting account are sent to before payment server also return by NFC to mobile terminal and prompt Message may include the information such as name of product, product quantity and payment amount in the prompt information.Mobile terminal is connect by NFC It receives the prompt information to be shown later, confirmation is then returned to scanning device by NFC after the instruction of user's input validation Pay message, scanning device receive the confirmation payment message after again by authorization message, payment amount and authorization gathering account Family is sent to payment server.

Step S204, payment server obtains the authorization of user's payment account corresponding with authorization message, by payment amount It is paid by user's payment account into authorization collecting account.

In the present embodiment, payment server can obtain corresponding Web bank according to authorization message, Third-party payment is put down The authorization of platform, social networking application or online game application, is then paid payment amount by user corresponding with authorization message Bill payment gives authorization collecting account.Payment amount can correspondent entity currency finance data, ideal money finance number can also be corresponded to According to.

In another embodiment, user's payment account and authorization collecting account can be Third-party payment account.

Payment amount is paid into the step into authorization collecting account by user's payment account can include:

Payment server is paid payment amount into third party guarantees account by user's payment account, and generation and user Payment account transaction record corresponding with authorization collecting account.

In the present embodiment, payment server receives the confirmation payment instruction uploaded, and it is corresponding to obtain confirmation payment instruction Transaction record obtains authorization collecting account corresponding with transaction record and payment amount, by payment amount by third party guarantees Bill payment is into authorization collecting account.

In the present embodiment, user can access payment clothes after mobile terminal is in connected state according to user's payment account Device download transactions of being engaged in record, and confirmation payment instruction is uploaded to payment server according to the transaction record that mobile terminal is shown.? In other embodiments, user can also on other networked devices on such as PC, laptop equipment according to user's branch Account access payment server is paid, and uploads confirmation payment instruction.

That is, the verifying that service or commodity provider are shown by the mobile terminal of bar coded off-line state The authorized information of code is simultaneously uploaded to after payment server, payment server there is no by user's payment account with payment number The corresponding finance data direct payment of volume gives authorization collecting account, but first paid that Third-party payment platform provides the On tripartite's secured account.The third party guarantees account can play the role of guarantee, only when consumer connects internet again, lead to Cross mobile terminal or other networked devices access payment server browse the transaction record and it confirmed after, payment clothes Business device just can give the corresponding finance data of payment amount to the authorization collecting account by third party guarantees bill payment.To prevent ISP or commodity provider sell counterfeit and shoddy goods.

And if consumer has found that the commodity of its purchase are fake products, can not confirm that the transaction records, and to payment Server submits instrument of evidence filing of the award.Contact staff can be obtained the instrument of evidence by payment server and be examined it Payment amount can be returned to the use of consumer after businessman corresponding with authorization collecting account negotiates if audit passes through by core In the payment account of family.Preferably, if long term consumer does not confirm the transaction, the generation time time-out of transaction record Afterwards, payment amount can be paid to authorization collecting account automatically.

For example, this method is based on social networking application in an application scenarios.Consumer can pass through social networking application Account logs in payment server and checks its transaction record, and confirms to it.Wish if consumer buys counterfeit and shoddy goods Reimbursement can then input reimbursement instruction, and send the types such as picture, text or video to its customer service account by social networking application The instrument of evidence.Contact staff can receive the instrument of evidence by customer service account, if audit passes through, by payment amount by third Square secured account returns to the corresponding user's payment account of social networking application account of the initiation reimbursement.

In another embodiment, payment server receives the feedback information corresponding with transaction record uploaded, and periodically Transaction record is obtained, the corresponding authorization collecting account of transaction record, payment amount and corresponding feedback information are obtained, according to feedback Information is by payment amount by third party guarantees bill payment into authorization collecting account.

That is, may have access to payment clothes after user connects internet again by mobile terminal or other terminal devices Business device browses the transaction record, and adds corresponding feedback information, and feedback information may include evaluation information and/or the instrument of evidence. Payment server can periodically (such as billing cycle weekly, monthly) carry out transaction record (i.e. the migration of finance data records) Clearing obtain the corresponding feedback information of transaction record.If feedback information is commented for difference, and is incidentally provided with the corresponding instrument of evidence, Then the payment amount in third party guarantees account can be returned to the corresponding use of transaction record after negotiating with businessman by contact staff Family payment account.

