CN108764912B - Payment method and device based on short message verification code - Google Patents

Payment method and device based on short message verification code Download PDF

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CN108764912B
CN108764912B CN201810644270.4A CN201810644270A CN108764912B CN 108764912 B CN108764912 B CN 108764912B CN 201810644270 A CN201810644270 A CN 201810644270A CN 108764912 B CN108764912 B CN 108764912B
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verification code
short message
message verification
client
server
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CN108764912A (en
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柳毅
罗子强
凌捷
欧毓毅
罗玉
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Guangdong University of Technology
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • 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
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H04L63/0442—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures

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

Abstract

The invention discloses a payment method based on a short message verification code, which comprises the steps of generating a corresponding short message verification code according to a payment request after receiving the payment request sent by a client, encrypting the short message verification code and signing the short message verification code, sending a short message verification code ciphertext and a verification code signature to the client so that the client checks the verification code signature, decrypting the short message verification code ciphertext to obtain the short message verification code after the verification passes, and completing payment operation after a user inputs the short message verification code. The short message verification code is signed and encrypted by the certificateless public key password in the whole process, so that the encryption and signature verification of the short message verification code in the transmission process are realized, and the safety of the short message verification code is guaranteed; meanwhile, the certificateless public key password does not relate to the problems of certificate management and secret key management, the processing process of the short message verification code is simplified, and the cost is saved. Correspondingly, the payment device, the equipment and the readable storage medium based on the short message verification code disclosed by the invention also have the technical effects.

Description

Payment method and device based on short message verification code
Technical Field
The invention relates to the technical field of electronic commerce transactions, in particular to a payment method, a payment device, payment equipment and a readable storage medium based on a short message verification code.
Background
With the continuous integration and development of computer technology, internet technology and electronic commerce technology, electronic commerce has become an indispensable transaction activity in the current society, and consumers not only save time and space of customers and enterprises, but also improve transaction efficiency through online shopping and payment.
At present, when payment is carried out based on electronic commerce, security authentication is generally carried out in modes of short message verification codes, dynamic passwords, digital certificates and the like, wherein the mode of the short message verification codes is adopted for carrying out security authentication, so that the cost is low and the realization is easy. However, since the short message verification code is transmitted in a plaintext manner, the security is low, and if the short message verification code is encrypted by escrowing based on the CA center and the key, the transaction payment process is complicated due to the key management problem, the processing efficiency is reduced, and the technical cost is correspondingly increased.
Therefore, how to avoid the key management problem to simplify the encryption processing process of the short message verification code, save the technical cost, and improve the security of the short message verification code is a problem to be solved by those skilled in the art.
Disclosure of Invention
The invention aims to provide a payment method, a payment device, payment equipment and a readable storage medium based on a short message verification code, so as to avoid the problem of key management, simplify the encryption processing process of the short message verification code, save the technical cost and improve the safety of the short message verification code.
In order to achieve the above purpose, the embodiment of the present invention provides the following technical solutions:
a payment method based on a short message verification code is based on a server and comprises the following steps:
receiving a payment request sent by a client, and generating a corresponding short message verification code according to the payment request;
signing the short message verification code by using a server-side private key to obtain a verification code signature, and encrypting the short message verification code by using a client-side public key to obtain a short message verification code ciphertext;
sending the verification code signature and the short message verification code ciphertext to the client so that the client checks the verification code signature by using a server public key, and decrypting the short message verification code ciphertext by using a client private key after the check passes to obtain the short message verification code;
acquiring a short message verification code input by a user of the client and completing payment operation;
the server-side private key and the client-side private key are generated by a random number and a part of private keys in a registration stage; the server public key is generated by the server private key and a part of public keys in a registration stage and corresponds to the server private key; the client public key is generated by the client private key and a part of public keys in a registration stage and corresponds to the client private key.
Wherein the registration phase comprises:
receiving user information sent by the client, wherein the user information at least comprises: PAN code, user name, password and mobile phone number;
judging whether the PAN code exists in a preset database or not;
if so, generating and storing user identification information by using the user information and the validity period of the user information, generating the partial private key and a partial public key corresponding to the partial private key by using a random number and the user identification information, carrying out XOR processing on the partial private key, and transmitting the XOR processed partial private key and the partial public key to the client.
The obtaining of the short message verification code input by the user of the client and the completion of the payment operation includes:
acquiring a short message verification code input by a user of the client;
judging whether the short message verification code input by the user is consistent with the short message verification code generated according to the payment request;
and if so, completing the payment operation.
A payment device based on a short message verification code is based on a server and comprises:
the server receiving module is used for receiving a payment request sent by a client and generating a corresponding short message verification code according to the payment request;
the signature encryption module is used for signing the short message verification code by using a server-side private key to obtain a verification code signature, and encrypting the short message verification code by using a client-side public key to obtain a short message verification code ciphertext;
the transmission module is used for sending the verification code signature and the short message verification code ciphertext to the client so that the client checks the verification code signature by using a server public key, and after the check passes, the short message verification code ciphertext is decrypted by using a client private key to obtain the short message verification code;
the server payment module is used for acquiring a short message verification code input by a user of the client and completing payment operation;
the server-side private key and the client-side private key are generated by a random number and a part of private keys in a registration stage; the server public key is generated by the server private key and a part of public keys in a registration stage and corresponds to the server private key; the client public key is generated by the client private key and a part of public keys in a registration stage and corresponds to the client private key.
A payment method based on a short message verification code is based on a client and comprises the following steps:
sending a payment request to a server so that the server generates a corresponding short message verification code according to the payment request, signing the short message verification code by using a server private key to obtain a verification code signature, encrypting the short message verification code by using a client public key to obtain a short message verification code ciphertext, and sending the verification code signature and the short message verification code ciphertext;
receiving the verification code signature and the short message verification code ciphertext;
verifying the signature of the verification code by using a server public key, and decrypting the short message verification code ciphertext by using a client private key after the signature verification is passed to obtain the short message verification code;
sending the short message verification code input by the user to the server side so that the server side can acquire the short message verification code input by the user and complete payment operation;
the server-side private key and the client-side private key are generated by a random number and a part of private keys in a registration stage; the server public key is generated by the server private key and a part of public keys in a registration stage and corresponds to the server private key; the client public key is generated by the client private key and a part of public keys in a registration stage and corresponds to the client private key.
Wherein the registration phase comprises:
sending user information to the server so that the server judges whether the PAN code exists in a preset database or not; if so, generating and storing user identification information by using the user information and the validity period of the user information, generating the partial private key and a partial public key corresponding to the partial private key by using a random number and the user identification information, carrying out XOR processing on the partial private key, and sending the XOR processed partial private key and the partial public key; the user information at least comprises: PAN code, user name, password and mobile phone number;
and receiving the part of private key and the part of public key which are sent by the server and subjected to the XOR processing.
The sending of the short message verification code input by the user to the server so that the server obtains the short message verification code input by the user and completes payment operation comprises the following steps:
acquiring a short message verification code input by the user;
signing the short message verification code input by the user by using the client private key to obtain a user signature, and encrypting the short message verification code input by the user by using the server public key to obtain a user verification code ciphertext;
sending the user verification code ciphertext and the user signature to the server side so that the server side can obtain the user verification code ciphertext and the user signature, verifying the signature of the user signature by using the client side public key, decrypting the user verification code ciphertext by using the server side private key after the signature verification is passed, obtaining a short message verification code input by the user, and judging whether the short message verification code input by the user is consistent with a short message verification code generated according to the payment request; and if so, completing the payment operation.
A payment device based on a short message verification code comprises, based on a client:
the system comprises a sending module, a payment module and a payment module, wherein the sending module is used for sending a payment request to a server so that the server generates a corresponding short message verification code according to the payment request, the short message verification code is signed by using a server private key to obtain a verification code signature, the short message verification code is encrypted by using a client public key to obtain a short message verification code ciphertext, and the verification code signature and the short message verification code ciphertext are sent;
the client receiving module is used for receiving the verification code signature and the short message verification code ciphertext;
the signature verification decryption module is used for verifying the signature of the verification code by using a server public key, and decrypting the short message verification code ciphertext by using a client private key after the signature verification passes to obtain the short message verification code;
the client payment module is used for sending the short message verification code input by the user to the server so that the server can acquire the short message verification code input by the user and complete payment operation;
the server-side private key and the client-side private key are generated by a random number and a part of private keys in a registration stage; the server public key is generated by the server private key and a part of public keys in a registration stage and corresponds to the server private key; the client public key is generated by the client private key and a part of public keys in a registration stage and corresponds to the client private key.
A payment device based on a short message verification code comprises:
a memory for storing a computer program;
and the processor is used for realizing the steps of the payment method based on the short message verification code when the computer program is executed.
A readable storage medium, on which a computer program is stored, which when executed by a processor implements the steps of any one of the above-mentioned payment methods based on short message verification codes.
According to the scheme, the payment method based on the short message verification code provided by the embodiment of the invention is based on the server and comprises the following steps: receiving a payment request sent by a client, and generating a corresponding short message verification code according to the payment request; signing the short message verification code by using a server-side private key to obtain a verification code signature, and encrypting the short message verification code by using a client-side public key to obtain a short message verification code ciphertext; sending the verification code signature and the short message verification code ciphertext to the client so that the client checks the verification code signature by using a server public key, and decrypting the short message verification code ciphertext by using a client private key after the check passes to obtain the short message verification code; acquiring a short message verification code input by a user of the client and completing payment operation; the server-side private key and the client-side private key are generated by a random number and a part of private keys in a registration stage; the server public key is generated by the server private key and a part of public keys in a registration stage and corresponds to the server private key; the client public key is generated by the client private key and a part of public keys in a registration stage and corresponds to the client private key.
