CN109359968A - A kind of method of payment, device, electronic equipment and payment label - Google Patents
A kind of method of payment, device, electronic equipment and payment label Download PDFInfo
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- CN109359968A CN109359968A CN201811135990.4A CN201811135990A CN109359968A CN 109359968 A CN109359968 A CN 109359968A CN 201811135990 A CN201811135990 A CN 201811135990A CN 109359968 A CN109359968 A CN 109359968A
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- Prior art keywords
- payment
- information
- label
- transaction request
- base station
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- 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
-
- 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
- G06Q20/405—Establishing or using transaction specific rules
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
Abstract
The application embodiment discloses a kind of method of payment, device, electronic equipment and payment label, wherein method of payment includes: to obtain merchant information from payment label；The amount information that user inputs according to the merchant information is obtained, generates transaction request information using the amount information in the case where passing through authentication；The transaction request information is sent to receiving server, so that the receiving server determines the corresponding base station Zigbee according to the transaction request information, the safety of counterpart expenditure label is determined by the base station Zigbee, in the case where the payment tag security, the legitimacy for verifying the transaction request information executes in the case where the transaction request information legitimacy and tests close payment.
Description
Technical field
This application involves secure data processing technology field, in particular to a kind of method of payment, device, electronic equipment and branch
Pay label.
Background technique
With the fast development of internet, the mobile terminals such as smart phone, tablet computer are popularized on a large scale, information storage and
The progress of transmission technology is so that the form and application scenarios of mobile payment are more and more abundant, the office for a variety of means of payment occur and depositing
Face.
Currently, most important two kinds of mobile payment modes are using two dimensional code as the payment of the figure of representative, NFC payment.Wherein,
NFC payment carrier is smart phone, since NFC module not yet becomes the standard configuration of mobile phone, so temporarily without a kind of versatility,
Open, cheapness communication mechanism, thus market scale, development speed are paid not as good as two dimensional code.Although two dimensional code payment with
Family acceptance is high, but its development also has certain obstruction, and existing maximum problem is exactly safety.Because existing figure is base
It is generated in intelligent mobile terminal, is easy to be replicated or replace, safety is very poor, and existing figure such as two dimensional code, does not have
Authentication and transaction data confirm function, this is just affected using two dimensional code as the quick of the graphics transport of representative and the means of payment
Development.
Summary of the invention
The purpose of the application embodiment is to provide a kind of method of payment, device, electronic equipment and payment label, solves mesh
Preceding two dimensional code payment transreplication, safety low problem and NFC payment opening, the problem of replicability difference, are mobile payment
Process provides a kind of general, open, safe, convenient and fast, cheap communication mechanism and solution.
To achieve the above object, the application embodiment provides a kind of method of payment, comprising:
Merchant information is obtained from payment label；
The amount information that user inputs according to the merchant information is obtained, in the case where passing through authentication using described
Amount information generates transaction request information；
The transaction request information is sent to receiving server, so that the receiving server is according to the transaction request
Information determines the corresponding base station Zigbee, the safety of counterpart expenditure label is determined by the base station Zigbee, in the branch
In the case where paying tag security, the legitimacy of the transaction request information is verified, in the feelings of the transaction request information legitimacy
It is executed under condition and tests close payment.
Preferably, from payment label on obtain merchant information the step of include:
NFC induction chip or reading two-dimensional code electronic paper obtain in scanning non-contact in allowed band payment label
Cipher-text information；
The cipher-text information is parsed, merchant information is obtained.
To achieve the above object, the application embodiment provides a kind of method of payment, comprising:
Obtain transaction request information；
The transaction request information is parsed, merchant information is obtained；
The corresponding base station Zigbee is confirmed according to the merchant information, and sends inquiry payment to the corresponding base station Zigbee
Tag state instruction；
The location information that the payment label is obtained from the base station Zigbee, according to the location information of the payment label
Determine the safety of the payment label；
In the case where the payment tag security, the legitimacy of the transaction request information is verified, is asked in the transaction
It is executed in the case where seeking information legitimacy and tests close payment.
