CN114169880A - Off-line non-inductive payment method, system, equipment and storage medium - Google Patents
Off-line non-inductive payment method, system, equipment and storage medium Download PDFInfo
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- CN114169880A CN114169880A CN202111432616.2A CN202111432616A CN114169880A CN 114169880 A CN114169880 A CN 114169880A CN 202111432616 A CN202111432616 A CN 202111432616A CN 114169880 A CN114169880 A CN 114169880A
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- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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Abstract
The present disclosure relates to the field of computer technologies, and in particular, to an offline non-inductive payment method, system, device, and storage medium. The method comprises the steps that an induction reading head of a consumption terminal is arranged on a service providing end, an induction loop of a payment terminal is arranged on a served end, the induction reading head corresponds to the service providing end, the induction loop corresponds to the served end, and the induction reading head and the served end are in a structure that an induction communication distance is smaller than a communication set distance; the method comprises the steps that when commodity delivery or service providing is carried out between a service providing end and a served end, the distance between the service providing end and the served end is reduced, the sensing reading head arranged on the service providing end is bound with the service providing end, the sensing ring arranged on the served end is bound with the served end, and the binding between the service providing end and the served end in the transaction process is solved through the short-distance sensing communication between the sensing reading head and the sensing reading head, so that associated fee deduction is realized; the transaction fee deduction can be automatically completed off line and without feeling.
Description
Technical Field
The present disclosure relates to the field of computer technologies, and in particular, to an offline non-inductive payment method, system, device, and storage medium.
Background
With the continuous development of science and technology, the payment industry is rapidly transformed and advanced, service modes based on various technologies such as internet, Near Field Communication (NFC), Card simulation (HCE), and biometric identification are continuously innovated, application scenes are continuously expanded and enriched, and the integrated development of online and offline services is accelerated. How to improve the convenience of payment is a topic of intense interest in the art.
In order to improve the convenience of payment, in the prior art, payment is mostly performed through a biometric technology (e.g., face-brushing payment), specifically, for example, a consumer enters facial information on a device connected to a payment server, and sets an account and a password for payment, so as to realize binding of the facial information and the payment account. When a consumer consumes, firstly, the purchased commodity is scanned on the payment terminal, the payment terminal obtains the amount of money to be paid by the consumer according to the unit price of the scanned commodity, when the payment is carried out, the consumer scans the face information on the payment terminal, and the payment terminal obtains the account number and the password of the payment terminal and automatically pays the payment amount. However, the method still requires the action of payment (such as face brushing) by the consumer, the payment process is still sensible to the consumer, and the payment account number, the password and the facial information of the consumer are stored in the payment server, so that a great safety hazard exists.
There is a need for an offline non-inductive payment method that can perfectly solve the read-write sensing distance and ensure the international transaction security level equal to or even higher than that of a smart card, thereby solving the problems that in the prior art, a consumer needs to perform an additional payment action when paying, the payment convenience is poor, and the transaction security level is low.
Disclosure of Invention
In order to solve the problem that in the prior art, a consumer needs to perform an additional payment action when paying, and the payment convenience is poor, embodiments of the present disclosure provide an offline non-inductive payment method, system, device, and storage medium, which can improve the payment convenience and enhance the payment experience of the user. The method and the device of the embodiment can be applied to the field of digital currency transactions, and convenience of digital currency payment is improved.
Embodiments herein provide an offline non-sensitive payment method,
the method comprises the steps that an induction reading head of a consumption terminal is arranged on a service providing end, an induction loop of a payment terminal is arranged on a served end, the induction reading head corresponds to the service providing end, the induction loop corresponds to the served end, and the induction communication distance between the induction reading head and the induction loop is smaller than a communication set distance through the structures of the service providing end and the served end;
the induction ring and the induction reading head are provided with safety chips, so that the problem of off-line transaction safety is solved;
the method comprises the following steps of,
when goods are delivered or services are provided between the service providing end and the served end, the distance between the service providing end and the served end is reduced, the induction reading head arranged on the service providing end is bound with the service providing end, the induction ring arranged on the served end is bound with the served end, and through the short-distance induction communication between the induction reading head and the induction ring, the binding between the service providing end and the served end in a transaction process is solved, and the associated fee deduction is realized;
the three points realize that the transaction fee deduction is automatically finished off line and without feeling when the commodity is delivered or the service is provided, and manual intervention is not needed.
The embodiment of the invention also provides an offline non-inductive payment system, which comprises a service providing end, a served end, a consumption terminal arranged on the service providing end and a payment terminal arranged on the served end;
and when the service providing end, the served end, the consumption terminal and the payment terminal carry out the non-inductive payment, the method is executed.
Embodiments herein also provide a computer device comprising a memory, a processor, and a computer program stored on the memory, the processor implementing the above method when executing the computer program.
Embodiments herein also provide a computer storage medium having a computer program stored thereon, the computer program, when executed by a processor of a computer device, performing the above-described method.
By utilizing the embodiment of the text, when the delivery of the commodity or the service is carried out between the service providing end and the served end, the distance between the service providing end and the served end is reduced, so that the distance between the consumption terminal arranged on the service providing end and the payment terminal arranged on the served end is automatically reduced, the consumption terminal and the payment terminal carry out communication in a short-distance communication mode to automatically complete the delivery of the commodity or the service, the one-to-one correspondence between the induction ring and the served end and the one-to-one correspondence between the induction reading head and the service providing end are realized, the payment process of the delivery of the commodity or the service is realized, the one-to-one correspondence between the served end and the service providing end is established by the short distance between the induction ring and the induction reading head, the deduction of fee of the commodity or service providing personnel is not sensed, the delivery process and the payment process of the consumer are not sensed, the payment process does not need manual intervention, and the off-line non-sensed payment is realized, the convenience of payment is improved.
