CN102789612A - Digital stamp payment verification system and method thereof - Google Patents
Digital stamp payment verification system and method thereof Download PDFInfo
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- CN102789612A CN102789612A CN201210245714XA CN201210245714A CN102789612A CN 102789612 A CN102789612 A CN 102789612A CN 201210245714X A CN201210245714X A CN 201210245714XA CN 201210245714 A CN201210245714 A CN 201210245714A CN 102789612 A CN102789612 A CN 102789612A
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- 238000012795 verification Methods 0.000 title claims abstract description 36
- 238000000034 method Methods 0.000 title claims abstract description 24
- 238000007789 sealing Methods 0.000 claims description 35
- 238000013500 data storage Methods 0.000 claims description 10
- 238000004891 communication Methods 0.000 claims description 6
- 238000004364 calculation method Methods 0.000 claims description 4
- 230000008878 coupling Effects 0.000 claims description 4
- 238000010168 coupling process Methods 0.000 claims description 4
- 238000005859 coupling reaction Methods 0.000 claims description 4
- 238000010586 diagram Methods 0.000 description 7
- 238000005516 engineering process Methods 0.000 description 5
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- 230000005540 biological transmission Effects 0.000 description 1
- 238000006243 chemical reaction Methods 0.000 description 1
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Abstract
The invention relates to a digital stamp payment verification system and method thereof. The system comprises a POS (Point Of Sale) terminal, an issue bank computer center, a payment cipherer and a two-dimension code printing and outputting device; and the method comprises a generation step (one) and a verification step (two). In the generation step (one), firstly, 5101), filling a bank paper according to a check issue requirement and transmitting the corresponding information data to the payment cipherer; 5102), calculating and generating a payment code by the payment cipherer and transmitting the payment code to the two-dimension code printing and outputting device; and 5103), printing a two-dimension code consistent with the payment code and the paper information on the bank paper by the two-dimension code printing and outputting device. In the verification step (two), firstly, 5201), acquiring and transmitting the payment code corresponding to a digital stamp and the information data corresponding to the used bank paper by the POS terminal; and 5202), receiving by the issue bank computer center the information data and the payment code, calculating the verification code, and judging whether the verification code is matched with the payment code or not, if so, then the verification is successful, otherwise, the verification fails.
Description
Technical field
The present invention relates to electronic technology and information processing security fields, be specifically related to a kind of digital sealing payment verification system and method thereof.
Background technology
Along with the development of bank electronicization, traditional bank bill verifying mode is because low, the poor stability of efficient has become the obstacle that restriction banking develops.Specifically, include, but are not limited to following defective:
1. the seal precision of duplicating is very high, and error rate is lower than 3/1000ths, considerably beyond the resolution characteristic of artificial naked eyes;
2. seal occurs with a kind of patterned mode, even adopt the electronic intelligence recognition technology, the accuracy of its discriminating is also uncontrollable;
3. bill is sent to paying bank from the gathering bank clearing that worked, and needs several days even longer time.Heavy bank clearing work makes that work efficiency is difficult to improve;
4. key element wide of the marks such as the amount of money on seal and the bill, account number, date, note number are only assert the legitimacy of bill with the authenticity of seal, to the robber fill out, the person stays opportunity to distort the bill.
Summary of the invention
The technical issues that need to address of the present invention are, how a kind of digital sealing payment verification system and method thereof are provided, and can support and improve greatly the safe in utilization and efficient of bank money.
First technical matters of the present invention solves like this: make up a kind of digital sealing payment verification system and method thereof, said digital sealing is the two-dimension code that is printed on the bank money, also comprises:
Point-of-sale terminal (POS terminal) is used to obtain and sends said bank money corresponding informance data and said digital sealing counterpart expenditure password;
The capable computer center that draws a bill is connected with said POS terminal called, receives said information data and payment cipher, the calculation check sign indicating number and with said payment cipher coupling;
Payment cipher, the payment cipher that is used to receive the bank money information data and calculates this bank money;
The two-dimension code print-out device is used for printout and said billing information and the consistent two-dimension code of payment cipher on corresponding bank money.
According to digital sealing payment verification provided by the invention system, said POS terminal comprises the two-dimension code scan module and the communication module of main control module and electrical connection thereof.
According to digital sealing payment verification provided by the invention system, said payment cipher is that integrated circuit (IC) card of built-in encryption algorithm maybe can plug key (USB key).
According to digital sealing payment verification provided by the invention system, this system also comprises computing machine, mobile phone or the panel computer etc. of the operation payment software that is connected with said payment cipher communication.