Preferably, according to it is described payment tag state determine it is described payment label safety the step of include:
Whether payment label described in the position information confirming sended over by the base station Zigbee is in payment and limits
In region；Wherein, it is in payment limited area in the payment label, it is determined that the payment label is in a safe condition；
Otherwise, it is determined that the payment label is in non-secure states.
To achieve the above object, the application embodiment provides a kind of payment label, comprising:
NFC payment chip, for storing merchant information, when carrying out contactless communication with user's payment terminal, so that with
Family payment terminal obtains merchant information；
Wireless telecommunications coil carries out contactless communication for realizing with user's payment terminal；
Two-dimensional code electronic paper, for showing the two-dimensional barcode information for being stored with merchant information；And receive control command modification two
Tie up code information；
Zigbee communication chip is communicated for the wireless network based on Zigbee protocol with the base station Zigbee, so that
The base station Zigbee positions the payment label.
To achieve the above object, the application embodiment provides a kind of payment mechanism, comprising:
Merchant information acquiring unit, for obtaining merchant information from payment label；
Transaction request information generation unit, the amount information inputted for obtaining user according to the merchant information, logical
Amount information generation transaction request information is utilized in the case where crossing authentication；
Transmission unit, for the transaction request information to be sent to acquiring system, so that the acquiring system is according to institute
It states transaction request information and determines the corresponding base station Zigbee, the safety of counterpart expenditure label is determined by the base station Zigbee
Property, in the case where the payment tag security, the legitimacy of the transaction request information is verified, in the transaction request information
It is executed in the case where legitimacy and tests close payment.
Preferably, the merchant information acquiring unit includes:
Scan module, for NFC induction chip or scanning two in scanning non-contact in allowed band payment label
It ties up code Electronic Paper and obtains cipher-text information；
Parsing module obtains merchant information for parsing to the cipher-text information.
To achieve the above object, the application embodiment provides a kind of payment mechanism, comprising:
Receiving unit, for obtaining transaction request information；
Resolution unit obtains merchant information for parsing to the transaction request information；
Tag state query unit is paid, for confirming the corresponding base station Zigbee according to the merchant information, and to right
The base station Zigbee answered sends inquiry payment tag state instruction；
Safety confirmation unit, for obtaining the location information of the payment label from the base station Zigbee, according to institute
The location information for stating payment label determines the safety of the payment label；
Close payment unit is tested, for verifying the conjunction of the transaction request information in the case where payment tag security
Method executes in the case where the transaction request information legitimacy and tests close payment.
Preferably, the safety confirmation unit is specifically used for the location information sended over by the base station Zigbee
Confirm whether the payment label is in payment limited area；Wherein, it is in payment limited area in the payment label,
Then determine that the payment label is in a safe condition；Otherwise, it is determined that the payment label is in non-secure states.
To achieve the above object, the application embodiment provides a kind of electronic equipment, including memory, processor and deposits
The computer program that can be run on the memory and on the processor is stored up, the processor executes the computer journey
Method of payment described above is realized when sequence.
Therefore compared with prior art, the technical program is disposed in which can be convenient by dedicated payment label
To all kinds of small-sized trade companies, bank Shou Dan trade company development cost is reduced.In addition, the technical program can well solve each trade company's mark
Label are forged, cover, and generate the fishing behavior such as malice two dimensional code, solve the safety problem of existing barcode scanning payment.Meanwhile this technology
Scheme can be very good to solve the risk that list is received by Xian Xia trade company, promotes Xian Xia trade company to receive single conjunction and advises operation.
Detailed description of the invention
It, below will be to embodiment in order to illustrate more clearly of the application embodiment or technical solution in the prior art
Or attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
It is some embodiments as described in this application, for those of ordinary skill in the art, in not making the creative labor property
Under the premise of, it is also possible to obtain other drawings based on these drawings.
Fig. 1 provides a kind of one of method of payment flow chart for the application embodiment；
Fig. 2 is the two of a kind of method of payment flow chart provided by the embodiments of the present application；
Fig. 3 is a kind of payment label function block diagram that the embodiment of the present application proposes；
Fig. 4 is the payment label schematic diagram of the present embodiment；
Fig. 5 is that NFC payment chip functions block diagram in label is paid in the present embodiment；
Fig. 6 is one of a kind of payment mechanism functional block diagram that the embodiment of the present application proposes；
Fig. 7 is the two of a kind of payment mechanism functional block diagram that the embodiment of the present application proposes；
Fig. 8 is the payment system schematic diagram of the present embodiment；
Fig. 9 is a kind of electronic equipment schematic diagram that the embodiment of the present application proposes.
