Two-dimensional code-based offline payment method

A two-dimensional code, offline technology, applied in the field of offline payment based on two-dimensional code, can solve the problems of low reliability, poor stability of bus network network, unfeasible two-dimensional code online payment mode, etc. The effect of improving the recognition rate, solving overdraft and abnormal frequency, and reducing the length of signature data

Active Publication Date: 2017-09-22
广州羊城通有限公司
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  • Abstract
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Problems solved by technology

[0003] Due to the influence of factors such as vehicle movement, electromagnetic interference, dense crowds, and the geographical location of the platform, the ne

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  • Two-dimensional code-based offline payment method

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Embodiment Construction

[0037] The embodiments of the present invention will be described in detail below with reference to the accompanying drawings. The following are only preferred embodiments of the present invention and are not intended to limit the present invention.

[0038] Such as figure 1 , Offline payment based on QR code requires system initialization first. The account issuer server uses the SM2 algorithm to generate an asymmetric key that is updated daily; the terminal server regularly updates the account issuer information list and user blacklist, account The issuer information list includes the account issuer information and the public key information of the asymmetric key; the account issuer server evaluates the user's credit, provides the user with a credit guarantee for micropayments, and the user sends the account to the account issuer server through the mobile client Apply to obtain a corresponding user certificate signed with the private key of the asymmetric key pair. The user cer...

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Abstract

The invention discloses a two-dimensional code-based offline payment method. According to the method, asymmetric keys are adopted to issue certificates, so that the identity information of users is prevented from being forged and tampered; the asymmetric keys are managed by account issuers, so that the safety rights and interests of the account issuers are ensured; a terminal can realize the support for a plurality of account issuers and keep the simplicity and invariability of programs by adoption of a dynamic public key list updating manner; and a double-time stamp mechanism is adopted, one time stamp key is controlled by terminal operators and is used for preventing replication, and the other time stamp key is controlled by the account issuers and is used for preventing the terminal operator from forging transactions.

Description

Technical field [0001] The invention relates to a two-dimensional code payment method, in particular to an offline payment method based on a two-dimensional code. Background technique [0002] With the gradual popularity of smart phones, as a mature image data encoding and recognition technology, two-dimensional codes have the advantages of low hardware requirements for mobile phones, fast recognition speed, and support for a large number of users, and they have been widely used. However, the traditional public transportation industry still stays in the way of swiping card or coin, so the citizens have put forward the demand for the application of QR code payment in the public transportation industry. [0003] Due to the influence of factors such as vehicle movement, electromagnetic interference, crowded flow, and geographical location of the platform, the public transportation vehicle network has problems of poor stability and low reliability, and the two-dimensional code online p...

Claims

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Application Information

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IPC IPC(8): G06Q20/38G06Q20/32
CPCG06Q20/3274G06Q20/3825G06Q20/3829
Inventor 谢振东苏浩伟陈欢温晓丽袁勇邹大毕陈君郭峰宋秉麟
Owner 广州羊城通有限公司
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