Drawings
In order to more clearly illustrate the embodiments or technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic structural diagram of an offline non-sensory payment system according to an embodiment of the present disclosure;
FIG. 2 is a schematic diagram of an off-line, non-inductive payment method of the present disclosure;
FIG. 3 is a flow diagram illustrating the completion of a non-inductive payment according to a fixed payment amount according to an embodiment herein;
FIG. 4 is a flow diagram illustrating completion of a non-inductive payment based on a calculated payment amount according to embodiments herein;
FIG. 5 is a detailed block diagram of a transaction system provided by embodiments herein;
fig. 6 is a schematic structural diagram of a computer device according to an embodiment of the present disclosure.
[ description of reference ]:
101. a service provider;
102. a served end;
103. a consumption terminal;
104. a payment terminal;
501. a service provider;
5011. a service providing unit;
5012. a payment status display unit;
502. a served end;
5021. a service receiving unit;
5022. a payment status display unit;
503. a consumption terminal;
5031. a consumption terminal transaction data acquisition unit;
5032. a payment transaction data receiving unit;
5033. a payment terminal key calculation unit;
5034. a transaction signature processing unit;
5035. a communication unit;
5036. a payment amount calculation unit;
504. a payment terminal;
5041. a payment transaction data acquisition unit;
5042. a consumption terminal transaction data receiving unit;
5043. a transaction signature processing unit;
5044. a gray lock processing unit;
5045. a fee deduction unit;
5046. a communication unit;
601. a computer device;
602. a processor;
603. a memory;
604. a drive mechanism;
605. an input/output module;
606. an input device;
607. an output device;
608. a presentation device;
609. a graphical user interface;
610. a network interface;
611. a communication link;
612. a communication bus.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments herein without making any creative effort, shall fall within the scope of protection.
It should be noted that the terms "first," "second," and the like in the description and claims herein and in the above-described drawings are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments herein described are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, apparatus, article, or device that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or device.
Fig. 1 is a schematic structural diagram of an offline non-sensory payment system according to an embodiment of the present disclosure, including: a service provider 101, a served terminal 102, a consuming terminal 103 and a payment terminal 104.
The inductive reading head of the consumption terminal 103 is arranged on the service provider 101, and the inductive loop of the payment terminal 104 is arranged on the served terminal 102.
In the prior art, the method of directly placing the contactless smart card (payment terminal 104) on the consumer (consumption terminal 103) is not feasible, mainly because the theoretical read-write distance of a general contactless smart card is 10 cm, the real maximum read-write distance is within 5cm, and the real effective read-write distance is less than 1 cm in many cases, like most people need to stick a contactless bus card on a gate for passing the gate when entering a subway.
The offline non-inductive payment in the embodiment of the invention can be applied to the fields of electronic payment and the like, such as application scenarios of automobile refueling, electric automobile charging, express receiving and dispatching services and the like.
For example, in an application scenario of automobile fueling, the service provider 101 may be a fueling gun of a fueling machine, the served terminal 102 may be a fuel tank of an automobile, the consumer terminal 103 may be a POS device disposed on the fueling gun, and the payment terminal 104 may be an IC card disposed on the fuel tank of the automobile. When the service providing end 101 (oil gun) provides oil filling service for the served end 102 (automobile oil tank), the oil gun is inserted into the oil tank, at the moment, the distance between the oil tanks of the oil gun is reduced, the POS machine on the oil gun can carry out near distance communication with the IC card on the oil tank, payment is automatically completed according to the oil filling amount, the payment action of manual execution of a car driver is not needed, and the non-inductive payment in the oil filling process is realized.
For example, in a service scenario of express delivery receiving in the prior art, a consumer needs to fill in waybill information, then place an express delivery in an express cabinet belonging to the consumer, a courier calculates freight charges according to the waybill information filled in by the consumer, express weight and the like, and the courier needs to take out the express delivery from the express cabinet and send a payment notice to the consumer. The service providing terminal 101 is a courier in the service scene of the express receiving, the served terminal 102 is an express cabinet, the consumption terminal 103 can be an intelligent bracelet worn on the hand of the courier, the payment terminal 104 can be an IC card arranged in the express cabinet, when the courier takes out the express from the express cabinet, the distance between the consumption terminal 103 worn on the hand of the courier and the payment terminal 104 in the express cabinet is reduced, the consumption terminal 103 and the payment terminal 104 perform close-range communication, payment is automatically completed according to freight fees, the courier does not need to send payment notices to consumers, the consumers do not need to manually execute consuming actions, and the non-inductive payment in the express receiving process is realized.
In addition, it should be noted that the above exemplary scenario is only one application scenario of the offline non-sensory payment system, and in practical applications, other application environments may also be included, for example, in an electric vehicle charging process, the service providing terminal 101 is a charging gun of a charging pile, the service target terminal 102 is a charging seat of the electric vehicle, the consumption terminal 103 is a POS device disposed on the charging gun, and the payment terminal 104 is an IC card disposed on the charging seat.
