CN108460593B - Offline two-dimensional code payment method and device - Google Patents
Offline two-dimensional code payment method and device Download PDFInfo
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- CN108460593B CN108460593B CN201810263358.1A CN201810263358A CN108460593B CN 108460593 B CN108460593 B CN 108460593B CN 201810263358 A CN201810263358 A CN 201810263358A CN 108460593 B CN108460593 B CN 108460593B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- 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
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- G06Q20/4037—Remote solvency checks
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Abstract
The invention discloses an off-line two-dimensional code payment method and device, wherein the method comprises the following steps: the mobile terminal client sends a two-dimensional code payment opening request to the payment service network terminal; the payment service network side searches a credit record of the mobile terminal according to a two-dimensional code payment opening request sent by a mobile terminal client side, and judges whether the mobile terminal is credible or not according to the searched credit record; the payment service network terminal generates a credit certificate file for proving the credibility of the mobile terminal according to the credibility judgment of the mobile terminal and sends the credit certificate file to the mobile terminal client; the mobile terminal client generates a two-dimensional code containing credit certificate file information by using the received credit certificate file; and when the mobile terminal client performs off-line payment, the charging end performs corresponding payment operation according to the two-dimensional code containing the credit certificate file information provided by the mobile terminal client.
Description
Technical Field
The invention relates to the technical field of two-dimension code payment, in particular to an off-line two-dimension code payment method and device.
Background
Two-dimensional code payment is a wireless payment scheme based on account system. When the consumption is settled, the mobile phone is shown, and the merchant can scan the two-dimensional bar code displayed on the mobile phone of the user by using a scanning gun, the mobile phone or special equipment to initiate cash collection. The technology is widely applied to consumption places such as convenience stores, shops, restaurants and the like.
The two-dimension code payment technology widely used at present requires real-time network connection, a user mobile phone and a merchant code scanning device are connected with the internet, and a merchant system transmits two-dimension code information acquired by code scanning to a payment mechanism system to realize payment.
The chinese patent application with publication number CN106875179A discloses an offline two-dimensional code payment technology, which includes that a payer generates a payment two-dimensional code containing a signature and payment information, a collection device checks the signature information, stores the two-dimensional code that is successfully checked, and performs corresponding deduction operation according to the payment information under the networking condition. The signature of the patent application is a result of a payer encrypting identity information by using a private key, and no payment service mechanism provides credit guarantee for the payer, so that two-dimensional code payment can be completed only by interacting with a payment service network end under the condition of networking of collection equipment.
Disclosure of Invention
The invention aims to provide an offline two-dimensional code payment method and device supporting offline two-dimensional code transaction.
According to a first aspect of the invention, an offline two-dimensional code payment method of the invention comprises the following steps:
a mobile terminal payment client (hereinafter referred to as a mobile terminal client) sends a two-dimensional code payment opening request to a payment service network end;
the payment service network side searches a credit record of the mobile terminal according to a two-dimensional code payment opening request sent by a mobile terminal client side, and judges whether the mobile terminal is credible or not according to the searched credit record;
the payment service network terminal generates a credit certificate file for proving the credibility of the mobile terminal according to the credibility judgment of the mobile terminal and sends the credit certificate file to the mobile terminal client;
the mobile terminal client generates a two-dimensional code containing credit certificate file information by using the received credit certificate file;
and when the mobile terminal client performs off-line payment, the charging end performs corresponding payment operation according to the two-dimensional code containing the credit certificate file information provided by the mobile terminal client.
The off-line two-dimensional code payment method further comprises the step that after the payment service network terminal generates the credit certificate file, verification information used for verifying the credit certificate file is sent to the charging terminal.
Preferably, the charging terminal performing a corresponding payment operation according to the two-dimensional code provided by the mobile terminal client and containing the credit certificate file information includes: the charging terminal identifies and analyzes the two-dimensional code provided by the mobile terminal client by using the verification information to verify the two-dimensional code; after the two-dimension code is successfully verified, the charging terminal generates and stores consumption data to complete two-dimension code payment; and when the charging terminal is networked, the stored consumption data is transmitted to the payment service network terminal so as to be convenient for the charging terminal to execute deduction operation.
