CN110163598A - Mobile offline electronic payment method and mobile offline electronic payment system - Google Patents
Mobile offline electronic payment method and mobile offline electronic payment system Download PDFInfo
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- CN110163598A CN110163598A CN201910441309.7A CN201910441309A CN110163598A CN 110163598 A CN110163598 A CN 110163598A CN 201910441309 A CN201910441309 A CN 201910441309A CN 110163598 A CN110163598 A CN 110163598A
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Classifications
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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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The application provides mobile offline electronic payment method, comprising the following steps: starts offline electronic payment mode when mobile terminal network communication abnormality；Mobile terminal receives payment instruction；Payment cipher, payment account title and timestamp are generated safety code according to payment instruction by mobile terminal；Safety code, user's unique identification and prime number are generated dynamic payment code by encryption by mobile terminal；Cash receiving terminal obtains consumption data；Cash receiving terminal scanning payment code；Cash receiving terminal verifies the legitimacy of payment code when offline；Cash receiving terminal is pre-stored in cash receiving terminal when code of paying the bill is legal according to the reading of user's unique identification and the spare balance information of payment account corresponding with user's unique identification；Cash receiving terminal carries out payment code information and consumption data when spare balance information is greater than consumption data locally-stored.This method can smoothly complete payment under offline, make the network problem of mobile payment no longer restricted movement terminal and cash receiving terminal.The application also provides mobile offline electronic payment system.
Description
[technical field]
This application involves field of computer technology, more particularly to mobile offline electronic payment method and mobile offline electronic payment system.
[background technique]
With the continuous development of mobile payment, mobile payment is increasingly accepted, but in existing mobile payment mode,
The equipment at mobile terminal and gathering end cannot be offline simultaneously, and especially the equipment at gathering end is it has to be ensured that real-time online, ability is really
Protecting mobile payment can smoothly complete, if the equipment at gathering end is in off-line state, existing mobile payment mode cannot be suitable
Benefit completes payment transaction, therefore existing mobile payment has limitation, cannot sufficiently meet the use demand of user.
[summary of the invention]
To solve the above-mentioned problems, this application provides mobile offline electronic payment method and mobile offline electronic payment systems.
The application is implemented by the following technical solutions:
Mobile offline electronic payment method, comprising the following steps:
Mobile terminal starts offline electronic payment mode in its network communication exception；
The mobile terminal receives payment instruction；
The mobile terminal according to the payment instruction will by encryption payment cipher, the payment account title by encryption with
And timestamp generates safety code；
The mobile terminal generates the safety code, user's unique identification and prime number within a preset period of time by encryption
Effective dynamic payment code；
Cash receiving terminal obtains consumption data；
The cash receiving terminal scans the payment code on the mobile terminal；
The cash receiving terminal passes through the legitimacy for code of paying the bill described in reversed arithmetic check when offline；
The cash receiving terminal is pre-stored in the cash receiving terminal according to user's unique identification reading when the payment code is legal
The spare balance information of payment account interior and corresponding with user's unique identification；
The cash receiving terminal the spare balance information be greater than the consumption data when by the payment code information and with it is described
The corresponding consumption data of code information of paying the bill carries out locally-stored.
Mobile offline electronic payment method as described above, the cash receiving terminal are greater than the consumption in the spare balance information
When data by the payment code information and consumption data corresponding with the payment code information carry out locally-stored step it
Afterwards, further comprising the steps of:
The cash receiving terminal by the payment code information and corresponding with the payment code information disappears when network communication is normal
Expense data are submitted to server-side automatically and carry out the verifying of payment code and consumption data clearance, and receive server-side and test payment code
Newest spare balance information transmitted by transmitted verification information and server-side after card.
Mobile offline electronic payment method as described above, further comprising the steps of:
The mobile terminal receives consumption data information transmitted by server-side when its network communication is normal.
Mobile offline electronic payment method as described above, the payment cipher are encrypted using MD5, the payment account name
Title is encrypted using BASE32.
