CN103473677A - Financial certificate transaction system and method by combining action communication device with two-dimensional bar code - Google Patents

Abstract

The present invention is a mobile communication device combined with a two-dimensional barcode for financial voucher transaction system and method, which mainly uses a mobile communication device with a financial voucher to read or generate a two-dimensional barcode for transaction, payment information and mobile communication device identification. The information can be transmitted to the barcode transaction store system through the barcode transaction module or service-based end-point sales system in the mobile communication device. After the barcode transaction store system verifies the validity of the signature of the payment information, it then transmits the payment information to Financial institutions conduct transactions and generate transaction information ciphertext by signing the payment information ciphertext with the user's certificate to avoid data theft or tampering.

Description

Mobile communication device combined with two-dimensional barcode for financial certificate transaction system and method

technical field

The invention relates to the field of financial transactions, in particular to a system and method for conducting financial voucher transactions by combining a mobile communication device with a two-dimensional barcode.

Background technique

Taiwan I275037 "System and Method for Promoting Electronic Financial Transactions Using Mobile Phone Devices", the transaction is triggered by the merchant manually entering the user's mobile communication device number, and the system judges whether the user's mobile communication device number entered by the store has been registered. If registered, a transaction confirmation message will be sent to the user, and the user will reply whether to proceed with the transaction; and the Taiwan 201126439 application "Internet financial consumption processing method and two-dimensional barcode financial consumption processing device" includes a display that displays at least one commodity selection interface; After a product is selected, a consumption confirmation interface with at least one two-dimensional barcode transmission option is displayed on the display; and after the two-dimensional barcode transmission option is selected, a two-dimensional barcode pattern is output, and the two-dimensional barcode pattern is based on a Communication refers to data transmission to an external specific mobile communication device.

The above two cases both use mobile communication devices as a means of transaction, but the reason why they have not been widely accepted is that it is impossible to confirm whether the consumer is the correct user of the mobile communication device, or the user data has been tampered with or embezzled. The consumption of communication devices only stays in small payments, and there are often cases of being stolen.

Contents of the invention

The main purpose of the present invention is to provide a financial voucher transaction system and method that can prevent data from being embezzled or tampered with by combining a mobile communication device with a two-dimensional barcode.

The secondary objective of the present invention is to provide a financial voucher transaction system and method in which a mobile communication device combined with a two-dimensional barcode can confirm whether the owner of the mobile communication device is conducting a transaction during the transaction.

The present invention relates to a mobile communication device combined with a two-dimensional barcode to conduct a financial certificate transaction system and method, which includes a mobile communication device, a barcode transaction store system and a service-type terminal transaction system. The mobile communication device at least includes a voucher and a barcode transaction module.

When the user opens the barcode transaction module, and enters the PIN code of the voucher to obtain the voucher, and then enters the payment information, the barcode transaction module signs the payment information with the voucher to generate transaction information ciphertext, and then sends the ciphertext and the mobile communication The mobile communication device identification information in the device dynamically generates a two-dimensional barcode, and the service-type terminal sales system reads and interprets the transaction information ciphertext and mobile communication device identification information recorded in the two-dimensional barcode memory through the two-dimensional barcode reader, And transfer the transaction information ciphertext and mobile communication device identification information to the barcode transaction special store system. After the barcode transaction special store system receives it, it first uses the mobile communication device identification information to find out the corresponding voucher of the mobile communication device, and verifies the transaction information ciphertext, and take out the payment information, and send the payment information to the corresponding financial unit or electronic coupon unit for transaction payment, and receive the transaction result returned by it, and send it to the service-type terminal sales system.

In addition, the mobile communication device can further have a barcode analysis module, which can be used to capture the two-dimensional barcode displayed on the screen of the service-type point-of-sale system, analyze the order information and send it to the barcode transaction module in the mobile communication device, and then Enter the PIN code of the voucher in the barcode transaction module to obtain the voucher, and then enter the payment account number. The barcode transaction module compiles the order information and payment account number into payment information, and signs the payment information with the voucher to generate transaction information ciphertext, and then converts this The ciphertext and the identification information of the mobile communication device in the mobile communication device are sent to the barcode transaction special store system together. After receiving the barcode transaction special store system, the corresponding voucher is obtained through the identification information of the mobile communication device, and the transaction information encryption is verified. After the payment information is retrieved from the file, it is transferred to the financial unit for transaction payment, and the transaction result returned is received and sent to the barcode transaction module of the mobile communication device and the service-type terminal sales system.

Furthermore, the barcode analysis module can also be used to read the store information of the two-dimensional barcode in the store license plate, and open the barcode transaction module in the mobile communication device. After entering the PIN code of the voucher to obtain the voucher, input the account information, and the barcode transaction module Combine the store information and the payment account number entered by the user into payment information, and use the voucher to sign the payment information to generate transaction information ciphertext, and then combine the ciphertext with the mobile communication device identification information in the mobile communication device After receiving it, the barcode transaction special store system obtains the corresponding certificate through the identification information of the mobile communication device, verifies the ciphertext of the transaction information and takes out the payment information, and then transfers it to the financial unit for transaction payment, and Receive the transaction result returned by it, send it to the barcode transaction module of the mobile communication device, and simultaneously notify the payment result to the store communication device according to the store information of the payment information and the store registration data of the inspection agency.

The above-mentioned mobile communication device combines the two-dimensional barcode to carry out the financial certificate transaction system and method, and the payment information is signed by the voucher through the barcode transaction module to generate transaction information ciphertext, or the barcode transaction module combines the order information and payment account number into payment information, And use the voucher to sign the payment information to generate transaction information ciphertext, or the barcode transaction module combines the store information and the payment account number entered by the user into payment information, and uses the voucher to sign the payment information to generate transaction information ciphertext, to avoid data theft or tampering.

Description of drawings

Fig. 1 is the schematic diagram of the first embodiment of the present invention;

Fig. 2 is the schematic diagram of the second embodiment of the present invention;

Fig. 3 is a schematic diagram of a third embodiment of the present invention.

Explanation of reference signs

1Mobile communication device 11Certificate

12 barcode transaction module 13 barcode analysis module

2 Service terminal sales system 3 Bar code transaction special store system

4 Review agency 5 Store communication device

Detailed ways

Please refer to Fig. 1, the present invention provides a mobile communication device combined with a two-dimensional barcode for financial voucher transaction system and method, which includes a mobile communication device 1, a barcode transaction special store system 3 and a service-type terminal sales system 2, the The mobile communication device 1 at least includes a certificate 11 and a barcode transaction module 12, the certificate 11 includes at least the private key of the public key infrastructure, and the certificate is provided to the barcode transaction module 12 to read and use, the barcode transaction Module 12 provides the user to input payment information, and use the voucher 11 to sign the transaction information ciphertext generated by signing the payment information, use the transaction information ciphertext and take out the mobile communication device identification information from the mobile communication device 1 to generate a A two-dimensional barcode with identity authentication, and displaying the two-dimensional barcode on the screen of the mobile communication device. The service-type point-of-sale system 2 at least includes a barcode reader for reading the two-dimensional barcode to decode and obtain mobile communication The device identification information and transaction information ciphertext are transferred to the barcode transaction special store system 3, and then the transaction result returned by it is received and displayed on the service-type terminal sales system 2. The barcode transaction special store system 3 contains vouchers and The mobile communication device identification information corresponds to the associated database. After the barcode transaction special store system 3 receives the mobile communication device identification information and the transaction information ciphertext imported from the service-type terminal sales system 2, it obtains through the mobile communication device identification information. After corresponding voucher 11, after verifying the ciphertext of the transaction information and taking out the payment information, and then forwarding the payment information to the financial unit for transaction payment, receiving and forwarding the payment result returned by the financial unit to the service endpoint Sales system 2.

The mobile communication device 1 is a device with an IMEI (International Mobile Equipment Identity) and a SIM (Subscriber Identity Module) card, and provides a mobile communication networking function for receiving input, calculation, and transmission data from the user, and At least one set of unique IMSI (International Mobile Subscriber Identity) is stored in the SIM card. The IMSI is used by the telecommunications company to provide the identity identification of the communication network access equipment, and after the identification is successful, the access equipment communication Serve.

The present invention provides a mobile communication device combined with a two-dimensional barcode to conduct a financial certificate transaction system and method, the transaction steps are as follows:

Step 1. The user opens the barcode transaction module 12 in the mobile communication device 1, and enters the PIN (personal identification number) code of the voucher 11 to obtain the voucher 11, and then enters the payment information including the payment account identification information. The voucher 11 signs the payment information to generate transaction information ciphertext, and then dynamically generates a two-dimensional barcode from the ciphertext and the identification information of the mobile communication device in the mobile communication device 1;

Step 2: The service-type point-of-sale system 2 reads the two-dimensional barcode displayed on the screen of the mobile communication device 1 through the two-dimensional barcode reader and interprets the transaction information ciphertext and the identification information of the mobile communication device recorded in the memory of the two-dimensional barcode;

Step 3: The service-type terminal sales system 2 transfers the ciphertext of the transaction information and the identification information of the mobile communication device to the barcode transaction store system 3 for transaction operations;

Step 4: After receiving the barcode transaction special store system 3, first use the identification information of the mobile communication device to find out the voucher 11 corresponding to the mobile communication device 1, verify the ciphertext of the transaction information, and take out the payment information;

Step 5: The barcode transaction shop system 3 transmits the payment information to the corresponding financial unit or electronic coupon unit for transaction payment, receives the transaction result returned by it, and transmits it to the service-type terminal sales system 2 .

In addition, in order to ensure transaction non-repudiation and data privacy, in the above step 1, the payment information can first be generated with the key issued by the financial institution itself, or by using the dynamic password previously set by the financial institution in the mobile communication device 1 The server dynamically generates a set of one-time passwords (One Time Password, OTP) to encrypt the payment information into the payment information ciphertext, and then signs the payment information ciphertext with the voucher 11 to generate the transaction information ciphertext to avoid data theft or tampered with.

