CN113592482A - Payment binding method applied to Internet of things non-inductive consumption and Internet of things non-inductive consumption system - Google Patents
Payment binding method applied to Internet of things non-inductive consumption and Internet of things non-inductive consumption system Download PDFInfo
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Abstract
The invention provides a payment binding method applied to Internet of things non-inductive consumption and an Internet of things non-inductive consumption system. The method comprises the following steps: the consumption terminal induces the radio frequency chip in the consumption medium to obtain the original identity code of the radio frequency chip; the consumption terminal expands the original identity code according to a preset expansion algorithm to obtain an expanded identity code; the consumption terminal sends the extended identity code to the cloud service platform; the cloud service platform acquires a domain code corresponding to a region where the current service is located; combining the domain code and the extended identity code by the cloud service platform to obtain a target identity code and sending the target identity code to the consumption terminal; the consumption terminal writes the target identity code into the radio frequency chip; the cloud service platform associates and binds the target identity code and the payment account number to be bound, and the target identity code is used as an identity identification mark of the radio frequency chip to be bound with the payment account number, so that the consumption safety of the Internet of things can be improved, and the consumption experience of a user is improved.
Description
Technical Field
The invention relates to the technical field of Internet of things, in particular to a payment binding method applied to Internet of things non-inductive consumption and an Internet of things non-inductive consumption system.
Background
The development of the technology of the internet of things enables more objects to become intelligent machines and tools capable of self-help service. Such as a bicycle, a charger, a water dispenser, a washing machine, a self-service vending machine, etc. The key for realizing self-service is based on popularization of mobile phone payment, and a user obtains use of self-service equipment in a code scanning payment mode; in recent two years, through the development of biometric identification technology, such as fingerprint and face identification, a non-sensitive payment means such as face-brushing payment is developed, and more convenient payment modes can be developed and matured in various scenes.
The radio frequency chip is an identity recognition tool commonly used in the field of Internet of things, and when the radio frequency chip is used, the digital identity of the radio frequency chip can be recognized through the original identity code of the radio frequency chip, so that the functions of identity verification, consumption and the like can be conveniently performed through the radio frequency chip. However, the original identity code of a general radio frequency chip is a 10-bit digital code, and the possibility that two radio frequency chips produced by different chip manufacturers have the same original identity code is very high, so that the security of digital identity authentication through the original identity code of the radio frequency chip is not high, an identity authentication error may occur, and particularly when the radio frequency chip is used for consumption, a risk of a wrong money deduction or embezzlement may occur.
Disclosure of Invention
The invention aims to provide a payment binding method applied to the Internet of things non-inductive consumption, which can improve the consumption safety and the consumption experience of a user.
The invention also aims to provide the Internet of things non-inductive consumption system, which can improve the consumption safety and the consumption experience of the user.
In order to achieve the purpose, the invention provides a payment binding method applied to the non-inductive consumption of the Internet of things, which comprises the following steps:
step S1, the consumption terminal induces the radio frequency chip in the consumption medium to obtain the original identity code of the radio frequency chip;
step S2, the consumption terminal expands the original identity code according to a preset expansion algorithm to obtain an expanded identity code;
step S3, the consumption terminal sends the expansion identity code to the cloud service platform;
step S4, the cloud service platform acquires a domain code corresponding to the area where the current service is located;
step S5, the cloud service platform combines the domain code and the extended identity code to obtain a target identity code and sends the target identity code to the consumption terminal;
step S6, the consumption terminal writes the target identity code into the radio frequency chip;
and step S7, the cloud service platform associates and binds the target identity code and the payment account number to be bound.
Specifically, the expansion algorithm preset in step S2 is specifically:
and the consumption terminal sequentially generates multi-bit random numbers and sequentially arranges the multi-bit random numbers after the original identity code according to the generated time sequence to obtain the extended identity code.
Specifically, in step S3, the consumption terminal sends the extended identity code to the cloud service platform through the encrypted channel.
Specifically, in step S6, the consumption terminal encrypts and writes the target identity code into the radio frequency chip.
Specifically, the step S7 includes:
step S71, the user sends a payment binding request including a target identity code and a payment account number to be bound to the cloud service platform;
and step S72, the cloud service platform performs binding association on the target identity code and the payment account number to be bound according to the payment binding request.
Specifically, the step S71 includes:
step S711, the consumption terminal acquires the target identity code of the radio frequency chip;
step S712, the consumption terminal generates a payment binding two-dimensional code containing the target identity code of the radio frequency chip;
step S713, the user scans the payment binding two-dimensional code and enters a payment binding page;
step S714, the user inputs the payment account to be bound on the payment binding page, and sends a payment binding request including the target identity code and the payment account to be bound to the cloud service platform.
Specifically, the step S72 includes:
step S721, the cloud service platform sends a binding verification message to the user according to the payment binding request;
step S722, the user returns a binding confirmation message to the cloud service platform according to the binding verification message;
step S723, the cloud service platform completes the binding association between the target identity code and the payment account to be bound according to the binding confirmation message.
Specifically, the payment binding method applied to the internet of things non-sensory consumption further includes step S8, where the user sends payment limit authorization information to the cloud service platform, so as to perform payment limit authorization on the payment account number bound in association with the target identity code.
Specifically, the consumption medium is a living article containing a radio frequency chip.
The invention also provides an Internet of things non-inductive consumption system, which comprises: the system comprises a consumption medium, a consumption terminal and a cloud service platform, wherein a radio frequency chip is arranged in the consumption medium;
the consumption terminal is used for reading the original identity code of the radio frequency chip, expanding the original identity code according to a preset expansion algorithm to obtain an expanded identity code and sending the expanded identity code to the cloud service platform, and receiving a target identity code from the cloud service platform and writing the target identity code into the radio frequency chip;
the cloud service platform is used for acquiring a domain code corresponding to the current consumption service and an extended identity code sent by the receiving consumption terminal, combining the domain code and the extended identity code to obtain a target identity code, sending the target identity code to the consumption terminal, and performing association binding on the target identity code and the payment account number to be bound.
The invention has the beneficial effects that: the invention provides a payment binding method applied to the non-inductive consumption of the Internet of things, which comprises the following steps: step S1, the consumption terminal induces the radio frequency chip in the consumption medium to obtain the original identity code of the radio frequency chip; step S2, the consumption terminal expands the original identity code according to a preset expansion algorithm to obtain an expanded identity code; step S3, the consumption terminal sends the expansion identity code to the cloud service platform; step S4, the cloud service platform acquires a domain code corresponding to the area where the current service is located; step S5, the cloud service platform combines the domain code and the extended identity code to obtain a target identity code and sends the target identity code to the consumption terminal; step S6, the consumption terminal writes the target identity code into the radio frequency chip; and S7, the cloud service platform associates and binds the target identity code and the payment account to be bound, and the target identity code is used as an identity identification mark of the radio frequency chip to be bound with the payment account, so that the consumption safety of the Internet of things can be improved, and the consumption experience of a user can be improved. The invention also aims to provide the Internet of things non-inductive consumption system, which can improve the consumption safety of the Internet of things and improve the consumption experience of users.
Drawings
For a better understanding of the nature and technical aspects of the present invention, reference should be made to the following detailed description of the invention, taken in conjunction with the accompanying drawings, which are provided for purposes of illustration and description and are not intended to limit the invention.
In the drawings, there is shown in the drawings,
fig. 1 is a flowchart of a payment binding method applied to the internet of things non-inductive consumption according to the present invention;
FIG. 2 is a schematic diagram of an Internet of things non-sensory consumption system of the present invention;
fig. 3 is a flowchart of step S7 of the payment binding method applied to the internet of things non-sensory consumption according to the present invention;
fig. 4 is a flowchart of step S71 of the payment binding method applied to the internet of things non-sensory consumption according to the present invention;
fig. 5 is a flowchart of step S72 of the payment binding method applied to the internet of things non-sensory consumption according to the present invention;
fig. 6 is a consumption flow chart of the internet of things sensorless consumption system of the present invention.
Detailed Description
To further illustrate the technical means and effects of the present invention, the following detailed description is given with reference to the preferred embodiments of the present invention and the accompanying drawings.
Referring to fig. 1 in combination with fig. 2, the present invention provides a payment binding method for internet of things non-inductive consumption, including the following steps:
step S1, the consumption terminal 2 senses the radio frequency chip 11 in the consumption medium 1, and obtains the original identity code of the radio frequency chip 11.
Preferably, the consumption medium 1 may be different living goods containing the radio frequency chip 11 according to different consumption scenes. For example: the water cup containing the radio frequency chip 11, the washing bucket containing the radio frequency chip and the like, wherein the water cup containing the radio frequency chip 11 can be used for self-service drinking water, and the washing bucket containing the radio frequency chip 11 can be used for self-service washing.
In addition, in some special consumption scenarios (such as self-service bathing), the consumption medium may also be a consumption card containing the rf chip 11.
Further, the original identity code of the rf chip 11 is given to each rf chip 11 by the manufacturer of the rf chip 11 before the rf chip 11 leaves the factory, and is used for the identity verification of the rf chip 11. Generally, the original identity code is a ten-digit number code, but this is not a limitation of the present invention, and the specific number of digits of the original identity code can be adjusted according to actual needs, which does not affect the implementation of the present invention.
Specifically, in some embodiments of the present invention, the consumption terminal 2 includes a radio frequency chip read-write module 21, and the consumption terminal 2 induces the radio frequency chip 11 in the consumption medium 1 through the radio frequency chip read-write module 21 to obtain the original identity code of the radio frequency chip 11.
