CN104200363A - Fingerprint-encryption-based electronic purse system payment method - Google Patents
Fingerprint-encryption-based electronic purse system payment method Download PDFInfo
- Publication number
- CN104200363A CN104200363A CN201410391602.4A CN201410391602A CN104200363A CN 104200363 A CN104200363 A CN 104200363A CN 201410391602 A CN201410391602 A CN 201410391602A CN 104200363 A CN104200363 A CN 104200363A
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- user
- flash drive
- usb flash
- payment
- password
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention is fingerprint-encryption-based electronic purse system payment method. The setting process of an electronic purse comprises a), connecting a device and running a program; b), setting character codes; c), collecting fingerprint information; d), encrypting the fingerprint information; e), encrypting the character codes; f), generating private data files; g), completing the setting process. The payment process of the electronic purse comprises 1), device connecting including connecting an USB (universal serial bus) flash disk with a PC (personal computer), running an electronic purse application in the USB flash disk to enter a transfer process; 2) code inputting; 3) code checking; 4) acquisition of the private data files; 5) payment initiating; 6) private key decryption; 7) transfer authorization; 8) transfer record storing; 9) payment completing. According to the fingerprint-encryption-based electronic purse system payment method, by setting the character codes and the fingerprint information, payment can be completed only when the fingerprint information input during the payment process and the setting process is from the same person, so that fund security can be guaranteed.
Description
Technical field
The present invention relates to a kind of method of payment of the electronic purse system based on encrypting fingerprint, in particular, relate in particular to a kind of method of payment that realizes mobile payment and guarantee the electronic purse system based on encrypting fingerprint of security by character password and finger print information.
Background technology
Based on the network electronic money of P2P agreement, as bit coin, accepted widely and used.User only need to have a stored value card (client), just can complete gathering by network, the operations such as payment.When new technology brings convenience, also bring new potential safety hazard to user.Although stored value card support arranges character password, after user's stored value card is stolen, the means such as hacker still can pass through Brute Force, wooden horse monitoring obtain user's payment cipher, steal fund.This makes this type of stored value card be difficult to safe storage and the use of the daily fund of bearing user, particularly for the user who has extensive fund, if stored value card is stolen, may cause huge property loss.Meanwhile, stored value card software is arranged in computer hard disc conventionally, and inconvenient user uses anywhere or anytime, does not have mobility.
Summary of the invention
The present invention, in order to overcome the shortcoming of above-mentioned technical matters, provides a kind of method of payment of the electronic purse system based on encrypting fingerprint.
The method of payment of the electronic purse system based on encrypting fingerprint of the present invention, described electronic purse system is made up of USB flash drive, USB flash drive comprises internal flash chip, fingerprint reader and USB interface, internal flash chip is for store electrons wallet application and related data, fingerprint reader is for gathering user's finger print information, and USB flash drive is connected with PC by USB interface; It is characterized in that, described method of payment comprises stored value card setting and stored value card payment step;
Stored value card setting realizes by following steps: a). connection device working procedure, and by USB interface, USB flash drive is connected with PC, and moves the electronic wallet application in USB flash drive, enter setting procedure; B). character password setting, point out user to carry out character password setting by PC, require user to input password by PC; Whether the character password that judges twice input of user is consistent, if consistent, the password of input is saved in USB flash drive, and character password arranges successfully, and execution step c); If inconsistent, point out user to re-enter; C). finger print information collection, PC prompting user is placed on finger on fingerprint reader, and USB flash drive gathers user's finger print information by fingerprint reader, and the finger print information gathering is preserved; D). finger print information is encrypted, and USB flash drive is encrypted the user fingerprints information collecting and private key through reversible symmetric encipherment algorithm AES, forms and encrypts rear data
; E). character password is encrypted, and USB flash drive is encrypted the character password collecting through reversible symmetric encipherment algorithm AES, forms and encrypts rear data
; F). generate private data file, by the data after encrypting
,
form private data file together with PKI, be stored in USB flash drive; G). arranged, PC provides the information that USB flash drive setting completes, and points out user USB flash drive can be extracted;
Described stored value card PayPal is crossed following steps and is realized: 1). equipment connection, and USB flash drive is connected with PC, and moves the electronic wallet application in USB flash drive, enter the flow process of transferring accounts; 2). Password Input, PC reminding user input character password, user is by PC input character password, and PC is sent to USB flash drive by the password of input and carries out verification; 3). cryptographic check, first electronic wallet application utilizes reversible symmetric encipherment algorithm AES to data
be decrypted, the character password arranging before obtaining, and judge that whether the password that user inputs is consistent with the character password arranging before, if consistent, cryptographic check is passed through, and performs step 4); If inconsistent, cryptographic check failure, reminding user re-enters password, execution step 2); 4). obtain private data file, obtain the private data file in USB flash drive, utilize character password and reversible symmetric encipherment algorithm AES to be decrypted the record of transferring accounts after encrypting, obtain the record of transferring accounts; And PKI, the record of transferring accounts are sent to PC, check for user; Now, user's private key is still in the encrypted state in finger print data; 5). initiate payment, user is by the PC input information of transferring accounts, and PC points out user to input finger print information, to authorize; 6). decrypted private key, electronic wallet application is obtained user's finger print information by fingerprint reader, and the finger print information that then utilization is obtained and reversible symmetric encipherment algorithm AES are to data
be decrypted, and judgement can decrypt private key, if decrypt private key, perform step 7); As do not decrypted private key, show that the finger print information of input is incorrect, prompting user re-starts fingerprint authentication, execution step 5); 7). the mandate of transferring accounts, utilize step 6) in the mandate of transferring accounts of the private key that decrypts, send payment, and remove the private key in internal memory; 8). preserve the record of transferring accounts, electronic wallet application is transferred accounts this payment to record and is utilized character password and reversible symmetric encipherment algorithm to be encrypted, and forms the record of transferring accounts after encrypting, and is kept in USB flash drive; 9). paid, PC provides the information having paid, and points out user USB flash drive can be extracted.
The method of payment of the electronic purse system based on encrypting fingerprint of the present invention, described character password is the combination of arabic numeral, capitalization English letter and small letter English alphabet.
The method of payment of the electronic purse system based on encrypting fingerprint of the present invention, the method for payment of the described electronic purse system based on encrypting fingerprint is applied to the payment of bit coin.
The invention has the beneficial effects as follows: the electronic purse system based on encrypting fingerprint of the present invention, by fingerprint reader, internal flash chip and USB interface are set in USB flash drive, realize the mobile payment problem of stored value card, as long as plugging USB flash drive of the present invention on PC can realize payment, solve existing stored value card and be arranged on difficult mobile problem in computer hard disc.
The method of payment of the electronic purse system based on encrypting fingerprint of the present invention, stage is being set, not only to gather the character password of user's input, but also will gather user's finger print information, and utilize reversible symmetric encipherment algorithm AES to be encrypted finger print information and private key; In the payment stage, first utilize the character password decrypting to verify the password of user's input, utilizing the finger print information that user inputs to be decrypted private key, while only having the finger print information of inputting in the time paying to come from same people with the finger print information that the stage is set, just can complete payment, guarantee the security paying.Because private key, PKI, character password and finger print information are all stored in USB flash drive, only connected to the network in the time paying, avoid assault, wooden horse to steal the generation of phenomenon, guarantee fund security.
Brief description of the drawings
Fig. 1 is the schematic diagram of the electronic purse system based on encrypting fingerprint of the present invention;
Fig. 2 is the process flow diagram of stored value card setting steps in method of payment of the present invention;
Fig. 3 is the process flow diagram of payment step in method of payment of the present invention.
In figure: 1 housing, 2 internal flash chips, 3 fingerprint readers, 4 USB interface.
Embodiment
Below in conjunction with accompanying drawing and embodiment, the invention will be further described.
