CN115187239A - Electricity charge payment method and device under double off-line scene - Google Patents

Electricity charge payment method and device under double off-line scene Download PDF

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Publication number
CN115187239A
CN115187239A CN202211103563.4A CN202211103563A CN115187239A CN 115187239 A CN115187239 A CN 115187239A CN 202211103563 A CN202211103563 A CN 202211103563A CN 115187239 A CN115187239 A CN 115187239A
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China
Prior art keywords
payment
electric charge
data
offline
preset information
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CN202211103563.4A
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Chinese (zh)
Inventor
朱辉
李一萌
赵丙镇
辛存生
何通
侯磊
李拥杰
焦会英
乔子真
李曦
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Guowang Xiongan Finance Technology Group Co ltd
State Grid Huitong Jincai Beijing Information Technology Co ltd
State Grid Digital Technology Holdings Co ltd
Digital Currency Institute of the Peoples Bank of China
Original Assignee
Guowang Xiongan Finance Technology Group Co ltd
State Grid Huitong Jincai Beijing Information Technology Co ltd
State Grid Digital Technology Holdings Co ltd
Digital Currency Institute of the Peoples Bank of China
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Application filed by Guowang Xiongan Finance Technology Group Co ltd, State Grid Huitong Jincai Beijing Information Technology Co ltd, State Grid Digital Technology Holdings Co ltd, Digital Currency Institute of the Peoples Bank of China filed Critical Guowang Xiongan Finance Technology Group Co ltd
Priority to CN202211103563.4A priority Critical patent/CN115187239A/en
Publication of CN115187239A publication Critical patent/CN115187239A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/602—Providing cryptographic facilities or services
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0658—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed locally
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/06—Electricity, gas or water supply

Abstract

The embodiment of the application discloses an electric charge payment method and device under a double off-line scene, wherein preset information and payment mode data of a payment terminal are read through a Near Field Communication (NFC) technology, and the preset information comprises a province code and a user number of an electric charge payment account; acquiring a payment amount corresponding to the electric charge payment account; and generating offline electric charge payment data according to the preset information, the payment mode data and the payment amount. Therefore, in a double-off-line scene of the payment terminal and the collection terminal, the collection terminal in the embodiment of the application can read necessary information of the electric charge payment service from the payment terminal through the NFC technology, and the generation of corresponding electric charge payment data in the double-off-line scene is realized. In addition, the electric charge payment process in the embodiment of the application omits the complicated operation of manually inputting the province code and the account number, avoids the condition of error input possibly caused by manually inputting the province code and the account number, and improves the efficiency and the accuracy of the electric charge payment service.

Description

Electricity charge payment method and device under double off-line scene
Technical Field
The application relates to the field of electric charge payment, in particular to an electric charge payment method and device under a double-off-line scene.
Background
The electricity fee payment service is a service mode which can be completed only by providing a province code, a user number, a payment mode and a payment amount. The provincial number represents the provincial part of the payment account, and the household number represents the electric power payment household number of the user.
At present, the input modes of electricity charge payment information such as a code saving mode, a household number, a payment mode and a payment amount mainly comprise two modes. One method is to read the historical payment information of the payment user, list a plurality of province codes and account numbers in the historical payment for the selection of the payment user, and manually select the payment mode by manually inputting the payment amount. The other is to manually input the province code, the account number and the payment amount by the user, and to manually select the payment method. For the first mode, the historical payment information of the payment user needs to be acquired through interaction between the network and the server, and the operation condition is not met in the dual-off-line environment. For the second mode, the user is required to memorize or otherwise record the electricity fee payment information and manually input the information, so that human errors are easy to occur in the continuous information transfer process, and the running conditions are not met under the dual-off-line environment.
Disclosure of Invention
In view of this, the embodiment of the present application discloses an electric charge payment method and an apparatus in a dual offline scenario, so as to generate corresponding electric charge payment data in the dual offline scenario.
The technical scheme provided by the embodiment of the application is as follows:
the first aspect of the embodiments of the present application provides an electric charge payment method in a dual offline scenario, where the method includes:
reading preset information and payment mode data of a payment terminal through a Near Field Communication (NFC) technology; the preset information comprises a provincial code and a household number of the electric charge payment account;
acquiring a payment amount corresponding to the electric charge payment account;
and generating offline electric charge payment data according to the preset information, the payment mode data and the payment amount.
In one possible implementation, the preset information and the payment means data are stored in a digital currency hard wallet of the payment terminal.
