WO2016188281A1 - 信息交互方法、装置及系统 - Google Patents

信息交互方法、装置及系统 Download PDF

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Publication number
WO2016188281A1
WO2016188281A1 PCT/CN2016/080017 CN2016080017W WO2016188281A1 WO 2016188281 A1 WO2016188281 A1 WO 2016188281A1 CN 2016080017 W CN2016080017 W CN 2016080017W WO 2016188281 A1 WO2016188281 A1 WO 2016188281A1
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WO
WIPO (PCT)
Prior art keywords
authentication
server
terminal
information
service operation
Prior art date
Application number
PCT/CN2016/080017
Other languages
English (en)
French (fr)
Inventor
夏巨鹏
Original Assignee
阿里巴巴集团控股有限公司
夏巨鹏
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 阿里巴巴集团控股有限公司, 夏巨鹏 filed Critical 阿里巴巴集团控股有限公司
Priority to SG11201709332UA priority Critical patent/SG11201709332UA/en
Priority to EP16799170.2A priority patent/EP3306548B1/en
Priority to JP2017561362A priority patent/JP6787932B2/ja
Priority to KR1020177036727A priority patent/KR20180011792A/ko
Priority to KR1020217014999A priority patent/KR102474462B1/ko
Publication of WO2016188281A1 publication Critical patent/WO2016188281A1/zh
Priority to US15/805,205 priority patent/US11250404B2/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on 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
    • G06Q20/30—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
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0807—Network architectures or network communication protocols for network security for authentication of entities using tickets, e.g. Kerberos
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H04L63/0846—Network architectures or network communication protocols for network security for authentication of entities using passwords using time-dependent-passwords, e.g. periodically changing passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Definitions

  • the present application relates to the field of network information interaction technologies, and in particular, to an information interaction method, apparatus, and system.
  • a terminal device that cannot connect to the network for example, a wearable device (such as a smart watch), etc.
  • communication interaction cannot be performed with the payment server, and the user cannot perform information interaction through the terminal device to implement payment.
  • the terminal device such as a mobile phone
  • the payment server cannot communicate with the payment server, and the user cannot perform information exchange through such offline terminal device to implement payment.
  • the user cannot perform information exchange through such an offline terminal device to realize payment.
  • the purpose of the application is to provide a method, device and system for information interaction, which can also realize safe and convenient payment when the terminal device is in an offline state.
  • the application provides an information interaction method, and the method includes:
  • the terminal receives an authentication factor that is sent by the first server, where the authentication factor carries the user's authentication key, account information, and dynamic time factor, and the first server requests the first service at the terminal.
  • the server that performs the first service operation after authenticating the terminal during operation;
  • the information includes an authentication key of the user, device account information, and a dynamic password.
  • the dynamic password is generated according to the dynamic time factor
  • the device account information is generated according to the account information of the user and the device information of the terminal. .
  • the application further provides an information interaction method, where the method includes:
  • the second server obtains the authentication information of the first service operation carried in the graphic identifier displayed on the terminal, and the authentication information of the first service operation includes the user's authentication key, device account information, and dynamic password;
  • the authentication information of the first service operation is authenticated, and the first service operation is completed when the authentication is passed;
  • the application further provides an information interaction method, where the method includes:
  • the first server receives the first service operation request sent by the second server, where the first service operation request is obtained by the second server by acquiring the first service operation carried in the graphic identifier displayed on the terminal.
  • the first information operation request carries the authentication information and the service data of the first service operation, and the authentication information of the first service operation includes the user's authentication secret. Key, device account information and dynamic password;
  • the authentication is performed according to the authentication information carried in the first service operation request, and when the authentication is passed, the first server completes the first service operation.
  • the application further provides a terminal, where the terminal includes:
  • the receiving unit receives an authentication factor that is sent by the first server, where the authentication factor carries the user's authentication key, account information, and a dynamic time factor, and the first server requests the terminal The server that completes the first service operation after authenticating the terminal during a service operation;
  • a binding unit configured to generate binding authentication information by using the authentication factor received by the receiving unit and device information of the terminal;
  • a sending unit which returns the binding authentication information generated by the binding unit to the first server, so that the first server is authorized by the first service operation according to the binding authentication information;
  • the processing unit generates, according to the authentication factor received by the receiving unit, a graphic identifier for performing the first service operation offline, where the graphic identifier carries the authentication information of the first service operation, where the The authentication information of a service operation includes an authentication key, device account information and a dynamic password of the user, the dynamic password is generated according to the dynamic time factor, and the device account information is based on the account information and the user of the user.
  • the device information of the terminal is generated.
  • the application further provides a server, where the server includes:
  • An obtaining unit which acquires authentication information of a first service operation carried in a graphic identifier displayed on the terminal, where the authentication information of the first service operation includes an authentication key, a device account information, and a dynamic password of the user;
  • the processing unit generates a first service operation request by using the authentication information of the first service operation and the service data acquired by the acquiring unit;
  • a sending unit where the first service operation request generated by the processing unit is sent to the first server, so that the first server is configured according to the first service carried in the first service operation request
  • the authentication information of the operation is authenticated, and the first service operation is completed when the authentication is passed;
  • the receiving unit receives the result of the first service operation returned by the first server.
  • the application further provides a server, where the server includes:
  • a first service operation request sent by the second server where the first service operation request is obtained by the second server to obtain the authentication of the first service operation carried in the graphic identifier displayed on the terminal
  • the information generated by the information and the service data, the first service operation request carrying the authentication information and the service data of the first service operation, and the authentication information of the first service operation includes the authentication key of the user , device account information and dynamic password;
  • the processing unit performs authentication according to the authentication information of the first service operation carried in the first service operation request received by the receiving unit, and when the authentication is passed, the first server completes the first service. operating.
  • the application further provides an electronic device, where the electronic device includes:
  • the memory stores an authentication factor sent by the first server and a program for generating a graphic identifier for performing the first service operation offline according to the authentication factor, when the program is executed by the processor,
  • the display area of the display displays the graphic identifier for performing the first service operation offline, the graphic identifier carries the authentication information of the first service operation, and the authentication information of the first service operation includes the The user's authentication key, the device account information, and the dynamic password are generated, and the dynamic password is generated according to the dynamic time factor, and the device account information is generated according to the account information of the user and the device information of the terminal.
  • the application further provides an information interaction system, where the system includes: a terminal, a first server, and a second server;
  • the terminal When the terminal is offline, the terminal displays a graphic identifier for completing the first service operation, where the graphic identifier carries the authentication information of the first service operation, and the authentication information of the first service operation includes the user's Right key, device account information and dynamic password;
  • the second server generates a first service operation request by using the authentication information of the first service operation and the service data, and sends the first service operation request to the first server;
  • the first server performs authentication according to the authentication information of the first service operation carried in the first service operation request, and when the authentication is performed, the first server completes the first service operation. .
  • the information interaction method, device and system provided by the embodiment of the present invention generate a dynamic graphic identifier for offline service operation by using the binding authentication information and the dynamic time factor, and can use the graphic identifier to perform information when the terminal is offline.
  • the interaction, the implementation of the secure payment, or the terminal device that cannot make the network connection can also use the graphic identifier to perform information interaction and realize secure payment.
  • the application can realize safe and convenient payment when the terminal device is in an offline state.
  • FIG. 1 is a schematic structural diagram of an information interaction system according to an embodiment of the present application.
  • FIG. 2 is a schematic structural diagram of still another information interaction system according to an embodiment of the present application.
  • FIG. 3 is a flowchart of a terminal side of an information interaction method according to an embodiment of the present application.
  • FIG. 3b is a flowchart of a method for a terminal side to perform offline payment according to an embodiment of the present application
  • FIG. 4 is a flowchart of a second server side of an information interaction method according to an embodiment of the present application.
  • FIG. 5 is a flowchart of a first server side of an information interaction method according to an embodiment of the present application
  • FIG. 5b is a flowchart of a method for a first server side to perform offline payment authorization according to an embodiment of the present application
  • FIG. 5 is a flowchart of still another method for the first server side to perform offline payment authorization according to an embodiment of the present application
  • FIG. 6 is an interaction diagram of an information interaction method according to an embodiment of the present application.
  • FIG. 7 is an interaction diagram of an offline payment authorization of a mobile phone according to an embodiment of the present application.
  • FIG. 8 is an interaction diagram of another offline smart payment (smart watch) according to an embodiment of the present application.
  • FIG. 9 is a schematic structural diagram of a terminal according to an embodiment of the present application.
  • FIG. 10 is a schematic structural diagram of a second server according to an embodiment of the present application.
  • FIG. 11 is a schematic structural diagram of a first server according to an embodiment of the present application.
  • FIG. 12 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure.
  • the information interaction method and device provided by the embodiments of the present application are applicable to various types of smart mobile terminal devices, for example, terminal devices such as smart phones and tablet computers, and are particularly suitable for smart wearable devices that do not have network connection functions, for example, smart watches. , smart bracelets and other equipment.
  • FIG. 1 is a schematic structural diagram of an information interaction system according to an embodiment of the present application.
  • a terminal 1 a terminal 1, a merchant server 2 (second server), and a payment server 3 (first server).
  • the terminal 1 in the figure is a terminal having a network connection function, such as a smartphone, a tablet, etc., and the terminal 1 can have a network connection with the payment server 3.
  • the dotted line in the figure indicates that the terminal 1 failed to make a network connection with the payment server 3 in the actual use scenario.
  • the terminal 1 When the terminal 1 is in the online state, the terminal 1 can make a network connection with the payment server 3, and the terminal 1 requests the payment server 3 to perform offline payment authorization.
  • the authentication server 3 issues an authentication factor to the terminal 1.
  • the terminal 1 is in an offline state, and displays a payment authentication graphic identifier generated according to the authentication factor delivered by the payment server 3 on the screen, and the merchant server 2 obtains the payment authentication by scanning the graphic identifier.
  • the information is sent to the payment server 3 by the payment server 3 and the payment server 3, and the payment server 3 verifies the payment authentication information. When the verification is passed, the payment server 3 performs the payment.
  • the merchant server 2 includes a front scan code end 21 and a background service end 22.
  • the front scan code end 21 is mainly equipped with a scan code gun, and is transmitted to the background server 22 by scanning the graphic identifier displayed on the terminal 1.
  • the background server 22 mainly completes the parameter verification of the foreground scanning code terminal 21, and extracts the payment authentication information in the graphic identification. After the background server 22 preprocesses the merchant order parameters, it submits an order creation and payment request to the payment server 3.
  • FIG. 2 is a schematic structural diagram of another information interaction system according to an embodiment of the present application.
  • the terminal 1 in the figure is a terminal that does not have a network connection function, such as a smart watch, a smart bracelet, and the like.
  • the terminal 1 cannot establish a network connection with the payment server 3, but the terminal 1 can be built by other communication modules (such as Bluetooth) and the second terminal 4 having the network connection function.
  • the connection is established, and the authentication factor delivered by the payment server 3 is obtained by the second terminal 4.
  • the dotted line in the figure indicates that after the offline payment authorization, the second terminal 4 having the network connection function may not be required in the actual use scenario.
  • the specific information interaction process is described below.
  • FIG. 3 is a flowchart of a terminal of an information interaction method according to an embodiment of the present disclosure. As shown in FIG. 3 a , the information interaction method in the embodiment of the present application includes:
  • the terminal receives an authentication factor sent by the first server.
  • the authentication factor carries the user's authentication key, account information, and dynamic time factor.
