CN107194697A

CN107194697A - The method and system authorized are provided by mobile terminal

Info

Publication number: CN107194697A
Application number: CN201710339136.9A
Authority: CN
Inventors: 叶娃; 蔡润达; 刘鹏; 刘凯; 徐震宇
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2013-09-18
Filing date: 2013-09-18
Publication date: 2017-09-22
Anticipated expiration: 2033-09-18
Also published as: CN104063790B; CN104063790A; CN107194697B; WO2015039568A1

Abstract

The present invention is the divisional application of the patent of invention of application number 201310430889.2, discloses a kind of method that mandate is provided by mobile terminal, including：Acquisition for mobile terminal authorization message corresponding with user's payment account, Generates Certificate information according to the authorization message；Identifying code generation instruction is received, can be by the identifying code of phy-aware according to certificate information coding generation；Scanning device reads the identifying code by phy-aware mode and obtains certificate information, and extracts authorization message according to the certificate information.In addition, additionally providing a kind of system that mandate is provided by mobile terminal.The method and system authorized are provided above by mobile terminal causes user provides the process authorized using mobile terminal can be independent of network, so as to provide authorization service when mobile terminal is in off-line state.

Description

The method and system authorized are provided by mobile terminal

The application is Application No. 201310430889.2, and the applying date is on 09 18th, 2013, entitled " to pass through movement The divisional application of the application for a patent for invention of the method and system that terminal offer is authorized "

Technical field

It is more particularly to a kind of to provide the method authorized by mobile terminal the present invention relates to mobile internet technical field And system.

Background technology

With the development of development of Mobile Internet technology, user can use mobile-phone payment application to be propped up whenever and wherever possible Pay.User can first pass through data communication channel or wifi access connections internet, then in mobile-phone payment application (such as online silver Row application or wealth pay the Third-party payment applications such as logical, Bei Bao, Alipay) on the user name of input payment account, password, vocal print or Fingerprint logs in the mandate of mobile-phone payment application to obtain, so as to complete to pay, transfer accounts or other operations.

However, inventor is it has been investigated that use mobile terminal in conventional art at least exists when providing mandate asks as follows Topic：User must input the data corresponding with authorization message such as password, vocal print or fingerprint and upload server in a network environment It could be authorized, and when the mobile terminal of user is in off-line state, because mobile terminal can not upload data and can not Carry out Authorized operation so that the act of authorization of user has the limitation of network dependence.

The content of the invention

Based on this, it is necessary to which provide one kind by mobile terminal can provide mandate when mobile terminal is in off-line state Method：

First aspect there is provided it is a kind of by mobile terminal provide authorize method, including：

Mobile terminal obtains authorization message corresponding with user's payment account, the authorization message when in networking state For the authorization code or grant number for confirming user identity；

The mobile terminal Generates Certificate information according to the authorization message；

The mobile terminal receives identifying code generation instruction when in off-line state, can according to certificate information generation By the identifying code of phy-aware；

Scanning device reads the identifying code by phy-aware mode and obtains the certificate information, and according to the certificate Authorization message described in information extraction.

In a kind of possible implementation, the mobile terminal can be by phy-aware according to certificate information generation The step of identifying code, includes：

The mobile terminal generates the identifying code of figure code type according to the certificate information；

The scanning device reads the step of identifying code obtains the certificate information by phy-aware mode and also wrapped Include：

The scanning device obtains the certificate information by scanning figure shape code.

The mobile terminal generates the identifying code of near-field communication type of message according to the certificate information；

The scanning device obtains the certificate information by inductive near field communication information.

The mobile terminal generates the identifying code of vocal print code type according to the certificate information；

The scanning device, which is caught and decoded by vocal print, obtains the certificate information.

In a kind of possible implementation, the mobile terminal according to the authorization message Generate Certificate information the step of Also include：

The mobile terminal periodically obtains system parameter message, and according to the system parameter message and the authorization message Generate Certificate information；

Wherein, the system parameter message includes at least one of system time, system version or device identification.

In a kind of possible implementation, whether the acquisition process of the system parameter message is located with the mobile terminal It is unrelated in the networking state；

In a kind of possible implementation, the mobile terminal is in the off-line state and the unused user Payment account and its password login periodically obtain the system parameter message when applying accordingly.

In a kind of possible implementation, the scanning device is according to the system parameter message to the certificate information Carry out the authorized information of decoding.

Also include paying threshold value in a kind of possible implementation, in the certificate information；

Methods described also includes：

The scanning device extracts the payment threshold value in the certificate information, and obtains payment amount, judges described Whether payment amount is more than the payment threshold value, if so, then obtaining the authorization message failure.

In a kind of possible implementation, methods described also includes：

The mobile terminal accesses paying server when in the networking state according to user's payment account, under Carry transaction record；And confirmation payment instruction is uploaded to the paying server according to the transaction record.

There is provided a kind of system that mandate is provided by mobile terminal, including the mobile terminal and scanning for second aspect Equipment；

The mobile terminal is used to obtain authorization message corresponding with user's payment account when in networking state；

The mobile terminal is used to be Generated Certificate information according to the authorization message, and the authorization message is for confirming to use The authorization code or grant number of family identity；

The mobile terminal is used to receive identifying code generation instruction when in off-line state, is given birth to according to the certificate information Into can be by the identifying code of phy-aware；

The scanning device, which is used to reading the identifying code by phy-aware mode, obtains the certificate information, and according to The certificate information extracts the authorization message.

In a kind of possible implementation, the mobile terminal is additionally operable to generate graphic code class according to the certificate information The identifying code of type；

The scanning device is additionally operable to obtain the certificate information by scanning figure shape code.

In a kind of possible implementation, the mobile terminal is additionally operable to generate near-field communication according to the certificate information The identifying code of type of message；

The scanning device is additionally operable to obtain the certificate information by inductive near field communication information.

In a kind of possible implementation, the mobile terminal is additionally operable to according to certificate information coding generation vocal print The identifying code of code type；

The scanning device, which is additionally operable to catch by vocal print, obtains the certificate information.

In a kind of possible implementation, the mobile terminal is additionally operable to periodically obtain system parameter message, and according to The system parameter message and the authorization message generate the certificate information；

In a kind of possible implementation, whether the acquisition process of the system parameter message is located with the mobile terminal It is unrelated in the networking state.

In a kind of possible implementation, the scanning device is additionally operable to according to the system parameter message to the card Letter breath progress, which is decoded, obtains the authorization message.

The scanning device is additionally operable to extract the payment threshold value in the certificate information, and obtains payment amount, sentences Whether the payment amount of breaking is more than the payment threshold value, if so, then obtaining authorization message failure.

In a kind of possible implementation, the mobile terminal is additionally operable to set to the scanning when in off-line state It is standby to show the identifying code.

In a kind of possible implementation, the mobile terminal is additionally operable to when in the networking state according to described User's payment account accesses paying server, download transactions record；And confirmation payment instruction is uploaded extremely according to the transaction record The paying server.

The third aspect includes there is provided a kind of method for generating the identifying code comprising authorization message, methods described：

Authorization message corresponding with user's payment account is being obtained under networking state, the authorization message is for true Recognize the authorization code or grant number of user identity；

Generated Certificate information according to the authorization message；

Identifying code generation instruction is received when in off-line state, encoding generation according to the certificate information can be by physics sense The identifying code known.