For high-risk transaction content or information security requirements, in the above step 4, the barcode transaction special store system 3 can be integrated with the telecommunications system, and the identification information of the mobile communication device or the user's ID number can be transmitted to the telecommunications system. , to verify the validity of the mobile communication device 1 user, confirm whether the user has lost the mobile communication device 1, etc., or generate a set of one-time passwords (One Time Password, OTP) by the barcode transaction special store system 3 after the above step 4 , and the one-time password and mobile communication device identification information are sent to the mobile communication device 1 specified by the mobile communication device identification information through the telecommunications system, and the user fills the password into the barcode transaction module 12 in the mobile communication device 1 , the one-time password is sent back to the barcode transaction shop system 3 by the barcode transaction module 12 to confirm that the owner of the mobile communication device 1 is indeed conducting the transaction.

Furthermore, the payment information may include identification information of the mobile communication device, or a database in which the financial institution can store the correspondence between the identification information of the payment account and the identification information of the mobile communication device. After the above step 5, the financial institution receives the payment information and generates A set of one-time password (One Time Password, OTP), and the one-time password and mobile communication device identification information will be sent to the mobile communication device 1 specified by the mobile communication device identification information through the telecommunications system, and the password will be sent by the user Fill in the barcode transaction module 12 in the mobile communication device 1, and the barcode transaction module 12 will return the one-time password to confirm that the owner of the mobile communication device 1 is indeed conducting the transaction.

Please refer to Fig. 2, which is the second embodiment of the present invention, which includes a mobile communication device 1, a barcode transaction special store system 3 and a service-type terminal sales system 2, and the mobile communication device 1 at least includes a voucher 11, Barcode transaction module 12, barcode analysis module 13, the certificate 11 includes at least a private key of the public key infrastructure, and the certificate 11 provides the barcode transaction module 12 to read and use, and the barcode analysis module 13 is used to retrieve the service The terminal sales system 2 displays the order information of the two-dimensional barcode image, and transmits the order information to the barcode transaction module 12, and the barcode transaction module 12 receives the order information transmitted by the barcode analysis module 2 and the payment account contract entered by the user. After compiling the payment information, and then using the voucher 11 to sign the transaction information ciphertext generated by the consumption payment information, the transaction information ciphertext and the identification information of the mobile communication device taken out from the mobile communication device 1 are sent together to The barcode transaction special store system 3 conducts transactions, and receives the return transaction result of the barcode transaction special store system 3. The service-type terminal sales system 2 includes at least one two-dimensional barcode generator, and the two-dimensional barcode generator puts After the order data and the identification information of the service terminal sales system form an order information, it is converted into a two-dimensional barcode and displayed to the user, and after receiving and checking the transaction result message from the barcode transaction special store system 3, it is displayed on the service terminal sales On the system 2, the barcode transaction special store system 3 includes a database correspondingly associated with the identification information of the voucher and the mobile communication device, and the barcode transaction special store system 3 receives the transaction information ciphertext transmitted from the mobile communication device 1 and the mobile communication device Identification information, after obtaining the corresponding certificate through the identification information of the mobile communication device, verifying the ciphertext of the transaction information and taking out the payment information, and then forwarding the payment information to the financial unit for transaction payment, receiving and forwarding the financial unit back The payment result is sent to the barcode transaction module 12 of the mobile communication device 1 .

The mobile communication device 1 is a device with an IMEI and a SIM card, and provides a mobile communication networking function for receiving input, calculation, and transmission data from the user, and at least one set of unique data is stored in the SIM card. IMSI, IMSI is used by the telecommunications company to provide a communication network access device for identity identification, and after the identification is successful, the communication service of the access device is provided. The transaction steps are as follows:

Step 1. After the service-type point-of-sale system 2 forms the order information with the order data and the identification information of the service-type point-of-sale system, it converts it into a two-dimensional barcode and displays it on the screen;

Step 2, the user opens the barcode analysis module 13 of the mobile communication device 1, reads the two-dimensional barcode displayed on the screen of the service-type point-of-sale system 2, analyzes the order information and sends it to the barcode transaction module 12 in the mobile communication device 1;

Step 3: The user enters the PIN code of the voucher 11 in the barcode transaction module 12 of the mobile communication device 1 to obtain the voucher 11, and then enters the payment account number;

Step 4, the barcode transaction module 12 compiles the order information and the payment account number input by the user into payment information, and signs the payment information with the voucher 11 to generate transaction information ciphertext, and then sends the ciphertext to the mobile communication device 1 The identification information of the mobile communication device in the barcode transaction shop system 3 is sent to the barcode transaction shop system for transaction;

Step 5: After the barcode transaction special store system 3 receives it, it obtains the corresponding voucher 11 through the identification information of the mobile communication device, verifies the ciphertext of the transaction information and takes out the payment information, then transfers it to the financial unit for transaction payment, and receives its return The transmitted transaction result is transmitted to the barcode transaction module 12 of the mobile communication device 1 and the service-type point-of-sale system 2 .

