CN108090761A - Block chain token method of payment based on credible two-dimension code - Google Patents

Block chain token method of payment based on credible two-dimension code Download PDF

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Publication number
CN108090761A
CN108090761A CN201711106295.0A CN201711106295A CN108090761A CN 108090761 A CN108090761 A CN 108090761A CN 201711106295 A CN201711106295 A CN 201711106295A CN 108090761 A CN108090761 A CN 108090761A
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China
Prior art keywords
wallet
information
transaction
payment
user
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CN201711106295.0A
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Chinese (zh)
Inventor
黄步添
邓旭
桂晓琬
王从礼
钱诚
王备
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Hangzhou Yunxiang Network Technology Co Ltd
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Hangzhou Yunxiang Network Technology Co Ltd
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Priority to CN201711106295.0A priority Critical patent/CN108090761A/en
Publication of CN108090761A publication Critical patent/CN108090761A/en
Pending legal-status Critical Current

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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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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
    • 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
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a kind of block chain token methods of payment based on credible two-dimension code, and this method is by block chain, that is, service technology, the mode combined using wallet under wallet on line and line, and payment efficiency is improved while ensureing safe；The present invention carries out the payment of bit coin using ciphering two-dimension code simultaneously, and the convenience of Quick Response Code improves a lot compared to the process that long password is inputted in conventional bit coin payment process, while Encryption Algorithm also ensures the security merchandised in payment process.

Description

Block chain token method of payment based on credible two-dimension code
Technical field
The invention belongs to mobile payment and block chain technical fields, and in particular to a kind of block chain based on credible two-dimension code Token method of payment.
Background technology
With the popularization of mobile payment, people have increasingly got used to replacing wallet with mobile phone, carry out paperless trading. The form of payment is presently mainly following two：The first is when user is paid or is transferred accounts, it is thus only necessary to be passed through The app such as wechat, Alipay scan the Quick Response Code of Merchant Account, input Payment Amount, are verified, it is possible to which money is transferred to businessman Account in.If user is in certain platform, Sorry, your ticket has not enough value, can be transferred accounts or be paid by other platforms such as bank, bank Transferring accounts between card and platform may need to pay routine expense.Second method is that user is providing code function of paying the bill The payment code of oneself is found on app, it, will be in user directly with device scan user-pay code if businessman has barcode scanning equipment Certain amount of money is deducted in account, the amount of money is inputted by businessman, and user does not confirm link, is scanned and is successfully directly withholdd；Per transaction Record includes a certain amount of information, such as the side of transferring accounts, beneficiary, the amount of money, time content.
Though traditional mobile payment comparative maturity, is typically limited to currency, and with the diversification of pay content, electronics The payment demand of token is also gradually stepping up, thus design it is a kind of suitable for block chain payment the means of payment very it is necessary to.
Block chain is a kind of book keeping operation technology of decentralization, ensures that data with existing can not possibly quilt using the method for cryptography It distorts, it is the Floor layer Technology of bit coin.Block chained record electronic token create since All Activity record, every record Comprising certain information, including producing address, being transferred to address, token quantity, timestamp, digital signature etc., when Transaction Information reaches Certain scale can be packaged into a block by centainly calculating, and each block contains the cryptographic Hash of previous block, so will not be by It distorts.Since generation block needs certain calculation power, every transaction, which is identified, needs the regular hour, generates within probably every ten minutes One block.The widely used token of one of which is bit coin, and the mobile payment of bit coin needs to use bit coin Wallet.Bit coin wallet can be made of with stored bits coin wallet address (public key) and private key, is grasped private key and is just grasped this ground The bit coin stored in location.The private key of online wallet is stored on the net, faces server crash, the safety problems such as hacker steals, And the wallet under line is compared, convenience can have a greatly reduced quality, it is difficult to meet the needs of mobile payment.
Mobile payment is although convenient and efficient at present, and popularity is high, but is only capable of using currency, and the electronics generation such as bit coin Coin is compared in mobile terminal there are no special means of payment, and with present mobile payment, bit coin due to transaction need by Confirm, payment has larger time delay, greatly limits the efficiency and convenience of the transaction of bit coin.
Therefore we can ensure the same of safety by BaaS, the mode combined using wallet under wallet on line and line Shi Tigao payment efficiencies.Based on above-mentioned consideration, it is proposed that carrying out the payment of bit coin using ciphering two-dimension code, Quick Response Code is just Victory improves a lot compared to the process that long password is inputted in conventional bit coin payment process, while Encryption Algorithm also ensures branch Pay the security merchandised in the process.
The content of the invention
In view of above-mentioned, the present invention provides a kind of block chain token method of payment based on credible two-dimension code, this method is borrowed Block chain i.e. service technology is helped, the mode combined using wallet under wallet on line and line improves payment while ensureing safe Efficiency；The present invention carries out the payment of bit coin using ciphering two-dimension code simultaneously, and the convenience of Quick Response Code compares conventional bit coin branch The process that long password is inputted during paying improves a lot, while Encryption Algorithm also ensures the safety merchandised in payment process Property.
A kind of block chain token method of payment based on credible two-dimension code, includes the following steps：
(1) for the mode of transferring accounts by barcode scanning acquisition reciprocal account, then offline wallet or online is selected by the other user Wallet simultaneously generates its address Quick Response Code；For providing the payment mode that code is settled accounts by other side's barcode scanning, then paying for online wallet is generated Money Quick Response Code；
The offline wallet is the privately owned block chain token wallet of user, stores the wallet public key (address) and private key of user Information is protected by user's offline electronic payment password, and server can not learn private key for user information, is needed using during offline wallet Pay certain service charge and since the block chain transaction verification time can generate certain delay；It is use in the online wallet Family is temporarily stored into the part token in server wallet, is managed by server, and user is used by online password, online Transaction between wallet is not required payment procedure expense and without time delay；
(2) described address Quick Response Code or payment Quick Response Code are parsed；
(3) information obtained according to parsing completes transfer process, transferred accounts including the online wallet of user to reciprocal account, The offline wallet of user is transferred accounts to reciprocal account, the online wallet of user is transferred accounts to offline wallet, the offline wallet of user to Online wallet is transferred accounts or other side carries out five kinds of forms of gathering by scanning payment Quick Response Code.
