CN103473677A - Financial certificate transaction system and method by combining action communication device with two-dimensional bar code - Google Patents
Financial certificate transaction system and method by combining action communication device with two-dimensional bar code Download PDFInfo
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- CN103473677A CN103473677A CN2013104350813A CN201310435081A CN103473677A CN 103473677 A CN103473677 A CN 103473677A CN 2013104350813 A CN2013104350813 A CN 2013104350813A CN 201310435081 A CN201310435081 A CN 201310435081A CN 103473677 A CN103473677 A CN 103473677A
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Abstract
The invention relates to a financial certificate transaction system and method by combining a mobile communication device with a two-dimensional bar code, which mainly reads or generates the two-dimensional bar code through the mobile communication device with the financial certificate to perform transaction, payment information and identification information of the mobile communication device can be transmitted to a bar code special transaction system through a bar code transaction module or a service type endpoint sale system in the mobile communication device, the bar code special transaction system verifies the signature validity of the payment information and then transmits the payment information to a financial unit to perform transaction, and a transaction information ciphertext is generated by signing the payment information ciphertext through a user certificate so as to avoid the condition that data is embezzled or falsified.
Description
Technical field
The present invention relates to the financial transaction field, particularly relate to a kind of mobile communication device and carry out financial instruments transaction system and method in conjunction with two-dimensional bar code.
Background technology
Taiwan I275037 " is used the system and method for the electronic finance trade of portable telephone device " in order to promotion, its transaction triggering mode is manually inputted user's mobile communication equipment number by the hotel owner, whether the user's mobile communication equipment number that is judged hotel owner's input by system is registered, transmit the trade confirmation message to the user if registered, by the user, reply and whether concluded the business; And Taiwan 201126439 application cases " network finance consumption disposal route and two-dimensional bar code financial consumption treating apparatus " comprise at least one commodity selection interface of demonstration in a display; After at least one commodity are chosen, then show that in display having at least one two-dimensional bar code transmits one of option consumption confirmation interface; And transmitting the chosen rear output of option one two-dimensional bar code pattern in two-dimensional bar code, the two-dimensional bar code pattern points to data according to a communication and is sent to an outside specific action communication device.
Above-mentioned two cases are all to utilize mobile communication device as means of exchange, yet well accepted reason not yet so far, be to confirm whether the consumer is correct mobile communication device user, or user data is altered or is usurped, cause by mobile communication device, being consumed at present, only rest on petit average, and the situation generation of suffering to steal brush is often arranged.
Summary of the invention
Fundamental purpose of the present invention, be to provide a kind of and avoid data to be usurped or the mobile communication device altered carries out financial instruments transaction system and method in conjunction with two-dimensional bar code.
Secondary objective of the present invention is to provide in a kind of process of exchange, can confirm that the mobile communication device whether the mobile communication device possessor is being concluded the business carries out financial instruments transaction system and method in conjunction with two-dimensional bar code.
A kind of mobile communication device of the present invention carries out financial instruments transaction system and method in conjunction with two-dimensional bar code, it comprises mobile communication device, bar code conclude the business special office system and service formula end points transaction system, and described mobile communication device at least comprises voucher, bar code transaction modules.
When the user opens the bar code transaction modules, and after the PIN code of input document obtains voucher, input again payment information, the bar code transaction modules is carried out stamped signature with voucher by payment information and is produced the Transaction Information ciphertext, again by the mobile communication device identifying information Dynamic Generation two-dimensional bar code in described ciphertext and described mobile communication device, service formula end sale system passes through two-dimensional barcode reader, read and understand Transaction Information ciphertext and the mobile communication device identifying information of described two-dimensional bar code internal memory record, and Transaction Information ciphertext and mobile communication device identifying information are transferred to the bar code special office system of concluding the business, bar code is concluded the business after special office system reception, first with described mobile communication device identifying information, find the corresponding voucher of mobile communication device, verify described Transaction Information ciphertext, and taking-up payment information, and payment information is sent to the payment of concluding the business of corresponding financial unit or electronic bill unit, and receive the transaction results of its passback, be sent to described service formula end sale system.
In addition, further can there is the bar code parsing module on described mobile communication device, can be in order to capture the two-dimensional bar code shown on service formula end sale system screen, parse sequence information and be sent to the bar code transaction modules in mobile communication device, and the PIN code of input document obtains voucher in the bar code transaction modules, input again the payment account, the bar code transaction modules is compiled in collaboration with into payment information by sequence information and payment account, and with voucher, payment information is carried out to stamped signature generation Transaction Information ciphertext, again the mobile communication device identifying information in this ciphertext and described mobile communication device is sent in the lump to the bar code special office system of concluding the business, bar code is concluded the business after special office system reception, obtain corresponding voucher by the mobile communication device identifying information, after verifying described Transaction Information ciphertext and taking out payment information, transfer to again the payment of concluding the business of financial unit, and receive the transaction results of its passback, be sent to bar code transaction modules and the described service formula end sale system of described mobile communication device.
