CN106875180B

CN106875180B - Online payment method with visible light and bar code bidirectional authentication

Info

Publication number: CN106875180B
Application number: CN201710066538.6A
Authority: CN
Inventors: 邓健志
Original assignee: Guilin University of Technology
Current assignee: Guilin University of Technology
Priority date: 2017-02-07
Filing date: 2017-02-07
Publication date: 2020-10-02
Anticipated expiration: 2037-02-07
Also published as: CN106875180A

Abstract

The invention discloses an online payment method with visible light and bar code bidirectional authentication. Establishing a set of online consumption device with visible light and bar code mutual authentication, comprising: an electronic wallet, a recharge consumer machine, and a server; the server issues the authority to the recharging consumer machine and the electronic wallet, and the implementation of the one-time payment method is completed by the recharging consumer machine of the payee, the electronic wallet of the payer and the server together; the electronic wallet sends visible light signals in the payment process and scans bar codes displayed by the recharging consumer machine; the recharging consumption machine receives the visible light signal and generates a display bar code for scanning the electronic wallet; data interaction between the recharging consumption machine and the electronic wallet is fused in visible light and bar codes, information such as verification in the transaction process is mainly completed by a server, a smart phone and a tablet computer which are provided with a flash lamp and a camera can also be used as payment tools, and a novel one-machine-through transaction mode based on the smart phone, the tablet computer and other equipment is realized.

Description

Online payment method with visible light and bar code bidirectional authentication

Technical Field

The invention belongs to the technical field of optical payment, and particularly relates to an online payment method with visible light and bar code bidirectional authentication.

Background

The online payment refers to an online fund settlement service provided by a financial institution when a buyer and a seller perform transactions through an e-commerce website on the internet. The online payment provides a safe, quick and convenient electronic commerce application environment and an online fund settlement tool for enterprises and individuals. With the development of the internet and the mobile internet, online payment gradually enters entity consumption places, so that people can conveniently consume without carrying a wallet. Payment treasures, WeChat, applet pay are typical of this type of payment means.

Visible Light Communication (VLC) technology. The VLC technology is a method for realizing wireless communication by utilizing the characteristics that an LED can emit high-frequency flicker and light flicker which cannot be sensed by human eyes, carrying signals by the high-frequency flicker of the LED at a data sending end and collecting the signals by a photosensitive element with the same quick response time at a receiving end.

The code scanning is a popular information acquisition mode at present, and a one-dimensional code and a two-dimensional code are scanned by using a graphic image acquisition tool such as a camera, so that information in a bar code is identified and acquired. The code scanning payment is an on-line payment method developed on the basis of a code scanning technology and technologies such as WeChat and Paibao. As a new payment means, the code scanning payment is a payment means approved by the central bank after the continuous improvement of recent years.

The invention obtains the inspiration of VLC technology, code scanning payment and other modes, and provides an online payment method by means of intelligent equipment such as a smart phone and a tablet personal computer, wherein the intelligent equipment comprises an LED flash lamp and a camera.

Disclosure of Invention

The invention aims to provide an online payment method with visible light and bar code mutual authentication.

The method comprises the following specific steps:

(1) establishing a set of online consumption device with visible light and bar code mutual authentication, comprising: electronic purse, recharging consumer machine and server.

An electronic wallet, comprising: the system comprises a visible light emitting module, a bar code scanning module, a control module, an input module, a display module and a data interface; the visible light emitting module is used for generating and sending visible light signals according to the information input by the control module; the bar code scanning module is used for scanning and identifying bar codes and outputting an identification result to the control module; a control module to: 1. processing information to be sent to generate a data packet, outputting the data packet to a visible light emitting module, and driving the visible light emitting module to send a visible light signal; 2. receiving the scanning result output of the bar code scanning module, and verifying the scanning result; 3. generating information needing to pass through the visible light emitting module according to the received information and the generated payment information; 4. the data interaction can be carried out with the server through the data interface, and the uploading and downloading operations of information including consumption, recharging, balance inquiry and log inquiry are carried out; the input module is used for inputting information including payment amount, inquiry passwords, payment passwords and operation instructions to the control module; the display module is used for displaying payment amount, a password input interface, an operation instruction and prompt information; and the data interface is used for providing a networking function of the electronic wallet and providing functions of connecting with the server and performing data exchange, data maintenance and upgrading.

A load-add consumer machine comprising: the device comprises a visible light receiving module, a bar code display module, a read-write control module, a keyboard module, a display and a communication module; the visible light receiving module is used for receiving the visible light signals, processing and restoring the visible light signals into corresponding digital signals, and processing and restoring the digital signals into data packets; the bar code display module is used for generating and displaying a bar code according to the input information of the read-write control module; a read-write control module for: 1. receiving the output of the visible light receiving module and authenticating the output; 2. processing information to be sent and outputting the information to a bar code display module; 3. providing a data interface, and uploading and downloading read-write operations including collection, query and operation information with a server through a communication module; the keyboard module is used for inputting transaction amount, transaction password and operation instruction to the read-write control module; the display is used for displaying the transaction amount, the password input interface, the operation instruction and the prompt information; and the communication module is used for connecting the upper computer or the access network in a wired or wireless mode so as to be connected with the server.

