CN112581125A - Offline payment method and system - Google Patents

Offline payment method and system Download PDF

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Publication number
CN112581125A
CN112581125A CN202011417327.0A CN202011417327A CN112581125A CN 112581125 A CN112581125 A CN 112581125A CN 202011417327 A CN202011417327 A CN 202011417327A CN 112581125 A CN112581125 A CN 112581125A
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Prior art keywords
transaction
payment
challenge code
mobile terminal
identifier
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CN202011417327.0A
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Chinese (zh)
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孙权
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to CN202011417327.0A priority Critical patent/CN112581125A/en
Publication of CN112581125A publication Critical patent/CN112581125A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
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Abstract

The application relates to an offline payment method and system, wherein the offline payment method comprises the following steps: the background payment device dynamically generates a challenge code and issues the challenge code to the acceptance terminal; the mobile terminal acquires the challenge code from the acceptance terminal in a Bluetooth or Near Field Communication (NFC) mode; the mobile terminal encrypts the challenge code and the payment account identifier to generate a transaction identifier; and the mobile terminal performs off-line payment by using the transaction identifier through the acceptance terminal and the background payment device. The transaction identification is dynamically generated by the payment terminal equipment, and different transaction identifications are generated in each transaction, so that the account and transaction safety is guaranteed. The payment terminal equipment is operated off line, networking is not needed, and the transaction success rate and the user experience are improved.

Description

Offline payment method and system
The application is a divisional application provided by the invention with the application number of 201510992050.7, the application date of 2015, 12 and 25, and the invention name of offline payment method, terminal equipment, background payment device and offline payment system, which is China Unionpay GmbH.
Technical Field
The invention relates to the technical field of mobile payment, in particular to an offline payment method and system.
Background
With the more and more frequent use of the bank card under line, when a user finishes payment operation through a POS, the situation that a bad merchant steals the information of the user card through a side recording mode and the like occurs, and a serious risk problem is brought to the fund security of the user.
Using the transaction identification (Token) technique, the bank card side-recording problem can be avoided by using the payment Token instead of the account information in the transaction. For mobile offline transactions, simply replacing the card number with Token does not solve all the problems well:
1. if Token is fixed and the security is not high, the problem that Token is stolen is also faced.
2. If the Token is generated in real time, the mobile terminal must be networked to communicate with the background payment device to generate the Token, so that the payment success rate is greatly influenced by the network environment, and the user experience is poor; moreover, the bank card number, the bank card verification code and the dynamic two-dimensional code are transmitted together, so that the problem of stealing exists, and the safety is not high.
Disclosure of Invention
The technical scheme includes that the background payment device dynamically generates a string of challenge codes (challenge) during each transaction, and the payment terminal device encrypts payment account information and the challenge codes to form a transaction identifier (Token) to replace the payment account information for carrying out foreground and background transaction transmission. The Token is dynamically generated by the payment terminal equipment, and different tokens are generated in each transaction, so that the account and transaction safety is guaranteed. The payment terminal equipment is operated off line, networking is not needed, and the transaction success rate and the user experience are improved.
In order to achieve the above object, the present invention provides an offline payment method, comprising:
acquiring a challenge code;
encrypting the challenge code and the account ID to generate a transaction identifier;
and performing off-line payment by using the transaction identifier and the transaction password.
Preferably, the method further comprises the following steps: and generating an account ID according to the account information of the bank card.
Preferably, the challenge code is acquired through a bluetooth or NFC communication mode.
Preferably, the transaction identification is obtained by encrypting the public key PK.
In order to achieve the above object, the present invention provides another offline payment method, including:
generating a challenge code by utilizing the transaction information, and transmitting the challenge code to the client;
acquiring a transaction identifier from the client, decrypting the transaction identifier, and acquiring a challenge code and an account ID;
and performing offline payment by using the challenge code and the account ID.
Preferably, the step of making an offline payment by using the challenge code and the account ID includes:
verifying the challenge code;
after the verification is passed, acquiring the account information of the transaction bank card by using the account ID;
and obtaining a transaction password from the client, verifying the transaction password, and performing off-line payment by using the account information of the transaction bank card after the verification is passed.
Preferably, the challenge code and the account ID are obtained by decryption of a private key SK.
Correspondingly, to achieve the above object, the present invention further provides a terminal device, including:
an initialization unit for acquiring a challenge code;
the encryption unit is used for encrypting the challenge code and the account ID to generate a transaction identifier;
and the payment unit is used for performing off-line payment by utilizing the transaction identifier and the transaction password.
Preferably, the initialization unit is further configured to generate an account ID according to the bank card account information.
Preferably, the initialization unit acquires the challenge code through a bluetooth or NFC communication mode.
Preferably, the encryption unit encrypts the transaction identifier by using the public key PK.
Correspondingly, in order to achieve the above object, the present invention further provides a background payment apparatus, including:
the challenge code generating unit is used for generating a challenge code by utilizing the transaction information and transmitting the challenge code to the client;
the decryption unit is used for acquiring the transaction identifier from the client, decrypting the transaction identifier and acquiring a challenge code and an account ID;
and the payment unit is used for performing offline payment by utilizing the challenge code and the account ID.
Preferably, the payment unit includes:
the first verification module is used for verifying the challenge code;
the first payment module is used for acquiring the account information of the transaction bank card by using the account ID after the verification is passed;
the second verification module is used for obtaining a transaction password from the client and verifying the transaction password;
and the second payment module is used for performing off-line payment by using the account information of the transaction bank card after passing the verification.
Preferably, the decryption unit decrypts through a private key SK to obtain a challenge code and an account ID.
In order to achieve the above object, the present invention further provides an offline payment system, comprising: the terminal device and the background payment device are provided.
The technical scheme has the following beneficial effects:
1. the bank card is not required to be provided for payment, and the account information of the bank card is not stored in the client, so that the safety of the bank card is guaranteed;
2. the client does not need to log in a network, and carries out payment transaction off line, so that the user experience is good;
3. different transaction identifiers are used for each transaction, so that the transaction safety is guaranteed;
4. the bank card account is identified only through the unique account ID, and the bank card account information cannot be acquired through transmission in the ciphertext even if the ciphertext is cracked, so that the safety is guaranteed;
5. and the transaction safety is ensured by setting the transaction password.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts. In the drawings:
FIG. 1 is a flow chart of an offline payment method according to the present invention;
FIG. 2 is a second flowchart of an offline payment method according to the present invention;
fig. 3 is a functional block diagram of a terminal device according to the present invention;
fig. 4 is a functional block diagram of a background payment apparatus according to the present invention;
FIG. 5 is a functional block diagram of a payment unit in a background payment device;
fig. 6 is a block diagram of an offline payment system according to the present invention;
fig. 7 is a flowchart illustrating the installation and registration of the mobile terminal according to the embodiment;
fig. 8 is a flow chart of the transaction according to the embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The working principle of the technical scheme is as follows: according to the technical scheme, a background payment device dynamically generates a string of challenge codes (challenge) during each transaction, an acceptance terminal transmits the string of challenge codes to a terminal device, and the terminal device encrypts payment account information and the challenge codes to form a dynamic transaction identifier (Token). The payment identifier is dynamically generated in each transaction, the mobile terminal is not required to be networked, the transaction security is guaranteed, and meanwhile the user experience is improved.
Based on the above working principle, the present invention proposes an offline payment method, as shown in fig. 1. The method comprises the following steps:
step 101): acquiring a challenge code;
the challenge code is acquired through a Bluetooth or NFC communication mode.
Step 102): encrypting the challenge code and the account ID to generate a transaction identifier;
the transaction identifier (Token) is obtained by encrypting the public key PK, and different transaction identifiers (Token) are generated for each transaction.
Step 103): and performing off-line payment by using the transaction identifier and the transaction password.
Based on the above working principle, the present invention proposes another offline payment method, as shown in fig. 2. The method comprises the following steps:
step 201): generating a challenge code by utilizing the transaction information, and transmitting the challenge code to the client;
step 202): acquiring a transaction identifier from the client, decrypting the transaction identifier, and acquiring a challenge code and an account ID;
for step 202, the challenge code, the account ID, is obtained by decryption with the private key SK.
Step 203): and performing offline payment by using the challenge code and the account ID.
Wherein, for step 203, it comprises:
verifying the challenge code;
after the verification is passed, acquiring the account information of the transaction bank card by using the account ID;
and obtaining a transaction password from the client, verifying the transaction password, and performing off-line payment by using the account information of the transaction bank card after the verification is passed.
Correspondingly, the invention proposes a terminal device, as shown in fig. 3. The terminal device 30 includes:
an initialization unit 301, configured to obtain a challenge code;
further, in the registration phase, the initialization unit 301 is further configured to generate an account ID according to the bank card account information. In addition, the initialization unit 301 obtains the challenge code through bluetooth or NFC communication.
An encryption unit 302, configured to encrypt the challenge code and the account ID to generate a transaction identifier;
the encryption unit 302 encrypts the transaction identifier with the public key PK.
And the payment unit 303 is used for performing offline payment by using the transaction identifier and the transaction password.
Correspondingly, the invention also provides a background payment device, as shown in fig. 4. The background payment apparatus 40 includes:
a challenge code generating unit 401, configured to generate a challenge code using the transaction information, and transmit the challenge code to the client;
a decryption unit 402, configured to obtain a transaction identifier from the client, decrypt the transaction identifier, and obtain a challenge code and an account ID; the decryption unit 402 decrypts the data with the private key SK to obtain the challenge code and the account ID.
And a payment unit 403, configured to perform offline payment by using the challenge code and the account ID.
Fig. 5 is a functional block diagram of a payment unit in a background payment device. The method comprises the following steps:
a first verification module 4031 for verifying the challenge code;
the first payment module 4032 is used for acquiring the account information of the transaction bank card by using the account ID after the verification is passed;
a second verification module 4033, configured to obtain a transaction password from the client, and verify the transaction password;
and the second payment module 4034 is used for performing offline payment by using the account information of the transaction bank card after the verification is passed. Fig. 6 is a block diagram of an offline payment system according to the present invention. The method comprises the following steps: a terminal device 30 shown in fig. 3, and a background payment device 40 shown in fig. 4.
The technical solutions of fig. 1 to 6 will be described in detail with reference to the following examples.
For the embodiment, the terminal device is preferably a mobile terminal, such as a mobile intelligent terminal, e.g., a mobile phone, an IPad, and the like.
In this embodiment, the whole payment process is divided into two steps:
fig. 7 is a flowchart illustrating the installation and registration of the mobile terminal according to this embodiment. The method comprises the following steps:
1. and downloading and installing the client program.
2. And (3) carrying out user registration: and inputting information such as a mobile phone number, an identity card, a user login password/gesture and the like, and submitting to a background to create a new user.
3. Associating the transaction bank card: the user associates the bank card account information with the user. And the background payment device generates a unique account ID according to the account information of the bank card and returns the unique account ID to the client. In order to ensure the safety, the client reserves the account ID and does not reserve the original information of the bank card account. The customer can associate multiple bank cards as needed.
4. And key synchronization: through an asymmetric algorithm, the server side generates a private key SK and a public key PK, reserves the private key SK, and issues the public key PK to the client side. The client retains the public key PK.
5. Setting a transaction password: the customer sets a transaction password P according to the requirement, and the transaction password P can be the same as or different from the transaction password of the bank card. The server side reserves a transaction password P for transaction verification.
Fig. 8 is a flow chart of the transaction in this embodiment. During the payment process, the mobile terminal and the acceptance terminal can communicate in various ways, such as bluetooth, NFC, and the like. The mobile terminal can also communicate without being networked, but the acceptance terminal and the background payment device need to be networked. The process comprises the following steps:
1. the cashier selects the mobile Token payment through the acceptance terminal and inputs the transaction amount;
2. the acceptance terminal submits the transaction information to the background payment device, and the background payment device dynamically generates a string of challenge codes C for the transaction and returns the challenge codes C to the acceptance terminal;
3. a customer opens and logs in the mobile terminal and selects a transaction bank card;
4. the mobile terminal application acquires a challenge code C from the acceptance terminal, encrypts an account ID and the challenge code C of the current bank card through a public key PK to form a transaction identifier Token of the transaction, and provides the transaction identifier Token for the acceptance terminal;
5. the customer inputs the transaction password P through the keyboard of the acceptance terminal or the mobile terminal. The acceptance terminal acquires the transaction identifier Token and the transaction password P and submits the transaction identifier Token and the transaction password P to the background payment device;
6. the background payment device decrypts the transaction identifier Token through the private key SK to obtain an account ID and a challenge code C, and verifies whether the challenge code C is correct or not;
7. the background payment device acquires the account information of the bank card according to the account ID and verifies whether the transaction password P is correct or not;
8. the background payment device completes the transaction and returns the transaction result to the acceptance terminal;
9. and the acceptance terminal returns the transaction result to the mobile terminal.
As can be seen from the above embodiments, in the technical scheme, a background system dynamically generates a string of challenge codes (challenge) during each transaction, and the terminal device encrypts the payment account information and the challenge codes to form a dynamic transaction identifier (Token) to replace the payment account information for foreground and background transaction transmission. The transaction identification is dynamically generated by the mobile phone terminal, and different transaction identifications are generated in each transaction, so that the account and transaction safety is guaranteed. The terminal equipment is operated off line, networking is not needed, and the transaction success rate and the user experience are improved.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are merely exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (9)

1. An offline payment method, comprising:
the background payment device dynamically generates a challenge code and issues the challenge code to the acceptance terminal;
the mobile terminal acquires the challenge code from the acceptance terminal in a Bluetooth or Near Field Communication (NFC) mode;
the mobile terminal encrypts the challenge code and the payment account identifier to generate a transaction identifier;
and the mobile terminal utilizes the transaction identifier to carry out off-line payment through the acceptance terminal and the background payment device.
2. The method of claim 1, wherein before the mobile terminal encrypts the challenge code and the payment account information to generate the transaction identifier, the method further comprises:
the mobile terminal determines the selected bank card according to the selection operation of the user;
and the mobile terminal acquires the payment account identification according to the account information of the bank card.
3. The method of claim 1, wherein the mobile terminal performs offline payment with the transaction identifier through the acceptance terminal and the background payment device, and the method comprises the following steps:
the mobile terminal submits the transaction identification to the acceptance terminal;
the acceptance terminal acquires a transaction password input by a user and submits the transaction password to the background payment device;
the background payment device acquires the transaction identification and the transaction password from the acceptance terminal, decrypts the transaction identification, and obtains a decrypted challenge code and a decrypted payment account identification;
the background payment device verifies the decrypted challenge code;
the background payment device determines target account information, verifies the transaction password according to the target account information, and the target account information is account information of a bank card corresponding to the decrypted payment account identification;
and under the condition that the verification of the decrypted challenge code is successful and the verification of the transaction password is successful, the background payment device completes the transaction.
4. The method of claim 1, wherein the mobile terminal encrypts the challenge code and the payment account identifier to generate a transaction identifier, comprising:
and the mobile terminal encrypts the challenge code and the payment account identifier by using a public key to generate the transaction identifier.
5. The method of claim 1, wherein decrypting the transaction identification to obtain the decrypted challenge code and the decrypted payment account identification comprises:
and the background payment device decrypts the transaction identifier by using a private key to obtain a decrypted challenge code and a decrypted payment account identifier.
6. The method of claim 1,
the transaction identifications generated by different transactions are different.
7. The method of claim 1, further comprising:
the acceptance terminal receives a transaction trigger input;
the acceptance terminal generates transaction information according to the transaction trigger input;
and the acceptance terminal submits the transaction information to the background payment device.
8. The method of claim 7, wherein the background payment device dynamically generates a challenge code, comprising:
and responding to the transaction information, and the background payment device generates a challenge code for the current transaction corresponding to the transaction information.
9. An offline payment system, comprising:
the mobile terminal is used for acquiring a challenge code from the acceptance terminal in a Bluetooth or Near Field Communication (NFC) mode, encrypting the challenge code and the payment account identifier to generate a transaction identifier, and performing offline payment by using the transaction identifier through the acceptance terminal and the background payment device;
the acceptance terminal is used for acquiring the challenge code from the background payment device, providing the challenge code to the mobile terminal in a Bluetooth or Near Field Communication (NFC) mode, and performing offline payment with the mobile terminal and the background payment device by using the transaction identifier;
the background payment device is used for dynamically generating the challenge code, issuing the challenge code to the acceptance terminal, and performing offline payment through the acceptance terminal and the mobile terminal by using the transaction identifier.
CN202011417327.0A 2015-12-25 2015-12-25 Offline payment method and system Pending CN112581125A (en)

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