Further, offline wallet is generated in the step (1) or the detailed process of online wallet address Quick Response Code is：It is first First, write-in represents in the code transferred accounts that the code content includes transfer instructions generation after elliptic curve cryptography being carried out to address information Code, address, address generated time, user information and the address can be transferred number；Then, then to the code integrally use RSA Algorithm is encrypted；Finally, encrypted code is automatically generated to obtain using standard QR code generating method corresponding Address Quick Response Code.
Further, the detailed process of the online wallet payment Quick Response Code of generation is in the step (1)：First, obtain If address is legal, first layer encryption is carried out to the address using elliptic curve for line wallet address；It then, will be after encryption Address write-in for payment code in, the code content include temporal information, location information, encrypted wallet address, Paying party personal information and scanned number；If the code is meant that merchant service end authorized mistake, can by business Family directly inputs Payment Amount without user's checking identity information and confirmation；Finally, to the code integrally using RSA Algorithm into Row encryption, and encrypted code is automatically generated to obtain corresponding payment Quick Response Code using standard QR code generating method.
Further, the detailed process parsed in the step (2) to address Quick Response Code is：First, marked according to QR Quasi- analysis mode parses address Quick Response Code, obtains a string of encrypted information；Then, predetermined way is passed through by client Information is decrypted, obtains the encrypted code of a string of address informations, and then corresponding operating is carried out according to code command, including aobvious Show that operation interface, display are transferred the non-privacy information in account part (such as account ID) and other operations related with transferring accounts；Its In, resolver handles online purse data processing module or the processing of online wallet address according to the message length selection solved The network interaction module interacted with outer net block chain of offline wallet address, and be decrypted by corresponding module, so as to ensure Address information is in transmission process all in confidential state.
Further, it is to the detailed process that is parsed of payment Quick Response Code in the step (2)：First, marked according to QR Quasi- analysis mode parses payment Quick Response Code, obtains a string of encrypted information；Then, predetermined way is passed through by client Decryption obtains a string of online encrypted codes of wallet address information, and then certain operation is carried out according to code command, including aobvious Show operation interface, display be transferred the non-privacy information in part (such as account ID) of account, require other side input Payment Amount and Other operations related with transferring accounts.
Further, the idiographic flow that the online wallet of user is transferred accounts to reciprocal account in the step (3) is as follows：
Step 1：Whether the wallet address for judging to obtain after decoding by the side of producing is legal address, and step is performed if legal 2；If not conforming to the rule feedback illegal error message in Quick Response Code address, that is, transferring accounts failure and performs step 11；
Step 2：The token quantity that the side's of producing input is transferred accounts, the page show the real-time exchange rate, and after completing input, it is defeated to click on confirmation Enter the amount of money, and perform step 3；
Step 3：The side's of producing client background judges that wallet address is online wallet address or offline wallet address, if Online wallet address then performs step 4, and step 6 is then performed if offline wallet address；
Step 4：The side of producing carries out authentication by Input Online payment cipher or fingerprint, if authentication is by holding Row step 5；If not by performing step 11；
Step 5：Internal data processing is carried out to server wallet by server, according to the online money of the side of producing He the side of being transferred to Packet address information carries out the processing operation of balance data, specifically includes the online wallet balances reduction in the side of producing, the reduction amount of money is equal to Transaction amount, the online wallet balances in the side of being transferred to increase, increase the amount of money equal to transaction amount, then perform step 10；
Step 6：The side of producing carries out authentication by Input Online password or fingerprint, if authentication is by performing step Rapid 7；If not by performing step 11；
Step 7：The online wallet balances in the reduction side of producing, the reduction amount of money add transaction procedure expense, increase to be transferred to for transaction amount The online wallet balances in side, the increase amount of money are transaction amount, and then set this two amount of money upset conditions to be undetermined, and perform step 8；
Step 8：By server server wallet signature is recalled to be verified and broadcast Transaction Information, be server wallet to The offline wallet in the side of being transferred to initiates transaction；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 9, it is no Step 8 is then performed repeatedly；
Step 9：The amount of money state of the online wallet reduction in the side of producing and the side of being transferred to offline the increased amount of money state of wallet by It is undetermined to become confirming, perform step 10；
Step 10：It merchandises successfully, the side's of producing user end to server sends successful relevant information of transferring accounts, and is compiled including transaction Code, time, place, the side's of producing personal information, the side's of being transferred to personal information, verification mode and transfer amounts, these information will deposit It is placed in the database of server, easy-to-look-up transaction record is cleared, and then terminates flow；
Step 11：Fail Transaction, the side's of producing client send failure information of transferring accounts, encoded including transaction, Time, place, the side's of producing personal information, the side's of being transferred to personal information, failure cause and the frequency of failure, these information will be stored in In the database of server, easy-to-look-up Fail Transaction record carries out malicious act analysis, and then terminates flow.
Further, the idiographic flow that the offline wallet of user is transferred accounts to reciprocal account in the step (3) is as follows：
Step 1：Whether the wallet address for judging to obtain after decoding by the side of producing is legal address, and step is performed if legal 2；If not conforming to the rule feedback illegal error message in Quick Response Code address, that is, transferring accounts failure and performs step 13；
Step 2：The token quantity that the side's of producing input is transferred accounts, the page show the real-time exchange rate, and after completing input, it is defeated to click on confirmation Enter the amount of money, and perform step 3；
Step 3：The side's of producing client background judges that wallet address is online wallet address or offline wallet address, if Online wallet address then performs step 4, and step 8 is then performed if offline wallet address；
Step 4：The side of producing carries out authentication by inputting offline electronic payment password or fingerprint, if authentication is by holding Row step 5；If not by performing step 13；
Step 5：The offline wallet balances in the reduction side of producing, the reduction amount of money add transaction procedure expense, increase to be transferred to for transaction amount The online wallet balances in side, the increase amount of money are transaction amount, and then set this two amount of money upset conditions to be undetermined, and perform step 6；
Step 6：The offline wallet in the side of producing is recalled sign and broadcast Transaction Information, for the side of producing offline wallet to server money Bag initiates transaction；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 7, otherwise perform step repeatedly Rapid 6；
Step 7：The amount of money state of the offline wallet reduction in the side of producing and the side of being transferred to online the increased amount of money state of wallet by It is undetermined to become confirming, perform step 12；
Step 8：The side of producing carries out authentication by inputting offline electronic payment password or fingerprint, if authentication is by holding Row step 9；If not by performing step 13；
Step 9：The offline wallet balances in the reduction side of producing, the reduction amount of money add transaction procedure expense, increase to be transferred to for transaction amount The offline wallet balances in side, the increase amount of money are transaction amount, and then set this two amount of money upset conditions to be undetermined, and perform step 10；
Step 10：Server wallet signature is recalled by server to be verified and broadcast Transaction Information, for the side of producing offline Wallet initiates transaction to the offline wallet in the side of being transferred to；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step Rapid 11, step 10 is otherwise performed repeatedly；
Step 11：The amount of money state of the offline wallet reduction in the side of producing and the side of being transferred to offline the increased amount of money state of wallet by It is undetermined to become confirming, perform step 12；
Step 12：It merchandises successfully, the side's of producing user end to server sends successful relevant information of transferring accounts, and is compiled including transaction Code, time, place, the side's of producing personal information, the side's of being transferred to personal information, verification mode and transfer amounts, these information will deposit It is placed in the database of server, easy-to-look-up transaction record is cleared, and then terminates flow；
Step 13：Fail Transaction, the side's of producing client send failure information of transferring accounts, encoded including transaction, Time, place, the side's of producing personal information, the side's of being transferred to personal information, failure cause and the frequency of failure, these information will be stored in In the database of server, easy-to-look-up Fail Transaction record carries out malicious act analysis, and then terminates flow.
