WO2020140300A1

WO2020140300A1 - Method and system for implementing transaction by means of electronic card graphic code

Info

Publication number: WO2020140300A1
Application number: PCT/CN2019/070929
Authority: WO
Inventors: 颜斌
Original assignee: 深圳市融纳海川科技有限公司
Priority date: 2019-01-03
Filing date: 2019-01-09
Publication date: 2020-07-09
Also published as: CN109741051A

Abstract

The present invention provides a method for implementing transaction by means of an electronic card graphic code, comprising the following steps of: S1, selecting a specific electronic card to generate a first graphic code for binding to a transaction server; S2, identifying the first graphic code, and registering the specific electronic card in the transaction server; S3, receiving pullback information from the transaction server, wherein the first graphic code and the pullback information both comprise information of the same key factor, and generating, on the basis of the information of the same key factor, a second graphic code capable of being verified by the transaction server; and S4, identifying the second graphic code then for transaction. The present invention further provides a system for implementing transaction by means of an electronic card graphic code. According to the technical solutions of the present invention, by means of an electronic card, mobile payment is implemented, channels of mobile payment are expanded, and especially in areas where the use of mobile phones is prohibited (such as campus), the technical solutions are more convenient for users (students).

Description

Method and system for realizing transaction by electronic card graphic code

Technical field

The present invention relates to the field of Internet of Things, and in particular to a method and system for realizing a transaction by using an electronic card graphic code.

Background technique

Mobile payment refers to the use of ordinary mobile phones or smart phones to complete the payment or confirm the payment, rather than paying with cash, check or bank card. Buyers can use mobile phones to purchase a range of services, digital products or physical goods. Units or individuals send payment instructions directly or indirectly to bank financial institutions through mobile devices, the Internet, or proximity sensing to generate monetary payment and fund transfer behaviors, thereby realizing mobile payment functions. Mobile payment integrates terminal equipment, Internet, application providers and financial institutions to provide users with financial services such as currency payment and payment.

With the maturity of the mobile payment market, QR codes and barcode machines are becoming more and more popular. The built-in QR codes and barcodes on mobile apps can already realize various payments, access control verifications, travel certificates, etc.

Existing application scenarios require the mobile phone to be installed with a specific APP. If you can’t use the mobile phone directly or for simple payment transactions, you can only use the NFC card swipe method but it is limited to specific consumer places. People need to directly use other electronic devices to achieve mobile. Pay.

Summary of the invention

In order to solve the problem of using an electronic card to realize mobile payment, the present invention can provide a method and system for realizing a transaction by using an electronic card graphic code.

The technical solution of the present invention is implemented as follows:

The invention discloses a method for realizing a transaction by an electronic card graphic code, which includes the following steps:

S1. Select a specific electronic card and generate a first graphic code for binding with the transaction server;

S2. Identify the first graphic code, and register the specific electronic card in the transaction server;

S3. Receive pull-back information from the transaction server, wherein the first graphic code and the pull-back information all have the same key factor information; and based on the same key factor information, generate a transaction server that can be used by the The second graphic code for verification;

S4. Identify the second graphic code to conduct a transaction.

Further, the step S3 is specifically:

S31. Accept the designated key command of the bound electronic card, and initiate a request to obtain the transaction code through encryption to the transaction server based on the information of the same key factor;

S32. After receiving the transaction code data issued by the transaction server, display the second graphic code on the display unit according to the graphic code generation rule.

Further, the step S3 is specifically:

S33. Accept the designated key command of the bound electronic card, and generate the transaction code by itself based on the information of the same key factor;

S34. According to the transaction code, generate a second graphic code that can be verified by the transaction server offline.

Further, step S4 is specifically:

The transaction code collection terminal scans the second graphic code on the electronic card to identify and extract the transaction code information in the graphic information;

The transaction code collection terminal submits the transaction code and transaction data according to the interactive process agreed with the verification server;

The verification server decodes the transaction code according to the same transaction code generation rules as the electronic card, removes confusion data, and extracts the key factor information;

The verification server matches the key factor information with the user database information. If the time information in the transaction code is within the standard time allowable range, the timeliness of the transaction code is effective; if the The unique ID information of the electronic card in the transaction code can be found in the database, and the legality of the transaction code is considered valid;

After the verification server validates the time validity and legality of the transaction, it submits the transaction request to the transaction server for transaction confirmation;

After obtaining the user information and transaction data, the transaction server matches the user transaction information in the user database. If the transactions match, the transaction server allocates the transaction data, and the transaction server matches the transaction The result is fed back to the verification server, and the verification server replies to the transaction code collection terminal;

After the transaction code collection terminal receives a reply from the verification server, it confirms that the transaction is completed.

The invention discloses a system for realizing a transaction with a graphic code of an electronic card, which includes a plurality of back-end servers, a transaction code collection terminal, and at least one electronic card, the back-end server is connected to the transaction code collection terminal, and the transaction code Collect the graphic code displayed on the terminal's scanable electronic card. The electronic card has a first memory with a plurality of first instructions. The first instructions are suitable for being loaded by the first processor of the electronic card and executing the above method. Steps 1 (S1) and 3 (S3), the transaction code collection terminal has a second memory of a plurality of second instructions, the second instructions are suitable for being loaded by the second processor of the transaction code collection terminal And execute steps 2 (S2) and 4 (S4) in the above method.

Further, the background server includes a verification server, a database server, and a transaction server, and both the verification server and the database server are connected to the transaction server.

Further, the first instruction also performs the following steps:

Accept the designated key instruction of the bound electronic card, and initiate a request to obtain the transaction code through encryption to the transaction server based on the information of the same key factor;

After receiving the transaction code data issued by the transaction server, the second graphic code is displayed on the display unit according to the graphic code generation rule.

Further, the first instruction also performs the following steps:

Accept the designated key instruction of the bound electronic card, and generate the transaction code based on the same key factor information;

According to the transaction code, a second graphic code that can be verified by the transaction server is generated offline.

Further, the second instruction also performs the following steps:

Scan the second graphic code on the electronic card to identify and extract the transaction code information in the graphic information;

Submit the transaction code and transaction data according to the interactive process agreed with the verification server;

The verification server has a plurality of third memories of third instructions. The third instructions are adapted to be loaded by the third processor of the verification server and perform the following steps:

Decode the transaction code according to the same transaction code generation rules as the electronic card, remove confusion data, and extract the key factor information;

Match the key factor information with the user database information. If the time information in the transaction code is within the allowable range of standard time, the timeliness of the transaction code is effective; if the electronic information in the transaction code If the unique ID information of the card can be found in the database, the legality of the transaction code is considered valid;

After verifying the time validity and legality of the transaction, submit the transaction request to the transaction server for transaction confirmation;

The transaction server has a fourth memory of a plurality of fourth instructions. The fourth instructions are adapted to be loaded by the fourth processor of the verification server and perform the following steps:

After obtaining the user information and transaction data, the user transaction information in the user database is matched. If the transaction matches, the transaction data is allocated and the transaction matching result is fed back to the verification server, so that the verification The signing server can reply to the transaction code collection terminal to confirm the completion of the transaction.

The method and system for implementing a transaction of an electronic card graphic code of the present invention have the following beneficial technical effects:

The technical solution of the present invention realizes mobile payment through an electronic card, expands the channel of mobile payment, especially in areas where the use of mobile phones is prohibited (such as campuses), provides new payment methods, and is more convenient for users (students).

BRIEF DESCRIPTION

In order to more clearly explain the embodiments of the present invention or the technical solutions in the prior art, the following will briefly introduce the drawings required in the embodiments or the description of the prior art. Obviously, the drawings in the following description are only These are some embodiments of the present invention. For those of ordinary skill in the art, without paying any creative labor, other drawings can also be obtained based on these drawings.

