CN116415944A - Electronic payment method and device in park, storage medium and computer equipment - Google Patents

Electronic payment method and device in park, storage medium and computer equipment Download PDF

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Publication number
CN116415944A
CN116415944A CN202111655835.7A CN202111655835A CN116415944A CN 116415944 A CN116415944 A CN 116415944A CN 202111655835 A CN202111655835 A CN 202111655835A CN 116415944 A CN116415944 A CN 116415944A
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merchant
collection
mobile communication
data
communication equipment
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陈亮
肖剑锋
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Guangdong Flying Enterprise Internet Technology Co Ltd
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Guangdong Flying Enterprise Internet Technology Co Ltd
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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D30/00—Reducing energy consumption in communication networks
    • Y02D30/70—Reducing energy consumption in communication networks in wireless communication networks

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

Abstract

The invention provides an on-campus electronic payment method, a device, a storage medium and computer equipment, wherein the on-campus electronic payment method comprises the following steps: the method comprises the steps of carrying out code scanning identification on a merchant cash register through mobile communication equipment to obtain first encrypted cash register data; wherein the merchant checkout is generated from the first encrypted checkout data; the first encrypted collection data is obtained by performing first encryption processing on merchant collection data and a server address through a first private key; performing first decryption processing on the first encrypted collection data by using a first public key on the mobile communication equipment to obtain merchant collection data and a server address; sending the merchant collection data to a target server pointed by a server address, and receiving a merchant collection account obtained by the target server according to the merchant collection data; in response to the payment confirmation instruction, the input payment amount is paid to the merchant's collection account. The invention can improve the safety of the fund transaction between the user and the merchant.

Description

Electronic payment method and device in park, storage medium and computer equipment
Technical Field
The invention relates to the technical field of electronic payment, in particular to an electronic payment method, an electronic payment device, a storage medium and computer equipment in a park.
Background
The smart park is a standard building or building group which is full of water supply, power supply, air supply, communication, roads, storage and other supporting facilities, reasonable in layout and capable of meeting the requirements of production and scientific experiments in a specific industry, and comprises an industrial park, a logistics park, a metropolitan industrial park, a science and technology park, a creative park and the like, and a plurality of merchant stores can be correspondingly introduced in a plurality of smart parks for better service of people in the smart parks. Most of the merchant stores adopt to post the cashing codes so as to facilitate the scanning and checkout of personnel in the intelligent park, however, when illegal personnel exist to post counterfeit cashing codes to the cashing codes of merchants in the intelligent park, transaction fees between users and merchants can be received, and the fund transaction safety between users and merchants is affected, so that the problem of low safety exists in the current intelligent park in a payment way by scanning the posted cashing codes.
Disclosure of Invention
The invention aims to overcome the defects and shortcomings in the prior art and provides an electronic payment method, device, storage medium and computer equipment in a park, which can improve the safety of funds transaction between a user and a merchant in an intelligent park.
One embodiment of the present invention provides an on-campus electronic payment method, applied to a mobile communication device, including:
the mobile communication equipment is used for carrying out code scanning identification on the merchant receipt to obtain first encrypted receipt data; wherein the merchant checkout is generated from the first encrypted checkout data; the first encrypted collection data is obtained by performing first encryption processing on merchant collection data and a server address through a first private key;
performing first decryption processing on the first encrypted collection data by using a first public key on the mobile communication equipment to obtain the merchant collection data and a server address;
sending the merchant collection data to a target server pointed by the server address, and receiving a merchant collection account obtained by the target server according to the merchant collection data;
in response to the payment confirmation instruction, the input payment amount is paid to the merchant's collection account.
Compared with the prior art, the electronic payment method in the campus performs first encryption processing on the merchant collection data and the server address through the first private key to obtain first encrypted collection data, and then generates the merchant collection code according to the first encrypted collection data; when the mobile communication equipment is used for carrying out code scanning identification on a merchant receipt, a first public key on the mobile communication equipment carries out first decryption processing on the first encrypted receipt data to obtain the merchant receipt data and a server address, then the merchant receipt data is sent to a target server pointed by the server address, and a receipt account of a merchant obtained by the target server according to the merchant receipt data is received. Therefore, when the lawbreaker pastes the forged collection code on the merchant collection code in the smart park to replace the merchant collection code, the forged collection code is different from the merchant collection code in the smart park, and the first private key is not used for encryption processing, so that the first public key on the mobile communication equipment cannot successfully decrypt the data on the forged collection code, the user is prevented from paying the forged collection code, the safety of funds transaction between the user and the merchant can be improved, the first public key on the mobile communication equipment cannot successfully decrypt the data on the forged collection code, the user is prevented from paying the forged collection code, and the safety of funds transaction between the user and the merchant in the smart park is improved.
In one embodiment, the step of performing a first decryption process on the first encrypted collection data using a first public key on the mobile communication device to obtain merchant collection data and a server address further includes:
if the first decryption processing fails, or the server address cannot be obtained by using the first encrypted collection data for the first decryption processing, a rescanning identification reminder is generated and displayed on the screen of the mobile communication device. For reminding the user that the collection account of the merchant is not identified.
In one embodiment, the merchant collection data is obtained by second encrypting a collection account of the merchant with a second private key;
after receiving the merchant collection data, the target server executes the following steps:
performing second decryption processing on the merchant collection data by using a second public key stored in the target server to obtain a collection account of the merchant;
and sending the collection account of the merchant to the mobile communication equipment.
And the second public key is used for carrying out second decryption processing on the merchant collection data to obtain the merchant collection account, so that the security of the fund transaction between the user and the merchant can be further improved.
In one embodiment, before the step of sending the merchant's collection account to the mobile communication device, the target server further performs the steps of:
receiving a unique router identification number sent by the mobile communication equipment, wherein the unique router identification number is a unique router identification number connected with the mobile communication equipment;
according to the unique router identification number and a preset router coverage store name list, obtaining a plurality of store names corresponding to the unique router identification number; the router covers a store name list and is used for indicating all store names corresponding to the unique identifier of each router;
and comparing the merchant name in the merchant's collection account with the shop name, if the merchant name is the same, sending the merchant's collection account to the mobile communication equipment, and otherwise, sending a rescanning identification reminder to the mobile communication equipment.
And acquiring a plurality of corresponding store names according to the unique identifier of the router, and transmitting the store names out of the store account if the merchant names in the store account of the merchants are the same as the store names, so as to prevent the merchant collecting codes among the merchants from being mutually impersonated and replaced.
One embodiment of the present invention also provides an electronic payment device in a campus, which is applied to a mobile communication device, and includes:
the first encrypted collection data acquisition module is used for carrying out code scanning identification on the merchant collection code through the mobile communication equipment to obtain first encrypted collection data; wherein the merchant checkout is generated from the first encrypted checkout data; the first encrypted collection data is obtained by performing first encryption processing on merchant collection data and a server address through a first private key;
the first decryption processing module is used for performing first decryption processing on the first encrypted collection data by using a first public key on the mobile communication equipment to obtain the merchant collection data and a server address;
the collection account acquisition module is used for sending the merchant collection data to a target server pointed by the server address and receiving a merchant collection account obtained by the target server according to the merchant collection data;
and the payment module is used for paying the input payment amount to a payment account of the merchant in response to the payment confirmation instruction.
Compared with the prior art, the electronic payment device in the campus performs first encryption processing on the merchant collection data and the server address through the first private key to obtain first encrypted collection data, and then generates the merchant collection code according to the first encrypted collection data; when the mobile communication equipment is used for carrying out code scanning identification on a merchant receipt, a first public key on the mobile communication equipment carries out first decryption processing on the first encrypted receipt data to obtain the merchant receipt data and a server address, then the merchant receipt data is sent to a target server pointed by the server address, and a receipt account of a merchant obtained by the target server according to the merchant receipt data is received. Therefore, when the lawbreaker pastes the forged collection code on the merchant collection code in the smart park to replace the merchant collection code, the forged collection code is different from the merchant collection code in the smart park, and the first private key is not used for encryption processing, so that the first public key on the mobile communication equipment cannot successfully decrypt the data on the forged collection code, the user is prevented from paying the forged collection code, the safety of funds transaction between the user and the merchant can be improved, the first public key on the mobile communication equipment cannot successfully decrypt the data on the forged collection code, the user is prevented from paying the forged collection code, and the safety of funds transaction between the user and the merchant in the smart park is improved.
In one embodiment, the first decryption module is further configured to generate a rescanning identification reminder and display the rescanning identification reminder on a screen of the mobile communication device if the first decryption process fails or the server address cannot be obtained by performing the first decryption process using the first encrypted collection data. For reminding the user that the collection account of the merchant is not identified.
In one embodiment, the merchant collection data is obtained by second encrypting a collection account of the merchant with a second private key;
the target server includes:
the second decryption processing module is used for performing second decryption processing on the merchant collection data by using a second public key stored in the target server to obtain a collection account of the merchant;
and the collection account sending module is used for sending the collection account of the merchant to the mobile communication equipment.
And the second public key is used for carrying out second decryption processing on the merchant collection data to obtain the merchant collection account, so that the security of the fund transaction between the user and the merchant can be further improved.
In one embodiment, the target server further comprises:
the router identification number receiving module is used for receiving a router unique identification number sent by the mobile communication equipment, wherein the router unique identification number is a unique identification number of a router connected with the mobile communication equipment;
the store name acquisition module is used for acquiring a plurality of store names corresponding to the unique router identification number according to the unique router identification number and a preset router coverage store name list; the router covers a store name list and is used for indicating all store names corresponding to the unique identifier of each router;
and the name comparison module is used for comparing the merchant name in the collection account of the merchant with the shop name, if the merchant name is the same as the shop name, the collection account of the merchant is sent to the mobile communication equipment, and otherwise, a rescanning identification prompt is sent to the mobile communication equipment.
And acquiring a plurality of corresponding store names according to the unique identifier of the router, and transmitting the store names out of the store account if the merchant names in the store account of the merchants are the same as the store names, so as to prevent the merchant collecting codes among the merchants from being mutually impersonated and replaced.
An embodiment of the present invention also provides a computer-readable storage medium storing a computer program, characterized in that: the computer program when executed by a processor implements the steps of the on-campus electronic payment method as described above.
An embodiment of the present invention also provides a computer apparatus, characterized in that: comprising a memory, a processor and a computer program stored in the memory and executable by the processor, the processor implementing the steps of the on-campus electronic payment method as described above when the computer program is executed.
In order that the invention may be more clearly understood, specific embodiments thereof will be described below with reference to the accompanying drawings.
Drawings
Figure 1 is a flow chart of an on-campus electronic payment method in accordance with one embodiment of the present invention.
Figure 2 is a first flow chart of the target server execution steps of the on-campus electronic payment method of one embodiment of the present invention.
Figure 3 is a second flowchart of the target server execution steps of the on-campus electronic payment method of one embodiment of the present invention.
Figure 4 is a block diagram of an on-campus electronic payment device according to one embodiment of the present invention.
1. A first encrypted collection data acquisition module; 2. a first decryption processing module; 3. a collection account acquisition module; 4. and a payment module.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the present application more apparent, the following detailed description of the embodiments of the present application will be given with reference to the accompanying drawings.
It should be understood that the described embodiments are merely some, but not all, of the embodiments of the present application. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the embodiments of the present application, are within the scope of the embodiments of the present application.
When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. In the description of this application, it should be understood that the terms "first," "second," "third," and the like are used merely to distinguish between similar objects and are not necessarily used to describe a particular order or sequence, nor should they be construed to indicate or imply relative importance. The specific meaning of the terms in this application will be understood by those of ordinary skill in the art as the case may be. As used in this application and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. The word "if"/"if" as used herein may be interpreted as "at … …" or "at … …" or "in response to a determination".
Furthermore, in the description of the present application, unless otherwise indicated, "a plurality" means two or more. "and/or", describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate: a exists alone, A and B exist together, and B exists alone. The character "/" generally indicates that the context-dependent object is an "or" relationship.
Referring to fig. 1, a flowchart of an on-campus electronic payment method according to an embodiment of the invention is shown, where the on-campus electronic payment method is applied to a mobile communication device, and includes:
s11: the mobile communication equipment is used for carrying out code scanning identification on the merchant receipt to obtain first encrypted receipt data; wherein the merchant checkout is generated from the first encrypted checkout data; the first encrypted collection data is obtained by performing first encryption processing on merchant collection data and a server address through a first private key.
The mobile communication device is an electronic device with a code scanning function, a wireless communication function and a payment function, such as a smart phone, a tablet personal computer and the like. The mobile communication equipment is used for carrying out code scanning identification on the merchant receipt code to obtain first encrypted receipt data, and the first encrypted receipt data is realized through an application program installed on the mobile communication equipment.
The merchant receipt is a two-dimensional code pointing to the merchant receipt data, and the mobile communication device can acquire the merchant receipt data by scanning the merchant receipt.
The merchant collection data refers to data including collection information of the merchant, such as a collection account of the merchant.
The first private keys correspond to at most one smart park, so that the corresponding first private keys of different smart parks are different, and even building numbers in the smart parks can be associated with the first private keys, so that one first private key corresponds to all merchants in one building of the smart park, and the first private keys corresponding to merchants in different buildings are different.
S12: and performing first decryption processing on the first encrypted collection data by using a first public key on the mobile communication equipment to obtain the merchant collection data and the server address.
The first public key corresponds to the first private key, and the first public key is used for decrypting data encrypted by the first private key. The first public key is stored in the mobile communication device and can be installed in the mobile communication device along with the application program, and the call of the application program is received, wherein the application program related to the first public key is a user program end of the intelligent park, and the user program end of the intelligent park is applied to personal consumption shopping, personal parking management, information message checking of the intelligent park and the like in the intelligent park.
S13: and sending the merchant collection data to a target server pointed by the server address, and receiving a collection account of the merchant obtained by the target server according to the merchant collection data.
The target server comprises data processing and data storage functions and is used for receiving the merchant collection data and sending a corresponding merchant collection account to the mobile communication equipment according to the merchant collection data.
S14: in response to the payment confirmation instruction, the input payment amount is paid to the merchant's collection account.
In this embodiment, the electronic payment method in the campus performs a first encryption process on the merchant collection data and the server address through the first private key to obtain first encrypted collection data, and generates the merchant collection code according to the first encrypted collection data; when the mobile communication equipment is used for carrying out code scanning identification on a merchant receipt, a first public key on the mobile communication equipment carries out first decryption processing on the first encrypted receipt data to obtain the merchant receipt data and a server address, then the merchant receipt data is sent to a target server pointed by the server address, and a receipt account of a merchant obtained by the target server according to the merchant receipt data is received. Therefore, when the lawbreaker pastes the forged collection code on the merchant collection code in the smart park to replace the merchant collection code, the forged collection code is different from the merchant collection code in the smart park, and the first private key is not used for encryption processing, so that the first public key on the mobile communication equipment cannot successfully decrypt the data on the forged collection code, the user is prevented from paying the forged collection code, the safety of funds transaction between the user and the merchant can be improved, the first public key on the mobile communication equipment cannot successfully decrypt the data on the forged collection code, the user is prevented from paying the forged collection code, and the safety of funds transaction between the user and the merchant in the smart park is improved.
In a possible embodiment, the step S12 performs a first decryption process on the first encrypted collection data by using a first public key on the mobile communication device, to obtain merchant collection data and a server address, and further includes:
if the first decryption processing fails, or the server address cannot be obtained by using the first encrypted collection data for the first decryption processing, a rescanning identification reminder is generated and displayed on the screen of the mobile communication device.
In this embodiment, if the first decryption process fails, the failure may be caused by an incorrect operation of the user, and a reminder for generating a rescanning identification is generated at this time, so as to remind the user that the user cannot identify the collection account of the merchant. Preferably, when the number of consecutive failures of the first decryption process reaches a preset threshold, a cash register danger reminder is also generated to remind the user that the currently scanned cash register may not be the merchant cash register data encrypted corresponding to the first private key.
Referring to fig. 2, in one possible embodiment, the merchant collection data is obtained by performing a second encryption on the merchant collection account through a second private key;
after receiving the merchant collection data, the target server executes the following steps:
s21: and performing second decryption processing on the merchant collection data by using a second public key stored in the target server to obtain a collection account of the merchant.
The second public key corresponds to the second private key, and the second public key is used for decrypting data encrypted by the second private key, such as the merchant collection data obtained by performing second encryption on a collection account of a merchant through the second private key.
The second private key corresponds to at most one smart park, so that the corresponding second private keys of different smart parks are different, and even building numbers in the smart parks can be associated with the second private key, so that one second private key corresponds to all merchants in one building of the smart park, and the second private keys corresponding to merchants in different buildings are different.
S25: and sending the collection account of the merchant to the mobile communication equipment.
In this embodiment, if the first private key is leaked, the lawbreaker may forge the merchant checkout by using the first private key, but since the target server further stores a second public key for performing the second decryption, the lawbreaker cannot encrypt the data decrypted by the second public key even in the absence of the second private key, so that the security of the funds transaction between the user and the merchant may be further improved.
Referring to fig. 3, in a possible embodiment, before the step of sending the collection account of the merchant to the mobile communication device, the target server further performs the following steps, including:
s22: and receiving a unique router identification number sent by the mobile communication equipment, wherein the unique router identification number is a unique router identification number connected with the mobile communication equipment.
The unique router identification number is a unique identification number for identifying different router individuals, and even if the router individuals with the same make-up model are different, the corresponding unique router identification numbers are different.
S23: according to the unique router identification number and a preset router coverage store name list, obtaining a plurality of store names corresponding to the unique router identification number; the router covers a store name list and is used for indicating all store names corresponding to the unique identifier of each router.
The store name is a name entered by a merchant, preferably the merchant name in the same merchant's collection account is the same as the store name.
S24: and comparing the merchant name in the merchant's collection account with the shop name, if the merchant name is the same, sending the merchant's collection account to the mobile communication equipment, and otherwise, sending a rescanning identification reminder to the mobile communication equipment.
In this embodiment, the corresponding multiple store names are obtained according to the unique identifier of the router, and if the merchant name in the merchant's collection account is the same as the store name, the merchant's collection account is sent out, so as to prevent the merchant collection codes between merchants from being mutually impersonated and replaced. Preferably, when the number of times of sending rescanning identification reminders to the mobile communication device reaches a preset threshold, a cash register danger reminder is generated to remind the user that the merchant obtained by current code scanning identification is not a merchant in the service range of the router connected with the mobile communication device, so that the user is prevented from paying for another merchant under the condition that the cash register of the merchant is wrong in posting.
Referring to fig. 4, an embodiment of the present invention further provides an on-campus electronic payment device, which is applied to a mobile communication device, and includes:
the first encrypted collection data acquisition module 1 is used for carrying out code scanning identification on a merchant collection code through the mobile communication equipment to obtain first encrypted collection data; wherein the merchant checkout is generated from the first encrypted checkout data; the first encrypted collection data is obtained by performing first encryption processing on merchant collection data and a server address through a first private key;
the first decryption processing module 2 performs a first decryption processing on the first encrypted collection data by using a first public key on the mobile communication device to obtain the merchant collection data and a server address;
the collection account acquisition module 3 is used for sending the merchant collection data to a target server pointed by the server address and receiving a merchant collection account obtained by the target server according to the merchant collection data;
and the payment module 4 pays the input payment amount to the payment account of the merchant in response to the payment confirmation instruction.
The mobile communication device is an electronic device with a code scanning function, a wireless communication function and a payment function, such as a smart phone, a tablet personal computer and the like. The mobile communication equipment is used for carrying out code scanning identification on the merchant receipt code to obtain first encrypted receipt data, and the first encrypted receipt data is realized through an application program installed on the mobile communication equipment.
The merchant receipt is a two-dimensional code pointing to the merchant receipt data, and the mobile communication device can acquire the merchant receipt data by scanning the merchant receipt.
The merchant collection data refers to data including collection information of the merchant, such as a collection account of the merchant.
The first public key corresponds to the first private key, and the first public key is used for decrypting data encrypted by the first private key. The first public key is stored in the mobile communication device, and may be installed in the mobile communication device along with the application program, and the call of the application program is received.
The target server comprises data processing and data storage functions and is used for receiving the merchant collection data and sending a corresponding merchant collection account to the mobile communication equipment according to the merchant collection data.
In this embodiment, the electronic payment device in the campus performs a first encryption process on the merchant collection data and the server address through the first private key to obtain first encrypted collection data, and generates the merchant collection code according to the first encrypted collection data; when the mobile communication equipment is used for carrying out code scanning identification on a merchant receipt, a first public key on the mobile communication equipment carries out first decryption processing on the first encrypted receipt data to obtain the merchant receipt data and a server address, then the merchant receipt data is sent to a target server pointed by the server address, and a receipt account of a merchant obtained by the target server according to the merchant receipt data is received. Therefore, when the lawbreaker pastes the forged collection code on the merchant collection code in the smart park to replace the merchant collection code, the forged collection code is different from the merchant collection code in the smart park, and the first private key is not used for encryption processing, so that the first public key on the mobile communication equipment cannot successfully decrypt the data on the forged collection code, the user is prevented from paying the forged collection code, the safety of funds transaction between the user and the merchant can be improved, the first public key on the mobile communication equipment cannot successfully decrypt the data on the forged collection code, the user is prevented from paying the forged collection code, and the safety of funds transaction between the user and the merchant in the smart park is improved.
In a possible embodiment, the first decryption processing module 2 is further configured to generate a rescanning identification reminder and display the rescanning identification reminder on the screen of the mobile communication device if the first decryption processing fails or the server address cannot be obtained by performing the first decryption processing using the first encrypted collection data.
In this embodiment, if the first decryption process fails, the failure may be caused by an incorrect operation of the user, and a reminder for generating a rescanning identification is generated at this time, so as to remind the user that the user cannot identify the collection account of the merchant. Preferably, when the number of consecutive failures of the first decryption process reaches a preset threshold, a cash register danger reminder is also generated to remind the user that the currently scanned cash register may not be the merchant cash register data encrypted corresponding to the first private key.
In a possible embodiment, the merchant collection data is obtained by performing second encryption on a collection account of the merchant through a second private key;
the target server includes:
the second decryption processing module is used for performing second decryption processing on the merchant collection data by using a second public key stored in the target server to obtain a collection account of the merchant;
and the collection account sending module is used for sending the collection account of the merchant to the mobile communication equipment.
The second public key corresponds to the second private key, and the second public key is used for decrypting data encrypted by the second private key, such as the merchant collection data obtained by performing second encryption on a collection account of a merchant through the second private key.
In this embodiment, if the first private key is leaked, the lawbreaker may forge the merchant checkout by using the first private key, but since the target server further stores a second public key for performing the second decryption, the lawbreaker cannot encrypt the data decrypted by the second public key even in the absence of the second private key, so that the security of the funds transaction between the user and the merchant may be further improved.
In a possible embodiment, the target server further includes:
the router identification number receiving module is used for receiving a router unique identification number sent by the mobile communication equipment, wherein the router unique identification number is a unique identification number of a router connected with the mobile communication equipment;
the store name acquisition module is used for acquiring a plurality of store names corresponding to the unique router identification number according to the unique router identification number and a preset router coverage store name list; the router covers a store name list and is used for indicating all store names corresponding to the unique identifier of each router;
and the name comparison module is used for comparing the merchant name in the collection account of the merchant with the shop name, if the merchant name is the same with the shop name, the collection account of the merchant is sent to the mobile communication equipment, and otherwise, a rescanning identification prompt is sent to the mobile communication equipment.
The unique router identification number is a unique identification number for identifying different router individuals, and even if the router individuals with the same make-up model are different, the corresponding unique router identification numbers are different.
The store name is a name entered by a merchant, preferably the merchant name in the same merchant's collection account is the same as the store name.
In this embodiment, the corresponding multiple store names are obtained according to the unique identifier of the router, and if the merchant name in the merchant's collection account is the same as the store name, the merchant's collection account is sent out, so as to prevent the merchant collection codes between merchants from being mutually impersonated and replaced. Preferably, when the number of times of sending rescanning identification reminders to the mobile communication device reaches a preset threshold, a cash register danger reminder is generated to remind the user that the merchant obtained by current code scanning identification is not a merchant in the service range of the router connected with the mobile communication device, so that the user is prevented from paying for another merchant under the condition that the cash register of the merchant is wrong in posting.
An embodiment of the present invention also provides a computer-readable storage medium storing a computer program, characterized in that: the computer program when executed by a processor implements the steps of the on-campus electronic payment method as described above.
An embodiment of the present invention also provides a computer apparatus, characterized in that: comprising a memory, a processor and a computer program stored in the memory and executable by the processor, the processor implementing the steps of the on-campus electronic payment method as described above when the computer program is executed.
The above-described apparatus embodiments are merely illustrative, wherein the components illustrated as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, may be located in one place, or may be distributed over a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purposes of the present application. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart block or blocks and/or block diagram block or blocks.
In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, etc., such as Read Only Memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that 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 phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises an element.
The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.

Claims (10)

1. An electronic payment method in a campus, which is applied to mobile communication equipment, is characterized by comprising the following steps:
the mobile communication equipment is used for carrying out code scanning identification on the merchant receipt to obtain first encrypted receipt data; wherein the merchant checkout is generated from the first encrypted checkout data; the first encrypted collection data is obtained by performing first encryption processing on merchant collection data and a server address through a first private key;
performing first decryption processing on the first encrypted collection data by using a first public key on the mobile communication equipment to obtain the merchant collection data and a server address;
sending the merchant collection data to a target server pointed by the server address, and receiving a merchant collection account obtained by the target server according to the merchant collection data;
in response to the payment confirmation instruction, the input payment amount is paid to the merchant's collection account.
2. The on-campus electronic payment method of claim 1, wherein the step of performing a first decryption process on the first encrypted checkout data using a first public key on the mobile communication device to obtain merchant checkout data and a server address further comprises:
if the first decryption processing fails, or the server address cannot be obtained by using the first encrypted collection data for the first decryption processing, a rescanning identification reminder is generated and displayed on the screen of the mobile communication device.
3. The on-campus electronic payment method of claim 1, wherein the merchant collection data is obtained by second encrypting a merchant collection account with a second private key;
after receiving the merchant collection data, the target server executes the following steps:
performing second decryption processing on the merchant collection data by using a second public key stored in the target server to obtain a collection account of the merchant;
and sending the collection account of the merchant to the mobile communication equipment.
4. The on-campus electronic payment method of claim 3, wherein prior to the step of sending the merchant's collection account to the mobile communication device, the target server further performs the steps of:
receiving a unique router identification number sent by the mobile communication equipment, wherein the unique router identification number is a unique router identification number connected with the mobile communication equipment;
according to the unique router identification number and a preset router coverage store name list, obtaining a plurality of store names corresponding to the unique router identification number; the router covers a store name list and is used for indicating all store names corresponding to the unique identifier of each router;
and comparing the merchant name in the merchant's collection account with the shop name, if the merchant name is the same, sending the merchant's collection account to the mobile communication equipment, and otherwise, sending a rescanning identification reminder to the mobile communication equipment.
5. An electronic payment device in a campus, which is applied to mobile communication equipment, and is characterized by comprising:
the first encrypted collection data acquisition module is used for carrying out code scanning identification on the merchant collection code through the mobile communication equipment to obtain first encrypted collection data; wherein the merchant checkout is generated from the first encrypted checkout data; the first encrypted collection data is obtained by performing first encryption processing on merchant collection data and a server address through a first private key;
the first decryption processing module is used for performing first decryption processing on the first encrypted collection data by using a first public key on the mobile communication equipment to obtain the merchant collection data and a server address;
the collection account acquisition module is used for sending the merchant collection data to a target server pointed by the server address and receiving a merchant collection account obtained by the target server according to the merchant collection data;
and the payment module is used for paying the input payment amount to a payment account of the merchant in response to the payment confirmation instruction.
6. The on-campus electronic payment device of claim 5, wherein: and the first decryption processing module is further configured to generate a rescanning identification reminder and display the rescanning identification reminder on a screen of the mobile communication device if the first decryption processing fails or the server address cannot be obtained by performing the first decryption processing using the first encrypted collection data.
7. The on-campus electronic payment device of claim 1, wherein the merchant payment data is obtained by second encrypting a merchant payment account with a second private key;
the target server includes:
the second decryption processing module is used for performing second decryption processing on the merchant collection data by using a second public key stored in the target server to obtain a collection account of the merchant;
and the collection account sending module is used for sending the collection account of the merchant to the mobile communication equipment.
8. The on-campus electronic payment device of claim 7, wherein the target server further comprises:
the router identification number receiving module is used for receiving a router unique identification number sent by the mobile communication equipment, wherein the router unique identification number is a unique identification number of a router connected with the mobile communication equipment;
the store name acquisition module is used for acquiring a plurality of store names corresponding to the unique router identification number according to the unique router identification number and a preset router coverage store name list; the router covers a store name list and is used for indicating all store names corresponding to the unique identifier of each router;
and the name comparison module is used for comparing the merchant name in the collection account of the merchant with the shop name, if the merchant name is the same as the shop name, the collection account of the merchant is sent to the mobile communication equipment, and otherwise, a rescanning identification prompt is sent to the mobile communication equipment.
9. A computer-readable storage medium storing a computer program, characterized in that: the computer program when executed by a processor performs the steps of the on-campus electronic payment method of any one of claims 1 to 4.
10. A computer device, characterized by: comprising a memory, a processor and a computer program stored in the memory and executable by the processor, the processor implementing the steps of the on-campus electronic payment method of any one of claims 1 to 4 when the computer program is executed.
CN202111655835.7A 2021-12-30 2021-12-30 Electronic payment method and device in park, storage medium and computer equipment Withdrawn CN116415944A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202111655835.7A CN116415944A (en) 2021-12-30 2021-12-30 Electronic payment method and device in park, storage medium and computer equipment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202111655835.7A CN116415944A (en) 2021-12-30 2021-12-30 Electronic payment method and device in park, storage medium and computer equipment

Publications (1)

Publication Number Publication Date
CN116415944A true CN116415944A (en) 2023-07-11

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Country Status (1)

Country Link
CN (1) CN116415944A (en)

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