The method comprises the steps that after a payment request sent by a client is received, a corresponding short message verification code is generated according to the payment request, the short message verification code is encrypted and signed, a short message verification code ciphertext and a verification code signature are sent to the client, after the client receives the short message verification code ciphertext and the verification code signature, signature verification is firstly carried out on the verification code signature, and after the signature verification is passed, the short message verification code ciphertext is decrypted to obtain the short message verification code, so that a user can complete payment operation after inputting. The method has the advantages that the short message verification code is signed through the certificateless public key password, the encryption and signature verification of the short message verification code in the transmission process are realized, the short message verification code ciphertext is decrypted only after the signature verification is passed, and the safety of the short message verification code is guaranteed; meanwhile, the certificateless public key password does not relate to the problems of certificate management and key management, simplifies the encryption processing process of the short message verification code, improves the processing efficiency and saves the cost.
Correspondingly, the payment device, the payment equipment and the readable storage medium based on the short message verification code also have the technical effects.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a flowchart of a payment method based on a short message verification code according to an embodiment of the present invention;
FIG. 2 is a flow chart of another payment method based on short message verification codes according to the embodiment of the present invention;
fig. 3 is a schematic diagram of a payment device based on a short message verification code according to an embodiment of the present invention;
fig. 4 is a schematic view of another payment apparatus based on a short message verification code according to an embodiment of the present disclosure;
FIG. 5 is a schematic diagram of a payment process based on a short message verification code disclosed in an embodiment of the present invention;
fig. 6 is a schematic diagram of a payment device based on a short message verification code according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The embodiment of the invention discloses a payment method, a payment device, payment equipment and a readable storage medium based on a short message verification code, which are used for avoiding the problem of key management, simplifying the encryption processing process of the short message verification code, saving the technical cost and improving the safety of the short message verification code.
Referring to fig. 1, a payment method based on a short message verification code provided in an embodiment of the present invention is based on a server, and includes:
s101, receiving a payment request sent by a client, and generating a corresponding short message verification code according to the payment request;
in this embodiment, the description is performed based on the server, and after receiving the payment request, the server generates a corresponding short message verification code according to the payment request.
S102, signing the short message verification code by using a server-side private key to obtain a verification code signature, and encrypting the short message verification code by using a client-side public key to obtain a short message verification code ciphertext;
in order to ensure the security of the short message verification code, the server side firstly encrypts the short message verification code before sending the short message verification code.
It should be noted that the client and the server have different public and private key pairs, and the sender usually encrypts data by the public key of the other party in order to facilitate the receiver to decrypt the data when sending the data; in order to secure the signature, the signature operation is generally performed by a private key of the sender.
S103, sending the verification code signature and the short message verification code ciphertext to the client so that the client checks the verification code signature by using the server public key, and decrypting the short message verification code ciphertext by using the client private key after the check passes to obtain a short message verification code;
the server-side private key and the client-side private key are generated by random numbers and partial private keys in a registration stage; the server public key is generated by the server private key and part of public keys in the registration stage and corresponds to the server private key; the client public key is generated by the client private key and part of the public key in the registration phase and corresponds to the client private key.
And S104, acquiring a short message verification code input by a user of the client and completing payment operation.
Specifically, after the client obtains the short message verification code, the user is required to input the short message verification code into the payment operation interface and submit the short message verification code, and after the server obtains the short message verification code input by the user, the payment operation is completed.
The method includes that after a payment request sent by a client is received, a corresponding short message verification code is generated according to the payment request, the short message verification code is encrypted and signed, a short message verification code ciphertext and a verification code signature are sent to the client, after the client receives the short message verification code ciphertext and the verification code signature, the client firstly verifies the verification code signature, and after the verification passes, the short message verification code ciphertext is decrypted to obtain the short message verification code, so that payment operation is completed after a user inputs the short message verification code. The method has the advantages that the short message verification code is signed through the certificateless public key password, the encryption and signature verification of the short message verification code in the transmission process are realized, the short message verification code ciphertext is decrypted only after the signature verification is passed, and the safety of the short message verification code is guaranteed; meanwhile, the certificateless public key password does not relate to the problems of certificate management and key management, simplifies the encryption processing process of the short message verification code, improves the processing efficiency and saves the cost.