In a possible implementation manner, the obtaining of the payment amount corresponding to the electricity payment account includes:
acquiring a default payment amount corresponding to the electric charge payment account from the payment terminal through the NFC technology;
or acquiring the payment amount corresponding to the electricity payment account input through the collection terminal.
In a possible implementation manner, the preset information is preset information after encryption processing, and the generating of the offline electric charge payment data according to the preset information, the payment method data, and the payment amount includes:
decrypting the preset information to obtain decrypted preset information;
and generating offline electric charge payment data according to the decrypted preset information, the payment mode data and the payment amount.
In one possible implementation, the method further includes:
encrypting the offline electric charge payment data to obtain encrypted offline electric charge payment data;
and synchronously storing the encrypted offline electric charge payment data in a main data storage module and a standby data storage module.
In one possible implementation, the method further includes:
performing data signature on the encrypted offline electric charge payment data to obtain signed offline electric charge payment data;
wherein, the algorithm adopted by the signature comprises:sign i =hash(sign i-1 , data i )；
the above-mentionedsign i Representing a signature mode of the encrypted offline electric charge payment data of the ith pen; when said i is greater than 1, saidsign i-1 The signature mode of the encrypted offline electricity charge payment data of the (i-1) th pen is shown, when the i =1,sign 0 the signature value bound by the identification information of the money receiving terminal is shown; the above-mentionedhashRepresenting a hash function; the above-mentioneddata i And the encrypted offline electric charge payment data of the ith pen is represented.
In one possible implementation, the method further includes:
when the collection terminal is on line again, establishing network connection with the server;
uploading the encrypted offline electric charge payment data, the signed offline electric charge payment data and the identification information of the collection terminal to the server;
performing data signature verification on the signed offline electric charge payment data;
if the data signature passes the verification, decrypting the encrypted offline electric charge payment data to obtain decrypted offline electric charge payment data;
generating a service bill required by the electric charge payment service according to the decrypted offline electric charge payment data and the identification information of the collection terminal;
and transmitting the electric quantity information corresponding to the offline electric charge payment data to the electric meter corresponding to the household number.
The second aspect of the present application provides an electric charge payment apparatus in a dual offline scenario, the apparatus comprising:
the reading unit is used for reading the preset information and the payment mode data of the payment terminal through the Near Field Communication (NFC) technology; the preset information comprises a provincial code and a household number of the electric charge payment account;
the acquisition unit is used for acquiring the payment amount corresponding to the electric charge payment account;
and the generating unit is used for generating offline electric charge payment data according to the preset information, the payment mode data and the payment amount.
In a possible implementation manner, the preset information is preset information after being encrypted, and the generating unit includes:
the preset information decryption unit is used for decrypting the preset information to obtain decrypted preset information;
and the generating subunit is used for generating offline electric charge payment data according to the decrypted preset information, the payment mode data and the payment amount.
In one possible implementation, the apparatus further includes;
the encryption unit is used for encrypting the offline electric charge payment data to obtain the encrypted offline electric charge payment data;
and the synchronous storage unit is used for synchronously storing the encrypted offline electric charge payment data in the main data storage module and the standby data storage module.
According to the technical scheme, the embodiment of the application discloses an electric charge payment method and device under a double off-line scene, preset information and payment mode data of a payment terminal are read through a Near Field Communication (NFC) technology, and the preset information comprises a province code and a user number of an electric charge payment account; acquiring a payment amount corresponding to an electric charge payment account; and generating offline electric charge payment data according to the preset information, the payment mode data and the payment amount. Therefore, in a double-off-line scene of the payment terminal and the collection terminal, the collection terminal in the embodiment of the application can read necessary information of the electric charge payment service from the payment terminal through the NFC technology, and the generation of corresponding electric charge payment data in the double-off-line scene is realized. In addition, the electric charge payment process in the embodiment of the application omits the complicated operation of manually inputting the province code and the account number, avoids the condition of error input possibly caused by manually inputting the province code and the account number, and improves the efficiency and the accuracy of the electric charge payment service.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the disclosed drawings without creative efforts.
Fig. 1 is a flowchart of an electric charge payment method in a dual offline scenario according to an embodiment of the present application;
fig. 2 is a diagram illustrating a conventional electric charge payment service process and a comparison between a dual offline electric charge payment service process disclosed in the embodiment of the present application;
fig. 3 is a schematic structural diagram of an electric charge payment device in a dual offline scenario according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present application without making any creative effort belong to the protection scope of the present application.
The embodiment of the application discloses an electric charge payment method and device under a double off-line scene, which comprises the steps of reading preset information and payment mode data of a payment terminal through a Near Field Communication (NFC) technology, wherein the preset information comprises a provincial code and a household number of an electric charge payment account; acquiring a payment amount corresponding to an electric charge payment account; and generating offline electric charge payment data according to the preset information, the payment mode data and the payment amount. Therefore, in a double-off-line scene of the payment terminal and the collection terminal, the collection terminal in the embodiment of the application can read necessary information of the electric charge payment service from the payment terminal through the NFC technology, and the generation of corresponding electric charge payment data in the double-off-line scene is realized. In addition, the electric charge payment process in the embodiment of the application omits the complicated operation of manually inputting the province code and the account number, avoids the condition of error input possibly caused by manually inputting the province code and the account number, and improves the efficiency and the accuracy of the electric charge payment service.
Referring to fig. 1, an embodiment of the present application discloses a flowchart of an electric charge payment method in a dual offline scenario, where the method includes:
step S101, reading preset information and a payment mode of a payment terminal through a Near Field Communication (NFC) technology; the preset information comprises a provincial code and a household number of the electric charge payment account;
it should be noted that the house number is also called a power consumption number, one electric meter of one power consumption customer corresponds to one electric fee house number, and the house number and the electric meter number are unique and have no repeated number. The payment mode data is used for determining information of an account of a payer, such as a specific bank card number or an identifier corresponding to the bank card number, and the information is not limited specifically, and can be set according to actual requirements, and after the subsequent off-line electric charge payment data is uploaded to a server, registration and account entry can be performed according to the payment mode data so as to complete a payment link in the electric charge payment business process.
The dual offline means that both the receipt terminal and the payment terminal are in a state without a network. Near Field Communication (NFC) is a short-range, high-frequency radio technology that establishes a channel by means of electromagnetic waves when devices are close to each other, and exchanges data. In the embodiment of the application, the payment terminal can touch the collection terminal, and the collection terminal reads the preset information and the payment mode of the payment terminal through the NFC technology.
In the embodiment of the application, the preset information and the payment mode data can be stored in a digital currency hard wallet of the payment terminal, wherein the digital currency hard wallet refers to hardware equipment for storing digital currency value information; the preset information can also be preset in other terminal devices supporting the NFC function, and is not particularly limited and can be set according to actual requirements. The embodiment of the application supports various preset information writing and modifying modes, and the optional modes include but are not limited to: the online writing in of the business hall, the trusted writing in of the hard wallet issuer, the online app writing, the writing in of the money receiving terminal and the like can be selected according to actual requirements, and the writing and modifying modes are not limited specifically. In addition, the characteristics affecting data reading, writing and analysis, such as the content, format, and encryption method of the written data, are consistent regardless of the writing method.
It should be noted that the digital currency hard wallet has a very rich form, and in a broad sense, devices having the payment capability of the digital currency hard wallet may be called digital currency hard wallets. According to current practice, common forms include: aiming at old people and student groups, the system loads digital RMB and an electronic old-age certificate, an electronic student certificate and the like which integrate the functions of GPS positioning, family conversation, emergency help seeking, electronic fence and the like; the digital RMB hard wallet such as a visual card, a smart watch and the like which can be independently used from the smart phone can be separated; the digital RMB hard wallet aiming at different use environments or functions comprises gloves, card sleeves, a mobile phone shell, a charger, an alarm, a key ring and the like; provided is a digital RMB hard wallet of a smart phone. It will be appreciated that the form of digital currency hard wallets is continually expanding. The purpose of the 'preset information and payment mode data can be stored in the digital money hard wallet of the payment terminal' in the embodiment of the application is to indicate that the preset information is transmitted between the collection terminal and the payment terminal through the same information channel as the payment mode data of the digital money hard wallet, and a second information channel is not established.
It should be noted that the preset information stored in the payment terminal may be any data capable of assisting in completing the electric charge payment service in the dual offline mode, and may be classified into information type data, reference type data, identification type data, and the like. The information data can include necessary information such as province codes, account numbers, payment amounts and the like applied to the electricity charge payment service logic processing flow; the reference data may include data that cannot be obtained online in an offline state and needs to be preset to provide reference, such as electricity charge price and code conversion; the identification class data may include data for assisting identification of the device and data for assisting identification information class data, such as a user name, a power utilization address, etc. corresponding to the user number. The data such as the information data, the reference data, the identification data and the like can select one subset to be preset in the payment terminal according to needs, the data organization mode can be to combine all information and encrypt and store the combined information, or generate and store a plurality of pieces of encrypted data according to the data type, and the data organization mode is not limited specifically and can be set according to actual requirements.
