CN101211451A - Redepositing system and method based on digital sign - Google Patents
Redepositing system and method based on digital sign Download PDFInfo
- Publication number
- CN101211451A CN101211451A CNA2007103037972A CN200710303797A CN101211451A CN 101211451 A CN101211451 A CN 101211451A CN A2007103037972 A CNA2007103037972 A CN A2007103037972A CN 200710303797 A CN200710303797 A CN 200710303797A CN 101211451 A CN101211451 A CN 101211451A
- Authority
- CN
- China
- Prior art keywords
- circle
- information
- deposit
- user
- deposited
- 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
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses an earmark system and a method based on digital signature, which belongs to a safety communication field of a network bank. The system comprises a client and a server side. The method comprises the following steps: establishing connection between the client and the server side; the client signs an earmark operation request data packet and sends to the server side; the server side verifies whether the earmark operation request data packet is complete, deducts the earmark amount from user account if the data packet is complete, records the current operation log, signs an earmark permitting command data packet and sends to the client; the client verifies whether the earmark permitting command data packet is complete, performs earmark operation if the data packet is complete, records the operation log, signs a transaction executing information data packet and sends to the server side; the server side judges whether the earmark transaction information in the transaction executing information data packet is complete and warns the user a succeeding earmark if the data packet is complete. The invention enhances the safety and reliability of network transaction.
Description
Technical field
The present invention relates to the secure communication field of Web bank, particularly a kind of circle deposit system and method based on digital signature.
Background technology
Along with computer network rapid development, Web bank is rooted in the hearts of the people just day by day, and replaces original monetary payoff pattern just gradually with its convenience and versatility.So-called " Web bank " is to be media with the internet, and e-bank's product of financial service is provided for the client.Web bank is the product of information age, its birth, making originally must be to the client of bank counter transacting business, just can directly enter bank by the internet, business such as arbitrarily carrying out account inquiry, transfer accounts, foreign exchange trading, bank transfer, shopping online, account are reported the loss, the client really accomplishes home-confined all bankings of settling.Web bank's service system open-minded concerning bank and client, all will be increased work efficiency greatly, allow fund create high benefit, thereby reduce the production and operation cost.
PKI (Public Key Infrastructure, Public Key Infrastructure) is the infrastructure that security service is provided of utilizing the PKI theory and technology to set up.The comings and goings on safe electronic transaction, communication and the internet is carried out in the service that the user can utilize the PKI platform to provide.The PKI technology adopts the certificate management PKI, by third-party trusted mechanism-ca authentication center other identification informations of user's PKI and user is bundled, and verifies user's identity on the internet.At present, general way is to adopt the digital certificate that is based upon on the PKI basis, by the numerical information that will transmit being encrypted and sign, confidentiality, authenticity, integrality and the non-repudiation of guarantee information transmission, thereby the safe transmission of guarantee information.PKI is based on public key algorithm and technology, and the infrastructure of security service is provided for online communication.Be to create, issue, manage, nullify all involved softwares of public key certificate, the aggregate of hardware.Its core element is a digital certificate, and core executor is a ca authentication mechanism.
Current storage medium as Web bank's stored value card carrier mainly is various smart cards (IC-cards), as bus IC card, all-in-one campus card, PBOC (People ' s Bank Of China, People's Bank of China) stored value card etc.Swipe the card by smart card and transaction such as to consume, make things convenient for, save time, safety.Yet along with field and industry with card are more and more, the smart card in people's hand is also more and more, and this deposits process with regard to the circle that has produced a new problem smart card thereupon.So-called " circle is deposited " is meant the process that the personal account fund is charged into IC-card.
In the prior art, the holder of IC-card needs just can supplement with money to the appointed place usually, needs a large amount of energy and time of cost, gives to a certain extent and uses the user of stored value card to bring inconvenience.And in the prior art, circle is deposited flow process and is finished by bank's Intranet, does not still have a kind of safe and reliable method at present and makes circle deposit operation to finish in long-range mode by public network.
Summary of the invention
For the circle that solves conditional electronic wallet in the prior art is deposited mode is brought inconvenience to users problem, and do not have a kind of technology to realize that long-range circle is stored mutual as yet by public network, the invention provides a kind of circle deposit system and method based on digital signature.
A kind of circle deposit system based on digital signature, described system comprises: client and service end, described client comprises session module, first authentication module, SIM, first business execution module, intelligent key module and first memory module, and described service end comprises second memory module, second authentication module, second business execution module and signature blocks;
Described session module is used to show the information of the described client user's affirmation of needs, and shows miscue information;
Described first authentication module is used to verify whether described service end is legal;
Described SIM, be used to receive the identity identification information that the user imports after, whether checking user's identity identification information legal;
Described first business execution module, be used for described SIM checking user's identity identification information legal after, allow the user to import circle and deposit operation information, send circle to described service end and deposit the operation requests packet, and receive the circle that described service end returns and deposit the permission command packet, and receive circle that described service end is returned deposit allow command packet after, enclose and deposit operation, and recording operation daily record and the process of exchange that finally is implemented in transaction terminal;
Described intelligent key module, the described client that is used to sign/encrypt is deposited the operation requests packet to the communication information and circle that described service end sends, and the described service end of deciphering/checking is deposited the permission command packet to the communication information and circle that described client sends;
Described first memory module, when being used for storage and described service end information communication, the used private key of the signature communication information, and the certificate information of described service end and PKI;
Described second memory module, when being used to store user account information, subscriber identity information and being used for carrying out information communication with described client, the used private key of the signature communication information, and the certificate information of described client and PKI;
Described second authentication module, be used to verify whether described client is effective, and after receiving that circle that described client sends is deposited the operation requests packet, verify according to described user account information of storing in described second memory module and subscriber identity information whether described circle is deposited the operation requests packet legal;
Described second business execution module, be used for described second authentication module verify described circle deposit the operation requests packet legal after, the deduction circle is deposited the amount of money from described user account, and return circle to described client and deposit the permission command packet, described circle is deposited and is allowed to comprise in the command packet that exchange hour and circle deposit the amount of money;
Described signature blocks, the described service end that is used to sign/encrypt is deposited the permission command packet to the communication information and circle that described client sends, and the described client of deciphering/checking is deposited the operation requests packet to the communication information and circle that described service end sends.
Described service end also comprises:
Cancellation circle storing module, be used to receive the faulty operation information that described client sends after, cancel this circle and deposit operation, the circle that described second business execution module is deducted from described user account is deposited the amount of money and is refilled, and the rewriting operation daily record.
Described first business execution module specifically comprises:
Initialization operation order generation unit, be used for described SIM checking user's identity identification information legal after, allow the user to import circle and deposit operation information, described circle is deposited the operation information packing, generate circle and deposit the initialization operation order;
The operation acknowledgement information transmitting unit after being used for described initialization operation order generation unit and generating circle and deposit the initialization operation order, is deposited the initialization operation order to described user's transmit operation confirmation according to described circle;
Judging unit is used to judge whether described user's affirmation information is errorless;
Circle is deposited request transmitting unit, the judged result that is used for described judging unit is that described user's confirmation is when errorless, send circle by computing machine to described service end and deposit the operation requests packet, described circle is deposited and is comprised in the operation requests packet that user account and circle deposit the amount of money;
Circle is deposited operation execution unit, be used to receive circle that described service end is returned deposit allow command packet after, enclose and deposit operation, and the recording operation daily record.
Described client also comprises:
The Notice Of Transactions module is used to finish circle and deposits operation, and after writing down this Operation Log, sends transaction to described service end and carry out information packet;
Correspondingly, described service end also comprises:
Circle is deposited the affirmation module, after being used to receive the transaction execution information packet of described client transmission, judge whether the information in the described transaction execution information packet is correct, if correct, notify described user's circle to be saved as merit, otherwise, cancel this circle and deposit operation, the amount of money that to deduct from described user account refills, and the rewriting operation daily record, notifies described user profile mistake.
Described system also comprises:
Smart card device is used for sending credit balance information to described client, verifies whether described user is legal, if legal, obtain circle from described client and deposits the amount of money.
Described client also comprises:
Reminding module is used for pointing out described user profile mistake when described smart card device is verified described user for the disabled user;
Circle is deposited amount of money sending module, is used for sending circle to described smart card device and depositing the operation amount of money when described smart card device is verified described user for validated user.
Described reminding module is the display module that has the sounding module of sound prompt function or have Presentation Function.
Described smart card device is contact intelligent card equipment or contact type intelligent card equipment.
Described smart card device is a contact type intelligent card equipment, comprising:
First Anneta module is used for sending credit balance information to described client, and induction and receive the circle that described client sends and deposit the amount of money;
First radio-frequency module, be used for to deposit amount information from the circle that described client sends and be converted to numerical information by electromagnetic wave signal by the modulating/demodulating mode, send to described first Anneta module then, and the credit balance information that described first Anneta module is received is converted to electromagnetic wave signal, sends to described client then;
The electronic money memory module is used to store the circle that described first Anneta module receives and deposits the amount of money;
Correspondingly, described client also comprises:
Second Anneta module is used for sending circle to contact type intelligent card equipment and depositing amount information to described, and induction and receive the described credit balance information that sends to contact type intelligent card equipment;
Second radio-frequency module, be used for the credit balance information that described contact type intelligent card equipment sends being converted to numerical information by electromagnetic wave signal by the modulating/demodulating mode, send to described second Anneta module then, and the circle that described second Anneta module receives is deposited amount information be converted to electromagnetic wave signal, send to described contact type intelligent card then.
The described communication information comprises user identification information may and check code.
A kind of circle deposit method based on digital signature, described method comprises:
Steps A: client and service end connect;
Step B: after described client receives that circle that the user imports is deposited operation information, described circle is deposited the operation information packing, generate circle and deposit the initialization operation order, to described user's transmit operation confirmation;
Step C: after described user's confirmation was errorless, described client was deposited the operation requests packet signature with circle, and was sent to described service end; Described circle is deposited the account and the circle that comprise described user in the operation requests packet and is deposited the amount of money;
Step D: described service end receives and verifies whether described circle is deposited the operation requests packet complete, if complete, the described circle of deduction is deposited the amount of money from described user's account, and write down this Operation Log, the signature circle is deposited the permission command packet, is sent to described client, then execution in step E; Otherwise, by dialogue facility prompting user profile mistake;
Step e: whether described client receives and verifies that described circle is deposited and allow command packet complete, if complete, enclose and deposits operation, and the recording operation daily record, information packet is carried out in the signature transaction, is sent to described service end; Otherwise dialogue facility prompting user service end is illegal;
Step F: described service end verifies that whether the circle in the described transaction execution information packet is deposited Transaction Information complete, if complete, points out described user's circle to be saved as merit; Otherwise, cancel this circle and deposit operation, will refill from the amount of money that described user's account is deducted, and the rewriting operation daily record, point out described user's circle to deposit failure.
Described step B also comprises:
The user is to described client input identity identification information, and described client judges whether described identity identification information is legal, if legal, allow the user to import circle and deposit operation information, otherwise, the described identity identification information mistake of prompting user.
The step that client is deposited the operation requests packet signature with circle described in the described step C also comprises: the circle that described client encrypt has been signed is deposited the operation requests packet;
Correspondingly, service end described in the described step D receives and verifies and deposits the operation requests packet by described circle whether complete step also comprises: described service end is deciphered described circle and is deposited the operation requests packet.
The signature circle is deposited and allowed the step of command packet also to comprise among the described step D: described service end is encrypted the circle of having signed and is deposited the permission command packet;
Correspondingly, client described in the described step e receives and verifies that described circle is deposited and allows command packet whether complete step also comprises: described client is deciphered described circle and is deposited the permission command packet.
The step of signature transaction execution information packet also comprises in the described step e: information packet is carried out in the transaction that described client encrypt has been signed;
Correspondingly, service end described in the described step F verifies that described transaction carries out circle in the information packet and deposit Transaction Information whether complete step also comprises: described service end is deciphered described transaction and is carried out information packet.
Described method also comprises:
Step G: described user is with the effective card-reading zone of smart card device near described client;
Step H: described client reads the residue deposit in the described smart card device, exports described residue deposit by the reminding module of described client, points out described user to import the customer identification information of described smart card device;
Step I: after described user imports described customer identification information, judge whether described customer identification information is correct,, send circle to described smart card device and deposit the amount of money of operation if correct, otherwise, point out described user error information.
Described step G also comprises:
Described smart card device and described client authenticate mutually, after authentication is passed through mutually, carry out described step H; Otherwise, prompting user error information.
The beneficial effect of technical scheme provided by the invention is: on the one hand the user is when using stored value card to enclose to deposit business, needn't arrive on line operation on the ATM (Automatic Teller Machine) of appointed bank or the bank's cabinet face terminating machine, reduce loaded down with trivial details that circle deposits to the user, utilize technical scheme provided by the invention to realize of the binding of electronic money business, greatly strengthened the security and the reliability of network trading with the Web bank of PKI; On the other hand, safety of the present invention has realized finishing this diji and the stored interaction technique of service end circle by public network expediently.At last, technology provided by the invention can realize two kinds of consumption patterns, be that the user directly holds client realization consumption and the user holds smart card realization consumption, this has strengthened the dirigibility and the versatility of system to a certain extent, for the user's of Web bank self-recharging and consumption brings great convenience.
Description of drawings
Fig. 1 is the structural representation of a kind of circle deposit system based on digital signature of providing of the embodiment of the invention 1;
Fig. 2 is the structural representation of the another kind that provides of the embodiment of the invention 1 based on the circle deposit system of digital signature;
Fig. 3 is that circle is deposited preoperative method flow diagram between the USB Key that provides of the embodiment of the invention 2 and Web bank's server;
Fig. 4 is that circle is deposited the method for operating process flow diagram between the USB Key that provides of the embodiment of the invention 2 and Web bank's server.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer, embodiment of the present invention is described further in detail below in conjunction with accompanying drawing.
User in the technical scheme that the embodiment of the invention provides is an electronic purse customer, and service end is Web bank's server, and client is client computer and the USB Key that is connected on the client computer; Perhaps client is client computer and the USB Key and the non-contact IC card that are connected on the client computer.USB Key in the present embodiment is a kind of small hardware device that has USB interface, interior tape handling device and storer, and the data communication interface by computing machine is connected with computing machine.
The USB Key that provides in following examples has the function of stored value card, be issued in user's hand by Web bank is unified, make of the form appearance of the carrier of electronic money with USB Key, Web bank's server in the present embodiment and USB Key have realized binding with the network of PKI, therefore Web bank's server and be issued among the USB Key at user place and (for example: digital certificate stored legal authentication information, PKI, title), the user is by the authentication of USB Key inside to its legal identity, and circle is deposited the operation requests packet and circle is deposited permission command packet and service end and client all by checking, the user just can carry out the online operation of supplementing with money to this USB Key, finishes circle smoothly and deposits business.
Embodiment 1:
Referring to Fig. 1, present embodiment provides a kind of circle deposit system based on digital signature, this system comprises: client 100 and Web bank's server 200, client 100 comprises first authentication module 1011, SIM 1012, first business execution module 1013, intelligent key module 1014, first memory module 1015 and session module 1021, and Web bank's server 200 comprises second memory module 201, second authentication module 202, second business execution module 203 and signature blocks 204.
Preferably, first authentication module 1011, SIM 1012, first business execution module 1013, intelligent key module 1014 and first memory module 1015 are integrated in USB Key101:
SIM 1012, be used to receive the identity identification information that the user imports after, whether checking user's identity identification information legal;
First business execution module 1013, be used for SIM 1012 checking users' identity identification information legal after, allow the user to import circle and deposit operation information, send circle by computing machine 102 to Web bank's server 200 and deposit the operation requests packet, circle is deposited and is comprised in the operation requests packet that user account and circle deposit the amount of money, first business execution module 1013 receive circle that Web bank's server 200 returns deposit allow command packet after, enclose and deposit operation, and the recording operation daily record;
Intelligent key module 1014, be used for encrypted signature computing machine 102 and deposit the operation requests packet, and deciphering/checking Web bank server 200 is deposited the permission command packet to the communication information and circle that USB Key101 sends to the communication information and circle that Web bank's server 200 sends; Wherein, the communication information comprises user identification information may and check code;
Session module 1021 is integrated in computing machine 102, is used to show the information that needs USB Key101 user to confirm, and the display reminding mistake; In the practical application, session module 1021 can also be included among the USB Key101, with the form appearance of LCD screen.
Second memory module 201 is used to store user account information, subscriber identity information, and the certificate information of USB Key101 and its PKI;
Second authentication module 202, be used to receive that circle that USB Key101 sends is deposited the operation requests packet after, whether effective according to the certificate information checking USB Key101 of the USB Key101 of storage in second memory module 201; Circle is deposited and is comprised in the operation requests packet that exchange hour and circle deposit the amount of money;
Second business execution module 203, be used for second authentication module 202 checking USB Key101 effectively after, the deduction circle is deposited the amount of money from user account, and returns circle to USB Key101 and deposit the permission command packet; Circle is deposited and is allowed to comprise in the command packet that trade date, exchange hour and circle deposit the amount of money;
Signature blocks 204, be used to sign/the detail network server 200 that goes to bank is deposited the permission command packet to the communication information and circle that USB Key101 sends, and deciphering/checking USB Key101 deposits the operation requests packet to the communication information and the circle of 200 transmissions of Web bank's server.
Store user profile, digital certificate, transaction log in second memory module 201, be used to realize electronic purse function, the binding of digital certificate and Web bank's server 200 user accounts has been realized in its inside; Also disposed in the bank server 200 on the net with circle and deposited the relevant essential information of application, essential information comprises: the class of service of Web bank's electronic transaction and relevant criterion and standard.
Web bank's server 200 also comprises:
Cancellation circle storing module after being used to receive the faulty operation information of USB Key101 transmission, is cancelled this circle and is deposited operation, and the amount of money that second business execution module 203 is deducted from user account refills, and the rewriting operation daily record.
Wherein, first business execution module 1013 specifically comprises:
Initialization operation order generation unit, be used for SIM 1012 checking users' identity identification information legal after, allow the user to import circle and deposit operation information, circle is deposited the operation information packing, generate circle and deposit the initialization operation order;
The operation acknowledgement information transmitting unit after being used for initialization operation order generation unit and generating circle and deposit the initialization operation order, is deposited the initialization operation order to user's transmit operation confirmation according to circle;
Judging unit is used to judge whether user's affirmation information is errorless;
Circle is deposited request transmitting unit, and the judged result that is used for judging unit is user's confirmation when errorless, sends circle by computing machine 102 to Web bank's server 200 and deposits the operation requests packet, and circle is deposited and comprised in the operation requests packet that user account and circle deposit the amount of money;
Circle is deposited operation execution unit, be used to receive circle that service end is returned deposit allow command packet after, enclose and deposit operation, and the recording operation daily record.
Can finish smoothly in order to ensure transaction, and guarantee that USB Key101 is consistent with the transaction in the Web bank server 200, USB Key101 also comprises:
The Notice Of Transactions module is used to finish circle and deposits operation, and after writing down this Operation Log, sends transaction to Web bank's server 200 and carry out information packet;
Correspondingly, Web bank's server 200 also comprises:
Circle is deposited the affirmation module, after being used to receive the transaction execution information packet of USB Key101 transmission, judge whether the information in the transaction execution information packet is correct, if correct, notify the user to enclose and be saved as merit, otherwise, cancel this circle and deposit operation, the amount of money that will deduct from user account refills, and the rewriting operation daily record, notice user profile mistake, circle is deposited failure.
The USB Key101 that present embodiment provides can be USB Key, USB Token that has electronic purse function or the card that has USB interface.USB Key links to each other by serial line interface, USB interface, infrared interface, blue tooth interface or radio frequency interface with computing machine.
Referring to Fig. 2, above-mentioned USB Key101 by Web bank's server 200 enclose deposit finish after, if want the amount of money on certain bank card among the USBKey101 is forwarded on other smart card devices, for example, forward on the bus IC card, then on the system-based that Fig. 1 provides, also comprise based on the circle deposit system of digital signature:
Smart card device 103 is used for sending credit balance information to USB Key101, and whether the checking user is legal, if legal, obtain circle from USB Key101 and deposits the amount of money.
In order to strengthen security, can authenticate mutually earlier between smart card device 103 and USB Key101, can realize that detailed process is by the identification code of storing more mutually:
USB Key101 reads the identification code in the smart card device 103, and the identification code of the legal smart card device 103 of this identification code and its storage inside compared, whether consistently verify whether smart card device 103 is effective by judging the two, in the present embodiment, the identification code of smart card device 103 is the card number of smart card device 103;
Smart card device 103 receives the identification code that USB Key101 sends, and the identification code of the legal USBKey101 of this identification code and its storage inside compared, whether whether the consistent USB of checking Key101 is effective by judging the two, in the present embodiment, the identification code of USB Key101 is the hardware sequence number of USB Key101.
To deposit operation more perfect for the circle that makes 103 of USB Key101 and smart card devices, and USB Key101 also comprises:
Reminding module 1016 is used for when smart card device 103 checking users are the disabled user prompting user profile mistake;
Circle is deposited amount of money sending module 1017, is used for sending circle to smart card device 103 and depositing the operation amount of money when smart card device 103 checking users are validated user.
Reminding module 1016 is the display module that has the sounding module of sound prompt function or have Presentation Function.
Above-mentioned smart card device 103 can be contact intelligent card equipment or contact type intelligent card equipment.
If above-mentioned smart card device 103 is a contact type intelligent card equipment, this contact type intelligent card equipment comprises:
First Anneta module is used for sending credit balance information to USB Key101, and the circle of induction and reception USB Key101 transmission is deposited the amount of money;
First radio-frequency module, be used for to deposit amount information from the circle that USB Key101 sends and be converted to numerical information by electromagnetic wave signal by the modulating/demodulating mode, send to first Anneta module then, and the numerical information that first Anneta module sends is converted to electromagnetic wave signal, send to USB Key101 then;
The electronic money memory module is used to store the circle that first Anneta module receives and deposits the amount of money;
Correspondingly, USB Key101 also comprises:
Second Anneta module is used for sending circle to contact type intelligent card equipment and deposits amount information, and induction and receive the credit balance information that sends to contact type intelligent card equipment;
Second radio-frequency module, be used for the credit balance information that contact type intelligent card equipment sends being converted to numerical information by electromagnetic wave signal by the modulating/demodulating mode, send to second Anneta module then, and the circle that second Anneta module receives is deposited amount information be converted to electromagnetic wave signal, send to contact type intelligent card.
Smart card device 103 among Fig. 2 also can be arranged on the inside of USB Key101, promptly becomes one with USB Key101, and smart card device 103 and USB Key101 also can be physical equipment independently, as shown in Figure 2.
Embodiment 2:
Present embodiment provides a kind of circle deposit method based on digital signature, USB Key and computing machine are formed client jointly, the circle deposit system that application drawing 1 provides based on digital signature, respectively referring to Fig. 3 and Fig. 4, wherein, Fig. 3 deposits the preceding process of operation for circle, Fig. 4 is the capable process of circle counter foil between USB Key and Web bank's server, wherein USB Key has preset private key, Web bank's server and PKI thereof, preset private key in Web bank's server, USB Key certificate information and PKI thereof, preferably, user rs authentication that USB Key is integrated, the service end checking, the professional execution, function such as Intelligent treatment and storage, this method specifically may further comprise the steps:
Step 301: client computer and Web bank's server connect;
Step 302: the user begins circle by USB Key and deposits operation, and USB Key imports identity identification information by the computer prompted user, and the user imports identity identification information by computing machine in USB Key;
In the present embodiment, subscriber identity information comprises User Defined password, user biological characteristic information, as: user fingerprints information, client iris image information or the like;
Whether the identity identification information of step 303:USB Key internal verification user input is legal information, if legal, execution in step 304; Otherwise, execution in step 305;
Step 304: allow the operating system of user capture USB Key inside, the user imports circle and deposits operation information, execution in step 306 in USB Key;
Circle is deposited operation information and is comprised dealing money;
Step 305: prompting user identification information may mistake, and finish;
Step 306:USB Key receives that the circle that the user imports deposits operation information, and circle is deposited the operation information packing, sends circle to the control module of USB Key inside and deposits the initialization operation order;
The control module of step 307:USB Key inside receive the circle deposit the initialization operation order after, by output unit to user's transmit operation confirmation;
Step 308: whether the user confirms this operation, if the user confirms that the operation acknowledgement information of USB Key transmission is errorless, then execution in step 309, otherwise execution in step 304;
USB Key in this step need wait for that the user confirms operation information, and the time of wait can be set as required, if in the stand-by period of setting, the user does not confirm, think that then operation acknowledgement information is incorrect, execution in step 304 waits for that the user operates again;
Step 309:USB Key deposits the operation requests packet with its private key signature circle, and deposits the operation requests packet by computing machine to Web bank's server transmission circle.
In this enforcement, the information that USB Key deposits in the operation requests packet to the circle that Web bank's server sends comprises: the card number of subscriber identity information, electronic purse balance amount, transaction account, circle are deposited the amount of money, on-line transaction sequence number, key version number, algorithm sign, pseudo random number.
In the practical application, USB Key can also encryption key after the circle of signature deposits the operation requests packet, sends circle by computing machine to Web bank's server again and deposits the operation requests packet.
Referring to Fig. 4, it is as follows that the circle between USB Key and Web bank's server is deposited operation:
Step 309:USB Key deposits the operation requests packet with its private key signature circle, and deposits the operation requests packet by computing machine to Web bank's server transmission circle;
In the practical application, USB Key can also encrypt depositing the operation requests packet with the private key signature circle, sends circle by computing machine to Web bank's server again and deposits the operation requests packet;
Step 310: whether after Web bank's server receives that the signature circle of client transmission is deposited the operation requests packet, it is complete to deposit the operation requests packet with this circle of corresponding public key verifications, if complete, then execution in step 311, otherwise execution in step 312;
In the practical application, Web bank's server authentication client transmission signature circle is deposited the operation requests packet, and whether the complete preceding decrypted signature circle that can also comprise is deposited the process of operation requests packet;
In the practical application, if be proved to be successful, then Web bank's server and USB Key are all legal, and Web bank's server can also be according to the USB Key certificate information of its storage, check this certificate information by the USB Key of authentication whether expired, distorted or the like;
Step 311: Web bank's server is deposited dealing money information according to circle and is deducted corresponding circle deposit the amount of money from user's account, deposit permission command packet to USB Key transmission with the circle of its private key signature by client computer, and write down this Operation Log, execution in step 313;
In the present embodiment, enclosing the information of depositing in the permission command packet comprises: trade date (main frame), exchange hour (main frame) and circle are deposited the amount of money;
In the practical application, Web bank's server sends to deposit with the circle of its private key signature to USB Key by client computer and can also comprise that the ciphering signature circle deposits the process of permission command packet before allowing command packet;
Step 312: Web bank's server, and finishes to the user prompt information errors by client computer;
Step 313:USB Key receive signature circle that Web bank's server returns deposit allow command packet after, whether the checking circle is deposited and is allowed command packet complete, if complete, then execution in step 314, otherwise execution in step 315;
In the practical application, the signature circle that USB Key checking Web bank server sends is deposited and can also be comprised that the decrypted signature circle deposits the process of operation requests packet before the operation requests packet;
In the practical application, if it is complete, Web bank's server and USB Key are all legal, and USB Key can also be according to Web bank's server certificate information of its storage, check this certificate information by Web bank's server of authentication whether expired, distorted or the like;
Step 314:USB Key encloses inside and deposits operation, writes down this Operation Log, and information packet, execution in step 316 are carried out in the transaction after Web bank's server sends signature;
In the practical application, before information packet is carried out in the transaction of USB Key after the Web bank server sends signature, can also comprise that the transaction behind the ciphering signature carries out the process of information packet;
Step 315:USB Key sends faulty operation information by client computer to Web bank's server, and Web bank's server is cancelled this circle and deposited operation, the fund of having deducted from user account is refilled, and the rewriting operation daily record, and finish;
Step 316: whether the circle in the transaction execution information packet that the server authentication USB Key of Web bank sends is deposited Transaction Information complete, if complete, then execution in step 317, otherwise execution in step 318;
In the practical application, before the transaction that the signature USB Key of Web bank's server authentication sends is carried out circle in the information packet and deposited Transaction Information and whether finish, can also comprise that the transaction of decrypted signature carries out the process of information packet;
Step 317: the server prompts user of Web bank circle is saved as merit;
Step 318: Web bank's server is cancelled this circle and is deposited operation, the amount of money of having deducted from user account refilled, and the rewriting operation daily record, and deposit failure to the user prompt circle by client computer.
When the user need forward the fund on the bank card of USB Key stored on the smart card device, also need to carry out following operation, below operation is that example describes so that the fund on the bank card of USB Key stored is forwarded on the non-contact IC card:
1) user is with the close effective card-reading zone of USB Key of non-contact IC card, both carry out the validity authentication, if all authenticate by validity, then USB Key will read the residue deposit in the non-contact IC card, and export residue by the display module of computing machine or USB Key and deposit, and the prompting user imports the customer identification information of non-contact IC card; Otherwise, USB Key by computing machine or the display module on it to the user prompt error message.
In the present embodiment, the authentication of the validity between non-contact IC card and the USB Key realizes that by comparing identification code detailed process is:
USB Key reads the identification code in the non-contact IC card, and the identification code of the legal IC-card of this identification code and its storage inside is compared, and whether whether the consistent non-contact IC card of verifying is effective by judging the two;
Non-contact IC card receives the identification code that USB Key sends, and the identification code of the legal USB Key of this identification code and its storage inside is compared, and whether whether the consistent USB of checking Key is effective by judging the two;
If the identification code mistake that USB Key internal verification reads from non-contact IC card, or the identification code mistake of non-contact IC card internal verification USB Key transmission, or the equal mistake of identification code that sends of the identification code that from non-contact IC card, reads of USB Key internal verification and non-contact IC card internal verification USB Key, then all belong to the failure of checking validity.
In the present embodiment, the identification code of USB Key is the hardware sequence number of USB Key; The identification code of non-contact IC card is the card number of non-contact IC card.
2) user imports the customer identification information of non-contact IC card, whether the information of non-contact IC card internal judgment user input is correct, if it is correct, USB Key sends circle to non-contact IC card and deposits the operation amount of money, so far, the user finishes the overall process that circle is deposited, and the user can utilize this non-contact IC card to realize the bankcard consumption process; Otherwise USB Key passes through the sounding module to the user prompt error message.
In the present embodiment, customer identification information is user-defined password.
The technical scheme that the embodiment of the invention provides makes the user on the one hand when using stored value card to enclose to deposit business, needn't arrive on line operation on the ATM (Automatic Teller Machine) of appointed bank or the bank's cabinet face terminating machine, reduced unnecessary loaded down with trivial details to the user, utilize technical scheme provided by the invention to realize of the binding of electronic money business, greatly strengthened the security and the reliability of network trading with the Web bank of PKI; On the other hand, safety of the present invention has realized finishing this diji and the stored interaction technique of service end circle by public network expediently.At last, technology provided by the invention can realize two kinds of consumption patterns, be that the user directly holds client realization consumption and the user holds smart card realization consumption, this has strengthened the dirigibility and the versatility of system to a certain extent, for the user's of Web bank self-recharging and consumption brings great convenience.
The above only is preferred embodiment of the present invention, and is in order to restriction the present invention, within the spirit and principles in the present invention not all, any modification of being done, is equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (17)
1. circle deposit system based on digital signature, it is characterized in that, described system comprises: client and service end, described client comprises session module, first authentication module, SIM, first business execution module, intelligent key module and first memory module, and described service end comprises second memory module, second authentication module, second business execution module and signature blocks;
Described session module is used to show the information of the described client user's affirmation of needs, and shows miscue information;
Described first authentication module is used to verify whether described service end is legal;
Described SIM, be used to receive the identity identification information that the user imports after, whether checking user's identity identification information legal;
Described first business execution module, be used for described SIM checking user's identity identification information legal after, allow the user to import circle and deposit operation information, send circle to described service end and deposit the operation requests packet, and receive the circle that described service end returns and deposit the permission command packet, and receive circle that described service end is returned deposit allow command packet after, enclose and deposit operation, and recording operation daily record and the process of exchange that finally is implemented in transaction terminal;
Described intelligent key module, the described client that is used to sign/encrypt is deposited the operation requests packet to the communication information and circle that described service end sends, and the described service end of deciphering/checking is deposited the permission command packet to the communication information and circle that described client sends;
Described first memory module, when being used for storage and described service end information communication, the used private key of the signature communication information, and the certificate information of described service end and PKI;
Described second memory module, when being used to store user account information, subscriber identity information and being used for carrying out information communication with described client, the used private key of the signature communication information, and the certificate information of described client and PKI;
Described second authentication module, be used to verify whether described client is effective, and after receiving that circle that described client sends is deposited the operation requests packet, verify according to described user account information of storing in described second memory module and subscriber identity information whether described circle is deposited the operation requests packet legal;
Described second business execution module, be used for described second authentication module verify described circle deposit the operation requests packet legal after, the deduction circle is deposited the amount of money from described user account, and return circle to described client and deposit the permission command packet, described circle is deposited and is allowed to comprise in the command packet that exchange hour and circle deposit the amount of money;
Described signature blocks, the described service end that is used to sign/encrypt is deposited the permission command packet to the communication information and circle that described client sends, and the described client of deciphering/checking is deposited the operation requests packet to the communication information and circle that described service end sends.
2. the circle deposit system based on digital signature as claimed in claim 1 is characterized in that, described service end also comprises:
Cancellation circle storing module, be used to receive the faulty operation information that described client sends after, cancel this circle and deposit operation, the circle that described second business execution module is deducted from described user account is deposited the amount of money and is refilled, and the rewriting operation daily record.
3. the circle deposit system based on digital signature as claimed in claim 1 is characterized in that, described first business execution module specifically comprises:
Initialization operation order generation unit, be used for described SIM checking user's identity identification information legal after, allow the user to import circle and deposit operation information, described circle is deposited the operation information packing, generate circle and deposit the initialization operation order;
The operation acknowledgement information transmitting unit after being used for described initialization operation order generation unit and generating circle and deposit the initialization operation order, is deposited the initialization operation order to described user's transmit operation confirmation according to described circle;
Judging unit is used to judge whether described user's affirmation information is errorless;
Circle is deposited request transmitting unit, the judged result that is used for described judging unit is that described user's confirmation is when errorless, send circle by computing machine to described service end and deposit the operation requests packet, described circle is deposited and is comprised in the operation requests packet that user account and circle deposit the amount of money;
Circle is deposited operation execution unit, be used to receive circle that described service end is returned deposit allow command packet after, enclose and deposit operation, and the recording operation daily record.
4. the circle deposit system based on digital signature as claimed in claim 1 is characterized in that, described client also comprises:
The Notice Of Transactions module is used to finish circle and deposits operation, and after writing down this Operation Log, sends transaction to described service end and carry out information packet;
Correspondingly, described service end also comprises:
Circle is deposited the affirmation module, after being used to receive the transaction execution information packet of described client transmission, judge whether the information in the described transaction execution information packet is correct, if correct, notify described user's circle to be saved as merit, otherwise, cancel this circle and deposit operation, the amount of money that to deduct from described user account refills, and the rewriting operation daily record, notifies described user profile mistake.
5. the circle deposit system based on digital signature as claimed in claim 1 is characterized in that, described system also comprises:
Smart card device is used for sending credit balance information to described client, verifies whether described user is legal, if legal, obtain circle from described client and deposits the amount of money.
6. the circle deposit system based on digital signature as claimed in claim 5 is characterized in that, described client also comprises:
Reminding module is used for pointing out described user profile mistake when described smart card device is verified described user for the disabled user;
Circle is deposited amount of money sending module, is used for sending circle to described smart card device and depositing the operation amount of money when described smart card device is verified described user for validated user.
7. the circle deposit system based on digital signature as claimed in claim 6 is characterized in that, described reminding module is the display module that has the sounding module of sound prompt function or have Presentation Function.
8. the circle deposit system based on digital signature as claimed in claim 5 is characterized in that, described smart card device is contact intelligent card equipment or contact type intelligent card equipment.
9. the circle deposit system based on digital signature as claimed in claim 8 is characterized in that, described smart card device is a contact type intelligent card equipment, comprising:
First Anneta module is used for sending credit balance information to described client, and induction and receive the circle that described client sends and deposit the amount of money;
First radio-frequency module, be used for to deposit amount information from the circle that described client sends and be converted to numerical information by electromagnetic wave signal by the modulating/demodulating mode, send to described first Anneta module then, and the credit balance information that described first Anneta module is received is converted to electromagnetic wave signal, sends to described client then;
The electronic money memory module is used to store the circle that described first Anneta module receives and deposits the amount of money;
Correspondingly, described client also comprises:
Second Anneta module is used for sending circle to contact type intelligent card equipment and depositing amount information to described, and induction and receive the described credit balance information that sends to contact type intelligent card equipment;
Second radio-frequency module, be used for the credit balance information that described contact type intelligent card equipment sends being converted to numerical information by electromagnetic wave signal by the modulating/demodulating mode, send to described second Anneta module then, and the circle that described second Anneta module receives is deposited amount information be converted to electromagnetic wave signal, send to described contact type intelligent card then.
10. the circle deposit system based on digital signature as claimed in claim 1 is characterized in that the described communication information comprises user identification information may and check code.
11. the circle deposit method based on digital signature is characterized in that, described method comprises:
Steps A: client and service end connect;
Step B: after described client receives that circle that the user imports is deposited operation information, described circle is deposited the operation information packing, generate circle and deposit the initialization operation order, to described user's transmit operation confirmation;
Step C: after described user's confirmation was errorless, described client was deposited the operation requests packet signature with circle, and was sent to described service end; Described circle is deposited the account and the circle that comprise described user in the operation requests packet and is deposited the amount of money;
Step D: described service end receives and verifies whether described circle is deposited the operation requests packet complete, if complete, the described circle of deduction is deposited the amount of money from described user's account, and write down this Operation Log, the signature circle is deposited the permission command packet, is sent to described client, then execution in step E; Otherwise, by dialogue facility prompting user profile mistake;
Step e: whether described client receives and verifies that described circle is deposited and allow command packet complete, if complete, enclose and deposits operation, and the recording operation daily record, information packet is carried out in the signature transaction, is sent to described service end; Otherwise dialogue facility prompting user service end is illegal;
Step F: described service end verifies that whether the circle in the described transaction execution information packet is deposited Transaction Information complete, if complete, points out described user's circle to be saved as merit; Otherwise, cancel this circle and deposit operation, will refill from the amount of money that described user's account is deducted, and the rewriting operation daily record, point out described user's circle to deposit failure.
12. the circle deposit method based on digital signature as claimed in claim 11 is characterized in that, described step B also comprises:
The user is to described client input identity identification information, and described client judges whether described identity identification information is legal, if legal, allow the user to import circle and deposit operation information, otherwise, the described identity identification information mistake of prompting user.
13. the circle deposit method based on digital signature as claimed in claim 11 is characterized in that, the step that client is deposited the operation requests packet signature with circle described in the described step C also comprises: the circle that described client encrypt has been signed is deposited the operation requests packet;
Correspondingly, service end described in the described step D receives and verifies and deposits the operation requests packet by described circle whether complete step also comprises: described service end is deciphered described circle and is deposited the operation requests packet.
14. the circle deposit method based on digital signature as claimed in claim 11 is characterized in that, the signature circle is deposited and allowed the step of command packet also to comprise among the described step D: described service end is encrypted the circle of having signed and is deposited the permission command packet;
Correspondingly, client described in the described step e receives and verifies that described circle is deposited and allows command packet whether complete step also comprises: described client is deciphered described circle and is deposited the permission command packet.
15. the circle deposit method based on digital signature as claimed in claim 11 is characterized in that, the step of signature transaction execution information packet also comprises in the described step e: information packet is carried out in the transaction that described client encrypt has been signed;
Correspondingly, service end described in the described step F verifies that described transaction carries out circle in the information packet and deposit Transaction Information whether complete step also comprises: described service end is deciphered described transaction and is carried out information packet.
16. the circle deposit method based on digital signature as claimed in claim 11 is characterized in that, described method also comprises:
Step G: described user is with the effective card-reading zone of smart card device near described client;
Step H: described client reads the residue deposit in the described smart card device, exports described residue deposit by the reminding module of described client, points out described user to import the customer identification information of described smart card device;
Step I: after described user imports described customer identification information, judge whether described customer identification information is correct,, send circle to described smart card device and deposit the amount of money of operation if correct, otherwise, point out described user error information.
17. the circle deposit method based on digital signature as claimed in claim 16 is characterized in that, described step G also comprises:
Described smart card device and described client authenticate mutually, after authentication is passed through mutually, carry out described step H; Otherwise, prompting user error information.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510449204.8A CN105117963A (en) | 2007-12-21 | 2007-12-21 | Device and method based on digital signature |
| CN200710303797.2A CN101211451B (en) | 2007-12-21 | 2007-12-21 | Circle deposit system based on digital signature and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200710303797.2A CN101211451B (en) | 2007-12-21 | 2007-12-21 | Circle deposit system based on digital signature and method |
Related Child Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510449204.8A Division CN105117963A (en) | 2007-12-21 | 2007-12-21 | Device and method based on digital signature |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101211451A true CN101211451A (en) | 2008-07-02 |
| CN101211451B CN101211451B (en) | 2016-08-03 |
Family
ID=39611458
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510449204.8A Pending CN105117963A (en) | 2007-12-21 | 2007-12-21 | Device and method based on digital signature |
| CN200710303797.2A Active CN101211451B (en) | 2007-12-21 | 2007-12-21 | Circle deposit system based on digital signature and method |
Family Applications Before (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510449204.8A Pending CN105117963A (en) | 2007-12-21 | 2007-12-21 | Device and method based on digital signature |
Country Status (1)
| Country | Link |
|---|---|
| CN (2) | CN105117963A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101789934B (en) * | 2009-11-17 | 2012-09-05 | 飞天诚信科技股份有限公司 | Method and system for online security trading |
| CN103414566A (en) * | 2013-08-08 | 2013-11-27 | 天地融科技股份有限公司 | Outputting method and safety device, responding method and system and executing method and system |
| CN103927648A (en) * | 2013-01-15 | 2014-07-16 | 深圳市朗科科技股份有限公司 | Method, device and system for achieving remote payment services |
| CN104123646A (en) * | 2014-07-21 | 2014-10-29 | 深圳前海君浩银通科技发展有限公司 | Composite type mobile uKey and electronic wallet payment system |
| CN105205665A (en) * | 2015-08-31 | 2015-12-30 | 深圳市雪球科技有限公司 | Method and apparatus for providing credit for load states |
| CN106096959A (en) * | 2016-06-06 | 2016-11-09 | 中城智慧科技有限公司 | The recharge method of CPU card based on CCKS |
| CN103414565B (en) * | 2013-08-08 | 2016-12-28 | 天地融科技股份有限公司 | Output intent and safety equipment, response method and system, execution method and system |
| CN109728914A (en) * | 2019-01-23 | 2019-05-07 | 北京奇艺世纪科技有限公司 | Digital signature authentication method, system, device and computer readable storage medium |
Families Citing this family (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105654295A (en) * | 2015-12-29 | 2016-06-08 | 中国建设银行股份有限公司 | Transaction control method and client |
| CN108595987A (en) * | 2018-04-13 | 2018-09-28 | 深圳大普微电子科技有限公司 | Permission access management method and relevant apparatus |
| CN110288332A (en) * | 2019-06-28 | 2019-09-27 | 北京三快在线科技有限公司 | System, method, apparatus, equipment and the storage medium of bank card binding |
| CN112200565A (en) * | 2020-10-26 | 2021-01-08 | 成都商通时代数字科技有限公司 | Application method and application system of usbKey in block chain digital liquor certificate wallet |
| CN112905979B (en) * | 2021-02-16 | 2023-01-31 | 中企云链（北京）金融信息服务有限公司 | Electronic signature authorization method and device, storage medium and electronic device |
Family Cites Families (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6085320A (en) * | 1996-05-15 | 2000-07-04 | Rsa Security Inc. | Client/server protocol for proving authenticity |
| EP2290730B1 (en) * | 2002-04-24 | 2013-08-21 | SK Planet Co., Ltd. | Battery pack for a mobile terminal |
| CN1845183B (en) * | 2006-04-30 | 2012-05-16 | 飞天诚信科技股份有限公司 | Intelligent key apparatus with debit/credit function |
| CN1904923B (en) * | 2006-08-08 | 2017-02-08 | 北京握奇数据系统有限公司 | Method for implementing space transference and apparatus thereof |
| CN100566254C (en) * | 2007-01-24 | 2009-12-02 | 北京飞天诚信科技有限公司 | Improve the method and system of safety of intelligent key equipment |
| CN101030278A (en) * | 2007-04-04 | 2007-09-05 | 王忠杰 | Paper-bill payment system based on Internet service |
| CN101051907B (en) * | 2007-05-14 | 2012-08-22 | 北京握奇数据系统有限公司 | Safety certifying method and its system for facing signature data |
-
2007
- 2007-12-21 CN CN201510449204.8A patent/CN105117963A/en active Pending
- 2007-12-21 CN CN200710303797.2A patent/CN101211451B/en active Active
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101789934B (en) * | 2009-11-17 | 2012-09-05 | 飞天诚信科技股份有限公司 | Method and system for online security trading |
| CN103927648A (en) * | 2013-01-15 | 2014-07-16 | 深圳市朗科科技股份有限公司 | Method, device and system for achieving remote payment services |
| CN103414566A (en) * | 2013-08-08 | 2013-11-27 | 天地融科技股份有限公司 | Outputting method and safety device, responding method and system and executing method and system |
| CN103414566B (en) * | 2013-08-08 | 2016-09-14 | 天地融科技股份有限公司 | Output intent and safety equipment, response method and system, execution method and system |
| CN103414565B (en) * | 2013-08-08 | 2016-12-28 | 天地融科技股份有限公司 | Output intent and safety equipment, response method and system, execution method and system |
| CN104123646A (en) * | 2014-07-21 | 2014-10-29 | 深圳前海君浩银通科技发展有限公司 | Composite type mobile uKey and electronic wallet payment system |
| CN105205665A (en) * | 2015-08-31 | 2015-12-30 | 深圳市雪球科技有限公司 | Method and apparatus for providing credit for load states |
| CN106096959A (en) * | 2016-06-06 | 2016-11-09 | 中城智慧科技有限公司 | The recharge method of CPU card based on CCKS |
| CN109728914A (en) * | 2019-01-23 | 2019-05-07 | 北京奇艺世纪科技有限公司 | Digital signature authentication method, system, device and computer readable storage medium |
| CN109728914B (en) * | 2019-01-23 | 2022-04-08 | 北京奇艺世纪科技有限公司 | Digital signature verification method, system, device and computer readable storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| CN105117963A (en) | 2015-12-02 |
| CN101211451B (en) | 2016-08-03 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN100565597C (en) | A kind of system and method for self-recharging | |
| CN101211451B (en) | Circle deposit system based on digital signature and method | |
| CN102160070B (en) | Electronic payment application system and payment authorization method | |
| AU2007261035B2 (en) | Portable consumer device configured to generate dynamic authentication data | |
| US20180053167A1 (en) | Processing of financial transactions using debit networks | |
| CN107230055B (en) | Method and system for paying digital currency | |
| US20080162318A1 (en) | Method of securely transferring funds via a mobile internet enabled device | |
| WO2012040377A1 (en) | Device enrollment system and method | |
| WO2007061433A2 (en) | Systems and methods for non-traditional payment | |
| CA2771810A1 (en) | Asset storage and transfer system | |
| CN109716373A (en) | Cipher authentication and tokenized transaction | |
| CN104933565A (en) | IC card transaction method and IC card transaction system | |
| AU2011235531A1 (en) | Message storage and transfer system | |
| CN107230052B (en) | Method and system for paying digital currency using digital currency chip card | |
| CN116802661A (en) | Token-based out-of-chain interaction authorization | |
| US20020095580A1 (en) | Secure transactions using cryptographic processes | |
| CN105354518A (en) | Virtual chip card system based on soft excitation electromagnetic near-field mutual inductance of mobile intelligent terminal | |
| CN106910070A (en) | Exempt from close offline electronic payment method with what visible light communication and barcode scanning were recognized | |
| WO2007149830A2 (en) | Portable consumer device configured to generate dynamic authentication data | |
| CN106251145A (en) | Electronic fare payment system, electronic payment devices and electric paying method | |
| US10984415B2 (en) | System and methods for using limit-use encrypted code to transfer values securely among users | |
| US20190197518A1 (en) | System and method using stored value tokens | |
| CN106897881B (en) | Online payment method with visible light and bar code bidirectional public key system authentication | |
| CN2909409Y (en) | Temporary authorization system device of credit card | |
| CN108780547B (en) | Proxy device for representing multiple certificates |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant |