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Off-line bar code payment method based on dynamic token

An offline payment and dynamic token technology, applied in the payment system, payment system structure, instruments, etc., can solve problems such as offline barcode expiration, offline payment barcode validity period is short, payment failure, etc., to achieve long offline time and improved security , high safety effect

Pending Publication Date: 2021-02-12
TIANYI ELECTRONICS COMMERCE
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] 2. User experience issues with scanning codes for offline payment
Due to regulatory and risk control requirements, the validity period of the existing offline payment barcodes is short. As a result, in areas with poor network conditions, such as high-density telecom canteens, when scanning codes, due to short-term login to Yipay authentication , the offline barcode expires and the payment fails

Method used

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  • Off-line bar code payment method based on dynamic token
  • Off-line bar code payment method based on dynamic token

Examples

Experimental program
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Embodiment 1

[0061] like Figure 1-2 As shown, the present invention provides a method for offline payment barcode based on dynamic token, which is characterized by comprising the following steps:

[0062] 1. Payment account tokenization steps

[0063] S1. The client initiates a request, and the load balancing server allocates the corresponding account token authorization server to the corresponding account token authorization server to process the request according to the login ID ID of the payment account mod n;

[0064] S2. The token authorization server queries the length of the current idle token authorization circular list. If the length is greater than 1, it will be processed. If the length is equal to 1, the request will fail, and the Load Balancer will allocate it to the ID flow / wing payment account mod n+1 server execution;

[0065] S3. The account token authorization server processes the requests in turn, records the account, uuid, generates the seed, writes the current time +...

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Abstract

The invention discloses an off-line bar code payment method based on a dynamic token, and provides a strong-security off-line bar code method which has a strong random number and fits an actual commercial scene through a dynamic token-based payment marking mode, so as to deal with the faced risk fraud problem, and the convenient bar code payment experience can still be provided under the conditionthat the network is unstable. The security is high, and the security is greatly improved as compared with the previous method of automatically extracting and trading after the issued valid string code is cracked, the scheme needs to have algorithm protection and an encrypted random seed value, and the safety is greatly improved; the offline time is long; theoretically infinite seeds are generatedon the basis of the seeds; no sensitive information leakage risk exists, a payment marking scheme is adopted, sensitive information plaintexts such as accounts do not exist in bar codes, and the sensitive information leakage problem does not exist; and parallel processing and rapid expansion are supported.

Description

technical field [0001] The invention relates to the technical field of mobile Internet barcode payment data encryption, in particular to a method for offline payment barcodes based on dynamic tokens. Background technique [0002] Barcode payment is a fast and safe on-site payment solution provided by banks and payment institutions for offline entity merchants. There is no need to install a POS machine, directly through the existing cash register system or mobile phone, scan the barcode or QR code on the user's mobile phone to initiate the cash register to the user. When shopping in a store, you can complete the payment by scanning the barcode on your mobile phone. This application scenario in life is gradually increasing. [0003] Barcode payment is divided into payment scanning and payment scanning. Receipt scanning code means that the payee completes the payment by reading the barcode displayed on the payer's mobile terminal. Payment scanning means that the payer comple...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/36G06Q20/38
CPCG06Q20/3274G06Q20/3276G06Q20/367G06Q20/3827
Inventor 刘剑群于传富吴朝亮严永峰刘奇彭大祥王佳伟刘骁睿
Owner TIANYI ELECTRONICS COMMERCE
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