CN108564368B - Payment method - Google Patents
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- CN108564368B CN108564368B CN201810320619.9A CN201810320619A CN108564368B CN 108564368 B CN108564368 B CN 108564368B CN 201810320619 A CN201810320619 A CN 201810320619A CN 108564368 B CN108564368 B CN 108564368B
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- key
- pixel points
- display terminal
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
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Abstract
A payment method, characterized by: the method comprises the following steps that (1) a key carrier is uploaded to the display terminal and the verification server; (2) the display terminal is held for payment, and the display terminal superposes dynamically generated key pixel points on the surface of the key carrier; (3) the verification terminal identifies the display content of the display terminal and transmits the display content to the verification server through the network for verification; (4) the verification server identifies the key carrier overlapped with the key pixel points, and pixel deletion is carried out on the identified key carrier through a built-in program to finally obtain the key pixel points; (5) and after the key pixel points are obtained, verifying and comparing the key pixel points through a program, and if the key pixel points are the same, paying and releasing. The invention can self-define the key carrier, and the display terminal does not need to be networked or upload and download any information during verification. The standby time of the display terminal is long, and the verification process is safe and reliable.
Description
Technical Field
The invention relates to a payment method, and belongs to the technical field of IPC classification G06 and G09.
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 present invention is directed to solving the above-mentioned problems, and provides a payment method, which can be operated separately from the network, and has security and convenience.
The technical scheme for solving the problems of the invention is as follows:
a payment method, characterized by: the method comprises the following steps that (1) a user synchronously uploads image files with the same attribute to the display terminal and the verification server to serve as a key carrier;
(2) the user holds the display terminal to pay, and the display terminal superposes a layer of key pixel points dynamically generated by the built-in program on the surface of the key carrier;
(3) the verification terminal identifies the display content of the display terminal and transmits the display content to the verification server through the network for verification;
(4) the verification server identifies the key carrier on which the key pixel points are superposed, and pixel deletion is carried out on the identified key carrier through the pixel content of the image file transmitted in the step one by a built-in program, so that the key pixel points are obtained finally;
(5) and after the key pixel points are obtained, verifying and comparing the key pixel points through a program, and if the key pixel points are the same, paying and releasing.
The key pixel point is composed of at least more than three pixel points, and can also be formed by mutually crossing or parallel strips.
The display terminal carrier is wearable non-networking equipment and is one of a watch, a bracelet string and a necklace.
The display terminal displays the key carriers and the key pixel points through a display screen, wherein at least one display screen is provided.
The program set in the display terminal is the same as the program part in the verification server, and the same program of the two parts can dynamically generate key pixel points.
And pixel deletion, wherein pixel point data based on the image file of the key carrier comprises pixel point positions and pixel point colors.
The invention has the following beneficial effects:
the display terminal only needs to give the verification server side to directly or indirectly display the key carrier image file overlapped with the key pixel points, namely the key carrier can be self-defined, has stronger flexibility and can embody the personality of a user; in addition, the display terminal does not need to be networked or upload and download any information during verification, and the verification server acquires key pixel points from the content of the display terminal to obtain key verification and realize payment passing.
The standby time of the display terminal is long, and the verification process is safe and reliable.
Description of the drawings:
fig. 1 is a schematic view of the frame structure of the present invention.
The invention is explained in further detail below with reference to the drawings.
Referring to fig. 1, a payment method, which is composed of a display terminal 2, a verification terminal 3 and a verification server 4, includes the following steps
(1) The user 1 synchronously uploads an image file 5 with the same attribute to the display terminal 2 and the verification server 4 to be used as a key carrier 6; (2) the user 1 holds the display terminal 2 for payment, and the display terminal 2 superposes a layer of key pixel points 7 dynamically generated by a built-in program on the surface of the key carrier 6;
(3) the verification terminal 3 identifies the display content of the display terminal 2 and transmits the display content to the verification server 4 for verification through a network;
(4) the verification server 4 identifies the key carrier 6 on which the key pixel points 7 are superposed, and pixel deletion is carried out on the identified key carrier 6 through the pixel content of the image file 5 transmitted in the step one through a built-in program, so that the key pixel points 7 are obtained finally;
(5) and after the key pixel point 7 is obtained, verifying and comparing the key pixel point through a program, and if the key pixel point is the same, paying and releasing.