Further, the idiographic flow that the online wallet of user is transferred accounts to offline wallet in the step (3) is as follows：
Step 1：User inputs transfer amounts, and client judges whether transfer amounts are less than online wallet balances, if being less than, Step 2 is then performed, otherwise prompts online wallet balances deficiency, it is desirable that re-enter transfer amounts；
Step 2：User carries out authentication by Input Online payment cipher or fingerprint, if being verified, performs step 4；If not by performing step 3；
Step 3：Subscription client sends failure information of transferring accounts to server, including transaction number, time, place, user Personal information, transfer amounts, verification mode and the continuous frequency of failure of mistake, these information will be stored in the database of server In, easy-to-look-up Fail Transaction record carries out malicious act analysis, and then terminates flow；
Step 4：Increasing the offline wallet balances of user, increasing the amount of money is that transfer amounts subtract transaction procedure expense, reduce user Online wallet balances, the reduction amount of money are transfer amounts, and then set this two amount of money upset conditions to be undetermined, and perform step 5；
Step 5：By server server wallet signature is recalled to be verified and broadcast Transaction Information, be server wallet to The offline wallet of user initiates transaction；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 6, otherwise Step 5 is performed repeatedly；
Step 6：The increased amount of money state of the offline wallet of user and the amount of money state of the online wallet reduction of user by undetermined Become confirming, and then subscription client is transferred accounts successful relevant information to server transmission, including transaction coding, the time, place, Userspersonal information, verification mode and transfer amounts, these information will be stored in the database of server, easy-to-look-up friendship Easily record is cleared, and then terminates flow.
Further, the idiographic flow that the offline wallet of user is transferred accounts to online wallet in the step (3) is as follows：
Step 1：User inputs transfer amounts, and client judges whether transfer amounts are less than offline wallet balances, if being less than, Step 2 is then performed, otherwise prompts offline wallet balances deficiency, it is desirable that re-enter transfer amounts；
Step 2：User carries out authentication by inputting offline electronic payment password or fingerprint, if being verified, performs step 4；If not by performing step 3；
Step 3：Subscription client sends failure information of transferring accounts to server, including transaction number, time, place, user Personal information, transfer amounts, verification mode and the continuous frequency of failure of mistake, these information will be stored in the database of server In, easy-to-look-up Fail Transaction record carries out malicious act analysis, and then terminates flow；
Step 4：Increasing the online wallet balances of user, increasing the amount of money is that transfer amounts subtract transaction procedure expense, reduce user Offline wallet balances, the reduction amount of money are transfer amounts, and then set this two amount of money upset conditions to be undetermined, and perform step 5；
Step 5：It recalls the offline wallet of user to sign and broadcast Transaction Information, is that the offline wallet of user is sent out to server wallet Play transaction；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 6, otherwise perform step 5 repeatedly；
Step 6：The amount of money state and the increased amount of money state of the online wallet of user of the offline wallet reduction of user by undetermined Become confirming, and then subscription client is transferred accounts successful relevant information to server transmission, including transaction coding, the time, place, Userspersonal information, verification mode and transfer amounts, these information will be stored in the database of server, easy-to-look-up friendship Easily record is cleared, and then terminates flow.
Further, other side is as follows by scanning the idiographic flow that payment Quick Response Code is collected money in the step (3)：
Step 1：Subscription client backstage obtains current time, current location, online wallet balances and wallet address letter Breath generates online wallet payment Quick Response Code；
Step 2：Other side scans the online wallet payment Quick Response Code of user, and Quick Response Code generated time, life are obtained by decoding Into place, wallet balances and wallet address information, step 3 is performed；
Step 3：Judge to pay the bill Quick Response Code generated time and usage time whether in effective time interval, judge to pay the bill The generation place of Quick Response Code whether near scanner location, judge pay the bill Quick Response Code whether do not update also and paid not successfully, If three above condition has one otherwise to perform step 4, other situations perform step 5；
Step 4：Other side's user end to server sends failure information of transferring accounts, including transaction number, time, place, user Personal information, other side's personal information, transfer amounts, verification mode and the continuous frequency of failure of mistake, these information will be stored in clothes It is engaged in the database of device, easy-to-look-up Fail Transaction record carries out malicious act analysis, and then terminates flow；
Step 5：Other side inputs Payment Amount, judges whether Payment Amount is less than the online wallet balances of user by client, If being less than, step 6 is performed, otherwise performs step 4；
Step 6：Current payment Quick Response Code state is changed to have paid, increases the online wallet balances of other side, the increase amount of money is Payment Amount, the online wallet balances of reduction user, the reduction amount of money are all Payment Amount；And then it is sent out by other side's user end to server The relevant information of successful payment is sent, including transaction coding, time, place, userspersonal information, other side's personal information, authentication Formula and Payment Amount, these information will be stored in the database of server, and easy-to-look-up transaction record is cleared, and then Terminate flow.
The present invention is by block chain, that is, service technology, the mode combined using wallet under wallet on line and line, is ensureing to pacify Payment efficiency is improved while complete；The present invention carries out the payment of bit coin, the convenience of Quick Response Code using ciphering two-dimension code simultaneously It improves a lot compared to the process that long password is inputted in conventional bit coin payment process, while Encryption Algorithm is also ensured and paid The security merchandised in journey.
Description of the drawings
Fig. 1 is that the system of the method for the present invention realizes block diagram.
Fig. 2 is the flow diagram of present invention generation wallet address Quick Response Code.
Fig. 3 is the flow diagram of present invention generation wallet payment Quick Response Code.
Fig. 4 is the flow diagram that the online wallet of user of the present invention is transferred accounts to other users.
Fig. 5 is the flow diagram that the offline wallet of user of the present invention is transferred accounts to other users.
Fig. 6 is the flow diagram that the online wallet of user of the present invention is transferred to offline wallet.
Fig. 7 is the flow diagram that the offline wallet of user of the present invention is transferred to online wallet.
Fig. 8 is the flow diagram that businessman of the present invention realizes gathering by Quick Response Code of paying the bill.
Specific embodiment
In order to more specifically describe the present invention, below in conjunction with the accompanying drawings and specific embodiment is to technical scheme It is described in detail.
As shown in Figure 1, user terminal wallet is divided into offline wallet and online wallet, offline wallet is user's privately owned block chain generation Coin wallet stores the information such as wallet public key (address), the private key of user, is protected by user's offline electronic payment password, clothes Business device can not learn private key for user information, therefore confidentiality and the online wallet of security ratio are high, but be needed when using offline wallet Certain service charge is paid, and since the block chain transaction verification time can generate certain delay.Online wallet is that user is temporary Be put in the part token of server wallet, be managed by server, user is used by online password, online wallet and Payment procedure expense is not required in transaction between online wallet, and without time delay.Private key, online password and offline electronic payment password All by the way that the md5 encryption methods of salt is added to preserve, there is higher security.
User terminal has Quick Response Code generation and parsing module, and wherein two-dimensional code generation module can generate online wallet address two dimension Code, offline wallet address Quick Response Code, payment code can recognize that other people online wallet address Quick Response Code and offline wallet address two dimension Code, payment code need merchant device trusty to be parsed, and user terminal and trusted businessman are demonstrate,proved by server issues number Book carries out trusted right delegation；Server end preserves the online wallet of user, Transaction Information, is responsible for Transaction Information processing, network is handed over The functions such as mutual.
As shown in Fig. 2, the detailed process of pure address Quick Response Code generation is：User selects to generate offline address Quick Response Code first Or online address Quick Response Code, the digit of two kinds of Quick Response Codes is different, therefore need not do special marking；Backstage by address information into Write-in is represented in the code transferred accounts after row elliptic curve cryptography, this section of code is represented to carry out payment by the transfer of accounts to certain address and transferred accounts Amount of money position can be transferred number comprising transfer instructions code, address generated time, address, user information, the address, then right Sentence is integrally encrypted using RSA Algorithm；Encrypted code is automatically generated according to standard QR code generating method, standard QR code product processes are：Data analysis-data encoding-final the information of Error Correction of Coding-construction-in a matrix arrange module-mask- Add form and version information.
As shown in figure 3, the detailed process of payment Quick Response Code generation is automatically：User selects to generate online wallet payment first Quick Response Code obtains online wallet address from the background, if this address is legal, first layer encryption is carried out to this address, encryption is calculated Method is elliptic curve cryptography；Encrypted address is write in code, code content includes temporal information, location information, encryption Rear wallet address, paying party personal information, scanned number etc., if code is meant that businessman is server-side authorized mistake , then Payment Amount can be inputted by businessman without user's checking identity information and confirmation；After code content is by rsa encryption It is automatically generated according to standard QR code generating mode.
Parsing for pure address Quick Response Code：Quick Response Code identification module recognizes Quick Response Code, according to QR standard analysis modes It is parsed, a string of encrypted information is obtained after parsing, client is decrypted by predetermined way, and a string of addresses are obtained after decryption The encrypted code of information carries out certain operation according to code command, and including operation display interface, display is transferred account part The operation related with transferring accounts of non-privacy information (such as account ID).Resolver handles online money by the address size selection solved The data module of the online wallet of packet address or the network interaction module interacted with outer net block chain of the offline wallet address of processing, It is decrypted by the module, so as to ensure address in transmission process all in confidential state.
Parsing for online wallet payment Quick Response Code：Businessman scans the payment Quick Response Code of client by special equipment, if It is standby to be parsed first by QR standard analysis modes, a string of encrypted information are obtained after parsing, client passes through predetermined party Formula is decrypted, and a string of online encrypted codes of wallet address information are obtained after decryption, and certain operation, bag are carried out according to code command Operation display interface is included, display is transferred the non-privacy information in part (such as account ID) of account, businessman is required to input Payment Amount Deng operation.
As shown in figure 4, online wallet is to other users transfer process：The side of producing user selects online wallet to be used to other Family is transferred accounts function, and other users select to generate online wallet or offline wallet address Quick Response Code in Quick Response Code function is generated；Turn The online wallet of the side's of going out scanning input other users or offline wallet address Quick Response Code receive image information from the background, carry out two Code decoding and decryption oprerations are tieed up, obtain the content of two-dimentional representation, which should be one section of code for including address information, tool Body step is as follows：
Step 1：Judge whether decoded address is legal address, and step 2 is performed if legal；Rule feedback two is not conformed to The illegal error message in code address is tieed up, transfers accounts unsuccessfully, performs step 11；
Step 2：The bit coin quantity or certain quantity of money, the page that the side's of producing input is transferred accounts show the real-time exchange rate, input Bit coin and several quantity of money input number change with user and change in the process；After completing input, confirmation input is clicked on The amount of money performs step 3；
Step 3：User terminal backstage judges that the wallet address that code includes is online address or offline address, if online Address then performs step 4；Step 6 is then performed if offline address；
Step 4：Address is online address, other verification modes such as the side's of producing Input Online password or fingerprint carry out identity and test Card, if authentication is by performing step 5, if not by performing step 11；
Step 5：Server carries out the internal data processing of server wallet, according to the online wallet of the side of producing He the side of being transferred to Address information carries out the processing operation of balance data, specifically, the online wallet balances in the side of producing reduce, reduce the amount of money equal to transaction The amount of money, the online wallet balances in the side of being transferred to increase, increase the amount of money equal to transaction amount, then perform step 10；
Step 6：Address is offline address, other verification modes such as the side's of producing Input Online password or fingerprint carry out identity and test Card, if authentication is by performing step 7；If not by performing step 11；
Step 7：Authentication is by reducing the online wallet balances of user, reducing the amount of money and add transaction procedure for transaction amount Take；Increasing the online wallet balances in the side of being transferred to, the increase amount of money is transaction amount, and sets this two amount of money upset conditions to be undetermined, Perform step 8；
Step 8：Server end recalls server wallet signature, is verified and broadcasts Transaction Information, is server wallet To the offline wallet in the side of being transferred to；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 9, otherwise repeatedly Perform step 8；
Step 9：Transaction has been written into block, the offline wallet of amount of money state and the side of being transferred to of the online wallet reduction in the side of producing Increased amount of money state is become confirming from undetermined, and performs step 10；
Step 10：It merchandises successfully, user terminal sends successful relevant information of transferring accounts to server end, encoded including transaction, The information such as time, place, the side's of producing personal information, the side's of being transferred to personal information, verification mode, transfer amounts, the storage of these information In the database of server, easy-to-look-up transaction record is cleared.Terminate flow；
Step 11：Fail Transaction, user terminal are transferred accounts failure information to server end transmission, including transaction coding, the time, The information such as point, the side of producing, the side of being transferred to, failure cause, the frequency of failure, these information are stored in the database of server, convenient It searches Fail Transaction record and carries out malicious act analysis etc..Terminate flow.
