CN111935684A - Bluetooth payment system and method - Google Patents
Bluetooth payment system and method Download PDFInfo
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- CN111935684A CN111935684A CN202010692013.5A CN202010692013A CN111935684A CN 111935684 A CN111935684 A CN 111935684A CN 202010692013 A CN202010692013 A CN 202010692013A CN 111935684 A CN111935684 A CN 111935684A
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- 238000000034 method Methods 0.000 title claims abstract description 24
- 238000012795 verification Methods 0.000 claims abstract description 70
- 230000001360 synchronised effect Effects 0.000 claims description 2
- 238000004891 communication Methods 0.000 description 8
- 238000010586 diagram Methods 0.000 description 4
- 230000003203 everyday effect Effects 0.000 description 3
- 238000013475 authorization Methods 0.000 description 2
- 238000004364 calculation method Methods 0.000 description 1
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0869—Network architectures or network communication protocols for network security for authentication of entities for achieving mutual authentication
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/10—Protocols in which an application is distributed across nodes in the network
- H04L67/1095—Replication or mirroring of data, e.g. scheduling or transport for data synchronisation between network nodes
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/30—Services specially adapted for particular environments, situations or purposes
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W76/00—Connection management
- H04W76/10—Connection setup
- H04W76/14—Direct-mode setup
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- Business, Economics & Management (AREA)
- Signal Processing (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
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- General Engineering & Computer Science (AREA)
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Abstract
The invention provides a Bluetooth offline payment method and a Bluetooth offline payment system, which are used for payment transaction of a first Bluetooth device and a second Bluetooth device in an offline state, and the method comprises the following steps: when the first Bluetooth device and the second Bluetooth device are in an off-line state, the first Bluetooth device and the second Bluetooth device mutually complete identity authentication by adopting a verification code in Bluetooth broadcast information and establish Bluetooth connection, wherein the verification code is respectively provided to the first Bluetooth device and the second Bluetooth device by a server when the first Bluetooth device and the second Bluetooth device are in an on-line state; and carrying out payment and receipt transaction between the first Bluetooth device and the second Bluetooth device, and respectively storing transaction records. By adopting the technical scheme of the invention, the payment of the digital currency can be realized in an off-line state.
Description
Technical Field
The invention relates to the technical field of payment, in particular to a Bluetooth payment system and a Bluetooth payment method.
Background
The digital currency payment (DC/EP) newly released by the people's bank in China is digital currency which comprehensively replaces the traditional cash, the payment mode realizes the payment in an off-line state, the receiving and paying parties need to carry out necessary data exchange, the requirement cannot be met due to a one-way two-dimensional code mode, and the DC/EP-based payment at the present stage mainly adopts an NFC mode. NFC needs special configuration of terminal equipment, and the use mode of NFC is restricted in use because of the reason of antenna, and a lot of current personal terminals in the market can't directly use.
Disclosure of Invention
The invention aims to provide a Bluetooth payment system and a Bluetooth payment method, so that the payment of digital currency can be realized in an off-line state.
In an embodiment of the present invention, an offline bluetooth payment method is provided, where the offline payment method is used for a first bluetooth device and a second bluetooth device to perform a payment transaction in an offline state, and the method includes:
when the first Bluetooth device and the second Bluetooth device are in an off-line state, the first Bluetooth device and the second Bluetooth device mutually complete identity authentication by adopting a verification code in Bluetooth broadcast information and establish Bluetooth connection, wherein the verification code is respectively provided to the first Bluetooth device and the second Bluetooth device by a server when the first Bluetooth device and the second Bluetooth device are in an on-line state;
and carrying out payment and receipt transaction between the first Bluetooth device and the second Bluetooth device, and respectively storing transaction records.
In this embodiment of the present invention, the process of the first bluetooth device and the second bluetooth device mutually completing identity authentication includes:
the first Bluetooth equipment sends out Bluetooth broadcast information, wherein the Bluetooth broadcast information comprises a first verification code;
the second Bluetooth equipment acquires a first verification code in the Bluetooth broadcast information sent by the first Bluetooth equipment, and performs identity verification according to a preset identity verification algorithm so as to verify the identity of the first Bluetooth equipment;
the second Bluetooth equipment sends out Bluetooth broadcast information, and the Bluetooth broadcast information comprises a second verification code;
and the first Bluetooth equipment acquires a second verification code in the Bluetooth broadcast information sent by the second Bluetooth equipment, and performs identity verification according to a preset identity verification algorithm, so as to verify the identity of the second Bluetooth equipment.