  • the first service operation includes a network exchange operation of the virtual resource, for example, a payment amount, a verification voucher, and the like.
  • the first server is a server that completes the first service operation after authenticating the terminal when the terminal requests the first service operation.
  • the first service operation is the payment
  • the offline first service operation is the offline payment
  • the first service operation request is the payment request
  • the first server is the payment server
  • the second server is the merchant server.
  • the network switching operation of other virtual resources is similar.
  • the terminal When the terminal is in the online state, the terminal establishes a network connection with the first server, and requests the first server to perform offline payment authentication, and the first server sends the authentication factor to the terminal after authenticating the authentication. .
  • the method may include the following steps: the terminal sends an account authentication request to the first server; receives the verification result sent by the first server after the identity verification succeeds; and sends an verification request of the offline payment authorization to the first service. Receiving an authentication factor that is sent by the first server after being authenticated by the authorization.
  • S102 Generate binding authentication information by using the authentication factor and device information of the terminal, and return the binding authentication information to the first server, so that the first server is configured according to the binding.
  • the authentication information is authorized by the first service operation.
  • the terminal In order to be able to securely and quickly pay when the user is offline, the terminal needs to bind the device information and the authentication factor sent by the first server to the first server when the online state is online. Verify authentication to obtain payment authorization for offline payments.
  • the authentication information of the first service operation includes an authentication key, a device account information, and a dynamic password of the user, where the dynamic password is generated according to the dynamic time factor, and the device account
  • the information is generated according to the account information of the user and the device information of the terminal.
  • the graphic identifier is a two-dimensional code or a barcode.
  • the dynamic password remains unchanged in the same time window, and is regenerated according to the dynamic time factor to dynamically change in the next time window. This can ensure the security of payment authentication information and achieve the purpose of anti-counterfeiting.
  • the dynamic password is specifically calculated by using a method for calculating a one-time password by using an authentication key of the user, the dynamic time factor, the device account information, and a preset password length.
  • the display mode of the graphic identifier is a two-dimensional code, the amount of information that can be carried is large, and the preset password length of the one-time password can be increased to improve security.
  • a graphic identifier for offline payment is generated, so that the merchant side scan code obtains the payment authentication information carried in the graphic identifier, so that the offline payment is completed by the second server.
  • S103 may include the following steps:
  • S1031 Receive a display instruction that displays the graphic identifier for offline payment.
  • S1032 Generate a graphic identifier for offline payment according to an authentication factor.
  • the terminal displays the graphic identifier to perform payment by using the graphic identifier in an offline state.
  • the display manner of the graphic identifier includes one or a combination listed below: a barcode and a two-dimensional code.
  • the method further includes: S1034: When receiving the switching instruction of the graphic identifier display mode, switching the display manner of the graphic identifier.
  • the display mode of the barcode is switched; otherwise, if the display mode of the current graphic identifier is a barcode, the display mode of the two-dimensional code is switched.
  • the second terminal For a terminal (such as a smart watch) that cannot directly establish a network connection with the first server, the second terminal (for example, a smart phone) that can establish a network connection with the first server can receive the delivery by the first server. An authentication factor; and returning, by the second terminal, the binding authentication information to the first server.
  • a terminal such as a smart watch
  • the second terminal for example, a smart phone
  • the second terminal in the online state sends an account authentication request to the first server; the second terminal receives the verification result sent by the first server after the identity verification succeeds; the second terminal in the online state Sending an authentication request for the offline payment authorization to the first server; the second terminal receiving an authentication factor sent by the first server after being authenticated by the authorization.
  • the second terminal After obtaining the authentication factor, the second terminal sends an authentication factor to the terminal. Similarly, after acquiring the authentication factor, the terminal is bound to the terminal device information, and sends the binding authentication information by the second terminal, so that the first server passes the terminal according to the binding authentication information. Payment authorization to implement offline payment of the terminal.
  • a management program of the terminal is installed on the second terminal.
  • a smart watch management application (management APP) is installed on the smart phone, and the mobile phone's APP integrates the payment account login verification and the like, and the mobile terminal's login, payment authentication and the like functions.
  • the mobile phone terminal can realize the watch.
  • Bluetooth communication sending authentication parameters (authentication factors) to the watch end, and handling functions such as secure communication with the first server and the watch.
  • the watch end completes the secure communication with the mobile terminal, stores and updates the generation parameters of the payment authentication information, and then generates the payment authentication information according to the generation parameter of the payment authentication information, and displays it in the form of a two-dimensional code or a bar code.
  • FIG. 4 is a flowchart of a second server side of an information interaction method according to an embodiment of the present disclosure. As shown in FIG. 4, the information interaction method in the embodiment of the present application includes:
  • the second server obtains payment authentication information carried in the graphic identifier displayed on the terminal.
  • the payment authentication information includes an authentication key, device account information, and a dynamic password.
  • the second server includes a front-end scan code end and a background service end.
  • the front scan code end is mainly equipped with a scan code gun, and is transmitted to the background server by scanning the two-dimensional code displayed on the terminal or the graphic identifier of the barcode.
  • the background server mainly completes the parameter verification of the front scan code end, and extracts the payment authentication information in the graphic identifier.
  • S202 Generate a payment request by using the payment authentication information and the service data, and send the payment request to the first server, so that the first server performs payment according to the payment authentication information carried in the payment request. Authentication, and payment is made when the payment is authenticated.
  • the background server of the second server preprocesses the service data (the merchant order parameter), and then generates the order and payment request by the payment authentication information and the service data, and sends the request and the payment request to the first server.
  • the second server receives the payment result returned by the first server.
  • FIG. 5 is a flowchart of a first server side of an information interaction method according to an embodiment of the present application. As shown in FIG. 5a, the information interaction method in the embodiment of the present application includes:
  • the first server receives a payment request sent by the second server, where the payment request carries payment authentication information and service data.
  • the payment authentication information includes an authentication key, device account information, and a dynamic password.
  • the first server receives the payment request sent by the second server, where the request carries the payment authentication information of the terminal.
  • S302 Perform payment authentication according to the payment authentication information carried in the payment request, and when the payment is authenticated, the first server performs payment.
  • the performing the payment authentication according to the payment authentication information carried in the payment request specifically: verifying the device account information and the authentication key carried in the payment authentication information Whether the binding relationship is correct, and whether the dynamic password is valid according to the dynamic time factor in the authentication factor; if yes, the payment is authenticated by the payment.
  • the method further includes:
  • the first server performs online account binding on the terminal.
  • the first server performs online account binding on the terminal, and specifically includes:
  • the first server receives an account identity verification request sent by the terminal.
  • the account authentication request carries the account information of the user.
  • S402. Determine whether the account identity verification request passes the verification. If the verification is successful, send the result of the verification success to the terminal.
  • S404 Determine whether the verification request is successful. If the verification is successful, generate an authentication key of the user, and calculate a dynamic time factor of the first server.
  • S407. Receive binding authentication information submitted by the terminal, where the binding authentication information is generated by binding the authentication factor with device account information.
  • S408 Perform authorization verification on the binding authentication information, and when the authorization is passed, complete the offline payment authorization verification.
  • the method further includes: generating the compressed string by using the authentication key and the account information of the user, and the compressed string and the authentication key and The user's account information forms a one-to-one mapping relationship.
  • the one-to-one corresponding authentication key and the user's account information may also be found through the compressed string.
  • the authentication factor is generated by using the authentication key, the compressed string, and the dynamic time factor. Specifically, if SN is used to represent the authentication factor, key represents the user's authentication key, Seq represents the compressed string of the device account information, UserId represents the account identification information, Did represents the device identification information, timestamp represents the dynamic time factor, and N represents the pre- Set the password length, Zip represents the one-to-one mapping relationship, OTP represents the dynamic password, and Tag represents the authentication information identifier, then the authentication factor can pass Use the following formula to get:
  • OTP HOTP(Key,Tag+Seq+timestamp,N)
  • the online account is bound by a second terminal that can establish a network connection with the first server.
  • the first server performs online account binding on the terminal, and similarly to FIG. 5b, specifically includes:
  • the first server receives an account identity verification request sent by the second terminal.
  • the account authentication request carries the account information of the user.
  • S503. Receive an authentication request for offline payment authorization verification sent by the second terminal.
  • S504. Determine whether the verification request is successful. If the verification is successful, generate an authentication key of the user, and calculate a dynamic time factor of the first server.
  • S505. Generate an authentication factor by using the authentication key, a dynamic time factor, and the account information of the user.
  • S507. Receive the binding authentication information that is sent by the terminal and is returned by the terminal, where the binding authentication information is generated by binding the authentication factor with device account information.
  • the second terminal After receiving the result of the authorization by the first server, the second terminal sends the result to the terminal.
  • FIG. 6 is an interaction diagram of an information interaction method according to an embodiment of the present application. As shown in FIG. 6, the method includes:
  • the terminal receives a display instruction for displaying the graphic identifier, and switches to a display interface of the graphic identifier.
  • the user After the user determines the order content and the amount with the merchant, the user operates the terminal to display the graphic identifier for offline payment, and the terminal receives the display instruction of the user and switches to the display interface of the graphic identifier.
  • the terminal generates payment authentication information according to the authentication factor.
  • the payment authentication information may be payment authentication information in a two-dimensional code presentation form, or may be payment authentication information in a barcode presentation form.
  • the terminal displays the graphic identifier according to the interface and the type of the scanning code gun for scanning the code.
  • the terminal displays the graphic identifier according to the required presentation manner under the operation instruction of the user.
  • the front scan code end of the second server obtains the payment authentication information.
  • the front scan code end performs local data processing on the order information.
  • the foreground scan code end sends the order information and the payment authentication information to generate a payment request of the foreground scan code end to the background server of the second server, so that the background server verifies the payment request of the front scan code end.
  • the background server extracts payment authentication information and order service information, generates a payment request, and sends the payment request to the first server.
  • the first server extracts, from the payment request, the payment authentication information and the merchant information in the order service information.
  • the first server authenticates the payment authentication information.
  • the first server returns a payment result to the second server.
  • the terminal in Figure 6 is a terminal that has been bound by an online account.
  • the interaction process of online account binding is introduced below through FIG. 7 and FIG. 8.
  • the terminal in FIG. 7 is a terminal that can directly establish a connection with the first server
  • the terminal in FIG. 8 is a terminal that cannot directly establish a connection with the first server.
  • the terminal in FIG. 7 is a mobile phone
  • the terminal in FIG. 8 is a watch
  • the second terminal is a mobile phone.
  • FIG. 7 is an interaction diagram of an offline payment authorization (mobile phone) provided by an embodiment of the present application. As shown in FIG. 7, the method includes:
  • the account authentication request carries the account information of the user.
  • the first server determines whether the account identity verification request passes the verification. If the verification succeeds, the result of the verification success is sent to the terminal. Otherwise, the process ends.
  • the terminal sends an verification request for the offline payment authorization to the first server.
  • the first server determines whether the verification request is successful. If the verification is successful, the process proceeds to S705. Otherwise, the process ends.
  • the first server generates an authentication key of the user.
  • the first server generates a compression string by using an authentication key and account information.
  • the first server calculates a dynamic time factor of the first server.
  • the first server generates an authentication factor by using the authentication key, a dynamic time factor, and the account information of the user.
  • the first server performs communication encryption processing on the authentication factor.
  • the first server returns the authentication factor to the terminal.
