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CN113129005A - Offline payment method and system, payment terminal and collection terminal - Google Patents

Offline payment method and system, payment terminal and collection terminal Download PDF

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Publication number
CN113129005A
CN113129005A CN202110539010.2A CN202110539010A CN113129005A CN 113129005 A CN113129005 A CN 113129005A CN 202110539010 A CN202110539010 A CN 202110539010A CN 113129005 A CN113129005 A CN 113129005A
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payment
signature
token
terminal
information
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张宇
陈玮
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202110539010.2A priority Critical patent/CN113129005A/en
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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisions for transferring data to distant stations, e.g. from a sensing device
    • G06K17/0025—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisions for transferring data to distant stations, e.g. from a sensing device the arrangement consisting of a wireless interrogation device in combination with a device for optically marking the record carrier
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06M—COUNTING MECHANISMS; COUNTING OF OBJECTS NOT OTHERWISE PROVIDED FOR
    • G06M1/00—Design features of general application
    • G06M1/27—Design features of general application for representing the result of count in the form of electric signals, e.g. by sensing markings on the counter drum
    • G06M1/272—Design features of general application for representing the result of count in the form of electric signals, e.g. by sensing markings on the counter drum using photoelectric means
    • 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
    • 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
    • G06Q20/3276—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 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING 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
    • G06Q20/38—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

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

Abstract

The invention discloses an off-line payment method and system, a payment terminal and a collection terminal, wherein the method comprises the following steps: acquiring a first payment TOKEN signature downloaded from a payment terminal according to the downloading sequence, and decrypting the payment TOKEN signature by using a method reverse to payment encryption to acquire payment information comprising a payment TOKEN value and a payment process key; encrypting the transaction element by using the payment process key to obtain a payment credential; and receiving the transaction success information returned by the collection terminal aiming at the dynamic payment two-dimensional code. The invention decrypts the signature of the payment TOKEN to obtain the payment information comprising the value of the payment TOKEN and the key in the payment process, and then encrypts the transaction elements by using the key in the payment process to obtain the payment certificate to form the dynamic payment two-dimensional code, so that the collection terminal can scan to realize the off-line transaction, and the efficiency of the off-line transaction can be improved.

Description

Offline payment method and system, payment terminal and collection terminal
Technical Field
The invention relates to the technical field of mobile payment, in particular to an offline payment method and system, a payment terminal and a collection terminal.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Two-dimensional code payment has become a popular mobile payment method at present. However, when the payment operation occurs in the conventional two-dimensional code payment, the payer needs to have the networking interaction condition to complete the payment action, and the payee needs to have the networking interaction condition to obtain the transaction result. Therefore, when the payer and the payee are located in places with poor or imperfect network conditions, such as a closed room, a remote mountain area, a culvert, a tunnel, etc., the transaction may take a long time and even fail because the payee or the payer has unstable or no connection with the background server.
On the other hand, as the payee and the payer both need to communicate and interact with the background server during payment, the transaction speed is low, so that the problem of low transaction efficiency of the existing two-dimensional code networking payment can be caused, and the phenomenon is particularly obvious in convenience stores, restaurants and the like with large passenger flow and dense payment behaviors.
Therefore, the existing two-dimensional code payment mode has the problems of low payment efficiency and incapability of off-line payment.
Disclosure of Invention
The embodiment of the invention provides an offline payment method, which is used for improving the payment efficiency while realizing offline payment and comprises the following steps:
acquiring a first payment TOKEN signature downloaded from a payment terminal according to a downloading sequence; the payment terminal generates a corresponding payment TOKEN signature by performing payment encryption on each payment TOKEN value;
decrypting the acquired TOKEN signature by using a method inverse to payment encryption to acquire payment information comprising a TOKEN value and a payment process key; the payment terminal generates a payment process key according to the payment TOKEN value, a payment application counter corresponding to the account to be paid and a payment random number generated by the payment application counter;
encrypting the transaction element comprising the payment TOKEN value in the payment information by using the payment process key in the payment information to obtain a payment credential;
and receiving transaction success information returned by the collection terminal aiming at the dynamic payment two-dimensional code, wherein the dynamic payment two-dimensional code comprises a payment credential, a payment TOKEN value and a payment TOKEN signature.
The embodiment of the invention also provides a payment terminal, which is used for improving the payment efficiency while realizing off-line payment, and the payment terminal comprises:
a payment TOKEN signature acquisition module for acquiring a first payment TOKEN signature downloaded from a payment terminal according to a download sequence; the payment terminal also comprises a payment TOKEN signature generation module which is used for generating a corresponding payment TOKEN signature by carrying out payment encryption on each payment TOKEN value;
the payment information acquisition module is used for decrypting the acquired TOKEN signature of the payment by using a method reverse to payment encryption to acquire payment information comprising a TOKEN value of the payment and a key in the payment process; the payment process key generation unit generates a payment process key according to the payment TOKEN value, a payment application counter corresponding to the account to be paid and a payment random number generated by the payment application counter;
the payment encryption module is used for encrypting the transaction element comprising the payment TOKEN value in the payment information by using the payment process key in the payment information to obtain a payment credential;
and the transaction success information receiving module is used for receiving the transaction success information returned by the collection terminal aiming at the dynamic payment two-dimensional code, and the dynamic payment two-dimensional code comprises a payment credential, a payment TOKEN value and a payment TOKEN signature.
The embodiment of the invention provides an offline payment method, which is used for improving the payment efficiency while realizing offline payment and comprises the following steps:
scanning the dynamic payment two-dimensional code displayed by the payment terminal to obtain a TOKEN signature of the payment terminal; the dynamic payment two-dimension code comprises a payment credential and a payment TOKEN signature; the payment terminal encrypts the transaction element comprising the payment TOKEN value in the payment information by using the payment process key in the payment information to obtain a payment credential; the payment terminal generates a corresponding payment TOKEN signature by performing payment encryption on each payment TOKEN value;
decrypting the TOKEN signature of the payment terminal by using a method inverse to the encryption of the payment to obtain payment information comprising a key in the payment process; the payment terminal generates a payment process key by hashing and encrypting a payment TOKEN value, a payment application counter corresponding to the account to be paid and a payment random number generated by the payment application counter;
decrypting the payment credential of the payment terminal by using the payment process key in the payment information to obtain a transaction element comprising the account number to be collected and the TOKEN value of the payment;
and when a confirmation instruction that the transaction elements are correct is received, sending transaction success information to the payment terminal.
The embodiment of the invention also provides a collection terminal, which is used for improving the payment efficiency while realizing off-line payment, and comprises:
the second payment TOKEN signature acquisition module is used for scanning the dynamic payment two-dimensional code displayed by the payment terminal to acquire a payment TOKEN signature of the payment terminal; the dynamic payment two-dimension code comprises a payment credential and a payment TOKEN signature; the payment encryption module encrypts transaction elements including a payment TOKEN value in the payment information by using a payment process key in the payment information to obtain a payment credential; the payment TOKEN signature generation module is used for carrying out payment encryption on each payment TOKEN value to generate a corresponding payment TOKEN signature;
the second payment information acquisition module is used for decrypting the TOKEN signature of the payment at the payment terminal by using a method inverse to the encryption of the payment to acquire the payment information comprising the key in the payment process; the payment terminal generates a payment process key by hashing and encrypting a payment TOKEN value, a payment application counter corresponding to the account to be paid and a payment random number generated by the payment application counter;
the transaction element decryption module is used for decrypting the payment credential of the payment terminal by using the payment process key in the payment information to obtain a transaction element comprising the account number to be collected and the TOKEN value of payment;
and the transaction success information sending module is used for sending the transaction success information to the payment terminal when receiving the confirmation instruction that the transaction elements are correct.
