CN109146486A - Method and device for timed payment - Google Patents

Method and device for timed payment Download PDF

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Publication number
CN109146486A
CN109146486A CN201811023464.9A CN201811023464A CN109146486A CN 109146486 A CN109146486 A CN 109146486A CN 201811023464 A CN201811023464 A CN 201811023464A CN 109146486 A CN109146486 A CN 109146486A
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CN
China
Prior art keywords
payment
payment request
request
check code
verifying
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.)
Pending
Application number
CN201811023464.9A
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Chinese (zh)
Inventor
黄卫平
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shenzhen Baibaolang Jewelry Co ltd
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Shenzhen Baibaolang Jewelry Co ltd
Priority date (The priority date 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 date listed.)
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Publication date
Application filed by Shenzhen Baibaolang Jewelry Co ltd filed Critical Shenzhen Baibaolang Jewelry Co ltd
Priority to CN201811023464.9A priority Critical patent/CN109146486A/en
Publication of CN109146486A publication Critical patent/CN109146486A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G06K17/0022Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Engineering & Computer Science (AREA)
  • Telephone Function (AREA)

Abstract

The invention provides a method and a device for timed payment, wherein the method comprises the following steps: acquiring a payment request, wherein the payment request comprises a payment mode, payment amount, payment time, payment times, name and identification card number of a payer; verifying the payment request, and if the payment request passes the verification, broadcasting the payment request to other block chain nodes; and returning the payment request if the verification is not passed. The invention can improve the payment efficiency in the aspects of reservation payment, wage deduction penalty and the like, and can bring convenience to users.

