A kind of off-line pos machine transaction method and system based on two-dimensional code

Abstract

The invention provides a two-dimensional code-based off-line POS machine transaction method, initialization process: key information, transaction data and user information are generated at each end and communicate with each other, and the mobile terminal uses the user information U, public key Pca and The public key factor Pu performs hash calculation to generate a digest e', and then calculates to generate a real private key du=r+e'*k; transaction process: the mobile terminal signs the transaction data T through the real private key du to generate a signature value S, and then Generate a transaction QR code; the POS machine scans the transaction QR code to obtain information, and generates a summary value e” according to user information U, public key Pca and public key factor Pu, and calculates and generates a real public key Qu=[e”] Pu+Pca; the POS machine uses the real public key Qu to verify the signature value S and process the transaction data T. This method reduces the amount of information in the transaction process, and at the same time can ensure the security of the transaction.

Description

technical field [0001] The present invention relates to the technical field of two-dimensional code transaction, in particular, relates to an off-line POS machine transaction method based on two-dimensional code, and an off-line POS machine transaction system based on two-dimensional code. Background technique [0002] Existing mobile payment methods mainly include two methods; online two-dimensional code consumption transaction and offline two-dimensional code consumption transaction. [0003] At present, most QR code consumption transactions adopt online transactions, that is, both user terminals and POS machines need to be connected to the management platform during the transaction process, and the transaction needs to be deducted before the transaction is completed. The transaction process is relatively long, and it is not suitable for fast consumption scenarios such as buses and subways. . [0004] Offline QR code consumption transaction refers to the process of swipin...

AI Technical Summary

Problems solved by technology

[0005] However, in the offline state, when the user terminal and the offline POS machine conduct a two-dimensional code transaction, the two-dimensional code information usually needs to include four parts of information: the user's public key, identity information, management platform signature, and the user's signature on the transaction data. The total data length of the two-dimensional code will be longer. For the POS machine with limited scanning information, due to its limited scanning ability and computing power, it does not support scanning and calculation of the two-dimensional code with a large amount of information, resulting in offline transactions. Obstacles; in addition, there are certain security risks in the offline transaction of the QR code, which may easily lead to the theft and tampering of user information and transaction data, etc., and the problem of unverification

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