Specific embodiment
Below in conjunction with attached drawing, the technical solution in the embodiment of the present disclosure is clearly and completely described with reference to attached
The non-limiting example embodiment for showing in figure and being described in detail in the following description, the example that the disclosure is more fully described below are implemented
Example and their various features and Advantageous details.It should be noted that feature shown in figure is not required to be drawn to scale.This
The open description that known materials, component and technology is omitted, to not make the example embodiment of the disclosure fuzzy.It is given
Example be only intended to be conducive to understand the implementation of disclosure example embodiment, and further enable those skilled in the art real
Apply example embodiment.Thus, these examples are understood not to the limitation to the range of embodiment of the disclosure.
Unless otherwise specifically defined, the technical term or scientific term that the disclosure uses should be disclosure fields
The ordinary meaning that the interior personage with general technical ability is understood." first ", " second " used in the disclosure and similar word
Language is not offered as any sequence, quantity or importance, and is used only to distinguish different component parts.In addition, in the disclosure
In each embodiment, same or similar reference label indicates same or similar component.
NFC technique is evolved by RFID radio frequency identification, and compatible RFID technique.NFC close range wireless communication is near field
The mainstream technology of payment, it is a kind of short-range high frequency wireless communication technique, allows to carry out between electronic equipment contactless
Point-to-Point Data Transmission exchanges data.ZigBee technology is a kind of short distance, low complex degree, low-power consumption, low rate, low cost
Bidirectional wireless communication technology.It is mainly used for being counted between the not high various electronic equipments of short, low in energy consumption and transmission rate
According to the application for transmitting and typically having periodic data, intermittent data and the transmission of low reaction time data.The technical program
A kind of payment scheme based on NFC, two dimensional code and ZigBee technology is provided, and provides a kind of payment mark based on the payment scheme
Label.
What the invention provided pays label based on the trade company of NFC and ZigBee technology, which is integrated with based on NFC
The NFC payment chip of technology, when distribution pays label, by the way that merchant identification information and signature are written in NFC payment chip
The information such as trade company's certificate, to ensure the uniqueness of the payment label.Pay the quotient of the merchant identification information and signature in label
Family certificate repeatedly disperses encryption using the dispersion factors such as root key and ground area code, trade company number and obtains, and stores phase using firmware
Information is closed, to guarantee the safe handling after information export or export.Label is paid simultaneously is also embedded in electronic-paper display screen use
To support two dimensional code to pay, and mobile phone connection real-time update two dimensional code can be used.In addition, being further comprised in payment label
Zigbee communication chip, battery etc..It can be communicated with the nigh base station ZigBee is disposed by Zigbee communication chip
And the location information for paying label is sent to payment server by positioning, the base station Zigbee, payment server can determine payment
Whether label is in payment limited area.When paying label position change beyond payment limited area, user terminal can go out
Now pay unsuccessful prompt.Trade company reads payment label by merchant tenninal at this time, verifies process by certain merchant identification,
Location information of registering is sent to payment server, the payment flow can be reactivated after resetting payment label position success.Quotient
State of the long-range managing payment label of merchant tenninal in payment process also can be used in family.
Based on foregoing description, as shown in Figure 1, providing a kind of one of method of payment flow chart for the application embodiment.Its
In, the method for payment can be applied in user terminal.Specifically, the payment terminal can be smart phone, plate electricity
Brain or the other similar moveable smart machine with NFC communication function.NFC payment application is mounted in the equipment.At this
In embodiment, the smart machine can be an electronics with data operation, store function and network interaction function
Equipment；Or run in the electronic equipment, the software of support is provided for data processing, storage and network interaction.At this
The quantity of the smart machine is not limited in embodiment specifically.Include:
Step 101): merchant information is obtained from payment label；
In the present embodiment, include: from the step of obtaining merchant information on label is paid
NFC induction chip or reading two-dimensional code electronic paper obtain in scanning non-contact in allowed band payment label
Cipher-text information；
The cipher-text information is parsed, merchant information is obtained.