Moreover, described bar code parsing module also can be used for reading hotel owner's information of two-dimensional bar code in hotel owner's licence plate, and the bar code transaction modules in the unlatching mobile communication device, after the PIN code of input document obtains voucher, the input account information, the bar code transaction modules is compiled in collaboration with into payment information by the payment account of hotel owner's information and user's input, and with voucher, payment information is carried out to stamped signature generation Transaction Information ciphertext, again the mobile communication device identifying information in this ciphertext and described mobile communication device is sent in the lump to the bar code special office system of concluding the business, bar code is concluded the business after special office system reception, obtain corresponding voucher by the mobile communication device identifying information, after verifying described Transaction Information ciphertext and taking out payment information, transfer to again the payment of concluding the business of financial unit, and receive the transaction results of its passback, be sent to the bar code transaction modules of described mobile communication device, simultaneously according to hotel owner's information of payment information and hotel owner's log-on data of censorship, payment result is notified in the lump to described hotel owner's communication device.
Above-mentioned mobile communication device carries out financial instruments transaction system and method in conjunction with two-dimensional bar code, with voucher, payment information is carried out to stamped signature by the bar code transaction modules and produce the Transaction Information ciphertext, or the bar code transaction modules is compiled in collaboration with into payment information by sequence information and payment account, and with voucher, payment information is carried out to stamped signature generation Transaction Information ciphertext, or the bar code transaction modules is compiled in collaboration with into payment information by the payment account of hotel owner's information and user's input, and with voucher, payment information is carried out to stamped signature generation Transaction Information ciphertext, the situation of having avoided data to be usurped or alter.
The accompanying drawing explanation
The schematic diagram that Fig. 1 is first embodiment of the invention;
The schematic diagram that Fig. 2 is second embodiment of the invention;
The schematic diagram that Fig. 3 is third embodiment of the invention.
Description of reference numerals
1 mobile communication device 11 vouchers
12 bar code transaction modules 13 bar code parsing modules
The 2 service formula end sale system 3 bar codes special office system of concluding the business
4 censorship's 5 hotel owner's communication devices
Embodiment
Refer to shown in Fig. 1, the invention provides a kind of mobile communication device and carry out financial instruments transaction system and method in conjunction with two-dimensional bar code, it comprises mobile communication device 1, bar code conclude the business special office system 3 and service formula end sale system 2, the described moving communication device 1 that works at least comprises voucher 11, bar code transaction modules 12, described voucher 11 at least comprises the private key of public key capital construction, and described voucher provides and gives bar code transaction modules 12 and read and use, described bar code transaction modules 12 provides the user to input payment information, and the Transaction Information ciphertext of with 11 pairs of payment informations of voucher, carrying out the stamped signature generation, take out the mobile communication device identifying information with described Transaction Information ciphertext and from described mobile communication device 1, produce the two-dimensional bar code of a tool authentication, and described two-dimensional bar code is shown in to the mobile communication device screen, described service formula end sale system 2 at least comprises a bar code reader in order to read two-dimensional bar code, obtain mobile communication device identifying information and Transaction Information ciphertext with decoding, and transfer to the bar code special office system 3 of concluding the business, receive again the transaction results of its passback, be shown on service formula end sale system 2, the described bar code special office system 3 of concluding the business includes voucher and the corresponding associated database of mobile communication device identifying information, described bar code is concluded the business after special office system 3 is received from the mobile communication device identifying information and Transaction Information ciphertext that service formula end sale system 2 imports into, after obtaining corresponding voucher 11 by described mobile communication device identifying information, after verifying described Transaction Information ciphertext and taking out payment information, payment information to the financial identical element of passing on is again concluded the business after payment, receive and pass on the payment result of described financial unit passback to described service formula end sale system 2.
Described mobile communication device 1 is a tool IMEI(International Mobile Equipment Identity code), the device of SIM (subscriber identification module) card, and provide the Mobile Communications networking function, in order to receive from user's input, to calculate, reach the transmission data, and at least stored one group of unique IMSI(international mobile subscriber identity in described SIM card), the customer identification use that IMSI accesses equipment for telecommunications company in order to communication network to be provided, and the described device talk service that accesses is provided after identifying successfully.
The invention provides a kind of mobile communication device and carry out financial instruments transaction system and method in conjunction with two-dimensional bar code, its transaction step is as follows:
Step 1, user open the bar code transaction modules 12 in mobile communication device 1, and the PIN(PIN of input document 11) after code is obtained voucher 11, the payment information that input comprises the payment identifying information again, with voucher 11, payment information is carried out to stamped signature by bar code transaction modules 12 and produce the Transaction Information ciphertext, then by the mobile communication device identifying information Dynamic Generation two-dimensional bar code in this ciphertext and described mobile communication device 1;
Step 2, service formula end sale system 2 read out the two-dimensional bar code shown on mobile communication device 1 screen understand Transaction Information ciphertext and the mobile communication device identifying information of two-dimensional bar code internal memory record by two-dimensional barcode reader;
In addition, for guaranteeing conclude the business non-repudiation and data confidentiality, in above-mentioned steps one, can be first by payment information with the financial unit golden key that core is sent out voluntarily or use financial unit to be set in advance one group of disposal password of dynamic password generator Dynamic Generation (One Time Password of mobile communication device 1, OTP) described payment information is encrypted to the payment information ciphertext, produce the Transaction Information ciphertext with the described payment information ciphertext of voucher 11 stamped signature again, with the situation of avoiding data to be usurped or alter.
