Electronic delivery payment mode between trusted hardware

Abstract

The invention discloses an electronic delivery payment mode between credible hardware, which has the core value that electronic delivery is finished immediately by verifying judicial identities of a receiver and a payer at the same time when payment is carried out at the moment; the method comprises a step of generating a Chinese-sensible code used for payment and a payment applet between trusted hardware. By means of the application function of'one object with one code 'of the Chinese-sensible code, information (including IC card information, magnetic code information and electronic information) with a payment function is associated with a product, an encrypted ID Chinese-sensible code is generated and edited into the Chinese-sensible code containing a payment application program, when payment is needed, electronic confirmation and electronic delivery are completed through trusted hardware (mobile phone), and the payment efficiency is improved. And payment is completed immediately. The risk of password verification and two-dimensional code copying is avoided, the risk of anonymous payment without content is avoided, the whole process runs through the credibility of judicial identity, and 100%, zero risk, credibility and traceability are ensured.

Description

Technical Field

[0001] The present invention relates to a future electronic payment method, in particular to an electronic settlement payment method from one trusted hardware to another trusted hardware via Hanxin code. Background Art

[0002] With the continuous development of electronic technology, the use of mobile terminals for account payments is becoming more and more common. Through mobile terminals, mobile terminals are further associated and encrypted, established as trusted hardware, and point-to-point fund transfers are completed with trusted hardware, thereby realizing trusted payment. With the rise and development of 5G technology, mobile phones have become more convenient transaction terminals. In recent years, the rapid development of China's Internet of Things and the increasing popularity have laid the most solid foundation for the rapid development of electronic transactions. Hanxin Code is a state-owned intellectual property, and it is the only QR code that can be edited in Chinese and recognized by the international GS1 organization for global use. In summary, the payment method based on Hanxin Code is likely to become a global universal payment code, so the research on electronic delivery payment methods between trusted hardware is of great significance.

[0003] At present, the most commonly used electronic identification payment method is to scan a QR code (actually a Japanese patented QR code). However, there are serious security risks. QR codes can be photographed and copied, but there is no consumption content, no trusted chain or electronic track, no sense of security, and offline payment is not allowed. Summary of the invention

[0004] The purpose of the present invention is to overcome the deficiencies of the prior art and provide an electronic payment method based on the net with identity Internet of Things network with the help of Hanxin code data automatic identification. Core value: At the moment of payment, the judicial identities of both the payee and the payee are verified at the same time, and the electronic delivery is completed immediately. It includes a step of generating a Hanxin code for payment and a step of paying with Hanxin code. With the help of the application function of "one object one code" of Hanxin code, the present invention associates the information with payment function (including IC card information, magnetic code information and electronic information) with the encrypted ID Hanxin code of the product, and edits it into a Hanxin code containing a payment application. When payment is required, the instant payment is completed by electronic confirmation and electronic delivery through trusted electronic hardware such as mobile phones. Avoid the risks of password verification and QR code copying, avoid the risk of anonymous payment without content, and the credibility of the judicial identity runs through the whole process, so as to complete the fast electronic payment while ensuring 100% security, trustworthiness and traceability.

[0005] To achieve the above object, the present invention provides the following technical solutions:

[0006] An electronic delivery payment method between trusted hardware. Under the net with identity 5G Internet of Things, it is a new payment method completed through electronic confirmation. It is faster and safer. It changes the traditional third-party credit verification system by actively uploading. It includes: the generation of trusted hardware, a Hanxin code generation step for payment, and a Hanxin code payment applet.

[0007] Download [GENE AI] APP and register:

[0008] 1) Complete the real-name authentication according to the steps and obtain the judicial identity encryption ID;

[0009] 2) Read the serial number of the mobile phone chip, bind it to the judicial identity encryption ID, and form trusted hardware under the judicial identity;

[0010] 3) Use the judicial identity encryption ID to associate the Beidou sub-meter-level geographic location and timestamp to establish a personal judicial identity trusted chain, hereinafter referred to as the personal founding block; thus generating the application track of the personal mobile phone, a trusted hardware that is never left in hand, on the trusted chain.

