CN106910067A - Band hides the light certification offline electronic payment device of message - Google Patents

Abstract

The invention discloses an optical authentication off-line payment device with hidden messages. The device includes an electronic wallet, a consumer machine and a server; the electronic wallet includes a visible light emitting module, a barcode scanning module, a control module, a wallet module, an input module, a display module, a data interface, and a wallet light receiving module; the consumer machine includes a visible light receiving module, a barcode Display module, read-write control module, cash register module, keyboard module, communication module, backlight module; use the visible light signal transceiver of the device, barcode display and scanning equipment to form a communication channel, and use the lighting backlight structure of the display device for barcode and other prompt information A hidden channel for information transmission provides no less than a payment device initiated by a consumer machine or an electronic wallet. The payment process uses mutual authentication of visible light signals and barcode scanning recognition, and uses hidden channels to transmit hidden information, allowing offline payments The process is more secure and reliable.

Description

Light-authenticated offline payment device with hidden messages

technical field

The invention belongs to the technical field of optical payment, in particular to an optical authentication offline payment device with hidden messages.

Background technique

Visible Light Communication (VLC for short) technology. VLC technology utilizes the feature that LEDs can emit high-frequency flickering lights that cannot be perceived by the human eye. At the data sending end, the high-frequency flickering of the LED is used to carry the signal, and at the receiving end, the photosensitive element with the same fast response time is used. A method of collecting signals to realize wireless communication.

The traditional means of non-cash transactions are all online transactions, and the original magnetic card system is a typical online transaction system. Offline payment is a means of transaction payment when the network, GPRS, 3G, 4G and other communications are interrupted. RFID and NFC are currently more common offline payment methods.

"Scanning code" is a very popular way to obtain information nowadays, and "scanning code payment" is an online payment method developed on the basis of "scanning code" technology and WeChat, Alipay and other technologies. However, the payment method that belongs to "scan code payment" is still an online payment method that cannot be separated from the network. This method still cannot solve the problem of unable to pay due to network communication interruption like offline payment.

The "code" of "scanning code" is usually a dynamically variable "code" that needs to be displayed on the display screen. The current LCD screen and LED screen need to provide backlighting, and the lighting backlight is a visible light communication a good carrier. Lighting backlight is an information carrier that is easily overlooked. Using lighting backlight as a hidden signal transmission carrier in the field of optical payment can provide a hidden channel and improve the security of the payment link.

Inspired by the above technical methods, the present invention utilizes a camera, a flashlight, and an ambient light perception sensor module, which are almost the standard configurations of modern smart phones and tablet computers, to jointly construct a safe and concealed offline payment device , so that people can easily shop and consume as long as they bring their mobile phones and tablets.

Contents of the invention

The purpose of the present invention is to provide an optical authentication offline payment device with hidden messages.

The present invention is realized in the following way: an optical authentication off-line payment device with concealed messages includes: an electronic wallet, a consumption machine and a server.

Electronic wallet, including: visible light emitting module, barcode scanning module, control module, wallet module, input module, display module, data interface and wallet light receiving module; visible light emitting module is used to generate and send visible light according to the information input by the control module signal; the barcode scanning module is used to scan and identify the barcode, and output the recognition result to the control module; the control module is used to: 1. process the information to be sent, generate a data packet, and output it to the visible light emission module to drive The visible light emitting module sends visible light signals; 2. Receive the scanning result output of the barcode scanning module, and verify the scanning result; 3. Receive the result output of the light receiving module of the wallet, and identify and authenticate it; 4. According to the received information and The generated payment information generates information that needs to pass through the visible light emission module; 5. Perform consumption, recharge, balance inquiry, and operation log information reading and writing operations with the wallet module; 6. Can perform data interaction with the server through the data interface; the wallet module, It is used to save information including: user account information, wallet balance, consumption authority, query password, payment password, operation log, production and issuing organization; and can verify whether the entered password is consistent with the password stored in the wallet password module; input Module, used to input information including payment amount, query password, payment password, and operation instructions to the control module; display module, used to display payment amount, password input interface, operation instructions and prompt information; data interface, used to provide The networking function of the electronic wallet provides the function of connecting with the server and performing data exchange, data maintenance and upgrading; the wallet optical receiving module is used to receive the visible light backlight signal sent by the backlight module.

