CN105205664A - Novel offline payment method - Google Patents
Novel offline payment method Download PDFInfo
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- CN105205664A CN105205664A CN201510621335.XA CN201510621335A CN105205664A CN 105205664 A CN105205664 A CN 105205664A CN 201510621335 A CN201510621335 A CN 201510621335A CN 105205664 A CN105205664 A CN 105205664A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a novel offline payment method. The method comprises the steps that account numbers of an accountee party and a receiving party serve as IDs, and a corresponding public key and private key are mapped according to business sub-domain identifications; a random number is selected from the receiving party, signature is conducted on the random number through the private key, and a two-dimension code is generated; the two-dimension code is scanned through the accountee party, the public key is mapped by means of the receiving party ID and the service sub-domain identification, and attestation is conducted on a signing message; if attestation succeeds, the accountee party successfully pays according to transaction information; signature is conducted on the random number by the accountee party through the private key after payment to generate a two-dimension code; the receiving party scans the two-dimension code, the public key is mapped through the accountee party ID and the business sub-domain identification, and attestation is conducted on a signing message; if attestation succeeds, posting is successfully conducted on the receiving party. According to the novel offline payment method, payment does not rely on the support of a network any more, payment is achieved on various mobile equipment, and the payment process is greatly facilitated. The two-way authentication process based on the identifications is adopted by the two payment parties, the legality of transactions is fully guaranteed, and illegal manipulation of information and information disguising are prevented.
Description
Technical field
The present invention relates to e-commerce security payment technical field, particularly a kind of mobile offline electronic payment mode based on key authentication.
Background technology
Network payment refers to ecommerce to be commercial base, and with commercial silver behavioral agent, the direction the opposing party's use safety participating in e-commerce initiative is paid by mails means and paid by the currency that public network carries out and the process of fund flow.
Network payment has following advantage: the first, network payment more can be fitted the demand of e-commerce development.The operating environment of network payment is based on open internet.Conventional payment is then in the system comparatively closed, and as operated in post office, bank, has significant limitation.The second, convenient.Network payment 24 hours lines, consumer can implement to pay by internet whenever and wherever possible.And conventional payment mode limits by space-time, be difficult to meet numerous user in time, space etc. customary demand.Three, quick.Network payment can realize sequence information real-time query, comprises the information such as whether order successfully pays.And after traditional modes of payments needs consumer to notify businessman, businessman just can go to corresponding unit to inquire about, and process is loaded down with trivial details, and the time is longer.Four, economical.Network payment has low-cost advantage.This advantage is embodied in that organizing cost is low, operating cost is low and several aspect such as operation cost is low.With regard to bank's single operating cost, network payment cost is only the 1% even less of conventional payment cost.Five, network payment can also play the effect boosted consumption.See to a certain extent, network payment makes consumer put through deal when its desire to purchase is the strongest process, thus promotes the development of ecommerce.
Obviously, network payment is convenient, fast compared with conventional payment is its even better key.At present, network payment is more and more outstanding in the strong position of the many levels such as function expansibility, technical security, system ease for use, certainly will become that enterprise faces terminal market directly, increases economic efficiency, cuts operating costs, the main Capital Flow mode of strengthen core competitiveness and accelerated development.
From the market response of reality, people still have more misgivings to network payment.On the one hand, the custom of people and theory are difficult to change, and network universal is the basis of network payment, if do not have network to connect, network payment also just cannot normally carry out; Two is consider based on factors such as safety, technology and services, and the security breaches in network payment process and information stealth easily allow client cause economic loss, and user holds the suspicious attitude to network payment approach.
Summary of the invention
In order to solve the problem, the present invention proposes a kind of novel offline electronic payment method, adopt mobile phone or other-end mode, during offline electronic payment, beneficiary generates gathering Quick Response Code, scans for paying party, scan paying party successfully and generate successful Quick Response Code of withholing, beneficiary scans this Quick Response Code, successfully keeps accounts, and offline electronic payment process completes.In this process, beneficiary and paying party adopt the two-way authentication based on Ckey certification in communication process, ensure that the information security in communication process.
Technical scheme of the present invention is as follows:
A novel offline electronic payment method, comprises the steps:
Step 1, during offline electronic payment, using an information of paying party and beneficiary as mark ID, goes out corresponding public affairs, private key pair according to business subdomain identity map;
Step 2, offline electronic payment process with mobile phone electronic wallet client end for carrier; Beneficiary chooses random number, signs to this random number with private key, and Transaction Information, beneficiary information, beneficiary signing messages are generated gathering Quick Response Code together;
Step 3, paying party scanning gathering Quick Response Code, utilizes the mark ID of beneficiary and business subdomain identity map to go out PKI, carries out sign test with PKI to beneficiary signing messages; If sign test failure, then flow process terminates; If sign test success, paying party is according to Transaction Information successful payment;
Step 4, after payment, paying party private key is signed to this random number, and payment information, paying party information, paying party signing messages are generated successful Quick Response Code of withholing together;
Step 5, beneficiary scanning is withholdd successful Quick Response Code, goes out PKI, carry out sign test to paying party signing messages with the mark ID of paying party and business subdomain identity map; If sign test failure, then flow process terminates; If sign test success, then beneficiary successfully keeps accounts; Offline electronic payment process terminates.
Its further technical scheme is: in described step 1, using the account of paying party and beneficiary as mark ID.
Advantageous Effects of the present invention is:
1, payment no longer relies on network support, still can realize paying, and realize on various mobile device, for user, greatly facilitate the process of payment under off-line state, makes to pay can occur whenever and wherever possible.
2, the both sides paid have employed the mutual authentication process based on mark, fully ensure that the legitimacy of transaction, prevent illegally distorting and information disguising of information.
3, offline electronic payment generates Quick Response Code in real time and mutually scans, and be with being different from of other offline electronic payment processes: first, offline electronic payment of the present invention does not need loaded down with trivial details secondary handshake steps, can pay the bill after both parties' barcode scanning identity verification; Secondly, in offline electronic payment process of the present invention, if paying party is wanted suddenly to Cancel Transaction in process of withholing, can cancel this transaction payment in terminal, this can not realize for other trade modes.
Accompanying drawing explanation
Fig. 1 is the process flow diagram that the present invention pays both sides' secure communication process.
Embodiment
Below in conjunction with accompanying drawing, the specific embodiment of the present invention is described further.
Fig. 1 is the process flow diagram that the present invention pays both sides' secure communication process.
As shown in Figure 1, during offline electronic payment, beneficiary and paying party adopt the encryption technology based on Ckey certification in communication process, ensure that the Information Security in communication process.Using the account (or other information) of paying party and beneficiary as mark ID, go out corresponding public affairs, private key pair according to business subdomain identity map.
Offline electronic payment process with mobile phone electronic wallet client end for carrier.Beneficiary chooses random number, signs to random number with private key, and Transaction Information, beneficiary information, signing messages are generated Quick Response Code together.
Paying party scanning Quick Response Code, utilizes the mark ID of beneficiary and business subdomain identity map to go out PKI, carries out sign test with PKI to signing messages.If sign test failure, then flow process terminates.If sign test success, paying party is according to Transaction Information successful payment.
After payment, paying party private key is signed to this random number, and payment information, paying party information, signing messages are generated Quick Response Code together.
Beneficiary scanning Quick Response Code, goes out PKI with the mark ID of paying party and business subdomain identity map, carries out sign test to signing messages.If sign test failure, then flow process terminates.If sign test success, then beneficiary successfully keeps accounts.
Offline electronic payment process terminates.
Below by way of two embodiments, flow process of the present invention is described in detail.
[embodiment one] client Zhang San transfer accounts to client Li Si.
As shown in Figure 1, paying party Zhang San wants to transfer accounts to beneficiary Li Si, and the two all uses mobile phone electronic wallet client end to operate.Li Si chooses random number R, signs to this random number R with private key, and Transaction Information, Li Si's id information, signing messages are generated Quick Response Code together.
Zhang San is scanned Quick Response Code, goes out PKI with Li Si ID and business subdomain identity map, if carry out the failure of sign test sign test with PKI to the signing messages of Li Si, then flow process terminates.
If sign test success, whether the cell-phone customer terminal inquiry of Zhang San agrees to operation of this time transferring accounts, if Zhang San's refusal, then flow process terminates.If Zhang San agrees to, then successfully withhold in the account of Zhang San, successfully transfer accounts to Li Si.
Zhang San signs to this random number R with private key, and payment information, Zhang San's id information, signing messages are generated Quick Response Code together.
Li Si scans this Quick Response Code, goes out PKI, carry out sign test with PKI to the signing messages of Zhang San with Zhang San ID and business subdomain identity map.If sign test failure, then flow process terminates.
If sign test success, Payment Amount successfully keeps accounts by Li Si.
[embodiment two] client Zhang San pay the bill to trade company.
As shown in Figure 1, paying party Zhang San wants to trade company's payment, and the two all uses mobile phone electronic wallet client end to operate.Trade company chooses random number R, signs to this random number R with private key, and Transaction Information, trade company's id information, signing messages are generated Quick Response Code together.
Zhang San is scanned Quick Response Code, goes out PKI with trade company ID and business subdomain identity map, if carry out the failure of sign test sign test with PKI to the signing messages of trade company, then flow process terminates.
If sign test success, whether the cell-phone customer terminal inquiry of Zhang San agrees to this payment operation, if Zhang San's refusal, then flow process terminates.If Zhang San agrees to, then successfully withhold in the account of Zhang San, successfully pay to trade company.
Zhang San signs to this random number R with private key, and payment information, Zhang San's id information, signing messages are generated Quick Response Code together.
