Payment Code Encryption Verification Method, Device, System, Equipment, Medium and Program Product

By converting character feature instructions into optical wave feature signals and authenticating them during the payment code transmission process, the problem of insufficient encryption of payment codes is solved, and higher security and anti-theft brushing capabilities are achieved.

CN114997868BActive Publication Date: 2025-07-25INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Patent Information

Application Number
CN202210683059.X
Authority / Receiving Office
CN · China
Patent Type
Patents(China)
Current Assignee / Owner
Filing Date
2022-06-15
Publication Date
2025-07-25
Estimated Expiration
2042-06-15

AI Technical Summary

Technical Problem

The existing payment code is not encrypted enough during transmission and is easily stolen, making it difficult to guarantee security.

Method used

The first terminal receives the character feature instructions from the payment center and converts them into optical wave feature signals. The second terminal is reversed into character feature instructions. The payment center performs authentication, and performs a payment process after the authentication is passed, combining the combination of the optical wave feature signals and the original payment code.

Benefits of technology

It improves the confidentiality and security of payment codes, prevents screenshots and screen recordings, and enhances the security of large-scale payment transactions and identity identification.

✦ Generated by Eureka AI based on patent content.

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Abstract

The present disclosure provides a payment code encryption verification method, which can be applied to the technical fields of financial security and related technologies. The payment code encryption verification method includes: the first terminal receives a first character feature instruction from the payment center; the first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature look-up table; the second terminal inversely converts the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature look-up table; the payment center authenticates the first character feature instruction and the received second character feature instruction based on a preset verification rule; and in the case where the authentication is passed, the second terminal executes a preset payment process based on the original payment code from the first terminal. The present disclosure also provides a payment code encryption verification device, system, equipment, storage medium and program product.
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Description

Technical Field

[0001] The present disclosure relates to the technical field of financial security and related technologies, and particularly to a payment code encryption verification method, device, system, equipment, medium, and program product. Background Art

[0002] In the existing payment scenario using a payment code (e.g., a two-dimensional code), a relevant APP in the user's terminal generates a payment code, which is recognized by the merchant using a barcode scanner, and then the payment for this transaction is completed.

[0003] In the process of implementing the concept of the present disclosure, the inventors found that there are at least the following problems in the related prior art: during the payment code payment transmission process (or display process), the payment code may have insufficient encryption or be stolen, resulting in difficulty in ensuring the security of the payment code. Summary of the Invention

[0004] In view of the above problems, the present disclosure provides a payment code encryption verification method, device, system, equipment, medium, and program product that improve the confidentiality and security of existing payment code payments.

[0005] According to a first aspect of the present disclosure, a payment code encryption verification method is provided. The method is applied to a payment code encryption verification system, which includes a first terminal, a second terminal, and a payment center, and includes: the first terminal receives a first character feature instruction from the payment center; the first terminal converts the first character feature instruction into a light wave feature signal based on a preset feature look-up table; the second terminal inversely converts the light wave feature signal from the first terminal into a second character feature instruction based on the preset feature look-up table; the payment center authenticates the first character feature instruction and the received second character feature instruction based on a preset verification rule; and in the case where the authentication passes, the second terminal executes a preset payment process based on the original payment code from the first terminal.

[0006] According to an embodiment of the present disclosure, the timing for the second terminal to receive the original payment code includes: in the case where the authentication passes, the second terminal receives the original payment code from the first terminal, or after the first terminal converts the first character feature instruction into a light wave feature signal based on a preset feature look-up table, the second terminal receives the original payment code from the first terminal.

[0007] According to an embodiment of the present disclosure, after the first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature comparison table, the second terminal receives the original payment code from the first terminal, including: the second terminal receives a combined payment code, where the combined payment code is generated by combining the original payment code and the optical wave feature signal.

[0008] According to an embodiment of the present disclosure, before the first terminal receives the first character feature instruction from the payment center, it further includes: the payment center encrypts a preset first verification information based on a preset encryption algorithm to obtain the first character feature instruction.

[0009] According to an embodiment of the present disclosure, the payment center authenticates the first character feature instruction and the received second character feature instruction based on a preset verification rule, including: parsing the second character feature instruction based on the preset encryption algorithm to obtain second verification information; verifying whether the second verification information is legal based on the preset verification rule.

[0010] According to an embodiment of the present disclosure, verifying whether the second verification information is legal based on the preset verification rule includes: verifying the consistency between the second verification information and the first verification information; and / or verifying the transaction types of the first verification information and the second verification information; and / or verifying whether the valid time of the second verification information exceeds a preset valid time.

[0011] According to an embodiment of the present disclosure, verifying whether the second verification information is legal based on the preset verification rule further includes: the payment center obtains an identification status bit corresponding to the second verification information; and determines whether the identification status bit is unused.

[0012] According to an embodiment of the present disclosure, the optical wave feature signal includes a static optical wave feature signal and a dynamic optical wave feature signal. The static optical wave feature signal includes an optical wave color and an optical wave region, and the dynamic optical wave feature signal includes an optical wave color, an optical wave region, and an optical wave blinking frequency.

[0013] According to an embodiment of the present disclosure, the second terminal inversely converts the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature comparison table, including: converting the optical wave color based on the preset feature comparison table through a preset region conversion sequence, or converting the optical wave color and the optical wave blinking frequency based on the preset feature comparison table through the preset region conversion sequence.

[0014] According to an embodiment of the present disclosure, after the second terminal reversely converts the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature comparison table, it further includes: intercepting the characters from the start bit to the end bit of the second character feature instruction to complete the update of the second character feature instruction.

[0015] A second aspect of the present disclosure provides a payment code encryption verification device, which includes: a first character feature receiving module, an optical wave encryption conversion module, an optical wave decryption conversion module, a signature verification module, and a payment code payment module. Among them, the first character feature receiving module is used for the first terminal to receive a first character feature instruction from a payment center; the optical wave encryption conversion module is used for the first terminal to convert the first character feature instruction into an optical wave feature signal based on a preset feature comparison table; the optical wave decryption conversion module is used for the second terminal to reversely convert the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature comparison table; the signature verification module is used for the payment center to authenticate the first character feature instruction and the received second character feature instruction based on a preset verification rule; and the payment code payment module is used for the second terminal to execute a preset payment process based on the original payment code from the first terminal when the authentication is passed.

[0016] According to an embodiment of the present disclosure, the timing for the second terminal to receive the original payment code includes: when the authentication is passed, the second terminal receives the original payment code from the first terminal, or after the first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature comparison table, the second terminal receives the original payment code from the first terminal.

[0017] According to an embodiment of the present disclosure, after the first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature comparison table, the second terminal receives the original payment code from the first terminal, including: the second terminal receives a combined payment code, where the combined payment code is generated by combining the original payment code and the optical wave feature signal.

[0018] According to an embodiment of the present disclosure, the device further includes a first verification information encryption module, where the first verification information encryption module is used for the payment center to encrypt preset first verification information based on a preset encryption algorithm to obtain the first character feature instruction.

[0019] According to an embodiment of the present disclosure, the signature verification module is further configured to parse the second character feature instruction based on the preset encryption algorithm to obtain second verification information; and verify whether the second verification information is legal based on a preset verification rule.

[0020] According to an embodiment of the present disclosure, verifying whether the second verification information is legal based on a preset verification rule includes: verifying the consistency between the second verification information and the first verification information; and / or verifying the transaction types of the first verification information and the second verification information; and / or verifying whether the valid time of the second verification information exceeds a preset valid time.

[0021] According to an embodiment of the present disclosure, verifying whether the second verification information is legal based on a preset verification rule further includes: obtaining an identification status bit corresponding to the second verification information by the payment center; and determining whether the identification status bit is unused.

[0022] According to an embodiment of the present disclosure, the light wave feature signal includes a static light wave feature signal and a dynamic light wave feature signal. The static light wave feature signal includes a light wave color and a light wave region, and the dynamic light wave feature signal includes a light wave color, a light wave region, and a light wave flicker frequency.

[0023] According to an embodiment of the present disclosure, the light wave decryption and conversion module is further configured to convert the light wave color based on the preset feature look-up table through a preset region conversion order, or convert the light wave color and the light wave flicker frequency based on the preset feature look-up table through the preset region conversion order.

[0024] According to an embodiment of the present disclosure, the device further includes a valid character truncation module, where the valid character truncation module is configured to truncate the characters from the start bit to the end bit of the second character feature instruction to complete the update of the second character feature instruction.

[0025] A third aspect of the present disclosure provides a payment code encryption and verification system, the system includes: a first terminal, a second terminal, and a payment center, where the first terminal is configured to receive a first character feature instruction from the payment center; the first terminal is further configured to convert the first character feature instruction into a light wave feature signal based on a preset feature look-up table; the second terminal is configured to inversely convert the light wave feature signal from the first terminal into a second character feature instruction based on the preset feature look-up table; the payment center is configured to authenticate the first character feature instruction and the received second character feature instruction based on a preset authentication rule; and the second terminal is further configured to execute a preset payment process based on the original payment code from the first terminal in the case of successful authentication.

[0026] A fourth aspect of the present disclosure provides an electronic device, including: one or more processors; a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors are caused to execute the above-mentioned payment code encryption verification method.

[0027] A fifth aspect of the present disclosure further provides a computer-readable storage medium, on which executable instructions are stored, and when the instructions are executed by a processor, the processor is caused to execute the above-mentioned payment code encryption verification method.

[0028] A sixth aspect of the present disclosure further provides a computer program product, including a computer program, and when the computer program is executed by a processor, the above-mentioned payment code encryption verification method is implemented. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] Through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, the above-mentioned content and other objects, features and advantages of the present disclosure will become clearer. In the drawings:

[0030] Figure 1A FIG. schematically shows an application scenario diagram of a payment code encryption verification method, apparatus, device, medium and program product according to an embodiment of the present disclosure.

[0031] Figure 1B FIG. schematically shows a system diagram of payment code encryption verification according to an embodiment of the present disclosure.

[0032] Figure 2 FIG. schematically shows a flowchart of a payment code encryption verification method according to an embodiment of the present disclosure.

[0033] Figure 3 FIG. schematically shows a flowchart of a payment code encryption verification method according to the present disclosure.

[0034] Figure 4 FIG. schematically shows a flowchart of a payment code encryption verification method according to the present disclosure.

[0035] Figure 5 FIG. schematically shows a flowchart of a payment code encryption verification method according to the present disclosure.

[0036] Figure 6 FIG. schematically shows a combined image diagram of an optical wave characteristic signal and an original payment code according to the present disclosure.

[0037] Figure 7 FIG. schematically shows a full flowchart of a payment code encryption verification method according to the present disclosure.

[0038] Figure 8A structural block diagram of a payment code encryption verification device according to an embodiment of the present disclosure is schematically shown.

[0039] Figure 9 A block diagram of an electronic device suitable for implementing a payment code encryption verification method according to an embodiment of the present disclosure is schematically shown. Detailed implementation manners

[0040] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are merely exemplary and are not intended to limit the scope of the present disclosure. In the following detailed description, for the sake of explanation, many specific details are set forth to provide a thorough understanding of the embodiments of the present disclosure. However, obviously, one or more embodiments can also be implemented without these specific details. In addition, in the following description, descriptions of well-known structures and technologies are omitted to avoid unnecessarily confusing the concepts of the present disclosure.

[0041] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "including", "comprising", etc. used herein indicate the presence of the described features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0042] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0043] When using expressions such as "at least one of A, B, and C", generally, it should be interpreted according to the meaning commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include, but is not limited to, a system having only A, only B, only C, having A and B, having A and C, having B and C, and / or having A, B, and C).

[0044] Before revealing the present disclosure in detail, the technical terms involved in the embodiments of the present disclosure are explained one by one:

[0045] Payment code payment: It is a new generation of wireless payment solution based on an account system.

[0046] HSV model: A color model for users, focusing on color representation, such as what color, how deep, and how bright. The parameters of color in the HSV model are: hue (H), saturation (S), and value (V). It is a color space created by A.R. Smith in 1978, also known as the Hexcone Model. (1) Hue: Measured in degrees, with a value range of 0° to 360°, calculated counterclockwise starting from red, where red is 0°, green is 120°, and blue is 240°. Their complementary colors are: yellow is 60°, cyan is 180°, and magenta is 300°. (2) Saturation: Saturation S represents the degree to which a color approaches a spectral color. A color can be regarded as the result of mixing a certain spectral color with white. The larger the proportion of the spectral color, the higher the degree of approaching the spectral color, and the higher the saturation of the color. High saturation means the color is deep and vivid. The white component of the spectral color is 0, and the saturation reaches the highest. Usually, the value range is 0% to 100%, and the larger the value, the more saturated the color. (3) Value: Value represents the brightness of the color. For light source colors, the value is related to the brightness of the light-emitting body; for object colors, this value is related to the transmittance or reflectance of the object. Usually, the value range is 0% (black) to 100% (white). For example, the comparison information of different color models is shown in Table 1 below:

[0047]

[0048]

[0049] Table 1

[0050] OpenCV: Open Source Computer Vision (OpenCV), a programming library mainly for real-time computer vision, can efficiently implement computer vision algorithms, and is widely used in image stitching, image denoising, product quality inspection, human-computer interaction, face recognition, action recognition, action tracking, driverless, etc. This library is written in C++ and can be used across platforms and operating systems, supporting Windows, Linux, macOS, FreeBSD, NetBSD, OpenBSD, Android, iOS, BlackBerry, etc., and can be used for free according to the open-source BSD license. OpenCV has rich and powerful processing interfaces for color models such as HSV.

[0051] In the prior art, in the scenario of payment code payment, there is an easy risk of transaction fraud by taking screenshots or screen recordings of the payment code.

[0052] To solve the problems existing in the prior art, embodiments of the present disclosure provide a payment code encryption verification method, which is applied to a payment code encryption verification system. The payment code encryption verification system includes a first terminal, a second terminal, and a payment center, and includes: the first terminal receives a first character feature instruction from the payment center; the first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature comparison table; the second terminal inversely converts the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature comparison table; the payment center authenticates the first character feature instruction and the received second character feature instruction based on a preset verification rule; and in the case where the authentication passes, the second terminal executes a preset payment process based on the original payment code from the first terminal.

[0053] In the embodiments of the present disclosure, before or during the original payment code payment process. It is implemented after passing the authentication based on another set of encryption verification processes, which greatly improves the transaction security, avoids the transaction risks of payment code theft and fraud by screenshot or screen recording, and provides an optional solution for large-amount payment transactions of payment codes and even payment code identity recognition.

[0054] Figure 1A Schematically shows an application scenario diagram of payment code encryption verification according to an embodiment of the present disclosure.

[0055] As Figure 1A shown, the application scenario 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 is used to provide a medium for communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, etc.

[0056] Users can use the terminal devices 101, 102, 103 to interact with the server 105 through the network 104 to receive or send messages, etc. Various communication client applications may be installed on the terminal devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0057] The terminal devices 101, 102, 103 may be various electronic devices with a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, and desktop computers, etc.

[0058] Server 105 can be a server that provides various services, such as a background management server (only for example) that supports websites browsed by users using terminal devices 101, 102, and 103. The background management server can analyze and process data such as user requests received, and feedback the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal devices.

[0059] It should be understood that Figure 1A the numbers of terminal devices, networks, and servers in

[0060] Figure 1B schematically shows an application scenario diagram of payment code encryption verification according to an embodiment of the present disclosure.

[0061] As Figure 1B shown, according to this embodiment, it includes a first terminal 110, a second terminal 120, and a payment center 130.

[0062] Among them,

[0063] the first terminal 110 is configured to receive a first character feature instruction from the payment center;

[0064] the first terminal 110 is further configured to convert the first character feature instruction into an optical wave feature signal based on a preset feature comparison table;

[0065] the second terminal 120 is configured to inversely convert the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature comparison table;

[0066] the payment center 130 is configured to authenticate the first character feature instruction and the received second character feature instruction based on a preset verification rule; and

[0067] the second terminal 120 is further configured to execute a preset payment process based on the original payment code from the first terminal in the case of successful authentication.

[0068] It can be understood that only instructions (or signals) can be sent from the first terminal 110 to the second terminal 120.

[0069] The following will be based on Figure 1A the described scenario and Figure 1B the described system, and will describe the payment code encryption verification method of the disclosed embodiment in detail through Figures 2 - 8

[0070] Figure 2The flowchart of a payment code encryption verification method according to an embodiment of the present disclosure is schematically shown.

[0071] As Figure 2 shown, the payment code encryption verification method of this embodiment includes operations S210 to S250. This payment code encryption verification method can be applied to a payment code encryption verification system, which includes a first terminal, a second terminal, and a payment center.

[0072] In operation S210, the first terminal receives a first character feature instruction from the payment center.

[0073] Among them, for the first character feature instruction, it is generated by the payment center based on its own generation logic.

[0074] According to an embodiment of the present disclosure, before the first terminal receives the first character feature instruction from the payment center, it further includes: the payment center encrypts a preset first verification information based on a preset encryption algorithm to obtain the first character feature instruction.

[0075] Specifically, the payment center combines elements such as business branches, scenarios, channels, importance, merchant-customer binding relationships, etc. according to a certain algorithm as the actual meaning of the first character feature instruction, that is, the first verification information. On this basis, the above first verification information is encrypted to be updated as the first character feature instruction, where the encryption method can be public key encryption and / or private key encryption. For example, the first verification information at least includes transaction type, generation timestamp, validity period, and other business-related fields. The first character feature instruction is obtained by encrypting the first verification information, which increases the security of the first character feature instruction.

[0076] It can be understood that the above preset encryption algorithm can be any common encryption algorithm in the prior art. For example, the preset encryption algorithm can be a symmetric algorithm. It is not limited here.

[0077] In operation S220, the first terminal converts the first character feature instruction into a light wave feature signal based on a preset feature look-up table.

[0078] Specifically, the conversion of the first character feature instruction into a light wave feature signal can be achieved by means of code (in the form of apk or api) in cooperation with OpenCV to control the first terminal (such as terminal devices such as mobile phones, tablets, and self-service terminals), and convert the first character feature instruction into a light wave feature signal.

[0079] Among them, the preset feature comparison table is generated by the payment center and pre-stored in the first terminal and the second terminal. The preset feature comparison table includes comparison information of light wave features and character features, and the preset feature comparison table can be updated / maintained irregularly (or periodically).

[0080] According to an embodiment of the present disclosure, among them, the light wave feature signal includes a static light wave feature signal and a dynamic light wave feature signal. The static light wave feature signal includes light wave color and light wave region, and the dynamic light wave feature signal includes light wave color, light wave region, and light wave flicker frequency.

[0081] For example, the preset feature comparison table is shown in Table 2 below:

[0082] Optical wave characteristics Characteristics of characters Red 1 Yellow 2 Green 3 Cyan 4 Blue 5 Magenta 6 White 7 Black 8 Upper screen A Lower screen B

[0083] Table 2

[0084] It can be understood that Table 2 above schematically shows the comparison information of the light wave features in the static light wave feature signal and the character features in the first character feature instruction (or the second character feature instruction). Table 2 only includes light wave color information (i.e., red, yellow, green, cyan, blue, magenta, white, and black), and light wave region (i.e., the upper screen and the lower screen). Furthermore, the light wave feature signal generated by the conversion of the first character feature instruction is a static image, where the light wave color information and the light wave region information can be set according to specific situations. For example, the light wave color information can be classified more precisely according to color light, colorant, and HSV information. Another example is that the screen can be divided into a four-screen or an eight-screen, which will not be elaborated here.

[0085] Another example, the preset feature comparison table is shown in Table 3 below:

[0086] Meaning Transcoding Red 1 Yellow 2 Green 3 Cyan 4 Blue 5 Magenta 6 White 7 Black 8 Long A Short B Upper screen C Lower screen D

[0087] Table 3

[0088] It can be understood that the above Table 3 schematically shows the comparison information between the light wave characteristics in the dynamic light wave characteristic signal and the character characteristics in the first character characteristic instruction (which can also be the second character characteristic instruction). Table 3 includes light wave color information (i.e., red, yellow, green, cyan, blue, magenta, white, and black), light wave area (i.e., upper screen and lower screen), and light wave flashing frequency. Furthermore, the light wave characteristic signal generated by the conversion of the first character characteristic instruction is a dynamic image, where the light wave color information, light wave area information, and can be set according to specific circumstances. For example, the light wave color information can be classified more precisely according to color light, colorant, and HSV information. For another example, the screen can be divided into four screens or eight screens. For still another example, multiple different meanings can be defined for the light wave flashing frequency by the flashing duration (for example, if the flashing duration exceeds 0.3 seconds, it is the first duration; if the flashing duration is between 0.3 and 0.2 seconds, it is the second duration; if it is less than 0.2 seconds, it is the third duration).

[0089] Taking the corresponding relationship in the above Table 3 as an example, a large number of different random combinations can be generated. For example, if the first character characteristic instruction is "CB1B2B3B4B5B6B7B8D1A2A3A4A5A6A7A8A", the instruction for displaying the dynamic light wave characteristic signal correspondingly is: for the upper half screen, red, yellow, green, cyan, blue, magenta, white, black, and they are switched and displayed in the order of short respectively; for the lower half screen, red, yellow, green, cyan, blue, magenta, white, black, and different colors can be switched and displayed in the order of long or short respectively.

[0090] Of course, since the light waves in the light wave characteristic signal are divided into regions, the recognition order of different regions in the light wave characteristic signal can also be diverse. If the recognition is not carried out in the pre-agreed order, the recognized second character characteristic instruction is also incorrect.

[0091] According to an embodiment of the present disclosure, the second terminal reversely converts the light wave characteristic signal from the first terminal into a second character characteristic instruction based on the preset characteristic comparison table, including: based on the preset characteristic comparison table, converting the light wave color through a preset region conversion order, or based on the preset characteristic comparison table, converting the light wave color and the light wave flashing frequency through the preset region conversion order.

[0092] Among them, the preset region conversion order can be generated by the payment center and sent to the first terminal and the second terminal in advance, and can be updated irregularly (or periodically).

[0093] It should be noted that when the first terminal converts the first character characteristic instruction into a light wave characteristic signal, it is also based on the above preset region conversion order. Details are not described herein again.

[0094] It is understandable that the static light wave characteristic signal is different from the dynamic light wave characteristic signal. The static light wave characteristic signal is a static image, while the dynamic light wave characteristic signal is a dynamic image (due to the light wave flashing frequency). And the dynamic light wave characteristic signal is played periodically. Therefore, it is not possible to randomly intercept the dynamic light wave characteristic signal in a certain time period for conversion operation and then use it as the second character feature instruction for authentication. Therefore, it is necessary to intercept by setting the start bit and the end bit.

[0095] According to an embodiment of the present disclosure, after the second terminal reversely converts the light wave characteristic signal from the first terminal into a second character feature instruction based on the preset feature comparison table, it further includes: intercepting the characters from the start bit to the end bit of the second character feature instruction to complete the update of the second character feature instruction.

[0096] In the embodiment of the present disclosure, since the dynamic light wave instruction is dynamic, it is necessary to intercept the information between the start bit and the end bit to ensure that the obtained dynamic light wave characteristic signal is valid.

[0097] In operation S230, the second terminal reversely converts the light wave characteristic signal from the first terminal into a second character feature instruction based on the preset feature comparison table.

[0098] Specifically, the light wave characteristic signal can be decrypted through the interface of OpenCV and reversely converted according to the above preset feature comparison table to inversely deduce the second character feature instruction.

[0099] In operation S240, the payment center authenticates the first character feature instruction and the received second character feature instruction based on a preset verification rule.

[0100] Taking the dynamic light wave characteristic signal as an example, when parsing and inversely deducing through the light wave characteristic signal, a second character feature instruction "CB1B2B3B4B5B6B7B8D1A2A3A4A5A6A7A8A" is obtained.

[0101] It is understandable that based on a large number of different types of light wave characteristics in the light wave characteristic signal, corresponding to a large number of different types of character characteristics, and then through the permutation and combination of a large number of different types of character characteristics, a highly confidential character feature instruction (or key) is realized. It can play the greatest role in the 5G scenario with high network coverage and low latency.

[0102] Of course, it is also necessary to decrypt the second character feature instruction to obtain the actual information contained in the second character feature instruction, that is, the second verification information.

[0103] Figure 3A flowchart of a payment code encryption verification method according to the present disclosure is schematically shown.

[0104] As Figure 3 shown, the payment code encryption verification method of this embodiment corresponds to operation S240, and this payment code encryption verification method includes operations S310 to S320.

[0105] In operation S310, based on the preset encryption algorithm, the second character feature instruction is parsed to obtain second verification information.

[0106] In operation S320, based on a preset verification rule, it is verified whether the second verification information is legal.

[0107] Specifically, for example, the second verification information obtained by decryption includes at least a transaction type, a generation timestamp, a validity period, and other service-related fields.

[0108] Of course, there are various above-mentioned preset verification rules, which will be explained in detail below.

[0109] Figure 4 A flowchart of a payment code encryption verification method according to the present disclosure is schematically shown.

[0110] As Figure 4 shown, the payment code encryption verification method of this embodiment includes operations S410 to S430,

[0111] In operation S410, the consistency between the second verification information and the first verification information is verified.

[0112] Specifically, it is checked whether the character information of the second verification information and the first verification information is consistent.

[0113] In operation S420, the transaction types of the first verification information and the second verification information are verified.

[0114] Specifically, different transaction types correspond to different transaction rules. It is verified whether this verification type can be implemented through the payment code under the specific transaction rules.

[0115] In operation S430, it is verified whether the valid time of the second verification information exceeds a preset valid time.

[0116] Specifically, the starting point of the timing of the preset valid time can be the time when the first verification information is generated, or it can also be the time when the first character feature instruction is generated. And the ending point of the timing can be the time when the second character feature instruction is received, or the time when the second character verification information is obtained. Details are not described herein again.

[0117] In an embodiment of the present disclosure, through multiple single verification methods or a combination of multiple verification methods, the legality of the second verification information is accurately ensured, and further the security of the original payment code verification is ensured.

[0118] Of course, when verifying the second verification information, there is also another efficient method.

[0119] Figure 5 A flowchart of a payment code encryption verification method according to the present disclosure is schematically shown.

[0120] As Figure 5 shown, the payment code encryption verification method of this embodiment includes operation S510 to operation S520.

[0121] In operation S510, the payment center obtains the identification status bit corresponding to the second verification information.

[0122] In operation S520, it is judged whether the identification status bit is unused.

[0123] For example, identification status bits related to the first verification information and the second verification information are reserved in the payment center. When the second verification information is verified, the identification status bit changes (for example, from 0 to 1, where 0 is unused and 1 is used or used once).

[0124] In an embodiment of the present disclosure, by verifying the usage status of the payment code, it is possible to effectively prevent re - authentication after the optical wave feature signal has been stolen by others.

[0125] It can be understood that the above operations S510 to S520 can be single - executed verification operations or verification operations combined with the above operations S410 to S430. There is no limitation here.

[0126] In operation S250, when the authentication is passed, the second terminal executes a preset payment process based on the original payment code from the first terminal.

[0127] Specifically, the preset payment process can be understood as the transaction code payment process in the prior art, such as the payment process of two - dimensional codes, etc. Details are not described herein again.

[0128] It can be understood that relevant information about different character feature instructions (for example, multiple first character feature instructions) will be saved in the payment center. After receiving the second character feature instruction, the corresponding first character feature instruction will be searched, and then, through a preset verification rule, the relevant information of the first character feature instruction and the second character feature instruction will be verified. Therefore, the above operations S210 to S250 can be regarded as an additional encryption verification process outside the original original payment code payment.

[0129] Of course, for the process of executing payment with the original payment code in the prior art, it can be serially executed with the above operations S210 to S250, that is, after the above operations S210 to S250 are completed and a pass instruction is received in the payment code verification system, the process of executing payment with the original payment code is started. Similarly, the process of executing payment with the original payment code in the prior art can also be executed in parallel with the above operations S210 to S250.

[0130] According to an embodiment of the present disclosure, the timing for the second terminal to receive the original payment code includes: in the case of successful authentication, the second terminal receives the original payment code from the first terminal, or after the first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature comparison table, the second terminal receives the original payment code from the first terminal.

[0131] Among them, the above "in the case of successful authentication, the second terminal receives the original payment code from the first terminal" is serially executed with the preset payment process. After successful authentication, the first terminal generates a payment code and sends it to the second terminal.

[0132] Among them, the above "after the first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature comparison table, the second terminal receives the original payment code from the first terminal" is in a parallel state with the preset payment process, that is, after the above operation S220, the payment code generated by the first terminal is sent to the second terminal.

[0133] According to an embodiment of the present disclosure, after the first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature comparison table, the second terminal receives the original payment code from the first terminal, including: the second terminal receives a combined payment code, where the combined payment code is generated by combining the original payment code and the optical wave feature signal.

[0134] The original payment code and the optical wave feature signal can be sent one after the other or together.

[0135] Figure 6 Schematically shows a schematic diagram of combining an optical wave feature signal and an original payment code according to the present disclosure.

[0136] As Figure 6 shown, the optical wave feature signal and the original payment code are in different regions. The first region of the optical wave feature signal is the second region surrounding the original payment code. Combining the images of these two regions forms a new image. During the data transmission process, the image of the region of the optical wave feature signal can be static, or can be flashing or dynamic.

[0137] It can be understood that combining and sending the optical wave feature signal and the original payment code is equivalent to embedding the optical wave feature signal in the original payment code in the original transaction execution process of the original payment code. Therefore, it will not cause an intrusive change to the original transaction execution process of the original payment code, which is beneficial to the transformation based on the existing payment code payment process.

[0138] In the embodiments of the present disclosure, before the original payment code payment process, or during the original payment code payment process. It is implemented after passing the authentication through another set of encryption verification processes, greatly improving the transaction security, avoiding the transaction risk of being stolen by taking screenshots or screen recordings of the payment code, and providing an optional solution for large-amount payment transactions of the payment code and even payment code identity recognition.

[0139] Figure 7 Schematically shows a full flow chart of a payment code encryption verification method according to the present disclosure.

[0140] As Figure 7 shown, the payment code encryption verification method of this embodiment includes operations S701 to S711.

[0141] In operation S701, the first terminal sends a character generation request to the payment center.

[0142] In operation S702, the payment center generates a first character feature instruction in response to the payment code encryption verification instruction.

[0143] In operation S703, the payment center sends it to the first terminal.

[0144] In operation S704, the first terminal generates an optical wave feature signal for the received first character feature instruction.

[0145] In operation S705, the first terminal generates an original payment code, and combines the optical wave feature signal and the original payment code and sends them to the second terminal.

[0146] In operation S706, the second terminal analyzes the optical wave feature signal to obtain a second character feature instruction.

[0147] In operation S707, the second terminal sends the second character feature instruction to the payment center.

[0148] In operation S708, the payment center verifies the signature (or authenticates) the second character feature instruction. If the signature verification passes, operation S780 is executed; if the signature verification fails, operation S710 is executed.

[0149] In operation S709, the payment center generates a signature verification passed instruction and sends it to the second terminal.

[0150] In operation S710, the second terminal performs a payment code payment process based on the original payment code to complete this payment code transaction.

[0151] Based on the above payment code encryption and verification method, the present disclosure also provides a payment code encryption and verification system. The following will be combined with Figure 8 to describe this system in detail.

[0152] Figure 8 Schematically shows a structural block diagram of a payment code encryption and verification device according to an embodiment of the present disclosure.

[0153] As Figure 8 shown, the payment code encryption and verification device 800 of this embodiment includes a first character feature receiving module 810, a light wave encryption conversion module 820, a light wave decryption conversion module 830, a signature verification module 840, and a payment code payment module 850.

[0154] The first character feature receiving module 810 is used for the first terminal to receive the first character feature instruction from the payment center. In one embodiment, the first character feature receiving module 810 can be used to execute operation S210 described above, which will not be elaborated here.

[0155] The light wave encryption conversion module 820, based on a preset feature look-up table, the first terminal converts the first character feature instruction into a light wave feature signal. In one embodiment, the light wave encryption conversion module 820 can be used to execute operation S220 described above, which will not be elaborated here.

[0156] The light wave decryption conversion module 830 is used for the second terminal to inversely convert the light wave feature signal from the first terminal into a second character feature instruction based on the preset feature look-up table. In one embodiment, the light wave decryption conversion module 830 can be used to execute operation S230 described above, which will not be elaborated here.

[0157] The signature verification module 840 is used for the payment center to authenticate the first character feature instruction and the received second character feature instruction based on a preset verification rule. In one embodiment, the signature verification module 840 can be used to perform the operation S240 described above, which will not be elaborated here.

[0158] The payment code payment module 850 is used for the second terminal to execute a preset payment process based on the original payment code from the first terminal when the authentication is passed. In one embodiment, the payment code payment module 850 can be used to perform the operation S250 described above, which will not be elaborated here.

[0159] According to an embodiment of the present disclosure, the receiving opportunity of the second terminal for the original payment code includes: when the authentication is passed, the second terminal receives the original payment code from the first terminal, or after the first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature comparison table, the second terminal receives the original payment code from the first terminal.

[0160] According to an embodiment of the present disclosure, after the first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature comparison table, the second terminal receives the original payment code from the first terminal, including: the second terminal receives a combined payment code, where the combined payment code is generated by combining the original payment code and the optical wave feature signal.

[0161] According to an embodiment of the present disclosure, the device further includes a first verification information encryption module, where the first verification information encryption module is used for the payment center to encrypt preset first verification information based on a preset encryption algorithm to obtain the first character feature instruction.

[0162] According to an embodiment of the present disclosure, the signature verification module 840 is further used to parse the second character feature instruction based on the preset encryption algorithm to obtain second verification information; and verify whether the second verification information is legal based on a preset verification rule.

[0163] According to an embodiment of the present disclosure, verifying whether the second verification information is legal based on a preset verification rule includes: verifying the consistency between the second verification information and the first verification information; and / or verifying the transaction types of the first verification information and the second verification information; and / or verifying whether the valid time of the second verification information exceeds a preset valid time.

[0164] According to an embodiment of the present disclosure, verifying whether the second verification information is legal based on a preset verification rule further includes: obtaining, by the payment center, an identification status bit corresponding to the second verification information; and determining whether the identification status bit is unused.

[0165] According to an embodiment of the present disclosure, the optical wave feature signal includes a static optical wave feature signal and a dynamic optical wave feature signal. The static optical wave feature signal includes an optical wave color and an optical wave region, and the dynamic optical wave feature signal includes an optical wave color, an optical wave region, and an optical wave blinking frequency.