The embodiment of the invention provides an offline payment method, which is used for improving the payment efficiency while realizing offline payment and comprises the following steps:
the payment terminal acquires a first payment TOKEN signature downloaded from the payment terminal according to the downloading sequence; the payment terminal generates a corresponding payment TOKEN signature by performing payment encryption on each payment TOKEN value;
the payment terminal decrypts the acquired TOKEN signature of the payment by using a method inverse to the encryption of the payment to obtain payment information comprising a TOKEN value of the payment and a key in the payment process; the payment terminal generates a payment process key according to the payment TOKEN value, a payment application counter corresponding to the account to be paid and a payment random number generated by the payment application counter;
the payment terminal encrypts the transaction element comprising the payment TOKEN value in the payment information by using the payment process key in the payment information to obtain a payment credential;
the collection terminal scans the dynamic payment two-dimensional code displayed by the payment terminal to obtain a payment TOKEN signature of the payment terminal; the dynamic payment two-dimension code comprises a payment credential and a payment TOKEN signature;
the collection terminal decrypts the TOKEN signature of the payment terminal by using a method inverse to the encryption of the payment to obtain the payment information comprising the key in the payment process;
the collection terminal decrypts the payment evidence of the payment terminal by using the payment process key in the payment information to obtain a transaction element comprising the account number to be collected and the TOKEN value of the payment;
when receiving a confirmation instruction that the transaction element is correct, the collection sends transaction success information to the payment terminal;
the payment terminal receives transaction success information returned by the collection terminal aiming at the dynamic payment two-dimensional code, and the dynamic payment two-dimensional code comprises a payment credential, a payment TOKEN value and a payment TOKEN signature.
The embodiment of the invention also provides an offline payment system which is used for realizing offline payment and improving payment efficiency.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the offline payment method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the offline payment method is stored in the computer-readable storage medium.
In the embodiment of the invention, a first payment TOKEN signature downloaded from a payment terminal is acquired according to a downloading sequence, and the acquired payment TOKEN signature is decrypted by using a method reverse to payment encryption to acquire payment information comprising a payment TOKEN value and a payment process key; encrypting the transaction element comprising the payment TOKEN value in the payment information by using the payment process key in the payment information to obtain a payment credential; and receiving transaction success information returned by the collection terminal aiming at the dynamic payment two-dimensional code, wherein the dynamic payment two-dimensional code comprises a payment credential, a payment TOKEN value and a payment TOKEN signature. The embodiment of the invention decrypts the signature of the payment TOKEN to obtain the payment information comprising the value of the payment TOKEN and the key in the payment process, and further encrypts the transaction elements by using the key in the payment process to obtain the payment certificate to form the dynamic payment two-dimensional code, so that the collection terminal can scan and realize the off-line transaction, and the efficiency of the off-line transaction can be improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of an implementation of an offline payment method according to an embodiment of the present invention;
fig. 2 is a flowchart illustrating an implementation of generating a TOKEN signature for payment in an offline payment method according to an embodiment of the present invention;
fig. 3 is a flowchart illustrating an implementation of step 201 in an offline payment method according to an embodiment of the present invention;
fig. 4 is a flowchart illustrating an implementation of step 202 in an offline payment method according to an embodiment of the present invention;
fig. 5 is a flowchart of another implementation of the offline payment method according to the embodiment of the present invention;
FIG. 6 is a functional block diagram of a payment terminal provided in an embodiment of the present invention;
fig. 7 is a block diagram illustrating a TOKEN signature generation module 605 in a payment terminal according to an embodiment of the present invention;
fig. 8 is a block diagram illustrating a structure of a key generation unit 701 in a payment process in a receiving terminal according to an embodiment of the present invention;
fig. 9 is a block diagram illustrating a structure of a TOKEN signature generation unit 702 in a receiving terminal according to an embodiment of the present invention;
FIG. 10 is a block diagram of another function of a payment terminal according to an embodiment of the present invention;
fig. 11 is a flowchart of an implementation of an offline payment method according to an embodiment of the present invention;
fig. 12 is a flowchart of another implementation of the offline payment method according to the embodiment of the present invention;
fig. 13 is a functional block diagram of a cash receiving terminal according to an embodiment of the present invention;
fig. 14 is another functional block diagram of the cash receiving terminal according to the embodiment of the present invention;
fig. 15 is a flowchart of an implementation of an offline payment method according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 illustrates an implementation flow of an offline payment method provided by an embodiment of the present invention, and for convenience of description, only the portions related to the embodiment of the present invention are illustrated, and the detailed description is as follows:
as shown in fig. 1, the offline payment method applied to a payment terminal includes:
step 101, acquiring a first payment TOKEN signature downloaded from a payment terminal according to a downloading sequence; the payment terminal generates a corresponding payment TOKEN signature by performing payment encryption on each payment TOKEN value;
step 102, decrypting the acquired TOKEN signature of the payment by using a method inverse to payment encryption to obtain payment information comprising a TOKEN value of the payment and a key in the payment process; the payment terminal generates a payment process key according to the payment TOKEN value, a payment application counter corresponding to the account to be paid and a payment random number generated by the payment application counter;
103, encrypting the transaction element comprising the TOKEN value of payment in the payment information by using the payment process key in the payment information to obtain a payment credential;
and 104, receiving transaction success information returned by the collection terminal aiming at the dynamic payment two-dimensional code, wherein the dynamic payment two-dimensional code comprises a payment credential, a payment TOKEN value and a payment TOKEN signature.
And the payment terminal acquires the first payment TOKEN signature downloaded from the payment terminal according to the downloading sequence after receiving the payment amount input by the user and the payment confirmation instruction input by the user. The payment terminal generates a corresponding payment TOKEN signature by performing payment encryption on each payment TOKEN value.
And after the payment TOKEN signature is acquired, decrypting the acquired payment TOKEN signature by using a method inverse to payment encryption, thereby acquiring payment information comprising a payment TOKEN value and a payment process key. In addition, the payment information also comprises a payment RSA public key, a payment random number and a payment application counter. The payment terminal generates a payment process key according to the payment TOKEN value, the payment application counter corresponding to the account to be paid and the payment random number generated by the payment application counter.
After the payment terminal obtains the payment process key in the payment information, the payment process key is used for encrypting the transaction element comprising the payment TOKEN value in the payment information, so that the payment credential is obtained. The transaction elements also include random number for collection, payment amount and transaction time. And finally, the payment terminal generates a dynamic payment two-dimensional code by the payment credential and the TOKEN signature so that the collection terminal scans the dynamic payment two-dimensional code to obtain the transaction elements therein to complete off-line collection. And the payment receiving terminal sends the transaction success information to the payment terminal after the offline transaction is realized, namely the payment terminal receives the transaction success information returned by the payment receiving terminal aiming at the dynamic payment two-dimensional code.
In the embodiment of the invention, a first payment TOKEN signature downloaded from a payment terminal is acquired according to a downloading sequence, and the acquired payment TOKEN signature is decrypted by using a method reverse to payment encryption to acquire payment information comprising a payment TOKEN value and a payment process key; encrypting the transaction element comprising the payment TOKEN value in the payment information by using the payment process key in the payment information to obtain a payment credential; and receiving transaction success information returned by the collection terminal aiming at the dynamic payment two-dimensional code, wherein the dynamic payment two-dimensional code comprises a payment credential, a payment TOKEN value and a payment TOKEN signature. The embodiment of the invention decrypts the signature of the payment TOKEN to obtain the payment information comprising the value of the payment TOKEN and the key in the payment process, and further encrypts the transaction elements by using the key in the payment process to obtain the payment certificate to form the dynamic payment two-dimensional code, so that the collection terminal can scan and realize the off-line transaction, and the efficiency of the off-line transaction can be improved.