FIG. 1 is a flow chart of a method for realizing a transaction with an electronic card graphic code according to the first embodiment of the invention;

FIG. 2 is a flow chart of a method for realizing a transaction with an electronic card graphic code according to a second embodiment of the invention;

FIG. 3 is a flow chart of a method for realizing a transaction with an electronic card graphic code according to a third embodiment of the invention;

4 is a schematic structural diagram of a system for realizing a transaction by using an electronic card graphic code according to an embodiment of the present invention.

detailed description

The technical solutions in the embodiments of the present invention will be described clearly and completely in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without making creative efforts fall within the protection scope of the present invention.

In the present invention, the first, second, third, and fourth, etc. only represent different products or devices, etc., and do not have the function of ordinal numbers.

Please refer to FIG. 1, the first embodiment, a method for realizing a transaction with a graphic code of an electronic card includes the following steps:

The electronic card should be bound to the transaction server through Bluetooth communication through the mobile phone.

Graphic codes include QR codes/barcodes, etc.

Before the electronic card has a binding relationship with the server data (abbreviated as unbound), the electronic card presses a designated button to generate a two-dimensional code for data binding purposes. The two-dimensional code uses a QR code or other two-dimensional code encoding method , The content includes the unique information of the card, Bluetooth MAC address, product information, etc.

The electronic card includes a main control processor unit, a display unit, a communication unit, a security unit, and an input unit.

The main control processor unit mainly includes transaction code generation algorithm, QR code/barcode generation algorithm, business flow control, encryption access and human-computer interaction flow control. The display unit provides prompt information display, status identification display, QR code/barcode display. LCD screen with black and white or color screen. The communication unit implements data communication channels such as Bluetooth, digital cellular mobile network, and WIFI. The communication unit can be a single chip or can be integrated into the main control chip by hardware. The security unit provides high security algorithms and high security data access functions. The security unit can be a single chip, or it can be integrated into the main control chip with high-security hardware. The input unit provides human-computer interaction input, such as keyboard input, touch screen input, fingerprint input, camera acquisition input, etc.

S2. Identify the first graphic code and register the specific electronic card with the transaction server.

The technical scheme adopted by the present invention is a transaction realization method based on an electronic card, which includes a signature verification server, a database server, a transaction server, a transaction code collection terminal, and an electronic card.

The transaction code collection terminal recognizes the first graphic code by scanning the code, and registers the specific electronic card in the transaction server.

S3. Receive the pull-back information from the transaction server, where the first graphic code and the pull-back information both have the same key factor information; and based on the same key factor information, generate a second graphic code that can be checked by the transaction server.

The QR code on the electronic card of the mobile phone scanning code is submitted to the server through Bluetooth and digital cellular mobile network, and the card information is registered in the server, and the information is pulled from the server and synchronized to the card, so that the card and the server can be based on the same key factor information Generate barcode or QR code information that can be checked. The key factor information includes time and the unique ID code generated by the server for the card. The entire communication process is highly encrypted.

After the binding is successful, the server will keep a copy of the key factor information of the card, and the electronic card will also save a copy of the key factor information.

S4. Identify the second graphic code to conduct the transaction.

Step S4 is specifically:

The transaction code collection terminal scans the QR code or barcode on the electronic card to identify and extract the transaction code information in the graphic information.

The transaction code collection terminal submits the transaction code and transaction data according to the interaction process agreed with the verification server.

The signature verification server decodes the transaction code according to the same transaction code generation rules as the electronic card, removes confusion data, and extracts key factor information (including time information and unique ID of the electronic card).

The verification server matches these key factor information with the user database information. If the time information in the transaction code is within the standard time allowable range (for example, ±30 seconds), the timeliness of the transaction code is effective. If the unique ID information of the electronic card in the transaction code can be found in the database, the legality of the transaction code is considered valid.

After the verification server validates the time validity and legality of the transaction, it submits the transaction request to the transaction server for transaction confirmation.

After obtaining the user information and transaction data, the transaction server matches the user transaction information in the user database, such as whether the user has the right to trade and whether the user's quota meets the transaction. The transaction server feeds back the result of the transaction matching to the verification server, and the verification server replies to the transaction code collection terminal together. If the transactions match, the transaction server transfers the transaction data.

After receiving the feedback from the server, the transaction code collection terminal confirms whether to conduct the transaction.

Please refer to FIG. 2. In the second embodiment of the present invention, online payment can be realized. Most of the steps are the same as FIG. 1, except that step S3 is specifically:

S31. Accept the specified key instruction of the bound electronic card, and initiate a request to obtain the transaction code through the encryption method based on the information of the same key factor;

At this time, generate a transaction code under the network status (can be connected to the verification server), press the designated button of the bound electronic card, the electronic card main control unit extracts the saved key factor data, and initiates to the remote server through encryption Request to obtain transaction codes or generate key factors.

The transaction server issues the transaction code data; that is, the remote server issues the transaction code or generates key factor data.

After receiving the transaction code data, the electronic card displays the second graphic code on the display unit according to the graphic code generation rule.

The electronic card receives the transaction code or generates key factor data, and then displays the bar code or two-dimensional code on the display unit according to the two-dimensional code or bar code generation rules.

Referring to FIG. 3, in the third embodiment of the present invention, offline payment can be realized. Most of the steps are the same as FIG. 1, except that step S3 is specifically:

S33. Accept the designated key instruction of the bound electronic card, and based on the information of the same key factor, the electronic card itself generates a transaction code;

At this time, the transaction code is generated in the offline state: press the designated button of the bound electronic card, and the electronic card main control unit extracts the saved key factor information (such as the current time, unique ID, etc.) as an input to the generation algorithm to generate A transaction code with not only specified rules to generate information but also random information confusion is issued.

The main control unit of the electronic card obtains the transaction code, and generates a bar code or two-dimensional code graphic on the display unit according to the two-dimensional code or bar code generation rules.

Please refer to FIG. 4, a system 100 for realizing a transaction by using an electronic card graphic code, including a plurality of back-end servers, a transaction code collection terminal 200, and at least one electronic card 400. The back-end server can be wired and wirelessly connected to the transaction code collection terminal 200 The collection terminal 200 can scan the graphic code displayed by the electronic card 400. The electronic card 400 has a first memory with a plurality of first instructions. The first instructions are suitable to be loaded by the first processor of the electronic card 400 and execute the method shown in FIG. In step 1 (step S1) and step 3 (step S3), the transaction code collection terminal 200 has a second memory of a plurality of second instructions. The second instruction is suitable for being loaded by the second processor of the transaction code collection terminal 200 and Steps 2 (step S2) and 4 (step S4) in the method of FIG. 1 are performed.

That is: in the following steps:

S4. Identify the second graphic code to conduct a transaction.

The first processor of the electronic card 400 loads and executes steps S1 and S3, and the second processor of the transaction code collection terminal 200 loads and executes steps S2 and S4.

The background server includes a verification server 110, a database server 120, and a transaction server 130. The verification server 110 and the database server 120 are both connected to the transaction server 130.

In another embodiment of the system of the present invention, online payment can be implemented, in which case:

The first instruction also performs the following steps:

Accept the specified key command of the bound electronic card 400, and initiate a request to obtain the transaction code to the transaction server 130 through encryption based on the information of the same key factor;

After receiving the transaction code data issued by the transaction server 130, the second graphic code is displayed on the display unit according to the graphic code generation rule.

In yet another embodiment of the system of the present invention, offline payment can be realized, in this case:

The first instruction also performs the following steps:

Accept the designated key instruction of the bound electronic card 400, and generate a transaction code by itself based on the information of the same key factor;

Based on the generated transaction code, a second graphic code that can be checked by the transaction server 130 is generated offline.