Description

A kind of method and apparatus of timing payment
Technical field
The present invention relates to the method and apparatus that mobile payment field more particularly to a kind of timing are paid.
Background technique
Though traditional mobile payment comparative maturity, is typically limited to currency, and with the diversification of pay content, electronics The payment demand of token is also being gradually increased, thus design it is a kind of suitable for block chain payment the means of payment very it is necessary to.
Block chain is a kind of book keeping operation technology of decentralization, guarantees that data with existing can not quilt using the method for cryptography It distorts, it is the Floor layer Technology of bit coin.Block chained record electronic token create since All Activity record, every record Comprising certain information, including produce address, be transferred to address, token quantity, timestamp, digital signature etc., when Transaction Information reaches Certain scale can be packaged into a block by centainly calculating, and each block contains the cryptographic Hash of previous block, so will not be by It distorts.Certain calculation power is needed due to generating block, every transaction is identified and needs the regular hour, generates within probably every ten minutes One block.One of widely used token is bit coin, and the mobile payment of bit coin is needed using bit coin Wallet.Bit coin wallet can store bit coin, be made of wallet address (public key) and private key, grasps private key and just grasps this ground The bit coin stored in location.The private key of online wallet is stored on the net, faces server crash, the safety problems such as hacker steals,
Mobile payment is although convenient and efficient at present, and popularity is high, but is only capable of using currency, and reserves payment and wage Button penalizes etc. that there are no special means of payment in mobile terminal, and compares with present mobile payment, reservation payment and wage button It penalizes since transaction needs to be identified, payment has larger time delay, greatly limits the efficiency and convenience of transaction.
Summary of the invention
The present invention is directed to the shortcomings that existing way, the method and apparatus for proposing a kind of timing payment, to solve existing skill The above problem existing for art.
According to the first aspect of the invention, a kind of method of timing payment is provided, is included the following steps:
Payment request is obtained, includes the means of payment, payment amount, time of payment, the branch of payer in the payment request Number, name and ID card No. are paid, the means of payment includes two dimensional code, RF passive label and bank's card number;
The payment request is verified, if being verified, to other block chain node broadcasts payment request;If verifying is not Pass through, retracts the payment request.
Further, the payment request is verified, further includes, parses the payment request to obtain the branch in payment request Information checking code is paid, and the payment information check code is verified.
Further, the payment request is parsed to obtain the payment information check code in payment request, is referred to, according to QR Standard analysis mode parses the payment request to obtain the payment information check code in payment request.
Further, the payment request is encrypted by Hash enciphered method.
Further, the payment information check code is hash check code.
On the other hand, the present invention provides a kind of devices of timing payment, comprising:
Module is obtained, includes the means of payment, the payment gold of payer for obtaining payment request, in the payment request Volume, time of payment, payment times, name and ID card No., the means of payment include two dimensional code, RF passive label and bank Card number;
Verification processing module, should to other block chain node broadcasts if being verified for verifying the payment request Payment request;If verifying does not pass through, the payment request is retracted.
It further, further include parsing module,
The parsing module is for parsing the payment request to obtain the payment information check code in payment request.
Further, the parsing module parses the payment request according to QR standard analysis mode to obtain payment request In payment information check code.
Further, the payment request is encrypted by Hash enciphered method.
Further, the payment information check code is hash check code.
Compared with prior art, the beneficial effects of the present invention are:
1, the present invention is requested by obtaining simultaneously validation of payment, includes the means of payment, the payment of payer in the payment request The amount of money, time of payment, payment times, name and ID card No., and block chain node is carried out to by the payment request of verifying Broadcast, and retract not by the payment request of verifying, payment efficiency can be improved in terms of reservation payment and wage button, it can It offers convenience for user;
2, request and the safety of check code can be guaranteed by Hash Encryption Algorithm and hash check code, while passes through solution Analysis payment request can effectively detect the payment information being tampered, and further improve the region security of payment.
The additional aspect of the present invention and advantage will be set forth in part in the description, these will become from the following description Obviously, or practice through the invention is recognized.
Detailed description of the invention
Above-mentioned and/or additional aspect and advantage of the invention will become from the following description of the accompanying drawings of embodiments Obviously and it is readily appreciated that, in which:
Fig. 1 is the flow chart of the method for one of embodiment of the present invention one timing payment;
Fig. 2 is the structure chart of the device of one of embodiment of the present invention two timing payment;
Fig. 3 is the device part of one of embodiment of the present invention two timing payment when being mobile phone, the structural block diagram of mobile phone.
Specific embodiment
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described.
In some processes of the description in description and claims of this specification and above-mentioned attached drawing, contain according to Multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article suitable according to its Sequence is executed or is executed parallel, and serial number of operation such as 101,102 etc. is only used for distinguishing each different operation, serial number It itself does not represent and any executes sequence.In addition, these processes may include more or fewer operations, and these operations can To execute or execute parallel in order.It should be noted that the description such as " first " herein, " second ", is for distinguishing not Same message, equipment, module etc., does not represent sequencing, does not also limit " first " and " second " and be different type.
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete Site preparation description, it is clear that described embodiment is only a part of example of the present invention, is implemented instead of all the embodiments.It is based on Embodiment in the present invention, those skilled in the art's every other implementation obtained without creative efforts Example, shall fall within the protection scope of the present invention.
Those skilled in the art of the present technique are appreciated that unless otherwise defined, all terms used herein (including technology art Language and scientific term), there is meaning identical with the general understanding of those of ordinary skill in fields of the present invention.Should also Understand, those terms such as defined in the general dictionary, it should be understood that have in the context of the prior art The consistent meaning of meaning, and unless idealization or meaning too formal otherwise will not be used by specific definitions as here To explain.
Embodiment one
As shown in Figure 1, providing a kind of method of timing payment of one embodiment of the invention, include the following steps:
S101 obtains payment request, includes the means of payment, payment amount, time of payment, the branch of payer in payment request Number, name and ID card No. are paid, the means of payment includes two dimensional code, RF passive label and bank's card number;
Payment request is encrypted by Hash enciphered method.
S102 validation of payment request, if being verified, to other block chain node broadcasts payment request;If verifying is not Pass through, retracts payment request.
Validation of payment is requested, and further includes, and parses payment request to obtain the payment information check code in payment request, and right Payment information check code is verified.
Payment request is parsed to obtain the payment information check code in payment request, is referred to, according to QR standard analysis mode Payment request is parsed to obtain the payment information check code in payment request.
Payment information check code is hash check code.
Embodiment two
As shown in Fig. 2, providing a kind of device of timing payment of another embodiment of the present invention, comprising:
Modules A 201 is obtained, includes the means of payment, the payment of payer for obtaining payment request, in the payment request The amount of money, time of payment, payment times, name and ID card No., the means of payment include two dimensional code, RF passive label and silver Row card number;
Payment request is encrypted by Hash enciphered method.
Verification processing modules A 202 is wide to other block chain nodes if being verified for verifying the payment request Broadcast the payment request;If verifying does not pass through, the payment request is retracted.
Parsing module A203, for parsing the payment request to obtain the payment information check code in payment request.
Specifically, parsing module A203 parses payment request according to QR standard analysis mode to obtain the branch in payment request Pay information checking code.
Payment information check code is hash check code.
As shown in figure 3, the device may be provided at including mobile phone, tablet computer, PDA (Personal Digital Assistant, personal digital assistant), POS (Point of Sales, point-of-sale terminal), any terminal device such as vehicle-mounted computer, Taking the terminal as an example:
With reference to Fig. 3, the block diagram of the part-structure of mobile phone, mobile phone includes: radio frequency (Radio Frequency, RF) circuit 1510, memory 1520, input unit 1530, display unit 1540, sensor 1550, voicefrequency circuit 1560, Wireless Fidelity The components such as (wireless fidelity, WiFi) module 1570, processor 1580 and power supply 1590.Those skilled in the art It is appreciated that handset structure shown in Fig. 3 does not constitute the restriction to mobile phone, it may include than illustrating more or fewer portions Part perhaps combines certain components or different component layouts.
It is specifically introduced below with reference to each component parts of the Fig. 3 to mobile phone:
RF circuit 1510 can be used for receiving and sending messages or communication process in, signal sends and receivees, particularly, by base station After downlink information receives, handled to processor 1580;In addition, the data for designing uplink are sent to base station.In general, RF circuit 1510 include but is not limited to antenna, at least one amplifier, transceiver, coupler, low-noise amplifier (Low Noise Amplifier, LNA), duplexer etc..In addition, RF circuit 1510 can also be logical with network and other equipment by wireless communication Letter.Any communication standard or agreement, including but not limited to global system for mobile communications (Global can be used in above-mentioned wireless communication System of Mobile communication, GSM), general packet radio service (General Packet Radio Service, GPRS), CDMA (Code Division Multiple Access, CDMA), wideband code division multiple access (Wideband Code Division Multiple Access, WCDMA), long term evolution (Long Term Evolution, LTE), Email, short message service (Short Messaging Service, SMS) etc..
Memory 1520 can be used for storing software program and module, and processor 1580 is stored in memory by operation 1520 software program and module, thereby executing the various function application and data processing of mobile phone.Memory 1520 can be led It to include storing program area and storage data area, wherein storing program area can be needed for storage program area, at least one function Application program (such as sound-playing function, image player function etc.) etc.;Storage data area, which can be stored, uses institute according to mobile phone Data (such as audio data, phone directory etc.) of creation etc..In addition, memory 1520 may include high random access storage Device, can also include nonvolatile memory, and a for example, at least disk memory, flush memory device or other volatibility are solid State memory device.