Based on the above embodiments, it should be noted that the registration phase includes:
receiving user information sent by the client, wherein the user information at least comprises: PAN code, user name, password and mobile phone number;
judging whether the PAN code exists in a preset database or not;
if so, generating and storing user identification information by using the user information and the validity period of the user information, generating the partial private key and a partial public key corresponding to the partial private key by using a random number and the user identification information, carrying out XOR processing on the partial private key, and transmitting the XOR processed partial private key and the partial public key to the client.
Specifically, the user identification information may be generated by using a hash function and stored, so that the basic information of the user may be protected, and the generated user identification information corresponds to the user one to one.
Based on the above embodiment, it should be noted that the acquiring the short message verification code input by the user of the client and completing the payment operation includes:
acquiring a short message verification code input by a user of the client;
judging whether the short message verification code input by the user is consistent with the short message verification code generated according to the payment request;
and if so, completing the payment operation.
Specifically, after the service end obtains the short message verification code input by the user, whether the short message verification code input by the user is consistent with the short message verification code generated according to the payment request needs to be judged, that is, whether the short message verification code input by the user is consistent with the short message verification code generated by the service end is judged, and when the short message verification code input by the user is consistent with the short message verification code originally generated by the service end, the short message verification code input by the user is correct, so that the payment operation can be completed.
The embodiment of the invention discloses another payment method based on a short message verification code, and compared with the previous embodiment, the technical scheme is further explained and optimized in the embodiment.
Referring to fig. 2, another payment method based on a short message verification code provided in the embodiment of the present invention is based on a client, and includes:
s201, sending a payment request to a server side so that the server side generates a corresponding short message verification code according to the payment request, signing the short message verification code by using a server side private key to obtain a verification code signature, encrypting the short message verification code by using a client side public key to obtain a short message verification code ciphertext, and sending the verification code signature and the short message verification code ciphertext;
the embodiment is described based on a client, when a user needs to perform payment transaction, the client firstly sends a payment request to a server, when the server receives the payment request, the server generates a corresponding short message verification code according to the payment request, the short message verification code is signed by using a server private key to obtain a verification code signature, the short message verification code is encrypted by using a client public key to obtain a short message verification code ciphertext, and the short message verification code ciphertext and the verification code signature are further sent.
In order to ensure the security of the short message verification code, the server side firstly encrypts the short message verification code before sending the short message verification code.
S202, receiving a verification code signature and a short message verification code ciphertext;
s203, checking the signature of the verification code by using the server public key, and decrypting the short message verification code ciphertext by using the client private key after the signature passes the checking to obtain a short message verification code;
the server-side private key and the client-side private key are generated by random numbers and partial private keys in a registration stage; the server public key is generated by the server private key and part of public keys in the registration stage and corresponds to the server private key; the client public key is generated by the client private key and part of the public key in the registration phase and corresponds to the client private key.
Because the server side encrypts the short message verification code before sending the short message verification code, the client side needs to perform corresponding decryption processing to obtain the short message verification code. The signature verification is carried out on the signature of the verification code, so that the data can be prevented from being intercepted in the transmission process, and the data security can be improved.
And S204, sending the short message verification code input by the user to the server side so that the server side can acquire the short message verification code input by the user and complete payment operation.
Specifically, the registration phase includes:
sending user information to the server so that the server judges whether the PAN code exists in a preset database or not; if so, generating and storing user identification information by using the user information and the validity period of the user information, generating the partial private key and a partial public key corresponding to the partial private key by using a random number and the user identification information, carrying out XOR processing on the partial private key, and sending the XOR processed partial private key and the partial public key; the user information at least comprises: PAN code, user name, password and mobile phone number;
and receiving the part of private key and the part of public key which are sent by the server and subjected to the XOR processing.
Specifically, the partial private keys are sent after the exclusive-or processing is performed on the partial private keys, so that the partial private keys can be protected from being stolen, if the partial private keys are stolen by lawbreakers, the partial private keys stolen by the lawbreakers are subjected to the exclusive-or processing, so that the partial private keys are not real partial private keys, and the real partial private keys can be obtained by a specific operation rule.
For example: in a predetermined spatial set
Figure BDA0001703151690000091
In the method, a random number r is randomly selectediIf part of the private key is used diMeaning that part of the public key is denoted by RiIt is shown that,
then
Figure BDA0001703151690000101
Where P is a base point on the elliptic curve, H1Is a hash function, IDiPW is password.
The sending of the short message verification code input by the user to the server so that the server obtains the short message verification code input by the user and completes payment operation comprises the following steps:
acquiring a short message verification code input by the user;
signing the short message verification code input by the user by using the client private key to obtain a user signature, and encrypting the short message verification code input by the user by using the server public key to obtain a user verification code ciphertext;
sending the user verification code ciphertext and the user signature to the server side so that the server side can obtain the user verification code ciphertext and the user signature, verifying the signature of the user signature by using the client side public key, decrypting the user verification code ciphertext by using the server side private key after the signature verification is passed, obtaining a short message verification code input by the user, and judging whether the short message verification code input by the user is consistent with a short message verification code generated according to the payment request; and if so, completing the payment operation.