Step 102): the amount information that user inputs according to the merchant information is obtained, the case where passing through authentication
It is lower to generate transaction request information using the amount information；
Step 103): being sent to receiving server for the transaction request information, so that the receiving server is according to institute
It states transaction request information and determines the corresponding base station Zigbee, the safety of counterpart expenditure label is determined by the base station Zigbee
Property, in the case where the payment tag security, the legitimacy of the transaction request information is verified, in the transaction request information
It is executed in the case where legitimacy and tests close payment.
As shown in Fig. 2, being the two of a kind of method of payment flow chart provided by the embodiments of the present application.Wherein, the payer
Method can be applied in payment server.Specifically, the payment server can be is related to handing over when being capable of providing execution transaction
The server apparatus of easy data and finance data processing.In the present embodiment, the payment server can have for one
The electronic equipment of data operation, store function and network interaction function；Or run in the electronic equipment, it is data
Processing, storage and network interaction provide the software supported.Do not limit the payment server specifically in the present embodiment
Quantity.Include:
Step 201): transaction request information is obtained；
Step 202): parsing the transaction request information, obtains merchant information；
Step 203): the corresponding base station Zigbee is confirmed according to the merchant information, and is sent out to the corresponding base station Zigbee
Send inquiry payment tag state instruction；
Step 204): the location information of the payment label is obtained from the base station Zigbee, according to the payment label
Location information determine it is described payment label safety；
In the present embodiment, according to it is described payment tag state determine it is described payment label safety the step of include:
Whether payment label described in the position information confirming sended over by the base station Zigbee is in payment and limits
In region；Wherein, it is in payment limited area in the payment label, it is determined that the payment label is in a safe condition；
Otherwise, it is determined that the payment label is in non-secure states.
Step 205): in the case where the payment tag security, the legitimacy of the transaction request information is verified, in institute
It is executed in the case where stating transaction request information legitimacy and tests close payment.
As shown in figure 3, a kind of payment label function block diagram proposed for the embodiment of the present application.Include:
NFC payment chip a, for storing merchant information, when carrying out contactless communication with user's payment terminal, so that with
Family payment terminal obtains merchant information；
Wireless telecommunications coil b carries out contactless communication for realizing with user's payment terminal；
Two-dimensional code electronic paper c, for showing the two-dimensional barcode information for being stored with merchant information；And receive control command modification two
Tie up code information；
Zigbee communication chip d is communicated for the wireless network based on Zigbee protocol with the base station Zigbee, so that
The base station Zigbee positions the payment label.
In the present embodiment, above-mentioned functional module is arranged on label carrier panel.As shown in figure 4, being the present embodiment
Payment label schematic diagram.It include: label carrier panel 401, Zigbee communication chip d, NFC payment label a, two-dimensional code electronic
Paper c, battery 402, wireless communication coil b.
The label carrier panel 401, as the carrier panel of entire label, using the high PVC of low cost, durability
Material production.
Zigbee communication chip d is mainly responsible for be communicated with the base station Zigbee, and the base station Zigbee can be by being based on
The wireless network of Zigbee protocol carries out long range positioning management to payment label, if payment label position not in specified region,
Receiving server can control whether transaction continues.
NFC payment chip a is mainly responsible for and carries out induction communication with the NFC payment application installed in user terminal, and inside adds
It is close to store merchant information.It is detailed in Fig. 5.In Fig. 5, NFC payment chip mainly include card base 501, data memory module 502,
Security module 503, short-range communication module 504, plant-grid connection module 505.Wherein, card base 501 mainly undertakes entire payment
The carrying effect of each module of NFC payment chip in label.Data memory module 502 stores trade company using firmware encrypting and believes
Breath, be it is irreversible, to prevent inexpensive duplication.Security module 503, the friendship being responsible between encryption payment label and user terminal
Easy message ensures can not intercepting for transaction message by the way of hardware encryption, can not debugging property.Short-range communication module 504 is born
Non-contact data between duty payment label and user terminal interacts, to support payment label induction triggering NFC payment transaction.Electricity
Source AM access module 505, the power supply in label will be paid by, which being responsible for, introduces for payment label use.
