阅读说明：本技术 一种支付方法 (A kind of method of payment ) 是由 卢振江 卢兆焓 于 2019-07-30 设计创作，主要内容包括：本发明提供一种支付方法,该方法包括以下步骤：支付平台接收支付方终端设备的支付请求和收款方账户信息,支付请求包括支付方账户信息、支付金额、与支付金额的确认相关的随机时间以及支付方终端设备根据支付金额以及与支付金额的确认相关的随机时间生成的随机密码SA；支付平台根据与支付金额的确认相关的随机时间验证支付请求的时效性,并在支付请求的时效性验证通过后根据支付请求内的支付金额以及与支付金额的确认相关的随机时间用与支付方同样的方法生成随机密码SB,比对随机密码SB与随机密码SA,若随机密码SB不等于随机密码SA,则支付方终端设备身份验证失败,拒绝支付请求；否则,支付方身份验证成功,响应支付请求。(The present invention provides a kind of method of payment, method includes the following steps: payment platform receives the payment request and beneficiary account information of payer terminal device, payment request includes the random cipher SA that payer account information, payment amount, random time relevant to the confirmation of payment amount and payer terminal device are generated according to payment amount and with the relevant random time of confirmation of payment amount；The timeliness that payment platform is requested according to random time validation of payment relevant to the confirmation of payment amount, and according to the payment amount and random time relevant to the confirmation of payment amount method same as payer generation random cipher SB in payment request after the timeliness of payment request is verified, compare random cipher SB and random cipher SA, if random cipher SB is not equal to random cipher SA, then the authentication of payer terminal device fails, refusal to pay request；Otherwise, payer authentication success responds payment request.)

1. a kind of method of payment, which is characterized in that specifically includes the following steps:

Payment platform receives the payment request and beneficiary account information of payer terminal device, and payment request includes payer account Family information, payment amount, random time relevant to the confirmation of payment amount and payer terminal device are according to payment amount And the random cipher SA that random time relevant to the confirmation of payment amount generates；

The timeliness that payment platform is requested according to random time validation of payment relevant to the confirmation of payment amount, and asked in payment The timeliness asked be verified after according in payment request payment amount and it is relevant to the confirmation of payment amount random when Between generate random cipher SB, compare random cipher SB and random cipher SA, if random cipher SB is not equal to random cipher SA, prop up Pay square terminal device authentication failure, refusal to pay request；Otherwise, payer authentication success responds payment request, will The amount of money of payment is required to be transferred from payer account to beneficiary account in payment request.

2. method of payment according to claim 1, which is characterized in that the payment of payment platform reception payer terminal device The step of request, is as follows:

Payer terminal device sends pre-paid request to payment platform, and pre-paid request includes payment amount and payment amount Input relevant time and payer terminal device according to payment amount and time relevant to the input of payment amount The random cipher SA1 of generation；

After payment platform receives pre-paid request, the timeliness of verifying pre-paid request is refused if timeliness verifying does not pass through Otherwise pre-paid request generates random cipher SB1 according to the payment amount time relevant to the input of payment amount；It compares random Password SA1 and random cipher SB1, if random cipher SA1 ≠ random cipher SB1, refusal pre-paid request；If SA1=SB1, into one Whether step confirmation payment amount is more than default payment amount, issues the prompting beyond amount to payer terminal if being more than and believes Breath, and refuse pre-paid request, otherwise random time relevant to the confirmation of payment amount is returned to payer terminal device；

After payer terminal device receives the relevant random time of the confirmation to payment amount that payment platform returns, according to payment The amount of money and random time relevant to the confirmation of payment amount generate random cipher SA, according to payment amount and payment amount The relevant random time of confirmation, random cipher SA and payer account generate payment request and shown in the form of two dimensional code Show；

Beneficiary terminal device sweeps the two dimensional code clapped on payer terminal device, parses the payment request for including in two dimensional code and company Payment platform is transmitted to beneficiary account information.

3. method of payment according to claim 1, which is characterized in that the payment of payment platform reception payer terminal device The step of request, is as follows:

Payer terminal device sweeps the gathering two dimensional code acquisition beneficiary account for clapping beneficiary terminal device after logging in payment platform Information simultaneously shows beneficiary information；Payer input payment amount is simultaneously shown payment amount in the form of specific pictures for payer Confirmation；

Payer terminal device generates random cipher according to payment amount and random time relevant to the confirmation of payment amount SA is raw according to payment amount, random time relevant to the confirmation of payment amount, random cipher SA and payer account information At payment request；

Beneficiary account information after payer terminal device will confirm that is sent to payment platform together with payment request.

4. method of payment according to claim 1, which is characterized in that the payment of payment platform reception payer terminal device The step of request, is as follows:

Payer terminal device is shown under offline electronic payment state, by the payment amount of input in the form of specific pictures for payment Side's confirmation；

Payer terminal device generates random cipher according to payment amount and random time relevant to the confirmation of payment amount SA generates payment amount, random time relevant to the confirmation of payment amount, random cipher SA and payer account information Payment request is simultaneously shown in the form of two dimensional code；

Beneficiary terminal device sweeps the two dimensional code clapped on payer terminal device, parses the payment request for including in two dimensional code and company Payment platform is transmitted to beneficiary account information.

5. method of payment according to claim 4, it is characterised in that: payment platform issues offline to payer terminal device in advance Total payment degree, it is display offline electronic payment full amount, accumulative used after payer terminal device receives offline electronic payment instruction Offline electronic payment amount and remaining offline electronic payment amount, and judge whether the payment amount of input is less than or equal to remaining offline electronic payment Amount not can be carried out offline electronic payment then if more than remaining offline electronic payment amount；If being less than or equal to remaining offline electronic payment amount, Payer terminal device shows payment amount in the form of specific pictures to be confirmed for payer.

6. according to the described in any item methods of payment of claim 3-5, it is characterised in that: the specific pictures are one or more The monetary picture of value of money combines.

7. method of payment according to claim 1-4, it is characterised in that: payer terminal device needs first propping up It pays platform to be registered, registration information includes that random cipher generating algorithm and the binary digit obtained at random take string.

8. the method for payment according to claim 7, it is characterised in that: binary digit takes the obtaining step of string are as follows:

Payer terminal device obtains one section of image file or audio file or video file at random；

Image file or audio file or video file are converted into sequence of binary digits；

Sequence of binary digits is traversed, judges whether there be n or more continuously arranged same numbers " 1 " in sequence of binary digits And/or m or more continuously arranged same numbers " 0 ", wherein if so, then by n or more continuously arranged same numbers " 1 " It is replaced with a number " 1 " and/or replaces m or more continuously arranged same numbers " 0 " with a digital " 0 ", replacement knot Fruit is that do not have n or more continuously arranged same numbers " 1 " and m or more continuously arranged same numbers in file after converting " 0 " occurs to get to the sequence of binary digits after more repeated arrangements is gone, wherein n >=4, m >=4；

The M digit composition binary digit sequentially intercepted in sequence of binary digits takes string.

9. method of payment according to claim 7, it is characterised in that: random cipher generating algorithm are as follows:

It will indicate to obtain digital L after member, angle, the number divided are added in payment amount, will apply for the year of related time with payment Number number latter two, months number, number of days number, when number number, the number of minutes number and/or number of seconds number carry out addition processing After obtain digital T, add digital L and digital T-phase to obtain random digit N；

It is the integer greater than zero that interception binary digit, which takes the j*N bit digital in string as binary number Q, j,；

It is added the binary number Q random cipher generated with previous time to obtain this random cipher used, use for the first time The initial value of random cipher is 1.

10. method of payment according to claim 9, it is characterised in that: when the 1st time interception binary digit takes string, from First beginning that binary digit takes string intercepts j*N backward₁Bit digital is as binary number Q；2nd interception binary number When word takes string, the jth * N of string is taken from binary digit₁+ x beginnings intercept j*N backward₂Bit digital is as binary number Q； When i-th intercepts, the remaining digit Y that binary digit takes string is calculated,, and judge surplus Whether remaining digit Y is more than or equal to x+j*N_iIf Y is more than or equal to x+j*N_i, then since the xth position of remaining Y bit binary number J*N is intercepted backward_iBit digital is as binary number Q；

If Y is less than x+j*N_i, continue to judge whether remaining digit Y is greater than x, if more than x, then from the of remaining Y bit X beginnings are truncated to last position backward, obtain U bit, and take first of string from binary digit and cut backward Take j*N_i- U, by the j*N of interception_iFirst of-U bit binary number is connected to last back of U bit, Generate j*N_iThe binary number Q of position, and when i+1 time interception, the jth * N of string is taken from binary digit_i- U+x precedence start to After intercept；

Otherwise xth-Y+1 for taking string from binary digit intercept j*N backward_iBit binary number is as binary number Q；I-th When+1 interception, the xth-Y+j*N of string is taken from binary digit_i+ x beginnings intercept j*N backward_i+1, wherein N_i+1For i-th+ The random digit N obtained before 1 interception；

Wherein, i is the integer greater than 2, and x is preset integer, N₁The random digit N, N obtained before being intercepted for first time₂For The random digit N, N obtained before intercepting for the first time_i-1For the random digit N, N obtained before (i-1)-th interception_iBefore i-th interception The random digit N of acquisition.

11. method of payment according to claim 1-4, it is characterised in that: the payment information further includes payment The transaction categories or service type or merchandise news that the payment address information of side and the payer terminal device generate, every time After the completion of payment, payer generates an integrated information and is simultaneously stored into a file, for the post-processings such as inquiring, summarizing；Institute Stating integrated information includes payer account information, payment transaction deadline, payment amount, payment transaction generation address, gathering Square account information and transaction categories or service type or merchandise news.

Technical field

The present invention relates to mobile payment fields, specifically, relate to a kind of method of payment.

Background technique

With the popularity of the internet, the payment that mobile payment becomes more and more people selects, and existing mobile payment has Two kinds of methods of payment, one is the method for payment encrypted based on static password, this method is that beneficiary provides a beneficiary The two dimensional code of account information, payer, which is swept, claps the completion payment of this two dimensional code；Another kind is the payment based on dynamic password encryption Method is exactly that payer generates a dynamic two dimensional code in mobile phone, and beneficiary, which is swept, claps the completion payment of this two dimensional code；According to Pertinent regulations, the mobile payment confidentiality based on static password encryption is not strong, and payment must not exceed the lesser amount of money upper limit every time, The payment that larger number is completed by mobile payment must be using dynamic password cipher mode, this mainly gives using mobile branch It pays person and preferable safety is provided, but this also results in inconvenient situation.

In addition must all being networked simultaneously with payment platform using the beneficiary of both means of payment and payer, it is real to carry out Shi Tongxin could complete to pay, for the area of remote position or wireless signal covering weaker signal, it is difficult to ensure payment Side is always maintained at real-time communication conditions with payment platform, to influence mobile payment function, and then influences user and uses.

In order to solve the above problems, people are seeking always a kind of ideal technical solution.

Summary of the invention

The purpose of the present invention is in view of the deficiencies of the prior art, to provide a kind of method of payment, reinforce mobile payment Safety and convenience, mobile payment, safety can also be realized in the case where beneficiary has network signal paying party not have network signal Property it is high and can be realized and exempt from close payment.

To achieve the goals above, the technical scheme adopted by the invention is that: a kind of method of payment, this method include payment Square terminal device and payment platform, specifically includes the following steps:

Payment platform receives the payment request and beneficiary account information of payer terminal device, and payment request includes payer account Family information, payment amount, random time relevant to the confirmation of payment amount and payer terminal device are according to payment amount And the random cipher SA that random time relevant to the confirmation of payment amount generates；

The timeliness that payment platform is requested according to random time validation of payment relevant to the confirmation of payment amount, and asked in payment The timeliness asked be verified after according in payment request payment amount and it is relevant to the confirmation of payment amount random when Between generate random cipher SB, compare random cipher SB and random cipher SA, if random cipher SB is not equal to random cipher SA, prop up Pay square terminal device authentication failure, refusal to pay request；Otherwise, payer authentication success responds payment request, will The amount of money of payment is required to be transferred from payer account to beneficiary account in payment request.

It is as follows based on the step of above-mentioned, payment platform receives the payment request of payer terminal device:

Payer terminal device sends pre-paid request to payment platform, and pre-paid request includes: payment amount and payment amount Input relevant time and payer terminal device according to payment amount and time relevant to the input of payment amount The random cipher SA1 of generation；

After payment platform receives pre-paid request, the timeliness of verifying pre-paid request is refused if timeliness verifying does not pass through Otherwise pre-paid request generates random cipher SB1 according to the payment amount time relevant to the input of payment amount；It compares random Password SA1 and random cipher SB1, if random cipher SA1 ≠ random cipher SB1, refusal pre-paid request；If SA1=SB1, into one Whether step confirmation payment amount is more than default payment amount, if being more than to issue the prompting message for exceeding amount to payer terminal, And refuse pre-paid request, otherwise random time relevant to the confirmation of payment amount is returned to payer terminal device；

After payer terminal device receives the relevant random time of the confirmation to payment amount that payment platform returns, according to payment The amount of money and random time relevant to the confirmation of payment amount generate random cipher SA, and according to payment amount and payment gold The relevant random time of confirmation, random cipher SA and the payer account information of volume generate payment request and the shape with two dimensional code Formula is shown；

Beneficiary terminal device sweep clap payer terminal device on two dimensional code, parse two dimensional code in include payment request and together with Beneficiary account information is transmitted to payment platform.

It is as follows based on the step of above-mentioned, payment platform receives the payment request of payer terminal device:

Payer terminal device sweeps the gathering two dimensional code acquisition beneficiary account information for clapping beneficiary terminal device, and shows gathering Square information；

Payer terminal device input payment amount is simultaneously shown payment amount for payer confirmation in the form of specific pictures；

Payer terminal device generates random cipher according to payment amount and random time relevant to the confirmation of payment amount SA is raw according to payment amount, random time relevant to the confirmation of payment amount, random cipher SA and payer account information Show payment amount, beneficiary account information so that payer is reaffirmed at payment request, and by specific pictures；

Payer terminal device will be confirmed after beneficiary account information be sent to payment platform together with payment request.

It is as follows based on the step of above-mentioned, payment platform receives the payment request of payer terminal device:

Payer terminal device is shown under offline electronic payment state, by the payment amount of input in the form of specific pictures for payment Side's confirmation；

Payer terminal device generates random cipher according to payment amount and random time relevant to the confirmation of payment amount SA generates payment amount, random time relevant to the confirmation of payment amount, random cipher SA and payer account information Payment request is simultaneously shown in the form of two dimensional code；

Beneficiary terminal device sweeps the two dimensional code clapped on payer terminal device, parses the payment request for including in two dimensional code and company Payment platform is transmitted to beneficiary account information.

Based on above-mentioned, payment platform issues offline electronic payment full amount to payer terminal device in advance, and payer terminal is set It is standby receive offline electronic payment instruction after, display offline electronic payment full amount, accumulative used offline electronic payment amount and it is remaining from Line pays amount, and judges whether the payment amount of input is less than or equal to remaining offline electronic payment amount, if more than remaining offline branch Amount is paid, then not can be carried out offline electronic payment；If being less than or equal to remaining offline electronic payment amount, payer terminal device will pay gold Volume is shown in the form of specific pictures to be confirmed for payer.

Based on above-mentioned, the specific pictures are that the monetary picture of one or more values of money combines.

Based on above-mentioned, payer terminal device needs first to be registered in payment platform, and registration information includes random cipher Generating algorithm and the binary digit obtained at random take string.

Based on above-mentioned, binary digit takes the obtaining step of string are as follows:

Payer terminal device obtains one section of image file or audio file or video file at random；

Image file or audio file or video file are converted into sequence of binary digits；

Sequence of binary digits is traversed, judges whether there be n or more continuously arranged same numbers " 1 " in sequence of binary digits And/or m or more continuously arranged same numbers " 0 ", wherein if so, then by n or more continuously arranged same numbers " 1 " It is replaced with a number " 1 " and/or replaces m or more continuously arranged same numbers " 0 " with a digital " 0 ", replacement knot Fruit is that do not have n or more continuously arranged same numbers " 1 " and m or more continuously arranged same numbers in file after converting " 0 " occurs to get to the sequence of binary digits after more repeated arrangements is gone, wherein n >=4, m >=4；

The M digit composition binary digit sequentially intercepted in sequence of binary digits takes string.