  • the terminal receives the authentication factor sent by the first server after being authenticated by the authorization, and uses the authentication factor to generate binding authentication information with the device information of the terminal, and submits binding authentication. Information to the first server.
  • S712 The first server parses the binding authentication information, and verifies whether the authorization is passed according to the account, the authentication key, and the dynamic time factor. If yes, the process proceeds to S713; otherwise, the process ends.
  • S713 The first server payment authorization is successful, and the payment is performed.
  • FIG. 8 is an interaction diagram of another offline smart payment (smart watch) provided by the embodiment of the present application. As shown in FIG. 8 , the method includes:
  • the account authentication request carries the account information of the user.
  • the first server determines whether the account identity verification request passes the verification. If the verification succeeds, the result of the verification success is sent to the second terminal. Otherwise, the process ends.
  • the second terminal sends an verification request for the offline payment authorization to the first server.
  • the first server determines whether the verification request is successful. If the verification is successful, the process proceeds to S805. Otherwise, the process ends.
  • the first server generates an authentication key of the user.
  • the first server calculates a dynamic time factor of the first server.
  • the first server generates an authentication factor by using the authentication key, a dynamic time factor, and the account information of the user.
  • the first server performs communication encryption processing on the authentication factor.
  • the first server returns the authentication factor to the second terminal, and the second terminal parses the authentication factor.
  • the second terminal writes an authentication factor into the terminal (watch), and the terminal receives the authentication factor.
  • the terminal encrypts and saves the authentication factor.
  • the terminal generates binding authentication information by using an authentication factor and device information of the terminal.
  • the terminal sends the binding authentication information to the second terminal.
  • the second terminal submits payment account binding authentication information to the first server.
  • S815 The first server parses the binding authentication information, and verifies whether the authorization is passed according to the account, the authentication key, and the dynamic time factor. If yes, the process proceeds to S816; otherwise, the process ends.
  • S816 The first server end payment authorization is successful, and the payment is performed.
  • the information interaction method provided by the embodiment of the present invention generates a dynamic graphic identifier for offline payment by using the bundled payment authentication information and the dynamic time factor, so that the graphic identifier can also be used for secure payment when the terminal device is offline. , can achieve safe and convenient payment.
  • the graphic identifier barcode/two-dimensional code
  • the first server may be based on the binding relationship of the account, the device, and the authentication key, and
  • the HOTP signature result verifies the validity of the One-Time Password to determine whether payment verification is completed for secure and convenient offline payment.
  • FIG. 9 is a schematic structural diagram of a terminal according to an embodiment of the present disclosure.
  • the terminal of the present application includes: a receiving unit 901, a binding unit 902, a sending unit 903, and a processing unit 904.
  • the receiving unit 901 receives the authentication factor delivered by the first server.
  • the authentication factor carries the user's authentication key, account information, and dynamic time factor.
  • the binding unit 902 generates binding authentication information by using the authentication factor received by the receiving unit 901 and the device information of the terminal.
  • the sending unit 903 returns the binding authentication information generated by the binding unit 902 to the first server, so that the first server passes the payment authorization according to the binding authentication information.
  • the processing unit 904 generates a graphic identifier for offline payment according to the authentication factor received by the receiving unit 901, where the graphic identifier carries payment authentication information.
  • the payment authentication information includes an authentication key, device account information, and a dynamic password of the user, the dynamic password is generated according to the dynamic time factor, and the device account information is according to the account information of the user and the Device information generation of the terminal.
  • the receiving unit 901 before the processing unit 904 generates the graphical identification, the receiving unit 901 further receives a display instruction to display the graphical identification.
  • the processing unit 904 after receiving the display instruction by the receiving unit 901, generates a graphic identifier for offline payment according to the authentication factor.
  • the terminal further includes: a display unit (not shown) that displays the graphic identifier generated by the processing unit 904 to perform payment using the graphic identifier in an offline state.
  • the display manner of the graphic identifier displayed by the display unit includes one or a combination listed below: a barcode, a two-dimensional code.
  • the receiving unit 901 further receives a switching instruction of the graphic identifier display mode.
  • the processing unit 904 switches the display manner of the graphic identifier displayed by the display unit.
  • the receiving unit 901 receives the authentication factor that is sent by the first server by using the second terminal, and the sending unit 903 returns the binding authentication information to the first server by using the second terminal.
  • the sending unit 903 further sends an account identity verification request to the first server; the receiving unit 901 receives the payment authorization sent by the first server after the identity verification succeeds; and the sending unit 903 sends the verification of the offline payment authorization.
  • the request is sent to the first server; the receiving unit 901 receives an authentication factor that is sent by the first server after being authenticated by the authorization.
  • the functions of the above units may correspond to the processing steps of the above information interaction method described in detail in FIGS. 3a to 3b, and details are not described herein again.
  • FIG. 10 is a schematic structural diagram of a server provided by an embodiment of the present disclosure. As shown in FIG. 10, the server includes: an obtaining unit 1001, a processing unit 1002, a sending unit 1003, and a receiving unit 1004.
  • the obtaining unit 1001 acquires payment authentication information carried in the graphic identifier displayed on the terminal.
  • the payment authentication information includes an authentication key, device account information, and a dynamic password.
  • the processing unit 1002 generates a payment request by using the payment authentication information acquired by the obtaining unit 1001 and the service data.
  • the sending unit 1003 sends the payment request generated by the processing unit 1002 to the first server, so that the first server performs payment authentication according to the payment authentication information carried in the payment request, and passes The payment is made when the payment is authenticated.
  • the receiving unit 1004 receives the payment result returned by the first server 3.
  • FIG. 11 is a schematic structural diagram of a server provided by an embodiment of the present application. As shown in FIG. 11, the server includes: a receiving unit 1101, a processing unit 1102, and a sending unit 1103.
  • the receiving unit 1101 receives a payment request sent by the second server, where the payment request carries payment authentication information and service data.
  • the payment authentication information includes an authentication key, device account information, and a dynamic password.
  • the processing unit 1102 performs payment authentication according to the payment authentication information carried in the payment request received by the receiving unit 1101, and when the payment is authenticated, the server performs payment.
  • the processing unit 1102 also performs account binding on the terminal.
  • the first case is a first case:
  • the receiving unit 1101 receives an account identity verification request sent by the terminal, where the account identity verification request carries account information of the user.
  • the processing unit 1102 determines whether the account identity verification request passes the verification. If the verification is successful, the sending unit 1103 sends the result of the verification success to the terminal.
  • the receiving unit 1101 receives an authentication request for offline payment authorization verification sent by the terminal.
  • the processing unit 1102 determines whether the verification request is successful, and if the verification is successful, generates an authentication key of the user, and calculates a dynamic time factor of the server; and uses the authentication key, a dynamic time factor, and The account information of the user generates an authentication factor.
  • the sending unit 1103 sends the authentication factor generated by the processing unit 1102 to the terminal.
  • the receiving unit 1101 receives the binding authentication information submitted by the terminal, and the binding authentication information is generated by binding the authentication factor with the device account information.
  • the processing unit 1102 performs authorization verification on the binding authentication information, and when authorized, completes The offline payment authorization verification.
  • the second case is a first case
  • the receiving unit 1101 receives an account identity verification request sent by the second terminal, where the account identity verification request carries the account information of the user.
  • the processing unit 1102 determines whether the account identity verification request passes the verification. If the verification is successful, the sending unit 1103 sends the result of the verification success to the second terminal.
  • the receiving unit 1101 receives the verification request of the offline payment authorization verification sent by the second terminal.
  • the processing unit 1102 determines whether the verification request is successful, and if the verification is successful, generates an authentication key of the user, and calculates a dynamic time factor of the server; and uses the authentication key, a dynamic time factor, and The account information of the user generates an authentication factor.
  • the sending unit 1103 sends the authentication factor to the second terminal, so that the second terminal sends the authentication factor to the terminal.
  • the receiving unit 1101 receives the binding authentication information that is returned by the terminal and is returned by the terminal, where the binding authentication information is generated by the terminal binding with the device account information by using the authentication factor.
  • the processing unit 1102 performs authorization verification on the binding authentication information, and when authorized, completes the offline payment authorization verification.
  • the processing unit 1102 after generating the authentication key of the user, further generates a compressed string by using the authentication key and the account information of the user, where the compressed string and the authentication key are The user's account information forms a one-to-one mapping relationship.
  • the processing unit 1102 generates an authentication factor by using the authentication key, the dynamic time factor, and the account information of the user, specifically, by using the authentication key, the compressed string, and the dynamic time factor to generate the Authentication factor.
  • the processing unit 1102 is configured to verify whether the binding relationship between the device account information and the authentication key carried in the payment authentication information is correct, and according to the dynamic time factor check in the authentication factor. Whether the dynamic password is valid; if yes, the payment is authenticated.
  • the functions of the above units may correspond to the processing steps of the above information interaction method described in detail in FIGS. 5a to 5c, and details are not described herein again.
  • FIG. 12 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure. As shown in FIG. 12, the electronic device includes: a display 1201, a processor 1202, a memory 1203, and a communication module 1204.
  • the memory 1203 stores an authentication factor delivered by the first server and a program for generating a graphic identifier for offline payment according to the authentication factor, and when the program is executed by the processor, displaying in a display area of the display
  • the graphic identifier for offline payment where the graphic identifier carries payment authentication information, where the payment authentication information includes an authentication key, device account information, and a dynamic password of the user, where the dynamic password is based on
  • the dynamic time factor is generated, and the device account information is generated according to the account information of the user and the device information of the terminal.
  • the communication module 1204 communicates with the second electronic device, and receives an authentication factor sent by the first server that is sent by the second electronic device, and sends the binding authentication information to the The second electronic device forwards to the first server.
  • the communication module 1204 is a Bluetooth module or a WiFi module.
  • the dynamic password remains unchanged in the same time window, and in the next time window, is regenerated according to the dynamic time factor to dynamically change.
  • the dynamic password is specifically calculated by using a method for calculating a one-time password by using an authentication key of the user, the dynamic time factor, the device account information, and a preset password length.
  • the device account information is a compressed string obtained by using the account information of the user and the device information of the terminal that displays the graphic identifier.
  • the graphic identifier is a two-dimensional code or a barcode.
  • the application further provides an information interaction system, including: a terminal, a first server, and a second server;
  • the shape identifier carries the authentication information of the first service operation, and the authentication information of the first service operation includes the user's authentication key, device account information, and dynamic password;
  • the second server generates a first service operation request by using the authentication information of the first service operation and the service data, and sends the first service operation request to the first server;
  • the first server performs authentication according to the authentication information of the first service operation carried in the first service operation request, and when the authentication is performed, the first server completes the first service operation. .
  • the method further includes:
  • the terminal generates, according to the authentication factor sent by the first server, the graphic identifier that carries the authentication information of the first service operation.
  • the method before the generating, by the terminal, the graphic identifier that carries the authentication information of the first service operation according to the authentication factor that is sent by the first server, the method further includes:
  • the terminal When the terminal is in an online state, the terminal sends an authorization verification request to the first server to complete the first service operation offline;
  • the first server verifies the authorization verification request, and after the verification succeeds, the first server sends an authentication factor to the terminal, where the authentication factor includes the user's authentication key and account information. And server time;
  • the terminal uses the authentication factor to bind the device account information to generate a binding authentication code, and sends the binding authentication code to the first server.
  • the first server performs authorization verification on the binding authentication code, and when the authorization is passed, the authorization verification is completed.
  • the terminal generates the bearer according to the authentication factor sent by the first server.