Two-dimensional code electronic paper c is the display device of a kind of low energy consumption, low cost.Being powered can be by controlling merchant tenninal
Using special data line connection payment label, the two-dimensional barcode information of operation modification display, when no power, that is, static status display payment
The two dimensional code of label current setting.It is mainly responsible for is communicated with the two dimensional code payment application installed in user terminal, internal
Encryption stores merchant information.
The predominantly entire payment label of battery 402 provides power supply, using the stemness battery of low cost.If necessary may be used
Support extrapolation common voltage power supply.
Wireless communication coil b main function is that payment label and user terminal is supported to carry out non-contact transaction, is completed wireless
Communication.
As shown in fig. 6, one of a kind of payment mechanism functional block diagram proposed for the embodiment of the present application.Include:
Merchant information acquiring unit 601, for obtaining merchant information from payment label；
Transaction request information generation unit 602, the amount information inputted for obtaining user according to the merchant information,
Transaction request information is generated using the amount information in the case where by authentication；
Transmission unit 603, for the transaction request information to be sent to acquiring system so that the acquiring system according to
The transaction request information determines the corresponding base station Zigbee, and the safety of counterpart expenditure label is determined by the base station Zigbee
Property, in the case where the payment tag security, the legitimacy of the transaction request information is verified, in the transaction request information
It is executed in the case where legitimacy and tests close payment.
In the present embodiment, the merchant information acquiring unit 601 includes:
Scan module, for NFC induction chip or scanning two in scanning non-contact in allowed band payment label
It ties up code Electronic Paper and obtains cipher-text information.
In the present embodiment, when scan module is the camera of mobile phone or other mobile devices, two-dimensional code scanning is opened
Function, alignment pay the two dimensional code in label 2, that is, the merchant data in two dimensional code can be read, and complete after data parse in user
The automatic spring transaction payment page in terminal.It is mainly responsible for two dimensional code in user terminal and payment label and carries out data interaction.It sweeps
Once retouch the NFC payment that module is mobile phone or other mobile devices in application, user terminal and payment label close contact,
NFC payment software becomes the automatic spring transaction payment page.It is mainly responsible for user terminal and pays the data that label interacts and hand over
Mutually.
Parsing module obtains merchant information for parsing to the cipher-text information.
As shown in fig. 7, the two of a kind of payment mechanism functional block diagram proposed for the embodiment of the present application.Include:
Receiving unit 701, for obtaining transaction request information；
Resolution unit 702 obtains merchant information for parsing to the transaction request information；
Tag state query unit 703 is paid, is used for according to the corresponding base station Zigbee of merchant information confirmation, and to
The corresponding base station Zigbee sends inquiry payment tag state instruction；
Safety confirmation unit 704, for obtaining the location information of the payment label from the base station Zigbee, according to
The location information of the payment label determines the safety of the payment label；
Close payment unit 705 is tested, for verifying the transaction request information in the case where payment tag security
Legitimacy executes in the case where the transaction request information legitimacy and tests close payment.
In the present embodiment, the safety confirmation unit is specifically used for the position sended over by the base station Zigbee
Set whether payment label described in validation of information is in payment limited area；Wherein, payment is in the payment label to limit
In region, it is determined that the payment label is in a safe condition；Otherwise, it is determined that the payment label is in non-secure states.
As shown in figure 8, being the payment system schematic diagram of the present embodiment.It include: user terminal 1, payment label 2, Zigbee
Base station 3, merchant tenninal 4, receiving server 5.User terminal 1 carries out induction or barcode scanning to payment label 2 by scan module,
User terminal 1 can trade with 5 payment authentication of receiving server in payment and complete to receive single simultaneously；Payment label 2 passes through
Zigbee wireless network and the base station Zigbee 3 carry out data interaction；The base station Zigbee 3 passes through cable network and receiving server 5
Carry out data interaction；Merchant tenninal 4 carries out data interaction by carrier network with receiving server 5.
