Collection and payment method and device based on real-name authentication wallet, and electronic equipment

Abstract

The invention discloses a collection and payment method and device based on a real-name authentication wallet and electronic equipment, and relates to the field of financial science and technology or other related fields, and the method comprises the steps that a payer inputs a payee list in a payment end system, and sends a pre-payment notification to the payee, a payee initiates a real-name collection graphic code display function in a collection end system, the collection end system generates a collection request based on the identity of the payee and wallet information and sends the collection request to a collection operation mechanism system, and the collection operation mechanism system generates a digital signature and a validity period based on the collection request, generates a target character string based on the signature and the validity period and sends the target character string to the collection end system. The target character string is sent to the collection end system, the collection end system generates a target graphic code based on the target character string, the payment end system scans the target graphic code to obtain the target character string and verifies the target character string, and the payment operation mechanism system pays the payee when the verification is passed. According to the invention, the technical problems of low identity verification efficiency and poor security during payment in the prior art are solved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology or other related fields, and in particular to a payment method and device, and an electronic device based on a real-name authentication wallet. Background Art

[0002] Airlines, travel agencies, and various companies often face scenarios where they need to efficiently and accurately distribute funds to specific groups of people. For example, when a flight is delayed due to its own reasons and reaches the prescribed compensation standard, the airline needs to distribute delay compensation to the affected passengers. In the process of distributing funds, in order to ensure that the compensation amount is accurately distributed to each eligible passenger, the airline must first verify the identity of the passenger, then make the payment, and finally the passenger signs to confirm. The common feature of this scenario is that the payer has a list containing the identity information of the payee and the specific amount to be distributed. When distributing funds, it is necessary to verify whether the identity of the payee is consistent with the identity in the list, and then pay the funds to the payee after confirming that they are consistent.

[0003] In the related technology, payment is usually made by cash payment or transfer from a financial institution. However, in this payment method, identity verification often relies on manual verification of identity documents, which is not only time-consuming and labor-intensive, but also inefficient when hundreds of passengers on the same flight need compensation. This causes passengers to wait too long, significantly reducing service efficiency and passenger satisfaction. At the same time, manual verification of identity documents may lead to fraudulent claiming of compensation, that is, non-target recipients claim compensation by forging or stealing identity information, causing losses to the payer.

[0004] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0005] The embodiments of the present invention provide a payment method and device based on a real-name authentication wallet, and an electronic device, so as to at least solve the technical problems of low identity authentication efficiency and poor security when disbursing funds in the related art.

[0006] According to one aspect of an embodiment of the present invention, a payment method based on a real-name authentication wallet is provided, which is applied to a payment system based on a real-name authentication wallet. The payment system based on a real-name authentication wallet includes: a payment end system, a payment end system, a payment operation agency system, and a payment operation agency system. The payment method includes: the payer enters a payee list in the payment end system and sends a prepayment notice to the payee, wherein the payee list includes: identity information and payment amount of all payees; the payee initiates a real-name payment graphic code display function in the payment end system, and the payment end system generates a payment code based on the identity information and wallet information of the payee. The payment request is received and sent to the payment operating agency system, wherein the wallet specified by the wallet information is a real-name authentication wallet; the payment operating agency system generates a digital signature and a signature validity period based on the payment request, generates a target character string based on the digital signature and the signature validity period, and sends the target character string to the payment terminal system, wherein the digital signature includes a digital string for verifying the authenticity and integrity of the information; the payment terminal system generates a target graphic code based on the target character string; the payment terminal system scans the target graphic code to obtain the target character string, and the payment terminal system verifies the target character string. If the verification is passed, the payment operating agency system pays the payee.

[0007] Optionally, the input method of the payee list includes: the payer enters the payee's identity information and the payment amount in the interface of the payment end system; the payer imports the complete payee list into the payment end system.

[0008] Optionally, before the payment operation agency system generates a digital signature and signature validity period based on the payment request, it includes: the payment operation agency system receives the payment request, verifies whether the wallet information and identity information in the payment request match; when the wallet information and identity information in the payment request match, the payment operation agency system generates a digital signature and signature validity period.

[0009] Optionally, the step of generating a target character string based on the digital signature and the signature validity period includes: generating a target character string based on the digital signature and the signature validity period in accordance with a preset character string format, wherein the target character string includes: identity information and wallet information of the payee, the digital signature and the signature validity period.

[0010] Optionally, the step of the payment end system verifying the target character string includes: the payment end system parsing the target character string based on a preset character string format to obtain the identity information and wallet information, digital signature and signature validity period of the payee; the payment end system verifying the target character string includes: verifying whether the identity information belongs to the payee list, verifying whether the digital signature is valid, and verifying whether the current time is within the signature validity period; the conditions for the target character string verification to pass include: the identity information in the target character string belongs to the payee list, the digital signature is valid and the current time is within the signature validity period, wherein the conditions for the digital signature to be valid include: the digital signature has not been tampered with.

[0011] Optionally, the step of the payment operating institution system paying the payee includes: the payment end system generates a payment request based on the identity information and wallet information in the target character string, and sends the payment request to the payment operating institution system; the payment operating institution system pays the designated wallet of the payee based on the payment request, wherein the designated wallet is obtained from the wallet information in the payment request; and the payment end system records the payment result.

[0012] Optionally, the payment and collection method based on the real-name authentication wallet also includes: the payment-end system is a mobile terminal application and background system bound to the real-name authentication wallet, the payment-end system also includes: a real-name payment graphic code display function, the payee initiates the real-name payment graphic code display function in the payment-end system, wherein the mobile terminal application includes at least one of the following: financial institution application software, digital human name currency application software, and third-party application software bound to the real-name authentication wallet; the payment-end system is a device and background system with payment and code scanning functions; the payment operation agency system is an operation system with payment request verification and digital signature generation functions; the payment operation agency system is an operation system with payment function.

[0013] According to another aspect of an embodiment of the present invention, a payment and collection device based on a real-name authentication wallet is also provided, which is applied to a payment and collection system based on a real-name authentication wallet. The payment and collection system based on a real-name authentication wallet includes: a payment end system, a payment end system, a payment collection operating agency system, and a payment operating agency system. The payment and collection device includes: an input unit, which is used by the payer to input a list of payees in the payment end system and send a prepayment notification to the payee, wherein the list of payees includes: identity information and payment amount of all payees; a first generating unit, which is used by the payee to initiate a real-name payment graphic code display function in the payment end system, and the payment end system generates a payment request based on the identity information and wallet information of the payee. And send the payment request to the payment operating agency system, wherein the wallet specified by the wallet information is a real-name authentication wallet; the second generation unit is used for the payment operating agency system to generate a digital signature and a signature validity period based on the payment request, generate a target character string based on the digital signature and the signature validity period, and send the target character string to the payment terminal system, wherein the digital signature includes a digital string for verifying the authenticity and integrity of the information; the third generation unit is used for the payment terminal system to generate a target graphic code based on the target character string; the payment unit is used for the payment terminal system to scan the target graphic code and obtain the target character string, the payment terminal system verifies the target character string, and if the verification passes, the payment operating agency system pays the payee.

[0014] Optionally, the input unit includes: an input module, which is used by the payer to input the identity information and the amount of the payee in the interface of the payment end system; and an import module, which is used by the payer to import a complete list of payees into the payment end system.

[0015] Optionally, the second generation unit includes: a verification module, which is used for the payment operation agency system to receive the payment request and verify whether the wallet information and identity information in the payment request match before the payment operation agency system generates a digital signature and signature validity period based on the payment request; a matching module, which is used for the payment operation agency system to generate a digital signature and signature validity period when the wallet information and identity information in the payment request match.

[0016] Optionally, the second generating unit further includes: a first execution module, configured to generate a target string according to a preset string format and based on the digital signature and the signature validity period, wherein the target string includes: the identity information and wallet information of the payee, the digital signature and the signature validity period.

[0017] Optionally, the payment unit includes: a parsing module, which is used for the payment end system to parse the target string based on a preset string format to obtain the identity information and wallet information, digital signature and signature validity period of the payee; a first verification module, which is used for the payment end system to verify the target string, including: verifying whether the identity information belongs to the payee list, verifying whether the digital signature is valid, and verifying whether the current time is within the signature validity period; a second verification module, which is used for the conditions for passing the target string verification including: the identity information in the target string belongs to the payee list, the digital signature is valid and the current time is within the signature validity period, wherein the conditions for the digital signature to be valid include: the digital signature has not been tampered with.

[0018] Optionally, the payment unit also includes: a second execution module, which is used for the payment end system to generate a payment request based on the identity information and wallet information in the target character string, and send the payment request to the payment operation agency system; a third execution module, which is used for the payment operation agency system to pay the designated wallet of the payee based on the payment request, wherein the designated wallet is obtained from the wallet information in the payment request; and a recording module, which is used for the payment end system to record the payment result.

[0019] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is also provided, the computer-readable storage medium including a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the above-mentioned payment and collection methods based on the real-name authentication wallet.

[0020] According to another aspect of an embodiment of the present invention, an electronic device is also provided, including one or more processors and a memory, the memory being used to store one or more programs, wherein when the one or more programs are executed by one or more processors, the one or more processors implement any one of the above-mentioned payment and collection methods based on a real-name authentication wallet.

[0021] According to another aspect of an embodiment of the present invention, a computer program product is also provided, including a computer program, which, when executed by a processor, implements the steps of any one of the above-mentioned payment and collection methods based on a real-name authentication wallet.

[0022] In the present disclosure, the payee enters a list of payees in the payment end system and sends a prepayment notification to the payee. The payee initiates a real-name payment graphic code display function in the payment end system. The payment end system generates a payment request based on the identity information and wallet information of the payee, and sends the payment request to the payment operation agency system, wherein the wallet specified by the wallet information is a real-name authentication wallet. Then the payment operation agency system generates a digital signature and a signature validity period based on the payment request, generates a target character string based on the digital signature and the signature validity period, and sends the target character string to the payment end system. The payment end system generates a target graphic code based on the target character string. Finally, the payment end system scans the target graphic code to obtain the target character string. The payment end system verifies the target character string. If the verification passes, the payment operation agency system pays the payee.

[0023] The disclosed payee only needs to open the payee system and initiate the real-name payment graphic code display function to complete the real-name verification and payment operation in one step. The payee does not need to perform cumbersome ID verification and signature operations, which not only greatly improves the efficiency of identity verification and payment issuance, but also enhances the user experience. At the same time, by directly transferring the amount of money to the real-name authentication wallet designated by the payee, it avoids the situation of false or wrong payment of money, and by using digital signatures and signature validity periods to protect key information, it improves the security and authenticity of payment issuance, thereby solving the technical problems of low identity verification efficiency and poor security when issuing money in related technologies. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0025] Figure 1 is a flow chart of an optional payment method based on a real-name authentication wallet according to an embodiment of the present invention;

[0026] Figure 2 It is a structural diagram of an optional payment method based on a real-name authentication wallet according to an embodiment of the present invention;

[0027] Figure 3 is a schematic diagram of an optional payment and collection device based on a real-name authentication wallet according to an embodiment of the present invention;

[0028] Figure 4 The present invention is a hardware structure block diagram of an electronic device (or mobile device) that executes a payment method based on a real-name authentication wallet according to an embodiment of the present invention. DETAILED DESCRIPTION

[0029] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0030] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0031] It should be noted that the payment and collection method based on the real-name authentication wallet and the device thereof in the present disclosure can be used in the field of financial technology. When payment and collection operations are performed based on the real-name authentication wallet, it can also be used in any field other than the field of financial technology. When payment and collection operations are performed based on the real-name authentication wallet, the present disclosure does not limit the application field of the payment and collection method based on the real-name authentication wallet and the device thereof.

[0032] The following embodiments of the present invention can be applied to various payment systems / applications / devices based on real-name authentication wallets. The payee of the present invention only needs to open the payment terminal system and initiate the real-name payment graphic code display function to complete the real-name verification and payment operation in one step. The payee does not need to perform cumbersome identity document verification and signature operations, which not only greatly improves the efficiency of identity verification and payment issuance, but also enhances the user experience. At the same time, by directly transferring the amount of money to the real-name authentication wallet designated by the payee, the situation of false or wrong payment of money is avoided, and by using digital signatures and signature validity periods to protect key information, the security and authenticity of payment issuance are improved.

[0033] The present invention is described in detail below in conjunction with various embodiments.

[0034] Embodiment 1

[0035] According to an embodiment of the present invention, an embodiment of a payment method based on a real-name authentication wallet is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in an order different from that shown here.

[0036] It should be noted that the payment method based on the real-name authentication wallet provided in the embodiment of the present invention is applied to the payment system based on the real-name authentication wallet. The payment system based on the real-name authentication wallet includes: a payment end system, a payment end system, a payment operation agency system and a payment operation agency system.

[0037] Optionally, the payment and collection method based on the real-name authentication wallet also includes: the payment-end system is a mobile terminal application and background system bound to the real-name authentication wallet, the payment-end system also includes: a real-name payment graphic code display function, the payee initiates the real-name payment graphic code display function in the payment-end system, wherein the mobile terminal application includes at least one of the following: financial institution application software, digital human name currency application software, and third-party application software bound to the real-name authentication wallet; the payment-end system is a device and background system with payment and code scanning functions; the payment operation agency system is an operation system with payment request verification and digital signature generation functions; the payment operation agency system is an operation system with payment function.

[0038] In an embodiment of the present invention, a payment and collection method based on a real-name authentication wallet is executed on a payment and collection system based on a real-name authentication wallet. The payment and collection system based on a real-name authentication wallet includes: a payment end system, a payment end system, a payment collection operation agency system, and a payment operation agency system.

[0039] Among them, the payer can be an enterprise or organization. When using the payment end system, the payer can be the specific operation object of the enterprise or organization, or it can be a specific business system within the enterprise or organization to realize docking and operation with the payment end system.

[0040] The payee refers to the specific recipient who needs to receive the money. Each payee will be recorded in the payee list.

[0041] The payment end system is the payer's internal system. The system includes devices and background systems with payment and code scanning functions. The payment function is used to pay the payee, and the code scanning function is used to scan the payment graphic code. The devices included in the system can be mobile terminals or code scanning guns and other devices.

[0042] The payment terminal system is a mobile terminal application and background system bound to the real-name authentication wallet. The payment terminal system has the function of displaying the real-name payment graphic code. The payee can display the payment graphic code to the payment terminal system by initiating the real-name payment graphic code display function in the payment terminal system, and then obtain the payment. The mobile terminal application can be a financial institution application software, a digital currency application software, or a third-party application software bound to the real-name authentication wallet, such as: digital currency APP, ** bank APP, etc.

[0043] The payment operation institution system is an operation system with payment function, which is connected to the payment end system through direct connection or port connection to support payment function.

[0044] The payment collection operation agency system is an operation system with payment collection request verification function and digital signature generation function. The payment collection request verification function is used to verify whether the payment collection request sent by the payment terminal meets the conditions, and the digital signature generation function is used to generate a digital signature.

[0045] It should be noted that real-name authentication wallets are generally divided into four categories: the first category of wallets requires on-site verification of the applicant's identity information, and requires verification of the identity document, mobile phone number and the applicant's domestic bank account information. The first category of wallets can be bound to the applicant's domestic bank account and support the transfer of real-name authentication wallets and bound account deposits. The first category of wallets has the highest degree of real-name; the second category of wallets is a remotely opened wallet, which requires verification of the identity document, mobile phone number and the applicant's domestic bank account information. The second category of wallets can be bound to the applicant's domestic bank account. The second category of wallets supports the transfer of real-name authentication wallets and bound account deposits. The second category of wallets has a higher degree of real-name; the third category of wallets is a remotely opened wallet, which requires verification of the identity document and mobile phone number information. The third category of wallets does not need to be bound to a bank account, and the real-name degree is weaker; the fourth category of wallets is a remotely opened wallet, which only verifies the mobile phone number and does not need to be bound to a bank account. The fourth category of wallets is an anonymous wallet. The "real-name authentication wallet" mentioned in the payment method based on the real-name authentication wallet provided in the embodiment of the present invention refers to the "first category of wallets, second category of wallets and third category of wallets" mentioned above, excluding the "fourth category of wallets".

[0046] It should be noted that the "real-name authentication wallet" involved in the embodiments of the present invention can be a digital currency wallet, or it can be an ordinary real-name financial institution account wallet or a real-name authentication wallet of a third-party payment platform.

[0047] Figure 1 is a flow chart of an optional payment method based on a real-name authentication wallet according to an embodiment of the present invention, such as Figure 1 As shown, the method comprises the following steps:

[0048] Step S101, the payer enters a payee list in the payment end system and sends a prepayment notice to the payee, wherein the payee list includes: identity information of all payees and payment amounts.

[0049] In the embodiment of the present invention, the payer, as the initiator of the funds, first needs to input a detailed list of payees in the payment end system. This list contains the identity information of all expected payees and the corresponding payment amounts, ensuring the accuracy and pertinence of each transaction.

[0050] Identity information is the core component of the payee list. It can include the payee's name, ID number, mobile phone number and other data that can uniquely identify the payee. The provision of identity information is not only to confirm the identity of the payee, but also the basis for real-name authentication in the subsequent payment process, ensuring the security and compliance of payment transactions. The payment amount is the specific amount of money corresponding to each payee's identity information, which directly determines the scale of funds for each transaction.

[0051] After entering the list of payees, the payment system will send a prepayment notice to each payee. The prepayment notice is intended to inform the payee in advance of one or more upcoming payments to help the payee prepare for receiving the payment. It can also be used as a transaction confirmation method to ensure that the payee is aware of and agrees to the transaction. The channel for sending prepayment notices can be SMS, email, phone or through the internal messaging system of the real-name authentication wallet. Prepayment notices usually contain basic information about the transaction, such as transaction amount, transaction time and relevant instructions on how to conduct the transaction.

[0052] Optionally, the input method of the payee list includes: the payer enters the payee's identity information and the payment amount in the interface of the payment end system; the payer imports the complete payee list into the payment end system.

[0053] In the embodiment of the present invention, when inputting the payee list, the payer can enter the payee's identity information and the amount of payment in the interface of the payment end system, or can import the complete payee list into the payment end system. The payee list contains the identity information of all payees and the corresponding amount of payment, and the accuracy of this information is directly related to whether the money can be accurately allocated to the desired payee.

[0054] The payer can enter the payee's identity information and the amount of payment in the interface of the payment system. This process usually involves entering or selecting the payee's name, ID number, amount of payment and other information in multiple input boxes or selection boxes on the interface provided by the payment system. This entry method allows the payer to confirm each piece of information.

[0055] The payer can import the complete payee list into the payment system. The payer imports the electronic file of the payee list prepared in advance into the payment system. The electronic file of the payee list can be an Excel spreadsheet, XML format file or any other file that can store structured data. This import method is particularly suitable for scenarios where funds need to be issued to a large number of payees. The import method also allows the payer to confirm each piece of information.

[0056] In step S102, the payee initiates the real-name payment graphic code display function in the payee system. The payee system generates a payment request based on the payee's identity information and wallet information, and sends the payment request to the payment operating agency system, wherein the wallet specified by the wallet information is a real-name authentication wallet.

[0057] In an embodiment of the present invention, the payee needs to initiate the "real-name payment graphic code display function" in the payment terminal system when performing the payment operation. The payee can initiate the "real-name payment graphic code display function" by clicking the "real-name payment graphic code display function" icon in the payment terminal system.

[0058] After the payee initiates the "real-name payment graphic code display function", the payment system automatically generates a payment request based on the payee's identity information and wallet information stored in the system. The wallet information is the payee's real-name authentication wallet, which is the key to ensuring that funds are safely transferred to the correct account. Other information can also be attached when generating a payment request, such as the current time or remarks, and the generated payment request will be sent to the payment operation agency system.

[0059] It should be noted that the payment request may also include an ID that uniquely identifies the payment, which is then transmitted back by the payment system to ensure the uniqueness of the payment and avoid duplicate payments.

[0060] Step S103, the payment operating agency system generates a digital signature and a signature validity period based on the payment request, generates a target string based on the digital signature and the signature validity period, and sends the target string to the payment terminal system, wherein the digital signature includes a digital string for verifying the authenticity and integrity of the information.

[0061] In the embodiment of the present invention, after receiving the payment request, the payment operation institution system will generate a digital signature and a signature validity period.

[0062] A digital signature is a string of numbers that can only be generated by the sender of the information and cannot be forged by other parties. This string of numbers is also an effective proof of the authenticity of the information sent by the sender. It is a physical signature similar to that written on paper, which can ensure the authenticity and integrity of the information. When the payment operator system performs digital signature, it will process the identity information, wallet information and other related information of the payee through a specific digital signature algorithm to generate a unique string of numbers as the digital signature of the payee.

[0063] At the same time, the payment collection operation organization will also generate a signature validity period. The setting of the signature validity period is to prevent the digital signature from being stored and reused for a long time, reducing the security risks caused by outdated information. The signature validity period is usually a time window, such as a few hours from the moment the digital signature is generated, to ensure that the transaction is completed within a reasonable time frame. Payment requests that exceed the signature validity period are considered invalid and the payee needs to re-initiate.