Fig. 2 is a schematic diagram illustrating an off-line and non-inductive payment method according to the present invention, which specifically includes:
201: the method comprises the steps that an induction reading head of a consumption terminal is arranged on a service providing end, an induction loop of a payment terminal is arranged on a served end, the induction reading head corresponds to the service providing end, the induction loop corresponds to the served end, and the induction reading head and the served end are in a structure that an induction communication distance is smaller than a communication set distance;
202: the induction ring and the induction reading head are provided with safety chips, so that the safety problem of off-line transaction is solved;
203: when goods are delivered or services are provided between the service providing end and the served end, the distance between the service providing end and the served end is reduced, the induction reading head arranged on the service providing end is bound with the service providing end, the induction ring arranged on the served end is bound with the served end, and through the short-distance induction communication between the induction reading head and the induction ring, the binding between the service providing end and the served end in a transaction process is solved, and the associated fee deduction is realized;
204: the three points realize that the transaction fee deduction is automatically finished off line and without feeling when the commodity is delivered or the service is provided, and manual intervention is not needed.
In addition, the offline non-sensitive payment method provided in the embodiments herein may further include the following steps:
step 1: when goods or services are delivered between the service providing end and the served end, the distance between the service providing end and the served end is reduced;
step 2: when the distance is smaller than a preset threshold value, the induction loop of the payment terminal on the served end and the induction loop of the consumption terminal on the service providing end communicate in a close-range communication mode, and the close-range induction of the safety chip of the induction loop and the safety chip of the induction reading head establishes a one-to-one correspondence relationship between the served end and the service providing end to complete the payment of the goods or the services;
by the method, when the goods or services are delivered between the service providing end and the served end, the distance between the service providing end and the served end is reduced, so that the distance between the consumption terminal arranged on the service providing end and the payment terminal arranged on the served end is automatically reduced, the consumption terminal and the payment terminal adopt a short-distance communication mode to communicate and automatically complete the delivery of the goods or services, one-to-one correspondence between the induction ring and the served end and one-to-one correspondence between the induction reading head and the service providing end are realized, the payment process of the delivery of the goods or services is realized, the one-to-one correspondence between the served end and the service providing end is established by the short distance between the induction ring and the induction reading head, the payment of goods or services providers is not sensitive, the consumers are not sensitive to the delivery process and the payment process, the payment process does not need manual intervention, and off-line non-sensitive payment is realized, the convenience of payment is improved.
In this embodiment, the predetermined threshold values in different application scenarios are different and determined according to the distance required by the service provider to complete the service provided to the served terminal. For example, in the application scenario of automobile refueling described in the embodiment herein, the fueling gun (service provider 101) needs to extend into the fueling port of the fuel tank (served by server 102) to complete refueling, so the predetermined threshold value may be set according to the distance between the fueling gun and the fueling port when the fueling gun extends into the fuel tank to perform refueling.
In addition, the specific position of the consumption terminal on the service provider and the specific position of the payment terminal on the served terminal are also determined according to the distance required by the service provider to complete the service provided to the served terminal and the near field communication range of the consumption terminal and the payment terminal. For example, in an application scenario of express delivery receiving, if a courier (service provider 101) needs to put a hand into an express cabinet (served terminal 102) when taking an express, a distance range between a wrist of the courier and an inner wall of the express cabinet is 5-15cm, and if a close-range communication range between a smart bracelet (consumer terminal 103) and an IC card (payment terminal 104) is 1-20cm, the smart bracelet (consumer terminal 103) may be set on the wrist of the courier (service provider 101), and the IC card (payment terminal 104) may be set on the inner wall of the express cabinet (served terminal 102).
According to an embodiment of the present disclosure, when the distance is smaller than a predetermined threshold value, the payment terminal on the served terminal and the consumption terminal on the service providing terminal communicate in a near field communication manner, and the payment for the goods or services is completed further includes that the payment terminal and the consumption terminal complete payment for the goods or services according to a fixed payment amount preset on the consumption terminal; or the consumption terminal determines payment amount according to the number and unit price of the delivered commodities or the times and unit prices of the services, and payment of the commodities or the services is completed.
In this embodiment, the consumption terminal may preset a fixed payment amount, and when the goods or services are delivered before the service provider and the served terminal, the consumption terminal and the payment terminal automatically complete offline non-inductive payment according to the fixed payment amount. For example, in the application scenario of express delivery receiving described in this embodiment, the consumption terminal may calculate the freight rate in advance according to the waybill information and the weight of the express delivery, and store the calculated freight rate in the consumption terminal, and when the courier takes out the express delivery from the express delivery cabinet, the consumption terminal worn on the wrist of the courier and the payment terminal in the express delivery cabinet automatically complete the offline non-inductive payment of the freight rate.
Further, in some other embodiments herein, the consumption terminal determines the payment amount according to the number and unit price of the goods delivered, or the number and unit price of the services delivered, and completes the offline non-inductive payment for the goods or services. For example, in the application scenario of vehicle fueling described in the embodiments herein, the consumption terminal may calculate the fueling amount according to the amount of fuel added and the unit price of the fuel, and when the fueling gun of the fueling machine finishes fueling the fuel tank of the vehicle, the consumption terminal disposed on the fueling gun and the payment terminal disposed at the fuel tank port automatically complete the off-line non-inductive payment of the fueling amount.
According to one embodiment herein, as shown in fig. 3, the completing, by the payment terminal and the consumption terminal, the payment for the goods or services according to the fixed payment amount preset on the consumption terminal further comprises,
step 301: synchronizing transaction data between the consuming terminal and a payment terminal, the transaction data including the fixed payment amount;
step 302: the payment terminal generates a payment transaction signature according to the transaction data and sends the payment transaction signature to the consumption terminal;
step 303: the consumption terminal generates a terminal transaction signature after verifying that the payment transaction signature passes, and sends the terminal transaction signature to the payment terminal;
step 304: and after the payment terminal verifies that the terminal transaction signature passes, deducting the balance of the payment terminal according to the payment amount and informing the consumption terminal of completing payment.
In this embodiment, the transaction data synchronized between the consumption terminal and the payment terminal is divided into consumption terminal transaction data and payment transaction data, wherein the consumption terminal transaction data includes a consumption terminal transaction serial number, a consumption terminal random number and a payment amount, the consumption terminal transaction serial number and the consumption terminal random number are generated by a PSAM security chip inside the consumption terminal, and the consumption terminal transaction serial number represents the total number of times that the consumption terminal has completed transactions; the payment transaction data comprises a payment terminal number, a payment transaction serial number, a payment random number and a balance, wherein the payment terminal number, the payment transaction serial number and the payment random number are generated by a security chip in the payment terminal, and the payment serial number represents the total times of transactions completed by the payment terminal.
In particular, the process of synchronizing transaction data between the consumer terminal and the payment terminal, step 301, may include,
the payment terminal sends payment transaction data to the consumption terminal;
and the consumption terminal receives the payment transaction data and sends the payment terminal transaction data to the payment terminal.
In addition, transaction data may also be synchronized between the consumption terminal and the payment terminal in other ways, and the embodiments herein are not limited.
In this embodiment, step 302, a security chip in the payment terminal generates a payment transaction signature according to the payment transaction data, a secret key of the payment terminal, and a symmetric encryption algorithm, and then sends the payment transaction signature to the consumption terminal, where the secret key of the payment terminal is set by an operator before the payment terminal leaves a factory.
In this embodiment, before the payment transaction signature is received by the consumption terminal in step 303, the key of the payment terminal is further calculated according to the synchronized payment terminal number and an upper-level key stored in the PSAM security chip of the consumption terminal, where the upper-level key is set by the operator before the consumption terminal leaves the factory. After the consumption terminal receives the payment transaction signature, a PSAM security chip in the consumption terminal verifies the payment transaction signature according to the calculated secret key of the payment terminal, the payment transaction data and the symmetric encryption algorithm, after the verification is passed, the PSAM calculates the terminal transaction signature according to the consumption terminal transaction data, the calculated secret key of the payment terminal and the symmetric encryption algorithm, and then the terminal transaction signature is sent to the payment terminal.
In this embodiment, in step 304, after receiving the terminal transaction signature sent by the consumption terminal, the payment terminal verifies the terminal transaction signature according to the transaction data of the consumption terminal, the secret key of the payment terminal and the symmetric encryption algorithm, and after the verification is passed, deducts the balance of the payment terminal according to the payment amount in the transaction data of the consumption terminal, and notifies the consumption terminal of completing the payment. The balance of the payment terminal is pre-stored in the remote server of the consumption terminal, so that the payment terminal can complete payment only by deducting the payment amount from the balance and informing the consumption terminal, and the payment terminal does not need to transfer the payment amount to the remote server of the consumption terminal, thereby realizing off-line payment between the payment terminal and the consumption terminal and improving the convenience of payment.
According to one embodiment herein, step 301 further comprises, after synchronizing transaction data between the consuming terminal and the payment terminal, the payment terminal verifying whether payment can be made based on the transaction data; and if the payment cannot be carried out, the service providing end terminates the delivery of the goods or services.
In this embodiment, after receiving the transaction data of the consumption terminal sent by the consumption terminal, the payment terminal verifies whether the payment can be performed according to the transaction data of the consumption terminal and the payment transaction data, specifically, the payment terminal can verify whether the payment can be performed according to the payment amount in the transaction data of the consumption terminal and the balance in the payment transaction data, and if the balance is less than the payment amount, the payment terminal determines that the payment cannot be performed. And if the payment cannot be carried out, the payment terminal informs the consumption terminal that the payment cannot be carried out, and the consumption terminal sends a message that the payment cannot be carried out to the service provider so that the service provider terminates the delivery of the goods or the services.
For example, in the application scenario of express pickup described in this embodiment, when a courier (service provider) picks up a pickup, after receiving a message that payment cannot be made by an IC card (payment terminal) in a courier cabinet (served terminal), an intelligent bracelet (consumption terminal) worn on a wrist of the courier sends a vibration or other form of signal to notify the courier (service provider) that payment cannot be made, and the courier (service provider) terminates pickup.
According to one embodiment herein, as shown in fig. 4, the consumption terminal determines a payment amount according to the number and unit price of the goods or the service delivered, and before completing the payment for the goods or service, further comprises,
step 401: synchronizing transaction data between the consuming terminal and a payment terminal, the transaction data including a balance of the payment terminal;
step 402: the consumption terminal generates a first terminal transaction signature according to the transaction data and sends the first terminal transaction signature to the payment terminal;
step 403: the payment terminal locks the balance after verifying that the first terminal transaction signature passes, generates a payment transaction signature according to the transaction data, and sends the payment transaction signature to the consumption terminal;
the consumption terminal determines a payment amount according to the number and unit price of the delivered goods or the number and unit price of the services, and completing the payment of the goods or the services further comprises,
step 404: after the consumption terminal verifies that the payment transaction signature passes, generating a second terminal transaction signature according to the payment amount, and sending the second terminal transaction signature and the payment amount to the payment terminal;
step 405: and after the payment terminal verifies that the second terminal transaction signature passes, unlocking the balance, deducting the fee according to the payment amount and informing the consumption terminal of completing the payment.
In this embodiment, the transaction data synchronized between the consumption terminal and the payment terminal is divided into consumption terminal transaction data and payment transaction data, wherein the consumption terminal transaction data includes a consumption terminal transaction serial number and a consumption terminal random number, the consumption terminal transaction serial number, the consumption terminal random number and the transaction type are generated by a PSAM security chip inside the consumption terminal, and the consumption terminal transaction serial number represents the total number of times that the consumption terminal has completed transactions; the payment transaction data comprises a payment terminal number, a payment transaction serial number, a payment random number and a balance, wherein the payment terminal number, the payment transaction serial number and the payment random number are generated by a security chip in the payment terminal, and the payment serial number represents the total times of transactions completed by the payment terminal.
In particular, the process of synchronizing transaction data between the consuming terminal and the payment terminal, step 401, may include,
the payment terminal sends payment transaction data to the consumption terminal;
and the consumption terminal receives the payment transaction data and sends the payment terminal transaction data to the payment terminal.
In addition, transaction data may also be synchronized between the consumption terminal and the payment terminal in other ways, and the embodiments herein are not limited.
In this embodiment, before the consumption terminal generates the first terminal transaction signature in step 402, the key of the payment terminal is further calculated according to the synchronized payment terminal number and an upper key stored in the PSAM security chip of the consumption terminal, the upper key being set by the operator before the consumption terminal leaves the factory. In step 402, the PSAM in the consuming terminal calculates a first terminal transaction signature according to the payment transaction data, the consuming terminal transaction data, the transaction type, the calculated secret key of the payment terminal, and the symmetric encryption algorithm, and then sends the first terminal transaction signature and the transaction type to the payment terminal.
In this embodiment, the transaction types include a gray lock and an unlock, where the gray lock indicates that the payment terminal is instructed to lock the balance, the balance cannot be changed by the payment terminal during the locking period, and the unlock indicates that the payment terminal is instructed to unlock the balance, and the balance is deducted according to the payment. In step 402, the PSAM in the consuming terminal calculates the transaction type used by the first terminal signature as a grey lock and sends the grey lock transaction type and the first terminal signature to the payment terminal.
In this embodiment, the security chip in the payment terminal of step 403 verifies the transaction signature of the first terminal according to the payment transaction data, the transaction data of the consumption terminal, the transaction type, the key of the payment terminal, and the symmetric encryption algorithm, and after the verification is passed, the balance is locked according to the transaction type of the gray lock. And then the security chip of the payment terminal calculates a payment transaction signature according to the payment transaction data, the secret key of the payment terminal and a symmetric encryption algorithm, and then sends the payment transaction signature to the consumption terminal.
In this embodiment, after the consumption terminal receives the payment transaction signature at step 404, the PSAM of the consumption terminal verifies the payment transaction signature according to the payment transaction data, the calculated key of the payment terminal, and the symmetric encryption algorithm. And after the verification is passed, the consumption terminal informs the service providing terminal to deliver the goods or the services to the served terminal, and then determines the payment amount according to the number and the unit price of the delivered goods or the times and the unit price of the services. And the PSAM calculates a second terminal transaction signature according to the payment amount, the transaction type, the payment transaction data, the consumption terminal transaction data, the calculated secret key of the payment terminal and a symmetric encryption algorithm, wherein the transaction type is unlocking. And then sending the transaction signature of the second terminal, the unlocked transaction type and the payment amount to the payment terminal.
In the text embodiment, after the payment terminal receives the transaction signature of the second terminal, the transaction signature of the second terminal is verified according to the payment amount, the transaction type, the payment transaction data, the transaction data of the consumption terminal, the secret key of the payment terminal and the symmetric encryption algorithm, after the verification is passed, the balance is unlocked, the balance of the payment terminal is deducted according to the payment amount in the transaction data of the consumption terminal, and the consumption terminal is informed to complete the payment. The balance of the payment terminal is pre-stored in the remote server of the consumption terminal, so that the payment terminal can complete payment only by deducting the payment amount from the balance and informing the consumption terminal, and the payment terminal does not need to transfer the payment amount to the remote server of the consumption terminal, thereby realizing off-line payment between the payment terminal and the consumption terminal and improving the convenience of payment.
According to one embodiment herein, the close range communication approach described in embodiments herein is Near Field Communication (NFC).
In the embodiment, the specific position of the consumption terminal on the service provider and the specific position of the payment terminal on the served terminal are determined according to the distance required by the service provider to complete the service provided for the served terminal and the communication range of the NFC. When the distance between the service providing end and the served end is smaller than the preset threshold value, the consumption terminal and the payment terminal can communicate through NFC to complete off-line non-inductive payment.
Fig. 5 is a detailed structural diagram of the transaction system provided in this embodiment, and the detailed structure of the transaction system is described in this figure, and specifically includes a service provider 501, a served terminal 502, a consuming terminal 503, and a payment terminal 504.
According to an embodiment herein, the service provider 501 further includes a service providing unit 5011 for delivering goods or services to the served end 502.
According to one embodiment herein, the service provider 501 further includes a payment status display unit 5012 for displaying the offline non-sensory payment results of the consuming terminal 503 and the payment terminal 504. In some embodiments herein, such as in the fueling application scenario described in embodiments herein, the payment status display unit 5012 may include a display screen on which the payment amount and the payment result are displayed. In some other embodiments herein, for example, in the courier receipt application scenario described in the embodiments herein, the payment status display unit 5012 may further include a vibration motor, and when the payment cannot be made, the vibration motor prompts the courier that the payment cannot be made by vibration so as to stop the courier from receiving the courier receipt service.
According to an embodiment herein, the served terminal 502 further includes a service receiving unit 5021 for receiving goods or services delivered by the service providing terminal 501.
According to an embodiment herein, the served terminal 502 further includes a payment status display unit 5022 for displaying the offline non-sensory payment results of the consuming terminal 503 and the payment terminal 504. In this embodiment, the payment status display unit 5022 may include a display screen or a communication module, and display the result of the payment on the display screen or transmit the result of the payment to a terminal or a server designated by the consumer through the communication module.
According to an embodiment of the present disclosure, the consuming terminal 503 further includes a consuming terminal transaction data obtaining unit 5031, configured to obtain consuming terminal transaction data of the consuming terminal 503 itself, in some embodiments of the present disclosure, for example, in a courier receiving application scenario described in the embodiment of the present disclosure, the consuming terminal transaction data includes a consuming terminal transaction serial number, a consuming terminal random number, and a payment amount. In some other embodiments herein, such as the fueling application scenario described in embodiments herein, the consumer terminal transaction data includes a consumer terminal transaction serial number, a consumer terminal random number. Wherein the consumption terminal transaction sequence number represents a total number of transactions completed by the consumption terminal. And the consumption terminal transaction data is generated by a PSAM security chip in the consumption terminal.
According to one embodiment herein, the consuming terminal 503 further comprises a payment transaction data receiving unit 5032 for receiving the payment transaction data sent by the payment terminal 504 through the communication unit 5035. In embodiments herein, the payment transaction data comprises a payment terminal number, a payment transaction serial number, a payment random number, a balance, the payment transaction serial number representing a total number of times the payment terminal has completed a transaction.
According to an embodiment herein, the consumption terminal 503 further includes a payment terminal key calculation unit 5033 configured to calculate a key of the payment terminal according to the payment terminal number in the payment transaction data received by the payment transaction data reception unit 5032 and an upper key in the PSAM security chip of the consumption terminal, where the upper key is set by an operator before the consumption terminal leaves a factory.
According to one embodiment herein, the consuming terminal 503 further comprises a transaction signature processing unit 5034 for calculating a terminal transaction signature from the payment transaction data, the consuming terminal transaction data, the key of the payment terminal, etc., and verifying the payment transaction signature sent by the transaction terminal. Specifically, the transaction signature processing unit 5034 may be a PSAM security chip in the consumer terminal, in some embodiments herein, such as an express delivery recipient application scenario, the transaction signature processing unit 5034 verifies the payment transaction signature according to the calculated secret key of the payment terminal, the payment transaction data and the symmetric encryption algorithm, after the verification is passed, the transaction signature processing unit 5034 calculates a terminal transaction signature according to the consumer terminal transaction data, the calculated secret key of the payment terminal and the symmetric encryption algorithm, and then sends the terminal transaction signature to the payment terminal 504 through the communication unit 5035; in some other embodiments herein, such as an automotive fueling application scenario, the transaction signature processing unit 5034 calculates a first terminal transaction signature based on the payment transaction data, the consumption terminal transaction data, the transaction type (grey lock), the calculated key of the payment terminal, and the symmetric encryption algorithm, and then sends the first terminal transaction signature, the transaction type to the payment terminal 504 via the communication unit 5035, and further, the transaction signature processing unit 5034 verifies the calculated payment transaction signature of the payment terminal 504 based on the payment transaction data, the calculated key of the payment terminal, and the symmetric encryption algorithm, and after the verification is passed, calculates a second terminal transaction signature based on the payment amount, the transaction type (unlock), the payment transaction data, the consumption terminal transaction data, the calculated key of the payment terminal, and the symmetric encryption algorithm, and then signs the second terminal transaction signature, The unlocked transaction type and the payment amount are transmitted to the payment terminal 504 through the communication unit 5035.
According to an embodiment herein, the consuming terminal 503 further includes a communication unit 5035, configured to perform close-range communication with the payment terminal 504, receive the payment transaction data, the payment transaction signature, and the payment result sent by the payment terminal 504, and send the consuming terminal transaction data and the terminal transaction signature to the payment terminal 504. In some embodiments, the communication unit 5035 may be a coil for short-range wireless communication. Further, in some other embodiments herein, the communication unit 5035 is further configured to notify the service provider 501 of a result that the payment cannot be made, after receiving the notification that the payment cannot be made sent by the payment terminal 504.
According to one embodiment herein, the consuming terminal 503 further comprises a payment amount calculation unit 5036 for calculating a payment amount. In some embodiments herein, such as an express delivery receipt application scenario, the payment amount calculation unit 5036 calculates a fixed payment amount from the waybill information and the weight of the express delivery, and presets the calculated fixed payment amount in the consumption terminal 503. In some other embodiments herein, such as the fueling application scenario, the payment amount calculation unit 5036 calculates the payment amount based on the number and unit price of the delivered goods or the number and unit price of the services.
According to one embodiment herein, the payment terminal 504 further comprises a payment transaction data acquisition unit 5041 for acquiring payment transaction data of the payment terminal 504 itself. In embodiments herein, the payment transaction data comprises a payment terminal number, a payment transaction serial number, a payment random number, a balance, the payment transaction serial number representing a total number of times the payment terminal has completed a transaction.
According to one embodiment herein, the payment terminal 504 further comprises a consumption terminal transaction data receiving unit 5042 for receiving consumption terminal transaction data sent by the consumption terminal 503 through the communication unit 5046.
According to one embodiment herein, the payment terminal 504 further comprises a transaction signature processing unit 5043 for calculating a payment transaction signature from the payment transaction data, the consumption terminal transaction data, a key of the payment terminal, etc., and verifying the terminal transaction signature sent by the consumption terminal. Specifically, the transaction signature processing unit 5043 may be a secure chip in the payment terminal, and in some embodiments herein, such as the express delivery recipient application scenario described in the embodiments herein, the transaction signature processing unit 5043 generates a payment transaction signature according to the payment transaction data, the key of the payment terminal, and the symmetric encryption algorithm, and verifies the terminal transaction signature according to the consumption terminal transaction data, the key of the payment terminal, and the symmetric encryption algorithm. In some other embodiments herein, such as the fueling application scenario, the first terminal transaction signature is verified based on the payment transaction data, the consumption terminal transaction data, the transaction type, the payment terminal key, and the symmetric encryption algorithm, the payment transaction signature is calculated based on the payment transaction data, the payment terminal key, and the symmetric encryption algorithm, and the second terminal transaction signature is verified based on the payment amount, the transaction type, the payment transaction data, the consumption terminal transaction data, the payment terminal key, and the symmetric encryption algorithm.
According to an embodiment herein, such as the fueling application scenario described in the embodiment herein, the payment terminal 504 further includes a mortice lock processing unit 5044, configured to lock or unlock the balance of the payment terminal according to the transaction type of the consumption terminal 503, specifically, when the transaction signature processing unit 5043 verifies that the transaction signature of the first terminal passes, the balance is locked according to the mortice lock transaction type, and the payment terminal cannot change the balance; and when the transaction signature processing unit 5043 verifies that the second terminal transaction signature passes, unlocking the balance according to the unlocking transaction type.
According to one embodiment herein, the payment terminal 504 further includes a deduction unit 5045, which deducts the balance according to the payment amount and notifies the consuming terminal of completion of payment through the communication unit 5046.
According to an embodiment herein, the payment terminal 504 further includes a communication unit 5046 configured to perform close range communication with the consumption terminal 503, receive the consumption terminal transaction data and the terminal transaction signature transmitted by the consumption terminal 503, and transmit the payment transaction data, the payment transaction signature and the payment result to the consumption terminal 503. In some embodiments, the communication unit 5046 may be a coil of short-range wireless communication. In addition, the communication unit 5046 is further configured to notify the served terminal 502 of the payment result, in some embodiments herein, for example, in the fueling application scenario described in this embodiment, when the payment terminal 504 verifies that the payment cannot be made according to the payment amount and the balance, the served terminal 502 is notified that the payment cannot be made, so that the consumer timely charges the payment terminal according to the payment status display unit 5022 of the served terminal 502, and the payment for the goods or services to be delivered is completed.
Fig. 6 is a schematic structural diagram of a computer device according to an embodiment of the present disclosure, where a payment terminal or a payment terminal in the present disclosure may be a computer device according to an embodiment of the present disclosure, and perform the method described above. The computer device 601 may include one or more processors 602, such as one or more Central Processing Units (CPUs), each of which may implement one or more hardware threads. The computer device 601 may also include any memory 603 for storing any kind of information, such as code, settings, data etc. For example, without limitation, memory 603 may include any one or more of the following in combination: any type of RAM, any type of ROM, flash memory devices, hard disks, optical disks, etc. More generally, any memory may use any technology to store information. Further, any memory may provide volatile or non-volatile retention of information. Further, any memory may represent fixed or removable components of the computer device 601. In one case, when the processor 602 executes the associated instructions, which are stored in any memory or combination of memories, the computer device 601 may perform any of the operations of the associated instructions. The computer device 601 also includes one or more drive mechanisms 604, such as a hard disk drive mechanism, an optical disk drive mechanism, etc., for interacting with any memory.
The computer device 601 may also include an input/output module 605(I/O) for receiving various inputs (via input device 606) and for providing various outputs (via output device 607). One particular output mechanism may include a presentation device 608 and an associated Graphical User Interface (GUI) 609. In other embodiments, the input/output module 605(I/O), input device 606, and output device 607 may also be excluded, as just one computer device in a network. The computer device 601 may also include one or more network interfaces 610 for exchanging data with other devices via one or more communication links 611. One or more communication buses 612 couple the above-described components together.
Corresponding to the methods in fig. 2-4, the embodiments herein also provide a computer-readable storage medium having stored thereon a computer program, which, when executed by a processor, performs the steps of the above-described method.
Embodiments herein also provide computer readable instructions, wherein a program therein causes a processor to perform the method as shown in fig. 2-4 when the instructions are executed by the processor.
It should be understood that, in various embodiments herein, the sequence numbers of the above-mentioned processes do not mean the execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments herein.
It should also be understood that, in the embodiments herein, the term "and/or" is only one kind of association relation describing an associated object, meaning that three kinds of relations may exist. For example, a and/or B, may represent: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship.
Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, computer software, or combinations of both, and that the components and steps of the examples have been described in a functional general in the foregoing description for the purpose of illustrating clearly the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present disclosure.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided herein, it should be understood that the disclosed system, apparatus, and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may also be an electric, mechanical or other form of connection.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purposes of the embodiments herein.
In addition, functional units in the embodiments herein may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the present invention may be implemented in a form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the methods described in the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The principles and embodiments of this document are explained herein using specific examples, which are presented only to aid in understanding the methods and their core concepts; meanwhile, for the general technical personnel in the field, according to the idea of this document, there may be changes in the concrete implementation and the application scope, in summary, this description should not be understood as the limitation of this document.
Claims (9)
1. An off-line non-inductive payment method is characterized in that,
the method comprises the steps that an induction reading head of a consumption terminal is arranged on a service providing end, an induction loop of a payment terminal is arranged on a served end, the induction reading head corresponds to the service providing end, the induction loop corresponds to the served end, and the induction communication distance between the induction reading head and the induction loop is smaller than a communication set distance through the structures of the service providing end and the served end;
the induction ring and the induction reading head are provided with safety chips, so that the problem of off-line transaction safety is solved;
the method comprises the following steps of,
when goods are delivered or services are provided between the service providing end and the served end, the distance between the service providing end and the served end is reduced, the induction reading head arranged on the service providing end is bound with the service providing end, the induction ring arranged on the served end is bound with the served end, and through the short-distance induction communication between the induction reading head and the induction ring, the binding between the service providing end and the served end in a transaction process is solved, and the associated fee deduction is realized;
the three points realize that the transaction fee deduction is automatically finished off line and without feeling when the commodity is delivered or the service is provided, and manual intervention is not needed.
2. The off-line non-sensitive payment method of claim 1,
when goods or services are delivered or provided between the service providing end and the served end, the distance between the service providing end and the served end is reduced, the induction reading head arranged on the service providing end is bound with the service providing end, the induction loop arranged on the served end is bound with the served end, the binding between the service providing end and the served receiving end in the transaction process is solved through the short-distance induction communication between the induction reading head and the induction loop, and the associated fee deduction is realized,
the payment terminal and the consumption terminal complete payment of the commodity or the service according to a fixed payment amount preset on the consumption terminal; or the like, or, alternatively,
and the consumption terminal determines payment amount according to the number and unit price of the delivered commodities or the times and unit prices of the services, and finishes payment of the commodities or the services.
3. The offline non-sensory payment method of claim 2, wherein said payment terminal and consumer terminal completing payment for said goods or services according to a fixed payment amount preset on said consumer terminal further comprises,
synchronizing transaction data between the consuming terminal and the payment terminal, the transaction data including the fixed payment amount;
the payment terminal generates a payment transaction signature according to the transaction data and sends the payment transaction signature to the consumption terminal;
the consumption terminal generates a terminal transaction signature after verifying that the payment transaction signature passes, and sends the terminal transaction signature to the payment terminal;
and after the payment terminal verifies that the terminal transaction signature passes, deducting the balance of the payment terminal according to the payment amount and informing the consumption terminal of completing payment.
4. The offline non-sensory payment method of claim 3, further comprising, after synchronizing transaction data between the consuming terminal and the payment terminal,
the payment terminal verifies whether the payment can be carried out or not according to the transaction data;
and if the payment cannot be carried out, the service providing end terminates the delivery of the goods or services.
5. The offline non-inductive payment method according to claim 2, wherein said consumption terminal determines a payment amount according to a pricing rule of said goods or said services delivered, before completing payment for said goods or services, further comprising,
synchronizing transaction data between the consuming terminal and the payment terminal, the transaction data including a balance of the payment terminal;
the consumption terminal generates a first terminal transaction signature according to the transaction data and sends the first terminal transaction signature to the payment terminal;
the payment terminal locks the balance after verifying that the first terminal transaction signature passes, generates a payment transaction signature according to the transaction data, and sends the payment transaction signature to the consumption terminal;
the consumption terminal determines a payment amount according to the number and unit price of the delivered goods or the number and unit price of the services, and completing the payment of the goods or the services further comprises,
after the consumption terminal verifies that the payment transaction signature passes, generating a second terminal transaction signature according to the payment amount, and sending the second terminal transaction signature and the payment amount to the payment terminal;
and after the payment terminal verifies that the second terminal transaction signature passes, unlocking the balance, deducting the fee according to the payment amount and informing the consumption terminal of completing the payment.
6. The offline non-inductive payment method according to claim 3 or 5, wherein said close range communication means is NFC communication.
7. An off-line non-inductive payment system comprises a service providing end, a served end, a consumption terminal arranged on the service providing end and a payment terminal arranged on the served end;
the method of any one of claims 1-6 is performed when the service provider, the served and the consumer and payment terminals make an imperceptible payment.
8. A computer device comprising a memory, a processor, and a computer program stored on the memory, wherein the computer program, when executed by the processor, performs the instructions of the method of any one of claims 1-6.
9. A computer storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor of a computer device, executes instructions of a method according to any one of claims 1-6.
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| CN202111432616.2A CN114169880A (en) | 2021-11-29 | 2021-11-29 | Off-line non-inductive payment method, system, equipment and storage medium |
| PCT/CN2022/134586 WO2023093875A1 (en) | 2021-11-29 | 2022-11-28 | Offline contactless payment method and system, device and storage medium |
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| CN202111432616.2A CN114169880A (en) | 2021-11-29 | 2021-11-29 | Off-line non-inductive payment method, system, equipment and storage medium |
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| WO2023093875A1 (en) * | 2021-11-29 | 2023-06-01 | 沈阳泉安科技有限公司 | Offline contactless payment method and system, device and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109447607B (en) * | 2018-10-30 | 2021-09-21 | ***股份有限公司 | Transaction method and device for unit account |
| CN110451450A (en) * | 2019-07-29 | 2019-11-15 | 南京硅基智能科技有限公司 | A kind of fuel loading system of noninductive payment |
| CN112418870A (en) * | 2020-11-27 | 2021-02-26 | 清研讯科（北京）科技有限公司 | Non-inductive payment method and device, electronic equipment and readable storage medium |
| CN114169880A (en) * | 2021-11-29 | 2022-03-11 | 沈阳泉安科技有限公司 | Off-line non-inductive payment method, system, equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2023093875A1 (en) * | 2021-11-29 | 2023-06-01 | 沈阳泉安科技有限公司 | Offline contactless payment method and system, device and storage medium |
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