In the present embodiment, user terminal 1 can be smart phone, tablet computer or other similar band NFC communication function
Can moveable equipment, be mounted with NFC payment application in the equipment, utilize the NFC payment in scan module and payment label
Chip carries out contactless interaction or scans the two-dimensional code to read merchant information, and inputs transaction amount, and each client has needed
When at payment transaction, it is necessary to input static password or complete the verification of fingerprint, facial characteristics.Client identity verifying complete after to
Receiving server 5 sends dynamic data authentication requests transaction and completes payment.
In the present embodiment, label 2, i.e., a kind of payment mechanism based on NFC, two dimensional code, including NFC are paid and incudes core
Piece, two-dimensional code electronic paper, Zigbee communication chip, battery etc..Encryption stores quotient in NFC induction chip, two-dimensional code electronic paper
Family information.Zigbee communication chip can carry out communication and data exchange by wireless network and the base station Zigbee.The installation cost
It is lower, it is easy to spread, and the NFC label by encryption is safer.In practical applications, NFC sense is read in the scanning of user terminal 1
The merchant information in chip is answered, data interaction is carried out with receiving server 5, verifies safety, the correctness of transaction.
In the present embodiment, the base station Zigbee 3 is connect with the Zigbee communication chip in payment label 2, can be marked to payment
Label are enabled, close management.Region control with high safety for payment label, once payment label leaves safety of payment area
Domain, the base station Zigbee can pay label by Zigbee protocol auto-network shutdown Zigbee, to prevent illegally stealing the generation of brush.
In the present embodiment, merchant tenninal 4, the software being mounted in the mobile devices such as trade company's mobile phone, tablet computer are born
Duty carries out data interaction with receiving server 5, and trade company can complete inquiry turnover in the application APP that merchant tenninal 4 is installed, check
The transaction such as transaction details.Merchant tenninal 4 can connect receiving server 5 and generate or update gathering two dimensional code, pass through data line
The two dimensional code that two-dimensional code electronic paper is shown in connection modification payment label 2, can also manage corresponding payment by receiving server 5
Label 2, the application for registration of achievable payment label nullify, check transaction record, check the daily managements such as transaction statistical information.
In the present embodiment, receiving server 5 are responsible for carrying out by cable network and the base station Zigbee 3, payment label 2
Data interaction.In payment transaction, receiving server 5 is responsible for receiving the payment request information of user terminal transmission, passes through
The base station Zigbee 3 determines the safety of payment label, and button account is completed after the legitimacy of checkout transaction.
As shown in figure 9, a kind of electronic equipment schematic diagram proposed for the embodiment of the present application.Including memory, processor with
And it is stored in the computer program that can be run on the memory and on the processor, the processor executes the calculating
Method of payment described above is realized when machine program.
The concrete function that the method for payment that this specification embodiment provides, memory and processor are realized, Ke Yiyu
Aforementioned embodiments in this specification contrast explanation, and can reach the technical effect of aforementioned embodiments, here just not
It repeats again.
In the present embodiment, the memory may include the physical unit for storing information, usually by information
It is stored again with the media using the methods of electricity, magnetic or optics after digitlization.Memory described in present embodiment again may be used
To include: to store the device of information, such as RAM, ROM in the way of electric energy；The device of information is stored in the way of magnetic energy, it is such as hard
Disk, floppy disk, tape, core memory, magnetic bubble memory, USB flash disk；Using the device of optical mode storage information, such as CD or DVD.
Certainly, there are also memories of other modes, such as quantum memory, graphene memory etc..
In the present embodiment, the processor can be implemented in any suitable manner.For example, the processor can be with
Take such as microprocessor or processor and storage can by (micro-) processor execute computer readable program code (such as
Software or firmware) computer-readable medium, logic gate, switch, specific integrated circuit (Application Specific
Integrated Circuit, ASIC), programmable logic controller (PLC) and the form etc. for being embedded in microcontroller.
In the present embodiment, the embodiment of the present application also provides a kind of readable storage medium storing program for executing, is stored thereon with computer program,
The computer program is performed the step of realizing method of payment described above.
Therefore the technical program solves the problems, such as that current two dimensional code payment transreplication, safety is low and NFC payment is opened
The problem of putting property, replicability difference provides a kind of general, opening, safe, convenient and fast, cheap for mobile payment process
Communication mechanism and solution.
In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example,
Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So
And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit.
Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause
This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device
(Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate
Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer
Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker
Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled
Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development,
And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language
(Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL
(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description
Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL
(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby
Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present
Integrated Circuit Hardware Description Language) and Verilog2.Those skilled in the art
It will be apparent to the skilled artisan that only needing method flow slightly programming in logic and being programmed into integrated circuit with above-mentioned several hardware description languages
In, so that it may it is readily available the hardware circuit for realizing the logical method process.
It is also known in the art that in addition to realizing client and server in a manner of pure computer readable program code
In addition, completely can by by method and step carry out programming in logic come so that client and server with logic gate, switch, dedicated
The form of integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc. realizes identical function.Therefore this client
It is considered a kind of hardware component with server, and the device for realizing various functions for including in it can also be regarded
For the structure in hardware component.Or even, can will be considered as realizing the device of various functions either implementation method
Software module can be the structure in hardware component again.
As seen through the above description of the embodiments, those skilled in the art can be understood that the application can
It realizes by means of software and necessary general hardware platform.Based on this understanding, the technical solution essence of the application
On in other words the part that contributes to existing technology can be embodied in the form of software products, the computer software product
It can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are used so that a computer equipment
(can be personal computer, server or the network equipment etc.) executes each embodiment of the application or embodiment
Method described in certain parts.
Each embodiment in this specification is described in a progressive manner, same and similar between each embodiment
Part may refer to each other, what each embodiment stressed is the difference with other embodiments.In particular, needle
For the embodiment of client and server, the introduction control for being referred to the embodiment of preceding method is explained.
The application can describe in the general context of computer-executable instructions executed by a computer, such as program
Module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, programs, objects, group
Part, data structure etc..The application can also be practiced in a distributed computing environment, in these distributed computing environments, by
Task is executed by the connected remote processing devices of communication network.In a distributed computing environment, program module can be with
In the local and remote computer storage media including storage equipment.
Although depicting the application by embodiment, it will be appreciated by the skilled addressee that there are many deformations by the application
With variation without departing from spirit herein, it is desirable to which the attached claims include these deformations and change without departing from the application
Spirit.
Claims (10)
1. a kind of method of payment characterized by comprising
Merchant information is obtained from payment label；
The amount information that user inputs according to the merchant information is obtained, the amount of money is utilized in the case where passing through authentication
Information generates transaction request information；
The transaction request information is sent to receiving server, so that the receiving server is according to the transaction request information
It determines the corresponding base station Zigbee, the safety of counterpart expenditure label is determined by the base station Zigbee, marked in the payment
In the case where signing safety, the legitimacy of the transaction request information is verified, in the case where the transaction request information legitimacy
Close payment is tested in execution.
2. method of payment as described in claim 1, which is characterized in that the step of obtaining merchant information from payment label is wrapped
It includes:
NFC induction chip or reading two-dimensional code electronic paper obtain ciphertext in scanning non-contact in allowed band payment label
Information；
The cipher-text information is parsed, merchant information is obtained.
3. a kind of method of payment characterized by comprising
Obtain transaction request information；
The transaction request information is parsed, merchant information is obtained；
The corresponding base station Zigbee is confirmed according to the merchant information, and sends inquiry payment label to the corresponding base station Zigbee
Status command；
The location information that the payment label is obtained from the base station Zigbee is determined according to the location information of the payment label
The safety of the payment label；
In the case where the payment tag security, the legitimacy of the transaction request information is verified, is believed in the transaction request
It is executed in the case where breath legitimacy and tests close payment.
4. method as claimed in claim 3, which is characterized in that determine the payment label according to the payment tag state
The step of safety includes:
Whether payment label described in the position information confirming sended over by the base station Zigbee is in payment limited area
It is interior；Wherein, it is in payment limited area in the payment label, it is determined that the payment label is in a safe condition；Otherwise,
Then determine that the payment label is in non-secure states.
5. a kind of payment label characterized by comprising
NFC payment chip, for storing merchant information, when carrying out contactless communication with user's payment terminal, so that user's branch
It pays terminal and obtains merchant information；
Wireless telecommunications coil carries out contactless communication for realizing with user's payment terminal；
Two-dimensional code electronic paper, for showing the two-dimensional barcode information for being stored with merchant information；And receive control command modification two dimensional code
Information；
Zigbee communication chip is communicated for the wireless network based on Zigbee protocol with the base station Zigbee, so that described
The base station Zigbee positions the payment label.
