Off-line dynamic QR code generation method, and payment method and device

A dynamic two-dimensional code and device generation technology, applied in the field of two-dimensional code payment, to achieve the effect of reducing online processes, shortening network interaction time, and reducing transaction processes and steps

Inactive Publication Date: 2017-09-19
DYNAMICODE
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In addition, the dynamic password is a one...

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  • Off-line dynamic QR code generation method, and payment method and device
  • Off-line dynamic QR code generation method, and payment method and device
  • Off-line dynamic QR code generation method, and payment method and device

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Embodiment Construction

[0037] In order to make the technical means, creative features, goals and effects achieved by the present invention easy to understand, the present invention will be further described below in conjunction with specific illustrations.

[0038] In view of the dynamic token based on the time synchronization mechanism, this solution adopts the time-based dynamic password token technology, based on the token seed key, time factor and combined with the corresponding transaction information (such as merchant number, equipment serial number, transaction amount information, etc.) Carry out encryption calculations, calculate the dynamic password of this transaction, and form a dynamic two-dimensional code pattern (that is, a dynamic two-dimensional code order) accordingly. The dynamic two-dimensional code pattern contains transaction amount information and other relevant information of this transaction, as The payment bill of this transaction can be processed directly after being scanned...

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Abstract

The invention discloses an off-line dynamic QR code generation method, and a payment method and device. For the scheme of the off-line dynamic QR code generation method, a dynamic password token technology based on time is used to perform encrypted operation to calculate the dynamic keyword of this time, according to a token seed key and a time factor, by means of combination with the transaction information containing the transaction amount, and a dynamic QR code pattern is generated according to the dynamic keyword of this time. The scheme applies to the dynamic password token technology to the dynamic QR code generation technology, thus being able to preferably solving the problem that a static QR code cannot realize one code for one time. Besides, in the scheme, the dynamic token and a certificate server are synchronous in time and are consistent in the algorithm, thus not depending on on-line and using the off-line mode to guarantee that the generated QR code data can be identified and authenticated by the background. And at the same time, the advantages of off-line are reduction of the on-line flow, reduction of network interaction time, reduction of transaction flow and steps, and improvement of transaction efficiency.

Description

technical field [0001] The invention relates to a network payment technology, in particular to a two-dimensional code payment technology. Background technique [0002] Two-dimensional code payment technology is an increasingly popular payment method. Consumers can scan the two-dimensional code provided by the merchant through mobile APP and other application software to complete the payment. However, the QR codes currently used by most merchants are static QR codes, which are printed on various paper carriers and posted on the counters, desktops, and windows of the store, commonly known as QR code stickers. The QR code on this kind of sticker is static and easy to be maliciously replaced and altered, which poses a great security risk. Moreover, this QR code is only a merchant link and does not include the amount of each order payment. Convenience and safety. [0003] Based on the above reasons, there is an urgent need for a dynamic two-dimensional code solution, which is u...

Claims

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Application Information

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IPC IPC(8): G06Q20/38H04L9/08H04L9/32
CPCG06Q20/3829H04L9/0863H04L9/3213
Inventor 沈勇坚胡永刚王翔平
Owner DYNAMICODE
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