Fig. 2 illustrates an implementation flow of generating a TOKEN signature for payment in the offline payment method provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are illustrated, and the details are as follows:
in an embodiment of the present invention, in order to increase the complexity of generating the payment TOKEN signature and further increase the transaction security, as shown in fig. 2, performing payment encryption on each payment TOKEN value to generate a corresponding payment TOKEN signature includes:
step 201, hashing and encrypting a payment TOKEN value, a payment application counter corresponding to an account to be paid, and a payment random number generated by the payment application counter to generate a payment process key;
step 202, encrypting the obtained payment information signature and the payment public key signature information by using a bank RSA private key to generate a payment TOKEN signature corresponding to the payment TOKEN value; generating a payment information signature through the payment TOKEN value, the payment random number, the payment application counter and the payment process key; and generating payment public key signature information through the payment RSA public key and the transaction time.
The payment process key can be generated by hashing and encrypting the payment TOKEN value, the payment application counter corresponding to the account to be paid and the payment random number generated by the payment application counter. In addition, when the bank RSA private key is used for generating the payment TOKEN signature based on the payment information signature and the payment public key signature information in an encryption mode, the payment information signature can be generated through the payment TOKEN value, the payment random number, the payment application counter and the payment process secret key, and the payment public key signature information is generated through the payment RSA public key and the transaction time.
In the embodiment of the invention, the payment TOKEN value, the payment application counter corresponding to the account number to be paid and the payment random number generated by the payment application counter are hashed and encrypted to generate the payment process key, the obtained payment information signature and the payment public key signature information are encrypted by utilizing the bank RSA private key to generate the payment TOKEN signature corresponding to the payment TOKEN value, so that the complexity of generating the payment TOKEN signature can be improved, and the transaction safety is further improved.
Fig. 3 illustrates an implementation flow of step 201 in the offline payment method provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are illustrated, and the detailed description is as follows:
in an embodiment of the present invention, in order to increase the complexity of generating the key in the payment process and further increase the security of the transaction, as shown in fig. 3, step 201, generating the key in the payment process by hashing and encrypting the TOKEN value for payment, the payment application counter corresponding to the account to be paid, and the payment random number generated by the payment application counter, includes:
step 301, generating a payment random number by using a payment application counter corresponding to an account to be paid;
step 302, carrying out merged hashing on the TOKEN value for payment, a payment application counter corresponding to the account to be paid and a payment random number generated by the payment application counter to obtain a payment hash value;
step 303, the payment hash value is encrypted by using the encryption algorithm master key to generate a payment process key.
The account to be paid may be, for example, a bank card number to be paid set by the user at the payment terminal, or an APP account including a financial payment function set by the user at the payment terminal, and the bank card number to be paid is called by the APP account to complete payment. The payment terminal generates a plurality of TOKEN values for payment by using an account number to be paid (e.g. a bank card number to be paid). The encryption algorithm may include a 3DES encryption algorithm, and those skilled in the art will understand that the encryption algorithm may also include other encryption algorithms besides the 3DES encryption algorithm described above, which is not particularly limited by the embodiment of the present invention.
In the embodiment of the invention, the payment random number is generated by using the payment application counter corresponding to the account number to be paid, the payment TOKEN value, the payment application counter corresponding to the account number to be paid and the payment random number generated by using the payment application counter are merged and hashed to obtain the payment hash value, the payment hash value is encrypted by using the encryption algorithm main key to generate the payment process key, so that the complexity of generating the payment process key can be improved, and the transaction safety is further improved.
Fig. 4 illustrates an implementation flow of step 202 in the offline payment method provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are illustrated, and the detailed description is as follows:
in an embodiment of the present invention, in order to further increase the complexity of generating the TOKEN signature for payment and further increase the security of transaction, as shown in fig. 4, the method for generating the TOKEN signature for payment corresponding to the TOKEN value by encrypting the obtained payment information signature and the payment public key signature information by using the RSA private key of the bank includes:
step 401, combining the TOKEN value, the random number, the application counter and the secret key in the payment process, and performing SHA-2 hashing to obtain a payment SHA-2 verification value;
step 402, encrypting the TOKEN value, the random number, the application counter, the secret key of the payment process and the SHA-2 verification value of the account to be paid by using the RSA private key of the payment to obtain a payment information signature;
step 403, hashing the payment RSA public key by using an SHA-2 algorithm to obtain a payment public key SHA-2 verification value;
step 404, merging the payment RSA public key, the transaction time and the payment public key SHA-2 verification value to generate payment public key signature information;
step 405, the private RSA key of the bank is used to encrypt the payment information signature and the payment public key signature information, and a payment TOKEN signature corresponding to the payment TOKEN value is generated.
Specifically, the payment information signature and the payment public key signature information can be respectively obtained through SHA-2 hashing and encryption, and then the payment information signature and the payment public key signature information are encrypted by utilizing a bank RSA private key, so that a payment TOKEN signature corresponding to the payment TOKEN value is generated.
In the embodiment of the invention, the payment information signature and the payment public key signature information are respectively obtained, and then the payment information signature and the payment public key signature information are encrypted by utilizing the bank RSA private key to generate the payment TOKEN signature, so that the complexity of generating the payment TOKEN signature can be further improved, and the transaction safety is further improved.
Fig. 5 illustrates another implementation flow of the offline payment method provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are illustrated, and the detailed description is as follows:
in an embodiment of the present invention, to further improve the transaction security, as shown in fig. 5, on the basis of the above method steps, the offline payment method further includes:
step 501, sending a payment TOKEN and a signature downloading request to a payment background;
step 502, receiving a plurality of payment TOKEN values and corresponding payment TOKEN signatures returned by a payment background for the payment TOKEN and the signature download request;
step 503, downloading and saving a plurality of payment TOKEN values and corresponding payment TOKEN signatures from the payment background, and displaying the payment TOKEN values and the corresponding payment TOKEN signatures as the payment two-dimensional codes.
And when the payment terminal acquires the payment TOKEN signature to generate the payment two-dimensional code, the payment terminal sends a payment TOKEN and signature downloading request to the payment background. After receiving the payment TOKEN and the signature downloading request sent by the payment terminal, the payment background returns a plurality of payment TOKEN values and corresponding payment TOKEN signatures thereof to the payment terminal according to the payment TOKEN and the signature downloading request, and then the payment terminal downloads and stores the plurality of payment TOKEN values and corresponding payment TOKEN signatures thereof, and the payment TOKEN is displayed as a payment two-dimensional code.
In the embodiment of the invention, the payment TOKEN value and the corresponding payment TOKEN signature are downloaded from the payment background, so that the transaction security can be further improved.
The embodiment of the invention also provides an off-line payment method which is applied to a payment background and comprises the following steps:
receiving a payment TOKEN and a signature downloading request sent by a payment terminal;
a plurality of payment TOKEN values and their corresponding payment TOKEN signatures are returned for the payment TOKEN and signature download request.
And after receiving the payment TOKEN and the signature downloading request sent by the payment terminal, the payment background returns a plurality of payment TOKEN values and corresponding payment TOKEN signatures thereof to the payment terminal for the payment terminal to download and store.
Before offline payment is performed, the payment background is used for generating and storing the certificate key information, and synchronizing the certificate key information to the collection background (see the following embodiment section for details). The certificate key information comprises a CA root certificate, a bank RSA public and private key pair and an index number thereof, a 3DES algorithm master key, a collection RSA public and private key pair and a payment RSA public and private key pair. The payment terminal is also used for downloading a CA root certificate, a bank RSA public and private key pair, an index number thereof and the like from a payment background.
Embodiments of the present invention further provide a payment terminal, as described in the following embodiments. Because the principle of solving the problems of the payment terminals is similar to the off-line payment method applied to the payment terminals, the implementation of the payment terminals can be referred to the implementation of the method, and repeated details are not repeated.
