CN111127003B - Wallet account payment method, device and storage medium - Google Patents
Wallet account payment method, device and storage medium Download PDFInfo
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- CN111127003B CN111127003B CN201911338296.7A CN201911338296A CN111127003B CN 111127003 B CN111127003 B CN 111127003B CN 201911338296 A CN201911338296 A CN 201911338296A CN 111127003 B CN111127003 B CN 111127003B
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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
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention provides a wallet account payment method, equipment and storage medium, wherein a wallet is configured with an imported user private key and a wallet private key generated or acquired when initializing the wallet, the wallet private key is not disclosed to the user, and the method comprises the following steps: generating a user account transfer transaction of transferring a plurality of assets in a user address corresponding to a user private key to a wallet address corresponding to a wallet private key and sending the user account transfer transaction to a blockchain node; wallet account transfer transactions are generated and sent for payment based on the assets in the wallet address. According to the invention, the wallet private key which is not disclosed to the user is configured in the wallet, the assets in the user address are transferred to the wallet address, and then the payment is carried out through the assets in the wallet address, so that the user can not transfer the assets to be paid through another online device while paying, and the double-flower security risk in business scenes such as offline is avoided.
Description
Technical Field
The application relates to the technical field of internet, in particular to a wallet account payment method, wallet account payment equipment and a wallet account storage medium.
Background
In offline payment, or other business scenarios where transactions need to be sent first to a checkout terminal or a centralized server (rather than directly to a blockchain network), there is a potential safety hazard of the double-flower problem. For example, in the offline environment, the user side of the user a generates an offline transaction tx1 through the private key p and sends the offline transaction tx1 to the user side of the user b, and at the same time, the user c in series with the user a generates an online transaction tx2 through the private key p in the online environment to transfer all the assets away, so that the user b cannot execute the transaction tx1 successfully after returning to the online environment.
Disclosure of Invention
In view of the foregoing drawbacks or shortcomings in the prior art, it is desirable to provide a wallet account payment method, apparatus and storage medium that avoids double-flower security risks in business scenarios such as offline.
In a first aspect, the present invention provides a wallet account payment method, a wallet being configured with an imported user private key, and a wallet private key generated or obtained when initializing the wallet, the wallet private key not being disclosed to the user, the method comprising:
generating a user account transfer transaction of transferring a plurality of assets in a user address corresponding to a user private key to a wallet address corresponding to a wallet private key and sending the user account transfer transaction to a blockchain node;
wallet account transfer transactions are generated and sent for payment based on the assets in the wallet address.
In a second aspect, the present invention also provides an apparatus comprising one or more processors and a memory, wherein the memory contains instructions executable by the one or more processors to cause the one or more processors to perform the wallet account payment method provided in accordance with embodiments of the present invention.
In a third aspect, the present invention also provides a storage medium storing a computer program that causes a computer to execute the wallet account payment method provided according to the embodiments of the present invention.
According to the wallet account payment method, device and storage medium provided by the embodiments of the invention, the wallet private key which is not disclosed to the user is configured in the wallet, the assets in the user address are transferred to the wallet address, and then the payment is carried out through the assets in the wallet address, so that the user can not transfer the assets to be paid through another online device while paying, and the double-flower security risk in business scenes such as offline is avoided;
according to the wallet account payment method, the wallet account payment equipment and the wallet account payment storage medium provided by some embodiments of the invention, the function of automatically converting the assets in the wallet address back to the user address under a certain condition is further configured in the contract, so that the safety of the assets in the wallet address is ensured under the condition that the wallet private key is lost; meanwhile, the asset recovery information is maintained locally, and the asset recovery information is sent before the wallet asset transfer transaction is sent so as to be verified whether the receiving party accepts the asset recovery information or not, so that double flower risks caused by automatic asset recovery are avoided.
Drawings
Other features, objects and advantages of the present application will become more apparent upon reading of the detailed description of non-limiting embodiments, made with reference to the following drawings, in which:
fig. 1 is a flowchart of a wallet account payment method according to an embodiment of the present invention.
Fig. 2 is a flow chart of a preferred embodiment of the method of fig. 1.
Fig. 3 is a flow chart of a preferred embodiment of the method of fig. 1.
Fig. 4 is a schematic structural diagram of an apparatus according to an embodiment of the present invention.
Detailed Description
The present application is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be noted that, for convenience of description, only the portions related to the invention are shown in the drawings.
It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be combined with each other. The present application will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.
Fig. 1 is a flowchart of a wallet account payment method according to an embodiment of the present invention.
As shown in fig. 1, in this embodiment, the present invention provides a wallet account payment method, in which a wallet is configured with an imported user private key, and a wallet private key generated or acquired when initializing the wallet, the wallet private key not being disclosed to the user, the method comprising:
s12: generating a user account transfer transaction of transferring a plurality of assets in a user address corresponding to a user private key to a wallet address corresponding to a wallet private key and sending the user account transfer transaction to a blockchain node;
s14: wallet account transfer transactions are generated and sent for payment based on the assets in the wallet address.
Specifically, the method is exemplarily described below by taking offline payment from the user a to the user b as an example.
When user A initializes wallet a in user side, wallet a generates wallet private key p not disclosed to user 1 And corresponding wallet public key P 1 Wallet address addr 1 At the same time, the user private key p is imported 2 (corresponding user public Key P 2 The user address is addr 2 )。
When the user A inputs an instruction for transferring 1000aaa money in the user account to the wallet account to the user side in the online environment, the user A user side performs step S12, through p 2 Signature generation 1000aaa coin from addr 2 Transfer to addr 1 And (2) sends tx1 to the blockchain node.
Block link point receives, broadcasts, packages and executes tx1, 1000 aaaa coin from addr 2 Transfer to addr 1 。
The user side of the user A maintains the balance of the wallet account (1000 aaa coin) in the wallet a according to the data of the blockchain.
When the user a inputs an instruction for performing offline payment of 600aaa coins to the user b in the offline environment, the user b executes step S14 to obtain the collecting address addr of the user b in a preconfigured manner 3 After that, through p 1 Signature generation removes 600aaa coin from addr 1 Transfer to addr 3 And (2) transmitting tx2 to the user side of the user b.
After receiving tx2, the ue of the second user sends tx2 to the blockchain node after returning to the online environment to complete the offline payment.
Preferably, the wallet account transfer transaction tx2 further includes encryption verification information configured by the wallet app, and after receiving tx2, the user side of the user b can verify whether tx2 is a wallet account transfer transaction through an encryption verification mode preconfigured by the wallet app.
The above example illustrates the method shown in fig. 1 by taking the offline payment of user a to user b in an offline environment, and in further embodiments, the method may be further adapted to send wallet account transfer transactions to other receiving terminals or terminals designated by other business logic in an offline environment, or directly send wallet account transfer transactions to a blockchain node in an online environment, or other different business scenarios.
According to the embodiment, the wallet private key which is not disclosed to the user is configured in the wallet, the assets in the user address are transferred to the wallet address, and then the payment is carried out through the assets in the wallet address, so that the fact that the user cannot transfer the assets to be paid through another online device while paying is guaranteed, and double-flower security risks in business scenes such as offline are avoided.
Fig. 2 is a flow chart of a preferred embodiment of the method of fig. 1. In a preferred embodiment, as shown in fig. 2, the method further comprises:
s16: locally maintaining a wallet account available balance of a wallet address based on each transmitted wallet account transfer transaction;
step S14 includes:
s141: verifying whether the wallet account available balance is not less than the amount of assets to be paid:
if not, then step S143 is performed: the payment fails;
if yes, step S145 is executed: wallet account transfer transactions are generated and sent through wallet private key signatures.
Taking offline payment by the user a as an example, in this embodiment, after the user side of the user a sends tx2 to the user side of the user b, the user side of the user a executes step S16 to locally maintain the wallet address addr of the wallet a according to tx2 2 Wallet account available balance (400 aaa coin). It should be noted that at this point wallet account balance for wallet a is still 1000aaa coins, and the maintenance of wallet account balance is performed based on synchronized blockchain data after returning to the online environment.
When the user a inputs an instruction to the user a to make an offline payment of 500aaa money to the user c in an offline environment, the user a performs step S141 of verifying whether the wallet account available balance (400 aaa money) is not less than the asset amount to be paid (500 aaa money):
if not, the payment fails, and an error prompt message with insufficient balance is generated and displayed in a screen to prompt the user A.
Although the solutions shown in fig. 1-2 solve the problem of double-flower security risk in offline service scenarios, a new potential safety hazard is caused, and because the wallet private key is not disclosed to the user, if the user side is lost or the storage medium of the user side is damaged before the user transfers the asset to the wallet address, the asset in the wallet address is permanently lost.
Aiming at the problem, the technical means is required to ensure that the asset in the wallet address can be retrieved, and meanwhile, the means for ensuring that the asset is retrieved is also required to ensure that the double-flower security risk is not caused again.
Fig. 3 is a flow chart of a preferred embodiment of the method of fig. 1. As shown in FIG. 3, in a preferred embodiment, the user account transfer transaction also includes asset recovery parameters;
the first contract for performing a user account transfer transaction is also for transferring the balance of the wallet address to the user address when a pre-configured recovery rule is met in accordance with the asset recovery parameters.
The method further comprises the following steps:
s13: asset recovery information of wallet addresses is maintained locally according to the transmitted user account transfer transactions; the method comprises the steps of,
the asset recovery information is sent before the wallet account transfer transaction is sent offline, so that the receiving terminal can determine whether to accept the wallet account transfer transaction according to the asset recovery information (which can be configured as step S144 shown in fig. 3, or can be configured as a step before step S14, etc.).
In the scenario of offline payment by the user A, the asset recovery parameter is configured as a first time length parameter for filling in a first time length; the retrieval rule is configured to transfer the balance of the wallet address to the user address after a first period of time after the user account transfer transaction is successfully performed, as an example:
in step S12, tx1 generated at the user side of the user a is configured with a first time length parameter S1 (30 days);
the first contract on the blockchain, after successful execution of tx1, is also used to address the wallet addr 30 days after the time point t1 of the successful execution of tx1 1 Transfer of balance to user address addr 2 ；
In step S13, the user terminal of the user a obtains the time point t1 at which tx1 is successfully executed according to the synchronized blockchain data, thereby adding the wallet address addr of the wallet a 1 The asset recovery information of (a) is updated as: asset recovery was performed 30 days after t 1.
Before the user terminal of the user A sends tx2 to the user terminal of the user B, the user terminal of the user A sends asset recovery information (asset recovery is carried out after 30 days of t 1) to the user terminal of the user B, so that the user B judges whether double flower risks exist or not and whether payment of the user A is accepted or not:
if the user B does not accept, the payment is terminated;
if the user B accepts, the user side of the user A sends tx2 to the user side of the user B.
In another preferred embodiment, the asset recovery parameter is configured as a second duration parameter for filling in a second duration; the retrieval rule is configured to transfer the balance of the wallet address to the user address after a second period of time after the last transaction of the one expense asset performed by the wallet address is successfully performed.
In a further preferred embodiment, the asset recovery parameter is configured as a first time parameter for filling out a first time point; the retrieval rule is configured to transfer the balance of the wallet address to the user address after the first point in time.
In a further preferred embodiment, the asset retrieval parameters are configured to identify whether to retrieve the wallet address asset in accordance with a pre-configured rule; the recovery rules are configured to perform asset recovery of the wallet address according to the pre-configured rules when the recovery parameters are not empty.
The embodiment further ensures the safety of the assets in the wallet address under the condition that the wallet private key is lost by configuring the function of automatically converting the assets in the wallet address back to the user address under a certain condition in the contract; meanwhile, the asset recovery information is maintained locally, and the asset recovery information is sent before the wallet asset transfer transaction is sent so as to be verified whether the receiving party accepts the asset recovery information or not, so that double flower risks caused by automatic asset recovery are avoided.
Fig. 4 is a schematic structural diagram of an apparatus according to an embodiment of the present invention.
As shown in fig. 4, as another aspect, the present application also provides an apparatus 400 including one or more Central Processing Units (CPUs) 401, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 402 or a program loaded from a storage section 408 into a Random Access Memory (RAM) 403. In the RAM403, various programs and data required for the operation of the device 400 are also stored. The CPU401, ROM402, and RAM403 are connected to each other by a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.
The following components are connected to the I/O interface 405: an input section 406 including a keyboard, a mouse, and the like; an output portion 407 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker, and the like; a storage section 408 including a hard disk or the like; and a communication section 409 including a network interface card such as a LAN card, a modem, or the like. The communication section 409 performs communication processing via a network such as the internet. The drive 410 is also connected to the I/O interface 405 as needed. A removable medium 411 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed on the drive 410 as needed, so that a computer program read therefrom is installed into the storage section 408 as needed.
