CN107657455A - A kind of transaction verification method and device - Google Patents
A kind of transaction verification method and device Download PDFInfo
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- CN107657455A CN107657455A CN201710967947.3A CN201710967947A CN107657455A CN 107657455 A CN107657455 A CN 107657455A CN 201710967947 A CN201710967947 A CN 201710967947A CN 107657455 A CN107657455 A CN 107657455A
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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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
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Abstract
The present invention relates to Information Authentication technical field, there is provided a kind of transaction verification method and device.The transaction verification method is applied to beneficiary terminal, including：When there is a transaction to be done, two checking labels of payer terminal generation are obtained；Judge whether the relation between two checking labels meets preset rules；If so, then record the amount of money corresponding to account corresponding to payer terminal and transaction to be done.The transaction verification device realizes above-mentioned transaction verification method.The transaction verification method and device improve the complexity of the transaction verification based on checking label, it is possible to prevente effectively from checking label is replicated the economic loss stolen and brought after brush to paying party.
Description
Technical field
The present invention relates to Information Authentication technical field, in particular to a kind of transaction verification method and device.
Background technology
Quick Response Code (Quick Response Code), it is a kind of popular information coding on mobile device in recent years
Mode, it can deposit more information than traditional bar code, can also represent more data types.
On August 3rd, 2016, pay clearing association and issued to payment mechanism《Bar code payment transaction specification》(consult on
Original text), payment mechanism is explicitly pointed out in opinion original text and carries out the safety standard that bar code business needs to follow.The appearance of the specification shows two
Status of the dimension code in mobile payment field has obtained official and recognized.
In mobile payment field, the existing transaction verification mode based on Quick Response Code is fairly simple, usually paying party
Quick Response Code is generated on mobile device, beneficiary scans the Quick Response Code using scanning device, is completed on backstage to Quick Response Code validity
Checking, obtain the information of withholing of paying party, and corresponding fund is deducted from the account of paying party.In such a transaction verification mode
Under, once paying party generation Quick Response Code in the form of picture by other people bootleggings, it is easy to brush is stolen by other people, to paying party
Cause serious economic loss.
The content of the invention
In view of this, embodiments of the invention provide a kind of transaction verification method and device, to improve base in the prior art
It is simple in the transaction verification mode of Quick Response Code, the Quick Response Code of paying party generation easily in the form of picture by other people bootleggings simultaneously
The problem of stealing brush.
To achieve the above object, the present invention provides following technical scheme：
In a first aspect, embodiments of the invention provide a kind of transaction verification method, applied to beneficiary terminal, including：
When there is a transaction to be done, two checking labels of payer terminal generation are obtained；
Judge whether the relation between two checking labels meets preset rules；
If so, then record the amount of money corresponding to account corresponding to payer terminal and transaction to be done.
Optionally, judge whether the relation between two checking labels meets preset rules, including：
Obtain the relation between two checking labels；
Judge whether relation meets preset rules.
Optionally, the relation between two checking labels is obtained, including：
Obtain the second generation of the first generation time of the first checking label and the second checking label in two checking labels
Time；Based on the first generation time and the second generation time, two generation interval times for verifying label are obtained；And/or
Obtain the second coding of the first coding of the first checking label and the second checking label in two checking labels；It is based on
First coding and the second coding, which obtain, to be used to characterize whether two checking labels are the sequential attribute for continuously generating label.
Optionally, judge whether relation meets preset rules, including：
Judge to generate whether interval time is less than a prefixed time interval；And/or
Judge whether two checking labels are to continuously generate label based on sequential attribute.
Optionally, if so, after then recording the amount of money corresponding to account corresponding to payer terminal and transaction to be done, also
Including：
Based on account and the amount of money generation withhold information and send to server so that server deducts gold from account
Volume, to complete transaction to be done.
Second aspect, embodiments of the invention provide a kind of transaction verification device, applied to beneficiary terminal, including：Mark
Acquisition module, label judge module and memory module are signed, wherein,
Label acquisition module is used for when there is a transaction to be done, obtains two checking marks of payer terminal generation
Label；
Label judge module is used to judge whether the relation between two checking labels meets preset rules；
Memory module is used for if so, then recording the amount of money corresponding to account corresponding to payer terminal and transaction to be done.
Optionally, label judge module includes：Relation acquisition unit and relation judging unit, wherein,
Relation acquisition unit is used to obtain the relation between two checking labels；
Relation judging unit is used to judge whether relation meets preset rules.