Mobile offline electronic payment method as described above, the safety code, user's unique identification and prime number are carried out using SHA1
Encryption generates the dynamic payment code, and user's unique identification is the unique UID code in the whole world.
Disclosed herein as well is mobile offline electronic payment systems, including mobile terminal and cash receiving terminal, wherein
The mobile terminal includes:
Offline electronic payment control module is used to start offline electronic payment mode in mobile terminal network communication abnormality；
Command reception module is used to receive payment instruction；
Safety code generation module is used to that the payment cipher of encryption will to be passed through according to the payment instruction, by the payment of encryption
Name on account and timestamp generate safety code；
Payment code generation module is used to by encryption generate the safety code, user's unique identification and prime number pre-
If effective dynamic payment code in the period；
The cash receiving terminal includes:
Module is obtained, is used to obtain consumption data；
Scan module is used to scan payment code；
Correction verification module is used for when offline through the legitimacy for code of paying the bill described in reversed arithmetic check；
Balance information read module is used to be pre-stored in institute according to user's unique identification reading when the payment code is legal
It states in cash receiving terminal and the spare balance information of payment account corresponding with user's unique identification；
Memory module, be used for the spare balance information be greater than the consumption data when by the payment code information and with institute
It is locally-stored to state the corresponding consumption data progress of payment code information.
Mobile offline electronic payment system as described above, the mobile offline electronic payment system further includes server-side, the gathering
Terminal further include:
Information communication module is used for the payment code information and opposite with the payment code information when network communication is normal
The consumption data answered is submitted to server-side automatically and carries out the verifying of payment code and consumption data clearance, and receives server-side to payment code
Newest spare balance information transmitted by transmitted verification information and server-side after being verified.
Mobile offline electronic payment system as described above, the mobile offline electronic payment system further includes server-side, the movement
Terminal further include:
Consumption data receiving module is used to receive consumption data information transmitted by server-side when network communication is normal.
Mobile offline electronic payment system as described above, the payment cipher are encrypted using MD5, the payment account name
Title is encrypted using BASE32.
Mobile offline electronic payment system as described above, the safety code, user's unique identification and prime number are carried out using SHA1
Encryption generates the dynamic payment code, and user's unique identification is the unique UID code in the whole world.
Compared with prior art, the application has the following advantages:
1, in the application, mobile terminal can generate payment code under off-line state, and cash receiving terminal can scan under off-line state
And the payment code legitimacy on mobile terminal is verified, and gathering is pre-stored in by user's unique identification information reading on payment code
The spare balance information of payment account corresponding with user's unique identification information in terminal also can confirm that under offline convenient for trade company
Spending amount needed for the whether enough payment transactions of the account balance of user, if account balance is sufficient, cash receiving terminal is offline
It is under state that payment code and consumption data progress is locally-stored, unified clearance is carried out to off-line trading so as to subsequent, therefore mobile
Terminal and cash receiving terminal are also able to cooperate under off-line state smoothly completes payment movement, is no longer limited by the use of mobile payment
The network problem of mobile terminal and cash receiving terminal effectively meets the use demand of user.
2, in the application, the payment code on mobile terminal uses the combined generation of a variety of different Encryption Algorithm, with biography
The single Encryption Algorithm of system is compared, and payment system safety has been able to ascend, and effectively ensures the account fund safety of user.
[Detailed description of the invention]
In order to more clearly explain the technical solutions in the embodiments of the present application, needed in being described below to embodiment
Attached drawing is briefly described.
Fig. 1 is the flow chart of the first embodiment of mobile offline electronic payment method；
Fig. 2 is the flow chart of the second embodiment of mobile offline electronic payment method；
Fig. 3 is the structural schematic diagram of the first embodiment of mobile offline electronic payment system；
Fig. 4 is the structural schematic diagram of the second embodiment of mobile offline electronic payment system.
[specific embodiment]
As shown in Fig. 1 the idiographic flow schematic diagram of the first embodiment of mobile offline electronic payment method, the movement are propped up offline
Pay method the following steps are included:
S101, mobile terminal start offline electronic payment mode in network communication exception.
S102, the mobile terminal receive payment instruction.
In this step, payment instruction is inputted on mobile terminals by user to receive corresponding payment instruction.
S103, the mobile terminal will pass through the payment cipher of encryption according to the payment instruction, by the payment of encryption
Name on account and timestamp generate safety code.
In this step, the safety code is 32 safety codes, and the payment cipher is encrypted using MD5, the payment
Name on account is encrypted using BASE32.Wherein, MD5(Message Digest Algorithm 5) it is that computer safety field makes extensively
A kind of hash function, to provide the integrity protection of message.BASE32 is using 32 printable character (alphabetical A-Z
The scheme that any byte data is encoded with digital 2-7).
S104, the mobile terminal generate the safety code, user's unique identification and prime number pre- by encryption
If effective dynamic payment code in the period.
In this step, the dynamic payment code is 18 dynamic payment codes, the safety code, user's unique identification and big element
Number is encrypted using SHA1, specifically, user's unique identification is the unique UID(user identifier in the whole world) code, SHA1 is
Secure Hash Algorithm is primarily adapted for use in definition inside digital signature standard (Digital Signature Standard DSS)
Digital Signature Algorithm.The prime number generally access is worth biggish Big prime.Preferably, after dynamic payment code self-generating
In one minute effectively.
S105, cash receiving terminal obtain consumption data.
In this step, the particular transactions data inputted on cash receiving terminal by businessman according to real trade situation make to collect money
Terminal obtains corresponding consumption data.
S106, the cash receiving terminal scan the payment code on the mobile terminal.
S107, the cash receiving terminal pass through the legitimacy for code of paying the bill described in reversed arithmetic check when offline.
In this step, cash receiving terminal is included by obtaining in payment code to the reversed operation of payment code progress when offline
Safety code, user's unique identification and prime number information, and obtain payment cipher included in safety code, payment account title
And timestamp information, it is verified and is judged with the legitimacy to payment code.
S108, the cash receiving terminal are pre-stored in when the payment code is legal according to user's unique identification reading described
In cash receiving terminal and the spare balance information of payment account corresponding with user's unique identification.
S109, the cash receiving terminal is when the spare balance information is greater than the consumption data by the payment code information
It is carried out with consumption data corresponding with the payment code information locally-stored.
In this step, the transaction value data needed for the enough payment transactions of balance information of confirmation payment account, gathering
Terminal then carries out payment code information and consumption data locally-stored.
In the present embodiment, mobile terminal can generate payment code under off-line state, and cash receiving terminal can be under off-line state
The payment code legitimacy on mobile terminal is scanned and verified, and is pre-stored in by user's unique identification information reading on payment code
The spare balance information of payment account corresponding with user's unique identification information in cash receiving terminal also can under offline convenient for trade company
Spending amount needed for confirming the whether enough payment transactions of account balance of user, if account balance is sufficient, cash receiving terminal exists
It is under off-line state that payment code and consumption data progress is locally-stored, unified clearance is carried out to off-line trading so as to subsequent, therefore
Mobile terminal and cash receiving terminal be also able to cooperate under off-line state smoothly completes payment movement, make mobile payment use no longer by
It is limited to the network problem of mobile terminal and cash receiving terminal, effectively meets the use demand of user.
In addition, the payment code on mobile terminal uses, a variety of different Encryption Algorithm are combined to be generated, with traditional list
One Encryption Algorithm is compared, and payment system safety has been able to ascend, and effectively ensures the account fund safety of user.
As shown in Fig. 2 move the idiographic flow schematic diagram of the second embodiment of offline electronic payment method, the movement from
Line method of payment the following steps are included:
S201, mobile terminal start offline electronic payment mode in network communication exception.
S202, the mobile terminal receive payment instruction.
In this step, payment instruction is inputted on mobile terminals by user to receive corresponding payment instruction.
S203, the mobile terminal will pass through the payment cipher of encryption according to the payment instruction, by the payment of encryption
Name on account and timestamp generate safety code.
In this step, the safety code is 32 safety codes, and the payment cipher is encrypted using MD5, the payment
Name on account is encrypted using BASE32.Wherein, MD5(Message Digest Algorithm 5) it is that computer safety field makes extensively
A kind of hash function, to provide the integrity protection of message.BASE32 is using 32 printable character (alphabetical A-Z
The scheme that any byte data is encoded with digital 2-7).
S204, the mobile terminal generate the safety code, user's unique identification and prime number pre- by encryption
If effective dynamic payment code in the period.
In this step, the dynamic payment code is 18 dynamic payment codes, the safety code, user's unique identification and big element
Number is encrypted using SHA1, specifically, user's unique identification is the unique UID(user identifier in the whole world) code, SHA1 is
Secure Hash Algorithm is primarily adapted for use in definition inside digital signature standard (Digital Signature Standard DSS)
Digital Signature Algorithm.The prime number generally access is worth biggish Big prime.Preferably, after dynamic payment code self-generating
In one minute effectively.
S205, cash receiving terminal obtain consumption data.
In this step, the particular transactions data inputted on cash receiving terminal by businessman according to real trade situation make to collect money
Terminal obtains corresponding consumption data.
S206, the cash receiving terminal scan the payment code on the mobile terminal.
S207, the cash receiving terminal pass through the legitimacy for code of paying the bill described in reversed arithmetic check when offline.
In this step, cash receiving terminal is included by obtaining in payment code to the reversed operation of payment code progress when offline
Safety code, user's unique identification and prime number information, and obtain payment cipher included in safety code, payment account title
And timestamp information, it is verified and is judged with the legitimacy to payment code.
S208, the cash receiving terminal are pre-stored in when the payment code is legal according to user's unique identification reading described
In cash receiving terminal and the spare balance information of payment account corresponding with user's unique identification.
S209, the cash receiving terminal is when the spare balance information is greater than the consumption data by the payment code information
It is carried out with consumption data corresponding with the payment code information locally-stored.
S210, the cash receiving terminal when network communication is normal by the payment code information and with the payment code information phase
Corresponding consumption data is submitted to server-side automatically and carries out the verifying of payment code and consumption data clearance, and receives server-side to payment
Newest spare balance information transmitted by code verification information and server-side transmitted after being verified.
In this step, if server-side is proved to be successful payment code, server-side clears consumption data, to complete
The amount of money clearance entirely traded, if server-side to payment code authentication failed, stops clearing the amount of money of transaction.
Meanwhile when network communication is normal, in time receive and store from server-side send it is newest it is spare more than
Volume information, with the spare balance information prestored that timely updates, so that it is guaranteed that the accuracy traded under off-line state.
Further, the mobile offline electronic payment method is further comprising the steps of:
S211, the mobile terminal receive consumption data information transmitted by server-side when its network communication is normal.
In this step, mobile terminal can understand in time disappearing for oneself by receiving consumption data information in time convenient for consumer
Take situation.
As shown in Fig. 3 the structural schematic diagram of the first embodiment of offline electronic payment system is moved, the movement is propped up offline
The system of paying includes mobile terminal 11 and cash receiving terminal 12, wherein
The mobile terminal 11 includes offline electronic payment control module 111, command reception module 112,113 and of safety code generation module
Payment code generation module 114.
Offline electronic payment control module 111 is used to start offline electronic payment mode in network communication exception.
Command reception module 112 is for receiving payment instruction.Payment instruction is inputted by user to make command reception mould
Block 112 receives corresponding payment instruction
Safety code generation module 113 is used to that the payment cipher of encryption will to be passed through according to the payment instruction, by the payment of encryption
Name on account and timestamp generate safety code.The safety code is 32 safety codes, and the payment cipher is added using MD5
Close, the payment account title is encrypted using BASE32.Wherein, MD5(Message Digest Algorithm 5) it is that computer is pacified
The widely used a kind of hash function in full field, to provide the integrity protection of message.BASE32 is printable using 32
The scheme that character (alphabetical A-Z and number 2-7) encodes any byte data.
Code generation module 114 of paying the bill is used to generate the safety code, user's unique identification and prime number by encryption
Effective dynamic payment code within a preset period of time.The dynamic payment code is 18 dynamic payment codes, the safety code, user
Unique identification and Big prime are encrypted using SHA1, specifically, user's unique identification is the unique UID(user's mark in the whole world
Know symbol) code, SHA1 is Secure Hash Algorithm, is primarily adapted for use in digital signature standard (Digital Signature Standard
DSS) the Digital Signature Algorithm that the inside defines.The prime number generally access is worth biggish Big prime.Preferably, the dynamic payment
After code self-generating in one minute effectively.
The cash receiving terminal 12 includes obtaining module 121, scan module 122, correction verification module 123, balance information to read mould
Block 124 and memory module 125.
Module 121 is obtained for obtaining consumption data.Businessman, which inputs consumption data according to specific trading situation, to be made to obtain
Module 121 gets corresponding consumption data
Scan module 122 is for scanning payment code.
Correction verification module 123 when offline for passing through the legitimacy for code of paying the bill described in reversed arithmetic check.The calibration mode
Block 123, by carrying out reversed operation to payment code, obtains the safety code for being included in payment code, user's unique identification when offline
With prime number information, and payment cipher included in safety code, payment account title and timestamp information are obtained, to tackle
The legitimacy of money code is verified and is judged.
Balance information read module 124 is used to be prestored when the payment code is legal according to user's unique identification reading
In the cash receiving terminal and the spare balance information of payment account corresponding with user's unique identification.
Memory module 125 be used for the spare balance information be greater than the consumption data when by the payment code information with
Consumption data corresponding with the payment code information carries out locally-stored.
In the present embodiment, mobile terminal can generate payment code under off-line state, and cash receiving terminal can be under off-line state
The payment code legitimacy on mobile terminal is scanned and verified, and is pre-stored in by user's unique identification information reading on payment code
The spare balance information of payment account corresponding with user's unique identification information in cash receiving terminal also can under offline convenient for trade company
Spending amount needed for confirming the whether enough payment transactions of account balance of user, if account balance is sufficient, cash receiving terminal exists
It is under off-line state that payment code and consumption data progress is locally-stored, unified clearance is carried out to off-line trading so as to subsequent, therefore
Mobile terminal and cash receiving terminal be also able to cooperate under off-line state smoothly completes payment movement, make mobile payment use no longer by
It is limited to the network problem of mobile terminal and cash receiving terminal, effectively meets the use demand of user.
In addition, the payment code on mobile terminal uses the combined generation of a variety of different Encryption Algorithm in the present embodiment,
Compared with traditional single Encryption Algorithm, it has been able to ascend payment system safety, has effectively ensured the account fund safety of user.
As shown in Fig. 4 the structural schematic diagram of the second embodiment of offline electronic payment system is moved, the movement is propped up offline
The system of paying includes mobile terminal 21, cash receiving terminal 22 and server-side 23, wherein
The mobile terminal 21 include offline electronic payment control module 211, command reception module 212, safety code generation module 213,
Payment code generation module 214 and consumption data receiving module 215.
Offline electronic payment control module 211 is used to start offline electronic payment mode in network communication exception.
Command reception module 212 is for receiving payment instruction.Payment instruction is inputted by user to make command reception mould
Block 212 receives corresponding payment instruction
Safety code generation module 213 is used to that the payment cipher of encryption will to be passed through according to the payment instruction, by the payment of encryption
Name on account and timestamp generate safety code.The safety code is 32 safety codes, and the payment cipher is added using MD5
Close, the payment account title is encrypted using BASE32.Wherein, MD5(Message Digest Algorithm 5) it is that computer is pacified
The widely used a kind of hash function in full field, to provide the integrity protection of message.BASE32 is printable using 32
The scheme that character (alphabetical A-Z and number 2-7) encodes any byte data.
Code generation module 214 of paying the bill is used to generate the safety code, user's unique identification and prime number by encryption
Effective dynamic payment code within a preset period of time.The dynamic payment code is 18 dynamic payment codes, the safety code, user
Unique identification and Big prime are encrypted using SHA1, specifically, user's unique identification is the unique UID(user's mark in the whole world
Know symbol) code, SHA1 is Secure Hash Algorithm, is primarily adapted for use in digital signature standard (Digital Signature Standard
DSS) the Digital Signature Algorithm that the inside defines.The prime number generally access is worth biggish Big prime.Preferably, the dynamic payment
After code self-generating in one minute effectively.
Consumption data receiving module 215 is used to receive the letter of consumption data transmitted by server-side 23 when network communication is normal
Breath.
The cash receiving terminal 22 includes obtaining module 221, scan module 222, correction verification module 223, balance information to read mould
Block 224, memory module 225 and information communication module 226.
Module 221 is obtained for obtaining consumption data.Businessman, which inputs consumption data according to specific trading situation, to be made to obtain
Module 221 gets corresponding consumption data
Scan module 222 is for scanning payment code.
Correction verification module 223 when offline for passing through the legitimacy for code of paying the bill described in reversed arithmetic check.The calibration mode
Block 223, by carrying out reversed operation to payment code, obtains the safety code for being included in payment code, user's unique identification when offline
With prime number information, and payment cipher included in safety code, payment account title and timestamp information are obtained, to tackle
The legitimacy of money code is verified and is judged.
Balance information read module 224 is used to be prestored when the payment code is legal according to user's unique identification reading
In the cash receiving terminal 22 and the spare balance information of payment account corresponding with user's unique identification.
Memory module 225 be used for the spare balance information be greater than the consumption data when by the payment code information with
Consumption data corresponding with the payment code information carries out locally-stored.
Information communication module 226 be used for when network communication is normal by the payment code information and with the payment code information
Corresponding consumption data is submitted to server-side 23 automatically and carries out the verifying of payment code and consumption data clearance, and receives server-side 23
Newest spare balance information transmitted by transmitted verification information and server-side 23 after being verified to payment code.
In the present embodiment, mobile terminal can generate payment code under off-line state, and cash receiving terminal can be under off-line state
The payment code legitimacy on mobile terminal is scanned and verified, and is pre-stored in by user's unique identification information reading on payment code
The spare balance information of payment account corresponding with user's unique identification information in cash receiving terminal also can under offline convenient for trade company
Spending amount needed for confirming the whether enough payment transactions of account balance of user, if account balance is sufficient, cash receiving terminal exists
It is under off-line state that payment code and consumption data progress is locally-stored, by information communication when the network communication of cash receiving terminal is normal
To pay the bill code information and consumption data of module is uploaded to server-side and carries out unified clearance, thus mobile terminal and cash receiving terminal from
It is also able to cooperate under linear state and smoothly completes payment movement, the use of mobile payment is made to be no longer limited by mobile terminal and cash receiving terminal
Network problem, effectively meet the use demand of user.
In addition, the payment code on mobile terminal uses the combined generation of a variety of different Encryption Algorithm in the present embodiment,
Compared with traditional single Encryption Algorithm, it has been able to ascend payment system safety, has effectively ensured the account fund safety of user.
It is a kind of embodiment provided in conjunction with particular content as described above, does not assert the specific implementation office of the application
It is limited to these explanations.It is all approximate with the present processes, structure etc., identical, if or for being made under the application concept thereof
Dry technology deduction or replace, all should be considered as the protection scope of the application.
Claims (10)
1. mobile offline electronic payment method, which comprises the following steps:
Mobile terminal starts offline electronic payment mode in its network communication exception；
The mobile terminal receives payment instruction；
The mobile terminal according to the payment instruction will by encryption payment cipher, the payment account title by encryption with
And timestamp generates safety code；
The mobile terminal generates the safety code, user's unique identification and prime number within a preset period of time by encryption
Effective dynamic payment code；
Cash receiving terminal obtains consumption data；
The cash receiving terminal scans the payment code on the mobile terminal；
The cash receiving terminal passes through the legitimacy for code of paying the bill described in reversed arithmetic check when offline；
The cash receiving terminal is pre-stored in the cash receiving terminal according to user's unique identification reading when the payment code is legal
The spare balance information of payment account interior and corresponding with user's unique identification；
The cash receiving terminal the spare balance information be greater than the consumption data when by the payment code information and with it is described
The corresponding consumption data of code information of paying the bill carries out locally-stored.
2. mobile offline electronic payment method according to claim 1, which is characterized in that the cash receiving terminal is described spare remaining
When volume information is greater than the consumption data by the payment code information and consumption data corresponding with the payment code information into
It is further comprising the steps of after the locally-stored step of row:
The cash receiving terminal by the payment code information and corresponding with the payment code information disappears when network communication is normal
Expense data are submitted to server-side automatically and carry out the verifying of payment code and consumption data clearance, and receive server-side and test payment code
Newest spare balance information transmitted by transmitted verification information and server-side after card.
3. mobile offline electronic payment method according to claim 1, which is characterized in that further comprising the steps of:
The mobile terminal receives consumption data information transmitted by server-side when its network communication is normal.
4. mobile offline electronic payment method according to claim 1, which is characterized in that the payment cipher is carried out using MD5
Encryption, the payment account title are encrypted using BASE32.
5. mobile offline electronic payment method according to claim 1, which is characterized in that the safety code, user's unique identification
Encryption is carried out using SHA1 with prime number and generates the dynamic payment code, and user's unique identification is the unique UID code in the whole world.
6. mobile offline electronic payment system, which is characterized in that including mobile terminal and cash receiving terminal, wherein
The mobile terminal includes:
Offline electronic payment control module is used to start offline electronic payment mode in mobile terminal network communication abnormality；
Command reception module is used to receive payment instruction；
Safety code generation module is used to that the payment cipher of encryption will to be passed through according to the payment instruction, by the payment of encryption
Name on account and timestamp generate safety code；
Payment code generation module is used to by encryption generate the safety code, user's unique identification and prime number pre-
If effective dynamic payment code in the period；
The cash receiving terminal includes:
Module is obtained, is used to obtain consumption data；
Scan module is used to scan payment code；
Correction verification module is used for when offline through the legitimacy for code of paying the bill described in reversed arithmetic check；
Balance information read module is used to be pre-stored in institute according to user's unique identification reading when the payment code is legal
It states in cash receiving terminal and the spare balance information of payment account corresponding with user's unique identification；
Memory module, be used for the spare balance information be greater than the consumption data when by the payment code information and with institute
It is locally-stored to state the corresponding consumption data progress of payment code information.
7. mobile offline electronic payment system according to claim 6, which is characterized in that the mobile offline electronic payment system is also wrapped
Include server-side, the cash receiving terminal further include:
Information communication module is used for the payment code information and opposite with the payment code information when network communication is normal
The consumption data answered is submitted to server-side automatically and carries out the verifying of payment code and consumption data clearance, and receives server-side to payment code
Newest spare balance information transmitted by transmitted verification information and server-side after being verified.
8. mobile offline electronic payment system according to claim 6, which is characterized in that the mobile offline electronic payment system is also wrapped
Include server-side, the mobile terminal further include:
Consumption data receiving module is used to receive consumption data information transmitted by server-side when network communication is normal.
9. mobile offline electronic payment system according to claim 6, which is characterized in that the payment cipher is carried out using MD5
Encryption, the payment account title are encrypted using BASE32.
10. mobile offline electronic payment system according to claim 6, which is characterized in that the safety code, user's unique identification
Encryption is carried out using SHA1 with prime number and generates the dynamic payment code, and user's unique identification is the unique UID code in the whole world.
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Application publication date: 20190823 |