CN108564367A - A kind of encrypted algorithm of payment - Google Patents

Abstract

A kind of encrypted algorithm of payment, including payment terminals, verifying end and service for checking credentials end, user upload image file as cipher key carrier to payment terminals and service for checking credentials end；The cryptographic Hash of image file is taken to be inserted into encipheror, as one section of code of encipheror, dynamic digital is generated by code at random according to time seed, then converted program changes into planar pixel, key pixel is generated in cipher key carrier file pixel coverage and is superimposed in cipher key carrier；When user pays, service for checking credentials end reads payment terminals by verifying end and shows content, obtains payment result of whether letting pass.Cipher key carrier of the present invention can customize, and have stronger flexibility；Payment terminals in verification need not networking or upload and under pass any information, key pixel is obtained in the content that the verified end in service for checking credentials end is obtained from payment terminals, realizes that payment is let pass after verified, there is extremely strong safety；Payment terminals volume can be made very small, and stand-by time is long, have splendid convenience.

Description

An Algorithm for Payment Encryption

technical field

The invention relates to an algorithm, in particular to a payment encryption algorithm, and belongs to the technical fields of IPC classification G06 and G09.

Background technique

The payment system is composed of an intermediary agency that provides payment and settlement services and professional technical means to realize payment instruction transmission and fund settlement. It is a financial arrangement to realize creditor's rights and debts settlement and fund transfer. It is sometimes called a settlement system.

At present, when making payment, the payment carriers of the payment system include magnetic stripe cards and mobile devices (including scanning barcodes, QR codes and NFC near-field payment). Magnetic stripe cards have the potential to be duplicated so are now being upgraded to chip cards. The QR code may be stolen when scanning the code, so the mobile device tends to provide a dynamically changing bar code or QR code to be scanned, which is safer. The use of near-field payment is a little more troublesome than scanning codes, and the scope of promotion is limited.

In addition, bank cards are required for card swiping, and mobile devices are required for scanning codes and near-field payments. For young people who advocate light travel today, it is more convenient to carry mobile devices, but mobile devices are limited by batteries and networks. So at present, there is still no more convenient payment carrier, a system or method that can operate independently of the network and has security to achieve real convenience.

Contents of the invention

The purpose of the present invention is to solve the above-mentioned problems and provide a payment encryption algorithm, which can run independently of the network, and also has security and convenience of choosing a carrier.

The technical scheme of the problem to be solved by the present invention is as follows:

An algorithm for payment encryption, characterized in that:

Including the payment terminal, the verification terminal and the verification server, the user regularly or irregularly uploads an image file with the same attributes to the payment terminal and the verification server as the key carrier;

Take the hash value of the image file and insert it into the encryption program of the payment terminal and verification server, as a piece of code when the encryption program is running, and randomly generate dynamic numbers through the entire code according to the time seed, and convert the dynamic numbers into plane two through the conversion program Dimensional pixels, based on the range of the pixel size of the key carrier file, the key pixels are generated within the range and superimposed on the key carrier;

When the user pays, the verification server reads the key carrier displayed on the payment side through the verification end to display the superimposed key pixels, and compares the pixel positions of the key pixels to obtain the result of whether the payment is allowed.

When the dynamic numbers are converted into flat two-dimensional pixels by the conversion program, the conversion program reads part of the hash value of the image file according to the time seed as a piece of code for the conversion program.

When the conversion program converts dynamic numbers into plane two-dimensional pixels, the pixel size range of the key carrier file based on it is the part of the image file where the pixel color is light or blank.

When the conversion program converts the dynamic number into a plane two-dimensional pixel point, the generated plane two-dimensional pixel point has a different color from the area specified by the pixel point of the key carrier.

The beneficial effects of the present invention are as follows:

The key carrier can be customized and has strong flexibility; the payment terminal does not need to connect to the Internet or upload or download any information during verification, and the verification server obtains key pixels from the content obtained by the payment terminal after verification. Finally, the payment release is realized, which has strong security; the payment terminal can be made small in size, has a long standby time, and has excellent convenience.

Description of drawings:

Fig. 1 is a schematic diagram of a frame structure of the present invention;

Fig. 2 is a schematic diagram of the process from the image file to the key pixel according to the present invention.

Detailed ways:

The present invention will be described in further detail below in conjunction with the accompanying drawings.

Referring to Figure 1 and Figure 2, a payment encryption algorithm includes a payment terminal 1, a verification terminal 2 and a verification server 3, and a user 4 regularly or irregularly uploads an image file 5 with the same attributes to the payment terminal and the verification server as key carrier 6;

Take the hash value of the image file 5 and insert it into the encryption program of the payment terminal 1 and the verification server 3, as a piece of code when the encryption program is running, and randomly generate a dynamic number 8 through the entire code according to the time seed, and the dynamic number 8 is passed through The conversion program converts it into a plane two-dimensional pixel point, based on the range of the pixel size of the key carrier file, generates the key pixel point 7 within the range and superimposes it on the key carrier;

When the user 4 pays, the verification server 3 reads the key carrier displayed on the payment terminal 1 through the verification terminal 2 and displays the superimposed key pixel point 7, and obtains the result of whether the payment is released or not by comparing the pixel position of the key pixel point.

When the present invention is in use, the time seed is based on the date of the day, so that the dynamic number 8 generated by the payment terminal 1 and the verification server 3 can maintain consistency. That is to say, the period of dynamic change of the key pixel is 1 day. For security reasons, a limit can also be set for each payment and a limit for the total daily payment, so that even if the payment terminal 1 is lost or stolen, the loss can still be minimized.

When the hash value is inserted into the encryption program of the payment terminal 1 and the verification server 3, a part of the digital string of the hash value can be selected to be extracted. The selection of this part of the digital string can be based on the time unit uploaded by the image file 5, taking hours as the time The seed picks the number of bits in the hash value. Therefore, when the image file 5 is uploaded to the payment terminal 1 and the verification server 3, it needs to be kept within the same time in unit of time.

Based on the improvement of the embodiment, when the dynamic number 8 is converted into a plane two-dimensional pixel by the conversion program, the conversion program reads part of the hash value of the image file according to the time seed as a piece of code of the conversion program.

Further, based on the improvement of the embodiment, when the conversion program converts the dynamic number 8 into a plane two-dimensional pixel, the range of the pixel size of the key carrier file based on it is the part of the image file where the pixel color is light or blank.

In this way, it can be ruled out that one or some positions of the converted plane two-dimensional pixel points are superimposed on the darker pixel points of the image file 5, causing problems in recognition.

In addition, based on the improvement of the embodiment, when the conversion program converts the dynamic number into a plane two-dimensional pixel point, the generated plane two-dimensional pixel point is different from the color of the area designated by the pixel point of the key carrier.

Claims (4)

1. An algorithm for payment encryption, characterized in that: Including the payment terminal, the verification terminal and the verification server, the user regularly or irregularly uploads an image file with the same attributes to the payment terminal and the verification server as the key carrier; Take the hash value of the image file and insert it into the encryption program of the payment terminal and verification server, as a piece of code when the encryption program is running, and randomly generate dynamic numbers through the entire code according to the time seed, and convert the dynamic numbers into plane two through the conversion program Dimensional pixels, based on the range of the pixel size of the key carrier file, the key pixels are generated within the range and superimposed on the key carrier; When the user pays, the verification server reads the key carrier displayed on the payment side through the verification end to display the superimposed key pixels, and compares the pixel positions of the key pixels to obtain the result of whether the payment is allowed. 2. A kind of payment encryption algorithm according to claim 1, characterized in that: when the dynamic number is converted into a plane two-dimensional pixel point by the conversion program, the conversion program reads the partial value of the hash value of the image file according to the time seed A piece of code as a conversion program. 3. A kind of payment encryption algorithm according to claim 1, characterized in that: when the conversion program converts dynamic numbers into plane two-dimensional pixels, the range of the pixel size of the key carrier file based on the image file is A part of the area where the dot color is lighter or blank. 4. A kind of payment encryption algorithm according to claim 1, characterized in that: when the conversion program converts dynamic numbers into plane two-dimensional pixels, the generated plane two-dimensional pixels are specified and key carrier Areas of pixels are colored differently.