Among them, step 2 and step 3 are not in sequence, the user can enter the PIN of the voucher 11 in the barcode transaction module 12 of the mobile communication device 1 to obtain the voucher 11, then enter the payment account number, and then open the barcode analysis module 13 of the mobile communication device 1 , read the two-dimensional barcode displayed on the screen of the service-type point-of-sale system 2, and parse out the order information.

In addition, in order to ensure transaction non-repudiation and data confidentiality, in step 4, the payment information can be first issued by the financial unit with the key, or the dynamic password generator set in the mobile communication device 1 by the financial unit in advance Dynamically generate a set of one-time passwords (One Time Password, OTP) to encrypt the payment information into payment information ciphertext, and then use the voucher 11 to sign the payment information ciphertext to generate transaction information ciphertext, so as to prevent data from being embezzled or tampering situation.

For high-risk transaction content or information security requirements, in the above step five, the barcode transaction special store system 3 can be integrated with the telecommunications system, and the identification information of the mobile communication device or the user's ID number is transmitted to the telecommunications system for verification. The validity of the user of the mobile communication device 1 is to confirm whether the user has lost the mobile communication device 1, etc.; or after step 5, a set of one-time password (One Time Password, OTP) is generated by the barcode transaction special shop system 3, and the The one-time password and the mobile communication device identification information are sent to the mobile communication device 1 specified by the mobile communication device identification information through the telecommunication system, and the user fills the password into the barcode transaction module 12 in the mobile communication device 1, and the barcode transaction The module 12 returns the one-time password to the barcode transaction shop system 3 to confirm that the owner of the mobile communication device 1 is indeed conducting the transaction.

Furthermore, the payment information may include identification information of the mobile communication device, or a database in which the financial institution can store the correspondence between the identification information of the payment account and the identification information of the mobile communication device. After the above step 5, the financial institution receives the payment information and generates A set of one-time password (One Time Password, OTP), and the one-time password and mobile communication device identification information will be sent to the mobile communication device 1 specified by the mobile communication device identification information through the telecommunications system, and the password will be sent by the user Fill in the barcode transaction module 12 in the mobile communication device 1, and the barcode transaction module 12 will return the one-time password to confirm that the owner of the mobile communication device 1 is indeed conducting the transaction.

Please refer to Fig. 3, which is the third embodiment of the present invention, including a mobile communication device 1, a barcode transaction special store system 3, an inspection agency 4 and a store communication device 5, wherein the mobile communication device 1 includes at least a certificate 11, Barcode transaction module 12, barcode analysis module 13, the certificate 11 includes at least a private key of the public key infrastructure, the certificate 11 provides the barcode transaction module 12 to read and use, and the barcode analysis module 13 is used to extract The store information of the two-dimensional barcode in the store license, and transmit the store information to the barcode transaction module 12, and the barcode transaction module 12 receives the store information transmitted by the barcode analysis module 13 and the payment account input by the user and compiles the payment information , and then use the voucher 11 to sign the consumption payment information to generate the transaction information ciphertext, and transmit the transaction information ciphertext and the identification information of the mobile communication device taken out from the mobile communication device 1 to the barcode transaction special store system 3 conducting a transaction, and receiving the transaction result returned by the barcode transaction special store system 3, the review agency 4 is an agency that accepts store registration, wherein the store registration data includes at least the store communication device information 5 and financial account information, After data review, a set of two-dimensional barcodes for store licenses is issued. The store communication device 5 is a mobile communication device registered by the store in the review agency 4 to receive the payment result notification message from the barcode transaction special store system 5. The barcode transaction The special store system 3 includes a database correspondingly associated with vouchers and mobile communication device identification information. After the barcode transaction special store system system 3 receives the transaction information ciphertext and mobile communication device identification information transmitted from the mobile communication device 1, After obtaining the corresponding voucher 11 for the identification information of the mobile communication device, after verifying the ciphertext of the transaction information and taking out the payment information, and then forwarding the payment information to the financial unit for transaction payment, receiving and forwarding the payment result returned by the financial unit to The barcode transaction module 12 of the mobile communication device 1 simultaneously notifies the merchant communication device 5 of the payment result according to the merchant information of the payment information and the merchant registration data of the inspection agency 4 .

The mobile communication device 1 is a device with an IMEI and a SIM card, and provides a mobile communication networking function for receiving input, calculation, and transmission data from the user, and at least one set of unique data is stored in the SIM card. IMSI, IMSI is used by the telecommunications company to provide a communication network access device for identity identification, and provide the communication service of the access device after the identification is successful, the steps are as follows:

Step 1. The user opens the barcode analysis module 13 of the mobile communication device 1, reads the store information of the two-dimensional barcode in the store, and opens the barcode transaction module 12 of the mobile communication device 1. After entering the PIN code of the voucher 11 to obtain the voucher 11, Enter account information;

Step 2, the barcode transaction module 12 compiles the store information and the payment account number input by the user into payment information, and signs the payment information with the voucher 11 to generate transaction information ciphertext, and then sends this ciphertext to the mobile communication device 1 The identification information of the mobile communication device in the barcode transaction shop system 3 is sent to the barcode transaction shop system for transaction;

Step 3: After the barcode transaction store system 3 receives it, it obtains the corresponding certificate through the identification information of the mobile communication device, verifies the ciphertext of the transaction information and takes out the payment information, then transfers it to the financial unit for transaction payment, and receives its return The transaction result is sent to the barcode transaction module 12 of the mobile communication device 1, and at the same time, the payment result is notified to the store communication device 5 according to the store information of the payment information and the store registration data of the inspection agency 4.

