CN108520411B - Payment verification system - Google Patents
Payment verification system Download PDFInfo
- Publication number
- CN108520411B CN108520411B CN201810321344.0A CN201810321344A CN108520411B CN 108520411 B CN108520411 B CN 108520411B CN 201810321344 A CN201810321344 A CN 201810321344A CN 108520411 B CN108520411 B CN 108520411B
- Authority
- CN
- China
- Prior art keywords
- verification
- terminal
- key
- display
- pixel points
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Fee Related
Links
- 238000012795 verification Methods 0.000 title claims abstract description 81
- 239000000969 carrier Substances 0.000 claims abstract description 9
- 238000006243 chemical reaction Methods 0.000 claims description 3
- 238000000034 method Methods 0.000 abstract description 9
- 230000008569 process Effects 0.000 abstract description 2
- 230000006872 improvement Effects 0.000 description 4
- 230000000694 effects Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 238000012217 deletion Methods 0.000 description 1
- 230000037430 deletion Effects 0.000 description 1
- 230000006698 induction Effects 0.000 description 1
- 230000001788 irregular Effects 0.000 description 1
- 230000007246 mechanism Effects 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000006855 networking Effects 0.000 description 1
- 238000010248 power generation Methods 0.000 description 1
- 238000012546 transfer Methods 0.000 description 1
Images
Classifications
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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
Abstract
A payment verification system comprises a display terminal, a verification server and a verification terminal; image files are placed in the display terminal and the verification server to serve as key carriers; the display terminal can dynamically generate key pixel points on the surface of the key carrier through a program matched with the verification server, and the key pixel points are superposed on the image file and displayed by a display screen of the display terminal; the verification terminal can identify the display content of the display screen of the display terminal, and the verification server compares the display content with the display content to obtain the key pixel points, verifies the key, and realizes the payment release of the display terminal after the verification is successful. The display terminal only needs to give the verification terminal to display the key carrier image file overlapped with the key pixel points, the display terminal does not need to be networked or upload and download any information during verification, and the verification server can obtain the key pixel points from the content transmitted by the verification terminal to obtain key verification and realize payment passing. The display terminal has various carriers, long standby time and safe and reliable verification process.
Description
Technical Field
The invention relates to a verification system, in particular to a payment verification system, and belongs to the technical field of IPC classification G06.
Background
The payment system is composed of an intermediary institution providing payment clearing service and professional technical means for realizing payment instruction transmission and fund clearing, and is a financial arrangement for realizing debt and debt payment and fund transfer, which is sometimes called as clearing system.
At present, when payment is carried out, a payment carrier of a payment system comprises a magnetic stripe card and a mobile device (including bar code scanning, two-dimensional code scanning and NFC near field payment). Magnetic stripe cards have the potential to be copied and are therefore now upgraded to chip cards. When the code is scanned, the two-dimension code can be stolen, so that the code scanning tends to provide a dynamically-changed bar code by a mobile device or the two-dimension code is scanned more safely. And the near-field payment is more troublesome to use than code scanning, and the popularization range is limited.
In addition, the bank card needs to be carried by swiping the card, the code scanning and near-field payment all need to provide and carry mobile equipment, and the mobile equipment is more convenient to carry for the young people who advocate light travel at present, but the mobile equipment is limited by a battery and a network, so that at present, no more convenient payment carrier exists, the system or the method can be operated independently by separating from the network, and the system or the method has safety to achieve real convenience.
Disclosure of Invention
The invention aims to solve the defects of the existing payment system and provides a payment verification system which is lighter and more convenient and has security and can lead a payment carrier to be separated from a network.
The technical scheme for solving the problems of the invention is as follows:
a payment verification system, characterized by: comprises a display terminal, a verification server and a verification terminal;
image files with the same attribute are placed in the display terminal and the verification server side and serve as key carriers;
the display terminal can dynamically generate key pixel points on the surface of the key carrier through a program matched with the verification server, and the key pixel points are superposed on the image file and displayed by a display screen of the display terminal;
the verification terminal can identify the display content of the display screen of the display terminal, obtain key pixel points through comparison of the verification server side, verify the key again, and realize payment release of the display terminal after successful verification.
And the image file is uploaded to the verification server and the display terminal by the user regularly or irregularly.