  • the method further includes:
  • the second terminal in the online state sends an authorization verification request to the first server to complete the first service operation offline;
  • the first server verifies the authorization verification request, and after the verification succeeds, the first server sends an authentication factor to the second terminal, where the authentication factor includes an authentication key of the user, Account information and server time;
  • the terminal uses the authentication factor to be bound to the device account information to generate a binding authentication code, and sends the binding authentication code to the second terminal;
  • the second terminal submits the binding authentication code to the first server
  • the first server performs authorization verification on the binding authentication code, and when the authorization is passed, the authorization verification is completed.
  • the method further includes:
  • the second terminal sends an account authentication request to the first server, where the account identity verification request carries account information of the user;
  • the first server verifies the account identity verification request, and when the verification is passed, sends a result of the verification success to the second terminal.
  • the method before the verifying that the first server sends the authentication factor, the method further includes:
  • the first server After the verification is successful, the first server generates an authentication key of the user, and calculates a dynamic time factor
  • the first server generates an authentication factor by using the authentication key, a dynamic time factor, and the account information of the user.
  • the first server performs authorization verification on the binding authentication code, and specifically includes:
  • the verification is performed according to the authentication key, the device account information, and the server time obtained by the parsing.
  • the method further includes:
  • the first server returns a result of the first service operation to the second server, so that the second server confirms the result of the first service operation.
  • the information interaction method, device and system provided by the embodiment of the present invention generate a dynamic graphic identifier for offline payment by using the bundled payment authentication information and the dynamic time factor, so that the graphic can also be adopted when the terminal device is offline.
  • the logo is securely paid for safe and convenient payment.
  • the steps of a method or algorithm described in connection with the embodiments disclosed herein can be implemented in hardware, a software module executed by a processor, or a combination of both.
  • the software module can be placed in random access memory (RAM), memory, read only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, removable disk, CD-ROM, or technical field. Any other form of storage medium known.

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Abstract

本申请涉及一种信息交互方法、装置及系统，所述方法包括：终端接收第一服务端下发的鉴权因子，所述鉴权因子中携带有用户的鉴权密钥、账户信息和动态时间因子；利用所述鉴权因子与所述终端的设备信息生成绑定鉴权信息，返回所述绑定鉴权信息给所述第一服务端，以便所述第一服务端根据所述绑定鉴权信息通过支付授权；根据所述鉴权因子生成用于离线完成第一业务操作的图形标识，终端显示所述图形标识，以便在离线状态下利用所述图形标识完成第一业务操作。本申请提供的信息交互方法、装置及系统，在设备处于离线状态时，也可以实现安全、便捷的支付。

Description

信息交互方法、装置及系统 技术领域
本申请涉及网络信息交互技术领域，尤其涉及一种信息交互方法、装置及系统。
背景技术
随着网络科技技术的不断发展，安全、便捷的网络支付方式也得到不断地推广。人们已经可以利用处于网络连接状态的终端设备通过网络数据处理技术来进行在线实时的数据信息处理，从而实现支付。
然而，对于不能连接网络的终端设备，例如，穿戴设备(如智能手表)等，不能与支付服务端之间进行通信交互，用户无法通过该终端设备进行信息交互，实现支付。或者，当可连接网络的终端设备(例如手机等)处于离线状态时，不能在线与支付服务端通信，用户也无法通过这样的离线终端设备进行信息交互，实现支付。总之，无论是上述哪一种情况，用户均无法通过这样的离线终端设备进行信息交互，实现支付。
发明内容
本申请的目的是，提供一种信息交互方法、装置及系统，在终端设备处于离线状态时，也可以实现安全、便捷的支付。
本申请提供了一种信息交互方法，所述方法包括：
终端接收第一服务端下发的鉴权因子，所述鉴权因子中携带有用户的鉴权密钥、账户信息和动态时间因子，所述第一服务端为在所述终端请求第一业务操作时对所述终端进行鉴权后完成所述第一业务操作的服务端；
利用所述鉴权因子与所述终端的设备信息生成绑定鉴权信息，返回所述绑定鉴权信息给所述第一服务端，以便所述第一服务端根据所述绑定鉴权信息通过所述第一业务操作授权；
根据所述鉴权因子生成用于离线完成所述第一业务操作的图形标识，所述图形标识携带有所述第一业务操作的鉴权信息，所述第一业务操作的鉴权 信息包括所述用户的鉴权密钥、设备账户信息及动态密码，所述动态密码根据所述动态时间因子生成，所述设备账户信息根据所述用户的账户信息和所述终端的设备信息生成。
又一方面，本申请还提供了一种信息交互方法，所述方法包括：
第二服务端获取终端上显示的图形标识中所携带的第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括用户的鉴权密钥、设备账户信息及动态密码；
利用所述第一业务操作的鉴权信息与业务数据生成第一业务操作请求，并发送给所述第一服务端，以便所述第一服务端根据所述第一业务操作请求中所携带的所述第一业务操作的鉴权信息进行鉴权，并在通过鉴权时完成所述第一业务操作；
接收所述第一服务端返回的所述第一业务操作的结果。
又一方面，本申请还提供了一种信息交互方法，所述方法包括：
第一服务端接收第二服务端发送的第一业务操作请求，所述第一业务操作请求由所述第二服务端通过获取终端上显示的图形标识中携带的所述第一业务操作的鉴权信息与业务数据所生成的请求，所述第一业务操作请求中携带有所述第一业务操作的鉴权信息和业务数据，所述第一业务操作的鉴权信息包括用户的鉴权密钥、设备账户信息及动态密码；
根据所述第一业务操作请求中所携带的所述鉴权信息进行鉴权，当通过鉴权时，所述第一服务端完成第一业务操作。
又一方面，本申请还提供了一种终端，所述终端包括：
接收单元，接收第一服务端下发的鉴权因子，所述鉴权因子中携带有用户的鉴权密钥、账户信息和动态时间因子，所述第一服务端为在所述终端请求第一业务操作时对所述终端进行鉴权后完成所述第一业务操作的服务端；
绑定单元，利用所述接收单元接收的所述鉴权因子与所述终端的设备信息生成绑定鉴权信息；
发送单元，返回所述绑定单元生成的所述绑定鉴权信息给所述第一服务端，以便所述第一服务端根据所述绑定鉴权信息通过所述第一业务操作授权；
处理单元，根据所述接收单元接收的所述鉴权因子生成用于离线完成所述第一业务操作的图形标识，所述图形标识携带有所述第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括所述用户的鉴权密钥、设备账户信息及动态密码，所述动态密码根据所述动态时间因子生成，所述设备账户信息根据所述用户的账户信息和所述终端的设备信息生成。
又一方面，本申请还提供了一种服务端，所述服务端包括：
获取单元，获取终端上显示的图形标识中所携带的第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括用户的鉴权密钥、设备账户信息及动态密码；
处理单元，利用所述获取单元获取的所述第一业务操作的鉴权信息与业务数据生成第一业务操作请求；
发送单元，将所述处理单元生成的所述第一业务操作请求发送给所述第一服务端，以便所述第一服务端根据所述第一业务操作请求中所携带的所述第一业务操作的鉴权信息进行鉴权，并在通过所述鉴权时完成所述第一业务操作；
接收单元，接收所述第一服务端返回的所述第一业务操作的结果。
又一方面，本申请还提供了一种服务端，所述服务端包括：