In particular, according to embodiments of the present disclosure, the method described in any of the above embodiments may be implemented as a computer software program. For example, embodiments of the present disclosure include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing any of the methods described above. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 409 and/or installed from the removable medium 411.
As yet another aspect, the present application also provides a computer-readable storage medium, which may be a computer-readable storage medium contained in the apparatus of the above-described embodiment; or may be a computer-readable storage medium, alone, that is not assembled into a device. The computer readable storage medium stores one or more programs for use by one or more processors to perform the methods described herein.
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units or modules described in the embodiments of the present application may be implemented by software, or may be implemented by hardware. The described units or modules may also be provided in a processor, for example, each of the units may be a software program provided in a computer or a mobile smart device, or may be separately configured hardware devices. Wherein the names of the units or modules do not in some cases constitute a limitation of the units or modules themselves.
The foregoing description is only of the preferred embodiments of the present application and is presented as a description of the principles of the technology being utilized. It will be appreciated by persons skilled in the art that the scope of the invention referred to in this application is not limited to the specific combinations of features described above, but also covers other embodiments which may be formed by any combination of features described above or their equivalents without departing from the spirit of the application. Such as the above-described features and technical features having similar functions (but not limited to) disclosed in the present application are replaced with each other.
Claims (10)
1. A wallet account payment method, wherein the wallet is configured with an imported user private key and a wallet private key generated or obtained upon initializing the wallet, the wallet private key not being disclosed to the user, the method comprising:
generating a user account transfer transaction of transferring a plurality of assets in a user address corresponding to the user private key to a wallet address corresponding to the wallet private key and sending the user account transfer transaction to a blockchain node;
and generating and transmitting wallet account transfer transactions for payment according to the assets in the wallet address.
2. The method according to claim 1, wherein the method further comprises:
locally maintaining a wallet account available balance of the wallet address based on each transmitted wallet account transfer transaction;
the generating and transmitting wallet account transfer transactions for making payments based on assets in the wallet address includes:
verifying whether the wallet account available balance is not less than an asset amount to be paid:
if not, the payment fails;
and if yes, generating wallet account transfer transaction through the wallet private key signature and sending the wallet account transfer transaction.
3. The method of claim 1 or 2, wherein sending the wallet account transfer transaction comprises:
transmitting the wallet account transfer transaction to a blockchain node in an online environment; or alternatively, the first and second heat exchangers may be,
the wallet account transfer transaction is sent in an offline environment to a receiving terminal or other terminal designated by business logic.
4. The method of claim 1 or 2, wherein the user account transfer transaction further comprises an asset retrieval parameter;
the first contract for executing the user account transfer transaction is further used for transferring the balance of the wallet address to the user address when a preset retrieving rule is met according to the asset retrieving parameter;
the method further comprises the steps of:
locally maintaining asset recovery information for the wallet address according to the transmitted user account transfer transactions;
and transmitting the asset recovery information before transmitting the wallet account transfer transaction offline, so that the receiving terminal can judge whether to accept the wallet account transfer transaction according to the asset recovery information.
5. The method of claim 4, wherein the asset recovery parameter is configured as a first time length parameter for filling in a first time length;
the retrieval rule is configured to transfer the balance of the wallet address to the user address after the first duration of time after the user account transfer transaction is successfully performed.
6. The method of claim 4, wherein the asset recovery parameter is configured as a second duration parameter for filling in a second duration;
the retrieval rule is configured to transfer the balance of the wallet address to the user address after the second duration after successful execution of the latest transaction of one expenditure asset by the wallet address.
7. The method of claim 4, wherein the asset recovery parameter is configured as a first time parameter for filling out a first time point;
the retrieval rule is configured to transfer the balance of the wallet address to the user address after the first point in time.
8. The method of claim 4, wherein the asset retrieval parameters are configured to identify whether to retrieve wallet address asset retrieval parameters according to a pre-configured rule;
the recovery rule is configured to perform asset recovery of the wallet address according to the pre-configured rule when the recovery parameter is not empty.
9. An apparatus, the apparatus comprising:
one or more processors;
a memory for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-8.
10. A storage medium storing a computer program, which when executed by a processor implements the method of any one of claims 1-8.
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