Fig. 6 shows functional modules of a payment terminal provided in an embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
referring to fig. 6, each module included in the payment terminal is used to execute each step in the embodiment corresponding to fig. 1, and please refer to fig. 1 and the related description in the embodiment corresponding to fig. 1, which is not repeated herein. In the embodiment of the present invention, the payment terminal includes a payment TOKEN signature obtaining module 601, a payment information obtaining module 602, a payment encryption module 603, and a transaction success information receiving module 604.
A payment TOKEN signature obtaining module 601, configured to obtain a first payment TOKEN signature downloaded from a payment terminal according to a download sequence; the payment terminal further comprises a payment TOKEN signature generation module 605 for generating a corresponding payment TOKEN signature by performing a payment encryption for each payment TOKEN value.
A payment information obtaining module 602, configured to decrypt the obtained TOKEN signature of the payment by using a method inverse to payment encryption, so as to obtain payment information including a TOKEN value of the payment and a key in a payment process; the payment process key generation unit generates a payment process key according to the payment TOKEN value, the payment application counter corresponding to the account to be paid and the payment random number generated by the payment application counter.
The payment encryption module 603 is configured to encrypt the transaction element including the payment TOKEN value in the payment information by using the payment process key in the payment information to obtain a payment credential.
The transaction success information receiving module 604 is configured to receive transaction success information returned by the receiving terminal for the dynamic payment two-dimensional code, where the dynamic payment two-dimensional code includes a payment credential, a payment TOKEN value, and a payment TOKEN signature.
In the embodiment of the present invention, the payment TOKEN signature obtaining module 601 obtains the first payment TOKEN signature downloaded from the payment terminal according to the downloading sequence, and the payment information obtaining module 602 decrypts the obtained payment TOKEN signature by using a method inverse to the payment encryption, so as to obtain the payment information including the payment TOKEN value and the payment process key; the payment encryption module 603 encrypts the transaction element including the TOKEN value of payment in the payment information by using the payment process key in the payment information to obtain a payment credential; the transaction success information receiving module 604 receives the transaction success information returned by the receiving terminal for the dynamic payment two-dimensional code, where the dynamic payment two-dimensional code includes a payment credential, a payment TOKEN value, and a payment TOKEN signature. The embodiment of the invention decrypts the signature of the payment TOKEN to obtain the payment information comprising the value of the payment TOKEN and the key in the payment process, and further encrypts the transaction elements by using the key in the payment process to obtain the payment certificate to form the dynamic payment two-dimensional code, so that the collection terminal can scan and realize the off-line transaction, and the efficiency of the off-line transaction can be improved.
Fig. 7 shows a schematic structure of the TOKEN signature generation module 605 in the payment terminal according to the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, which is detailed as follows:
in an embodiment of the present invention, in order to increase the complexity of generating the payment TOKEN signature and further increase the transaction security, referring to fig. 7, each unit included in the payment TOKEN signature generating module 605 is configured to execute each step in the embodiment corresponding to fig. 2, and please refer to fig. 2 and the related description in the embodiment corresponding to fig. 2 specifically, which is not described herein again. In the embodiment of the present invention, the payment TOKEN signature generating module 605 includes a payment process key generating unit 701 and a payment TOKEN signature generating unit 702.
The payment process key generating unit 701 is configured to hash and encrypt the payment TOKEN value, the payment application counter corresponding to the account to be paid, and the payment random number generated by the payment application counter to generate a payment process key.
A payment TOKEN signature generating unit 702, configured to encrypt the obtained payment information signature and the payment public key signature information by using a bank RSA private key, and generate a payment TOKEN signature corresponding to the payment TOKEN value; generating a payment information signature through the payment TOKEN value, the payment random number, the payment application counter and the payment process key; and generating payment public key signature information through the payment RSA public key and the transaction time.
In the embodiment of the present invention, the payment process key generation unit 701 hashes and encrypts the payment TOKEN value, the payment application counter corresponding to the account to be paid, and the payment random number generated by the payment application counter to generate the payment process key, and the payment TOKEN signature generation unit 702 encrypts the obtained payment information signature and the payment public key signature information by using the bank RSA private key to generate the payment TOKEN signature corresponding to the payment TOKEN value, so that the complexity of generating the payment TOKEN signature can be increased, and further, the transaction security can be improved.
Fig. 8 shows a schematic structure of a payment procedure key generating unit 701 in a receiving terminal according to an embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, which are detailed as follows:
in an embodiment of the present invention, in order to increase the complexity of generating the payment process key and further increase the transaction security, referring to fig. 8, each unit included in the payment process key generation unit 701 is configured to execute each step in the embodiment corresponding to fig. 3, specifically refer to fig. 3 and the related description in the embodiment corresponding to fig. 3, and are not described herein again. In this embodiment of the present invention, the payment process key generating unit 701 includes a payment random number generating sub-unit 801, a payment hash value acquiring sub-unit 802, and a payment process key acquiring sub-unit 803.
A payment random number generation subunit 801, configured to generate a payment random number by using the payment application counter corresponding to the account to be paid.
The payment hash value obtaining subunit 802 is configured to perform merged hash on the payment TOKEN value, the payment application counter corresponding to the account to be paid, and the payment random number generated by using the payment application counter to obtain the payment hash value.
A payment procedure key acquisition sub-unit 803 for encrypting the payment hash value with the encryption algorithm master key to generate a payment procedure key.
In the embodiment of the present invention, the payment random number generation subunit 801 generates a payment random number by using the payment application counter corresponding to the account to be paid, the payment hash value acquisition subunit 802 performs a merged hash on the TOKEN value for payment, the payment application counter corresponding to the account to be paid, and the payment random number generated by using the payment application counter to obtain a payment hash value, and the payment process key acquisition subunit 803 encrypts the payment hash value by using the encryption algorithm master key to generate a payment process key, which can improve the complexity of generating the payment process key, thereby improving the transaction security.
Fig. 9 shows a schematic structure of the TOKEN signature generation unit 702 in the payment receiving terminal according to an embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, which are detailed as follows:
in an embodiment of the present invention, in order to further increase the complexity of generating the payment TOKEN signature and further increase the transaction security, referring to fig. 9, each unit included in the payment TOKEN signature generating unit 702 is configured to execute each step in the embodiment corresponding to fig. 4, specifically please refer to fig. 4 and the related description in the embodiment corresponding to fig. 4, which is not repeated herein. In the embodiment of the present invention, the payment TOKEN signature generating unit 702 includes a payment SHA-2 verification value obtaining subunit 901, a payment information signature obtaining subunit 902, a payment public key SHA-2 verification value obtaining subunit 903, a payment public key signature information obtaining subunit 904, and a payment TOKEN signature generating subunit 905.
A payment SHA-2 authentication value obtaining subunit 901, configured to perform SHA-2 hashing on the payment TOKEN value, the payment random number, the payment application counter, and the payment process key to obtain a payment SHA-2 authentication value.
The payment information signature obtaining sub-unit 902 is configured to encrypt the TOKEN value of the payment of the account to be paid, the payment random number, the payment application counter, the payment process key, and the payment SHA-2 verification value by using the payment RSA private key, so as to obtain a payment information signature.
A payment public key SHA-2 verification value obtaining subunit 903, configured to hash the payment RSA public key with the SHA-2 algorithm to obtain a payment public key SHA-2 verification value.
A payment public key signature information obtaining subunit 904, configured to combine the payment RSA public key, the transaction time, and the payment public key SHA-2 verification value, and generate payment public key signature information.
A payment TOKEN signature generation subunit 905, configured to encrypt the payment information signature and the payment public key signature information by using a bank RSA private key, and generate a payment TOKEN signature corresponding to the payment TOKEN value.