A server to: 1. establishing uploading and downloading data connection with the recharging consumption machine through a communication module; 2. establishing data connection for uploading and downloading with the electronic wallet through a data interface; 3. providing background service support of the online payment method; 4. an interface providing the entire online payment device with the flow of funds of the financial system; 5. for the rechargeable consumer machine, electronic wallet issue or cancel the authorization, provide and include: key updating, algorithm updating and upgrading, use authority adjustment, validity period adjustment, electronic wallet recharging, recharging consumer machine payment, and electronic wallet and recharging consumer machine public information inquiry; 6. the preservation comprises the following steps: the list of authorized users, the blacklist, the summary of operation logs, the list of the recharging consumer machines, the use authority of the electronic wallet and the recharging consumer machines, the balance of the electronic wallet and the valid period of the electronic wallet and the recharging consumer machines.

An authorized user list for maintaining a list comprising: identity of the electronic wallet that has been authorized to make online payments, usage rights, expiration dates, identity information of the electronic wallet holder; the blacklist is used for storing the identity identification information of the part of the electronic wallets which are refused to pay for the transaction due to arrearage, loss report and illegal use records in the authorized user list; a payment interface for providing an interface for the flow of funds throughout the online payment device with the financial system; the operation log summarization is used for storing information including the query, recharge and consumption operation time, payment amount and payment process data parameters of all recharging consumer machines and electronic wallets; the bill of the recharging consumer machine is used for saving and comprises: the identity, the use authority, the validity period and the identity information of the holder of the recharging consumer machine are authorized to carry out online payment transaction.

The server is used for issuing authority to the module comprising the recharging consumer machine and the equipment with the functions thereof, so that the server has the function of receiving the electronic wallet in the device for payment; the server is used for issuing the authority to the equipment comprising the module and the function of the electronic wallet, so that the equipment has the function of paying to a recharging consumer machine in the device; meanwhile, the server issues an authorization to the user, wherein the authorization mode is to issue an authorization entity hardware device or to provide an authorization number for the user of the existing device; and recharging the equipment, and writing the electronic wallet identity, the use authority, the validity period, the payment password and the inquiry password of the electronic wallet and the identity information of the electronic wallet holder.

(2) The online consumption device established in the step (1), the payment method is completed by a payee of the recharging consumer machine with CID and a payer of the electronic wallet with QID, and a payment process initiated by the payee is as follows:

ZX1, the payee sends out the collection request, the process flow includes the following steps:

ZX1.1, the payee enters the amount to be received JR1 on the load-up consumer machine.

ZX1.2, the read-write control module generates a collection request SKQQ1 containing the collection amount JR1 and the ID CID1 of the recharging consumer machine according to the collection amount JR1 input by ZX1.1, and outputs the collection request SKQQ1 to the bar code display module.

ZX1.3, uploading the collection request SKQQ1 to the server through the communication module; and downloads a random number SKSJ1 from the server.

ZX1.4, the bar code display module generates and displays a bar code according to the collection request SKQQ1 and the collection random code SKSJ1, and starts to wait for receiving the response of the payer; if no response is received from the payer within a set waiting time, the bar code display module is refreshed to wait for the input of the next payment receiving request.

ZX2, wherein the payer receives the collection request from the payee and makes a payment response according to the collection request, and the process flow comprises the following steps:

ZX2.1, the electronic wallet uses the bar code scanning module to scan and discern the bar code display module of the payee, receive the request SKQQ2 and receive the random code SKSJ2 of the collection.

ZX2.2, the control module obtains the collection amount JR2 and the ID CID2 of the recharging consumer machine according to the collection request SKQQ2, and the electronic wallet checks through connecting with the server:

1) and checking the ID CID2 of the charge consumer machine, and confirming whether the charge consumer machine with the ID CID2 is authorized and not listed in a blacklist.

2) And whether the random collection codes SKSJ1 downloaded by the verification server to the recharging consumer machine are the same as the random collection codes SKSJ2 received by the electronic wallet or not is verified.

If at least one of the two checks fails, displaying the information that the server fails to pass the check on the display module; otherwise, if both checks pass, JR2, CID2 and payment prompt information are displayed on the display module and await confirmation by the payer.

ZX2.3, if the payer agrees to pay, inputting an instruction of agreeing to pay through the input module, and entering ZX 2.4; if the payer inputs an instruction of not agreeing with the payment or whether the payer agrees within a certain set time, the payment process is quitted.

ZX2.4, after the electronic purse gets the instruction of agreeing to pay, the prompt of inputting the password is displayed on the display module.

ZX2.5, the user enters a payment password ZFMM2 from the input module as prompted by the password entry in ZX 2.4.

ZX2.6, the control module obtains the payment password ZFMM2 input by the input module, generates a data packet containing an electronic wallet identity QID2, a payment agreement ZFMTY 2, a payment amount FKJR2, a payment request SKQQ2 and a payment password ZFMM2, outputs the data packet to the visible light emitting module, sends the data packet in a visible light signal form by the visible light emitting module, and starts to wait for the response of a payee; if the response from the payee is not received within a set waiting time, the operation is ended and the payment process is exited.

