CN113128994B - Trusted mobile payment device and system - Google Patents
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- CN113128994B CN113128994B CN202110453574.4A CN202110453574A CN113128994B CN 113128994 B CN113128994 B CN 113128994B CN 202110453574 A CN202110453574 A CN 202110453574A CN 113128994 B CN113128994 B CN 113128994B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention provides a trusted mobile payment device and a trusted mobile payment system. The system comprises: the two-dimensional code generating module is used for generating a plurality of two-dimensional codes by using the basic information of the seller; the storage display module is used for storing the two-dimension codes into display equipment, setting a two-dimension code replacement display period of the display, and replacing the two-dimension codes by the display according to the two-dimension code replacement period; the reference information acquisition module is used for acquiring the business license registration number, the business registration place information, the seller operator identity card information and the seller operator telephone number information of the seller and forming a reference information set; the storage module is used for storing the reference information set into an application terminal, and the application terminal is installed in a mobile terminal of a buyer; and the payment module is used for judging whether to carry out safe payment or not by comparing the two-dimensional code information with the reference information set when the buyer carries out the mobile terminal payment.
Description
Technical Field
The invention provides a trusted mobile payment device and system, and belongs to the technical field of mobile payment.
Background
The development of information technology has enabled people to replace various stored value or savings cards and credit cards such as bank cards, bus cards and the like with portable mobile terminals such as mobile phones.
Mobile payments have evolved roughly over two generations. The first generation mobile payment system uses voice and short message as carriers to transmit payment information. This transmission method is inefficient and has poor safety. The second generation mobile payment system is based on the WAP technology, and uses a mobile phone browser as a terminal to transmit data, and can encrypt transmission contents, but the security of the mobile phone system is still vulnerable.
Currently, mobile payment technologies are being further upgraded. The new generation mobile payment system is to implant a special mobile payment chip on the mobile terminal, which is specially responsible for the implementation of mobile payment service, thereby making the supported mobile payment application more abundant and practical. For example: the mobile terminal is allowed to replace a traditional magnetic stripe card or an IC card to carry out card swiping payment or remote large amount payment, and the like, and personalized customization of mobile payment services, remote downloading of required mobile payment services or deletion of unnecessary mobile payment services can be carried out according to the needs of users.
However, the need for security is still not met by merely transferring the processing of mobile payment services from the handset software system to the chip. Usually, the seller is lost because the buyer pays the money to a malicious third party account by replacing the two-dimensional code of the seller.
Disclosure of Invention
The invention provides a trusted mobile payment system and a trusted mobile payment device, which are used for solving the problem of safe payment of a buyer paying to a non-seller account caused by tampering an existing seller information two-dimensional code:
a trusted mobile payment system, the system comprising:
the two-dimension code generating module is used for generating a plurality of two-dimension codes by using the basic information of the seller;
the storage display module is used for storing the two-dimension codes into display equipment, setting a two-dimension code replacement display period of the display every day, storing the display sequence and the display time of each two-dimension code into the application terminal, and replacing the two-dimension codes by using the display according to the two-dimension code replacement period;
the reference information acquisition module is used for acquiring the business license registration number, the business registration place information, the seller operator identity card information and the seller operator telephone number information of the seller and forming a reference information set;
the storage module is used for storing the reference information set into an application terminal, and the application terminal is installed in a mobile terminal of a buyer;
and the payment module is used for judging whether to carry out safe payment or not by comparing the two-dimensional code information with the reference information set when the buyer carries out the mobile terminal payment.
Further, the two-dimensional code generation module includes:
the system comprises a first information acquisition module, a second information acquisition module and a third information acquisition module, wherein the first information acquisition module is used for acquiring a business license registration number of a seller, identity card information of an operator of the seller and payment information to form a first information set;
the second information acquisition module is used for acquiring the business registration place information of the seller, the identity card information of the seller operator and the payment information to form a second information set;
the third information acquisition module is used for acquiring the telephone number information of the seller operator, the identity card information of the seller operator and the payment information to form a third information set;
the first two-dimensional code generating module is used for generating a first two-dimensional code from the first information set;
the second two-dimensional code generating module is used for generating a second two-dimensional code from the second information set;
and the third two-dimensional code generating module is used for generating a third two-dimensional code from the third information set.
Further, the payment module includes:
the scanning module is used for the buyer to scan the two-dimensional code displayed on the display through the application terminal embedded in the mobile terminal to acquire the information on the two-dimensional code;
the extraction module is used for extracting business license registration numbers and seller operator identity card information, business registration place information and seller operator identity card information or seller operator telephone number information and seller operator identity card information in the two-dimensional code information;
the comparison module is used for comparing the extracted business license registration number and the seller operator identity card information, the business registration place information and the seller operator identity card information or the seller operator telephone number information and the seller operator identity card information with corresponding information in the reference information set, and simultaneously detecting whether the current two-dimensional code display time is consistent with the display time corresponding to the scanned and extracted two-dimensional code information; if the acquired information is consistent with the corresponding system information in the reference information and the time information is correspondingly consistent, calling payment information in the identification information of the two-dimensional code to carry out payment butt joint; and if the acquired information is inconsistent with the corresponding relationship information and the time information in the reference information, performing a subsequent payment process.
Further, the system further comprises:
the alarm module is used for immediately carrying out alarm prompt on seller operators in a short message and telephone double prompt mode when the payment process is interrupted due to inconsistent information;
and the adjusting module is used for acquiring the first information set, the second information set and the third information set again while giving an alarm, generating the corresponding first two-dimension code, the second two-dimension code and the third two-dimension code again and sending the generated codes to the display for displaying, simultaneously, re-adjusting the two-dimension code updating period of the display, and performing two-dimension code replacement display according to the adjusted updating period.
Further, the storage display module determines a two-dimensional code replacement display period through the following formula:
wherein, T 11 Representing a replacement period of the first two-dimensional code; t is 12 Representing the replacement period of the second two-dimensional code; t is 13 Representing the replacement period of the third two-dimensional code; n represents the number of business days of the seller; t is yi Representing the business duration of the seller on the ith day; m represents the number of the two-dimensional codes, and m =3; the delta T represents a preset basic replacement time scalar, and the value range of the delta T is 3-6 hours;
and the first two-dimension code, the second two-dimension code and the third two-dimension code are displayed in the display in a reciprocating and circulating mode according to the corresponding updating period.
Further, the adjusting module readjusts the two-dimension code updating period of the display according to the following formula:
wherein, T 21 Representing the replacement period of the adjusted first two-dimensional code; t is 22 Representing the replacement period of the adjusted second two-dimensional code; t is 23 Showing the replacement period of the adjusted third two-dimensional code; n represents the number of business days of the seller; t is yi Representing the business duration of the seller on the ith day; m represents the number of the two-dimensional codes, and m =3; delta T y Indicating a preset base change time adjustment scalar, Δ T y The value range of (A) is 2-4 hours;
and the first two-dimension code, the second two-dimension code and the third two-dimension code are displayed in the display in a reciprocating and circulating manner according to the corresponding adjusted updating period.
Further, the operation process of the trusted mobile payment system comprises the following steps:
generating a plurality of two-dimensional codes by using the basic information of the seller;
storing a plurality of two-dimension codes into display equipment, setting a two-dimension code replacement display period of a display every day, simultaneously storing the display sequence and the display time of each two-dimension code into an application terminal, and then replacing the two-dimension codes by using the display according to the two-dimension code replacement period;
acquiring a business license registration number, business registration place information, seller operator identity card information and seller operator telephone number information of a seller, and forming a reference information set;
storing the reference information set into an application terminal, wherein the application terminal is installed in a mobile terminal of a buyer;
when the buyer pays the mobile terminal, whether the safe payment is carried out is judged by comparing the two-dimensional code information with the reference information set;
when the payment process is interrupted due to inconsistent information, immediately carrying out alarm prompt on seller operators in a short message and telephone double prompt mode;
and when the alarm is prompted, the first information set, the second information set and the third information set are obtained again, the corresponding first two-dimensional code, the corresponding second two-dimensional code and the corresponding third two-dimensional code are generated again and sent to the display to be displayed, meanwhile, the updating period of the two-dimensional code of the display is adjusted again, and the two-dimensional code is displayed in a replacing manner according to the adjusted updating period.
Further, the generating a plurality of two-dimensional codes by using the basic information of the seller includes:
acquiring a business license registration number of a seller, identity card information of an operator of the seller and payment information to form a first information set;
acquiring business registration place information of a seller, identity card information of seller operators and payment information to form a second information set;
acquiring the telephone number information of the seller operator, the identity card information of the seller operator and the payment information to form a third information set;
generating a first two-dimensional code from the first information set;
generating a second two-dimensional code from the second information set;
and generating a third two-dimensional code from the third information set.
Further, when the purchaser pays the mobile terminal, the method for determining whether to pay safely by comparing the two-dimensional code information with the reference information set includes:
the buyer scans the two-dimensional code displayed on the display through an application terminal embedded in the mobile terminal to obtain information on the two-dimensional code;
extracting business license registration numbers and seller operator identity card information, business registration place information and seller operator identity card information or seller operator telephone number information and seller operator identity card information in the two-dimensional code information;
comparing the extracted business license registration number and the seller operator identity card information, the business registration place information and the seller operator identity card information or the seller operator telephone number information and the seller operator identity card information with corresponding information in the reference information set, and simultaneously detecting whether the display time of the current two-dimensional code is consistent with the display time corresponding to the scanned and extracted two-dimensional code information; if the acquired information is consistent with the corresponding system information in the reference information and the time information is correspondingly consistent, calling payment information in the identification information of the two-dimensional code to carry out payment butt joint; and if the acquired information is inconsistent with the corresponding relationship information and the time information in the reference information, performing a subsequent payment process.
A trusted mobile payment device, the display and the electronic device; the display is in data connection with the electronic equipment in a wireless transmission mode; the electronic equipment comprises a memory and a processor, wherein the memory stores a computer program, and the processor realizes the modules and the operation steps of any system when executing the computer program.
The invention has the beneficial effects that:
according to the credible mobile payment system and device, the two-dimension code information currently used by the seller cannot be accurately determined by a malicious third party through a mode of manufacturing a plurality of two-dimension codes and replacing the two-dimension codes for cyclic use, meanwhile, the two-dimension code information is checked while the buyer pays and scans the codes through a mode of implanting a reference information set in the mobile terminal application, so that the payment safety is further improved, meanwhile, the information is directly checked in the two-dimension code scanning process, the efficiency and the speed of information safety check are improved, the buyer does not need to perform redundant operation, the safety payment is effectively improved, and meanwhile, the safety payment efficiency is further improved. Through the payment method, malicious third parties can be effectively prevented from tampering the two-dimension code information of the seller, and the payment safety is improved to a great extent. Meanwhile, traditional modes such as encryption and the like do not need to be additionally arranged, the operation complexity involved in the payment process is reduced, the encoding and decoding process is simplified, and the safety payment efficiency is effectively improved.
Drawings
FIG. 1 is a system block diagram of the system of the present invention;
fig. 2 is a flow chart of the operation of the system of the present invention.
Detailed Description
The preferred embodiments of the present invention will be described in conjunction with the accompanying drawings, and it will be understood that they are described herein for the purpose of illustration and explanation and not limitation.
An embodiment of the present invention provides a trusted mobile payment system, as shown in fig. 1, the system includes:
the two-dimension code generating module is used for generating a plurality of two-dimension codes by using the basic information of the seller;
the storage display module is used for storing the two-dimension codes into display equipment, setting a two-dimension code replacement display period of a display every day, storing the display sequence and the display time of each two-dimension code into the application terminal, and replacing the two-dimension codes by using the display according to the two-dimension code replacement period;
the reference information acquisition module is used for acquiring the business license registration number, the business registration place information, the seller operator identity card information and the seller operator telephone number information of the seller and forming a reference information set;
the storage module is used for storing the reference information set into an application terminal, and the application terminal is installed in a mobile terminal of a buyer;
and the payment module is used for judging whether to carry out safe payment or not by comparing the two-dimensional code information with the reference information set when the buyer carries out the mobile terminal payment.
The storage display module determines a two-dimensional code replacement display period through the following formula:
wherein, T 11 Representing a replacement period of the first two-dimensional code; t is 12 Representing the replacement period of the second two-dimensional code; t is 13 Representing a replacement cycle of the third two-dimensional code; n represents the number of business days of the seller; t is yi Representing the business duration of the seller on the ith day; m represents the number of the two-dimensional codes, and m =3; the delta T represents a preset basic replacement time scalar, and the numeric area of the delta T is 3-6 hours;
and the first two-dimension code, the second two-dimension code and the third two-dimension code are displayed in the display in a reciprocating and circulating mode according to the corresponding updating period.
The working principle of the technical scheme is as follows: firstly, generating a plurality of two-dimensional codes by using basic information of a seller through a two-dimensional code generating module; then, storing the plurality of two-dimension codes into display equipment by adopting a storage display module, setting a two-dimension code replacement display period of a display every day, simultaneously storing the display sequence and the display time of each two-dimension code into an application terminal, and then replacing the two-dimension codes by utilizing the display according to the two-dimension code replacement period; then, acquiring a business license registration number, business registration place information, seller operator identity card information and seller operator telephone number information of the seller by a reference information acquisition module, and forming a reference information set; then, storing the reference information set into an application terminal by adopting a storage module, wherein the application terminal is installed in a mobile terminal of a buyer; and finally, when the buyer pays the mobile terminal through the payment module, judging whether to carry out safe payment or not through comparing the two-dimensional code information with the reference information set.
The effect of the above technical scheme is as follows: through manufacturing a plurality of two-dimension codes and replacing the mode of recycling, malicious third parties cannot accurately determine the information of the currently used two-dimension codes of the seller, meanwhile, through implanting a reference information set in the application of the mobile terminal, the buyer pays and scans the codes and simultaneously audits the information of the two-dimension codes, the payment safety is further improved, meanwhile, information is directly checked in the scanning process of the two-dimension codes, the efficiency and the speed of information safety audit are improved, the buyer is not required to carry out redundant operation, the safety payment is effectively improved, and meanwhile, the safety payment efficiency is further improved. Through the payment method, malicious third parties can be effectively prevented from tampering the two-dimension code information of the seller, and the payment safety is improved to a great extent. Meanwhile, traditional modes such as encryption and the like do not need to be additionally arranged, the operation complexity involved in the payment process is reduced, the encoding and decoding process is simplified, and the safety payment efficiency is effectively improved.
On the other hand, the two-dimension code replacement period obtained through the formula can be set every day according to the business hours of the seller, so that the two-dimension code replacement time every day is different, a malicious third party cannot judge the sequence and the updating time of the two-dimension code, and the payment safety of the seller is further improved. Meanwhile, the updating time obtained through the formula is fully combined with the business hours of the seller, so that the two-dimensional codes can be effectively used in the business hours of one day, the transformation diversity of the two-dimensional code information is improved, the matching performance of the service time of each two-dimensional code and the actual business hours of the seller is further improved, and the diversity of the checking information is improved.
In an embodiment of the present invention, the two-dimensional code generating module includes:
the system comprises a first information acquisition module, a second information acquisition module and a third information acquisition module, wherein the first information acquisition module is used for acquiring a business license registration number of a seller, identity card information of an operator of the seller and payment information to form a first information set;
the second information acquisition module is used for acquiring the business registration place information of the seller, the identity card information of the seller operator and the payment information to form a second information set;
the third information acquisition module is used for acquiring the telephone number information of the seller operator, the identity card information of the seller operator and the payment information to form a third information set;
the first two-dimensional code generating module is used for generating a first two-dimensional code from the first information set;
the second two-dimensional code generating module is used for generating a second two-dimensional code from the second information set;
and the third two-dimensional code generating module is used for generating a third two-dimensional code from the third information set.
The working principle of the technical scheme is as follows: firstly, a business license registration number of a seller, seller operator identity card information and payment information are obtained through a first information obtaining module to form a first information set; then, the information of the business registration place of the seller, the identity card information of the seller operator and the payment information are obtained through a second information obtaining module to form a second information set; then, a third information acquisition module is adopted to acquire seller operator telephone number information, seller operator identity card information and payment information to form a third information set; and finally, correspondingly generating a first two-dimension code, a second two-dimension code and a third two-dimension code by the first two-dimension code generation module, the second two-dimension code generation module and the third two-dimension code generation module respectively according to the first information set, the second information set and the third information set.
The effect of the above technical scheme is as follows: effectively improve the variety of two-dimensional code information content variety and two-dimensional code, and then improve the complexity of information verification, improve seller's mobile payment's security.
In one embodiment of the invention, the payment module comprises:
the scanning module is used for scanning the two-dimensional code displayed on the display by the buyer through the application terminal embedded in the mobile terminal to acquire information on the two-dimensional code;
the extraction module is used for extracting business license registration numbers and seller operator identity card information, business registration place information and seller operator identity card information or seller operator telephone number information and seller operator identity card information in the two-dimensional code information;
the comparison module is used for comparing the extracted business license registration number and the seller operator identity card information, the business registration place information and the seller operator identity card information or the seller operator telephone number information and the seller operator identity card information with corresponding information in the reference information set, and simultaneously detecting whether the current two-dimensional code display time is consistent with the display time corresponding to the scanned and extracted two-dimensional code information; if the acquired information is consistent with the corresponding system information in the reference information and the time information is correspondingly consistent, calling payment information in the identification information of the two-dimensional code to carry out payment butt joint; and if the acquired information is inconsistent with the corresponding relationship information and the time information in the reference information, performing a subsequent payment process.
The working principle of the technical scheme is as follows: firstly, a buyer scans a two-dimensional code displayed on a display through a scanning module in combination with an application terminal embedded in a mobile terminal to obtain information on the two-dimensional code; then, extracting business license registration numbers and seller operator identity card information, business registration place information and seller operator identity card information or seller operator telephone number information and seller operator identity card information in the two-dimensional code information by adopting an extraction module; then, the obtained business license registration number and the seller operator identity card information, the business registration place information and the seller operator identity card information or the seller operator telephone number information and the seller operator identity card information are extracted and compared with corresponding information in the reference information set through a comparison module, and whether the current two-dimensional code display time is consistent with the display time corresponding to the scanned and extracted two-dimensional code information or not is detected; if the acquired information is consistent with the corresponding system information in the reference information and the time information is correspondingly consistent, calling payment information in the identification information of the two-dimensional code to carry out payment butt joint; and if the acquired information is inconsistent with the corresponding relationship information and the time information in the reference information, performing a subsequent payment process.
The effect of the above technical scheme is as follows: through the mode of implanting the reference information set in mobile terminal uses, examine and examine the two-dimensional code information when the buyer pays and scans the sign indicating number, further improved payment security, simultaneously, directly carry out the information check at two-dimensional code scanning in-process, improved the efficiency and the speed that information security was examined and examined, need not the buyer and carry out unnecessary operation, when effectively improving security payment, further improve safe payment efficiency. Through the payment method, malicious third parties can be effectively prevented from tampering the two-dimension code information of the seller, and the payment safety is improved to a great extent. Meanwhile, traditional modes such as encryption and the like do not need to be additionally arranged, the operation complexity involved in the payment process is reduced, the encoding and decoding process is simplified, and the safety payment efficiency is effectively improved.
In one embodiment of the present invention, the system further comprises:
the alarm module is used for immediately carrying out alarm prompt on seller operators in a short message and telephone double prompt mode when the payment process is interrupted due to inconsistent information;
and the adjusting module is used for acquiring the first information set, the second information set and the third information set again while giving an alarm, regenerating the corresponding first two-dimensional code, the second two-dimensional code and the third two-dimensional code and sending the first two-dimensional code, the second two-dimensional code and the third two-dimensional code to the display for displaying, simultaneously readjusting the updating period of the two-dimensional code of the display, and displaying the two-dimensional code in a replacing manner according to the adjusted updating period.
The adjusting module readjusts the two-dimension code updating period of the display through the following formula:
wherein, T 21 Representing the replacement period of the adjusted first two-dimensional code; t is 22 Representing the replacement period of the adjusted second two-dimensional code; t is 23 Showing the replacement period of the adjusted third two-dimensional code; n represents the number of business days of the seller; t is yi Representing the business duration of the seller on the ith day; m represents the number of the two-dimensional codes, and m =3; delta T y Indicating a preset base change time adjustment scalar, Δ T y The value range of (A) is 2-4 hours;
and the first two-dimension code, the second two-dimension code and the third two-dimension code are displayed in the display in a reciprocating and circulating manner according to the corresponding adjusted updating period.
The working principle of the technical scheme is as follows: firstly, when the payment process is interrupted due to inconsistent information, an alarm module immediately gives an alarm prompt to seller operators in a short message and telephone double prompt mode; then, when the adjustment module is used for alarming and prompting, the first information set, the second information set and the third information set are obtained again, the corresponding first two-dimension code, the corresponding second two-dimension code and the corresponding third two-dimension code are generated again and sent to a display to be displayed, meanwhile, the two-dimension code updating period of the display is adjusted again, and two-dimension code replacement display is carried out according to the adjusted updating period.
The effect of the above technical scheme is as follows: through the method, the safety early warning efficiency of the mobile payment system can be effectively improved, meanwhile, the two-dimension code display time is changed through adjustment of the two-dimension code display time, so that a malicious third party cannot acquire the two-dimension code change time, and the safety of mobile payment is further improved.
In an embodiment of the present invention, as shown in fig. 2, the operation process of the trusted mobile payment system includes:
s1, generating a plurality of two-dimensional codes by using the basic information of a seller;
s2, storing the two-dimension codes into display equipment, setting a two-dimension code replacement display period of a display every day, simultaneously storing the display sequence and the display time of each two-dimension code into an application terminal, and then replacing the two-dimension codes by using the display according to the two-dimension code replacement period;
s3, acquiring a business license registration number, business registration place information, seller operator identity card information and seller operator telephone number information of the seller, and forming a reference information set;
s4, storing the reference information set into an application terminal, wherein the application terminal is installed in a mobile terminal of a buyer;
s5, when the buyer pays the mobile terminal, judging whether to pay safely or not by comparing the two-dimension code information with the reference information set;
s6, when the payment process is interrupted due to inconsistent information, immediately carrying out alarm prompt on seller operators in a short message and telephone double prompt mode;
and S7, while the alarm prompt is given, the first information set, the second information set and the third information set are obtained again, the corresponding first two-dimensional code, the corresponding second two-dimensional code and the corresponding third two-dimensional code are generated again and sent to a display to be displayed, meanwhile, the two-dimensional code updating period of the display is adjusted again, and two-dimensional code replacement display is carried out according to the adjusted updating period.
The effect of the above technical scheme is: through manufacturing a plurality of two-dimension codes and replacing the mode of recycling, malicious third parties cannot accurately determine the information of the currently used two-dimension codes of the seller, meanwhile, through implanting a reference information set in the application of the mobile terminal, the buyer pays and scans the codes and simultaneously audits the information of the two-dimension codes, the payment safety is further improved, meanwhile, information is directly checked in the scanning process of the two-dimension codes, the efficiency and the speed of information safety audit are improved, the buyer is not required to carry out redundant operation, the safety payment is effectively improved, and meanwhile, the safety payment efficiency is further improved. Through the payment method, malicious third parties can be effectively prevented from tampering the two-dimension code information of the seller, and the payment safety is improved to a great extent. Meanwhile, traditional modes such as encryption and the like do not need to be additionally arranged, the operation complexity involved in the payment process is reduced, the encoding and decoding process is simplified, and the safety payment efficiency is effectively improved.
In an embodiment of the present invention, the generating a plurality of two-dimensional codes by using the basic information of the seller includes:
s101, obtaining a business license registration number of a seller, identity card information of an operator of the seller and payment information to form a first information set;
s102, obtaining business registration place information of the seller, identity card information of seller operators and payment information to form a second information set;
s103, acquiring the telephone number information of the seller operator, the identity card information of the seller operator and the payment information to form a third information set;
s104, generating a first two-dimensional code from the first information set;
s105, generating a second two-dimensional code from the second information set;
and S106, generating a third two-dimensional code from the third information set.
The effect of the above technical scheme is as follows: effectively improve the diversity of two-dimensional code information content variety and two-dimensional code, and then improve the complexity of information verification, improve seller's mobile payment's security.
In an embodiment of the present invention, when the purchaser pays the mobile terminal, determining whether to pay securely by comparing the two-dimensional code information with the reference information set includes:
s501, a buyer scans a two-dimensional code displayed on a display through an application terminal embedded in a mobile terminal to acquire information on the two-dimensional code;
s502, extracting business license registration numbers and seller operator identity card information, business registration place information and seller operator identity card information or seller operator telephone number information and seller operator identity card information in the two-dimensional code information;
s503, comparing the extracted business license registration number and seller operator identity card information, the business registration place information and the seller operator identity card information or the seller operator telephone number information and the seller operator identity card information with corresponding information in the reference information set, and simultaneously detecting whether the display time of the current two-dimensional code is consistent with the display time corresponding to the scanned and extracted two-dimensional code information; if the acquired information is consistent with the corresponding system information in the reference information and the time information is correspondingly consistent, calling payment information in the identification information of the two-dimensional code to carry out payment butt joint; and if the acquired information is inconsistent with the corresponding relationship information and the time information in the reference information, performing a subsequent payment process.
The effect of the above technical scheme is as follows: through the mode of implanting the reference information set in mobile terminal uses, examine and examine the two-dimensional code information when the buyer pays and scans the sign indicating number, further improved payment security, simultaneously, directly carry out the information check at two-dimensional code scanning in-process, improved the efficiency and the speed that information security was examined and examined, need not the buyer and carry out unnecessary operation, when effectively improving security payment, further improve safe payment efficiency. Through the payment method, malicious third parties can be effectively prevented from tampering the two-dimension code information of the seller, and the payment safety is improved to a great extent. Meanwhile, traditional modes such as encryption and the like do not need to be additionally arranged, the operation complexity involved in the payment process is reduced, the encoding and decoding process is simplified, and the safety payment efficiency is effectively improved.
The embodiment of the invention provides a trusted mobile payment device, which comprises a display and electronic equipment; the display is in data connection with the electronic equipment in a wireless transmission mode; the electronic equipment comprises a memory and a processor, wherein the memory stores a computer program, and the processor realizes the modules and the operation steps of any system when executing the computer program.
The working principle of the technical scheme is as follows: and alternately and circularly displaying a plurality of two-dimensional codes through a display, and performing seller information checking and safety verification by combining a reference information comparison and display time comparison mode of the mobile terminal. And ensuring that the buyer pays money to the correct seller through the security verification.
The effect of the above technical scheme is as follows: through making a plurality of two-dimensional codes and replacing the mode of recycling, make malicious third issue can't the accurate current used two-dimensional code information of seller, and simultaneously, through the mode of implanting the reference information set in mobile terminal uses, when buyer pays and sweeps the sign indicating number, examine two-dimensional code information, the payment security has further been improved, and simultaneously, directly carry out the information check at two-dimensional code scanning in-process, the efficiency and the speed of information security audit have been improved, need not buyer and carry out unnecessary operation, when effectively improving security payment, further improve safe payment efficiency. Through the payment method, malicious third parties can be effectively prevented from tampering the two-dimension code information of the seller, and the payment safety is improved to a great extent. Meanwhile, traditional modes such as encryption and the like do not need to be additionally arranged, the operation complexity involved in the payment process is reduced, the encoding and decoding process is simplified, and the safety payment efficiency is effectively improved.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (7)
1. A trusted mobile payment system, said system comprising:
the two-dimensional code generating module is used for generating a plurality of two-dimensional codes by using the basic information of the seller;
the storage display module is used for storing the two-dimension codes into display equipment, setting the two-dimension code replacement period of the display every day, storing the display sequence and the display time of each two-dimension code into the application terminal, and replacing the two-dimension codes by using the display according to the two-dimension code replacement period;
the reference information acquisition module is used for acquiring the business license registration number, the business registration place information, the seller operator identity card information and the seller operator telephone number information of the seller and forming a reference information set;
the storage module is used for storing the reference information set into an application terminal, and the application terminal is installed in a mobile terminal of a buyer;
the payment module is used for judging whether to carry out safe payment or not by comparing the two-dimension code information with the reference information set when the buyer carries out mobile terminal payment;
the storage display module determines the two-dimensional code replacement period through the following formula:
wherein the content of the first and second substances,T 11 representing a two-dimension code replacement period of the first two-dimension code;T 12 representing a two-dimensional code replacement period of the second two-dimensional code;T 13 representing a two-dimension code replacement period of the third two-dimension code;nindicating the business days of the seller;T yi the business duration of the seller on the ith day is represented;mthe number of the two-dimensional codes is represented,m=3；ΔTrepresenting a preset base change time scalar, ΔTThe value range of (A) is 3-6 hours;
the first two-dimension code, the second two-dimension code and the third two-dimension code are displayed in a display in a reciprocating and circulating mode according to the corresponding two-dimension code replacement period;
the system further comprises:
the alarm module is used for immediately carrying out alarm prompt on seller operators in a short message and telephone double prompt mode when the payment process is interrupted due to inconsistent information;
the adjusting module is used for acquiring the first information set, the second information set and the third information set again while giving an alarm, generating the corresponding first two-dimensional code, the second two-dimensional code and the third two-dimensional code again and sending the first two-dimensional code, the second two-dimensional code and the third two-dimensional code to the display for displaying, simultaneously re-adjusting the two-dimensional code replacing period of the display, and performing two-dimensional code replacing display according to the adjusted two-dimensional code replacing period;
the adjusting module readjusts the two-dimension code replacing period of the display through the following formula:
wherein the content of the first and second substances,T 21 representing the two-dimension code replacement period of the adjusted first two-dimension code;T 22 representing the two-dimension code replacement period of the adjusted second two-dimension code;T 23 representing the two-dimension code replacement period of the adjusted third two-dimension code;nindicating the number of business days of a seller;T yi representing the business duration of the seller on the ith day;mthe number of the two-dimensional codes is represented,m=3；ΔT y indicating a preset base change time adjustment scalar, ΔT y The value range of (A) is 2-4 hours;
and the first two-dimension code, the second two-dimension code and the third two-dimension code are displayed in the display in a reciprocating and circulating manner according to the corresponding adjusted two-dimension code replacement period.
2. The system of claim 1, wherein the two-dimensional code generation module comprises:
the system comprises a first information acquisition module, a second information acquisition module and a third information acquisition module, wherein the first information acquisition module is used for acquiring a business license registration number of a seller, identity card information of an operator of the seller and payment information to form a first information set;
the second information acquisition module is used for acquiring the business registration place information of the seller, the identity card information of the seller operator and the payment information to form a second information set;
the third information acquisition module is used for acquiring the telephone number information of the seller operator, the identity card information of the seller operator and the payment information to form a third information set;
the first two-dimensional code generating module is used for generating a first two-dimensional code from the first information set;
the second two-dimensional code generating module is used for generating a second two-dimensional code from the second information set;
and the third two-dimensional code generating module is used for generating a third two-dimensional code from the third information set.
3. The system of claim 1, wherein the payment module comprises:
the scanning module is used for scanning the two-dimensional code displayed on the display by the buyer through the application terminal embedded in the mobile terminal to acquire information on the two-dimensional code;
the extraction module is used for extracting business license registration numbers and seller operator identity card information, business registration place information and seller operator identity card information or seller operator telephone number information and seller operator identity card information in the two-dimensional code information;
the comparison module is used for comparing the extracted business license registration number and the seller operator identity card information, the business registration place information and the seller operator identity card information or the seller operator telephone number information and the seller operator identity card information with corresponding information in the reference information set, and simultaneously detecting whether the current two-dimensional code display time is consistent with the display time corresponding to the scanned and extracted two-dimensional code information; if the acquired information is consistent with the corresponding system information in the reference information and the time information is correspondingly consistent, calling payment information in the identification information of the two-dimensional code to carry out payment butt joint; and if the acquired information is inconsistent with the corresponding relationship information and the time information in the reference information, performing a subsequent payment process.
4. The system of claim 1, wherein the operation of the trusted mobile payment system comprises:
generating a plurality of two-dimensional codes by using the basic information of the seller;
storing a plurality of two-dimension codes into display equipment, setting a two-dimension code replacement period of a display every day, simultaneously storing a display sequence and display time of each two-dimension code into an application terminal, and then replacing the two-dimension codes by using the display according to the two-dimension code replacement period;
acquiring a business license registration number, business registration place information, seller operator identity card information and seller operator telephone number information of a seller, and forming a reference information set;
storing the reference information set into an application terminal, wherein the application terminal is installed in a mobile terminal of a buyer;
when the buyer pays the mobile terminal, whether the safe payment is carried out is judged by comparing the two-dimensional code information with the reference information set;
when the payment process is interrupted due to inconsistent information, immediately carrying out alarm prompt on seller operators in a short message and telephone double prompt mode;
when the alarm is prompted, the first information set, the second information set and the third information set are obtained again, the corresponding first two-dimension code, the corresponding second two-dimension code and the corresponding third two-dimension code are generated again and sent to the display to be displayed, meanwhile, the two-dimension code replacement period of the display is adjusted again, and two-dimension code replacement display is carried out according to the adjusted two-dimension code replacement period.
5. The system of claim 4, wherein the generating a plurality of two-dimensional codes by using the basic information of the seller comprises:
acquiring a business license registration number of a seller, identity card information of an operator of the seller and payment information to form a first information set;
acquiring business registration place information of a seller, identity card information of seller operators and payment information to form a second information set;
acquiring the telephone number information of the seller operator, the identity card information of the seller operator and the payment information to form a third information set;
generating a first two-dimensional code from the first information set;
generating a second two-dimensional code from the second information set;
and generating a third two-dimensional code from the third information set.
6. The system of claim 4, wherein the buyer's determination of whether to make a secure payment by comparing the two-dimensional code information with the reference information set when making a mobile terminal payment comprises:
a buyer scans a two-dimensional code displayed on a display through an application terminal embedded in a mobile terminal to acquire information on the two-dimensional code;
extracting business license registration numbers and seller operator identity card information, business registration place information and seller operator identity card information or seller operator telephone number information and seller operator identity card information in the two-dimensional code information;
comparing the extracted business license registration number and the seller operator identity card information, the business registration place information and the seller operator identity card information or the seller operator telephone number information and the seller operator identity card information with corresponding information in the reference information set, and simultaneously detecting whether the display time of the current two-dimensional code is consistent with the display time corresponding to the scanned and extracted two-dimensional code information; if the acquired information is consistent with the corresponding system information in the reference information and the time information is correspondingly consistent, calling payment information in the identification information of the two-dimensional code to carry out payment butt joint; and if the acquired information is inconsistent with the corresponding relationship information and the time information in the reference information, performing a subsequent payment process.
7. A trusted mobile payment device comprising a display and an electronic device; the display is in data connection with the electronic equipment in a wireless transmission mode; the electronic device comprises a memory and a processor, wherein the memory stores a computer program, and the processor realizes the modules and the operation steps of the system of any one of claims 1 to 6 when executing the computer program.
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| US20160027017A1 (en) * | 2014-07-22 | 2016-01-28 | Ca, Inc. | Method and system for using dynamic cvv in qr code payments |
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| CN108876366A (en) * | 2018-05-20 | 2018-11-23 | 智车优行科技（北京）有限公司 | Processing method, system and the device of two dimensional code, vehicle, electronic equipment, program and medium |
| CN111597851B (en) * | 2020-05-20 | 2023-06-23 | 云腾数宇数字技术有限公司 | Two-dimensional code anti-counterfeiting processing method, system, computer readable medium and electronic equipment |
| CN112036868B (en) * | 2020-09-02 | 2024-01-26 | 中国银行股份有限公司 | Two-dimensional code secure payment method, device, storage medium and equipment |
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| WO2014201780A1 (en) * | 2013-06-20 | 2014-12-24 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus and system for payment validation |
| CN105631665A (en) * | 2014-10-30 | 2016-06-01 | 陕西高华知本化工科技有限公司 | Security payment method based on PKI |
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