[0064] After the digital signature and the validity period of the signature are generated, a target string is generated based on the digital signature and the validity period of the signature. This target string contains all the necessary information of the payment request, including the identity information and wallet information of the payee, the digital signature and the validity period of the signature. By encoding this information into the target string, the readability and security of the transmission process can be ensured. Finally, the target string will be returned to the payment end system.

[0065] Optionally, before the payment operation agency system generates a digital signature and signature validity period based on the payment request, it includes: the payment operation agency system receives the payment request, verifies whether the wallet information and identity information in the payment request match; when the wallet information and identity information in the payment request match, the payment operation agency system generates a digital signature and signature validity period.

[0066] It should be noted that before the payment operating agency system generates a digital signature and a signature validity period based on the payment request, the payment operating agency system needs to verify the payment request. After receiving the payment request sent by the payment terminal system, the payment operating agency system verifies whether the wallet information in the payment request matches the identity information, that is, verifies whether the provided wallet information belongs to the payee. If the wallet information in the payment request does not match the identity information, the payment operating agency system rejects the payment request to prevent unauthorized payment behavior. If the wallet information in the payment request matches the identity information, the payment operating agency system generates a digital signature and a signature validity period.

[0067] It should be noted that when verifying the payment request, the wallet status may also be checked, for example, whether the wallet specified in the wallet information has been frozen or has a violation record, to ensure the compliance of the receiving wallet.

[0068] Optionally, the step of generating a target character string based on the digital signature and the signature validity period includes: generating a target character string based on the digital signature and the signature validity period in accordance with a preset character string format, wherein the target character string includes: identity information and wallet information of the payee, the digital signature and the signature validity period.

[0069] It should be noted that when the target string is generated based on the digital signature and the validity period of the signature, the embodiment of the present invention needs to be generated according to a preset string format. The preset string format specifies the structure, content and encoding method of the target string to ensure that the transaction information can be correctly encoded, transmitted and decoded. By generating the target string according to the preset string format, the efficiency and security of information transmission can be improved, and security risks such as information tampering and identity fraud can be prevented.

[0070] Step S104: the payment terminal system generates a target graphic code based on the target character string.

[0071] In the embodiment of the present invention, after receiving the target character string returned by the payment operation institution system, the payment terminal system generates a target graphic code. The target graphic code is usually in the form of a QR code or a barcode, which is an efficient way to store and transmit information. It can encode the information in the target character string in a graphic way, which is convenient for a camera or a scanning device to read. The QR code is particularly suitable for use in payment scenarios because it can store a large amount of information, can achieve high-density encoding even in a small space, and has extremely high reading speed and accuracy.

[0072] The embodiment of the present invention converts complex payment request information into an easily recognizable graphic form by generating and displaying a target graphic code, and ensures the authenticity and timeliness of transaction information through the mechanism of digital signature and signature validity period, reduces the risk of information tampering and delayed payment, and makes the payment process safer and more efficient. At the same time, this process greatly simplifies the operation of the payee, who only needs to display the target graphic code to receive the payment, improving the user experience and payment efficiency.

[0073] It should be noted that the target graphic code is only one way to pass the target character string to the payment end system. The embodiment of the present invention can choose other ways to pass the target character string to the payment end system, for example, passing the target character string to the payment end system by means of other communication methods such as NFC (near field communication) and Bluetooth.

[0074] Step S105, the payment end system scans the target graphic code to obtain the target character string, and the payment end system verifies the target character string. If the verification passes, the payment operating institution system pays the payee.

[0075] In an embodiment of the present invention, the payment-end system displays the target graphic code to the payment-end system. The payment-end system obtains the target character string by scanning the target graphic code, and then performs a series of strict checks on the target character string to ensure the security, authenticity and timeliness of the transaction information. If the check fails, the payment-end system refuses to pay the payee. If the check passes, the payment-end system notifies the payment operator system to pay the payee. After receiving the payment notification, the payment operator system pays the designated wallet of the payee.

[0076] Optionally, the step of the payment end system verifying the target character string includes: the payment end system parsing the target character string based on a preset character string format to obtain the identity information and wallet information, digital signature and signature validity period of the payee; the payment end system verifying the target character string includes: verifying whether the identity information belongs to the payee list, verifying whether the digital signature is valid, and verifying whether the current time is within the signature validity period; the conditions for the target character string verification to pass include: the identity information in the target character string belongs to the payee list, the digital signature is valid and the current time is within the signature validity period, wherein the conditions for the digital signature to be valid include: the digital signature has not been tampered with.

[0077] It should be noted that when the payment system performs a series of strict checks on the target string, it usually includes the following checks: comparison of identity information with the payee list, validity check of the digital signature, and check of the signature validity period.

[0078] The payment system first parses the target string to obtain the identity information and wallet information, digital signature and signature validity period of the payee. The payment system compares the parsed identity information with the payee list pre-entered by the payment system. If the identity information completely matches an item in the list, it indicates that the payee is a legitimate payee confirmed by the payee, and the identity information verification is passed.

[0079] At the same time, the payment system will check whether the digital signature in the target string is valid. If the digital signature is tampered with or incomplete, the digital signature is deemed invalid and the transaction will be terminated immediately. The transaction will only continue if the digital signature is valid. When verifying whether the digital signature is valid, the PKI verification system can be used. The PKI verification system is an architecture that provides system information security services based on public keys and digital certificates. It can verify whether the digital signature is valid and ensure the confidentiality, integrity and security of the transaction.