In this embodiment, after the client sends the payment request, the server generates a corresponding short message verification code according to the payment request, encrypts the short message verification code and signs the short message verification code, and sends a short message verification code ciphertext and a verification code signature to the client, after the client receives the short message verification code ciphertext and the verification code signature, the client first checks the verification code signature, and after the check passes, decrypts the short message verification code ciphertext to obtain the short message verification code, and sends the short message verification code input by the user to the server, so that the server obtains the short message verification code input by the user and completes the payment operation. The method has the advantages that the short message verification code is signed through the certificateless public key password, the encryption and signature verification of the short message verification code in the transmission process are realized, the short message verification code ciphertext is decrypted only after the signature verification is passed, and the safety of the short message verification code is guaranteed; meanwhile, the certificateless public key password does not relate to the problems of certificate management and key management, simplifies the encryption processing process of the short message verification code, improves the processing efficiency and saves the cost.
Based on any of the above embodiments, it should be noted that the payment request also needs to be encrypted and signed. The method specifically comprises the following steps:
when a user needs to perform a payment transaction, a payment request is sent through the client. Before sending a payment request, a client firstly generates a public-private key pair required to be used for sending the payment request, and the specific steps are as follows: randomly selecting a random number in a preset space set as a long-term private key, generating a payment private key according to the long-term private key and a registration password used during registration, and storing the generated payment private key into a sandbox; and then generating a payment public key according to the payment private key, and disclosing the payment public key.
For example: in a predetermined spatial set
Figure BDA0001703151690000115
In (1), a random number x is randomly selectedaX is to beaAs a long-term private key and in dependence on the long-term private key xaGenerating a payment private key (x) by using a registration password PW and a mobile phone number used in registrationa,Da) The calculation formula is as follows:
Figure BDA0001703151690000111
and then according to the payment private key (x)a,Da) Generating a payment public key (X)a,Ra) The calculation formula is Xa＝xaP, P is a system parameter, and will pay the public key (X)a,Ra) Disclosed is a method for producing a semiconductor device. The payment public key is calculated by using the dot product operation, so that the calculation efficiency can be improved.
Wherein the payment request includes at least: the merchant ID, payment amount and timestamp, and the payment information in the payment request may be encoded in a fixed format and length to facilitate data transmission.
If the payment information is represented by M, the generation process of the payment signature is as follows: in a predetermined spatial set ZqIn the method, a random number a is randomly selected and passes through Ta＝aP,h1＝H1(IDb,Rb) Calculating a payment parameter TaAnd a hash function h1And further by H ═ H2(Ta||IDa||M||IDb),s＝a/(xa+Da+ h) generates a payment signature (h, s). If the cipher text of the payment request is represented by C, then
Figure BDA0001703151690000112
Wherein H3As a hash function, Va＝a(Rb+Xb+h1P0) And is a payment parameter. And when the payment request is sent, sending a payment request cryptograph C, wherein the payment request cryptograph C carries the payment signature (h, s) and the payment information M and is jointly transmitted to the server.
The calculation formula for decrypting the payment request ciphertext C includes formula (1) and formula (2), which specifically includes:
h1'＝H1(IDa,Ra),Vb＝s(xb+Db)(Xa+Ra+P0+hP) (1)
Figure BDA0001703151690000113
the calculation formula for verifying the payment signature comprises a formula (3), a formula (4) and a formula (5), and specifically comprises the following steps:
H2(s(Ra+Xa+P0+hP)||IDa||M)＝h (3)
and if the payment signature is equal to h, the payment signature is correct, otherwise, the payment signature is wrong.
Figure BDA0001703151690000114
H2(Ta||IDa||M)＝h (5)
Based on any of the above embodiments, it should be noted that the processes of encrypting, decrypting, and signature verification for the sms verification code are similar to the processes of encrypting, decrypting, and signature verification for the payment request, and therefore the description is omitted here for brevity.
Based on any of the above embodiments, it should be noted that before using the payment method based on the short message verification code disclosed in this specification, first, system parameters need to be initialized, a system master key is established, and user registration is completed, and please refer to the above description in the registration stage.
The specific steps of initializing the system parameters are as follows: 2 large prime numbers p are selected, q is a system parameter, wherein a large prime number factor with q being p-1 satisfies q | p-1. Setting P as the generator of any order q in the cyclic group G on the elliptic curve, selecting the safe hash function, and presetting a space set Z according to the hash functionqAnd collecting Z in spaceqSystem master key is selected.