Another technical matters of the present invention solves like this: make up a kind of digital sealing payment verification method, comprise that (one) digital sealing generates step:
5101) signing and issuing requirement by check fills in bank money and sends the corresponding informance data to payment cipher;
5102) payment cipher calculates the generation payment cipher and sends the two-dimension code print-out device to;
5103) the two-dimension code print-out device is printed on said bank money and said billing information and the consistent two-dimension code of payment cipher;
Also comprise (two) digital sealing verification step:
5201) the POS terminal obtains and sends and is used bank money corresponding informance data and digital sealing counterpart expenditure password on it;
5202) the capable computer center that draws a bill receives said information data and payment cipher, does the calculation check sign indicating number judge whether and said payment cipher coupling? Be that checking is passed through, otherwise failure.
According to digital sealing payment verification method provided by the invention, said step 5101) through with said computing machine, mobile phone or panel computer that the payment cipher communication connects on the corresponding application software moved accomplish.
According to digital sealing payment verification method provided by the invention; Step 5102) transmit in and comprise: payment cipher sends payment cipher to said computing machine, mobile phone or panel computer, generates the PRN device that two-dimension code sends to its connection by said computing machine, mobile phone or panel computer again.
According to digital sealing payment verification method provided by the invention, said payment cipher is the IC-card or the USB key of built-in encryption algorithm, said step 5102) fall into a trap and accomplish through CPU among IC-card or the USB key at last.
According to digital sealing payment verification method provided by the invention, it is QR two-dimension code, Maxicode two-dimension code or PDF417 two-dimension code that said two-dimension code includes, but are not limited to.
According to digital sealing payment verification method provided by the invention, said step 5201) comprise bar code scan.
According to digital sealing payment verification method provided by the invention, step 5101) also comprise send said corresponding informance data to data storage card, step 5201) be to obtain said corresponding informance data through reading said data storage card.
Digital sealing payment verification system provided by the invention and method thereof; Utilize many high-tech means such as modern computer network technologies, digital watermark technology, cryptography principle; Overcome traditional bill and identified all drawbacks of mode; The traffic handing capacity that has greatly improved bank calculates the embedded device mode of breaking away from the realization payment cipher; And can realize that password guarantees authenticity, uniqueness, the non repudiation of encrypted message at bill through Network Transmission, payment and settlement, efficiently solve anti-the attack and anti-tamper safety requirements simultaneously.
Description of drawings
Further the present invention is elaborated below in conjunction with accompanying drawing and specific embodiment:
Fig. 1 is the system architecture synoptic diagram of the preferred specific embodiment of the present invention;
Fig. 2 uses synoptic diagram for user side in the preferred specific embodiment of the present invention connects;
Fig. 3 is the hardware block diagram of USB Key in the preferred specific embodiment of the present invention;
Fig. 4 is the functional block diagram of CPU among Fig. 3;
Fig. 5 is for adopting the face of the value synoptic diagram of QR two-dimension code;
Fig. 6 is for adopting the face of the value synoptic diagram of Maxicode two-dimension code;
Fig. 7 is for adopting the face of the value synoptic diagram of PDF417 two-dimension code.
Embodiment
At first, explain that the present invention is crucial:
(1) payment cipher
A kind of e_payment cipher with smart card or USB key pattern; The carrier that adopts contact or non-contact IC card or USB key to load as payment cipher; Close SSX10 algorithm of state and digital watermarking algorithm are loaded among the CPU of IC-card or USB key, when needing to calculate payment cipher, IC-card are inserted general IC-card read write line; Cooperate the application software of PC end (mobile phone, portable terminal etc.), can calculate payment cipher.Make that like this designs simplification, the security of payment cipher are higher, the LCD that has saved the conventional cipher device shows module, energy supply control module, Keysheet module, uses lower, and easy to carry.
(2) based on the operation flow of payment cipher:
1) client applies for using payment cipher
Application according to the client; After bank of deposit's audit; Carry out initialization for client's payment cipher to providing; The publicly-owned parameter such as the call parameters of AES parameter, scrambler program decruption key, scrambler being floated by the check card of bank of deposit's payment cipher collator and the number of the account of opening an account are arranged in the scrambler and produce the bank account key injects payment cipher, and the client reserves the check card that key send the payment cipher collator on also in payment cipher.
In this process, the system of traditional bank need not change, only needs the card reader or the usb terminal equipment that connect through teller terminal, IC-card or USB key scrambler is carried out corresponding operating can accomplish.
2) client signs and issues honour the bill of exchange
When the client signs and issues honour the bill of exchange,, calculate the payment cipher of this bill, payment cipher is filled in the ad-hoc location of honour the bill of exchange by payment cipher with all key elements input payment cipher of bill.
In this process, the user is connected to equipment such as PC, mobile phone, portable terminal according to different operating positions with IC-card or USB key payment cipher, cooperates corresponding application software, can accomplish issue of bill.
3) authentication of payment cipher
After receiving bank accepted this honour the bill of exchange, with all key elements and the payment cipher input computing machine of bill, computing machine delivered all input key elements to bank of deposit's bill collator of this honour the bill of exchange, carries out the true/false verifying of bill, and the veritification result of surrender of bills.
This process, the user also can directly submit to bank cashier to read in the information of signing and issuing data storage card, for the billing information typing provides quick Solution.Data storage card includes, but are not limited to contact data storage card, non-contact data storage card, mobile phone card and safe digital card (SD storage card).
The second, in conjunction with the preferred specific embodiment of the present invention the present invention is detailed and specifically realizes:
(1) system architecture
As shown in Figure 1, this system is based on POS terminal, teller terminal and banking computer center, and wherein the also extra connection payment verification in banking computer center server comprises: 1, by specifying teller terminal to provide payment cipher; 2, use the check of band payment cipher on POS terminal or the teller terminal.
(2) user side uses
As shown in Figure 2, the user is connected to equipment such as PC, mobile phone, portable terminal according to different operating positions with IC-card or USB key payment cipher, cooperates corresponding application software, can accomplish issue of bill.
(3) USB key payment cipher
Shown in Fig. 3 and 4; The carrier that adopts USB key to load as payment cipher; Close " SSX10 " algorithm of state and digital watermarking algorithm are loaded among the CPU of IC-card or USB key, when needing to calculate payment cipher, USB key are inserted general USB interface; Cooperate the application software of PC end, can calculate payment cipher.Designs simplification, the security of this payment cipher are higher, and the liquid crystal (LCD) that has saved the conventional cipher device shows module, energy supply control module, Keysheet module, use lower, and easy to carry.
(4) two-dimension code
Like Fig. 5, shown in 6 and 7, the corresponding two-dimension code of position, the positive lower right corner of bank money, wherein: the corresponding two-dimension code of Fig. 5 is rapid reaction (QR) two-dimension code, and the corresponding two-dimension code of Fig. 6 is the Maxicode two-dimension code, and the corresponding two-dimension code of Fig. 7 is the PDF417 two-dimension code.
At last, the above is merely preferred embodiment of the present invention, and all equalizations of being done according to claim scope of the present invention change and modify, and all should belong to the covering scope of claim of the present invention.
Claims (10)
1. digital sealing payment verification system is characterized in that said digital sealing is the two-dimension code that is printed on the bank money, also comprises:
The POS terminal is used to obtain and sends said bank money corresponding informance data and said digital sealing counterpart expenditure password;
The capable computer center that draws a bill is connected with said POS terminal called, receives said information data and payment cipher, the calculation check sign indicating number and with said payment cipher coupling;
Payment cipher, the payment cipher that is used to receive the bank money information data and calculates this bank money;
The two-dimension code print-out device is used for printout and said billing information and the consistent two-dimension code of payment cipher on corresponding bank money.
2. according to the said digital sealing payment verification of claim 1 system; It is characterized in that; Said payment cipher is the IC-card or the USB key of built-in encryption algorithm, and this system also comprises computing machine, mobile phone or the panel computer of the operation payment software that is connected with said payment cipher communication.
3. according to the said digital sealing payment verification of claim 1 system, it is characterized in that said POS terminal comprises the two-dimension code scan module and the communication module of main control module and electrical connection thereof.
4. according to claim 1 or 3 said digital sealing payment verification systems, it is characterized in that, also comprise the data storage card that is used to store said bank money corresponding informance data; Said POS terminal comprises the data storage card read module.
5. a digital sealing payment verification method is characterized in that, comprises that digital sealing generates step:
5101) signing and issuing requirement by check fills in bank money and sends the corresponding informance data to payment cipher;
5102) payment cipher calculates the generation payment cipher and sends the two-dimension code print-out device to;
5103) the two-dimension code print-out device is printed on said bank money and said billing information and the consistent two-dimension code of payment cipher;
Also comprise the digital sealing verification step:
5201) the POS terminal obtains and sends and is used bank money corresponding informance data and digital sealing counterpart expenditure password on it;
5202) the capable computer center that draws a bill receives said information data and payment cipher, does the calculation check sign indicating number judge whether and said payment cipher coupling? Be that checking is passed through, otherwise failure.
6. according to the said digital sealing payment verification of claim 5 method, it is characterized in that said step 5101) through with said computing machine, mobile phone or panel computer that the payment cipher communication connects on the corresponding application software moved accomplish.
7. according to the said digital sealing payment verification of claim 6 method; It is characterized in that; Step 5102) transmit in and comprise: payment cipher sends payment cipher to said computing machine, mobile phone or panel computer, generates the PRN device that two-dimension code sends to its connection by said computing machine, mobile phone or panel computer again.
8. according to the said digital sealing payment verification of claim 5 method, it is characterized in that said payment cipher is the IC-card or the USB key of built-in encryption algorithm, said step 5102) fall into a trap and accomplish through CPU among IC-card or the USB key at last.
9. according to the said digital sealing payment verification of claim 5 method, it is characterized in that said two-dimension code is QR two-dimension code, Maxicode two-dimension code or PDF417 two-dimension code, said step 5201) comprise bar code scan.
10. according to each said digital sealing payment verification method of claim 5-9; It is characterized in that; Step 5101) also comprise send said corresponding informance data to data storage card, step 5201) be to obtain said corresponding informance data through reading said data storage card.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210245714XA CN102789612A (en) | 2012-07-16 | 2012-07-16 | Digital stamp payment verification system and method thereof |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201210245714XA CN102789612A (en) | 2012-07-16 | 2012-07-16 | Digital stamp payment verification system and method thereof |
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Cited By (8)
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| CN103198558A (en) * | 2013-02-06 | 2013-07-10 | 深圳宝嘉电子设备有限公司 | Bank counter intelligent processing terminal |
| CN104134139A (en) * | 2013-05-03 | 2014-11-05 | 中国银联股份有限公司 | Method for encryption protection of financial information |
| CN106100850A (en) * | 2016-06-17 | 2016-11-09 | 公安部第三研究所 | Intelligent and safe chip signing messages transmission method based on Quick Response Code and system |
| CN107862524A (en) * | 2017-12-12 | 2018-03-30 | 江苏国光信息产业股份有限公司 | A kind of encryption device and its implementation for quickly generating and transmitting payment cipher |
| CN111052164A (en) * | 2017-08-30 | 2020-04-21 | 乐天株式会社 | Settlement system, settlement method, and program |
| CN111986409A (en) * | 2020-08-21 | 2020-11-24 | 深圳前海澔勉离网电器有限公司 | Off-network solar payment system based on RFID and implementation method thereof |
| CN112418831A (en) * | 2013-11-15 | 2021-02-26 | 派奈特支付网络有限责任公司 | Computer system, system and method for processing transaction requests |
| US11983708B2 (en) | 2012-03-19 | 2024-05-14 | Fidelity Information Services, Llc | Systems and methods for real-time account access |
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Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
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| US11983708B2 (en) | 2012-03-19 | 2024-05-14 | Fidelity Information Services, Llc | Systems and methods for real-time account access |
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| CN103198558A (en) * | 2013-02-06 | 2013-07-10 | 深圳宝嘉电子设备有限公司 | Bank counter intelligent processing terminal |
| CN103198558B (en) * | 2013-02-06 | 2014-12-10 | 深圳宝嘉电子设备有限公司 | Bank counter intelligent processing terminal |
| CN104134139A (en) * | 2013-05-03 | 2014-11-05 | 中国银联股份有限公司 | Method for encryption protection of financial information |
| CN112418831A (en) * | 2013-11-15 | 2021-02-26 | 派奈特支付网络有限责任公司 | Computer system, system and method for processing transaction requests |
| CN106100850A (en) * | 2016-06-17 | 2016-11-09 | 公安部第三研究所 | Intelligent and safe chip signing messages transmission method based on Quick Response Code and system |
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| CN111052164A (en) * | 2017-08-30 | 2020-04-21 | 乐天株式会社 | Settlement system, settlement method, and program |
| CN111052164B (en) * | 2017-08-30 | 2023-09-15 | 乐天集团股份有限公司 | Settlement system, settlement method, and program |
| CN107862524A (en) * | 2017-12-12 | 2018-03-30 | 江苏国光信息产业股份有限公司 | A kind of encryption device and its implementation for quickly generating and transmitting payment cipher |
| CN111986409A (en) * | 2020-08-21 | 2020-11-24 | 深圳前海澔勉离网电器有限公司 | Off-network solar payment system based on RFID and implementation method thereof |
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Application publication date: 20121121 |