Preferably, the step of searching the credit record of the mobile terminal by the payment service network terminal according to the two-dimensional code payment opening request sent by the mobile terminal client, and judging whether the mobile terminal is trusted according to the searched credit record comprises the steps of: after a payment service mechanism background with a payment function at a payment service network end receives a two-dimensional code payment opening request of a mobile terminal client belonging to a payment service mechanism APP, searching a credit record of the mobile terminal, which can be paid currently, from a database of the payment service mechanism background; if the found credit record can ensure that the user of the mobile terminal can carry out effective payment, the payment service mechanism background judges that the mobile terminal is credible; otherwise, judging that the mobile terminal does not reach the credible standard currently.
Preferably, the step of generating, by the payment service network side according to the judgment that the mobile terminal is trusted, a credit certificate file for certifying that the mobile terminal is trusted, and sending the credit certificate file to the mobile terminal client includes: after the background of the payment service organization judges that the mobile terminal is credible, generating a public and private key pair of the mobile terminal, and sending a public key certificate issuing request containing a public key of the public and private key pair to a two-dimensional code payment application system of a payment service network end; and after receiving the public key certificate signed by the two-dimensional code payment application system responding to the public key certificate signing request, the payment service agency background sends the public key certificate and the private key of the public and private key pair to the mobile terminal client.
Preferably, the verification information for verifying the credit certificate file is the public key information, and the two-dimensional code payment application system sends the public key information to the charging terminal.
Preferably, the mobile terminal client encrypts the public key certificate by using the private key and inputs an encryption result into the two-dimensional code generator to generate the two-dimensional code.
Preferably, the charging terminal reads and analyzes the two-dimensional code provided by the mobile terminal client by using the verification information, and the verification of the two-dimensional code includes: the charging terminal reads the two-dimension code to obtain two-dimension code information; the charging end decrypts the obtained two-dimensional code information by using public key information from the two-dimensional code payment application system; the charging terminal judges whether the decrypted two-dimensional code has a public key certificate or not; and if the two-dimension code is judged to have the public key certificate, the two-dimension code is successfully verified.
According to a second aspect of the present invention, an offline two-dimensional code payment method apparatus of the present invention includes:
a mobile terminal client acting as a payer;
a payment service network terminal for providing payment credit for the mobile terminal client; and
the charging end can be connected with the payment service network end after payment is finished;
the mobile terminal client, the payment service network terminal and the charging terminal are used for executing the following operations:
the mobile terminal client sends a two-dimensional code payment opening request to the payment service network terminal;
the payment service network side searches a credit record of the mobile terminal according to a two-dimensional code payment opening request sent by a mobile terminal client side, and judges whether the mobile terminal is credible or not according to the searched credit record;
the payment service network terminal generates a credit certificate file for proving the credibility of the mobile terminal according to the credibility judgment of the mobile terminal and sends the credit certificate file to the mobile terminal client;
the mobile terminal client generates a two-dimensional code containing credit certificate file information by using the received credit certificate file;
and when the mobile terminal client performs off-line payment, the charging end performs corresponding payment operation according to the two-dimensional code containing the credit certificate file information provided by the mobile terminal client.
Preferably, after the payment service network side generates the credit certificate file, the verification information for verifying the credit certificate file is sent to the charging side; and the charging terminal identifies and analyzes the two-dimensional code provided by the mobile terminal client by using the verification information to verify the two-dimensional code.
Compared with the prior art, the beneficial technical effects of the invention comprise:
1. the mobile phone APP generates two-dimensional code data through a locally stored public key certificate and a corresponding private key, and the dependence on a network communication function is not needed in the period.
2. The code mechanism acceptance terminal reads and analyzes the two-dimensional code data according to the pre-written public key without depending on the network communication function.
3. The two-dimension code content is protected by double encryption of a public key certificate and a private key given by a payment service organization, and safety is guaranteed.
4. The acceptance terminal can prompt the successful consumption after the two-dimensional code is successfully read and analyzed, does not need to wait for network data communication, improves the payment efficiency, and is extremely suitable for a small-amount high-frequency payment scene.