The verification comparison is carried out by the program in the step 5 of the invention, namely, the program in the verification server 4 also dynamically generates the key pixel points, the identified key pixel points are compared with the key pixel points, and if the key pixel points are the same, the payment is released.
In addition, there is another way to compare, namely, verify the key that the procedure in the server 4 dynamically generates, after identifying and getting the key pixel 7, verify the procedure in the server 4 and change the pixel 7 of the key into the key, the key here can be a string of numbers, then compare, get the result the same, pay and pass, different, pay and fail.
And the dynamic key pixel points 7 generated by the program decompose the key into pixel points which are distributed on the surface of the image file 5 where the key carrier 6 is located, and the color problem of the pixel points of the image file 5 can be considered during distribution, and the pixel points can also be distributed only on blank or light-colored pixel points.
The key pixel points generated in the display terminal 2 and the verification server 4 are based on time, the span can be 1 day, namely the time of the display terminal 2 can be 1 day different from the time of the verification server 4, after the time exceeds 1 day, the key pixel points generated under the control of the program in the verification server 4 are different from the key pixel points generated by the program in the display terminal 2, in this case, the user only needs to adjust the time in the display terminal 2, and certainly, in view of safety, limitation can be made on the total amount of payment for each payment and each day, so that the loss can be reduced to the minimum even if the display terminal 2 is lost or stolen.
If the password is lost, the password can be served to the e-mail, or the payment can be stopped at the verification server 4 through the internet-enabled terminal, or other image files are directly uploaded to the verification server 4 to replace the original image files stored at the verification server 4, or the image files in the verification server 4 are directly deleted, so that the image files in the display terminal 2 and the verification server 4 are different, namely the password carriers are different, and the payment can also fail even if the password pixels are the same.
Based on the improvement of the implementation mode, the key pixel point is composed of at least more than three pixel points, and the key pixel points can also be formed by mutually crossing or parallel strips.
In addition, based on the improvement of the embodiment, the carrier of the display terminal 2 is a wearable non-networking device, and is one of a watch, a bracelet string and a necklace.
Based on the principle of the invention, the display terminal 2 does not need to be networked, and payment can be realized only by one circuit board and one display screen, so the carrier is most suitable for wearing, is more convenient and faster compared with mobile equipment, and is safer and more convenient to use. And the equipment is small, and the standby capability is strong, has the advantage that mobile equipment does not have.
Further, based on the improvement of the embodiment, the display terminal 2 displays the key carrier 6 and the key pixel point 7 through a display screen 8, and at least one of the display screens 8 is provided.
In the implementation of the present invention, the number of the display screens 8 may be two, that is, the first display screen displays the key carrier 6, the second transparent display screen displays the key pixel 7, and the second transparent display screen is overlapped above the first display screen, and during the identification, the display terminal 2 needs to contact the verification terminal 3, so that the first display screen and the second transparent display screen can be controlled to be turned off and turned on in sequence by a sensor, such as a distance sensor, so that the verification terminal 3 transmits two images to the verification server 4 for verification, thereby reducing the program code of the verification server 4 and reducing the load of the verification server 4.
Of course, if this is considered, the switching between the images of the key carrier 6 and the key pixel 7 can also be controlled by a sensor through a display screen.
Further, based on the improvement of the embodiment, the program set in the display terminal 2 is the same as the program part in the verification server, and the same program of the two parts can dynamically generate the key pixel points.
Further, based on the improvement of the embodiment, the pixel deletion is based on the pixel data of the image file 5 of the key carrier 6, including the pixel position and the pixel color.