Among them, there is no absolute sequence in the first step, the user can enter the PIN of the voucher 11 in the barcode transaction module 12 of the mobile communication device 1 to obtain the voucher 11, then enter the payment account number, and then open the barcode of the mobile communication device 1 The parsing module 13 reads the store information of the two-dimensional barcode in the store.

In order to ensure transaction non-repudiation and data privacy, in step 2, the payment information can be dynamically generated with the key issued by the financial institution itself, or by using the dynamic password generator set in advance by the financial institution in the mobile communication device 1 A set of one-time passwords (One Time Password, OTP) encrypts the payment information into payment information ciphertext, and then signs the payment information ciphertext with voucher 11 to generate transaction information ciphertext to prevent data from being embezzled or tampered with. Condition.

In addition, for high-risk transaction content or information security requirements, in step 3, the barcode transaction store system 3 can be integrated with the telecommunications system to transmit the identification information of the mobile communication device or the user's ID number to the telecommunications system, To verify the validity of the user of the mobile communication device 1, confirm whether the user has lost the mobile communication device 1, etc.; or generate a set of one-time passwords (One Time Password, OTP) by the barcode transaction special store system 3 after step 3, and The one-time password and the mobile communication device identification information are sent to the mobile communication device 1 specified by the mobile communication device identification information through the telecommunications system, and the user fills in the password into the barcode transaction module 12 in the mobile communication device, and the barcode The transaction module 12 returns the one-time password to the barcode transaction shop system 3 to confirm that the owner of the mobile communication device 1 is indeed conducting the transaction.

Furthermore, the payment information may include identification information of the mobile communication device, or a database in which the financial institution can store the correspondence between the identification information of the payment account and the identification information of the mobile communication device. After the above step 3, the financial institution receives the payment information and generates A set of one-time password (One Time Password, OTP), and the one-time password and mobile communication device identification information will be sent to the mobile communication device 1 specified by the mobile communication device identification information through the telecommunications system, and the password will be sent by the user Fill in the barcode transaction module 12 in the mobile communication device 1, and the barcode transaction module 12 will return the one-time password to confirm that the owner of the mobile communication device 1 is indeed conducting the transaction.

The above-mentioned embodiments only express several implementation modes of the present invention, and the description thereof is relatively specific and detailed, but should not be construed as limiting the patent scope of the present invention. It should be pointed out that those skilled in the art can make several modifications and improvements without departing from the concept of the present invention, and these all belong to the protection scope of the present invention. Therefore, the protection scope of the patent for the present invention should be based on the appended claims.

Claims (26)

1. A mobile communication device combined with a two-dimensional barcode to carry out a financial voucher transaction system, characterized in that it includes: A mobile communication device, the mobile communication device includes a voucher and a barcode transaction module; A certificate, the certificate at least includes a private key of the public key infrastructure, and the certificate provides the barcode transaction module to read and use; A barcode transaction module, the barcode transaction module provides the user to input payment information, and signs the payment information with a voucher to generate a transaction information ciphertext, and uses the transaction information ciphertext and removes the mobile communication device from the mobile communication device for identification information, generate a two-dimensional barcode with identity authentication, and display the two-dimensional barcode on the screen of the mobile communication device; A service-type point-of-sale system, the service-type point-of-sale system includes at least a barcode reader for reading two-dimensional barcodes to decode and obtain mobile communication device identification information and transaction information ciphertext, and transfer them to the barcode transaction special store system , and then receive the transaction result returned by it, and display it on the service-oriented point-of-sale system; Barcode transaction special store system, the barcode transaction special store system includes a database corresponding to the identification information of the voucher and the mobile communication device, and the barcode transaction special store system receives the mobile communication device identification information and After the transaction information ciphertext, after obtaining the corresponding voucher through the identification information of the mobile communication device, verifying the transaction information ciphertext and taking out the payment information, and then forwarding the payment information to the financial unit for transaction payment, receiving and forwarding the The payment result returned by the financial unit is sent to the service-type terminal sales system. 2. The mobile communication device combined with a two-dimensional barcode for financial voucher transaction system according to claim 1, wherein the mobile communication device identification information is IMEI, IMSI, mobile phone number, or mobile communication device identification data. 3 . The mobile communication device combined with a two-dimensional barcode for financial certificate transaction system according to claim 1 , wherein the payment information includes at least one transaction amount data. 4 . 4. The mobile communication device according to claim 1 combined with a two-dimensional barcode for financial voucher transaction system, characterized in that, the generation method of the transaction information ciphertext can use the key issued by the financial unit to convert the payment information Encrypted into the ciphertext of payment information, and then generated by the ciphertext of payment information described in the certificate signature. When the financial unit receives the barcode transaction special shop system to decrypt and forward the ciphertext of payment information, it will correspond to the ciphertext of the mobile communication device. key to decrypt its payment information. 5. The mobile communication device according to claim 1 combined with a two-dimensional barcode for financial voucher transaction system, characterized in that, the generation method of the transaction information ciphertext can use the dynamic password set in advance by the financial unit in the mobile communication device The generator, after dynamically generating a group of one-time passwords, encrypts the payment information into payment information ciphertexts with the one-time passwords, and then generates the payment information ciphertexts with the voucher signature. When the financial unit receives After the barcode transaction shop system decrypts and forwards the ciphertext of the payment information, it corresponds to the dynamic password generator adopted by the mobile communication device and calculates the dynamic password to decrypt the payment information. 6. The mobile communication device according to claim 1, 4 or 5, combined with a two-dimensional barcode for financial voucher transaction system, characterized in that, after the barcode transaction special store system receives the transaction information ciphertext and the identification information of the mobile communication device, A one-time password message can be sent to the mobile communication device designated by the identification information of the mobile communication device, and the mobile communication device returns the one-time password or an encrypted message of the one-time password to confirm the status of the mobile communication device, After the confirmation is completed, the barcode transaction special shop system transmits the payment information to the financial unit. 7. The mobile communication device according to claim 1, 4 or 5 combined with a two-dimensional barcode for financial voucher transaction system, characterized in that the payment information includes identification information of the mobile communication device, and the financial unit can receive the payment information after receiving the payment information. Send a one-time password message to the mobile communication device designated by the mobile communication device identification information, and the mobile communication device returns the one-time password or an encrypted message with the one-time password to confirm the status of the mobile communication device Execute the payment procedure again. 8. The mobile communication device according to claim 1, 4 or 5, combined with a two-dimensional barcode for financial voucher transaction system, characterized in that the financial unit stores a database of the corresponding relationship between payment account identification information and mobile communication device identification information, After receiving the payment information, the financial institution can query the mobile communication device identification information corresponding to the payment account identification information of the payment information, and then send a one-time password message to the mobile communication device specified by the mobile communication device identification information , and the mobile communication device sends back the one-time password or the encrypted message of the one-time password to confirm the status of the mobile communication device before executing the payment procedure. 9. A mobile communication device combined with a two-dimensional barcode for financial voucher transaction system, characterized in that it includes: A mobile communication device, the mobile communication device includes a voucher, a barcode analysis module and a barcode transaction module; A certificate, the certificate at least includes a private key of the public key infrastructure, and the certificate can be read and used by the barcode transaction module; A barcode analysis module, the barcode analysis module is used to capture the order information displayed by the service-type terminal sales system on the two-dimensional barcode image, and transmit the order information to the barcode transaction module; A barcode transaction module, the barcode transaction module receives the order information sent by the barcode analysis module and the payment account input by the user to compile payment information, and then signs the voucher to generate transaction information ciphertext, and encrypts the transaction information The text and the identification information of the mobile communication device taken out from the mobile communication device are sent to the barcode transaction special shop system for transaction, and the transaction result returned by the barcode transaction special shop system is received; The service-type terminal sales system, the service-type terminal sales system includes at least one two-dimensional barcode generator, and the two-dimensional barcode generator converts the order data and the identification information of the service-type terminal sales system into order information after the order information is converted into a two-dimensional barcode And display it to the user, and after receiving and checking the transaction result message from the barcode transaction special store system, display it on the service terminal sales system; Barcode transaction special store system, said barcode transaction special store system includes a database correspondingly associated with vouchers and mobile communication device identification information, said barcode transaction special store system receives transaction information ciphertext and mobile communication device identification information transmitted from a mobile communication device Information, after obtaining the corresponding voucher through the identification information of the mobile communication device, verifying the ciphertext of the transaction information and taking out the payment information, and then forwarding the payment information to the financial unit for transaction payment, receiving and forwarding the transaction information returned by the financial unit The payment result is sent to the barcode transaction module of the mobile communication device. 