In the following, a payment device based on a short message verification code according to an embodiment of the present invention is introduced, and a payment device based on a short message verification code described below and a payment method based on a short message verification code described above may refer to each other.
Referring to fig. 3, the payment device based on the short message verification code according to the embodiment of the present invention includes, based on a server side:
the server receiving module 301 is configured to receive a payment request sent by a client, and generate a corresponding short message verification code according to the payment request;
the signature encryption module 302 is configured to sign the short message verification code by using a server-side private key to obtain a verification code signature, and encrypt the short message verification code by using a client-side public key to obtain a short message verification code ciphertext;
the transmission module 303 is configured to send the verification code signature and the short message verification code ciphertext to the client, so that the client performs signature verification on the verification code signature by using a server public key, and decrypts the short message verification code ciphertext by using a client private key after the signature verification passes, so as to obtain the short message verification code;
the server payment module 304 is used for acquiring a short message verification code input by a user of the client and completing payment operation;
the server-side private key and the client-side private key are generated by a random number and a part of private keys in a registration stage; the server public key is generated by the server private key and a part of public keys in a registration stage and corresponds to the server private key; the client public key is generated by the client private key and a part of public keys in a registration stage and corresponds to the client private key.
Wherein, still include: a server registration module, the server registration module comprising:
a receiving unit, configured to receive user information sent by the client, where the user information at least includes: PAN code, user name, password and mobile phone number;
the judging unit is used for judging whether the PAN code exists in a preset database or not;
and the execution unit is used for generating and storing user identification information by using the user information and the valid period of the user information when the PAN code exists in a preset database, generating the partial private key and a partial public key corresponding to the partial private key by using a random number and the user identification information, carrying out XOR processing on the partial private key, and transmitting the XOR processed partial private key and the partial public key to the client.
Wherein, the server payment module includes:
the acquisition unit is used for acquiring a short message verification code input by a user of the client;
the judging unit is used for judging whether the short message verification code input by the user is consistent with the short message verification code generated according to the payment request;
and the payment unit is used for finishing payment operation when the short message verification code input by the user is consistent with the short message verification code generated according to the payment request.
It can be seen that, this embodiment provides a payment device based on short message verification code, and the device is described based on a server, including: the system comprises a receiving module, a signature encryption module, a transmission module and a server payment module, wherein all the modules cooperate with each other to finish payment operation. Because the device adopts the certificateless public key password to sign and encrypt the short message verification code, the encryption and the signature verification of the short message verification code in the transmission process are realized, and the safety of the short message verification code is ensured; meanwhile, the certificateless public key password does not relate to the problems of certificate management and key management, simplifies the encryption processing process of the short message verification code, improves the processing efficiency and saves the cost.
In the following, another payment device based on short message verification code provided by the embodiment of the present invention is introduced, and another payment device based on short message verification code described below and another payment method based on short message verification code described above may refer to each other.
Referring to fig. 4, another payment apparatus based on a short message verification code according to an embodiment of the present invention is based on a client, and includes:
a sending module 401, configured to send a payment request to a server, so that the server generates a corresponding short message verification code according to the payment request, signs the short message verification code with a server private key to obtain a verification code signature, encrypts the short message verification code with a client public key to obtain a short message verification code ciphertext, and sends the verification code signature and the short message verification code ciphertext;
a client receiving module 402, configured to receive the verification code signature and the short message verification code ciphertext;
the signature verification decryption module 403 is configured to verify the signature of the verification code by using the server public key, and decrypt the short message verification code ciphertext by using the client private key after the signature verification passes, so as to obtain the short message verification code;
the client payment module 404 is configured to send the short message verification code input by the user to the server, so that the server obtains the short message verification code input by the user and completes payment operation;
the server-side private key and the client-side private key are generated by a random number and a part of private keys in a registration stage; the server public key is generated by the server private key and a part of public keys in a registration stage and corresponds to the server private key; the client public key is generated by the client private key and a part of public keys in a registration stage and corresponds to the client private key.
Wherein, still include: a client registration module, the client registration module comprising:
the sending unit is used for sending user information to the server so that the server judges whether the PAN code exists in a preset database or not; if so, generating and storing user identification information by using the user information and the validity period of the user information, generating the partial private key and a partial public key corresponding to the partial private key by using a random number and the user identification information, carrying out XOR processing on the partial private key, and sending the XOR processed partial private key and the partial public key; the user information at least comprises: PAN code, user name, password and mobile phone number;
and the receiving unit is used for receiving the part of the private key and the part of the public key which are sent by the server and subjected to the XOR processing.