Further, the consumption terminal 2 is changed according to different consumption scenes and the consumption media 1 to match the consumption scenes and the consumption media 1. For example, when the consumption terminal is applied to a self-service drinking scene, if the consumption medium 1 is a water cup containing a radio frequency chip 11, the consumption terminal 2 is correspondingly a water dispenser containing a radio frequency chip read-write module 21; when the consumption terminal 2 is applied to a self-service washing scene, the consumption medium 1 is a washing bucket containing a radio frequency chip 11, and the consumption terminal is correspondingly a washing machine containing a radio frequency chip read-write module 21; when the consumption medium 1 is applied to some other special scenes (such as self-service bathing), the consumption medium is a consumption card containing a radio frequency chip 11, and the consumption terminal 2 is correspondingly a card swiping device comprising a radio frequency chip reading and writing module 21.
Step S2, the consumption terminal 2 expands the original identity code according to a preset expansion algorithm to obtain an expanded identity code.
Specifically, the expansion algorithm preset in step S2 is specifically:
the consumption terminal 2 sequentially generates a multi-bit random number, and sequentially arranges the multi-bit random number after the original identity code according to the generated time sequence to obtain an extended identity code.
Further, in some embodiments of the present invention, in step S2, the consumption terminal 2 sequentially generates six random numbers, and sequentially arranges the six random numbers after the ten-digit code of the original identity code according to the generated time sequence, so as to obtain a sixteen-digit coded extended identity code.
It should be noted that, in the present invention, the original identity code is extended to obtain the extended identity code, so that the situation that different radio frequency chips 11 have the same identity code can be avoided, and it is ensured that the identity code of each radio frequency chip 11 is unique in the area where the current service is located, that is, the identity code of each radio frequency chip 11 is a global unique code.
Specifically, in some embodiments of the present invention, the consumption terminal 2 further includes a processing module 22, the processing module 22 is electrically connected to the radio frequency chip read-write module 21, the radio frequency chip read-write module 21 obtains the original identity code of the radio frequency chip 11 and then sends the original identity code to the processing module 22, and the processing module 22 expands the original identity code according to a preset expansion algorithm to obtain an expanded identity code.
Step S3, the consumption terminal 2 sends the extended identity code to the cloud service platform 3.
Specifically, in some embodiments of the present invention, the consumption terminal 2 further includes a communication module 23, the communication module 23 is electrically connected to the processing module 22, and the processing module 22 expands the extended identity code and then sends the extended identity code to the cloud service platform 3 through the communication module 23.
Preferably, the communication module 23 is a wireless network communication module, such as a 4G communication module or a 5G communication module.
Specifically, the cloud service platform 3 includes a digital authentication module 31 and a payment binding module 32, which are respectively used for digital identity authentication and payment binding of the radio frequency chip 11.
Specifically, in step S3, the consumption terminal 2 sends the extended identity code to the cloud service platform 3 through the encrypted channel. That is, the communication module 23 encrypts and sends the extended identity code to the cloud service platform 3.
Step S4, the cloud service platform 3 obtains a domain code corresponding to the area where the current service is located.
Specifically, in some embodiments of the present invention, in the step S4, the domain code is obtained by the digital authentication module 31 from the globally unique encoder 4 corresponding to the area where the current service is located.
Furthermore, each service area corresponds to a unique encoder 4 for generating a domain code corresponding to the service area. For example, if the area where the current service is located is a consumption service in a university campus, a global unique encoder 4 is set corresponding to the consumption service in the university campus to generate a domain code of the university campus, and if the area where the current service is located is a consumption service in a factory campus, a global unique encoder 4 is set corresponding to the consumption service in the factory campus to generate a domain code of the factory campus, each area where the service is located corresponds to a domain code, and the domain codes corresponding to the areas where different services are located are different.
Step S5, the cloud service platform 3 combines the domain code and the extended identity code to obtain a target identity code and sends the target identity code to the consumption terminal 2.
Specifically, in step S5, the digital authentication module 31 combines the domain code and the extended identity code to obtain a target identity code, and sends the target identity code to the consumption terminal 2.
Further, in some embodiments of the present invention, the field code is a four-digit number code, and a target identity code of twenty bits is obtained by adding the four-digit field code after the extended identity code of sixteen bits.
Step S6, the consumption terminal 2 writes the target identity code into the rf chip 11.
Specifically, in the step S6, the consumption terminal 2 writes the destination identity code into the rf chip 11 in an encrypted manner.
Specifically, in step S6, the communication module 23 receives the target identity code from the digital authentication module 31, transmits the target identity code to the processing module 22, and then the processing module 22 sends the target identity code to the rf chip read/write module 21, and finally the rf chip read/write module 21 writes the target identity code into the rf chip 11, specifically, encrypts the target identity code into a specific sector of the rf chip 11.