Claims (6)
1. A payment method, characterized by: the method comprises a display terminal, a verification terminal and a verification server, and comprises the following steps
(1) The user synchronously uploads the image files with the same attribute to the display terminal and the verification server to be used as a key carrier;
(2) the user holds the display terminal to pay, and the display terminal superposes a layer of key pixel points dynamically generated by the built-in program on the surface of the key carrier;
(3) the verification terminal identifies the display content of the display terminal and transmits the display content to the verification server through the network for verification;
(4) the verification server identifies the key carrier on which the key pixel points are superposed, and pixel deletion is carried out on the identified key carrier through the pixel content of the image file transmitted in the step one by a built-in program, so that the key pixel points are obtained finally;
(5) and after the key pixel points are obtained, verifying and comparing the key pixel points through a program, and if the key pixel points are the same, paying and releasing.
2. A payment method as claimed in claim 1, wherein: the key pixel point is composed of at least more than three pixel points, and can also be formed by mutually crossing or parallel strips.
3. A payment method as claimed in claim 1, wherein: the display terminal carrier is wearable non-networking equipment and is one of a watch, a bracelet string and a necklace.
4. A payment method as claimed in claim 1, wherein: the display terminal displays the key carriers and the key pixel points through a display screen, wherein at least one display screen is provided.
5. A payment method as claimed in claim 1, wherein: the program set in the display terminal is the same as the program part in the verification server, and the same program of the two parts can dynamically generate key pixel points.
6. A payment method as claimed in claim 1, wherein: and pixel deletion, wherein pixel point data based on the image file of the key carrier comprises pixel point positions and pixel point colors.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810320619.9A CN108564368B (en) | 2018-04-11 | 2018-04-11 | Payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810320619.9A CN108564368B (en) | 2018-04-11 | 2018-04-11 | Payment method |
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| Publication Number | Publication Date |
|---|---|
| CN108564368A CN108564368A (en) | 2018-09-21 |
| CN108564368B true CN108564368B (en) | 2021-12-03 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201810320619.9A Active CN108564368B (en) | 2018-04-11 | 2018-04-11 | Payment method |
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Family Cites Families (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP0926637B1 (en) * | 1997-12-26 | 2005-04-27 | Nippon Telegraph and Telephone Corporation | Electronic cash implementing method for issuer having electronic cash balance counters, corresponding issuer equipment and recording medium having recorded thereon a program for execution of the method |
| CN101282457B (en) * | 2005-02-06 | 2010-06-02 | 陆健 | False proof detection method for real time monitoring videosignal |
| US8893964B2 (en) * | 2013-03-15 | 2014-11-25 | Dell Products L.P. | Secure point of sale presentation of a barcode at an information handling system display |
| CN104486610B (en) * | 2014-12-18 | 2017-11-28 | 北京智谷睿拓技术服务有限公司 | display control method and device |
| 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 |
| CN107835332B (en) * | 2017-11-15 | 2019-07-05 | 深圳大学 | It is superimposed the two-dimensional code generation method and device of man made noise's information |
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Effective date of registration: 20211112 Address after: 318050 No. 66, Luoyang street, Luqiao District, Taizhou City, Zhejiang Province Applicant after: Taizhou Kang Xin capacitor Co.,Ltd. Address before: 317100 Room 308, building 14, No. 2 Qiushui Avenue, Haiyou street, Sanmen County, Taizhou City, Zhejiang Province Applicant before: Zheng Hong |
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Effective date of registration: 20240906 Address after: No. 1602, office building 2, ocean Plaza, No. 28, Boai Sixth Road, East District, Zhongshan City, Guangdong Province, 528400 Patentee after: Guangdong legend motor vehicle service Co.,Ltd. Country or region after: China Address before: 318050 No. 66, Luoyang street, Luqiao District, Taizhou City, Zhejiang Province Patentee before: Taizhou Kang Xin capacitor Co.,Ltd. Country or region before: China |