In the embodiment of the present invention, the payment information signature obtaining subunit 902 and the payment public key signature obtaining subunit 904 obtain the payment information signature and the payment public key signature information, respectively, and then the payment TOKEN signature generating subunit 905 encrypts the payment information signature and the payment public key signature information by using the bank RSA private key to generate the payment TOKEN signature, which can further improve the complexity of generating the payment TOKEN signature and further improve the transaction security.
Fig. 10 shows another functional module of the payment terminal provided in the embodiment of the present invention, and for convenience of description, only the part related to the embodiment of the present invention is shown, and the detailed description is as follows:
in an embodiment of the present invention, in order to further improve the transaction security, referring to fig. 10, each module included in the payment terminal is configured to execute each step in the embodiment corresponding to fig. 5, specifically please refer to fig. 5 and the related description in the embodiment corresponding to fig. 5, which is not repeated herein. In the embodiment of the present invention, based on the above module structure, the payment terminal further includes a payment TOKEN download request sending module 1001, a payment TOKEN and signature receiving module 1002, and a payment TOKEN and signature storing module 1003.
A payment TOKEN download request sending module 1001, configured to send a payment TOKEN and a signature download request to a payment backend.
A payment TOKEN and signature receiving module 1002, configured to receive a plurality of payment TOKEN values and corresponding payment TOKEN signatures returned by the payment background for the payment TOKEN and the signature download request;
the payment TOKEN and signature saving module 1003 is configured to download and save a plurality of payment TOKEN values and corresponding payment TOKEN signatures thereof from the payment backend, and display the plurality of payment TOKEN values and the corresponding payment TOKEN signatures as a payment two-dimensional code.
In the embodiment of the invention, the payment TOKEN value and the corresponding payment TOKEN signature are downloaded from the payment background, so that the transaction security can be further improved.
The embodiment of the invention also provides a collection background, which comprises:
a collection TOKEN and signature download request receiving module for receiving collection TOKEN and signature download request sent by the collection terminal;
and the collection TOKEN and signature sending module is used for returning a collection TOKEN value and a corresponding collection TOKEN signature to the collection terminal after the collection background receives the collection TOKEN and signature downloading request sent by the collection terminal.
Fig. 11 illustrates an implementation flow of the offline payment method provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are illustrated, and the details are as follows:
as shown in fig. 11, the offline payment method applied to the cash receiving terminal includes:
step 1101, scanning the dynamic payment two-dimensional code displayed by the payment terminal to obtain a payment TOKEN signature of the payment terminal; the dynamic payment two-dimension code comprises a payment credential and a payment TOKEN signature; the payment terminal encrypts the transaction element comprising the payment TOKEN value in the payment information by using the payment process key in the payment information to obtain a payment credential; the payment terminal generates a corresponding payment TOKEN signature by performing payment encryption on each payment TOKEN value;
step 1102, decrypting the TOKEN signature of the payment at the payment terminal by using a method inverse to the payment encryption to obtain payment information including a payment process key; the payment terminal generates a payment process key by hashing and encrypting a payment TOKEN value, a payment application counter corresponding to the account to be paid and a payment random number generated by the payment application counter;
step 1103, decrypting the payment credential of the payment terminal by using the payment process key in the payment information to obtain a transaction element including the account number to be collected and the TOKEN value of the payment;
and 1104, when a confirmation instruction that the transaction element is correct is received, sending transaction success information to the payment terminal.
When the collection terminal collects the payment in the off-line payment transaction, the collection terminal scans the dynamic payment two-dimensional code displayed by the payment terminal and analyzes the TOKEN signature of the payment terminal from the dynamic payment two-dimensional code. The payment terminal generates a corresponding payment TOKEN signature by performing payment encryption on each payment TOKEN value. In addition, the payment terminal encrypts the transaction element including the payment TOKEN value in the payment information by using the payment process key in the payment information to obtain the payment credential.
After the collection terminal analyzes the dynamic payment two-dimensional code to obtain the TOKEN signature of the payment terminal, the TOKEN signature of the payment terminal is decrypted by using a method reverse to payment encryption, so that the payment information comprising the payment process key is obtained. The payment information also includes payment RSA public key, payment random number and payment application counter. In addition, the payment terminal generates a payment process key according to the payment TOKEN value, the payment application counter corresponding to the account to be paid and the payment random number generated by the payment application counter.
After the payment process key in the payment information is obtained, the payment credential of the payment terminal is decrypted by using the payment process key in the payment information, and the transaction element comprising the account number to be collected and the TOKEN value of the payment is obtained. The transaction element also includes the value of TOKEN, random number, payment amount and transaction time. And finally, when a confirmation instruction that the transaction elements are correct is received, sending transaction success information to the payment terminal.
In the embodiment of the invention, the dynamic payment two-dimensional code displayed by the payment terminal is scanned to obtain the payment TOKEN signature of the payment terminal, the payment TOKEN signature of the payment terminal is decrypted by a method inverse to payment encryption to obtain the payment information comprising the payment process key, the payment credential of the payment terminal is decrypted by using the payment process key in the payment information to obtain the transaction element comprising the account number to be collected and the payment TOKEN value, and the transaction success information is sent to the payment terminal when the confirmation instruction of the transaction element without error is received, so that the offline transaction can be realized and the efficiency of the offline transaction is improved.
Fig. 12 shows a further implementation flow of the offline payment method provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
in an embodiment of the present invention, in order to improve the efficiency of the offline transaction, as shown in fig. 12, on the basis of the above method steps, the offline payment method further includes:
step 1201, encrypting the TOKEN signature and the payment credential by using the payment process key during online to generate a transaction ciphertext, and sending the transaction ciphertext to a collection background;
and 1202, receiving a deduction notification message fed back after the transaction ciphertext is decrypted and verified by the collection background.
After the payment terminal sends the transaction success information to the payment terminal, the payment process key is used for encrypting the TOKEN signature and the payment credential to generate a transaction ciphertext, the transaction ciphertext is sent to the collection background at a certain time after the transaction occurs, such as daily timing online or daily final batch online, the collection background performs collection and payment deduction after decrypting and verifying the transaction ciphertext, and meanwhile, the payment deduction notification message is fed back to the collection terminal, so that the collection terminal can receive the payment deduction notification message.
In the embodiment of the invention, the TOKEN signature and the payment credential are encrypted by using the payment process key during online to generate the transaction ciphertext, the transaction ciphertext is sent to the collection background, and the deduction notification message fed back after the collection background decrypts and verifies the transaction ciphertext is received, so that the offline transaction efficiency can be improved.
The embodiment of the invention also provides an off-line payment method which is applied to a collection background and comprises the following steps:
receiving a transaction ciphertext sent by a collection terminal; the collection terminal encrypts the TOKEN signature and the payment credential of the payment through the key in the payment process to generate a transaction ciphertext;
and carrying out decryption verification on the received transaction ciphertext, and feeding back a deduction notification message to the collection terminal after the decryption verification is successful.
Before off-line payment, the collection background is used for generating and storing the certificate key information and synchronizing the certificate key information to the payment background. The certificate key information comprises a CA root certificate, a bank RSA public and private key pair and an index number thereof, a 3DES algorithm master key, a collection RSA public and private key pair and a collection RSA public and private key pair. The collection terminal is also used for downloading the CA root certificate, the bank RSA public and private key pair, the index number thereof and the like from the collection background.
The embodiment of the invention also provides a cash receiving terminal, which is described in the following embodiment. Because the principle of solving the problems of the cash receiving terminals is similar to the off-line payment method applied to the cash receiving terminals, the implementation of the cash receiving terminals can refer to the implementation of the method, and repeated details are not repeated.