In yet another embodiment of the system of the present invention, the second instruction also performs the following steps:

Scan the second graphic code on the electronic card 400 to identify and extract the transaction code information in the graphic information;

Submit the transaction code and transaction data according to the interactive process agreed with the verification server 110;

The verification server 110 has a third memory of multiple third instructions. The third instructions are suitable for being loaded by the third processor of the verification server 110 and perform the following steps:

Decode the transaction code according to the same transaction code generation rules as the electronic card 400, remove obfuscated data, and extract key factor information;

Match the key factor information with the user database information. If the time information in the transaction code is within the standard time range, the timeliness of the transaction is effective; if the unique ID information of the electronic card 400 in the transaction code can be found in the database , The legality of the transaction is considered valid;

After the time validity and legality of the transaction are verified, the transaction request is submitted to the transaction server 130 for transaction confirmation;

The transaction server 130 has a fourth memory of a plurality of fourth instructions. The fourth instructions are suitable for being loaded by the fourth processor of the verification server 110 and perform the following steps:

After obtaining the user information and transaction data, the user transaction information in the user database is matched. If the transaction matches, the transaction data is allocated and the transaction matching result is fed back to the verification server 110, so that the verification server 110 can reply Give the transaction code collection terminal 200 to confirm the completion of the transaction.

The technical solution of the present invention realizes mobile payment through an electronic card, which expands the channel of mobile payment, especially in areas where the use of mobile phones is prohibited (such as campus), and it is more convenient for users (students).

Those skilled in the art should understand that the embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or at least one computer usable storage medium (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer usable program code.

The present invention is described with reference to flowcharts and/or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and/or block in the flowchart and/or block diagram and a combination of the flow and/or block in the flowchart and/or block diagram may be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processing machine, or other programmable data processing device to produce a machine that enables the generation of instructions executed by the processor of the computer or other programmable data processing device A device for realizing the functions specified in one block or at least one block of the flowchart one flow or at least one flow and/or block diagram.

These computer program instructions may also be stored in a computer readable memory that can guide a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, the instructions The device implements the functions specified in one block or at least one block of the flowchart one flow or at least one flow and/or block diagram.

These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operating steps are performed on the computer or other programmable device to generate computer-implemented processing, which is executed on the computer or other programmable device The instructions provide steps for implementing the functions specified in one block or at least one block of the flowchart one flow or at least one flow and/or block diagram.

Although the preferred embodiments of the present invention have been described, those skilled in the art can make additional changes and modifications to these embodiments once they learn the basic inventive concept. Therefore, the appended claims are intended to be construed as including the preferred embodiments and all changes and modifications falling within the scope of the present invention.

Obviously, those skilled in the art can make various modifications and variations to the embodiments of the present invention without departing from the spirit and scope of the embodiments of the present invention. In this way, if these modifications and variations of the embodiments of the present invention fall within the scope of the claims of the present invention and equivalent technologies thereof, the present invention is also intended to include these modifications and variations.

Claims

A method for realizing a transaction with an electronic card graphic code, which is characterized by the following steps:

S1. Select a specific electronic card and generate a first graphic code for binding with the transaction server;

S2. Identify the first graphic code, and register the specific electronic card in the transaction server;

S3. Receive pull-back information from the transaction server, wherein the first graphic code and the pull-back information all have the same key factor information; and based on the same key factor information, generate a transaction server that can be used by the The second graphic code for verification;

S4. Identify the second graphic code to conduct a transaction.
The method according to claim 1, wherein the step S3 is specifically:

S31. Accept the designated key command of the bound electronic card, and initiate a request to obtain the transaction code through encryption to the transaction server based on the information of the same key factor;

S32. After receiving the transaction code data issued by the transaction server, display the second graphic code on the display unit according to the graphic code generation rule.
The method according to claim 1, wherein the step S3 is specifically:

S33. Accept the designated key command of the bound electronic card, and generate the transaction code by itself based on the information of the same key factor;

S34. According to the transaction code, generate a second graphic code that can be verified by the transaction server offline.
The method according to claim 2 or 3, wherein step S4 is specifically:

The transaction code collection terminal scans the second graphic code on the electronic card to identify and extract the transaction code information in the graphic information;

The transaction code collection terminal submits the transaction code and transaction data according to the interactive process agreed with the verification server;

The verification server decodes the transaction code according to the same transaction code generation rules as the electronic card, removes confusion data, and extracts the key factor information;

The verification server matches the key factor information with the user database information. If the time information in the transaction code is within the standard time allowable range, the timeliness of the transaction code is effective; if the The unique ID information of the electronic card in the transaction code can be found in the database, and the legality of the transaction code is considered valid;

After the verification server validates the time validity and legality of the transaction, it submits the transaction request to the transaction server for transaction confirmation;

After obtaining the user information and transaction data, the transaction server matches the user transaction information in the user database. If the transactions match, the transaction server allocates the transaction data, and the transaction server matches the transaction The result is fed back to the verification server, and the verification server replies to the transaction code collection terminal;

After the transaction code collection terminal receives a reply from the verification server, it confirms that the transaction is completed.
An electronic card graphic code realizing transaction system includes a plurality of background servers, a transaction code collection terminal, and at least one electronic card. The background server is connected to the transaction code collection terminal, and the transaction code collection terminal can be scanned. The graphic code displayed on the electronic card is characterized in that the electronic card has a first memory with a plurality of first instructions, and the first instructions are suitable for being loaded and executed by the first processor of the electronic card according to claim 1 Steps 1 and 3, the transaction code collection terminal has a second memory of a plurality of second instructions, and the second instruction is suitable for being loaded and executed by the second processor of the transaction code collection terminal according to claim 1 2 and 4 steps.
The system according to claim 5, wherein the background server includes a verification server, a database server, and a transaction server, and the verification server and the database server are both connected to the transaction server.
The system according to claim 5, wherein the first instruction further executes the following steps:

Accept the designated key instruction of the bound electronic card, and initiate a request to obtain the transaction code through encryption to the transaction server based on the information of the same key factor;

After receiving the transaction code data issued by the transaction server, the second graphic code is displayed on the display unit according to the graphic code generation rule.
The system according to claim 5, wherein the first instruction further executes the following steps:

Accept the designated key instruction of the bound electronic card, and generate the transaction code based on the same key factor information;

According to the transaction code, a second graphic code that can be verified by the transaction server is generated offline.
The system according to claim 6, wherein the second instruction further executes the following steps:

Scan the second graphic code on the electronic card to identify and extract the transaction code information in the graphic information;

Submit the transaction code and transaction data according to the interaction process agreed with the verification server;

The verification server has a plurality of third memories of third instructions. The third instructions are adapted to be loaded by the third processor of the verification server and perform the following steps:

Decode the transaction code according to the same transaction code generation rules as the electronic card, remove confusion data, and extract the key factor information;

Match the key factor information with the user database information. If the time information in the transaction code is within the allowable range of standard time, the timeliness of the transaction code is effective; if the electronic information in the transaction code If the unique ID information of the card can be found in the database, the legality of the transaction code is considered valid;

After verifying the time validity and legality of the transaction, submit the transaction request to the transaction server for transaction confirmation;

The transaction server has a fourth memory of a plurality of fourth instructions. The fourth instructions are adapted to be loaded by the fourth processor of the verification server and perform the following steps:

After obtaining the user information and transaction data, the user transaction information in the user database is matched. If the transaction matches, the transaction data is allocated and the transaction matching result is fed back to the verification server, so that the verification The signing server can reply to the transaction code collection terminal to confirm the completion of the transaction.