It should be noted that, after the target identity code is written into the radio frequency chip 11, the original identity code of the radio frequency chip 11 may be replaced as the identity identification mark of the radio frequency chip 11, and compared with the original identity code, the target identity code is expanded and added with the domain code, so that not only the uniqueness of the target identity code in the area where the current service is located can be ensured, but also the uniqueness of the target identity code in the areas where different services are located can be ensured, thereby effectively avoiding identity authentication errors and improving the safety of internet of things consumption.
Step S7, the cloud service platform 3 associates and binds the target identity code and the payment account to be bound.
Specifically, referring to fig. 3, the step S7 includes:
step S71, the user sends a payment binding request including the target identity code and the payment account to be bound to the cloud service platform 3;
step S72, the cloud service platform 3 performs binding association on the target identity code and the payment account to be bound according to the payment binding request.
Further, referring to fig. 4, the step S71 includes:
step S711, the consumption terminal 2 acquires the target identity code of the radio frequency chip 11;
step S712, the consumption terminal 2 generates a payment binding two-dimensional code including the target identity code of the radio frequency chip 11;
step S713, the user scans the payment binding two-dimensional code and enters a payment binding page;
step S714, the user inputs the payment account to be bound on the payment binding page, and sends a payment binding request including the target identity code and the payment account to be bound to the cloud service platform 3;
further, referring to fig. 5, the step S72 includes:
step S721, the cloud service platform 3 sends a binding verification message to the user according to the payment binding request;
step S722, the user returns a binding confirmation message to the cloud service platform 3 according to the binding verification message;
step S723, the cloud service platform 3 completes the binding association between the target identity code and the payment account to be bound according to the binding confirmation message.
In detail, in some embodiments of the present invention, the specific operation of the step S7, the cloud service platform 3 associating and binding the target identity code and the payment account to be bound is as follows: the rf read/write module 21 senses the rf chip 11 to obtain the target identity code of the rf chip 11, the processing module 22 generates a payment binding two-dimensional code containing the target identity code of the radio frequency chip 11, a user scans the payment binding two-dimensional code through an intelligent terminal such as a mobile phone and enters a payment binding page, the user inputs a payment account to be bound on the payment binding page, and issues a payment binding request including the target identity code and the payment account number to be bound to the payment binding module 32, the payment binding module 32 sends a binding verification message to the user according to the payment binding request, the user returns a binding confirmation message to the payment binding module 32 according to the binding verification message, the payment binding module 32 completes the binding association between the target identity code and the payment account to be bound according to the binding confirmation message.
The payment binding module 32 sends a binding verification message to the user by sending a mobile phone verification code to the user, and the user returns a binding confirmation message by inputting the mobile phone verification code on the payment binding page.
In order to facilitate displaying the generated payment binding two-dimensional code, the consumption terminal 2 may further be provided with a display module electrically connected to the processing module 22, and the display module may be a display screen.
Step S8, the user sends payment limit authorization information to the cloud service platform 3, so as to perform payment limit authorization on the payment account number bound in association with the target identity code.
Specifically, in step S8, the user may authorize the payment limit related to the payment account bound in association with the target identity code through a related service interaction platform (e.g., an applet or a mobile application), for example, the monthly limit is 5 yuan and at the same time, a privacy-free payment is opened, and when the subsequent user uses the related consumption medium 1 to consume within the limit range, the consumption may be completed without any payment operation, thereby implementing the non-sensible consumption.
After the payment binding is completed according to the payment binding method, the user can consume by using the related consumption medium 1, and the specific consumption method is as follows: the method comprises the steps that a user places a consumption medium 1 in a designated area of a consumption terminal 2, a radio frequency read-write module 21 in the consumption terminal 2 senses a radio frequency chip 11 in the consumption medium 1, a target identity code is obtained and sent to a cloud service platform 3 through a communication module 23, the cloud service platform 3 authenticates the target identity code, a payment account number bound with the target identity code is found, the user obtains corresponding commodities/services from the consumption terminal 2 by using the consumption medium 1 and charges the commodities/services, then the user moves the consumption medium 1 out of the consumption terminal 2, the consumption terminal 2 informs the cloud service platform 3 of consumption settlement, corresponding amount in the bound payment account number is deducted, and the purpose of finishing the non-inductive consumption of the Internet of things through the related consumption medium 1 is achieved.
