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Novel offline payment method

A new type of offline payment technology, applied in the field of mobile offline payment methods based on key authentication, can solve problems such as network payment cannot be carried out normally, and achieve the effect of preventing illegal tampering and information camouflage and ensuring legality.

Inactive Publication Date: 2015-12-30
CHINA SMARTCITY TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

On the one hand, people's habits and concepts are difficult to change. The popularity of the Internet is the basis of online payment. If there is no network connection, online payment cannot be carried out normally; Security breaches and information theft are likely to cause economic losses to customers, and users are skeptical of online payment methods

Method used

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  • Novel offline payment method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0029] [Example 1] Customer Zhang San transfers money to customer Li Si.

[0030] Such as figure 1 As shown, the payer Zhang San wants to transfer money to the payee Li Si, both of whom use the mobile phone electronic wallet client to operate. Li Si selects a random number R, signs the random number R with a private key, and generates a QR code together with transaction information, Li Si's ID information, and signature information.

[0031] Zhang San scans the QR code, maps the public key with Li Si's ID and business subdomain identifier, and uses the public key to verify Li Si's signature information. If the signature verification fails, the process ends.

[0032] If the signature verification is successful, Zhang San's mobile client will ask whether he agrees to the transfer operation. If Zhang San refuses, the process ends. If Zhang San agrees, the money will be deducted from Zhang San's account and transferred to Li Si successfully.

[0033] Zhang San signs the random ...

Embodiment 2

[0036] [Example 2] Customer Zhang San pays the merchant.

[0037] Such as figure 1 As shown in , the payer Zhang San wants to pay the merchant, both of which use the mobile phone electronic wallet client to operate. The merchant selects a random number R, signs the random number R with a private key, and generates a QR code together with transaction information, merchant ID information, and signature information.

[0038] Zhang San scans the QR code, maps the public key with the merchant ID and business subdomain identifier, and uses the public key to verify the signature information of the merchant. If the signature verification fails, the process ends.

[0039] If the signature verification is successful, Zhang San's mobile client will ask whether he agrees to the payment operation. If Zhang San refuses, the process ends. If Zhang San agrees, then Zhang San's account is successfully debited, and the merchant is successfully paid.

[0040] Zhang San signs the random number...

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Abstract

The invention discloses a novel offline payment method. The method comprises the steps that account numbers of an accountee party and a receiving party serve as IDs, and a corresponding public key and private key are mapped according to business sub-domain identifications; a random number is selected from the receiving party, signature is conducted on the random number through the private key, and a two-dimension code is generated; the two-dimension code is scanned through the accountee party, the public key is mapped by means of the receiving party ID and the service sub-domain identification, and attestation is conducted on a signing message; if attestation succeeds, the accountee party successfully pays according to transaction information; signature is conducted on the random number by the accountee party through the private key after payment to generate a two-dimension code; the receiving party scans the two-dimension code, the public key is mapped through the accountee party ID and the business sub-domain identification, and attestation is conducted on a signing message; if attestation succeeds, posting is successfully conducted on the receiving party. According to the novel offline payment method, payment does not rely on the support of a network any more, payment is achieved on various mobile equipment, and the payment process is greatly facilitated. The two-way authentication process based on the identifications is adopted by the two payment parties, the legality of transactions is fully guaranteed, and illegal manipulation of information and information disguising are prevented.

Description

technical field [0001] The invention relates to the field of e-commerce secure payment, in particular to a mobile offline payment method based on key authentication. Background technique [0002] Online payment refers to the process of currency payment and capital transfer through the public network by using e-commerce as the commercial basis, with commercial banks as the main body, and one party participating in e-commerce activities using secure electronic payment means to the other party. [0003] Online payment has the following advantages: First, online payment can better meet the needs of e-commerce development. The operating environment of network payment is based on the open Internet. Traditional payments operate in relatively closed systems, such as post offices and banks, which have great limitations. Second, convenience. Online payment is connected 24 hours a day, and consumers can make payment through the Internet anytime and anywhere. However, traditional pa...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/36G06Q20/32
CPCG06Q20/3674G06Q20/3274
Inventor 聂明
Owner CHINA SMARTCITY TECH
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