[0080] In addition, the payment system will also confirm whether the current transaction time is within the validity period of the signature. If the current time exceeds the time range specified in the signature validity period, the payment system will reject the transaction and require the payee to re-initiate the payment request.

[0081] When the payment system completes all the above verifications and determines that all verification conditions are passed, the payment system will generate a payment request and send the payment request to the payment operation agency system, notifying the payment operation agency system to pay the payee.

[0082] Optionally, the step of the payment operating institution system paying the payee includes: the payment end system generates a payment request based on the identity information and wallet information in the target character string, and sends the payment request to the payment operating institution system; the payment operating institution system pays the designated wallet of the payee based on the payment request, wherein the designated wallet is obtained from the wallet information in the payment request; and the payment end system records the payment result.

[0083] It should be noted that when the payment system completes the verification of the target string and the verification passes, the payment system generates a payment request based on the identity information and wallet information in the target string, and sends the payment request to the payment operator system. The payment request contains the identity information, wallet information and payment amount of the payee, among which the wallet information specifies the real-name authentication wallet used by the payee to receive the payment. After receiving the payment request, the payment operator system pays the designated wallet of the payee according to the information contained in the payment request, and completes the payment to the payee.

[0084] After the payment is issued, the payment system records the payment result, which may include the time, amount, and identity information of the payee. By recording the payment result of each payment, duplicate payments can be avoided. At the same time, the recorded payment results can be used for future inquiries and audits.

[0085] Figure 2 is a structural diagram of an optional payment method based on a real-name authentication wallet according to an embodiment of the present invention, such as Figure 2 As shown, the payment and collection system based on the real-name authentication wallet includes: a payee, a payee, a payment terminal system, a payment terminal system, a payment operating agency system, and a payment operating agency system, wherein the payment terminal system is a mobile terminal application and background system bound to the real-name authentication wallet.

[0086] exist Figure 2In the payment system, the first step is: the payer enters the payee list in the payment system, and the payee list contains the identity information and payment amount of all payees; the second step is: the payee initiates the "real-name payment graphic code display function" in the payment system; the third step is: the payment system generates a payment request based on the identity information and wallet information of the payee, and sends the payment request to the payment operation agency system; the fourth step is: the payment operation agency system verifies the matching of the identity information and wallet information in the payment request, generates a digital signature and signature validity period if the verification is passed, and then generates the target string , and returns the target string to the payment system; the fifth step is: the payment system generates and displays the target graphic code, which contains the identity information, wallet information, digital signature and signature validity period of the payee; the sixth step is: the payment system scans the target graphic code displayed by the payment system to obtain information; the seventh step is: the payment system verifies the obtained information; the eighth step is: the payment system verifies the obtained information, and if the verification passes, notifies the payment operation agency system to pay the payee; the ninth step is: the payment operation agency system pays the payee's designated wallet.

[0087] The steps provided by the above-mentioned payment and collection method based on real-name authentication wallet are as follows: the payer enters the payee list in the payment end system and sends a prepayment notification to the payee; the payee initiates the real-name payment graphic code display function in the payment end system; the payment end system generates a payment request based on the identity information and wallet information of the payee, and sends the payment request to the payment operation agency system, wherein the wallet specified by the wallet information is a real-name authentication wallet; then the payment operation agency system generates a digital signature and signature validity period based on the payment request, generates a target string based on the digital signature and signature validity period, and sends the target string to the payment end system; the payment end system generates a target graphic code based on the target string; finally, the payment end system scans the target graphic code to obtain the target string; the payment end system verifies the target string; and if the verification passes, the payment operation agency system pays the payee.

[0088] In the embodiment of the present invention, the payee only needs to open the payee system and initiate the "real-name payment graphic code display function" to complete the real-name verification and payment operation in one step. The payee does not need to perform cumbersome identity document verification and signature operations, which not only greatly improves the efficiency of identity verification and payment issuance, but also enhances the user experience. At the same time, by directly transferring the amount of money to the real-name authentication wallet designated by the payee, it avoids the situation of false or wrong payment of money, and by using digital signatures and signature validity periods to protect key information, it improves the security and authenticity of payment issuance, thereby solving the technical problems of low identity verification efficiency and poor security when issuing money in related technologies.

[0089] The following is a detailed description in conjunction with another embodiment.

[0090] Embodiment 2

[0091] A payment and collection device based on a real-name authentication wallet provided in this embodiment includes multiple implementation units, each of which corresponds to each implementation step in the above-mentioned embodiment 1.

[0092] Figure 3 is a schematic diagram of an optional payment and collection device based on a real-name authentication wallet according to an embodiment of the present invention, such as Figure 3 As shown, the payment and collection device based on the real-name authentication wallet is applied to the payment and collection system based on the real-name authentication wallet. The payment and collection system based on the real-name authentication wallet includes: a payment end system, a payment end system, a payment collection operation agency system and a payment operation agency system. The payment and collection device based on the real-name authentication wallet may include: an input unit 30, a first generation unit 31, a second generation unit 32, a third generation unit 33, and a payment unit 34.

