CN103812835A - Public key algorithm based offline mode ID and transaction authentication method - Google Patents
Public key algorithm based offline mode ID and transaction authentication method Download PDFInfo
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- CN103812835A CN103812835A CN201210445472.9A CN201210445472A CN103812835A CN 103812835 A CN103812835 A CN 103812835A CN 201210445472 A CN201210445472 A CN 201210445472A CN 103812835 A CN103812835 A CN 103812835A
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Abstract
The invention discloses a NFC label based cell phone payment terminal, payment method and system; the method comprises the steps that a consumer uses the cell phone payment terminal to swipe a merchant NFC label so as to obtain transaction sum and merchant information, and the transaction sum is inputted; the merchant NFC label has the merchant ID information; the cell phone payment terminal sends transaction request information to an operator transaction system; the transaction system carries out transaction process according to the request information; the transaction system completes the transaction request, determines the merchant according to the merchant information, sends a payment information notification to a merchant cashier system, so the merchant knows that the consumer has paid the cost. The method is convenient and fast, improves merchant service capacity, improves shopping experience of the consumer, and saves cost.
Description
Technical field
The present invention relates to secure authentication technology field, relate in particular to a kind of off-line mode identity and business confirmation method based on public key algorithm.
Background technology
Off-line trading is exactly in the time of the communicating interrupt such as network, GPRS, the transaction of carrying out.Along with the popularization and application of network, the unitized management of Chain-orientation enterprise, the unified management that realizes resource by computer technology has become the present and following trend, manager can pass through computer technology, the consumption of all shops is seen in enforcement, but the accuracy of the business administration data of communicating interrupt impact, reduced business capital fail safe, hindered the Informatization Development of enterprise.
At present, the numerous off-line tradings including Net silver adopt MONDEX stored value card.MONDEX provides the function that is similar to online transaction, but this system can only be used for special CPU card electronic fare payment system, and application and popularization have very large restriction.
The number of applying for a patent is " 02807310.X ", disclose a kind of online and/or off-line cash transaction system and method thereof, the method is by being used electronic money accounting system: one of the online benchmark amount of money generation that an off-line benchmark amount of money of setting up for off-line trading according to one according to electronic-money account remaining sum and set up for online transaction shows the whether marker generator of operable mark of this card; And the electric bank-note card information carrying of the mark of a transmission respective electronic currency, the time interval that overcomes online real-time deal and use the off-line trading of batch processing transmission to produce.But the method does not consider how blacklist is carried out to real-time maintenance, and the research of blacklist safety issue.
The number of applying for a patent discloses a kind of electronic currency card terminal and has made server and the method for terminal maintenance data consistency for " 200610007672.0 ", the method adopts a kind of method that uses server and terminal to keep data consistency: comprise a fixed table at this server and terminal, memory block in table is divided into memory block, label information corresponding to each independent card number is sequentially stored in each memory block according to card number, shows that the version information of the Data Update history of each memory block is also stored; A variable table, when the mark of correlation information being stored in fixed table changes, the vicissitudinous associated card number of this variable table storage mark information, and store and show version information and a variable table of the Data Update history of variable table.By this method, effectively solve the problem that need to again change all information when certificate ground version information is inconsistent, greatly reduced the traffic, accelerated processing speed.But, because terminal needs larger memory space, limited application.
Summary of the invention
The object of the invention is to effectively overcome the deficiency of above-mentioned technology, provide a kind of safe, off-line mode identity and business confirmation method based on public key algorithm simple to operate.
Technical scheme of the present invention is achieved in that a kind of off-line mode identity and business confirmation method based on public key algorithm, and it comprises the following steps:
S1, user's registration, obtain the smart card with user profile;
S2, user send payment request message by smart card terminal to paying server, to determine identity ID and the Transaction Information of payer;
S3, paying server are received after user's payment request message, check user's identity and Transaction Information, if information is made mistakes, end payment process; Otherwise, send and agree to that payment message is to user;
S4, user receive after the agreement payment message of paying server, and identity and signature to payer are verified, if checking is not passed through, end payment process; Otherwise, send and confirm that payment message is to paying server;
S5, paying server are received after acknowledge message, verify, if checking not by; end payment process; Otherwise, pay, from user's stored value card, deduct the corresponding amount of money, and generate transaction record information, then send and confirm that payment message is to user;
S6, user confirm confirming payment message, if checking is not passed through, end payment process, otherwise the amount of money is transferred in the stored value card of beneficiary, upgrade and preserve transaction record.