And the verification server deletes corresponding pixels after overlapping the image files of the key carriers during verification, reads the pixel points of the rest keys, converts the pixel points into dynamic numbers after conversion of a first program, and compares and verifies the dynamic numbers with the dynamic numbers generated by a second program.
The display terminal is provided with two display screens, when the pixel points are overlapped, the key pixel points are displayed on a transparent second display screen, and the second display screen is overlapped in front of a first display screen displaying the key carrier.
When the terminal identification is verified, the sensor controls the second display screen to be turned off firstly through close contact with the display terminal, after the terminal identification is carried out, the program in the display terminal controls the first display screen to be turned off and the second display screen to be turned on
The display terminal needs to open the key carrier on which the key pixel points are overlapped through fingerprint identification.
The invention has the following beneficial effects:
the display terminal only needs to give the verification terminal to display the key carrier image file overlapped with the key pixel points, the display terminal does not need to be networked or upload and download any information during verification, and the verification server can obtain the key pixel points from the content transmitted by the verification terminal to obtain key verification and realize payment passing.
The display terminal has various carriers, long standby time and safe and reliable verification process.
Description of the drawings:
FIG. 1 is a schematic structural view of the present invention;
the specific implementation mode is as follows:
the invention is explained in further detail below with reference to the drawings.
Referring to fig. 1, a payment verification system includes a display terminal 1, a verification server 8, and a verification terminal 2;
image files with the same attribute are placed in the display terminal 1 and the verification server 8 to serve as key carriers 3;
the display terminal 1 can dynamically generate key pixel points 4 on the surface of the key carrier 3 through a program matched with the verification server 8, and the key pixel points are superposed on the image file 3 and displayed by a display screen 5 of the display terminal 1;
the verification terminal 2 can identify the display content of the display screen 5 of the display terminal 1, the verification server 8 compares the display content with the content to obtain the key pixel points 4, the key is verified, and the payment release of the display terminal 1 is realized after the verification is successful.
The image files with the same attribute are characterized in that the consistency of the image files as the key carrier 3 is ensured, all digital attributes of the image files are included, and the loss of the image files on pixels caused by different digital attributes of the image files, such as file sizes, image storage formats and the like, is eliminated, so that the verification effect after superposition when the key pixel points 4 are superposed on the image files 3 is influenced.
The realization principle of the invention is as follows:
display terminal 1's carrier can be for bracelet, wrist-watch, bracelet, necklace etc. have the object of display screen, because of display terminal 1 need not the networking, also need not pass through the signal associative with the external world when the payment is used, consequently power consumption is extremely low to current technique can accomplish standby several months completely, frequently uses the degree of few weeks. And if the carrier is used through a built-in power generation mechanism, for example, a small device which cuts magnetic induction lines to generate power by utilizing the limb movement of a user when wearing the carrier, or the carrier can be used all the time without external power supply charging by replacing structures and functions such as a button cell, a circuit board and the like for short-time recording.
The verification terminal 2 is mainly used by a merchant for cash collection, the verification terminal 2 needs to be networked and connected with the verification server 8 in an encryption mode, and the verification terminal 2 can be a portable and movable device.
When a user pays, the display terminal 1 is placed in front of the verification terminal 2, the verification terminal 2 identifies the content displayed on the display screen 5 of the display terminal 1, the content is transmitted to the verification server 8, the verification server 8 identifies and obtains the key pixel points 4 superposed on the surface of the key carrier 3 in the display content of the display screen of the display terminal 1 based on the key carrier 3, and finally, whether the key generated by the display terminal 1 is the same as the key existing in the verification server 8 or not is verified through a program, namely, the payment is successful, the verification server 8 coordinates an agreement between banks to complete the payment, and the payment release of the display terminal 1 is realized.
Key pixel 4 is by the dynamic generation of procedure according to the time, in order to prevent the accident, the procedure setup time can be on verification terminal 2 and display terminal 1 poor span be more than 1 day, mainly consider that display terminal 1 built-in timing leads to the time and verifies server 8 desynchronized because of the electric power is not enough, display terminal 1 appears and verifies terminal 2 time to have the difference, if the key pixel 4 of verifying terminal 2's dynamic generation changes earlier than display terminal 1's key pixel 4 like this, mismatch will appear, the unable circumstances of verifying, it is sufficient in order to solve this problem to differ the span for 1 day. Of course, for safety reasons, such as the loss of the display terminal 1, the payment is also limited and limited.