[0093] The input unit 30 is used for the payer to input the payee list in the payment end system and send a prepayment notice to the payee, wherein the payee list includes: identity information of all payees and the amount of payment;

[0094] The first generating unit 31 is used for the payee to initiate a real-name payment graphic code display function in the payment terminal system. The payment terminal system generates a payment request based on the identity information and wallet information of the payee, and sends the payment request to the payment operating institution system, wherein the wallet specified by the wallet information is a real-name authentication wallet;

[0095] The second generating unit 32 is used for the payment collection operation institution system to generate a digital signature and a signature validity period based on the payment collection request, generate a target string based on the digital signature and the signature validity period, and send the target string to the payment collection end system, wherein the digital signature includes a digital string for verifying the authenticity and integrity of the information;

[0096] The third generating unit 33 is used for the payment terminal system to generate a target graphic code based on the target character string;

[0097] The payment unit 34 is used for the payment end system to scan the target graphic code and obtain the target character string. The payment end system verifies the target character string. If the verification passes, the payment operation institution system pays the payee.

[0098] Optionally, the input unit 30 includes: an input module, which is used by the payer to input the identity information and the amount of the payee in the interface of the payment end system; and an import module, which is used by the payer to import a complete list of payees into the payment end system.

[0099] Optionally, the second generation unit 32 includes: a verification module, which is used for the payment operation agency system to receive the payment request and verify whether the wallet information and identity information in the payment request match before the payment operation agency system generates a digital signature and signature validity period based on the payment request; a matching module, which is used for the payment operation agency system to generate a digital signature and signature validity period when the wallet information and identity information in the payment request match.

[0100] Optionally, the second generating unit 32 further includes: a first execution module, configured to generate a target string according to a preset string format based on the digital signature and the signature validity period, wherein the target string includes: the identity information and wallet information of the payee, the digital signature and the signature validity period.

[0101] Optionally, the payment unit 34 includes: a parsing module, which is used for the payment end system to parse the target string based on a preset string format to obtain the identity information and wallet information, digital signature and signature validity period of the payee; a first verification module, which is used for the payment end system to verify the target string, including: verifying whether the identity information belongs to the payee list, verifying whether the digital signature is valid, and verifying whether the current time is within the signature validity period; a second verification module, which is used for the conditions for passing the target string verification, including: the identity information in the target string belongs to the payee list, the digital signature is valid, and the current time is within the signature validity period, wherein the conditions for the digital signature to be valid include: the digital signature has not been tampered with.

[0102] Optionally, the payment unit 34 also includes: a second execution module, which is used for the payment end system to generate a payment request based on the identity information and wallet information in the target character string, and send the payment request to the payment operation agency system; a third execution module, which is used for the payment operation agency system to pay the designated wallet of the payee based on the payment request, wherein the designated wallet is obtained from the wallet information in the payment request; and a recording module, which is used for the payment end system to record the payment result.

[0103] In the above-mentioned payment and collection device based on the real-name authentication wallet, in the input unit 30, the payer inputs the payee list in the payment end system and sends a prepayment notice to the payee. In the first generation unit 31, the payee initiates the real-name payment graphic code display function in the payment end system. The payment end system generates a payment request based on the identity information and wallet information of the payee, and sends the payment request to the payment operation agency system, wherein the wallet specified by the wallet information is a real-name authentication wallet. Then in the second generation unit 32, the payment operation agency system generates a digital signature and a signature validity period based on the payment request, generates a target string based on the digital signature and the signature validity period, and sends the target string to the payment end system. In the third generation unit 33, the payment end system generates a target graphic code based on the target string. Finally, in the payment unit 34, the payment end system scans the target graphic code to obtain the target string. The payment end system verifies the target string. If the verification passes, the payment operation agency system pays the payee.

[0104] In the embodiment of the present invention, the payee only needs to open the payee system and initiate the "real-name payment graphic code display function" to complete the real-name verification and payment operation in one step. The payee does not need to perform cumbersome identity document verification and signature operations, which not only greatly improves the efficiency of identity verification and payment issuance, but also enhances the user experience. At the same time, by directly transferring the amount of money to the real-name authentication wallet designated by the payee, it avoids the situation of false or wrong payment of money, and by using digital signatures and signature validity periods to protect key information, it improves the security and authenticity of payment issuance, thereby solving the technical problems of low identity verification efficiency and poor security when issuing money in related technologies.

[0105] The above-mentioned payment and collection device based on the real-name authentication wallet may also include a processor and a memory. The above-mentioned input unit 30, the first generation unit 31, the second generation unit 32, the third generation unit 33, the payment unit 34, etc. are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize the corresponding functions.

[0106] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the payment and collection operations based on the real-name authentication wallet can be performed by adjusting the kernel parameters.

[0107] The above-mentioned memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash memory (fl ash RAM), and the memory includes at least one storage chip.

[0108] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is further provided, the computer-readable storage medium including a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the payment and collection methods based on the real-name authentication wallet in the above-mentioned embodiment 1.

[0109] According to another aspect of an embodiment of the present invention, an electronic device is also provided, including one or more processors and a memory, the memory being used to store one or more programs, wherein when the one or more programs are executed by one or more processors, the one or more processors implement the payment method based on the real-name authentication wallet of any one of the above-mentioned embodiments one.

[0110] The present application also provides a computer program product, including a computer program, which, when executed by a processor, implements the steps of the payment and collection method based on the real-name authentication wallet described in each embodiment of the present application.

[0111] The present application also provides a computer program product, including a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the payment method based on the real-name authentication wallet described in each embodiment of the present application are implemented.

[0112] Figure 4 1 is a hardware structure block diagram of an electronic device (or mobile device) that executes a payment method based on a real-name authentication wallet according to an embodiment of the present invention. Figure 4 As shown, the electronic device may include one or more ( Figure 4 402a, 402b, ..., 402n are used to illustrate) a processor (the processor may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), and a memory 404 for storing data. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the I / O interface), a network interface, a keyboard, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 4 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 4 More or fewer components as shown, or with Figure 4 Different configurations are shown.