Below technique scheme is further set forth:
Described step S1 comprises:
S11, CA center generate two pairs of public-key cryptography pair that are respectively used to signature and encrypt;
S12, CA center generate user's digital identity ID and corresponding key;
S13, by above-mentioned two pairs of public-key cryptography, user's digital identity ID and corresponding key to safe storage the smart card to user, and provide to user by credit card issuer.
Described user profile comprises described two pairs of public-key cryptography, user's digital identity ID and corresponding key pair.
Described payment request information comprises that message comprises that the message of generation is right with signature.
Beneficial effect of the present invention is: method of the present invention sends payment request information by smart card terminal to paying server, confirmed to pay by paying server, from user's stored value card, deduct the corresponding amount of money, and this amount of money is transferred to beneficiary account, complete thus process of exchange, its method is easy and simple to handle, safe; In addition, the smart card in this method not only can be used as information carrier, the processing of storing various keys and can be encrypted and decipher, and be individual identity documents, preserve individual information, meanwhile, this method adopts Shamir public key algorithm, carries out Self-certified, without real-time interconnection; Further, increase the method for timestamp, prevent Replay Attack, have more fail safe.
Accompanying drawing explanation
Fig. 1 the present invention is based on the off-line mode identity of public key algorithm and the flow chart of business confirmation method;
Embodiment
Below in conjunction with drawings and Examples, the invention will be further described.
Shown in Fig. 1, the present invention has disclosed a kind of off-line mode identity and business confirmation method based on public key algorithm, and it comprises the following steps:
S1, user's registration, obtain the smart card with user profile; Described user profile comprises described two pairs of public-key cryptography, user's digital identity ID and corresponding key pair.This step specifically comprises:
S11, CA center generate two pairs of public-key cryptography pair that are respectively used to signature and encrypt;
S12, CA center generate user's digital identity ID and corresponding key;
S13, by above-mentioned two pairs of public-key cryptography, user's digital identity ID and corresponding key to safe storage the smart card to user, and provide to user by credit card issuer.
S2, user send payment request message by smart card terminal to paying server, to determine identity ID and the Transaction Information of payer; Described payment request information comprises that message comprises that the message of generation is right with signature.
S3, paying server are received after user's payment request message, check user's identity and Transaction Information, if information is made mistakes, end payment process; Otherwise, send and agree to that payment message is to user;
S4, user receive after the agreement payment message of paying server, and identity and signature to payer are verified, if checking is not passed through, end payment process; Otherwise, send and confirm that payment message is to paying server;
S5, paying server are received after acknowledge message, verify, if checking not by; end payment process; Otherwise, pay, from user's stored value card, deduct the corresponding amount of money, and generate transaction record information, then send and confirm that payment message is to user;
S6, user confirm confirming payment message, if checking is not passed through, end payment process, otherwise the amount of money is transferred in the stored value card of beneficiary, upgrade and preserve transaction record.(wait to supplement ...)
To sum up, method of the present invention sends payment request information by smart card terminal to paying server, confirmed to pay by paying server, from user's stored value card, deduct the corresponding amount of money, and this amount of money is transferred to beneficiary account, complete thus process of exchange, its method is easy and simple to handle, safe; In addition, the smart card in this method not only can be used as information carrier, the processing of storing various keys and can be encrypted and decipher, and be individual identity documents, preserve individual information, meanwhile, this method adopts Shamir public key algorithm, carries out Self-certified, without real-time interconnection; Further, increase the method for timestamp, prevent Replay Attack, have more fail safe.
Described above is only preferred embodiment of the present invention, and above-mentioned specific embodiment is not limitation of the present invention.In technological thought category of the present invention, can there is various distortion and modification, retouching that all those of ordinary skill in the art make according to above description, revise or be equal to replacement, all belong to the scope that the present invention protects.
Claims (4)
1. off-line mode identity and the business confirmation method based on public key algorithm, is characterized in that, it comprises the following steps:
S1, user's registration, obtain the smart card with user profile;
S2, user send payment request message by smart card terminal to paying server, to determine identity ID and the Transaction Information of payer;
S3, paying server are received after user's payment request message, check user's identity and Transaction Information, if information is made mistakes, end payment process; Otherwise, send and agree to that payment message is to user;
S4, user receive after the agreement payment message of paying server, and identity and signature to payer are verified, if checking is not passed through, end payment process; Otherwise, send and confirm that payment message is to paying server;
S5, paying server are received after acknowledge message, verify, if checking not by; end payment process; Otherwise, pay, from user's stored value card, deduct the corresponding amount of money, and generate transaction record information, then send and confirm that payment message is to user;
S6, user confirm confirming payment message, if checking is not passed through, end payment process, otherwise the amount of money is transferred in the stored value card of beneficiary, upgrade and preserve transaction record.