[0011] Further steps to generate the Hanxin code for payment:

[0012] S101: Get the encrypted ID Hanxin code of the product. This code is the product information and electronic fence under the personal founding block of the product legal person. It can be further edited to generate the consumption Hanxin code according to the actual consumption of the user;

[0013] S102: The safest wallet for digital currency is not the software wallet launched by banks, but the hardware wallet based on trusted hardware; obtain the IC information of the payment card with payment function and the trusted hardware bundled with the personal judicial identity; edit it into a trusted payment hardware application applet that is compatible with IC card information, magnetic code information and electronic information;

[0014] S103: Consuming Hanxin Code and binding a trusted payment application to generate a Hanxin Code for receiving or paying money;

[0015] S104: The trusted payment application transmits the generated Hanxin code with payment function to the cloud server for storage.

[0016] Furthermore, the Hanxin code payment steps include:

[0017] S201: The commodity seller enters and identifies the commodity information selected by the user and obtains the consumption amount; at the same time, the merchant is given his own identity ID and a consumption Hanxin code is generated immediately, which can be scanned and counted by the commodity seller;

[0018] S202: Consuming Hanxin Code and binding a trusted payment application to instantly generate a Hanxin Code for payment or receipt;

[0019] S203: Once the payment and receipt Hanxin code is read, the trusted payment application instantly verifies the trusted hardware;

[0020] S204: Verification passed, immediate payment; if the information is incorrect, return to S203 for re-reading; up to 5 times;

[0021] S205: The trusted payment application transmits the completed payment result to the cloud server for storage.

[0022] Furthermore, the generation characteristics of the Hanxin code are:

[0023] 1) The encrypted ID of the product generated by the Hanxin Code main server can be written into the RFID chip. The RFID encryption area has a 48K reserved blank area, which can be used to remotely write the product's inspection information, logistics information, and delivery information;

[0024] 2) Because product information has corresponding electronic fences and is associated with personal trusted hardware, it has credibility; photos or copies cannot pass the verification, thus effectively preventing counterfeiting and shoddy products;

[0025] 3) Hanxin Code is transferred from one trusted hardware to another trusted hardware, so Hanxin Code completes a trusted electronic delivery through electronic identification.

[0026] Furthermore, the payment application features are:

[0027] 1) Trusted payment applications complete electronic settlement with electronic confirmation from trusted hardware, covering a variety of payment card information including compatible IC card information, magnetic code information and electronic information;

[0028] 2) Trusted payment applications are based on peer-to-peer payments, with trusted hardware paying trusted hardware;

[0029] 3) Trusted payments can still be completed offline; supported by electronic tracks of trusted hardware.

[0030] Furthermore, the payment path characteristics are:

[0031] 1) Associated credibility, describing the electronic payment path through trusted hardware tracks, and completing electronic delivery with electronic confirmation;

[0032] 2) Using trusted hardware to complete electronic payment of digital currency through electronic confirmation is equivalent to paying electronic currency through electronic paths. It is particularly suitable for bundling digital RMB, which is currently the only digital legal currency in the world, and payment can be completed even when offline.

[0033] Compared with the prior art, the present invention has the following beneficial effects:

[0034] 1) Trusted payment applications complete electronic settlement with electronic confirmation, covering a variety of payment card information including compatible IC card information, magnetic code information and electronic information;

[0035] 2) Trusted payment applications are based on peer-to-peer payments, with trusted hardware paying trusted hardware;

[0036] 3) Payment can still be completed offline. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] Figure 1 The present invention is a flow chart of generating the Hanxin code;

[0038] Figure 2 This is a Hanxin code payment flow chart of the present invention;

[0039] Figure 3 This is a flowchart of the electronic payment of the present invention. DETAILED DESCRIPTION

[0040] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions 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 part of the embodiments of the present invention, not all of the embodiments. Generally, the components of the embodiments of the present invention described and shown in the drawings here can be arranged and designed in various different configurations.

[0041] In the description of the embodiments of the present invention, it should be noted that if the terms "center", "upper", "lower", "left", "right", "vertical", "horizontal", "inner", "outer", etc. appear, the orientation or position relationship indicated is based on the orientation or position relationship shown in the drawings, or the orientation or position relationship in which the invented product is usually placed when used. It is only for the convenience of describing the present invention and simplifying the description, and does not indicate or imply that the device or element referred to must have a specific orientation, be constructed and operate in a specific orientation, and therefore cannot be understood as a limitation on the present invention. In addition, the terms "first", "second", "third", etc. are only used to distinguish the description, and cannot be understood as indicating or implying relative importance.