Consumer machine, including: visible light receiving module, barcode display module, read-write control module, cash register module, keyboard module, communication module and backlight module; visible light receiving module is used to receive visible light signals, and process and restore them into corresponding digital signals, Restored into a data packet; the barcode display module is used to: 1. Generate and display a barcode according to the input information of the read-write control module; 2. Display the transaction amount, password input interface, operation instructions and prompt information; the read-write control module, Used to: 1. Receive the output of the visible light receiving module, and identify and authenticate it; 2. Process the information to be sent and output it to the barcode display module; 3. Process the information that needs to be sent in the form of optical signals to generate data package, and output it to the backlight module, which drives the backlight module to send visible light signals; 4. Perform consumption, recharge, balance inquiry, and operation log information reading and writing operations with the cash register module; 5. Provide a data interface to communicate with the server through the communication module Upload and download; cash register module, used to save information including: operation log, payment collection and consumption authority, blacklist, cash register balance, operation password, validity period, production and issuing organization; keyboard module, used to read and write control The module enters the transaction amount, transaction password, and operation instructions; the communication module is used to connect to the host computer or access the network through wired or wireless methods, so as to connect to the server; the backlight module is used to provide lighting backlight for the barcode display module , while using the backlight to send visible light backlight signals.

The control module is electrically connected to the visible light emitting module, barcode scanning module, wallet module, input module, display module, data interface, and wallet optical receiving module; the read-write control module is respectively connected to the visible light receiving module, barcode display module, cash register module, keyboard The module, the communication module and the backlight module are electrically connected.

The server is used to: 1. Establish an upload and download data connection with the consumer machine through the communication module; 2. Establish an upload and download data connection with the electronic wallet through the data interface; 3. Provide background service support for this offline payment method; 4. . Provide an interface between the entire offline payment device and the financial system for capital flow; 5. Issue or cancel authorization for consumer machines and electronic wallets, including: key update, algorithm update and upgrade, use authority adjustment, validity period adjustment, and electronic wallet recharge , Services including consumer machine payment, e-wallet and consumer machine public information query; 6. Save information including: authorized user list, blacklist, operation log summary, and consumer machine list.

The authorized user list is used to save: the identity of the e-wallet that has been authorized to make offline payments, the use authority, the validity period, and the identity information of the e-wallet holder; the blacklist is used to save the list of authorized users. , loss reporting, and the identity information of the part of the e-wallet that has been rejected for payment transactions due to improper use records; the payment interface is used to provide the interface between the entire offline payment device and the financial system; the operation log summary is used to save information including: Information on all consumption machines, e-wallet queries, recharge, consumption operation time, payment amount, and payment process data parameters; consumption machine list, used to save including: the identity of the consumption machine that has been authorized to conduct offline payment transactions , use authority, period of validity, identity information of the owner of the consumer machine; the server is used to issue authority to the equipment including the modules and functions of the above consumer machine, so that it has the function of accepting the electronic wallet in the device for payment; the server is used to Authorization is issued to the equipment including the modules and functions of the above-mentioned electronic wallet, so that it has the function of paying to the consumer machine in the device; at the same time, the server issues an authorization to the user. The authorization method is to issue an authorized physical hardware device, or for The user who has the device provides an authorization number; and recharges the device, writes the e-wallet identity, usage authority, validity period, payment password and query password of the e-wallet, and identity information of the e-wallet holder.

In the payment process, receiving the data sent by the consumer machine from the electronic wallet and receiving the data sent by the electronic wallet from the consumer machine may be unrecognizable during the sending and receiving process, so in the payment process, for unidentifiable data, And if it cannot be recognized due to the inability to receive data, the device will unilaterally end the payment process after a set waiting time expires.

In the payment process, the data sent from the electronic wallet to the consumer machine, and the data sent from the consumer machine to the electronic wallet may have the risk of data loss, tampering, and forgery during the sending and receiving process. Therefore, in the payment process, the Every time the key data is received, it is assumed that the currently received data is different from the data generated or received in the previous steps of the payment process, and it needs to be compared and verified, so as to ensure the authenticity and integrity of the sent and received data.

The present invention is based on the combination of visible light communication technology and barcode scanning recognition technology, and uses the lighting backlight of the display device of barcode and other prompt information to construct a hidden channel, introduces the message digest algorithm technology, and uses the hidden channel to transmit Message summary, thereby further improving the integrity of the payment transmission data and the security of the payment process, thereby proposing a light-authenticated offline payment device with hidden messages. This invention uses the most popular smart phones and tablet computers as electronic wallets The carrier, using its camera, flashlight, ambient light sensing device and other common configurations as a communication tool, realizes an offline payment, which solves the disadvantage that online payment cannot be separated from the network.