[0113] The serial numbers of the above embodiments of the present invention are only for description and do not represent the advantages or disadvantages of the embodiments.

[0114] In the above embodiments of the present invention, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0115] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units can be a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0116] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0117] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0118] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes.

[0119] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principle of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A payment method based on a real-name authentication wallet, characterized in that: Applied to a payment collection system based on a real-name authentication wallet, the payment collection system based on a real-name authentication wallet includes: a payment end system, a payment end system, a payment collection operation institution system and a payment operation institution system, and the payment collection method includes: The payer enters a payee list in the payment end system and sends a prepayment notice to the payee, wherein the payee list includes: identity information of all payees and payment amount; The payee initiates a real-name payment graphic code display function in the payment terminal system, and the payment terminal system generates a payment request based on the identity information and wallet information of the payee, and sends the payment request to the payment operation institution system, wherein the wallet specified by the wallet information is a real-name authentication wallet; The payment collection operating institution system generates a digital signature and a signature validity period based on the payment collection request, generates a target string based on the digital signature and the signature validity period, and sends the target string to the payment collection end system, wherein the digital signature includes a digital string for verifying the authenticity and integrity of the information; The payment terminal system generates a target graphic code based on the target character string; The payment end system scans the target graphic code to obtain the target character string, and the payment end system verifies the target character string. If the verification passes, the payment operation institution system pays the payee.

2. The payment method according to claim 1, characterized in that: The input method of the payee list includes: The payer enters the identity information and payment amount of the payee in the interface of the payment terminal system; The payer imports the complete payee list into the payment end system.

3. The payment method according to claim 1, characterized in that: Before the payment collection operating institution system generates a digital signature and a signature validity period based on the payment collection request, it includes: The payment collection operation institution system receives the payment collection request and verifies whether the wallet information and identity information in the payment collection request match; When the wallet information in the payment request matches the identity information, the payment operation institution system generates the digital signature and the validity period of the signature.

4. The payment method according to claim 1, characterized in that: The step of generating a target character string based on the digital signature and the signature validity period includes: generating the target character string based on the digital signature and the signature validity period in accordance with a preset character string format, wherein the target character string includes: the identity information and wallet information of the payee, the digital signature and the signature validity period.

5. The payment method according to claim 1, characterized in that: The step of the payment end system verifying the target character string includes: The payment end system parses the target string based on a preset string format to obtain the identity information and wallet information of the payee, the digital signature and the validity period of the signature; The payment end system verifies the target character string, including: verifying whether the identity information belongs to the payee list, verifying whether the digital signature is valid, and verifying whether the current time is within the validity period of the signature; The conditions for passing the target string verification include: the identity information in the target string belongs to the payee list, the digital signature is valid and the current time is within the validity period of the signature, wherein the conditions for the digital signature to be valid include: the digital signature has not been tampered with.

6. The payment method according to claim 1, characterized in that: The step of the payment operation institution system paying the payee includes: The payment end system generates a payment request based on the identity information and wallet information in the target string, and sends the payment request to the payment operation institution system; The payment operating institution system pays the designated wallet of the payee based on the payment request, wherein the designated wallet is obtained from the wallet information in the payment request; The payment end system records the payment result.

7. The payment method according to claim 1, characterized in that: include: The payment terminal system is a mobile terminal application and a background system bound to a real-name authentication wallet. The payment terminal system also includes: the real-name payment graphic code display function. The payee initiates the real-name payment graphic code display function in the payment terminal system. The mobile terminal application includes at least one of the following: financial institution application software, digital currency application software, and third-party application software bound to a real-name authentication wallet; The payment end system is a device and a backend system with payment and code scanning functions; The payment collection operating institution system is an operating system with payment collection request verification function and digital signature generation function; The payment operation institution system is an operation system with payment function.

8. A payment device based on a real-name authentication wallet, characterized in that: Applied to a payment collection system based on a real-name authentication wallet, the payment collection system based on a real-name authentication wallet includes: a payment end system, a payment collection end system, a payment collection operation institution system and a payment operation institution system, and the payment collection device includes: An input unit is used for the payer to input a payee list in the payment terminal system and send a prepayment notice to the payee, wherein the payee list includes: identity information of all payees and payment amount; A first generating unit is used for the payee to initiate a real-name payment graphic code display function in the payment terminal system, the payment terminal system generates a payment request based on the identity information and wallet information of the payee, and sends the payment request to the payment operating institution system, wherein the wallet specified by the wallet information is a real-name authentication wallet; A second generating unit is used for the payment collection operating institution system to generate a digital signature and a signature validity period based on the payment collection request, generate a target string based on the digital signature and the signature validity period, and send the target string to the payment collection end system, wherein the digital signature includes a digital string for verifying the authenticity and integrity of the information; A third generating unit, used for the payment terminal system to generate a target graphic code based on the target character string; The payment unit is used for the payment end system to scan the target graphic code and obtain the target character string. The payment end system verifies the target character string. If the verification passes, the payment operation institution system pays the payee.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored computer program, wherein when the computer program is executed, the device where the computer-readable storage medium is located is controlled to execute the payment method based on the real-name authentication wallet according to any one of claims 1 to 7.

10. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the payment method based on the real-name authentication wallet as described in any one of claims 1 to 7.

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