接收单元，接收第二服务端发送的第一业务操作请求，所述第一业务操作请求由所述第二服务端通过获取终端上显示的图形标识中携带的所述第一业务操作的鉴权信息与业务数据所生成的请求，所述第一业务操作请求中携带有所述第一业务操作的鉴权信息和业务数据，所述第一业务操作的鉴权信息包括用户的鉴权密钥、设备账户信息及动态密码；
处理单元，根据所述接收单元接收的所述第一业务操作请求中所携带的所述第一业务操作的鉴权信息进行鉴权，当通过鉴权时，所述第一服务端完成第一业务操作。
又一方面，本申请还提供了一种电子设备，所述电子设备包括：
显示器；
处理器；
存储器，所述存储器存储第一服务端下发的鉴权因子以及根据所述鉴权因子生成用于离线完成第一业务操作的图形标识的程序，所述程序被所述处理器执行时，在所述显示器的显示区域显示所述用于离线完成第一业务操作的图形标识，所述图形标识携带有所述第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括所述用户的鉴权密钥、设备账户信息及动态密码，所述动态密码根据所述动态时间因子生成，所述设备账户信息根据所述用户的账户信息和所述终端的设备信息生成。
又一方面，本申请还提供了一种信息交互系统，所述系统包括：终端、第一服务端和第二服务端；
所述终端在离线状态时显示用于完成第一业务操作的图形标识，所述图形标识携带有所述第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括用户的鉴权密钥、设备账户信息及动态密码；
所述第二服务端获取所述图形标识中所携带的所述第一业务操作的鉴权信息；
所述第二服务端利用所述第一业务操作的鉴权信息与业务数据生成第一业务操作请求，并发送给所述第一服务端；
所述第一服务端根据所述第一业务操作请求中所携带的所述第一业务操作的鉴权信息进行鉴权，当通过鉴权时，所述第一服务端完成所述第一业务操作。
本申请实施例提供的信息交互方法、装置及系统，通过绑定的鉴权信息、动态时间因子生成动态的用于离线业务操作的图形标识，在终端处于离线状态时可以采用该图形标识进行信息交互，实现安全支付，或者使不能进行网络连接的终端设备也可以采用该图形标识进行信息交互，实现安全支付。本申请在终端设备处于离线状态时，可以实现安全、便捷的支付。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1为本申请实施例提供的一种信息交互系统的结构示意图；
图2为本申请实施例提供的又一种信息交互系统的结构示意图；
图3a为本申请实施例提供的一种信息交互方法终端侧的流程图；
图3b为本申请实施例提供的终端侧在离线支付时的方法流程图；
图4为本申请实施例提供的一种信息交互方法第二服务端侧的流程图；
图5a为本申请实施例提供的一种信息交互方法第一服务端侧的流程图；
图5b为本申请实施例提供的一种第一服务端侧在离线支付授权时的方法流程图；
图5c为本申请实施例提供的又一种第一服务端侧在离线支付授权时的方法流程图；
图6为本申请实施例提供的一种信息交互方法的交互图；
图7为本申请实施例提供的一种(手机)的离线支付授权时的交互图；
图8为本申请实施例提供的又一种(智能手表)的离线支付授权时的交互图；
图9为本申请实施例提供的一种终端的结构示意图；
图10为本申请实施例提供的一种第二服务端的结构示意图；
图11为本申请实施例提供的一种第一服务端的结构示意图；
图12为本申请实施例提供的一种电子设备的组成结构示意图。
具体实施方式
为使得本申请的发明目的、特征、优点能够更加的明显和易懂，下面将 结合本申请实施例中的附图，对本申请实施例中的技术方案进行描述，显然，所描述的实施例仅仅是本申请一部分实施例，而非全部实施例。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
本申请实施例提供的信息交互方法及装置，适用于各类型的智能移动终端设备，例如，智能手机、平板电脑等终端设备，尤其适用于不具有网络连接功能的智能穿戴设备，例如，智能手表、智能手环等设备。
图1是本申请实施例提供的一种信息交互系统的结构示意图，如图1所示，终端1、商户服务端2(第二服务端)和支付服务端3(第一服务端)。图中的终端1是具有网络连接功能的终端，例如智能手机、平板电脑等，终端1可以与支付服务端3之间存在网络连接。图中的虚线表示在实际使用场景时，终端1未能与支付服务端3进行网络连接。终端1在处于在线状态时，与支付服务端3可进行网络连接，且终端1请求支付服务端3进行离线支付授权，支付服务端3经过授权验证后，下发鉴权因子给终端1。在实际使用场景时，终端1处于离线状态，在屏幕上显示根据支付服务端3下发的鉴权因子生成的携带有支付鉴权图形标识，商户服务端2通过扫描该图形标识获取支付鉴权信息，并将支付鉴权信息与订单信息生成支付请求发送给支付服务端3，支付服务端3对支付鉴权信息进行验证，当验证通过时，支付服务端3进行支付。
其中，商户服务端2包括前台扫码端21和后台服务端22，前台扫码端21主要安装有扫码枪，通过扫描终端1上展示的图形标识，传给后台服务端22。后台服务端22主要完成前台扫码端21的参数校验，并提取获得图形标识中的支付鉴权信息。后台服务端22对商户订单参数进行预处理后，向支付服务端3提交订单创建及支付请求。
图2是本申请实施例提供的又一种信息交互系统的结构示意图，与图1的区别在于，图中的终端1是不具有网络连接功能的终端，例如智能手表、智能手环等穿戴设备，终端1不能与支付服务端3建立网络连接，但终端1可以通过其他的通信模块(例如蓝牙)与具有网络连接功能的第二终端4建 立连接，通过第二终端4获取支付服务端3下发的鉴权因子。图中的虚线表示在离线支付授权之后，在实际使用场景时，可以不需要具有网络连接功能的第二终端4。下面介绍具体的信息交互过程。
图3a是本申请实施例提供的信息交互方法终端侧的流程图，如图3a所示，本申请实施例的信息交互方法包括：
S101、终端接收第一服务端下发的鉴权因子。
所述鉴权因子中携带有用户的鉴权密钥、账户信息和动态时间因子。
其中，第一业务操作包括虚拟资源的网络交换操作，例如，支付金额、核销代金券等。
第一服务端为在所述终端请求第一业务操作时对所述终端进行鉴权后完成所述第一业务操作的服务端。
为了便于说明，本申请中以第一业务操作为支付、离线第一业务操作为离线支付、第一业务操作请求为支付请求、第一服务端为支付服务端、第二服务端为商户服务端为例进行说明，其他虚拟资源的网络交换操作与此类似。
终端在处于在线状态时，与第一服务端建立网络连接，向所述第一服务端请求离线支付鉴权，所述第一服务端在通过鉴权验证后下发鉴权因子给所述终端。
具体可以包括以下步骤：终端发送账户身份验证请求给所述第一服务端；接收所述第一服务端在身份验证成功后发送的验证结果；发送离线支付授权的验证请求给所述第一服务端；接收所述第一服务端在通过授权验证后下发的鉴权因子。
S102、利用所述鉴权因子与所述终端的设备信息生成绑定鉴权信息，返回所述绑定鉴权信息给所述第一服务端，以便所述第一服务端根据所述绑定鉴权信息通过所述第一业务操作授权。
为了能够在处于离线状态时实现安全、快捷地支付，终端需要在处于在线状态时，将设备信息与第一服务端下发的鉴权因子，向第一服务端进行绑 定鉴权验证，以获得在离线支付的支付授权。
S103、根据所述鉴权因子生成用于离线完成所述第一业务操作的图形标识，所述图形标识携带有第一业务操作的鉴权信息。
所述第一业务操作的鉴权信息，即支付鉴权信息，包括所述用户的鉴权密钥、设备账户信息及动态密码，所述动态密码根据所述动态时间因子生成，所述设备账户信息根据所述用户的账户信息和所述终端的设备信息生成。所述图形标识为二维码或者条形码。
其中，所述动态密码在同一时间窗口内保持不变，在下一个时间窗口时，则根据所述动态时间因子重新生成，以进行动态变化。这样可以保证支付鉴权信息的安全，实现防伪造的目的。
所述动态密码具体利用所述用户的鉴权密钥、所述动态时间因子、所述设备账户信息以及预设密码长度，根据一次性口令的计算方法计算得到。
如果图形标识的显示方式为二维码，由于可以携带的信息量较大，可以增加一次性口令的预设密码长度，提高安全性。
在终端处于离线状态，需要进行支付时，生成用于离线支付的图形标识，以供商户端扫码获得该图形标识中携带的支付鉴权信息，以通过第二服务端完成离线支付。
具体地，如图3b所示，S103可以包括以下步骤：
S1031、接收显示所述用于离线支付的图形标识的显示指令。
S1032、根据鉴权因子生成用于离线支付的图形标识。
S1033、所述终端显示所述图形标识，以便在离线状态下利用所述图形标识进行支付。
所述图形标识的显示方式包括以下所列的一种或结合：条形码、二维码。
可选地，在所述终端显示所述图形标识之后，还包括：S1034、当接收到所述图形标识显示方式的切换指令时，切换所述图形标识的显示方式。
当接收到所述图形标识显示方式的切换指令时，如果当前的图形标识的 显示方式为二维码，则切换成条形码的显示方式；反之，如果当前的图形标识的显示方式为条形码，则切换成二维码的显示方式。
对于不能直接与第一服务端建立网络连接的终端(例如智能手表)，则可以通过能与第一服务端建立网络连接的第二终端(例如智能手机)接收所述第一服务端下发的鉴权因子；并通过所述第二终端返回所述绑定鉴权信息给所述第一服务端。
具体包括：处于在线状态的第二终端发送账户身份验证请求给所述第一服务端；第二终端接收所述第一服务端在身份验证成功后发送的验证结果；处于在线状态的第二终端发送离线支付授权的验证请求给所述第一服务端；第二终端接收所述第一服务端在通过授权验证后下发的鉴权因子。
第二终端在得到所述鉴权因子之后，将鉴权因子发送给所述终端。同样类似地，终端在获取到鉴权因子之后，与终端设备信息绑定，通过第二终端发送绑定鉴权信息，以便所述第一服务端根据所述绑定鉴权信息通过所述终端的支付授权，实现所述终端的离线支付。
具体地，在第二终端上安装有所述终端的管理程序。例如，在智能手机上安装有智能手表的管理应用程序(管理APP)，该手机端的APP集成支付账户登录校验等手机端的登录、支付鉴权等功能，通过该APP，手机端可以实现与手表端蓝牙通信，向手表端发送鉴权参数(鉴权因子)，处理与第一服务端、手表端的安全通讯等功能。手表端完成与手机端的安全通讯，存储和更新支付鉴权信息的生成参数，进而再根据支付鉴权信息的生成参数生成支付鉴权信息，以二维码或条码的形式展示。
图4是本申请实施例提供的一种信息交互方法第二服务端侧的流程图，如图4所示，本申请实施例的信息交互方法包括：
S201、第二服务端获取终端上显示的图形标识中所携带的支付鉴权信息。
所述支付鉴权信息包括鉴权密钥、设备账户信息及动态密码。
第二服务端包括前台扫码端和后台服务端，前台扫码端主要安装有扫码枪，通过扫描终端上展示的二维码或者条形码的图形标识，传给后台服务端。 后台服务端主要完成前台扫码端的参数校验，并提取获得图形标识中的支付鉴权信息。
S202、利用所述支付鉴权信息与业务数据生成支付请求，并发送给所述第一服务端，以便所述第一服务端根据所述支付请求中所携带的所述支付鉴权信息进行支付鉴权，并在通过所述支付鉴权时进行支付。
第二服务端的后台服务端对业务数据(商户订单参数)进行预处理，再将支付鉴权信息与业务数据生成订单及支付请求，并发送给第一服务端。
S203、接收所述第一服务端返回的支付结果。
在第一服务端完成支付鉴权验证进行支付后，第二服务端接收所述第一服务端返回的支付结果。
图5a是本申请实施例提供的一种信息交互方法第一服务端侧的流程图，如图5a所示，本申请实施例的信息交互方法包括：
S301、第一服务端接收第二服务端发送的支付请求，所述支付请求中携带有支付鉴权信息和业务数据。
所述支付鉴权信息包括鉴权密钥、设备账户信息及动态密码。
在终端处于离线状态时，第一服务端通过接收第二服务端发送的支付请求，该请求中携带有终端的支付鉴权信息。
S302、根据所述支付请求中所携带的所述支付鉴权信息进行支付鉴权，当通过所述支付鉴权时，所述第一服务端进行支付。
具体地，所述根据所述支付请求中所携带的所述支付鉴权信息进行支付鉴权，具体包括：校验所述支付鉴权信息中携带的所述设备账户信息以及鉴权密钥的绑定关系是否正确，并根据鉴权因子中的所述动态时间因子校验所述动态密码是否有效；若是，则通过所述支付鉴权。
在S301接收第二服务端发送的支付请求之前，还包括：
所述第一服务端对终端进行在线账户绑定。
在终端处于在线状态时，需要先与第一服务端进行在线账户绑定。
如图5b所示，所述第一服务端对所述终端进行在线账户绑定，具体包括：
S401、第一服务端接收终端发送的账户身份验证请求。
所述账户身份验证请求中携带有用户的账户信息。
S402、判断所述账户身份验证请求是否通过验证，若验证成功，则发送验证成功的结果给所述终端。
S403、接收所述终端发送的离线支付授权验证的验证请求。
S404、判断所述验证请求是否验证成功，若验证成功，则生成所述用户的鉴权密钥，并计算所述第一服务端的动态时间因子。
S405、利用所述鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子。
S406、将所述鉴权因子下发给所述终端。
S407、接收所述终端提交的绑定鉴权信息，所述绑定鉴权信息是利用所述鉴权因子与设备账户信息绑定生成的。
S408、对所述绑定鉴权信息进行授权验证，当通过授权时，完成所述离线支付授权验证。
可选地，在S404生成所述用户的鉴权密钥之后，还包括：将所述鉴权密钥和所述用户的账户信息生成压缩串，所述压缩串与所述鉴权密钥和用户的账户信息形成一一对应的映射关系。这样，可以节省存储空间，以避免由于设备账户的标识信息太长而无法在有限的密码长度中显示的问题。在接收到支付鉴权信息时，也可以通过压缩串查找到一一对应的鉴权密钥和用户的账户信息。
S405中则是利用所述鉴权密钥、所述压缩串与所述动态时间因子生成所述鉴权因子。具体地，如果用SN表示鉴权因子，key表示用户的鉴权密钥，Seq表示设备账户信息的压缩串，UserId表示账户标识信息，Did表示设备标识信息，timestamp表示动态时间因子，N表示预设密码长度，Zip表示一一映射的关系，OTP表示动态密码，Tag表示鉴权信息标识，则鉴权因子可以通 过利用以下公式得到：
Seq＝Zip(UserId,Did)
OTP＝HOTP(Key,Tag+Seq+timestamp,N)
SN＝Tag+Seq+OTP
可以看出，先通过Seq＝Zip(UserId,Did)，将设备标识信息和账户标识信息压缩成设备账户信息的压缩串Seq，再通过哈希信息验证码的一次性口令HOTP(HMAC Based One-Time Password)算法计算得到动态密码OTP，利用鉴权信息标识Tag、压缩串Seq和动态密码OTP组合得到鉴权因子SN。
对于不能直接与第一服务端建立网络连接的终端，通过能与第一服务端建立网络连接的第二终端进行在线账户绑定。如图5c所示，所述第一服务端对所述终端进行在线账户绑定，与图5b类似地，具体包括：
S501、第一服务端接收第二终端发送的账户身份验证请求。
所述账户身份验证请求中携带有用户的账户信息。
S502、判断所述账户身份验证请求是否通过验证，若验证成功，则发送验证成功的结果给所述第二终端。
S503、接收所述第二终端发送的离线支付授权验证的验证请求。
S504、判断所述验证请求是否验证成功，若验证成功，则生成所述用户的鉴权密钥，并计算所述第一服务端的动态时间因子。
S505、利用所述鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子。
S506、将所述鉴权因子下发给所述第二终端。
S507、接收所述第二终端提交的由所述终端返回的绑定鉴权信息，所述绑定鉴权信息是利用所述鉴权因子与设备账户信息绑定生成的。
S508、对所述绑定鉴权信息进行授权验证，当通过授权时，完成所述离线支付授权验证。
第二终端在接收到第一服务端通过授权的结果之后，将该结果发送给所述终端。
图6是本申请实施例提供的一种信息交互方法的交互图，如图6所示，所述方法包括：
S601、终端接收显示图形标识的显示指令，切换到所述图形标识的展示界面。
用户在与商户确定订单内容和金额之后，用户操作终端以显示用于离线支付的图形标识，终端接收到用户的显示指令，切换到图形标识的展示界面。
S602、终端根据鉴权因子生成支付鉴权信息。
该支付鉴权信息可以是二维码展现形式的支付鉴权信息，也可以是条形码展现形式的支付鉴权信息。
S603、终端根据界面及扫码枪类型展示图形标识，以供扫码。
终端在用户的操作指令下，根据所需要的展现方式展示图形标识。
S604、第二服务端的前台扫码端获取所述支付鉴权信息。
S605、前台扫码端对订单信息进行本地数据处理。
S606、前台扫码端将订单信息和支付鉴权信息生成前台扫码端的支付请求发送给第二服务端的后台服务端，以便后台服务端对前台扫码端的支付请求进行校验。
S607、后台服务端提取支付鉴权信息、订单业务信息，生成支付请求，发送给第一服务端。
S608、第一服务端从支付请求中，提取支付鉴权信息和订单业务信息中的商户信息。
S609、第一服务端对所述支付鉴权信息进行鉴权。
S610、当通过鉴权时，第一服务端进行支付。
S611、第一服务端返回支付结果给第二服务端。
S612、商户工作人员确认支付结果。
这样，用户就完成支付，商户进行商品交货。
图6中的终端是已经进行过在线账户绑定的终端。下面通过图7和图8对在线账户绑定的交互过程进行介绍。其中，图7中的终端是能直接与第一服务端建立连接的终端，图8中的终端是不能直接与第一服务端建立连接的终端。为了更详细地说明方案，图7中的终端为手机，图8中的终端为手表，第二终端为手机。
图7是本申请实施例提供的一种(手机)的离线支付授权时的交互图，如图7所示，包括：
S701、终端在处于在线状态时，发送账户身份验证请求给第一服务端。
所述账户身份验证请求中携带有用户的账户信息。
S702、第一服务端判断所述账户身份验证请求是否通过验证，若验证成功，则发送验证成功的结果给所述终端，否则，失败结束流程。
S703、终端发送离线支付授权的验证请求给第一服务端。
S704、第一服务端判断所述验证请求是否验证成功，若验证成功，则进入S705，否则，失败结束流程。
S705、第一服务端生成所述用户的鉴权密钥。
S706、第一服务端将鉴权密钥和账户信息生成压缩串。
S707、第一服务端计算所述第一服务端的动态时间因子。
S708、第一服务端利用所述鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子。
S709、第一服务端对所述鉴权因子进行通讯加密处理。
S710、第一服务端将所述鉴权因子返回给终端。
S711、终端接收到第一服务端在通过授权验证后发送的鉴权因子之后，利用所述鉴权因子与所述终端的设备信息生成绑定鉴权信息，提交绑定鉴权 信息给第一服务端。
S712、第一服务端解析绑定鉴权信息，根据账户、鉴权密钥和动态时间因子，校验是否通过授权，若是，则进入S713，否则，失败结束流程。
S713、第一服务端支付授权成功，进行支付。
图8为本申请实施例提供的又一种(智能手表)的离线支付授权时的交互图，如图8所示，包括：
S801、第二终端在处于在线状态时，发送账户身份验证请求给第一服务端。
所述账户身份验证请求中携带有用户的账户信息。
S802、第一服务端判断所述账户身份验证请求是否通过验证，若验证成功，则发送验证成功的结果给所述第二终端，否则，失败结束流程。
S803、第二终端发送离线支付授权的验证请求给第一服务端。
S804、第一服务端判断所述验证请求是否验证成功，若验证成功，则进入S805，否则，失败结束流程。
S805、第一服务端生成所述用户的鉴权密钥。
S806、第一服务端计算所述第一服务端的动态时间因子。
S807、第一服务端利用所述鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子。
S808、第一服务端对所述鉴权因子进行通讯加密处理。
S809、第一服务端将所述鉴权因子返回给第二终端，第二终端解析得到鉴权因子。
S810、第二终端将鉴权因子写入到终端(手表)中，终端接收鉴权因子。
S811、终端将所述鉴权因子进行加密保存。
S812、终端利用鉴权因子和终端的设备信息生成绑定鉴权信息。
S813、终端将绑定鉴权信息发送给第二终端。
S814、第二终端向第一服务端提交支付账户绑定鉴权信息。
S815、第一服务端解析绑定鉴权信息，根据账户、鉴权密钥和动态时间因子，校验是否通过授权，若是，则进入S816，否则，失败结束流程。
S816、第一服务端支付授权成功，进行支付。
本申请实施例提供的信息交互方法，通过绑定的支付鉴权信息、动态时间因子生成动态的用于离线支付的图形标识，使得在终端设备处于离线状态时也可以采用该图形标识进行安全支付，可以实现安全、便捷的支付。本申请中由于图形标识(条码/二维码)中携带账户、设备、动态时间因子timestamp、鉴权密钥信息，第一服务端可以根据账户、设备及鉴权密钥的绑定关系，以及HOTP签名结果校验One-Time Password的有效性，从而确定是否完成支付校验，实现安全、便捷的离线支付。
以上是对本申请实施例所提供的信息交互方法进行的详细描述，下面对本申请提供的信息交互装置进行详细描述。
图9是本申请实施例提供的一种终端的结构示意图，如图9所示，本申请的终端包括：接收单元901、绑定单元902、发送单元903和处理单元904。
接收单元901接收第一服务端下发的鉴权因子。
所述鉴权因子中携带有用户的鉴权密钥、账户信息和动态时间因子。
绑定单元902利用接收单元901接收的所述鉴权因子与所述终端的设备信息生成绑定鉴权信息。
发送单元903返回绑定单元902生成的所述绑定鉴权信息给所述第一服务端，以便所述第一服务端根据所述绑定鉴权信息通过支付授权。
处理单元904根据接收单元901接收的所述鉴权因子生成用于离线支付的图形标识，所述图形标识携带有支付鉴权信息。
所述支付鉴权信息包括所述用户的鉴权密钥、设备账户信息及动态密码，所述动态密码根据所述动态时间因子生成，所述设备账户信息根据所述用户的账户信息和所述终端的设备信息生成。
可选地，在处理单元904生成图形标识之前，接收单元901还接收显示所述图形标识的显示指令。处理单元904在接收单元901接收到所述显示指令之后，执行根据所述鉴权因子生成用于离线支付的图形标识。
所述终端还包括：显示单元(图未示)，所述显示单元显示处理单元904生成的所述图形标识，以便在离线状态下利用所述图形标识进行支付。
所述显示单元显示的所述图形标识的显示方式包括以下所列的一种或结合：条形码、二维码。
接收单元901还接收所述图形标识显示方式的切换指令，当接收单元901接收到所述切换指令时，处理单元904切换所述显示单元显示的所述图形标识的显示方式。
可选地，接收单元901通过第二终端接收所述第一服务端下发的鉴权因子；发送单元903通过所述第二终端返回所述绑定鉴权信息给所述第一服务端。
可选地，发送单元903还发送账户身份验证请求给所述第一服务端；接收单元901接收所述第一服务端在身份验证成功后发送的支付授权；发送单元903发送离线支付授权的验证请求给所述第一服务端；接收单元901接收所述第一服务端在通过授权验证后下发的鉴权因子。
上述各单元的功能可对应于图3a～3b详细描述的上述信息交互方法的处理步骤，于此不再赘述。
图10是本申请实施例提供的一种服务端的结构示意图，如图10所示，所述服务端包括：获取单元1001、处理单元1002、发送单元1003和接收单元1004。
获取单元1001获取终端上显示的图形标识中所携带的支付鉴权信息。
所述支付鉴权信息包括鉴权密钥、设备账户信息及动态密码。
处理单元1002利用获取单元1001获取的所述支付鉴权信息与业务数据生成支付请求。
发送单元1003将处理单元1002生成的支付请求发送给所述第一服务端，以便所述第一服务端根据所述支付请求中所携带的所述支付鉴权信息进行支付鉴权，并在通过所述支付鉴权时进行支付。
接收单元1004接收所述第一服务端3返回的支付结果。
图11是本申请实施例提供的一种服务端的结构示意图，如图11所示，所述服务端包括：接收单元1101、处理单元1102和发送单元1103。
接收单元1101接收第二服务端发送的支付请求，所述支付请求中携带有支付鉴权信息和业务数据。
所述支付鉴权信息包括鉴权密钥、设备账户信息及动态密码。
处理单元1102根据接收单元1101接收的所述支付请求中所携带的所述支付鉴权信息进行支付鉴权，当通过所述支付鉴权时，所述服务端进行支付。
可选地，处理单元1102还对终端进行账户绑定。
第一种情形：
接收单元1101接收所述终端发送的账户身份验证请求，所述账户身份验证请求中携带有用户的账户信息。
处理单元1102判断所述账户身份验证请求是否通过验证，若验证成功，则利用发送单元1103发送验证成功的结果给所述终端。
接收单元1101接收所述终端发送的离线支付授权验证的验证请求。