[0042] In addition, the terms "horizontal", "vertical", "overhanging" and the like do not mean that the components must be absolutely horizontal or overhanging, but can be slightly tilted. For example, "horizontal" only means that its direction is more horizontal than "vertical", and does not mean that the structure must be completely horizontal, but can be slightly tilted.

[0043] In the description of the embodiments of the present invention, "plurality" means at least 2.

[0044] In the description of the embodiments of the present invention, it is also necessary to explain that, unless otherwise clearly specified and limited, the terms "set", "install", "connect", and "connect" should be understood in a broad sense, for example, it can be a fixed connection, a detachable connection, or an integral connection; it can be a mechanical connection or an electrical connection; it can be a direct connection, or it can be indirectly connected through an intermediate medium, or it can be the internal connection of two components. For ordinary technicians in this field, the specific meanings of the above terms in the present invention can be understood according to specific circumstances.

[0045] Example:

[0046] like Figure 1 As shown, the steps of generating the Hanxin code include:

[0047] S101: Obtain the encrypted ID Hanxin code of the product (this code includes product information and the personal creation block of the product owner), and further edit and generate the consumption Hanxin code according to the user's actual consumption;

[0048] S102: Obtain IC information of a payment card with payment function; or a digital RMB wallet; or trusted hardware bundled with an individual’s judicial identity; edit into a trusted payment application compatible with IC card information, magnetic code information, and electronic information

[0049] S103: Consumption Hanxin Code is bundled with a trusted payment application to generate a payment Hanxin Code;

[0050] S104: The trusted payment application transmits the generated Hanxin code with payment function to the cloud server for storage.

[0051] like Figure 2 As shown, the steps of the Hanxin code payment process include:

[0052] S201: The commodity seller enters and identifies the commodity information selected by the user and obtains the consumption amount; the consumption Hanxin code is generated immediately; (the consumption Hanxin code can be scanned by the commodity seller)

[0053] S202: Consumption Hanxin Code bundled with payment application to instantly generate payment Hanxin Code

[0054] S203: Once the payment Hanxin code is read, the user instantly verifies the personal genesis block through the payment application;

[0055] S204: If the verification is successful, the payment is completed immediately; if the information is incorrect, return to S203 for re-reading;

[0056] S205: The trusted payment application transmits the completed payment result to the cloud server for storage.

[0057] like Figure 3As shown, the Hanxin code electronic payment process includes:

[0058] S301: Once the payment Hanxin code is read, the user instantly verifies the personal genesis block through the payment application;

[0059] S302: If the verification is successful, the payment is completed immediately; if the information is incorrect, return to S203 for re-reading;

[0060] S303: The trusted payment application transmits the completed payment result to the cloud server for storage.

[0061] After the settlement is completed, the trusted payment application will feedback the settlement receipt to the product seller and the paying user, thus completing the payment settlement.

[0062] The product birth encrypted ID generated by the Hanxin Code main server is a one-to-one code for each item. It cannot be photographed or copied. The encryption area is associated with the geographic location and timestamp in the background; the security is 100% and the risk is zero. Data and graphics are automatically identified electronically.

[0063] The card information of the payment card described in the present invention includes but is not limited to the IC information of the payment card with payment function; or a software digital RMB wallet; or trusted hardware bundled with an individual's judicial identity; and is compatible with IC card information, magnetic code information, and electronic information.

[0064] The application market of this invention is huge. It cleverly brings product traceability into various application scenarios. Users not only enjoy the convenience of electronic confirmation and electronic delivery, but can also directly generate a new round of orders based on the Hanxin Code, and enjoy the huge benefits of "no intermediate costs and institutional costs".

[0065] This invention has a huge market for future development. Hanxin Code is bundled with digital RMB, which cleverly brings digital RMB into various application scenarios, completely replaces e-commerce platforms, and forms a new generation of [user-----product] electronic transaction platform.

[0066] The above is only a preferred embodiment of the invention. It should be understood that the present invention is not limited to the form disclosed herein, and should not be regarded as excluding other embodiments, but can be used in various other combinations, modifications and environments, and can be modified within the scope of the concept described herein through the above teachings or the technology or knowledge of the relevant field. The changes and modifications made by those skilled in the art shall not deviate from the spirit and scope of the present invention, and shall be within the scope of protection of the claims attached to the present invention.

Claims

1. An electronic delivery payment method between trusted hardware. Under the net with identity 5G Internet of Things, it is a new payment method completed through electronic confirmation, which is faster and safer. Its characteristics are: The traditional third-party credit verification system has been changed by actively uploading, including: the generation of trusted hardware, a Hanxin code generation step for payment, and a Hanxin code payment applet; Download [GENE AI] APP and register: 1) Complete the real-name authentication according to the steps and obtain the judicial identity encryption ID; 2) Read the serial number of the mobile phone chip, bind it to the judicial identity encryption ID, and form trusted hardware under the judicial identity; 3) Use the judicial identity encryption ID to associate the Beidou sub-meter-level geographic location and timestamp to establish a personal judicial identity trusted chain, hereinafter referred to as the personal founding block; thus generating the application track of the personal mobile phone, a trusted hardware that is never left in hand, on the trusted chain.

2. The electronic settlement payment method between trusted hardware according to claim 1, characterized in that: Steps to generate Hanxin code for payment: S101: Get the encrypted ID Hanxin code of the product. This code is the product information and electronic fence under the personal founding block of the product legal person. It can be further edited to generate the consumption Hanxin code according to the actual consumption of the user; S102: The safest wallet for digital currency is not the software wallet launched by banks, but the hardware wallet based on trusted hardware; the trusted hardware that obtains the IC information of the payment card with payment function and is bound to the personal judicial identity; Edited into a trusted payment hardware application applet that is compatible with IC card information, magnetic code information, and electronic information; S103: Consuming Hanxin Code and binding a trusted payment application to generate a Hanxin Code for payment or receipt; S104: The trusted payment application transmits the generated Hanxin code with payment function to the cloud server for storage.

3. The electronic settlement payment method between trusted hardware according to claim 1, characterized in that: The Hanxin code payment steps include: S201: The commodity seller enters and identifies the commodity information selected by the user and obtains the consumption amount; at the same time, the merchant is given his own identity ID and a consumption Hanxin code is generated immediately, which can be scanned and counted by the commodity seller; S202: Consuming Hanxin Code and binding a trusted payment application to instantly generate a Hanxin Code for payment or receipt; S203: Once the payment and receipt Hanxin code is read, the trusted payment application instantly verifies the trusted hardware; S204: Verification passed, immediate payment; if the information is incorrect, return to S203 for re-reading; up to 5 times; S205: The trusted payment application transmits the completed payment result to the cloud server for storage.

4. The electronic settlement payment method between trusted hardware according to claim 1, characterized in that: The characteristics of the Hanxin code generation are: 1) The encrypted ID of the product generated by the Hanxin Code main server can be written into the RFID chip. The RFID encryption area has a 48K reserved blank area, which can be used to remotely write the product's inspection information, logistics information, and delivery information; 2) Because product information has corresponding electronic fences and is associated with personal trusted hardware, it has credibility; photos or copies cannot pass the verification, thus effectively preventing counterfeiting and shoddy products; 3) Hanxin Code is transferred from one trusted hardware to another trusted hardware, so Hanxin Code completes a trusted electronic delivery through electronic identification.

5. The electronic settlement payment method between trusted hardware according to claim 1, characterized in that: Its payment application features are: 1) Trusted payment applications complete electronic settlement with electronic confirmation from trusted hardware, covering a variety of payment card information including compatible IC card information, magnetic code information and electronic information; 2) Trusted payment applications are based on peer-to-peer payments, with trusted hardware paying trusted hardware; 3) Trusted payments can still be completed offline; supported by electronic tracks of trusted hardware.

6. The electronic settlement payment method between trusted hardware according to claim 1, characterized in that: The payment path characteristics are: 1) Associated credibility, describing the electronic payment path through trusted hardware tracks, and completing electronic delivery with electronic confirmation; 2) Using trusted hardware to complete electronic payment of digital currency through electronic confirmation is equivalent to paying electronic currency through electronic paths. It is particularly suitable for bundling digital RMB, which is currently the only digital legal currency in the world, and payment can be completed even when offline.

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