This Quick Response Code is scanned in trade company, goes out PKI, carry out sign test with PKI to the signing messages of Zhang San with Zhang San ID and business subdomain identity map.If sign test failure, then flow process terminates.
If sign test success, Payment Amount successfully keeps accounts by trade company.
Above-described is only the preferred embodiment of the present invention, the invention is not restricted to above embodiment.Be appreciated that the oher improvements and changes that those skilled in the art directly derive without departing from the spirit and concept in the present invention or associate, all should think and be included within protection scope of the present invention.
Claims (2)
1. a novel offline electronic payment method, is characterized in that, comprise the steps:
Step 1, during offline electronic payment, using an information of paying party and beneficiary as mark ID, goes out corresponding public affairs, private key pair according to business subdomain identity map;
Step 2, offline electronic payment process with mobile phone electronic wallet client end for carrier; Beneficiary chooses random number, signs to this random number with private key, and Transaction Information, beneficiary information, beneficiary signing messages are generated gathering Quick Response Code together;
Step 3, paying party scanning gathering Quick Response Code, utilizes the mark ID of beneficiary and business subdomain identity map to go out PKI, carries out sign test with PKI to beneficiary signing messages; If sign test failure, then flow process terminates; If sign test success, paying party is according to Transaction Information successful payment;
Step 4, after payment, paying party private key is signed to this random number, and payment information, paying party information, paying party signing messages are generated successful Quick Response Code of withholing together;
Step 5, beneficiary scanning is withholdd successful Quick Response Code, goes out PKI, carry out sign test to paying party signing messages with the mark ID of paying party and business subdomain identity map; If sign test failure, then flow process terminates; If sign test success, then beneficiary successfully keeps accounts; Offline electronic payment process terminates.
2. novel offline electronic payment method according to claim 1, is characterized in that: in described step 1, using the account of paying party and beneficiary as mark ID.
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| CN201510621335.XA CN105205664A (en) | 2015-09-25 | 2015-09-25 | Novel offline payment method |
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| CN201510621335.XA CN105205664A (en) | 2015-09-25 | 2015-09-25 | Novel offline payment method |
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Cited By (35)
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| CN105761078A (en) * | 2016-02-04 | 2016-07-13 | 中城智慧科技有限公司 | Electronic currency payment system and method thereof |
| CN105913253A (en) * | 2016-03-25 | 2016-08-31 | 天地融科技股份有限公司 | Trade method and trade system of electronic signature device, and electronic signature device |
| CN106096959A (en) * | 2016-06-06 | 2016-11-09 | 中城智慧科技有限公司 | The recharge method of CPU card based on CCKS |
| CN106875179A (en) * | 2017-02-03 | 2017-06-20 | 杭州小步科技有限公司 | A kind of offline Quick Response Code method of payment and its system |
| CN106911658A (en) * | 2016-06-07 | 2017-06-30 | 阿里巴巴集团控股有限公司 | The transmission method of data, data sending terminal, data receiver and system |
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| CN107454038A (en) * | 2016-05-30 | 2017-12-08 | 北京军源合众科技发展有限责任公司 | A kind of method that Data Encryption Transmission is carried out by Quick Response Code |
| CN108053579A (en) * | 2017-12-18 | 2018-05-18 | 武汉市辛纳电子科技有限公司 | One kind is new to supplement equipment, charging system and recharge method with money |
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| CN108712383A (en) * | 2018-04-17 | 2018-10-26 | 新大陆（福建）公共服务有限公司 | A kind of generation method and computer readable storage medium of offline secure Quick Response Code |
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| CN108205755A (en) * | 2016-12-19 | 2018-06-26 | 北京握奇智能科技有限公司 | A kind of electronic fare payment system and method |
| CN106875179B (en) * | 2017-02-03 | 2020-12-08 | 杭州小步科技有限公司 | Offline two-dimensional code payment method and system thereof |
| CN106875179A (en) * | 2017-02-03 | 2017-06-20 | 杭州小步科技有限公司 | A kind of offline Quick Response Code method of payment and its system |
| TWI668647B (en) * | 2017-08-15 | 2019-08-11 | 解邦緯 | Contactless offline transaction method, seller device and buyer device |
| CN109658084B (en) * | 2017-10-11 | 2023-05-30 | 北京京东尚科信息技术有限公司 | Offline payment method and system |
| CN109658084A (en) * | 2017-10-11 | 2019-04-19 | 北京京东尚科信息技术有限公司 | The method and system of offline electronic payment |
| CN108460593B (en) * | 2017-11-01 | 2022-09-20 | 福建博思软件股份有限公司 | Offline two-dimensional code payment method and device |
| CN108460593A (en) * | 2017-11-01 | 2018-08-28 | 福建博思软件股份有限公司 | A kind of offline Quick Response Code method of payment and device |
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