处理单元1102判断所述验证请求是否验证成功，若验证成功，则生成所述用户的鉴权密钥，并计算所述服务端的动态时间因子；并利用所述鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子。
发送单元1103将处理单元1102生成的所述鉴权因子下发给所述终端。
接收单元1101接收所述终端提交的绑定鉴权信息，所述绑定鉴权信息是利用所述鉴权因子与设备账户信息绑定生成的。
处理单元1102对所述绑定鉴权信息进行授权验证，当通过授权时，完成 所述离线支付授权验证。
第二种情形：
接收单元1101接收第二终端发送的账户身份验证请求，所述账户身份验证请求中携带有用户的账户信息。
处理单元1102判断所述账户身份验证请求是否通过验证，若验证成功，则利用发送单元1103发送验证成功的结果给所述第二终端。
接收单元1101接收第二终端发送的离线支付授权验证的验证请求。
处理单元1102判断所述验证请求是否验证成功，若验证成功，则生成所述用户的鉴权密钥，并计算所述服务端的动态时间因子；并利用所述鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子。
发送单元1103将所述鉴权因子下发给所述第二终端，以便所述第二终端将所述鉴权因子发送给所述终端。
接收单元1101接收所述第二终端提交的由所述终端返回的绑定鉴权信息，所述绑定鉴权信息是所述终端利用所述鉴权因子与设备账户信息绑定生成的。
处理单元1102对所述绑定鉴权信息进行授权验证，当通过授权时，完成所述离线支付授权验证。
可选地，处理单元1102在生成所述用户的鉴权密钥之后，还将所述鉴权密钥与所述用户的账户信息生成压缩串，所述压缩串与所述鉴权密钥与用户的账户信息形成一一对应的映射关系。
处理单元1102利用所述鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子，具体包括：利用所述鉴权密钥、所述压缩串与所述动态时间因子生成所述鉴权因子。
可选地，处理单元1102具体校验所述支付鉴权信息中携带的所述设备账户信息以及鉴权密钥的绑定关系是否正确，并根据鉴权因子中的所述动态时间因子校验所述动态密码是否有效；若是，则通过所述支付鉴权。
上述各单元的功能可对应于图5a～5c详细描述的上述信息交互方法的处理步骤，于此不再赘述。
图12是本申请实施例提供的一种电子设备的组成结构示意图，如图12所示，所述电子设备包括：显示器1201、处理器1202、存储器1203和通信模块1204。
存储器1203存储第一服务端下发的鉴权因子以及根据所述鉴权因子生成用于离线支付的图形标识的程序，所述程序被所述处理器执行时，在所述显示器的显示区域显示所述用于离线支付的图形标识，所述图形标识携带有支付鉴权信息，所述支付鉴权信息包括所述用户的鉴权密钥、设备账户信息及动态密码，所述动态密码根据所述动态时间因子生成，所述设备账户信息根据所述用户的账户信息和所述终端的设备信息生成。
通信模块1204与第二电子设备进行通信，接收所述第二电子设备发送的所述第一服务端下发的鉴权因子；并在绑定鉴权时，将绑定鉴权信息发送给所述第二电子设备以转发给所述第一服务端。
通信模块1204为蓝牙模块或者WiFi模块。
可选地，所述动态密码在同一时间窗口内保持不变，在下一个时间窗口时，则根据所述动态时间因子重新生成，以进行动态变化。
可选地，所述动态密码具体利用所述用户的鉴权密钥、所述动态时间因子、所述设备账户信息以及预设密码长度，根据一次性口令的计算方法计算得到。
可选地，所述设备账户信息是利用所述用户的账户信息和显示所述图形标识的终端的设备信息压缩得到的压缩串。
可选地，所述图形标识为二维码或者条形码。
本申请还提供一种信息交互系统，包括：终端、第一服务端和第二服务端；
所述终端在离线状态时显示用于完成第一业务操作的图形标识，所述图 形标识携带有所述第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括用户的鉴权密钥、设备账户信息及动态密码；
所述第二服务端获取所述图形标识中所携带的所述第一业务操作的鉴权信息；
所述第二服务端利用所述第一业务操作的鉴权信息与业务数据生成第一业务操作请求，并发送给所述第一服务端；
所述第一服务端根据所述第一业务操作请求中所携带的所述第一业务操作的鉴权信息进行鉴权，当通过鉴权时，所述第一服务端完成所述第一业务操作。
可选地，在所述终端显示用于离线完成第一业务操作的图形标识之前，还包括：
所述终端接收显示所述图形标识的显示指令；
所述终端根据所述第一服务端下发的鉴权因子生成携带有所述第一业务操作的鉴权信息的所述图形标识。
可选地，在所述终端根据所述第一服务端下发的鉴权因子生成携带有所述第一业务操作的鉴权信息的所述图形标识之前，还包括：
所述终端在处于在线状态时，向所述第一服务端发送离线完成第一业务操作的授权验证请求；
所述第一服务端对所述授权验证请求进行验证，当验证成功后，所述第一服务端发送鉴权因子给所述终端，所述鉴权因子包括用户的鉴权密钥、账户信息及服务端时间；
所述终端利用所述鉴权因子与设备账户信息绑定生成绑定鉴权码，并将所述绑定鉴权码发送给所述第一服务端；
所述第一服务端对所述绑定鉴权码进行授权验证，当通过授权时，完成所述授权验证。
可选地，在所述终端根据所述第一服务端下发的鉴权因子生成携带有所 述第一业务操作的鉴权信息的所述图形标识之前，还包括：
处于在线状态的第二终端向所述第一服务端发送离线完成第一业务操作的授权验证请求；
所述第一服务端对所述授权验证请求进行验证，当验证成功后，所述第一服务端发送鉴权因子给所述第二终端，所述鉴权因子包括用户的鉴权密钥、账户信息及服务端时间；
所述第二终端将所述鉴权因子发送给所述终端；
所述终端利用所述鉴权因子与设备账户信息绑定生成绑定鉴权码，并将所述绑定鉴权码发送给所述第二终端；
所述第二终端将所述绑定鉴权码提交给所述第一服务端；
所述第一服务端对所述绑定鉴权码进行授权验证，当通过授权时，完成所述授权验证。
可选地，在所述第二终端向所述第一服务端发送离线完成第一业务操作的授权验证请求之前，还包括：
第二终端发送账户身份验证请求给所述第一服务端，所述账户身份验证请求中携带有用户的账户信息；
所述第一服务端对所述账户身份验证请求进行验证，当通过验证时，发送验证成功的结果给所述第二终端。
可选地，所述当验证成功后，所述第一服务端发送鉴权因子之前，还包括：
当验证成功后，所述第一服务端生成所述用户的鉴权密钥，并计算动态时间因子；
所述第一服务端利用所述鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子。
可选地，所述第一服务端对所述绑定鉴权码进行授权验证，具体包括：
对所述绑定鉴权码进行解析，得到鉴权密钥、设备账户信息及服务端时间；
根据解析得到的所述鉴权密钥、设备账户信息及服务端时间，校验是否通过授权验证。
可选地，在所述第一服务端完成第一业务操作之后，还包括：
所述第一服务端返回第一业务操作的结果给所述第二服务端，以供所述第二服务端确认所述第一业务操作的结果。
本申请实施例提供的信息交互方法、装置及系统，通过绑定的支付鉴权信息、动态时间因子生成动态的用于离线支付的图形标识，使得在终端设备处于离线状态时也可以采用该图形标识进行安全支付，可以实现安全、便捷的支付。
专业人员应该还可以进一步意识到，结合本文中所公开的实施例描述的各示例的单元及算法步骤，能够以电子硬件、计算机软件或者二者的结合来实现，为了清楚地说明硬件和软件的可互换性，在上述说明中已经按照功能一般性地描述了各示例的组成及步骤。这些功能究竟以硬件还是软件方式来执行，取决于技术方案的特定应用和设计约束条件。专业技术人员可以对每个特定的应用来使用不同方法来实现所描述的功能，但是这种实现不应认为超出本申请的范围。
结合本文中所公开的实施例描述的方法或算法的步骤可以用硬件、处理器执行的软件模块，或者二者的结合来实施。软件模块可以置于随机存储器(RAM)、内存、只读存储器(ROM)、电可编程ROM、电可擦除可编程ROM、寄存器、硬盘、可移动磁盘、CD-ROM、或技术领域内所公知的任意其它形式的存储介质中。
以上所述的具体实施方式，对本申请的目的、技术方案和有益效果进行了进一步详细说明，所应理解的是，以上所述仅为本申请的具体实施方式而已，并不用于限定本申请的保护范围，凡在本申请的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本申请的保护范围之内。

Claims (32)

  1. 一种信息交互方法，其特征在于，所述方法包括：
    终端接收第一服务端下发的鉴权因子，所述鉴权因子中携带有用户的鉴权密钥、账户信息和动态时间因子，所述第一服务端为在所述终端请求第一业务操作时对所述终端进行鉴权后完成所述第一业务操作的服务端；
    利用所述鉴权因子与所述终端的设备信息生成绑定鉴权信息，返回所述绑定鉴权信息给所述第一服务端，以便所述第一服务端根据所述绑定鉴权信息通过所述第一业务操作授权；
    根据所述鉴权因子生成用于离线完成所述第一业务操作的图形标识，所述图形标识携带有所述第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括所述用户的鉴权密钥、设备账户信息及动态密码，所述动态密码根据所述动态时间因子生成，所述设备账户信息根据所述用户的账户信息和所述终端的设备信息生成。
  2. 根据权利要求1所述的方法，其特征在于，所述根据鉴权因子生成用于离线完成所述第一业务操作的图形标识之前，还包括：
    接收显示所述用于离线完成所述第一业务操作的图形标识的显示指令；
    在接收到所述显示指令之后，执行根据所述鉴权因子生成用于离线完成所述第一业务操作的图形标识；
    在根据所述鉴权因子生成用于离线完成所述第一业务操作的图形标识之后，还包括：
    所述终端显示所述图形标识，以便在离线状态下利用所述图形标识完成所述第一业务操作。
  3. 根据权利要求2所述的方法，其特征在于，所述图形标识的显示方式包括以下所列的一种或结合：条形码、二维码；
    在所述终端显示所述图形标识之后，还包括：
    当接收到所述图形标识显示方式的切换指令时，切换所述图形标识的显 示方式。
  4. 根据权利要求1所述的方法，其特征在于，所述终端通过第二终端接收所述第一服务端下发的鉴权因子；并通过所述第二终端返回所述绑定鉴权信息给所述第一服务端。
  5. 根据权利要求1所述的方法，其特征在于，在所述接收第一服务端下发的鉴权因子之前，还包括：
    所述终端发送账户身份验证请求给所述第一服务端；
    接收所述第一服务端在身份验证成功后发送的验证结果；
    发送离线第一业务操作的授权验证请求给所述第一服务端；
    接收所述第一服务端在通过授权验证后下发的鉴权因子。
  6. 根据权利要求1所述的方法，其特征在于，所述动态密码在同一时间窗口内保持不变，在下一个时间窗口时，则根据所述动态时间因子重新生成，以进行动态变化。
  7. 根据权利要求1所述的方法，其特征在于，所述动态密码具体利用所述用户的鉴权密钥、所述动态时间因子、所述设备账户信息以及预设密码长度，根据一次性口令的计算方法计算得到。
  8. 一种信息交互方法，其特征在于，所述方法包括：
    第二服务端获取终端上显示的图形标识中所携带的第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括用户的鉴权密钥、设备账户信息及动态密码；
    利用所述第一业务操作的鉴权信息与业务数据生成第一业务操作请求，并发送给所述第一服务端，以便所述第一服务端根据所述第一业务操作请求中所携带的所述第一业务操作的鉴权信息进行鉴权，并在通过鉴权时完成所述第一业务操作；
    接收所述第一服务端返回的所述第一业务操作的结果。
  9. 一种信息交互方法，其特征在于，所述方法包括：
    第一服务端接收第二服务端发送的第一业务操作请求，所述第一业务操作请求由所述第二服务端通过获取终端上显示的图形标识中携带的所述第一业务操作的鉴权信息与业务数据所生成的请求，所述第一业务操作请求中携带有所述第一业务操作的鉴权信息和业务数据，所述第一业务操作的鉴权信息包括用户的鉴权密钥、设备账户信息及动态密码；
    根据所述第一业务操作请求中所携带的所述鉴权信息进行鉴权，当通过鉴权时，所述第一服务端完成第一业务操作。