Based on above-mentioned, random cipher generating algorithm are as follows:

It will indicate to obtain digital L after member, angle, the number divided are added in payment amount, will apply for the year of related time with payment Number number latter two, months number, number of days number, when number number, the number of minutes number and/or number of seconds number carry out addition processing Digital T is obtained, adds digital L and digital T-phase to obtain random digit N；

It is the integer greater than zero that interception binary digit, which takes the j*N bit digital in string as binary number Q, j,；

Binary number Q is added to obtain this random cipher used with the random cipher of preceding first use, is used for the first time The initial value of random cipher is 1.

Based on above-mentioned, when the 1st time interception binary digit takes string, since first that binary digit takes string to After intercept j*N₁Bit digital is as binary number Q；When 2nd time interception binary digit takes string, string is taken from binary digit Jth * N₁+ x beginnings intercept j*N backward₂Bit digital is as binary number Q；

When i-th intercepts, the remaining digit Y that binary digit takes string is calculated,, and sentence Whether disconnected residue digit Y is more than or equal to x+j*N_iIf Y is more than or equal to x+j*N_i, then from the xth position of remaining Y bit binary number Start to intercept j*N backward_iBit digital is as binary number Q；

If Y is less than x+j*N_i, continue to judge whether remaining digit Y is greater than x, if more than x, then from remaining Y bit Xth position starts to be truncated to last position backward, obtains U bit, and takes first of string backward from binary digit Intercept j*N_i- U, by the j*N of interception_iAfter first of-U bit binary number is connected to last position of U bit Face generates j*N_iThe binary number Q of position, and when i+1 time interception, the jth * N of string is taken from binary digit_i- U+x precedence is opened Beginning intercepts backward；

Otherwise xth-Y+1 for taking string from binary digit intercept j*N backward_iBit binary number is as binary number Q；The When i+1 interception, the xth-Y+j*N of string is taken from binary digit_i+ x beginnings intercept j*N backward_i+1, wherein N_i+1It is i-th The random digit N obtained before+1 interception；

Wherein, i is the integer greater than 2, and x is preset integer, N₁The random digit N, N obtained before being intercepted for first time₂ The random digit N, N obtained before being intercepted for first time_i-1For the random digit N, N obtained before (i-1)-th interception_iFor i-th interception The random digit N of preceding acquisition.

The present invention has substantive distinguishing features outstanding and significant progress compared with the prior art, specifically,

(1) in such a way that payment platform is to payer terminal device authentication, so that either on-line payment or offline Payment, either beneficiary provide the two dimensional code of a beneficiary account information, and payer, which is swept, claps the completion payment of this two dimensional code, Or payer generates a dynamic two dimensional code in payer terminal device, and beneficiary, which is swept, claps this two dimensional code completion branch Pay --- static password is inputted without payer, is also simplified while to preferable safety is provided using mobile payment person The operating procedure of user.

(2) in such a way that payment platform issues offline electronic payment amount to payer, if payment amount be not above it is surplus Remaining offline electronic payment amount, payer can respond payment request, and payer is facilitated to complete to move in the case where no mobile network Dynamic payment.

(3) binary digit used during generating random cipher due to payment platform and payer terminal device takes Obtained at random with string and random digit N, this result in the length of the random cipher generated be also it is random, and upper one Secondary random cipher has also assisted in the generating process of this random cipher, this multiple to have random cipher to be difficult to brokenly Translating property and not reproducible generative nature, so if payment platform is identical with the random cipher that payer terminal device is sent There is legal identity with validation of payment side's terminal device, and substantially increase the correct of payer terminal device authentication Property.

Specific embodiment

Below by specific embodiment, technical scheme of the present invention will be described in further detail.