5. The mode supporting the offline payment can be suitable for merchants with higher network security requirements and the internet connection incapability.
The present invention will be described in detail with reference to the accompanying drawings.
Drawings
Fig. 1 is a schematic view of an offline two-dimensional code payment device supporting an offline two-dimensional code transaction technology according to the present invention;
fig. 2 is a schematic diagram of an embodiment of an offline two-dimensional code payment device supporting the offline two-dimensional code transaction technology according to the invention;
fig. 3 is a schematic diagram of an offline two-dimensional code payment method supporting the offline two-dimensional code transaction technology according to the present invention.
Detailed Description
Fig. 1 shows an offline two-dimensional code payment apparatus supporting offline two-dimensional code transaction technology according to the present invention, and as shown in the figure, the offline two-dimensional code payment apparatus according to the present invention includes: a mobile terminal client acting as a payer; a payment service network terminal for providing payment credit for the mobile terminal client; and the charging end can be connected with the payment service network end after payment is completed.
The mobile terminal client, the payment service network side and the charging side shown in fig. 1 are configured to perform the following operations:
the mobile terminal client 1 sends a two-dimensional code payment opening request to the payment service network terminal 2;
the payment service network terminal 2 searches a credit record of the mobile terminal according to a two-dimensional code payment opening request sent by the mobile terminal client 3, and judges whether the mobile terminal is credible according to the searched credit record;
the payment service network terminal 2 generates a credit certificate file for proving the credibility of the mobile terminal according to the credibility judgment of the mobile terminal, and sends the credit certificate file to the mobile terminal client 1;
the mobile terminal client 1 generates a two-dimensional code containing credit certificate file information by using the received credit certificate file;
when the mobile terminal client 1 carries out off-line payment, the charging terminal 3 carries out corresponding payment operation according to the two-dimensional code containing the credit certificate file information provided by the mobile terminal client.
The mobile terminal client 1 and the client 3 can access the payment service network terminal 2 through a mobile communication network or a wireless access point or a wireless local area network so as to complete the above operation.
Fig. 2 shows an embodiment of the offline two-dimensional code payment apparatus supporting the offline two-dimensional code transaction technology, and as shown in fig. 2, the payment service network 2 of the present invention includes a payment service mechanism background for completing the network payment transaction and a two-dimensional code payment application system for providing payment credit. The charging terminal 3 comprises an acceptance terminal and an acceptance terminal background. The mobile terminal client 1 belongs to the payment service APP of the payment transaction, i.e. the application of the payment service downloaded from the payment service.
Fig. 3 shows an offline two-dimensional code payment method supporting the offline two-dimensional code transaction technology, and as shown in fig. 3, the offline two-dimensional code payment method of the invention includes:
the mobile terminal client 1 sends a two-dimensional code payment opening request to the payment service network terminal 2;
the payment service network end 2 searches a credit record of the mobile terminal according to a two-dimensional code payment opening request sent by a mobile terminal client, and judges whether the mobile terminal is credible or not according to the searched credit record;
the payment service network terminal 2 generates a credit certificate file for proving the credibility of the mobile terminal according to the credibility judgment of the mobile terminal, and sends the credit certificate file to the mobile terminal client 1;
the mobile terminal client 1 generates a two-dimensional code containing credit certificate file information by using the received credit certificate file;
when the mobile terminal client 1 carries out off-line payment, the charging terminal 3 carries out corresponding payment operation according to the two-dimensional code containing the credit certificate file information provided by the mobile terminal client.
After the payment service network end 2 generates the credit certificate file, the verification information for verifying the credit certificate file is also sent to the charging end. The charging terminal 3 can conveniently read and analyze the two-dimensional code provided by the mobile terminal client by using the verification information to complete the verification of the two-dimensional code; and after the two-dimension code is successfully verified, the charging terminal 3 generates and stores consumption data to complete off-line two-dimension code payment.
After the off-line two-dimensional code payment is completed, once the charging terminal 2 is networked, the charging terminal 2 transmits the saved consumption data to the payment service network terminal 3 so that the payment service network terminal can execute a deduction operation.
Specifically, after a payment service mechanism background with a payment function of the payment service network 2 receives a two-dimensional code payment opening request of a mobile terminal client belonging to the payment service mechanism APP, a credit record of the mobile terminal, which can be currently paid, is searched from a database of the payment service mechanism APP, and a deposit condition of the mobile terminal is generally inquired by using a telephone number of the mobile terminal; if the found credit record can ensure that the user of the mobile terminal can carry out effective payment, the payment service mechanism background judges that the mobile terminal is credible; otherwise, judging that the mobile terminal does not reach the credible standard currently.
After judging that the mobile terminal is credible, a payment service organization background generates a public and private key pair of the mobile terminal and sends a public key certificate signing request containing a public key of the public and private key pair to a two-dimensional code payment application system of a payment service network end; and after receiving the public key certificate issuing request, the two-dimensional code payment application system generates a public key certificate of the public key and sends the generated public key certificate to the payment service institution background. And after receiving the public key certificate signed by the two-dimensional code payment application system responding to the public key certificate signing request, the payment service agency background sends the public key certificate and the private key of the public and private key pair to the mobile terminal client 1.
In addition, the two-dimensional code payment application system also sends the public key in the public and private key pair to the charging terminal so that the charging terminal can verify the two-dimensional code generated by the mobile terminal client under an offline condition.
The mobile terminal client 1 generates the two-dimensional code by encrypting the public key certificate with a private key and inputting the encryption result into a two-dimensional code generator.
When the mobile terminal client 1 carries out off-line two-dimensional code payment, the acceptance terminal of the charging terminal scans, reads and processes the two-dimensional code generated by the mobile terminal client 1 off-line to obtain two-dimensional code information; then, the charging end decrypts the obtained two-dimensional code information by using a public key from the two-dimensional code payment application system, and judges whether the decrypted two-dimensional code has a public key certificate or not; if the two-dimension code is judged to have the public key certificate, the two-dimension code is successfully verified, and the two-dimension code which is successfully verified is stored in a background of the acceptance terminal.
In summary, the main functions of the two-dimension code payment supporting the off-line two-dimension code transaction of the invention include certificate issuance, terminal background data synchronization acceptance, and two-dimension code consumption stream water delivery to the payment service mechanism background.
According to the invention, the payment service mechanism background applies for building a user to the two-dimensional code payment application system according to the opening request of the APP payment two-dimensional code under the payment service mechanism background, and the payment two-dimensional code function of the user is opened after the user is built. The concrete implementation is as follows: 1) and generating a public and private key pair, and performing public key authentication and authorization on the two-dimensional code payment application system. 2) And receiving the two-dimension code consumption deduction running water sent by the two-dimension code payment application system, and carrying out deduction operation. 3) And sending a deduction success notice to the APP user below.
The two-dimensional code payment application system is in butt joint with the payment service mechanism background and the acceptance terminal background, issues a public key certificate for the payment service mechanism background, and sends consumption deduction data sent from the acceptance terminal background to the payment service mechanism background. The concrete implementation is as follows: 1) and receiving a user establishing request of the payment service mechanism background, and returning a user establishing processing result to the service system of the payment service mechanism. 2) The two-dimension code payment application system signs and issues the public key related information sent by the payment service mechanism background, and returns the signed certificate to the payment service mechanism background. 3) And receiving the consumption deduction data processed into a standard format and sent by the background of the acceptance terminal. 4) And sending the consumption deduction flow under the payment service mechanism to a background of the payment service mechanism.
The acceptance terminal is terminal equipment for two-dimension code consumption deduction, and can identify the two-dimension code generated by the payment service mechanism APP for deduction and collect consumption deduction data to a background. The concrete implementation is as follows: 1) and identifying the two-dimensional code generated by the payment service mechanism APP, and storing and releasing the consumption data after successful identification. 2) And transmitting consumption deduction data to a background of the acceptance terminal.
The background of the acceptance terminal collects the consumption deduction data of each machine and tool, converts the consumption deduction data into a standard format, and sends the standard format to the two-dimensional code payment application system for uniform deduction. The concrete implementation is as follows: 1) and receiving the consumption deduction data sent by the acceptance terminal. 2) And processing the consumption deduction data into a standard format and then uploading the standard format to the two-dimensional code payment application system.
The invention is further illustrated below with reference to specific application examples.
Application example one: public transport trip
1. The user operates the payment service mechanism APP to generate a bus trip two-dimensional code and holds the bus on the two-dimensional code.
2. The bus acceptance terminal reads the two-dimensional code and prompts success, and a bus can be taken.
3. And the acceptance terminal uploads the two-dimension code consumption information of the acceptance terminal to the background.
4. And the acceptance terminal background processes the two-dimension code consumption data into a standard format.
5. And uploading consumption deduction data to the two-dimensional code payment application system by the acceptance terminal background.
6. And the two-dimension code payment application system uploads the two-dimension code consumption deduction running water to the payment service mechanism background.
7. The payment service mechanism processes the consumption deduction and sends a deduction success notice to the user.
Application example two: public service payment
1. When a user transacts public payment service and needs to pay, the user operates the payment service mechanism APP to generate a payment two-dimensional code, and a toll collector scans the code to pay by holding the two-dimensional code.
2. The acceptance terminal reads the two-dimensional code and prompts success, and subsequent services can be handled.
3. And the acceptance terminal uploads the two-dimension code consumption information of the acceptance terminal to the background.
4. And the acceptance terminal background processes the two-dimension code consumption data into a standard format.
5. And uploading the consumption deduction data to the two-dimensional code payment application system by the acceptance terminal background.
6. And the two-dimension code payment application system uploads the two-dimension code consumption deduction running water to the payment service mechanism background.
7. The payment service mechanism processes the consumption deduction and sends a deduction success notice to the user.
Application example three: medical payment
1. When the user goes to the charging window at the consulting room and pays the medical fee, the payment service mechanism APP is operated to generate the payment two-dimensional code, and the window charging personnel scans the code to pay the fee.
2. The acceptance terminal reads the two-dimensional code and prompts success, and subsequent medical affairs can be carried out.
3. And the acceptance terminal uploads the two-dimension code consumption information of the acceptance terminal to the background.
4. And the acceptance terminal background processes the two-dimension code consumption data into a standard format.
5. And uploading consumption deduction data to the two-dimensional code payment application system by the acceptance terminal background.
6. And the two-dimension code payment application system uploads the two-dimension code consumption deduction running water to the payment service mechanism background.
7. The payment service mechanism processes the consumption deduction and sends a deduction success notice to the user.
In summary, the technical effects of the present invention include: the mobile phone APP generates the two-dimensional code data through the locally stored public key certificate and the corresponding private key, and the dependence on a network communication function is not needed in the period. And the code mechanism acceptance terminal reads and analyzes the two-dimensional code data according to the pre-filled public key without depending on a network communication function. The two-dimension code content is protected by double encryption of a public key certificate and a private key given by a payment service organization, and safety is guaranteed. The accepting terminal can prompt the successful consumption after the two-dimensional code is successfully read and analyzed, does not need to wait for network data communication, improves the payment efficiency, and is extremely suitable for a small-amount high-frequency payment scene. The mode supporting the off-line payment can adapt to merchants with higher network security requirements and incapability of connecting with the Internet in real time.
Although the present invention has been described in detail, the present invention is not limited thereto, and those skilled in the art can make various modifications according to the principle of the present invention. Thus, modifications made in accordance with the principles of the present invention should be understood to fall within the scope of the present invention.