  10. 根据权利要求9所述的方法，其特征在于，在接收第二服务端发送的第一业务操作请求之前，还包括：
    所述第一服务端对所述终端进行在线账户绑定。
  11. 根据权利要求10所述的方法，其特征在于，所述第一服务端对所述终端进行在线账户绑定，具体包括：
    接收所述终端发送的账户身份验证请求，所述账户身份验证请求中携带有用户的账户信息；
    判断所述账户身份验证请求是否通过验证，若验证成功，则发送验证成功的验证结果给所述终端；
    接收所述终端发送的离线完成所述第一业务操作的授权验证请求；
    判断所述授权验证请求是否验证成功，若验证成功，则生成所述用户的鉴权密钥，并计算所述第一服务端的动态时间因子；
    利用所述用户的鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子；
    将所述鉴权因子下发给所述终端；
    接收所述终端提交的绑定鉴权信息，所述绑定鉴权信息是利用所述鉴权因子与设备账户信息绑定生成的；
    对所述绑定鉴权信息进行授权验证，当通过授权时，完成所述授权验证。
  12. 根据权利要求10所述的方法，其特征在于，所述第一服务端对所述 终端进行在线账户绑定，具体包括：
    接收第二终端发送的账户身份验证请求，所述账户身份验证请求中携带有用户的账户信息；
    判断所述账户身份验证请求是否通过验证，若验证成功，则发送验证成功的验证结果给所述第二终端；
    接收第二终端发送的离线完成所述第一业务操作的授权验证请求；
    判断所述授权验证请求是否验证成功，若验证成功，则生成所述用户的鉴权密钥，并计算所述第一服务端的动态时间因子；
    利用所述用户的鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子；
    将所述鉴权因子下发给所述第二终端，以便所述第二终端将所述鉴权因子发送给所述终端；
    接收所述第二终端提交的由所述终端返回的绑定鉴权信息，所述绑定鉴权信息是所述终端利用所述鉴权因子与所述终端的设备账户信息绑定生成的；
    对所述绑定鉴权信息进行授权验证，当通过授权时，完成所述授权验证。
  13. 根据权利要求11或12所述的方法，其特征在于，在生成所述用户的鉴权密钥之后，还包括：
    将所述用户的鉴权密钥和所述用户的账户信息生成压缩串，所述压缩串与所述鉴权密钥和用户的账户信息形成一一对应的映射关系；
    利用所述用户的鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子，具体包括：利用所述用户的鉴权密钥、所述压缩串与所述动态时间因子生成所述鉴权因子。
  14. 根据权利要求9所述的方法，其特征在于，所述根据所述第一业务操作请求中所携带的所述第一业务操作的鉴权信息进行鉴权，具体包括：
    校验所述第一业务操作的鉴权信息中携带的所述设备账户信息以及鉴权 密钥的绑定关系是否正确，并根据鉴权因子中的所述动态时间因子校验所述动态密码是否有效；若是，则通过鉴权。
  15. 一种终端，其特征在于，所述终端包括：
    接收单元，接收第一服务端下发的鉴权因子，所述鉴权因子中携带有用户的鉴权密钥、账户信息和动态时间因子，所述第一服务端为在所述终端请求第一业务操作时对所述终端进行鉴权后完成所述第一业务操作的服务端；
    绑定单元，利用所述接收单元接收的所述鉴权因子与所述终端的设备信息生成绑定鉴权信息；
    发送单元，返回所述绑定单元生成的所述绑定鉴权信息给所述第一服务端，以便所述第一服务端根据所述绑定鉴权信息通过所述第一业务操作授权；
    处理单元，根据所述接收单元接收的所述鉴权因子生成用于离线完成所述第一业务操作的图形标识，所述图形标识携带有所述第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括所述用户的鉴权密钥、设备账户信息及动态密码，所述动态密码根据所述动态时间因子生成，所述设备账户信息根据所述用户的账户信息和所述终端的设备信息生成。
  16. 根据权利要求15所述的终端，其特征在于，所述接收单元还接收显示所述图形标识的显示指令；
    所述处理单元在所述接收单元接收到所述显示指令之后，执行根据所述鉴权因子生成用于离线完成所述第一业务操作的图形标识；
    所述终端还包括：
    显示单元，所述显示单元显示所述处理单元生成的所述图形标识，以便在离线状态下利用所述图形标识完成所述第一业务操作。
  17. 根据权利要求16所述的终端，其特征在于，所述显示单元显示的所述图形标识的显示方式包括以下所列的一种或结合：条形码、二维码；
    所述接收单元还接收所述图形标识显示方式的切换指令；
    所述处理单元还当所述接收单元接收到所述切换指令时，切换所述显示 单元显示的所述图形标识的显示方式。
  18. 根据权利要求15所述的终端，其特征在于，所述接收单元通过第二终端接收所述第一服务端下发的鉴权因子；所述发送单元通过所述第二终端返回所述绑定鉴权信息给所述第一服务端。
  19. 根据权利要求15所述的终端，其特征在于，所述发送单元还发送账户身份验证请求给所述第一服务端；
    所述接收单元接收所述第一服务端在身份验证成功后发送的验证结果；
    所述发送单元发送离线第一业务操作的授权验证请求给所述第一服务端；
    所述接收单元接收所述第一服务端在通过授权验证后下发的鉴权因子。
  20. 一种服务端，其特征在于，所述服务端包括：
    获取单元，获取终端上显示的图形标识中所携带的第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括用户的鉴权密钥、设备账户信息及动态密码；
    处理单元，利用所述获取单元获取的所述第一业务操作的鉴权信息与业务数据生成第一业务操作请求；
    发送单元，将所述处理单元生成的所述第一业务操作请求发送给所述第一服务端，以便所述第一服务端根据所述第一业务操作请求中所携带的所述第一业务操作的鉴权信息进行鉴权，并在通过所述鉴权时完成所述第一业务操作；
    接收单元，接收所述第一服务端返回的所述第一业务操作的结果。
  21. 一种服务端，其特征在于，所述服务端包括：
    接收单元，接收第二服务端发送的第一业务操作请求，所述第一业务操作请求由所述第二服务端通过获取终端上显示的图形标识中携带的所述第一业务操作的鉴权信息与业务数据所生成的请求，所述第一业务操作请求中携带有所述第一业务操作的鉴权信息和业务数据，所述第一业务操作的鉴权信 息包括用户的鉴权密钥、设备账户信息及动态密码；
    处理单元，根据所述接收单元接收的所述第一业务操作请求中所携带的所述第一业务操作的鉴权信息进行鉴权，当通过鉴权时，所述第一服务端完成第一业务操作。
  22. 根据权利要求21所述的服务端，其特征在于，还包括：
    所述处理单元还对所述终端进行在线账户绑定。
  23. 根据权利要求22所述的服务端，其特征在于，所述服务端还包括发送单元，
    所述接收单元还接收所述终端发送的账户身份验证请求，所述账户身份验证请求中携带有用户的账户信息；
    所述处理单元判断所述账户身份验证请求是否通过验证，若验证成功，则利用所述发送单元发送验证成功的验证结果给所述终端；
    所述接收单元接收所述终端发送的离线完成所述第一业务操作的授权验证请求；
    所述处理单元判断所述授权验证请求是否验证成功，若验证成功，则生成所述用户的鉴权密钥，并计算所述服务端的动态时间因子；并利用所述鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子；
    所述发送单元将所述处理单元生成的所述鉴权因子下发给所述终端；
    所述接收单元接收所述终端提交的绑定鉴权信息，所述绑定鉴权信息是利用所述鉴权因子与设备账户信息绑定生成的；
    所述处理单元对所述绑定鉴权信息进行授权验证，当通过授权时，完成所述授权验证。
  24. 根据权利要求22所述的服务端，其特征在于，所述服务端还包括发送单元，
    所述接收单元接收第二终端发送的账户身份验证请求，所述账户身份验证请求中携带有用户的账户信息；
    所述处理单元判断所述账户身份验证请求是否通过验证，若验证成功，则利用发送单元发送验证成功的验证结果给所述第二终端；
    所述接收单元接收第二终端发送的离线完成所述第一业务操作的授权验证请求；
    所述处理单元判断所述授权验证请求是否验证成功，若验证成功，则生成所述用户的鉴权密钥，并计算所述服务端的动态时间因子；并利用所述鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子；
    所述发送单元将所述鉴权因子下发给所述第二终端，以便所述第二终端将所述鉴权因子发送给所述终端；
    所述接收单元接收所述第二终端提交的由所述终端返回的绑定鉴权信息，所述绑定鉴权信息是所述终端利用所述鉴权因子与所述终端的设备账户信息绑定生成的；
    所述处理单元对所述绑定鉴权信息进行授权验证，当通过授权时，完成所述授权验证。
  25. 根据权利要求23或24所述的服务端，其特征在于，所述处理单元在生成所述用户的鉴权密钥之后，还将所述鉴权密钥与所述用户的账户信息生成压缩串，所述压缩串与所述鉴权密钥与用户的账户信息形成一一对应的映射关系；
    所述处理单元利用所述鉴权密钥、动态时间因子与所述用户的账户信息生成鉴权因子，具体包括：利用所述鉴权密钥、所述压缩串与所述动态时间因子生成所述鉴权因子。
  26. 根据权利要求21所述的服务端，其特征在于，所述处理单元具体校验所述第一业务操作的鉴权信息中携带的所述设备账户信息以及鉴权密钥的绑定关系是否正确，并根据鉴权因子中的所述动态时间因子校验所述动态密码是否有效；若是，则通过鉴权。
  27. 一种电子设备，其特征在于，所述电子设备包括：
    显示器；
    处理器；
    存储器，所述存储器存储第一服务端下发的鉴权因子以及根据所述鉴权因子生成用于离线完成第一业务操作的图形标识的程序，所述程序被所述处理器执行时，在所述显示器的显示区域显示所述用于离线完成第一业务操作的图形标识，所述图形标识携带有所述第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括所述用户的鉴权密钥、设备账户信息及动态密码，所述动态密码根据所述动态时间因子生成，所述设备账户信息根据所述用户的账户信息和所述终端的设备信息生成。
  28. 根据权利要求27所述的电子设备，其特征在于，所述动态密码在同一时间窗口内保持不变，在下一个时间窗口时，则根据所述动态时间因子重新生成，以进行动态变化。
  29. 根据权利要求27所述的电子设备，其特征在于，所述动态密码具体利用所述用户的鉴权密钥、所述动态时间因子、所述设备账户信息以及预设密码长度，根据一次性口令的计算方法计算得到。
  30. 根据权利要求27所述的电子设备，其特征在于，所述电子设备还包括：
    通信模块，与第二电子设备进行通信，接收所述第二电子设备发送的所述第一服务端下发的鉴权因子；并在绑定鉴权时，将绑定鉴权信息发送给所述第二电子设备以转发给所述第一服务端。
  31. 根据权利要求30所述的电子设备，其特征在于，所述通信模块为蓝牙模块或者WiFi模块。
  32. 一种信息交互系统，其特征在于，所述系统包括：终端、第一服务端和第二服务端；
    所述终端在离线状态时显示用于完成第一业务操作的图形标识，所述图形标识携带有所述第一业务操作的鉴权信息，所述第一业务操作的鉴权信息包括用户的鉴权密钥、设备账户信息及动态密码；
    所述第二服务端获取所述图形标识中所携带的所述第一业务操作的鉴权信息；
    所述第二服务端利用所述第一业务操作的鉴权信息与业务数据生成第一业务操作请求，并发送给所述第一服务端；
    所述第一服务端根据所述第一业务操作请求中所携带的所述第一业务操作的鉴权信息进行鉴权，当通过鉴权时，所述第一服务端完成所述第一业务操作。
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EP3306548A4 (en) 2018-11-14
KR102474462B1 (ko) 2022-12-05
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