2. a kind of off-line mode identity and business confirmation method based on public key algorithm according to claim 1, is characterized in that: described step S1 comprises:
S11, CA center generate two pairs of public-key cryptography pair that are respectively used to signature and encrypt;
S12, CA center generate user's digital identity ID and corresponding key;
S13, by above-mentioned two pairs of public-key cryptography, user's digital identity ID and corresponding key to safe storage the smart card to user, and provide to user by credit card issuer.
3. a kind of off-line mode identity and business confirmation method based on public key algorithm according to claim 1, is characterized in that: described user profile comprises described two pairs of public-key cryptography, user's digital identity ID and corresponding key pair.
4. a kind of off-line mode identity and business confirmation method based on public key algorithm according to claim 1, is characterized in that: described payment request information comprises that message comprises that the message of generation is right with signature.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201210445472.9A CN103812835A (en) | 2012-11-09 | 2012-11-09 | Public key algorithm based offline mode ID and transaction authentication method |
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| CN201210445472.9A CN103812835A (en) | 2012-11-09 | 2012-11-09 | Public key algorithm based offline mode ID and transaction authentication method |
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| CN103812835A true CN103812835A (en) | 2014-05-21 |
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| CN105913253A (en) * | 2016-03-25 | 2016-08-31 | 天地融科技股份有限公司 | Trade method and trade system of electronic signature device, and electronic signature device |
| CN106204035A (en) * | 2015-04-30 | 2016-12-07 | 阿里巴巴集团控股有限公司 | Off-line identity identifying method, intelligent terminal and system |
| CN106327186A (en) * | 2016-08-31 | 2017-01-11 | 中城智慧科技有限公司 | Offline payment method based on NFC |
| WO2017020618A1 (en) * | 2015-07-31 | 2017-02-09 | 腾讯科技（深圳）有限公司 | Electronic resource processing method and apparatus |
| CN106600274A (en) * | 2017-02-07 | 2017-04-26 | 桂林理工大学 | Multi-algorithm multi-key optical authentication offline payment apparatus |
| CN106651375A (en) * | 2017-02-07 | 2017-05-10 | 桂林理工大学 | Double-medium offline payment device having VLC and Barcode public-key system |
| CN106688004A (en) * | 2015-11-16 | 2017-05-17 | 华为技术有限公司 | Transaction authentication method, device, mobile terminal, POS terminal and server |
| CN106845985A (en) * | 2017-02-07 | 2017-06-13 | 桂林理工大学 | Visible ray with hidden channel and bar code ca authentication on-line payment method |
| CN106910067A (en) * | 2017-02-07 | 2017-06-30 | 桂林理工大学 | Band hides the light certification offline electronic payment device of message |
| CN106910059A (en) * | 2017-02-07 | 2017-06-30 | 桂林理工大学 | Visible ray and the offline electronic payment method of the two-way public key system certification of bar code |
| WO2017128975A1 (en) * | 2016-01-25 | 2017-08-03 | 阿里巴巴集团控股有限公司 | Credit payment method and device based on mobile terminal p2p |
| CN107330782A (en) * | 2017-06-26 | 2017-11-07 | 中国人民银行数字货币研究所 | The method and system and device for transaction of raising funds are realized based on digital cash |
| CN108292376A (en) * | 2015-12-15 | 2018-07-17 | 万事达卡国际公司 | The system for carrying out crossed card certification using purse transaction certification history |
| TWI661707B (en) * | 2017-02-09 | 2019-06-01 | 大陸商中國銀聯股份有限公司 | Safety information interaction method, terminal and computer program product |
| WO2019185754A1 (en) | 2018-03-28 | 2019-10-03 | Mc Industry | Method for authenticating a product |
| CN113706141A (en) * | 2021-06-24 | 2021-11-26 | 天地融科技股份有限公司 | Method and system for displaying health management information offline by using hardware payment equipment |
| US11227279B2 (en) | 2016-01-25 | 2022-01-18 | Advanced New Technologies Co., Ltd. | Credit payment method and apparatus based on card emulation of mobile terminal |
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2012
- 2012-11-09 CN CN201210445472.9A patent/CN103812835A/en active Pending
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| CN106204035A (en) * | 2015-04-30 | 2016-12-07 | 阿里巴巴集团控股有限公司 | Off-line identity identifying method, intelligent terminal and system |
| WO2017020618A1 (en) * | 2015-07-31 | 2017-02-09 | 腾讯科技（深圳）有限公司 | Electronic resource processing method and apparatus |
| US10776771B2 (en) | 2015-07-31 | 2020-09-15 | Tencent Technology (Shenzhen) Company Limited | Electronic resource processing method and device |
| CN106688004A (en) * | 2015-11-16 | 2017-05-17 | 华为技术有限公司 | Transaction authentication method, device, mobile terminal, POS terminal and server |
| CN108292376B (en) * | 2015-12-15 | 2022-05-27 | 万事达卡国际公司 | Method and apparatus for cross-card authentication using wallet transaction authentication history |
| CN108292376A (en) * | 2015-12-15 | 2018-07-17 | 万事达卡国际公司 | The system for carrying out crossed card certification using purse transaction certification history |
| US11113687B2 (en) | 2015-12-15 | 2021-09-07 | Mastercard International Incorporated | System for performing cross card authentication using wallet transaction authentication history |
| US11270305B2 (en) | 2016-01-25 | 2022-03-08 | Advanced New Technologies Co., Ltd. | Credit payment method and apparatus based on mobile terminal peer-to-peer |
| US11250427B2 (en) | 2016-01-25 | 2022-02-15 | Advanced New Technologies Co., Ltd. | Credit payment method and apparatus based on mobile terminal peer-to-peer |
| US11238431B2 (en) | 2016-01-25 | 2022-02-01 | Advanced New Technologies Co., Ltd. | Credit payment method and apparatus based on card emulation of mobile terminal |
| WO2017128975A1 (en) * | 2016-01-25 | 2017-08-03 | 阿里巴巴集团控股有限公司 | Credit payment method and device based on mobile terminal p2p |
| US11227279B2 (en) | 2016-01-25 | 2022-01-18 | Advanced New Technologies Co., Ltd. | Credit payment method and apparatus based on card emulation of mobile terminal |
| CN105913253A (en) * | 2016-03-25 | 2016-08-31 | 天地融科技股份有限公司 | Trade method and trade system of electronic signature device, and electronic signature device |
| CN106327186A (en) * | 2016-08-31 | 2017-01-11 | 中城智慧科技有限公司 | Offline payment method based on NFC |
| CN106845985A (en) * | 2017-02-07 | 2017-06-13 | 桂林理工大学 | Visible ray with hidden channel and bar code ca authentication on-line payment method |
| CN106651375A (en) * | 2017-02-07 | 2017-05-10 | 桂林理工大学 | Double-medium offline payment device having VLC and Barcode public-key system |
| CN106845985B (en) * | 2017-02-07 | 2021-01-05 | 桂林理工大学 | Visible light and bar code CA authentication online payment method with hidden channel |
| CN106910067B (en) * | 2017-02-07 | 2023-10-13 | 桂林理工大学 | Optical authentication offline payment device with hidden message |
| CN106910059B (en) * | 2017-02-07 | 2021-02-09 | 桂林理工大学 | Off-line payment method for visible light and bar code bidirectional public key system authentication |
| CN106651375B (en) * | 2017-02-07 | 2023-08-11 | 桂林理工大学 | Visible light communication VLC and Barcode public key system dual-medium offline payment device |
| CN106600274B (en) * | 2017-02-07 | 2023-08-11 | 桂林理工大学 | Multi-algorithm multi-key optical authentication offline payment device |
| CN106600274A (en) * | 2017-02-07 | 2017-04-26 | 桂林理工大学 | Multi-algorithm multi-key optical authentication offline payment apparatus |
| CN106910059A (en) * | 2017-02-07 | 2017-06-30 | 桂林理工大学 | Visible ray and the offline electronic payment method of the two-way public key system certification of bar code |
| CN106910067A (en) * | 2017-02-07 | 2017-06-30 | 桂林理工大学 | Band hides the light certification offline electronic payment device of message |
| TWI661707B (en) * | 2017-02-09 | 2019-06-01 | 大陸商中國銀聯股份有限公司 | Safety information interaction method, terminal and computer program product |
| CN107330782A (en) * | 2017-06-26 | 2017-11-07 | 中国人民银行数字货币研究所 | The method and system and device for transaction of raising funds are realized based on digital cash |
| CN107330782B (en) * | 2017-06-26 | 2021-01-22 | 中国人民银行数字货币研究所 | Method, system and device for realizing financing transaction based on digital currency |
| WO2019185754A1 (en) | 2018-03-28 | 2019-10-03 | Mc Industry | Method for authenticating a product |
| CN113706141A (en) * | 2021-06-24 | 2021-11-26 | 天地融科技股份有限公司 | Method and system for displaying health management information offline by using hardware payment equipment |
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Application publication date: 20140521 |