CN111275411A - Digital currency wallet off-line transaction method and system and user identification card - Google Patents

Digital currency wallet off-line transaction method and system and user identification card Download PDF

Info

Publication number
CN111275411A
CN111275411A CN201811476367.5A CN201811476367A CN111275411A CN 111275411 A CN111275411 A CN 111275411A CN 201811476367 A CN201811476367 A CN 201811476367A CN 111275411 A CN111275411 A CN 111275411A
Authority
CN
China
Prior art keywords
transaction
identification card
digital
wallet
digital currency
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CN201811476367.5A
Other languages
Chinese (zh)
Other versions
CN111275411B (en
Inventor
蔡逆水
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Telecom Corp Ltd
Original Assignee
China Telecom Corp Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by China Telecom Corp Ltd filed Critical China Telecom Corp Ltd
Priority to CN201811476367.5A priority Critical patent/CN111275411B/en
Publication of CN111275411A publication Critical patent/CN111275411A/en
Application granted granted Critical
Publication of CN111275411B publication Critical patent/CN111275411B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • 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
    • 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 discloses a digital currency wallet off-line transaction method and system and a user identity identification card. The off-line transaction method of the digital currency wallet comprises the following steps: under the condition of receiving a transaction request, the user identification card verifies whether the digital money wallet of the user identification card currently has the transaction right, wherein the user identification card of the opposite party of the transaction also verifies whether the digital money wallet of the user identification card currently has the transaction right under the condition of receiving the transaction request; under the condition that the digital money purses of both transaction parties have the transaction right at present, the digital money purse of the user identification card and the digital money purse of the opposite transaction party perform transfer operation to complete the transaction. The invention can prevent the illegal person from using the off-line transaction mode to carry out double-flower business risk through the independently designed core transaction logic.