Referring to fig. 6, the following illustrates an application embodiment of the present invention in different application scenarios:
in a self-service drinking scene, a consumption medium 1 is a water cup provided with a radio frequency chip, a consumption terminal 2 is a water dispenser provided with a radio frequency chip read-write module, a processing module and a communication module, when the water dispenser is used for the first time, a user firstly places the water cup at a water outlet of the water dispenser, the water dispenser automatically senses the radio frequency chip in the water cup to obtain an original identity code of the radio frequency chip, the original identity code is expanded to obtain an expanded identity code, the expanded identity code is sent to a cloud service platform 3, the cloud service platform 3 adds a domain code after the expanded identity code to form a target identity code and sends the target identity code to the water dispenser, the water dispenser writes the target identity code into the water cup to complete an identity generation process of the water cup, then the user initiates a payment binding request to bind a payment account number to the water cup and performs corresponding payment limit authorization to complete the payment and limit authorization processes of the water cup, the cup becomes an entity payment account number of the user, the consumption process of using authentication, using charging and paying bills can be completed by placing the cup on the water dispenser, the drinking water non-inductive payment of one person for one cup is realized, the target identity code is used for replacing the original identity code to serve as the identity identification mark, the identity authentication error can be effectively avoided, and the safety and the reliability of the whole consumption process are ensured.
In a self-service washing scene, a consumption medium 1 is a washing barrel provided with a radio frequency chip, a consumption terminal 2 is a washing machine provided with a radio frequency chip reading and writing module, a processing module and a communication module, when the self-service washing machine is used for the first time, a user firstly places the washing barrel in the washing machine, the washing machine automatically senses the radio frequency chip in the washing barrel to obtain an original identity code of the radio frequency chip, the original identity code is expanded to obtain an expanded identity code, the expanded identity code is sent to a cloud service platform 3, the cloud service platform 3 adds a domain code after the expanded identity code to form a target identity code and sends the target identity code to the washing machine, the washing machine writes the target identity code into the washing barrel to complete an identity generation process of the washing barrel, then the user initiates a payment binding request to bind a payment account number to the washing barrel and performs corresponding payment limit authorization to complete the payment binding and limit authorization process of the washing barrel, the washing barrel becomes an entity payment account number of a user, the consumption process of using authentication, using charging and paying bills can be completed by placing the washing barrel on the washing machine, the clothes washing noninductive payment of one person and one barrel is realized, the target identity code is used for replacing the original identity code to serve as the identity identification mark, the identity authentication error can be effectively avoided, and the safety and the reliability of the whole consumption process are ensured.
Referring to fig. 2, the present invention further provides an internet of things non-inductive consumption system, including: the system comprises a consumption medium 1, a consumption terminal 2 and a cloud service platform 3, wherein a radio frequency chip 11 is arranged in the consumption medium 1;
the consumption terminal 2 is configured to read the original identity code of the radio frequency chip 11, expand the original identity code according to a preset expansion algorithm to obtain an expanded identity code, send the expanded identity code to the cloud service platform 3, receive a target identity code from the cloud service platform 3, and write the target identity code into the radio frequency chip 11;
the cloud service platform 3 is configured to obtain a domain code corresponding to a current consumption service and an extended identity code sent by the receiving consumption terminal 2, combine the domain code and the extended identity code to obtain a target identity code, send the target identity code to the consumption terminal 2, and associate and bind the target identity code and a payment account to be bound.
Preferably, the consumption medium 1 may be different living goods containing the radio frequency chip 11 according to different consumption scenes. For example: the water cup containing the radio frequency chip 11, the washing bucket containing the radio frequency chip and the like, wherein the water cup containing the radio frequency chip 11 can be used for self-service drinking water, and the washing bucket containing the radio frequency chip 11 can be used for self-service washing.
In addition, in some special consumption scenarios (such as self-service bathing), the consumption medium 1 may also be a consumption card containing the rf chip 11.
Further, the original identity code of the rf chip 11 is given to each rf chip 11 by the manufacturer of the rf chip 11 before the rf chip 11 leaves the factory, and is used for the identity verification of the rf chip 11. Generally, the original identity code is a ten-digit number code, but this is not a limitation of the present invention, and the specific number of digits of the original identity code can be adjusted according to actual needs, which does not affect the implementation of the present invention.
In particular, in some embodiments of the invention, the consumer terminal 2 comprises: the consumption terminal 2 induces the radio frequency chip 11 in the consumption medium 1 through the radio frequency chip read-write module 21 so as to obtain an original identity code of the radio frequency chip 11.
Further, the consumption terminal 2 is changed according to different consumption scenes and the consumption media to match the consumption scenes and the consumption media 1. For example, when the method is applied to a self-service drinking scene, if the consumption medium 1 is a water cup, the consumption terminal 2 is a water dispenser; when the consumption terminal is applied to a self-service washing scene, if the consumption medium 1 is a washing bucket, the consumption terminal 2 is a washing machine correspondingly; when applied to some other special scenes (such as self-service bathing), the consumption medium 1 is a consumption card, and the consumption terminal 2 is a card swiping device correspondingly.
Specifically, the preset expansion algorithm specifically includes: the consumption terminal 2 sequentially generates a multi-bit random number, and sequentially arranges the multi-bit random number after the original identity code according to the generated time sequence to obtain an extended identity code.
Further, in some embodiments of the present invention, the expansion algorithm is: the consumption terminal 2 sequentially generates six random numbers, and the six random numbers are sequentially arranged after the ten-digit digital code of the original identity code according to the generated time sequence to obtain an extended identity code of the sixteen-digit digital code.
It should be noted that, in the present invention, the original identity code is extended to obtain the extended identity code, so that the situation that different radio frequency chips 11 have the same identity code can be avoided, and it is ensured that the identity code of each radio frequency chip 11 is unique in the area where the current service is located, that is, the identity code of each radio frequency chip 11 is a global unique code.
Specifically, corresponding to the consumption terminal 2, the specific process of the consumption terminal 2 for expanding the original identity code is as follows: the radio frequency chip read-write module 21 obtains the original identity code of the radio frequency chip 11, and then sends the original identity code to the processing module 22, and the processing module 22 expands the original identity code according to a preset expansion algorithm to obtain an expanded identity code.
Preferably, in some embodiments of the present invention, the communication module 23 is a wireless network communication module, such as a 4G communication module or a 5G communication module, and the processing module 22 obtains the extended identity code by extension and then encrypts the extended identity code by the communication module 23 to send the extended identity code to the cloud service platform 3.
Specifically, the cloud service platform 3 includes a digital authentication module 31 and a payment binding module 32, which are respectively used for digital identity authentication and payment binding of the radio frequency chip 11.
Specifically, in some embodiments of the present invention, the domain code is obtained by the digital authentication module 31 from the globally unique encoder 4 corresponding to the area where the current service is located.
Furthermore, each service area corresponds to a unique encoder 4 for generating a domain code corresponding to the service area. For example, if the area where the current service is located is a consumption service in a university campus, a global unique encoder 4 is set corresponding to the consumption service in the university campus to generate a domain code of the university campus, and if the area where the current service is located is a consumption service in a factory campus, a global unique encoder 4 is set corresponding to the consumption service in the factory campus to generate a domain code of the factory campus, each area where the service is located corresponds to a domain code, and the domain codes corresponding to the areas where different services are located are different.
Specifically, the digital authentication module 31 is configured to combine the domain code and the extended identity code to obtain a target identity code, and generate the target identity code to the consumption terminal 2.
Further, in some embodiments of the present invention, the field code is a four-digit number code, and a target identity code of twenty bits is obtained by adding the four-digit field code after the extended identity code of sixteen bits.
Specifically, the communication module 23 is further configured to receive a target identity code from the digital authentication module 31, transmit the target identity code to the processing module 22, send the target identity code to the radio frequency chip read/write module 21 by the processing module 22, and finally write the target identity code into the radio frequency chip 11 by the radio frequency chip read/write module 21, specifically, encrypt the target identity code into a specific sector of the radio frequency chip 11.
It should be noted that, after the target identity code is written into the radio frequency chip 11, the original identity code of the radio frequency chip 11 may be replaced as the identity identification mark of the radio frequency chip 11, and compared with the original identity code, the target identity code is expanded and added with the domain code, which not only ensures the uniqueness of the target identity code in the area where the current service is located, but also ensures the uniqueness of the target identity code in the areas where different services are located, thereby effectively avoiding identity authentication errors and improving the safety of consumption of the internet of things.
Specifically, referring to fig. 3, the specific process of the cloud service platform 3 performing association binding on the target identity code and the payment account to be bound includes:
the cloud service platform 3 receives a payment binding request comprising a target identity code and a payment account to be bound;
and the cloud service platform 3 performs binding association on the target identity code and the payment account number to be bound according to the payment binding request.
Further, in some embodiments of the invention, the generation of the payment binding request is as follows:
the consumption terminal 2 acquires the target identity code of the radio frequency chip 11;
the consumption terminal 2 generates a payment binding two-dimensional code containing the target identity code of the radio frequency chip 11;
scanning the payment binding two-dimensional code by a user to enter a payment binding page;
the user inputs the payment account to be bound on the payment binding page and sends a payment binding request comprising a target identity code and the payment account to be bound to the cloud service platform 3;
further, the process of binding and associating the target identity code and the payment account to be bound includes:
the cloud service platform 3 sends a binding verification message to the user according to the payment binding request;
the user returns a binding confirmation message to the cloud service platform 3 according to the binding verification message;
and the cloud service platform 3 completes the binding association of the target identity code and the payment account number to be bound according to the binding confirmation message.
