On-site payment system and method implemented based on identity authentication token
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An identity authentication and token technology, applied in the payment system, payment system structure, user identity/authority verification, etc., can solve problems such as small cost, achieve the effect of ensuring security and legality, improving payment experience, and reducing hardware costs
Inactive Publication Date: 2014-06-25
徐永君
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[0004] For more small merchants, new access
Method used
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Embodiment 1
[0018] The QR code used in this method is implemented based on the open standard QR code standard. The implemented algorithm supports QR codes with 29*29 code elements, the error correction level is M, supports up to 42 characters, and is based on 192*64 points The corresponding QR code is displayed on the LCD screen of the array.
[0019] Such as figure 1 and figure 2 Shown:
[0020] This embodiment provides an on-site payment system based on an identity authentication token, including an identity authentication token 101, a merchant payment client 102 and a transaction server 103;
[0021] The anti-counterfeiting token 101 is used to generate a transaction code containing transaction data and authentication data through an encryption algorithm and its parameters according to the amount input by the consumer when an on-site payment transaction occurs, and convert the transaction code into a QR code for display On the liquid crystal screen; wherein, the anti-counterfeit to...
Embodiment 2
[0037] This embodiment provides an on-site payment method based on an identity authentication token, including the following steps:
[0038] The merchant connects to the server through the payment client software and requests a transaction serial number of at least 10 digits;
[0039] The merchant informs the consumer of the serial number, and the consumer enters the last 6 digits of the serial number and the amount to be paid into the identity authentication token held by him, and presses the confirmation button;
[0040] After the confirmation button is pressed, the identity authentication token calculates the authentication code based on the current time, the input amount, and the transaction serial number, and combines the user ID, amount, transaction serial number, and authentication code into a transaction code;
[0041] The identity authentication token converts the transaction code into a two-dimensional code, which is displayed on the LCD screen for 1 minute, and the ...
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Abstract
The invention discloses an on-site payment system and method implemented based on an identity authentication token. The on-site payment system comprises identity authentication token hardware, a commercial tenant client program and a transaction server. During an on-site transaction, a consumer inputs amount of money and other information through keys on an identity authentication token and presses down an enter key, and a sequence of transaction codes are calculated according to a secret key, an algorithm and required parameters set in the token and are converted into two-dimension codes to be displayed on a liquid crystal display screen; a commercial tenant scans the two-dimension codes with terminals such as a mobile phone where a payment client program is installed, and transaction codes obtained after the two-dimension codes are decoded are uploaded to a transaction server; the transaction server receives the transaction codes, and transaction data and authentication data are obtained through analysis; whether the transaction data are legal and valid or not can be recognized according to the authentication data, and corresponding transaction operations such as account transfer are executed if the transaction data are valid. According to the on-site payment system and method implemented based on the identity authentication token, transaction safety is ensured through the identity authentication token, the transaction data are transmitted through the two-dimension codes, the commercial tenant can scan the two-dimension codes with the mobile phone, the complexity of the cash-free transaction mode is reduced, user experience is improved, and the transaction cost is reduced.
Description
technical field [0001] The invention relates to the technical field of on-site payment, in particular to a payment system and method including identity authentication technology and two-dimensional code transfer data. Background technique [0002] The current non-cash on-site payment method mainly uses bank magnetic stripe cards for consumers, and realizes consumption by swiping cards at merchants through sales terminal POS machines. [0003] Due to the lack of security of the magnetic stripe card itself, the banking industry has issued more and more chip cards, but supporting chip cards requires multiple POS machines to be upgraded and requires additional costs. [0004] For more small merchants, new access to existing POS machines is also a considerable cost. Contents of the invention [0005] In order to solve the above problems, the present invention provides a system and method for on-site payment based on an identity authentication token, which provides transactio...
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