Optionally, Relation acquisition unit includes：First Relation acquisition subelement and the second Relation acquisition subelement, its
In,
First Relation acquisition subelement be used for obtain two checking labels in first checking label first generation the time and
The second generation time of the second checking label；It is additionally operable to, based on the first generation time and the second generation time, obtain two checkings
The generation interval time of label；
Second Relation acquisition subelement is used for the first coding and second for obtaining the first checking label in two checking labels
Verify the second coding of label；Be additionally operable to based on first coding and second coding obtain be used for characterize two checking labels whether be
Continuously generate the sequential attribute of label.
Optionally, relation judging unit includes：First relation judgment sub-unit and the second relation judgment sub-unit, its
In,
First relation judgment sub-unit is used to judge to generate whether interval time is less than a prefixed time interval；
Second relation judgment sub-unit is used to judge whether two checking labels are to continuously generate label based on sequential attribute.
Optionally, in addition to：Withhold execution module, execution module of withholing is used to withhold letter based on account and amount of money generation
Cease and send to server, so that server amount deducted from account, to complete transaction to be done.
The beneficial effect that the present invention realizes：A kind of transaction verification method provided in an embodiment of the present invention and device, are there is one
Pen transaction to be done when, beneficiary terminal obtain payer terminal generation two checking labels, if two checking label it
Between relation meet preset rules, then record the amount of money corresponding to account and transaction to be done corresponding to payer terminal, with
Withholdd in follow-up transaction.The transaction verification scheme needs the relation between two checking labels of checking, verifies the duplication of label
Difficulty is big, and the complexity of transaction verification is high, and the transaction verification mode based on Quick Response Code is simple so as to solving in the prior art,
The Quick Response Code of paying party generation is easily by other people bootleggings and the problem of steal brush in the form of picture.
To enable above-mentioned purpose, technical scheme and the beneficial effect of the present invention to become apparent, special embodiment below, and
Accompanying drawing appended by cooperation, is described in detail below.
Brief description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below by embodiment it is required use it is attached
Figure is briefly described, it will be appreciated that the following drawings illustrate only certain embodiments of the present invention, therefore be not construed as pair
The restriction of scope, for those of ordinary skill in the art, on the premise of not paying creative work, can also be according to this
A little accompanying drawings obtain other related accompanying drawings.
Fig. 1 shows the structural representation of beneficiary terminal provided in an embodiment of the present invention；
Fig. 2 shows the flow chart of transaction verification method provided in an embodiment of the present invention；
Fig. 3 shows the step S11 of transaction verification method provided in an embodiment of the present invention flow chart；
Fig. 4 shows the step S110 of transaction verification method provided in an embodiment of the present invention flow chart；
Fig. 5 shows the step S111 of transaction verification method provided in an embodiment of the present invention flow chart；
Fig. 6 shows the functional block diagram of transaction verification device provided in an embodiment of the present invention.
Embodiment
Below in conjunction with accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Ground describes, it is clear that described embodiment is only part of the embodiment of the present invention, rather than whole embodiments.Generally exist
The component of the embodiment of the present invention described and illustrated in accompanying drawing can be configured to arrange and design with a variety of herein.Cause
This, the detailed description of the embodiments of the invention to providing in the accompanying drawings is not intended to limit claimed invention below
Scope, but it is merely representative of the selected embodiment of the present invention.Based on embodiments of the invention, those skilled in the art are not doing
The every other embodiment obtained on the premise of going out creative work, belongs to the scope of protection of the invention.
It should be noted that：Similar label and letter represents similar terms in following accompanying drawing, therefore, once a certain Xiang Yi
It is defined, then it further need not be defined and explained in subsequent accompanying drawing in individual accompanying drawing.Meanwhile the present invention's
In description, term " first ", " second " etc. are only used for distinguishing description, and it is not intended that instruction or hint relative importance.
Fig. 1 shows the structural representation of beneficiary terminal 100 provided in an embodiment of the present invention.Reference picture 1, beneficiary are whole
End 100 includes memory 102, storage control 104, one or more (one is only shown in figure) processors 106, Peripheral Interface
108th, radio-frequency module 110, audio-frequency module 112, display module 114 and acquisition module 116 etc..These components pass through one or more
Bar communication bus/signal wire 118 mutually communicates.Beneficiary terminal 100 can be PC (personal computer,
PC), tablet personal computer, smart mobile phone, personal digital assistant (personal digital assistant, PDA) etc..It is of the invention real
The payer terminal for applying example offer can have and the above-mentioned identical structure of beneficiary terminal 100.