10. The mobile communication device according to claim 9 combined with a two-dimensional barcode for financial voucher transaction system, characterized in that, after the barcode transaction special store system receives the payment result sent back by the financial unit, it additionally transmits the payment result to the payment information The service-based point-of-sale system corresponding to the identification information of the service-type point-of-sale system. 11. The mobile communication device combined with the two-dimensional barcode for financial certificate transaction system according to claim 9, characterized in that the mobile communication device identification information is IMEI, IMSI, mobile phone number, or mobile communication device identification data . 12. The mobile communication device according to claim 9 combined with a two-dimensional barcode for financial voucher transaction system, characterized in that the transaction information ciphertext is generated in such a way that the payment information can be converted to the payment information by using the key issued by the financial institution itself. Encrypted into the ciphertext of payment information, and then generated by the ciphertext of payment information described in the certificate signature. When the financial unit receives the barcode transaction special shop system to decrypt and forward the ciphertext of payment information, it will correspond to the ciphertext of the mobile communication device. key to decrypt its payment information. 13. The mobile communication device combined with the two-dimensional barcode for financial voucher transaction system according to claim 9, characterized in that, the generation method of the transaction information ciphertext can use the dynamic information set by the financial unit in advance in the mobile communication device. The password generator, after dynamically generating a group of one-time passwords, encrypts the payment information into payment information ciphertexts with the one-time passwords, and then generates the payment information ciphertexts with the voucher signature. When the financial unit receives After decrypting and forwarding the ciphertext of the payment information to the barcode transaction special store system, it corresponds to the dynamic password generator adopted by the mobile communication device and calculates the dynamic password to decrypt the payment information. 14. The mobile communication device according to claim 9, 10, 12 or 13 combined with a two-dimensional barcode for financial voucher transaction system, characterized in that, after the barcode transaction special store system receives the transaction information ciphertext and the identification information of the mobile communication device, A one-time password message can be sent to the mobile communication device designated by the identification information of the mobile communication device, and the mobile communication device returns the one-time password or an encrypted message of the one-time password to confirm the status of the mobile communication device, After the confirmation is completed, the barcode transaction special shop system transmits the payment information to the financial unit. 15. According to claim 9, 10, 12 or 13, the mobile communication device combined with the two-dimensional barcode conducts financial certificate transaction system, characterized in that, the payment information includes identification information of the mobile communication device, and the financial unit receives the payment information Then send a one-time password message to the mobile communication device specified by the mobile communication device identification information, and the mobile communication device returns the one-time password or an encrypted message with the one-time password to confirm the mobile communication device status and then execute the payment procedure. 16. According to claim 9, 10, 12 or 13, the mobile communication device combined with the two-dimensional bar code conducts financial voucher transaction system, characterized in that the financial unit stores the corresponding relationship between the payment account identification information and the mobile communication device identification information database, after the financial unit receives the payment information, it can query the mobile communication device identification information corresponding to the payment account identification information of the payment information, and then send a one-time password message to the mobile communication device specified by the mobile communication device identification information device, and the mobile communication device returns the one-time password or an encrypted message with the one-time password to confirm the status of the mobile communication device before executing the payment procedure. 17. A mobile communication device combined with a two-dimensional barcode for financial voucher transaction system, characterized in that it includes: A mobile communication device, the mobile communication device includes a voucher, a barcode analysis module and a barcode transaction module; A certificate, the certificate at least includes a private key of the public key infrastructure, and the certificate can be read and used by the barcode transaction module; A barcode analysis module, the barcode analysis module is used to extract the store information of the two-dimensional barcode in the store license, and transmit the store information to the barcode transaction module; The barcode transaction module, the barcode transaction module receives the store information transmitted by the barcode analysis module and the payment account input by the user to compile payment information, and then signs the consumption payment information with a voucher to generate transaction information ciphertext, Sending the ciphertext of the transaction information and the identification information of the mobile communication device taken out from the mobile communication device to the barcode transaction shop system for transaction, and receiving the return transaction result from the barcode transaction shop system; An examination institution, the examination institution is an institution that accepts store registration, wherein the store registration data at least includes the mobile communication device information and financial account information of the store, and a set of two-dimensional barcodes for store licenses are issued after data review; The shopkeeper's communication device, the said shopkeeper's communication device is a mobile communication device registered by the shopkeeper in the inspection agency, and is used to receive the payment result notification message of the barcode transaction special shop system; Barcode transaction special store system, the barcode transaction special store system includes a database correspondingly associated with vouchers and mobile communication device identification information, after the system receives the transaction information ciphertext and mobile communication device identification information transmitted from the mobile communication device, through After the identification information of the mobile communication device obtains the corresponding voucher, verify the ciphertext of the transaction information and take out the payment information, and then transfer the payment information to the financial unit for transaction payment, receive and forward the payment result sent back by the financial unit to the barcode transaction module of the mobile communication device, and at the same time, according to the store information of the payment information and the store registration data of the inspection agency, the payment result is also notified to the store communication device. 18. The mobile communication device combined with a two-dimensional barcode for financial voucher transaction system according to claim 17, wherein the mobile communication device identification information is IMEI, IMSI, mobile phone number, or mobile communication device identification data. 19. The mobile communication device according to claim 17 combined with a two-dimensional barcode for financial voucher transaction system, characterized in that, the transaction information ciphertext is generated in a way that the payment information can be converted to the payment information by using the key issued by the financial institution itself. Encrypted into the ciphertext of payment information, and then generated by the ciphertext of payment information described in the certificate signature. When the financial unit receives the barcode transaction special shop system to decrypt and forward the ciphertext of payment information, it will correspond to the ciphertext of the mobile communication device. key to decrypt its payment information. 