Step S102, obtaining a payment amount corresponding to the electric charge payment account;
the method for acquiring the payment amount corresponding to the electric charge payment account in the embodiment of the application comprises the following steps: acquiring a default payment amount corresponding to the electric charge payment account from the payment terminal through the NFC technology; or acquiring the payment amount corresponding to the electricity payment account input through the collection terminal. The default payment amount is a preset payment amount and is stored in the payment terminal. It should be noted that in the dual offline payment scenario, the payment terminal may be a device without input capability, such as a hardware wallet in the form of a card. Therefore, the necessary input in the electricity fee payment service process can be realized by the input of the collection terminal. Therefore, the embodiment of the application provides two payment amount acquisition modes, so that a user can conveniently select and set the corresponding payment amount acquisition mode according to the payment habit and the payment requirement of the user.
It should be noted that, in this embodiment, before obtaining the payment amount corresponding to the electricity charging account, it may be checked whether the payment terminal stores a default payment amount, if the default payment amount is stored, the default payment amount corresponding to the electricity charging account is obtained from the payment terminal through the NFC technology, and if the default payment amount is not stored, the payment amount corresponding to the electricity charging account input through the collection terminal is obtained.
And step S103, generating offline electric charge payment data according to the preset information, the payment mode data and the payment amount.
It should be noted that, in the embodiment of the present application, when the payment receiving terminal is on-line again, a network connection may be established with the server; the collection terminal uploads the offline electric charge payment data and the identification information of the collection terminal to the server, the server generates a service bill required by the electric charge payment service according to the offline electric charge payment data, and electric quantity information corresponding to the offline electric charge payment data is issued to an electric meter corresponding to the account number.
The embodiment of the application discloses an electric charge payment method under a double off-line scene, which comprises the steps of reading preset information and payment mode data of a payment terminal through a Near Field Communication (NFC) technology, wherein the preset information comprises a province code and a user number of an electric charge payment account; acquiring a payment amount corresponding to the electric charge payment account; and generating offline electric charge payment data according to the preset information, the payment mode data and the payment amount. Therefore, in a double-off-line scene of the payment terminal and the collection terminal, the collection terminal in the embodiment of the application can read necessary information of the electric charge payment service from the payment terminal through the NFC technology, and the generation of corresponding electric charge payment data in the double-off-line scene is realized. In addition, the electric charge payment process in the embodiment of the application omits the complicated operation of manually inputting the province code and the account number, avoids the condition of error input possibly caused by manually inputting the province code and the account number, and improves the efficiency and the accuracy of the electric charge payment service.
In order to further optimize the foregoing embodiment, in the embodiment of the present application, the preset information is preset information after encryption processing, and step S103 includes:
step S1031, decrypting the preset information to obtain decrypted preset information;
it should be noted that, in order to prevent the information leakage caused by unauthorized access to the preset information, the preset information is encrypted in the embodiment of the present application. The encryption processing mode can be as follows: a dictionary is defined, and a plurality of different types of data are stored respectively in the following forms: < powerUserID = 12345 area code = 10101>, powerUserID indicates a user number, and area code indicates a province code; and then combining the information into a Json format, and encrypting the Json format through an SM4 algorithm or other reversible algorithms. It should be understood that the above encryption manner is only an exemplary illustration and should not be construed as a limitation to the present application, and the embodiment of the present application may perform encryption processing on the preset information in other manners.
It should be noted that, after the preset information is obtained in the implementation of the present application, the read preset information is verified, and whether the preset information is the preset information meeting the specification or not is determined. And after the verification is successful, the read preset information is decrypted by using a decryption algorithm and a secret key matched with the encryption algorithm of the preset information, so that the preset information of the payment terminal is obtained.
And S1032, generating offline electric charge payment data according to the decrypted preset information, the payment mode data and the payment amount.
Therefore, the preset information is encrypted in the embodiment of the application, so that the correct preset information can be obtained only by decrypting the preset information after the collection terminal reads the preset information, and even if other NFC equipment reads the preset information, the obtained preset information is meaningless encrypted, the condition that the preset information is leaked due to unauthorized access is avoided, and the safety of the electric charge payment service under a double-off-line environment is ensured.
In order to further optimize the above embodiment, the method for paying the electric charge in the dual offline scenario provided in the embodiment of the present application further includes:
step S201, encrypting the offline electric charge payment data to obtain encrypted offline electric charge payment data;
it should be noted that, after the collection terminal organizes and generates the offline electric charge payment data according to the preset information, the payment mode data and the payment amount and according to the preset format, the offline electric charge payment data is encrypted, so that the safety of the electric charge payment service in the dual offline environment is ensured.