Memory 102 can be used for storage software program and module, such as the transaction verification method in the embodiment of the present invention and
Programmed instruction/module corresponding to device, processor 106 are stored in software program and module in memory 102 by operation,
So as to perform various function application and data processing, such as transaction verification method provided in an embodiment of the present invention and device.
Memory 102 may include high speed random access memory, may also include nonvolatile memory, such as one or more magnetic
Property storage device, flash memory or other non-volatile solid state memories.Processor 106 and other possible components are to storage
The access of device 102 can be carried out under the control of storage control 104.
Various input/output devices are coupled to processor 106 and memory 102 by Peripheral Interface 108.In some implementations
In example, Peripheral Interface 108, processor 106 and storage control 104 can be realized in one single chip.In some other reality
In example, they can be realized by independent chip respectively.
Radio-frequency module 110 is used to receiving and sending electromagnetic wave, realizes the mutual conversion of electromagnetic wave and electric signal, so that with
Communication network or other equipment are communicated.
Audio-frequency module 112 provides a user COBBAIF, and it may include one or more microphones, one or more raises
Sound device and voicefrequency circuit.
Display module 114 provides a display interface between beneficiary terminal 100 and user.Specifically, display module
114 show video frequency output to user, and the content of these video frequency outputs may include word, figure, video and its any combination.
Acquisition module 116 is used to gather outer signals, and is translated into the accessible signal in the inside of beneficiary terminal 100
Form, in an embodiment of the present invention, signal acquisition module 116 can be checking tag scan equipment, for scanning and identifying
The checking label of payment method, apparatus generation.Verify that label can be the coding mode informations such as Quick Response Code, bar code, wherein including friendship
Easy checking information, after these information are gathered by signal acquisition module 116, it can lead in the inside of beneficiary terminal 100 or therewith
The other equipment of connection is believed, as completed transaction verification on server.
It is appreciated that structure shown in Fig. 1 is only to illustrate, beneficiary terminal 100 may also include it is more more than shown in Fig. 1 or
The less component of person, or there is the configuration different from shown in Fig. 1.Each component shown in Fig. 1 can use hardware, software or
It, which is combined, realizes.
First embodiment
Fig. 2 shows the flow chart of transaction verification method provided in an embodiment of the present invention.Reference picture 2, this method includes：
Step S10：When there is a transaction to be done, two checking labels of payer terminal generation are obtained.
When there is a transaction to be done, checking label is generated by payer terminal first, then beneficiary terminal 100 obtains
Take two checking labels that payer terminal generates.
When the user of payer terminal, which is known, has a transaction to need to show checking label completion transaction verification, Ke Yitong
Cross payer terminal generation checking label and be presented to beneficiary terminal 100., can be with for example, payer terminal is smart mobile phone
Payment button is clicked in the cell phone application with payment function, so that cell phone application Program Generating verifies label.For the present invention
The transaction verification method that embodiment provides, payer terminal can continuously generate multiple checking labels, so that beneficiary terminal 100
Obtain two checkings label therein.
Label is verified easily in the form of picture by other people bootleggings, such as when payer terminal shows checking label,
Use the screenshotss function in payer terminal, you can the checking label is saved as into the form of picture, and is further used for replicating
Propagate, or even brushed for stealing.To avoid verifying that label can be included in the form of picture by other people bootleggings, payer terminal
Anti- screenshotss and anti-record screen function.For example, payer terminal is the smart mobile phone of android system, checking label is cell phone application life
Into Quick Response Code, anti-screenshotss function can pass through in Activity corresponding to Quick Response Code display interface add code realize, tool
For body, code is added before onCreate () setContentView ()：
Window win=getWindow ()；
Win.addFlags (WindowManager.LayoutParams.FLAG_SECURE)；
Wherein, FLAG_SECURE represents that current window win when being shown, forbids to current window screenshotss.It is above-mentioned
The anti-screenshotss of payer terminal and it is anti-record screen function can only be to payer terminal itself checking label-copying behavior limit,
Third-party checking label-copying behavior can not be limited, such as when payer terminal shows checking label, the 3rd
Side can take pictures to the checking label, and so as to reach duplication purpose, and this replication is not by paying party and gathering
The limitation of side.
Beneficiary terminal 100 can obtain the checking label that payer terminal is shown by the acquisition module 116 in Fig. 1,
Until getting two checking labels, subsequent step is proceeded by.Acquisition mentioned here, refer to obtain and wrapped in checking label
The full detail contained.
Step S11：Judge whether the relation between two checking labels meets preset rules.Explaining in step S10
State, checking label of the prior art is easily replicated by third party causes robber to brush, and third-party replication is difficult to be limited
System, its major defect are not only in that checking label is easily replicated by third party, are more the checking label energy replicated by third party
Enough easily passing through the transaction verification of beneficiary terminal 100, i.e. prior art is only to judge the validity of a checking label, its
Mode is excessively simple.Step S11 is traded checking using the relation between the two checking labels obtained in step S10,
Compared to existing transaction verification mode, its innovation, which first consists in, has used two checking labels to be verified, secondly exists
It is not any two checking label in two checking labels for checking, its correlation must is fulfilled for preset rules, by
A variety of relations, such as time relationship, ordinal relation, class relations are there may be between two checking labels, therefore for pre-
If the selection of rule can very flexibly, the complexity of transaction verification greatly improves, meanwhile, third party will replicate two just completely
The checking label of sufficient preset rules, its difficulty of reproduction verify label also much larger than replicating one.
If the relation in step S11 between two checking labels meets preset rules, subsequent step is continued executing with, such as
Relation between two checking labels of fruit is unsatisfactory for preset rules, then this transaction terminates.Now, bank settlement both sides can be again
Since some step, current transaction verification process is attempted again, such as beneficiary terminal 100 obtains from payer terminal again
Two checking labels are taken to be judged；A transaction verification process can also be restarted, such as payer terminal terminates checking
After label generation, checking label is regenerated.
Step S12：If so, then record the amount of money corresponding to account corresponding to payer terminal and transaction to be done.If
Relations in step S11 between two checking labels meet preset rules, then by account corresponding to payer terminal and have treated
Get off into the information record such as amount of money corresponding to transaction, withholdd for follow-up transaction.Wherein account corresponding to payer terminal
It can be obtained from checking label.
Optionally, can also include before step S11：Judge whether each checking label in two checking labels has
Effect, if any one checking tag deactivation therein, this transaction terminate.Following scheme can be used to judge checking label
Validity：Payer terminal is according to key certificate obtained in advance generation checking label, and beneficiary terminal 100 is according to testing
Relevant information in card label judges whether the key certificate is effective, and current authentication label is effective if key certificate is effective, if
The invalid then current authentication tag deactivation of key certificate.The particular content of judgement can include：Whether key certificate is expired, key card
Current key credentials match of book account whether corresponding with payer terminal etc..
Obviously, the judgment step carried out in beneficiary terminal 100 is above set forth in, such as judges the pass between two checking labels
Whether system meets preset rules and judges whether each checking label in two checking labels is effective, when beneficiary terminal
100 with server communication when being connected, and can also completely or partially be put on server and carry out, and beneficiary terminal 100 is responsible for and clothes
Business device carries out data interaction to obtain judged result.
Fig. 3 shows the step S11 of transaction verification method provided in an embodiment of the present invention flow chart.Reference picture 3, step
S11 can include：
Step S110：Obtain the relation between two checking labels.
Step S111：Judge whether relation meets preset rules.
Relation between two checking labels is obtained based on the information that wherein each checking label is included, and is obtained first
It can be used for characterizing current authentication label and the information of another checking label relation in each checking label, be then based on this information and obtain
The relations between two checking labels are obtained, and judge whether the relation meets preset rules.
Fig. 4 shows the step S110 of transaction verification method provided in an embodiment of the present invention flow chart.Reference picture 4, step
Rapid S110 can include：
Step S110a：Obtain the first generation time of the first checking label and the second checking label in two checking labels
Second generation the time；Based on the first generation time and the second generation time, two generation interval times for verifying label are obtained.
Using the generation time interval of two checking labels as the relation between two checking labels, phase in step S110a
The generation temporal information that checking label should be included in label, such as timestamp are verified in Ying Di, payer terminal generation.
Step S110b：Obtain the of the first coding of the first checking label and the second checking label in two checking labels
Two codings；Obtained based on the first coding and the second coding and be used to characterize whether two checking labels are the order for continuously generating label
Attribute.
In step S110b using for characterize two checking labels whether be continuously generate label sequential attribute as two
The relation between label is verified, correspondingly, the genesis sequence of checking label should be included in the checking label of payer terminal generation
Information, such as sequence number.
It is appreciated that the relation between two checking labels is not limited to acquired in step S110a and S110b two and tested
Demonstrate,prove the generation interval time of label and verify whether labels are the sequential attribute that continuously generates label for characterizing two, may be used also
With including other relations.One or more relations therein can be obtained according to real needs, for example, step S110 can be wrapped only
Step S110a is included, step S110b is either only included or includes step S110a and S110b simultaneously.
Fig. 5 shows the step S111 of transaction verification method provided in an embodiment of the present invention flow chart.Reference picture 5, step
Rapid S111 can include：
Step S111a：Judge to generate whether interval time is less than a prefixed time interval.
Step S111a corresponds to step S110a, and even step S110 includes S110a, then is correspondingly wrapped in step S111
Include step S111a.The generation time interval of the two checking labels obtained in step S110a is used in step S111a, judging should
Whether time interval is less than a prefixed time interval.If the time interval is less than the prefixed time interval, step is continued executing with
S111b；If the time interval is not less than the prefixed time interval, step S11 judged result is between two checking labels
Relation be unsatisfactory for preset rules.
Prefixed time interval can take 300ms to 500ms, correspondingly, for can be with every by transaction verification, payer terminal
A checking label is just generated every a Fixed Time Interval, the Fixed Time Interval should be less than prefixed time interval, i.e., at least should
The generation time interval for two checking labels for ensureing to continuously generate is less than the prefixed time interval.It is spaced between when clamped smaller
When, beneficiary terminal 100 will soon get two checking labels for needing to verify, the experience energy of the user of payer terminal
Access guarantee；Meanwhile the checking label of payer terminal generation typically takes refreshing mode, i.e., newly-generated checking label will
Cover previous checking label, because Fixed Time Interval is smaller, third party be not easy in the time interval shoot under two test
Label is demonstrate,proved, reduces and steals brush risk.
Step S111b：Judge whether two checking labels are to continuously generate label based on sequential attribute.
Step S111b corresponds to step S110b, and even step S110 includes S110b, then is correspondingly wrapped in step S111
Include step S111b.It is used to characterize whether two checking labels to be continuous life using what is obtained in step S110b in step S111b
Into the sequential attribute of label, judge whether two checking labels are to continuously generate label.If two checking labels are to continuously generate
Label, then step S11 judged result is that the relation between two checking labels meets preset rules；If two checking labels are
Discontinuous generation label, then step S11 judged result is that the relation between two checking labels is unsatisfactory for preset rules.
Said sequence information can be sequence number, whether can judge two sequence numbers using specific algorithm during checking
Continuously generate, if two sequence numbers continuously generate, corresponding two checkings label is also what is continuously generated；Such as
Two sequence numbers of fruit do not continuously generate, then corresponding two checking labels are nor continuously generate.Payer terminal is given birth to
Into checking label typically take refreshing mode, i.e., newly-generated checking label will cover previous checking label, and work as paying party
Checking label when persistently refreshing, third party is not easy to shoot the lower two checking labels continuously generated, reduces and steals brush risk.Enter
One step, if having first carried out step S111a before step S111b, only when two of the acquisition of beneficiary terminal 100 are tested
The generation time interval of card label is less than prefixed time interval, and two are verified labels as that could pass through when continuously generating label
Transaction verification, its verification condition is quite strict, and duplication of the third party to verifying label becomes more difficult, common copy mode
It is difficult to get the two checking labels that can be verified by above-mentioned steps.
It is appreciated that by step S111a and S111b judged be two checking label between two kinds of different passes
System, therefore the sequencing of their execution can be arbitrary, be not limited to the execution sequence being set forth above.Meanwhile depend on
Step S110, step S111 can only include step S111a, either only include step S111b or include step simultaneously
S111a and S111b, if also obtaining other relations between two checking labels in step S110, then in step S111
The judgment step for the relation can also correspondingly be increased.When step S111 includes different sub-steps, judge that two are tested
Whether the relation between card label meets that the mode of preset rules correspondingly changes.For example, when step S111 only includes step
During S111a, if the generation time interval of two checking labels is less than prefixed time interval, step S11 judged result is two
Relation between individual checking label meets preset rules；When step S111 includes step S111a and S111b, if two checkings
The generation time interval of label is less than prefixed time interval, and two checking labels is continuously generate label, then step S11
Judged result is that the relation between two checking labels meets preset rules.It can be seen that the transaction verification mode in step S111 is non-
Often flexibly, third party, can be by the checking label of checking it is difficult to copy in the case where not exclusively understanding its ins and outs.
Optionally, can also include after step S12：Withhold information and transmission extremely service are generated based on account and the amount of money
Device, so that server deducts the amount of money from account, to complete transaction to be done.In step s 12, beneficiary terminal 100
The amount of money corresponding to account corresponding to payer terminal and transaction to be done is have recorded, but actually withholds and not yet occurs.Here have
The deduction mode of body can have numerous embodiments, can select according to the actual requirements.
For example, beneficiary terminal 100 is connected with server communication all the time, above-mentioned information of withholing can be sent to clothes immediately
Business device, withholds in real time.Typically by mobile payment do shopping and belong to the application scenarios of the example, the beneficiary terminal of businessman
100 should ensure that by network with supporting the server communication of withholing of mobile payment to be connected, it is ensured that when each transaction is completed, business
Family have received payment for goods really.
In another example beneficiary terminal 100 is not connected temporarily with server communication, but in future sometime can be with service
Device communicates to connect, can be first by above-mentioned information temporary storage of withholing, until sending it to server again when being connected with server communication
To complete to withhold.Further for example, beneficiary terminal 100 is not connected with server communication all the time, after a certain period, USB flash disk is used
Account and friendship to be done corresponding to the payer terminal that will be recorded etc. storage device or other modes in beneficiary terminal 100
The information such as amount of money is copied on another terminal device corresponding to easily, and the terminal device is connected with server communication, is set in the terminal
It is standby above to send above-mentioned information of withholing to server to complete to withhold.The some realities of bus card-reading by bus are carried out by mobile payment
Existing mode belongs to the application scenarios of above-mentioned two example, and now beneficiary terminal 100 is vehicle-mounted machine, because condition is limited, typically
The communication connection with server can not be kept.It can now select in some suitable place connection servers to complete to withhold,
It can also select after daily operation terminates, the information in vehicle-mounted machine is exported into another is connected with server communication of withholing
Computer on complete withhold.
It is appreciated that the transaction verification method that the present embodiment provides, two checkings label therein can be tested for more
Label is demonstrate,proved, when the number for verifying label is more, the complexity of method increased, and the time of transaction verification can also increase
It is long, but the security of transaction verification is higher, and the risk of stolen brush is smaller, can be selected according to the actual requirements, such as work as friendship
More complicated transaction verification mode is chosen when easily the amount of money is higher, better simply transaction verification side is chosen when dealing money is relatively low
Formula.
In summary, the transaction verification method of example offer is originally applied, the relation that two are verified between labels is as mainly testing
Card means, due to a variety of relations be present between two checking labels, so it verifies that complexity judges one compared to existing
The individual checking whether effective transaction verification mode of label significantly improves, and greatly reduces checking label and is replicated the risk for stealing brush.
Meanwhile if rightly controlling the generation time interval of checking label in payer terminal, the time of transaction verification is compared to existing
There is technology not have significant increase, do not interfere with the transaction verification experience of the user of payer terminal.
Second embodiment
Fig. 6 shows the functional block diagram of transaction verification device 200 provided in an embodiment of the present invention.Reference picture 6, this implementation
The transaction verification device 200 that example provides includes：Label acquisition module 210, label judge module 220 and memory module 230.Its
In, label acquisition module 210 is used for when there is a transaction to be done, obtains two checking labels of payer terminal generation；
Label judge module 220 is used to judge whether the relation between two checking labels meets preset rules；Memory module 230 is used for
If so, then record the amount of money corresponding to account corresponding to payer terminal and transaction to be done.
In the present embodiment, label judge module 220 includes：Relation acquisition unit and relation judging unit.Wherein, close
It is that acquiring unit is used to obtain the relation between two checking labels；Relation judging unit is used to judge whether relation meets to preset
Rule.
In the present embodiment, Relation acquisition unit includes：First Relation acquisition subelement and the second Relation acquisition are single
Member.First Relation acquisition subelement is tested for the first generation time of the first checking label in two checking labels of acquisition and second
Demonstrate,prove the second generation time of label；It is additionally operable to, based on the first generation time and the second generation time, obtain two and verify label
Generate interval time；Second Relation acquisition subelement be used for obtain two checking labels in first checking label first coding and
Second coding of the second checking label；Be additionally operable to based on first coding and second coding obtain be used for characterize two checking labels be
No is the sequential attribute for continuously generating label.
In the present embodiment, relation judging unit includes：First relation judgment sub-unit and the second relation judge that son is single
Member.Wherein, the first relation judgment sub-unit is used to judge to generate whether interval time is less than a prefixed time interval；Second relation
Judgment sub-unit is used to judge whether two checking labels are to continuously generate label based on sequential attribute.
In the present embodiment, transaction verification device 200 also includes：Withhold execution module.Execution module of withholing is used to be based on
Account and amount of money generation, which are withholdd, information and to be sent to server, so that server amount deducted from account, to complete to have treated
Into transaction.
In summary, transaction provided in an embodiment of the present invention is realized in the transaction verification device 200 that the present embodiment provides
Verification method, the transaction verification based on checking label is carried out using the transaction verification device 200, robber's brush risk is low, can effectively protect
Protect the security of transaction.
It should be noted that each embodiment in this specification is described by the way of progressive, each embodiment weight
Point explanation is all difference with other embodiment, between each embodiment identical similar part mutually referring to.
For device class embodiment, because it is substantially similar to embodiment of the method, so description is fairly simple, related part is joined
See the part explanation of embodiment of the method.
In several embodiments provided herein, it should be understood that disclosed apparatus and method, it can also be passed through
Its mode is realized.Device embodiment described above is only schematical, for example, the flow chart and block diagram in accompanying drawing show
Device, architectural framework in the cards, the work(of method and computer program product of multiple embodiments according to the present invention are shown
Can and it operate.At this point, each square frame in flow chart or block diagram can represent one of a module, program segment or code
Point, a part for the module, program segment or code includes one or more and is used to realize the executable of defined logic function
Instruction.It should also be noted that at some as in the implementation replaced, the function of being marked in square frame can also be with different from attached
The order marked in figure occurs.For example, two continuous square frames can essentially perform substantially in parallel, they also may be used sometimes
To perform in the opposite order, this is depending on involved function.It is it is also noted that each in block diagram and/or flow chart
The combination of square frame and the square frame in block diagram and/or flow chart, can use function or action as defined in performing it is special based on
The system of hardware is realized, or can be realized with the combination of specialized hardware and computer instruction.
In addition, each functional module in each embodiment of the present invention can integrate to form an independent portion
Point or modules individualism, can also two or more modules be integrated to form an independent part.
If the function is realized in the form of software function module and is used as independent production marketing or in use, can be with
It is stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially in other words
The part to be contributed to prior art or the part of the technical scheme can be embodied in the form of software product, the meter
Calculation machine software product is stored in a storage medium, including some instructions are causing a computer equipment (can be
People's computer, server, or network equipment etc.) perform all or part of step of each embodiment methods described of the present invention.
And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only Memory), arbitrary access
Memory (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with the medium of store program codes.Need
It is noted that herein, such as first and second or the like relational terms are used merely to an entity or operation
Made a distinction with another entity or operation, and not necessarily require or imply these entities or exist between operating any this
Actual relation or order.Moreover, term " comprising ", "comprising" or its any other variant are intended to nonexcludability
Comprising so that process, method, article or equipment including a series of elements not only include those key elements, but also wrapping
Include the other element being not expressly set out, or also include for this process, method, article or equipment intrinsic want
Element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that wanted including described
Other identical element also be present in the process of element, method, article or equipment.
The preferred embodiments of the present invention are the foregoing is only, are not intended to limit the invention, for the skill of this area
For art personnel, the present invention can have various modifications and variations.Within the spirit and principles of the invention, that is made any repaiies
Change, equivalent substitution, improvement etc., should be included in the scope of the protection.It should be noted that：Similar label and letter exists
Similar terms is represented in following accompanying drawing, therefore, once being defined in a certain Xiang Yi accompanying drawing, is then not required in subsequent accompanying drawing
It is further defined and explained.
The foregoing is only a specific embodiment of the invention, but protection scope of the present invention is not limited thereto, any
Those familiar with the art the invention discloses technical scope in, change or replacement can be readily occurred in, should all be contained
Cover within protection scope of the present invention.Therefore, protection scope of the present invention described should be defined by scope of the claims.
Claims (10)
- A kind of 1. transaction verification method, it is characterised in that applied to beneficiary terminal, including：When there is a transaction to be done, two checking labels of payer terminal generation are obtained；Judge whether the relation between described two checking labels meets preset rules；If so, then record the amount of money corresponding to account corresponding to the payer terminal and the transaction to be done.
- 2. transaction verification method according to claim 1, it is characterised in that between the described two checking labels of judgement Relation whether meet preset rules, including：Obtain the relation between described two checking labels；Judge whether the relation meets preset rules.
- 3. transaction verification method according to claim 2, it is characterised in that between the described two checking labels of acquisition Relation, including：Obtain the second generation of the first generation time of the first checking label and the second checking label in described two checking labels Time；Time is generated based on the described first generation time and described second, when obtaining the generation interval of described two checking labels Between；And/orObtain the second coding of the first coding of the first checking label and the second checking label in described two checking labels；It is based on First coding and the described second coding, which obtain, to be used to characterize whether described two checking labels are continuously generate label suitable Sequence attribute.
- 4. transaction verification method according to claim 3, it is characterised in that described to judge whether the relation meets to preset Rule, including：Judge whether the generation interval time is less than a prefixed time interval；And/orJudge whether described two checking labels are to continuously generate label based on the sequential attribute.
- 5. transaction verification method according to claim 1, it is characterised in that described if so, then recording the paying party end After the amount of money corresponding to account corresponding to end and the transaction to be done, in addition to：Withholdd and information and sent to server based on the account and amount of money generation, so that the server is from the account The amount of money is deducted in family, to complete the transaction to be done.
- A kind of 6. transaction verification device, it is characterised in that applied to beneficiary terminal, including：Label acquisition module, label judge Module and memory module, wherein,The label acquisition module is used for when there is a transaction to be done, obtains two checking marks of payer terminal generation Label；The label judge module is used to judge whether the relation between described two checking labels meets preset rules；The memory module is used for if so, then recording account corresponding to the payer terminal and the transaction to be done correspondingly The amount of money.
- 7. transaction verification device according to claim 6, it is characterised in that the label judge module includes：Relation obtains Unit and relation judging unit are taken, wherein,The Relation acquisition unit is used to obtain the relation between described two checking labels；The relation judging unit is used to judge whether the relation meets preset rules.
- 8. transaction verification device according to claim 7, it is characterised in that the Relation acquisition unit includes：First closes System obtains subelement and the second Relation acquisition subelement, wherein,When the first Relation acquisition subelement is used to obtain the first generation of the first checking label in described two checking labels Between and second checking label second generation the time；It is additionally operable to based on the described first generation time and the second generation time, Obtain the generation interval time of described two checking labels；The second Relation acquisition subelement be used for obtain it is described two checking labels in first checking label first coding and Second coding of the second checking label；It is additionally operable to obtain based on the described first coding and the described second coding and is used to characterize described two Whether individual checking label is the sequential attribute for continuously generating label.
- 9. transaction verification device according to claim 8, it is characterised in that the relation judging unit includes：First closes It is judgment sub-unit and the second relation judgment sub-unit, wherein,The first relation judgment sub-unit is used to judge whether the generation interval time is less than a prefixed time interval；The second relation judgment sub-unit is used to judge whether described two checking labels are continuous based on the sequential attribute Generate label.
- 10. transaction verification device according to claim 6, it is characterised in that also include：Withhold execution module, the button Money execution module be used for based on the account and the amount of money generation withhold information and send to server so that the service Device deducts the amount of money from the account, to complete the transaction to be done.
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| CN201710967947.3A CN107657455A (en) | 2017-10-18 | 2017-10-18 | A kind of transaction verification method and device |
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| CN201710967947.3A CN107657455A (en) | 2017-10-18 | 2017-10-18 | A kind of transaction verification method and device |
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| CN107657455A true CN107657455A (en) | 2018-02-02 |
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| CN109919601A (en) * | 2019-03-05 | 2019-06-21 | 广州佳都数据服务有限公司 | Payment verification method, apparatus and electronic equipment |
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Application publication date: 20180202 |