In the embodiment of the invention, after the payment and receipt transaction is completed between the first Bluetooth device and the second Bluetooth device, when the online state is recovered again, the transaction record is synchronized to the server.
In this embodiment of the present invention, the server provides the first verification code and the second verification code for the first bluetooth device and the second bluetooth device at a set interval.
In this embodiment of the present invention, the first bluetooth device and the second bluetooth device communicate using a bluetooth BLE protocol.
In the embodiment of the invention, the invention also provides a Bluetooth offline payment system, which comprises a first Bluetooth device, a second Bluetooth device and a server,
the server is used for respectively providing a first verification code for verifying the identity of the first Bluetooth device and a second verification code for verifying the identity of the second Bluetooth device for the first Bluetooth device and the second Bluetooth device when the first Bluetooth device and the second Bluetooth device are in an online state;
when the first Bluetooth device and the second Bluetooth device are in an off-line state, the first Bluetooth device and the second Bluetooth device mutually complete identity authentication by adopting the first verification code and the second verification code and establish Bluetooth connection;
and carrying out payment and receipt transaction between the first Bluetooth device and the second Bluetooth device, and respectively storing transaction records.
Compared with the prior art, by adopting the Bluetooth offline payment method and the Bluetooth offline payment system, the Bluetooth equipment for transaction acquires the verification code for verifying the identity from the server in advance, carries the verification code in the Bluetooth broadcast information when performing offline transaction, establishes Bluetooth connection after verifying the identity through the verification code to ensure the privacy of communication, and then performs payment and receipt transaction and bookkeeping.
Drawings
Fig. 1 is a schematic diagram of a bluetooth offline payment system according to a first embodiment of the present invention.
Fig. 2 is a schematic diagram of a bluetooth offline payment method according to a second embodiment of the present invention.
Fig. 3 is a schematic diagram of a bluetooth offline payment method according to a third embodiment of the present invention.
Fig. 4 is a schematic diagram of a bluetooth offline payment method according to a fourth embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The following describes the implementation of the present invention in detail with reference to specific embodiments.
As shown in fig. 1, in a first embodiment of the present invention, a bluetooth offline payment system is provided, which includes a first bluetooth device, a second bluetooth device, and a server.
The server is used for respectively providing a first verification code for verifying the identity of the first Bluetooth device and a second verification code for verifying the identity of the second Bluetooth device for the first Bluetooth device and the second Bluetooth device.
It should be noted that, a payment APP similar to a digital wallet for payment is installed in both the first bluetooth device and the second bluetooth device, so that a payment transaction can be performed.
When the first Bluetooth device and the second Bluetooth device are in an online state, the first Bluetooth device and the second Bluetooth device are in communication connection with the server, and the server provides a first verification code for verifying the identity of the first Bluetooth device and a second verification code for verifying the identity of the second Bluetooth device for the first Bluetooth device and the second Bluetooth device respectively. The server may provide the first/second verification code to the first/second bluetooth device at a set time every day, and if the first/second bluetooth device is in an offline state at this time, provide the first/second verification code to the first/second bluetooth device while the first/second bluetooth device is online.
When the first Bluetooth device and the second Bluetooth device are in an off-line state and a payment transaction is to be carried out, the first Bluetooth device and the second Bluetooth device mutually complete identity authentication by adopting the first verification code and the second verification code and establish Bluetooth connection. And carrying out payment and receipt transaction between the first Bluetooth device and the second Bluetooth device, and respectively storing transaction records.
It should be noted that the first/second verification code is generated based on a specific encryption algorithm. An identity authentication module is arranged in a payment APP in the first/second Bluetooth equipment, and the identity authentication module adopts a specific decryption algorithm to carry out identity authentication operation on the first/second verification code, so that the identity of the first/second Bluetooth equipment is verified, and the first/second Bluetooth equipment can be confirmed to carry out offline transaction of digital money.
And when the online state is recovered again after the payment and receipt transaction between the first Bluetooth device and the second Bluetooth device is completed, synchronizing the transaction record to the server.
It should be noted that, in the present patent application specification and claims, the term "on-line" means that the first/second bluetooth device can connect to the internet and establish a communication connection with the server through the internet. "offline" means that the first/second bluetooth device may not be connected to the internet and cannot establish a communication connection with the server.
The first/second Bluetooth device can be realized by an intelligent mobile terminal such as a mobile phone and a tablet personal computer, and can also be realized by a fixed device with a Bluetooth function. Preferably, the first bluetooth device and the second bluetooth device communicate using the bluetooth BLE protocol. The information sent by the first bluetooth device in a BLE broadcast mode includes:
payee name + verification code (total length < 20);
the verification code is a regularly updated key string downloaded from the server by surfing the internet every day when the mobile phone is started (or in the morning), the key string + the user name + the date are calculated through a uniform Hash algorithm, the defined position in the key string is intercepted, and 6 digits are taken as the verification code. And the second Bluetooth device scans the Bluetooth signals with the peripheral format conforming to the budget, and verifies that the merchant belongs to the registered device in the system in a one-way calculation mode. The advantage of using the bluetooth BLE protocol for communication is that the connection and processing speed of the bluetooth BLE led communication mode is faster than other short-distance communication modes, and both are one-to-one, and the security is higher.
As shown in fig. 2, in the bluetooth offline payment method provided in the second embodiment of the present invention, the first/second bluetooth devices are implemented by using a mobile phone, and the offline payment is implemented as follows:
the mobile phone A and the mobile phone B acquire the verification codes from the server at a fixed time every day and store the verification codes to the local;
when the mobile phone A collects money for the mobile phone B, the Bluetooth BLE broadcast is started, and the broadcast contains the unique identifier of the payee and verification code information;
when the mobile phone B pays, nearby Bluetooth signals are actively scanned, when Bluetooth BLE signals of the mobile phone A are scanned, a ground verification code in the Bluetooth BLE signals is obtained and verified, and after the verification is passed, the mobile phone B sends the Bluetooth BLE signals comprising the unique identifier of the paying party and verification code information to the mobile phone A;
after receiving the Bluetooth BLE signal of the mobile phone B, the mobile phone A verifies the verification code sent by the mobile phone B, and after the verification is passed, the mobile phone A establishes Bluetooth connection with the mobile phone B;
carrying out payment and receipt transaction between the mobile phone A and the mobile phone B, and respectively storing transaction records in local;
and after the mobile phone A and the mobile phone B recover the online state, synchronizing the transaction records to the server.
As shown in fig. 3, the difference from the second embodiment of the present invention is that in the bluetooth offline payment method provided in the third embodiment of the present invention, the payee is a bus, and collects money through a bus money collecting terminal installed in the bus. The bus collection terminal sends BLE information, the passenger does not need to make the mobile phone close to the bus collection terminal, but the mobile phone is positioned at a certain distance (for example, within a range of 5 meters) from the collection terminal, and the specific collection and payment mode is the same as that of the embodiment of the invention. Because the collection mode of the bus is relatively standard, a stronger Bluetooth signal can be adopted, namely, the distance is increased, and the walking of passengers in the bus is reduced.
As shown in fig. 4, the difference from the second embodiment of the present invention is that in the bluetooth offline payment method provided in the fourth embodiment of the present invention, the digital wallet in the mobile phone may be recharged by a payer, or by a bank card pre-authorization manner, and a credit card bound to the digital wallet may be used to perform a pre-authorization operation to lock a sum, for example, 100 yuan per day. And during off-line payment, sending the encrypted authentication information to a payment receiving end, and mutually accounting and confirming.
In summary, with the bluetooth offline payment method and system of the present invention, the bluetooth device for transaction obtains the verification code for verifying the identity from the server in advance, when performing offline transaction, the verification code is carried in the bluetooth broadcast information, after verifying the identity through the verification code, the bluetooth connection is established to ensure the privacy of communication, then the transaction of receiving and paying payment can be performed and the accounting can be performed, and since the identity verification is performed, the authenticity and validity of the offline transaction can be ensured.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.
Claims (10)
1. A Bluetooth offline payment method is used for a first Bluetooth device and a second Bluetooth device to perform payment transaction in an offline state, and is characterized by comprising the following steps:
when the first Bluetooth device and the second Bluetooth device are in an off-line state, the first Bluetooth device and the second Bluetooth device mutually complete identity authentication by adopting a verification code in Bluetooth broadcast information and establish Bluetooth connection, wherein the verification code is respectively provided to the first Bluetooth device and the second Bluetooth device by a server when the first Bluetooth device and the second Bluetooth device are in an on-line state;
and carrying out payment and receipt transaction between the first Bluetooth device and the second Bluetooth device, and respectively storing transaction records.
2. The bluetooth offline payment method of claim 1, wherein the mutual authentication process of the first bluetooth device and the second bluetooth device comprises:
the first Bluetooth equipment sends out Bluetooth broadcast information, wherein the Bluetooth broadcast information comprises a first verification code;
the second Bluetooth equipment acquires a first verification code in the Bluetooth broadcast information sent by the first Bluetooth equipment, and performs identity verification according to a preset identity verification algorithm so as to verify the identity of the first Bluetooth equipment;
the second Bluetooth equipment sends out Bluetooth broadcast information, and the Bluetooth broadcast information comprises a second verification code;
and the first Bluetooth equipment acquires a second verification code in the Bluetooth broadcast information sent by the second Bluetooth equipment, and performs identity verification according to a preset identity verification algorithm, so as to verify the identity of the second Bluetooth equipment.
3. The bluetooth offline payment method of claim 1, further comprising:
and after the payment and receipt transaction is completed between the first Bluetooth device and the second Bluetooth device, synchronizing the transaction record to the server when the online state is recovered again.
4. The bluetooth offline payment method of claim 1, wherein the server provides the first authentication code and the second authentication code to the first bluetooth device and the second bluetooth device at a set interval.
5. The bluetooth offline payment method of claim 1, wherein said first bluetooth device and said second bluetooth device communicate using the bluetooth BLE protocol.
6. A bluetooth offline payment system, comprising: a first Bluetooth device, a second Bluetooth device, and a server,
the server is used for respectively providing a first verification code for verifying the identity of the first Bluetooth device and a second verification code for verifying the identity of the second Bluetooth device for the first Bluetooth device and the second Bluetooth device when the first Bluetooth device and the second Bluetooth device are in an online state;
when the first Bluetooth device and the second Bluetooth device are in an off-line state, the first Bluetooth device and the second Bluetooth device mutually complete identity authentication by adopting the first verification code and the second verification code and establish Bluetooth connection;
and carrying out payment and receipt transaction between the first Bluetooth device and the second Bluetooth device, and respectively storing transaction records.
7. The bluetooth offline payment system of claim 6, wherein said first bluetooth device and said second bluetooth device mutually perform authentication using said first verification code and said second verification code, comprising:
the first Bluetooth equipment sends out Bluetooth broadcast information, and the Bluetooth broadcast information comprises the first verification code;
the second Bluetooth equipment acquires a first verification code in the Bluetooth broadcast information sent by the first Bluetooth equipment, and performs identity verification according to a preset identity verification algorithm so as to verify the identity of the first Bluetooth equipment;
the second Bluetooth equipment sends out Bluetooth broadcast information, and the Bluetooth broadcast information comprises the second verification code;
and the first Bluetooth equipment acquires a second verification code in the Bluetooth broadcast information sent by the second Bluetooth equipment, and performs identity verification according to a preset identity verification algorithm, so as to verify the identity of the second Bluetooth equipment.
8. The bluetooth offline payment system of claim 6, wherein after the receipt and payment transaction between said first bluetooth device and said second bluetooth device is completed, the transaction record is synchronized to said server when the online status is restored again.
9. The bluetooth offline payment system of claim 8, wherein said server provides said first authentication code and said second authentication code to said first bluetooth device and said second bluetooth device at a set interval.
10. The bluetooth offline payment system of claim 6, wherein said first bluetooth device and said second bluetooth device communicate using a bluetooth protocol.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010692013.5A CN111935684A (en) | 2020-07-17 | 2020-07-17 | Bluetooth payment system and method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010692013.5A CN111935684A (en) | 2020-07-17 | 2020-07-17 | Bluetooth payment system and method |
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| CN112788600A (en) * | 2020-12-31 | 2021-05-11 | 中国人民银行数字货币研究所 | Method and device for realizing authentication and safe connection between Bluetooth devices |
| CN113034800A (en) * | 2021-02-20 | 2021-06-25 | 北京握奇智能科技有限公司 | Digital currency payment method and device |
| CN113807959A (en) * | 2021-01-28 | 2021-12-17 | 刘高峰 | Method and terminal for preventing digital assets from being repeatedly transferred in close range |
| CN115052254A (en) * | 2022-06-02 | 2022-09-13 | 北京万家互联科技有限公司 | Public transport payment system and method based on Bluetooth mobile phone card |
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| CN115052254A (en) * | 2022-06-02 | 2022-09-13 | 北京万家互联科技有限公司 | Public transport payment system and method based on Bluetooth mobile phone card |
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