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1. CN112150151 - Safe payment method and device thereof, electronic equipment and storage medium

Office
China
Application Number 202011073558.4
Application Date 09.10.2020
Publication Number 112150151
Publication Date 29.12.2020
Publication Kind A
IPC
G06Q 20/38
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
G06Q 20/40
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
CPC
G06Q 20/382
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
G06Q 20/4014
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
401Transaction verification
4014Identity check for transactions
Applicants PING AN TECHNOLOGY (SHENZHEN) CO., LTD.
平安科技(深圳)有限公司
Inventors CHEN YOUYOU
陈优优
Agents 深圳市沃德知识产权代理事务所(普通合伙) 44347
深圳市沃德知识产权代理事务所(普通合伙) 44347
Title
(EN) Safe payment method and device thereof, electronic equipment and storage medium
(ZH) 安全支付方法、装置、电子设备及存储介质
Abstract
(EN) The invention relates to the technical field of security, and discloses a secure payment method, which comprises the following steps that: when a client performs transaction payment, firstly, a user payment identifier comprising an encrypted user unique identifier is sent to a server for authentication; the server authenticates and passes the user payment identifier according to pre-stored identity authentication information, encrypts the user payment identifier again at the server to generate a server payment identifier, generates a random keyboard code, and transmits the server payment identifier and the random keyboard code to the client; and after the client passes the authentication of the server payment identifier, a payment keyboard is generated according to the random keyboard codefor a user to input payment information. The invention further provides a safe payment device, electronic equipment and a storage medium. In addition, the invention also relates to a blockchain technology, and the identity authentication information can be stored in the blockchain. According to the invention, the payment security can be improved.
(ZH) 本发明涉及安全技术领域,揭露了一种安全支付方法,包括:客户端在进行交易支付时,首先将包括加密后的用户唯一标识的用户支付标识发送给服务端进行认证;服务端根据预先存储的身份认证信息对所述用户支付标识进行认证并通过之后,将所述用户支付标识在服务端再次进行加密生成服务端支付标识,并生成随机键盘码,将所述服务端支付标识以及成随机键盘码传输给客户端;所述客户端通过了所述服务端支付标识的认证之后,根据所述随机键盘码生成支付键盘,供用户输入支付信息。本发明还提出一种安全支付装置、电子设备以及存储介质。此外,本发明还涉及区块链技术,所述身份认证信息可存储于区块链中。本发明可以提高支付的安全性。
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