CN102722816A - Mobile payment method, system and device - Google Patents
Mobile payment method, system and device Download PDFInfo
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- CN102722816A CN102722816A CN2012101652588A CN201210165258A CN102722816A CN 102722816 A CN102722816 A CN 102722816A CN 2012101652588 A CN2012101652588 A CN 2012101652588A CN 201210165258 A CN201210165258 A CN 201210165258A CN 102722816 A CN102722816 A CN 102722816A
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Abstract
The invention discloses a mobile payment method, a mobile payment system and a mobile payment device. The method comprises the following steps that: a payment document identification device verifies the related information of a payee and a payer; after the payer confirms that the payee has the permission to use the payment document identification device, a server sends the information of the payee to a payment terminal; the payer inputs the information such as payment amount to the payment terminal and inputs a password according to a password comparison table transmitted by the server; and the server deducts the payment amount to finish mobile payment procedure after verifying the password. By using the method, the system and the device, the security of wireless payment can be increased effectively; and the manufacturing cost of wireless payment equipment can be reduced.
Description
Technical field
The present invention relates to the mobile payment technical field, relate in particular to a kind of method, system and device of mobile payment.
Background technology
At present, in financial mobile payment field, mobile payment is widely used.Mobile payment provides a safety, quick and easy E-business applications environment and online capital settlement instrument for the enterprises and individuals.The collecting fast of sales payment that not only helped enterprises implement shortened the gathering cycle, also for the individual client of Web bank consumption online payment and settlement mode is provided simultaneously, makes the client really accomplish to stay indoors shopping online.
In the prior art, the terminal connects wireless network through SIM, and payment information is at first sent to Unionpay's platform; Can the information of withholing be sent to issuing bank after Unionpay's land identification relevant information, after issuing bank confirms, postback information to Unionpay platform again; After Unionpay confirms; Can be more information processed be sent to preposition terminal, the information after the affirmation is received at the terminal, prints document then.
The transaction flow of wireless POS machine is specially in the prior art, and at first, wireless POS machine is gathered user data; In wireless environment, send GPRS and insert request, under the unimpeded condition of circuit, send data to GPRS network; Data are delivered to the mobile information service device through GPRS network, through operator's data network, gather the apps server of commmunication company; Apps server is through after the data processing, through special line data sent to the fire wall of bank, after security data packet inspection and IP address translation; Data are delivered to the bank POS server; Data turn back to the POS server through after intermediate business platform, the bank's account host process, and the POS server is given information feedback the apps server of commmunication company; The apps server of commmunication company returns to the corresponding mobile information server with reply data, and wireless POS is printed the transaction voucher.
The major defect that technique scheme exists is: the first, and security is not enough.If after obtaining other people bank card number and password; Through imitated bank card; Just can reach the purpose of stealing fund in the card, and user cipher just can obtain easily as long as be implanted into the button monitoring software at the mobile payment terminal; The safety practice of taking in the present technical scheme all can't be eliminated this hidden danger; The second, equipment cost is too high.The mobile payment terminal hardware comprises CUP, storer, input equipment, display screen, printer, card reader and wireless communication module etc., and cost is high; The 3rd, toll collector's identity can't be confirmed, brings certain risk to mobile payment.
Summary of the invention
The method, system and device of a kind of mobile payment that the objective of the invention is to propose; Can solve in portable terminal is swiped the card payment; The hidden danger of stealing bank card information that possibly occur increases the security of mobile payment, and reduces the manufacturing cost of mobile payment device.
Main thought of the present invention is the relevant information through evidence for payment recognition device checking beneficiary and paying party; After paying party confirms that beneficiary has authority to use the evidence for payment recognition device; Server sends to payment terminal with beneficiary information; Paying party is imported information such as payment to payment terminal, and according to the password table of comparisons input password that server sends, deducts payment behind the server authentication password and accomplish the mobile payment formality.
For reaching this purpose, the present invention adopts following technical scheme:
According to an aspect of the present invention, a kind of method of mobile payment is provided, has comprised step:
A, on the payment terminal of beneficiary the number at input beneficiary user name, password and paying party terminal, payment terminal sends to the evidence for payment recognition device with the number at beneficiary user name, password and paying party terminal;
B, evidence for payment recognition device send to server with the number at beneficiary user name, password, paying party terminal and the unique ID number encryption back of evidence for payment recognition device through payment terminal;
After the number at C, server deciphering acquisition beneficiary user name, password, paying party terminal and the unique ID number of evidence for payment recognition device; According to the relation between the unique ID number of beneficiary username and password of storing in advance and evidence for payment recognition device; Judge whether beneficiary has authority to use the evidence for payment recognition device; If then go to step e, otherwise go to step D;
D, server send lack of competence information and give payment terminal and paying party terminal, and flow process finishes;
E, server send beneficiary information and show to payment terminal; Be used for paying party and confirm beneficiary information; And server is according to the number at the paying party terminal of receiving; Send beneficiary information and payment terminal information and give the paying party terminal, be used for paying party and confirm beneficiary information and payment terminal information;
F, evidence for payment recognition device read the information of the evidence for payment of paying party;
G, to payment terminal input payment information; Payment terminal sends to the evidence for payment recognition device with payment information; The evidence for payment recognition device returns to payment terminal after to the information of evidence for payment and payment information encryption, and the information and the payment information of the evidence for payment after payment terminal will be encrypted send to server;
H, server deciphering obtain the information and the payment information of evidence for payment;
The number at the paying party terminal that I, server basis are received sends the password table of comparisons and payment information and gives the paying party terminal, and the password table of comparisons comprises units and big unique corresponding relation of counting, and payment information is used for paying party and confirms payment;
J, server generate big number keyboard with the big number in the password table of comparisons, will count keyboard greatly and after encrypting, send to payment terminal, and payment terminal is transmitted to evidence for payment recognition device deciphering back and obtains big number keyboard, and on payment terminal, show big number keyboard;
K, paying party are imported big several passwords of the units password of counterpart expenditure voucher according to the unique corresponding relation between units in the password table of comparisons and the big number on big several keyboards of payment terminal;
L, payment terminal will be counted password greatly and sent to the evidence for payment recognition device, and the evidence for payment recognition device will send to server through payment terminal after will counting password encryption greatly;
M, server deciphering according to the unique corresponding relation of units in the password table of comparisons with big number, obtain the units password after obtaining big number password;
N, server are confirmed the success of evidence for payment corresponding account authentication, the deduction payment through after the units password authentification.
Preferred, further comprising the steps of as technique scheme:
O, server will be paid successful information and send to payment terminal and paying party terminal;
P, payment terminal are printed pay bills according to the payment successful information.
Preferred as technique scheme, beneficiary information comprises beneficiary image information and/or beneficiary title.
Preferred as technique scheme, among step e and the step I, when the information of server transmission is received at the paying party terminal, the identity information of display server.
Preferred as technique scheme, the identity information of server comprises note/multimedia message sender number.
Preferred as technique scheme, the password table of comparisons in Preset Time effectively.
Preferred as technique scheme, among the step J, the big several keyboards that become by big number form in the password table of comparisons that show on the payment terminal are random alignment.
Preferred, further comprising the steps of as technique scheme:
Server stores evidence for payment and the corresponding relation that read the evidence for payment recognition device of said evidence for payment; When said evidence for payment is paid through the said evidence for payment recognition device that read said evidence for payment for the second time; Server sends identifying code and gives the paying party terminal; Paying party is through importing said identifying code in payment terminal, payment terminal sends to server with said identifying code, and server is confirmed back completion payment.
According to another aspect of the present invention; A kind of system of mobile payment is provided, has comprised paying party terminal, payment terminal, evidence for payment recognition device and server, be connected through communication network between paying party terminal and the server; Payment terminal is connected with the evidence for payment recognition device; Be connected through data network between payment terminal and the server, wherein
The paying party terminal is used to obtain beneficiary information and payment terminal information, obtains the password table of comparisons and payment information, obtains the payment successful information;
Payment terminal is used to input the number at beneficiary user name, password and paying party terminal, is used to import payment information, is used to show beneficiary information; Be used for showing the keyboard that becomes by the big number form of the password table of comparisons; Be used to input big several password, be used to send the unique ID number of the number and the evidence for payment recognition device at beneficiary user name, password, paying party terminal, be used for the information and the payment information of the evidence for payment of Sending Payments side; Be used to obtain beneficiary information; Be used for obtaining big several keyboards that the big number of the password table of comparisons generates, be used to obtain the payment successful information, print pay bills;
The evidence for payment recognition device is used to read the information of the evidence for payment of paying party; Be used to obtain the unique ID number of the number and the evidence for payment recognition device at beneficiary user name, password, paying party terminal, beneficiary user name, password, the number at paying party terminal and the unique ID number of evidence for payment recognition device of sending after encrypting are given payment terminal, are used to obtain the information and the payment information of the evidence for payment of paying party; Send the information and the payment information of the evidence for payment of the paying party after encrypting and give payment terminal; Be used to obtain big several keyboards of encryption, the big several keyboards that send after deciphering are given payment terminal, are used to obtain big several password; The big several passwords that send after encrypting are given payment terminal; Be used for the number at beneficiary user name, password, paying party terminal and the unique ID number of evidence for payment recognition device are encrypted, the information of the evidence for payment of paying party is encrypted, payment information is encrypted; Big several passwords are encrypted, the password table of comparisons is deciphered;
Server is used to store the corresponding relation between the unique ID number of beneficiary username and password and evidence for payment recognition device; And beneficiary information; Whether correspondingly be used to verify between the unique ID number of beneficiary username and password and evidence for payment recognition device, be used to generate the password table of comparisons, be used for the number at beneficiary user name, password, paying party terminal and the unique ID number of evidence for payment recognition device are deciphered; Information and payment information to the evidence for payment of paying party are deciphered; Big several passwords are deciphered, the password table of comparisons is encrypted, be used to obtain beneficiary user name, password, the number at paying party terminal and the unique ID number of evidence for payment recognition device of encryption; Obtain the information and the payment information of evidence for payment of the paying party of encryption; Obtain big several passwords of encryption, send the big several keyboards and the beneficiary information of encrypting and give payment terminal, be used for to count password greatly and convert the units password to according to the password table of comparisons; Be used to judge whether the units password is corresponding with the evidence for payment of paying party, send the password table of comparisons and payment information and give the paying party terminal.
According to a further aspect of the invention, a kind of evidence for payment recognition device is provided, has comprised and read to demonstrate,prove unit, message unit and encryption/decryption element, wherein,
Read to demonstrate,prove the information that the unit is used to read the evidence for payment of paying party;
Message unit is used to obtain the unique ID number of the number and the evidence for payment recognition device at beneficiary user name, password, paying party terminal; Beneficiary user name, password, the number at paying party terminal and the unique ID number of evidence for payment recognition device of sending after encrypting are given payment terminal; Be used to obtain the information and the payment information of the evidence for payment of paying party; Send the information and the payment information of the evidence for payment of the paying party after encrypting and give payment terminal, be used to obtain big several keyboards of encryption, the big several keyboards that send after deciphering are given payment terminal; Be used to obtain big several password, the big several passwords that send after encrypting are given payment terminal;
Encryption/decryption element is used for the unique ID number of the number at beneficiary user name, password, paying party terminal and evidence for payment recognition device is encrypted; Information and payment information to the evidence for payment of paying party are encrypted; Big several passwords are encrypted, big several keyboards are deciphered.
According to a further aspect of the invention, a kind of server is provided also, has comprised storage unit, authentication unit, password comparison table units, encryption/decryption element, message unit, converting unit and judging unit, wherein,
Storage unit is used to store the corresponding relation between the unique ID number of beneficiary username and password and evidence for payment recognition device, and beneficiary information;
Whether authentication unit is used to verify between the unique ID number of beneficiary username and password and evidence for payment recognition device corresponding;
The password comparison table units is used to generate the password table of comparisons;
Encryption/decryption element is used for the unique ID number of the number at beneficiary user name, password, paying party terminal and evidence for payment recognition device is deciphered; Information and payment information to the evidence for payment of paying party are deciphered; Big several passwords are deciphered, big several keyboards are encrypted;
Message unit is used to obtain beneficiary user name, password, the number at paying party terminal and the unique ID number of evidence for payment recognition device of encryption; Obtain the information and the payment information of evidence for payment of the paying party of encryption; Obtain big several passwords of encryption; Send the big several keyboards and the beneficiary information of encrypting and give payment terminal, send the password table of comparisons and payment information and give the paying party terminal;
Converting unit is used for will counting password greatly according to the password table of comparisons and converts the units password to;
Judging unit is used to judge whether the units password is corresponding with the evidence for payment of paying party.
Technique effect of the present invention is:
Method, system, evidence for payment recognition device and server through mobile payment provided by the invention; The evidence for payment recognition device is set in intelligent terminal; Obtain authentication password with communicating by letter between the bank server; Solution is in wireless terminal is swiped the card payment, and the hidden danger of stealing bank card information that possibly occur increases the security of wireless payment; Need not adding hardware equipment, reduce the manufacturing cost of wireless payment equipment; Corresponding with cashier's identity through software cryptography with safety certification device and system in the authenticate-acknowledge smart mobile phone, strengthened the security of mobile payment; Guarantee the security of Network Transmission through short-message verification.
Other features and advantages of the present invention will be set forth in instructions subsequently, and, partly from instructions, become obvious, perhaps understand through embodiment of the present invention.The object of the invention can be realized through the structure that in the instructions of being write, claims and accompanying drawing, is particularly pointed out and obtained with other advantages.
Through accompanying drawing and embodiment, technical scheme of the present invention is done further detailed description below.
Description of drawings
Accompanying drawing is used to provide further understanding of the present invention, and constitutes the part of instructions, is used to explain the present invention with embodiments of the invention, is not construed as limiting the invention.In the accompanying drawings:
Fig. 1 is the process flow diagram of a kind of method of mobile payment in the specific embodiment of the invention.
Fig. 2 is a kind of structural representation of mobile-payment system in the embodiment among the present invention.
Embodiment
Below in conjunction with accompanying drawing the preferred embodiments of the present invention are described, should be appreciated that preferred embodiment described herein only is used for explanation and explains the present invention, and be not used in qualification the present invention.
The present invention relies on existing mobile phone hardware platform; Based on existing mobile phone operating system, like android and ios platform, through smart mobile phone, printer, contain the bank card card reader and the data line of authorization message; With smart mobile phone and Mobile Server networking; Establish a communications link with server, accomplish that authenticating user identification, bank card data are handled, communication information encrypting and decrypting and server issue steps such as information exhibition, customer transaction information is confirmed and accomplished mobile payment.
As shown in Figure 1, be the process flow diagram of a kind of method of mobile payment in the specific embodiment of the invention, may further comprise the steps:
After the number at step 103, server deciphering acquisition beneficiary user name, password, paying party terminal and the unique ID number of evidence for payment recognition device; According to the relation between the unique ID number of beneficiary username and password of storing in advance and evidence for payment recognition device; Judge whether beneficiary has authority to use the evidence for payment recognition device; If then go to step 105, otherwise go to step 104.
As preferred embodiment a kind of, in this step, beneficiary information comprises beneficiary image information and/or beneficiary title, make paying party according to these information more visual and accurate judge beneficiary identity to determine whether the transaction of paying.
When receiving the information of server transmission at the paying party terminal, at the identity information of paying party terminal display server, can let paying party judge the legitimacy of server like this, server identity information comprises note/multimedia message sender number.
The number at the paying party terminal that step 109, server basis are received; Send the password table of comparisons and payment information and give the paying party terminal; The password table of comparisons comprises units and big unique corresponding relation of counting, and payment information is used for paying party and confirms payment.
As preferred embodiment a kind of; The password table of comparisons can be set in the Preset Time effective as required, in case surpass Preset Time, just this password table of comparisons is cancelled; Payer need be asked the password table of comparisons again; Can prevent like this receiving behind the password table of comparisons there be not under the further operational circumstances paying party that the password table of comparisons is utilized by the people of lack of competence, further strengthens the security of mobile payment.
For guaranteeing the security of the password table of comparisons, the keyboard that is become by big number form in the password table of comparisons that on payment terminal, shows is a random alignment, can strengthen its security like this.
Through adopting technique scheme, can solve the hidden danger of stealing bank card information that in wireless terminal is swiped the card payment, possibly occur, increase the security of wireless payment; Can discern the identity of beneficiary through software cryptography and authentication, the safety that strengthens mobile payment is new; Guarantee the security of Network Transmission through short-message verification.
Preferred as to technique scheme, a kind of method of mobile payment is further comprising the steps of:
Step 115, server will be paid successful information and send to payment terminal and paying party terminal.
Step 116, payment terminal are printed pay bills according to the payment successful information.
Above-mentioned steps can be sent to and print pay bills with payment information and give paying party, makes payment have practicality more.
Paying party for ease; Server can be stored evidence for payment and the corresponding relation that read the evidence for payment recognition device of this evidence for payment in advance, and when evidence for payment was paid through this evidence for payment recognition device for the second time, server no longer issued the password table of comparisons; Give the paying party terminal and only send identifying code; Paying party is through importing said identifying code in payment terminal, payment terminal sends to server with said identifying code, and server is confirmed back completion payment.This scheme has been accelerated payment speed on the basis of having trusted.
As shown in Figure 2; Be the structural representation of a kind of mobile-payment system in the embodiment among the present invention, this system comprises paying party terminal 1, payment terminal 2, evidence for payment recognition device 3 and server 4, is connected through communication network between paying party terminal 1 and the server 4; Payment terminal 2 is connected with evidence for payment recognition device 3; Be connected through data network between payment terminal 2 and the server 4, wherein
Paying party terminal 1 is used to obtain beneficiary information and payment terminal information, obtains the password table of comparisons and payment information, obtains the payment successful information.
Evidence for payment recognition device 3 is used to read the information of the evidence for payment of paying party; Be used to obtain the unique ID number of the number and the evidence for payment recognition device at beneficiary user name, password, paying party terminal, beneficiary user name, password, the number at paying party terminal and the unique ID number of evidence for payment recognition device of sending after encrypting are given payment terminal, are used to obtain the information and the payment information of the evidence for payment of paying party; Send the information and the payment information of the evidence for payment of the paying party after encrypting and give payment terminal; Be used to obtain big several keyboards of encryption, the big several keyboards that send after deciphering are given payment terminal, are used to obtain big several password; The big several passwords that send after encrypting are given payment terminal; Be used for the number at beneficiary user name, password, paying party terminal and the unique ID number of evidence for payment recognition device are encrypted, the information of the evidence for payment of paying party is encrypted, payment information is encrypted; Big several passwords are encrypted, the password table of comparisons is deciphered.
This mobile-payment system is fully based on existing hardware equipment; Through each processing unit is set in evidence for payment recognition device 3; Completion and server communication, authenticating user identification, bank card data processing, communication information encrypting and decrypting and server issue work such as information exhibition; Do not need to increase in addition new hardware device, when guaranteeing the mobile payment security, can save cost.
In said system, evidence for payment recognition device 3 further comprises reads to demonstrate,prove unit 31, message unit 33 and encryption/decryption element 32, wherein,
Read to demonstrate,prove the information that unit 31 is used to read the evidence for payment of paying party.
Encryption/decryption element 32 is used for the unique ID number of the number at beneficiary user name, password, paying party terminal and evidence for payment recognition device is encrypted; Information to the evidence for payment of paying party is encrypted; Payment information is encrypted; Big several passwords are encrypted, big several keyboards are deciphered.
This evidence for payment recognition device can handle with card reader shake hands be connected, the carrying out of password input and authentication and delivery operation etc., in mobile-payment system, play the central role of safety certification.This device also can be used in and play similar effect and function in the other system, and is not limited in the embodiment of mobile-payment system of the present invention.
Whether authentication unit 42 is used to verify between the unique ID number of beneficiary username and password and evidence for payment recognition device corresponding.
Password comparison table units 47 is used to generate the password table of comparisons.
Encryption/decryption element 46 is used for the unique ID number of the number at beneficiary user name, password, paying party terminal and evidence for payment recognition device 3 is deciphered; Information and payment information to the evidence for payment of paying party are deciphered; Big several passwords are deciphered, big several keyboards are encrypted.
Converting unit 45 is used for will counting password greatly according to the password table of comparisons and converts the units password to.
Judging unit 44 is used to judge whether the units password is corresponding with the evidence for payment of paying party.
What should explain at last is: the above is merely the preferred embodiments of the present invention; Be not limited to the present invention; Although the present invention has been carried out detailed explanation with reference to previous embodiment; For a person skilled in the art, it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, and perhaps part technical characterictic wherein is equal to replacement.All within spirit of the present invention and principle, any modification of being done, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (11)
1. the method for a mobile payment is characterized in that, comprises step:
A, on the payment terminal of beneficiary the number at input beneficiary user name, password and paying party terminal, payment terminal sends to the evidence for payment recognition device with the number at beneficiary user name, password and paying party terminal;
B, evidence for payment recognition device send to server with the number at beneficiary user name, password, paying party terminal and the unique ID number encryption back of evidence for payment recognition device through payment terminal;
After the number at C, server deciphering acquisition beneficiary user name, password, paying party terminal and the unique ID number of evidence for payment recognition device; According to the relation between the unique ID number of beneficiary username and password of storing in advance and evidence for payment recognition device; Judge whether beneficiary has authority to use the evidence for payment recognition device; If then go to step e, otherwise go to step D;
D, server send lack of competence information and give payment terminal and paying party terminal, and flow process finishes;
E, server send beneficiary information and show to payment terminal; Be used for paying party and confirm beneficiary information; And server is according to the number at the paying party terminal of receiving; Send beneficiary information and payment terminal information and give the paying party terminal, be used for paying party and confirm beneficiary information and payment terminal information;
F, evidence for payment recognition device read the information of the evidence for payment of paying party;
G, to payment terminal input payment information; Payment terminal sends to the evidence for payment recognition device with payment information; The evidence for payment recognition device returns to payment terminal after to the information of evidence for payment and payment information encryption, and the information and the payment information of the evidence for payment after payment terminal will be encrypted send to server;
H, server deciphering obtain the information and the payment information of evidence for payment;
The number at the paying party terminal that I, server basis are received sends the password table of comparisons and payment information and gives the paying party terminal, and the password table of comparisons comprises units and big unique corresponding relation of counting, and payment information is used for paying party and confirms payment;
J, server generate big number keyboard with the big number in the password table of comparisons, will count keyboard greatly and after encrypting, send to payment terminal, and payment terminal is transmitted to evidence for payment recognition device deciphering back and obtains big number keyboard, and on payment terminal, show big number keyboard;
K, paying party are imported big several passwords of the units password of counterpart expenditure voucher according to the unique corresponding relation between units in the password table of comparisons and the big number on big several keyboards of payment terminal;
L, payment terminal will be counted password greatly and sent to the evidence for payment recognition device, and the evidence for payment recognition device will send to server through payment terminal after will counting password encryption greatly;
M, server deciphering according to the unique corresponding relation of units in the password table of comparisons with big number, obtain the units password after obtaining big number password;
N, server are confirmed the success of evidence for payment corresponding account authentication, the deduction payment through after the units password authentification.
2. the method for a kind of mobile payment according to claim 1 is characterized in that, and is further comprising the steps of:
O, server will be paid successful information and send to payment terminal and paying party terminal;
P, payment terminal are printed pay bills according to the payment successful information.
3. the method for a kind of mobile payment according to claim 1 is characterized in that, beneficiary information comprises beneficiary image information and/or beneficiary title.
4. the method for a kind of mobile payment according to claim 1 is characterized in that, among step e and the step I, and when the information of server transmission is received at the paying party terminal, the identity information of display server.
5. the method for a kind of mobile payment according to claim 4 is characterized in that, the identity information of server comprises note/multimedia message sender number.
6. the method for a kind of mobile payment according to claim 1 is characterized in that, the password table of comparisons is effective in Preset Time.
7. the method for a kind of mobile payment according to claim 1 is characterized in that, among the step J, the big several keyboards that become by big number form in the password table of comparisons that show on the payment terminal are random alignment.
8. the method for a kind of mobile payment according to claim 1 is characterized in that, and is further comprising the steps of:
Server stores evidence for payment and the corresponding relation that read the evidence for payment recognition device of said evidence for payment; When said evidence for payment is paid through the said evidence for payment recognition device that read said evidence for payment for the second time; Server sends identifying code and gives the paying party terminal; Paying party is through importing said identifying code in payment terminal, payment terminal sends to server with said identifying code, and server is confirmed back completion payment.
9. the system of a mobile payment; It is characterized in that, comprise paying party terminal, payment terminal, evidence for payment recognition device and server, be connected through communication network between paying party terminal and the server; Payment terminal is connected with the evidence for payment recognition device; Be connected through data network between payment terminal and the server, wherein
The paying party terminal is used to obtain beneficiary information and payment terminal information, obtains the password table of comparisons and payment information, obtains the payment successful information;
Payment terminal is used to input the number at beneficiary user name, password and paying party terminal, is used to import payment information, is used to show beneficiary information; Be used for showing the keyboard that becomes by the big number form of the password table of comparisons; Be used to input big several password, be used to send the unique ID number of the number and the evidence for payment recognition device at beneficiary user name, password, paying party terminal, be used for the information and the payment information of the evidence for payment of Sending Payments side; Be used to obtain beneficiary information; Be used for obtaining big several keyboards that the big number of the password table of comparisons generates, be used to obtain the payment successful information, print pay bills;
The evidence for payment recognition device is used to read the information of the evidence for payment of paying party; Be used to obtain the unique ID number of the number and the evidence for payment recognition device at beneficiary user name, password, paying party terminal, beneficiary user name, password, the number at paying party terminal and the unique ID number of evidence for payment recognition device of sending after encrypting are given payment terminal, are used to obtain the information and the payment information of the evidence for payment of paying party; Send the information and the payment information of the evidence for payment of the paying party after encrypting and give payment terminal; Be used to obtain big several keyboards of encryption, the big several keyboards that send after deciphering are given payment terminal, are used to obtain big several password; The big several passwords that send after encrypting are given payment terminal; Be used for the number at beneficiary user name, password, paying party terminal and the unique ID number of evidence for payment recognition device are encrypted, the information of the evidence for payment of paying party is encrypted, payment information is encrypted; Big several passwords are encrypted, the password table of comparisons is deciphered;
Server is used to store the corresponding relation between the unique ID number of beneficiary username and password and evidence for payment recognition device; And beneficiary information; Whether correspondingly be used to verify between the unique ID number of beneficiary username and password and evidence for payment recognition device, be used to generate the password table of comparisons, be used for the number at beneficiary user name, password, paying party terminal and the unique ID number of evidence for payment recognition device are deciphered; Information and payment information to the evidence for payment of paying party are deciphered; Big several passwords are deciphered, the password table of comparisons is encrypted, be used to obtain beneficiary user name, password, the number at paying party terminal and the unique ID number of evidence for payment recognition device of encryption; Obtain the information and the payment information of evidence for payment of the paying party of encryption; Obtain big several passwords of encryption, send the big several keyboards and the beneficiary information of encrypting and give payment terminal, be used for to count password greatly and convert the units password to according to the password table of comparisons; Be used to judge whether the units password is corresponding with the evidence for payment of paying party, send the password table of comparisons and payment information and give the paying party terminal.
10. an evidence for payment recognition device is characterized in that, comprise and read to demonstrate,prove unit, message unit and encryption/decryption element, wherein,
Read to demonstrate,prove the information that the unit is used to read the evidence for payment of paying party;
Message unit is used to obtain the unique ID number of the number and the evidence for payment recognition device at beneficiary user name, password, paying party terminal; Beneficiary user name, password, the number at paying party terminal and the unique ID number of evidence for payment recognition device of sending after encrypting are given payment terminal; Be used to obtain the information and the payment information of the evidence for payment of paying party; Send the information and the payment information of the evidence for payment of the paying party after encrypting and give payment terminal, be used to obtain big several keyboards of encryption, the big several keyboards that send after deciphering are given payment terminal; Be used to obtain big several password, the big several passwords that send after encrypting are given payment terminal;
Encryption/decryption element is used for the unique ID number of the number at beneficiary user name, password, paying party terminal and evidence for payment recognition device is encrypted; Information and payment information to the evidence for payment of paying party are encrypted; Big several passwords are encrypted, big several keyboards are deciphered.
11. a server is characterized in that, comprises storage unit, authentication unit, password comparison table units, encryption/decryption element, message unit, converting unit and judging unit, wherein,
Storage unit is used to store the corresponding relation between the unique ID number of beneficiary username and password and evidence for payment recognition device, and beneficiary information;
Whether authentication unit is used to verify between the unique ID number of beneficiary username and password and evidence for payment recognition device corresponding;
The password comparison table units is used to generate the password table of comparisons;
Encryption/decryption element is used for the unique ID number of the number at beneficiary user name, password, paying party terminal and evidence for payment recognition device is deciphered; Information and payment information to the evidence for payment of paying party are deciphered; Big several passwords are deciphered, big several keyboards are encrypted;
Message unit is used to obtain beneficiary user name, password, the number at paying party terminal and the unique ID number of evidence for payment recognition device of encryption; Obtain the information and the payment information of evidence for payment of the paying party of encryption; Obtain big several passwords of encryption; Send the big several keyboards and the beneficiary information of encrypting and give payment terminal, send the password table of comparisons and payment information and give the paying party terminal;
Converting unit is used for will counting password greatly according to the password table of comparisons and converts the units password to;
Judging unit is used to judge whether the units password is corresponding with the evidence for payment of paying party.
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| CN103996114A (en) * | 2014-05-16 | 2014-08-20 | 网银在线（北京）科技有限公司 | Online payment method and device |
| CN104166911A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Photonic payment method and system |
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| CN108428137A (en) * | 2017-02-14 | 2018-08-21 | 阿里巴巴集团控股有限公司 | Generate the method and device of abbreviation, verification electronic banking rightness of business |
| CN110334965A (en) * | 2019-07-12 | 2019-10-15 | 重庆工商职业学院 | A management method of mobile vendors based on big data |
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| CN111601250A (en) * | 2019-02-21 | 2020-08-28 | 苏州旅联智能科技有限公司 | Experiential park monitoring method |
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| CN108428137A (en) * | 2017-02-14 | 2018-08-21 | 阿里巴巴集团控股有限公司 | Generate the method and device of abbreviation, verification electronic banking rightness of business |
| CN111601250A (en) * | 2019-02-21 | 2020-08-28 | 苏州旅联智能科技有限公司 | Experiential park monitoring method |
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| CN112529578A (en) * | 2020-12-17 | 2021-03-19 | 平安消费金融有限公司 | Payment password management method, system, computer equipment and storage medium |
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