CN102468960A - Off-line mode identity and transaction authentication method and terminal - Google Patents
Off-line mode identity and transaction authentication method and terminal Download PDFInfo
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- CN102468960A CN102468960A CN2010105467286A CN201010546728A CN102468960A CN 102468960 A CN102468960 A CN 102468960A CN 2010105467286 A CN2010105467286 A CN 2010105467286A CN 201010546728 A CN201010546728 A CN 201010546728A CN 102468960 A CN102468960 A CN 102468960A
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Abstract
The embodiment of the invention discloses an off-line mode identity and transaction authentication method and a terminal. The method comprises the following steps that: a first terminal sends a payment request message including a first digital sign and transaction data to a second terminal; the second terminal receives the payment request message and carries out identity authentication on the first digital sign, and after the authentication is passed, a payment agreement message including a second digital sign is sent to the first terminal; the first terminal receives the payment agreement message and carries out identity authentication on the second digital sign, and after the authentication is passed, a payment confirming message is sent to the second terminal; and the second terminal receives the payment confirming message and carries out off-line payment operation on the first terminal according to the transaction data. The terminal provided by the invention can be used for realizing the method. When the method and the terminal are adopted, the safe authentication in the off-line transaction process of the terminal can be realized, the safety of the off-line transaction is improved, and good foundation is laid for the fast popularization of the off-line transaction application.
Description
Technical field
The present invention relates to the secure authentication technology field, relate in particular to off-line mode identity and business confirmation method and terminal.
Background technology
Along with the development of communications electronics technology, ecommerce becomes an indispensable part in the popular life.At first, e-commerce transaction all is a real-time mode, just transfers accounts through the network or the GPRS completion of bank when promptly paying electronic money; But when communicating interrupt such as network, GPRS, Fail Transaction or transaction time-delay can occur, bring very big inconvenience to the user than problems such as length.In recent years, e-commerce transaction develops into off-line mode by real-time mode, when promptly paying electronic money, does not need to transfer accounts with bank networking in real time, and having overcome real-time deal needs frequent networking trouble caused.
At present, the numerous off-line tradings that comprise Net silver adopt the MONDEX stored value card.The MONDEX stored value card is stored in electronic money in the chip on the card, and the MONDEX equipment through special use during use dumps to another with currency value from a card, need not to network with bank.But because its transaction is not followed the trail of, the every transaction of audit can't be followed the trail of by bank, and this carries out the illegal allocation of the funds for the person that breaks laws and commit crime and has created condition.Therefore, how to guarantee the fail safe of off-line trading in the ecommerce, realize that identity and transaction authentication become the vital link of off-line trading.
Summary of the invention
The purpose of the embodiment of the invention is, a kind of off-line mode identity and business confirmation method and terminal are provided, and both can realize off-line trading, and the process of off-line trading can be followed the trail of, the safety certification of identity and transaction under the realization off-line mode.
To achieve these goals, the embodiment of the invention provides a kind of off-line mode identity and business confirmation method, comprising:
Payment request message is sent to second terminal in first terminal, and said payment request message is drawn together first digital signature that transaction data and first terminal adopt private key to sign.
Accordingly, the present invention also provides a kind of terminal, comprising:
Memory cell is used for the distinctive ID sign indicating number of storage terminal and comprises that the key of PKI and private key is right;
Signature unit, the information that is used to utilize the private key of the key pair of said cell stores will send said terminal is carried out digital signature;
Transmit-Receive Unit is used for the information that said terminal will be sent is sent to another terminal, receives the information that another terminal sends over, and PKI is wherein offered said authentication ' unit;
Authentication ' unit is used to adopt said PKI that authentication is carried out at another terminal;
The capital management unit is used for the electronic sum of money of storage terminal and according to transaction data said electronic sum of money is carried out corresponding operating;
The transaction record unit is used for generating and preserve transaction record information according to the transaction situation.
Wherein, said transaction record information includes but not limited to: transaction data, exchange hour and trading object.
Preferable, this terminal also comprises:
Ciphering unit, the information that is used for will sending said terminal adopts working key to encrypt;
Decryption unit, the information that is used for that said terminal is received adopts working key to decipher.
Preferable, this terminal also comprises:
The networking unit is used for and the backstage networking, sends said transaction record information to the backstage, and transferring accounts of electronic funds accomplished according to said transaction record information in said backstage.
Embodiment of the present invention embodiment has following beneficial effect:
1, the terminal of the embodiment of the invention adopts private key that the Transaction Information of its transmission is carried out digital signature, adopts PKI to carry out authentication to the Transaction Information that receives simultaneously, on the one hand, has verified both parties' identity, has improved the fail safe of transaction; On the other hand, adopt asymmetric key to carry out digital signature and checking, make process of exchange have trackability.
2, transaction does not need real-time networking; Under off-line mode, can realize; The concrete method that adopts is: the terminal generates transaction record when each off-line trading, said transaction record comprises transaction data, exchange hour, trading object, and network on a certain specific time and backstage in the terminal then; Send said transaction record to the backstage, the backstage is carried out batch according to transaction record and is transferred accounts.Like this, both realize the transaction under the off-line mode, and made process of exchange to be followed the trail of again, improved the fail safe of off-line trading.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art; To do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below; Obviously, the accompanying drawing in describing below only is some embodiments of the present invention, for those of ordinary skills; Under the prerequisite of not paying creative work property, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the flow chart of first embodiment of off-line mode identity of the present invention and business confirmation method;
Fig. 2 is the flow chart of second embodiment of off-line mode identity of the present invention and business confirmation method;
Fig. 3 is the flow chart of the 3rd embodiment of off-line mode identity of the present invention and business confirmation method;
Fig. 4 is the flow chart of terminal of the present invention and backstage networking processing transaction data;
Fig. 5 is the structural representation of first embodiment at terminal of the present invention;
Fig. 6 is the structural representation of second embodiment at terminal of the present invention;
Fig. 7 is the structural representation of the 3rd embodiment at terminal of the present invention.
Embodiment
To combine the accompanying drawing in the embodiment of the invention below, the technical scheme in the embodiment of the invention is carried out clear, intactly description, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all belong to the scope of the present invention's protection.
See also Fig. 1, be the flow chart of first embodiment of off-line mode identity of the present invention and business confirmation method; Said method comprises:
Step S101, payment request message is sent to second terminal in first terminal, and said payment request message is drawn together first digital signature that transaction data and first terminal adopt private key to sign.
In concrete the realization, said first terminal is the beneficiary terminal of transaction, and said second terminal is the paying party terminal of transaction.Both sides send payment request message by said first terminal to second terminal in when transaction, and said payment request message is drawn together first digital signature that transaction data and first terminal adopt private key to sign.In addition, said payment request message can also comprise the PKI at first terminal.Said transaction data is meant dealing money, i.e. the number of paying party account payable.Said first terminal adopts private key that said payment request message is signed, and is called first digital signature, so that second terminal adopts the PKI at first terminal that the digital signature at said first terminal is carried out authentication after receiving said payment request message.The PKI at wherein said first terminal can send to second terminal by first terminal in said payment request message, also can be obtained by the mode of second terminal through other.Preferably, said payment request message also utilizes working key to encrypt, to improve the fail safe of transaction.
Step S102; Said second terminal receives said payment request message; And said first digital signature carried out authentication; Authentication is sent to said first terminal through the back and is agreed payment message, and said agreement payment message comprises second digital signature that said second terminal adopts private key to sign.
In concrete the realization, second terminal receives said payment request message, utilizes working key to decipher earlier, adopts the PKI at second terminal that its first digital signature is carried out authentication then.If authentication is passed through; Then send and agree payment message to said first terminal; Said agreement payment message comprises second digital signature that said second terminal adopts private key to sign, so that first terminal adopts the PKI at second terminal that said second digital signature is carried out authentication after receiving said agreement payment message.The PKI at wherein said second terminal can send to first terminal by second terminal in said agreement payment message, also can be obtained by the mode of first terminal through other.If authentification failure then stops transaction, second terminal can show " authentification failure " information, and the prompting object that the user concluded the business is illegal.Preferably, said agreement payment message also utilizes working key to encrypt, to improve the fail safe of transaction.
Step S103, said first terminal receives said agreement payment message, and said second digital signature is carried out authentication, and authentication is sent to said second terminal through the back and is confirmed payment message.
In concrete the realization, said first terminal receives said agreement payment message, utilizes the working key deciphering earlier, adopts the PKI at second terminal that said second digital signature is carried out authentication then.If authentication is passed through, then send and confirm payment message to said second terminal; If authentification failure then stops transaction, first terminal can show " authentification failure " information, and the prompting object that the user concluded the business is illegal.Preferably, said affirmation payment message also utilizes working key to encrypt, to improve the fail safe of transaction.
Step S104, said second terminal receives said affirmation payment message, according to said transaction data the offline electronic payment operation is carried out at said first terminal.
Concrete, said second terminal receives said affirmation payment message, utilizes working key to decipher earlier, according to said transaction data the offline electronic payment operation is carried out at said first terminal then.
The embodiment of the invention has following technique effect: the terminal of the embodiment of the invention adopts private key that the Transaction Information of its transmission is carried out digital signature; Adopt PKI to carry out authentication to the Transaction Information that receives simultaneously; On the one hand, verify both parties' identity, improved the fail safe of transaction; On the other hand, adopt asymmetric key to carry out digital signature and checking, make process of exchange have trackability.
See also Fig. 2, be the flow chart of second embodiment of the safety certifying method of portable terminal of the present invention; Said method comprises:
S201, payment request message is sent to second terminal in first terminal, and said payment request message is drawn together first digital signature that transaction data and first terminal adopt private key to sign.
In concrete the realization, said first terminal is the beneficiary terminal of transaction, and said second terminal is the paying party terminal of transaction.Both sides send payment request message by said first terminal to second terminal in when transaction, and said payment request message is drawn together first digital signature that transaction data and first terminal adopt private key to sign.In addition, said payment request message can also comprise the PKI at first terminal.Said transaction data is meant dealing money, i.e. the number of paying party account payable.Said first terminal adopts private key that said payment request message is signed, and is called first digital signature, so that second terminal adopts the PKI at first terminal that the digital signature at said first terminal is carried out authentication after receiving said payment request message.The PKI at wherein said first terminal can send to second terminal by first terminal in said payment request message, also can be obtained by the mode of second terminal through other.Preferably, said payment request message also utilizes working key to encrypt, to improve the fail safe of transaction.
Step S202; Said second terminal receives said payment request message; And said first digital signature carried out authentication; Authentication is sent to said first terminal through the back and is agreed payment message, and said agreement payment message comprises second digital signature that said second terminal adopts private key to sign.
In concrete the realization, second terminal receives said payment request message, utilizes working key to decipher earlier, adopts the PKI at second terminal that its first digital signature is carried out authentication then.If authentication is passed through; Then send and agree payment message to said first terminal; Said agreement payment message comprises second digital signature that said second terminal adopts private key to sign, so that first terminal adopts the PKI at second terminal that said second digital signature is carried out authentication after receiving said agreement payment message.The PKI at wherein said second terminal can send to first terminal by second terminal in said agreement payment message, also can be obtained by the mode of first terminal through other.If authentification failure then stops transaction, second terminal can show " authentification failure " information, and the prompting object that the user concluded the business is illegal.Preferably, said agreement payment message also utilizes working key to encrypt, to improve the fail safe of transaction.
Step S203, said first terminal receives said agreement payment message, and said second digital signature is carried out authentication, and authentication is sent to said second terminal through the back and is confirmed payment message.
In concrete the realization, said first terminal receives said agreement payment message, utilizes the working key deciphering earlier, adopts the PKI at second terminal that said second digital signature is carried out authentication then.If authentication is passed through, then send and confirm payment message to said second terminal; If authentification failure then stops transaction, first terminal can show " authentification failure " information, and the prompting object that the user concluded the business is illegal.Preferably, said affirmation payment message also utilizes working key to encrypt, to improve the fail safe of transaction.
Step S204, second terminal receives said affirmation payment message, in second terminal, deducts the respective electronic amount of money according to said transaction data, generates and preserve the second transaction record information.
In concrete the realization, said second terminal receives said affirmation payment message, and utilizes working key that it is deciphered, and in second terminal, deducts the respective electronic amount of money according to said transaction data then, generates and preserve the second transaction record information.The said second transaction record information includes but not limited to: transaction data, exchange hour and trading object.
Step S205, said second terminal is sent payment to said first terminal and is accomplished message, and second digital signature that message comprises that the said transaction data and second terminal adopt private key to sign is accomplished in said payment.
In concrete the realization; Said second terminal is sent payment to said first terminal and is accomplished message; Second digital signature that message comprises that the said transaction data and second terminal adopt private key to sign is accomplished in said payment, adopts the PKI at second terminal that said second digital signature is carried out authentication so that receive after message is accomplished in said payment at first terminal.The PKI at wherein said second terminal can be accomplished in the message in said payment by second terminal and send to first terminal, also can be obtained by the mode of first terminal through other.Preferably, said payment is accomplished message and is also utilized working key to encrypt, to improve the fail safe of transaction.
Step S206; Said first terminal receives said payment and accomplishes message, and said second digital signature is carried out authentication, and check said transaction data correct after; The respective electronic amount of money is added in first terminal, generate and preserve the first transaction record information.
In concrete the realization, first terminal receives said payment and accomplishes message, utilizes working key that it is deciphered earlier, adopt the PKI at second terminal that said second digital signature is carried out authentication then, and whether check said transaction data correct.If authentication is passed through, transaction data is checked correctly, and then add the respective electronic amount of money in the first terminal electronic account at first terminal, generates and preserve the first transaction record information.The said first transaction record information includes but not limited to: transaction data, exchange hour and trading object.If authentification failure, perhaps transaction data is wrong, and then prompting " authentification failure " or information such as " data are wrong " stops transaction.
The embodiment of the invention has following technique effect: the terminal of the embodiment of the invention adopts private key that the Transaction Information of its transmission is carried out digital signature; Adopt PKI to carry out authentication to the Transaction Information that receives simultaneously; On the one hand, verify both parties' identity, improved the fail safe of transaction; On the other hand, adopt asymmetric key to carry out digital signature and checking, make process of exchange have trackability.
See also Fig. 3, be the flow chart of the 3rd embodiment of the safety certifying method of portable terminal of the present invention; Said method comprises:
S301, payment request message is sent to second terminal in first terminal, and said payment request message is drawn together first digital signature that transaction data and first terminal adopt private key to sign.
In concrete the realization, said first terminal is the beneficiary terminal of transaction, and said second terminal is the paying party terminal of transaction.Both sides send payment request message by said first terminal to second terminal in when transaction, and said payment request message is drawn together first digital signature that transaction data and first terminal adopt private key to sign.In addition, said payment request message can also comprise the PKI at first terminal.Said transaction data is meant dealing money, i.e. the number of paying party account payable.Said first terminal adopts private key that said payment request message is signed, and is called first digital signature, so that second terminal adopts the PKI at first terminal that the digital signature at said first terminal is carried out authentication after receiving said payment request message.The PKI at wherein said first terminal can send to second terminal by first terminal in said payment request message, also can be obtained by the mode of second terminal through other.Preferably, said payment request message also utilizes working key to encrypt, to improve the fail safe of transaction.
Step S302; Said second terminal receives said payment request message; And said first digital signature carried out authentication; Authentication is sent to said first terminal through the back and is agreed payment message, and said agreement payment message comprises second digital signature that said second terminal adopts private key to sign.
In concrete the realization, second terminal receives said payment request message, utilizes working key to decipher earlier, adopts the PKI at second terminal that its first digital signature is carried out authentication then.If authentication is passed through; Then send and agree payment message to said first terminal; Said agreement payment message comprises second digital signature that said second terminal adopts private key to sign, so that first terminal adopts the PKI at second terminal that said second digital signature is carried out authentication after receiving said agreement payment message.The PKI at wherein said second terminal can send to first terminal by second terminal in said agreement payment message, also can be obtained by the mode of first terminal through other.If authentification failure then stops transaction, second terminal can show " authentification failure " information, and the prompting object that the user concluded the business is illegal.Preferably, said agreement payment message also utilizes working key to encrypt, to improve the fail safe of transaction.
Step S303, said first terminal receives said agreement payment message, and said second digital signature is carried out authentication, and authentication is sent to said second terminal through the back and is confirmed payment message.
In concrete the realization, said first terminal receives said agreement payment message, utilizes the working key deciphering earlier, adopts the PKI at second terminal that said second digital signature is carried out authentication then.If authentication is passed through, then send and confirm payment message to said second terminal; If authentification failure then stops transaction, first terminal can show " authentification failure " information, and the prompting object that the user concluded the business is illegal.Preferably, said affirmation payment message also utilizes working key to encrypt, to improve the fail safe of transaction.
Step S304, second terminal receives said affirmation payment message, in second terminal, deducts the respective electronic amount of money according to said transaction data, generates and preserve the second transaction record information.
In concrete the realization, said second terminal receives said affirmation payment message, and utilizes working key that it is deciphered, and in second terminal, deducts the respective electronic amount of money according to said transaction data then, generates and preserve the second transaction record information.The said second transaction record information includes but not limited to: transaction data, exchange hour and trading object.
Step S305, said second terminal is sent payment to said first terminal and is accomplished message, and second digital signature that message comprises that the said transaction data and second terminal adopt private key to sign is accomplished in said payment.
In concrete the realization; Said second terminal is sent payment to said first terminal and is accomplished message; Second digital signature that message comprises that the said transaction data and second terminal adopt private key to sign is accomplished in said payment, adopts the PKI at second terminal that said second digital signature is carried out authentication so that receive after message is accomplished in said payment at first terminal.The PKI at wherein said second terminal can be accomplished in the message in said payment by second terminal and send to first terminal, also can be obtained by the mode of first terminal through other.Preferably, said payment is accomplished message and is also utilized working key to encrypt, to improve the fail safe of transaction.
Step S306; Said first terminal receives said payment and accomplishes message, and said second digital signature is carried out authentication, and check said transaction data correct after; The respective electronic amount of money is added in first terminal, generate and preserve the first transaction record information.
In concrete the realization, first terminal receives said payment and accomplishes message, utilizes working key that it is deciphered earlier, adopt the PKI at second terminal that said second digital signature is carried out authentication then, and whether check said transaction data correct.If authentication is passed through, transaction data is checked correctly, and then add the respective electronic amount of money in the first terminal electronic account at first terminal, generates and preserve the first transaction record information.The said first transaction record information includes but not limited to: transaction data, exchange hour and trading object.If authentification failure, perhaps transaction data is wrong, and then prompting " authentification failure " or information such as " data are wrong " stops transaction.
Step S307; Network with the backstage respectively in said first terminal and said second terminal; Send said first transaction record information and the said second transaction record information to the backstage, the backstage changes and produces operation according to said first transaction record information and the said second transaction record information over to the electronic funds in said first terminal and said second terminal.
In concrete the realization, operating process is following, please in the lump referring to Fig. 4:
1, terminal and backstage networking, and initiatively send the request of registering to the backstage.
2, the said request of registering is received on the backstage, sends random number and gives the terminal.
3, the terminal receives said random number, and said random number is signed, and this signature is sent to the backstage as the part of the information of registering.
4, the backstage is verified the information of registering, if checking is passed through, then sends the confirmation of registering and gives the terminal.
5, label are tested to the confirmation of registering in the terminal, if pass through, then begin to send transaction record to the backstage in batches.
6, the backstage receives said transaction record, and the transaction data in the transaction record is handled.After disposing, send the confirmation that disposes and give the terminal.
Embodiment of the present invention embodiment has following beneficial effect:
1, the terminal of the embodiment of the invention adopts private key that the Transaction Information of its transmission is carried out digital signature, adopts PKI to carry out authentication to the Transaction Information that receives simultaneously, on the one hand, has verified both parties' identity, has improved the fail safe of transaction; On the other hand, adopt asymmetric key to carry out digital signature and checking, make process of exchange have trackability.
2, transaction does not need real-time networking; Under off-line mode, can realize; The concrete method that adopts is: the terminal generates transaction record when each off-line trading, said transaction record comprises transaction data, exchange hour, trading object, and network on a certain specific time and backstage in the terminal then; Send said transaction record to the backstage, the backstage is carried out batch according to transaction record and is transferred accounts.Like this, both realize the transaction under the off-line mode, and made process of exchange to be followed the trail of again, improved the fail safe of off-line trading.
Accordingly, the invention also discloses a kind of terminal.
See also Fig. 5, be the structural representation of first embodiment at terminal of the present invention, said terminal 1 comprises:
In concrete the realization, memory cell 11 can be the memory at terminal.All there is own specific device certificate at each terminal, has distinctive ID sign indicating number.And the key that comprises PKI and private key that has the CA center to authorize is right.Wherein, PKI can be derived, by the public is known; Private key is then preserved by the terminal, can not derive.Private key can be used for the information that the terminal will be sent is signed, and is convenient to review information source.
In concrete the realization, it is understandable that it is an encrypted process that said signature unit 12 is accomplished on the process nature of digital signature, on this process and the existing P C machine to utilize AES to carry out encrypted process similar, do not give unnecessary details at this.
Transmit-Receive Unit 13 is used for the information that said terminal will be sent is sent to another terminal, receives the information that another terminal sends over, and PKI is wherein offered said authentication ' unit.
In concrete the realization, said Transmit-Receive Unit 13 is used for to information such as another terminal transmission Payment Request, and receives the information such as agreement payment that another terminal sends over.When comprising PKI in the information that another terminal sends over, then said PKI is offered said authentication ' unit.
Authentication ' unit 14 is used to adopt said PKI that authentication is carried out at another terminal.
In concrete the realization, the PKI that the PKI that said authentication ' unit 14 employing Transmit-Receive Units 13 provide or other modes are known is tested label to the digital signature at another terminal, to realize the authentication to another terminal.
In concrete the realization, when the terminal was paying party, said capital management unit 15 was deducted the electronic sum of money of its storage according to the number of payment accordingly, for example: pay the bill 100 yuan, then electronic sum of money is deducted 100; When the terminal was beneficiary, said capital management unit 15 increased according to the electronic sum of money of the number of collecting money to its storage accordingly, for example: collect money 100 yuan, then electronic sum of money is increased by 100.
In concrete the realization, said transaction record information includes but not limited to: transaction data, exchange hour and trading object.Said transaction data can be positive number or negative, and positive number is represented gathering, the negative number representation payment; Precise time when exchange hour is the transaction completion, for example: 20: 15: 48 on the 11st October in 2010; Trading object is the ID sign indicating number at another terminal, obtains when its digital signature is carried out authentication.
The embodiment of the invention has following technique effect: the terminal of the embodiment of the invention adopts private key that the Transaction Information of its transmission is carried out digital signature; Adopt PKI to carry out authentication to the Transaction Information that receives simultaneously; On the one hand, verify both parties' identity, improved the fail safe of transaction; On the other hand, adopt asymmetric key to carry out digital signature and checking, make process of exchange have trackability.
See also Fig. 6, be the structural representation of second embodiment at terminal of the present invention, said terminal 2 comprises:
In concrete the realization, said memory cell 21 is identical with middle memory cell 11 embodiment illustrated in fig. 5, does not give unnecessary details here.
In concrete the realization, said signature unit 22 is identical with middle signature unit 12 embodiment illustrated in fig. 5, does not give unnecessary details here.
Transmit-Receive Unit 23 is used for the information that said terminal will be sent is sent to another terminal, receives the information that another terminal sends over, and PKI is wherein offered said authentication ' unit.
In concrete the realization, said Transmit-Receive Unit 23 is identical with middle Transmit-Receive Unit 13 embodiment illustrated in fig. 5, does not give unnecessary details here.
Authentication ' unit 24 is used to adopt said PKI that authentication is carried out at another terminal.
In concrete the realization, said authentication ' unit 24 is identical with middle authentication ' unit 14 embodiment illustrated in fig. 5, does not give unnecessary details here.
In concrete the realization, said capital management unit 25 is identical with middle capital management unit 15 embodiment illustrated in fig. 5, does not give unnecessary details here.
In concrete the realization, said transaction record unit 26 is identical with middle transaction record unit 16 embodiment illustrated in fig. 5, does not give unnecessary details here.
Ciphering unit 27, the information that is used for will sending said terminal adopts working key to encrypt;
In concrete the realization, said working key is a symmetric key, is used for further improving the fail safe of message transmission.
The embodiment of the invention has following technique effect: the terminal of the embodiment of the invention adopts private key that the Transaction Information of its transmission is carried out digital signature; Adopt PKI to carry out authentication to the Transaction Information that receives simultaneously; On the one hand, verify both parties' identity, improved the fail safe of transaction; On the other hand, adopt asymmetric key to carry out digital signature and checking, make process of exchange have trackability.In addition, adopt working key that the information that will send is encrypted, further improve the fail safe of transaction.
See also Fig. 7, be the structural representation of the 3rd embodiment at terminal of the present invention, said terminal 3 comprises:
In concrete the realization, said memory cell 31 is identical with middle memory cell 11 embodiment illustrated in fig. 5, does not give unnecessary details here.
In concrete the realization, said signature unit 32 is identical with middle signature unit 12 embodiment illustrated in fig. 5, does not give unnecessary details here.
Transmit-Receive Unit 33 is used for the information that said terminal will be sent is sent to another terminal, receives the information that another terminal sends over, and PKI is wherein offered said authentication ' unit.
In concrete the realization, said Transmit-Receive Unit 33 is identical with middle Transmit-Receive Unit 13 embodiment illustrated in fig. 5, does not give unnecessary details here.
Authentication ' unit 34 is used to adopt said PKI that authentication is carried out at another terminal.
In concrete the realization, said authentication ' unit 34 is identical with middle authentication ' unit 14 embodiment illustrated in fig. 5, does not give unnecessary details here.
In concrete the realization, said capital management unit 35 is identical with middle capital management unit 15 embodiment illustrated in fig. 5, does not give unnecessary details here.
In concrete the realization, said transaction record unit 36 is identical with middle transaction record unit 16 embodiment illustrated in fig. 5, does not give unnecessary details here.
In concrete the realization, said networking unit 37 sends said transaction record in a certain specific time and backstage networking to the backstage, and the backstage is carried out batch process according to transaction record to the electronic sum of money in the terminal.
Embodiment of the present invention embodiment has following beneficial effect:
1, the terminal of the embodiment of the invention adopts private key that the Transaction Information of its transmission is carried out digital signature, adopts PKI to carry out authentication to the Transaction Information that receives simultaneously, on the one hand, has verified both parties' identity, has improved the fail safe of transaction; On the other hand, adopt asymmetric key to carry out digital signature and checking, make process of exchange have trackability.
2, transaction does not need real-time networking; Under off-line mode, can realize; The concrete method that adopts is: the terminal generates transaction record when each off-line trading, said transaction record comprises transaction data, exchange hour, trading object, and network on a certain specific time and backstage in the terminal then; Send said transaction record to the backstage, the backstage is carried out batch according to transaction record and is transferred accounts.Like this, both realize the transaction under the off-line mode, and made process of exchange to be followed the trail of again, improved the fail safe of off-line trading.
One of ordinary skill in the art will appreciate that all or part of flow process that realizes in the foregoing description method; Be to instruct relevant hardware to accomplish through computer program; Described program can be stored in the computer read/write memory medium; This program can comprise the flow process like the embodiment of above-mentioned each side method when carrying out.Wherein, described storage medium can be magnetic disc, CD, read-only storage memory body (Read-Only Memory, ROM) or at random store memory body (Random Access Memory, RAM) etc.
Above disclosedly be merely preferred embodiment of the present invention; Certainly can not limit the present invention's interest field with this; One of ordinary skill in the art will appreciate that all or part of flow process that realizes the foregoing description; And, still belong to the scope that invention is contained according to the equivalent variations that claim of the present invention is done.
Claims (10)
1. off-line mode identity and business confirmation method is characterized in that, comprising:
Payment request message is sent to second terminal in first terminal, and said payment request message is drawn together first digital signature that transaction data and said first terminal adopt private key to sign;
Said second terminal receives said payment request message; And said first digital signature carried out authentication; Authentication is sent to said first terminal through the back and is agreed payment message, and said agreement payment message comprises second digital signature that said second terminal adopts private key to sign;
Said first terminal receives said agreement payment message, and said second digital signature is carried out authentication, and authentication is sent to said second terminal through the back and confirmed payment message;
Said second terminal receives said affirmation payment message, according to said transaction data the offline electronic payment operation is carried out at said first terminal.
2. the method for claim 1 is characterized in that, said second terminal receives said affirmation payment message, according to said transaction data the offline electronic payment operating procedure is carried out at said first terminal and comprises:
Second terminal receives said affirmation payment message, in second terminal, deducts the respective electronic amount of money according to said transaction data, generates and preserve the second transaction record information;
Said second terminal is sent payment to said first terminal and is accomplished message, and second digital signature that message comprises that the said transaction data and second terminal adopt private key to sign is accomplished in said payment;
Said first terminal receives said payment and accomplishes message, and said second digital signature is carried out authentication, and check said transaction data correct after, the respective electronic amount of money is added in first terminal, generate and preserve the first transaction record information.
3. method as claimed in claim 2 is characterized in that: said second terminal receives said affirmation payment message, according to said transaction data said first terminal is carried out also comprising after the offline electronic payment operating procedure:
Network with the backstage respectively in said first terminal and said second terminal; Send said first transaction record information and the said second transaction record information to the backstage, the backstage changes and produces operation according to said first transaction record information and the said second transaction record information over to the electronic funds in said first terminal and said second terminal.
4. method as claimed in claim 2 is characterized in that, said first transaction record information and the said second transaction record information include but not limited to: transaction data, exchange hour and trading object.
5. method as claimed in claim 2 is characterized in that said payment request message also comprises the PKI at first terminal, is used for authentication is carried out at said first terminal; Said agreement payment message also comprises the PKI at second terminal, is used for authentication is carried out at said second terminal.
6. like each described method of claim 1-5; It is characterized in that; Said first terminal or said second terminal are when the other side sends message, and transmit leg utilizes working key that the message that will send is encrypted, and the recipient utilizes working key that the message that receives is deciphered.
7. a terminal is characterized in that, comprising:
Memory cell is used for the distinctive ID sign indicating number of storage terminal and comprises that the key of PKI and private key is right;
Signature unit, the information that is used to utilize the private key of the key pair of said cell stores will send said terminal is carried out digital signature;
Transmit-Receive Unit is used for the information that said terminal will be sent is sent to another terminal, receives the information that another terminal sends over, and PKI is wherein offered said authentication ' unit;
Authentication ' unit is used to adopt said PKI that authentication is carried out at another terminal;
The capital management unit is used for the electronic sum of money of storage terminal and according to transaction data said electronic sum of money is carried out corresponding operating;
The transaction record unit is used for generating and preserve transaction record information according to the transaction situation.
8. terminal as claimed in claim 7 is characterized in that, said transaction record information includes but not limited to: transaction data, exchange hour and trading object.
9. like each described terminal of claim 7, it is characterized in that this terminal also comprises:
Ciphering unit, the information that is used for will sending said terminal adopts working key to encrypt;
Decryption unit, the information that is used for that said terminal is received adopts working key to decipher.
10. like each described terminal of claim 7-9, it is characterized in that this terminal also comprises:
The networking unit is used for and the backstage networking, sends said transaction record information to the backstage, and transferring accounts of electronic funds accomplished according to said transaction record information in said backstage.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010105467286A CN102468960A (en) | 2010-11-16 | 2010-11-16 | Off-line mode identity and transaction authentication method and terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010105467286A CN102468960A (en) | 2010-11-16 | 2010-11-16 | Off-line mode identity and transaction authentication method and terminal |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN102468960A true CN102468960A (en) | 2012-05-23 |
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ID=46072172
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010105467286A Pending CN102468960A (en) | 2010-11-16 | 2010-11-16 | Off-line mode identity and transaction authentication method and terminal |
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| Country | Link |
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| CN (1) | CN102468960A (en) |
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| CN110443615A (en) * | 2019-08-13 | 2019-11-12 | 中国联合网络通信集团有限公司 | Account management method and system based on block chain |
| WO2021082660A1 (en) * | 2019-10-30 | 2021-05-06 | 支付宝(杭州)信息技术有限公司 | Method and apparatus for realizing dual offline payment |
| CN111340484A (en) * | 2020-02-14 | 2020-06-26 | 支付宝(杭州)信息技术有限公司 | Payment verification method, device, system, storage medium and computer equipment |
| CN111523869A (en) * | 2020-04-09 | 2020-08-11 | 天地融科技股份有限公司 | Off-line transaction method and system for digital currency |
| CN113379412A (en) * | 2021-02-26 | 2021-09-10 | 中国银联股份有限公司 | Readable and writable electronic tag, payment method and device based on tag |
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Application publication date: 20120523 |