Preferably, the corresponding service provider of authorization collecting account or commodity provider can also be punished, punishment side Formula may include Frozen Account, pay when deducting its registed authorization collecting account guarantee fund reduces its credit rating or extends it Billing cycle etc.；If feedback information is favorable comment or does not evaluate, payment amount can be given to authorization by Third-party payment bill payment Collecting account.

Preferably, ISP or commodity provider can upload commodity price-list to payment server in advance.Payment clothes Be engaged in device to the authorization collecting account carry out transaction record clearing when, can determine whether the corresponding payment amount of transaction record whether with phase The commodity price-list matching answered, if so, giving payment amount to authorization collecting account by third party guarantees bill payment.For example, Corresponding price numerical value can be searched in commodity price-list according to the product name in transaction record, if payment amount and the price Values match then gives payment amount to authorization collecting account by third party guarantees bill payment.

Further, payment server is paid payment amount to authorization by user's payment account corresponding with authorization message Before step in collecting account further include:

Payment server obtains gathering threshold value corresponding with authorization collecting account, judges whether payment amount is greater than gathering threshold Value, if so, returning to the notice of payment failure.

The registration information that payment server is submitted when can be previously according to authorization collecting account registration sorts out it, and is Gathering threshold value is respectively set in the type of different authorization collecting accounts.For example, being awarding for convenience store for the type of registration information Collecting account is weighed, the type that corresponding gathering threshold value is then significantly less than registration information is the authorization collecting account in household electrical appliances market. Payment server can determine whether that the corresponding payment amount of transaction record is when carrying out transaction record clearing to the authorization collecting account It is no to be greater than the corresponding gathering threshold value of authorization collecting account, if so, the notice of remigration failure；If it is not, then by payment amount Authorization collecting account is given by third party guarantees bill payment.

In one embodiment, as shown in Fig. 2, a kind of system paid by mobile terminal, including scanning device 20 and payment server 30, in which:

Scanning device 20 is used to read the identifying code of mobile terminal generation by phy-aware mode and decodes it to obtain Authorization message obtains payment amount and authorization collecting account, and authorization message, payment amount and authorization collecting account are sent To payment server 30.

Payment server 30 is used to obtain the authorization of user's payment account corresponding with authorization message, by payment amount by with Family payment account is paid into authorization collecting account.

In one embodiment, payment server 30 is also used to payment amount by user's payment account payment to third party In secured account, and generate transaction record corresponding with user's payment account and authorization collecting account.

In one embodiment, payment server 30 is also used to receive the confirmation payment instruction of upload, obtains confirmation payment Instruct corresponding transaction record, obtain authorization collecting account corresponding with transaction record and payment amount, by payment amount by Third party guarantees bill payment is into authorization collecting account.

In one embodiment, payment server 30 is also used to receive the feedback information corresponding with transaction record of upload, And transaction record is periodically obtained, obtain the corresponding authorization collecting account of transaction record, payment amount and corresponding feedback information, root According to feedback information by payment amount by third party guarantees bill payment to authorization collecting account in.

In one embodiment, payment server 30 is also used to obtain gathering threshold value corresponding with authorization collecting account, sentences Whether disconnected payment amount is greater than gathering threshold value, if so, returning to the notice of payment failure.

In one embodiment, as shown in fig. 7, a kind of offline electronic payment method, this method depend on computer program, can transport Row is in the computer system based on Von Neumann system.As shown in Fig. 2, the computer system may include mobile terminal 10, sweep Retouch equipment 20 and payment server 30.Wherein, mobile terminal 10 can be smart phone, tablet computer, palm PC, intelligent hand The portable terminals such as table.Scanning device 20 can be with camera, microphone or NFC (Near Field Communication, i.e. near field wireless communication technique) induction chip POS machine (Point of Sale, point-of-sale terminal).Payment Server 30 can be online banking service device, Third-party payment server or the third-party server as proxy payment.

This method comprises:

Step S302, acquisition for mobile terminal authorization message corresponding with user's payment account are generated according to authorization message and are demonstrate,proved Letter breath；It receives identifying code and generates instruction, being generated according to certificate information coding can be by the identifying code of phy-aware.

Step S304, scanning device read identifying code by phy-aware mode and decode it authorized information, obtain Payment amount and authorization collecting account are taken, authorization message, payment amount and authorization collecting account are sent to payment services Device.

Step S306, payment server obtains the authorization of user's payment account corresponding with authorization message, by payment amount It is paid by user's payment account into authorization collecting account.

In an application scenarios, as shown in figure 8, Fig. 8 illustrates the complete payment process of offline electronic payment method.

Mobile terminal updates certificate information every preset update cycle timing acquisition system parameter message and authorization message. After the commodity for determining purchase, businessman can input payment amount into scanning device and consumer is showed to carry out really consumer Recognize, consumer, which confirms, can trigger identifying code generation instruction after the payment amount is errorless, then mobile terminal is raw according to certificate information At identifying codes such as graphic code, NFC message or vocal print codes.

Scanning device extracts authorized information by reading the identifying code, and obtains businessman and be pre-stored in scanning device Collecting account is authorized, payment amount, authorization message and authorization collecting account are uploaded to payment server.Payment server can return ACK (connection confirmation message) notice scanning device is returned to upload successfully.Scanning device can show the successful payment result letter of payment Breath.

Payment server can disappear after receiving payment amount, authorization message and authorization collecting account according to authorization message acquisition The authorization of the person of expense, to being paid payment amount by user's payment account of consumer to corresponding third party guarantees account (for example, payment amount 10.00, unit is RMB, then can be paid by user if user's payment account is that wealth pays logical account Bill payment number is 10.00, and unit is that financial number to the wealth of RMB is paid on logical secured account).

The network connection of the subsequent openable mobile terminal of consumer is networked, and payment server download transactions are then accessed Record, and upload confirmation payment instruction and transaction record is confirmed.Payment server can be carried on a shoulder pole payment amount by third party It protects bill payment and gives authorization collecting account.

In another application scenarios, as shown in figure 9, the network connection of the subsequent openable mobile terminal of consumer joins Then net accesses payment server download transactions record, and uploads feedback information corresponding with transaction record.Payment server can Periodically authorization collecting account is settled accounts according to feedback information, is the corresponding payment number of transaction record of favorable comment by feedback information Volume pays corresponding authorization collecting account, is at the poor corresponding authorization collecting account of transaction record commented to feedback information It penalizes.

In one embodiment, as shown in Fig. 2, including mobile terminal 10, scanning device 20 and payment server 30, In:

Scanning device 20 obtains branch for reading identifying code by phy-aware mode and decoding it authorized information Number and authorization collecting account are paid, authorization message, payment amount and authorization collecting account are sent to payment server.

In one embodiment, as shown in Figure 10, a method of generating the identifying code comprising authorization message, comprising:

Step 402, authorization message corresponding with user's payment account is obtained, certificate information is generated according to authorization message.

Step 404, it receives identifying code and generates instruction, being generated according to certificate information coding can be by the identifying code of phy-aware.

In one embodiment, it is that graphic code generates instruction that identifying code, which generates instruction,.

Can be by the identifying code of phy-aware according to certificate information coding generation the step of further include:

The identifying code of figure code type is generated according to certificate information.

In one embodiment, it is that near-field communication message generates instruction that identifying code, which generates instruction,.

The identifying code of near-field communication type of message is generated according to certificate information.

In one embodiment, it is that the generation of vocal print code refers to that identifying code, which generates instruction,.

The identifying code of vocal print code type is generated according to certificate information.

In one embodiment, the step of certificate information being generated according to authorization message further include:

System parameter message and/or payment threshold value are obtained, and certificate letter is generated according to system parameter message and authorization message Breath, system parameter message includes at least one of system time, system version or device identification.

In one embodiment, as shown in figure 11, a kind of device generating the identifying code comprising authorization message, comprising:

Certificates constructing module 102 is generated for obtaining authorization message corresponding with user's payment account according to authorization message Certificate information.

Identifying code generation module 104 generates instruction for receiving identifying code, and being generated according to certificate information coding can be by physics The identifying code of perception.

Identifying code generation module 104 is also used to generate the identifying code of figure code type according to certificate information.

Identifying code generation module 104 is also used to generate the identifying code of near-field communication type of message according to certificate information.

In one embodiment, it is that vocal print code generates instruction that identifying code, which generates instruction,.

Identifying code generation module 104 is also used to generate the identifying code of vocal print code type according to certificate information.

In one embodiment, certificates constructing module 102 is also used to obtain system parameter message and/or payment threshold value, and Certificate information is generated according to system parameter message and authorization message, system parameter message includes system time, system version or sets At least one of standby mark.

In one embodiment, as shown in figure 12, a method of reading the authorization message stored in mobile terminal, packet It includes:

Step S502 obtains certificate information by the identifying code that phy-aware mode reads mobile terminal generation.

Step S504 extracts authorization message according to certificate information.

In one embodiment, certificate information is obtained by the identifying code that phy-aware mode reads mobile terminal generation Step further include:

By scanning the graphic code of mobile terminal generation and decoding it to obtain certificate information.

By incuding the near-field communication message of mobile terminal generation and decoding it to obtain certificate information.

Certificate information is obtained by capturing the vocal print code of mobile terminal generation and decoding.

In one embodiment, certificate information is contained in the corresponding system parameter message of mobile terminal, system parameter message Including at least one of system time, system version or device identification；

The step of extracting authorization message according to certificate information further include:

Authorized information is decoded to certificate information according to system parameter message.

In one embodiment, which is characterized in that further include payment threshold value in certificate information.

Can also be by extracting payment threshold value in certificate information, and payment amount is obtained, judge whether payment amount is greater than payment Threshold value, if so, obtaining authorization message failure.

In one embodiment, as shown in figure 13, a kind of device reading the authorization message stored in mobile terminal, packet It includes:

Certificate read module 202, the identifying code for reading mobile terminal generation by phy-aware mode obtain certificate Information.

Authorization message extraction module 204, for extracting authorization message according to certificate information.

In one embodiment, certificate read module 202 is also used to the graphic code and right generated by scanning mobile terminal Its decoding obtains certificate information.

In one embodiment, certificate read module 202 is also used to disappear by the near-field communication that induction mobile terminal generates It ceases and decodes it to obtain certificate information.

In one embodiment, certificate read module 202 is also used to the vocal print code by capturing mobile terminal generation and solves Code obtains certificate information.

In one embodiment, certificate information is contained in the corresponding system parameter message of mobile terminal, system parameter message Including at least one of system time, system version or device identification.

Authorization message extraction module 204 is also used to be decoded authorized letter to certificate information according to system parameter message Breath.

Authorization message extraction module 204 is also used to by extracting payment threshold value in certificate information, and obtains payment amount, is judged Whether payment amount is greater than payment threshold value, if so, obtaining authorization message failure.

Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with Relevant hardware is instructed to complete by computer program, the program can be stored in one or more computer-readable In storage medium, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the storage is situated between Matter can be magnetic disk, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access Memory, RAM) etc..

The embodiments described above only express several embodiments of the present invention, and the description thereof is more specific and detailed, but simultaneously Limitations on the scope of the patent of the present invention therefore cannot be interpreted as.It should be pointed out that for those of ordinary skill in the art For, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to guarantor of the invention Protect range.Therefore, the scope of protection of the patent of the invention shall be subject to the appended claims.

Claims

1. a kind of provide the method for authorization by mobile terminal, comprising:

Mobile terminal obtains authorization message corresponding with user's payment account when being in connected state；The authorization message is to use In the authorization code or grant number of confirmation user identity；

In off-line state and user's payment account is being not used and its password login is applied accordingly in the mobile terminal When periodically obtain system parameter message, certificate information is generated according to the system parameter message and the authorization message；Wherein, institute Stating system parameter message includes at least one of system time, system version or device identification；

The mobile terminal receives identifying code when being in off-line state and generates instruction, can be by object according to certificate information generation Manage the identifying code of perception；

Scanning device reads the identifying code by phy-aware mode and obtains the certificate information, and according to the system parameter Information is decoded authorized information to the certificate information.

2. the method according to claim 1, wherein the mobile terminal can quilt according to certificate information generation The step of identifying code of phy-aware includes:

The scanning device reads the step of identifying code obtains the certificate information by phy-aware mode further include:

3. the method according to claim 1, wherein the mobile terminal can quilt according to certificate information generation The step of identifying code of phy-aware includes:

4. the method according to claim 1, wherein the mobile terminal can quilt according to certificate information generation The step of identifying code of phy-aware includes:

The scanning device captures to obtain the certificate information by vocal print.

5. method according to any one of claims 1 to 4, which is characterized in that further include payment threshold in the certificate information Value；

The method also includes:

The scanning device obtains payment amount by extracting the payment threshold value in the certificate information, judges the payment Whether number is greater than the payment threshold value, if so, obtaining the authorization message failure.

6. method according to any one of claims 1 to 4, which is characterized in that the method also includes:

The mobile terminal accesses payment server according to user's payment account when being in the connected state, and downloading is handed over Easily record；And confirmation payment instruction is uploaded to the payment server according to the transaction record.

7. a kind of provide the system of authorization, including the mobile terminal and scanning device by mobile terminal, it is characterised in that:

The mobile terminal is used to obtain authorization message corresponding with user's payment account, the authorization when being in connected state Information is the authorization code or grant number for confirming user identity；

The mobile terminal, which is used to receive identifying code when being in off-line state, generates instruction, can according to certificate information generation By the identifying code of phy-aware；

The scanning device is used to read the identifying code that the mobile terminal provides under off-line state by phy-aware mode The certificate information is obtained, and authorized information is decoded to the certificate information according to the system parameter message.

8. a kind of method for generating the identifying code comprising authorization message, comprising:

Authorization message corresponding with user's payment account is obtained when being in connected state, the authorization message is to use for confirming The authorization code or grant number of family identity；

In off-line state and it is being not used user's payment account and its when password login is applied accordingly periodically obtains to be System parameter information generates certificate information according to the system parameter message and the authorization message；Wherein, the system parameter letter Breath includes at least one of system time, system version or device identification；

Identifying code is received when being in off-line state generates instruction, it can be by the verifying of phy-aware according to certificate information generation Code.

9. a kind of device for generating the identifying code comprising authorization message, comprising:

Certificates constructing module, for obtaining authorization message corresponding with user's payment account when being in connected state；It is being in Off-line state and it is not used user's payment account and its when password login is applied accordingly periodically obtains system parameter message, Certificate information is generated according to the system parameter message and the authorization message；Wherein, the system parameter message includes system At least one of time, system version or device identification, the authorization message be for confirm user identity authorization code or Grant number；

Identifying code generation module generates instruction for receiving identifying code when being in off-line state, raw according to the certificate information At can be by the identifying code of phy-aware.

10. a kind of method for reading the authorization message stored in mobile terminal, comprising:

Mobile terminal, which is read, by phy-aware mode obtains certificate information, the card in the identifying code generated in off-line state Letter breath is that mobile terminal is fixed when being in off-line state and unused user's payment account and its password login are applied accordingly Phase obtains system parameter message, is generated according to the system parameter message and the authorization message；Wherein, the system parameter letter Breath includes at least one of system time, system version or device identification；

Authorized information is decoded to the certificate information according to the system parameter message, the authorization message is described User's payment account is corresponding for confirming the authorization code or grant number of user identity, and the authorization message is in the mobile terminal It is acquired when being in connected state.