Claims (10)
1. An offline two-dimensional code payment method comprises the following steps:
the mobile terminal client serving as a payer sends a two-dimensional code payment opening request to a payment service mechanism background with a payment function of a payment service network side;
the payment service mechanism background with the payment function searches the current credit record of the mobile terminal according to a two-dimensional code payment opening request sent by a mobile terminal client, and judges whether the mobile terminal is credible or not according to the searched credit record;
after the background of the payment service organization with the payment function judges that the mobile terminal is credible, generating a public and private key pair of the mobile terminal, and sending a public key certificate issuing request containing a public key of the public and private key pair to a two-dimensional code payment application system of a payment service network end;
the two-dimensional code payment application system generates a public key certificate of the public key after receiving a public key certificate signing request, and sends the generated public key certificate to a payment service mechanism background;
after receiving a public key certificate signed by the two-dimensional code payment application system responding to the public key certificate signing request, the payment service mechanism background with the payment function sends the public key certificate and a private key of the public and private key pair to the mobile terminal client;
the mobile terminal client generates a two-dimensional code containing public key certificate information by using the received public key certificate and the private key;
when the mobile terminal client side carries out off-line payment, the charging side reads and analyzes the two-dimensional code containing the public key certificate information provided by the mobile terminal client side through a public key from the two-dimensional code payment application system, and verifies the two-dimensional code containing the public key certificate information;
after the two-dimensional code containing the public key certificate information is successfully verified, the charging terminal completes the payment of the two-dimensional code by generating and storing consumption data; and
and the charging end transmits the saved consumption data to the payment service network end through networking so that the payment service network end executes deduction operation.
2. The offline two-dimensional code payment method according to claim 1, further comprising sending the public key to a charging end after the two-dimensional code payment application system of the payment service network end generates the public key certificate.
3. The off-line two-dimensional code payment method according to claim 1 or 2, wherein if the credit record searched by the payment service mechanism background with payment function at the payment service network end can ensure that the user of the mobile terminal can make effective payment, the payment service mechanism background judges that the mobile terminal is trusted; otherwise, judging that the mobile terminal does not reach the credible standard currently.
4. The offline two-dimensional code payment method according to claim 3, wherein the generating, by the mobile terminal client, the two-dimensional code containing the public key certificate information by using the received public key certificate and the private key comprises: the mobile terminal client encrypts the public key certificate by using a private key from a payment service mechanism background with a payment function to obtain an encryption result;
and the mobile terminal client inputs the encryption result into the two-dimensional code generator to generate the two-dimensional code.
5. The off-line two-dimensional code payment method of claim 4, wherein the charging terminal identifies and analyzes the two-dimensional code provided by the mobile terminal client by using a public key from the two-dimensional code payment application system, and the verification of the two-dimensional code comprises the following steps:
the acceptance terminal of the charging terminal scans, reads and processes the two-dimensional code generated by the mobile terminal client off-line to obtain two-dimensional code information;
then the charging terminal decrypts the obtained two-dimension code information by using a public key from the two-dimension code payment application system, and judges whether the decrypted two-dimension code has a public key certificate or not;
and if the two-dimension code is judged to have the public key certificate, the two-dimension code is successfully verified, and the successfully verified two-dimension code is stored in a background of the acceptance terminal.
6. An offline two-dimensional code payment device, comprising:
a mobile terminal client acting as a payer;
the payment service network terminal comprises a payment service mechanism background with a payment function and a two-dimensional code payment application system, and is used for providing payment credit for the mobile terminal client; and
connecting a charging end of the payment service network end after payment is completed;
the mobile terminal client, the payment service network terminal and the charging terminal are used for executing the following operations:
the mobile terminal client serving as a payer sends a two-dimensional code payment opening request to a payment service mechanism background with a payment function of a payment service network side;
the background of the payment service mechanism with the payment function searches the current credit record of the mobile terminal according to a two-dimensional code payment opening request sent by a client of the mobile terminal, and judges whether the mobile terminal is credible according to the searched credit record;
after judging that the mobile terminal is trusted, the payment service mechanism background with the payment function generates a public and private key pair of the mobile terminal and sends a public key certificate signing and issuing request containing a public key of the public and private key pair to a two-dimensional code payment application system of a payment service network end;
the two-dimensional code payment application system generates a public key certificate of the public key after receiving a public key certificate issuing request, and sends the generated public key certificate to a payment service mechanism background;
after receiving a public key certificate signed by the two-dimensional code payment application system responding to the public key certificate signing request, the payment service mechanism background with the payment function sends the public key certificate and a private key of the public and private key pair to the mobile terminal client;
the mobile terminal client generates a two-dimensional code containing public key certificate information by using the received public key certificate and the private key;
when the mobile terminal client side carries out off-line payment, the charging side reads and analyzes the two-dimensional code containing the public key certificate information provided by the mobile terminal client side through a public key from the two-dimensional code payment application system, and verifies the two-dimensional code containing the public key certificate information;
after the two-dimensional code containing the public key certificate information is successfully verified, the charging terminal completes the payment of the two-dimensional code by generating and storing consumption data; and
and the charging end transmits the stored consumption data to the payment service network end through networking, so that the payment service network end executes a deduction operation public key certificate.