ZX3, the payee sends out the receipt of payment according to the payment response sent by the payer, the processing flow includes the following steps:

ZX3.1, the visible light receiving module of the recharging consumption machine receives the visible light signal, converts the visible light signal into a data packet and outputs the data packet to the read-write control module.

ZX3.2, the read-write control module extracts an electronic wallet identity QID3, a collection request SKQQ3, a payment amount FKJR3, a payment agreement ZFTY3 and a payment password ZFMM3 from the data packet; the extracted information is uploaded to the server through the communication module, and the server performs the following 5 verifications:

1) verifying whether the wallet identity QID3 is not blacklisted, and if the wallet identity QID3 is blacklisted, verifying that the wallet identity QID is not passed; otherwise, the verification is passed.

2) Whether the received collection request SKQQ3 in the data packet is consistent with SKQQ1 sent by the collection party or not is judged, if so, the verification is passed; otherwise, the verification is not passed.

3) Whether the payment amount FKJR3 in the data packet of the payment response is consistent with the collection amount JR1 sent by the receiver or not, and if so, the verification is passed; otherwise, the verification is not passed.

4) Whether the payment password ZFMM3 is consistent with the identity stored on the server and is identified as a QID3 electronic wallet payment password or not; if the two are consistent, the verification is passed; otherwise, the verification is not passed.

5) Whether the payment amount FKJR3 is greater than the balance identified as QID3 electronic purse; if the balance is enough, the verification is passed; otherwise, if the balance is insufficient, the verification is not passed.

When the above 5 pieces of the information are verified, the server returns a verification confirmation code YSQR3 to the recharging consumer machine and enters ZX3.3, otherwise, as long as at least one verification fails, the server returns information that the verification fails to pass to the recharging consumer machine, the read-write control module sends prompt information that the verification fails to pass to the display, the display informs the user of the payee, and meanwhile, the operation is ended, and the payment process is quitted; when the balance is verified to be insufficient, prompting information of insufficient balance is also prompted.

ZX3.3, the read-write control module generates acceptance information SLX3 which comprises a collection amount JR1, a recharging consumer identity CID1, an electronic wallet identity QID3, a payment agreement ZFTY3, a collection code SKM3 and a verification confirmation code YSQR3, and outputs the acceptance information SLX3 to the bar code display module.

ZX3.4, the bar code display module generates and displays a bar code according to the acceptance information SLX3 and starts to wait for receiving the response of the server; and if the response from the server is not received within a set waiting time, refreshing the bar code display module, ending the process operation of the payment and quitting the payment process.

ZX4, the payer receives the receipt information from the payee and makes payment reply, the payer processes the process including:

ZX4.1, the electronic wallet scans and identifies the bar code display module of the payee by using a bar code scanning module to obtain acceptance information SLX 4.

ZX4.2, the control module obtains a collection amount JR4, an identity CID4 of the recharging consumer machine, an identity QID4 of the electronic wallet, a payment agreement ZFTY4, a collection code SKM4 and a verification confirmation code YSQR4 according to the acceptance information SLX4, uploads the extracted information to the server through a data interface, and the server performs 5 verifications as follows:

1) the collection amount JR2 is consistent with the collection amount JR 4.

2) And whether the identity CID2 of the top-up consumer machine is consistent with the CID 4.

3) The wallet id QID2 is consistent with QID 4.

4) Payment agreement ZFTY2 is consistent with payment agreement ZFTY 4.

5) And whether the verification confirmation code YSQR3 returned by the server received by the recharging consumer machine is consistent with the verification confirmation code YSQR4 extracted by the electronic wallet from the received acceptance information SLX 4.

If the above 5 contrasts are respectively consistent, entering ZX4.3 for passing verification; if the comparison is inconsistent, the server generates a verification failure message to be sent to the electronic wallet and the recharging consumer machine if the verification fails; and the control module sends a prompt message that the verification fails to pass to the display module, the display module informs the payer, and meanwhile, the operation is finished, and the payment process is quitted.

ZX4.3, the server updates the balance of the electronic wallet with the identity of QID4, records the time of the payment operation, the collection amount JR4, the identity CID4 of the recharging consumer machine, the payment code ZFM4 and the collection code SKM4, and sends a collection completion code SKWC to the electronic wallet and the recharging consumer machine.

ZX4.4, the electronic wallet receives the collection completion code SKWC, sends a prompt message of completion of payment to the display module through the control module, and the prompt message is displayed through the display module to inform a payer, and meanwhile, the operation is finished, and the payment process is quitted.

ZX4.5, the electronic wallet receives the information that the verification fails, then the control module sends a prompt message that the verification fails to pass to the display module, the display module informs the payer, and meanwhile, the operation is finished, and the payment process is quitted.

ZX5, wherein the payee receives the information from the server, and the processing flow comprises the following steps:

ZX5.1, the recharging consumer machine receives the information that the collection completion code SKWC or the verification fails, if the collection completion code SKWC is received, a prompt message of completion of payment is sent to the display through the read-write control module, the prompt message is displayed through the display to inform a payee, meanwhile, the operation is finished, and the payment process is quitted; if the information that the verification fails is received, a prompt message that the verification fails is sent to the display through the read-write control module, the prompt message is displayed through the display to inform a payee, meanwhile, the operation is finished, and the payment process is quitted.