And for high risk transaction content or information security demand, can be in above-mentioned steps four, the described bar code special office system 3 of concluding the business can add with telecommunication system and integrates, mobile communication device identifying information or user identity card font size are sent in telecommunication system, validity with checking mobile communication device 1 user, confirm whether the user has the situations such as the mobile communication device 1 of loss, or produce one group of disposal password (One Time Password by the bar code special office system 3 of concluding the business after above-mentioned steps four, OTP), and described disposal password and mobile communication device identifying information are sent to the mobile communication device 1 of news in brief to the appointment of mobile communication device identifying information by telecommunication system, and by the user, this password is inserted to the bar code transaction modules 12 in mobile communication device 1, by bar code transaction modules 12, this disposal password being back to bar code concludes the business in special office system 3, to confirm that mobile communication device 1 possessor is concluded the business really.
Moreover, payment information can comprise the mobile communication device identifying information, or financial unit can store the database of payment identifying information and mobile communication device identifying information corresponding relation, after above-mentioned steps five, after receiving described payment information by financial unit, produce one group of disposal password (One Time Password, OTP), and described disposal password and mobile communication device identifying information are sent to the mobile communication device 1 of news in brief to the appointment of mobile communication device identifying information by telecommunication system, and by the user, this password is inserted to the bar code transaction modules 12 in mobile communication device 1, by bar code transaction modules 12, this disposal password is returned, to confirm that mobile communication device 1 possessor is concluded the business really.
Refer to shown in Fig. 2, for the second embodiment of the present invention, it comprises mobile communication device 1, bar code conclude the business special office system 3 and service formula end sale system 2, the described moving communication device 1 that works at least comprises voucher 11, bar code transaction modules 12, bar code parsing module 13, voucher 11 at least comprises the private key of a public key capital construction, and described voucher 11 provides bar code transaction modules 12 to read and use, described bar code parsing module 13 shows the sequence information of two-dimensional bar code image in order to capture service formula end sale system 2, and transmit described sequence information to bar code transaction modules 12, the sequence information that the described bar code parsing module 2 of described bar code transaction modules 12 reception transmits and the Send only Account of user's input are compiled in collaboration with and are made payment information, after carrying out the Transaction Information ciphertext of stamped signature generation with 11 pairs of described consumption payment informations of voucher again, take out the mobile communication device identifying information is sent in the lump the bar code special office system 3 of concluding the business and is concluded the business by described Transaction Information ciphertext and from mobile communication device 1, and receive the conclude the business passback transaction results of special office system 3 of described bar code, described service formula end sale system 2 at least comprises a two-dimensional bar code generator, after described two-dimensional bar code generator forms a sequence information to order data and service formula end sale system identifying information, convert a two-dimensional bar code to and show and give the user, and receive and check from bar code and conclude the business after the transaction results message of special office system 3, be shown on service formula end sale system 2, the described bar code special office system 3 of concluding the business comprises voucher and the corresponding associated database of mobile communication device identifying information, the described bar code special office system 3 of concluding the business receives Transaction Information ciphertext and the mobile communication device identifying information transmitted from mobile communication device 1, after obtaining corresponding voucher by described mobile communication device identifying information, verify described Transaction Information ciphertext and take out payment information, pass on again after payment information to financial unit conclude the business and pay the bill, receive and pass on the payment result of described financial unit passback to the bar code transaction modules 12 of described mobile communication device 1.
The device that described mobile communication device 1 is a tool IMEI, SIM card, and provide the Mobile Communications networking function, in order to receive from user's input, to calculate, reach the transmission data, and at least stored one group of unique IMSI in described SIM card, the customer identification use that IMSI accesses equipment for telecommunications company in order to a communication network to be provided, and the described device talk service that accesses is provided after identifying successfully, its transaction step is as follows:
Step 1, service formula end sale system 2 convert a two-dimensional bar code to and are shown on screen after order data and service formula end sale system identifying information are formed to sequence information;
Step 2, user open the bar code parsing module 13 of mobile communication device 1, read the two-dimensional bar code shown on service formula end sale system 2 screens, parse sequence information and are sent to the bar code transaction modules 12 in mobile communication device 1;
After the PIN code of step 3, user's input document 11 in the bar code transaction modules 12 of mobile communication device 1 obtains voucher 11, then input payment account;
Wherein, step 2 and step 3 are without sequencing, the user can obtain voucher 11 by the PIN of input document 11 in the bar code transaction modules 12 of mobile communication device 1, input again the payment account, and then the bar code parsing module 13 of unlatching mobile communication device 1, read the two-dimensional bar code shown on service formula end sale system 2 screens, parse sequence information.
In addition, for guaranteeing conclude the business non-repudiation and data confidentiality, in step 4, can be first by payment information with the financial unit golden key that core is sent out voluntarily or use financial unit to be set in advance one group of disposal password of dynamic password generator Dynamic Generation (One Time Password of mobile communication device 1, OTP) described payment information is encrypted to the payment information ciphertext, produce the Transaction Information ciphertext with the described payment information ciphertext of voucher 11 stamped signature again, with the situation of avoiding data to be usurped or alter.