As shown in figure 5, offline wallet is to other users transfer process：The side of producing user selects offline wallet to be used to other Family is transferred accounts function, and other users select to generate online wallet or offline wallet address Quick Response Code in Quick Response Code function is generated；Turn The online wallet of the side's of going out scanning input other users or offline wallet address Quick Response Code receive image information from the background, carry out two Code decoding and decryption oprerations are tieed up, obtain the content of two-dimentional representation, which should be one section of code for including address information, tool Body step is as follows：
Step 1：Judge whether decoded address is legal address, and step 2 is performed if legal；Rule feedback two is not conformed to The illegal error message in code address is tieed up, transfers accounts unsuccessfully, performs step 13；
Step 2：The bit coin quantity or certain quantity of money, the page that the side's of producing input is transferred accounts show the real-time exchange rate, input Bit coin and several quantity of money input number change with user and change in the process；After completing input, confirmation input is clicked on The amount of money, and perform step 3；
Step 3：User terminal backstage judges that the wallet address that code includes is online address or offline address, if online Address then performs step 4；Step 8 is then performed if offline address；
Step 4：Address is online address, and the side of producing inputs packet address of changing, if skipping this step acquiescence small change wallet Address is the side of producing wallet address；The side's of producing other verification modes of input offline electronic payment password or fingerprint etc. carry out authentication, If authentication is by performing step 5, if not by performing step 13；
Step 5：Authentication is by reducing the offline wallet balances in the side of producing, reducing the amount of money and add transaction equal to transfer amounts Service charge increases the online wallet balances in the side of being transferred to, and increases the amount of money and is equal to transfer amounts, sets this two amount of money upset conditions to treat It is fixed, then perform step 6；
Step 6：It recalls the offline wallet in the side of producing to sign and broadcast Transaction Information, server is transferred to for the offline wallet in the side of producing Wallet；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 7, otherwise perform step 6 repeatedly；
Step 7：Transaction has been written into block, the online wallet of amount of money state and the side of being transferred to of the offline wallet reduction in the side of producing Increased amount of money state becomes confirming from undetermined, performs step 12；
Step 8：Address is offline address, and the side of producing inputs packet address of changing, if skipping this step acquiescence small change wallet Address is the side of producing wallet address；The side's of producing other verification modes of input offline electronic payment password or fingerprint etc. carry out authentication, If authentication is by performing step 9, if not by performing step 13；
Step 9：Authentication is by reducing the offline wallet balances in the side of producing, reducing the amount of money and add transaction hand for transaction amount It continues to pay dues；Increase the offline wallet balances in the side of being transferred to, the increase amount of money is transaction amount, and sets this two amount of money upset conditions to treat It is fixed；Perform step 10；
Step 10：Server end recalls server wallet signature, is verified and broadcasts Transaction Information, offline for the side of producing Wallet is transferred accounts to the offline wallet in the side of being transferred to；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 11, step 10 is otherwise performed repeatedly；
Step 11：Transaction has been written into block, the offline money of amount of money state and the side of being transferred to of the online wallet reduction in the side of producing It wraps increased amount of money state to become confirming from undetermined, and performs step 12；
Step 12：It merchandises successfully, user terminal sends successful relevant information of transferring accounts to server end, encoded including transaction, The information such as time, place, the side's of producing personal information, the side's of being transferred to personal information, verification mode, transfer amounts, the storage of these information In the database of server, easy-to-look-up transaction record is cleared, and terminates flow；
Step 13：Fail Transaction, user terminal are transferred accounts failure information to server end transmission, including transaction coding, the time, The information such as point, the side of producing, the side of being transferred to, failure cause, the frequency of failure, these information are stored in the database of server, convenient It searches Fail Transaction record and carries out malicious act analysis etc., terminate flow.
As shown in fig. 6, to be transferred to offline wallet flow as follows for online wallet in user：
Step 1：User selects online wallet to be transferred to offline wallet function；
Step 2：User inputs transfer amounts, and backstage judges whether transfer amounts are less than online wallet balances, if being less than, Step 4 is performed, otherwise performs step 3；
Step 3：Transfer amounts are more than online wallet balances, prompt online wallet balances deficiency, it is desirable that re-enter and transfer accounts The amount of money performs step 2；
Step 4：Transfer amounts are less than online wallet balances, Input Online password or fingerprint authentication, if being verified, perform Step 6；Otherwise step 5 is performed；
Step 5：User terminal is transferred accounts failure information to server transmission, including transaction number, time, place, user, is transferred accounts The amount of money, verification mode, continuous frequency of failure etc. terminate flow；
Step 6：Online password or fingerprint authentication are transferred accounts remaining sum less Commission by, offline wallet balances increase, online Wallet balances are reduced, and setting state is state to be confirmed, and performs step 7；
Step 7：Write-in signs and broadcasts Transaction Information, is the information from server wallet address to offline wallet address, It is identified etc. to be transacted, if the transaction is written into block, performs step 8；Otherwise step 7 is performed repeatedly；
Step 8：The transaction is written into block, cancels " to be confirmed " state of online wallet and offline wallet, user terminal Successful information of transferring accounts is sent to server, including transaction number, time, place, user, verification mode, transfer amounts etc., is terminated Flow.
As shown in fig. 7, it is as follows to be transferred to online wallet flow with indoor offline wallet：
Step 1：User selects offline wallet to be transferred to online wallet function；
Step 2：User inputs transfer amounts, and backstage judges whether transfer amounts are less than offline wallet balances, if being less than, Step 4 is performed, otherwise performs step 3；
Step 3：Transfer amounts are more than offline wallet balances, prompt offline wallet balances deficiency, it is desirable that re-enter and transfer accounts The amount of money performs step 2；
Step 4：Transfer amounts are less than offline wallet balances, input offline electronic payment password or fingerprint authentication, if being verified, Perform step 6；Otherwise step 5 is performed；
Step 5：User terminal is transferred accounts failure information to server transmission, including transaction number, time, place, user, is transferred accounts The amount of money, verification mode, continuous frequency of failure etc. terminate flow；
Step 6：Offline electronic payment password or fingerprint authentication are transferred accounts remaining sum less Commission by, online wallet balances increase, Offline wallet balances are reduced, and setting state is state to be confirmed, and performs step 7；
Step 7：Write-in signs and broadcasts Transaction Information, for the letter from offline wallet address to the wallet address of server Breath；It is identified etc. to be transacted, if the transaction is written into block, performs step 8；Otherwise step 7 is performed repeatedly；
Step 8：The transaction is written into block, cancels " to be confirmed " state of online wallet and offline wallet, user terminal Successful information of transferring accounts is sent to server, including transaction number, time, place, user, verification mode, transfer amounts etc., is terminated Flow.
As shown in figure 8, businessman is as follows by the flow that Quick Response Code of paying the bill is collected money：
Step 1：Customer opens payment Quick Response Code；
Step 2：Customer end backstage obtains the information such as current time, place, generates online wallet payment Quick Response Code；
Step 3：Businessman scans the online wallet payment Quick Response Code of customer, and merchant device obtains the letters such as current time, place Breath is decoded, and obtains partial information in customer payment code, performs step 4；
Step 4：Judge pay the bill code generated time and usage time whether within effective timeJudge the generation of payment code Whether place is near scanner locationJudge whether payment code does not update also and paid not successfullyIf three above condition has One is unsatisfactory for performing step 5, otherwise performs step 6；
Step 5：The information that user terminal fails to server Sending Payments, including Action number, time, place, businessman, Gu Visitor, failure cause etc. terminate flow；
Step 6：User inputs Payment Amount, and whether verification Payment Amount is less than the online wallet balances of customerIf it performs Step 7, step 5 is otherwise performed；
Step 7：Change current two-dimension state is has paid, and the online wallet balances of businessman increase, more than the online wallet of customer Volume is reduced, and no service charge, user terminal is to server Sending Payments successful information, including Action number, time, place, businessman, use Family, amount of money etc. terminate flow.
The above-mentioned description to embodiment is understood that for ease of those skilled in the art and using the present invention. Person skilled in the art obviously can easily make above-described embodiment various modifications, and described herein general Principle is applied in other embodiment without having to go through creative labor.Therefore, the invention is not restricted to above-described embodiment, abilities Field technique personnel announcement according to the present invention, the improvement made for the present invention and modification all should be in protection scope of the present invention Within.

Claims (10)

1. a kind of block chain token method of payment based on credible two-dimension code, includes the following steps：
(1) for the mode of transferring accounts by barcode scanning acquisition reciprocal account, then offline wallet or online wallet are selected by the other user And generate its address Quick Response Code；For providing the payment mode that code is settled accounts by other side's barcode scanning, then the payment two of online wallet is generated Tie up code；
The offline wallet is the privately owned block chain token wallet of user, stores the wallet public key and private key information of user, passes through User's offline electronic payment password is protected, and server can not learn private key for user information, and using offline wallet when needs payment one Fixed service charge and since the block chain transaction verification time can generate certain delay；It is temporarily stored into the online wallet for user Part token in server wallet, is managed by server, and user is used by online password, between online wallet Transaction be not required payment procedure expense and do not have time delay；
(2) described address Quick Response Code or payment Quick Response Code are parsed；
(3) information obtained according to parsing completes transfer process, is transferred accounts including the online wallet of user to reciprocal account, user Offline wallet is transferred accounts to reciprocal account, the online wallet of user is transferred accounts to offline wallet, the offline wallet of user is to online Wallet is transferred accounts or other side carries out five kinds of forms of gathering by scanning payment Quick Response Code.
2. block chain token method of payment according to claim 1, it is characterised in that：Generation is offline in the step (1) The detailed process of wallet or online wallet address Quick Response Code is：First, to write table after address information progress elliptic curve cryptography Show in the code transferred accounts, which includes transfer instructions code, address, address generated time, user information and the ground Location can be transferred number；Then, then to the code integrally it is encrypted using RSA Algorithm；Finally, using standard QR code generation side Method automatically generates encrypted code to obtain corresponding address Quick Response Code.
3. block chain token method of payment according to claim 1, it is characterised in that：Generation is online in the step (1) Wallet payment Quick Response Code detailed process be：First, online wallet address is obtained, if address is legal, which is adopted First layer encryption is carried out with elliptic curve；Then, the write-in of encrypted address is used in the code of payment, the code content bag Containing temporal information, location information, encrypted wallet address, paying party personal information and scanned number；If the code contains Justice is merchant service end authorized mistake, then Payment Amount can be directly inputted by businessman without user's checking identity information And confirmation；Finally, which is integrally encrypted using RSA Algorithm, and using standard QR code generating method to encrypted Code is automatically generated to obtain corresponding payment Quick Response Code.
4. block chain token method of payment according to claim 1, it is characterised in that：To address two in the step (2) Tieing up the detailed process that code is parsed is：First, address Quick Response Code is parsed according to QR standards analysis mode, obtained a string Encrypted information；Then, information is decrypted by predetermined way by client, obtains a string of address informations encrypted generation Code, and then corresponding operating is carried out according to code command, it is transferred the non-privacy information in account part including operation display interface, display And other operations related with transferring accounts；Wherein, resolver handles online wallet address according to the message length selection solved Online purse data processing module or the offline wallet address of processing the network interaction module interacted with outer net block chain, and by Corresponding module is decrypted, so as to ensure address information in transmission process all in confidential state.
5. block chain token method of payment according to claim 1, it is characterised in that：To payment two in the step (2) Tieing up the detailed process that code is parsed is：First, payment Quick Response Code is parsed according to QR standards analysis mode, obtained a string Encrypted information；Then, decrypted by client by predetermined way, obtain a string of online wallet address information encrypted generations Code, and then certain operation is carried out according to code command, including operation display interface, display is transferred the non-privacy in part of account Information requires other side to input Payment Amount and other operations related with transferring accounts.
6. block chain token method of payment according to claim 1, it is characterised in that：User is online in the step (3) The idiographic flow that wallet is transferred accounts to reciprocal account is as follows：
Step 1：Whether the wallet address for judging to obtain after decoding by the side of producing is legal address, and step 2 is performed if legal；If The rule feedback illegal error message in Quick Response Code address is not conformed to, that is, transferring accounts failure and performs step 11；
Step 2：The token quantity that the side's of producing input is transferred accounts, the page show the real-time exchange rate, after completing input, click on confirmation input gold Volume, and perform step 3；
Step 3：The side's of producing client background judges that wallet address is online wallet address or offline wallet address, if online Wallet address then performs step 4, and step 6 is then performed if offline wallet address；
Step 4：The side of producing carries out authentication by Input Online payment cipher or fingerprint, if authentication is by performing step Rapid 5；If not by performing step 11；
Step 5：Internal data processing is carried out to server wallet by server, according to the online wallet of the side of producing and the side of being transferred to Location information carries out the processing operation of balance data, specifically includes the online wallet balances in the side of producing and reduces, reduces the amount of money equal to transaction The amount of money, the online wallet balances in the side of being transferred to increase, increase the amount of money equal to transaction amount, then perform step 10；
Step 6：The side of producing carries out authentication by Input Online password or fingerprint, if authentication is by performing step 7； If not by performing step 11；
Step 7：The online wallet balances in the reduction side of producing, the reduction amount of money add transaction procedure expense, the increase side of being transferred to exist for transaction amount Line wallet balances, the increase amount of money are transaction amount, and then set this two amount of money upset conditions to be undetermined, and perform step 8；
Step 8：Server wallet signature is recalled by server to be verified and broadcast Transaction Information, is server wallet to being transferred to The offline wallet in side initiates transaction；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 9, otherwise instead Step 8 is performed again；
Step 9：The amount of money state of the online wallet reduction in the side of producing and the side of being transferred to offline the increased amount of money state of wallet by undetermined Become confirming, perform step 10；
Step 10：It merchandises successfully, the side's of producing user end to server sends successful relevant information of transferring accounts, encoded including transaction, Time, place, the side's of producing personal information, the side's of being transferred to personal information, verification mode and transfer amounts, these information will be stored in In the database of server, easy-to-look-up transaction record is cleared, and then terminates flow；
Step 11：Fail Transaction, the transmission of the side's of producing client are transferred accounts failure information, including transaction coding, the time, Place, the side's of producing personal information, the side's of being transferred to personal information, failure cause and the frequency of failure, these information will be stored in service In the database of device, easy-to-look-up Fail Transaction record carries out malicious act analysis, and then terminates flow.
7. block chain token method of payment according to claim 1, it is characterised in that：User is offline in the step (3) The idiographic flow that wallet is transferred accounts to reciprocal account is as follows：
Step 1：Whether the wallet address for judging to obtain after decoding by the side of producing is legal address, and step 2 is performed if legal；If The rule feedback illegal error message in Quick Response Code address is not conformed to, that is, transferring accounts failure and performs step 13；
Step 2：The token quantity that the side's of producing input is transferred accounts, the page show the real-time exchange rate, after completing input, click on confirmation input gold Volume, and perform step 3；
Step 3：The side's of producing client background judges that wallet address is online wallet address or offline wallet address, if online Wallet address then performs step 4, and step 8 is then performed if offline wallet address；
Step 4：The side of producing carries out authentication by inputting offline electronic payment password or fingerprint, if authentication is by performing step Rapid 5；If not by performing step 13；
Step 5：The offline wallet balances in the reduction side of producing, the reduction amount of money add transaction procedure expense, the increase side of being transferred to exist for transaction amount Line wallet balances, the increase amount of money are transaction amount, and then set this two amount of money upset conditions to be undetermined, and perform step 6；
Step 6：It recalls the offline wallet in the side of producing to sign and broadcast Transaction Information, be sent out for the offline wallet in the side of producing to server wallet Play transaction；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 7, otherwise perform step 6 repeatedly；
Step 7：The amount of money state of the offline wallet reduction in the side of producing and the side of being transferred to online the increased amount of money state of wallet by undetermined Become confirming, perform step 12；
Step 8：The side of producing carries out authentication by inputting offline electronic payment password or fingerprint, if authentication is by performing step Rapid 9；If not by performing step 13；
Step 9：The offline wallet balances in the reduction side of producing, reduce the amount of money for transaction amount add transaction procedure expense, increase the side of being transferred to from Line wallet balances, the increase amount of money are transaction amount, and then set this two amount of money upset conditions to be undetermined, and perform step 10；
Step 10：Server wallet signature is recalled by server to be verified and broadcast Transaction Information, for the offline wallet in the side of producing Transaction is initiated to the offline wallet in the side of being transferred to；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 11, step 10 is otherwise performed repeatedly；
Step 11：The amount of money state of the offline wallet reduction in the side of producing and the side of being transferred to offline the increased amount of money state of wallet by undetermined Become confirming, perform step 12；
Step 12：It merchandises successfully, the side's of producing user end to server sends successful relevant information of transferring accounts, encoded including transaction, Time, place, the side's of producing personal information, the side's of being transferred to personal information, verification mode and transfer amounts, these information will be stored in In the database of server, easy-to-look-up transaction record is cleared, and then terminates flow；
Step 13：Fail Transaction, the transmission of the side's of producing client are transferred accounts failure information, including transaction coding, the time, Place, the side's of producing personal information, the side's of being transferred to personal information, failure cause and the frequency of failure, these information will be stored in service In the database of device, easy-to-look-up Fail Transaction record carries out malicious act analysis, and then terminates flow.