Description of drawings

Fig. 1 is a structural schematic diagram of the present invention.

Fig. 2 is a structural diagram of the device in the embodiment of the present invention.

Marks in the figure: 1-electronic wallet; 2-consumer machine; 3-server; 11-control module; 12-input module; 13-display module; 14-data interface; 15-barcode scanning module; 16-wallet module; 17 -visible light emitting module; 18-wallet light receiving module; 21-reading and writing control module; 22-barcode display module; 23-cash box module; 24-visible light receiving module; 25-keyboard module; module.

detailed description

Example:

An optically authenticated offline payment device with hidden messages, comprising: an electronic wallet 1 , a consumer machine 2 , and a server 3 .

The electronic wallet 1 includes: a visible light emitting module 17 , a barcode scanning module 15 , a control module 11 , a wallet module 16 , an input module 12 , a display module 13 , a data interface 14 , and a wallet light receiving module 18 .

The visible light emitting module 17 is configured to generate and send a visible light signal according to the information input by the control module 11 .

The barcode scanning module 15 is used to scan and identify the barcode, and output the identification result to the control module 11 .

The control module 11 is used to: 1. Process the information to be sent, generate a data packet, and output it to the visible light emitting module 17, and drive the visible light emitting module 17 to send a visible light signal; 2. Receive the output of the scanning result of the barcode scanning module 15, And verify the scanning results; 3. Perform consumption, recharge, balance inquiry, and operation log information reading and writing operations with the wallet module 16; 4. According to the received information and generated payment information, the generation needs to be sent through the visible light emission module 17 5. Be able to perform data interaction with the server 3 through the data interface 14; 6. Receive the result output of the light receiving module 18 of the wallet, and identify and authenticate it.

Wallet module 16 is used to preserve information including: user account information, wallet balance, consumption authority, query password, payment password, operation log, production and distribution organization; The passwords are the same; the module is realized by the SIM card of the mobile phone.

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

The display module 13 is used to display payment amount, password input interface, operation instructions and prompt information.

The data interface 14 is used to provide the networking function of the electronic wallet 1, provide the function of connecting with the server 3, and performing data exchange, data maintenance and upgrading.

The wallet light receiving module 18 is configured to receive the visible light backlight signal sent by the backlight module 26 .

The electronic wallet 1 is implemented by a smart phone equipped with a flashlight, a photoelectric sensing device and a camera.

The wallet module 16 is implemented using a mobile phone sim card.

The consumer machine 2 includes: a visible light receiving module 24 , a read-write control module 21 , a cash register module 23 , a keyboard module 25 , a barcode display module 22 , a communication module 27 , and a backlight module 26 .

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

The barcode display module 22 is used for: 1. generating and displaying a barcode according to the input information of the read-write control module 21; 2. displaying the transaction amount, password input interface, operation instructions and prompt information.

The read-write control module 21 is used to: 1. receive the output of the visible light receiving module 24 and authenticate it; 2. process the information to be sent and output it to the barcode display module 22; 3. consume with the cash register module 23; Recharge, balance inquiry, read and write operations of operation log information; 4. Provide a communication interface to upload and download information with the server 3 through the communication module 27; 5. Process the information that needs to be sent in the form of optical signals to generate data packets , and output to the backlight module 26 to drive the backlight module 26 to send visible light signals.

The cash register module 23 is used to save information including: operation log, payment collection and consumption authority, blacklist, cash register balance, operation password, validity period, and production and issuing institution.

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

The communication module 27 is used to connect to the host computer or access the network in a wired or wireless manner, so as to be connected to the server.

The backlight module 26 is used for providing illumination backlight for the barcode display module 22 and sending visible light backlight signals by using the backlight.

The control module 11 is electrically connected with the visible light emitting module 17, the barcode scanning module 15, the wallet module 16, the input module 12, the display module 13, the data interface 14, and the wallet light receiving module 18 respectively; , the cash register module 23, the keyboard module 25, the barcode display module 22, the communication module 27, and the backlight module 26 are electrically connected.

The server 3 is used for: 1. establishing a data connection for uploading and downloading with the consumer machine 2 through the communication module 27; 2. establishing a data connection for uploading and downloading with the electronic wallet 1 through the data interface 14; 3. providing this offline payment method Background service support; 4. Provide the interface between the entire offline payment device and the capital flow of the financial system; 5. Issue or cancel authorization for the consumer machine 2 and electronic wallet 1, and provide: key update, algorithm update and upgrade, use Services including authority adjustment, validity period adjustment, e-wallet recharge, consumer machine payment, e-wallet and consumer machine public information query; 6. Save information including: authorized user list, blacklist, operation log, and consumer machine list .

The list of authorized users is used to save the identity information of electronic wallets that have been authorized to make offline payments, use rights, validity period, and electronic wallet holders.

The blacklist is used to save the identification information of the part of the electronic wallet that is refused to pay the transaction due to arrears, loss reporting, and improper use records in the list of authorized users.

The payment interface is used to provide the interface between the entire offline payment device and the financial system for the flow of funds.

Operation log summary, used to save information including all consumption machines, e-wallet inquiries, recharge, consumption operation time, payment amount, and payment process data parameters.

The consumer machine list is used to save the information, usage rights, and validity period of the consumer terminal terminals that have been authorized to conduct offline payment transactions.

The issuance process of the electronic wallet includes: the server issues an authorization to the user, and the authorization method can be to issue an authorized physical hardware device, or provide an authorization number for the user's existing device equipped with the present invention; and recharge the device, write Enter the e-wallet identity, usage authority, validity period, payment password and query password of the e-wallet, and identity information of the e-wallet holder.

In the above device, the electronic wallet 1 initiates payment to the consumer machine 3, and the payment process includes the following steps:

ZF1, the electronic wallet 1 generates a payment request code QQM1, the payment request code QQM1 includes: electronic wallet identity identifier QID1, payment random code QRD1, payment amount ZFR1, and the visible light emitting module 17 sends payment to the consumer machine 2 by means of visible light signals Request code QQM1.

ZF2, the consumption machine 2 receives the payment request code QQM2 in the form of visible light signal through the visible light receiving module 24, and extracts the electronic wallet identity identifier QID2, the payment random code QRD2, and the payment amount ZFR2; the consumption machine 2 generates a response random code YDR2, a light The random code GRD2, according to the payment request code QQM2, the response random code YDR2, and the optical random code GRD2, is calculated to obtain the collection response code SKYD2, and generates the collection code SKM2. The collection code SKM2 includes: the collection amount SJR2, and the identity of the consumer machine SID2, collection response code SKYD2, payment request code QQM2, payment random code QRD2.

ZF2.1, the consumer machine 2 generates a barcode from the payment code SKM2, and displays it through the barcode display module 22; and uses the message digest algorithm, the response random code YDR2 and the light random code GRD2 to convert the payment code SKM2 into a message summary zySKM2, through the backlight The module 26 sends the optical random code GRD2 and the message digest zySKM2 to the electronic wallet 1 in the form of visible light signals.

ZF3, the electronic wallet 1 scans the barcode displayed by the consumer machine 2 barcode display module 22 to obtain the payment code SKM3, and the electronic wallet 1 uses the wallet light receiving module to receive the optical random code GRD3 and the message summary zySKM3; extract the payment from the payment code SKM3 Amount SJR3, consumer machine identity SID3, collection response code SKYD3, payment random code QRD3; and according to the collection response code SKYD3, response random code YDR3, and light random code GRD3, the payment request code QQM3 and response random code YDR3 are obtained through calculation; Then use the message digest algorithm, response random code YDR3, and optical random code GRD3 to convert the payment code SKM3 into message digest zySKM30.

ZF3.1, conduct the following comparative verification:

1) The message digest zySKM30 generated by electronic wallet 1 in ZF3 and the received message digest zySKM3 in ZF3.

2) The payment amount ZFR1 generated by electronic wallet 1 in ZF1 and the payment amount SJR3 received in ZF3 and extracted from the collection code.

3) The payment random code QRD1 generated by electronic wallet 1 in ZF1 and the payment random code QRD3 received in ZF3 and extracted from the payment code.

4) The payment request code QQM1 generated by electronic wallet 1 in ZF1 and the payment request code QQM3 received and extracted in ZF3.

If there is any inconsistency among the above, then exit the payment process, and display a payment request error prompt message on the display module 13; if they are consistent, enter ZF3.2.