Input unit 1530 can be used for receiving the number or character information of input, and generate with the user setting of mobile phone with And the related key signals input of function control.Specifically, input unit 1530 may include touch panel 1531 and other inputs Equipment 1532.Touch panel 1531, also referred to as touch screen collect touch operation (such as the user of user on it or nearby Use the behaviour of any suitable object or attachment such as finger, stylus on touch panel 1531 or near touch panel 1531 Make), and corresponding attachment device is driven according to preset formula.Optionally, touch panel 1531 may include touch detection Two parts of device and touch controller.Wherein, the touch orientation of touch detecting apparatus detection user, and detect touch operation band The signal come, transmits a signal to touch controller;Touch controller receives touch information from touch detecting apparatus, and by it It is converted into contact coordinate, then gives processor 1580, and order that processor 1580 is sent can be received and executed.In addition, Touch panel 1531 can be realized using multiple types such as resistance-type, condenser type, infrared ray and surface acoustic waves.In addition to touch surface Plate 1531, input unit 1530 can also include other input equipments 1532.Specifically, other input equipments 1532 may include But in being not limited to physical keyboard, function key (such as volume control button, switch key etc.), trace ball, mouse, operating stick etc. It is one or more.
Display unit 1540 can be used for showing information input by user or be supplied to user information and mobile phone it is each Kind menu.Display unit 1540 may include display panel 1541, optionally, can use liquid crystal display (Liquid Crystal Display, LCD), the forms such as Organic Light Emitting Diode (Organic Light-Emitting Diode, OLED) To configure display panel 1541.Further, touch panel 1531 can cover display panel 1541, when touch panel 1531 detects After arriving touch operation on it or nearby, processor 1580 is sent to determine the type of touch event, is followed by subsequent processing device 1580 provide corresponding visual output according to the type of touch event on display panel 1541.Although in Fig. 3, touch panel 1531 and display panel 1541 are the input and input function for realizing mobile phone as two independent components, but in certain realities Apply in example, can be integrated by touch panel 1531 and display panel 1541 and that realizes mobile phone output and input function.
Mobile phone may also include at least one sensor 1550, such as optical sensor, motion sensor and other sensors. Specifically, optical sensor may include ambient light sensor and proximity sensor, wherein ambient light sensor can be according to ambient light Light and shade adjust the brightness of display panel 1541, proximity sensor can close display panel when mobile phone is moved in one's ear 1541 and/or backlight.As a kind of motion sensor, accelerometer sensor can detect in all directions (generally three axis) and add The size of speed can detect that size and the direction of gravity when static, can be used to identify application (such as the horizontal/vertical screen of mobile phone posture Switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, tap) etc.;Also as mobile phone The other sensors such as configurable gyroscope, barometer, hygrometer, thermometer, infrared sensor, details are not described herein.
Voicefrequency circuit 1560, loudspeaker 1561, microphone 1562 can provide the audio interface between user and mobile phone.Audio Electric signal after the audio data received conversion can be transferred to loudspeaker 1561, be converted by loudspeaker 1561 by circuit 1560 For voice signal output;On the other hand, the voice signal of collection is converted to electric signal by microphone 1562, by voicefrequency circuit 1560 Audio data is converted to after reception, then by after the processing of audio data output processor 1580, through RF circuit 1510 to be sent to ratio Such as another mobile phone, or audio data is exported to memory 1520 to be further processed.
WiFi belongs to short range wireless transmission technology, and mobile phone can help user's transceiver electronics postal by WiFi module 1570 Part, browsing webpage and access streaming video etc., it provides wireless broadband internet access for user.Although Fig. 3 is shown WiFi module 1570, but it is understood that, and it is not belonging to must be configured into for mobile phone, it can according to need do not changing completely Become in the range of the essence of invention and omits.
Processor 1580 is the control centre of mobile phone, using the various pieces of various interfaces and connection whole mobile phone, By running or execute the software program and/or module that are stored in memory 1520, and calls and be stored in memory 1520 Interior data execute the various functions and processing data of mobile phone, to carry out integral monitoring to mobile phone.Optionally, processor 1580 may include one or more processing units;Preferably, processor 1580 can integrate application processor and modulation /demodulation processing Device, wherein the main processing operation system of application processor, user interface and application program etc., modem processor is mainly located Reason wireless communication.It is understood that above-mentioned modem processor can not also be integrated into processor 1580.
Mobile phone further includes the power supply 1590 (such as battery) powered to all parts, it is preferred that power supply can pass through power supply Management system and processor 1580 are logically contiguous, to realize management charging, electric discharge and power consumption pipe by power-supply management system The functions such as reason.
Although being not shown, mobile phone can also include camera, bluetooth module etc., and details are not described herein.
It is apparent to those skilled in the art that for convenience and simplicity of description, the module of foregoing description, The specific work process of related work unit and device, can refer to corresponding processes in the foregoing method embodiment, herein no longer It repeats.
In 2 embodiments provided herein, it should be understood that disclosed method, system, device, module and/ Or unit, it may be implemented in other ways.For example, embodiment of the method described above is only schematical, for example, The division of the module, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple Module or component can be combined or can be integrated into another system, or some features can be ignored or not executed.The work It may or may not be physically separated for the unit of separate part description, component shown as a unit can be Or it may not be physical unit, it can it is in one place, or may be distributed over multiple network units.It can be with Some or all of the units may be selected to achieve the purpose of the solution of this embodiment according to the actual needs.
The above is only some embodiments of the invention, it is noted that for the ordinary skill people of the art For member, various improvements and modifications may be made without departing from the principle of the present invention, these improvements and modifications are also answered It is considered as protection scope of the present invention.

Claims (10)

1. a kind of method of timing payment, which comprises the steps of:
Payment request is obtained, includes the means of payment, payment amount, time of payment, payment time of payer in the payment request Number, name and ID card No., the means of payment include two dimensional code, RF passive label and bank's card number;
The payment request is verified, if being verified, to other block chain node broadcasts payment request;If verifying is not led to It crosses, retracts the payment request.
2. further including parsing the payment the method according to claim 1, wherein verifying the payment request Request verifies the payment information check code with obtaining the payment information check code in payment request.
3. according to the method described in claim 2, it is characterized in that, parsing the payment request to obtain the branch in payment request Information checking code is paid, refers to, the payment request is parsed to obtain the disbursement letter in payment request according to QR standard analysis mode Cease check code.
4. method according to claim 1 to 3, which is characterized in that the payment request passes through Hash enciphered method Encryption.
5. according to the method described in claim 4, it is characterized in that, the payment information check code is hash check code.
6. a kind of payment mechanism based on block chain characterized by comprising
Module is obtained, includes the means of payment, payment amount, the branch of payer for obtaining payment request, in the payment request Time, payment times, name and ID card No. are paid, the means of payment includes two dimensional code, RF passive label and bank's card number;
Verification processing module, for verifying the payment request, if being verified, to the payment of other block chain node broadcasts Request;If verifying does not pass through, the payment request is retracted.
7. device according to claim 6, which is characterized in that it further include parsing module,
The parsing module is for parsing the payment request to obtain the payment information check code in payment request.
8. device according to claim 7, which is characterized in that the parsing module parses institute according to QR standard analysis mode Payment request is stated to obtain the payment information check code in payment request.
9. according to device described in claim 6-8 any one, which is characterized in that the payment request passes through Hash enciphered method Encryption.
10. device according to claim 9, which is characterized in that the payment information check code is hash check code.
CN201811023464.9A 2018-09-04 2018-09-04 Method and device for timed payment Pending CN109146486A (en)

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Application Number Priority Date Filing Date Title
CN201811023464.9A CN109146486A (en) 2018-09-04 2018-09-04 Method and device for timed payment

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107077674A (en) * 2016-12-29 2017-08-18 深圳前海达闼云端智能科技有限公司 Transaction verification processing method and device and node equipment
US20170243212A1 (en) * 2016-02-22 2017-08-24 Bank Of America Corporation System for implementing a distributed ledger across multiple network nodes
CN107392769A (en) * 2017-08-04 2017-11-24 现在(北京)支付股份有限公司 Method of payment is withheld based on block chain technology
CN107423973A (en) * 2017-08-04 2017-12-01 现在(北京)支付股份有限公司 The method of payment of passive barcode scanning on customer mobile terminal based on block chain technology

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20170243212A1 (en) * 2016-02-22 2017-08-24 Bank Of America Corporation System for implementing a distributed ledger across multiple network nodes
CN107077674A (en) * 2016-12-29 2017-08-18 深圳前海达闼云端智能科技有限公司 Transaction verification processing method and device and node equipment
CN107392769A (en) * 2017-08-04 2017-11-24 现在(北京)支付股份有限公司 Method of payment is withheld based on block chain technology
CN107423973A (en) * 2017-08-04 2017-12-01 现在(北京)支付股份有限公司 The method of payment of passive barcode scanning on customer mobile terminal based on block chain technology

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Application publication date: 20190104