Further, as an improvement to the embodiment, the image file is uploaded to the authentication server 8 and the display terminal 1 by the user on a regular or irregular basis. When the method is implemented, the user can upload the image file serving as the key carrier by self, so that the encryption effect can be achieved, and the image displayed by the display terminal 1 can have more individuality or has other symbolic meanings to the user individual.
Further, as an improvement to the implementation, the verification server 8 deletes corresponding pixels by superimposing the image files of the key carrier 3 during verification, reads the remaining key pixel points 4, converts the key pixel points into dynamic numbers after conversion by the first program, and compares the dynamic numbers with the dynamic numbers generated by the second program.
The deletion of the corresponding pixels is essentially that the verification server 8 deletes the corresponding pixels of the image file of the key carrier 3 overlapped with the key pixel points 4 identified from the verification terminal 2 according to the image file pixels of the stored key carrier 3, then reads the residual key pixel points 6, converts the key pixel points 6 into dynamic numbers by a first program in the verification server 8, compares and verifies the dynamic numbers generated by a second program of the verification server 8, and obtains a result.
Further, as an improvement to the embodiment, the display terminal 1 is provided with two display screens, when the pixel points are superimposed, the key pixel points are displayed on the transparent second display screen 6, and the second display screen 6 is superimposed in front of the first display screen 7 displaying the key carrier.
In addition, as a modification of the embodiment, when the terminal 2 is identified, the second display 6 is controlled by the sensor to be turned off first by contacting the display terminal 1 in a short distance, and after the terminal is identified, the program in the terminal controls the first display 7 to be turned off and the second display 6 to be turned on.
The inductor that display terminal 1 has is the distance inductor, and the distance inductor is close to verification terminal 2 when display terminal 1 opens the display screen, and second display screen 6 that has key pixel point 4 extinguishes earlier under the control of distance inductor, and after a few seconds also namely verification terminal 2 discernment display terminal 1, with the communicating procedure of distance inductor again control first display screen 7 to extinguish, light second display screen 6 and be used for verifying terminal 2 and discern.
At this time, the verification terminal 2 identifies the key carrier 3 and the key pixel point 4, and then verifies the two respectively through the program in the verification server 8. If the key carriers 3 are different, the key pixel points 4 are the same and can not pass through, and only if the two are the same, the key pixel points can pass through.
Further, as an improvement to the embodiment, the display terminal 1 needs to open the key carrier 3 on which the key pixel points 4 are already superimposed through fingerprint identification.
Claims (5)
1. A payment verification system, characterized by: comprises a display terminal, a verification server and a verification terminal;
image files with the same attribute are placed in the display terminal and the verification server side and serve as key carriers;
the display terminal can dynamically generate key pixel points on the surface of the key carrier through a program matched with the verification server, and the key pixel points are superposed on the image file and displayed by a display screen of the display terminal;
the verification terminal can identify the display content of a display screen of the display terminal, obtain key pixel points through comparison of the verification server side, verify the key again, and realize payment release of the display terminal after successful verification;
and the verification server deletes corresponding pixels after overlapping the image files of the key carriers during verification, reads the pixel points of the rest keys, converts the pixel points into dynamic numbers after conversion of a first program, and compares and verifies the dynamic numbers with the dynamic numbers generated by a second program.
2. A payment verification system as claimed in claim 1, wherein: and the image file is uploaded to the verification server and the display terminal by the user regularly or irregularly.
3. A payment verification system as claimed in claim 1, wherein: the display terminal is provided with two display screens, when the pixel points are overlapped, the key pixel points are displayed on a transparent second display screen, and the second display screen is overlapped in front of a first display screen displaying the key carrier.
4. A payment verification system as claimed in claim 3, wherein: when the terminal identification is verified, the second display screen is controlled to be turned off firstly by the sensor through close contact with the display terminal, and after the terminal identification is carried out, the first display screen is controlled to be turned off by the program in the display terminal, and the second display screen is turned on.
5. A payment verification system as claimed in claim 1, wherein: the display terminal needs to open the key carrier on which the key pixel points are overlapped through fingerprint identification.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810321344.0A CN108520411B (en) | 2018-04-11 | 2018-04-11 | Payment verification system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810321344.0A CN108520411B (en) | 2018-04-11 | 2018-04-11 | Payment verification system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108520411A CN108520411A (en) | 2018-09-11 |
| CN108520411B true CN108520411B (en) | 2021-11-23 |
Family
ID=63432077
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810321344.0A Expired - Fee Related CN108520411B (en) | 2018-04-11 | 2018-04-11 | Payment verification system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108520411B (en) |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20120208592A1 (en) * | 2010-11-04 | 2012-08-16 | Davis Bruce L | Smartphone-Based Methods and Systems |
| CN105827612A (en) * | 2016-04-08 | 2016-08-03 | 四川省亚丁胡杨人力资源集团有限公司 | Salary payment system based on mobile Internet service application |
| CN106779691A (en) * | 2016-10-14 | 2017-05-31 | 深圳市微付充科技有限公司 | Transaction data processing method, device, terminal and system based on coded image |
| CN106960344A (en) * | 2017-03-27 | 2017-07-18 | 上海与德科技有限公司 | A kind of method of payment and system based on mobile terminal |
| CN107835332A (en) * | 2017-11-15 | 2018-03-23 | 深圳大学 | It is superimposed the two-dimensional code generation method and device of man made noise's information |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105809117B (en) * | 2016-03-01 | 2019-05-21 | Oppo广东移动通信有限公司 | A kind of information cuing method and user terminal |
-
2018
- 2018-04-11 CN CN201810321344.0A patent/CN108520411B/en not_active Expired - Fee Related
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20120208592A1 (en) * | 2010-11-04 | 2012-08-16 | Davis Bruce L | Smartphone-Based Methods and Systems |
| CN105827612A (en) * | 2016-04-08 | 2016-08-03 | 四川省亚丁胡杨人力资源集团有限公司 | Salary payment system based on mobile Internet service application |
| CN106779691A (en) * | 2016-10-14 | 2017-05-31 | 深圳市微付充科技有限公司 | Transaction data processing method, device, terminal and system based on coded image |
| CN106960344A (en) * | 2017-03-27 | 2017-07-18 | 上海与德科技有限公司 | A kind of method of payment and system based on mobile terminal |
| CN107835332A (en) * | 2017-11-15 | 2018-03-23 | 深圳大学 | It is superimposed the two-dimensional code generation method and device of man made noise's information |
Non-Patent Citations (1)
| Title |
|---|
| 基于相互认证和3DES加密的智能卡远程支付系统认证方案;莫淦清等;《计算机应用研究》;20161031;第33卷(第10期);第3078-3082页 * |
Also Published As
| Publication number | Publication date |
|---|---|
| CN108520411A (en) | 2018-09-11 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10956881B2 (en) | Methods and systems for biometric card enrollment | |
| CA2399708C (en) | Electronic credit card | |
| US8103881B2 (en) | System, method and apparatus for electronic ticketing | |
| CN105261130B (en) | A kind of intelligence POS terminal | |
| CN105190659A (en) | Methods and arrangements for smartphone payments and transactions | |
| CN104182871A (en) | Mobile payment system and smart wristband | |
| KR20220040481A (en) | Devices with biometric-gated displays | |
| CN106779665A (en) | A kind of POS enchashment methods based on human body biological characteristics identification with anti-repudiation technology | |
| CN203812271U (en) | A mobile payment system and an intelligent bracelet | |
| CN103218713A (en) | Multifunctional POS (point-of-sale) terminal, system and payment method based on intelligent platform | |
| CN105279641A (en) | Internet payment registration authentication and implementation methods and devices | |
| CN106203586A (en) | Financial IC card, payment system and method for payment | |
| WO2021115424A1 (en) | Voice payment method and electronic device | |
| CN109255620A (en) | Encrypting payment method, mobile terminal and computer readable storage medium | |
| CN106910070A (en) | Exempt from close offline electronic payment method with what visible light communication and barcode scanning were recognized | |
| CN108520411B (en) | Payment verification system | |
| CN110147991A (en) | A kind of method, apparatus and system of the multi-platform payment of graphic code | |
| CN206271123U (en) | Payment mechanism based on face recognition | |
| CN106600274B (en) | Multi-algorithm multi-key optical authentication offline payment device | |
| CN108564368B (en) | Payment method | |
| CN105741111A (en) | Mobile payment method, system and device | |
| CN103761464A (en) | Touch device and touch control method | |
| CN208014006U (en) | A kind of wearable payment devices | |
| CN106384037A (en) | Security system and method based on identity authentication | |
| CN207676350U (en) | Mortgage loan personnel identity certification identifying system based on recognition of face |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20211123 |