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An electronic bill generating method for mobile payment

A technology of mobile payment and electronic receipt, which is applied in the field of mobile payment, can solve the problems of being intercepted and electronic vouchers are easy to be copied, and achieves the effects of small data volume, timely and reliable information collection, and saving bandwidth and storage space

Inactive Publication Date: 2012-09-12
瑞达信息安全产业股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the possible risk of electronic certificates is that they are easy to be copied or intercepted during transmission
In this case, a user who does not have a sales contract relationship with the merchant may pick up the goods or request after-sales service, etc.

Method used

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  • An electronic bill generating method for mobile payment
  • An electronic bill generating method for mobile payment
  • An electronic bill generating method for mobile payment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0040] Example 1: Such as figure 1 , 2 As shown, it is an electronic bill generation method for mobile payment of the present invention, comprising the following steps:

[0041] A1. The end user selects goods or services: log in to the shopping website through the terminal, select the goods or services to be purchased, and send the shopping information to the merchant through the network;

[0042] A2. Merchants generate and send orders: generate orders based on end user shopping information and sign the order, and then send the order to the mobile payment platform;

[0043] A3. The mobile payment platform confirms the order: after signing the merchant's order, the order information is returned to the end user;

[0044] A4. End user confirmation: Confirm the relevant order information and enter the payment information PIN of the bank card, sign the order and send the order to the mobile payment platform;

[0045] A5. Mobile payment platform submits the order: submit the o...

Embodiment 2

[0049] Example 2: Such as image 3 As shown, it is a flow chart of generating electronic bill signatures in the remote mobile payment process of the present invention. In the remote payment process, users, merchants and account opening banks need to sign electronic bills respectively to prevent repudiation and deception. The following takes a merchant as an example to illustrate the generation process of a mobile payment electronic bill signature.

[0050] A bill signature method for an electronic bill generation method for mobile payment according to the present invention, this embodiment is a method for merchants to sign on bills, the steps are:

[0051] B1. Obtain the original text M of the electronic bill information;

[0052] B2. Perform hash operation on the original text: select the hash algorithm H, and perform hash operation on the original text to obtain the hash value H(M);

[0053] B3. Signature: Select the signature function S, and use the private key to encry...

Embodiment 3

[0055] Example 3: Such as Figure 4 As shown, it is a flow chart of electronic bill signature verification in the remote mobile payment process of the present invention.

[0056] A method for verifying an electronic bill signature generated by a bill generating method for mobile payment according to the present invention comprises the following steps:

[0057] C1. Decompose the signature data packet: decompose the signature data packet into the original text M of the electronic bill information, the hash algorithm H and the signature result S(H(M));

[0058] C2. Perform hash operation on the original text: use the hash algorithm H in the signature data packet to perform hash operation to obtain H1(M);

[0059] C3. Obtain and verify the merchant's digital certificate: obtain the signed digital certificate and verify the validity of the digital certificate;

[0060] C4. Obtain the merchant's public key from the digital certificate;

[0061] C5. Calculate the verification fu...

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Abstract

The invention relates to an electronic bill generating method for mobile payment. The method comprises the steps of commodity or service selection, merchant generation and order sending by terminal users, order confirming and submitting by the mobile payment platform, order confirming by terminal users, and withholding, signature, and order return by the card-offering bank, and the bill generation and sending by the mobile payment platform. The method has the advantages (1) that electronic bill is authentic, searchable, generated instantly and achieved easily, (2) that the information, stored in the tax management system in real time, is acquired promptly, reliably and accurately, (3) that little data volume and short transmission time economize the bandwidth and storage space, and reduce the time of tax declaration and tax checking and the fee of network communication, (4) that taxpaying is performed electronically and automatically via paperless network so that the steps thereof is simplified and the cost of tax management is reduced, (5) that the method may be combined with state tax management system and bank settlement system so as to connect the group of taxpayer, tax bureau, customs and bank via telecommunication network, thereby accomplishing the modernization of tax control and management.

Description

technical field [0001] The invention relates to an electronic bill generation method for mobile payment, belonging to the technical field of mobile payment. Background technique [0002] Traditional payment methods can no longer satisfy users' pursuit of a more convenient and fast lifestyle, so mobile payment has emerged as the times require. During the transaction process, bills need to be generated as transaction vouchers. Existing paper bills have many defects, such as waste of paper, It is easy to be counterfeited and imitated, easy to wear, etc., and it is impossible to issue paper bills during remote payment. These constraints make it necessary to apply a new form of bills in the field of mobile payment, that is, electronic bills, so as to prevent fraud in the transaction process. Anti-counterfeiting and security and confidentiality of transaction data. [0003] As a transaction certificate, electronic bills are mainly to constrain users. In traditional entry payment...

Claims

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Application Information

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IPC IPC(8): G06Q30/04G06Q20/38
Inventor 刘毅韩勇桥余发江余维伟吴峥
Owner 瑞达信息安全产业股份有限公司
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