CN110930147B - Offline payment method and device, electronic equipment and computer-readable storage medium - Google Patents
Offline payment method and device, electronic equipment and computer-readable storage medium Download PDFInfo
- Publication number
- CN110930147B CN110930147B CN201911061324.5A CN201911061324A CN110930147B CN 110930147 B CN110930147 B CN 110930147B CN 201911061324 A CN201911061324 A CN 201911061324A CN 110930147 B CN110930147 B CN 110930147B
- Authority
- CN
- China
- Prior art keywords
- information
- public key
- digital certificate
- payment
- electronic equipment
- 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.)
- Active
Links
Images
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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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
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 application discloses an offline payment method, belongs to the technical field of computers, and is beneficial to improving the security of offline payment. The method comprises the following steps: a payee and a payer acquire a platform public key, a private key and a digital certificate from the same platform in advance through a client on the electronic equipment, the digital certificate comprises the public key issued by the platform and a signature on the public key, and the payment information transmitted to the other party is encrypted and/or signed by the own digital certificate and the private key respectively to generate an information code which is displayed to the other party for the scanning of the other party; the other party verifies and analyzes the digital certificate of the other party through the platform public key stored in the electronic equipment to obtain the public key of the other party, and decrypts the encrypted information obtained by scanning the information code through the public key to finish off-line payment, wherein the public key, the private key and the digital certificate are obtained from a platform with authentication qualification in advance and stored in the electronic equipment locally, the data encryption safety is higher, the decryption is not easy, and the safety of the off-line payment can be improved.
Description
Technical Field
The embodiment of the application relates to the technical field of computers, in particular to an offline payment method, an offline payment device, electronic equipment and a computer-readable storage medium.
Background
With the development of internet and communication technology, mobile payment has more and more application scenes. Offline payment is also increasingly in demand. In the off-line payment technology commonly used in the prior art, a payer and a receiver are generally required to establish a communication link based on communication modes such as bluetooth and near field communication, and then payment data is transmitted based on the established communication link to complete payment. The Chinese patent application with application number 201510621335.X discloses a novel offline payment method, which takes account numbers of a payer and a payee as identification IDs (identities), and maps corresponding public and private key pairs according to the service sub-domain identification; the payee selects a random number, signs the random number by using a private key and generates a two-dimensional code; the payer scans the two-dimensional code, maps out a public key by using the ID of the payee and the identifier of the service subdomain, and checks the signature of the signature information; if the signature verification is successful, the payer pays successfully according to the transaction information; after payment, the payer signs the random number by using a private key to generate a two-dimensional code; the payee scans the two-dimensional code, maps out a public key by using the payer ID and the service subdomain identifier, and checks the signature of the signature information; if the signature is successfully checked, the payee successfully enters the account.
However, in the offline payment mode through the communication link, the communication link needs to be established through multiple handshakes, and the payment efficiency is low. Moreover, the process of multiple handshakes can lead to a payment security risk. In the scheme for realizing off-line payment based on the two-dimensional code, the public key is generated off-line through a mapping algorithm, and the hidden payment safety hazard caused by cracking of the public key exists.
Disclosure of Invention
The embodiment of the application provides an offline payment method which is beneficial to improving the security of offline payment.
In order to solve the above problem, in a first aspect, an embodiment of the present application provides an offline payment method, including:
in response to the operation of initiating the offline payment, encrypting the payment receiving information by a first private key stored in advance at the first electronic equipment to generate first encrypted information;
generating a first information code according to a first digital certificate stored in advance and the first encryption information at the first electronic equipment, and displaying the first information code;
at a second electronic device, scanning the first information code to obtain the first digital certificate and the first encryption information carried in the first information code;
at the second electronic equipment, analyzing the first digital certificate through a prestored third public key to obtain a first public key;
at the second electronic equipment, analyzing the first encrypted information through the first public key to obtain the collection information;
in response to the confirmation operation of the acquired collection information, encrypting the collection information obtained by analysis through a second private key stored in advance at the second electronic equipment to generate second encrypted information;
generating a second information code by a second digital certificate stored in advance and the first encryption information at the second electronic equipment, and displaying the second information code;
at the first electronic device, scanning the second information code to obtain the second digital certificate and the second encryption information carried in the second information code;
at the first electronic equipment, analyzing the second digital certificate through a prestored third public key to obtain a second public key;
at the first electronic equipment, analyzing the second encrypted information through the second public key to obtain the information of the collection to be verified;
and responding to the confirmation operation of the to-be-verified collection information, storing the second digital certificate and the second encryption information as an offline payment record at the first electronic equipment, and outputting offline payment success information.
In a second aspect, an embodiment of the present application provides an offline payment apparatus, including:
the first encrypted information generation module is used for responding to the operation of initiating the off-line payment, encrypting the collection information through a first private key stored in advance at the first electronic equipment and generating first encrypted information;
the first information code display module is used for generating a first information code according to a first digital certificate stored in advance and the first encryption information at the first electronic equipment and displaying the first information code;
a first digital certificate and encrypted information obtaining module, configured to obtain, at a second electronic device, the first digital certificate and the first encrypted information carried in the first information code by scanning the first information code;
a first public key obtaining module, configured to, at the second electronic device, obtain a first public key by analyzing the first digital certificate through a prestored third public key;
a collection information obtaining module, configured to analyze, at the second electronic device, the first encrypted information through the first public key to obtain collection information;
the second encrypted information generation module is used for responding to the confirmation operation of the acquired collection information, encrypting the collection information obtained by analysis through a second private key stored in advance at the second electronic equipment, and generating second encrypted information;
the second information code display module is used for generating a second information code through a second digital certificate stored in advance and the first encrypted information at the second electronic equipment and displaying the second information code;
a second digital certificate and encrypted information obtaining module, configured to obtain, at the first electronic device, the second digital certificate and the second encrypted information carried in the second information code by scanning the second information code;
a second public key obtaining module, configured to, at the first electronic device, analyze the second digital certificate through a prestored third public key to obtain a second public key;
the collection information verification module is used for analyzing the second encrypted information through the second public key at the first electronic equipment to obtain collection information to be verified;
and the offline payment module is used for responding to the confirmation operation of the to-be-verified collection information, storing the second digital certificate and the second encryption information as an offline payment record at the first electronic equipment, and outputting offline payment success information.
In a third aspect, an embodiment of the present application further discloses an electronic device, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the computer program to implement the offline payment method according to the embodiment of the present application.
In a fourth aspect, embodiments of the present application provide a computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, provides the steps of the offline payment method disclosed in embodiments of the present application.
According to the offline payment method disclosed by the embodiment of the application, in response to the operation of initiating the offline payment, the collection information is encrypted through the prestored first private key at the first electronic equipment, and first encryption information is generated; generating a first information code according to a first digital certificate stored in advance and the first encryption information at the first electronic equipment, and displaying the first information code; at a second electronic device, scanning the first information code to obtain the first digital certificate and the first encryption information carried in the first information code; at the second electronic equipment, analyzing the first digital certificate through a prestored third public key to obtain a first public key; at the second electronic equipment, analyzing the first encrypted information through the first public key to obtain the collection information; in response to the confirmation operation of the acquired collection information, encrypting the collection information obtained by analysis through a second private key stored in advance at the second electronic equipment to generate second encrypted information; generating a second information code by a second digital certificate stored in advance and the first encryption information at the second electronic equipment, and displaying the second information code; at the first electronic device, scanning the second information code to obtain the second digital certificate and the second encryption information carried in the second information code; at the first electronic equipment, analyzing the second digital certificate through a prestored third public key to obtain a second public key; at the first electronic equipment, analyzing the second encrypted information through the second public key to obtain the information of the collection to be verified; and responding to the confirmation operation of the to-be-verified collection information, storing the second digital certificate and the second encryption information at the first electronic equipment, and outputting offline payment success information, which is beneficial to improving the security of offline payment.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
Fig. 1 is a flowchart of an offline payment method according to a first embodiment of the present application;
fig. 2 is a schematic flow chart of an offline payment method according to the second embodiment of the present application;
fig. 3 is a schematic structural diagram of an offline payment apparatus according to a second embodiment of the present application;
fig. 4 is a second schematic structural diagram of an offline payment apparatus according to a second embodiment of the present application;
fig. 5 is a third schematic structural diagram of an offline payment apparatus according to a second embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some, but not all, embodiments of the present application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Example one
An offline payment method disclosed in an embodiment of the present application is, as shown in fig. 1, the method including: step 101 to step 111.
The offline payment method disclosed in the embodiment of the application is suitable for a payment scene that both a payee and a payer are in an offline state, and is also suitable for a payment scene that the payee is in an online state. In order to facilitate readers to understand the technical problems solved by the present application, in this embodiment, a specific technical scheme of the offline payment method disclosed in the present application is illustrated by a payment scenario in which both the payee and the payer are in an offline state.
In the following embodiments, the first electronic device represents an electronic device of a payee, and the second electronic device represents an electronic device of a payer. The electronic equipment can be an intelligent mobile phone, an intelligent watch, a tablet personal computer and other electronic equipment capable of scanning information codes such as two-dimensional codes and bar codes.
In specific implementation, the payee inputs payment information, such as payment amount, through a payment client preset in the first electronic device, and then triggers an offline payment operation. And responding to the operation of initiating offline payment by a payee through the payment client, and acquiring a first private key pre-stored in the first electronic equipment.
In some embodiments of the application, before the receiving information is encrypted by a first private key stored in advance at the first electronic device in response to the operation of initiating the offline payment, and the first encrypted information is generated, the method further includes: the method comprises the steps of obtaining a first private key, a third public key and a first digital certificate through a first preset server at the first electronic device, and storing the first private key, the third public key and the first digital certificate at the first electronic device, wherein the first digital certificate comprises the first public key and a signature of the first preset server on the first public key. The first preset service end can be a digital certificate authority or a third party payment platform. For example, before performing offline payment, the payee applies for relevant authentication information required by the offline payment to the first preset server through the payment client on the first electronic device. The related authentication information required for the offline payment includes but is not limited to: public keys, private keys, digital certificates, and the like. The public key is used for analyzing data encrypted by a private key issued by the first preset server; the private key and the digital certificate are matched with the user one by one, and the private key is used for encrypting data of the user; the digital certificate is used to sign user data to identify the source of the data, and the public key typically issued to the payee or payer is included in the digital certificate. In this embodiment of the present application, the public key, the private key, and the digital certificate that are obtained by the payee through the first preset server are respectively referred to as: the first public key is contained in the first digital certificate, and the first digital certificate also comprises a signature of the first preset server on the first public key.
The first preset server also issues a first preset server public key for the payee or the payer, and the first preset server public key is used for analyzing the digital certificate issued by the first preset server. In this embodiment, the first preset server public key is referred to as a third public key.
The payment client on the first electronic device encrypts collection information input by a collection party through a first private key stored in advance to generate first encrypted information.
And then, the payment client on the first electronic equipment signs the first encrypted information through a first digital certificate prestored on the first electronic equipment, and generates an information code carrying the first encrypted information and the first digital certificate according to a preset information code generation protocol.
The information code in the embodiment of the application can be a two-dimensional code, a bar code and the like.
And then, the payment client on the first electronic equipment displays the generated first information code.
And the payer scans the first information code through second electronic equipment, and then analyzes the first information code according to the preset information code generation protocol to obtain the first encryption information and the first digital certificate carried in the first information code.
And 104, at the second electronic device, analyzing the first digital certificate through a prestored third public key to obtain a first public key.
The digital certificate includes public key information, digital certificate owner identity information (principal), and a digital signature of the digital certificate by a digital certificate authority (issuer). After the payee acquires the digital certificate of the payee (namely, the first digital certificate) through the payment client on the second electronic device, the first digital certificate is verified through a third public key (namely, a public key of a digital certificate certification authority) pre-stored on the second electronic device, and after the verification is passed, the first digital certificate is analyzed to acquire a first public key (namely, a public key of the payee). Wherein the third public key is a public key of the first digital certificate and the second digital certificate issuing authority.
In some embodiments of the application, before parsing, at the second electronic device, the first digital certificate through a prestored third public key to obtain a first public key, the method further includes: and at the second electronic device, obtaining a second private key, a third public key and a second digital certificate through the first preset server, and storing the second private key, the third public key and the second digital certificate at the second electronic device, wherein the second digital certificate comprises the second public key and a signature of the first preset server on the second public key. For example, before performing offline payment, a payer first applies for relevant authentication information required by offline payment to the first preset server through a payment client on the second electronic device. The related authentication information required for the offline payment includes but is not limited to: public keys, private keys, digital certificates, and the like. The public key is used for analyzing data encrypted by a private key issued by the first preset server; the private key and the digital certificate are matched with the user one by one, and the private key is used for encrypting data of the user; digital certificates are used to sign user data to identify the source of the data. In this embodiment of the present application, the public key, the private key, and the digital certificate that are obtained by the payer through the first preset server are respectively referred to as: the second public key is contained in the second digital certificate, and the second digital certificate also comprises a signature of the first preset server on the second public key. The payer and the payee acquire relevant authentication information required by offline payment such as a public key, a private key, a digital certificate and the like through the unified platform.
In some embodiments of the present application, when, at the second electronic device, the first digital certificate is parsed by a prestored third public key to obtain a first public key, the method further includes: in the event of failure to obtain the first public key, outputting payment failure information at the second electronic device. For example, when the third public key and the first public key are public keys issued by different platforms, the first digital certificate cannot be analyzed through the third public key, and a situation that the first public key fails to be acquired occurs, at this time, the payment client on the second electronic device outputs payment failure information at the second electronic device, and ends the currently executed offline payment.
Further, the payment client on the second electronic device analyzes the first encrypted information through the first public key to obtain the payment information. The payment information includes information such as payment amount.
And 106, in response to the confirmation operation of the acquired collection information, encrypting the collection information obtained by analysis by using a second private key stored in advance at the second electronic device to generate second encrypted information.
The payment client on the second electronic device can also obtain the identity information of the owner of the digital certificate (namely the identity information of the payee) in the process of analyzing the first digital certificate through the prestored third public key. Furthermore, the payment client on the second electronic device displays the analyzed collection information (such as payment amount) and the identity information of the collection party on the second electronic device, so that the check of the payment party is facilitated.
After verifying that the collection information, the identity information of the collection party and the like are correct, the payer can execute confirmation operation to confirm the execution of the offline payment.
In some embodiments of the application, when the payment client on the second electronic device detects that the payer confirms the collection information, the second electronic device encrypts the collection information obtained through analysis by using a second private key stored in advance on the second electronic device, so as to generate second encrypted information.
In other embodiments of the application, after the parsing, at the second electronic device, the first encrypted information through the first public key to obtain the payment information, the method further includes: and responding to the cancellation operation of the acquired collection information, and ending the offline payment. For example, after verifying the collection information, the identity information of the collection party, and the like, the payer finds that the information is inaccurate, and may perform a cancellation operation to cancel the offline payment. Or, after verifying the collection information, the identity information of the collector, and the like, the payer does not want to execute offline payment, and can execute a cancellation operation to cancel the offline payment. And when the payment client on the second electronic equipment detects the canceling operation executed by the payer, ending the offline payment.
And 107, generating a second information code at the second electronic device through a second digital certificate stored in advance and the first encryption information, and displaying the second information code.
And after the payer confirms to execute the off-line payment, the payment client on the second electronic equipment signs the first encrypted information through a second digital certificate locally stored in the second electronic equipment, and generates a second information code according to the preset information code generation protocol, wherein the second information code carries the second digital certificate and the first encrypted information. And then, the payment client on the second electronic equipment displays the second information code on the second electronic equipment.
As described above, the second information code may be a two-dimensional code, a barcode, or the like.
And the payee scans a second information code displayed on the second electronic equipment by the payer through the payment client on the first electronic equipment, then analyzes the second information code according to a preset information code generation protocol, and extracts the second digital certificate and the second encryption information carried in the second information code.
After the payee acquires the second digital certificate and the second encryption information carried in the second information code of the payer through the first electronic device, the payment client on the first electronic device analyzes the second digital certificate through a third public key (namely, a platform public key) stored on the first electronic device, and performs signature verification on the second public key included in the second digital certificate, and the second public key (namely, the public key of the payer) is acquired after the verification is successful.
And step 110, at the first electronic device, analyzing the second encrypted information through the second public key to obtain the to-be-verified collection information.
And then, the payment client on the first electronic device analyzes the second encrypted information through the second public key (namely, the public key of the payer) to obtain the to-be-verified collection information. Wherein, the information of collection to be verified may include: payment amount, etc. For example, the payment client on the first electronic device obtains the public key of the payer by parsing the second digital certificate. Further, the payment client on the first electronic device analyzes second encryption information carried in a second information code of the payer through a public key of the payer to obtain payment information, wherein the payment information at least comprises payment amount. And then, the payment information of the payment client on the first electronic equipment is confirmed by the payee.
In some embodiments of the present application, when the second digital certificate is parsed by a prestored third public key, the payer identification information may also be obtained.
In other embodiments of the present application, the second digital certificate further includes offline payment amount information, and when the second digital certificate is analyzed through a prestored third public key, the offline payment amount information of the payer may also be obtained. After the first electronic device analyzes the second encrypted information through the second public key to obtain the to-be-verified collection information, the method further includes: and displaying the offline payment limit information and the to-be-verified collection information at the first electronic equipment for verifying the payment capability. For example, the payment client on the first electronic device obtains the offline payment limit information of the payer and the public key of the payer by analyzing the second digital certificate. Further, the payment client on the first electronic device analyzes second encryption information carried in a second information code of the payer through a public key of the payer to obtain payment information, wherein the payment information at least comprises payment amount. And then, the payment client on the first electronic device can simultaneously display the offline payment amount information and the payment amount of the payer, so that the payee can confirm whether the payment amount is correct and whether the payer has the ability to pay the current offline payment amount.
The offline payment limit information (such as single maximum offline payment amount) is carried by the digital certificate of the payer, so that the payee can conveniently verify the payment capacity of the payer, the situation that the payer cannot execute subsequent settlement and the payee brings economic loss is avoided, and the reliability of offline payment is further improved.
After the payee confirms the payment information to be verified, the payment client on the first electronic device stores the second digital certificate and the second encryption information as an offline payment record on the first electronic device, so that subsequent settlement is facilitated.
According to the offline payment method disclosed by the embodiment of the application, in response to the operation of initiating the offline payment, the collection information is encrypted through the prestored first private key at the first electronic equipment, and first encryption information is generated; generating a first information code according to a first digital certificate stored in advance and the first encryption information at the first electronic equipment, and displaying the first information code; at a second electronic device, scanning the first information code to obtain the first digital certificate and the first encryption information carried in the first information code; at the second electronic equipment, analyzing the first digital certificate through a prestored third public key to obtain a first public key; at the second electronic equipment, analyzing the first encrypted information through the first public key to obtain the collection information; in response to the confirmation operation of the acquired collection information, encrypting the collection information obtained by analysis through a second private key stored in advance at the second electronic equipment to generate second encrypted information; generating a second information code by a second digital certificate stored in advance and the first encryption information at the second electronic equipment, and displaying the second information code; at the first electronic device, scanning the second information code to obtain the second digital certificate and the second encryption information carried in the second information code; at the first electronic equipment, analyzing the second digital certificate through a prestored third public key to obtain a second public key; at the first electronic equipment, analyzing the second encrypted information through the second public key to obtain the information of the collection to be verified; and responding to the confirmation operation of the to-be-verified collection information, storing the second digital certificate and the second encryption information at the first electronic equipment, and outputting offline payment success information, which is beneficial to improving the security of offline payment.
In the prior art, after a payer scans a two-dimensional code of a payee, the payee identifier and an offline payment service sub-domain carried in the two-dimensional code are used for offline mapping to obtain a public key, the mapping code is executed offline, a mapping algorithm is easily obtained through a decompilation technology, and then the whole mapping process is obtained, and a private key can also be taken, so that the offline payment safety cannot be guaranteed.
The off-line payment method disclosed by the embodiment of the application comprises the steps that a payee and a payer obtain a platform public key, a private key and a digital certificate from the same platform in advance through a client on electronic equipment, wherein the digital certificate comprises the public key issued by the platform and a signature on the public key; the other party verifies and analyzes the digital certificate of the other party through the platform public key stored in the respective electronic equipment to obtain the public key of the other party, and decrypts the encrypted information obtained by scanning the information code through the public key of the other party, thereby completing off-line payment. In the offline payment method disclosed by the embodiment of the application, the public key, the private key and the digital certificate for encrypting, decrypting and signing the transmitted payment data are obtained from the platform with the authentication qualification in advance and stored in the local electronic equipment, so that the data encryption security is higher, the data are not easy to crack, and the security of offline payment can be improved to a great extent.
Example two
The offline payment method disclosed in another embodiment of the present application is further described in detail below with reference to fig. 2 from the perspective of information interaction between the execution subjects of offline payment. As shown in fig. 2, the offline payment method includes steps 201 to 216.
In step 202, in response to the operation of initiating the offline payment, the first electronic device encrypts the payment receiving information by a pre-stored first private key to generate first encrypted information.
In some embodiments of the present application, the payment information to be verified includes a payment amount.
In other embodiments of the present application, the second digital certificate includes an offline payment amount, and when the payment client on the first electronic device parses the second digital certificate through a third public key pre-stored in the first electronic device, the offline payment amount of the payer may be obtained in addition to the second public key. In this case, the receipt to be verified information further includes an offline payment amount of the payer.
When a payee is in an online state, namely the first electronic device is in an online state, the payment client on the first electronic device uploads an offline payment record locally stored in the first electronic device to a second preset server so as to complete settlement of the offline payment record. In specific implementation, the second preset server determines the identity of the payer according to the second digital certificate in each offline payment record, acquires the public key of the payer according to the second digital certificate, decrypts the second encrypted information in the offline payment record through the public key of the payer, acquires the payment amount, and completes the settlement of each offline payment record.
In the embodiment of the present application, the first preset server and the second preset server may be the same server or different servers.
A payee and a payer acquire a platform public key, a private key and a digital certificate from the same platform in advance through a client on the electronic equipment, wherein the digital certificate comprises the public key issued by the platform and a signature on the public key; the other party performs signature verification and analysis on the digital certificate of the other party through the platform public key stored in the respective electronic equipment to obtain the public key of the other party, and the public key of the other party decrypts the encrypted information obtained by scanning the information code, thereby completing off-line payment. In the offline payment method disclosed by the embodiment of the application, the public key, the private key and the digital certificate for encrypting, decrypting and signing the transmitted payment data are obtained from the platform with the authentication qualification in advance and stored in the local electronic equipment, so that the data encryption security is higher, the data are not easy to crack, and the security of offline payment can be improved to a great extent.
Furthermore, the offline payment record is stored on the first electronic device, and then when the first electronic device is online, the stored first electronic device is uploaded to the second preset server through the first electronic device, so that offline payment record settlement can be completed, and finally, transfer of money or other resources from the payer account to the payee account is completed.
EXAMPLE III
An offline payment device disclosed in an embodiment of the present application, as shown in fig. 3, includes:
a first encrypted information generating module 301, configured to encrypt, at the first electronic device, the collection information by using a first private key stored in advance in response to an operation of initiating offline payment, so as to generate first encrypted information;
a first information code display module 302, configured to generate, at the first electronic device, a first information code according to a first digital certificate stored in advance and the first encrypted information, and display the first information code;
a first digital certificate and encrypted information obtaining module 303, configured to obtain, at a second electronic device, the first digital certificate and the first encrypted information carried in the first information code by scanning the first information code;
a first public key obtaining module 304, configured to, at the second electronic device, obtain a first public key by parsing the first digital certificate through a prestored third public key;
a collection information obtaining module 305, configured to, at the second electronic device, analyze the first encrypted information through the first public key to obtain the collection information;
a second encrypted information generating module 306, configured to encrypt, at the second electronic device, the received information obtained by analysis by using a second private key stored in advance in response to a confirmation operation on the received information, so as to generate second encrypted information;
a second information code display module 307, configured to generate, at the second electronic device, a second information code through a pre-stored second digital certificate and the first encrypted information, and display the second information code;
a second digital certificate and encrypted information obtaining module 308, configured to obtain, at the first electronic device, the second digital certificate and the second encrypted information carried in the second information code by scanning the second information code;
a second public key obtaining module 309, configured to, at the first electronic device, analyze the second digital certificate through a prestored third public key to obtain a second public key;
the collection information verification module 310 is configured to analyze the second encrypted information through the second public key at the first electronic device to obtain collection information to be verified;
an offline payment module 311, configured to, in response to the confirmation operation on the to-be-verified receipt information, store, at the first electronic device, the second digital certificate and the second encryption information as an offline payment record, and output offline payment success information.
In some embodiments of the present application, as shown in fig. 4, the apparatus further comprises:
a first payment associated information obtaining module 312, configured to, before encrypting, in response to an operation of initiating an offline payment, collection information by using a first private key stored in advance at a first electronic device to generate first encrypted information, obtain, at the first electronic device, a first private key, a third public key, and a first digital certificate by using a first preset server, and store, at the first electronic device, the first private key, the third public key, and the first digital certificate, where the first digital certificate includes the first public key and a signature of the first public key by the first preset server;
the second payment association information obtaining module 313 is configured to, at the second electronic device, obtain a second private key, a third public key, and a second digital certificate through the first preset server at the second electronic device before the first digital certificate is analyzed through a prestored third public key at the second electronic device to obtain the first public key, and store the second private key, the third public key, and the second digital certificate at the second electronic device, where the second digital certificate includes the second public key and a signature of the first preset server on the second public key.
In some embodiments of the present application, as shown in fig. 4, the apparatus further comprises:
the payment failure prompting module 314 is configured to, at the second electronic device, output payment failure information at the second electronic device when obtaining the first public key fails after the first digital certificate is analyzed by a prestored third public key to obtain the first public key.
In some embodiments of the present application, as shown in fig. 4, the apparatus further comprises:
a payment canceling module 315, configured to, at the second electronic device, analyze the first encrypted information through the first public key to obtain the payment information, and then, respond to a canceling operation of the obtained payment information to end offline payment.
In some embodiments of the present application, the second digital certificate includes offline payment amount information, as shown in fig. 4, the apparatus further includes:
and the payment capability verification module 316 is configured to, at the first electronic device, analyze the second encrypted information through the second public key to obtain to-be-verified collection information, and then display the offline payment amount information and the to-be-verified collection information at the first electronic device to perform payment capability verification.
In some embodiments of the present application, the second digital certificate includes offline payment amount information, as shown in fig. 4, the apparatus further includes:
and the offline payment settlement module 317 is configured to, in response to a confirmation operation on the to-be-verified receipt information, store the second digital certificate and the second encryption information as an offline payment record at the first electronic device, and after outputting offline payment success information, upload the stored offline payment record to a second preset server at the first electronic device, so as to complete offline payment record settlement.
The modules of the offline payment apparatus disclosed in some embodiments of the present application may all be distributed in the same electronic device, as shown in fig. 4.
In other embodiments of the present application, the modules of the offline payment apparatus may also be partially distributed on the first electronic device, and the other part is distributed on the second electronic device, as shown in fig. 5. In the offline payment apparatus shown in fig. 5, the first encrypted information generation module 301, the first information code presentation module 302, the second digital certificate and encrypted information acquisition module 308, the second public key acquisition module 309, the collection information verification module 310, the offline payment module 311, and the first payment related information acquisition module 312, the payment capability verification module 316, and the offline payment settlement module 317 are disposed at the first electronic device; the first digital certificate and encrypted information obtaining module 303, the first public key obtaining module 304, the payment information obtaining module 305, the second encrypted information generating module 306, the second information code displaying module 307, and the second payment related information obtaining module 313, the payment failure prompting module 314, and the payment cancellation module 315 are disposed at the second electronic device.
The offline payment device disclosed in the embodiment of the present application is used for implementing the offline payment method described in the first embodiment or the second embodiment of the present application, and specific implementation manners of each module of the device are not described again, and reference may be made to specific implementation manners of corresponding steps in the method embodiments.
The offline payment device disclosed in the embodiment of the application encrypts collection information through a first private key stored in advance at a first electronic device in response to an operation of initiating offline payment to generate first encrypted information; generating a first information code according to a first digital certificate stored in advance and the first encryption information at the first electronic equipment, and displaying the first information code; at a second electronic device, scanning the first information code to obtain the first digital certificate and the first encryption information carried in the first information code; at the second electronic equipment, analyzing the first digital certificate through a prestored third public key to obtain a first public key; at the second electronic equipment, analyzing the first encrypted information through the first public key to obtain the collection information; in response to the confirmation operation of the acquired collection information, encrypting the collection information obtained by analysis through a second private key stored in advance at the second electronic equipment to generate second encrypted information; generating a second information code by a second digital certificate stored in advance and the first encryption information at the second electronic equipment, and displaying the second information code; at the first electronic device, scanning the second information code to obtain the second digital certificate and the second encryption information carried in the second information code; at the first electronic equipment, analyzing the second digital certificate through a prestored third public key to obtain a second public key; at the first electronic equipment, analyzing the second encrypted information through the second public key to obtain the information of the collection to be verified; and responding to the confirmation operation of the to-be-verified collection information, storing the second digital certificate and the second encryption information at the first electronic equipment, and outputting offline payment success information, which is beneficial to improving the security of offline payment.
In the prior art, after a payer scans a two-dimensional code of a payee, the payee identifier and an offline payment service sub-domain carried in the two-dimensional code are used for offline mapping to obtain a public key, the mapping code is executed offline, a mapping algorithm is easily obtained through a decompilation technology, and then the whole mapping process is obtained, and a private key can also be taken, so that the offline payment safety cannot be guaranteed.
According to the offline payment device disclosed by the embodiment of the application, a payee and a payer acquire a platform public key, a private key and a digital certificate from the same platform in advance through a client on electronic equipment, wherein the digital certificate comprises the public key issued by the platform and a signature on the public key; the other party verifies and analyzes the digital certificate of the other party through the platform public key stored in the respective electronic equipment to obtain the public key of the other party, and decrypts the encrypted information obtained by scanning the information code through the public key of the other party, thereby completing off-line payment. In the offline payment device disclosed in the embodiment of the application, the public key, the private key and the digital certificate for encrypting, decrypting and signature verifying the transmitted payment data are obtained from the platform with the authentication qualification in advance and are stored in the local electronic equipment, so that the data encryption security is higher, the data are not easy to crack, and the security of offline payment can be improved to a great extent.
Correspondingly, the application also discloses an electronic device, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the computer program to realize the offline payment method according to the first embodiment or the second embodiment of the application. The electronic device can be a PC, a mobile terminal, a personal digital assistant, a tablet computer and the like.
The application also discloses a computer-readable storage medium, on which a computer program is stored, which when executed by a processor implements the steps of the offline payment method as described in the first or second embodiment of the application.
The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. For the device embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
The above detailed description is made on the offline payment method and apparatus provided by the present application, and a specific example is applied in the detailed description to explain the principle and the implementation of the present application, and the description of the above embodiment is only used to help understanding the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
Claims (14)
1. An offline payment method, comprising:
in response to the operation of initiating the offline payment, encrypting the payment receiving information by a first private key stored in advance at the first electronic equipment to generate first encrypted information;
generating a first information code according to a first digital certificate stored in advance and the first encryption information at the first electronic equipment, and displaying the first information code;
at a second electronic device, scanning the first information code to obtain the first digital certificate and the first encryption information carried in the first information code;
at the second electronic equipment, analyzing the first digital certificate through a prestored third public key to obtain a first public key;
at the second electronic equipment, analyzing the first encrypted information through the first public key to obtain the collection information;
in response to the confirmation operation of the acquired collection information, encrypting the collection information obtained by analysis through a second private key stored in advance at the second electronic equipment to generate second encrypted information;
generating a second information code by a second digital certificate stored in advance and the first encryption information at the second electronic equipment, and displaying the second information code;
at the first electronic device, scanning the second information code to obtain the second digital certificate and the second encryption information carried in the second information code;
at the first electronic equipment, analyzing the second digital certificate through a prestored third public key to obtain a second public key;
at the first electronic equipment, analyzing the second encrypted information through the second public key to obtain the information of the collection to be verified;
and responding to the confirmation operation of the to-be-verified collection information, storing the second digital certificate and the second encryption information as an offline payment record at the first electronic equipment, and outputting offline payment success information.
2. The method of claim 1, wherein the step of generating the first encrypted information is preceded by the step of encrypting collection information at the first electronic device with a pre-stored first private key in response to initiating the offline payment, the method further comprising:
the method comprises the steps that a first private key, a third public key and a first digital certificate are obtained through a first preset server at the first electronic device, the first private key, the third public key and the first digital certificate are stored at the first electronic device, and the first digital certificate comprises the first public key and a signature of the first preset server on the first public key;
before the step of parsing the first digital certificate through a prestored third public key to obtain a first public key, the method further includes:
and at the second electronic equipment, acquiring a second private key, a third public key and a second digital certificate through the first preset server, and storing the second private key, the third public key and the second digital certificate at the second electronic equipment, wherein the second digital certificate comprises the second public key and a signature of the first preset server on the second public key.
3. The method according to claim 2, wherein after the step of obtaining the first public key by parsing the first digital certificate through the pre-stored third public key at the second electronic device, the method further comprises:
in the event of failure to obtain the first public key, outputting payment failure information at the second electronic device.
4. The method of claim 2, wherein after the step of parsing the first encrypted information through the first public key at the second electronic device to obtain the payment information, the method further comprises:
and responding to the cancellation operation of the acquired collection information, and ending the offline payment.
5. The method of claim 2, wherein the second digital certificate includes offline payment amount information, and after the parsing, at the first electronic device, the second encrypted information through the second public key to obtain payment information to be verified, the method further includes:
and displaying the offline payment limit information and the to-be-verified collection information at the first electronic equipment for verifying the payment capability.
6. The method according to any one of claims 1 to 5, wherein, after the step of storing the second digital certificate and the second encrypted information as an offline payment record at the first electronic device in response to the confirmation operation of the receipt information to be verified, and outputting offline payment success information, further comprising:
and uploading the stored offline payment record to a second preset server at the first electronic equipment to finish off-line payment record settlement.
7. An offline payment device, comprising:
the first encrypted information generation module is used for responding to the operation of initiating the off-line payment, encrypting the collection information through a first private key stored in advance at the first electronic equipment and generating first encrypted information;
the first information code display module is used for generating a first information code according to a first digital certificate stored in advance and the first encryption information at the first electronic equipment and displaying the first information code;
a first digital certificate and encrypted information obtaining module, configured to obtain, at a second electronic device, the first digital certificate and the first encrypted information carried in the first information code by scanning the first information code;
a first public key obtaining module, configured to, at the second electronic device, obtain a first public key by analyzing the first digital certificate through a prestored third public key;
a collection information obtaining module, configured to analyze, at the second electronic device, the first encrypted information through the first public key to obtain collection information;
the second encrypted information generation module is used for responding to the confirmation operation of the acquired collection information, encrypting the collection information obtained by analysis through a second private key stored in advance at the second electronic equipment, and generating second encrypted information;
the second information code display module is used for generating a second information code through a second digital certificate stored in advance and the first encrypted information at the second electronic equipment and displaying the second information code;
a second digital certificate and encrypted information obtaining module, configured to obtain, at the first electronic device, the second digital certificate and the second encrypted information carried in the second information code by scanning the second information code;
a second public key obtaining module, configured to, at the first electronic device, analyze the second digital certificate through a prestored third public key to obtain a second public key;
the collection information verification module is used for analyzing the second encrypted information through the second public key at the first electronic equipment to obtain collection information to be verified;
and the offline payment module is used for responding to the confirmation operation of the to-be-verified collection information, storing the second digital certificate and the second encryption information as an offline payment record at the first electronic equipment, and outputting offline payment success information.
8. The apparatus of claim 7, further comprising:
the first payment associated information acquisition module is used for acquiring a first private key, a third public key and a first digital certificate through a first preset server at the first electronic equipment, and storing the first private key, the third public key and the first digital certificate at the first electronic equipment, wherein the first digital certificate comprises the first public key and a signature of the first preset server on the first public key;
before the step of parsing the first digital certificate through a prestored third public key to obtain a first public key, the method further includes:
the second payment associated information acquisition module is configured to acquire, at the second electronic device, a second private key, a third public key, and a second digital certificate through the first preset server, and store the second private key, the third public key, and the second digital certificate at the second electronic device, where the second digital certificate includes the second public key and a signature of the first preset server on the second public key.
9. The apparatus of claim 8, further comprising:
and the payment failure prompt module is used for outputting payment failure information at the second electronic equipment under the condition that the first public key is failed to be acquired.
10. The apparatus of claim 8, further comprising:
and the payment canceling module is used for responding to the canceling operation of the acquired collection information and finishing off-line payment.
11. The apparatus of claim 8, further comprising:
and the payment capability checking module is used for displaying the offline payment limit information and the to-be-checked collection information at the first electronic equipment and used for checking the payment capability.
12. The apparatus of any one of claims 7 to 11, further comprising:
and the offline payment settlement module is used for uploading the stored offline payment record to a second preset server at the first electronic equipment to finish off-line payment record settlement.
13. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the offline payment method of any one of claims 1 to 6 when executing the computer program.
14. A computer-readable storage medium, on which a computer program is stored, which program, when being executed by a processor, carries out the steps of the offline payment method of any one of claims 1 to 6.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911061324.5A CN110930147B (en) | 2019-11-01 | 2019-11-01 | Offline payment method and device, electronic equipment and computer-readable storage medium |
| PCT/CN2020/096019 WO2021082466A1 (en) | 2019-11-01 | 2020-06-15 | Offline payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911061324.5A CN110930147B (en) | 2019-11-01 | 2019-11-01 | Offline payment method and device, electronic equipment and computer-readable storage medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN110930147A CN110930147A (en) | 2020-03-27 |
| CN110930147B true CN110930147B (en) | 2021-12-03 |
Family
ID=69850190
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201911061324.5A Active CN110930147B (en) | 2019-11-01 | 2019-11-01 | Offline payment method and device, electronic equipment and computer-readable storage medium |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN110930147B (en) |
| WO (1) | WO2021082466A1 (en) |
Families Citing this family (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110930147B (en) * | 2019-11-01 | 2021-12-03 | 北京三快在线科技有限公司 | Offline payment method and device, electronic equipment and computer-readable storage medium |
| CN111461703B (en) * | 2020-03-31 | 2021-12-24 | 支付宝(杭州)信息技术有限公司 | Payment order checking method, payment order checking equipment, activation method thereof and transaction server |
| CN111768185A (en) * | 2020-09-01 | 2020-10-13 | 腾讯科技（深圳）有限公司 | Transaction data processing method, related device and storage medium |
| CN112235261B (en) * | 2020-09-26 | 2023-04-07 | 建信金融科技有限责任公司 | Message encryption and decryption method and device, electronic equipment and readable storage medium |
| CN112926960A (en) * | 2021-02-25 | 2021-06-08 | 新开普电子股份有限公司 | Double-off-line transaction method and service platform |
| CN113744421B (en) * | 2021-09-17 | 2023-05-05 | 北京智芯原动科技有限公司 | Bluetooth-based end cloud parking management system |
| WO2024040444A1 (en) * | 2022-08-23 | 2024-02-29 | 深圳市大疆创新科技有限公司 | Data processing method and apparatus, and device, movable platform, unmanned aerial vehicle, storage medium and program product |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105205664A (en) * | 2015-09-25 | 2015-12-30 | 中城智慧科技有限公司 | Novel offline payment method |
| CN105407079A (en) * | 2015-09-25 | 2016-03-16 | 中城智慧科技有限公司 | Novel terminal safety soft secret key management method |
| CN106452756A (en) * | 2016-11-08 | 2017-02-22 | 王栋 | Construction verification method and device capable of verifying security two-dimensional code offline |
| CN108090761A (en) * | 2017-11-10 | 2018-05-29 | 杭州云象网络技术有限公司 | Block chain token method of payment based on credible two-dimension code |
| CN109495445A (en) * | 2018-09-30 | 2019-03-19 | 青岛海尔科技有限公司 | Identity identifying method, device, terminal, server and medium based on Internet of Things |
| CN109547208A (en) * | 2018-11-16 | 2019-03-29 | 交通银行股份有限公司 | Electronic Finance equipment master key online distribution method and system |
| CN110163598A (en) * | 2019-05-24 | 2019-08-23 | 广东飞企互联科技股份有限公司 | Mobile offline electronic payment method and mobile offline electronic payment system |
| CN110365472A (en) * | 2019-05-30 | 2019-10-22 | 如般量子科技有限公司 | Quantum communications service station digital signature method based on unsymmetrical key pond pair, system |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20110004539A1 (en) * | 2009-05-27 | 2011-01-06 | Jesper Rorbye Angelo | Method to enable secure anonymous offline electronic value exchange based on zero knowledge proof, blind signature schemes and double signed exchange history |
| US20230196328A1 (en) * | 2013-02-14 | 2023-06-22 | Advanced New Technologies Co., Ltd. | Data interaction method and device, and offline credit payment method and device |
| CN106469370A (en) * | 2016-09-19 | 2017-03-01 | 天地融科技股份有限公司 | A kind of method of commerce, system and electronic signature equipment |
| CN109493016B (en) * | 2018-10-24 | 2022-09-16 | 中国人民银行数字货币研究所 | Offline payment method, terminal and agent releasing equipment based on digital currency |
| CN110930147B (en) * | 2019-11-01 | 2021-12-03 | 北京三快在线科技有限公司 | Offline payment method and device, electronic equipment and computer-readable storage medium |
-
2019
- 2019-11-01 CN CN201911061324.5A patent/CN110930147B/en active Active
-
2020
- 2020-06-15 WO PCT/CN2020/096019 patent/WO2021082466A1/en active Application Filing
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105205664A (en) * | 2015-09-25 | 2015-12-30 | 中城智慧科技有限公司 | Novel offline payment method |
| CN105407079A (en) * | 2015-09-25 | 2016-03-16 | 中城智慧科技有限公司 | Novel terminal safety soft secret key management method |
| CN106452756A (en) * | 2016-11-08 | 2017-02-22 | 王栋 | Construction verification method and device capable of verifying security two-dimensional code offline |
| CN108090761A (en) * | 2017-11-10 | 2018-05-29 | 杭州云象网络技术有限公司 | Block chain token method of payment based on credible two-dimension code |
| CN109495445A (en) * | 2018-09-30 | 2019-03-19 | 青岛海尔科技有限公司 | Identity identifying method, device, terminal, server and medium based on Internet of Things |
| CN109547208A (en) * | 2018-11-16 | 2019-03-29 | 交通银行股份有限公司 | Electronic Finance equipment master key online distribution method and system |
| CN110163598A (en) * | 2019-05-24 | 2019-08-23 | 广东飞企互联科技股份有限公司 | Mobile offline electronic payment method and mobile offline electronic payment system |
| CN110365472A (en) * | 2019-05-30 | 2019-10-22 | 如般量子科技有限公司 | Quantum communications service station digital signature method based on unsymmetrical key pond pair, system |
Non-Patent Citations (1)
| Title |
|---|
| 基于离线支付的羊城通二维码技术研究;谢振东 等;《科技创新与应用》;20190806;第32～34页 * |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2021082466A1 (en) | 2021-05-06 |
| CN110930147A (en) | 2020-03-27 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110930147B (en) | Offline payment method and device, electronic equipment and computer-readable storage medium | |
| EP3343831B1 (en) | Identity authentication method and apparatus | |
| CN103095662B (en) | A kind of online transaction safety certifying method and online transaction security certification system | |
| CN106575416B (en) | System and method for authenticating a client to a device | |
| US11108558B2 (en) | Authentication and fraud prevention architecture | |
| CN101222333B (en) | Data transaction processing method and apparatus | |
| CN105515783B (en) | Identity identifying method, server and certification terminal | |
| CN101527633B (en) | Method for intelligent key devices to obtain digital certificates | |
| US20200342439A1 (en) | Method, client device and pos terminal for offline transaction | |
| CN103067402B (en) | The generation method and system of digital certificate | |
| CN112953970B (en) | Identity authentication method and identity authentication system | |
| CN108764848B (en) | Electronic contract signing method and system | |
| US20210209582A1 (en) | Virtual smart card for banking and payments | |
| CN105049945B (en) | A kind of safety payment system and method based on smart television multi-screen interactive | |
| CN110535648A (en) | Electronic certificate is generated and verified and key controlling method, device, system and medium | |
| CN202771476U (en) | Security certification system | |
| CN103617531A (en) | Safety payment method and device based on credible two-dimension code | |
| CN103888255A (en) | Identity authentication method, device and system | |
| CN102801724A (en) | Identity authentication method combining graphic image with dynamic password | |
| CN104820944A (en) | Method and system for bank self-service terminal authentication, and device | |
| CN104464117A (en) | Automatic tell machine money withdrawing method and system based on dynamic two-dimensional code | |
| CN105184557B (en) | Payment authentication method and system | |
| CN111126533B (en) | Identity authentication method and device based on dynamic password and dynamic token | |
| JP2015537399A (en) | Application system for mobile payment and method for providing and using mobile payment means | |
| CN105591745A (en) | Method and system for performing identity authentication on user using third-party application |
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 |