In the payment process, the data sent by the recharging consumer machine is received from the electronic wallet, and the data sent by the electronic wallet is received from the recharging consumer machine, so that the possibility that the data cannot be identified exists in the receiving and sending processes, and therefore, in the payment process, for the data which cannot be identified and the situation that the data cannot be received and cannot be identified, the device can unilaterally end the payment process after a set waiting time is overtime.

In the payment process, the data sent from the electronic wallet to the recharging consumer machine and the data sent from the recharging consumer machine to the electronic wallet may have the possibility of data loss, tampering and forgery in the transceiving process, so in the payment process, for each received key data, it is assumed that the currently received data is different from the data generated or received in the previous steps of the payment process, and comparison and verification are required, thereby ensuring the authenticity and integrity of the transceiving data.

The invention provides an online payment method by combining a visible light communication technology and a bar code scanning and identifying technology, and realizes a novel online payment means. The invention adopts the equipment such as the smart phone, the tablet personal computer and the like which are almost carried by one hand or even multiple hands of people at present as the carrier of the electronic wallet, avoids the trouble of carrying various payment tools with people, enables people to go out more conveniently and quickly, and realizes a novel 'one-machine-through' transaction mode based on the equipment such as the smart phone, the tablet personal computer and the like.

Drawings

FIG. 1 is a schematic diagram of the structure of the process of the present invention.

Fig. 2 is a block diagram of an apparatus in an embodiment of the present invention.

The labels in the figure are: 1-an electronic wallet; 2-recharge consumer machine; 3-a server; 11-a control module; 12-an input module; 13-a display module; 14-a data interface; 15-a barcode scanning module; 17-a visible light emitting module; 21-read-write control module; 22-a barcode display module; 24-a visible light receiving module; 25-a keyboard module; 26-a display; 27-a communication module.

Detailed Description

Example (b):

the invention relates to an online payment method with visible light and bar code bidirectional authentication, which comprises the following specific implementation steps of:

establishing a set of online consumption device with visible light and bar code mutual authentication, comprising: an electronic wallet 1, a recharging consumer machine 2 and a server 3.

Electronic wallet 1, comprising: visible light emitting module 17, bar code scanning module 15, control module 11, input module 12, display module 13, data interface 14.

And the visible light emitting module 17 is used for generating and sending a visible light signal according to the information input by the control module 11.

And the bar code scanning module 15 is used for scanning and identifying a bar code and outputting an identification result to the control module 11.

A control module 11 for: 1. processing information to be sent to generate a data packet, outputting the data packet to the visible light emitting module 17, and driving the visible light emitting module 17 to send a visible light signal; 2. receiving the scanning result output of the bar code scanning module 15, and verifying the scanning result; 3. generating information to be transmitted through the visible light emitting module 17 according to the received information and the generated payment information; 4. can perform data interaction with the server 3 through the data interface 14, and perform uploading and downloading operations of information including consumption, recharging, balance inquiry and log inquiry.

And the input module 12 is used for inputting payment amount, inquiry password, payment password and operation instruction to the control module 11.

And the display module 13 is used for displaying payment amount, a password input interface, an operation instruction and prompt information.

And the data interface 14 is used for providing networking functions of the electronic wallet 1, and providing functions of connecting with the server 3 and performing data exchange, data maintenance and upgrading.

The electronic wallet 1 is implemented by a smartphone equipped with a flash and a camera.

A top-up consumer machine 2 comprising: a visible light receiving module 24, a bar code display module 22, a read-write control module 21, a keyboard module 25, a display 26 and a communication module 27.

The visible light receiving module 24 is configured to receive the visible light signal, process and restore the visible light signal to a corresponding digital signal, and restore the digital signal to a data packet.

And the bar code display module 22 is used for generating and displaying a bar code according to the input information of the read-write control module 21.

A read-write control module 21, configured to: 1. receiving the output of the visible light receiving module 24 and authenticating the output; 2. processing the information to be sent and outputting the information to the bar code display module 22; 3. a communication interface is provided for uploading and downloading information with the server 3 through the communication module 27.

And the keyboard module 25 is used for inputting the transaction amount, the transaction password and the operation instruction to the read-write control module 21.

And the display 26 is used for displaying the transaction amount, the password input interface, the operation instruction and prompt information.

And the communication module 27 is used for connecting the upper computer or the access network in a wired or wireless mode so as to be connected with the server.

A server 3 for: 1. establishing uploading and downloading data connection with the recharging consumer machine 2 through the communication module 27; 2. establishing data connection for uploading and downloading with the electronic wallet 1 through the data interface 14; 3. providing background service support of the online payment method; 4. an interface providing the entire online payment device with the flow of funds of the financial system; 5. for the supplement consumption machine 2 and the electronic purse 1 to issue or cancel authorization, the method comprises the following steps: key updating, algorithm updating and upgrading, use authority adjustment, validity period adjustment, electronic wallet recharging, recharging consumer machine payment, and electronic wallet and recharging consumer machine public information inquiry; 6. the preservation comprises the following steps: information including an authorized user list, a blacklist, an operation log summary and a recharging consumer machine list.

An authorized user list for maintaining a list comprising: identification of electronic purse that has been authorized to make online payments, usage rights, expiration date, identity information of electronic purse holder.

And the blacklist is used for storing the identification information of the part of the electronic wallets which are refused to pay for the transaction due to arrearage, loss report and illegal use records in the authorized user list.

And the payment interface is used for providing an interface for the fund flow of the whole online payment device and the financial system.

And the operation log collection is used for storing information including the query, the recharge and the consumption operation time, the payment amount and the payment process data parameters of all the recharging consumption machines and the electronic wallets.

And the rechargeable consumer machine list is used for storing the information, the use authority and the validity period of the rechargeable consumer machine terminal which is authorized to carry out online payment transaction.

The issuing process of the electronic wallet comprises the following steps: the server issues an authorization to the user, and the authorization mode can be to issue an authorization entity hardware device or to provide an authorization number for the existing device equipped with the invention; and recharging the equipment, and writing the electronic wallet identity, the use authority, the validity period, the payment password and the inquiry password of the electronic wallet and the identity information of the electronic wallet holder.

One payment process embodiment is as follows:

the payment is completed by an authorized payee of the recharging consumer machine 2 and an authorized payer of the electronic purse 1, and the payment process is as follows:

ZX1.1, the payee enters the amount to be received JR1 on the load consumer machine 2.

ZX1.2, the read-write control module 21 generates a collection request SKQQ1 containing the collection amount JR1 and the ID CID1 of the recharging consumer machine 2 according to the collection amount JR1 input by ZX1.1, and outputs the collection request SKQQ1 to the bar code display module 22.

ZX1.3, the bar code display module 22 generates and displays a bar code according to the collection request SKQQ1, and starts to wait for receiving the response of the payer; if no response is received from the payer within a set wait time, the barcode display module 22 is refreshed, awaiting the entry of the next payment request.

ZX1.3, uploading the collection request SKQQ1 to the server 3 through the communication module 27; and downloads a collection random number SKSJ1 from server 3.

ZX1.4, the bar code display module 22 generates and displays a bar code according to the collection request SKQQ1 and the collection random code SKSJ1, and starts to wait for receiving the response of the payer; if no response is received from the payer within a set wait time, the barcode display module 22 is refreshed, awaiting the entry of the next payment request.

ZX2.1, the electronic wallet 1 scans the bar code display module 22 for identifying the payee by using the bar code scanning module 13 to obtain a cash collection request SKQQ2 and a cash collection random code SKSJ 2.

ZX2.2, the control module 11 obtains the collection amount JR2 and the ID CID2 of the recharging consumer machine according to the collection request SKQQ2, and the electronic wallet 1 checks through the connection server 3:

1) and checking the ID CID2 of the charge consumer machine, and confirming whether the charge consumer machine 2 with the ID CID2 is authorized and not listed in a blacklist.

2) And whether the random collection code SKSJ1 downloaded by the verification server 3 to the recharging consumer machine 2 is the same as the random collection code SKSJ2 received by the electronic wallet 1 or not is verified.

If at least one of the two checks fails, displaying the information that the server 3 fails to check on the display module 13; otherwise, if both checks pass, the JR2, CID2 and payment prompt information are displayed on the display module 13 and await confirmation by the payer.

ZX2.3, if the payer agrees to pay, inputting an instruction of agreeing to pay through the input module 12, and entering ZX 2.4; if the payer inputs an instruction of not agreeing with the payment or whether the payer agrees within a certain set time, the payment process is quitted.

ZX2.4, after the electronic wallet 1 gets the instruction to approve the payment, a prompt to enter the password is displayed on the display module 13.

ZX2.5, the user enters the payment password ZFMM2 from input module 12 as prompted by the password entry in ZX 2.4.

ZX2.6, the control module 11 obtains the payment password ZFMM2 input by the input module 12 and generates a data packet containing the electronic wallet identity QID2, the payment agreement ZFMTY 2, the payment amount FKJR2, the payment request SKQQ2 and the payment password ZFMM2, and outputs the data packet to the visible light emitting module, the visible light emitting module 17 sends the data packet in the form of visible light signals, and starts to wait for the response of the payee; if the response from the payee is not received within a set waiting time, the operation is ended and the payment process is exited.

ZX3.1, the visible light receiving module 24 of the recharging consuming machine 2 receives the visible light signal, converts the visible light signal into a data packet and outputs the data packet to the read-write control module 21.

ZX3.2, the read-write control module 21 extracts the electronic wallet identity QID3, the collection request SKQQ3, the payment amount FKJR3, the payment agreement ZFTY3 and the payment password ZFMM3 from the data packet; the extracted information is uploaded to the server 3 through the communication module 27, and the server 3 performs the following 5 verifications:

When the above 5 pieces are verified, the server 3 returns a verification confirmation code YSQR3 to the recharging consumer machine 2 and enters ZX3.3, otherwise, as long as at least one verification fails, the server 3 returns information that the verification fails to pass to the recharging consumer machine 2, the read-write control module 21 sends prompt information that the verification fails to pass to the display 26, the user of the payee is informed through the display 26, and the operation is ended at the same time, and the payment process is exited; when the balance is verified to be insufficient, prompting information of insufficient balance is also prompted.

ZX3.3, the read-write control module 21 generates acceptance information SLX3 which comprises the collection amount JR1, the recharging consumer identity CID1, the electronic wallet identity QID3, the payment agreement ZFTY3, the collection code SKM3 and the verification confirmation code YSQR3, and outputs the acceptance information SLX3 to the bar code display module 22.

ZX3.4, the bar code display module 22 generates and displays a bar code according to the acceptance information SLX3, and starts to wait for the response of the receiving server 3; if the response from the server 3 is not received within a set waiting time, the bar code display module 22 is refreshed, the process operation of the current payment is finished, and the payment process is quitted.

ZX4.1, the electronic wallet 1 scans the bar code display module 22 for identifying the payee by using the bar code scanning module 15 to obtain acceptance information SLX 4.

ZX4.2, the control module 11 obtains the collection amount JR4, the recharging consumer machine identity CID4, the electronic wallet identity QID4, the payment agreement ZFTY4, the collection code SKM4 and the verification confirmation code YSQR4 according to the acceptance information SLX4, uploads the extracted information to the server 3 through a data interface, and the server 3 carries out the following 5 verifications:

1) the collection amount JR2 is consistent with the collection amount JR 4.

2) And whether the charging consumer identity CID2 is consistent with the CID 4.

3) The wallet id QID2 is consistent with QID 4.

4) Payment agreement ZFTY2 is consistent with payment agreement ZFTY 4.

5) And whether the verification confirmation code YSQR3 returned by the server 3 and received by the recharging consumer machine 2 is consistent with the verification confirmation code YSQR4 extracted by the electronic wallet 1 from the received acceptance information SLX 4.

If the above 5 contrasts are respectively consistent, entering ZX4.3 for passing verification; if the comparison is inconsistent, the server 3 generates a verification failure message to be sent to the electronic wallet 1 and the recharging consumer machine 2 for verification failure; and the control module 11 sends a prompt message indicating that the verification fails to pass to the display module 13, and the display module 13 informs the payer, and simultaneously ends the operation and quits the payment process.

ZX4.3, the server 3 updates the balance of the electronic wallet with the identity of QID4, records the time of the payment operation, the amount of collected money JR4, the identity of the recharging consumer machine CID4, the payment code ZFM4 and the collection code SKM4, and sends a collection completion code SKWC to the electronic wallet 1 and the recharging consumer machine 2.

ZX4.4, the electronic wallet 1 receives the collection completion code SKWC, sends a prompt message of completion of payment to the display module 13 through the control module 11, and the prompt message is displayed through the display module 13 to inform the payer, and meanwhile, the operation is finished, and the payment process is quitted.

ZX4.5, the electronic wallet 1 receives the information that the verification fails, then the control module 11 sends a prompt message that the verification fails to pass to the display module 13, the display module 13 informs the payer, and at the same time, the operation is finished, and the payment process is quitted.

ZX5, wherein the payee receives the information from the server 1, and the processing flow comprises the following steps:

ZX5.1, the recharging consumer machine 2 receives the information that the collection completion code SKWC or the verification fails, if the collection completion code SKWC is received, a prompt message of payment completion is sent to the display 26 through the read-write control module 21, the prompt message is displayed through the display 26 to inform a payee, the operation is ended, and the payment process is quitted; if the information that the verification fails is received, a prompt message that the verification fails is sent to the display 26 through the read-write control module 21, and the prompt message is displayed through the display 26 to inform the payee, and meanwhile, the operation is ended, and the payment process is quitted.

Claims

1. An online payment method with visible light and bar code mutual authentication is characterized by comprising the following specific steps:

(1) establishing a set of online consumption device with visible light and bar code mutual authentication, comprising: an electronic wallet, a recharge consumer machine, and a server;

an electronic wallet, comprising: the system comprises a visible light emitting module, a bar code scanning module, a control module, an input module, a display module and a data interface; the visible light emitting module is used for generating and sending visible light signals according to the information input by the control module; the bar code scanning module is used for scanning and identifying bar codes and outputting an identification result to the control module; a control module to: 1. processing information to be sent to generate a data packet, outputting the data packet to a visible light emitting module, and driving the visible light emitting module to send a visible light signal; 2. receiving the scanning result output of the bar code scanning module, and verifying the scanning result; 3. generating information needing to pass through the visible light emitting module according to the received information and the generated payment information; 4. the data interaction can be carried out with the server through the data interface, and the uploading and downloading operations of information including consumption, recharging, balance inquiry and log inquiry are carried out; the input module is used for inputting information including payment amount, inquiry passwords, payment passwords and operation instructions to the control module; the display module is used for displaying payment amount, a password input interface, an operation instruction and prompt information; the data interface is used for providing a networking function of the electronic wallet and providing functions of connecting with the server and performing data exchange, data maintenance and upgrading;

a load-add consumer machine comprising: the device comprises a visible light receiving module, a bar code display module, a read-write control module, a keyboard module, a display and a communication module; the visible light receiving module is used for receiving the visible light signals, processing and restoring the visible light signals into corresponding digital signals, and restoring the digital signals into data packets; the bar code display module is used for generating and displaying a bar code according to the input information of the read-write control module; a read-write control module for: 1. receiving the output of the visible light receiving module and authenticating the output; 2. processing information to be sent and outputting the information to a bar code display module; 3. providing a data interface, and uploading and downloading read-write operations including collection, query and operation information with a server through a communication module; the keyboard module is used for inputting transaction amount, transaction password and operation instruction to the read-write control module; the display is used for displaying the transaction amount, the password input interface, the operation instruction and the prompt information; the communication module is used for connecting the upper computer or the access network in a wired or wireless mode so as to be connected with the server;

a server to: 1. establishing uploading and downloading data connection with the recharging consumption machine through a communication module; 2. establishing data connection for uploading and downloading with the electronic wallet through a data interface; 3. providing background service support of the online payment method; 4. an interface providing the entire online payment device with the flow of funds of the financial system; 5. for the rechargeable consumer machine, electronic wallet issue or cancel the authorization, provide and include: key updating, algorithm updating and upgrading, use authority adjustment, validity period adjustment, electronic wallet recharging, recharging consumer machine payment, and electronic wallet and recharging consumer machine public information inquiry; 6. the preservation comprises the following steps: information including an authorized user list, a blacklist, an operation log summary, a recharging consumer machine list, the use authority of the electronic wallet and the recharging consumer machine, the balance of the electronic wallet and the valid period of the electronic wallet and the recharging consumer machine;

an authorized user list for maintaining a list comprising: identity of the electronic wallet that has been authorized to make online payments, usage rights, expiration dates, identity information of the electronic wallet holder; the blacklist is used for storing the identity identification information of the part of the electronic wallets which are refused to pay for the transaction due to arrearage, loss report and illegal use records in the authorized user list; a payment interface for providing an interface for the flow of funds throughout the online payment device with the financial system; the operation log summarization is used for storing information including the query, recharge and consumption operation time, payment amount and payment process data parameters of all recharging consumer machines and electronic wallets; the bill of the recharging consumer machine is used for saving and comprises: the identity mark, the use authority, the validity period and the identity information of the holder of the recharging consumer machine which is authorized to carry out online payment transaction;

the server is used for issuing authority to the module comprising the recharging consumer machine and the equipment with the functions thereof, so that the server has the function of receiving the electronic wallet in the device for payment; the server is used for issuing the authority to the equipment comprising the module and the function of the electronic wallet, so that the equipment has the function of paying to a recharging consumer machine in the device; meanwhile, the server issues an authorization to the user, wherein the authorization mode is to issue an authorization entity hardware device or to provide an authorization number for the user of the existing device; recharging the equipment, and writing the identity identification, the use authority, the validity period, the payment password and the inquiry password of the electronic wallet and the identity information of the electronic wallet holder;

ZX1.1, the payee inputs a collection amount JR1 to be received on the recharging and consuming machine;

ZX1.2, the read-write control module generates a collection request SKQQ1 containing the collection amount JR1 and the ID CID1 of the recharging consumer machine according to the collection amount JR1 input by ZX1.1, and outputs the collection request SKQQ1 to the bar code display module;

ZX1.3, uploading the collection request SKQQ1 to the server through the communication module; downloading a collection random code SKSJ1 from the server;

ZX1.4, the bar code display module generates and displays a bar code according to the collection request SKQQ1 and the collection random code SKSJ1, and starts to wait for receiving the response of the payer; if the response from the payer is not received within a set waiting time, refreshing the bar code display module and waiting for the input of the next collection request;

ZX2.1, the electronic wallet uses the bar code scanning module to scan and discern the bar code display module of the payee, receive the request SKQQ2 and receive the random code SKSJ2 of the collection;

1) checking the ID CID2 of the recharging consumer machine, and confirming whether the recharging consumer machine with the ID CID2 is authorized and not listed in a blacklist;

2) whether the random collection codes SKSJ1 downloaded by the verification server to the recharging consumer machine are the same as the random collection codes SKSJ2 received by the electronic wallet or not is verified;

if at least one of the two checks fails, displaying the information that the server fails to pass the check on the display module; otherwise, if both checks pass, displaying JR2, CID2 and payment prompt information on the display module and waiting for confirmation of the payer;

ZX2.3, if the payer agrees to pay, inputting an instruction of agreeing to pay through the input module, and entering ZX 2.4; if the payer inputs an instruction of not agreeing with the payment or whether the payer agrees within a certain set time, quitting the payment process;

ZX2.4, after the electronic wallet obtains the instruction of agreeing to pay, displaying the prompt of inputting the password on the display module;

ZX2.5, the user inputs a payment password ZFMM2 by the input module according to the prompt of password input in ZX 2.4;

ZX2.6, the control module obtains the payment password ZFMM2 input by the input module, generates a data packet containing an electronic wallet identity QID2, a payment agreement ZFMTY 2, a payment amount FKJR2, a payment request SKQQ2 and a payment password ZFMM2, outputs the data packet to the visible light emitting module, sends the data packet in a visible light signal form by the visible light emitting module, and starts to wait for the response of a payee; if the response from the payee is not received within a set waiting time, ending the operation and quitting the payment process;

ZX3.1, a visible light receiving module of the recharging consumption machine receives visible light signals, converts the visible light signals into data packets and outputs the data packets to a read-write control module;

1) verifying whether the wallet identity QID3 is not blacklisted, and if the wallet identity QID3 is blacklisted, verifying that the wallet identity QID is not passed; otherwise, the verification is passed;

2) whether the received collection request SKQQ3 in the data packet is consistent with SKQQ1 sent by the collection party or not is judged, if so, the verification is passed; otherwise, the verification is failed;

3) whether the payment amount FKJR3 in the data packet of the payment response is consistent with the collection amount JR1 sent by the receiver or not, and if so, the verification is passed; otherwise, the verification is failed;

4) whether the payment password ZFMM3 is consistent with the identity stored on the server and is identified as a QID3 electronic wallet payment password or not; if the two are consistent, the verification is passed; otherwise, the verification is failed;

5) whether the payment amount FKJR3 is greater than the balance identified as QID3 electronic purse; if the balance is enough, the verification is passed; otherwise, if the balance is insufficient, the verification is not passed;

when the above 5 pieces of the information are verified, the server returns a verification confirmation code YSQR3 to the recharging consumer machine and enters ZX3.3, otherwise, as long as at least one verification fails, the server returns information that the verification fails to pass to the recharging consumer machine, the read-write control module sends prompt information that the verification fails to pass to the display, the display informs the user of the payee, and meanwhile, the operation is ended, and the payment process is quitted; when the balance is verified to be insufficient, prompting information of the insufficient balance is also prompted;

ZX3.3, the read-write control module generates acceptance information SLX3 which comprises a collection amount JR1, a recharging consumer identity CID1, an electronic wallet identity QID3, a payment agreement ZFTY3, a collection code SKM3 and a verification confirmation code YSQR3, and the acceptance information SLX3 is output to the bar code display module;

ZX3.4, the bar code display module generates and displays a bar code according to the acceptance information SLX3 and starts to wait for receiving the response of the server; if the response from the server is not received within a set waiting time, refreshing the bar code display module, ending the process operation of the payment and quitting the payment process;

ZX4.1, scanning and identifying a bar code display module of a payee by a bar code scanning module for the electronic wallet to obtain acceptance information SLX 4;

1) whether the collection amount JR2 agrees with the collection amount JR 4;

2) whether the identity CID2 of the recharging consumer machine is consistent with the CID 4;

3) whether the electronic wallet identity QID2 is consistent with QID 4;

4) whether the payment agreement ZFTY2 is consistent with the payment agreement ZFTY 4;

5) whether the verification confirmation code YSQR3 returned by the server received by the recharging consumer machine is consistent with the verification confirmation code YSQR4 extracted by the electronic wallet from the received acceptance information SLX4 or not;

if the above 5 contrasts are respectively consistent, entering ZX4.3 for passing verification; if the comparison is inconsistent, the server generates a verification failure message to be sent to the electronic wallet and the recharging consumer machine if the verification fails; then the control module sends a prompt message that the verification fails to pass to the display module, the display module informs the payer, and meanwhile, the operation is finished, and the payment process is quitted;

ZX4.3, the server updates the balance of the electronic wallet with the identity of QID4, records the time of the payment operation, the collection amount JR4, the identity CID4 of the recharging consumer machine, the payment code ZFM4 and the collection code SKM4, and sends a collection completion code SKWC to the electronic wallet and the recharging consumer machine;

ZX4.4, the electronic wallet receives the collection completion code SKWC, sends a prompt message of completion of payment to the display module through the control module, and the prompt message is displayed by the display module to inform a payer, and meanwhile, the operation is finished, and the payment process is quitted;

ZX4.5, the electronic wallet receives the information that the verification fails, then the control module sends a prompt message that the verification fails to pass to the display module, the display module informs the payer, and meanwhile, the operation is finished, and the payment process is quitted;

ZX5.1, the recharging consumer machine receives the information that the collection completion code SKWC or the verification fails, if the collection completion code SKWC is received, a prompt message of completion of payment is sent to the display through the read-write control module, the prompt message is displayed through the display to inform a payee, meanwhile, the operation is finished, and the payment process is quitted; if the information that the verification fails is received, sending a prompt message that the verification fails to pass to a display through the read-write control module, displaying the prompt message through the display to inform a payee, simultaneously finishing the operation and quitting the payment process;

in the payment process, the data sent by the recharging consumer machine is received from the electronic wallet, and the data sent by the electronic wallet is received from the recharging consumer machine, so that the possibility of being unidentifiable exists in the receiving and sending processes, and therefore, in the payment process, for the unidentifiable data and the unidentifiable situation caused by the incapability of receiving the data, the device unilaterally ends the payment process after a set waiting time is overtime;