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Off-line payment method and system based on TOTP algorithm

An offline payment and algorithm technology, applied in the computer field, can solve problems such as the inability to complete scan code payment and the inability to obtain payment QR codes in real time

Active Publication Date: 2018-03-20
九派天下支付有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, due to the different network status of mobile devices held by different consumers, in some remote or urban underground supermarket offline payment scenarios, consumers often cannot obtain the payment QR code in real time due to network signal problems ; Therefore, even if the merchant supports scan code payment, due to the consumer's network problem, the scan code payment cannot be completed in the end

Method used

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  • Off-line payment method and system based on TOTP algorithm
  • Off-line payment method and system based on TOTP algorithm
  • Off-line payment method and system based on TOTP algorithm

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0099] According to an embodiment of the present invention, a TOTP algorithm-based offline payment method is provided, wherein the client and the first server pre-agreed on a shared key, such as figure 1 shown, including:

[0100] Step 101: The client generates a dynamic verification code every preset time interval according to its own payment key, the unique device identifier of its own device, and the first current time as the current dynamic verification code. According to the current dynamic verification code, its own The stored user ID and shared key generate an offline payment code, and send the offline payment code to the first server through the merchant;

[0101] Step 102: The first server derives the user ID according to the offline payment code and the shared key, and obtains the corresponding payment key and unique device ID according to the derived user ID;

[0102] Step 103: The first server verifies whether the received offline payment code is correct according...

Embodiment 2

[0141] According to an embodiment of the present invention, an offline payment system based on TOTP algorithm is provided, such as Figure 4 shown, including:

[0142] The client 200 and the first server 300; and the client 200 and the first server 300 pre-agreed on a shared key;

[0143] Wherein, the client 200 includes:

[0144] The first generation module 201 is used to generate a dynamic verification code according to the payment key stored in the client 200, the unique device identifier of the device and the first current time at a preset time interval and use it as the current dynamic verification code;

[0145] The second generation module 202 is used to generate the offline payment code according to the current dynamic verification code generated by the first generation module 201, the user identification and the shared key stored in the client 200;

[0146] The first sending module 203 is used to send the offline payment code generated by the second generating modul...

Embodiment approach

[0155] According to an embodiment of the present invention, the system further includes: a second server and a third server;

[0156] Correspondingly, the client 200 further includes: a third generating module and a first saving module;

[0157] The first receiving module 204 is also used to receive the login information submitted by the user before the first generating module 201 generates the current dynamic verification code;

[0158] A third generating module, configured to generate a payment key acquisition request according to the login information received by the first receiving module 204;

[0159] The first sending module 203 is further configured to send the payment key acquisition request generated by the third generating module to the second server;

[0160] The first receiving module 204 is also configured to receive the payment key ciphertext and user identification ciphertext returned by the second server;

[0161] The first saving module is used to save the pay...

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Abstract

The invention discloses an off-line payment method and system based on a TOTP (Time-based One-time Password) algorithm, and belongs to the technical field of computers. The off-line payment method andsystem based on a TOTP algorithm includes the steps: a client generates a dynamic verification code according to the self-stored payment key, the unique equipment identifier of the equipment and thefirst current time every preset time interval, takes the dynamic verification code as the current dynamic verification code, generates an off-line payment code according to the current dynamic verification code, the user identifier and the shared key, and sends the off-line payment code to a first server through a merchant; the first server derives the user identifier according to the off-line payment code and the shared key, and acquires the corresponding payment key, the unique equipment identifier and the account identifier according to the user identifier, and verifies whether the off-linepayment code is correct according to the second current time, the obtained payment key and the obtained unique equipment identifier; if the off-line payment code is correct, according to the accountidentifier, payment is completed through a payment platform and payment success information is returned to the client and the merchant, and over; and if the off-line payment code is not correct, payment failure information is returned to the client and the merchant, and over.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to an offline payment method and system based on TOTP algorithm. Background technique [0002] With the rapid development of mobile payment, QR code barcode payment has become more and more common. Usually, the consumer displays the payment QR code in his mobile device to the merchant. After the merchant obtains the consumer's QR code and recognizes it through a code scanner, the payment can be completed. The whole operation is simple, efficient and safe. However, due to the different network status of mobile devices held by different consumers, in some remote or urban underground supermarket offline payment scenarios, consumers often cannot obtain the payment QR code in real time due to network signal problems ; Therefore, even if the merchant supports scan code payment, due to the consumer's network problem, the scan code payment cannot be completed in the end. Conten...

Claims

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Application Information

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IPC IPC(8): G06Q20/16G06Q20/22G06Q20/38G06Q20/40H04L9/08
CPCG06Q20/16G06Q20/22G06Q20/3829G06Q20/401H04L9/0861
Inventor 吕彦鹏孙安李高虎
Owner 九派天下支付有限公司
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