As shown in Figure 1, provided the schematic diagram of the electronic purse system based on encrypting fingerprint of the present invention, it is made up of USB flash drive, and USB flash drive comprises housing 1, internal flash chip 2, fingerprint reader 3, USB interface 4; 1 fixing and supporting role of housing, internal flash chip 2 is for store electrons wallet application, publicly-owned data, private data and character password information.Publicly-owned data are network area blocks of data, comprise all records of transferring accounts of having confirmed on network, and this part data is full disclosures, only need storage, without encryption; Private data comprises PKI, the private key of user's wallet and the record of transferring accounts.Private data needs safeguard protection, and particularly private key is the voucher for authority to pay operation, once lose, the fund of stored value card the inside also will together be lost, and need strict protection.USB flash drive is connected with PC by USB interface 4.
As shown in Figures 2 and 3, provide respectively the process flow diagram of stored value card setting steps, payment step in method of payment of the present invention,
Stored value card setting realizes by following steps:
A). connection device working procedure, by USB interface, USB flash drive is connected with PC, and moves the electronic wallet application in USB flash drive, enter setting procedure;
B). character password setting, point out user to carry out character password setting by PC, require user to input password by PC; Whether the character password that judges twice input of user is consistent, if consistent, the password of input is saved in USB flash drive, and character password arranges successfully, and execution step c); If inconsistent, point out user to re-enter;
In this step, set character password is the combination of arabic numeral, capitalization English letter and small letter English alphabet;
C). finger print information collection, PC prompting user is placed on finger on fingerprint reader, and USB flash drive gathers user's finger print information by fingerprint reader, and the finger print information gathering is preserved;
D). finger print information is encrypted, and USB flash drive is encrypted the user fingerprints information collecting and private key through reversible symmetric encipherment algorithm AES, forms and encrypts rear data
;
E). character password is encrypted, and USB flash drive is encrypted the character password collecting through reversible symmetric encipherment algorithm AES, forms and encrypts rear data
;
F). generate private data file, by the data after encrypting
,
form private data file together with PKI, be stored in USB flash drive;
G). arranged, PC provides the information that USB flash drive setting completes, and points out user USB flash drive can be extracted;
Described stored value card PayPal is crossed following steps and is realized:
1). equipment connection, USB flash drive is connected with PC, and moves the electronic wallet application in USB flash drive, enter the flow process of transferring accounts;
2). Password Input, PC reminding user input character password, user is by PC input character password, and PC is sent to USB flash drive by the password of input and carries out verification;
3). cryptographic check, first electronic wallet application utilizes reversible symmetric encipherment algorithm AES to data
be decrypted, the character password arranging before obtaining, and judge that whether the password that user inputs is consistent with the character password arranging before, if consistent, cryptographic check is passed through, and performs step 4); If inconsistent, cryptographic check failure, reminding user re-enters password, execution step 2);
4). obtain private data file, obtain the private data file in USB flash drive, utilize character password and reversible symmetric encipherment algorithm AES to be decrypted the record of transferring accounts after encrypting, obtain the record of transferring accounts; And PKI, the record of transferring accounts are sent to PC, check for user; Now, user's private key is still in the encrypted state in finger print data;
5). initiate payment, user is by the PC input information of transferring accounts, and PC points out user to input finger print information, to authorize;
6). decrypted private key, electronic wallet application is obtained user's finger print information by fingerprint reader, and the finger print information that then utilization is obtained and reversible symmetric encipherment algorithm AES are to data
be decrypted, and judgement can decrypt private key, if decrypt private key, perform step 7); As do not decrypted private key, show that the finger print information of input is incorrect, prompting user re-starts fingerprint authentication, execution step 5);
7). the mandate of transferring accounts, utilize step 6) in the mandate of transferring accounts of the private key that decrypts, send payment, and remove the private key in internal memory;
8). preserve the record of transferring accounts, electronic wallet application is transferred accounts this payment to record and is utilized character password and reversible symmetric encipherment algorithm to be encrypted, and forms the record of transferring accounts after encrypting, and is kept in USB flash drive;
9). paid, PC provides the information having paid, and points out user USB flash drive can be extracted.
In order to ensure the storage security of data, prevent from damaging, can carry out back-up storage to data.Wherein the data volume of publicly-owned data is larger, and can again obtain by network, therefore, and without publicly-owned data are backed up.Private data is stored in a file, and size is less, when each renewal, it is backuped in other multiple files of USB flash drive (being advisable for 2-10) simultaneously.
The method of payment of the electronic purse system based on encrypting fingerprint of the present invention, utilizing the finger print information that user inputs to be decrypted private key, while only having the finger print information of inputting to come from same people with the finger print information that the stage is set, just can complete payment in the time paying, guarantee the security paying.Because private key, PKI, character password and finger print information are all stored in USB flash drive, only connected to the network in the time paying, avoid assault, wooden horse to steal the generation of phenomenon, guarantee fund security.
Claims (3)
1. the method for payment of the electronic purse system based on encrypting fingerprint, described electronic purse system is made up of USB flash drive, USB flash drive comprises internal flash chip (2), fingerprint reader (3) and USB interface (4), internal flash chip is for store electrons wallet application and related data, fingerprint reader is for gathering user's finger print information, and USB flash drive is connected with PC by USB interface; It is characterized in that, described method of payment comprises stored value card setting and stored value card payment step;
Stored value card setting realizes by following steps:
A). connection device working procedure, by USB interface, USB flash drive is connected with PC, and moves the electronic wallet application in USB flash drive, enter setting procedure;
B). character password setting, point out user to carry out character password setting by PC, require user to input password by PC; Whether the character password that judges twice input of user is consistent, if consistent, the password of input is saved in USB flash drive, and character password arranges successfully, and execution step c); If inconsistent, point out user to re-enter;
C). finger print information collection, PC prompting user is placed on finger on fingerprint reader, and USB flash drive gathers user's finger print information by fingerprint reader, and the finger print information gathering is preserved;
D). finger print information is encrypted, and USB flash drive is encrypted the user fingerprints information collecting and private key through reversible symmetric encipherment algorithm AES, forms and encrypts rear data
;
E). character password is encrypted, and USB flash drive is encrypted the character password collecting through reversible symmetric encipherment algorithm AES, forms and encrypts rear data
;
F). generate private data file, by the data after encrypting
,
form private data file together with PKI, be stored in USB flash drive;
G). arranged, PC provides the information that USB flash drive setting completes, and points out user USB flash drive can be extracted;
Described stored value card PayPal is crossed following steps and is realized:
1). equipment connection, USB flash drive is connected with PC, and moves the electronic wallet application in USB flash drive, enter the flow process of transferring accounts;
2). Password Input, PC reminding user input character password, user is by PC input character password, and PC is sent to USB flash drive by the password of input and carries out verification;
3). cryptographic check, first electronic wallet application utilizes reversible symmetric encipherment algorithm AES to data
be decrypted, the character password arranging before obtaining, and judge that whether the password that user inputs is consistent with the character password arranging before, if consistent, cryptographic check is passed through, and performs step 4); If inconsistent, cryptographic check failure, reminding user re-enters password, execution step 2);
4). obtain private data file, obtain the private data file in USB flash drive, utilize character password and reversible symmetric encipherment algorithm AES to be decrypted the record of transferring accounts after encrypting, obtain the record of transferring accounts; And PKI, the record of transferring accounts are sent to PC, check for user; Now, user's private key is still in the encrypted state in finger print data;
5). initiate payment, user is by the PC input information of transferring accounts, and PC points out user to input finger print information, to authorize;
6). decrypted private key, electronic wallet application is obtained user's finger print information by fingerprint reader, and the finger print information that then utilization is obtained and reversible symmetric encipherment algorithm AES are to data
be decrypted, and judgement can decrypt private key, if decrypt private key, perform step 7); As do not decrypted private key, show that the finger print information of input is incorrect, prompting user re-starts fingerprint authentication, execution step 5);
7). the mandate of transferring accounts, utilize step 6) in the mandate of transferring accounts of the private key that decrypts, send payment, and remove the private key in internal memory;
8). preserve the record of transferring accounts, electronic wallet application is transferred accounts this payment to record and is utilized character password and reversible symmetric encipherment algorithm to be encrypted, and forms the record of transferring accounts after encrypting, and is kept in USB flash drive;
9). paid, PC provides the information having paid, and points out user USB flash drive can be extracted.
2. the method for payment of the electronic purse system based on encrypting fingerprint according to claim 1, is characterized in that: described character password is the combination of arabic numeral, capitalization English letter and small letter English alphabet.