11. a kind of device for reading the authorization message stored in mobile terminal, comprising:

Certificate read module, for reading the identifying code that mobile terminal generates when in off-line state by phy-aware mode Certificate information is obtained, the certificate information is mobile terminal in off-line state and unused user's payment account and its password System parameter message is periodically obtained when logging in corresponding application, is generated according to the system parameter message and the authorization message； Wherein, the system parameter message includes at least one of system time, system version or device identification；

Authorization message extraction module, for being decoded authorized letter to the certificate information according to the system parameter message Breath, the authorization message is that user's payment account is corresponding for confirming the authorization code or grant number of user identity, described Authorization message is acquired in the mobile terminal when being in connected state.

12. a kind of method paid by mobile terminal, which is characterized in that the described method includes:

The authorization of user's payment account corresponding with authorization message is obtained, the authorization message is for confirming awarding for user identity Weighted code or grant number；

Wherein, the authorization message is that scanning device is obtained by the identifying code that phy-aware mode reads mobile terminal；Institute Stating identifying code is that the mobile terminal obtains the authorization letter corresponding with user's payment account when in connected state After breath, in off-line state and it is being not used user's payment account and its when password login is applied accordingly periodically obtains to be System parameter information generates certificate information according to the system parameter message and the authorization message；Wherein, the system parameter letter Breath includes at least one of system time, system version or device identification and receives identifying code when being in off-line state It generates when instructing, according to certificate information generation.

13. a kind of device paid by mobile terminal, which is characterized in that described device includes:

For obtaining the module of the authorization of user's payment account corresponding with authorization message, the authorization message is to use for confirming The authorization code or grant number of family identity；

Wherein, the authorization message is that scanning device is obtained by the identifying code that phy-aware mode reads mobile terminal generation 's；The identifying code is awarded described in mobile terminal acquisition when in connected state is corresponding with user's payment account After power information, in off-line state and it is being not used user's payment account and its when password login is applied accordingly is periodically obtained System parameter message is taken, certificate information is generated according to the system parameter message and the authorization message；Wherein, the system ginseng Number information include that at least one of system time, system version or device identification and receiving when in off-line state is tested When card code generation instruction, according to certificate information generation.

14. a kind of offline electronic payment method, which is characterized in that the described method includes:

Mobile terminal obtains authorization message corresponding with user's payment account when being in connected state；In off-line state and It is not used user's payment account and its when password login is applied accordingly periodically obtains system parameter message, according to the system After parameter information and the authorization message generation certificate information of uniting；Wherein, the system parameter message includes system time, system At least one of version or device identification；Identifying code is received when being in off-line state and generates instruction, is believed according to the certificate Breath generates can be by the identifying code of phy-aware；The authorization message is the authorization code or grant number for confirming user identity；

Scanning device reads the authorized information of the identifying code by phy-aware mode, obtains payment amount and authorization is received The authorization message, the payment amount and the authorization collecting account are sent to payment server by money account；

The payment server obtains the authorization of user's payment account corresponding with the authorization message, by the payment amount by User's payment account is paid into the authorization collecting account.

15. a kind of offline electronic payment system, including mobile terminal, scanning device and payment server, it is characterised in that:

The mobile terminal is used to obtain authorization message corresponding with user's payment account when being in connected state；In from Linear state and it is not used user's payment account and its when password login is applied accordingly periodically obtains system parameter message, root Certificate information is generated according to the system parameter message and the authorization message；Wherein, when the system parameter message includes system Between, at least one of system version or device identification；Identifying code is received when being in off-line state and generates instruction, according to described Certificate information generation can be by the identifying code of phy-aware；The authorization message is authorization code or the authorization for confirming user identity Number；

The scanning device is used to read the authorized information of the identifying code by phy-aware mode, obtain payment amount with And authorization collecting account, the authorization message, payment amount and authorization collecting account are sent to the payment server；

The payment server is used to obtain the authorization of user's payment account corresponding with the authorization message, by the payment number Volume is paid by user's payment account into the authorization collecting account.

16. a kind of computer-readable storage medium, which is characterized in that be stored with one or more journeys in the storage medium Sequence, described program, which is performed, realizes method described in claim 8 or claim 10 or claim 12 as above.