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Transaction code generation terminal, transaction code scanning terminal and transaction code generation and transaction method

A transaction code and terminal technology, which is applied in the direction of payment involving neutral parties, agreement authorization, data processing applications, etc., can solve problems such as low security of two-dimensional codes, low user experience satisfaction, and payment risks in transactions, and achieve improvement Satisfaction, risk and safety hazard reduction effects

Pending Publication Date: 2017-09-22
NATIONZ TECH INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The invention provides a transaction code generation and scanning terminal, transaction code generation and transaction method to solve the problem that the existing two-dimensional code used for payment has low security, which leads to payment risk in the transaction, and can only be used for small payment, and the user experience The problem of low satisfaction

Method used

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  • Transaction code generation terminal, transaction code scanning terminal and transaction code generation and transaction method
  • Transaction code generation terminal, transaction code scanning terminal and transaction code generation and transaction method
  • Transaction code generation terminal, transaction code scanning terminal and transaction code generation and transaction method

Examples

Experimental program
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Embodiment 1

[0058] For the mobile trading system provided in this embodiment, see figure 1 As shown, it includes at least a transaction code generation terminal 1, a transaction code scanning terminal 2, and a third-party payment platform 3 corresponding to a trusted third party, wherein the transaction code generation terminal 1 and the transaction code scanning terminal 2 are respectively provided with The first security module and the second security module obtained, both of which are financial-level security management hardware chips; the first security module and the second security module can be used to digitally sign the transaction request during the transaction process, only The third-party payment platform 3 can carry out the subsequent transaction process only after the digital signature authentication of both parties is passed, so that the two-dimensional code payment has both the security of POS payment and the convenience of mobile two-dimensional code payment. The structure...

no. 2 example

[0092] In this embodiment, description is made by taking an example in which the terminals of both parties to the transaction are respectively a merchant terminal and a customer terminal.

[0093] In this embodiment, a trusted security module issued by a trusted third party (that is, the second security module or the first security module) is built into the merchant terminal to realize the security function of the acceptance terminal, so that the merchant terminal is equivalent to a safe mobile payment acceptance The terminal is used, and a trusted security module issued by a trusted third party (ie, the first security module or the second security module) is built in the client terminal to realize the security function of the payment card, so that the client terminal is equivalent to various mobile payment cards , such as bank cards, etc. Different from the traditional POS card swiping method, this embodiment directly conducts safe mobile payment "swiping card" through the QR...

no. 3 example

[0128] It should be understood that in practical applications, the transaction QR code can be generated through the terminal of the payer, or the QR code can be generated through the terminal of the payee, please refer to Figure 4 , the transaction code generation method in this embodiment includes:

[0129] S401: Obtain first transaction information, and send the obtained first transaction information to the first security module of the transaction code generation terminal.

[0130] In this step, the first transaction information includes at least the first transaction account number of the transaction code generation terminal, and the first security module is a first hardware security module obtained from a trusted third party, which stores the first key; it can also store the transaction The transaction account information corresponding to the user of the code generation terminal 1.

[0131] It should be understood that when obtaining the first transaction information, a ...

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Abstract

The invention provides a transaction code generation terminal, a transaction code scanning terminal and a transaction code generation and transaction method. According to the method, security modules acquired from a credible third party are arranged on at least one of the transaction code generation terminal and the transaction code scanning terminal, wherein all the arranged security modules are financial security management hardware chips; and in a transaction process, digital signing can be performed on a transaction request through the security modules, and a subsequent transaction processing process cannot be performed unless a payment platform corresponding to the credible third party authenticates corresponding digital signatures. That is to say, both parties in a transaction utilize the security chips to perform digital signing, so that two-dimensional code payment has the security of POS payment and the convenience of mobile two-dimensional code payment at the same time, the risk and the potential safety hazard in the transaction process are lowered as much as possible, and the satisfaction of user experience is improved.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a transaction code generation and scanning terminal, transaction code generation and transaction method. Background technique [0002] The current smart mobile devices (such as smart phones, etc.) already have various online / offline payment functions, such as WeChat, Alipay, etc., realize mobile payment by scanning QR codes, and people can directly pay in convenience stores, public services, chain shopping malls, etc. The venue completes the transaction payment by scanning the QR code. Although the two-dimensional code is very convenient to use, because the authenticity of the ordinary two-dimensional code cannot be guaranteed, it is easy to forge and be faked, and the user cannot identify the authenticity of the content of the two-dimensional code or the identity information of the publisher, making it difficult to use mobile phones. Scanning QR codes has become a high-risk action...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38G06Q20/40G06Q20/02G06Q20/08G06Q20/32
CPCG06Q20/023G06Q20/0855G06Q20/3274G06Q20/3276G06Q20/3278G06Q20/3823G06Q20/401
Inventor 杨贤伟李美祥虞欢
Owner NATIONZ TECH INC
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