Wherein the client payment module comprises:
the acquisition unit is used for acquiring the short message verification code input by the user;
the signature encryption unit is used for signing the short message verification code input by the user by using the client private key to obtain a user signature, and encrypting the short message verification code input by the user by using the server public key to obtain a user verification code ciphertext;
the execution unit is used for sending the user verification code ciphertext and the user signature to the server so that the server can obtain the user verification code ciphertext and the user signature, verifying the user signature by using the client public key, decrypting the user verification code ciphertext by using the server private key after the verification passes, obtaining a short message verification code input by the user, and judging whether the short message verification code input by the user is consistent with a short message verification code generated according to the payment request; and if so, completing the payment operation.
As can be seen, the present embodiment provides another payment device based on a short message verification code, where the device is described based on a client, and the device includes: the system comprises a sending module, a client receiving module, a signature verification decryption module and a client payment module, wherein all the modules cooperate with each other to finish payment operation. Because the device adopts the certificateless public key password to sign and encrypt the short message verification code, the encryption and the signature verification of the short message verification code in the transmission process are realized, and the safety of the short message verification code is ensured; meanwhile, the certificateless public key password does not relate to the problems of certificate management and key management, simplifies the encryption processing process of the short message verification code, improves the processing efficiency and saves the cost.
Based on any of the above embodiments, it should be noted that a system including a client and a server may be designed according to the payment method or device based on the short message verification code disclosed in this specification, and a payment process of the system is shown in fig. 5, where fig. 5 is a schematic view of a payment process based on the short message verification code provided in an embodiment of the present invention.
In the following, a payment device based on a short message verification code according to an embodiment of the present invention is introduced, and a payment device based on a short message verification code described below and a payment method and apparatus based on a short message verification code described above may refer to each other.
Referring to fig. 6, a payment device based on a short message verification code provided in an embodiment of the present invention includes:
a memory 601 for storing a computer program;
a processor 602, configured to implement the steps of the payment method based on the short message authentication code according to any of the above embodiments when executing the computer program.
The following introduces a readable storage medium provided by an embodiment of the present invention, and a readable storage medium described below and a payment method, device and apparatus based on a short message verification code described above may refer to each other.
A readable storage medium, on which a computer program is stored, which, when executed by a processor, implements the steps of the short message authentication code based payment method according to any of the embodiments described above.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (8)

1. A payment method based on a short message verification code is characterized in that based on a server, the payment method comprises the following steps:
receiving a payment request sent by a client, and generating a corresponding short message verification code according to the payment request;
signing the short message verification code by using a server-side private key to obtain a verification code signature, and encrypting the short message verification code by using a client-side public key to obtain a short message verification code ciphertext;
sending the verification code signature and the short message verification code ciphertext to the client so that the client checks the verification code signature by using a server public key, and decrypting the short message verification code ciphertext by using a client private key after the check passes to obtain the short message verification code;
acquiring a short message verification code input by a user of the client and completing payment operation;
the server-side private key and the client-side private key are generated by a random number and a part of private keys in a registration stage; the server public key is generated by the server private key and a part of public keys in a registration stage and corresponds to the server private key; the client public key is generated by the client private key and a part of public keys in a registration stage and corresponds to the client private key;
the registration phase comprises:
receiving user information sent by the client, wherein the user information at least comprises: PAN code, user name, password and mobile phone number;
judging whether the PAN code exists in a preset database or not;
if so, generating and storing user identification information by using the user information and the validity period of the user information, generating the partial private key and a partial public key corresponding to the partial private key by using a random number and the user identification information, carrying out XOR processing on the partial private key, and transmitting the XOR processed partial private key and the partial public key to the client.
2. The payment method based on short message authentication code as claimed in claim 1, wherein the obtaining of the short message authentication code inputted by the user of the client and the completion of the payment operation comprises:
acquiring a short message verification code input by a user of the client;
judging whether the short message verification code input by the user is consistent with the short message verification code generated according to the payment request;
and if so, completing the payment operation.
3. A payment device based on short message verification code, which is characterized in that based on a server, the payment device comprises:
the server receiving module is used for receiving a payment request sent by a client and generating a corresponding short message verification code according to the payment request;
the signature encryption module is used for signing the short message verification code by using a server-side private key to obtain a verification code signature, and encrypting the short message verification code by using a client-side public key to obtain a short message verification code ciphertext;
the transmission module is used for sending the verification code signature and the short message verification code ciphertext to the client so that the client checks the verification code signature by using a server public key, and after the check passes, the short message verification code ciphertext is decrypted by using a client private key to obtain the short message verification code;
the server payment module is used for acquiring a short message verification code input by a user of the client and completing payment operation;
the server-side private key and the client-side private key are generated by a random number and a part of private keys in a registration stage; the server public key is generated by the server private key and a part of public keys in a registration stage and corresponds to the server private key; the client public key is generated by the client private key and a part of public keys in a registration stage and corresponds to the client private key;
the registration phase comprises:
receiving user information sent by the client, wherein the user information at least comprises: PAN code, user name, password and mobile phone number;
judging whether the PAN code exists in a preset database or not;
if so, generating and storing user identification information by using the user information and the validity period of the user information, generating the partial private key and a partial public key corresponding to the partial private key by using a random number and the user identification information, carrying out XOR processing on the partial private key, and transmitting the XOR processed partial private key and the partial public key to the client.
4. A payment method based on a short message verification code is characterized in that based on a client, the payment method comprises the following steps:
sending a payment request to a server so that the server generates a corresponding short message verification code according to the payment request, signing the short message verification code by using a server private key to obtain a verification code signature, encrypting the short message verification code by using a client public key to obtain a short message verification code ciphertext, and sending the verification code signature and the short message verification code ciphertext;
receiving the verification code signature and the short message verification code ciphertext;
verifying the signature of the verification code by using a server public key, and decrypting the short message verification code ciphertext by using a client private key after the signature verification is passed to obtain the short message verification code;
sending the short message verification code input by the user to the server side so that the server side can acquire the short message verification code input by the user and complete payment operation;
the server-side private key and the client-side private key are generated by a random number and a part of private keys in a registration stage; the server public key is generated by the server private key and a part of public keys in a registration stage and corresponds to the server private key; the client public key is generated by the client private key and a part of public keys in a registration stage and corresponds to the client private key;
the registration phase comprises:
sending user information to the server side so that the server side can judge whether a PAN code exists in a preset database or not; if so, generating and storing user identification information by using the user information and the validity period of the user information, generating the partial private key and a partial public key corresponding to the partial private key by using a random number and the user identification information, carrying out XOR processing on the partial private key, and sending the XOR processed partial private key and the partial public key; the user information at least comprises: PAN code, user name, password and mobile phone number;
and receiving the part of private key and the part of public key which are sent by the server and subjected to the XOR processing.
5. The payment method based on the short message verification code as claimed in claim 4, wherein the sending the short message verification code inputted by the user to the server so that the server obtains the short message verification code inputted by the user and completes payment operation comprises:
acquiring a short message verification code input by the user;
signing the short message verification code input by the user by using the client private key to obtain a user signature, and encrypting the short message verification code input by the user by using the server public key to obtain a user verification code ciphertext;
sending the user verification code ciphertext and the user signature to the server side so that the server side can obtain the user verification code ciphertext and the user signature, verifying the signature of the user signature by using the client side public key, decrypting the user verification code ciphertext by using the server side private key after the signature verification is passed, obtaining a short message verification code input by the user, and judging whether the short message verification code input by the user is consistent with a short message verification code generated according to the payment request; and if so, completing the payment operation.
6. A payment device based on short message verification code, which is characterized in that based on a client, the payment device comprises:
the system comprises a sending module, a payment module and a payment module, wherein the sending module is used for sending a payment request to a server so that the server generates a corresponding short message verification code according to the payment request, the short message verification code is signed by using a server private key to obtain a verification code signature, the short message verification code is encrypted by using a client public key to obtain a short message verification code ciphertext, and the verification code signature and the short message verification code ciphertext are sent;
the client receiving module is used for receiving the verification code signature and the short message verification code ciphertext;
the signature verification decryption module is used for verifying the signature of the verification code by using a server public key, and decrypting the short message verification code ciphertext by using a client private key after the signature verification passes to obtain the short message verification code;
the client payment module is used for sending the short message verification code input by the user to the server so that the server can acquire the short message verification code input by the user and complete payment operation;
the server-side private key and the client-side private key are generated by a random number and a part of private keys in a registration stage; the server public key is generated by the server private key and a part of public keys in a registration stage and corresponds to the server private key; the client public key is generated by the client private key and a part of public keys in a registration stage and corresponds to the client private key;
the registration phase comprises:
sending user information to the server side so that the server side can judge whether a PAN code exists in a preset database or not; if so, generating and storing user identification information by using the user information and the validity period of the user information, generating the partial private key and a partial public key corresponding to the partial private key by using a random number and the user identification information, carrying out XOR processing on the partial private key, and sending the XOR processed partial private key and the partial public key; the user information at least comprises: PAN code, user name, password and mobile phone number;
and receiving the part of private key and the part of public key which are sent by the server and subjected to the XOR processing.
7. A payment device based on a short message verification code is characterized by comprising:
a memory for storing a computer program;
a processor for implementing the steps of the payment method based on short message verification code according to any one of claims 1-2 and 4-5 when executing the computer program.
8. A readable storage medium, wherein a computer program is stored on the readable storage medium, and when executed by a processor, the computer program implements the steps of the payment method based on short message authentication code according to any one of claims 1-2 and 4-5.
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