Fig. 13 shows functional modules of the cash receiving terminal according to an embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, which are detailed as follows:
referring to fig. 13, each module included in the payee terminal is configured to perform each step in the embodiment corresponding to fig. 11, and please refer to fig. 11 and the related description in the embodiment corresponding to fig. 11 for details, which are not described herein again. In this embodiment of the present invention, the receiving terminal includes a second payment TOKEN signature obtaining module 1301, a second payment information obtaining module 1302, a transaction element decrypting module 1303, and a transaction success information sending module 1304.
A second TOKEN signature acquisition module 1301, configured to scan the dynamic payment two-dimensional code displayed by the payment terminal, and acquire a TOKEN signature of the payment terminal; the dynamic payment two-dimension code comprises a payment credential and a payment TOKEN signature; the payment encryption module 603 encrypts the transaction element including the TOKEN value of payment in the payment information by using the payment process key in the payment information to obtain a payment credential; the payment TOKEN signature generation module 605 is configured to perform payment encryption on each payment TOKEN value to generate a corresponding payment TOKEN signature.
A second payment information obtaining module 1302, configured to decrypt the TOKEN signature of the payment at the payment terminal by using a method inverse to payment encryption, so as to obtain payment information including a payment process key; the payment terminal generates a payment process key by hashing and encrypting the payment TOKEN value, a payment application counter corresponding to the account to be paid and a payment random number generated by the payment application counter.
The transaction element decryption module 1303 is configured to decrypt a payment credential of the payment terminal by using the payment process key in the payment information to obtain a transaction element including the account number to be collected and the TOKEN value of the payment;
and a transaction success information sending module 1304, configured to send transaction success information to the payment terminal when receiving the confirmation instruction that the transaction element is error-free.
In the embodiment of the present invention, the second payment TOKEN signature obtaining module 1301 scans the dynamic payment two-dimensional code displayed by the payment terminal to obtain the payment TOKEN signature of the payment terminal, the second payment information obtaining module 1302 decrypts the payment TOKEN signature of the payment terminal by using a method inverse to payment encryption to obtain the payment information including the payment process key, the transaction element decryption module 1303 decrypts the payment credential of the payment terminal by using the payment process key in the payment information to obtain the transaction element including the account number to be collected and the payment TOKEN value, and the transaction success information sending module 1304 sends the transaction success information to the payment terminal when receiving a confirmation instruction that the transaction element is correct, so that the offline transaction can be implemented and the efficiency of the offline transaction can be improved.
Fig. 14 shows another functional module of the cash receiving terminal according to the embodiment of the present invention, and for convenience of description, only the relevant parts of the embodiment of the present invention are shown, which is detailed as follows:
in an embodiment of the present invention, in order to improve the efficiency of the offline transaction, referring to fig. 14, each module included in the receiving terminal is configured to execute each step in the embodiment corresponding to fig. 12, and specific reference is made to fig. 12 and the related description in the embodiment corresponding to fig. 12, which are not repeated herein. In the embodiment of the present invention, on the basis of the above module structure, the payee terminal further includes an encryption sending module 1401 and a deduction notification receiving module 1402.
And an encryption sending module 1401, configured to encrypt the TOKEN signature and the payment credential by using the payment process key during online to generate a transaction ciphertext, and send the transaction ciphertext to the collection background.
And the deduction notification receiving module 1402 is configured to receive a deduction notification message fed back after the collection background decrypts and verifies the transaction ciphertext.
In the embodiment of the present invention, the encryption sending module 1401 encrypts the TOKEN signature of the payment and the payment credential by using the key in the payment process during online to generate the transaction ciphertext and sends the transaction ciphertext to the payment background, and the deduction notification receiving module 1402 receives the deduction notification message fed back after the payment background decrypts and verifies the transaction ciphertext, so as to improve the offline transaction efficiency.
Fig. 15 shows an implementation flow of the offline payment method provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
as shown in fig. 15, an offline payment method includes:
step 101, the payment terminal acquires a first payment TOKEN signature downloaded from the payment terminal according to a downloading sequence; the payment terminal generates a corresponding payment TOKEN signature by performing payment encryption on each payment TOKEN value;
102, the payment terminal decrypts the acquired TOKEN signature of the payment by using a method inverse to the encryption of the payment to obtain payment information comprising a TOKEN value of the payment and a key in the payment process; the payment terminal generates a payment process key according to the payment TOKEN value, a payment application counter corresponding to the account to be paid and a payment random number generated by the payment application counter;
103, the payment terminal encrypts the transaction element comprising the TOKEN value of payment in the payment information by using the payment process key in the payment information to obtain a payment credential;
step 1101, the collection terminal scans the dynamic payment two-dimensional code displayed by the payment terminal to obtain a TOKEN signature of the payment terminal; the dynamic payment two-dimension code comprises a payment credential and a payment TOKEN signature;
step 1102, the collection terminal decrypts the TOKEN signature of the payment terminal by using a method inverse to the encryption of the payment, and obtains the payment information including the key in the payment process;
step 1103, the receiving terminal decrypts the payment credential of the payment terminal by using the payment process key in the payment information to obtain the transaction element including the account number to be received and the TOKEN value of the payment;
1104, when receiving the confirmation instruction that the transaction element is correct, the collection sends the transaction success information to the payment terminal;
and 104, the payment terminal receives the transaction success information returned by the collection terminal aiming at the dynamic payment two-dimensional code, wherein the dynamic payment two-dimensional code comprises a payment credential, a payment TOKEN value and a payment TOKEN signature.
The embodiment of the invention also provides an offline payment system which comprises the payment terminal and the collection terminal. On the basis, the off-line payment system further comprises the payment background and the collection background.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the offline payment method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the offline payment method is stored in the computer-readable storage medium.
To sum up, in the embodiment of the present invention, the first TOKEN signature downloaded from the payment terminal is obtained according to the downloading order, and the obtained TOKEN signature is decrypted by using a method inverse to the payment encryption, so as to obtain the payment information including the TOKEN value and the payment process key; encrypting the transaction element comprising the payment TOKEN value in the payment information by using the payment process key in the payment information to obtain a payment credential; and receiving transaction success information returned by the collection terminal aiming at the dynamic payment two-dimensional code, wherein the dynamic payment two-dimensional code comprises a payment credential, a payment TOKEN value and a payment TOKEN signature. The embodiment of the invention decrypts the signature of the payment TOKEN to obtain the payment information comprising the value of the payment TOKEN and the key in the payment process, and further encrypts the transaction elements by using the key in the payment process to obtain the payment certificate to form the dynamic payment two-dimensional code, so that the collection terminal can scan and realize the off-line transaction, and the efficiency of the off-line transaction can be improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (12)

1.一种离线支付方法，应用于付款终端，其特征在于，包括：1. an offline payment method, applied to a payment terminal, is characterized in that, comprising: 按照下载顺序获取从付款终端下载的第一个付款TOKEN签名；付款终端通过对每个付款TOKEN值进行付款加密生成对应的付款TOKEN签名；Obtain the first payment TOKEN signature downloaded from the payment terminal according to the download sequence; the payment terminal generates the corresponding payment TOKEN signature by encrypting the payment for each payment TOKEN value; 利用与付款加密相逆的方法对获取的付款TOKEN签名进行解密，获得包括付款TOKEN值及付款过程密钥的付款信息；付款终端根据付款TOKEN值、待付款账号对应的付款应用计数器，以及付款应用计数器生成的付款随机数生成付款过程密钥；Decrypt the acquired payment TOKEN signature by the method opposite to payment encryption, and obtain payment information including the payment TOKEN value and the payment process key; the payment terminal uses the payment TOKEN value, the payment application counter corresponding to the account to be paid, and the payment application The payment random number generated by the counter generates the payment process key; 利用付款信息中的付款过程密钥，对包括付款信息中的付款TOKEN值的交易要素进行加密获得付款凭据；Using the payment process key in the payment information, encrypt the transaction elements including the payment TOKEN value in the payment information to obtain payment credentials; 接收收款终端针对动态付款二维码返回的交易成功信息，动态付款二维码包括付款凭据、付款TOKEN值及付款TOKEN签名。Receive the transaction success information returned by the collection terminal for the dynamic payment QR code. The dynamic payment QR code includes payment credentials, payment TOKEN value and payment TOKEN signature. 2.如权利要求1所述的离线支付方法，其特征在于，对每个付款TOKEN值进行付款加密生成对应的付款TOKEN签名，包括：2. offline payment method as claimed in claim 1 is characterized in that, each payment TOKEN value is carried out payment encryption to generate corresponding payment TOKEN signature, comprising: 对付款TOKEN值、待付款账号对应的付款应用计数器，以及付款应用计数器生成的付款随机数进行散列及加密生成付款过程密钥；Hash and encrypt the payment TOKEN value, the payment application counter corresponding to the account to be paid, and the payment random number generated by the payment application counter to generate the payment process key; 利用银行RSA私钥对获得的付款信息签名及付款公钥签名信息加密，生成付款TOKEN值对应的付款TOKEN签名；通过付款TOKEN值、付款随机数、付款应用计数器及付款过程密钥生成付款信息签名；通过付款RSA公钥及交易时间生成付款公钥签名信息。Use the bank's RSA private key to encrypt the obtained payment information signature and payment public key signature information to generate the payment TOKEN signature corresponding to the payment TOKEN value; generate the payment information signature through the payment TOKEN value, payment random number, payment application counter and payment process key ; Generate payment public key signature information through payment RSA public key and transaction time. 3.如权利要求1所述的离线支付方法，其特征在于，对付款TOKEN值、待付款账号对应的付款应用计数器，以及付款应用计数器生成的付款随机数进行散列及加密生成付款过程密钥，包括：3. offline payment method as claimed in claim 1 is characterized in that, to the payment application counter corresponding to payment TOKEN value, account to be paid, and the payment random number generated by payment application counter is hashed and encrypted to generate payment process key ,include: 利用待付款账号对应的付款应用计数器生成付款随机数；Use the payment application counter corresponding to the account to be paid to generate a payment random number; 对付款TOKEN值、待付款账号对应的付款应用计数器，以及利用付款应用计数器生成的付款随机数进行合并散列获得付款散列值；The payment hash value is obtained by combining and hashing the payment TOKEN value, the payment application counter corresponding to the account to be paid, and the payment random number generated by the payment application counter; 利用加密算法主密钥对付款散列值进行加密，生成付款过程密钥。The payment hash value is encrypted with the encryption algorithm master key to generate the payment process key. 4.如权利要求1所述的离线支付方法，其特征在于，利用银行RSA私钥对获得的付款信息签名及付款公钥签名信息加密，生成付款TOKEN值对应的付款TOKEN签名，包括：4. offline payment method as claimed in claim 1, is characterized in that, utilizes bank RSA private key to obtain the payment information signature and payment public key signature information encryption, generates the payment TOKEN signature corresponding to payment TOKEN value, comprises: 将付款TOKEN值、付款随机数、付款应用计数器及付款过程密钥合并进行SHA-2散列，获得付款SHA-2验证值；Combine the payment TOKEN value, payment random number, payment application counter and payment process key for SHA-2 hashing to obtain the payment SHA-2 verification value; 利用付款RSA私钥对待付款账号的付款TOKEN值、付款随机数、付款应用计数器、付款过程密钥及付款SHA-2验证值进行加密，获得付款信息签名；Use the payment RSA private key to encrypt the payment TOKEN value, payment random number, payment application counter, payment process key and payment SHA-2 verification value of the payment account to obtain the payment information signature; 利用SHA-2算法对付款RSA公钥进行散列，获得付款公钥SHA-2验证值；Use the SHA-2 algorithm to hash the payment RSA public key to obtain the payment public key SHA-2 verification value; 将付款RSA公钥、交易时间及付款公钥SHA-2验证值合并，生成付款公钥签名信息；Combine payment RSA public key, transaction time and payment public key SHA-2 verification value to generate payment public key signature information; 利用银行RSA私钥对付款信息签名及付款公钥签名信息加密，生成付款TOKEN值对应的付款TOKEN签名。Use the bank's RSA private key to encrypt the payment information signature and payment public key signature information to generate the payment TOKEN signature corresponding to the payment TOKEN value. 5.一种付款终端，其特征在于，包括：5. A payment terminal, characterized in that, comprising: 付款TOKEN签名获取模块，用于按照下载顺序获取从付款终端下载的第一个付款TOKEN签名；付款终端还包括付款TOKEN签名生成模块，用于通过对每个付款TOKEN值进行付款加密生成对应的付款TOKEN签名；The payment TOKEN signature acquisition module is used to obtain the first payment TOKEN signature downloaded from the payment terminal according to the download sequence; the payment terminal also includes a payment TOKEN signature generation module, which is used to generate the corresponding payment by encrypting the payment TOKEN value for each payment TOKEN signature; 付款信息获取模块，用于利用与付款加密相逆的方法对获取的付款TOKEN签名进行解密，获得包括付款TOKEN值及付款过程密钥的付款信息；付款过程密钥生成单元根据付款TOKEN值、待付款账号对应的付款应用计数器，以及付款应用计数器生成的付款随机数生成付款过程密钥；The payment information acquisition module is used for decrypting the acquired payment TOKEN signature by a method inverse to the payment encryption, to obtain payment information including the payment TOKEN value and the payment process key; the payment process key generation unit is based on the payment TOKEN value, the pending payment The payment application counter corresponding to the payment account, and the payment random number generated by the payment application counter to generate the payment process key; 付款加密模块，用于利用付款信息中的付款过程密钥，对包括付款信息中的付款TOKEN值的交易要素进行加密获得付款凭据；The payment encryption module is used to encrypt the transaction elements including the payment TOKEN value in the payment information by using the payment process key in the payment information to obtain payment credentials; 交易成功信息接收模块，用于接收收款终端针对动态付款二维码返回的交易成功信息，动态付款二维码包括付款凭据、付款TOKEN值及付款TOKEN签名。The transaction success information receiving module is used to receive the transaction success information returned by the collection terminal for the dynamic payment QR code. The dynamic payment QR code includes payment credentials, payment TOKEN value and payment TOKEN signature. 6.