And S202, synchronously storing the encrypted offline electric charge payment data in a main data storage module and a standby data storage module.
It should be noted that, in order to avoid a situation that the electricity charge payment data cannot be uploaded to the server subsequently due to the damage of the data storage module, in the embodiment of the present application, the encrypted offline electricity charge payment data is synchronously stored in two storage modules, that is, the main data storage module and the standby data storage module. It is understood that the offline electricity charge payment data is also written into the payment terminal.
Therefore, in the embodiment of the application, the offline electric charge payment data is encrypted, the safety of the electric charge payment service in a double offline environment is further ensured, and the encrypted offline electric charge payment data is synchronously stored in the main data storage module and the standby data storage module, so that the condition that the offline electric charge payment data is lost is avoided.
In order to further optimize the above embodiment, the method for paying the electric charge in the dual offline scenario provided in the embodiment of the present application further includes:
and carrying out data signature on the encrypted offline electric charge payment data to obtain the signed offline electric charge payment data.
Wherein, the algorithm adopted by the signature comprises:sign i =hash(sign i-1 , data i )；
the above-mentionedsign i Representing a signature mode of the encrypted offline electric charge payment data of the ith pen; when i is greater than 1, thesign i-1 A signature mode of the encrypted offline electricity fee payment data of the (i-1) th pen is shown, when the i =1,sign 0 a signature value representing the binding of the identification information of the cash receiving terminal; the above-mentionedhashRepresenting a hash function; the above-mentioneddata i And the encrypted offline electric charge payment data of the ith pen is represented.
It should be noted that the signed offline electricity fee payment data can also be synchronously stored in the main data storage module and the standby data storage module, so as to avoid the situation of data loss.
Therefore, in the embodiment of the application, the signature mode of the current encrypted offline electric charge payment data is generated by using the signature mode of the last encrypted offline electric charge payment data and the current encrypted offline electric charge payment data, so that the offline electric charge payment data can be read only according to the transaction occurrence sequence, and the falsification of any one piece of offline electric charge payment data can be identified, and the integrity and the falsification of the offline electric charge payment data are ensured.
In order to further optimize the above embodiment, the method for paying electricity charges under a dual offline scenario provided in the embodiment of the present application further includes:
step S301, after the collection terminal is on line again, establishing network connection with the server;
it should be noted that the electricity fee payment service has the characteristic that payment and delivery are not synchronous, and delivery specifically refers to a process of delivering electricity fee information to a user electricity meter through a collection network in the electricity fee payment service, which is hereinafter referred to as "electricity delivery". In the existing electric charge payment service, the electric quantity issuing process is called and completed through a multilayer network after payment is completed, and the process cannot be completed in an off-line state, so that the electric charge payment method under a double off-line scene is split into two stages in the embodiment of the application, the first stage is only used for collecting information, collecting necessary information required by electric charge payment, including code saving, account number, payment amount, payment mode data and the like, and designing, collecting, converting and storing the necessary information; and the second stage of carrying out electric charge payment service processing, and after the collection terminal is online again, continuing service processing according to the data stored in the offline state, designing, checking, analyzing and reading the data stored in the offline state, and continuing service processing.
Step S302, uploading the encrypted offline electric charge payment data, the signed offline electric charge payment data and the identification information of the collection terminal to the server;
step S303, carrying out data signature verification on the signed offline electric charge payment data;
it should be noted that, in the embodiment of the present application, the service end performs data signature verification on the signed offline electric charge payment data, and performs data analysis and verification one by one according to the offline transaction occurrence sequence to determine whether the offline electric charge payment data is complete and has not been tampered.
Step S304, if the data signature passes the verification, decrypting the encrypted offline electric charge payment data to obtain decrypted offline electric charge payment data;
it should be noted that, in the embodiment of the present application, the server decrypts the encrypted offline electric charge payment data by using the decryption algorithm and the key that are matched with the encryption manner of the offline electric charge payment data, so as to obtain the decrypted offline electric charge payment data, where the decrypted offline electric charge payment data includes all key data required for completing the electric charge payment service.
Step S305, generating a service bill required by the electric charge payment service according to the decrypted off-line electric charge payment data and the identification information of the collection terminal;
and S306, transmitting the electric quantity information corresponding to the payment data to an electric meter corresponding to the account number.
In the embodiment of the application, after the collection terminal is online again, the stored data in the offline state are synchronized to the server side, so that the server side can continue the electric charge payment service processing according to the encrypted offline electric charge payment data and the signed offline electric charge payment data stored in the offline state, and the electric charge payment service in the double offline scene is completely completed by verifying and decrypting the stored data in the offline state, generating the service bill and issuing the electric quantity information.
Referring to fig. 2, a diagram comparing a conventional electric charge payment service process with a dual offline electric charge payment service process disclosed in the embodiment of the present application is shown. It should be noted that the conventional electricity fee charging service process refers specifically to the conventional on-line electricity fee charging service process, and this process is mainly the interaction between the own device of the charging user and the service end.
1. The traditional electricity fee payment service process comprises the following steps:
1.1 the user of paying opens the application of paying the electric charge on line through own equipment, clicks the entrance of paying the electric charge, starts the procedure of paying the electric charge.
1.2 the paying user inputs the provincial code and the account number in the electric charge paying application to determine the electric charge paying account.
And 1.3, the electricity fee payment application interacts with the server, inquires electricity consumption customer information and arrearage information matched with the provincial code and the account number, and displays the information on the electricity fee payment application.
1.4, the paying user inputs a payment mode and a paying amount through the electric charge paying application;
1.5 the electric charge payment application interacts with the server, uploads information such as province code, account number, payment mode, payment amount and the like, and generates a payment order.
1.6 the paying user confirms the information of the paying order and completes payment on the own equipment. The payment is completed by the server, and the server returns the payment result after the payment process is finished.
1.7 the electricity fee payment application shows whether the payment result was successful.
2. The electricity fee payment service process in the double off-line mode comprises the following steps:
2.1 the payment user opens the online electric charge payment application through the payment terminal, clicks the electric charge payment entrance and starts the electric charge payment process.
2.2 the payment terminal and the collection terminal read the data through the NFC module. The collection terminal reads the preset information and the payment mode data from the digital currency hard wallet of the payment terminal, and then obtains the province code and the account number in the preset information through a decryption algorithm.
2.3 the collection terminal checks whether the payment terminal sets up the default payment amount after reading the data through the NFC module. If the payment terminal has set the default payment amount, acquiring the default payment amount, and paying according to the default payment amount, wherein the default payment amount is also read from a digital currency hard wallet of the collection terminal through the NFC module by the collection terminal; if the payment terminal does not set the default payment amount, the payment amount manually input by the payment user through the payment terminal can be obtained, and payment is carried out according to the manually input payment amount.
2.4 the collection terminal generates the off-line electric charge payment data according to the province code, the account number, the payment amount and the payment mode data combination, and temporarily stores the off-line electric charge payment data in the collection terminal and the payment terminal.
2.5 when the collection terminal is on line again, establishing network connection with the server. The collection terminal uploads the temporarily stored offline electric charge payment data to the server, and the server analyzes the offline electric charge payment data to generate a payment order, completes payment and receipt transactions and synchronously writes transaction information into the payment terminal and the collection terminal.
2.6 the payment receiving terminal displays the payment result, including success and failure display modes.
2.7 after the payment is successful, the receipt terminal prints the transaction receipt and the receipt.
It should be noted that, the cash receiving terminal in the embodiment of the present application includes: the device comprises a control module, an input and output module, a storage module and an approach communication NFC module.
And the control module is used for storing and operating a software system supporting the realization of the embodiment of the application and is used as an entrance for starting double off-line payment.
And the input and output module is used for receiving the input of the payment user, displaying a user interface for guiding the operation of the electric charge payment service, displaying an electric charge payment result, responding to the man-machine interaction between the user and the collection terminal and the like.
And the storage module is used for storing necessary data of the electricity payment process. And storing the transaction result information, wherein the storage field comprises temporary data of the transaction process and transaction result data. Wherein, the transaction information needs to be stored in an encrypted way. The storage requirement needs to support that power-off data is not lost, and in order to prevent the risk that transaction records cannot be uploaded due to damage of storage devices, the storage in the embodiment of the application considers that synchronous double storage devices are added to record the transaction data, and the storage medium can be an SD card, a hard disk, a solid state disk and the like, is not particularly limited, and can be selected according to actual requirements.
The access mode of the near field communication NFC module is an independent NFC module, and the access mode supports a hard link mode of various interfaces and a wireless link mode through Bluetooth. The NFC module mainly comprises a controller, an antenna and a non-contact front end. The near field communication module configuration may be: the main module needs an onboard antenna to support 13.56MHz TypeA type tags, and the micro control unit adopts a security chip, so that algorithms such as national secret (SM 1/SM2/SM3/SM 4) and non-national secret (DES/RSA/AES/SHA/ECC) can be realized. And a serial port or a Bluetooth module is supported for card reading and writing.
It should be noted that, under the condition of non-optimal practice, the collection terminal may download the fee payment user information expected to be used from the server in advance before entering the offline state, and in the offline state, the fee payment user manually inputs the key information required by the electricity fee payment process, and the built-in software system realizes limited information query and display by reading the fee payment user information cached by the collection terminal. However, due to the factors such as the storage capacity of the collection terminal and the expectation of the payment behavior, the above non-optimal practice may be further degraded into that the electricity fee payment user manually inputs the key information and cannot assist in confirming the correctness of the input content through other reference information, but this state still does not affect the operation of the core service flow of the electricity fee payment, and the electricity fee payment operation in the dual off-line mode can still be supported through the NFC technology.
Referring to fig. 3, an exemplary structure of an electric charge payment device in a dual offline scenario disclosed in the present application includes:
a reading unit 301, configured to read preset information and payment mode data of a payment terminal through a near field communication NFC technology; the preset information comprises a provincial code and a household number of the electric charge payment account;
an obtaining unit 302, configured to obtain a payment amount corresponding to the electricity payment account;
the generating unit 303 is configured to generate offline electric charge payment data according to the preset information, the payment method data, and the payment amount.
The embodiment of the application discloses an electric charge payment device under a double off-line scene, which reads preset information and payment mode data of a payment terminal through a Near Field Communication (NFC) technology, wherein the preset information comprises a province code and a house number of an electric charge payment account; acquiring a payment amount corresponding to the electric charge payment account; and generating offline electric charge payment data according to the preset information, the payment mode data and the payment amount. Therefore, in a double-off-line scene of the payment terminal and the collection terminal, the collection terminal in the embodiment of the application can read necessary information of the electric charge payment service from the payment terminal through the NFC technology, and the generation of corresponding electric charge payment data in the double-off-line scene is realized. In addition, the electric charge payment process in the embodiment of the application omits the complicated operation of manually inputting the province code and the account number, avoids the condition of error input possibly caused by manually inputting the province code and the account number, and improves the efficiency and the accuracy of the electric charge payment service.
In order to further optimize the above embodiments, in the electric charge payment apparatus in the dual offline scenario provided in the embodiments of the present application, the preset information and the payment method data are stored in a digital currency hard wallet of the payment terminal.
In order to further optimize the above embodiments, the obtaining unit in the electric charge payment device in the dual offline scenario provided in the embodiment of the present application is specifically configured to:
acquiring a default payment amount corresponding to the electric charge payment account from the payment terminal through the NFC technology;
or acquiring the payment amount corresponding to the electricity payment account input through the collection terminal.
In order to further optimize the foregoing embodiment, in the electric fee payment device under the dual offline scenario provided in the embodiment of the present application, the preset information is preset information after encryption processing, and the generating unit includes:
the preset information decryption unit is used for decrypting the preset information to obtain decrypted preset information;
and the generating subunit is used for generating offline electric charge payment data according to the decrypted preset information, the payment mode data and the payment amount.
In order to further optimize the above embodiment, the electric charge payment apparatus in the dual offline scenario provided in the embodiment of the present application further includes:
the encryption unit is used for encrypting the offline electric charge payment data to obtain the encrypted offline electric charge payment data;
and the synchronous storage unit is used for synchronously storing the encrypted offline electric charge payment data in the main data storage module and the standby data storage module.
In order to further optimize the above embodiment, the electric charge payment apparatus in the dual offline scenario provided in the embodiment of the present application further includes:
the data signature unit is used for carrying out data signature on the encrypted offline electric charge payment data to obtain the signed offline electric charge payment data;
wherein, the algorithm adopted by the signature comprises:sign i =hash(sign i-1 , data i )；
the above-mentionedsign i Representing a signature mode of the encrypted offline electric charge payment data of the ith pen; when i is greater than 1, thesign i-1 When the i-1 th encrypted off-line electricity fee payment data is signed, if i =1,sign 0 a signature value representing the binding of the identification information of the cash receiving terminal; the above-mentionedhashRepresenting a hash function; the above-mentioneddata i And the encrypted offline electric charge payment data of the ith pen is represented.
In order to further optimize the above embodiment, the electric charge payment apparatus in the dual offline scenario provided in the embodiment of the present application further includes:
the network connection unit is used for establishing network connection with the server side after the cash receiving terminal is on line again;
the uploading unit is used for uploading the encrypted offline electric charge payment data, the signed offline electric charge payment data and the identification information of the collection terminal to the server;
the data signature verification unit is used for performing data signature verification on the signed offline electric charge payment data;
the payment data decryption unit is used for decrypting the encrypted offline electric charge payment data to obtain decrypted offline electric charge payment data if the data signature verification passes;
a bill generating unit, configured to generate a service bill required by the electricity charge payment service according to the decrypted offline electricity charge payment data and the identification information of the collection terminal;
and the issuing unit is used for issuing the electric quantity information corresponding to the payment data to the electric meter corresponding to the house number.
