Payment two-dimensional code secure payment method and system without two-step authentication

1. A payment two-dimensional code secure payment method without two-step authentication, comprising the following steps:

simultaneously generating a first payment two-dimensional bar code and a second payment two-dimensional bar code by means of a payment application, wherein the first payment two-dimensional bar code and the second payment two-dimensional bar code are a pair of two-dimensional bar codes; and an account of a user and payment information are split and stored in the pair of two-dimensional bar codes; and the first payment two-dimensional bar code and the second payment two-dimensional bar code satisfy the following relations:

1) the first payment two-dimensional bar code and the second payment two-dimensional bar code each comprise a unique transaction number;

2) the account and the payment information are split and stored in the first payment two-dimensional bar code and the second payment two-dimensional bar code;

3) the first payment two-dimensional bar code and the second payment two-dimensional bar code respectively encrypt the payment information; and

4) the first payment two-dimensional bar code stores a key that parses payment information of the second payment two-dimensional bar code, and the second payment two-dimensional bar code stores a key that parses payment information of the first payment two-dimensional bar code;

alternately displaying the first payment two-dimensional bar code and the second payment two-dimensional bar code; and

respectively identifying the first payment two-dimensional bar code and the second payment two-dimensional bar code to obtain intact payment information, sending the intact payment information to a payment center for verification, and if the verification succeeds, ending the payment.

2. The payment two-dimensional code secure payment method without two-step authentication according to claim 1 , wherein the respectively identifying the first payment two-dimensional bar code and the second payment two-dimensional bar code to obtain intact payment information, and sending the intact payment information to a payment center for verification comprises the following steps:

acquiring a plurality of two-dimensional bar code images by multiple scanning of the first payment two-dimensional bar code and the second payment two-dimensional bar code which are alternately displayed by the payment application;

respectively acquiring a key stored in the first payment two-dimensional bar code and a key stored in the second payment two-dimensional bar code after determining that the plurality of two-dimensional bar code images comprise a group of intact payment two-dimensional bar codes;

parsing payment information of the second payment two-dimensional bar code with the key stored in the first payment two-dimensional bar code, and parsing payment information of the first payment two-dimensional bar code with the key stored in the second payment two-dimensional bar code; and

combining the payment information of the first payment two-dimensional bar code with the payment information of the second payment two-dimensional bar code, and transmitting the combined payment information to the payment center for verification.

3. The payment two-dimensional code secure payment method without two-step authentication according to claim 2 , wherein the acquiring a plurality of two-dimensional bar code images by multiple scanning of the first payment two-dimensional bar code and the second payment two-dimensional bar code which are alternately displayed by the payment application comprises the following steps:

acquiring a frequency t of the payment application for alternately displaying the first payment two-dimensional bar code and the second payment two-dimensional bar code, wherein t is an integer; and

identifying the payment two-dimensional bar codes displayed by the payment application at a frequency of 0.5 t for multiple times, and ending the identification till the plurality of two-dimensional bar code images are determined to comprise a group of intact payment two-dimensional bar codes.

4. The payment two-dimensional code secure payment method without two-step authentication according to claim 3 , wherein a process of determining that the plurality of two-dimensional bar code images comprise a group of intact payment two-dimensional bar codes is as follows:

determining that the plurality of two-dimensional bar code images comprise a group of intact payment two-dimensional bar codes when the plurality of two-dimensional bar codes comprise two pieces of two-dimensional bar code information that are different.

5. A payment two-dimensional code secure payment system without two-step authentication, comprising a processor and a memory, wherein the memory stores a computer program operable on the processor; and the computer program, when executed by the processor, realizes the following steps:

simultaneously generating a first payment two-dimensional bar code and a second payment two-dimensional bar code by means of a payment application, wherein the first payment two-dimensional bar code and the second payment two-dimensional bar code are a pair of two-dimensional bar codes; and an account of a user and payment information are split and stored in the pair of two-dimensional bar codes; and the first payment two-dimensional bar code and the second payment two-dimensional bar code satisfy the following relations:

1) The first payment two-dimensional bar code and the second payment two-dimensional bar code each comprise a unique transaction number;

2) The account and the payment information are split and stored in the first payment two-dimensional bar code and the second payment two-dimensional bar code;

3) The first payment two-dimensional bar code and the second payment two-dimensional bar code respectively encrypt the payment information; and

4) The first payment two-dimensional bar code stores a key that parses payment information of the second payment two-dimensional bar code, and the second payment two-dimensional bar code stores a key that parses payment information of the first payment two-dimensional bar code;

alternately displaying the first payment two-dimensional bar code and the second payment two-dimensional bar code; and

respectively identifying the first payment two-dimensional bar code and the second payment two-dimensional bar code to obtain intact payment information, sending the intact payment information to a payment center for verification, and if the verification succeeds, ending the payment.