ZF3.2, electronic wallet 1 is based on the collection amount SJR3 extracted from the collection code SKM3, the identity of the consumer machine SID3, the collection response code SKYD3, the payment random code QRD3, the collection response code SKYD3, the response random code YDR3, the light The random code GRD3 is calculated to obtain the payment confirmation code FKQR3, and the payment code ZFM3 is generated. The payment code ZFM3 includes: the collection code SKM3, the electronic wallet identity identifier FID1, the payment amount FJR1, and the payment confirmation code FKQR3. In the form of , it is sent out by the visible light emitting module 17.

ZF4, the consumer machine 2 receives the signal in the form of visible light signal through the visible light receiving module 24, and obtains the payment code ZFM4, from which it extracts the collection code SKM4, the electronic wallet identity mark QID4, the payment amount FJR4, and the payment confirmation code FKQR4, and extracts the payment code ZFM4 from SKM4. Payment amount SJR4, consumer machine identity SID4, collection response code SKYD4, collection amount SJR3, payment random code QRD4; from the payment confirmation code FKQR4, the collection response code SKYD4, response random code YDR4, and optical random code GRD4 are obtained.

ZF4.1, conduct at least the following comparative verification:

1) Compare the collection response code SKM2 obtained by ZF2 calculation with the collection code SKM4 extracted from ZF4.

2) Compare the response random code YDR4 generated in ZF2 with the response random code YDR4 extracted from SKM4 in ZF4.

3) Compare the optical random code GRD2 generated in ZF2 with the optical random code GRD4 extracted from SKM4 in ZF4.

4) Compare the electronic wallet identity QID2 extracted from ZF2 with the electronic wallet identity QID4 extracted from ZFM4 in ZF4.

5) Compare the payment amount FJR2 and collection amount SJR2 obtained in ZF2 with the collection amount SJR4 extracted from ZFM4 in ZF4.

6) Compare the payment random code QRD2 obtained in ZF2 with the payment random code QRD4 extracted from ZFM4 in ZF4.

If the above 6 comparisons are all consistent, enter ZF4.2; otherwise, exit the payment process, and display a verification error prompt message on the barcode display module.

ZF4.2, consumer machine 2 generates an optical confirmation code GQR4, and according to the electronic wallet identity QID4, payment amount FJR4, consumer machine identity SID4, collection response code SKYD4, response random code YDR4, optical confirmation code GQR4, payment random The code QRD4 is calculated to obtain the receipt confirmation code SKQR4; and the message digest algorithm, the response random code YDR4 and the light confirmation code GQR4 are used to convert the receipt confirmation code SKQR4 into a message digest zySKQR4.

ZF4.3, the consumer machine 2 generates a barcode from the receipt confirmation code SKQR4, and displays it through the barcode display module 22; and through the backlight module 26, sends the light confirmation code GQR4 and the message summary zySKQR4 to the electronic wallet 1 in the form of visible light signals .

ZF5, the electronic wallet 1 scans the barcode displayed by the consumer machine 2 barcode display module 22 to obtain the receipt confirmation code SKQR5, and the electronic wallet utilizes the wallet optical receiving module 24 to receive the optical confirmation code GQR5 and message abstract zySKQR5; according to the optical confirmation code GQR5, the receipt confirmation The code SKQR5 is calculated to obtain the electronic wallet identity identifier QID5, the payment amount FJR5, the consumer machine identity identifier SID5, the collection response code SKYD5, the response random code YDR5, and the payment random code QRD5.

Then use the message digest algorithm, response random code YDR4, and optical confirmation code GQR4 to convert the payment confirmation code SKQR5 into message digest zySKQR50.

ZF5.1, carry out at least the following comparative verification:

1) Compare the message digest zySKQR50 generated by electronic wallet 1 in ZF5 and the received message digest zySKQR5 in ZF5.

2) Compare the payment amount FJR1 generated by ZF1 with the payment amount FJR5 calculated from ZF5.

3) Compare the payment random code QRD1 generated by ZF1 with the payment random code QRD5 calculated from ZF5.

4) Compare the consumer machine identity SID3 obtained from ZF3 with the consumer machine identity SID5 calculated from ZF5.

5) Compare the collection response code SKYD3 generated by ZF3 with the collection response code SKYD5 calculated from ZF5.

6) Compare the response random code YDR3 generated by ZF3 with the response random code YDR5 calculated from ZF5.

7) Compare the electronic wallet identity QID1 with the electronic wallet identity QID5 calculated from ZF5.

If one of the above comparisons is inconsistent, exit the payment process, and display a verification error prompt message on the display module 13; if they are consistent, enter ZF5.2.

ZF5.2, the electronic wallet 1 generates the payment completion code SKWC5 according to the optical confirmation code GQR5 and the payment confirmation code SKQR5, and then sends the payment completion code SKWC in the form of a visible light signal by the visible light emitting module 17.

ZF5.3, update the wallet balance of the wallet module 16, use the operation time SJ, the light confirmation code GQR5, and the payment confirmation code SKQR5 to generate the payment completion code SKWC to generate an operation log, and display the prompt information of successful payment through the display module 13.

ZF6, the consumer machine 2 receives the visible light signal sent from the electronic wallet 1 through the visible light receiving module 24, obtains the payment completion code SKWC6, and obtains the optical confirmation code GQR6 and the payment confirmation code SKQR6 from it, and then enters ZF6.1 for verification.

ZF6.1, conduct at least the following comparative verification:

1) Compare the payment confirmation code SKQR4 obtained in ZF4.2 with the payment confirmation code SKQR6 obtained in ZF6.

2) Compare the optical confirmation code GQR4 generated in ZF4.2 with the optical confirmation code GQR6 obtained in ZF6.

If the above two comparisons are consistent, enter ZF6.2; otherwise, exit the payment process, display a verification error message on the barcode display module, and enter ZF6.3.

ZF6.2, write the operation time SJ, electronic wallet identity mark FID7, and collection completion code SKWC6 into the cash box module 23, generate an operation log, and update the balance information of the cash box module 23, and display it through the barcode display module 22 Display the prompt message of successful payment.

ZF6.3, write the operation time SJ, the electronic wallet identity mark FID7, and the collection completion code SKWC6 into the cash box module 23, generate review information, wait for the consumer machine 2 to upload the review information of this payment when it connects to the server 3, and The server 3 confirms whether there is a problem with this payment.

In the payment process, receiving the data sent by the consumer machine 2 from the electronic wallet 1 and receiving the data sent by the electronic wallet 1 from the consumer machine 2 may not be recognized during the sending and receiving process, so in the payment process, for those who cannot If the data is recognized, or if it cannot be recognized due to the inability to receive the data, the device will unilaterally end the payment process after a set waiting time expires.

Claims (1)

1. a kind of visible ray with hidden channel and bar code authentication on-line payment device, it is characterised in that this with hidden channel can See that light includes with bar code authentication on-line payment device：Stored value card, charge machine and server；

Stored value card, including：VISIBLE LIGHT EMISSION module, bar code scan module, control module, wallet module, input module, display Module, data-interface and wallet Optical Receivers；VISIBLE LIGHT EMISSION module, for the information being input into according to control module, generation And send visible light signal；Bar code scan module, for scanning recognition bar code, and the result of identification is exported to control module； Control module, is used for：1st, information to be sent is processed, is generated packet, and exported and give VISIBLE LIGHT EMISSION module, driven VISIBLE LIGHT EMISSION module sends visible light signal；2nd, the scanning result output of bar code scan module is received, and scanning result is entered Row checking；3rd, receive wallet Optical Receivers result output, and recognized, certification；4th, according to the information and generation for receiving Payment information, the information that generation needs by VISIBLE LIGHT EMISSION module；5 and wallet module is consumed, supplemented with money, remaining sum is looked into Inquiry, the read-write operation of Operation Log information；6th, data interaction can be carried out by data-interface and server；Wallet module, uses Include in preservation：User account information, wallet balances, consumption rights, password for inquiry, payment cipher, Operation Log, production distribution Mechanism is in interior information；And it is able to verify that whether the password of input is consistent with the password preserved in wallet crypto module；Input mould Block, for being input into including the information including payment, password for inquiry, payment cipher, operational order to control module；Display mould Block, for showing payment, interface for password input, operational order and prompt message；Data-interface, for providing electronic money The network savvy of bag, there is provided the function of data exchange, data maintenance and upgrading is connected and carried out with server；Wallet light-receiving mould Block, the visible ray backlight signal for receiving backlight module transmission；