7. The off-line two-dimensional code payment device of claim 6, wherein the two-dimensional code payment application system of the payment service network side generates the public key certificate and then sends the public key to the charging side.
8. The offline two-dimensional code payment device according to claim 6, wherein if a credit record searched by a payment service mechanism background with a payment function at a payment service network end can ensure that a user of the mobile terminal can make effective payment, the payment service mechanism background judges that the mobile terminal is trusted; otherwise, judging that the mobile terminal does not reach the credible standard currently.
9. The offline two-dimensional code payment device according to claim 6, 7 or 8, wherein the generating, by the mobile terminal client, the two-dimensional code containing public key certificate information by using the received public key certificate and private key comprises:
the mobile terminal client encrypts the public key certificate by using a private key from a payment service mechanism background with a payment function to obtain an encryption result;
and the mobile terminal client inputs the encryption result into the two-dimensional code generator to generate the two-dimensional code.
10. The off-line two-dimensional code payment device of claim 9, wherein the charging terminal recognizes and parses the two-dimensional code provided by the mobile terminal client by using a public key from the two-dimensional code payment application system, and the verifying the two-dimensional code comprises:
the acceptance terminal of the charging terminal scans, reads and processes the two-dimensional code generated by the mobile terminal client off-line to obtain two-dimensional code information;
then the charging terminal decrypts the obtained two-dimension code information by using a public key from the two-dimension code payment application system, and judges whether the decrypted two-dimension code has a public key certificate or not;
and if the two-dimension code is judged to have the public key certificate, the two-dimension code is successfully verified, and the successfully verified two-dimension code is stored in a background of the acceptance terminal.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711053243 | 2017-11-01 | ||
| CN2017110532431 | 2017-11-01 |
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| Publication Number | Publication Date |
|---|---|
| CN108460593A CN108460593A (en) | 2018-08-28 |
| CN108460593B true CN108460593B (en) | 2022-09-20 |
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| CN109523254B (en) * | 2018-11-29 | 2023-04-28 | 湖北云雷信息技术有限公司 | Multiple payment methods based on mobile phone APP through double offline code scanning |
| CN109993512A (en) * | 2019-04-10 | 2019-07-09 | 湖北随行易付网络科技有限公司 | It is a kind of without netting very fast small amount payment secured account system and method |
| CN110880106A (en) * | 2019-10-30 | 2020-03-13 | 支付宝(杭州)信息技术有限公司 | Method and device for realizing double offline payment |
| CN110992172B (en) * | 2019-12-04 | 2024-03-29 | 杭州复杂美科技有限公司 | Offline payment method, device and storage medium |
| CN112330323A (en) * | 2020-11-05 | 2021-02-05 | 建信金融科技有限责任公司 | Method for generating token seed and two-dimensional code, payment method and payment device |
| CN113327107A (en) * | 2020-12-31 | 2021-08-31 | 南京联创互联网技术有限公司 | Offline riding code application method based on local storage of mobile client |
| CN113850579A (en) * | 2021-09-27 | 2021-12-28 | 支付宝(杭州)信息技术有限公司 | Offline payment authorization, offline payment and collection method and device |
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| CN106875179B (en) * | 2017-02-03 | 2020-12-08 | 杭州小步科技有限公司 | Offline two-dimensional code payment method and system thereof |
| CN107194688A (en) * | 2017-05-16 | 2017-09-22 | 冯汉江 | In payment system and its method of the offline scenario based on Quick Response Code |
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| CN106133769A (en) * | 2014-03-26 | 2016-11-16 | 谷歌公司 | secure off-line payment system |
| CN105205664A (en) * | 2015-09-25 | 2015-12-30 | 中城智慧科技有限公司 | Novel offline payment method |
| CN107194694A (en) * | 2017-04-14 | 2017-09-22 | 广州羊城通有限公司 | A kind of off line method of payment based on Quick Response Code |
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