CN109493023B - Mobile payment settlement method based on tamper-proof encryption algorithm - Google Patents

Mobile payment settlement method based on tamper-proof encryption algorithm Download PDF

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Publication number
CN109493023B
CN109493023B CN201811208222.7A CN201811208222A CN109493023B CN 109493023 B CN109493023 B CN 109493023B CN 201811208222 A CN201811208222 A CN 201811208222A CN 109493023 B CN109493023 B CN 109493023B
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payment
data
encrypted
decrypted
letter
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CN109493023A (en
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苏永锋
沈文临
曾一鸣
杨敬锋
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Zhuhai hengqinjing tongrongzhi Technology Information Co.,Ltd.
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Zhuhai Hengqinjing Tongrongzhi Technology Information Co ltd
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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
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/3823Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • 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
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions

Abstract

The invention belongs to the field of mobile payment, in particular to a mobile payment settlement method based on a tamper-proof encryption algorithm, which aims at the problems that when the existing mobile payment settlement is carried out, other people are easy to tamper the payment amount for payment, and the potential safety hazard is brought to the payment settlement of users, the following solutions are proposed, wherein the mobile payment settlement method based on the tamper-proof encryption algorithm comprises the following steps: s1, scanning the information of the payee through the mobile terminal to obtain the account of the payee, inputting the original payment amount through the mobile terminal to obtain the data of the original payment amount, encrypting the data of the original payment amount for the first time according to an encryption mode to obtain first encrypted data, and forming first encrypted recorded data. When the mobile payment settlement is carried out, the payment amount is encrypted, the third-party payment platform receives the encrypted data, the actual payment amount is not the encrypted data, other people cannot pay by tampering the payment amount, and the payment settlement is high in safety.

