CN106779691A - Transaction data processing method, device, terminal and system based on coded image - Google Patents
Transaction data processing method, device, terminal and system based on coded image Download PDFInfo
- Publication number
- CN106779691A CN106779691A CN201710082112.XA CN201710082112A CN106779691A CN 106779691 A CN106779691 A CN 106779691A CN 201710082112 A CN201710082112 A CN 201710082112A CN 106779691 A CN106779691 A CN 106779691A
- Authority
- CN
- China
- Prior art keywords
- transaction data
- image
- data processing
- scrambled
- scrambled image
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000003672 processing method Methods 0.000 title claims abstract description 34
- 238000012545 processing Methods 0.000 claims abstract description 89
- 238000001514 detection method Methods 0.000 claims abstract description 13
- 238000004891 communication Methods 0.000 claims description 41
- 238000000034 method Methods 0.000 claims description 37
- 238000012795 verification Methods 0.000 claims description 19
- 230000005540 biological transmission Effects 0.000 claims description 11
- 230000009467 reduction Effects 0.000 claims description 9
- 238000000605 extraction Methods 0.000 claims description 6
- 239000000284 extract Substances 0.000 claims description 3
- 238000002360 preparation method Methods 0.000 claims 1
- 230000004044 response Effects 0.000 description 18
- 238000005516 engineering process Methods 0.000 description 9
- 230000032683 aging Effects 0.000 description 3
- QVFWZNCVPCJQOP-UHFFFAOYSA-N chloralodol Chemical compound CC(O)(C)CC(C)OC(O)C(Cl)(Cl)Cl QVFWZNCVPCJQOP-UHFFFAOYSA-N 0.000 description 3
- 230000006870 function Effects 0.000 description 3
- 230000008901 benefit Effects 0.000 description 2
- 238000012790 confirmation Methods 0.000 description 2
- 238000011161 development Methods 0.000 description 2
- 230000018109 developmental process Effects 0.000 description 2
- 230000008569 process Effects 0.000 description 2
- 238000012546 transfer Methods 0.000 description 2
- 230000000007 visual effect Effects 0.000 description 2
- TVEXGJYMHHTVKP-UHFFFAOYSA-N 6-oxabicyclo[3.2.1]oct-3-en-7-one Chemical compound C1C2C(=O)OC1C=CC2 TVEXGJYMHHTVKP-UHFFFAOYSA-N 0.000 description 1
- 108010001267 Protein Subunits Proteins 0.000 description 1
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 description 1
- 230000006399 behavior Effects 0.000 description 1
- 230000001413 cellular effect Effects 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 229910052709 silver Inorganic materials 0.000 description 1
- 239000004332 silver Substances 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention proposes a kind of transaction data processing method based on coded image, device, terminal and system, wherein the above-mentioned transaction data processing method based on coded image includes：Obtain transaction data；Whether detection transaction data processing terminal is in off-line state；When in off-line state, default offline standby information is extracted；Coded treatment is encrypted to the offline standby information and the transaction data, scrambled image is generated；The scrambled image is used to be traded.The above-mentioned transaction data processing method based on coded image, device, terminal and system, under off-line state, according to transaction data and the offline standby information for prestoring, scrambled image is generated to be traded operation, scrambled image can be updated under off-line state, electronic payment safety is improved.
Description
Filed in the present patent application 14 days October in 2016 of requirement, Application No. 201610899627.4 is entitled " to be based on
The priority of the Chinese invention application of the transaction data processing method of coded image, device, terminal and system ", herein by it
Appearance is incorporated herein by reference.
Technical field
The present invention relates to payment technology field, more particularly to a kind of transaction data processing method based on coded image, dress
Put, terminal and system.
Background technology
With the development of intelligent terminal, its application function is more and more, and increasing people starts mobile phone accustomed to using etc.
Intelligent terminal is paid or is collected money etc. transactional operation, wherein, with the development of planar bar code technology, because planar bar code technology has
Contain much information, the advantages of recognition speed is fast, the transaction based on Quick Response Code turns into a kind of usual way paid by mails.
Traditional mode of doing business based on Quick Response Code is mainly：Accounts information is directly converted into Quick Response Code, and store up by terminal
It is stored on mobile phone.When being traded, the Quick Response Code that this fixation is to provide every time is identified, and so there is very big safety
Hidden danger, when terminal is used or lost by others, may bring about great losses to user.In order to improve security, Yi Zhongfang
Method is terminal through internet real-time update Quick Response Code, but this method needs terminal to access internet could to realize, once eventually
End is offline, then cannot be paid by Quick Response Code.
The content of the invention
In view of this, it is necessary to a kind of transaction data processing method based on coded image, device, terminal are provided and are
System, can update scrambled image under off-line state, improve electronic payment safety.
The invention discloses a kind of transaction data processing method based on coded image, it includes：
Obtain transaction data；
Whether detection transaction data processing terminal is in off-line state；
When in off-line state, default offline standby information is extracted；
Coded treatment is encrypted to the offline standby information and the transaction data, scrambled image is generated；
The scrambled image is used to be traded.
Used as a kind of implementation method, the offline standby information includes standby bianry image；
It is described that coded treatment is encrypted to the offline standby information and the transaction data, generate scrambled image
The step of, including：
The transaction data is encoded, the basic bianry image of generation；
Encryption is overlapped to the standby bianry image and the basic bianry image, scrambled figure is generated
Picture.
As a kind of implementation method, it is described scrambled image is generated according to the encryption data the step of before, also
Including：
When the transaction data processing terminal is in presence, real-time verification information is obtained；
Coded treatment is encrypted to the real-time verification information and the transaction data, scrambled image is generated.