如权利要求5所述的付款终端，其特征在于，付款TOKEN签名生成模块包括：6. payment terminal as claimed in claim 5 is characterized in that, payment TOKEN signature generation module comprises: 付款过程密钥生成单元，用于对付款TOKEN值、待付款账号对应的付款应用计数器，以及付款应用计数器生成的付款随机数进行散列及加密生成付款过程密钥；The payment process key generation unit is used to hash and encrypt the payment TOKEN value, the payment application counter corresponding to the account to be paid, and the payment random number generated by the payment application counter to generate the payment process key; 付款TOKEN签名生成单元，用于利用银行RSA私钥对获得的付款信息签名及付款公钥签名信息加密，生成付款TOKEN值对应的付款TOKEN签名；通过付款TOKEN值、付款随机数、付款应用计数器及付款过程密钥生成付款信息签名；通过付款RSA公钥及交易时间生成付款公钥签名信息。The payment TOKEN signature generation unit is used to use the bank's RSA private key to sign the obtained payment information and encrypt the payment public key signature information, and generate the payment TOKEN signature corresponding to the payment TOKEN value; through the payment TOKEN value, payment random number, payment application counter and The payment process key generates the payment information signature; the payment public key signature information is generated through the payment RSA public key and the transaction time. 7.一种离线支付方法，应用于收款终端，其特征在于，包括：7. An offline payment method, applied to a collection terminal, characterized in that it comprises: 扫描付款终端展示的动态付款二维码，获得付款终端的付款TOKEN签名；动态付款二维码包括付款凭据及付款TOKEN签名；付款终端利用付款信息中的付款过程密钥，对包括付款信息中的付款TOKEN值的交易要素进行加密获得付款凭据；付款终端通过对每个付款TOKEN值进行付款加密生成对应的付款TOKEN签名；Scan the dynamic payment QR code displayed by the payment terminal to obtain the payment TOKEN signature of the payment terminal; the dynamic payment QR code includes the payment voucher and the payment TOKEN signature; the payment terminal uses the payment process key in the payment information, including the payment information. The transaction elements of the payment TOKEN value are encrypted to obtain payment credentials; the payment terminal generates the corresponding payment TOKEN signature by encrypting the payment TOKEN value for each payment; 利用与付款加密相逆的方法对付款终端的付款TOKEN签名进行解密，获得包括付款过程密钥的付款信息；付款终端通过对付款TOKEN值、待付款账号对应的付款应用计数器，以及付款应用计数器生成的付款随机数进行散列及加密生成付款过程密钥；The payment TOKEN signature of the payment terminal is decrypted by the method opposite to the payment encryption, and the payment information including the payment process key is obtained; the payment terminal generates the payment TOKEN value, the payment application counter corresponding to the account to be paid, and the payment application counter. The payment random number is hashed and encrypted to generate the payment process key; 利用付款信息中的付款过程密钥，对付款终端的付款凭据进行解密，获得包括待收款账号及付款TOKEN值的交易要素；Using the payment process key in the payment information, decrypt the payment credentials of the payment terminal to obtain transaction elements including the account number to be received and the payment TOKEN value; 在接收到交易要素无误的确认指令时，向付款终端发送交易成功信息。When receiving the confirmation instruction that the transaction elements are correct, send transaction success information to the payment terminal. 8.一种收款终端，其特征在于，包括：8. A collection terminal, characterized in that, comprising: 第二付款TOKEN签名获取模块，用于扫描付款终端展示的动态付款二维码，获得付款终端的付款TOKEN签名；动态付款二维码包括付款凭据及付款TOKEN签名；付款加密模块利用付款信息中的付款过程密钥，对包括付款信息中的付款TOKEN值的交易要素进行加密获得付款凭据；付款终端包括付款TOKEN签名生成模块，用于对每个付款TOKEN值进行付款加密生成对应的付款TOKEN签名；The second payment TOKEN signature acquisition module is used to scan the dynamic payment QR code displayed by the payment terminal to obtain the payment TOKEN signature of the payment terminal; the dynamic payment QR code includes payment credentials and payment TOKEN signature; the payment encryption module uses the The payment process key is used to encrypt the transaction elements including the payment TOKEN value in the payment information to obtain payment credentials; the payment terminal includes a payment TOKEN signature generation module, which is used to encrypt the payment for each payment TOKEN value to generate the corresponding payment TOKEN signature; 第二付款信息获取模块，用于利用与付款加密相逆的方法对付款终端的付款TOKEN签名进行解密，获得包括付款过程密钥的付款信息；付款终端通过对付款TOKEN值、待付款账号对应的付款应用计数器，以及付款应用计数器生成的付款随机数进行散列及加密生成付款过程密钥；The second payment information acquisition module is used to decrypt the payment TOKEN signature of the payment terminal by using the method opposite to the payment encryption, and obtain payment information including the payment process key; The payment application counter, and the payment random number generated by the payment application counter are hashed and encrypted to generate the payment process key; 交易要素解密模块，用于利用付款信息中的付款过程密钥，对付款终端的付款凭据进行解密，获得包括待收款账号及付款TOKEN值的交易要素；The transaction element decryption module is used to decrypt the payment credentials of the payment terminal by using the payment process key in the payment information, and obtain transaction elements including the account number to be received and the payment TOKEN value; 交易成功信息发送模块，用于在接收到交易要素无误的确认指令时，向付款终端发送交易成功信息。The transaction success information sending module is used to send transaction success information to the payment terminal when receiving the confirmation instruction that the transaction elements are correct. 9.一种离线支付方法，其特征在于，包括：9. An offline payment method, comprising: 付款终端按照下载顺序获取从付款终端下载的第一个付款TOKEN签名；付款终端通过对每个付款TOKEN值进行付款加密生成对应的付款TOKEN签名；The payment terminal obtains the first payment TOKEN signature downloaded from the payment terminal according to the download sequence; the payment terminal generates the corresponding payment TOKEN signature by encrypting the payment for each payment TOKEN value; 付款终端利用与付款加密相逆的方法对获取的付款TOKEN签名进行解密，获得包括付款TOKEN值及付款过程密钥的付款信息；付款终端根据付款TOKEN值、待付款账号对应的付款应用计数器，以及付款应用计数器生成的付款随机数生成付款过程密钥；The payment terminal decrypts the acquired payment TOKEN signature by means of the inverse method of payment encryption, and obtains payment information including the payment TOKEN value and the payment process key; the payment terminal uses the payment TOKEN value, the payment application counter corresponding to the account to be paid, and The payment random number generated by the payment application counter generates the payment process key; 付款终端利用付款信息中的付款过程密钥，对包括付款信息中的付款TOKEN值的交易要素进行加密获得付款凭据；The payment terminal uses the payment process key in the payment information to encrypt the transaction elements including the payment TOKEN value in the payment information to obtain the payment voucher; 收款终端扫描付款终端展示的动态付款二维码，获得付款终端的付款TOKEN签名；动态付款二维码包括付款凭据及付款TOKEN签名；The collection terminal scans the dynamic payment QR code displayed on the payment terminal to obtain the payment TOKEN signature of the payment terminal; the dynamic payment QR code includes the payment voucher and the payment TOKEN signature; 收款终端利用与付款加密相逆的方法对付款终端的付款TOKEN签名进行解密，获得包括付款过程密钥的付款信息；The payment terminal decrypts the payment TOKEN signature of the payment terminal by the method opposite to the payment encryption, and obtains payment information including the payment process key; 收款终端利用付款信息中的付款过程密钥，对付款终端的付款凭据进行解密，获得包括待收款账号及付款TOKEN值的交易要素；The payment terminal decrypts the payment credentials of the payment terminal by using the payment process key in the payment information, and obtains transaction elements including the account to be received and the payment TOKEN value; 收款在接收到交易要素无误的确认指令时，向付款终端发送交易成功信息；When receiving a confirmation instruction that the transaction elements are correct, the payment terminal sends transaction success information to the payment terminal; 付款终端接收收款终端针对动态付款二维码返回的交易成功信息，动态付款二维码包括付款凭据、付款TOKEN值及付款TOKEN签名。The payment terminal receives the transaction success information returned by the collection terminal for the dynamic payment QR code, and the dynamic payment QR code includes payment credentials, payment TOKEN value and payment TOKEN signature. 10.一种离线支付系统，其特征在于，包括如权利要求5至6任一项所述付款终端，以及如权利要求8所述收款终端。10. An offline payment system, characterized by comprising the payment terminal according to any one of claims 5 to 6, and the payment terminal according to claim 8. 11.一种计算机设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，其特征在于，所述处理器执行所述计算机程序时实现权利要求1至4任一项、7或9任一所述离线支付方法。11. A computer device, comprising a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor implements any one of claims 1 to 4 when the processor executes the computer program Any of the offline payment methods described in item 7 or 9. 12.一种计算机可读存储介质，其特征在于，所述计算机可读存储介质存储有执行权利要求1至4任一项、7或9任一所述离线支付方法的计算机程序。12. A computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for executing the offline payment method of any one of claims 1 to 4, 7 or 9.
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