Description

Mobile payment settlement method based on tamper-proof encryption algorithm
Technical Field
The invention relates to the technical field of mobile payment, in particular to a mobile payment settlement method based on a tamper-proof encryption algorithm.
Background
Mobile payment, also known as mobile payment, is a service that allows users to use their mobile terminals (typically mobile phones) for financial payments of goods or services consumed. The unit or the individual directly or indirectly sends a payment instruction to the bank financial institution through the mobile equipment, the Internet or the close-range sensor to generate money payment and fund transfer behaviors, so that the mobile payment function is realized. The mobile payment integrates terminal equipment, the Internet, an application provider and a financial institution, and provides financial services such as currency payment and payment for a user. The mobile payment mainly comprises near-field payment and remote payment, wherein the near-field payment is that a mobile phone is used for swiping a card to sit on a car, buy things and the like, and is very convenient. Remote payment means that: the payment method is realized by sending a payment instruction (such as internet bank, telephone bank, mobile phone payment and the like) or by means of a payment tool (such as mailing and remittance), such as a palm e-commerce released by palm payment, palm recharge, palm video and the like, belongs to remote payment. At present, when clearing is carried out by adopting mobile payment, the problem that others falsify the payment amount to carry out payment exists, so that potential safety hazards are brought to the payment clearing of users, and the property safety of payers is influenced.
Disclosure of Invention
The mobile payment settlement method based on the tamper-proof encryption algorithm solves the problems that when the existing mobile payment settlement is carried out, others easily tamper the payment amount to carry out payment, potential safety hazards are brought to the payment settlement of users, and property safety of payers is affected.
In order to achieve the purpose, the invention adopts the following technical scheme:
the mobile payment settlement method based on the tamper-proof encryption algorithm comprises the following steps:
s1, scanning payee information through the mobile terminal to obtain a payee account, inputting original payment amount through the mobile terminal to obtain original payment amount data, encrypting the original payment amount data for the first time according to an encryption mode I by the mobile terminal to obtain first encrypted data, and forming first encrypted recorded data I;
s2, carrying out second encryption on the first encrypted data according to the second encryption mode to obtain second encrypted data and form second encrypted recorded data;
s3, inputting a payment password to the mobile terminal, wherein if the payment password is correct, the mobile terminal sends the second encrypted data to the third party payment platform, and if the payment password is incorrect, the second encrypted data is input again;
s4, the third party payment platform receives the second encrypted data, compares the second encrypted data with the second encrypted recorded data, and decrypts according to the first decryption mode to obtain the first decrypted data if the comparison is successful;
s5, the third party payment platform compares the first decrypted data with the encrypted recorded data in a first form, and if the comparison is successful, the third party payment platform decrypts the first decrypted data according to a second decryption mode to obtain decrypted payment amount;
s6, the third party payment platform compares the decrypted payment amount with the original payment amount, if the comparison is successful, the third party payment platform sends a remittance instruction to the electronic bank of the payer;
s7, the electronic bank receives the remittance instruction and transfers the remittance to the third party payment platform, the electronic bank generates the remittance record, the third party payment platform receives the remittance and generates the receiving record;
s8, the third party payment platform sends a random verification code to the mobile terminal, and the mobile terminal receives the random verification code and inputs a comparison verification code in a set time domain;
and S9, the third party payment platform obtains the comparison verification code, compares the comparison verification code with the random verification code, if the comparison is successful, the third party payment platform sends the remittance into the account of the receiver, and if the comparison is unsuccessful, the third party payment platform does not pay.
Preferably, the first encryption method in step S1 includes the following steps:
s01, converting the original payment data into corresponding quintuple character sequence;
and S02, reversing the head and the tail of the converted quintuple character sequence to obtain an encrypted quintuple character sequence, and obtaining first encrypted data.
Preferably, the second encryption method in step S2 includes the following steps:
s21, converting each digit of the encrypted wuzhi number character sequence into a letter according to B corresponding to 0, C corresponding to 1, D corresponding to 2, E corresponding to 3 and F corresponding to 4, and obtaining an encrypted letter sequence;
and S22, exchanging the first letter with the second letter of the encrypted letter sequence to obtain the second encrypted data.
Preferably, the first decryption method in step S4 includes the following steps:
s41, exchanging the positions of the first letter and the second letter in the second encrypted data to obtain a decrypted letter sequence;
s42, converting each letter in the decrypted letter sequence into a number according to 0 corresponding to B, 1 corresponding to C, 2 corresponding to D, 3 corresponding to E and 4 corresponding to F, and obtaining first decrypted data.
Preferably, the second decryption method in step S5 includes the following steps:
and S51, converting the converted digit sequence into decimal digits after the first digit and the last digit of the first decrypted data are converted into digit conversion positions, and obtaining the decrypted payment amount.
Preferably, in step S8, the time domain is set to two minutes, and the random verification code is a six-digit number.
Preferably, the step S9 is followed by the steps of:
and S10, the payment is successful, the third party payment platform sends a payment success receipt to the payer, the payment is unsuccessful, the third party payment platform returns the remittance to the bank account of the payer, and the payment failure information is sent to the payer.
Compared with the prior art, the invention has the beneficial effects that: after the user inputs the original payment amount, the original payment amount is encrypted by the first encryption mode and the second encryption mode, the original payment amount data is encrypted and converted into second encryption data, after the user successfully inputs the payment password, the third party payment platform receives the encrypted second encryption data instead of the original amount data, other people cannot tamper the payment amount, even if the user tampers, the third party payment platform cannot identify and cannot pay, the third party payment adopts the designed first decryption mode and the second decryption mode to decrypt the second encryption data to obtain the decrypted payment amount, the decrypted payment amount is compared with the original payment amount, after the comparison is successful, the verification code is sent to verify whether the third party payment amount is the user, the two types of the verification codes are successful to pay, and the payment settlement security of the payment is higher, the property of people is better protected, and the payment can be effectively prevented from being tampered by others.
Detailed Description
The technical solutions in the embodiments of the present invention are clearly and completely described below, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments
The mobile payment settlement method based on the tamper-proof encryption algorithm comprises the following steps:
s1, scanning payee information through the mobile terminal to obtain a payee account, inputting original payment amount through the mobile terminal to obtain original payment amount data, encrypting the original payment amount data for the first time according to an encryption mode I by the mobile terminal to obtain first encrypted data, and forming first encrypted recorded data I;
s2, carrying out second encryption on the first encrypted data according to the second encryption mode to obtain second encrypted data and form second encrypted recorded data;
s3, inputting a payment password to the mobile terminal, wherein if the payment password is correct, the mobile terminal sends the second encrypted data to the third party payment platform, and if the payment password is incorrect, the second encrypted data is input again;
s4, the third party payment platform receives the second encrypted data, compares the second encrypted data with the second encrypted recorded data, and decrypts according to the first decryption mode to obtain the first decrypted data if the comparison is successful;
s5, the third party payment platform compares the first decrypted data with the encrypted recorded data in a first form, and if the comparison is successful, the third party payment platform decrypts the first decrypted data according to a second decryption mode to obtain decrypted payment amount;
s6, the third party payment platform compares the decrypted payment amount with the original payment amount, if the comparison is successful, the third party payment platform sends a remittance instruction to the electronic bank of the payer;
s7, the electronic bank receives the remittance instruction and transfers the remittance to the third party payment platform, the electronic bank generates the remittance record, the third party payment platform receives the remittance and generates the receiving record;
s8, the third party payment platform sends a random verification code to the mobile terminal, and the mobile terminal receives the random verification code and inputs a comparison verification code in a set time domain;
and S9, the third party payment platform obtains the comparison verification code, compares the comparison verification code with the random verification code, if the comparison is successful, the third party payment platform sends the remittance into the account of the receiver, and if the comparison is unsuccessful, the third party payment platform does not pay.
The first encryption method in step S1 includes the following steps:
s01, converting the original payment data into corresponding quintuple character sequence;
and S02, reversing the head and the tail of the converted quintuple character sequence to obtain an encrypted quintuple character sequence, and obtaining first encrypted data.
The second encryption method in step S2 includes the following steps:
s21, converting each digit of the encrypted wuzhi number character sequence into a letter according to B corresponding to 0, C corresponding to 1, D corresponding to 2, E corresponding to 3 and F corresponding to 4, and obtaining an encrypted letter sequence;
and S22, exchanging the first letter with the second letter of the encrypted letter sequence to obtain the second encrypted data.
The first decryption method in step S4 includes the following steps:
s41, exchanging the positions of the first letter and the second letter in the second encrypted data to obtain a decrypted letter sequence;
s42, converting each letter in the decrypted letter sequence into a number according to 0 corresponding to B, 1 corresponding to C, 2 corresponding to D, 3 corresponding to E and 4 corresponding to F, and obtaining first decrypted data.
The second decryption method in step S5 includes the following steps:
and S51, converting the converted digit sequence into decimal digits after the first digit and the last digit of the first decrypted data are converted into digit conversion positions, and obtaining the decrypted payment amount.
In step S8, the time domain is set to two minutes, and the random verification code is a six-digit number.
The method further comprises the following steps after the step S9:
and S10, the payment is successful, the third party payment platform sends a payment success receipt to the payer, the payment is unsuccessful, the third party payment platform returns the remittance to the bank account of the payer, and the payment failure information is sent to the payer.
In the invention, after a user inputs an original payment amount, the original payment amount is encrypted by a first encryption mode and a second encryption mode, original payment amount data is encrypted and converted into second encrypted data, after the user successfully inputs a payment password, a third party payment platform receives the encrypted second encrypted data instead of the original amount data, other people cannot tamper the payment amount, the third party payment platform cannot identify and cannot pay, the third party payment adopts a designed first decryption mode and a second decryption mode to decrypt the second encrypted data to obtain a decrypted payment amount, the decrypted payment amount is compared with the original payment amount, after the comparison is successful, a verification code is sent to verify whether the third party payment amount is the user, the two types of the verification codes are successful to pay, and the security of payment clearing and settlement is higher, the property of people is better protected, and the payment can be effectively prevented from being tampered by others.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be considered to be within the technical scope of the present invention, and the technical solutions and the inventive concepts thereof according to the present invention should be equivalent or changed within the scope of the present invention.

Claims (5)

1. The mobile payment settlement method based on the tamper-proof encryption algorithm is characterized by comprising the following steps:
s1, scanning information of a payee through the mobile terminal to obtain an account of the payee, inputting an original payment amount through the mobile terminal to obtain original payment amount data, encrypting the original payment amount data for the first time through the mobile terminal according to a first encryption mode to obtain first encrypted data, and forming first encrypted recorded data, wherein the first encryption mode comprises the following steps:
s01, converting the original payment data into corresponding quintuple character sequence;
s02, reversing the head and the tail of the converted quintuple character sequence to obtain an encrypted quintuple character sequence and obtain first encrypted data;
s2, carrying out second encryption on the first encrypted data according to an encryption mode II to obtain second encrypted data and form encrypted recorded data II, wherein the encryption mode II comprises the following steps:
s21, converting each digit of the encrypted wuzhi number character sequence into a letter according to B corresponding to 0, C corresponding to 1, D corresponding to 2, E corresponding to 3 and F corresponding to 4, and obtaining an encrypted letter sequence;
s22, exchanging the first letter and the second letter of the encrypted letter sequence to obtain the second encrypted data;
s3, inputting a payment password to the mobile terminal, wherein if the payment password is correct, the mobile terminal sends the second encrypted data to the third party payment platform, and if the payment password is incorrect, the second encrypted data is input again;
s4, the third party payment platform receives the second encrypted data, compares the second encrypted data with the second encrypted recorded data, and decrypts according to the first decryption mode to obtain the first decrypted data if the comparison is successful;
s5, the third party payment platform compares the first decrypted data with the encrypted recorded data in a first form, and if the comparison is successful, the third party payment platform decrypts the first decrypted data according to a second decryption mode to obtain decrypted payment amount;
s6, the third party payment platform compares the decrypted payment amount with the original payment amount, if the comparison is successful, the third party payment platform sends a remittance instruction to the electronic bank of the payer;
s7, the electronic bank receives the remittance instruction and transfers the remittance to the third party payment platform, the electronic bank generates the remittance record, the third party payment platform receives the remittance and generates the receiving record;
s8, the third party payment platform sends a random verification code to the mobile terminal, and the mobile terminal receives the random verification code and inputs a comparison verification code in a set time domain;
and S9, the third party payment platform obtains the comparison verification code, compares the comparison verification code with the random verification code, if the comparison is successful, the third party payment platform sends the remittance into the account of the receiver, and if the comparison is unsuccessful, the third party payment platform does not pay.
2. The mobile payment settlement method based on the tamper-resistant encryption algorithm of claim 1, wherein the first decryption means in the step S4 comprises the following steps:
s41, exchanging the positions of the first letter and the second letter in the second encrypted data to obtain a decrypted letter sequence;
s42, converting each letter in the decrypted letter sequence into a number according to 0 corresponding to B, 1 corresponding to C, 2 corresponding to D, 3 corresponding to E and 4 corresponding to F, and obtaining first decrypted data.
3. The mobile payment settlement method based on the tamper-resistant encryption algorithm according to claim 2, wherein the second decryption mode in the step S5 comprises the following steps:
and S51, converting the converted digit sequence into decimal digits after the first digit and the last digit of the first decrypted data are converted into digit conversion positions, and obtaining the decrypted payment amount.
4. The mobile payment settlement method based on the tamper-resistant encryption algorithm of claim 1, wherein the time domain is set to two minutes and the random verification code is six digits in step S8.
5. The mobile payment settlement method based on the tamper-resistant encryption algorithm according to claim 2, further comprising the following steps after the step S9:
and S10, the payment is successful, the third party payment platform sends a payment success receipt to the payer, the payment is unsuccessful, the third party payment platform returns the remittance to the bank account of the payer, and the payment failure information is sent to the payer.
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