And for high risk transaction content or information security demand, in above-mentioned steps five, the bar code special office system 3 of concluding the business can add with telecommunication system and integrates, mobile communication device identifying information or user identity card font size are sent in telecommunication system, with checking mobile communication device 1 user's validity, confirm whether the user has the situations such as the mobile communication device 1 of loss; Or produce one group of disposal password (One Time Password by the bar code special office system 3 of concluding the business after step 5, OTP), and described disposal password and mobile communication device identifying information are sent to the mobile communication device 1 of news in brief to the appointment of mobile communication device identifying information by telecommunication system, and by the user, this password is inserted to the bar code transaction modules 12 in mobile communication device 1, by bar code transaction modules 12, this disposal password is back to bar code and concludes the business in special office system 3, to confirm that mobile communication device 1 possessor is concluded the business really.
Moreover, payment information can comprise the mobile communication device identifying information, or financial unit can store the database of payment identifying information and mobile communication device identifying information corresponding relation, after above-mentioned steps five, after receiving described payment information by financial unit, produce one group of disposal password (One Time Password, OTP), and described disposal password and mobile communication device identifying information are sent to the mobile communication device 1 of news in brief to the appointment of mobile communication device identifying information by telecommunication system, and by the user, this password is inserted to the bar code transaction modules 12 in mobile communication device 1, by bar code transaction modules 12, this disposal password is returned, to confirm that mobile communication device 1 possessor is concluded the business really.
Refer to shown in Fig. 3, for the third embodiment of the present invention, comprise mobile communication device 1, the bar code special office system 3 of concluding the business, censorship 4 and hotel owner's communication device 5, the moving communication device 1 that wherein works at least comprises voucher 11, bar code transaction modules 12, bar code parsing module 13, described voucher 11 at least comprises the private key of a public key capital construction, described voucher 11 provides bar code transaction modules 12 to read and use, described bar code parsing module 13 is in order to capture hotel owner's information of two-dimensional bar code in hotel owner's licence plate, and transmit described hotel owner's information to bar code transaction modules 12, hotel owner's information that the described bar code parsing module 13 of described bar code transaction modules 12 reception transmits and the Send only Account of user's input are compiled in collaboration with and are made payment information, after carrying out stamped signature generation Transaction Information ciphertext with 11 pairs of described consumption payment informations of voucher again, take out the mobile communication device identifying information is sent in the lump the bar code special office system 3 of concluding the business and is concluded the business by described Transaction Information ciphertext and from mobile communication device 1, and receive the conclude the business passback transaction results of special office system 3 of described bar code, described censorship 4 is for accepting the mechanism of hotel owner's registration, wherein hotel owner's log-on data at least comprises described hotel owner's communication device information 5 and financial account information, after the data audit, core is sent out one group of hotel owner's licence plate two-dimensional bar code, described hotel owner's communication device 5 is registered in the mobile communication device of censorship 4 for the hotel owner, in order to receive the conclude the business payment result notification message of special office system 5 of bar code, the described bar code special office system 3 of concluding the business comprises voucher and the corresponding associated database of mobile communication device identifying information, described bar code is concluded the business after special office system system 3 receives the Transaction Information ciphertext and mobile communication device identifying information transmitted from mobile communication device 1, after obtaining corresponding voucher 11 by described mobile communication device identifying information, after verifying described Transaction Information ciphertext and taking out payment information, pass on again after payment information to financial unit conclude the business and pay the bill, receive and pass on the payment result of described financial unit passback to the bar code transaction modules 12 of described mobile communication device 1, and simultaneously according to hotel owner's information of payment information and hotel owner's log-on data of censorship 4, payment result is notified in the lump to described hotel owner's communication device 5.
The device that described mobile communication device 1 is a tool IMEI, SIM card, and provide the Mobile Communications networking function, in order to receive from user's input, to calculate, reach the transmission data, and at least stored one group of unique IMSI in described SIM card, the customer identification use that IMSI accesses equipment for telecommunications company in order to a communication network to be provided, and the described device talk service that accesses is provided after identifying successfully, its step is as follows:
Step 1, user open the bar code parsing module 13 of mobile communication device 1, read hotel owner's information of two-dimensional bar code in the hotel owner, and open the bar code transaction modules 12 in mobile communication device 1, after the PIN code of input document 11 obtains voucher 11, and the input account information;
Step 2, bar code transaction modules 12 are compiled in collaboration with into payment information by the payment account of hotel owner's information and user's input, and with voucher 11, payment information is carried out to stamped signature and produce the Transaction Information ciphertext, then the mobile communication device identifying information in this ciphertext and described mobile communication device 1 is sent to the bar code special office system 3 of concluding the business is in the lump concluded the business;
Wherein, there is no absolute sequencing in described step 1, the user can obtain voucher 11 by the PIN of input document 11 in the bar code transaction modules 12 of mobile communication device 1, input again the payment account, and then open the bar code parsing module 13 of mobile communication device 1, read hotel owner's information of two-dimensional bar code in the hotel owner.
And for guaranteeing to conclude the business non-repudiation and data confidentiality, can be first in step 2 by payment information with the financial unit golden key that core is sent out voluntarily or use financial unit to be set in advance one group of disposal password of dynamic password generator Dynamic Generation (One Time Password of mobile communication device 1, OTP) described payment information is encrypted to the payment information ciphertext, produce the Transaction Information ciphertext with the described payment information ciphertext of voucher 11 stamped signature again, with the situation of avoiding data to be usurped or alter.
In addition, for high risk transaction content or information security demand, in step 3, the described bar code special office system 3 of concluding the business can add with telecommunication system and integrates, mobile communication device identifying information or user identity card font size are sent in telecommunication system, with checking mobile communication device 1 user's validity, confirm whether the user has the situations such as the mobile communication device 1 of loss; Or produce one group of disposal password (One Time Password by the bar code special office system 3 of concluding the business after step 3, OTP), and described disposal password and mobile communication device identifying information are sent to the mobile communication device 1 of news in brief to the appointment of mobile communication device identifying information by telecommunication system, and by the user, this password is inserted to the bar code transaction modules 12 in mobile communication device, by bar code transaction modules 12, this disposal password is back to bar code and concludes the business in special office system 3, to confirm that mobile communication device 1 possessor is concluded the business really.
Moreover, payment information can comprise the mobile communication device identifying information, or financial unit can store the database of payment identifying information and mobile communication device identifying information corresponding relation, after above-mentioned steps three, after receiving described payment information by financial unit, produce one group of disposal password (One Time Password, OTP), and described disposal password and mobile communication device identifying information are sent to the mobile communication device 1 of news in brief to the appointment of mobile communication device identifying information by telecommunication system, and by the user, this password is inserted to the bar code transaction modules 12 in mobile communication device 1, by bar code transaction modules 12, this disposal password is returned, to confirm that mobile communication device 1 possessor is concluded the business really.
The above embodiment has only expressed several embodiment of the present invention, and it describes comparatively concrete and detailed, but can not therefore be interpreted as the restriction to the scope of the claims of the present invention.It should be pointed out that for the person of ordinary skill of the art, without departing from the inventive concept of the premise, can also make some distortion and improvement, these all belong to protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be as the criterion with claims.
Claims (26)
1. a mobile communication device carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, comprising:
Mobile communication device, described mobile communication device comprises voucher and bar code transaction modules;
Voucher, described voucher at least comprises the private key of a public key capital construction, and described voucher provides described bar code transaction modules to read and use;
The bar code transaction modules, described bar code transaction modules provides the user to input payment information, and with voucher, payment information is carried out to stamped signature generation Transaction Information ciphertext, take out the mobile communication device identifying information with described Transaction Information ciphertext and from described mobile communication device, produce the two-dimensional bar code of a tool authentication, and this two-dimensional bar code is shown in to the mobile communication device screen;
Service formula end sale system, described service formula end sale system at least comprises a bar code reader in order to read two-dimensional bar code, obtain mobile communication device identifying information and Transaction Information ciphertext with decoding, and transfer to the bar code special office system of concluding the business, receive again the transaction results of its passback, be shown on service formula end sale system;
The bar code special office system of concluding the business, the described bar code special office system of concluding the business includes voucher and the corresponding associated database of mobile communication device identifying information, described bar code is concluded the business after special office system is received from the mobile communication device identifying information and Transaction Information ciphertext that service formula end sale system imports into, after obtaining corresponding voucher by described mobile communication device identifying information, after verifying described Transaction Information ciphertext and taking out payment information, pass on again after payment information to financial unit conclude the business and pay the bill, receive and pass on the payment result of described financial unit passback to described service formula end sale system.
2. mobile communication device according to claim 1 carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, described mobile communication device identifying information is the standby identification data of IMEI, IMSI, Mobile Directory Number or mobile communication device.
3. mobile communication device according to claim 1 carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, described payment information at least comprises dealing money data.
4. mobile communication device according to claim 1 carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, the producing method of described Transaction Information ciphertext, can use the financial unit golden key that core is sent out voluntarily that described payment information is encrypted to the payment information ciphertext, produce and form with the described payment information ciphertext of voucher stamped signature again, decipher and pass on after the payment information ciphertext when financial unit receives the bar code special office system of concluding the business, with its payment information of secret key decryption of the described mobile communication equipment of correspondence.
5. mobile communication device according to claim 1 carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, the producing method of described Transaction Information ciphertext, can use financial unit to be set in advance the dynamic password generator of mobile communication device, after one group of disposal password of Dynamic Generation, with described disposal password, described payment information is encrypted to the payment information ciphertext, produce and form with the described payment information ciphertext of voucher stamped signature again, decipher and pass on after the payment information ciphertext when financial unit receives the bar code special office system of concluding the business, the dynamic password generator adopted with the described mobile communication device of correspondence and calculate described dynamic password after the deciphering its payment information.
6. according to claim 1, 4 or 5 described mobile communication devices carry out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, described bar code is concluded the business after special office system reception Transaction Information ciphertext and mobile communication device identifying information, can send the disposal password message to the mobile communication device of described mobile communication device identifying information appointment, and by described mobile communication device return described disposal password or with the scrambled message of disposal password to confirm the mobile communication device state, complete confirm after the described bar code special office system of concluding the business described payment information is sent to financial unit.
7. carry out the financial instruments transaction system according to claim 1,4 or 5 described mobile communication devices in conjunction with two-dimensional bar code, it is characterized in that, described payment information comprises the mobile communication device identifying information, the finance unit can send the disposal password message to the mobile communication device of described mobile communication device identifying information appointment after receiving described payment information, and return described disposal password or with the scrambled message of disposal password, to confirm carrying out again payment program after the mobile communication device state by described mobile communication device.
8. according to claim 1, 4 or 5 described mobile communication devices carry out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, described financial unit stores the database of payment identifying information and mobile communication device identifying information corresponding relation, after the finance unit receives described payment information, can inquire the corresponding mobile communication device identifying information of payment identifying information of described payment information, send again the disposal password message to the mobile communication device of described mobile communication device identifying information appointment, and return described disposal password or with the scrambled message of disposal password by described mobile communication device, to confirm carrying out again payment program after the mobile communication device state.
9. a mobile communication device carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, comprises:
Mobile communication device, described mobile communication device comprises voucher, bar code parsing module and bar code transaction modules;
Voucher, described voucher at least comprises the private key of a public key capital construction, and described voucher provides the bar code transaction modules to read and use;
The bar code parsing module, described bar code parsing module shows the sequence information of two-dimensional bar code image in order to capture service formula end sale system, and transmits described sequence information to the bar code transaction modules;
The bar code transaction modules, the Send only Account that described bar code transaction modules receives sequence information that described bar code parsing module transmits and user's input is compiled in collaboration with and is made payment information, after carrying out stamped signature generation Transaction Information ciphertext with voucher again, described Transaction Information ciphertext and the mobile communication device identifying information that takes out from mobile communication device are sent to the bar code special office system of concluding the business in the lump and are concluded the business, and receive the conclude the business passback transaction results of special office system of described bar code;
Service formula end sale system, described service formula end sale system at least comprises a two-dimensional bar code generator, described two-dimensional bar code generator is after order data and service formula end sale system identifying information composition sequence information, convert two-dimensional bar code to and show and give the user, and receive and check from bar code and conclude the business after the transaction results message of special office system, be shown on service formula end sale system;
The bar code special office system of concluding the business, the described bar code special office system of concluding the business comprises voucher and the corresponding associated database of mobile communication device identifying information, conclude the business special office system of described bar code receives Transaction Information ciphertext and the mobile communication device identifying information transmitted from mobile communication device, after obtaining corresponding voucher by described mobile communication device identifying information, verify described Transaction Information ciphertext and take out payment information, pass on again after payment information to financial unit conclude the business and pay the bill, receive and pass on the payment result of described financial unit passback to the bar code transaction modules of described mobile communication device.
10. mobile communication device according to claim 9 carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, described bar code is concluded the business after special office system receives the payment result of financial unit passback, transmits in addition the service formula end sale system identifying information corresponding service formula end sale system of payment result to payment information.
11. mobile communication device according to claim 9 carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, described mobile communication device identifying information is the standby identification data of IMEI, IMSI, Mobile Directory Number or mobile communication device.
12. mobile communication device according to claim 9 carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, the producing method of described Transaction Information ciphertext, can use the financial unit golden key that core is sent out voluntarily that described payment information is encrypted to the payment information ciphertext, produce and form with the described payment information ciphertext of voucher stamped signature again, decipher and pass on after the payment information ciphertext when financial unit receives the bar code special office system of concluding the business, with its payment information of secret key decryption of the described mobile communication equipment of correspondence.
13. mobile communication device according to claim 9 carries out the system of financial instruments transaction in conjunction with two-dimensional bar code, it is characterized in that, the producing method of described Transaction Information ciphertext, can use financial unit to be set in advance the dynamic password generator of mobile communication device, after one group of disposal password of Dynamic Generation, with described disposal password, described payment information is encrypted to the payment information ciphertext, produce and form with the described payment information ciphertext of voucher stamped signature again, decipher and pass on after the payment information ciphertext when financial unit receives the bar code special office system of concluding the business, the dynamic password generator adopted with the described mobile communication device of correspondence and calculate described dynamic password after the deciphering its payment information.
14. according to claim 9, 10, 12 or 13 described mobile communication devices carry out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, bar code is concluded the business after special office system reception Transaction Information ciphertext and mobile communication device identifying information, can send the disposal password message to the mobile communication device of described mobile communication device identifying information appointment, and by described mobile communication device return described disposal password or with the scrambled message of disposal password to confirm the mobile communication device state, complete confirm after the described bar code special office system of concluding the business described payment information is sent to financial unit.
15. carry out the financial instruments transaction system according to claim 9,10,12 or 13 described mobile communication devices in conjunction with two-dimensional bar code, it is characterized in that, described payment information comprises the mobile communication device identifying information, the finance unit can send the disposal password message to the mobile communication device of described mobile communication device identifying information appointment after receiving described payment information, and return described disposal password or with the scrambled message of disposal password, to confirm carrying out again payment program after the mobile communication device state by described mobile communication device.
16. according to claim 9, 10, 12 or 13 described mobile communication devices carry out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, described financial unit stores the database of payment identifying information and mobile communication device identifying information corresponding relation, after the finance unit receives described payment information, can inquire the corresponding mobile communication device identifying information of payment identifying information of described payment information, send again the disposal password message to the mobile communication device of described mobile communication device identifying information appointment, and return described disposal password or with the scrambled message of disposal password by described mobile communication device, to confirm carrying out again payment program after the mobile communication device state.
17. a mobile communication device carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, comprising:
Mobile communication device, described mobile communication device comprises voucher, bar code parsing module and bar code transaction modules;
Voucher, described voucher at least comprises the private key of a public key capital construction, and described voucher provides the bar code transaction modules to read and use;
The bar code parsing module, described bar code parsing module is in order to capture hotel owner's information of two-dimensional bar code in hotel owner's licence plate, and transmits described hotel owner's information to the bar code transaction modules;
The bar code transaction modules, the Send only Account that described bar code transaction modules receives hotel owner's information that described bar code parsing module transmits and user's input is compiled in collaboration with and is made payment information, after with voucher, described consumption payment information being carried out to stamped signature generation Transaction Information ciphertext again, described Transaction Information ciphertext and the mobile communication device identifying information that takes out from mobile communication device are sent to the bar code special office system of concluding the business in the lump and are concluded the business, and receive the conclude the business passback transaction results of special office system of described bar code;
Censorship, described censorship is the mechanism that accepts hotel owner's registration, and wherein hotel owner's log-on data at least comprises described hotel owner's mobile communication device information and financial account information, and after the data audit, core is sent out one group of hotel owner's licence plate two-dimensional bar code;
Hotel owner's communication device, described hotel owner's communication device is registered in the mobile communication device of censorship for the hotel owner, in order to receive the conclude the business payment result notification message of special office system of bar code;
The bar code special office system of concluding the business, the described bar code special office system of concluding the business comprises voucher and the corresponding associated database of mobile communication device identifying information, after described system receives the Transaction Information ciphertext and mobile communication device identifying information transmitted from mobile communication device, after obtaining corresponding voucher by described mobile communication device identifying information, after verifying described Transaction Information ciphertext and taking out payment information, pass on again after payment information to financial unit conclude the business and pay the bill, receive and pass on the payment result of described financial unit passback to the bar code transaction modules of described mobile communication device, and simultaneously according to hotel owner's information of payment information and hotel owner's log-on data of censorship, payment result is notified in the lump to described hotel owner's communication device.
18. mobile communication device according to claim 17 carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, described mobile communication device identifying information is IMEI, IMSI, Mobile Directory Number or mobile communication device identification data.
19. mobile communication device according to claim 17 carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, the producing method of described Transaction Information ciphertext, can use the financial unit golden key that core is sent out voluntarily that described payment information is encrypted to the payment information ciphertext, produce and form with the described payment information ciphertext of voucher stamped signature again, decipher and pass on after the payment information ciphertext when financial unit receives the bar code special office system of concluding the business, with its payment information of secret key decryption of the described mobile communication equipment of correspondence.
20. mobile communication device according to claim 17 carries out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, the producing method of described Transaction Information ciphertext, can use financial unit to be set in advance the dynamic password generator of mobile communication device, after one group of disposal password of Dynamic Generation, with described disposal password, described payment information is encrypted to the payment information ciphertext, produce and form with the described payment information ciphertext of voucher stamped signature again, decipher and pass on after the payment information ciphertext when financial unit receives the bar code special office system of concluding the business, the dynamic password generator adopted with the described mobile communication device of correspondence and calculate described dynamic password after the deciphering its payment information.
21. according to claim 17, 19 or 20 described mobile communication devices carry out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, bar code is concluded the business after special office system reception Transaction Information ciphertext and mobile communication device identifying information, can send the disposal password message to the mobile communication device of described mobile communication device identifying information appointment, and by described mobile communication device return described disposal password or with the scrambled message of disposal password to confirm the mobile communication device state, complete confirm after the described bar code special office system of concluding the business described payment information is sent to financial unit.
22. carry out the financial instruments transaction system according to claim 17,19 or 20 described mobile communication devices in conjunction with two-dimensional bar code, it is characterized in that, described payment information comprises the mobile communication device identifying information, the finance unit can send the disposal password message to the mobile communication device of described mobile communication device identifying information appointment after receiving described payment information, and return described disposal password or with the scrambled message of disposal password, to confirm carrying out again payment program after the mobile communication device state by described mobile communication device.
23. according to claim 17, 19 or 20 described mobile communication devices carry out the financial instruments transaction system in conjunction with two-dimensional bar code, it is characterized in that, described financial unit can store the database of payment identifying information and mobile communication device identifying information corresponding relation, after the finance unit receives described payment information, can inquire the corresponding mobile communication device identifying information of payment identifying information of described payment information, send again the disposal password message to the mobile communication device of described mobile communication device identifying information appointment, and return described disposal password or with the scrambled message of disposal password by described mobile communication device, to confirm carrying out again payment program after the mobile communication device state.
24. a mobile communication device carries out the financial instruments method of commerce in conjunction with two-dimensional bar code, it is characterized in that, step comprises:
Step 1, user open the bar code transaction modules in mobile communication device, and after the PIN code of input document obtains voucher, the payment information that input comprises the payment identifying information again, with voucher, payment information is carried out to stamped signature by the bar code transaction modules and produce the Transaction Information ciphertext, then by the mobile communication device identifying information Dynamic Generation two-dimensional bar code in this ciphertext and described mobile communication device;
Step 2, service formula end sale system read out the two-dimensional bar code shown on the mobile communication device screen understand Transaction Information ciphertext and the mobile communication device identifying information of two-dimensional bar code internal memory record by two-dimensional barcode reader;
Step 3, service formula end sale system transfer to the bar code special office system operation of being concluded the business of concluding the business by described Transaction Information ciphertext and mobile communication device identifying information;
Step 4, bar code are concluded the business after special office system receives, and first with described mobile communication device identifying information, find the corresponding voucher of mobile communication device, verify described Transaction Information ciphertext, and take out payment information;
Step 5, the bar code special office system of concluding the business is sent to the payment of concluding the business of corresponding financial unit or electronic bill unit by payment information, and receives the transaction results of its passback, is sent to described service formula end sale system.
25. a mobile communication device carries out the financial instruments method of commerce in conjunction with two-dimensional bar code, it is characterized in that, step comprises:
Step 1, service formula end sale system convert two-dimensional bar code to and are shown on screen after order data and service formula end sale system identifying information are formed to sequence information;
Step 2, user open the bar code parsing module of mobile communication device, read the two-dimensional bar code shown on service formula end sale system screen, parse sequence information and are sent to the bar code transaction modules in mobile communication device;
After the PIN code of step 3, user's input document in the bar code transaction modules of mobile communication device obtains voucher, then input payment account;
Step 4, bar code transaction modules are compiled in collaboration with into payment information by the payment account of sequence information and user's input, and with voucher, payment information is carried out to stamped signature and produce the Transaction Information ciphertext, then the mobile communication device identifying information in this ciphertext and described mobile communication device is sent to the bar code special office system of concluding the business is in the lump concluded the business;
Step 5, bar code are concluded the business after special office system reception, obtain corresponding voucher by the mobile communication device identifying information, after verifying described Transaction Information ciphertext and taking out payment information, transfer to again the payment of concluding the business of financial unit, and receive the transaction results of its passback, be sent to bar code transaction modules and the described service formula end sale system of described mobile communication device.
26. a mobile communication device carries out the financial instruments method of commerce in conjunction with two-dimensional bar code, it is characterized in that, step comprises:
Step 1, user open the bar code of mobile communication device and analyse module, read hotel owner's information of two-dimensional bar code in the hotel owner, and open the bar code transaction modules in mobile communication device, after the PIN code of input document obtains voucher, and the input account information;
Step 2, bar code transaction modules are compiled in collaboration with into payment information by the payment account of hotel owner's information and user's input, and with voucher, payment information is carried out to stamped signature and produce the Transaction Information ciphertext, then the mobile communication device identifying information in this ciphertext and described mobile communication device is sent to the bar code special office system of concluding the business is in the lump concluded the business;
Step 3, bar code are concluded the business after special office system reception, obtain corresponding voucher by the mobile communication device identifying information, after verifying described Transaction Information ciphertext and taking out payment information, transfer to again the payment of concluding the business of financial unit, and receive the transaction results of its passback, be sent to the bar code transaction modules of described mobile communication device, simultaneously according to hotel owner's information of payment information and hotel owner's log-on data of censorship, payment result notified in the lump to described hotel owner's communication device.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW102116831 | 2013-05-13 | ||
| TW102116831A TWI490799B (en) | 2013-05-13 | 2013-05-13 | Mobile communication device and two - dimensional bar code for financial certificate trading system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103473677A true CN103473677A (en) | 2013-12-25 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2013104350813A Pending CN103473677A (en) | 2013-05-13 | 2013-09-22 | Financial certificate transaction system and method by combining action communication device with two-dimensional bar code |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN103473677A (en) |
| TW (1) | TWI490799B (en) |
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| CN105592456A (en) * | 2014-10-20 | 2016-05-18 | 中国电信股份有限公司 | Method and system for two-dimensional code authentication |
| CN109818735A (en) * | 2017-11-20 | 2019-05-28 | 财团法人工业技术研究院 | Key store and its method of commerce, transaction system and method for commerce |
| US11138586B1 (en) | 2020-03-23 | 2021-10-05 | Daxchain Limited | Digital asset exchange system and related methods |
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| CN105989483A (en) * | 2015-02-09 | 2016-10-05 | 阿里巴巴集团控股有限公司 | Service realizing method and device and payment method and device |
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Also Published As
| Publication number | Publication date |
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| TW201443799A (en) | 2014-11-16 |
| TWI490799B (en) | 2015-07-01 |
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