CN107833046A - A kind of method of mobile payment and its checkout terminal - Google Patents
A kind of method of mobile payment and its checkout terminal Download PDFInfo
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- CN107833046A CN107833046A CN201711212104.9A CN201711212104A CN107833046A CN 107833046 A CN107833046 A CN 107833046A CN 201711212104 A CN201711212104 A CN 201711212104A CN 107833046 A CN107833046 A CN 107833046A
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- 238000000034 method Methods 0.000 title claims abstract description 33
- 230000004044 response Effects 0.000 claims abstract description 31
- 238000004891 communication Methods 0.000 claims description 24
- 230000008569 process Effects 0.000 claims description 20
- 230000006855 networking Effects 0.000 claims description 9
- 238000012545 processing Methods 0.000 claims description 9
- 230000005540 biological transmission Effects 0.000 claims description 8
- 230000007812 deficiency Effects 0.000 claims description 6
- 230000000977 initiatory effect Effects 0.000 claims description 4
- 235000013305 food Nutrition 0.000 claims description 3
- 238000005516 engineering process Methods 0.000 abstract description 5
- 230000004048 modification Effects 0.000 description 4
- 238000012986 modification Methods 0.000 description 4
- 230000008859 change Effects 0.000 description 3
- 230000003111 delayed effect Effects 0.000 description 3
- 241001062009 Indigofera Species 0.000 description 2
- 239000000203 mixture Substances 0.000 description 2
- 238000010408 sweeping Methods 0.000 description 2
- 238000011161 development Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
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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
- G06Q20/403—Solvency checks
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/0018—Constructional details, e.g. of drawer, printing means, input means
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
- G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
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- Accounting & Taxation (AREA)
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- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
This application discloses a kind of method of mobile payment and its checkout terminal, method includes：Trade company end using key to transaction data, trade company ID, time factor and one or more random combines in random number into data be encrypted, produce ciphertext；Trade company end carries out data extract to ciphertext, produces dynamic password；Trade company end is calculated the bluetooth PIN code and dynamic password at trade company end using Quick Response Code algorithm, produces dynamic two-dimension code.Degree of safety is higher when the application is paid, Quick Response Code uses dynamic encryption technology, automatically update once within one minute, help to ensure trade company's fund security, trade company end and consumer end can use the mode of doing business of double off lines simultaneously,, also can be on time to receipts single file backstage upload consumption bill, it is ensured that the fund security of trade company when trade company end is in off-line state.
Description
Technical field
The present invention relates to payment technical field, more particularly to a kind of method of mobile payment and its checkout terminal.
Background technology
At present in payment technical field, mobile payment is the most fast traffic direction of speedup.With the development of mobile payment service, city
Occur a variety of new means of payment in, such as NFC, Quick Response Code, iris are paid, sound Zhi Fuyu fingerprints are paid.
In the above-mentioned means of payment, it is that application is most wide in existing market that Quick Response Code, which is paid, occuping market share highest movement branch
One of the mode of paying.
The existing Quick Response Code means of payment is divided into master and sweeps and swept two kinds of forms, and it is all online branch that traditional Quick Response Code, which is paid,
Pay, wherein pattern is swept with householder, as shown in figure 1, in this mode, 2 D code information is generally shown in trade company's POS terminal
Or be directly printed upon on paper, its information is mainly including merchant identification etc., due to being the 2 D code information stood, so Quick Response Code
The security performance of product is relatively low, and the unsafe factors such as information is replaced, network is reset easily occur.
Refer to that paying party (user) opens cell phone application (such as Alipay, wechat) scanning trade company two with householder's pattern of sweeping
The payment mode of code is tieed up, the network for needing the mobile phone of user in this case is connection.User then needs business by the pattern of sweeping
The network at family end is connection, but in actual application environment, due to actual environment reason, such as public transport application, Wu Fabao
Hinder network communication quality.
The content of the invention
The purpose of the application is to provide a kind of method of mobile payment and checkout terminal, for prefabricated merchant information, constantly
Change information content, it can also be paid in the case of the double off lines in trade company end and consumer end.
A kind of method of mobile payment, include the generation process and payment process of dynamic two-dimension code；Wherein, dynamic two-dimension code
Generation process comprises the following steps：Trade company end is using key to one kind in transaction data, trade company ID, time factor and random number
Or a variety of random combines into data be encrypted, produce ciphertext；Trade company end carries out data extract to ciphertext, produces dynamic mouth
Order；Trade company end is calculated the bluetooth PIN code and dynamic password at trade company end using Quick Response Code algorithm, produces dynamic two-dimension code.
As above, wherein, dynamic two-dimension code is at the appointed time spaced interior renewal.
As above, wherein, encryption uses one-way Hash algorithm.
As above, wherein, in payment process, trade company's end off line payment process comprises the following steps：Trade company end, which receives, to be moved
The Bluetooth pairing request that dynamic equipment is sent；Trade company end and mobile device carry out bluetooth connection, and according to mobile device transmission come
IMEI carries out authentication to mobile device；After trade company end is proved to be successful to mobile equipment identity, trade company end is according to mobile device
The payment request information of transmission carries out remaining sum judgement to the wallet of mobile device；If trade company end is got more than the wallet of mobile device
Volume deficiency, then trade company end sends prompting, carries out the processing that reports an error；If during wallet balances abundance, trade company end obtains mobile device pair
The mandate withholdd, carry out wallet book keeping operation and carry out payment transaction records；The backward merchant bank backstage of trade company's end networking reports payment
Transaction record.
As above, wherein, in payment process, consumer end off line payment process specifically includes following steps：Movement is set
Standby input login password, logs in mobile terminal APP；The dynamic two-dimension code at mobile device scanning trade company end, is carried from dynamic two-dimension code
Take the bluetooth PIN code at trade company end；Mobile device starts blue tooth interface, according to the bluetooth PIN code extracted and trade company's end progress indigo plant
Tooth PIN is matched；Mobile device is to trade company's end initiating equipment checking request；After being verified of mobile device, mobile device is to business
Initiate to pay request in family end；Mobile device input payment cipher carries out payment transaction；Wallet in mobile device is withholdd, and is propped up
Pay transaction record；Payment transaction records are reported credit card issuer from the background by mobile device in networking, after credit card issuer and merchant bank
Platform is traded, and payment result is sent to mobile device by credit card issuer backstage；Mobile device receives payment result and on screen
Shown.
A kind of checkout terminal, including main frame, security module, Quick Response Code display module, off line are also included in main frame and pays mould
Block and online payment module；Security module is connected with Quick Response Code display module, includes trade company ID and time for trade company's end generation
The factor；Quick Response Code display module includes merchant information receiving submodule, produces random number submodule, data encryption submodule, moves
State password generated submodule, Quick Response Code generation submodule；Merchant information receiving submodule is used for the business for receiving security module transmission
Family ID and time factor；Random number submodule is produced to be used to produce random number；Data encryption submodule receives son with merchant information
Module connects with random number submodule is produced, and for the data of merchant information and random number composition to be encrypted, produces ciphertext；
Dynamic password generation submodule is connected with data encryption submodule, for producing dynamic password after carrying out data extract to ciphertext
Value；Quick Response Code, which generates submodule and dynamic password and produces submodule, to be connected, for utilization Quick Response Code algorithm pair and the indigo plant at trade company end
The combination of tooth PIN code and dynamic password value, which calculate, produces dynamic two-dimension code.
As above, wherein, main frame also includes bluetooth communication；Off line payment module includes Bluetooth pairing request and receives son
Module, the first authentication submodule, the first payment information acquisition submodule, wallet balances judging submodule, the processing that reports an error are sub
Module, wallet book keeping operation submodule, delay report payment information submodule；Bluetooth pairing request receiving submodule and Bluetooth communication mould
Block connects, the Bluetooth pairing request sent for receiving mobile device；First authentication submodule is asked with Bluetooth pairing
Receiving submodule connects, for carrying out authentication to the mobile device of pairing；First payment information acquisition submodule and first
Authentication submodule connects, the request payment information sent for obtaining mobile device after being proved to be successful；Wallet balances judge
Submodule is connected with the first payment information acquisition submodule, for judging the wallet balances of mobile device；Report an error processing
Submodule is connected with wallet balances judging submodule, for when wallet balances deficiency, sending the prompting that reports an error；Wallet book keeping operation submodule
Block is connected with wallet balances judging submodule, for when wallet balances abundance, carrying out wallet book keeping operation and payment transaction records；Prolong
When report payment information submodule and wallet submodule of keeping accounts be connected, for reporting payment transaction to remember to receiving single file backstage and be delayed
Record.
As above, wherein, online payment module includes communication submodule, the second authentication submodule, the second disbursement letter
Cease acquisition submodule, submodule of withholing, real-time report payment information submodule；Communication submodule is used to enter line number with mobile device
According to communication；Second authentication submodule is connected with communication submodule, for carrying out authentication to mobile device；Second pays
Acquisition of information submodule is connected with the second authentication submodule, for obtaining the trade gold of mobile device input after being proved to be successful
Volume；Submodule of withholing is connected with the second payment information acquisition submodule, is carried out for the main account to mobile device or wallet
Withhold；Real-time report payment information submodule is connected with submodule of withholing, for receiving single file backstage real-time report payment information.
As above, wherein, in addition to base, base be connected with main frame；Base includes favor information and searches submodule, orders
Submodule；Favor information searches the payment information of submodule Receiving Host, and lookup is corresponding with payment information from database
The relevant favor information of amount is paid, and favor information is transferred to main frame, main frame is consumer by display screen prompting trade company
Reward voucher is provided；Submodule of ordering receives the information of ordering of trade company's input, and inquires about food price and calculate total price, and by total price
Main frame is transferred to, main frame is shown to trade company by display screen.
As above, wherein, base includes keyboard.
Brief description of the drawings
, below will be to embodiment or existing in order to illustrate more clearly of the embodiment of the present application or technical scheme of the prior art
There is the required accompanying drawing used in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments described in application, for those of ordinary skill in the art, other can also be obtained according to these accompanying drawings
Accompanying drawing.
Fig. 1 is to sweep pattern payment flow figure with householder in the prior art；
Fig. 2 is that the dynamic two-dimension code that the application provides produces process；
Fig. 3 is trade company's end off line payment process that the application provides；
Fig. 4 is the consumer end off line payment process that the application provides；
Fig. 5 is the online payment process in consumer end that the application provides；
Fig. 6 is the online payment process in trade company end that the application provides；
Fig. 7 is the checkout terminal structural representation that the application provides；
Fig. 8 is the Quick Response Code display module structural representation that the application provides；
Fig. 9 is the off line payment module structural representation that the application provides；
Figure 10 is the online payment module structural representation that the application provides；
Embodiment
With reference to the 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 part of the embodiment of the present invention, rather than whole embodiments.Based on the present invention
In embodiment, the every other embodiment that those skilled in the art are obtained under the premise of creative work is not made, all
Belong to the scope of protection of the invention.
The display screen display at trade company end of the application is used for receiving single dynamic two-dimension code, mobile device scanning dynamic two
Dimension code can complete payment transaction.The generation of dynamic two-dimension code by trade company's end off line and online is not influenceed.This application provides
Three kinds of stateful transactions are trade company end respectively and the double off-line states of mobile device, trade company's end off line and mobile device on line state, business
Family end is online and mobile device off-line state.
Mobile device determines whether to use bluetooth connection trade company end according to networking state.
Embodiment one
As shown in Fig. 2 wherein, dynamic two-dimension code produces process and comprised the following steps：
Step S210：Trade company end is using key to one kind or more in transaction data, trade company ID, time factor and random number
Kind of random combine into the encryption that carries out of data, produce ciphertext.
Wherein, random number is produced by the randomizer in trade company end.
Step S220：Trade company end carries out data extract to caused ciphertext, produces dynamic password (One-time
Password, OTP) value.
Step S230：The combination of bluetooth PIN code and OTP values that trade company end is matched using Quick Response Code algorithm pair with mobile terminal is entered
Row calculates, and produces dynamic two-dimension code.The generating algorithm of Quick Response Code uses existing algorithm.
Preferably, dynamic two-dimension code is at the appointed time spaced interior renewal.As one embodiment, dynamic two-dimension code one minute
Automatically update once.
Preferably, transaction data, trade company ID, time factor or random number are one piece of data caused by trade company end.
Preferably, trade company ID includes the information such as identity, amount information, title, address and the extent of competence of trade company.
Preferably, the information such as the amount of money of the transaction data including transaction, time, place.
Preferably, AES is calculated using one-way Hash algorithm, can be symmetric encipherment algorithm or it is asymmetric plus
Close algorithm, is not limited herein.
Preferably, OTP values include key and time factor, and key is unique, and time factor is real-time change.
Preferably, bluetooth PIN code is prefabricated by the Bluetooth chip at trade company end.
Embodiment two
In the embodiment, trade company end and consumer end are in off-line state.
As shown in figure 3, trade company's end off line, which is paid, specifically includes following steps：
Step S310：Trade company end receives the Bluetooth pairing request that mobile device is sent.
Step S320：Trade company end carries out bluetooth connection with mobile device, and the IMEI come to mobile device transmission is to movement
Equipment carries out authentication (can also be verified according to the other information that mobile device transmits).
Step S330：After trade company end is proved to be successful to mobile equipment identity, trade company end receives the payment that mobile device is sent
Solicited message.
As one embodiment, payment request information includes the amount of money and wallet balances of transaction.
Step S340：Trade company end carries out remaining sum judgement according to the payment information of acquisition to the wallet of mobile device.
When trade company end gets the wallet balances deficiency of mobile device, step S350 is performed：Trade company end sends prompting, enters
The capable processing that reports an error.
When wallet balances abundance, step S360 is performed：Trade company end obtains mandate of the mobile device to withholing, and carries out wallet
Book keeping operation and payment transaction records.
Step S370：Trade company end is delayed reports payment transaction records to merchant bank backstage, carries out merchant bank backstage
Trading processing, the corresponding amount of money is deducted from the wallet of mobile device.
Preferably, when wallet balances abundance, if mobile device does not have networking to be paid in the given time, trade company
The merchant bank backstage at end sends an instruction requested for payment to the credit card issuer backstage of mobile device, and credit card issuer sends out the instruction
Give mobile device.
If mobile device does not carry out refund operation at the appointed time, the credit card issuer system meeting when pay next time
Lump sum prompting is sent, completes the payment that could be carried out after refunding next time.As one embodiment, as shown in figure 4,
Consumer end off line pays and had steps of：
Step S410：Mobile device inputs login password, logs in the APP of mobile terminal.
Step S420：The dynamic two-dimension code at mobile device scanning trade company end, the OTP at trade company end is extracted from dynamic two-dimension code
Value and bluetooth PIN code.
Step S430：Mobile device starts blue tooth interface, according to the bluetooth PIN code extracted and trade company's end progress bluetooth
PIN is matched.
Step S440：Mobile device is to trade company's end initiating equipment checking request.
When mobile device is after being verified, step S450 is performed：Mobile device is initiated request to trade company end and paid.
Step S460：If paying request to pass through, the payment cipher that mobile device receives user's input carries out payment transaction.
Step S470：Wallet in mobile device is withholdd, and carries out payment transaction records.
Step S480：Mobile device networking when by payment transaction records report credit card issuer backstage, credit card issuer backstage with
The merchant bank backstage at trade company end is traded, and the corresponding amount of money is transferred accounts to trade company's end account, credit card issuer is from the background by payment result
It is sent to mobile device.
Step S490：Mobile device receives payment result and shown in screen.
Preferably, mobile device can be mobile phone or tablet personal computer.
As another embodiment, consumer end off line is paid, and specifically includes following steps：
Step P1：The dynamic two-dimension code at mobile device scanning trade company end, the OTP values at trade company end are extracted from dynamic two-dimension code
With bluetooth PIN code.
Step P2：Mobile device starts blue tooth interface, according to the bluetooth PIN code extracted and trade company end progress bluetooth PIN
Pairing.
Step P3：Mobile device is to trade company's end initiating equipment checking request.
As one embodiment, checking information includes the amount of money of transaction, the identity information and wallet balances of mobile device.
When mobile device is after being verified, step P4 is performed：Mobile device is initiated request to trade company end and paid.
Step P5：Mobile device receives the random verification code that trade company end is sent and inputted on a display screen.
If identifying code is verified, step P6 is performed：Dealing money and wallet of the mobile device in checking information
Remaining sum is withholdd, and carries out payment transaction records.
Step P7：Payment transaction records are reported credit card issuer backstage, credit card issuer backstage and business by mobile device in networking
The merchant bank backstage at family end is traded, and the corresponding amount of money is transferred accounts to trade company's end account, credit card issuer backstage and sends out payment result
Give mobile device.
Step P8：Mobile device receives payment result and shown on screen.
Embodiment three
In this embodiment, trade company's end off line, consumer end is online.
The specific steps of trade company's end off line as shown in figure 3, no longer repeated herein.
As shown in figure 5, consumer end is online to specifically include following steps：
Step S510：The dynamic two-dimension code at mobile device scanning trade company end, the OTP at trade company end is extracted from dynamic two-dimension code
Value and bluetooth PIN code.
Step S520：Mobile device initiates authentication request to credit card issuer background system.
When mobile device is after being verified, step S530 is performed：Mobile device inputs dealing money, to credit card issuer backstage
Initiate to pay request.
Step S540：If paying request to pass through, mobile device receives payment cipher input instruction, and user is set by movement
Standby input payment cipher.
Step S550：Mobile device and credit card issuer backstage real-time deal, main account are withholdd, and payment result is included in movement
In equipment.
Example IV
Now in embodiment, trade company end is online, consumer end off line.
The specific steps of consumer end off line as shown in figure 5, no longer repeated herein.
As shown in fig. 6, trade company end is online to specifically include following steps：
Step S610：Trade company end carries out Bluetooth communication with mobile device.
Step S620：Trade company end according to mobile device transmission come IMEI to mobile device carry out authentication.
Step S630：After trade company end is proved to be successful to mobile equipment identity, Dynamic Two-dimensional is scanned in trade company end from mobile device
Payment information is obtained in the dealing money inputted after code.
Step S640：The main account of mobile device is withholdd according to the payment information of acquisition at trade company end.
Step S650：Trade company end reports payment information to receipts single file backstage in real time.
Embodiment five
The structural representation at trade company end is illustrated in figure 7, it includes main frame 710 and base 720.Main frame can independent work
Make, can also be worked with base combination.
Main frame 710 includes power supply, the first noumenon and display screen.The first noumenon includes shell, the first external interface, bluetooth and led to
Letter module and the first circuit board being arranged in shell.First external interface is connected with first circuit board, for being passed with outside
Transmission of data.Bluetooth communication is connected with first circuit board, for carrying out bluetooth connection with outside.Power supply can be arranged on shell
Power line that is interior or being connected with external power source.Power supply is connected with display screen, first circuit board, for the two progress
Power supply.Display screen is connected with first circuit board, for showing the information such as dynamic two-dimension code.
The module of base 720 includes the second body, power supply and keyboard 730.Second body includes second circuit board, second external
Interface, indicator lamp and communication module.Second external interface is connected with the first external interface and second circuit board, is used for and main frame
Data are transmitted between 710.Communication module is connected with second circuit board, for entering row data communication, keyboard 730 and second with the external world
Circuit board connects, for inputting Transaction Information to trade company end.Indicator lamp is connected with second interface, in a particular state
Lamplight pointing is carried out (as when meeting to provide reward voucher or payment transaction success).
Power supply can set the power line for being built-in power or being connected with external power source.Power supply and second circuit
Plate, keyboard 730 connect with communication module, for being powered to three.
Wherein, security module, Quick Response Code display module, off line payment module and online payment mould are included in first circuit board
Block, security module are connected with Quick Response Code display module, include transaction data, trade company ID, time factor and random number for generating
Data.
As shown in figure 8, wherein Quick Response Code display module includes merchant information receiving submodule 801, produces random number submodule
Block 802, data encryption submodule 803, dynamic password generation submodule 804, Quick Response Code generation submodule 805.
Merchant information receiving submodule 801 is used for the trade company ID and time factor for receiving security module transmission.
Random number submodule 802 is produced to be used to produce random number.
Data encryption submodule 803 is connected with merchant information receiving submodule 801 and generation random number submodule 802, is used
It is encrypted in the data to merchant information and random number composition, produces ciphertext.
Dynamic password generation submodule 804 is connected with data encryption submodule 803, after carrying out data extract to ciphertext
Produce dynamic password value.
Quick Response Code generates submodule 805 and is connected with dynamic password generation submodule 804, for utilizing Quick Response Code algorithm to business
The bluetooth PIN code at family end and the combination of dynamic password value, which calculate, produces dynamic two-dimension code.
As shown in figure 9, wherein off line payment module includes Bluetooth pairing request receiving submodule 901, the first authentication
Submodule 902, the first payment information acquisition submodule 903, wallet balances judging submodule 904, report an error processing submodule 905,
Wallet book keeping operation submodule 906, delay report payment information submodule 907.
Bluetooth pairing request receiving submodule 901 is used to receive the Bluetooth pairing request that mobile device is sent.
First authentication submodule 902 is connected with Bluetooth pairing request receiving submodule 901, for the movement to pairing
Equipment carries out authentication.
First payment information acquisition submodule 903 is connected with the first authentication submodule 902, for being obtained after being proved to be successful
The request payment information for taking mobile device to send.
Wallet balances judging submodule 904 is connected with the first payment information acquisition submodule 903, for mobile device
Wallet balances are judged.
The processing submodule 905 that reports an error is connected with wallet balances judging submodule 904, for when wallet balances deficiency, sending out
Go out the prompting that reports an error.
Wallet book keeping operation submodule 906 is connected with wallet balances judging submodule 904, for when wallet balances abundance, entering
Row wallet is kept accounts, and carries out payment transaction records.
Delay reports payment information submodule 907 to be connected with wallet book keeping operation submodule 906, for being delayed to receipts single file backstage
Report payment transaction records.
As shown in Figure 10, wherein online payment module include communication submodule 1001, the second authentication submodule 1002,
Second payment information acquisition submodule 1003, submodule 1004 of withholing, real-time report payment information submodule 1005.
Communication submodule 1001 is used to enter row data communication with mobile device.
Second authentication submodule 1002 is connected with communication submodule 1001, is tested for carrying out identity to mobile device
Card.
Second payment information acquisition submodule 1003 is connected with the second authentication submodule 1002, after being proved to be successful
Obtain the dealing money of mobile device input.
Submodule 1004 of withholing is connected with the second payment information acquisition submodule 1003, for the main account to mobile device
Or wallet is withholdd.
Real-time report payment information submodule 1005 is connected with submodule 1004 of withholing, for real-time to single file backstage is received
Report payment information.
Second circuit board is used to realize some expanded functions, such as provides reward voucher, function of ordering.
Include favor information as one embodiment, in second circuit board and search submodule, submodule of ordering.
Favor information search payment information of the submodule through the second external interface Receiving Host, and from database search with
The relevant favor information of amount is paid corresponding to payment information, and favor information is transferred to main frame, main frame is carried by display screen
Show that trade company provides reward voucher for consumer.
Submodule of ordering receives the information of ordering through input through keyboard, and inquires about food price and calculate total price, and by total price
Main frame is transferred to, main frame is shown to trade company by display screen.
The technique effect of embodiments herein is as follows：
(1) degree of safety is higher when the application is paid, and Quick Response Code uses dynamic encryption technology, and timing updates, and helps
In the fund security of guarantee trade company.
(2) for the application after completing to merchandise, trade company end can also obtain matching somebody with somebody for the communication modules such as the wifi of mobile phone terminal, bluetooth
To information, can be actively attached when mobile terminal arrives again at same position, and PUSH message.
(3) the trade company end of the application and consumer end can use the mode of doing business of double off lines, when trade company end is in off line shape
During state, can also wallet be carried out to consumer end and withholdd, can be on time to single file backstage upload consumption bill be received, really after networking
Protect the fund security of trade company.
Although having been described for the preferred embodiment of the application, those skilled in the art once know basic creation
Property concept, then can make other change and modification to these embodiments.So appended claims be intended to be construed to include it is excellent
Select embodiment and fall into having altered and changing for the application scope.Obviously, those skilled in the art can be to the application
Various changes and modification are carried out without departing from spirit and scope.So, if these modifications and variations of the application
Belong within the scope of the application claim and its equivalent technologies, then the application is also intended to exist comprising these changes and modification
It is interior.
Claims (10)
1. a kind of method of mobile payment, it is characterised in that generation process and payment process including dynamic two-dimension code；
Wherein, the generation process of dynamic two-dimension code comprises the following steps：
Trade company end using key to transaction data, trade company ID, time factor and one or more random combines in random number into
Data be encrypted, produce ciphertext；
The trade company end carries out data extract to the ciphertext, produces dynamic password；
The trade company end is calculated the bluetooth PIN code at the trade company end and the dynamic password using Quick Response Code algorithm, production
Raw dynamic two-dimension code.
2. method of mobile payment as claimed in claim 1, it is characterised in that in the dynamic two-dimension code is at the appointed time spaced
Renewal.
3. method of mobile payment as claimed in claim 1, it is characterised in that the encryption uses one-way Hash algorithm.
4. method of mobile payment as claimed in claim 1, it is characterised in that in the payment process, the trade company end takes off
Machine payment process comprises the following steps：
The trade company end receives the Bluetooth pairing request that mobile device is sent；
The trade company end and the mobile device carry out bluetooth connection, and according to the mobile device transmit come IMEI to described
Mobile device carries out authentication；
After the trade company end is proved to be successful to the mobile equipment identity, branch that the trade company end is sent according to the mobile device
Pay solicited message and remaining sum judgement is carried out to the wallet of the mobile device；
If the trade company end gets the wallet balances deficiency of the mobile device, the trade company end sends prompting, reported
Fault is managed；
If during wallet balances abundance, the trade company end obtains mandate of the mobile device to withholing, wallet book keeping operation is carried out simultaneously
Carry out payment transaction records；
The backward merchant bank backstage of trade company end networking reports payment transaction records.
5. method of mobile payment as claimed in claim 4, it is characterised in that in the payment process, the consumer end
Off line payment process specifically includes following steps：
The mobile device inputs login password, logs in mobile terminal APP；
The mobile device scans the dynamic two-dimension code at the trade company end, and the trade company end is extracted from the dynamic two-dimension code
Bluetooth PIN code；
The mobile device starts blue tooth interface, and bluetooth PIN is carried out according to the bluetooth PIN code extracted and the trade company end
Pairing；
The mobile device is to the trade company end initiating equipment checking request；
After being verified of the mobile device, the mobile device initiates to pay request to trade company end；
The payment cipher that the mobile device receives user's input carries out payment transaction；
The wallet in the mobile device is withholdd, and carries out payment transaction records；
Payment transaction records are reported the credit card issuer backstage, the credit card issuer and the receipts by the mobile device in networking
Single bank backstage is traded, and payment result is sent to mobile device by the credit card issuer backstage；
The mobile device receives the payment result and shown in screen.
6. a kind of checkout terminal, it is characterised in that also include security module including main frame, in the main frame, Quick Response Code shows mould
Block, off line payment module and online payment module；
The security module is connected with the Quick Response Code display module, for the trade company end generation include trade company ID and time because
Son；
The Quick Response Code display module include merchant information receiving submodule, produce random number submodule, data encryption submodule,
Dynamic password generation submodule, Quick Response Code generation submodule；
The merchant information receiving submodule is used for the trade company ID and time factor for receiving security module transmission；
The generation random number submodule is used to produce random number；
The data encryption submodule is connected with the merchant information receiving submodule and the generation random number submodule, is used for
The data formed to the merchant information and the random number are encrypted, and produce ciphertext；
The dynamic password generation submodule is connected with the data encryption submodule, for carrying out data extract to the ciphertext
Dynamic password value is produced afterwards；
The Quick Response Code generation submodule produces submodule with the dynamic password and is connected, for utilizing Quick Response Code algorithm pair and institute
State the bluetooth PIN code at trade company end and the combination of the dynamic password value calculate and produces dynamic two-dimension code.
7. checkout terminal as claimed in claim 6, it is characterised in that the main frame also includes bluetooth communication；
The off line payment module includes Bluetooth pairing request receiving submodule, the first authentication submodule, the first disbursement letter
Breath acquisition submodule, wallet balances judging submodule, the processing submodule that reports an error, wallet book keeping operation submodule, delay report disbursement letter
Cease submodule；
The Bluetooth pairing request receiving submodule is connected with the bluetooth communication, is sent for receiving mobile device
Bluetooth pairing is asked；
The first authentication submodule is connected with the Bluetooth pairing request receiving submodule, for the shifting to pairing
Dynamic equipment carries out authentication；
The first payment information acquisition submodule is connected with the first authentication submodule, for being obtained after being proved to be successful
The request payment information that the mobile device is sent；
The wallet balances judging submodule is connected with the first payment information acquisition submodule, for the mobile device
The wallet balances judged；
The processing submodule that reports an error is connected with the wallet balances judging submodule, for when the wallet balances deficiency,
Send the prompting that reports an error；
Wallet book keeping operation submodule is connected with the wallet balances judging submodule, for when the wallet balances abundance,
Carry out wallet book keeping operation and payment transaction records；
The delay reports payment information submodule to be connected with wallet book keeping operation submodule, for prolonging to the receipts single file backstage
When report payment transaction records.
8. checkout terminal as claimed in claim 6, it is characterised in that the online payment module includes communication submodule, the
Two authentication submodules, the second payment information acquisition submodule, submodule of withholing, real-time report payment information submodule；
The communication submodule is used to enter row data communication with the mobile device；
The second authentication submodule is connected with the communication submodule, is tested for carrying out identity to the mobile device
Card；
The second payment information acquisition submodule is connected with the second authentication submodule, for being obtained after being proved to be successful
The dealing money of the mobile device input；
The submodule of withholing is connected with the second payment information acquisition submodule, for the main account to the mobile device
Or wallet is withholdd；
The real-time report payment information submodule is connected with the submodule of withholing, for real-time to the receipts single file backstage
Report payment information.
9. checkout terminal as claimed in claim 6, it is characterised in that be also connected including base, the base with the main frame；
The base includes favor information and searches submodule, submodule of ordering；
The favor information searches the payment information that submodule receives the main frame, and is searched and the disbursement letter from database
The relevant favor information of amount is paid corresponding to breath, and favor information is transferred to the main frame, the main frame passes through display screen
Prompting trade company provides reward voucher for consumer；
Submodule of ordering receives the information of ordering of trade company's input, and inquires about food price and calculate total price, and total price is transferred to
The main frame, the main frame are shown to trade company by display screen.
10. checkout terminal as claimed in claim 9, it is characterised in that the base includes keyboard.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711212104.9A CN107833046A (en) | 2017-11-28 | 2017-11-28 | A kind of method of mobile payment and its checkout terminal |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711212104.9A CN107833046A (en) | 2017-11-28 | 2017-11-28 | A kind of method of mobile payment and its checkout terminal |
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| CN107833046A true CN107833046A (en) | 2018-03-23 |
Family
ID=61646124
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| CN201711212104.9A Pending CN107833046A (en) | 2017-11-28 | 2017-11-28 | A kind of method of mobile payment and its checkout terminal |
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| CN108712383A (en) * | 2018-04-17 | 2018-10-26 | 新大陆（福建）公共服务有限公司 | A kind of generation method and computer readable storage medium of offline secure Quick Response Code |
| CN108734248A (en) * | 2018-04-17 | 2018-11-02 | 新大陆（福建）公共服务有限公司 | A kind of barcode scanning method of the method for quickly generating safe Quick Response Code and Quick Response Code |
| CN109559113A (en) * | 2018-12-19 | 2019-04-02 | 深圳市力量威科技有限公司 | A kind of transaction system without network communication |
| CN109697611A (en) * | 2018-12-11 | 2019-04-30 | 瞬联软件科技（北京）有限公司 | A kind of payment two-dimension code safe payment methods and system |
| CN109784910A (en) * | 2018-12-12 | 2019-05-21 | 福建新大陆支付技术有限公司 | A kind of off line method of payment and payment terminal based on payment terminal |
| CN109903455A (en) * | 2019-01-09 | 2019-06-18 | 盈奇科技（深圳）有限公司 | A kind of automatic vending machine two dimensional code destruction prevention device |
| CN110322237A (en) * | 2019-05-23 | 2019-10-11 | 平安银行股份有限公司 | A kind of method, apparatus and storage medium generating transaction code |
| CN110390733A (en) * | 2019-03-18 | 2019-10-29 | 深圳市迈圈信息技术有限公司 | A kind of bus card-reading machine control method, device and computer equipment |
| CN111192052A (en) * | 2020-01-03 | 2020-05-22 | 广东岭南通股份有限公司 | Payment method, payment server and payment terminal |
| CN111343634A (en) * | 2020-03-05 | 2020-06-26 | 深圳市丰鑫科技服务有限公司 | Safe connection method and data transmission method between low-power-consumption Bluetooth devices |
| WO2020147528A1 (en) * | 2019-01-14 | 2020-07-23 | Giesecke+Devrient Mobile Security Gmbh | Two-dimensional code active scanning payment acceptance method and apparatus, and two-dimensional code active scanning payment system |
| CN113837744A (en) * | 2020-06-24 | 2021-12-24 | 中国银联股份有限公司 | Transaction data processing method, transaction data processing system and terminal |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108734248A (en) * | 2018-04-17 | 2018-11-02 | 新大陆（福建）公共服务有限公司 | A kind of barcode scanning method of the method for quickly generating safe Quick Response Code and Quick Response Code |
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| CN109784910A (en) * | 2018-12-12 | 2019-05-21 | 福建新大陆支付技术有限公司 | A kind of off line method of payment and payment terminal based on payment terminal |
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| CN109903455A (en) * | 2019-01-09 | 2019-06-18 | 盈奇科技（深圳）有限公司 | A kind of automatic vending machine two dimensional code destruction prevention device |
| WO2020147528A1 (en) * | 2019-01-14 | 2020-07-23 | Giesecke+Devrient Mobile Security Gmbh | Two-dimensional code active scanning payment acceptance method and apparatus, and two-dimensional code active scanning payment system |
| CN110390733A (en) * | 2019-03-18 | 2019-10-29 | 深圳市迈圈信息技术有限公司 | A kind of bus card-reading machine control method, device and computer equipment |
| CN110322237A (en) * | 2019-05-23 | 2019-10-11 | 平安银行股份有限公司 | A kind of method, apparatus and storage medium generating transaction code |
| CN111192052A (en) * | 2020-01-03 | 2020-05-22 | 广东岭南通股份有限公司 | Payment method, payment server and payment terminal |
| CN111192052B (en) * | 2020-01-03 | 2023-05-09 | 广东岭南通股份有限公司 | Payment method, payment server and payment terminal |
| CN111343634A (en) * | 2020-03-05 | 2020-06-26 | 深圳市丰鑫科技服务有限公司 | Safe connection method and data transmission method between low-power-consumption Bluetooth devices |
| CN111343634B (en) * | 2020-03-05 | 2023-01-03 | 深圳市丰鑫科技服务有限公司 | Safe connection method and data transmission method between low-power-consumption Bluetooth devices |
| CN113837744A (en) * | 2020-06-24 | 2021-12-24 | 中国银联股份有限公司 | Transaction data processing method, transaction data processing system and terminal |
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