[0166] According to an embodiment of the present disclosure, the optical wave decryption conversion module 830 is further configured to convert the optical wave color based on the preset feature look-up table and through a preset region conversion sequence, or convert the optical wave color and the optical wave blinking frequency based on the preset feature look-up table and through the preset region conversion sequence.

[0167] According to an embodiment of the present disclosure, the device further includes a valid character intercepting module. The valid character intercepting module is configured to intercept characters from the start bit to the end bit of the second character feature instruction to complete the update of the second character feature instruction.

[0168] According to an embodiment of the present disclosure, any multiple of the first character feature receiving module 810, the optical wave encryption conversion module 820, the optical wave decryption conversion module 830, the signature verification module 840, and the payment code payment module 850 may be combined and implemented in one module, or any one of them may be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules may be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the first character feature receiving module 810, the optical wave encryption conversion module 820, the optical wave decryption conversion module 830, the signature verification module 840, and the payment code payment module 850 may be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on substrate, a system on package, an application specific integrated circuit (ASIC), or any other reasonable way of integrating or packaging circuits, etc., implemented by hardware or firmware, or implemented in any one of the three implementation manners of software, hardware, and firmware, or in any appropriate combination of several of them. Alternatively, at least one of the first character feature receiving module 810, the optical wave encryption conversion module 820, the optical wave decryption conversion module 830, the signature verification module 840, and the payment code payment module 850 may be at least partially implemented as a computer program module, and when the computer program module runs, it can execute corresponding functions.

[0169] Figure 9 Schematically shown is a block diagram of an electronic device suitable for implementing a payment code encryption verification method according to an embodiment of the present disclosure.

[0170] As Figure 9 shown, the electronic device 900 according to an embodiment of the present disclosure includes a processor 901, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 902 or a program loaded from a storage section 908 into a random access memory (RAM) 903. The processor 901 may include, for example, a general microprocessor (e.g., CPU), an instruction set processor, and / or a related chipset, and / or a dedicated microprocessor (e.g., an application specific integrated circuit (ASIC)), etc. The processor 901 may also include on-board memory for caching purposes. The processor 901 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0171] In the RAM 903, various programs and data required for the operation of the electronic device 900 are stored. The processor 901, the ROM 902, and the RAM 903 are connected to each other via a bus 904. The processor 901 performs various operations of the method flow according to an embodiment of the present disclosure by executing the programs in the ROM 902 and / or the RAM 903. It should be noted that the program may also be stored in one or more memories other than the ROM 902 and the RAM 903. The processor 901 may also perform various operations of the method flow according to an embodiment of the present disclosure by executing the programs stored in the one or more memories.

[0172] According to an embodiment of the present disclosure, the electronic device 900 may further include an input / output (I / O) interface 905, and the input / output (I / O) interface 905 is also connected to the bus 904. The electronic device 900 may further include one or more of the following components connected to the I / O interface 905: an input section 906 including a keyboard, a mouse, etc.; an output section 907 including, for example, a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 908 including a hard disk, etc.; and a communication section 909 including a network interface card such as a LAN card, a modem, etc. The communication section 909 performs communication processing via a network such as the Internet. A drive 910 is also connected to the I / O interface 905 as needed. A removable medium 911, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 910 as needed so that a computer program read from it can be installed into the storage section 908 as needed.

[0173] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist alone without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the one or more programs are executed, the methods according to the embodiments of the present disclosure are implemented.

[0174] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, and for example, may include but is not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In the present disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program, and the program may be used by or in combination with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present disclosure, the computer-readable storage medium may include the above-described ROM 902 and / or RAM 903 and / or one or more memories other than ROM 902 and RAM 903.

[0175] Embodiments of the present disclosure also include a computer program product, which includes a computer program that contains program code for executing the method shown in the flowchart. When the computer program product runs in a computer system, the program code is used to cause the computer system to implement the method provided by the embodiments of the present disclosure.

[0176] When the computer program is executed by the processor 901, the above functions defined in the system / apparatus of the embodiments of the present disclosure are executed. According to an embodiment of the present disclosure, the above-described systems, apparatuses, modules, units, etc. may be implemented by computer program modules.

[0177] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices and magnetic storage devices. In another embodiment, the computer program may also be transmitted and distributed in the form of a signal on a network medium, and downloaded and installed through the communication part 909, and / or installed from the removable medium 911. The program code included in the computer program may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0178] In such an embodiment, the computer program may be downloaded and installed from a network through the communication part 909, and / or installed from the removable medium 911. When the computer program is executed by the processor 901, the above functions defined in the system of the embodiments of the present disclosure are performed. According to the embodiments of the present disclosure, the above-described systems, devices, apparatuses, modules, units, etc. may be implemented by computer program modules.

[0179] According to the embodiments of the present disclosure, the program code for executing the computer program provided by the embodiments of the present disclosure may be written in any combination of one or more programming languages. Specifically, these computing programs may be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages include, but are not limited to, such as Java, C++, python, the "C" language, or similar programming languages. The program code may be executed entirely on the user computing device, partially on the user device, partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (e.g., by connecting through the Internet using an Internet service provider).

[0180] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagram may represent a module, a program segment, or a part of code, and the above-mentioned module, program segment, or part of code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and the combination of blocks in the block diagram or flowchart, may be implemented by a dedicated hardware-based system for performing the specified functions or operations, or may be implemented by a combination of dedicated hardware and computer instructions.

[0181] Those skilled in the art can understand that the features recited in the various embodiments and / or claims of the present disclosure may be combined or / and combined in various ways, even if such combinations or combinations are not explicitly recited in the present disclosure. In particular, without departing from the spirit and teachings of the present disclosure, the features recited in the various embodiments and / or claims of the present disclosure may be combined and / or combined in various ways. All such combinations and / or combinations fall within the scope of the present disclosure.

