Method and apparatus for generating two-dimensional payment code

A non-transitory, computer-readable medium storing one or more instructions executable by a computer system to perform operations comprising:

• receiving, by a secure element chip, security data sent by a server, wherein the security data is obtained by the server based on an account associated with a two-dimensional code display device;
• storing, by the secure element chip, the security data;
• receiving, by the secure element chip, a code refresh notification sent by the server in response to the server identifying a code scanning event trigger;
• in response to receiving the code refresh notification, transmitting, by the secure element chip, the security data to at least one processor comprised in the two-dimensional code display device for generating code information based on the security data;
• receiving, by a secure element chip comprised in a two-dimensional code display device, the code information comprising an account identifier of the account associated with the two-dimensional code display device;
• in response to obtaining a digital certificate for a private key stored in the secure element chip, signing, by the security element chip, the code information by using the private key to generate signed code information;
• and
• providing, the signed code information to the two-dimensional code display device for the two-dimensional code display device to generate and display a two-dimensional code based on the code information, wherein the two-dimensional code comprises information associated with the account identifier and changes dynamically over time.

A computer-implemented system, comprising:

• one or more computers;
• and
• one or more computer memory devices interoperably coupled with the one or more computers and having tangible, non-transitory, machine-readable media storing one or more instructions that, when executed by the one or more computers, perform one or more operations comprising:
• receiving, by a secure element chip, security data sent by a server, wherein the security data is obtained by the server based on an account associated with a two-dimensional code display device:
• storing, by the secure element chip, the security data;
• receiving, by the secure element chip, a code refresh notification sent by the server in response to the server identifying a code scanning event trigger;
• in response to receiving the code refresh notification, transmitting, by the secure element chip, the security data to at least one processor comprised in the two-dimensional code display device for generating code information based on the security data;
• receiving, by a secure element chip comprised in a two-dimensional code display device, the code information comprising an account identifier of the account associated with the two-dimensional code display device;
• in response to obtaining a digital certificate for a private key stored in the secure element chip, signing, by the security element chip, the code information by using the private key to generate signed code information;
• and
• providing, the signed code information to the two-dimensional code display device for the two-dimensional code display device to generate and display a two-dimensional code based on the code information, wherein the two-dimensional code comprises information associated with the account identifier and changes dynamically over time.