3. the method for payment of the electronic purse system based on encrypting fingerprint according to claim 1 and 2, is characterized in that: the method for payment of the described electronic purse system based on encrypting fingerprint is applied to the payment of bit coin.
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|---|---|---|---|
| CN201410391602.4A CN104200363B (en) | 2014-08-11 | 2014-08-11 | A kind of method of payment of the electronic purse system based on encrypting fingerprint |
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|---|---|---|---|
| CN201410391602.4A CN104200363B (en) | 2014-08-11 | 2014-08-11 | A kind of method of payment of the electronic purse system based on encrypting fingerprint |
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| CN104200363A true CN104200363A (en) | 2014-12-10 |
| CN104200363B CN104200363B (en) | 2017-07-04 |
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| CN201410391602.4A Active CN104200363B (en) | 2014-08-11 | 2014-08-11 | A kind of method of payment of the electronic purse system based on encrypting fingerprint |
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Cited By (11)
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|---|---|---|---|---|
| CN104811310A (en) * | 2015-03-30 | 2015-07-29 | 赵宇翔 | Display method and wearing device |
| CN104856385A (en) * | 2015-04-28 | 2015-08-26 | 百度在线网络技术（北京）有限公司 | Intelligent wallet and user account information acquisition method based on intelligent wallet |
| CN104915584A (en) * | 2015-06-03 | 2015-09-16 | 深圳市沃特沃德科技有限公司 | Intelligent mobile terminal random encryption and decryption system based on fingerprint characteristics |
| WO2016183867A1 (en) * | 2015-05-21 | 2016-11-24 | 宇龙计算机通信科技(深圳)有限公司 | Secure mobile payment method, system and terminal |
| CN106296197A (en) * | 2015-06-25 | 2017-01-04 | 深圳市中兴微电子技术有限公司 | A kind of method, apparatus and system of payment |
| WO2017016241A1 (en) * | 2015-07-29 | 2017-02-02 | 腾讯科技（深圳）有限公司 | Data transfer method, mobile terminal, server and system |
| CN108681890A (en) * | 2018-05-21 | 2018-10-19 | 北京橙鑫数据科技有限公司 | Processing method, processing equipment and the processing system of private information |
| CN108898388A (en) * | 2018-06-13 | 2018-11-27 | 北京小米移动软件有限公司 | Method of payment and device |
| CN109978535A (en) * | 2017-12-28 | 2019-07-05 | 李耀庭 | A kind of private key processing method of stored value card |
| CN110807624A (en) * | 2019-10-08 | 2020-02-18 | 南京晶达微电子科技有限公司 | Digital currency hardware cold wallet system and transaction method thereof |
| CN116882997A (en) * | 2023-08-08 | 2023-10-13 | 重庆嗨客网络科技有限公司 | Network security payment method |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104811310A (en) * | 2015-03-30 | 2015-07-29 | 赵宇翔 | Display method and wearing device |
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| CN104915584A (en) * | 2015-06-03 | 2015-09-16 | 深圳市沃特沃德科技有限公司 | Intelligent mobile terminal random encryption and decryption system based on fingerprint characteristics |
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| WO2017016241A1 (en) * | 2015-07-29 | 2017-02-02 | 腾讯科技（深圳）有限公司 | Data transfer method, mobile terminal, server and system |
| CN109978535A (en) * | 2017-12-28 | 2019-07-05 | 李耀庭 | A kind of private key processing method of stored value card |
| CN108681890A (en) * | 2018-05-21 | 2018-10-19 | 北京橙鑫数据科技有限公司 | Processing method, processing equipment and the processing system of private information |
| CN108898388A (en) * | 2018-06-13 | 2018-11-27 | 北京小米移动软件有限公司 | Method of payment and device |
| CN110807624A (en) * | 2019-10-08 | 2020-02-18 | 南京晶达微电子科技有限公司 | Digital currency hardware cold wallet system and transaction method thereof |
| CN116882997A (en) * | 2023-08-08 | 2023-10-13 | 重庆嗨客网络科技有限公司 | Network security payment method |
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| Publication number | Publication date |
|---|---|
| CN104200363B (en) | 2017-07-04 |
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