A method for secure authentication of payment based on two-dimensional codes

Abstract

The present invention discloses a method for secure authentication of payment based on two-dimensional codes. The payment procedures comprise firstly accessingto the cell phone cloud, certifying the QR code on the phone, comparing and checking at that cloud end of the QR code, determining the accuracy of a two-dimensional code, returning the authorization information after checking the QR code information at the mobile phone cloud end, after the authorization information and the token information, enabling the checking of information to ensure the security of QR code, and then encrypting the two-dimensional code, wherein the 2D code encryption display is based on symmetric algorithm and asymmetric algorithm. This encryption improves the security of QR codes, after the display is encryptedby a two-dimensional code, the mobile phone sweeps the two-dimensional code on the POS machine or the two-dimensional code on the POS machine, positive scanning and negative scanning make the two-dimensional code on the POS machine and mobile phone become a card system, which is convenient to use and improves the security. After scanning the two-dimensional code on the mobile phone or the two-dimensional code on the POS machine, the POS machine accesses the background for online authentication of consumption or local credit.

Description

technical field [0001] The invention relates to a security authentication method, in particular to a payment security authentication method based on a two-dimensional code, and belongs to the technical field of network payment applications. Background technique [0002] With the rapid development of technology, QR code payment is a new generation of wireless payment solution based on the account system. Under this payment scheme, merchants can compile transaction information such as account numbers and commodity prices into a QR code, and print it on various newspapers, magazines, advertisements, books and other media for publication. Users can scan the QR code through the mobile client , the payment and settlement with the merchant’s Alipay account can be realized. Finally, according to the user's receipt and contact information in the payment transaction information, the merchant can deliver the product and complete the transaction. At the same time, because many QR code...

AI Technical Summary

Problems solved by technology

[0003] However, there are many deficiencies in the traditional two-dimensional code payment. For example, there are great security risks in the traditional two-dimensional code payment. Code payment was stolen by others

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