CN105761078A - Electronic currency payment system and method thereof - Google Patents
Electronic currency payment system and method thereof Download PDFInfo
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- CN105761078A CN105761078A CN201610080978.2A CN201610080978A CN105761078A CN 105761078 A CN105761078 A CN 105761078A CN 201610080978 A CN201610080978 A CN 201610080978A CN 105761078 A CN105761078 A CN 105761078A
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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
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- G06Q20/38—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
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- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses an electronic currency payment system and a method thereof, and belongs to the field of electronic commerce. The electronic currency payment system comprises a registration management center server, a secret key management center server and multiple payment terminals. The electronic currency payment system is compatible with the centralized management technology and the decentralized management technology, the electronic currency system performing direct interaction between users is realized, and two transaction parties adopt the encryption and authentication technology based on identification to perform information encryption and decryption and mutual authentication so that the data are ensured to be secure and tamperproof in the transaction process.
Description
Technical field
The invention belongs to e-commerce field.
Background technology
Based on the commodity transaction of conventional currency, when can cause transaction fee, pay dumb, not convenient, the problem that simultaneously also there will be false proof and anti-repeatability aspect, can follow the tracks of it addition, conclude the business, the safety of whole transaction is also brought hidden danger.
Along with the appearance of the Internet, the world has slowly become global village, and ecommerce breaks out like the mushrooms after rain along with the universal of the Internet, and the status of electronic money have also been obtained very big prominent.Electronic money tradings most at present, it it is all the support needing the on-line payment system based on the Internet, e-bank's payment system of each bank is had a style of one's own, complete docking is there is no with other bank payment systems, if user wants to initiate from bank A to bank B to transfer accounts or pay the bill, it is impossible to accomplishes low cost, realize fast, easily.And current payment system has the disadvantage in that
1. encryption key distribution and management need the support of third-party CA (authentication center), there is potential safety hazard；
2. spendable key is few, if key is cracked, affected area can be relatively larger；
3. key keeping aspect, can only adopt the mode (ukey, PSAM card) of hardware, limit domestic consumer's use to electronic money, be not convenient to use；
4. for small amount, high frequency, in real time, the payment scene of many industry situations, existing electronic-monetary system universality is poor, even with the mode of a card multi-key cipher, the key number supported is limited, does not accomplish that large area is inter-trade general, limits development and the application of electronic money.
Summary of the invention
It is an object of the invention to provide a kind of electronic money payment system and method thereof, non-stop layer technology can be adopted during use, achieve and between user, be made directly mutual electronic-monetary system, both parties adopt identify-based encryption and authentication techniques to carry out information encryption and decryption and being mutually authenticated, it is ensured that data safety in process of exchange and prevent from distorting.
For achieving the above object, the present invention is by the following technical solutions:
A kind of electronic money payment system, including Register Authority's server, KMC's server and several payment terminals, Register Authority's server is connected with KMC server by the Internet or special line, described payment terminal is provided with wireless transport module and terminal interaction module, each payment terminal connects the Internet and by the Internet and Register Authority's server communication each through wireless transport module, interacts communication by terminal interaction module between any two payment terminal.
Described wireless transport module is GPRS module, gsm module, CDMA module, LTE module or wifi module.
Described mobile phone interaction module is NFC module, wifi module, bluetooth module, zigbee module, Quick Response Code identification module or audio-frequency module.
Described payment terminal is additionally provided with the human-computer interaction interface for providing the user operation interface.
Described special line is physical network special line or virtual network special line.
Based on the electronic money payment method of described a kind of electronic money payment system, comprise the following steps:
Step 1: all of payment terminal is all registered to Register Authority's server, the step of each payment terminal registration is following steps:
A. payment terminal sends user's registration information to Register Authority's server, and Register Authority's server distributes unique ID id information or service identification information to payment terminal；
B. described ID id information or described service identification information are sent to KMC's server by Register Authority's server；
C. KMC's server generates described public key information and described private key information according to described ID id information or described service identification information, and described public key information and described private key information are sent to Register Authority's server；
D. described public key information and described private key information are encrypted and are sent to payment terminal by Register Authority's server again, ID id information or service identification information are issued payment terminal simultaneously；
E. described public key information and described private key information are all in payment terminal encryption storage；
Step 2: both parties are divided into Party A and Party B, the described payment terminal that Party A holds is Party A's payment terminal, the described payment terminal that Party B holds is Party B's payment terminal, and described Party A's payment terminal and described Party B's payment terminal have been registered to Register Authority's server each through described step 1；
Step 3: Party A's payment terminal reads account data from Register Authority's server, and described account data is stored, described account data is the electronic money value data of Party A；
Step 4: Party A's payment terminal automatically generates a random number R, the private key information of described random number R and Party A is processed into Party A's signing messages by Party A's payment terminal, and the ID id information of Party A's signing messages and Party A is sent jointly to Party B's payment terminal by Party A's payment terminal；
Step 5: Party B's payment terminal receives the ID id information of Party A's signing messages and Party A, Party B's payment terminal ID id information according to described Party A and the PKI matrix in Party B's terminal, calculates the public key information of Party A；
Step 6: described Party A's signing messages is verified by Party B's payment terminal according to the public key information of Party A, as being proved to be successful then execution step 7；As verified unsuccessful then prompting sign test failure, perform step 13；
Step 7: Party B's payment terminal generates a random number X, the private key information of described random number X and Party B is processed into Party B's signing messages by Party B's payment terminal, and the ID id information of Party B's signing messages and Party B is sent jointly to Party A's payment terminal by Party B's payment terminal；
Step 8: Party A's payment terminal receives the ID id information of Party B's signing messages and Party B, Party A's payment terminal according to the ID id information of described Party B from and at the PKI matrix of Party A's terminal, calculate the public key information of Party B；
Step 9: described Party B's signing messages is verified by Party A's payment terminal according to the public key information of Party B, as being proved to be successful then execution step 10；As verified unsuccessful then prompting sign test failure, perform step 13；
Step 10: Party A's payment terminal automatically generates a random number Y, Party A's payment terminal generates payment information, and with the public key information of described random number Y and Party B, described payment information is encrypted；Described Party A's payment terminal produces to pay signing messages according to the private key information of Party A, and the payment information after encryption and described payment signing messages are sent to Party B's payment terminal by Party A's payment terminal；
Step 11: described payment signing messages is verified by Party B's payment terminal according to the public key information of Party A, as being proved to be successful then execution step 12；As verified unsuccessful then prompting sign test failure, perform step 13；
Step 12: Party B's payment terminal utilizes the private key information of Party B that the payment information after encryption is decrypted, thus obtaining electronic money；
Step 13: Party A's payment terminal and Party B's payment terminal all wipe the private key information in respective memory headroom and public key information or with the private key information in other dirty data covering memory spaces and public key information；Both sides close the trade.
A kind of electronic money payment system of the present invention and method thereof, non-stop layer technology can be adopted during use, centralization can also have been supported, achieve and between user, be made directly mutual electronic-monetary system, both parties adopt and carry out information encryption and decryption based on Ckeys technology and identify-based encryption and authentication techniques and be mutually authenticated, it is ensured that data safety in process of exchange and prevent from distorting；Meanwhile, adopt distributed settlement mode, be substantially reduced the pressure to server, save the cost that hardware is disposed, improve the efficiency of transaction；Beneficial effects of the present invention is as follows:
Spendable key number is magnanimity, does not have key and repeats；Support small amount, high frequency, in real time, the payment demand of many industry situations (inter-trade) so that electronic money has the characteristic of common currency；The encryption key distribution of electronic money is not by the constraint of terminal, and universality is good, pays flexible；The key number preserved in the terminal is not affected by restraint of trade；Can non-stop layer, it is not necessary to CA, key is in the process used, it is not necessary to carry out key exchange；If the key of the electronic money of certain user is compromised, without influence on the key safety of other users；Under the protection of safe control, the key at the electronic money of lane terminal can carry out remote upgrade；Anonymity, except both parties, and outside the off line Accounting system on backstage, other people cannot obtain Transaction Information；
The encryption key of transaction is to update every time, it is prevented that data are forged and distort, and the situation that transaction data is tracked；Holding risk little, if the data of a side lost, if another data are still effective, then can pass through the calculation of settling accounts on backstage and the transaction data that an other side preserves, inverse goes out to lose the Transaction Information of data one side；For the user of the electronic money holding this patent, electronic money is more convenient than common physical monetary, safety, reliably；This patent supports off-line and online electronic money.
Accompanying drawing explanation
Fig. 1 is principles of the invention block diagram；
Fig. 2 is the register flow path figure of the present invention；
Fig. 3 is the transaction flow figure of the present invention；
Detailed description of the invention
Embodiment 1:
A kind of electronic money payment system as shown in Figure 1, including Register Authority's server, KMC's server and several payment terminals, Register Authority's server is connected with KMC server by the Internet or special line, described payment terminal is provided with wireless transport module and terminal interaction module, each payment terminal connects the Internet and by the Internet and Register Authority's server communication each through wireless transport module, communication is interacted by terminal interaction module between any two payment terminal, trade mode is no longer based on the integrated system (such as Fig. 1) at settlement management center, but user and user directly set up payment channel, based on this without CA, distributed payment mode, one system working pressure alleviating settlement center, save user profile transmission cost；Two come that user transfers accounts, process of consumption becomes flexible, it is not necessary to use for the inter-bank higher fee of expenditure of transferring accounts.
Described wireless transport module is GPRS module, gsm module, CDMA module, LTE module or wifi module.
Described terminal interaction module is NFC module, wifi module, bluetooth module, zigbee module, Quick Response Code identification module or audio-frequency module.
Described payment terminal is additionally provided with the human-computer interaction interface for providing the user operation interface.
Described special line is network special line, including physical network special line, virtual network special line.
Embodiment 2:
As shown in Figure 2 based on the electronic money payment method of a kind of electronic money payment system described in embodiment 1, comprise the following steps:
Step 1: all of payment terminal is all registered to Register Authority's server, the step of each payment terminal registration is following steps:
A. payment terminal sends user's registration information to Register Authority's server, and Register Authority's server distributes unique ID id information or service identification information to payment terminal；
B. described ID id information or described service identification information are sent to KMC's server by Register Authority's server；
C. KMC's server generates described public key information and described private key information according to described ID id information or described service identification information, and described public key information and described private key information are sent to Register Authority's server；
D. described public key information and described private key information are encrypted and are sent to payment terminal by Register Authority's server again, ID id information or service identification information are issued payment terminal simultaneously, or the mode of employing ukey or CPU card is to user；
E. described public key information and described private key information are all in payment terminal encryption storage；
Step 2 as shown in Figure 3: both parties are divided into Party A and Party B, the described payment terminal that Party A holds is Party A's payment terminal, the described payment terminal that Party B holds is Party B's payment terminal, and described Party A's payment terminal and described Party B's payment terminal have been registered to Register Authority's server each through described step 1；
Step 3: Party A's payment terminal reads account data from Register Authority's server, and described account data is stored, described account data is the electronic money value data of Party A；
Step 4: Party A's payment terminal automatically generates a random number R, the private key information of described random number R and Party A is processed into Party A's signing messages by Party A's payment terminal, and the ID id information of Party A's signing messages and Party A is sent jointly to Party B's payment terminal by Party A's payment terminal；
Step 5: Party B's payment terminal receives the ID id information of Party A's signing messages and Party A, Party B's payment terminal ID id information according to described Party A and the PKI matrix in Party B's terminal, calculates the public key information of Party A；
Step 6: described Party A's signing messages is verified by Party B's payment terminal according to the public key information of Party A, as being proved to be successful then execution step 7；As verified unsuccessful then prompting sign test failure, perform step 13；
Step 7: Party B's payment terminal generates a random number X, the private key information of described random number X and Party B is processed into Party B's signing messages by Party B's payment terminal, and the ID id information of Party B's signing messages and Party B is sent jointly to Party A's payment terminal by Party B's payment terminal；
Step 8: Party A's payment terminal receives the ID id information of Party B's signing messages and Party B, Party A's payment terminal according to the ID id information of described Party B from and at the PKI matrix of Party A's terminal, calculate the public key information of Party B；
Step 9: described Party B's signing messages is verified by Party A's payment terminal according to the public key information of Party B, as being proved to be successful then execution step 10；As verified unsuccessful then prompting sign test failure, perform step 13；
Step 10: Party A's payment terminal automatically generates a random number Y, Party A's payment terminal generates payment information, and with the public key information of described random number Y and Party B, described payment information is encrypted；Described Party A's payment terminal produces to pay signing messages according to the private key information of Party A, and the payment information after encryption and described payment signing messages are sent to Party B's payment terminal by Party A's payment terminal；
Step 11: described payment signing messages is verified by Party B's payment terminal according to the public key information of Party A, as being proved to be successful then execution step 12；As verified unsuccessful then prompting sign test failure, perform step 13；
Step 12: Party B's payment terminal utilizes the private key information of Party B that the payment information after encryption is decrypted, thus obtaining electronic money；
Step 13: Party A's payment terminal and Party B's payment terminal all wipe the private key information in respective memory headroom and public key information or with the private key information in other dirty data covering memory spaces and public key information；Both sides close the trade.
Key of the present invention, under the encipherment protection of safe control, is stored in safe region, has stronger safety；Support small amount, high frequency, in real time, the payment demand of many industry situations (inter-trade) so that electronic money has the characteristic of common currency；The encryption key distribution of electronic money is not by the constraint of terminal, and universality is good, pays flexible；Spendable key number is magnanimity, and the key number preserved in the terminal is not affected by restraint of trade；If the key of the electronic money of certain user is compromised, without influence on the key safety of other users；Under the protection of safe control, the key at the electronic money of lane terminal can carry out remote upgrade；Anonymity, except both parties, and outside background account system, other people cannot obtain Transaction Information.
Claims (6)
1. an electronic money payment system, it is characterized in that: include Register Authority's server, KMC's server and several payment terminals, Register Authority's server is connected with KMC server by the Internet or special line, described payment terminal is provided with wireless transport module and terminal interaction module, each payment terminal connects the Internet and by the Internet and Register Authority's server communication each through wireless transport module, interacts communication by terminal interaction module between any two payment terminal.
2. a kind of electronic money payment system as claimed in claim 1, it is characterised in that: described wireless transport module is GPRS module, gsm module, CDMA module, LTE module or wifi module.
3. a kind of electronic money payment system as claimed in claim 1, it is characterised in that: described terminal interaction module is NFC module, wifi module, bluetooth module, zigbee module, Quick Response Code identification module or audio-frequency module.
4. a kind of electronic money payment system as claimed in claim 1, it is characterised in that: described payment terminal is additionally provided with the human-computer interaction interface for providing the user operation interface.
5. a kind of electronic money payment system as claimed in claim 1, it is characterised in that: described special line is physical network special line or virtual network special line.
6., based on the electronic money payment method of a kind of electronic money payment system described in power 1, comprise the following steps:
Step 1: all of payment terminal is all registered to Register Authority's server, the step of each payment terminal registration is following steps:
A. payment terminal sends user's registration information to Register Authority's server, and Register Authority's server distributes unique ID id information or service identification information to payment terminal；
B. described ID id information or described service identification information are sent to KMC's server by Register Authority's server；
C. KMC's server generates described public key information and described private key information according to described ID id information or described service identification information, and described public key information and described private key information are sent to Register Authority's server；
D. described public key information and described private key information are encrypted and are sent to payment terminal by Register Authority's server again, ID id information or service identification information are issued payment terminal simultaneously；
E. described public key information and described private key information are all in payment terminal encryption storage；
Step 2: both parties are divided into Party A and Party B, the described payment terminal that Party A holds is Party A's payment terminal, the described payment terminal that Party B holds is Party B's payment terminal, and described Party A's payment terminal and described Party B's payment terminal have been registered to Register Authority's server each through described step 1；
Step 3: Party A's payment terminal reads account data from Register Authority's server, and described account data is stored, described account data is the electronic money value data of Party A；
Step 4: Party A's payment terminal automatically generates a random number R, the private key information of described random number R and Party A is processed into Party A's signing messages by Party A's payment terminal, and the ID id information of Party A's signing messages and Party A is sent jointly to Party B's payment terminal by Party A's payment terminal；
Step 5: Party B's payment terminal receives the ID id information of Party A's signing messages and Party A, Party B's payment terminal ID id information according to described Party A and the PKI matrix in Party B's terminal, calculates the public key information of Party A；
Step 6: described Party A's signing messages is verified by Party B's payment terminal according to the public key information of Party A, as being proved to be successful then execution step 7；As verified unsuccessful then prompting sign test failure, perform step 13；
Step 7: Party B's payment terminal generates a random number X, the private key information of described random number X and Party B is processed into Party B's signing messages by Party B's payment terminal, and the ID id information of Party B's signing messages and Party B is sent jointly to Party A's payment terminal by Party B's payment terminal；
Step 8: Party A's payment terminal receives the ID id information of Party B's signing messages and Party B, Party A's payment terminal ID id information according to described Party B and the PKI matrix in Party A's terminal, calculates the public key information of Party B；
Step 9: described Party B's signing messages is verified by Party A's payment terminal according to the public key information of Party B, as being proved to be successful then execution step 10；As verified unsuccessful then prompting sign test failure, perform step 13；
Step 10: Party A's payment terminal automatically generates a random number Y, Party A's payment terminal generates payment information, and with the public key information of described random number Y and Party B, described payment information is encrypted；Described Party A's payment terminal produces to pay signing messages according to the private key information of Party A, and the payment information after encryption and described payment signing messages are sent to Party B's payment terminal by Party A's payment terminal；
Step 11: described payment signing messages is verified by Party B's payment terminal according to the public key information of Party A, as being proved to be successful then execution step 12；As verified unsuccessful then prompting sign test failure, perform step 13；
Step 12: Party B's payment terminal utilizes the private key information of Party B that the payment information after encryption is decrypted, thus obtaining electronic money；
Step 13: Party A's payment terminal and Party B's payment terminal all wipe the private key information in respective memory headroom and public key information or with the private key information in other dirty data covering memory spaces and public key information；Both sides close the trade.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201610080978.2A CN105761078A (en) | 2016-02-04 | 2016-02-04 | Electronic currency payment system and method thereof |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610080978.2A CN105761078A (en) | 2016-02-04 | 2016-02-04 | Electronic currency payment system and method thereof |
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| CN105761078A true CN105761078A (en) | 2016-07-13 |
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| CN201610080978.2A Pending CN105761078A (en) | 2016-02-04 | 2016-02-04 | Electronic currency payment system and method thereof |
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| CN106327186A (en) * | 2016-08-31 | 2017-01-11 | 中城智慧科技有限公司 | Offline payment method based on NFC |
| CN109583882A (en) * | 2018-10-31 | 2019-04-05 | 上海未面信息科技有限公司 | A kind of the hardware Wallet System and method of commerce of virtual coin |
| WO2019137067A1 (en) * | 2018-01-11 | 2019-07-18 | 华为技术有限公司 | Key distribution method, device and system |
| CN114565382A (en) * | 2022-03-01 | 2022-05-31 | 汪泽希 | Transaction account anonymous payment method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106327186A (en) * | 2016-08-31 | 2017-01-11 | 中城智慧科技有限公司 | Offline payment method based on NFC |
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| CN114565382A (en) * | 2022-03-01 | 2022-05-31 | 汪泽希 | Transaction account anonymous payment method and system |
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Application publication date: 20160713 |