Description

Digital currency wallet off-line transaction method and system and user identification card
Technical Field
The invention relates to the field of electronic payment, in particular to a digital currency wallet offline transaction method and system and a user identity identification card.
Background
"double-flower," i.e., double payment, refers to a situation in a digital monetary system where the same digital asset is reused due to improper operations, due to the reproducibility of the data.
Disclosure of Invention
The applicant considers that the related art third party electronic payment company solves the "double-spending problem", and first, money in the third party electronic payment application exists in a bank account in a billing manner. Such institutions centrally manage the data and prevent the appearance of "double flowers" by modifying and checking the account balance in real time. The disadvantages of this related art are: an offline transaction mode is not supported.
The related technology can solve the problem of 'double flowers' in bit, and the bit currency is a point-to-point electronic cash system adopting block chain technology and adopting decentralized management, and mainly depends on UTXO (unspent transaction output) and timestamp to solve the problem of 'double flowers'. The disadvantages of this related art are: at present, a transaction concurrency bottleneck of 7 Transactions Per Second (TPS (Transactions Per Second, number of Transactions transmitted Per Second)) exists, and an offline transaction mode is not supported.
Since the digital money wallet and the wallet issuing center are in a non-connection state during off-line transaction, in order to ensure security, the mode protection data of an IC Card (Integrated Circuit Card) security chip is required, and a strong authentication means assisted by a third party is used for identity confirmation.
The related art also provides a method and a system for off-line payment by using the digital currency chip card, wherein the method comprises the following steps: the acceptance terminal equipment receives the transaction amount under the condition that the network connection with the commercial bank digital currency system is not established; the user terminal equipment acquires the transaction amount from the acceptance terminal equipment in a close-range wireless connection mode and sends the transaction information to the acceptance terminal equipment; after the acceptance terminal device establishes network connection with the commercial bank digital currency system, the acceptance terminal device sends the transaction information to the commercial bank digital currency system; after receiving the transaction information, the commercial bank digital currency system sends a request for changing the owner to the central bank digital currency system; and after receiving the request for changing the owner, the central bank digital currency system changes the owner of the digital currency into a merchant code corresponding to the acceptance terminal equipment.
In the related art, a security protection method based on a digital currency chip encapsulates a private key of a wallet, and a transaction process of a DC (digital currency) wallet requires a private key signature of an owner to approve the transaction, and transaction feasibility can be protected by protecting the private key of the wallet. The DC wallet is packaged to ensure that the DC wallet's offline data is not copied, tampered with, and unauthorized access by non-DC wallet owners is controlled. And the core function is packaged, so that the core logic processing algorithm is ensured not to be tampered, and the DC wallet double flowers are prevented.
The prior art only adopts a security chip and lacks the support of the digital currency issuing center for preventing the real-time authentication of 'double flowers'.
In view of at least one of the above technical problems, the present invention provides a digital money wallet offline transaction method and system, and a user identification card, which can prevent the business risk of "double-flower" by illegal persons using the offline transaction mode.
According to one aspect of the invention, there is provided a digital money wallet offline transaction method comprising:
under the condition of receiving a transaction request, the user identification card verifies whether the digital money wallet of the user identification card currently has the transaction right, wherein the user identification card of the opposite party of the transaction also verifies whether the digital money wallet of the user identification card currently has the transaction right under the condition of receiving the transaction request;
under the condition that the digital money purses of both transaction parties have the transaction right at present, the digital money purse of the user identification card and the digital money purse of the opposite transaction party perform transfer operation to complete the transaction.
In some embodiments of the invention, the digital money wallet offline transaction method further comprises:
under the condition that the digital currency wallets of both transaction parties have the transaction right at present, the user identity identification card judges that the user identity identification card is a payee or a payer according to the transaction request;
under the condition that the user identity identification card is a payee, requesting the credible authentication center to verify the validity and the availability of the user identity identification card of the payer in a credible short message mode;
and under the condition that the credible authentication center verifies that the user identification card of the payer is valid and available, executing the step that the user identification card indicates the digital currency wallets of both parties of the transaction to carry out transfer operation, and finishing the transaction.
In some embodiments of the invention, the digital money wallet offline transaction method further comprises:
and under the condition that the user identification card is the payer, indicating the payee user identification card to request the credible authentication center to verify the validity and the usability of the payer user identification card in a credible short message mode.
In some embodiments of the invention, the digital money wallet offline transaction method further comprises:
after each transaction is completed, the user identification card carries out digital signature tamper resistance.
In some embodiments of the invention, the digital money wallet offline transaction method further comprises:
after each transaction is completed, the user identification card stores the complete transaction record of the transaction.
In some embodiments of the invention, the digital money wallet offline transaction method further comprises: after each transaction is completed, the user identification card generates a digital currency protection verification code according to the balance of the digital currency wallet and the user identification number.
In some embodiments of the invention, the user identification card verifying whether the digital currency wallet of the user identification card currently has the transaction right comprises:
under the condition of receiving a transaction request, the user identity identification card generates a current digital currency protection verification code according to the balance of the current digital currency wallet and the user identity identification number of the user identity identification card;
the user identity identification card judges whether the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed;
under the condition that the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed, the user identity identification card judges that the digital currency wallet of the user identity identification card currently has the transaction right;
and under the condition that the current digital currency protection verification code is different from the digital currency protection verification code generated after the previous transaction is completed, the user identity card locks the digital currency wallet of the user identity card.
According to another aspect of the present invention, there is provided a user identification card including:
the logic verification module is used for verifying whether the digital currency wallet of the user identity identification card currently has the transaction right or not under the condition that the transaction request is received, wherein the user identity identification card of the opposite party of the transaction also verifies whether the digital currency wallet currently has the transaction right or not under the condition that the transaction request is received;
and the digital money wallet is used for performing transfer operation with the digital money wallet of the opposite party of the transaction under the condition that the logic verification module judges that the digital money wallets of the two parties of the transaction have the transaction right currently, so that the transaction is completed.
In some embodiments of the invention, the user identification card is used to perform operations to implement the digital money wallet offline transaction method as described in any of the embodiments above.
In some embodiments of the present invention, the user identification card further comprises a secure chip packaging area, wherein:
the digital currency wallet, the digital currency protection verification code and the logic verification module are all arranged in the security chip packaging area.
According to another aspect of the present invention, there is provided a user identification card including:
a memory to store instructions;
a processor for executing the instructions to cause the apparatus to perform operations to implement the digital money wallet offline transaction method as described in any of the embodiments above.
According to another aspect of the present invention, there is provided a user terminal comprising the subscriber identity module card according to any of the above embodiments.
According to another aspect of the present invention, there is provided a digital money wallet offline transaction system, comprising a payer terminal and a payee terminal, wherein the payer terminal and the payee terminal are both user terminals as described in any one of the above embodiments.
In some embodiments of the invention, the digital currency wallet offline transaction system further comprises:
and the credible authentication center is used for verifying the validity and the usability of the payer user identification card according to the request of the payee user identification card.
According to another aspect of the present invention there is provided a computer readable storage medium having stored thereon computer instructions which, when executed by a processor, implement a digital money wallet offline transaction method as described in any one of the embodiments above.
The invention can prevent the illegal person from using the off-line transaction mode to carry out double-flower business risk through the independently designed core transaction logic.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic diagram of some embodiments of the digital currency wallet offline transaction method of the present invention.
Fig. 2 is a schematic diagram of the digital money wallet offline transaction method according to another embodiment of the present invention.
FIG. 3 is a diagram of a subscriber identity module card according to some embodiments of the present invention.
FIG. 4 is a diagram of another embodiment of a SIM card according to the invention.
FIG. 5 is a diagram of a SIM card according to still other embodiments of the invention.
FIG. 6 is a diagram of a subscriber identity module according to yet another embodiment of the present invention.
Fig. 7 is a schematic diagram of some embodiments of the digital currency wallet offline transaction system of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. The following description of at least one exemplary embodiment is merely illustrative in nature and is in no way intended to limit the invention, its application, or uses. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The relative arrangement of the components and steps, the numerical expressions and numerical values set forth in these embodiments do not limit the scope of the present invention unless specifically stated otherwise.
Meanwhile, it should be understood that the sizes of the respective portions shown in the drawings are not drawn in an actual proportional relationship for the convenience of description.
Techniques, methods, and apparatus known to those of ordinary skill in the relevant art may not be discussed in detail but are intended to be part of the specification where appropriate.
In all examples shown and discussed herein, any particular value should be construed as merely illustrative, and not limiting. Thus, other examples of the exemplary embodiments may have different values.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, further discussion thereof is not required in subsequent figures.
Fig. 1 is a schematic diagram of some embodiments of the digital currency wallet offline transaction method of the present invention. Preferably, the present embodiment may be performed by a user identification card, a user terminal, or a digital money wallet offline transaction system. The method comprises the following steps:
and 11, under the condition of receiving the transaction request, the user identification card verifies whether the digital currency wallet of the user identification card currently has the transaction right, wherein the user identification card of the opposite party of the transaction also verifies whether the digital currency wallet of the user identification card currently has the transaction right under the condition of receiving the transaction request.
In some embodiments of the present invention, the user identification card may be a mobile phone card.
And step 12, under the condition that the digital money purses of both transaction parties have the transaction right currently, carrying out transfer operation between the digital money purse of the user identification card and the digital money purse of the opposite transaction party to finish the transaction.
In some embodiments of the present invention, step 11 may comprise:
and 11a, under the condition of receiving the transaction request, the user identification card generates a current digital currency protection verification code according to the current balance of the digital currency wallet and the user identification number.
And 11b, the user identity identification card judges whether the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed.
In step 11c, in case that the current digital money protection verification code is the same as the digital money protection verification code generated after the previous transaction is completed, the user id card determines that its digital money wallet currently has the transaction right (i.e., the digital money wallet passes the logic verification).
And 11d, under the condition that the current digital currency protection verification code is different from the digital currency protection verification code generated after the previous transaction is completed, locking the digital currency wallet of the user by the user identity card.
In some embodiments of the present invention, step 11 may comprise:
and step 111, under the condition that a transaction request input by a user is received, generating a current payee digital currency protection verification code by the payee user identification card according to the current payee digital currency wallet balance and the payee user identification number.
In step 112, the payee subscriber id card determines whether the current payee digital currency protection validation code is the same as the payee digital currency protection validation code generated after the previous transaction is completed.
And step 113, under the condition that the current payee digital currency protection verification code is the same as the payee digital currency protection verification code generated after the previous transaction is completed, the payee user identity identification card judges that the payee digital currency wallet currently has the transaction right.
Step 114, the payee subscriber identity card locks the payee digital currency wallet when the current payee digital currency protection validation code is not the same as the payee digital currency protection validation code generated after the previous transaction is completed.
And 115, under the condition that a transaction request input by the user is received, the payer user identification card generates a current payer digital currency protection verification code according to the current payer digital currency wallet balance and the payer user identification number.
In step 116, the payer user id card determines whether the current payer digital currency protection validation code is the same as the payer digital currency protection validation code generated after the previous transaction is completed.
And step 117, under the condition that the current payer digital currency protection verification code is the same as the payer digital currency protection verification code generated after the previous transaction is completed, the payer user identity identification card judges that the payer digital currency wallet currently has the transaction right.
In step 118, the payer user id card locks the payer digital currency wallet if the current payer digital currency protection passcode is not the same as the payer digital currency protection passcode generated after the previous transaction is completed.
In some embodiments of the invention, the digital money wallet offline transaction method may further include: under the condition that the digital currency wallets of both transaction parties have the transaction right at present, the user identity identification card judges that the user identity identification card is a payee or a payer according to the transaction request; under the condition that the user identity identification card is a payee, requesting the credible authentication center to verify the validity and the availability of the user identity identification card of the payer in a credible short message mode; and under the condition that the credible authentication center verifies that the user identification card of the payer is valid and available, executing the step that the user identification card indicates the digital currency wallets of both parties of the transaction to carry out transfer operation, and finishing the transaction.
In some embodiments of the invention, the digital money wallet offline transaction method may further include: after each transaction is completed, the payee user identification card and the payer user identification card both carry out digital signature tamper resistance.
In some embodiments of the invention, the digital money wallet offline transaction method may further include: after each transaction is completed, the identity identification card of the payee and the identity identification card of the payer respectively store the complete transaction records of the transaction.
In some embodiments of the invention, the digital money wallet offline transaction method may further include: after each transaction is completed, the payee user identification card generates a payee digital currency protection verification code according to the payee digital currency wallet balance and the payee user identification number; and the payer identification card generates a payer digital currency protection verification code according to the balance of the payer digital currency wallet and the payer user identification number.
The digital money wallet offline transaction method provided by the embodiment of the invention is a mobile phone card-based digital money wallet offline transaction double-flower prevention method, and the embodiment of the invention can automatically design core transaction logic related to a mobile phone card and return card authentication data in real time through a mobile phone trusted short message network when the digital money wallet and a wallet issuing center are in a non-connected state, so that the business risk of carrying out double-flower payment by an illegal person in an offline transaction mode can be prevented.
Fig. 2 is a schematic diagram of the digital money wallet offline transaction method according to another embodiment of the present invention. Preferably, the present embodiment may be performed by a user identification card, a user terminal, or a digital money wallet offline transaction system. The method comprises the following steps:
and (1) saving each transaction record. After each digital currency transaction occurs, the balance value, the transaction serial number, the offline transaction times, the timestamp, the Identification numbers of both transaction parties and the digital signature of the digital wallet need to be recorded, so that the transaction is ensured to be stored in the exclusive domain of the digital currency of the SIM card (Subscriber identity Module).
And (2) forming a digital currency protection verification code MD5(Message-Digest Algorithm). Meanwhile, the device fingerprint such as the SIM card number and the balance value character string are merged and processed, HASH (HASH function) processing is carried out, and the MD5 information is stored and abstracted into a digital currency exclusive data storage area in the card, so that the device fingerprint related to the card is ensured, and the balance value cannot be changed.
And (3) ensuring the complexity and the strength of the transaction logic processing program to be enough and protecting the privacy. And stores the exclusive logic program storage area of the digital currency written in the SIM card.
In step (4), the transaction first verifies whether MD5 is consistent. Before transaction, the digital money wallet needs to verify whether the balance data in the card changes, and the new MD5 is calculated by using the balance value in the existing card and the device fingerprint of the card, and the transaction right can be obtained only after the verification is passed. If the balance is different, the account transfer operation cannot be started by changing the description, so that the account cannot be verified to be passed no matter the balance is changed or the mobile phone number is changed, and the account is locked. Once the account is self-locked, unlocking is needed, networking operation is needed for unlocking, the acquired system can trace the source, and a hacker tampering data operation point is found, so that the purpose of tracing the source is achieved.
And (5) the verification MD5 of both transaction parties passes, and the transaction of both parties is allowed. The validity and availability of the card storage balance is agreed upon and acknowledged only if and when both parties' digital currency purses have been certified for logic verification.
And (6) carrying out auxiliary authentication on the telecommunication credible short message. And the credible authentication of the credible short message digital currency of the telecom operator is increased. The digital currency payee initiatively requests the credible authentication center of the mobile phone card telecom operator to verify the validity and the usability of the card of the payer through the credible short message.
And (7) after the transaction is finished, the digital signatures of both transaction parties are tamper-proof. And (3) after the transaction is completed, the complete transaction record is saved, namely step (1) is executed, so that the anti-tampering property of the transaction record account book can be realized.
The embodiment of the invention can combine the core transaction logic related to the mobile phone card with the auxiliary authentication of the telecom trusted short message, so that the embodiment of the invention has higher safety and can effectively prevent off-line double-flower.
The embodiment of the invention increases the credible authentication of the credible short message digital currency of the telecom operator. The digital currency payee can actively request the trusted authentication center of the mobile phone card telecom operator to verify the validity and the availability of the payer card through the trusted short message.
The embodiment of the invention can automatically design the core transaction logic related to the mobile phone card and the mobile phone trusted short message network to return the card authentication data in real time, thereby preventing the business risk of illegal people performing double-flower payment by using an offline transaction mode.
FIG. 3 is a diagram of a subscriber identity module card according to some embodiments of the present invention. As shown in fig. 3, the user identification card may include a logic verification module 31 and a digital money wallet 32, wherein:
and the logic verification module 31 is configured to verify whether the digital money wallet of the user identity card currently has the transaction right or not when the transaction request is received, where the user identity card of the opposite party of the transaction also verifies whether the digital money wallet currently has the transaction right or not when the transaction request is received.
And the digital money wallet 32 is used for performing transfer operation with a digital money wallet of the opposite party of the transaction under the condition that the logic verification module judges that the digital money wallets of the two parties of the transaction have the transaction right currently, so that the transaction is completed.
In some embodiments of the present invention, the logic verification module 31 may be further configured to, when both digital currency purses of both transaction parties currently have the transaction right, determine that the user identification card is a payee or a payer according to the transaction request; under the condition that the user identity identification card is a payee, requesting the credible authentication center to verify the validity and the availability of the user identity identification card of the payer in a credible short message mode; under the condition that the trusted authentication center verifies that the user identification card of the payer is valid and available, the digital money wallet 32 is instructed to execute the operation that the user identification card instructs the digital money wallets of both parties of the transaction to transfer money, and the operation of the transaction is completed.
In some embodiments of the present invention, the logic verification module 31 may be further configured to instruct the payee user id card to request the trusted authentication center to verify the validity and availability of the payer user id card in a trusted short message manner when the user id card is the payer; under the condition that the trusted authentication center verifies that the user identification card of the payer is valid and available, the digital money wallet 32 is instructed to execute the operation that the user identification card instructs the digital money wallets of both parties of the transaction to transfer money, and the operation of the transaction is completed.
FIG. 4 is a diagram of another embodiment of a SIM card according to the invention. Compared to the embodiment of fig. 3, in the embodiment of fig. 4, the user identification khaier may include a digital signature module 33, where:
and the digital signature module 33 is used for performing digital signature tamper-proofing on the user identification card after each transaction of the digital currency wallet 32 is completed.
In some embodiments of the invention, as shown in fig. 4, the user identification khaier may include a transaction record storage module 34, wherein:
and the transaction record storage module 34 is used for storing a complete transaction record of the transaction after the digital currency wallet 32 completes each transaction.
In some embodiments of the present invention, the logic verification module 31 may be further configured to generate a digital currency protection verification code based on the digital currency wallet balance and the user identification number after each transaction is completed.
In some embodiments of the present invention, the logic verification module 31, in the operation of verifying whether the digital money wallet of itself has the transaction right currently, may be specifically configured to generate a current digital money protection verification code according to the current balance of the digital money wallet of itself and the user identification number of itself, in a case of receiving a transaction request; judging whether the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed; under the condition that the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed, the user identity identification card judges that the digital currency wallet of the user identity identification card currently has the transaction right; and under the condition that the current digital currency protection verification code is different from the digital currency protection verification code generated after the previous transaction is completed, the user identity card locks the digital currency wallet of the user identity card.
In some embodiments of the invention, the user identification card of the embodiment of fig. 3 or fig. 4 may be used to perform operations for implementing the digital money wallet offline transaction method as described in any of the embodiments above (e.g., the embodiment of fig. 1 or fig. 2).
Based on the user identity identification card provided by the embodiment of the invention, the core transaction logic related to the mobile phone card can be combined with the auxiliary authentication of the telecom trusted short message, so that the embodiment of the invention has higher safety and can effectively prevent the offline double-flower phenomenon.
The embodiment of the invention increases the credible authentication of the credible short message digital currency of the telecom operator. The digital currency payee can actively request the trusted authentication center of the mobile phone card telecom operator to verify the validity and the availability of the payer card through the trusted short message.
FIG. 5 is a diagram of a SIM card according to still other embodiments of the invention. As shown in fig. 5, the user identification card includes a secure chip packaging area, a digital money wallet, a digital money protection verification code (private key), and a logic verification module, wherein:
the logic verification module stores core transaction logic.
The digital currency wallet, the digital currency protection verification code and the logic verification module are all arranged in the security chip packaging area.
The embodiment of the invention can ensure the complexity and the strength of the transaction logic processing program to be enough and the privacy protection. The above embodiments of the present invention may save the transaction logic processing program into a digital currency exclusive logic program storage area (i.e., the secure chip package area) in the card.
In some embodiments of the present invention, as shown, the user identification card may further include a transaction record storage module and an input/output module (IO), wherein.
And the transaction record storage module is used for storing the complete transaction record of the transaction after the transaction of the digital currency wallet 32 is completed each time.
And the input/output module is used for carrying out information interaction with the credible authentication center and the opposite party of the transaction.
The embodiment of the invention can automatically design the core transaction logic related to the mobile phone card and the mobile phone trusted short message network to return the card authentication data in real time, thereby preventing the business risk of illegal people performing double-flower payment by using an offline transaction mode.
FIG. 6 is a diagram of a subscriber identity module according to yet another embodiment of the present invention. As shown in fig. 6, the user identification card may include a memory 61 and a processor 62, wherein:
a memory 61 for storing instructions.
A processor 62 configured to execute the instructions to cause the apparatus to perform operations to implement the digital money wallet offline transaction method as described in any of the embodiments above (e.g., the embodiments of fig. 1 or fig. 2).
Based on the user identity identification card provided by the embodiment of the invention, when the digital currency wallet and the wallet issuing center are in a non-connection state, the core transaction logic related to the mobile phone card and the mobile phone trusted short message network can be independently designed to return card authentication data in real time, so that the business risk of 'double-flower' payment by an illegal person in an off-line transaction mode can be prevented.
According to another aspect of the present invention, there is provided a user terminal including the subscriber identity module card according to any of the above embodiments (for example, any of fig. 3 to 6).
Based on the user terminal provided by the embodiment of the invention, when the digital currency wallet and the wallet issuing center are in a non-connection state, the core transaction logic related to the mobile phone card and the mobile phone trusted short message network can be independently designed to return card authentication data in real time, so that the business risk of 'double-flower' payment by an illegal person in an off-line transaction mode can be prevented.
Fig. 7 is a schematic diagram of some embodiments of the digital currency wallet offline transaction system of the present invention. As shown in fig. 7, the digital money wallet offline transaction system may include a payer terminal 71 and a payee terminal 72, wherein:
in some embodiments of the invention, the payer terminal and the payee terminal may both be user terminals as described in any of the embodiments above.
In some embodiments of the invention, the payer terminal 71 may include a subscriber identity card as described in any of the embodiments above (e.g., any of the embodiments of fig. 3-6).
In some embodiments of the invention, the payee terminal 72 may include a subscriber identity card as described in any of the embodiments above (e.g., any of the embodiments of fig. 3-6).
In some embodiments of the invention, as shown in fig. 7, the digital money wallet offline transaction system may further include a trusted authentication center 73, wherein:
and the trusted authentication center 73 is used for verifying the validity and the availability of the payer user identification card according to the request of the payee user identification card.
The digital money wallet offline transaction system provided by the embodiment of the invention is a mobile phone card-based digital money wallet offline transaction anti-double-flower system, and the embodiment of the invention can automatically design core transaction logic related to a mobile phone card and return card authentication data in real time through a mobile phone trusted short message network when the digital money wallet and a wallet issuing center are in a non-connected state, so that the business risk of illegal persons paying double-flower payment by using an offline transaction mode can be prevented.
According to another aspect of the present invention, there is provided a computer readable storage medium storing computer instructions which, when executed by a processor, implement the digital money wallet offline transaction method as described in any one of the embodiments above (e.g. the embodiments of fig. 1 or fig. 2).
Based on the computer-readable storage medium provided by the embodiment of the invention, the core transaction logic related to the mobile phone card can be combined with the auxiliary authentication of the telecommunication trusted short message, so that the embodiment of the invention has higher security and can effectively prevent offline double-flower.
The embodiment of the invention increases the credible authentication of the credible short message digital currency of the telecom operator. The digital currency payee can actively request the trusted authentication center of the mobile phone card telecom operator to verify the validity and the availability of the payer card through the trusted short message.
The subscriber identity cards and trusted certificate authorities described above may be implemented as a general purpose processor, a Programmable Logic Controller (PLC), a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any suitable combination thereof, for performing the functions described herein.
Thus far, the present invention has been described in detail. Some details well known in the art have not been described in order to avoid obscuring the concepts of the present invention. It will be fully apparent to those skilled in the art from the foregoing description how to practice the presently disclosed embodiments.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The description of the present invention has been presented for purposes of illustration and description, and is not intended to be exhaustive or limited to the invention in the form disclosed. Many modifications and variations will be apparent to practitioners skilled in this art. The embodiment was chosen and described in order to best explain the principles of the invention and the practical application, and to enable others of ordinary skill in the art to understand the invention for various embodiments with various modifications as are suited to the particular use contemplated.

Claims (15)

1. A digital currency wallet offline transaction method, comprising:
under the condition of receiving a transaction request, the user identification card verifies whether the digital money wallet of the user identification card currently has the transaction right, wherein the user identification card of the opposite party of the transaction also verifies whether the digital money wallet of the user identification card currently has the transaction right under the condition of receiving the transaction request;
under the condition that the digital money purses of both transaction parties have the transaction right at present, the digital money purse of the user identification card and the digital money purse of the opposite transaction party perform transfer operation to complete the transaction.
2. The digital money wallet offline transaction method of claim 1, further comprising:
under the condition that the digital currency wallets of both transaction parties have the transaction right at present, the user identity identification card judges that the user identity identification card is a payee or a payer according to the transaction request;
under the condition that the user identity identification card is a payee, requesting the credible authentication center to verify the validity and the availability of the user identity identification card of the payer in a credible short message mode;
and under the condition that the credible authentication center verifies that the user identification card of the payer is valid and available, executing the step that the user identification card indicates the digital currency wallets of both parties of the transaction to carry out transfer operation, and finishing the transaction.
3. The digital money wallet offline transaction method of claim 2, further comprising:
and under the condition that the user identification card is the payer, indicating the payee user identification card to request the credible authentication center to verify the validity and the usability of the payer user identification card in a credible short message mode.
4. The digital money wallet offline transaction method of any one of claims 1-3, further comprising:
after each transaction is completed, the user identification card carries out digital signature tamper resistance.
5. The digital money wallet offline transaction method of any one of claims 1 to 3, further comprising:
after each transaction is completed, the user identification card stores the complete transaction record of the transaction.
6. The digital money wallet offline transaction method of any one of claims 1-3, further comprising:
after each transaction is completed, the user identification card generates a digital currency protection verification code according to the balance of the digital currency wallet and the user identification number.
7. The digital money wallet offline transaction method of claim 6, wherein the user identification card verifying whether its digital money wallet currently has a transaction right comprises:
under the condition of receiving a transaction request, the user identity identification card generates a current digital currency protection verification code according to the balance of the current digital currency wallet and the user identity identification number of the user identity identification card;
the user identity identification card judges whether the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed;
under the condition that the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed, the user identity identification card judges that the digital currency wallet of the user identity identification card currently has the transaction right;
and under the condition that the current digital currency protection verification code is different from the digital currency protection verification code generated after the previous transaction is completed, the user identity card locks the digital currency wallet of the user identity card.
8. A user identification card, comprising:
the logic verification module is used for verifying whether the digital currency wallet of the user identity identification card currently has the transaction right or not under the condition that the transaction request is received, wherein the user identity identification card of the opposite party of the transaction also verifies whether the digital currency wallet currently has the transaction right or not under the condition that the transaction request is received;
and the digital money wallet is used for performing transfer operation with the digital money wallet of the opposite party of the transaction under the condition that the logic verification module judges that the digital money wallets of the two parties of the transaction have the transaction right currently, so that the transaction is completed.
9. The subscriber identity card according to claim 8, wherein the subscriber identity card is configured to perform operations for implementing the digital money wallet offline transaction method according to any one of claims 1 to 7.
10. The sim card according to claim 8 or 9, further comprising a secure chip package area, wherein:
the digital currency wallet, the digital currency protection verification code and the logic verification module are all arranged in the security chip packaging area.
11. A user identification card, comprising:
a memory to store instructions;
a processor to execute the instructions to cause the apparatus to perform operations to implement the digital money wallet offline transaction method of any one of claims 1-7.
12. A user terminal, characterized in that it comprises a subscriber identity card according to any of claims 8-11.
13. A digital money wallet offline transaction system, characterized by a payer terminal and a payee terminal, wherein the payer terminal and the payee terminal are both user terminals as claimed in claim 12.
14. The digital money wallet offline transaction system of claim 13, further comprising:
and the credible authentication center is used for verifying the validity and the usability of the payer user identification card according to the request of the payee user identification card.
15. A computer-readable storage medium storing computer instructions which, when executed by a processor, implement the digital money wallet offline transaction method of any one of claims 1-7.
CN201811476367.5A 2018-12-05 2018-12-05 Off-line transaction method and system for digital currency wallet and user identity identification card Active CN111275411B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201811476367.5A CN111275411B (en) 2018-12-05 2018-12-05 Off-line transaction method and system for digital currency wallet and user identity identification card

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201811476367.5A CN111275411B (en) 2018-12-05 2018-12-05 Off-line transaction method and system for digital currency wallet and user identity identification card

Publications (2)

Publication Number Publication Date
CN111275411A true CN111275411A (en) 2020-06-12
CN111275411B CN111275411B (en) 2023-07-04

Family

ID=71003111

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201811476367.5A Active CN111275411B (en) 2018-12-05 2018-12-05 Off-line transaction method and system for digital currency wallet and user identity identification card

Country Status (1)

Country Link
CN (1) CN111275411B (en)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112288414A (en) * 2020-11-06 2021-01-29 天地融科技股份有限公司 Digital currency collection method, device and system
CN112633895A (en) * 2021-01-05 2021-04-09 交通银行股份有限公司 Risk control method and system for bank online website business digital currency transaction
CN112734415A (en) * 2020-12-31 2021-04-30 深圳市证通电子股份有限公司 Method, terminal, device and computer readable storage medium for collecting digital currency
CN113112251A (en) * 2021-04-12 2021-07-13 上海方付通科技服务股份有限公司 Digital currency thin film smart card, digital currency transaction system and method
WO2023066197A1 (en) * 2021-10-19 2023-04-27 中国人民银行数字货币研究所 Method and device for verifying abnormal digital currency transaction

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104850984A (en) * 2014-05-13 2015-08-19 电子科技大学 Safe operation method for offline payment of electronic money
CN106651331A (en) * 2016-12-22 2017-05-10 飞天诚信科技股份有限公司 Digital currency-based electronic transaction method and system
CN106780032A (en) * 2016-12-16 2017-05-31 杭州云象网络技术有限公司 A kind of block chain interchain assets transfer method under multichain scene
CN107230068A (en) * 2016-03-25 2017-10-03 中国人民银行印制科学技术研究所 Use the method and system of viewable numbers currency chip card payout figure currency
US20170310653A1 (en) * 2016-04-22 2017-10-26 Sony Corporation Client, server, method and identity verification system
CN108009917A (en) * 2017-10-13 2018-05-08 中国银联股份有限公司 The transaction verification and register method and system of digital cash
US20180240107A1 (en) * 2015-03-27 2018-08-23 Black Gold Coin, Inc. Systems and methods for personal identification and verification
CN108768666A (en) * 2018-07-04 2018-11-06 中钞信用卡产业发展有限公司杭州区块链技术研究院 A kind of digital cash wallet management method based on SM2 threshold cryptography algorithms
CN108876332A (en) * 2018-06-04 2018-11-23 清华大学 A kind of block chain method for secure transactions and device based on biological characteristic label certification

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104850984A (en) * 2014-05-13 2015-08-19 电子科技大学 Safe operation method for offline payment of electronic money
US20180240107A1 (en) * 2015-03-27 2018-08-23 Black Gold Coin, Inc. Systems and methods for personal identification and verification
CN107230068A (en) * 2016-03-25 2017-10-03 中国人民银行印制科学技术研究所 Use the method and system of viewable numbers currency chip card payout figure currency
US20170310653A1 (en) * 2016-04-22 2017-10-26 Sony Corporation Client, server, method and identity verification system
CN106780032A (en) * 2016-12-16 2017-05-31 杭州云象网络技术有限公司 A kind of block chain interchain assets transfer method under multichain scene
CN106651331A (en) * 2016-12-22 2017-05-10 飞天诚信科技股份有限公司 Digital currency-based electronic transaction method and system
CN108009917A (en) * 2017-10-13 2018-05-08 中国银联股份有限公司 The transaction verification and register method and system of digital cash
CN108876332A (en) * 2018-06-04 2018-11-23 清华大学 A kind of block chain method for secure transactions and device based on biological characteristic label certification
CN108768666A (en) * 2018-07-04 2018-11-06 中钞信用卡产业发展有限公司杭州区块链技术研究院 A kind of digital cash wallet management method based on SM2 threshold cryptography algorithms

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112288414A (en) * 2020-11-06 2021-01-29 天地融科技股份有限公司 Digital currency collection method, device and system
CN112734415A (en) * 2020-12-31 2021-04-30 深圳市证通电子股份有限公司 Method, terminal, device and computer readable storage medium for collecting digital currency
CN112734415B (en) * 2020-12-31 2024-01-12 深圳市证通电子股份有限公司 Digital money collection method, terminal, device and computer readable storage medium
CN112633895A (en) * 2021-01-05 2021-04-09 交通银行股份有限公司 Risk control method and system for bank online website business digital currency transaction
CN113112251A (en) * 2021-04-12 2021-07-13 上海方付通科技服务股份有限公司 Digital currency thin film smart card, digital currency transaction system and method
WO2023066197A1 (en) * 2021-10-19 2023-04-27 中国人民银行数字货币研究所 Method and device for verifying abnormal digital currency transaction

Also Published As

Publication number Publication date
CN111275411B (en) 2023-07-04

Similar Documents

Publication Publication Date Title
JP7442552B2 (en) Dynamic off-chain digital currency transaction processing
CN111275411B (en) Off-line transaction method and system for digital currency wallet and user identity identification card
EP2526514B1 (en) Method, device and system for securing payment data for transmission over open communication networks
US20110103586A1 (en) System, Method and Device To Authenticate Relationships By Electronic Means
CN106688004A (en) Transaction authentication method, device, mobile terminal, POS terminal and server
KR20060125835A (en) Emv transactions in mobile terminals
KR20110096048A (en) Secure activation before contactless banking smart card transaction
US20060049243A1 (en) Ic card, terminal device, and data communications method
CN108122112A (en) Electronic ID card based on authentication device signs and issues certification and safety payment system
CN107204957A (en) A kind of account binding and the method and device of business processing
CN111401869B (en) Digital currency circulation system and circulation method
CN112036847A (en) Anti-counterfeiting verification method and system for offline payment of digital currency
CN113450092A (en) Block chain network-based article safe and efficient transaction method, system and storage medium
CN106251145A (en) Electronic fare payment system, electronic payment devices and electric paying method
CN106330888B (en) The method and device of payment safety in a kind of guarantee the Internet line
CN108431848A (en) The commission of transaction
CN108369619A (en) For the user authentication of transaction
US20190197518A1 (en) System and method using stored value tokens
CN109087091B (en) Account transaction safety system and method
CN111612486A (en) Online electronic coupon deduction method based on tamper-proof encryption algorithm
CN113627931B (en) Payment limiting method and electronic equipment
CN106355406A (en) Combined fingerprint authentication payment method
CN110443595A (en) For executing the method and system of security data exchange
El Madhoun et al. A secure cloud-based NFC payment architecture for small traders
CN107633399A (en) A kind of offline payment method and system of network payment account

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant