CN106920100A - A kind of electronic money trading method and system - Google Patents

Abstract

The invention discloses an electronic money transaction method and system. The method includes the following steps: the payer obtains a payment request; retrieves the payment account number of the payer, and extracts the payee's basic account information and Transaction information: Encrypt the payment account number together with the extracted basic account information of the payee and the transaction information to generate payment information; the payee initiates a verification request after decrypting the payment information; respond Verify the request and execute the transaction after the verification is passed. The electronic money transaction method provided by the invention can avoid the situation that others tamper with the transaction information. And in the process of executing the transaction, by verifying the reference verification value analyzed by the payee to the payment information, the authenticity of both parties to the transaction is guaranteed, which greatly improves the security of the transaction. The invention also provides an electronic currency transaction system.

Description

Method and system for electronic currency transaction

technical field

The invention relates to the field of currency transactions, in particular to an electronic currency transaction method and system.

Background technique

With the continuous progress of society, the electronic application of currency has been accepted by the broad masses of the people, and electronic currency can completely replace traditional paper currency in many fields such as food, clothing, housing and transportation. Compared with traditional currency, electronic currency has the advantages of not easy to lose, fast transaction and easy management, which greatly improves the user experience.

However, in the existing electronic currency transaction process, due to the openness of the transaction information, it is easy for others to forge the transaction content, which poses a great security risk. Once it is exploited by a "spirited person", it will cause the user's property loss.

Contents of the invention

In order to solve the problems in the prior art, an embodiment of the present invention provides an electronic money transaction method and system. The scheme is as follows:

An electronic currency transaction method, comprising the following steps:

The payer obtains the payment request;

Call the payer's payment account number, and extract the payee's basic account information and transaction information from the payment request;

Combine the payment account number with the extracted basic account information and transaction information of the payee to jointly encrypt to generate payment information;

The payee initiates a verification request after decrypting the payment information;

Respond to the verification request and execute the transaction after the verification is passed.

Further, the basic account information specifically includes the collection account number and the collection key; the transaction information specifically includes the payment amount; The public key is encrypted and generated.

Further, after the payee decrypts the payment information, the step of sending the verification request specifically includes:

The payee uses the public key and the receiving key to analyze the payment information to obtain a reference verification value;

The payee will send verification with reference to the verification value and basic account information.

Further, the algorithm for encrypting and generating the payment information is specifically:

Among them, M is the payment information, C is the collection key, T is the payment key, P is the payment account number, R is the collection account number, U is the public key, and A is the payment amount.

Further, after the payee decrypts and verifies the payment information, and completes the transaction after the verification is passed, it also includes:

Time stamp the transaction information of the completed transaction and broadcast it across the network.

The present invention also provides an electronic money transaction system, including a payment terminal, a collection terminal, and a transaction verification device; wherein, the payment terminal includes:

Request generation unit: used to obtain payment requests;

Information extraction unit: used to retrieve the payment account number of the payer, and extract the basic account information and transaction information of the payee from the payment request obtained by the request generation unit;

The transaction verification device includes: an encryption module and a verification module;

Encryption module: used to jointly encrypt the payment account number retrieved in the information extraction unit and the extracted basic account information and transaction information of the payee to generate payment information;

The receiving end is used to initiate a verification request after decrypting the payment information generated by the encryption module;

The verification module is used to respond to the verification request initiated by the payee, and execute the transaction after the verification is passed.

Further, the basic account information extracted by the information extraction unit includes the collection account number and the collection key; the transaction information is the payment amount; the payment information generated by encryption by the encryption module is the collection account number, the collection key, the payment amount and the payment account number Generated after encryption with payment key and public key.

Further, the payment terminal specifically includes:

Parsing unit: used to parse the payment information generated by the encryption module using the public key and the payment key to obtain a reference verification value;

Information sending unit: used to send the reference verification value parsed by the parsing unit and the basic account information to the verification module for verification.

Further, the encryption module encrypts the payment information and generates the algorithm specifically as follows:

Among them, M is the payment information, C is the collection key, T is the payment key, P is the payment account number, R is the collection account number, U is the public key, and A is the payment amount.

Further, the transaction verification device also includes:

Broadcast module: It is used to stamp the transaction information of the transaction completed by the verification module and broadcast it to the whole network.

The beneficial effect brought by the technical solution provided by the embodiment of the present invention is: the electronic money transaction method and system of the present invention, due to the way of jointly encrypting the payment account number of the payer, the basic account information of the payee, and the transaction information Generate payment information to prevent others from tampering with transaction information. And in the process of executing the transaction, by verifying the reference verification value analyzed by the payee on the payment information, the authenticity of both parties to the transaction is guaranteed, which greatly improves the security of the transaction.

Description of drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings that need to be used in the description of the embodiments will be briefly introduced below. Obviously, the drawings in the following description are only some embodiments of the present invention. For those skilled in the art, other drawings can also be obtained based on these drawings without creative effort.

Fig. 1 is a method flow chart of an electronic money transaction method provided by an embodiment of the present invention;

FIG. 2 is a detailed flowchart of step S400 in FIG. 1;

Fig. 3 is a method flowchart of the electronic money transaction method provided by the preferred embodiment of the present invention;

4 is a system architecture diagram of an electronic money transaction system provided by an embodiment of the present invention;

FIG. 5 is a structural diagram of a transaction verification module in a preferred embodiment of a schematic structural diagram of the payment terminal 200 in FIG. 4;

Fig. 6 is a schematic structural diagram of a transaction verification device in a preferred embodiment of the present invention.

detailed description

In order to make the object, technical solution and advantages of the present invention clearer, the implementation manner of the present invention will be further described in detail below in conjunction with the accompanying drawings.

FIG. 1 is a flowchart of a method for providing an electronic money transaction method according to an embodiment of the present invention.

The electronic money transaction method of the embodiment of the present invention includes:

S100. The payer obtains a payment request;

In the embodiment of the present invention, the payment request obtained by the payer can be in two forms: one is that the payee generates a payment request, and then sends the payment request to the payer, requesting the payer to pay; the other is by the payer The party actively generates a payment request and pays the payee.

S200, retrieve the payment account number of the payer, and extract the basic account information and transaction information of the payee from the payment request;

In the embodiment of the present invention, no matter the payment request sent by the payee or the payment request generated by the payer, when the payer gets a payment request, the payee's basic information can be extracted from the payment request. Account Information and Transaction Information. And at the same time, the basic account information of the payer can be retrieved. The basic account information of the payee should at least include the receiving account number and the receiving key; the transaction information should at least include the payment amount.

S300. Encrypt the payment account number together with the extracted basic account information and transaction information of the payee to generate payment information;

In the embodiment of the present invention, the payment information is generated by the payer by encrypting the collection account number, collection key, payment amount and its own payment account with the payment key and the public key together.

Specifically, the algorithm for generating payment information is:

In the formula, M is the payment information, C is the collection key, T is the payment key, P is the payment account number, R is the collection account number, U is the public key, and A is the payment amount.

S400. The payee initiates a verification request after decrypting the payment information;

Please also refer to FIG. 2 , which is a detailed flowchart of step S400 in FIG. 1 . Step S400 specifically includes:

S401. The payee uses the public key and the payee key to analyze the payment information to obtain a reference verification value;

In the embodiment of the present invention, after receiving the payment information, the payee needs to decrypt the payment information according to its own payment key and public key. It is understandable that any payee can decrypt the payment information through its payment key and public key, but the obtained reference verification values are not the same.

In the preferred embodiment of the present invention, the payee can also realize accurate analysis of the payment information through advanced decryption. The specific payee can decrypt the payment information again on the basis of using the payment key and the public key. Analyze the payment information through the collection account number, payment account number and payment amount to obtain a relatively accurate reference verification value. The reference verification value may specifically be a payment key. Preferably, for the protection of the payment key, the reference verification value may also be a value that is specially processed for the payment key.

S402. The payee sends the verification value together with the basic account information for verification;

In the embodiment of the present invention, in order to ensure transaction security to the greatest extent, the information to be verified includes at least the parsed reference verification value and the payee's basic account information.

S500. Respond to the verification request, and execute the transaction after the verification is passed.

In the embodiment of the present invention, to perform the verification process, the basic account information of the payee contained in the payment information must first be compared, and when the same is confirmed, the payment key and the reference verification value are compared. When all verifications are passed, the transaction is executed. If any part of the verification fails, the transaction will be terminated.

Please refer to FIG. 3 , which is a flow chart of the electronic money transaction method provided by the preferred embodiment of the present invention. In view of the fact that the included steps S100'～S500' are the same as those of S100～S500 in FIG. 1, they will not be repeated here. After step S500', it also includes:

Step S600', stamping the transaction information of the completed transaction with a time stamp, and broadcasting to the entire network

In the embodiment of the present invention, after the transaction is executed, an instant time stamp is added to the transaction information contained in the payment information, and then the transaction information is broadcast on the entire blockchain network to inform all users on the blockchain. Through this step, malicious tampering of transaction information by others can be avoided.

In the electronic money transaction method of the present invention, payment information is generated by jointly encrypting the payment account number of the payer, the basic account information of the payee, and the transaction information, which can prevent others from tampering with the transaction information. And in the process of executing the transaction, by verifying the reference verification value analyzed by the payee on the payment information, the authenticity of both parties to the transaction is guaranteed, which greatly improves the security of the transaction.

The present invention also provides an electronic money transaction system, as shown in FIG. 4 , which provides a system architecture diagram of the electronic money transaction system according to the embodiment of the present invention.

The electronic money transaction system in the embodiment of the present invention includes: a payment terminal 100 , a collection module 200 and a transaction verification device 300 . Wherein, the payment terminal 100 and the payment terminal 200 can be connected with the transaction verification device 300 in a wired or wireless manner; the payment terminal 100 and the collection module 200 are wirelessly connected, and the number of the payment terminal 100 and the payment terminal 200 is At least one, the payment terminal 100 and the payment terminal 200 may specifically be handheld mobile terminals such as mobile phones, tablet computers, and PDAs, or fixed terminals such as desktop computers.

In the embodiment of the present invention, the payment terminal 100 includes a request generation module 110 and an information extraction unit 120 , and the request generation unit 110 is connected to the information extraction unit 120 . The request generation unit 110 is used to obtain the payment request; the information extraction unit 120 is used to retrieve the payment account number of the payer, and extract the basic account information and transaction information of the payee from the payment request obtained by the request generation unit 110 . Specifically, the payment request acquired by the request generation unit 110 may be generated by the payer 100 itself or may be a payment request sent by the receiver 200 .

The transaction verification device 300 includes an encryption module 310 and a verification module 320. The encryption module 310 is used to jointly encrypt the payment account number retrieved in the information extraction unit 120 in combination with the proposed basic account information of the payee and payee and transaction information to generate a payment Information; the verification module 320 is used to respond to the verification request initiated by the payee terminal 200, and execute the transaction after the verification is passed.

The payment terminal 200 is configured to initiate a verification request after decrypting the payment information generated by the encryption module 310 .

In a preferred embodiment of the present invention, the basic account information of the payee extracted by the information extraction unit should at least include a collection account number and a collection key; the transaction information should at least include a payment amount. The encryption module encrypts the payment information and generates the algorithm specifically as follows:

Among them, M is the payment information, C is the collection key, T is the payment key, P is the payment account number, R is the collection account number, U is the public key, and A is the payment amount.

Please also refer to FIG. 5 , which is a structural diagram of the payment terminal 200 in FIG. 4 and a structural diagram of a transaction verification module in a preferred embodiment. The payment terminal 200 includes: an analysis unit 210 and an information sending unit 220 . Wherein, the parsing unit 210 is used to analyze the payment information generated by the encryption module 310 using the public key and the collection key to obtain a reference verification value; the information sending unit 220 is used to parse the reference verification value obtained by the parsing unit 210 and the basic account The information is also sent to the verification module 320 for verification. During the verification process, the verification module 320 first compares the payee's basic account information included in the payment information, and compares the payment key and the reference verification value when they are confirmed to be the same. When all verifications are passed, the transaction is executed. If any part of the verification fails, the transaction will be terminated.

In a preferred embodiment of the present invention, the reference verification value analyzed by the analysis unit may specifically be a payment key. In other embodiments of the present invention, the reference verification value may also be a value that performs special processing on the payment key.

Fig. 6 is a schematic structural diagram of a transaction verification device in a preferred embodiment of the present invention. The transaction verification device 300' includes: an encryption module 310', a verification module 320' and a broadcast module 330'. It should be noted that since the functions of the encryption module 310' and the verification module 320' are the same as those of the corresponding modules in the previous embodiment, details are not described here. The broadcast module 330' is used to add a time stamp to the transaction information of the transaction completed by the verification module 320', and broadcast to the whole network.

The electronic money transaction system of the present invention generates payment information by jointly encrypting the payment account number of the payer, the basic account information of the payee and the transaction information, thereby avoiding the situation that others tamper with the transaction information. And in the process of executing the transaction, by verifying the reference verification value analyzed by the payee on the payment information, the authenticity of both parties to the transaction is guaranteed, which greatly improves the security of the transaction.

The serial numbers of the above embodiments of the present invention are for description only, and do not represent the advantages and disadvantages of the embodiments.

The device embodiments described above are only illustrative, and the units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in One place, or it can be distributed to multiple network elements. Part or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment. It can be understood and implemented by those skilled in the art without any creative efforts.

Through the above description of the implementations, those skilled in the art can clearly understand that each implementation can be implemented by means of software plus a necessary general hardware platform, and of course also by hardware. Based on this understanding, the essence of the above technical solution or the part that contributes to the prior art can be embodied in the form of software products, and the computer software products can be stored in computer-readable storage media, such as ROM/RAM, magnetic discs, optical discs, etc., including several instructions to make a computer device (which may be a personal computer, server, or network device, etc.) execute the methods described in various embodiments or some parts of the embodiments.

The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention shall be included in the protection of the present invention. within range.

Claims (10)

1. a kind of electronic money trading method, it is characterised in that comprise the following steps：

Paying party obtains payment request；

The payment account number of paying party is transferred, and the basic account information and transaction letter of beneficiary are extracted from the payment request Breath；

Basic account information and the Transaction Information that the payment account number combines the beneficiary for extracting are carried out to add jointly It is close, generate payment information；

After beneficiary is decrypted to the payment information, checking request is initiated；

Response verification is asked, and transaction is performed after being verified.

2. the method for claim 1, it is characterised in that：The basic account information specifically includes shroff account number and gathering Secret key；The Transaction Information is specially Payment Amount；The payment information be by shroff account number, gathering secret key, Payment Amount with And the payment account number of paying party is by paying the bill secret key and generating after public keys are encrypted.

3. method as claimed in claim 2, it is characterised in that after the beneficiary is decrypted to payment information, sends In the step of checking request, specifically include：

Beneficiary is parsed and is obtained referring to validation value using public keys and payment information described in gathering secret key pair；

The reference validation value and the basic account information are sent checking by the beneficiary in the lump.

4. method as claimed in claim 3, it is characterised in that the algorithm for being encrypted generation to the payment information is specific For：

$M={\∫}_C^T{(P+R)}^U\×A$

Wherein, M is payment information, and C is gathering secret key, and T is payment secret key, and P is payment account number, and R is shroff account number, and U is public Secret key, A is Payment Amount.

5. the method as any one of claim 1-4, it is characterised in that solved to payment information in the beneficiary Close checking, after the step of transaction is completed after being verified, also includes：

The Transaction Information to completing transaction adds a cover timestamp, and carries out the whole network broadcast.

6. a kind of electronic currency trade system, it is characterised in that including payment end, gathering end and transaction verification device；Wherein, The payment end includes：

Request generation unit：For obtaining payment request；

Information extraction unit：Payment account number for transferring paying party, and the payment request obtained from the request generation unit The middle basic account information and Transaction Information for extracting beneficiary；

The transaction verification device includes：Encrypting module and authentication module；

The encrypting module：Payment account number for will be transferred in described information extraction unit combines the basic account of beneficiary extracted Family information and Transaction Information carry out common cryptographic, generate payment information；

The gathering end is used for after the payment information generated to the encrypting module is decrypted, and initiates checking request；

The authentication module is used to respond the checking request that the gathering end is initiated, and transaction is performed after being verified.

7. system as claimed in claim 6, it is characterised in that the basic account information that described information extraction unit is extracted Including shroff account number and gathering secret key；The Transaction Information is Payment Amount；The payment of the encrypting module encryption generation Information is by paying the bill secret key and public keys are encrypted by shroff account number, gathering secret key, Payment Amount and payment account number After generate.

8. system as claimed in claim 7, it is characterised in that the gathering end specifically includes：

Resolution unit：Payment information for being generated using public keys and gathering key pair encryption module parse being joined Examine validation value；

Information transmitting unit：For the reference validation value and basic account information one that obtain resolution unit parsing And be sent to the authentication module and verified.

9. system as claimed in claim 8, it is characterised in that the encrypting module is encrypted the calculation of generation to payment information Method is specially：

$M={\∫}_C^T{(P+R)}^U\×A$

Wherein, M is payment information, and C is gathering secret key, and T is payment secret key, and P is payment account number, and R is shroff account number, and U is public Secret key, A is Payment Amount.

10. the system as any one of claim 6-9, it is characterised in that the transaction verification device also includes：

Broadcast module：Transaction Information for completing transaction to the authentication module adds a cover timestamp, and carries out the whole network broadcast.