CN106651375B - Visible light communication VLC and Barcode public key system dual-medium offline payment device - Google Patents
Visible light communication VLC and Barcode public key system dual-medium offline payment device Download PDFInfo
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- CN106651375B CN106651375B CN201710066532.9A CN201710066532A CN106651375B CN 106651375 B CN106651375 B CN 106651375B CN 201710066532 A CN201710066532 A CN 201710066532A CN 106651375 B CN106651375 B CN 106651375B
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- 230000000977 initiatory effect Effects 0.000 claims description 4
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
Abstract
The invention discloses a visible light communication VLC and Barcode public key system dual-medium offline payment device. The device comprises an electronic wallet, a consumer and a server; the electronic wallet comprises a visible light emission module, a bar code scanning module, a control module, a wallet module, an input module, a display module, a password processing module and a data interface; the consumer comprises a visible light receiving module, a bar code display module, a read-write control module, a cashier box module, a keyboard module, a display, a password coprocessor and a communication module; the payment process is completed by a consumer and an electronic wallet, and the server is used as a background support of an offline payment service; the public key cryptosystem is adopted to verify the identities of the consumer and the electronic wallet and the transaction data information of the two parties, so that the safety of the offline payment method and the non-repudiation of the two parties of the transaction are effectively improved.
Description
Technical Field
The invention belongs to the technical field of visible light payment, and particularly relates to a visible light communication VLC and Barcode public key system dual-medium offline payment device.
Background
The public key cryptosystem is also called an asymmetric cryptosystem, is an important branch in modern cryptography, provides a public key and a private key under the public key system, and is used for encrypting and decrypting by two communication parties respectively by adopting different keys, and has no security problem of key distribution.
Offline payment is a transaction payment means that can be carried out off the limits of the network and on-line verification of the server for each transaction, and only a consumer and an electronic wallet are needed. In the payment process, the real, effective and integral requirements on the identity of the two parties of collection and payment are high, and the two parties can be guaranteed only by carrying out sufficient authentication.
The "code scanning" is a popular information acquisition mode at present, and usually, a camera of a smart phone is used for shooting a bar code (barcode) and identifying information from the bar code. The code scanning payment is an on-line payment mode means developed on the basis of the code scanning technology, weChat, payment treasures and other technologies. The payment means of the code scanning payment is similar to the traditional cashless transaction means, and belongs to online transaction, and the original magnetic card system is a typical online transaction system. However, these methods are online payment methods which are not separated from the network, and when the communication of the network, GPRS, 3G, 4G, etc. is interrupted, the payment cannot be performed, so we hope to have a payment means capable of realizing offline transaction, namely offline payment, for solving the problem that the payment cannot be completed when the network communication is interrupted.
The visible light communication (Visible Light Communication, VLC for short) technology is a method for realizing wireless communication by using high-frequency flickering lamplight which cannot be perceived by human eyes as an information carrier, carrying signals by using high-frequency flickering of LEDs at a data transmitting end and collecting signals by using a photosensitive element with high-speed response at a receiving end.
The invention combines VLC technology and 'code scanning identification', uses two information carriers as media by means of intelligent devices such as smart phones and tablet computers and provided with LED flash lamps and cameras, adopts a public key cryptosystem to perform bidirectional authentication of transaction information, and provides a safe and rapid VLC and Barcode public key system double-medium offline payment device.
Disclosure of Invention
The invention aims to provide a visible light communication VLC and Barcode public key system dual-medium offline payment device.
The invention is realized in the following way: a visible light communication VLC and Barcode public key system dual-medium offline payment device comprises: electronic wallets, consumer machines, and servers.
An electronic wallet, comprising: the system comprises a visible light emission module, a bar code scanning module, a control module, a wallet module, an input module, a display module, a password processing module and a data interface; the control module is respectively and electrically connected with the visible light emission module, the bar code scanning module, the wallet module, the input module, the display module, the password processing module and the data interface; the visible light emission module is used for generating and sending visible light signals according to the information input by the control module; the bar code scanning module is used for scanning and identifying bar codes and outputting the identification result to the control module; a control module for: 1. processing information to be transmitted, generating a data packet, outputting the data packet to a visible light transmitting module, and driving the visible light transmitting module to transmit a visible light signal; 2. receiving the scanning result output of the bar code scanning module, and verifying the scanning result; 3. performing consumption, recharging, balance inquiry and read-write operation of operation log information with the wallet module; 4. generating information required to pass through a visible light emission module according to the received information and the generated payment information; 5. the data interaction can be carried out with the server through the data interface; a wallet module for holding a wallet comprising: user account information, wallet balance, consumption rights, inquiry passwords, payment passwords, operation logs, and information including production issuing institutions; and can verify whether the entered password is consistent with the password stored in the wallet password module; each operation log corresponds to a payment amount or a recharging amount; the module can use media including a mobile sim card and NFC as a carrier of the wallet module; the input module is used for inputting information including payment amount, inquiry password, payment password and operation instruction to the control module; the display module is used for displaying the payment amount, the password input interface, the operation instruction and the prompt information; the password processing module is used for storing a public key ring of the consumer, a private key of the electronic purse, encrypting input information by adopting the public key or the private key according to a password processing unit arranged in the module, and decrypting by adopting the public key or the private key; and outputting the encrypted or decrypted information; the data interface is used for providing networking function of the electronic wallet and providing functions of connecting with the server and carrying out data exchange, data maintenance and upgrading.
A consumer, comprising: the device comprises a visible light receiving module, a bar code display module, a read-write control module, a cashier box module, a keyboard module, a display, a password coprocessor and a communication module; the read-write control module is respectively and electrically connected with the visible light receiving module, the bar code display module, the cashier box module, the keyboard module, the display, the password coprocessor and the communication module; the visible light receiving module is used for receiving the visible light signals, processing and restoring the visible light signals into corresponding digital signals, and restoring the digital signals into data packets; the bar code display module is used for generating and displaying a bar code according to the input information of the read-write control module; the read-write control module is used for: 1. receiving the output of the visible light receiving module and authenticating; 2. processing the information to be sent and outputting the processed information to a bar code display module; 3. performing consumption, recharging, balance inquiry and read-write operation of operation log information with a cashier box module; 4. providing a data interface, and uploading and downloading data including transaction information, electronic wallet information and consumer information with a server through a communication module; the cashier box module is used for storing the cashier box module comprising: information including operation log, collection consumption authority, blacklist, collection balance, operation password, validity period and production issuing agency; each operation log corresponds to a collection amount; the keyboard module is used for inputting transaction amount, transaction password and operation instruction to the read-write control module; the display is used for displaying transaction amount, a password input interface, an operation instruction and prompt information; a cryptographic coprocessor for: 1. storing the public key ring of the electronic wallet, and the private key of the consumer; 2. encrypting the input information by adopting a public key or a private key according to a cipher processing unit arranged in a cipher coprocessor, and decrypting by adopting the public key or the private key; and outputting the encrypted or decrypted information; and the communication module is used for connecting the upper computer or the access network in a wired or wireless mode so as to be connected with the server.
A server for: 1. establishing uploading and downloading data connection with a consumer through a communication module; 2. establishing uploading and downloading data connection with the electronic wallet through a data interface; 3. providing background service support of the offline payment method; 4. providing an interface for the entire offline payment device to fund flow of the financial system; 5. providing for the issuance or de-authorization of a consumer, electronic wallet, comprising: key update, algorithm update and upgrade, use right adjustment, validity period adjustment, electronic wallet recharging, and consumer payment; 6. the preservation comprises the following steps: information including an authorized user list, a blacklist, an operation log summary and a consumer list; 7. in the form of electronic money, the funds stored in the device and managed by the server are stored; 8. the available amount of money of all the electronic wallets in the device is stored; 9. when the consumer is connected with the server, the funds of each electronic wallet collected by the consumer are collected; 10. when the electronic wallet is connected with the server, checking the balance in the electronic wallet and the available fund number recorded by the electronic wallet stored on the server, and carrying out payment flow arbitration when the balance and the available fund number are inconsistent, so as to avoid loss caused by failure, abnormal operation, counterfeiting and payment information tampering of the consumer or the electronic wallet; 11. the electronic wallets listed in the blacklist are frozen and the electronic wallets have the conditions of faults, abnormal operation, counterfeiting and payment information tampering.
An authorized user list for storing information comprising: the identity of the electronic wallet which is authorized to make offline payment, the use authority, the validity period, the identity information of the holder of the electronic wallet and the public key of each electronic wallet; a blacklist for storing the user information of the authorized user list, which is refused to pay the transaction due to arrearage, loss reporting and improper use records; a payment interface for providing an interface for the entire offline payment device to fund flow to the financial system; the operation log summarization is used for storing operation record information including operation logs of all consumer machines and electronic wallets for inquiring, recharging and consuming; a consumer manifest for storing instructions comprising: the identity of the consumer machine that has been authorized to conduct the offline payment transaction, the usage rights, the expiration date, the public key of the respective consumer machine.
The server is used for issuing rights to the equipment comprising the module of the consumer and the functions thereof, so that the consumer has the function of accepting the payment of the electronic wallet in the device; the server is used for issuing rights to the equipment comprising the module and the functions of the electronic wallet, so that the electronic wallet has the function of paying to a consumer in the device; meanwhile, a server issues an authorization to the user, wherein the authorization mode is to issue an authorization entity hardware device or provide an authorization number for the user of the existing device; and recharging the equipment, and writing the identity information of the electronic wallet holder, the use permission, the validity period, the payment password and the inquiry password of the electronic wallet.
The server sets a valid period for each consumer machine, and if the valid period is exceeded, the server cannot be used and payment cannot be completed; after the expiration date, the consumer is required to connect to the server, upload the operation log and the collection amount to the server, and re-extend the expiration date for the consumer again by the server.
The encryption and decryption in the consumer and the electronic wallet adopt the same public key cryptographic algorithm; the issuance and authorization of consumer and electronic wallets is carried out by an entity, organization or a federation, ensuring that: 1. the public key ring on the consumer contains the public keys of all electronic wallets; 2. the public key ring of each electronic wallet contains public keys of all consumers; 3. each consumer has a respective unique private key, and each electronic wallet has a respective unique private key; 4. both the electronic wallet and the consumer are capable of upgrading or expanding the public key on the public key ring when networked; 5. both the electronic wallet and the consumer can upgrade or extend their own private keys when networked; any electronic wallet can obtain ciphertext M by using information M encrypted by a private key S according to an encryption algorithm fun () of a public key cryptographic algorithm, and meanwhile, a consumer can obtain information M by using a public key G of the electronic wallet corresponding to the public key ring and a decryption algorithm gun () of the public key cryptographic algorithm to decrypt the ciphertext M; however, the consumer cannot encrypt the same information M by using any one public key on the public key ring or other keys except the private key of the electronic wallet to obtain the ciphertext M obtained by encrypting the electronic wallet by the private key; the device supports at least two modes of initiative initiation by the electronic wallet and initiation by the consumer when making payment to an authorized consumer with an authorized electronic wallet.
The invention combines the visible light communication technology and the bar code scanning recognition technology, uses the smart phone, the tablet personal computer and other devices as the carrier of the electronic wallet, adopts the public key cryptosystem between the consumer and the electronic wallet to verify the identity and the transaction information, effectively improves the safety of the off-line payment method and the non-repudiation of the two transaction parties. The invention solves the defect that the online payment cannot be separated from the network, realizes the offline payment by using a device carried by one person, ensures that the people travel more conveniently, and improves the safety of the offline payment to a certain extent.
Drawings
Fig. 1 is a schematic structural view of the present invention.
Fig. 2 is a structural diagram of an apparatus in an embodiment of the present invention.
The marks in the figure: 1-an electronic wallet; 2-a consumer; 3-a server; 11-a control module; 12-an input module; 13-a display module; 14-data interface; 15-a bar code scanning module; a 16-wallet module; 17-a visible light emitting module; 18-a cryptographic processing module; 21-a read-write control module; 22-bar code display module; 23-cashier box module; 24-a visible light receiving module; 25-a keyboard module; 26-a display; a 27-communication module; 28-cryptographic coprocessor.
Detailed Description
Examples:
a visible light communication VLC and Barcode public key system dual-medium offline payment device comprises: an electronic wallet 1, a consumer 2 and a server 3.
An electronic wallet 1 comprising: the device comprises a control module 11, an input module 12, a display module 13, a data interface 14, a bar code scanning module 15, a wallet module 16, a visible light emitting module 17 and a password processing module 18; the control module 11 is electrically connected with the input module 12, the display module 13, the data interface 14, the bar code scanning module 15, the wallet module 16, the visible light emitting module 17 and the password processing module 18 respectively.
The visible light emitting module 17 is configured to generate and transmit a visible light signal according to the information input by the control module 11.
The bar code scanning module 15 is used for scanning the identification bar code and outputting the identification result to the control module 11.
A control module 11 for: 1. the information to be sent is processed to generate a data packet, and the data packet is output to the visible light emission module 17 to drive the visible light emission module 17 to send visible light signals; 2. receiving the scanning result output of the bar code scanning module 15 and verifying the scanning result; 3. performing consumption, recharging, balance inquiry and operation log information read-write operation with the wallet module 16; 4. generating information to be transmitted through the visible light emission module 17 according to the received information and the generated payment information; 5. data interaction with the server 3 can take place via the data interface 14.
A wallet module 16 for holding, including: user account information, wallet balance, consumption rights, inquiry passwords, payment passwords, operation logs, and information including production issuing institutions; and can verify whether the password input is consistent with the password stored in the wallet password module; the module is implemented using a mobile sim card.
The input module 12 is used for inputting payment amount, inquiry password, payment password and operation instruction to the control module 11.
The display module 13 is used for displaying payment amount, a password input interface, operation instructions and prompt information.
The cryptographic processing module 18 is used for storing the public key ring of the consumer, the private key of the electronic purse, encrypting the input information by adopting the public key or the private key and decrypting the input information by adopting the public key or the private key according to the cryptographic processing unit built in the module; and outputs the encrypted or decrypted information.
The data interface 14 is used for providing the networking function of the electronic wallet 1, and providing the functions of data exchange, data maintenance and upgrading, which are connected with the server 3.
The electronic wallet 1 is implemented by a smart phone equipped with a flash and a camera.
A consumer 2 comprising: the device comprises a visible light receiving module 24, a bar code display module 22, a read-write control module 21, a cashier box module 23, a keyboard module 25, a display 26, a communication module 27 and a password coprocessor 28; the read-write control module 21 is electrically connected with the visible light receiving module 24, the bar code display module 22, the cashier box module 23, the keyboard module 25, the display 26, the communication module 27 and the password coprocessor 28 respectively.
The visible light receiving module 24 is configured to receive the visible light signal, process and restore the visible light signal to a corresponding digital signal, and restore the digital signal to a data packet.
The bar code display module 22 is configured to generate and display a bar code according to the input information of the read-write control module 21.
A read-write control module 21 for: 1. receiving the output of the visible light receiving module 24 and authenticating; 2. the information to be sent is processed and output to the bar code display module 22; 3. performing consumption, recharging, balance inquiry and operation log information reading and writing operations with the cashier box module 23; 4. a communication interface is provided for uploading and downloading transaction information and user information to the server 3 via the communication module 27.
Cashbox module 23 for holding a card comprising: operation log, collection consumption authority, blacklist, balance of collection, operation password, validity period and information of production and release mechanism.
The keyboard module 25 is used for inputting transaction amount, transaction password and operation instruction to the read-write control module 21.
And a display 26 for displaying the transaction amount, the password input interface, the operation instruction and the prompt information.
The cipher coprocessor is used for storing the public key ring of the electronic wallet, the private key of the consumer and encrypting the input information by adopting the public key or the private key and decrypting by adopting the public key or the private key according to the cipher processing unit arranged in the cipher coprocessor; and outputs the encrypted or decrypted information.
The communication module 27 is configured to connect to a host computer or an access network through a wired or wireless manner, so as to connect to a server.
A server 3 for: 1. establishing an uploaded and downloaded data connection with the consumer 2 through the communication module 27; 2. establishing uploading and downloading data connection with the electronic wallet 1 through a data interface 14; 3. providing background service support of the offline payment method; 4. providing an interface for the entire offline payment device to fund flow of the financial system; 5. providing for the consumer 2, the electronic wallet 1 to issue or cancel authorization includes: key update, algorithm update and upgrade, use right adjustment, validity period adjustment, electronic wallet recharging, and consumer payment; 6. the preservation comprises the following steps: information including authorized user list, blacklist, operation log summary, and consumer list.
An authorized user list for storing information comprising: the identity of the electronic wallet which is authorized to make offline payment, the use authority, the validity period, the identity information of the holder of the electronic wallet, and the public key of each electronic wallet.
And the blacklist is used for storing the part of user information of the authorized user list, which is refused to pay the transaction due to arrearages, loss reporting and improper use records.
A payment interface for providing an interface for the entire offline payment device to funds flow with the financial system.
The operation log summary is used for storing information including inquiry of all consumers and electronic wallets, recharging, time of operation of consumption, payment amount and payment process data parameters.
A consumer manifest for storing instructions comprising: the identity of the consumer machine that has been authorized to conduct the offline payment transaction, the usage rights, the expiration date, the public key of the respective consumer machine.
A group of servers 3, at least one consumer 2 and at least one electronic wallet 1 together form a complete offline payment device system; the server 3 is used for issuing rights to the equipment comprising the modules of the consumer 2 and the functions thereof, so that the equipment has the function of accepting the payment of the electronic wallet 1 in the device; the server 3 is used for issuing rights to the device comprising the modules and functions of the electronic wallet 1, so that the device has the function of paying to the consumer 2 in the device.
The issuing process of the electronic wallet 1 includes: the server 3 issues an authorization to the user, wherein the authorization mode is to issue an authorization entity hardware device or provide an authorization number for the user of the existing device; and recharging the equipment, and writing the identity information of the electronic wallet holder, the use permission, the validity period, the payment password and the inquiry password of the electronic wallet.
The issuance and authorization of the consumer 2 and the electronic wallet 1 is carried out by a unit responsible for ensuring that: 1. the public key ring on all authorized consumer machines contains the public keys of all authorized electronic wallets; 2. the public key ring of all authorized electronic wallets contains the public keys of all authorized consumer machines; 3. each consumer has a respective unique private key, and each electronic wallet has a respective unique private key; 4. all authorized electronic wallets and consumers can upgrade or extend the public key on the public key ring when networking; 5. both the electronic wallet 1 and the consumer 2 may upgrade or extend their own private keys when networked.
Any electronic wallet can obtain ciphertext M by using information M encrypted by a private key S according to an encryption algorithm fun () of a public key cryptographic algorithm, and meanwhile, a consumer can obtain information M by using a public key G of the electronic wallet corresponding to the public key ring and a decryption algorithm gun () of the public key cryptographic algorithm to decrypt the ciphertext M; but the consumer cannot obtain the ciphertext M of the electronic wallet encrypted with the private key by encrypting the same information M with any one of the public keys on the public key ring or other keys other than the private key of the electronic wallet.
In this embodiment, an authorized electronic wallet 1 is used to make a payment to an authorized consumer 2, the payment is actively initiated by the electronic wallet 1, and the payment process includes the following steps:
ZD1, in the electronic wallet 1, inputs the payment amount and payment password, and enters ZD1.1.
ZD1.1, the wallet module 16 verifies if the payment password is correct, if so, it goes to ZD1.2; if not, the payment process is exited and a prompt for a password error is displayed on the display module 13.
ZD1.2, the electronic wallet 1 inquires the balance of the wallet module 16, if the balance is sufficient, then the electronic wallet enters ZD1.3; otherwise, the process is exited to prompt insufficient balance.
ZD1.3, the electronic wallet 1 generates a payment invitation code YQM1, the payment invitation code YQM includes: payment random code ZFR1, payment amount ZFK1, electronic wallet identity QID1; and encrypts the payment invitation code YQM1 by using the electronic wallet private key QS and the encryption algorithm fun () to obtain a ciphertext qsYQM1; and then the ciphertext qsYQM1 and the QID1 are sent out.
ZD2, the consumer 2 receives the ciphertext qsYQM2 and QID2, selects the public key QS2 of the electronic wallet and the decrypting algorithm gun () to decrypt the ciphertext qsYQM2 according to the electronic wallet identity QID2, if the payment invitation code YQM2 is obtained by decrypting the qsYQM2, and the payment random code ZFR2, the payment amount ZFK2 and the electronic wallet identity QID2-1 are extracted from the payment invitation code YQM, the decryption is successful, and the ZD2.1 is entered; if decryption is not possible, indicating that decryption has failed, the payment process is exited and a prompt for processing failure is displayed on the display 26.
ZD2.1, comparing the QID2 received by the consumer 2 with the electronic wallet identity QID2-1 extracted by the qsYQM2, and entering ZD2.2 if the two identifications are consistent; if not, the payment process is exited and a prompt for an electronic wallet identification error is displayed on the display 26.
ZD2.2, consumer 2 provides two operations that can be set before use: 1. the payment amount ZFK2 is displayed on display 26 and provides a choice of whether the payment is agreed to be received, if so, ZD2.3 is entered and if not, payment is exited; 2. the payment amount ZFK2 does not need to be confirmed, received by default, and directly enters ZD2.3.
ZD2.3, the consumer 2 generates a receipt random code SKR2 and a receipt confirmation code SKM2, the receipt confirmation code SKM2 comprising: a collection random number SKR2, a payment invitation code YQM2, and a consumer identity identification XID2; the private key XS and the encryption algorithm fun () of the consumer are used for encrypting the SKM2 to obtain a ciphertext xsSKM2, the public key QG of the electronic wallet with the identity of QID2 is used for encrypting the xsSKM2 and the consumer identity of XID2 to obtain a ciphertext qgxsSKMXID2, and a bar code is generated according to the ciphertext qgxsSKMXID2 and is displayed on the display 26.
ZD3, the electronic wallet 1 scans the barcode on the display 26, recognizes qgxsSKMXID3, and enters ZD3.1.
ZD3.1, the electronic wallet 1 decrypts qgxsSKMXID3 by using the private key QS and a decryption algorithm gun (), and if the decryption results in xsSKM3 and a consumer body identifier XID3; then the decryption is successful, and ZD3.2 is entered; if the decryption cannot be performed, indicating that the decryption fails, exiting the payment flow; therefore, the electronic wallet with the identification of QID1 can enter the following payment flow only when sending out payment invitation, and the electronic wallet is prevented from being forged or replaced by other illegal electronic wallets in the payment process.
ZD3.2, decrypting the ciphertext xsSKM3 by using the public key XG3 of the consumer in the electronic wallet according to the identity mark XID3, if the ciphertext xsSKM3 is obtained by decryption, the collection random code SKR3, the payment invitation code YQM3 and the consumer identity mark XID3 can be extracted from the ciphertext SKM3, the decryption is successful, and the method enters ZD3.3; if the decryption cannot be performed, indicating that the decryption fails, exiting the payment flow; this ensures that xsSKM3 can only be decrypted by a consumer with an identity of XID3 and can enter a subsequent payment process.
ZD3.3, comparing the payment invitation code YQM1 generated by the electronic wallet 1 in ZD1.3 with the payment invitation code YQM extracted in ZD3.2, when the payment invitation codes are respectively consistent, the consumer enters ZD4, otherwise prompting the comparison verification, and exiting the payment flow.
ZD4, the electronic wallet 1 updates the wallet balance of the wallet module 16, generates an operation log by using the operation time SJ, the payment amount ZFK1, the payment invitation code YQM3 and the payment confirmation code SKM3, and displays prompt information of successful payment through the display module.
ZD4.1, the electronic wallet 1 generates a confirmation code QRM4 for completing the payment, the confirmation code QRM4 comprising: a collection confirmation code SKM3, a payment amount ZFK1, a payment invitation code YQM.
ZD4.2, the private key XS and the encryption algorithm fun () of the electronic wallet, the encryption QRM3 is used for obtaining the ciphertext xsQRM3, the public key QG of the consumer with the identity of XID2 and the encryption algorithm fun () are used for encrypting the xsQRM3 and the identity QID1 of the electronic wallet, the ciphertext qgxsQRMQID3 is obtained, and a visible light communication signal is generated according to the ciphertext qgxsQRID 3 and is sent out through the visible light transmitting module 17.
ZD5, the consumer 2 receives the ciphertext qgxsQRMQID5; decrypting the ciphertext qgxsqrqid 5 by using a public key QG of the consumer and a decryption algorithm gun (), and if the xsqrM5 and the electronic wallet identity QID5 are obtained by decrypting the qgxsqrMQId5, successfully decrypting and entering ZD5.1; if decryption is not possible, indicating that decryption has failed, the payment process is exited and a prompt for processing failure is displayed on the display 26.
ZD5.2, according to the identity mark QID5 of the electronic wallet, selecting the public key QS5 of the electronic wallet, decrypting the ciphertext xsQRM5 by using a decryption algorithm gun (), if the xsQRM5 is decrypted, extracting the collection confirmation code SKM5, the payment amount ZFK5 and the payment invitation code YQM5 from the decrypted ciphertext, successfully decrypting, and entering ZD5.3; if decryption is not possible, indicating that decryption has failed, the payment process is exited and a prompt for processing failure is displayed on the display 26.
ZD5.3, consumer 2 performs the following comparative verification:
1) Comparing the receipt confirmation code SKM2 generated by the consumer 2 in ZD2.3 with the receipt confirmation code SKM5 received and decrypted in ZD 5.2.
2) The payment amount ZFK2 decrypted from qsYQM2 by consumer 2 in ZD2 is compared to the payment amount ZFK5 received and decrypted in ZD 5.2.
3) The payment invitation code YQM decrypted by consumer 2 from qsYQM2 in ZD2 is compared to the payment invitation code YQM received and decrypted in ZD 5.2.
When the above 3 comparisons are consistent, respectively, the consumer 2 generates an indication that the process was completed successfully, which is displayed on the display 26.
The consumer 2 updates the balance of the cashing box module 23, generates an operation log by using the operation time SSJ of the present payment, the cashing confirmation code SKM5 and the payment invitation code YQM5, and generates an identification of successful completion of the flow by the consumer 2, and displays the identification on the display 26.
In the payment process, the data sent by the consumer 2 is received from the electronic wallet 1, and the data sent by the electronic wallet 1 is received from the consumer 2, which may be unrecognizable during the transceiving process, so that in the payment process, the device unilaterally ends the payment process after a set waiting time is overtime for the unrecognizable data and the unrecognizable data is not received.
Claims (1)
1. The utility model provides a visible light communication VLC and Barcode public key system dual-medium off-line payment device which characterized in that this off-line payment device includes: electronic wallets, consumer and servers;
an electronic wallet, comprising: the system comprises a visible light emission module, a bar code scanning module, a control module, a wallet module, an input module, a display module, a password processing module and a data interface; the control module is respectively and electrically connected with the visible light emission module, the bar code scanning module, the wallet module, the input module, the display module, the password processing module and the data interface; the visible light emission module is used for generating and sending visible light signals according to the information input by the control module; the bar code scanning module is used for scanning and identifying bar codes and outputting the identification result to the control module; a control module for: 1. processing information to be transmitted, generating a data packet, outputting the data packet to a visible light transmitting module, and driving the visible light transmitting module to transmit a visible light signal; 2. receiving the scanning result output of the bar code scanning module, and verifying the scanning result; 3. performing consumption, recharging, balance inquiry and read-write operation of operation log information with the wallet module; 4. generating information required to pass through a visible light emission module according to the received information and the generated payment information; 5. the data interaction can be carried out with the server through the data interface; a wallet module for holding a wallet comprising: user account information, wallet balance, consumption rights, inquiry passwords, payment passwords, operation logs, and information including production issuing institutions; and can verify whether the entered password is consistent with the password stored in the wallet password module; each operation log corresponds to a payment amount or a recharging amount; the input module is used for inputting information including payment amount, inquiry password, payment password and operation instruction to the control module; the display module is used for displaying the payment amount, the password input interface, the operation instruction and the prompt information; the password processing module is used for storing a public key ring of the consumer, a private key of the electronic purse, encrypting input information by adopting the public key or the private key according to a password processing unit arranged in the module, and decrypting by adopting the public key or the private key; and outputting the encrypted or decrypted information; the data interface is used for providing a networking function of the electronic wallet and providing functions of connecting with a server and carrying out data exchange, data maintenance and upgrading;
a consumer, comprising: the device comprises a visible light receiving module, a bar code display module, a read-write control module, a cashier box module, a keyboard module, a display, a password coprocessor and a communication module; the read-write control module is respectively and electrically connected with the visible light receiving module, the bar code display module, the cashier box module, the keyboard module, the display, the password coprocessor and the communication module; the visible light receiving module is used for receiving the visible light signals, processing and restoring the visible light signals into corresponding digital signals, and restoring the data signals into data packets; the bar code display module is used for generating and displaying a bar code according to the input information of the read-write control module; the read-write control module is used for: 1. receiving the output of the visible light receiving module and authenticating; 2. processing the information to be sent and outputting the processed information to a bar code display module; 3. performing consumption, recharging, balance inquiry and read-write operation of operation log information with a cashier box module; 4. providing a data interface, and uploading and downloading data including transaction information, electronic wallet information and consumer information with a server through a communication module; the cashier box module is used for storing the cashier box module comprising: information including operation log, collection consumption authority, blacklist, collection balance, operation password, validity period and production issuing agency; each operation log corresponds to a collection amount; the keyboard module is used for inputting transaction amount, transaction password and operation instruction to the read-write control module; the display is used for displaying transaction amount, a password input interface, an operation instruction and prompt information; a cryptographic coprocessor for: 1. storing the public key ring of the electronic wallet, and the private key of the consumer; 2. encrypting the input information by adopting a public key or a private key according to a cipher processing unit arranged in a cipher coprocessor, and decrypting by adopting the public key or the private key; and outputting the encrypted or decrypted information; the communication module is used for connecting an upper computer or an access network in a wired or wireless mode so as to be connected with the server;
a server for: 1. establishing uploading and downloading data connection with a consumer through a communication module; 2. establishing uploading and downloading data connection with the electronic wallet through a data interface; 3. providing background service support of the offline payment method; 4. providing an interface for the entire offline payment device to fund flow of the financial system; 5. providing for the issuance or de-authorization of a consumer, electronic wallet, comprising: key update, algorithm update and upgrade, use right adjustment, validity period adjustment, electronic wallet recharging, and consumer payment; 6. the preservation comprises the following steps: information including an authorized user list, a blacklist, an operation log summary and a consumer list; 7. in the form of electronic money, the funds stored in the device and managed by the server are stored; 8. the available amount of money of all the electronic wallets in the device is stored; 9. when the consumer is connected with the server, the funds of each electronic wallet collected by the consumer are collected; 10. when the electronic wallet is connected with the server, checking the balance in the electronic wallet and the available fund number recorded by the electronic wallet stored on the server, and carrying out payment flow arbitration when the balance and the available fund number are inconsistent, so as to avoid loss caused by failure, abnormal operation, counterfeiting and payment information tampering of the consumer or the electronic wallet; 11. freezing the electronic wallets listed in the blacklist, wherein the electronic wallets have the conditions of faults, abnormal operation, counterfeiting and payment information tampering;
an authorized user list for storing information comprising: the identity of the electronic wallet which is authorized to make offline payment, the use authority, the validity period, the identity information of the holder of the electronic wallet and the public key of each electronic wallet; the system comprises a blacklist, a payment interface, a financial system, a payment server and a financial system, wherein the blacklist is used for storing part of user information of an authorized user list, which is refused to pay transactions due to arrearages, loss reporting and improper use records; the operation log summarization is used for storing operation record information including operation logs of all consumer machines and electronic wallets for inquiring, recharging and consuming; a consumer manifest for storing instructions comprising: a consumer identity, a right of use, a validity period, a public key of each consumer, which has been authorized to make an offline payment transaction;
the server is used for issuing rights to the equipment comprising the module of the consumer and the functions thereof, so that the consumer has the function of accepting the payment of the electronic wallet in the device; the server is used for issuing rights to the equipment comprising the module and the functions of the electronic wallet, so that the electronic wallet has the function of paying to a consumer in the device; meanwhile, a server issues an authorization to the user, wherein the authorization mode is to issue an authorization entity hardware device or provide an authorization number for the user of the existing device; recharging the equipment, and writing the identity information of the electronic wallet holder, the use permission, the validity period, the payment password and the inquiry password of the electronic wallet;
the server sets a valid period for each consumer machine, and if the valid period is exceeded, the server cannot be used and payment cannot be completed; after the validity period, the consumer is required to be connected with the server, the operation log and the collection amount are uploaded to the server, and the validity period is re-extended for the consumer by the server again;
the encryption and decryption in the consumer and the electronic wallet adopt the same public key cryptographic algorithm; the issuance and authorization of consumer and electronic wallets is carried out by an entity, organization or a federation, ensuring that: 1. the public key ring on the consumer contains the public keys of all electronic wallets; 2. the public key ring of each electronic wallet contains public keys of all consumers; 3. each consumer has a respective unique private key, and each electronic wallet has a respective unique private key; 4. both the electronic wallet and the consumer are capable of upgrading or expanding the public key on the public key ring when networked; 5. both the electronic wallet and the consumer can upgrade or extend their own private keys when networked; any electronic wallet can obtain ciphertext M by using information M encrypted by a private key S according to an encryption algorithm fun () of a public key cryptographic algorithm, and meanwhile, a consumer can obtain information M by using a public key G of the electronic wallet corresponding to the public key ring and a decryption algorithm gun () of the public key cryptographic algorithm to decrypt the ciphertext M; however, the consumer cannot encrypt the same information M by using any one public key on the public key ring or other keys except the private key of the electronic wallet to obtain the ciphertext M obtained by encrypting the electronic wallet by the private key; the device supports at least two modes of initiative initiation by the electronic wallet and initiation by the consumer when making payment to an authorized consumer with an authorized electronic wallet.
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| CN201710066532.9A CN106651375B (en) | 2017-02-07 | 2017-02-07 | Visible light communication VLC and Barcode public key system dual-medium offline payment device |
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| CN201710066532.9A CN106651375B (en) | 2017-02-07 | 2017-02-07 | Visible light communication VLC and Barcode public key system dual-medium offline payment device |
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| CN112926960A (en) * | 2021-02-25 | 2021-06-08 | 新开普电子股份有限公司 | Double-off-line transaction method and service platform |
| CN113657889B (en) * | 2021-07-26 | 2023-03-31 | 维融科技股份有限公司 | Electronic wallet and electronic wallet system thereof |
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Application publication date: 20170510 Assignee: Guangxi Biaoyu Technology Development Co.,Ltd. Assignor: GUILIN University OF TECHNOLOGY Contract record no.: X2023980044270 Denomination of invention: Visible Light Communication VLC and Barcode Public Key System Dual Media Offline Payment Device Granted publication date: 20230811 License type: Common License Record date: 20231026 |
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