20. The mobile communication device combined with a two-dimensional barcode for financial voucher transaction system according to claim 17, characterized in that the transaction information ciphertext is generated by using the dynamic password set in advance by the financial unit in the mobile communication device The generator, after dynamically generating a group of one-time passwords, encrypts the payment information into payment information ciphertexts with the one-time passwords, and then generates the payment information ciphertexts with the voucher signature. When the financial unit receives After the barcode transaction shop system decrypts and forwards the ciphertext of the payment information, it corresponds to the dynamic password generator adopted by the mobile communication device and calculates the dynamic password to decrypt the payment information. 21. According to claim 17, 19 or 20, the mobile communication device combined with the two-dimensional barcode for financial certificate transaction system is characterized in that, after the barcode transaction special store system receives the transaction information ciphertext and the mobile communication device identification information, it can send The one-time password message is sent to the mobile communication device specified by the identification information of the mobile communication device, and the mobile communication device returns the one-time password or an encrypted message of the one-time password to confirm the status of the mobile communication device, and the confirmation is completed Afterwards, the barcode transaction shop system transmits the payment information to the financial unit. 22. According to claim 17, 19 or 20, the mobile communication device combined with the two-dimensional barcode conducts financial certificate transaction system, characterized in that, the payment information includes the identification information of the mobile communication device, and the financial unit can Send a one-time password message to the mobile communication device designated by the mobile communication device identification information, and the mobile communication device returns the one-time password or an encrypted message with the one-time password to confirm the status of the mobile communication device Execute the payment procedure again. 23. According to claim 17, 19 or 20, the mobile communication device combined with the two-dimensional barcode for financial certificate transaction system is characterized in that the financial unit can store the database of the corresponding relationship between payment account identification information and mobile communication device identification information After receiving the payment information, the financial unit can query the mobile communication device identification information corresponding to the payment account identification information of the payment information, and then send a one-time password message to the mobile communication device specified by the mobile communication device identification information and the mobile communication device returns the one-time password or an encrypted message with the one-time password to confirm the status of the mobile communication device before executing the payment procedure. 24. A mobile communication device combined with a two-dimensional barcode for financial voucher transaction method, characterized in that the steps include: Step 1. The user opens the barcode transaction module in the mobile communication device, and enters the PIN code of the voucher to obtain the voucher, then enters the payment information including the payment account identification information, and the barcode transaction module signs the payment information with the voucher to generate transaction information ciphertext, and then dynamically generate a two-dimensional barcode from the ciphertext and the identification information of the mobile communication device in the mobile communication device; Step 2. The service-type terminal sales system reads the two-dimensional barcode displayed on the screen of the mobile communication device through the two-dimensional barcode reader and interprets the transaction information ciphertext recorded in the memory of the two-dimensional barcode and the identification information of the mobile communication device; Step 3. The service-type terminal sales system transfers the ciphertext of the transaction information and the identification information of the mobile communication device to the barcode transaction special store system for transaction operation; Step 4: After the barcode transaction store system receives it, it uses the identification information of the mobile communication device to find out the voucher corresponding to the mobile communication device, verifies the ciphertext of the transaction information, and takes out the payment information; Step 5. The barcode transaction special store system transmits the payment information to the corresponding financial unit or electronic coupon unit for transaction payment, receives the transaction result returned by it, and transmits it to the service-type terminal sales system. 25. A mobile communication device combined with a two-dimensional barcode for financial voucher transaction method, characterized in that the steps include: Step 1. After the service-type point-of-sale system combines the order data and the identification information of the service-type point-of-sale system into order information, it converts it into a two-dimensional barcode and displays it on the screen; Step 2. The user opens the barcode analysis module of the mobile communication device, reads the two-dimensional barcode displayed on the screen of the service-type point-of-sale system, analyzes the order information and sends it to the barcode transaction module in the mobile communication device; Step 3. After the user enters the PIN code of the voucher in the barcode transaction module of the mobile communication device to obtain the voucher, then enter the payment account number; Step 4. The barcode transaction module compiles the order information and the payment account number input by the user into payment information, and signs the payment information with a voucher to generate transaction information ciphertext, and then ciphertext and the action in the mobile communication device The identification information of the communication device is sent to the barcode transaction special store system for transaction; Step 5: After receiving the barcode transaction special store system, obtain the corresponding certificate through the identification information of the mobile communication device, verify the ciphertext of the transaction information and take out the payment information, and then transfer it to the financial unit for transaction payment, and receive the return information The transaction result is sent to the barcode transaction module of the mobile communication device and the service-type point-of-sale system. 26. A mobile communication device combined with a two-dimensional barcode for financial voucher transaction method, characterized in that the steps include: Step 1. The user opens the barcode analysis module of the mobile communication device, reads the store information of the two-dimensional barcode in the store, and opens the barcode transaction module in the mobile communication device, enters the PIN code of the voucher to obtain the voucher, and then enters the account information; Step 2. The barcode transaction module compiles the store information and the payment account number input by the user into payment information, and signs the payment information with the voucher to generate transaction information ciphertext, and then ciphertext and the action in the mobile communication device The identification information of the communication device is sent to the barcode transaction special store system for transaction; Step 3: After receiving the barcode transaction store system, obtain the corresponding certificate through the identification information of the mobile communication device, verify the ciphertext of the transaction information and take out the payment information, and then transfer it to the financial unit for transaction payment, and receive the return information The transaction result is sent to the barcode transaction module of the mobile communication device, and at the same time, the payment result is notified to the store communication device according to the store information of the payment information and the store registration data of the inspection agency.

Images