6. a kind of payment mechanism characterized by comprising
Merchant information acquiring unit, for obtaining merchant information from payment label；
Transaction request information generation unit, the amount information inputted for obtaining user according to the merchant information, is passing through body
Transaction request information is generated using the amount information in the case where part verifying；
Transmission unit, for the transaction request information to be sent to acquiring system, so that the acquiring system is according to the friendship
Easy solicited message determines the corresponding base station Zigbee, and the safety of counterpart expenditure label is determined by the base station Zigbee,
In the case where the payment tag security, the legitimacy of the transaction request information is verified, it is legal in the transaction request information
Property in the case where execute test close payment.
7. payment mechanism as claimed in claim 6, which is characterized in that the merchant information acquiring unit includes:
Scan module for the NFC induction chip in scanning non-contact in allowed band payment label or scans the two-dimensional code
Electronic Paper obtains cipher-text information；
Parsing module obtains merchant information for parsing to the cipher-text information.
8. a kind of payment mechanism characterized by comprising
Receiving unit, for obtaining transaction request information；
Resolution unit obtains merchant information for parsing to the transaction request information；
Tag state query unit is paid, for confirming the corresponding base station Zigbee according to the merchant information, and to corresponding
The base station Zigbee sends inquiry payment tag state instruction；
Safety confirmation unit, for obtaining the location information of the payment label from the base station Zigbee, according to the branch
The location information for paying label determines the safety of the payment label；
Close payment unit is tested, for verifying the legitimacy of the transaction request information in the case where payment tag security,
It is executed in the case where the transaction request information legitimacy and tests close payment.
9. payment mechanism as claimed in claim 8, which is characterized in that the safety confirmation unit is specifically used for by described
Whether payment label described in the position information confirming that the base station Zigbee sends over is in payment limited area；Wherein, in institute
It states payment label to be in payment limited area, it is determined that the payment label is in a safe condition；Otherwise, it is determined that the branch
It pays label and is in non-secure states.
10. a kind of electronic equipment, which is characterized in that including memory, processor and be stored on the memory and can be
The computer program run on the processor, which is characterized in that the processor realizes power when executing the computer program
Benefit requires method of payment described in 1-2 or claim 3~4 any one claim.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811135990.4A CN109359968A (en) | 2018-09-28 | 2018-09-28 | A kind of method of payment, device, electronic equipment and payment label |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811135990.4A CN109359968A (en) | 2018-09-28 | 2018-09-28 | A kind of method of payment, device, electronic equipment and payment label |
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| Publication Number | Publication Date |
|---|---|
| CN109359968A true CN109359968A (en) | 2019-02-19 |
Family
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| Application Number | Title | Priority Date | Filing Date |
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| CN201811135990.4A Pending CN109359968A (en) | 2018-09-28 | 2018-09-28 | A kind of method of payment, device, electronic equipment and payment label |
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| Country | Link |
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| CN110135838A (en) * | 2019-04-15 | 2019-08-16 | 深圳壹账通智能科技有限公司 | Electric paying method, device, computer equipment and storage medium |
| CN111192052A (en) * | 2020-01-03 | 2020-05-22 | 广东岭南通股份有限公司 | Payment method, payment server and payment terminal |
| CN111242608A (en) * | 2020-02-03 | 2020-06-05 | 中国银联股份有限公司 | Payment method, terminal, server and system |
| CN112990912A (en) * | 2021-03-19 | 2021-06-18 | 联想(北京)有限公司 | Data verification method and device based on payment code |
| CN113837744A (en) * | 2020-06-24 | 2021-12-24 | 中国银联股份有限公司 | Transaction data processing method, transaction data processing system and terminal |
| WO2023142441A1 (en) * | 2022-01-29 | 2023-08-03 | 中国银联股份有限公司 | Tag-based money receiving qr code payment method and payment device |
| CN112990912B (en) * | 2021-03-19 | 2024-04-19 | 联想(北京)有限公司 | Data verification method and device based on payment code |
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Application publication date: 20190219 |