A kind of offline payment method and system based on TOTP algorithm

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...

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