It should be noted that, for the specific working principle of each component in the device embodiment, reference is made to the corresponding part of the method embodiment, which is not described herein again.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of additional like elements in a process, method, article, or apparatus that comprises the element.
In the present specification, the embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A method for paying electric charge under a double off-line scene is characterized by comprising the following steps:
reading preset information and payment mode data of a payment terminal through a Near Field Communication (NFC) technology; the preset information comprises a provincial code and a household number of the electric charge payment account;
acquiring a payment amount corresponding to the electric charge payment account;
and generating offline electric charge payment data according to the preset information, the payment mode data and the payment amount.
2. The method of claim 1, wherein the preset information and the payment method data are stored in a digital currency hard wallet of the payment terminal.
3. The method according to claim 1, wherein the obtaining of the payment amount corresponding to the electricity payment account comprises:
acquiring a default payment amount corresponding to the electric charge payment account from the payment terminal through the NFC technology;
or acquiring the payment amount corresponding to the electricity payment account input through the collection terminal.
4. The method of claim 1, wherein the preset information is encrypted preset information, and the generating of the offline electric power charge payment data according to the preset information, the payment method data and the payment amount comprises:
decrypting the preset information to obtain decrypted preset information;
and generating offline electric charge payment data according to the decrypted preset information, the payment mode data and the payment amount.
5. The method of claim 1, further comprising:
encrypting the offline electric charge payment data to obtain encrypted offline electric charge payment data;
and synchronously storing the encrypted offline electric charge payment data in a main data storage module and a standby data storage module.
6. The method of claim 5, further comprising:
carrying out data signature on the encrypted offline electric charge payment data to obtain signed offline electric charge payment data;
wherein, the algorithm adopted by the signature comprises:sign i =hash(sign i-1 , data i )；
the describedsign i Representing a signature mode of the encrypted offline electric charge payment data of the ith pen; when i is greater than 1, thesign i-1 A signature mode of the encrypted offline electricity fee payment data of the (i-1) th pen is shown, when the i =1,sign 0 a signature value representing the binding of the identification information of the cash receiving terminal; the above-mentionedhashRepresenting a hash function; the above-mentioneddata i Indicating the offline power after the ith pen is encryptedFee payment data.
7. The method of claim 6, further comprising:
when the collection terminal is on line again, establishing network connection with the server;
uploading the encrypted offline electric charge payment data, the signed offline electric charge payment data and the identification information of the collection terminal to the server;
performing data signature verification on the signed offline electric charge payment data;
if the data signature passes the verification, decrypting the encrypted offline electric charge payment data to obtain decrypted offline electric charge payment data;
generating a service bill required by the electric charge payment service according to the decrypted offline electric charge payment data and the identification information of the collection terminal;
and transmitting the electric quantity information corresponding to the offline electric charge payment data to an electric meter corresponding to the user number.
8. An electric charge payment apparatus in a dual offline scenario, the apparatus comprising:
the reading unit is used for reading the preset information and the payment mode data of the payment terminal through the Near Field Communication (NFC) technology; the preset information comprises a provincial code and a household number of the electric charge payment account;
the acquisition unit is used for acquiring the payment amount corresponding to the electric charge payment account;
and the generating unit is used for generating offline electric charge payment data according to the preset information, the payment mode data and the payment amount.
9. The apparatus according to claim 8, wherein the preset information is encrypted preset information, and the generating unit includes:
the preset information decryption unit is used for decrypting the preset information to obtain decrypted preset information;
and the generating subunit is used for generating offline electric charge payment data according to the decrypted preset information, the payment mode data and the payment amount.
10. The apparatus of claim 8, further comprising;
the encryption unit is used for encrypting the offline electric charge payment data to obtain the encrypted offline electric charge payment data;
and the synchronous storage unit is used for synchronously storing the encrypted offline electric charge payment data in the main data storage module and the standby data storage module.
CN202211103563.4A 2022-09-09 2022-09-09 Electricity charge payment method and device under double off-line scene Pending CN115187239A (en)

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CN109493016A (en) * 2018-10-24 2019-03-19 中国工商银行股份有限公司 Offline electronic payment method, terminal based on digital cash and act on behalf of dispensing device
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