As a kind of implementation method, the offline standby information and the transaction data are encrypted at coding described
After the step of reason, generation scrambled image, also include：
Wireless communication connection is set up with third party device；
The scrambled image is sent to the third party device by communication.
As a kind of implementation method, the encryption volume is sent to the third party device by communication described
Before the step of code image, also include：
Generation random number is simultaneously encrypted to the random number；
The random number after encryption is sent to the third party device, and it is random to receive the reduction of the third party device return
Number；
Judge whether the reduction random number is consistent with the random number of generation, if so, then being passed by point-to-point wireless telecommunications
Defeated mode sends the scrambled image to third party device.
The invention also discloses transaction data processing method of the another kind based on coded image, it includes：
Transaction data processing terminal obtains transaction data, and whether detection transaction data processing terminal itself is in offline shape
State, when in off-line state, extracts default offline standby information, and the offline standby information and the transaction data are entered
The treatment of row scrambled, generates scrambled image, and the scrambled image is used to be traded；
Third party device obtains the scrambled image, and after verifying that the scrambled image is effective, to service
Device sends the scrambled image；
The server receives the scrambled image, decrypts and recognize the scrambled image, obtains the friendship
Easy data, and deposit operation of withholing is carried out according to the transaction data.
Used as a kind of implementation method, the offline standby information includes standby bianry image；
The transaction data processing terminal is additionally operable to encode the transaction data, the basic bianry image of generation；It is right
The standby bianry image and the basic bianry image are overlapped encryption, generate scrambled image.
The invention also discloses a kind of transaction data processing unit based on coded image, it includes：
Acquiring unit, for obtaining transaction data；
Detection unit, for detecting transaction data processing terminal whether in off-line state；
Extraction unit, for when in off-line state, extracting default offline standby information；
Scrambled unit, it is raw for being encrypted coded treatment to the offline standby information and the transaction data
Into scrambled image.
The invention also discloses a kind of transaction data processing terminal based on coded image, it is included described in any of the above-described
Transaction data processing unit, also including CPU, memory, display, key-press module, security module and wireless communication module, its
In, the memory, the display, the key-press module, the security module and the wireless communication module respectively with institute
State CPU connections.
The invention also discloses a kind of transaction data processing system based on coded image, it includes transaction data treatment eventually
End, third party device and server, wherein：
The transaction data processing terminal, for obtaining transaction data, whether detection transaction data processing terminal itself is located
In off-line state, when in off-line state, default offline standby information is extracted, to the offline standby information and the friendship
Easy data are encrypted coded treatment, generate scrambled image；
The third party device, for obtaining the scrambled image, and is verifying that the scrambled image is effective
Afterwards, the scrambled image is sent to the server；
The server, for decrypting and recognizes the scrambled image, obtains the transaction data, and according to described
Transaction data carries out deposit operation of withholing.
The above-mentioned transaction data processing method based on coded image, device, terminal and system, under off-line state, according to
Transaction data and the offline standby information for prestoring, generation scrambled image, can be under off-line states to be traded operation
Scrambled image is updated, electronic payment safety is improved.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
The accompanying drawing of other embodiment is obtained according to these accompanying drawings.
Fig. 1 is the schematic flow sheet of the transaction data processing method based on coded image of one embodiment of the invention；
Fig. 2 is the schematic flow sheet of the transaction data processing method based on coded image of another embodiment of the present invention；
Fig. 3 is the schematic flow sheet of the transaction data processing method based on coded image of further embodiment of this invention；
Fig. 4 is the schematic flow sheet of the transaction data processing method based on coded image of yet another embodiment of the invention；
Fig. 5 is the structural representation of the transaction data processing unit based on coded image of one embodiment of the invention；
Fig. 6 is the structural representation of the transaction data processing terminal based on coded image of one embodiment of the invention；
The structural representation of the transaction data processing system based on coded image of Fig. 7 one embodiment of the invention.
Specific embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
In the description of the invention, it is to be understood that term " first ", " second " are only used for describing purpose, and can not
It is interpreted as indicating or implying relative importance or the implicit quantity for indicating indicated technical characteristic.Thus, define " the
One ", at least one this feature can be expressed or be implicitly included to the feature of " second ".In the description of the invention, " multiple "
It is meant that at least two, such as two, three etc., unless otherwise expressly limited specifically.
Transaction data processing method based on coded image according to embodiments of the present invention, dress are described below in conjunction with the accompanying drawings
Put, terminal and system.For example, the transaction data processing method based on coded image of one embodiment of the invention includes following step
Suddenly：The image generation instruction of generation scrambled, transaction data is included in the scrambled image generation instruction；Judge whether place
In off-line state, it is to extract the offline standby information for prestoring, for example, an offline standby information is selected from standby message storehouse；It is right
The offline standby information and the transaction data are encrypted coded treatment, generate scrambled image, the scrambled
Image is used to be traded.Such as described scrambled image is Quick Response Code or bar code.Wherein, the offline standby information tool
Effective property, for example, in preset time period effectively.The offline standby information can be downloaded and stored in advance when online.
Fig. 1 is referred to, it is that the flow of the transaction data processing method based on coded image of one embodiment of the invention is shown
It is intended to, the transaction data processing method is applied to transaction data processing terminal, such as smart mobile phone, panel computer, band screen
Smart card etc., the transaction data processing terminal can be as beneficiary or paying party.As shown in figure 1, described based on code pattern
The transaction data processing method of picture is comprised the following steps：
S110, obtains transaction data.
Wherein, above-mentioned transaction data includes account information and identity information.For example, account information includes Transaction Account number and friendship
The login password of easy account, or also include payment cipher；Identity information includes ID (identification, identity mark
Know), device id (i.e. the ID of transaction data processing terminal) etc..
Used as a kind of implementation method, transaction data also includes amount information, such as collection amount or payment.
As a kind of implementation method, above-mentioned identity information and partial account number information are prestored.For example, prestoring equipment
At least one Transaction Account number of ID, ID and the device id binding.And for example, stepping on for above-mentioned at least one Transaction Account number is also stored
Record password.
For example, if Transaction Account number is Net silver account or Third-party payment account, transaction data is numbered including hardware device
(device id), time, the amount of money, account, login password, payment cipher, term of validity etc..If Transaction Account number is bank card account number, example
Such as debit card or credit card account, then transaction data includes hardware device numbering (device id), time, the amount of money, address name, card
Number, payment cipher, the term of validity, confirmation code etc., such as confirmation code is three bit digitals of bank's card backside.
In specific implementation, the transaction data processing terminal based on coded image includes key-press module.Examined by key-press module
Survey the button operation of user input and perform the corresponding process instruction of the button operation.Such as a certain programmable button corresponds to transaction
Data acquisition is instructed, and operation of the user to the programmable button is detected by key-press module, so as to obtain transaction data.And for example, when
When 2 or more than 2 Transaction Account numbers of binding, the corresponding shortcut of each Transaction Account number is pre-set, by detecting user input
Key information determine this transaction account, and then read identity information and corresponding account information, obtain transaction data.
As a kind of implementation method, the payment cipher of each account is prestored.If above-mentioned transaction data processing terminal conduct
Paying party, then when reading payment account number, read payment cipher in the lump.Or, user pre-sets above-mentioned transaction data treatment eventually
The payment cipher at end, before reading payment password, points out the payment cipher of the above-mentioned transaction data processing terminal of user input, checking
The payment cipher of payment account number is read after correct again.So, the security of payment had both been improve, and had been remembered without user multiple close
Code,
As another embodiment, in order to improve payment safety, the payment cipher of each payment account number is not stored.It is above-mentioned
When transaction data processing terminal is as paying party, read after account information, point out the payment cipher of the user input account.
Whether S120, detection transaction data processing terminal is in off-line state；It is then to perform step S130, otherwise performs step
Rapid S150.
Used as a kind of implementation method, can transaction data processing terminal judge connect network, if network can be connected, is in
Presence, otherwise in off-line state.
S130, extracts default offline standby information.
In the present embodiment, offline standby information is the image or character information for prestoring, at transaction data
When reason terminal is offline, generation scrambled image is combined with Transaction Information.
As a kind of implementation method, standby message storehouse can be set, to store a plurality of offline standby information.Wherein, it is offline standby
With information by above-mentioned transaction data processing terminal it is online when download and store in advance.As a kind of implementation method, in order to improve peace
Quan Xing, every offline standby information have it is ageing, wherein, the effective time of each offline standby information can be referred to by server
It is fixed.
The offline standby information that extraction prestores, for example, select an offline standby information from standby message storehouse；And for example, according to
Each offline standby information is ageing in current time and standby message storehouse, selects a currently valid offline standby information.Example
Such as, in poll standby message storehouse each offline standby information effective time, judge that whether current time within its effective time, is
Then the offline standby information is currently valid offline standby information.Wherein, according to adding that effective offline standby information is obtained
Code image, being serviced device decrypt and recognize, be traded checking；And obtained according to invalid offline standby information
Scrambled image, it is impossible to for transaction verification.
S140, coded treatment is encrypted to the offline standby information and the transaction data, generates scrambled figure
Picture.
As a kind of implementation method, according to default AES and coding rule, to offline standby information and number of deals
According to coded treatment is encrypted, scrambled image is generated.
For example, above-mentioned offline standby information is image information, above-mentioned transaction data is obtained according to pre-arranged code rule encoding
To after base image, using VCS (Visual Cryprototype Scheme, visual cryptography scheme) technology, by the basis
Image is encrypted coding with offline standby image, such as superposition encryption, generates scrambled image.
In the embodiment of the present invention, scrambled image is used to be traded, such as being collected money or being paid the bill.
S150, it is online to obtain real-time verification information.
For example, obtaining real-time verification information to server.And for example, real-time verification is obtained to server by internet to believe
Breath.For example, logging in far-end server online obtains real-time verification information.
Wherein, in order to improve security, above-mentioned real-time verification information has ageing, such as, and for example exist in 60s effectively
In 30s effectively.
S160, coded treatment is encrypted to the real-time verification information and the transaction data, generates scrambled figure
Picture.
As a kind of implementation method, in order to improve security, before scrambled image is generated, using international payment group
The token technology knitted, to above-mentioned transaction data, or enters row variation treatment to above-mentioned transaction data and above-mentioned real-time verification information,
Then the data after processing variation are encoded, for example, according to the coding standard of Quick Response Code by real-time verification information and institute
State transaction data and be encoded to Quick Response Code.Or, according to the coding standard of bar code by the real-time verification information and transaction data
It is encoded to bar code.
As a kind of implementation method, real-time verification information and transaction data are carried out at coding according to default coding rule
Reason, generates coded image, then coded image is encrypted by secret sharing cipher mode, obtains scrambled image.With
As a example by Quick Response Code, the embodiment of the present invention can respectively retain shadow image in server and payment equipment, and payment equipment is utilized
Original 2 D code information is restored after the Quick Response Code of shadow image encryption and the shadow image superposition calculation of server.
Wherein, the scrambled image is used to be traded, such as collecting money or paying the bill.Optionally, scrambled
Image is Quick Response Code or bar code.
Wherein, after generation scrambled image, scrambled image is shown by display screen, so that third party device is scanned
Scrambled image.Or, also by wireless communication transmission mode, above-mentioned scrambled image is sent to third party device.Example
Such as, sent by the mode such as NFC (Near Field Communication, wireless near field communication), bluetooth, infrared.For example,
If above-mentioned transaction data processing terminal is paying party, third party device is gathering method, apparatus, such as POS (Pointofsales, pin
Sell a little) terminal device, ticketing gate, vending machine, intelligent terminal etc..If above-mentioned transaction data processing terminal is beneficiary,
Then third party device is payment method, apparatus, such as intelligent terminal.
Wherein, after third party device obtains above-mentioned scrambled image, by above-mentioned scrambled images transparent transmit to
Server, recognizes so that server carries out identity by the information in the scrambled image to above-mentioned transaction data processing terminal
Card, payment authentication etc. are operated, and information in the scrambled image performs the corresponding behaviour that transfers accounts that withholds to both parties
Make.
As a kind of implementation method, after step S140 or step S150, also execute the following steps：By point-to-point wireless
Communication transfer mode sends the scrambled image to third party device, to carry out collect money operation or payment operation.For example, logical
Cross RFID (Radio Frequency Identification, radio frequency identification), WIFI, bluetooth, LoRa, NB-IOT
At least one point such as (Narrow Band Internet of Things, based on cellular arrowband Internet of Things), ZigBee, infrared
To a wireless communication transmission mode, the scrambled image is sent to third party device.
And for example, the scrambled image comprising the unique ID of the RFID is sent to the third party device by NFC modes,
Unique ID of RFID module should be now included in transaction data.So, third party device reads transaction data and processes by NFC
Unique ID of the RFID module of terminal, and after scrambled image is obtained, the RFID module in contrast scrambled image
Unique ID it is whether consistent with what NFC read, compare it is consistent in the case of, coding image is uploaded to distal end by third party device
In server, the unique ID of RFID of far-end server checking transaction data processing terminal registration and scrambled image whether one
Cause, be the payment operation for carrying out correlation.
The above-mentioned transaction data processing method based on coded image, under off-line state, according to transaction data and prestores
Offline standby information, scrambled generates scrambled image to be traded operation, and encryption can be updated under off-line state
Coded image, improves electronic payment safety.
In one embodiment, the offline standby information includes standby bianry image；As shown in Fig. 2 step S140 bags
Include：
S141, encodes to the transaction data, the basic bianry image of generation.
For example, the transaction data is encoded into Quick Response Code according to the coding standard of Quick Response Code, based on bianry image.
Or, the transaction data is encoded to bar code according to the coding standard of bar code, based on bianry image.And for example, it is
Further raising security, before the basic bianry image of generation, using the token technology of international payment tissue, to the friendship
Easy data enter row variation treatment, then the transaction data after variation treatment is encoded, the basic bianry image of generation.
S142, encryption is overlapped to the standby bianry image and the basic bianry image, and generation encryption is compiled
Code image.
Specifically, VCS technology can be used, the standby bianry image is encrypted with basic bianry image, for example should
Standby bianry image is superimposed with basic bianry image and is encrypted, and generates scrambled image.For example, to the standby two-value
Image carries out XOR and is superimposed with basic bianry image, then is encrypted by secret sharing cipher mode.
Wherein, server end equally stores the standby bianry image, or stores the changing image of the standby bianry image,
For being decrypted to above-mentioned scrambled image.For example, after the above-mentioned scrambled image of server acquisition, it is standby using this
Bianry image, or the changing image of the standby bianry image is decrypted to above-mentioned coding image, to obtain above-mentioned scrambled
Information in image.
Wherein, the basic thought of secret sharing encryption is that Secret Image is encoded into multiple shadow images (sharing image)
In, and shadow image is assigned to multiple participants respectively, only need a number of participant to be superimposed shadow image during decryption
Come, so that it may which secret information is gone out by visuognosis.
By taking Quick Response Code as an example, the embodiment of the present invention can respectively retain shadow image in server and payment equipment, will pay
Original Quick Response Code is restored after the Quick Response Code of money equipment utilization shadow image encryption and the shadow image superposition calculation of server
Information.
The scrambled processing mode of the present embodiment, can lift the security of transaction data, and then lift transaction security
Property.
In one embodiment, the scrambled is sent to third party device by point-to-point wireless communication transmission mode
Before image, also checking communicates wirelessly the security of transmission means with third party device.For example, as shown in figure 3, also performing
Following steps：
S171, generates random number and random number is encrypted；
S172, sends the random number after encryption, and receive going back for the third party device return to the third party device
Former random number；
S173, judges whether the reduction random number is consistent with the random number for generating, and is then by point-to-point wireless telecommunications
Transmission means sends the scrambled image to third party device.
The present embodiment is by verifying the wireless communication transmission security of third party device, it can be ensured that in wireless telecommunications safety
Under conditions of transmit transaction data, further lifting transaction data security.
Fig. 5 is referred to, it is the flow of the transaction data processing method based on coded image of further embodiment of this invention
Schematic diagram, the transaction data processing method is by the transaction data processing terminal based on coded image, third party device and clothes
Business device is realized.Such as above-mentioned transaction data processing terminal is smart mobile phone, panel computer, the smart card with screen etc.；Above-mentioned
Three method, apparatus are the intelligent terminals with scanner section such as smart mobile phone, panel computer, and such as scanner section is camera；Above-mentioned service
Device, such as Quick Response Code resolution server, bank server, Third-party payment authority server etc..As shown in figure 5, described be based on
The transaction data processing method of coded image is comprised the following steps：
S401, transaction data processing terminal obtains transaction data.
Whether S402, transaction data processing terminal detection transaction data processing terminal itself is in off-line state, is to carry
Take default offline standby information.
S403, transaction data processing terminal is encrypted at coding to the offline standby information and the transaction data
Reason, generates scrambled image.
For example, the offline standby information includes standby bianry image；The transaction data processing terminal is to the transaction
Data are encoded, the basic bianry image of generation；The standby bianry image and the basic bianry image are overlapped and are added
Close treatment, generates scrambled image.
As a kind of implementation method, if transaction data processing terminal is in off-line state, can also be by NFC, bluetooth, red
It is outer to wait wireless communication mode to be connected with other equipments for surfing the net, using other equipment for surfing the net transparent transmission log-on messages logging in distal end
Server, the information needed for obtaining generation scrambled image from server, and then encrypt generation scrambled image.
Used as a kind of implementation method, if transaction data processing terminal is online, line obtains real-time verification information；And to described
Real-time verification information and the transaction data are encrypted coded treatment, generate scrambled image, and scrambled image is used for
It is traded, for example, is collected money or paid the bill.
S404, transaction data processing terminal shows the scrambled image.
As a kind of implementation method, transaction data processing terminal while the scrambled image is shown, also by point
The scrambled image is sent to third party device to a wireless communication mode.
S405, third party device obtains the scrambled image.
For example, third party device obtains the scrambled image by scanning.Or, third party device is by point-to-point
Wireless communication mode is received and obtains the scrambled image.
Whether effectively S406, third party device verifies the scrambled image, is then to send the encryption to server
Coded image.
If for example, verifying that the scrambled image effectively, the encryption is sent by transparent transmission mode to server
Coded image.
S407, server receives the scrambled image.
S408, server is decrypted and recognizes the scrambled image, obtains the transaction data.
S409, server carries out deposit operation of withholing according to the transaction data.
For example, before the deposit operation that withhold, server is processed always according to the transaction data authentication transaction data
The equipment identity information of terminal, subscriber identity information and payment information, after being verified, carry out deposit operation of withholing.At one
In embodiment, after the deposit operation that withhold, server also sends prompting message to the side of withholing user.
The above-mentioned transaction data processing method based on coded image, under off-line state, according to transaction data and prestores
Offline standby information, encryption generation scrambled image can update scrambled to be traded operation under off-line state
Image, improves electronic payment safety.
Fig. 5 is referred to, it is that the structure of the transaction data processing unit based on coded image of one embodiment of the invention is shown
It is intended to.For example, the transaction data processing unit based on coded image using any embodiment as shown in Figures 1 to 3 based on
The transaction data processing method of coded image is realized.As shown in figure 5, above-mentioned transaction data processing unit 10 includes：
Acquiring unit 110, for obtaining transaction data；
Detection unit 120, for detecting transaction data processing terminal whether in off-line state；
Extraction unit 130, for when in off-line state, extracting default offline standby information；
Scrambled unit 140, for being encrypted coded treatment to the offline standby information and the transaction data,
Generation scrambled image；The scrambled image is used to be traded.
In one embodiment, the offline standby information includes standby bianry image；The scrambled unit 140 is wrapped
Include：
Coded sub-units, for being encoded to the transaction data, the basic bianry image of generation；
Encryption sub-unit operable, for being overlapped encryption to the standby bianry image and the basic bianry image,
Generation scrambled image.
In one embodiment, extraction unit 130 is additionally operable to when the transaction data processing terminal is in presence,
Obtain real-time verification information；
Scrambled unit 130 is additionally operable to be encrypted at coding the real-time verification information and the transaction data
Reason, generates scrambled image.
In one embodiment, above-mentioned transaction data processing unit 10 also includes：
Radio communication unit, for setting up wireless communication connection with third party device；And, by communication to
The third party device sends the scrambled image.
In one embodiment, above-mentioned transaction data processing unit 10 also includes：
Random counting unit, for generating random number and being encrypted to random number；
Transmitting element, for sending the random number after encryption to the third party device, and receives the third party device
The reduction random number of return；
Judging unit, it is whether consistent with the random number for generating for judging the reduction random number, it is then by wireless telecommunications
Unit sends the scrambled image by point-to-point wireless communication transmission mode to third party device.
Further embodiment of this invention is, a kind of transaction data processing unit based on coded image, and it uses the institutes of Fig. 1 to 3
Show the transaction data processing method based on coded image described in any embodiment；For example, a kind of number of deals based on coded image
According to processing unit, it uses the transaction data processing method based on coded image described in any embodiment shown in Fig. 1 to 3 to realize；
And for example, a kind of transaction data processing unit based on coded image, it has described in any embodiment shown in Fig. 1 to 3 based on volume
Functional module corresponding to the transaction data processing method of code image.
The above-mentioned transaction data processing unit based on coded image, under off-line state, by transaction data and prestores
Offline standby information, generation scrambled image can update scrambled image to be traded operation under off-line state,
Improve electronic payment safety.
The embodiment of the present invention additionally provides a kind of transaction data processing terminal based on coded image, and it includes any of the above-described
The transaction data processing unit based on coded image described in embodiment.
The embodiment of the present invention additionally provides another transaction data processing terminal based on coded image, as shown in fig. 6, should
Transaction data processing terminal includes：CPU210, memory 220, display 230, key-press module 240, wireless communication module 250,
Security module 260 and transaction data processing unit 270.Wherein memory 220, display 230, key-press module 240, wireless telecommunications
Module 250, security module 260 and transaction data processing unit 270 are connected with CPU210 respectively.
Used as a kind of implementation method, CPU210, memory 220 and NFC submodules are integrated in a NFC chip.
Used as a kind of implementation method, transaction data processing unit 270 is integrated in CPU, wherein transaction data processing unit
270 is the transaction data processing unit based on coded image described in any of the above-described embodiment.
In the present embodiment, the data after CPU210 is used for being encrypted are encoded, and generate scrambled figure
Picture.Memory 220 is used to store offline standby information and transaction data, and wherein transaction data includes transaction data.Display 230
For showing scrambled image.Key-press module 240 is used to be input into.Wherein, key-press module 240 includes some buttons, for example, wrap
Include 0~9 totally 10 digital keys；And for example, key and delete key are also included validating that.Wireless communication module 250 is used to be set with third party
It is standby to communicate wirelessly connection.For example, carrying out NFC communications, infrared communication, bluetooth communication, LoRa wireless communication modules, NB-IOT
At least one such as wireless telecommunications.In the present embodiment, wireless communication module 250 includes RFID module, and RFID module includes NFC
Submodule.Security module 260 is used for the offline standby information that prestores of extraction when offline, to the offline standby information and described
Transaction data is encrypted.Used as a kind of implementation method, security module uses eSE (Embedded Secure
Element, embedded-type security element) module.The eSE modules include encryption/decryption logic circuit.For example, the eSE moulds
Block is present in transaction data processing terminal 20 with chip form.
Used as a kind of implementation method, CPU210 is included for generating random number and the random number list being encrypted to random number
Unit；Wireless communication module 250 also includes：For sending the random number after encryption to the third party device, and receive described the
The communication unit of the reduction random number that three method, apparatus are returned；
Used as a kind of implementation method, CPU210 also includes：For judge it is described reduction random number with generate random number be
It is no consistent, it is to control the wireless communication module to send described to third party device by point-to-point wireless communication transmission mode
The control unit of scrambled image.
As a kind of implementation method, as shown in Fig. 2 the transaction data processing terminal 20 is card-like.For example, its thickness is
0.56mm-1.42mm.And for example, its thickness is 0.72mm, can be so easy to carry.
In one embodiment, NFC submodules include NFC coils, and the NFC coils are produced when near NFC reader
Raw induced-current is powered.
In one embodiment, the transaction data processing terminal 20 is also powered by battery, such as by solar cell
Power supply.Wherein, solar cell includes the solar energy film and electric power management circuit that interconnect, is gathered by solar energy film
Solar energy, electric energy is converted the solar into and for powering by electric power management circuit.
In one embodiment, display includes LCDs and its drive circuit.For example, the LCDs is small
Size screen.For example, the LCDs is shaped as rectangle, and for example square.
In one embodiment, display includes electronic ink screen and its drive circuit, and electronics is changed by drive circuit
The color of ink, so that the content shown in changing electronic ink screen.
In this example it is shown that device is used to show scrambled image, such as image in 2 D code or bar code image.
In one embodiment, wireless communication module 250 also includes infrared wireless communication module, blue tooth wireless communication mould
At least one of block, LoRa wireless communication modules, NB-IOT wireless communication modules.
The above-mentioned transaction data processing terminal based on coded image, by the NFC submodules in RFID module, can be with it
He communicates wirelessly equipment, under off-line state, according to transaction data and the offline standby information for prestoring, encryption generation encryption
Coded image can update scrambled image to be traded operation under off-line state, improve electronic payment safety.
The above-mentioned transaction data processing terminal based on coded image, by the transaction for performing any embodiment shown in Fig. 1 to 4
Data processing method, under off-line state, according to transaction data and the offline standby information for prestoring, encryption generation scrambled figure
As scrambled image to be traded operation, can be updated under off-line state, electronic payment safety is improved.
The embodiment of the present invention additionally provides a kind of transaction data processing system based on coded image, as shown in fig. 7, the friendship
Easy data handling system 80 includes transaction data processing terminal 20, third party device 30 and the server of any of the above-described embodiment
40, wherein：
The transaction data processing terminal 20, for obtaining transaction data；Whether detection transaction data processing terminal is in
Off-line state；When in off-line state, default offline standby information is extracted；To the offline standby information and the transaction
Data are encrypted coded treatment, generate scrambled image；The scrambled image is used to be traded.
The third party device 30, for obtaining the scrambled image, and has in the checking scrambled image
After effect, the scrambled image is sent to the server.
The server 40, for decrypting and recognizes the scrambled image, obtains the transaction data, and according to institute
Stating transaction data carries out deposit operation of withholing.
For example, the above-mentioned transaction data processing system based on coded image, using described in embodiment illustrated in fig. 4 based on coding
The transaction data processing method of image is realized.Wherein transaction data processing terminal 20 is using described in any embodiment shown in Fig. 1 to 3
Transaction data processing method based on coded image is realized.
The above-mentioned transaction data processing system based on coded image, when transaction data processing terminal is in off-line state,
Remain able to updating scrambled image and paying, improve electronic payment safety.
It should be noted that in said apparatus embodiment, included modules are to be drawn according to function logic
Point, but above-mentioned division is not limited to, as long as corresponding function can be realized；In addition, each functional module is specific
Title is also only to facilitate mutually distinguish, the protection domain being not intended to limit the invention.
In addition, one of ordinary skill in the art will appreciate that realizing all or part of step in the various embodiments described above method
Program be can be by instruct the hardware of correlation to complete, corresponding program can be stored in read/write memory medium, institute
State storage medium, such as ROM/RAM, disk, CD.
Each technical characteristic of embodiment described above can be combined arbitrarily, to make description succinct, not to above-mentioned reality
Apply all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, the scope of this specification record is all considered to be.
Embodiment described above only expresses several embodiments of the invention, and its description is more specific and detailed, but simultaneously
Can not therefore be construed as limiting the scope of the patent.It should be pointed out that coming for one of ordinary skill in the art
Say, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to protection of the invention
Scope.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (10)
1. a kind of transaction data processing method based on coded image, it is characterised in that including：
Obtain transaction data；
Whether detection transaction data processing terminal is in off-line state；
When in off-line state, default offline standby information is extracted；
Coded treatment is encrypted to the offline standby information and the transaction data, scrambled image is generated；
The scrambled image is used to be traded.
2. method according to claim 1, it is characterised in that characterized in that, the offline standby information include it is standby
Bianry image；
It is described that coded treatment is encrypted to the offline standby information and the transaction data, generate the step of scrambled image
Suddenly, including：
The transaction data is encoded, the basic bianry image of generation；
Encryption is overlapped to the standby bianry image and the basic bianry image, scrambled image is generated.
3. method according to claim 1, it is characterised in that scrambled figure is generated according to the encryption data described
Before the step of picture, also include：
When the transaction data processing terminal is in presence, real-time verification information is obtained；
Coded treatment is encrypted to the real-time verification information and the transaction data, scrambled image is generated.
4. according to the method in any one of claims 1 to 3, it is characterised in that described to the offline standby information
And the transaction data is encrypted coded treatment, the step of generation scrambled image after, also include：
Wireless communication connection is set up with third party device；
The scrambled image is sent to the third party device by communication.
5. method according to claim 4, it is characterised in that set to the third party by communication described
Before the step of preparation send the scrambled image, also include：
Generation random number is simultaneously encrypted to the random number；
The random number after encryption is sent to the third party device, and receives the reduction random number that the third party device is returned；
Judge whether the reduction random number is consistent with the random number of generation, if so, then by point-to-point wireless communication transmission side
Formula sends the scrambled image to third party device.
6. a kind of transaction data processing method based on coded image, it is characterised in that including：
Transaction data processing terminal obtains transaction data, and whether detection transaction data processing terminal itself is in off-line state, when
During in off-line state, default offline standby information is extracted, the offline standby information and the transaction data are added
Code is processed, and generates scrambled image, and the scrambled image is used to be traded；
Third party device obtains the scrambled image, and after verifying that the scrambled image is effective, is sent out to server
Send the scrambled image；
The server receives the scrambled image, decrypts and recognize the scrambled image, obtains the number of deals
According to, and deposit operation of withholing is carried out according to the transaction data.
7. method according to claim 6, it is characterised in that the offline standby information includes standby bianry image；
The transaction data processing terminal is additionally operable to encode the transaction data, the basic bianry image of generation；To described
Standby bianry image and the basic bianry image are overlapped encryption, generate scrambled image.
8. a kind of transaction data processing unit based on coded image, it is characterised in that including：
Acquiring unit, for obtaining transaction data；
Detection unit, for detecting transaction data processing terminal whether in off-line state；
Extraction unit, for when in off-line state, extracting default offline standby information；
Scrambled unit, for being encrypted coded treatment to the offline standby information and the transaction data, generation adds
Code image.
9. a kind of transaction data processing terminal based on coded image, it is characterised in that including transaction as claimed in claim 8
Data processing equipment, also including CPU, memory, display, key-press module, security module and wireless communication module, wherein, institute
State memory, the display, the key-press module, the security module and the wireless communication module respectively with the CPU
Connection.
10. a kind of transaction data processing system based on coded image, it is characterised in that including base as claimed in claim 9
In the transaction data processing terminal of coded image, also including third party device and server；
The transaction data processing terminal, for obtaining transaction data, detection transaction data processing terminal itself whether be in from
Wire state, when in off-line state, extracts default offline standby information, to the offline standby information and the number of deals
According to coded treatment is encrypted, scrambled image is generated；
The third party device is used to obtain the scrambled image, and after verifying that the scrambled image is effective, to
Server sends the scrambled image；
The server is connect for receiving the scrambled image, decrypts and recognize the scrambled image, obtains described
Transaction data, and deposit operation of withholing is carried out according to the transaction data.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2016108996274 | 2016-10-14 | ||
| CN201610899627 | 2016-10-14 |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106779691A true CN106779691A (en) | 2017-05-31 |
| CN106779691B CN106779691B (en) | 2023-11-17 |
Family
ID=58957361
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710082112.XA Active CN106779691B (en) | 2016-10-14 | 2017-02-15 | Transaction data processing method, device, terminal and system based on coded image |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106779691B (en) |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108520411A (en) * | 2018-04-11 | 2018-09-11 | 郑鸿 | A kind of payment verifying system |
| CN109858580A (en) * | 2018-12-18 | 2019-06-07 | 深圳市微付充科技有限公司 | A kind of exchange method of graphic code, electronic equipment and storage device |
| CN110022317A (en) * | 2019-04-02 | 2019-07-16 | 中国工商银行股份有限公司 | Information transferring method, system and device based on figure |
| CN112529586A (en) * | 2020-12-15 | 2021-03-19 | 深圳市快付通金融网络科技服务有限公司 | Transaction information management method, device, equipment and storage medium |
| CN113627927A (en) * | 2021-08-03 | 2021-11-09 | 支付宝(杭州)信息技术有限公司 | Offline payment method and system |
| CN113888161A (en) * | 2021-10-28 | 2022-01-04 | 支付宝(杭州)信息技术有限公司 | Processing method, device and equipment for offline transaction |
| CN114758459A (en) * | 2022-03-22 | 2022-07-15 | 金邦达有限公司 | Mobile POS (point of sale) implementation method and mobile POS system |
| CN114782039A (en) * | 2022-03-14 | 2022-07-22 | 惠州市博实结科技有限公司 | Two-dimensional code dynamic refreshing method based on terminal and storage medium |
| CN118674450A (en) * | 2024-08-21 | 2024-09-20 | 深圳盛灿科技股份有限公司 | Identity recognition processing method and system based on offline two-dimension code |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102413148A (en) * | 2012-01-03 | 2012-04-11 | 西安电子科技大学 | Biological characteristic remote authentication method based on visual password |
| CN103312507A (en) * | 2013-05-09 | 2013-09-18 | 重庆邮电大学 | Encryption and authentication method in mobile payment |
| US20160125388A1 (en) * | 2014-01-20 | 2016-05-05 | Shanghai Ruixiang Information Technology Co., Ltd. | Off-line guiding and confirmation device and method for supporting mobile payment |
-
2017
- 2017-02-15 CN CN201710082112.XA patent/CN106779691B/en active Active
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102413148A (en) * | 2012-01-03 | 2012-04-11 | 西安电子科技大学 | Biological characteristic remote authentication method based on visual password |
| CN103312507A (en) * | 2013-05-09 | 2013-09-18 | 重庆邮电大学 | Encryption and authentication method in mobile payment |
| US20160125388A1 (en) * | 2014-01-20 | 2016-05-05 | Shanghai Ruixiang Information Technology Co., Ltd. | Off-line guiding and confirmation device and method for supporting mobile payment |
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108520411A (en) * | 2018-04-11 | 2018-09-11 | 郑鸿 | A kind of payment verifying system |
| CN108520411B (en) * | 2018-04-11 | 2021-11-23 | 郑鸿 | Payment verification system |
| CN109858580A (en) * | 2018-12-18 | 2019-06-07 | 深圳市微付充科技有限公司 | A kind of exchange method of graphic code, electronic equipment and storage device |
| CN110022317A (en) * | 2019-04-02 | 2019-07-16 | 中国工商银行股份有限公司 | Information transferring method, system and device based on figure |
| CN112529586A (en) * | 2020-12-15 | 2021-03-19 | 深圳市快付通金融网络科技服务有限公司 | Transaction information management method, device, equipment and storage medium |
| CN112529586B (en) * | 2020-12-15 | 2023-07-28 | 深圳市快付通金融网络科技服务有限公司 | Transaction information management method, device, equipment and storage medium |
| CN113627927A (en) * | 2021-08-03 | 2021-11-09 | 支付宝(杭州)信息技术有限公司 | Offline payment method and system |
| CN113888161A (en) * | 2021-10-28 | 2022-01-04 | 支付宝(杭州)信息技术有限公司 | Processing method, device and equipment for offline transaction |
| CN114782039A (en) * | 2022-03-14 | 2022-07-22 | 惠州市博实结科技有限公司 | Two-dimensional code dynamic refreshing method based on terminal and storage medium |
| CN114758459A (en) * | 2022-03-22 | 2022-07-15 | 金邦达有限公司 | Mobile POS (point of sale) implementation method and mobile POS system |
| CN118674450A (en) * | 2024-08-21 | 2024-09-20 | 深圳盛灿科技股份有限公司 | Identity recognition processing method and system based on offline two-dimension code |
Also Published As
| Publication number | Publication date |
|---|---|
| CN106779691B (en) | 2023-11-17 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106779691A (en) | Transaction data processing method, device, terminal and system based on coded image | |
| CN206601734U (en) | Transaction data processing terminal and system based on coded image | |
| US9886688B2 (en) | System and method for secure transaction process via mobile device | |
| CN100462987C (en) | Method and system for transmitting electronic value information | |
| JP5562964B2 (en) | Contactless authentication system and method used for settlement | |
| Chen et al. | NFC mobile transactions and authentication based on GSM network | |
| CN102204111B (en) | Systems, methods, and computer readable media for providing for secure offline data transfer between wireless smart devices | |
| CN103632436B (en) | A kind of method of the withdrawal based on terminal | |
| CN105827656B (en) | Identity identifying method and device based on NFC payment | |
| CN101329786B (en) | Method and system for acquiring bank card magnetic track information or payment application for mobile terminal | |
| CN206684807U (en) | gate and gate system | |
| CN101300808A (en) | Method and arrangement for secure autentication | |
| CN106603496A (en) | Data transmission protection method, intelligent card, server, and communication system | |
| Chen et al. | Using 3G network components to enable NFC mobile transactions and authentication | |
| CN103761647A (en) | Electronic payment system and electronic payment method | |
| CN106033571A (en) | Trading method of electronic signature devices, electronic signature devices and trading system | |
| CN118119958A (en) | Techniques and systems for performing authentication and payment operations to provide goods and services using contactless cards | |
| CN106027249B (en) | Identity card card reading method and system | |
| CN100547963C (en) | Utilize the method and the device of USB secret key inputting/displaying/transmitting user information | |
| CN101330675A (en) | Mobile payment terminal equipment | |
| KR101187414B1 (en) | System and method for authenticating card issued on portable terminal | |
| CN108229950A (en) | A kind of intelligent Service method that mobile communication terminal user based on low coverage space quick and precisely identifies | |
| CN104182867B (en) | Order sending method, method of reseptance, dispensing device, reception device and system | |
| CN106408302A (en) | Mobile user-oriented safe payment method and system | |
| CN105376704A (en) | Mobile wallet near-field communication payment method based on image encryption |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |