CN103400267A - System and method for generating currency file, safety equipment, transaction system and method - Google Patents
System and method for generating currency file, safety equipment, transaction system and method Download PDFInfo
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- CN103400267A CN103400267A CN2013102945699A CN201310294569A CN103400267A CN 103400267 A CN103400267 A CN 103400267A CN 2013102945699 A CN2013102945699 A CN 2013102945699A CN 201310294569 A CN201310294569 A CN 201310294569A CN 103400267 A CN103400267 A CN 103400267A
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Abstract
The invention provides a system for generating a currency file. A currency file issuing system comprises initial currency generating equipment and background transaction processing equipment, wherein the initial currency generating equipment is used for generating initial currencies; the initial currencies are digital files comprising identification data; the identification data comprise currency denominations; the background transaction processing equipment can sign the initial currencies for the first time to form the currency file with a first certificate; and data participating in the first signature comprise the initial currencies and information of a currency file owner. The invention also provides a method for generating the currency file by using the system, safety equipment, a transaction system comprising the safety equipment and a method for transaction by using the transaction system. According to the transaction method disclosed by the invention, the currency file can be delivered among different sets of safety equipment, and sorting liquidation is not needed, so that the transaction flow is simplified.
Description
Technical field
The present invention relates to the E-Payment field, particularly, relate to a kind of a kind of system of currency document, a kind of method, a kind of safety equipment of currency document, a kind of transaction system and method for utilizing this transaction system to conclude the business that comprises these safety equipment of storing of utilizing this system to generate currency document of generating.
Background technology
At present, the normal method of payment that adopts comprises stored value card, electronic cash and debit credit bookkeeping etc. in the E-Payment field.In said method, the balance of funding is with on the present card of the form body of numeral, and during transaction, card is realized external authentication by terminal POS, thereby realizes the increase and decrease of the balance of funding in the account of backstage.Existing electronic payment transaction system is mainly that the system by the acquirer is processed the accepting of transaction, accesses, distributed, the taking over of confirmation and service charge, then, by card issuer's transmitted transaction, by card issuer's system, is completed and concluded the business and return results to the acquirer.
Existing electronic payment transaction system is to operate between the system by the mechanism at holder's card sending mechanism and merchant account place to the account operation of holder and trade company, what acquirer's system was only concluded the business accepts and access, data preparation and result feedback, and can not carry out actual account operation, so the operation of trading account can not complete in real time, usually, also need by receiving single system, account to be carried out generating batch documents after reconciliation and sorting clearance, then kept accounts in batches by mechanism's execution at account place.
As mentioned above, utilize above-mentioned transaction system can not realize direct flow of fund between the holder, that is, ignore the i.e. receipts of the fund of realization and namely use.Therefore, how to realize that the i.e. receipts of fund between the holder are namely with becoming this area technical matters urgently to be resolved hurrily.
Summary of the invention
The object of the present invention is to provide a kind of a kind of system of currency document, a kind of a kind of method of this system generation currency document, safety equipment of currency document Trading Authorization, a kind of transaction system and method for utilizing this transaction system to conclude the business that comprises these safety equipment utilized of generating.While utilizing described transaction system to conclude the business, can realize that the i.e. receipts of the fund between the safety equipment possessor are namely used.
as first aspect of the present invention, a kind of system that generates currency document is provided, wherein, this currency document publishing system comprises that initial currency generates equipment and backstage transaction processing equipment, described initial currency generation equipment is for generating initial currency, described initial currency is the digital document that comprises identification data, described identification data comprises denomination, described backstage transaction processing equipment can be signed for the first time to described initial currency, the currency document that has First Certificate with formation, the data that participate in signing for the first time comprise possessor's information of described initial currency and currency document.
Preferably, described identification data also comprises at least one in issuer's title, issuer's code, sequence number, issuing date, the term of validity.
Preferably, described initial currency also comprises the initial certificate of described identification data being signed for the first time and obtaining by described initial currency generation equipment.
Preferably, described backstage transaction processing equipment can utilize the first key to carry out described signature for the first time.
As second aspect of the present invention, provide a kind of and utilize above-mentioned system provided by the present invention to generate the method for currency document, wherein, the method comprises:
Preferably, described step 1 also comprises that utilizing described initial currency to generate equipment signs for the first time to described identification data, so that described initial currency has described initial certificate.
Preferably, in described step 2, utilize the first key to carry out described signature for the first time.
As the 3rd aspect of the present invention, a kind of safety equipment are provided, these safety equipment comprise chip, wherein, in this chip, store secret data, this secret data is signed for the second time for the currency document to utilizing said method provided by the present invention to generate, and with formation, has the currency document of the second certificate, and the data that participate in signing for the second time comprise currency document take over party's information and described currency document.
Preferably, second key of described secret data for not can read.
Preferably, described safety equipment comprise be used to depositing the first memory of described currency document.
Preferably, described safety equipment comprise link, and this link is for being connected with external load module and/or external display module.
Preferably, described safety equipment comprise built-in load module and/or built-in display module, and this built-in load module all is connected with described chip with built-in display module.
Preferably, described safety equipment comprise communication module, and this communication module is connected with described chip.
as the 4th aspect of the present invention, a kind of transaction system is provided, this transaction system comprises the paying party safety equipment, beneficiary safety equipment and backstage transaction processing equipment, it is characterized in that, described paying party safety equipment and described beneficiary safety equipment are above-mentioned safety equipment provided by the present invention, described paying party safety equipment can be signed for the second time to the currency document that utilizes said method provided by the present invention to generate, , the currency document that has the second certificate with formation, and described paying party safety equipment can be sent to described beneficiary safety equipment by described currency document with second certificate, the described currency document with second certificate that described beneficiary safety equipment can send described paying party safety equipment is sent to described backstage transaction processing equipment, described backstage transaction processing equipment can change to beneficiary by paying party by possessor's information of described currency document.
Preferably, described backstage transaction processing equipment can be verified described First Certificate and described the second certificate with currency document of the second certificate.
Preferably, described beneficiary safety equipment can be verified described First Certificate and the second certificate with currency document of the second certificate.
Preferably, described backstage transaction processing equipment can send Transaction Success or failed information to described paying party safety equipment and/or beneficiary safety equipment.
Preferably, described beneficiary safety equipment send to described backstage transaction processing equipment by communication module by described currency document.
Preferably, described transaction system also comprises terminal device, this terminal device comprises external load module and external display module, and described terminal device comprises communication interface, with the link of the link with described paying party safety equipment and/or described beneficiary safety equipment, is connected.
Preferably, described terminal device also comprises be used to storing the second memory of described currency document.
As the 5th aspect of the present invention, a kind of method of utilizing above-mentioned transaction system provided by the present invention to conclude the business is provided, wherein, the method comprises:
Paying party is selected currency document to be paid, utilize described secret data to sign for the second time to currency document to be paid, to obtain to have the currency document of the second certificate, paying party utilizes described paying party safety equipment that described currency document with second certificate is sent to described beneficiary safety equipment;
After step 300, described beneficiary safety equipment are received described currency document with second certificate, described currency document with second certificate is sent to described backstage transaction processing equipment, with possessor's information of the currency document by in described First Certificate, by paying party, changes to beneficiary.
Preferably, described step 300 also comprises utilizes described backstage transaction processing equipment to verify described First Certificate and the second certificate with currency document of the second certificate, after described First Certificate and described the second certification authentication correctly, possessor's information of described currency document is changed to beneficiary by paying party.
Preferably, described step 300 comprises utilizes described beneficiary safety equipment respectively First Certificate and the second certificate in described currency document with second certificate to be verified, when described First Certificate and described the second certification authentication are established and sent described currency document with second certificate to described backstage transaction processing after correct.
Preferably, described method also comprises:
Preferably, described method also comprises:
In step 600, delete step 500, be recycled to the First Certificate of the currency document in the transaction processing equipment of backstage, and this currency document is recycled to initial currency generation equipment.
Utilize the First Certificate of the currency document that currency document generation system of the present invention and method generate to comprise possessor's information of currency document, therefore, can effectively prevent the file of counterfeiting currency, increased the security while utilizing currency document to conclude the business.In addition, due to each currency document, have currency possessor's information, be conducive to note issuance side currency is supervised.In case the safety equipment of storage currency document are lost, the possessor of currency document can report the loss in time, avoids loss.In process of exchange, can between different safety equipment, transmit the currency document that system provided by the present invention generates, therefore, circulation style and the bill of this currency document are similar, without the publisher of safety equipment or the publisher of currency document, carry out the sorting clearance, can realize instant the arrive account of currency document between safety equipment, simplify transaction flow, shorten exchange hour.
The accompanying drawing explanation
Accompanying drawing is to be used to provide a further understanding of the present invention, and forms the part of instructions, with following embodiment one, is used from explanation the present invention, but is not construed as limiting the invention.In the accompanying drawings:
Fig. 1 is the schematic diagram of currency document generation system provided by the present invention;
Fig. 2 is the process flow diagram of the method for generation currency document provided by the present invention;
Fig. 3 is the schematic diagram of the first embodiment of safety equipment provided by the present invention;
Fig. 4 is the schematic diagram of the second embodiment of safety equipment provided by the present invention;
Fig. 5 is the schematic diagram of transaction system provided by the present invention;
Fig. 6 is the schematic flow sheet of the method that provides of present disclosure.
Description of reference numerals
1: chip 2: built-in display module
3: built-in load module 4: communication module
5: link 6: terminal device
10: initial currency generates equipment 20: backstage transaction processing equipment
30: beneficiary safety equipment 40: the paying party safety equipment
61: external display module 62: external load module
Embodiment
Below in conjunction with accompanying drawing, the specific embodiment of the present invention is elaborated.Should be understood that, embodiment described herein only, for description and interpretation the present invention, is not limited to the present invention.
as shown in Figure 1, as first aspect of the present invention, a kind of system that generates currency document is provided, wherein, this currency document publishing system comprises that initial currency generates equipment 10 and backstage transaction processing equipment 20, initial currency generates equipment 10 be used to generating initial currency, this initial currency is the digital document that comprises identification data, described identification data comprises denomination, backstage transaction processing equipment 20 can be signed for the first time to described initial currency, the currency document that has First Certificate with formation, the information that participates in signing for the first time comprises possessor's information of described initial currency and currency document.
The First Certificate of each currency document comprises possessor's information and the described identification data of currency document, thereby can effectively prevent the file of counterfeiting currency, and has increased the security while utilizing currency document to conclude the business.
In addition, due to each currency document, have currency possessor's information, be conducive to note issuance side currency is supervised.In the present invention, in case (this equipment can be the safety equipment of hereinafter introducing to the equipment of storage currency document, can be also other terminal devices with memory function) lose, the possessor of currency document can directly report the loss currency document in time, avoids causing damage.
In the process of transaction, can between different safety equipment, transmit currency document, therefore, circulation style and the bill of this currency document are similar, without the publisher of the safety equipment of storing currency document or the publisher of currency document, carry out the sorting clearance, can realize instant the arrive account of currency document between safety equipment, shorten exchange hour.
In the present invention, described identification data characterizes the feature of initial currency, and the currency document that forms after signing for the first time also has described identification data.This identification data is used for a currency document and another currency document are differentiated, thereby prevents the file of counterfeiting currency.To the initial currency rear formation currency document of signing for the first time, this currency document, except comprising described identification data, also comprises possessor's information of currency document, thereby can further prevent the file of counterfeiting currency.Preferably, described identification data can also comprise at least one in issuer's title of generating described initial currency, issuer's code, sequence number, issuing date, the term of validity.
Should be understood that, " generating the issuer of described initial currency " described herein is not that initial currency generates equipment, but initial currency generates the mechanism that holds of equipment.Be equivalent to issue the Central Bank of bill.Sequence number refers to the numbering by the initial currency that forms currency document.The sequence number of each initial currency is well-determined." term of validity " described herein refers to the term of validity that currency document can circulate.After currency document surpasses the term of validity, can not continue circulation, issuer can reclaim currency document.
In addition, described identification data can also comprise various souvenir information (for example, commemorating the information of the Olympic Games), makes described currency document form memorial money, for collection.
Through the initial currency of signing for the first time, cannot not circulate, therefore, " signature for the first time " described herein is equivalent to the initial currency that initial currency generation equipment generates is activated.Initial currency after activating can be called as currency document, thereby is more convenient for currency document is supervised.
Currency document with First Certificate has uniqueness, and is not reproducible, even if also can't use after being stolen, it is hereby ensured the security of currency document, can be to possessor's economic loss of currency document.
Currency document can have the denomination identical with existing currency, and for example, the denomination of currency document can be 100 yuan, 50 yuan, 20 yuan etc.
When currency document issuer was many, the described initial currency of every currency document issuer generated equipment and can sign for the first time to described identification data so that described initial currency have initial certificate.That is, described initial currency comprises described identification data and initial certificate.By initial certificate being verified to the issuer that can confirm currency document, thereby can further prevent the file of counterfeiting currency.Can utilize initial key to carry out described first signature, described initial key can make symmetric key, can be also unsymmetrical key.
In the present invention, backstage transaction processing equipment 20 can utilize the first key to sign for the first time to described initial currency.In the transaction processing equipment of backstage, can store be used to verifying the first key of First Certificate.Described the first key can be symmetric key, can be also unsymmetrical key.
At backstage transaction processing equipment 20, utilize in the situation that unsymmetrical key signs for the first time, described the first key comprises the first private key and the first PKI, in backstage transaction processing 20, stores the first private key.Backstage transaction processing equipment 20 will be disclosed with the first PKI of this first private key coupling, and be stored in safety equipment, safety equipment can utilize the first PKI to verify the First Certificate of currency document, to identify its true and false, have improved the security of currency document.
As second aspect of the present invention, a kind of method of utilizing said system that present disclosure provides to generate currency document is provided, wherein, the method comprises:
As noted before, described step 1 can also comprise that utilizing described initial currency to generate equipment signs for the first time to described identification data, so that described initial currency has described initial certificate.
Also as noted before, can utilize the first key to sign for the first time, described the first key can be symmetric key, is also unsymmetrical key.
As the 3rd aspect of the present invention, a kind of safety equipment also are provided, these safety equipment comprise chip, wherein, in this chip, store secret data, this secret data is signed for the second time for the currency document to utilizing said method provided by the present invention to generate, and with generation, has the currency document of the second certificate, and the data that participate in signing for the second time comprise currency document take over party's information and described currency document.
Participating in the information of signature for the second time can comprise currency document take over party's information and participate in all information (information that comprises the possessor of described identification data and currency document) of signature for the first time.Utilize described secret data to carry out signature form for the second time to described currency document and understand the approval of the possessor of currency document to transaction, thereby can improve the security of transaction.
Described safety equipment can be signed for the second time to the currency document with different denominations.In the chip 1 of described safety equipment, store the secret data at process of exchange, described currency document being signed for the second time, when concluding the business, can utilize this secret data to sign for the second time to the currency document with First Certificate, the information of signature for the second time that participates in comprises the currency document take over party (namely, beneficiary) information, thereby reception object that can the definitive money file, avoided the currency document mistake is sent out other people risk, the security that has improved process of exchange.
In the present invention, described secure file is by the unified distribution of card sending mechanism.Card sending mechanism herein is for the management of " the backstage transaction processing equipment " hereinafter mentioned and use mechanism.After the client applied for safety equipment, card sending mechanism was individualized by safety equipment, in safety equipment, generated one group of secret data for signing for the second time.After the client takes described safety equipment, can utilize bill to buy currency document to card sending mechanism.
In order to improve the security of transaction, preferably, second key of described secret data for not can read.Can sign for the second time with symmetric key, also can utilize unsymmetrical key to sign for the second time, when utilizing unsymmetrical key to sign for the second time, the second key can be the second private key, in described safety equipment, stores the second PKI with described secret data coupling.After the possessor of safety equipment receives the currency document from other safety equipment, can utilize described the second PKI to verify the second certificate of the currency document that receives, to confirm its true and false.
In the present invention, currency document can be stored in described safety equipment, also currency document can be stored in the terminal device that is connected with described safety equipment.
When currency document being stored in described safety equipment, for the ease of operation, preferably, described safety equipment can comprise be used to depositing the first memory of currency document.
Described first memory can be deposited the currency document of signing for the second time without the described safety equipment of depositing described currency document and the currency document of signing for the second time through the described safety equipment of depositing described currency document simultaneously.Currency document with First Certificate is the currency document without using, and the possessor of described safety equipment, when payment, can select this without the currency document that uses.The currency document that leaves in the second storage area is used currency document, can not continue to use.Preferably, described safety equipment can identify to the currency document without using with through the currency document that uses, thereby avoid the possessor of safety equipment when paying the bill, to produce maloperation.For example, described first memory can be divided into to the first storage area and the second storage area (being equivalent to set up two different files in first memory), can leave the currency document without using in first storage area, will leave the second storage area in through the currency document that uses.Or, can to the currency document through using, process by software, make that through the currency document that uses, become can not be selected, thereby can avoid the possessor of safety equipment when paying the bill, to produce maloperation.
Currency document, may be from be sent to another safety equipment other-end equipment of currency document (or deposit) in the process of circulation the safety equipment other-end equipment of currency document (or deposit).Therefore, the currency document without using of definition herein is: on safety equipment, the currency document of not signing for the second time through these safety equipment, namely, without the currency document that uses, can only have First Certificate (this currency document is without circulation), second certificate (that is, this currency document has passed through circulation at least one times) that also can have other safety equipment (non-above-mentioned " safety equipment ").The used currency document of definition is herein: on safety equipment, and the currency document of having signed for the second time through these safety equipment.
Can determine the circulation history of currency document by the information of the second signature on the checking currency document, thereby can further prevent the file of counterfeiting currency.
Certainly, after the second signature of currency document is verified, the second signature deletion of upper safety equipment that currency document can be comprised.
As one embodiment of the present invention, safety equipment can comprise link 5 as shown in Figure 3, and this link 5 is for being connected with external load module 62 and/or external display module 61.External load module 62 can be an input media (for example, keyboard) independently, and external display module 61 can be a display device (for example, display) independently.Perhaps external load module 62 and external display module 61 can belong to same terminal device 6.In the present invention, terminal device 6 can be mobile phone, computer, panel computer etc.External load module 62 is for the chip input operation instruction to described safety equipment, and external display module 61 is for operation display interface.Can carry out various operations (comprise selected currency document to be paid, selected currency document is signed for the second time etc.) by application program.
Perhaps, as another embodiment of the invention, as shown in Figure 4, described safety equipment can comprise built-in display module 2 and/or built-in load module 3, and this built-in display module 2 all is connected with chip 1 with built-in load module 3.By built-in load module 3, can, to chip 1 input operation instruction, by built-in display module 2, can show the operation interface of described safety equipment.In this case, the possessor of safety equipment can utilize described safety equipment to conclude the business, and without by means of other external terminal devices, thereby make safety equipment of the present invention not be subjected to the restriction of application conditions.
As shown in Figure 4, described safety equipment can also comprise communication module 4, and this communication module 4 is connected with chip 1.
This communication module 4 can have the currency document of the second certificate for the communication between two safety equipment with transmission, also can be for the communication between described safety equipment and backstage transaction processing equipment.Communication module 4 can be limited communication apparatus, also can bluetooth equipment or the wireless telecommunications system such as near-field communication device, as long as can realize two between safety equipment communication or the communication between safety equipment and backstage transaction processing equipment.
as the 4th aspect of the present invention, a kind of transaction system also is provided, this transaction system comprises paying party safety equipment 40, beneficiary safety equipment 30 and backstage transaction processing equipment 20, wherein, paying party safety equipment 40 and beneficiary safety equipment 30 are the above-mentioned safety equipment that the application provides, paying party safety equipment 40 can be signed for the second time to the currency document that utilizes said method provided by the present invention to generate, the currency document that has the second certificate with formation, and paying party safety equipment 40 can be sent to beneficiary safety equipment 30 by described currency document with second certificate, the described currency document with second certificate that these beneficiary safety equipment 30 can send paying party safety equipment 40 is sent to backstage transaction processing equipment 20, backstage transaction processing equipment 20 can change to beneficiary by paying party by possessor's information of described currency document.Backstage transaction processing equipment 20 herein can make same equipment with backstage transaction processing equipment above.
Should be understood that, " paying party " and " beneficiary " described herein are comparatively speaking." paying party " in once concluding the business can be " beneficiary " in another time transaction.Similarly, " beneficiary " in once concluding the business can be " paying party " in another time transaction.
When paying party is paid to beneficiary, paying party utilizes the secret data in paying party safety equipment 40 to sign for the second time to the currency document with First Certificate, to generate the second certificate, and the currency document that will have the second certificate is sent to beneficiary safety equipment 30.Beneficiary safety equipment 30 are after receiving the currency document with second certificate that paying party safety equipment 40 send, this currency document is sent to backstage transaction processing equipment 20, First Certificate in the currency document with second certificate that transaction processing equipment 20 pairs of beneficiary safety equipment 30 in backstage send is changed, and the possessor of the currency document in this First Certificate is changed to beneficiary from paying party.
System architecture provided by the present invention is simple, can reduce deployment and the later maintenance cost of transaction terminal, and has simplified the treatment scheme (that is, without uploading offline transaction detail and clearing) in transaction later stage, can simplify transaction flow.
In order to differentiate the true and false of the currency document that is sent by paying party safety equipment 40, preferably, beneficiary is verified receiving the currency document that paying party safety equipment 40 send.The currency document that can receive beneficiary safety equipment 30 is in several ways verified.
For example, backstage transaction processing equipment 20 can be set to verify described First Certificate and the second certificate with currency document of the second certificate that beneficiary safety equipment 30 send.
The currency document that perhaps, can utilize 30 pairs of paying parties of beneficiary safety equipment to send is verified.Particularly, for example, backstage transaction processing equipment 20 can utilize the first private key to carry out described signature for the first time to described initial currency, the first PKI is disclosed, therefore, can in paying party safety equipment 40 and beneficiary safety equipment 30, all store the first PKI that is complementary with described the first private key.Can utilize the first PKI to confirm the First Certificate of currency document.
Similarly, the described secret data in paying party safety equipment 40 can be the second private key, and the second PKI that is complementary with this second private key is disclosed, therefore, can in beneficiary safety equipment 30, store described the second PKI.When the currency document that will have the second certificate when paying party safety equipment 40 was sent to beneficiary safety equipment 30, beneficiary can utilize described second certificate of the currency document with second certificate that 30 pairs of paying party safety equipment 40 of beneficiary safety equipment send to verify.
Except having, currency document is signed for the first time and verified the function of signing for the first time of currency document, backstage transaction processing equipment 20 can also have to paying party safety equipment 40 and/or beneficiary safety equipment 30 transmission Transaction Success or failed information, to guarantee the security of concluding the business.
Particularly, if it is genuine article coin file to the currency document that backstage transaction processing equipment 20 sends that empirical tests is learnt beneficiary safety equipment 30, backstage transaction processing equipment 20 can be to the information of paying party safety equipment 40 and/or beneficiary safety equipment 30 transmission Transaction Success, if it is the false money file to the currency document that backstage transaction processing equipment 20 sends that empirical tests is learnt beneficiary safety equipment 30,20 information that send Fail Transaction to paying party safety equipment 40 and/or beneficiary safety equipment of backstage transaction processing equipment.
In the present invention, beneficiary safety equipment 30 both can send to rear transaction processing equipment by currency document by the mode of wire communication, can described currency document be sent to backstage transaction processing equipment 20 by the mode of wireless telecommunications again.
When at least one in paying party safety equipment 40 and beneficiary safety equipment 30 is the safety equipment shown in Fig. 1, this transaction system also comprises terminal device 6, this terminal device 6 can comprise external load module 62 and external display module 61, and terminal device 6 comprises interface, with the link of the link with paying party safety equipment 40 and/or beneficiary safety equipment 30, is connected.When terminal device 6 was mobile phone, described interface can be the audio port of mobile phone.
When paying party safety equipment 40 and beneficiary safety equipment 30 are the safety equipment shown in Fig. 2, do not need to provide other extra terminal devices.
As noted before, currency document directly can be stored on paying party safety equipment 40, or on beneficiary safety equipment 30.In this case, can in paying party safety equipment or beneficiary safety equipment, built-in first memory be set.
Or described terminal device can comprise be used to storing the second memory of described currency document.When transaction, can choose the currency document of storing in external second memory by instruction.After terminal device arranges second memory, can be without in paying party safety equipment or beneficiary safety equipment, built-in first memory being set, thus simplified the structure of safety equipment.Certainly, external second memory also can be used as supplementing of built-in first memory in paying party safety equipment and beneficiary safety equipment, thereby storage is than the currency document of wholesale.
Preferably, backstage transaction processing equipment 20 comprises the supervision interface, by this supervision interface, can obtain the circulation information of currency document.Can with monitoring equipment, be connected by the supervision interface, thereby by the flow direction of this monitoring equipment detection currency document.Paying party can clearly be learnt the flow direction of the own currency document of being paid by the inquiry monitoring equipment, thereby can avoid the generation of swindling.
As the 5th aspect of the present invention, a kind of method of utilizing above-mentioned transaction system provided by the present invention to conclude the business is provided, wherein, the method comprises:
After step 300, beneficiary are received described currency document with second certificate, described currency document with second certificate is sent to described backstage transaction processing equipment, with possessor's information of the currency document by in First Certificate, by paying party, changes to beneficiary.
Should be understood that, for the ease of the security of supervision and assurance transaction, paying party safety equipment 40 and beneficiary safety equipment 30 all have uniquely identified ID or account separately, and this uniquely identified ID or account are distributed by backstage transaction processing equipment 20.Therefore, in step 100, paying party comprises the ID of beneficiary safety equipment or the shroff account number of beneficiary safety equipment by the information of the beneficiary safety equipment 30 that paying party safety equipment 40 obtain.Paying party safety equipment 40 can be by built-in or external wireless communication module (for example, bluetooth equipment) search beneficiary safety equipment 30.Transaction Information described in step 100 comprises the amount of money of the currency document that paying party need to be paid, beneficiary safety equipment 30 can send to paying party safety equipment 40 amount of money of the currency document that needs payment, also can learn in advance the amount of money of the currency document of required payment, and this amount of money is inputed in paying party safety equipment 40.
After in step 100, obtaining beneficiary security device information and Transaction Information, can carry out step 200.One skilled in the art will appreciate that the selected currency document to be paid of paying party is the currency document with First Certificate.After in when payment, utilizing described secret data to sign for the second time to currency document to be paid to make currency document have the second certificate, the currency document with second certificate can be sent to the beneficiary safety equipment.Paying party can manually be selected currency document to be paid, also can utilize the paying party safety equipment according to paying out the money amount of money selected safety equipment automatically.Herein, currency document to be paid can be stored on the paying party safety equipment, also can store and be on the connected terminal device of paying party safety equipment.
As noted before, the information of signature for the second time that participates in comprises beneficiary information (ID of beneficiary safety equipment or account) and the information of signing for the first time, therefore, through signing and not only can guarantee currency document has been sent to correct beneficiary for the second time, can guarantee that again the currency document that is sent by paying party safety equipment 40 is genuine note.
After beneficiary safety equipment 30 receive the currency document with second certificate of paying party safety equipment 40 transmissions, the currency document that this can be had to the second certificate sends to backstage transaction processing equipment, by paying party, change the possessor's information in First Certificate into beneficiary, thereby make beneficiary can really have the currency document of paying party payment.After the possessor of currency document changed beneficiary into by paying party, beneficiary can use currency document, did not need to carry out the sorting clearance on backstage, had shortened transaction flow.
In order to ensure currency document in transaction, it is genuine note, guarantee the safety of concluding the business, preferably, step 300 also comprises utilizes First Certificate and second certificate of the currency document with second certificate that transaction processing equipment 20 pairs of beneficiary safety equipment 30 in backstage receive to verify, when described First Certificate and described the second certification authentication change to beneficiary by possessor's information of currency document by paying party after correct.
Because each currency document is unique, therefore, when the currency document that utilizes method provided by the present invention to generate is paid, can avoid repeating to withhold.
Should be understood that, after described herein " beneficiary safety equipment 30 receive have the second certificate currency document " refer to the currency document of the second certificate with the paying party safety equipment 40 in this transaction that beneficiary safety equipment 30 receive.
Except second certificate of safety equipment 40 of the paying party in this transaction, currency document can have other second certificates of other safety equipment.Backstage transaction processing equipment 20 can be verified a plurality of the second certificates on the currency document with second certificate, to confirm the circulation history of this currency document, thereby can supervise the circulation of currency document.
Perhaps, 20 pairs of backstage transaction processing equipment have First Certificate on the currency document of the second certificate and the second certification authentication complete after, by the second certificate deletion, the currency document that only has First Certificate is returned to beneficiary safety equipment 30.
Utilize backstage transaction processing equipment 20 can complete simultaneously the true and false of checking currency document and the function of changing possessor's information of currency document, do not need the sorting system for settling account, thereby shortened the required time of whole process of exchange.
Except the true and false of utilizing backstage transaction processing equipment 20 checking currency documents, can also utilize the true and false of beneficiary safety equipment 30 checking currency documents.In this case, can utilize unsymmetrical key currency document is signed for the first time and sign for the second time.Particularly, backstage transaction processing equipment 20 utilizes the first private key to sign to initial currency, obtains to have the currency document of First Certificate, in beneficiary safety equipment 30 and paying party safety equipment 40, all stores the first private key with the first public key match.Therefore, paying party can utilize the first PKI that is stored in paying party safety equipment 40 to verify the First Certificate of currency document, and beneficiary also can utilize the first PKI in beneficiary safety equipment 30 to verify the First Certificate of currency document.
Similarly, can utilize First Certificate and second certificate of the currency document with second certificate of 30 pairs of paying party safety equipment of beneficiary safety equipment, 40 transmissions to verify.Particularly, backstage transaction processing equipment utilization the first private key is signed for the first time to initial currency, paying party safety equipment 40 can utilize unsymmetrical key to sign for the second time to the currency document with First Certificate, secret data in paying party safety equipment 40 is the second private key, in the beneficiary safety equipment, store the second PKI that the first PKI and the second private key with the first private key coupling are complementary, therefore, beneficiary safety equipment 30 can utilize the first PKI and the second PKI respectively First Certificate and second certificate of currency document to be verified.
In order to facilitate paying party and beneficiary, confirm immediately whether transaction is successful, and preferably, described method can also comprise: step 400, backstage transaction processing equipment 20 send the Transaction Success information to paying party safety equipment 40 and/or beneficiary safety equipment 30.After receiving the information of Transaction Success, paying party safety equipment 40 and beneficiary safety equipment 30 can be closed the wireless telecommunications between the two.
Preferably, described method can also comprise: step 500, by not being recycled to described initial currency through the currency document of signature for the second time and generating equipment in paying party safety equipment 40 and/or beneficiary safety equipment 30; In step 600, delete step 500, be recycled to the First Certificate of the currency document in the transaction processing equipment of backstage, and this currency document is recycled to initial currency generation equipment.When paying party or beneficiary do not need currency document, currency document can be returned to backstage transaction processing equipment, be converted to cash.Backstage transaction processing equipment is sent to currency document more initial currency and generates equipment, makes currency document get back to unactivated state.
Be understandable that, above embodiment is only the illustrative embodiments that adopts for principle of the present invention is described, yet the present invention is not limited thereto.For those skilled in the art, without departing from the spirit and substance in the present invention, can make various modification and improvement, these modification and improvement also are considered as protection scope of the present invention.
Claims (25)
1. system that generates currency document, it is characterized in that, this currency document publishing system comprises that initial currency generates equipment and backstage transaction processing equipment, described initial currency generation equipment is for generating initial currency, described initial currency is the digital document that comprises identification data, described identification data comprises denomination, described backstage transaction processing equipment can be signed for the first time to described initial currency, the currency document that has First Certificate with formation, the data that participate in signing for the first time comprise possessor's information of described initial currency and currency document.
2. system according to claim 1, is characterized in that, described identification data also comprises at least one in issuer's title, issuer's code, sequence number, issuing date, the term of validity.
3. system according to claim 2, is characterized in that, described initial currency also comprises the initial certificate of described identification data being signed for the first time and obtaining by described initial currency generation equipment.
4. the described system of any one according to claim 1 to 3, is characterized in that, described backstage transaction processing equipment can utilize the first key to carry out described signature for the first time.
5. a method of utilizing the described system generation of any one currency document in claim 1 to 4, is characterized in that, the method comprises:
Step 1, described initial currency generation equipment generate initial currency, and should be sent to described backstage transaction processing equipment by initial currency;
Step 2, utilize described backstage transaction processing equipment to sign for the first time to described initial currency, to obtain to have the currency document of First Certificate.
6. method according to claim 5, is characterized in that, described step 1 also comprises that utilizing described initial currency to generate equipment signs for the first time to described identification data, so that described initial currency has described initial certificate.
7. according to claim 5 or 6 described methods, is characterized in that, in described step 2, utilizes the first key to carry out described signature for the first time.
8. safety equipment, these safety equipment comprise chip, it is characterized in that, in this chip, store secret data, this secret data is signed for the second time for the currency document to utilizing claim 5 to 7 any one method to generate, the currency document that has the second certificate with formation, the data that participate in signing for the second time comprise currency document take over party's information and described currency document.
9. safety equipment according to claim 8, is characterized in that, second key of described secret data for not can read.
10. according to claim 8 or claim 9 safety equipment, is characterized in that, described safety equipment comprise be used to depositing the first memory of described currency document.
11. safety equipment according to claim 10, is characterized in that, these safety equipment comprise link, and this link is for being connected with external load module and/or external display module.
12. safety equipment according to claim 10, is characterized in that, these safety equipment comprise built-in load module and/or built-in display module, and this built-in load module all is connected with described chip with built-in display module.
13. safety equipment according to claim 12, is characterized in that, these safety equipment comprise wireless communication module, and this wireless communication module is connected with described chip.
14. transaction system, this transaction system comprises the paying party safety equipment, beneficiary safety equipment and backstage transaction processing equipment, it is characterized in that, described paying party safety equipment and described beneficiary safety equipment are the described safety equipment of any one in claim 8 to 13, described paying party safety equipment can be signed for the second time to utilizing the currency document that in claim 5 to 7, the described method of any one generates, the currency document that has the second certificate with formation, and described paying party safety equipment can be sent to described beneficiary safety equipment by described currency document with second certificate, the described currency document with second certificate that described beneficiary safety equipment can send described paying party safety equipment is sent to described backstage transaction processing equipment, described backstage transaction processing equipment can change to beneficiary by paying party by possessor's information of described currency document.
15. transaction system according to claim 14, is characterized in that, described backstage transaction processing equipment can be verified described First Certificate and described the second certificate with currency document of the second certificate.
16. transaction system according to claim 14, is characterized in that, described beneficiary safety equipment can be verified described First Certificate and the second certificate with currency document of the second certificate.
17. according in right, requiring 14 described transaction systems, it is characterized in that, described backstage transaction processing equipment can send Transaction Success or failed information to described paying party safety equipment and/or beneficiary safety equipment.
18. transaction system according to claim 14, is characterized in that, described beneficiary safety equipment send to described backstage transaction processing equipment by communication module by described currency document.
19. according to claim 14 to the described transaction system of any one in 18, it is characterized in that, this transaction system also comprises terminal device, this terminal device comprises external load module and external display module, and described terminal device comprises interface, with the link of the link with described paying party safety equipment and/or described beneficiary safety equipment, is connected.
20. transaction system according to claim 19, is characterized in that, described terminal device also comprises be used to storing the second memory of described currency document.
21. a method of utilizing claim 14 to conclude the business to the described transaction system of any one in claim 20, wherein, the method comprises:
Step 100, paying party obtain and verify information and the Transaction Information of described beneficiary safety equipment by described paying party safety equipment;
Step 200, the selected currency document to be paid of paying party, utilize described secret data to sign for the second time to currency document to be paid, to obtain to have the currency document of the second certificate, paying party utilizes described paying party safety equipment that described currency document with second certificate is sent to described beneficiary safety equipment;
After step 300, described beneficiary safety equipment are received described currency document with second certificate, described currency document with second certificate is sent to described backstage transaction processing equipment, with possessor's information of the currency document by in described First Certificate, by paying party, changes to beneficiary.
22. method according to claim 21, it is characterized in that, described step 300 also comprises utilizes described backstage transaction processing equipment to verify described First Certificate and the second certificate with currency document of the second certificate, after described First Certificate and described the second certification authentication correctly, possessor's information of described currency document is changed to beneficiary by paying party.
23. method according to claim 21, it is characterized in that, described step 300 comprises utilizes described beneficiary safety equipment respectively First Certificate and the second certificate in described currency document with second certificate to be verified, when described First Certificate and described the second certification authentication are established and sent described currency document with second certificate to described backstage transaction processing after correct.
24. according to claim 21 to 23, the described method of any one, is characterized in that, the method also comprises:
Step 400, described backstage transaction processing equipment send Transaction Success information to described paying party safety equipment and/or beneficiary safety equipment.
25. according to claim 21 to 23, the described method of any one, is characterized in that, the method also comprises:
Step 500, the currency document in paying party safety equipment and/or beneficiary safety equipment is recycled to described backstage transaction processing equipment;
In step 600, delete step 500, be recycled to the First Certificate of the currency document in the transaction processing equipment of backstage, and this currency document is recycled to initial currency generation equipment.
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