In a kind of possible implementation, the identifying code generation instruction generates instruction for graphic code；

It is described according to the certificate information generate can by phy-aware identifying code the step of also include：

The identifying code of figure code type is generated according to the certificate information.

In a kind of possible implementation, the identifying code generation instruction generates instruction for near-field communication message；

The identifying code of near-field communication type of message is generated according to the certificate information.

In a kind of possible implementation, the identifying code generation instruction is vocal print code generation instruction；

The identifying code of vocal print code type is generated according to the certificate information.

In a kind of possible implementation, it is described according to the authorization message Generate Certificate information the step of also include：

System parameter message is periodically obtained, and is Generated Certificate letter according to the system parameter message and the authorization message Breath；

Also include paying threshold value in a kind of possible implementation, in the certificate information.

In a kind of possible implementation, methods described also includes：

Paying server, download transactions record are accessed according to user's payment account when in the networking state；

Uploaded according to the transaction record and confirm payment instruction to the paying server.

Fourth aspect includes there is provided a kind of device for generating the identifying code comprising authorization message, described device：

Certificates constructing module, for obtaining authorization message corresponding with user's payment account, institute when in networking state It is the authorization code or grant number for confirming user identity to state authorization message；

The certificates constructing module, is additionally operable to be Generated Certificate information according to the authorization message；

Identifying code generation module, for receiving identifying code generation instruction, encoding generation according to the certificate information can be by thing Manage the identifying code perceived.

The identifying code generation module is additionally operable to generate the identifying code of figure code type according to the certificate information.

The identifying code generation module is additionally operable to generate the identifying code of near-field communication type of message according to the certificate information.

The identifying code generation module is additionally operable to generate the identifying code of vocal print code type according to the certificate information.

In a kind of possible implementation, the certificates constructing module is additionally operable to timing acquisition system parameter message, and Generated Certificate information according to the system parameter message and the authorization message, the system parameter message include system time, At least one of system version or device identification.

In a kind of possible implementation, described device also includes：

For accessing paying server, download transactions note according to user's payment account when in the networking state The module of record；

Confirm payment instruction to the module of the paying server for being uploaded according to the transaction record.

5th aspect includes there is provided a kind of method for the authorization message for reading and being stored in mobile terminal, methods described：

The identifying code that mobile terminal provides when in off-line state is read by phy-aware mode and obtains certificate information；

According to the certificate information extract authorization message, the authorization message be for confirm user identity authorization code or Grant number.

It is described that mobile terminal life under off-line state is read by phy-aware mode in a kind of possible implementation Into identifying code obtain certificate information the step of also include：

The graphic code generated by scanning the mobile terminal obtains the certificate information.

In a kind of possible implementation, the identifying code for reading mobile terminal generation by phy-aware mode is obtained Also include to the step of certificate information：

The near-field communication message generated by sensing the mobile terminal obtains the certificate information.

The vocal print code generated by catching the mobile terminal obtains the certificate information.

In a kind of possible implementation, the certificate information is believed comprising systematic parameter corresponding with the mobile terminal Breath, the system parameter message includes at least one of system time, system version or device identification；

The step of extraction authorization message according to the certificate information, also includes：

The certificate information decode according to the system parameter message to obtain the authorization message.

Methods described also includes：

The payment threshold value is extracted in the certificate information, and obtains payment amount, whether the payment amount is judged More than the payment threshold value, if so, then obtaining the authorization message failure.

In a kind of possible implementation, methods described also includes：

Obtain payment amount and authorize collecting account, by the authorization message, the payment amount and the mandate Collecting account is sent to paying server.

6th aspect includes there is provided a kind of device for the authorization message for reading and being stored in mobile terminal, described device：

Certificate read module, for testing of reading that mobile terminal generates when in off-line state by phy-aware mode Card code obtains certificate information；

Authorization message extraction module, for according to the certificate information extract authorization message, the authorization message be for Confirm the authorization code or grant number of user identity.

In a kind of possible implementation, the certificate read module is additionally operable to generate by scanning the mobile terminal Graphic code and decode it and obtain the certificate information.

In a kind of possible implementation, the certificate read module is additionally operable to generate by sensing the mobile terminal Near-field communication message obtain the certificate information.

In a kind of possible implementation, the certificate read module is additionally operable to generate by catching the mobile terminal Vocal print code obtain the certificate information.

In a kind of possible implementation, the certificate information includes system parameter message corresponding with mobile terminal, The system parameter message includes at least one of system time, system version or device identification；

The authorization message extraction module is additionally operable to decode the certificate information according to the system parameter message Obtain the authorization message.

The authorization message extraction module is additionally operable to extract the payment threshold value in the certificate information, and obtains payment Number, judges whether the payment amount is more than the payment threshold value, if so, then obtaining the authorization message failure.

In a kind of possible implementation, described device also includes：

For obtaining payment amount and authorizing collecting account, by the authorization message, the payment amount and described Collecting account is authorized to be sent to the module of paying server.

7th aspect is there is provided a kind of method paid by mobile terminal, and methods described includes：

The mandate of user's payment account corresponding with authorization message is obtained, the authorization message is for confirming user identity Authorization code or grant number；

Payment amount is paid into mandate collecting account by user's payment account；

Wherein, the authorization message is that the identifying code that scanning device reads mobile terminal generation by phy-aware mode is obtained Arrive；It is corresponding with user's payment account described that the identifying code is that the mobile terminal is obtained when in networking state The information that Generated Certificate after authorization message, according to the authorization message and received when in off-line state identifying code generation refer to Generated when making, according to the certificate information.

It is described to pay the payment amount to described by user's payment account in a kind of possible implementation The step in collecting account is authorized to include：

The payment amount is paid into third party guarantees account by user's payment account, and generated and the use Family payment account and the corresponding transaction record of the mandate collecting account.

In a kind of possible implementation, described pay payment amount to mandate by user's payment account is collected money Step in account also includes：

The confirmation payment instruction uploaded is received, the corresponding transaction record of the confirmation payment instruction is obtained；

Obtain it is corresponding with the transaction record authorizes collecting account and the payment amount, by the payment amount by The third party guarantees bill payment is into the mandate collecting account.

In a kind of possible implementation, the paying server is by the payment amount by user's payment account The step paid into the mandate collecting account also includes：

The feedback information corresponding with the transaction record uploaded is received, and periodically obtains the transaction record；

Obtain the corresponding mandate collecting account of the transaction record, the payment amount and the corresponding feedback information；

The payment amount is collected money by the third party guarantees bill payment to described authorize according to the feedback information In account.

It is described to pay the payment amount to described by user's payment account in a kind of possible implementation Authorize also includes before the step in collecting account：

Gathering threshold value corresponding with the mandate collecting account is obtained, judges whether the payment amount is more than the gathering Threshold value, if so, then returning to the notice for paying failure.

Eighth aspect includes there is provided a kind of device paid by mobile terminal, described device：

For the module for the mandate for obtaining user's payment account corresponding with authorization message, the authorization message is for true Recognize the authorization code or grant number of user identity；

For payment amount to be paid to the module authorized in collecting account by user's payment account；

Wherein, the authorization message is that scanning device reads mobile terminal life under off-line state by phy-aware mode Into identifying code obtain；The identifying code is that the mobile terminal obtains corresponding with user's payment account in networking state The authorization message after Generated Certificate information according to the authorization message, and receive identifying code generation under off-line state and refer to Generated when making according to the certificate information.

In a kind of possible implementation, described device is specifically included：

For the payment amount to be paid into third party guarantees account by user's payment account, and generate and institute State the module of user's payment account and the corresponding transaction record of the mandate collecting account.

For receiving the confirmation payment instruction uploaded, the corresponding transaction record of the confirmation payment instruction is obtained；Obtain with The transaction record is corresponding to authorize collecting account and the payment amount, by the payment amount by the third party guarantees Bill payment to it is described mandate collecting account in module.

For receiving the feedback information corresponding with the transaction record uploaded, and periodically obtain the transaction record；Obtain Take the transaction record is corresponding to authorize collecting account, the payment amount and the corresponding feedback information；According to described anti- Feedforward information is by the payment amount by the third party guarantees bill payment to the module in the mandate collecting account.

For obtaining gathering threshold value corresponding with the mandate collecting account, judge whether the payment amount is more than described Gathering threshold value, if so, then returning to the module for the notice for paying failure.

9th aspect is there is provided a kind of method paid by mobile terminal, and methods described includes：

Scanning device reads the authorized information of identifying code that mobile terminal is generated by phy-aware mode, obtains and pays Number and mandate collecting account, paying server is sent to by the authorization message, payment amount and mandate collecting account； The authorization message is the authorization code or grant number for confirming user identity；

The paying server obtains the mandate of user's payment account corresponding with the authorization message, by the payment number Volume is paid into the mandate collecting account by user's payment account；

Wherein, the identifying code is that the mobile terminal is obtained and user's payment account pair when in networking state Generated Certificate information according to the authorization message after the authorization message answered, and identifying code is received when in off-line state Generated during generation instruction according to the certificate information.

In a kind of possible implementation, the paying server is by the payment amount by user's payment account The step paid into the mandate collecting account includes：

The paying server is paid the payment amount into third party guarantees account by user's payment account, And generate transaction record corresponding with user's payment account and the mandate collecting account.

The paying server receives the confirmation payment instruction uploaded, obtains the corresponding transaction note of the confirmation payment instruction Record, obtains mandate collecting account corresponding with the transaction record and payment amount, by the payment amount by the described 3rd Square secured account is paid into the mandate collecting account.

The paying server receives the feedback information corresponding with the transaction record uploaded, and periodically obtains transaction note Record, obtains the corresponding mandate collecting account of the transaction record, payment amount and corresponding feedback information, according to the feedback letter Breath is authorized the payment amount in collecting account by the third party guarantees bill payment to described.

In a kind of possible implementation, the paying server is by the payment amount by user's payment account Also include before paying the step into the mandate collecting account：

The paying server obtains gathering threshold value corresponding with the mandate collecting account, judges that the payment amount is It is no to be more than the gathering threshold value, if so, then returning to the notice for paying failure.

Tenth aspect there is provided a kind of system paid by mobile terminal, the system include scanning device with Paying server, wherein：

Scanning device is used to read the authorized information of identifying code that mobile terminal is generated by phy-aware mode, obtains Payment amount and mandate collecting account, payment clothes are sent to by the authorization message, payment amount and mandate collecting account Business device, the authorization message is the authorization code or grant number for confirming user identity；

The paying server is used for the mandate for obtaining user's payment account corresponding with the authorization message, by the branch Number is paid to be paid into the mandate collecting account by user's payment account；

In a kind of possible implementation, the paying server is additionally operable to the payment amount by user's branch Bill payment is paid into third party guarantees account, and is generated corresponding with user's payment account and the mandate collecting account Transaction record.

In a kind of possible implementation, the paying server is additionally operable to receive the confirmation payment instruction uploaded, obtains The corresponding transaction record of the confirmation payment instruction is taken, mandate collecting account corresponding with the transaction record and payment is obtained Number, the payment amount is authorized in collecting account by the third party guarantees bill payment to described.

In a kind of possible implementation, the paying server be additionally operable to receive upload with the transaction record pair The feedback information answered, and periodically obtain transaction record, obtain the transaction record it is corresponding authorize collecting account, payment amount and Corresponding feedback information, is awarded the payment amount by the third party guarantees bill payment according to the feedback information described in Weigh in collecting account.

In a kind of possible implementation, the paying server is additionally operable to obtain corresponding with the mandate collecting account Gathering threshold value, judge the payment amount whether be more than the gathering threshold value, if so, then return pay failure notice.

Tenth one side includes there is provided a kind of offline electronic payment method, methods described：

Mobile terminal obtains authorization message corresponding with user's payment account when in networking state, is authorized according to described Information Generates Certificate information；Identifying code generation instruction is received when in off-line state, can quilt according to certificate information generation The identifying code of phy-aware；The authorization message is the authorization code or grant number for confirming user identity；

Scanning device reads the identifying code by phy-aware mode and decodes it authorized information, obtains and pays Number and mandate collecting account, branch is sent to by the authorization message, the payment amount and the mandate collecting account Pay server；

The paying server obtains the mandate of user's payment account corresponding with the authorization message, by the payment number Volume is paid into the mandate collecting account by user's payment account.

There is provided a kind of offline electronic payment system, including mobile terminal, scanning device and paying server for 12nd aspect：

The mobile terminal is used to obtain authorization message corresponding with user's payment account when in networking state, according to The authorization message Generates Certificate information；Identifying code generation instruction is received when in off-line state, according to the certificate information Generation can be by the identifying code of phy-aware；The authorization message is the authorization code or grant number for confirming user identity；

The scanning device is used to read the authorized information of the identifying code by phy-aware mode, obtains and pays number Volume and mandate collecting account, the payment services are sent to by the authorization message, payment amount and mandate collecting account Device；

The paying server is used for the mandate for obtaining user's payment account corresponding with the authorization message, by the branch Number is paid to be paid into the mandate collecting account by user's payment account.

There is provided a kind of computer read/write memory medium for 13rd aspect, it is characterised in that is deposited in the storage medium One or more programs are contained, the possibility implementation institute of the as above third aspect or the third aspect is realized when described program is performed The method of offer, or, realize that the possibility implementation of as above the 5th aspect or the 5th aspect is carried when described program is performed The method of confession, or, realize that the possibility implementation of as above the 7th aspect or the 7th aspect is provided when described program is performed Method.

Above by mobile terminal provide authorize method and system, generation comprising authorization message identifying code method and Device, the method and device for obtaining the authorization message stored in mobile terminal, the method that is paid by mobile terminal and it is In system and offline electronic payment method and system, mobile terminal can be when in off-line state first according to corresponding with user's payment account Authorization message Generate Certificate information, then the certificate information is encoded after the identifying code generation instruction of user's input is received Into can be by the identifying code of phy-aware.Scanning device can read this by way of various types of sensors are with phy-aware Identifying code simultaneously extracts corresponding authorization message.So that mobile terminal by password, vocal print or fingerprint etc. without verifying user identity Information upload can be provided for scanning device it is corresponding with its user's payment account mandate so that licensing process independent of In network environment, the mandate when mobile terminal is in off-line state is realized.

Brief description of the drawings

Fig. 1 in one embodiment by mobile terminal provide authorize method flow chart；

Fig. 2 is the structural representation of offline electronic payment system in one embodiment；

The interaction schematic diagram being read out when Fig. 3 is in one embodiment using graphic code as identifying code；

The interaction schematic diagram being read out when Fig. 4 is in one embodiment using vocal print code as identifying code；

The interaction schematic diagram being read out when Fig. 5 is in one embodiment using NFC message as identifying code；

Fig. 6 is the flow chart of the method paid in one embodiment by mobile terminal；

Fig. 7 is the flow chart of offline electronic payment method in one embodiment；

Fig. 8 is the interaction timing diagram of offline electronic payment process in one embodiment；

Fig. 9 is the interaction timing diagram of offline electronic payment process in another embodiment；

Figure 10 is the flow chart of the method for identifying code of the generation comprising authorization message in one embodiment；

Figure 11 is the structural representation of the device of identifying code of the generation comprising authorization message in one embodiment；

Figure 12 is the flow chart that the method for authorization message stored in mobile terminal is read in one embodiment；

Figure 13 is the structural representation that the device of authorization message stored in mobile terminal is read in one embodiment.

Embodiment

In one embodiment, as shown in figure 1, a kind of provide the method authorized by mobile terminal, this method is depended on Computer program, runs in the computer system based on Von Neumann system.As shown in Fig. 2 the computer system may include Mobile terminal 10, scanning device 20 and paying server 30.Wherein, mobile terminal 10 can be smart mobile phone, tablet personal computer, the palm The portable terminals such as upper computer, intelligent watch.Scanning device 20 can carry camera, microphone or NFC (Near Field Communication, i.e. near field wireless communication technique) induction chip POS (Point of Sale, sale eventually End).Paying server 30 can be online banking service device, Third-party payment server or be taken as the third party of proxy payment Business device.

It should be noted that when the method for providing mandate above by mobile terminal is run in the computer system, moving Whether dynamic terminal 10 is unrelated with the execution of this method in networking state.

In the present embodiment, this method includes：

Step S102, acquisition for mobile terminal authorization message corresponding with user's payment account is generated according to authorization message and demonstrate,proved Letter ceases；Identifying code generation instruction is received, can be by the identifying code of phy-aware according to certificate information coding generation.

User's payment account can be the online of the account that user registers in Third-party payment platform or user Bank account, can also be the social network account or online game account of user.User's payment account is in its corresponding application In include finance data, including physical monetary data (the entity goods such as the RMB during Web bank applies, Hongkong dollar or dollar Coin data) and ideal money data (the virtual goods such as forum score, online game coin or social networking application repaid card data Coin data).

Authorization message is being used for for Third-party payment platform, Web bank, social networking application or online game offer Confirm the authorization code or grant number of user identity.Its corresponding Third-party payment platform, online silver can be obtained by authorization message The mandate of row, social networking application or online game application, so that the finance data of its corresponding user's payment account be paid Or transfer accounts to other users, without being applied accordingly using user's payment account and its password login.User can move in advance Dynamic terminal inputs password, vocal print or fingerprint so as to download corresponding authorization message when being in networking state, and stores to mobile whole On end.

In the present embodiment, can be that sensor can be used to be perceived by physics mode for user by the identifying code of phy-aware Checking information, it may include graphic code, near-field communication message, vocal print code at least one of.Can be by the identifying code of phy-aware Do not need mobile terminal to set up after network connection with other equipment to be sent it in the equipment, other equipment by mobile terminal again The identifying code that can be shown by physics mode automatic sensing to the mobile terminal with polytype physics mode of sensor.

Step S104, scanning device reads identifying code by phy-aware mode and obtains certificate information, and is believed according to certificate Breath extracts authorization message.

The mode that scanning device reads identifying code by phy-aware mode is that scanning device is passed by polytype Sensor perceives the identifying code that mobile terminal is shown by physics mode, rather than is sent out by mobile terminal by network connection Give scanning device.

In one embodiment, as shown in figure 3, mobile terminal can be encoded according to certificate information generates testing for figure code type Demonstrate,prove code.Scanning device by scanning figure shape code and can decode it and obtain certificate information.Graphic code can be bar code, Quick Response Code Deng the identifying code of image type.Mobile terminal can generate graphic code after the graphic code generation instruction of user's input is received, and Shown in the form of picture.The graphic code that scanning device can be shown by camera to mobile terminal is scanned, then The graphic code read decode obtaining certificate information.

In one embodiment, as shown in figure 4, mobile terminal can be encoded according to certificate information generates testing for vocal print code type Demonstrate,prove code.Scanning device, which can be caught and be decoded by vocal print, obtains certificate information.Mobile terminal is receiving the vocal print of user's input Corresponding vocal print code is generated according to certificate information after code generation instruction, and vocal print code is played by loudspeaker and is shown.Face Near scanning device, which can be caught vocal print code and be decoded it by equipment such as microphones, obtains corresponding certificate information.

In one embodiment, as shown in figure 5, mobile terminal can be according to certificate information coding generation near-field communication message class The identifying code of type.Scanning device by inductive near field communication information and can decode it and obtain certificate information.Near-field communication (NFC, Near Field Communication) message is to encode obtained identifying code by NFC chip.User can lean on mobile terminal Nearly scanning device, then inputs the generation instruction of near-field communication message.Mobile terminal can receive the near-field communication of user's input Certificate information is encoded into by near-field communication message by NFC chip after message generation instruction, the scanning device closed on can pass through NFC chip senses the near-field communication message, and decoding obtains certificate information.

In the present embodiment, mobile terminal according to authorization message Generate Certificate information the step of also include：Mobile terminal is obtained Take system parameter message, and Generated Certificate information according to system parameter message and authorization message, system parameter message includes system At least one of time, system version or device identification.

Scanning device can carry out decoding authorized information according to the system parameter message to certificate information.

Further, mobile terminal can periodically obtain system parameter message, and according to the system parameter message more new authentication Information.That is, certificate information on mobile terminal is the data periodically changed, thus prevent certificate information be stolen after quilt Criminal's Reusability.

In an application scenarios, this method can be based on social networking application, and user can be in advance by its social networks account Bound with its Web bank's account binding or with its Third-party payment account, the social networking application on mobile terminal is logged in Afterwards, its corresponding authorization message in Web bank or Third-party payment platform is obtained, mobile terminal can be every 30 seconds or 1 minute Etc. the default update cycle obtain the corresponding system time of mobile terminal, system version information, device identification (equipment factory serial number or IMEI code, International Mobile Equipment Identity, International Mobile Equipment Identity code) or social networks Account, is then encrypted according to information such as authorization message, system time, system version information, device identification and social networks accounts Generate Certificate information.

If for example, the graphic code solution screen protection that mobile terminal is generated according to certificate information is first saved as after sectional drawing by user, then The sectional drawing is supplied to scanning device to be scanned by the time for waiting more than the update cycle of 30 seconds, and scanning device can obtain it certainly The system time of body, then carries out phase reducing, you can identify this by it with the system time in the certificate information that reads Graphic code is out of date, the certificate information read as invalid certificates, is obtained so that authorization message, i.e. scanning device can not be extracted Authorization message is taken to fail.

For another example user has been changed after mobile terminal, then the mobile terminal after changing can be uploaded by social networking application System version information and/or the information such as device identification and replace the mobile terminal before the replacing stored in social networking application Relevant system parameters.If the identifying code shown on the mobile terminal before replacing is showed into bar coded, scanning is set It is standby the information such as system version information corresponding with the user and/or device identification to be downloaded by social networking application, then by it It is compared with the system parameter message that is included in certificate information.Because the mobile terminal of user has been changed, therefore both are not Matching, then can not extract authorization message, i.e. scanning device in certificate information and obtain authorization message failure.

In one embodiment, payment threshold value is may also include in certificate information.Scanning device can also be carried in certificate information Payment threshold value is taken, and obtains payment amount, judges whether payment amount is more than and pays threshold value, lost if so, then obtaining authorization message Lose.

There is provided and authorized so that in the application scenarios paid, user can pay with user by mobile terminal at one Set in the corresponding social networking application of account and pay threshold value.Mobile terminal can get the payment according to the social networking application Threshold value, then adds the payment threshold value when Generating Certificate information.

Service or commodity provider can be inputted payment amount by scanning device and show user to confirm, after user confirms Can input validation code generation instruction, and by mobile terminal show service or commodity provider.Service or commodity provider are logical After overscanning equipment is read out in the way of phy-aware to it, if the payment threshold value included in certificate information is less than the payment Number, then it represents that the finance data that this consumer need of the user is paid has exceeded the consumer expectation of the user, so that can not There is provided and authorize.

In one embodiment, as shown in Fig. 2 a kind of provide the system authorized, including mobile terminal by mobile terminal 10 and scanning device 20, wherein：

Mobile terminal 10 is used to obtain corresponding with user's payment account authorization message, is Generated Certificate letter according to authorization message Breath；Identifying code generation instruction is received, can be by the identifying code of phy-aware according to certificate information coding generation.

Scanning sets 20 and obtains certificate information for reading identifying code by phy-aware mode, and is extracted according to certificate information Authorization message.

In one embodiment, mobile terminal 10 is additionally operable to encode the checking of generation figure code type according to certificate information Code；

Scanning device 20 is additionally operable to by scanning figure shape code and decodes it and obtain certificate information.

In one embodiment, mobile terminal 10 is additionally operable to encode generation near-field communication type of message according to certificate information Identifying code.

Scanning sets 20 and is additionally operable to by inductive near field communication information and decodes it and obtain certificate information.

In one embodiment, mobile terminal 10 is additionally operable to encode the checking of generation vocal print code type according to certificate information Code.

Scanning device 20 is additionally operable to catch and decode by vocal print to obtain certificate information.

In one embodiment, mobile terminal 10 is additionally operable to obtain system parameter message, and according to system parameter message and Authorization message Generates Certificate information, and system parameter message includes at least one of system time, system version or device identification；

Scanning device 20 is additionally operable to that certificate information is carried out according to system parameter message to decode authorized information.

In one embodiment, also include paying threshold value in certificate information.

Scanning device 20, which is additionally operable to extract in certificate information, pays threshold value, and obtains payment amount, judges payment amount Whether it is more than and pays threshold value, if so, then obtains authorization message failure.

In one embodiment, as shown in fig. 6, a kind of method paid by mobile terminal, this method is depended on Computer program, runs in the computer system based on Von Neumann system.As shown in Fig. 2 the computer system may include Mobile terminal 10, scanning device 20 and paying server 30.Wherein, mobile terminal 10 can be smart mobile phone, tablet personal computer, the palm The portable terminals such as upper computer, intelligent watch.Scanning device 20 can carry camera, microphone or NFC (Near Field Communication, i.e. near field wireless communication technique) induction chip POS (Point of Sale, sale eventually End).Paying server 30 can be online banking service device, Third-party payment server or be taken as the third party of proxy payment Business device.

This method includes：

Step S202, scanning device reads the identifying code of mobile terminal generation by phy-aware mode and decoded it To authorization message, obtain payment amount and authorize collecting account, by authorization message, payment amount and mandate collecting account hair Give paying server.

As before, be able to can pass through comprising the sensing equipments such as camera, microphone or NFC chip, scanning device in scanning device The graphic code picture of camera scanning mobile terminal generation, the NFC message generated by NFC chip sensing mobile terminal pass through The vocal print code that the loudspeaker that microphone catches mobile terminal is sent is come the certificate information of the middle storage that obtains mobile terminal, Ran Houzai Authorized information is extracted by decoding certificate information.

Authorize Web bank account of the collecting account comprising ISP or commodity provider, Third-party payment account, Social network account or online game account etc..And authorize collecting account also to be awarded comprising the gathering obtained in advance by paying server Information is weighed, so as to confirm that the ISP or commodity provider are the finance data recipient with legal identity.

Authorization message of collecting money can be in ISP or commodity provider registed authorization collecting account to paying server Application is obtained.ISP or commodity provider can submit the data such as business information, ID card information and guarantee fund when registering, After contact staff's examination ＆ verification passes through, you can distribute gathering authorization message to the mandate collecting account by paying server.Service or The mandate collecting account comprising gathering authorization message can be stored in scanning device by commodity provider.

In the present embodiment, payment amount can be manually entered by ISP or commodity provider and be obtained.For example, one In individual application scenarios, scanning device can be the PC with camera.Consumer is wished by smart mobile phone offline Once haircut consumption is paid under state, then the cashier of barber shop can input payment amount on PC manually, and show Confirm to consumer, consumer can open the corresponding application of this method after confirming on smart mobile phone, then by the figure of generation Shape code picture presentation give the cashier, the cashier can be scanned by the camera on PC the graphic code picture so as to Extracted by the scanning device and obtain the corresponding authorization message of the consumer.

In another embodiment, payment amount can also be obtained by reading configuration file.For example, in an application scenarios In, scanning device can be the vending machine for beverage with NFC chip.When consumer is wished by intelligent watch in offline shape When buying one bottle of beverage under state, then the consumer first can select beverage according to the marked price on vending machine, and the marked price is corresponding Payment amount is storable in the configuration file of vending machine.Then consumer can be corresponding close to the beverage by intelligent watch NFC inductors, so as to be sent to the certificate information that the application corresponding with this method on intelligent watch is generated automatically by NFC Vending machine.Vending machine then can extract authorized information, and read corresponding branch according to the corresponding beverage mark of NFC inductors Pay number.Vending machine can open corresponding hang according to the corresponding beverage mark of NFC inductors after continuation payment success Lock, consumer can take beverage away and complete transaction.

In one embodiment, for mobile terminal and scanning device with NFC chip, scanning device will be believed authorizing Breath, payment amount and mandate collecting account are sent to before paying server also return to mobile terminal by NFC and pointed out The information such as name of product, product quantity and payment amount can be included in message, the prompt message.Mobile terminal is connect by NFC Receive and shown after the prompt message, branch is confirmed after then being returned after the instruction of user's input validation by NFC to scanning device The message paid, scanning device is received after the message that the confirmation is paid again by authorization message, payment amount and mandate gathering account Family is sent to paying server.

Step S204, paying server obtains the mandate of user's payment account corresponding with authorization message, by payment amount Paid by user's payment account into mandate collecting account.

In the present embodiment, paying server can obtain corresponding Web bank, Third-party payment according to authorization message and put down The mandate of platform, social networking application or online game application, is then paid payment amount by user corresponding with authorization message Bill payment gives mandate collecting account.Payment amount can correspondent entity currency finance data, can also correspond to the financial number of ideal money According to.

In another embodiment, user's payment account and mandate collecting account can be Third-party payment account.

Payment amount is paid into the step into mandate collecting account by user's payment account may include：

Paying server is paid payment amount into third party guarantees account by user's payment account, and is generated and user Payment account transaction record corresponding with collecting account is authorized.

In the present embodiment, paying server receives the confirmation payment instruction uploaded, obtains and confirms that payment instruction is corresponding Transaction record, obtains mandate collecting account corresponding with transaction record and payment amount, by payment amount by third party guarantees Bill payment is into mandate collecting account.

In the present embodiment, user can access according to user's payment account after mobile terminal is in networking state and pay clothes Device download transactions of being engaged in record, and the transaction record shown according to mobile terminal uploads confirmation payment instruction to paying server. In other embodiment, user can also on other networked devices on such as PC, notebook computer equipment according to user's branch Account access paying server is paid, and uploads confirmation payment instruction.

That is, the checking that service or commodity provider are shown by the mobile terminal of bar coded off-line state The authorized information of code is simultaneously uploaded to after paying server, paying server not by user's payment account with paying number The corresponding finance data direct payment of volume is first paid the of Third-party payment platform offer to authorizing collecting account On tripartite's secured account.The third party guarantees account can play a part of guarantee, only when consumer connects internet again, lead to Cross mobile terminal or other networked devices to access after paying server browses the transaction record and confirm it, pay clothes The corresponding finance data of payment amount just by third party guarantees bill payment can be given the mandate collecting account by business device.So as to prevent ISP or commodity provider sell counterfeit and shoddy goods.

And if consumer has found that commodity of its purchase are fake products, it can not confirm that the transaction is recorded, and to payment Server submits instrument of evidence filing of the award.Contact staff can be obtained the instrument of evidence by paying server and it is examined Core, if examination ＆ verification passes through, can return to payment amount the use of consumer after businessman corresponding with authorizing collecting account consults In the payment account of family.It is preferred that, if long term consumer does not confirm the transaction, the generation time time-out of transaction record Afterwards, mandate collecting account can be paid by payment amount automatically.

For example, in an application scenarios, this method is based on social networking application.Consumer can pass through social networking application Account logs in paying server and checks its transaction record, and it is confirmed.Wish if consumer buys counterfeit and shoddy goods Reimbursement, then can input reimbursement instruction, and send the types such as picture, word or video to its customer service account by social networking application The instrument of evidence.Contact staff can receive the instrument of evidence by customer service account, if examination ＆ verification passes through, by payment amount by the 3rd Square secured account returns to the corresponding user's payment account of social networking application account of the initiation reimbursement.

In another embodiment, paying server receives the feedback information corresponding with transaction record uploaded, and periodically Transaction record is obtained, the corresponding mandate collecting account of transaction record, payment amount and corresponding feedback information are obtained, according to feedback Information by payment amount by third party guarantees bill payment to authorize collecting account in.

That is, user is connected behind internet again by mobile terminal or other-end equipment, it may have access to and pay clothes Business device browses the transaction record, and adds corresponding feedback information, and feedback information can include evaluation information and/or the instrument of evidence. Paying server periodically (billing cycle for example weekly, monthly) can be carried out to transaction record (i.e. the migration of finance data is recorded) Clearing, obtain the corresponding feedback information of transaction record.If feedback information is commented for difference, and is incidentally provided with the corresponding instrument of evidence, Then the payment amount in third party guarantees account can be returned to the corresponding use of transaction record by contact staff after consulting with businessman Family payment account.

It is preferred that, can also be to authorizing the corresponding service provider of collecting account or commodity provider to punish, punishment side Formula may include Frozen Account, deduct the guarantee fund paid during its registed authorization collecting account, reduce its credit rating or extend it Billing cycle etc.；If feedback information is favorable comment or do not evaluated, payment amount can be given by Third-party payment bill payment and authorized Collecting account.

It is preferred that, ISP or commodity provider can upload commodity price-list to paying server in advance.Pay clothes Business device to the mandate collecting account be traded record clearing when, can determine whether the corresponding payment amount of transaction record whether with phase The commodity price-list matching answered, if so, then giving mandate collecting account by third party guarantees bill payment by payment amount.For example, Trade name that can be in transaction record searches corresponding price numerical value in commodity price-list, if payment amount and the price Values match, then give mandate collecting account by payment amount by third party guarantees bill payment.

Further, paying server is paid payment amount to mandate by user's payment account corresponding with authorization message Also include before step in collecting account：

Paying server obtains gathering threshold value corresponding with authorizing collecting account, judges whether payment amount is more than gathering threshold Value, if so, then returning to the notice for paying failure.

Paying server can be sorted out previously according to the log-on message submitted when authorizing collecting account registration to it, and be The type of different mandate collecting accounts sets gathering threshold value respectively.For example, for type the awarding for convenience store of log-on message Collecting account is weighed, the type that its corresponding gathering threshold value is then significantly less than log-on message is the mandate collecting account in household electrical appliances market. Paying server can determine whether that the corresponding payment amount of transaction record is when being traded record clearing to the mandate collecting account It is no to be more than the corresponding gathering threshold value of mandate collecting account, if so, the then notice of remigration failure；If it is not, then by payment amount Mandate collecting account is given by third party guarantees bill payment.

In one embodiment, as shown in Fig. 2 a kind of system paid by mobile terminal, including scanning device 20 and paying server 30, wherein：

Scanning device 20 is used to read the identifying code of mobile terminal generation by phy-aware mode and decode it to obtain Authorization message, obtains payment amount and authorizes collecting account, and authorization message, payment amount and mandate collecting account are sent To paying server 30.

Paying server 30 is used for the mandate for obtaining corresponding with authorization message user's payment account, by payment amount by with Family payment account is paid into mandate collecting account.

In one embodiment, paying server 30 is additionally operable to by user's payment account pay payment amount to third party In secured account, and generate transaction record corresponding with user's payment account and mandate collecting account.

In one embodiment, paying server 30 is additionally operable to receive the confirmation payment instruction uploaded, obtains and confirms to pay Instruct corresponding transaction record, obtain it is corresponding with transaction record authorizes collecting account and payment amount, by payment amount by Third party guarantees bill payment is into mandate collecting account.

In one embodiment, paying server 30 is additionally operable to receive the feedback information corresponding with transaction record uploaded, And transaction record is periodically obtained, obtain the corresponding mandate collecting account of transaction record, payment amount and corresponding feedback information, root According to feedback information by payment amount by third party guarantees bill payment to authorize collecting account in.

In one embodiment, paying server 30 is additionally operable to obtain gathering threshold value corresponding with authorizing collecting account, sentences Whether disconnected payment amount is more than gathering threshold value, if so, then returning to the notice for paying failure.

In one embodiment, as shown in fig. 7, a kind of offline electronic payment method, this method depends on computer program, it can transport Row is in the computer system based on Von Neumann system.As shown in Fig. 2 the computer system may include mobile terminal 10, sweep Retouch equipment 20 and paying server 30.Wherein, mobile terminal 10 can be smart mobile phone, tablet personal computer, palm PC, intelligent hand The portable terminals such as table.Scanning device 20 can carry camera, microphone or NFC (Near Field Communication, i.e. near field wireless communication technique) induction chip POS (Point of Sale, point-of-sale terminal).Pay Server 30 can be online banking service device, Third-party payment server or the third-party server as proxy payment.

This method includes：

Step S302, acquisition for mobile terminal authorization message corresponding with user's payment account is generated according to authorization message and demonstrate,proved Letter ceases；Identifying code generation instruction is received, can be by the identifying code of phy-aware according to certificate information coding generation.

Step S304, scanning device reads identifying code by phy-aware mode and decodes it authorized information, obtains Take payment amount and authorize collecting account, authorization message, payment amount and mandate collecting account are sent to payment services Device.

Step S306, paying server obtains the mandate of user's payment account corresponding with authorization message, by payment amount Paid by user's payment account into mandate collecting account.

In an application scenarios, as shown in figure 8, Fig. 8 illustrates the complete payment process of offline electronic payment method.

Mobile terminal updates certificate information every default update cycle timing acquisition system parameter message and authorization message. Consumer is it is determined that after the commodity of purchase, businessman can input payment amount into scanning device and show consumer to carry out really Recognize, consumer confirms to can trigger identifying code generation instruction after the payment amount is errorless, then mobile terminal is given birth to according to certificate information Into identifying codes such as graphic code, NFC message or vocal print codes.

Scanning device is pre-stored in scanning device by reading the authorized information of identifying code extraction, and obtaining businessman Collecting account is authorized, payment amount, authorization message and mandate collecting account are uploaded to paying server.Paying server can be returned Returning ACK (connection confirmation message) notifies scanning device to upload successfully.Scanning device can show the successful payment result letter of payment Breath.

Paying server, which receives payment amount, authorization message and authorizes to be obtained according to authorization message after collecting account, to disappear The mandate of the person of expense, so that payment amount is paid to corresponding third party guarantees account by user's payment account of consumer If (for example, user's payment account, which is wealth, pays logical account, payment amount is 10.00, and unit is RMB, then can be paid by user Bill payment number is 10.00, and unit is paid on logical secured account for financial number to the wealth of RMB).

The network connection that consumer can subsequently open mobile terminal is networked, and then accesses paying server download transactions Record, and upload confirmation payment instruction and transaction record is confirmed.Paying server can be carried on a shoulder pole payment amount by third party Protect bill payment and give mandate collecting account.

In another application scenarios, as shown in figure 9, the network connection that consumer can subsequently open mobile terminal is joined Net, then accesses paying server download transactions record, and upload feedback information corresponding with transaction record.Paying server can Periodically according to feedback information to authorizing collecting account to settle accounts, by the corresponding payment number of transaction record that feedback information is favorable comment Volume pays corresponding mandate collecting account, and feedback information is authorized at collecting account for the poor transaction record commented is corresponding Penalize.

In one embodiment, as shown in Fig. 2 including mobile terminal 10, scanning device 20 and paying server 30, its In：

Scanning device 20 is used to read identifying code by phy-aware mode and decodes it authorized information, obtains branch Pay number and authorize collecting account, authorization message, payment amount and mandate collecting account are sent to paying server.

In one embodiment, as shown in Figure 10, a kind of method for generating the identifying code comprising authorization message, including：

Step 402, corresponding with user's payment account authorization message is obtained, is Generated Certificate information according to authorization message.

Step 404, identifying code generation instruction is received, can be by the identifying code of phy-aware according to certificate information coding generation.

In one embodiment, identifying code generation instruction generates instruction for graphic code.

According to certificate information encode generation can by phy-aware identifying code the step of also include：

The identifying code of figure code type is generated according to certificate information.

In one embodiment, identifying code generation instruction generates instruction for near-field communication message.

The identifying code of near-field communication type of message is generated according to certificate information.

In one embodiment, identifying code generation instruction refers to for vocal print code generation.

The identifying code of vocal print code type is generated according to certificate information.

In one embodiment, according to authorization message Generate Certificate information the step of also include：

Obtain system parameter message and/or pay threshold value, and Generated Certificate letter according to system parameter message and authorization message Breath, system parameter message includes at least one of system time, system version or device identification.

In one embodiment, as shown in figure 11, a kind of device for generating the identifying code comprising authorization message, including：

Certificates constructing module 102, for obtaining authorization message corresponding with user's payment account, is generated according to authorization message Certificate information.

Identifying code generation module 104, for receiving identifying code generation instruction, encoding generation according to certificate information can be by physics The identifying code of perception.

Identifying code generation module 104 is additionally operable to generate the identifying code of figure code type according to certificate information.

Identifying code generation module 104 is additionally operable to generate the identifying code of near-field communication type of message according to certificate information.

In one embodiment, identifying code generation instruction is vocal print code generation instruction.

Identifying code generation module 104 is additionally operable to generate the identifying code of vocal print code type according to certificate information.

In one embodiment, certificates constructing module 102 is additionally operable to obtain system parameter message and/or pays threshold value, and Generated Certificate information according to system parameter message and authorization message, system parameter message includes system time, system version or set At least one of standby mark.

In one embodiment, as shown in figure 12, a kind of method for reading the authorization message stored in mobile terminal, bag Include：

Step S502, the identifying code for reading mobile terminal generation by phy-aware mode obtains certificate information.

Step S504, authorization message is extracted according to certificate information.

In one embodiment, the identifying code for reading mobile terminal generation by phy-aware mode obtains certificate information Step also includes：

Certificate information is obtained by scanning the graphic code of mobile terminal generation and decoding it.

Certificate information is obtained by sensing the near-field communication message of mobile terminal generation and decoding it.

Certificate information is obtained by catching the vocal print code of mobile terminal generation and decoding.

In one embodiment, certificate information is contained in the corresponding system parameter message of mobile terminal, system parameter message Including at least one of system time, system version or device identification；

The step of extracting authorization message according to certificate information also includes：

Certificate information is carried out according to system parameter message to decode authorized information.

In one embodiment, it is characterised in that also include paying threshold value in certificate information.

Payment threshold value can be also extracted in certificate information, and obtains payment amount, judges whether payment amount is more than and pays Threshold value, if so, then obtaining authorization message failure.

In one embodiment, as shown in figure 13, a kind of device for reading the authorization message stored in mobile terminal, bag Include：

Certificate read module 202, the identifying code for reading mobile terminal generation by phy-aware mode obtains certificate Information.

Authorization message extraction module 204, for extracting authorization message according to certificate information.

In one embodiment, certificate read module 202 is additionally operable to by scanning the graphic code and right that mobile terminal is generated Its decoding obtains certificate information.

In one embodiment, the near-field communication that certificate read module 202 is additionally operable to generate by sensing mobile terminal disappears Cease and decode it and obtain certificate information.

In one embodiment, certificate read module 202 is additionally operable to the vocal print code by catching mobile terminal generation and solved Code obtains certificate information.

In one embodiment, certificate information is contained in the corresponding system parameter message of mobile terminal, system parameter message Including at least one of system time, system version or device identification.

Authorization message extraction module 204 is additionally operable to that certificate information is carried out according to system parameter message to decode authorized letter Breath.

Authorization message extraction module 204, which is additionally operable to extract in certificate information, pays threshold value, and obtains payment amount, judges Whether payment amount, which is more than, pays threshold value, if so, then obtaining authorization message failure.

One of ordinary skill in the art will appreciate that realize all or part of flow in above-described embodiment method, being can be with The hardware of correlation is instructed to complete by computer program, described program can be stored in one or more embodied on computer readable In storage medium, the program is upon execution, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, described storage is situated between Matter can be magnetic disc, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access Memory, RAM) etc..

Embodiment described above only expresses the several embodiments of the present invention, and it describes more specific and detailed, but simultaneously Therefore the limitation to the scope of the claims of the present invention can not be interpreted as.It should be pointed out that for one of ordinary skill in the art For, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the guarantor of the present invention Protect scope.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.

Claims

1. a kind of provide the method authorized by mobile terminal, including：

Mobile terminal obtains authorization message corresponding with user's payment account when in networking state；The authorization message is use In the authorization code or grant number that confirm user identity；

The mobile terminal receives identifying code generation instruction when in off-line state, can be by thing according to certificate information generation Manage the identifying code perceived；

Scanning device reads the identifying code by phy-aware mode and obtains the certificate information, and according to the certificate information Extract the authorization message.

2. according to the method described in claim 1, it is characterised in that the mobile terminal can quilt according to certificate information generation The step of identifying code of phy-aware, includes：

The scanning device reads the step of identifying code obtains the certificate information by phy-aware mode also to be included：

3. according to the method described in claim 1, it is characterised in that the mobile terminal can quilt according to certificate information generation The step of identifying code of phy-aware, includes：

4. according to the method described in claim 1, it is characterised in that the mobile terminal can quilt according to certificate information generation The step of identifying code of phy-aware, includes：

The scanning device is caught by vocal print and obtains the certificate information.

5. the method according to any one of Claims 1-4, it is characterised in that the mobile terminal is believed according to described authorize Ceasing the step of Generating Certificate information also includes：

The mobile terminal periodically obtains system parameter message, and is generated according to the system parameter message and the authorization message Certificate information；

6. method according to claim 5, it is characterised in that the mobile terminal timing acquisition system parameter message, bag Include：

The mobile terminal in the off-line state and be not used user's payment account and its password login it is corresponding Using when periodically obtain the system parameter message.

7. method according to claim 5, it is characterised in that the scanning device is extracted according to the certificate information and authorized The step of information, also includes：

The scanning device carries out decoding authorized information according to the system parameter message to the certificate information.

8. the method according to any one of Claims 1-4, it is characterised in that also include paying threshold in the certificate information Value；

Methods described also includes：

The scanning device extracts the payment threshold value in the certificate information, and obtains payment amount, judges described pay Whether number is more than the payment threshold value, if so, then obtaining the authorization message failure.

9. the method according to any one of Claims 1-4, it is characterised in that methods described also includes：

The mobile terminal accesses paying server when in the networking state according to user's payment account, downloads and hands over Easily record；And confirmation payment instruction is uploaded to the paying server according to the transaction record.

10. a kind of provide the system authorized, including the mobile terminal and scanning device by mobile terminal, it is characterised in that：

The mobile terminal is used to obtain authorization message corresponding with user's payment account, the mandate when in networking state Information is the authorization code or grant number for confirming user identity；

The mobile terminal is used to receive identifying code generation instruction when in off-line state, can according to certificate information generation By the identifying code of phy-aware；

The scanning device is used to read the identifying code that the mobile terminal is provided under off-line state by phy-aware mode The certificate information is obtained, and the authorization message is extracted according to the certificate information.

11. a kind of method for generating the identifying code comprising authorization message, including：

Authorization message corresponding with user's payment account is obtained when in networking state, the authorization message is for confirming to use The authorization code or grant number of family identity；

Generated Certificate information according to the authorization message；

Identifying code generation instruction is received when in off-line state, can be by the checking of phy-aware according to certificate information generation Code.

12. a kind of device for generating the identifying code comprising authorization message, including：

Certificates constructing module, for obtaining authorization message corresponding with user's payment account when in networking state；According to institute State authorization message to Generate Certificate information, the authorization message is the authorization code or grant number for confirming user identity；

Identifying code generation module, for receiving identifying code generation instruction when in off-line state, gives birth to according to the certificate information Into can be by the identifying code of phy-aware.

13. a kind of method for reading the authorization message stored in mobile terminal, including：

The identifying code that mobile terminal generates when in off-line state is read by phy-aware mode and obtains certificate information；

Authorization message is extracted according to the certificate information, the authorization message is authorization code or the mandate for confirming user identity Number.

14. a kind of device for reading the authorization message stored in mobile terminal, including：

Certificate read module, for reading the identifying code that mobile terminal is generated when in off-line state by phy-aware mode Obtain certificate information；

Authorization message extraction module, for extracting authorization message according to the certificate information, the authorization message is for confirming The authorization code or grant number of user identity.

15. a kind of method paid by mobile terminal, it is characterised in that methods described includes：

The mandate of user's payment account corresponding with authorization message is obtained, the authorization message is for confirming awarding for user identity Weighted code or grant number；

Wherein, the authorization message is that the identifying code that scanning device reads mobile terminal by phy-aware mode is obtained；Institute It is that the mobile terminal obtains the mandate letter corresponding with user's payment account when in networking state to state identifying code The information that Generated Certificate after breath, according to the authorization message and received when in off-line state identifying code generation instruction when, root Generated according to the certificate information.

16. a kind of device paid by mobile terminal, it is characterised in that described device includes：

For the module for the mandate for obtaining user's payment account corresponding with authorization message, the authorization message is for confirming to use The authorization code or grant number of family identity；

Wherein, the authorization message is that the identifying code that scanning device reads mobile terminal generation by phy-aware mode is obtained 's；The identifying code is that the mobile terminal obtains described award corresponding with user's payment account when in networking state The information that Generated Certificate after power information, according to the authorization message simultaneously receives identifying code generation instruction when in off-line state When, according to the certificate information generate.

17. a kind of offline electronic payment method, it is characterised in that methods described includes：

Mobile terminal obtains authorization message corresponding with user's payment account when in networking state；According to the authorization message Generate Certificate information；Identifying code generation instruction is received when in off-line state, can be by physics according to certificate information generation The identifying code of perception；The authorization message is the authorization code or grant number for confirming user identity；

Scanning device reads the authorized information of the identifying code by phy-aware mode, obtains payment amount and authorizes and receives Money account, paying server is sent to by the authorization message, the payment amount and the mandate collecting account；

The paying server obtains the mandate of user's payment account corresponding with the authorization message, by the payment amount by User's payment account is paid into the mandate collecting account.

18. a kind of offline electronic payment system, including mobile terminal, scanning device and paying server, it is characterised in that：

The mobile terminal is used to obtain authorization message corresponding with user's payment account when in networking state；According to described Authorization message Generates Certificate information；Identifying code generation instruction is received when in off-line state, is generated according to the certificate information Can be by the identifying code of phy-aware；The authorization message is the authorization code or grant number for confirming user identity；

The scanning device is used to read the authorized information of the identifying code by phy-aware mode, obtain payment amount with And collecting account is authorized, the authorization message, payment amount and mandate collecting account are sent to the paying server；

The paying server is used for the mandate for obtaining user's payment account corresponding with the authorization message, by the payment number Volume is paid into the mandate collecting account by user's payment account.

19. a kind of computer read/write memory medium, it is characterised in that be stored with one or more journeys in the storage medium Sequence, realizes as above claim 11 or the method described in claim 13 or claim 15 when described program is performed.