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A payment method and device

A payment device and payment card technology, applied in the financial field, can solve the problems of easy interception and tampering, poor security in the payment process, etc., and achieve the effect of preventing interception and tampering and improving security.

Active Publication Date: 2019-09-17
随行付支付有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, in the current two-dimensional code payment process, the transaction information is transmitted in plain text, which is easily intercepted and tampered with, resulting in poor security of the payment process

Method used

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  • A payment method and device
  • A payment method and device
  • A payment method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0074] In this embodiment, a payment method is provided, which is applied to the website server, please refer to figure 1 , which shows a flow chart of the payment method provided by this application, which may include the following steps:

[0075] Step S11: Receive the encrypted payment card number and encrypted basic key obtained from the payment card by the code scanning device.

[0076] The encrypted payment card number is generated by encrypting the payment card number by the transaction server, and the encrypted basic key is generated by encrypting the basic key by the transaction server.

[0077] Wherein, multiple different payment card information mapping relationships are stored in the database of the transaction server, and each payment card information mapping relationship is a mapping relationship between a payment card number and a basic key.

[0078] In this embodiment, the encrypted payment card number and the encrypted basic key are pre-written into the paymen...

Embodiment 2

[0118] In this example, in figure 1 Based on the payment method shown, another payment method is extended, please refer to figure 2 , can include the following steps:

[0119] Step S21: Receive the encrypted payment card number and encrypted basic key obtained from the payment card by the code scanning device.

[0120] The encrypted payment card number is generated by encrypting the payment card number by the transaction server, and the encrypted basic key is generated by encrypting the basic key by the transaction server.

[0121] Step S22: judging whether the encrypted payment card number and the encrypted basic key are legal.

[0122] If not, execute step S23, and if yes, execute step S24.

[0123] Step S23: sending out an error warning signal.

[0124] Step S24: Pushing an authentication page to the code scanning device, and acquiring parameters of the code scanning device input to the authentication page by the code scanning device.

[0125] Step S25: Judging whethe...

Embodiment 3

[0140] In this example, in figure 2 Based on the payment method shown, another payment method is extended, please refer to image 3 , can include the following steps:

[0141] Step S31: Receive the encrypted payment card number and encrypted basic key obtained from the payment card by the code scanning device.

[0142] The encrypted payment card number is generated by encrypting the payment card number by the transaction server, and the encrypted basic key is generated by encrypting the basic key by the transaction server.

[0143] Step S32: judging whether the encrypted payment card number and the encrypted basic key are legal.

[0144] If not, execute step S33, and if yes, execute step S34.

[0145] Step S33: sending out an error warning signal.

[0146] Step S34: Pushing an authentication page to the code scanning device, and acquiring parameters of the code scanning device input to the authentication page by the code scanning device.

[0147] Step S35: Judging whethe...

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Abstract

The invention provides a payment method and a payment device. The payment method comprises steps: an encrypted payment card number and an encrypted basic key acquired from the payment card by a code scanning device are received; whether the encrypted payment card number and the encrypted basic key are legal is judged; if not, an error early warning signal is given; if yes, an authentication page is pushed to the code scanning device, and code scanning device parameters inputted to the authentication page by the code scanning device are acquired; whether the code scanning device parameters are legal is judged; if not, an error early warning signal is given; if yes, a transaction order request carrying the encrypted payment card number is sent to a transaction server; a transaction order page carrying an encryption algorithm sent by the transaction server is received and forwarded to the code scanning device; encrypted transaction information inputted to the transaction order page carrying the encryption algorithm by the code scanning device is received and forwarded to the transaction server; and a transaction voucher sent by the transaction server is received and forwarded to the code scanning device. Thus, through the above mode, the payment process security is improved.

Description

technical field [0001] This application relates to the financial field, in particular to a payment method and device. Background technique [0002] QR code payment, as a new generation of wireless payment solution based on the account system, has been promoted and used. Under this payment scheme, merchants can compile transaction information such as account numbers and product prices into a QR code, and print it on payment cards (such as VV cards), various newspapers, magazines, advertisements, books and other carriers for publication. Users can scan the QR code through the mobile client to realize the payment and settlement with the merchant's Alipay account. [0003] However, in the current two-dimensional code payment process, the transaction information is transmitted in plain text, which is easily intercepted and tampered with, resulting in poor security of the payment process. Contents of the invention [0004] In order to solve the above technical problems, the em...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/38
Inventor 宋威
Owner 随行付支付有限公司
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