In detail, in some embodiments of the present invention, the specific process of payment binding is as follows: the rf read/write module 21 senses the rf chip 11 to obtain the target identity code of the rf chip 11, the processing module 22 generates a payment binding two-dimensional code containing the target identity code of the radio frequency chip 11, a user scans the payment binding two-dimensional code through an intelligent terminal such as a mobile phone and enters a payment binding page, the user inputs a payment account to be bound on the payment binding page, and issues a payment binding request including the target identity code and the payment account number to be bound to the payment binding module 32, the payment binding module 32 sends a binding verification message to the user according to the payment binding request, the user returns a binding confirmation message to the payment binding module 32 according to the binding verification message, the payment binding module 32 completes the binding association between the target identity code and the payment account to be bound according to the binding confirmation message.
The payment binding module 32 sends a binding verification message to the user by sending a mobile phone verification code to the user, and the user returns a binding confirmation message by inputting the mobile phone verification code on the payment binding page.
In order to facilitate displaying the generated payment binding two-dimensional code, the consumption terminal 2 may further be provided with a display module electrically connected to the processing module 22, and the display module may be a display screen.
Further, the cloud service platform 3 is further configured to receive payment limit authorization information, and perform payment limit authorization on the payment account number bound in association with the target identity code according to the payment limit authorization information.
Specifically, the user can send payment limit authorization information to the cloud service platform 3 through a related service interaction platform (such as an applet or a mobile phone application program) to perform related payment limit authorization on the payment account number bound in association with the target identity code, for example, the monthly limit is 5 yuan and simultaneously open a secret-free payment, and when the subsequent user uses a related consumption medium to consume in a limit range, the consumption can be completed without performing any payment operation.
After the payment binding is completed according to the payment binding method, the user can consume by using the related consumption medium 1, and the specific consumption method is as follows: the method comprises the steps that a user places a consumption medium 1 in a designated area of a consumption terminal 2, a radio frequency read-write module 21 in the consumption terminal 2 senses a radio frequency chip 11 in the consumption medium 1, a target identity code is obtained and sent to a cloud service platform 3 through a communication module 23, the cloud service platform 3 authenticates the target identity code, a payment account number bound with the target identity code is found, the user obtains corresponding commodities/services from the consumption terminal 2 by using the consumption medium 1 and charges the commodities/services, then the user moves the consumption medium 1 out of the consumption terminal 2, the consumption terminal 2 informs the cloud service platform 3 of consumption settlement, corresponding amount in the bound payment account number is deducted, and the purpose of finishing the non-inductive consumption of the Internet of things through the related consumption medium 1 is achieved.
The following illustrates application embodiments of the present invention in different application scenarios:
in a self-service drinking scene, a consumption medium 1 is a water cup provided with a radio frequency chip, a consumption terminal 2 is a water dispenser provided with a radio frequency chip read-write module, a processing module and a communication module, when the water dispenser is used for the first time, a user firstly places the water cup at a water outlet of the water dispenser, the water dispenser automatically senses the radio frequency chip in the water cup to obtain an original identity code of the radio frequency chip, the original identity code is expanded to obtain an expanded identity code, the expanded identity code is sent to a cloud service platform 3, the cloud service platform 3 adds a domain code after the expanded identity code to form a target identity code and sends the target identity code to the water dispenser, the water dispenser writes the target identity code into the water cup to complete an identity generation process of the water cup, then the user initiates a payment binding request to bind a payment account number to the water cup and performs corresponding payment limit authorization to complete the payment and limit authorization processes of the water cup, the cup becomes an entity payment account number of the user, the consumption process of using authentication, using charging and paying bills can be completed by placing the cup on the water dispenser, the drinking water non-inductive payment of one person for one cup is realized, the target identity code is used for replacing the original identity code to serve as the identity identification mark, the identity authentication error can be effectively avoided, and the safety and the reliability of the whole consumption process are ensured.
In a self-service washing scene, a consumption medium 1 is a washing barrel provided with a radio frequency chip, a consumption terminal 2 is a washing machine provided with a radio frequency chip reading and writing module, a processing module and a communication module, when the self-service washing machine is used for the first time, a user firstly places the washing barrel in the washing machine, the washing machine automatically senses the radio frequency chip in the washing barrel to obtain an original identity code of the radio frequency chip, the original identity code is expanded to obtain an expanded identity code, the expanded identity code is sent to a cloud service platform 3, the cloud service platform 3 adds a domain code after the expanded identity code to form a target identity code and sends the target identity code to the washing machine, the washing machine writes the target identity code into the washing barrel to complete an identity generation process of the washing barrel, then the user initiates a payment binding request to bind a payment account number to the washing barrel and performs corresponding payment limit authorization to complete the payment binding and limit authorization process of the washing barrel, the washing barrel becomes an entity payment account number of a user, the consumption process of using authentication, using charging and paying bills can be completed by placing the washing barrel on the washing machine, the clothes washing noninductive payment of one person and one barrel is realized, the target identity code is used for replacing the original identity code to serve as the identity identification mark, the identity authentication error can be effectively avoided, and the safety and the reliability of the whole consumption process are ensured.
In summary, the invention provides a payment binding method applied to the internet of things non-inductive consumption and an internet of things non-inductive consumption system. The method comprises the following steps: the consumption terminal induces the radio frequency chip in the consumption medium to obtain the original identity code of the radio frequency chip; the consumption terminal expands the original identity code according to a preset expansion algorithm to obtain an expanded identity code; the consumption terminal sends the extended identity code to the cloud service platform; the cloud service platform acquires a domain code corresponding to a region where the current service is located; combining the domain code and the extended identity code by the cloud service platform to obtain a target identity code and sending the target identity code to the consumption terminal; the consumption terminal writes the target identity code into the radio frequency chip; the cloud service platform associates and binds the target identity code and the payment account number to be bound, and the target identity code is used as an identity identification mark of the radio frequency chip to be bound with the payment account number, so that the consumption safety of the Internet of things can be improved, and the consumption experience of a user is improved.
As described above, it will be apparent to those skilled in the art that other various changes and modifications may be made based on the technical solution and concept of the present invention, and all such changes and modifications are intended to fall within the scope of the appended claims.
Claims (10)
1. A payment binding method applied to the non-inductive consumption of the Internet of things is characterized by comprising the following steps:
step S1, the consumption terminal induces the radio frequency chip in the consumption medium to obtain the original identity code of the radio frequency chip;
step S2, the consumption terminal expands the original identity code according to a preset expansion algorithm to obtain an expanded identity code;
step S3, the consumption terminal sends the expansion identity code to the cloud service platform;
step S4, the cloud service platform acquires a domain code corresponding to the area where the current service is located;
step S5, the cloud service platform combines the domain code and the extended identity code to obtain a target identity code and sends the target identity code to the consumption terminal;
step S6, the consumption terminal writes the target identity code into the radio frequency chip;
and step S7, the cloud service platform associates and binds the target identity code and the payment account number to be bound.
2. The payment binding method applied to the internet of things non-sensory consumption as claimed in claim 1, wherein the preset expansion algorithm in the step S2 is specifically:
and the consumption terminal sequentially generates multi-bit random numbers and sequentially arranges the multi-bit random numbers after the original identity code according to the generated time sequence to obtain the extended identity code.
3. The payment binding method applied to the internet of things non-sensory consumption as claimed in claim 1, wherein in the step S3, the consumption terminal sends the extended identity code to the cloud service platform through an encryption channel.
4. The payment binding method for the internet of things non-sensible consumption as claimed in claim 1, wherein in the step S6, the consumption terminal writes the target identity code into the rf chip in an encrypted manner.
5. The payment binding method applied to the internet of things non-sensory consumption of claim 1, wherein the step S7 comprises:
step S71, the user sends a payment binding request including a target identity code and a payment account number to be bound to the cloud service platform;
and step S72, the cloud service platform performs binding association on the target identity code and the payment account number to be bound according to the payment binding request.
6. The payment binding method applied to the internet of things non-sensory consumption of claim 5, wherein the step S71 comprises:
step S711, the consumption terminal acquires the target identity code of the radio frequency chip;
step S712, the consumption terminal generates a payment binding two-dimensional code containing the target identity code of the radio frequency chip;
step S713, the user scans the payment binding two-dimensional code and enters a payment binding page;
step S714, the user inputs the payment account to be bound on the payment binding page, and sends a payment binding request including the target identity code and the payment account to be bound to the cloud service platform.
7. The payment binding method applied to the internet of things non-sensory consumption of claim 5, wherein the step S72 comprises:
step S721, the cloud service platform sends a binding verification message to the user according to the payment binding request;
step S722, the user returns a binding confirmation message to the cloud service platform according to the binding verification message;
step S723, the cloud service platform completes the binding association between the target identity code and the payment account to be bound according to the binding confirmation message.
8. The payment binding method applied to the internet of things non-sensory consumption as claimed in claim 1, further comprising step S8, the user sends payment limit authorization information to the cloud service platform to authorize the payment limit of the payment account bound in association with the target identity code.
9. The payment binding method applied to the internet of things non-sensory consumption as recited in claim 1, wherein the consumption medium is a living article containing a radio frequency chip.
10. An Internet of things non-inductive consumption system, comprising: the system comprises a consumption medium, a consumption terminal and a cloud service platform, wherein a radio frequency chip is arranged in the consumption medium;
the consumption terminal is used for reading the original identity code of the radio frequency chip, expanding the original identity code according to a preset expansion algorithm to obtain an expanded identity code and sending the expanded identity code to the cloud service platform, and receiving a target identity code from the cloud service platform and writing the target identity code into the radio frequency chip;
the cloud service platform is used for acquiring a domain code corresponding to the current consumption service and an extended identity code sent by the receiving consumption terminal, combining the domain code and the extended identity code to obtain a target identity code, sending the target identity code to the consumption terminal, and performing association binding on the target identity code and the payment account number to be bound.
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