Charge machine, including：Thus it is clear that Optical Receivers, bar code display module, Read-write Catrol module, cash register tank module, Keysheet module, Communication module and backlight module；It can be seen that Optical Receivers, corresponding numeral letter is reduced into for receiving visible light signal, and processing Number, it is reduced into packet；Bar code display module, is used for：1st, the input information according to Read-write Catrol module, generates and shows shaping Code；2nd, display dealing money, interface for password input, operational order and prompt message；Read-write Catrol module, is used for：1st, receive It can be seen that the output of Optical Receivers, and recognized, certification；2nd, information to be sent is processed, exports and shown to bar code Module；3rd, the information sent by optical signal form will be needed to be processed, generates packet, and exported to backlight module, driven Dynamic backlight module sends visible light signal；4 and cash register tank module consumed, supplemented with money, inquiry into balance, Operation Log information Read-write operation；The 5th, data-interface is provided, the upload and download of row information are entered by communication module and server；Cash register tank module, Include for preserving：Operation Log, gathering consumption rights, blacklist, cash register remaining sum, operator password, the term of validity, production issuing machine Structure is in interior information；Keysheet module, for Read-write Catrol module input dealing money, trading password, operational order；Communication mould Block, for by wired or wirelessly, connecting host computer or access network, so as to be connected with server；Backlight mould Block, the illumination backlight for providing display for bar code display module, while sending visible ray backlight signal using backlight；

Control module respectively with VISIBLE LIGHT EMISSION module, bar code scan module, wallet module, input module, display module, data Interface, the electrical connection of wallet Optical Receivers；Read-write Catrol module respectively with visible Optical Receivers, cash register tank module, keyboard mould Block, bar code display module, communication module, backlight module electrical connection；

Server, is used for：1 and charge machine by communication module set up upload, download data cube computation；2 and stored value card it is logical Cross data-interface and set up the data cube computation for uploading, downloading；3rd, the background service for providing this offline electronic payment method is supported；4th, provide whole The interface of the Capital Flow of individual offline electronic payment device and financial sector；5th, be charge machine, stored value card granting or cancel authorize, carry For including：Key updating, algorithm update and upgrading, access right are adjusted, the term of validity is adjusted, stored value card is supplemented with money, charge machine is paid The inquiry of money, stored value card and charge machine public information is in interior service；6th, preserving includes：Authorized user's inventory, blacklist, operation Daily record collects, charge machine inventory is in interior information；

Authorized user's inventory, includes for preserving：The identity of the authorized stored value card that can carry out offline electronic payment, make With authority, the term of validity, stored value card holder identity information；Blacklist, for preserving authorized user's inventory in, because arrearage, The identification information of the part stored value card report the loss, having improper usage record and be rejected payment transaction;Payment interface, Interface for providing whole offline electronic payment device and the Capital Flow of financial sector；Operation Log collects, and includes for preserving All charge machines, the inquiry of stored value card, the time of the operation supplemented with money, consume, payment, including payment process data parameters Information；Charge machine inventory, includes for preserving：The authorized charge machine identity that can carry out offline electronic payment transaction, Access right, the term of validity, the identity information of charge machine holder；Server is for being included the module and its work(of above-mentioned charge machine The equipment issued rights of energy, make it possess the function that the stored value card in receiving device is paid；Server is for being included The module of above-mentioned stored value card and the equipment issued rights of function, make it possess the work(paid to the charge machine in device Energy；A mandate is provided to user by server simultaneously, authorization is to provide an authorized entity hardware device, or is The user of existing device provides a grant number；And for equipment is supplemented with money, write-in stored value card identity, access right, effectively Phase, the payment cipher of stored value card and password for inquiry, the identity information of stored value card holder；

In payment flow, the data that charge machine sends are received from stored value card, and stored value card transmission is received from charge machine Data, may all there is the possibility of None- identified during transmitting-receiving, so in payment flow, for None- identified Data, and lead to not the situation of identification because of data cannot be received, device can all surpass in a stand-by period for setting Shi Hou, unilaterally terminates payment flow；

In payment flow, the data sent from stored value card to charge machine, and the number sent from charge machine to stored value card According to, the loss that may there are data during transmitting-receiving, the risk for being tampered, forging, therefore in payment flow, to each The critical data for receiving, all assumes number being generated the step of before the data being currently received and payment flow or receiving According to different, it is necessary to contrast verification, thereby guarantees that the true, complete of transceiving data.