[0182] The embodiments of the present disclosure have been described above. However, these embodiments are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments have been described separately above, this does not mean that the measures in each embodiment cannot be used advantageously in combination. The scope of the present disclosure is defined by the appended claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art can make various substitutions and modifications, and all such substitutions and modifications should fall within the scope of the present disclosure.

Claims

1. A payment code encryption verification method, characterized in that, The method is applied to a payment code encryption verification system, which includes a first terminal, a second terminal, and a payment center, and includes: The first terminal receives a first character feature instruction from the payment center; The first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature comparison table; The second terminal inversely converts the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature comparison table; The payment center authenticates the first character feature instruction and the received second character feature instruction based on a preset verification rule; and When the authentication is passed, the second terminal executes a preset payment process based on the original payment code from the first terminal; Wherein, the optical wave feature signal includes a static optical wave feature signal and a dynamic optical wave feature signal. The static optical wave feature signal includes an optical wave color and an optical wave region, and the dynamic optical wave feature signal includes an optical wave color, an optical wave region, and an optical wave flicker frequency; The second terminal inversely converts the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature comparison table, including: converting the optical wave color based on the preset feature comparison table through a preset region conversion sequence, or converting the optical wave color and the optical wave flicker frequency based on the preset feature comparison table through the preset region conversion sequence.

2. The method according to claim 1, wherein Wherein, The receiving timing of the original payment code by the second terminal includes: When the authentication is passed, the second terminal receives the original payment code from the first terminal, or After the first terminal converts the first character feature instruction into an optical wave feature signal based on the preset feature comparison table, the second terminal receives the original payment code from the first terminal.

3. The method according to claim 2, characterized in that, The situation that after the first terminal converts the first character feature instruction into an optical wave feature signal based on the preset feature comparison table, the second terminal receives the original payment code from the first terminal includes: The second terminal receives a combined payment code, where the combined payment code is generated by combining the original payment code and the optical wave feature signal.

4. The method according to any one of claims 1 to 3, characterized in that, Before the first terminal receives the first character feature instruction from the payment center, it further includes: The payment center encrypts a preset first verification information based on a preset encryption algorithm to obtain the first character feature instruction.

5. The method according to claim 4, characterized in that The payment center authenticates the first character feature instruction and the received second character feature instruction based on a preset verification rule, including: Parsing the second character feature instruction based on the preset encryption algorithm to obtain second verification information; Verifying whether the second verification information is legal based on a preset verification rule.

6. The method according to claim 5, wherein The verifying whether the second verification information is legal based on a preset verification rule includes: Verifying the consistency between the second verification information and the first verification information; and / or Verifying the transaction types of the first verification information and the second verification information; and / or Verify whether the valid time of the second verification information exceeds the preset valid time.

7. The method according to claim 5 or 6, characterized in that, The verifying whether the second verification information is legal based on the preset verification rules further includes: obtaining, by the payment center, an identification status bit corresponding to the second verification information; and determining whether the identification status bit is unused.

8. The method according to claim 1, wherein After the second terminal reversely converts the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature look-up table, it further includes: intercepting the characters from the start bit to the end bit of the second character feature instruction to complete the update of the second character feature instruction.

9. A payment code encryption verification device, characterized in that, The device includes: a first character feature receiving module, an optical wave encryption conversion module, an optical wave decryption conversion module, a signature verification module, and a payment code payment module, wherein, the first character feature receiving module is configured to receive, by the first terminal, a first character feature instruction from the payment center; the optical wave encryption conversion module is configured to convert, by the first terminal, the first character feature instruction into an optical wave feature signal based on the preset feature look-up table; the optical wave decryption conversion module is configured to reversely convert, by the second terminal, the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature look-up table; the signature verification module is configured to authenticate, by the payment center, the first character feature instruction and the received second character feature instruction based on the preset verification rules; and the payment code payment module is configured to, when the authentication is passed, execute a preset payment process by the second terminal based on the original payment code from the first terminal; wherein the optical wave feature signal includes a static optical wave feature signal and a dynamic optical wave feature signal, the static optical wave feature signal includes an optical wave color and an optical wave region, and the dynamic optical wave feature signal includes an optical wave color, an optical wave region, and an optical wave blinking frequency; The second terminal reversely converts the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature look-up table, including: converting the optical wave color based on the preset feature look-up table through a preset region conversion order, or converting the optical wave color and the optical wave blinking frequency based on the preset feature look-up table through the preset region conversion order.

10. A payment code encryption verification system, characterized in that, The system includes: a first terminal, a second terminal, and a payment center, wherein, the first terminal is configured to receive a first character feature instruction from the payment center; the first terminal is further configured to convert the first character feature instruction into an optical wave feature signal based on the preset feature look-up table; the second terminal is configured to reversely convert the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature look-up table; the payment center is configured to authenticate the first character feature instruction and the received second character feature instruction based on the preset verification rules; and the second terminal is further configured to, when the authentication is passed, execute a preset payment process based on the original payment code from the first terminal; Among them, the optical wave characteristic signal includes a static optical wave characteristic signal and a dynamic optical wave characteristic signal. The static optical wave characteristic signal includes the optical wave color and the optical wave region. The dynamic optical wave characteristic signal includes the optical wave color, the optical wave region, and the optical wave blinking frequency; The second terminal inversely converts the optical wave characteristic signal from the first terminal into a second character characteristic instruction based on the preset characteristic comparison table, including: converting the optical wave color based on the preset characteristic comparison table through the preset region conversion sequence, or converting the optical wave color and the optical wave blinking frequency based on the preset characteristic comparison table through the preset region conversion sequence.

11. An electronic device, characterized in that, Including: One or more processors; A storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the method according to any one of claims 1 to 8.

12. A computer-readable storage medium, characterized in that, An executable instruction is stored thereon, and when the instruction is executed by a processor, the processor executes the method according to any one of claims 1 to 8.

13. A computer program product, characterized in that, Including a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 8 is implemented.

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