8. block chain token method of payment according to claim 1, it is characterised in that：User is online in the step (3) The idiographic flow that wallet is transferred accounts to offline wallet is as follows：
Step 1：User inputs transfer amounts, and client judges whether transfer amounts are less than online wallet balances, if being less than, holds Otherwise row step 2 prompts online wallet balances deficiency, it is desirable that re-enter transfer amounts；
Step 2：User carries out authentication by Input Online payment cipher or fingerprint, if being verified, performs step 4；If Not by performing step 3；
Step 3：Subscription client sends failure information of transferring accounts to server, including transaction number, time, place, individual subscriber Information, transfer amounts, verification mode and the continuous frequency of failure of mistake, these information will be stored in the database of server, side Just search Fail Transaction record and carry out malicious act analysis, and then terminate flow；
Step 4：Increase the offline wallet balances of user, increase the amount of money as transfer amounts subtract transaction procedure expense, to reduce user online Wallet balances, the reduction amount of money are transfer amounts, and then set this two amount of money upset conditions to be undetermined, and perform step 5；
Step 5：Server wallet signature is recalled by server to be verified and broadcast Transaction Information, is server wallet to user Offline wallet initiates transaction；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 6, otherwise repeatedly Perform step 5；
Step 6：The amount of money state of the increased amount of money state of the offline wallet of user and the online wallet reduction of user is become from undetermined Confirm, and then subscription client sends successful relevant information of transferring accounts to server, including transaction coding, time, place, user Personal information, verification mode and transfer amounts, these information will be stored in the database of server, easy-to-look-up transaction note Record is cleared, and then terminates flow.
9. block chain token method of payment according to claim 1, it is characterised in that：User is offline in the step (3) The idiographic flow that wallet is transferred accounts to online wallet is as follows：
Step 1：User inputs transfer amounts, and client judges whether transfer amounts are less than offline wallet balances, if being less than, holds Otherwise row step 2 prompts offline wallet balances deficiency, it is desirable that re-enter transfer amounts；
Step 2：User carries out authentication by inputting offline electronic payment password or fingerprint, if being verified, performs step 4；If Not by performing step 3；
Step 3：Subscription client sends failure information of transferring accounts to server, including transaction number, time, place, individual subscriber Information, transfer amounts, verification mode and the continuous frequency of failure of mistake, these information will be stored in the database of server, side Just search Fail Transaction record and carry out malicious act analysis, and then terminate flow；
Step 4：Increase the online wallet balances of user, increase the amount of money as transfer amounts subtract transaction procedure expense, to reduce user offline Wallet balances, the reduction amount of money are transfer amounts, and then set this two amount of money upset conditions to be undetermined, and perform step 5；
Step 5：It recalls the offline wallet of user to sign and broadcast Transaction Information, is that the offline wallet of user initiates to hand over to server wallet Easily；It is identified etc. to be transacted, if the transaction is identified and writes block, performs step 6, otherwise perform step 5 repeatedly；
Step 6：The amount of money state and the increased amount of money state of the online wallet of user of the offline wallet reduction of user are become from undetermined Confirm, and then subscription client sends successful relevant information of transferring accounts to server, including transaction coding, time, place, user Personal information, verification mode and transfer amounts, these information will be stored in the database of server, easy-to-look-up transaction note Record is cleared, and then terminates flow.
10. block chain token method of payment according to claim 1, it is characterised in that：Other side passes through in the step (3) The idiographic flow that scanning payment Quick Response Code is collected money is as follows：
Step 1：Subscription client backstage obtains current time, current location, online wallet balances and wallet address information, raw Into online wallet payment Quick Response Code；
Step 2：Other side scans the online wallet payment Quick Response Code of user, and Quick Response Code generated time, generation ground are obtained by decoding Point, wallet balances and wallet address information perform step 3；
Step 3：Judge to pay the bill Quick Response Code generated time and usage time whether in effective time interval, judge payment two dimension Code generation place whether near scanner location, judge payment Quick Response Code whether do not update also and paid not successfully, more than If three conditions have one otherwise to perform step 4, other situations perform step 5；
Step 4：Other side's user end to server sends failure information of transferring accounts, including transaction number, time, place, individual subscriber Information, other side's personal information, transfer amounts, verification mode and the continuous frequency of failure of mistake, these information will be stored in server Database in, easy-to-look-up Fail Transaction record carries out malicious act analysis, and then terminates flow；
Step 5：Other side inputs Payment Amount, judges whether Payment Amount is less than the online wallet balances of user by client, if small In, then perform step 6, otherwise perform step 4；
Step 6：The current payment Quick Response Code state of change increases the online wallet balances of other side, increases the amount of money as payment to have paid The amount of money, the online wallet balances of reduction user, the reduction amount of money are all Payment Amount；And then it is sent and paid by other side's user end to server The successful relevant information of money, including transaction coding, the time, place, userspersonal information, other side's personal information, verification mode with And Payment Amount, these information will be stored in the database of server, easy-to-look-up transaction record is cleared, and then is terminated Flow.
CN201711106295.0A 2017-11-10 2017-11-10 Block chain token method of payment based on credible two-dimension code Pending CN108090761A (en)

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CN109981650A (en) * 2019-03-27 2019-07-05 互链云网(北京)科技有限公司 Lead to the transfer method and system of card in block chain
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CN109741800A (en) * 2018-12-20 2019-05-10 李秦豫 The method for security protection of medical data intranet and extranet interaction based on block chain technology
CN109886676A (en) * 2018-12-25 2019-06-14 上海点融信息科技有限责任公司 Method of payment, calculating equipment, storage medium for block chain network
CN111401672B (en) * 2019-01-02 2023-11-28 中国移动通信有限公司研究院 Block chain-based validity verification method, device and system
CN111401672A (en) * 2019-01-02 2020-07-10 中国移动通信有限公司研究院 Block chain based validity checking method, equipment and system
CN109981650A (en) * 2019-03-27 2019-07-05 互链云网(北京)科技有限公司 Lead to the transfer method and system of card in block chain
CN110009332A (en) * 2019-03-28 2019-07-12 上海恺英网络科技有限公司 Assets transfer method and apparatus
CN110097346A (en) * 2019-04-18 2019-08-06 杭州宇链科技有限公司 A kind of means of payment and device based on block chain
CN110930147B (en) * 2019-11-01 2021-12-03 北京三快在线科技有限公司 Offline payment method and device, electronic equipment and computer-readable storage medium
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CN111027947A (en) * 2019-12-06 2020-04-17 湖北文理学院 UTXO wallet selection method, UTXO wallet selection equipment, UTXO wallet storage medium and UTXO wallet selection device
CN111027947B (en) * 2019-12-06 2023-09-19 湖北文理学院 UTXO wallet selection method, device, storage medium and device
CN111127003A (en) * 2019-12-23 2020-05-08 杭州复杂美科技有限公司 Wallet account payment method, device and storage medium
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CN112837052A (en) * 2020-11-05 2021-05-25 银联国际有限公司 Data processing method based on two-dimensional code main scanning mode and mobile terminal
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Application publication date: 20180529