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

A kind of electronic money trading method and system Download PDF

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Publication number
CN106920100A
CN106920100A CN201710174557.0A CN201710174557A CN106920100A CN 106920100 A CN106920100 A CN 106920100A CN 201710174557 A CN201710174557 A CN 201710174557A CN 106920100 A CN106920100 A CN 106920100A
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China
Prior art keywords
payment
information
transaction
beneficiary
secret key
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CN201710174557.0A
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Chinese (zh)
Inventor
郭建军
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Shanghai Noah Investment Management Co Ltd
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Shanghai Noah Investment Management Co Ltd
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Priority to CN201710174557.0A priority Critical patent/CN106920100A/en
Publication of CN106920100A publication Critical patent/CN106920100A/en
Pending legal-status Critical Current

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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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a kind of electronic money trading method and system, the described method comprises the following steps：Paying party obtains payment request；The payment account number of paying party is transferred, and the basic account information and Transaction Information of beneficiary are extracted from the payment request；Basic account information and the Transaction Information that the payment account number combines the beneficiary for extracting are carried out into common cryptographic, payment information is generated；After beneficiary is decrypted to the payment information, checking request is initiated；Response verification is asked, and transaction is performed after being verified.The electronic money trading method that the present invention is provided, can avoid the occurrence of other people and distort the situation of Transaction Information.And the form during transaction is performed by being verified to the reference validation value that payment information analysis go out to beneficiary, it is ensured that the authenticity of both parties, the security to concluding the business has significant increase.Present invention also offers a kind of transaction system of electronic money.

Description

A kind of electronic money trading method and system
Technical field
The present invention relates to moneytary operations field, more particularly to a kind of electronic money trading method and system.
Background technology
With the continuous progress of society, the electronization application of currency is received by broad masses of the people, electronic money Replacement to traditionally on paper currency can be fully achieved in multiple fields such as clothing, food, lodging and transportion -- basic necessities of life.Electronic money is deposited compared to conventional currency The advantages of being difficult loss, fast concluding the business and be easy to management, the experience sense of user is greatly improved.
But, during existing electronic money trading, because Transaction Information has the characteristics of coming into the open, other people are easy Transaction content is forged, there is great potential safety hazard.Once utilized by " person who is ambitious or tenacious of purpose ", it will cause the property of user Loss.
The content of the invention
In order to solve problem of the prior art, a kind of electronic money trading method and system are the embodiment of the invention provides. Scheme is as follows：
A kind of electronic money trading method, comprises 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 payment request Breath；
Basic account information and Transaction Information that payment account number combines the beneficiary for extracting are carried out into common cryptographic, generation is paid Money information；
After beneficiary is decrypted to payment information, checking request is initiated；
Response verification is asked, and transaction is performed after being verified.
Further, basic account information specifically includes shroff account number and gathering secret key；Transaction Information is specially payment gold Volume；Payment information is the payment account number by shroff account number, gathering secret key, Payment Amount and paying party by secret key and the public affairs of paying the bill Generated after secret key is encrypted altogether.
Further, after beneficiary is decrypted to payment information, send checking request the step of in, specifically include：
Beneficiary is parsed and is obtained referring to validation value using public keys and gathering secret key pair payment information；
Beneficiary will in the lump send checking with reference to validation value and basic account information.
Further, the algorithm that generation is encrypted to payment information is specially：
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 keys, A is Payment Amount.
Further, checking is decrypted to payment information in beneficiary, after being verified complete transaction the step of it Afterwards, also include：
Transaction Information to completing transaction adds a cover timestamp, and carries out the whole network broadcast.
Present invention also offers a kind of electronic currency trade system, including payment end, gathering end and transaction verification device； Wherein, 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 request generation unit The middle basic account information and Transaction Information for extracting beneficiary；
Transaction verification device includes：Encrypting module and authentication module；
Encrypting module：Payment account number for will be transferred in information extraction unit combines the beneficiary basic account for extracting letter Breath and Transaction Information carry out common cryptographic, generate payment information；
The gathering end is used for after being decrypted to the payment information that encrypting module is generated, and initiates checking request；
The authentication module is used to respond the checking request that gathering end is initiated, and transaction is performed after being verified.
Further, the basic account information that information extraction unit is extracted includes shroff account number and gathering secret key；Transaction letter It is Payment Amount to cease；The payment information of encrypting module encryption generation is by shroff account number, gathering secret key, Payment Amount and payment Account is by paying the bill secret key and generating after public keys are encrypted.
Further, the gathering end specifically includes：
Resolution unit：Payment information for being generated using public keys and gathering key pair encryption module parse To referring to validation value；
Information transmitting unit：Reference validation value and basic account information one for resolution unit parsing to be obtained is concurrent Authentication module is given to be verified.
Further, the encrypting module is encrypted the algorithm of generation to payment information and is specially：
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 keys, A is Payment Amount.
Further, the transaction verification device also includes：
Broadcast module：Transaction Information for completing transaction to authentication module adds a cover timestamp, and carries out the whole network broadcast.
The beneficial effect that technical scheme provided in an embodiment of the present invention is brought is：Electronic money trading method of the invention and System, common cryptographic is carried out due to using by the pay code of paying party, the basic account information of beneficiary and Transaction Information Mode generate payment information, other people can be avoided the occurrence of distort the situation of Transaction Information.And performing the process of transaction In by the form verified to the payment reference validation value that goes out of information analysis to beneficiary, it is ensured that both parties' is true Property, the security to concluding the business has significant increase.
Brief description of the drawings
Technical scheme in order to illustrate more clearly the embodiments of the present invention, below will be to that will make needed for embodiment description Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for For those of ordinary skill in the art, on the premise of not paying creative work, other can also be obtained according to these accompanying drawings Accompanying drawing.
Fig. 1 provides the method flow diagram of electronic money trading method for the embodiment of the present invention；
Fig. 2 is the refined flow chart of step S400 in Fig. 1；
The method flow diagram of the electronic money trading method that Fig. 3 is provided for the preferred embodiment of the present invention；
Fig. 4 provides the system architecture diagram of electronic currency trade system for the embodiment of the present invention；
Fig. 5 is the structure chart of transaction verification module in the structural representation preferred embodiment at end 200 of being collected money in Fig. 4；
Fig. 6 is the structural representation of transaction verification device in the preferred embodiment of the present invention.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with accompanying drawing to embodiment party of the present invention Formula is described in further detail.
Fig. 1 show the method flow diagram that the embodiment of the present invention provides electronic money trading method.
The electronic money trading method of the embodiment of the present invention, including：
S100, paying party obtain payment request；
In embodiments of the present invention, payment request acquired in paying party can have two kinds of forms：One kind is given birth to by beneficiary Into payment request, payment request is then sent to paying party, the side's of requesting for payment payment；Another kind is actively generated by paying party One payment request, pays the bill to beneficiary.
S200, the payment account number for transferring paying party, and basic account information and the friendship of beneficiary are extracted from payment request Easy information；
In embodiments of the present invention, the payment request for either actively being sent by beneficiary, or paying party is independently given birth to Into payment request, after paying party obtains a payment request, the basic account of beneficiary can be extracted from payment request Family information and Transaction Information.While the basic account information of paying party can be transferred, the basic account information of beneficiary should When at least including shroff account number and gathering secret key；Transaction Information should at least include Payment Amount.
S300, the basic account information of the beneficiary that payment account number combination is extracted and Transaction Information carry out common cryptographic, Generation payment information；
In embodiments of the present invention, payment information by paying party by shroff account number, gathering secret key, Payment Amount and itself Payment account number by pay the bill secret key and public keys by being encrypted jointly after generate and obtain.
Specifically, the algorithm of generation payment information is：
In formula, 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 keys, A is Payment Amount.
After S400, beneficiary are decrypted to payment information, checking request is initiated；
It is the refined flow chart of step S400 in Fig. 1 also referring to Fig. 2.Step S400, specifically includes：
S401, beneficiary are parsed and are obtained referring to validation value using public keys and gathering secret key pair payment information；
In embodiments of the present invention, after beneficiary receives payment information, be according to itself gathering secret key and public affairs Secret key pair Receiving information is decrypted altogether.It should be understood that any beneficiary is by its collect money secret key and the equal energy of public keys Enough realize the decryption to Receiving information, but the reference validation value that is drawn and differ.
In a preferred embodiment of the invention, beneficiary can also realize the essence to payment information by way of advanced decryption Really parsing, specific beneficiary can be on the basis of being decrypted, again by gathering using gathering secret key and public keys Account, payment account number and Payment Amount, parse to payment information, to obtain relatively accurate reference validation value.The reference Validation value is specifically as follows payment secret key, it is preferred that for the protection to secret key of paying the bill, this can also be to tackle with reference to validation value Money secret key become privileged the value for the treatment of.
S402, beneficiary will in the lump send checking with reference to validation value and basic account information；
In embodiments of the present invention, in order to farthest ensure transaction security, therefore at least wrapped in information to be verified Include the basic account information of the reference validation value and beneficiary for parsing.
S500, response verification request, and transaction is performed after being verified.
In embodiments of the present invention, verification process is performed, the basic account to the beneficiary included in payment information is first had to Family information is compared, and when confirming identical, then is compared to payment secret key and with reference to validation value.It is verified when all Afterwards, then transaction is performed.As the checking of any link does not pass through, then terminate transaction.
Fig. 3 is referred to, is the method flow diagram of the electronic money trading method that the preferred embodiment of the present invention is provided.In view of institute Comprising the step of S100'~S500' it is identical with the S100~S500 in Fig. 1, do not repeated herein, after step S500', Also include：
Step S600', the Transaction Information to completing transaction adds a cover timestamp, and carries out the whole network broadcast
In embodiments of the present invention, after transaction is performed, the Transaction Information included in payment information is added i.e. constantly Between mark, then Transaction Information is broadcasted in block chain the whole network, inform all users on block chain.By this step, energy Other people are enough avoided maliciously to be distorted to Transaction Information.
Electronic money trading method of the invention, due to using the basic account of the pay code of paying party, beneficiary Information and Transaction Information carry out the mode of common cryptographic to generate payment information, can avoid the occurrence of other people and distort Transaction Information Situation.And the reference validation value that payment information analysis go out is verified by beneficiary during transaction is performed Form, it is ensured that the authenticity of both parties, to conclude the business security have significant increase.
The present invention also provides a kind of electronic currency trade system, as shown in figure 4, for the embodiment of the present invention provides electronic money The system architecture diagram of transaction system.
The electronic currency trade system of the embodiment of the present invention includes：Payment end 100, gathering module 200 and transaction verification Device 300.Wherein, payment end 100 and gathering end 200 can be carried out by wired or wireless mode with transaction verification device 300 Connection；The quantity at wireless connection between payment end 100 and gathering module 200, the payment end 100 and gathering end 200 is at least one Individual, the payment end 100 and gathering end 200 are specifically as follows mobile phone, the hand-held mobile terminal such as panel computer and PDA or desktop The fixed terminals such as brain.
In embodiments of the present invention, payment end 100 includes request generation module 110 and information extraction unit 120, please seek survival It is connected with information extraction unit 120 into unit 110.Request generation unit 110 is used to obtain payment request；Information extraction unit The base of beneficiary is extracted in 120 payment account numbers for being used to transfer paying party, and the payment request obtained from request generation unit 110 This accounts information and Transaction Information.Specifically, the payment request acquired in request generation unit 110 can be for payment end 100 certainly Row generation can also be to receive the payment request that gathering end 200 sends.
Transaction verification device 300 includes encrypting module 310 and authentication module 320, and encrypting module 310 is used to carry information The receipts beneficiary basic account information and Transaction Information for taking the payment account number transferred in unit 120 and combining proposition are total to With encryption, payment information is generated；Authentication module 320 is used to respond the checking request that gathering end 200 is initiated, and after being verified Perform transaction.
Gathering end 200 is used for after the payment information generated to encrypting module 310 is decrypted, and initiates checking request.
In the preferred embodiment of the invention, the basic account information of the beneficiary that information extraction unit is extracted should be extremely Include shroff account number and gathering secret key less；Transaction Information should at least include Payment Amount.Encrypting module is added to payment information The algorithm of close generation is specially：
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 keys, A is Payment Amount.
Also referring to Fig. 5, be collect money in Fig. 4 end 200 structural representation preferred embodiment in transaction verification module Structure chart.The gathering end 200 includes：Resolution unit 210 and information transmitting unit 220.Wherein, resolution unit 210 is used to make With the payment information of public keys and the generation of gathering key pair encryption module 310 parse and obtain referring to validation value；Information is sent out Reference validation value and basic account information of the unit 220 for the parsing of resolution unit 210 to be obtained is sent to be sent to checking in the lump Module 320 is verified.In verification process, authentication module 320 is first had to the basic of the beneficiary that is included in payment information Accounts information is compared, and when confirming identical, then is compared to payment secret key and with reference to validation value.When all checking is logical Later, then transaction is performed.As the checking of any link does not pass through, then terminate transaction.
In a preferred embodiment of the invention, the reference validation value that resolution unit parsing draws is specifically as follows payment secret key. In other embodiments of the present invention, this can also be the value for payment secret key become privileged treatment with reference to validation value.
Fig. 6 is the structural representation of transaction verification device in the preferred embodiment of the present invention, the transaction verification device 300' bags Include：Encrypting module 310', authentication module 320' and broadcast module 330'.It should be noted that due to encrypting module 310' and Authentication module 320' is same with the function phase of first embodiment respective modules, is not repeated herein.It is right that broadcast module 330' is used for The Transaction Information that the authentication module 320' completes transaction adds a cover timestamp, and carries out the whole network broadcast.
Electronic currency trade system of the invention, due to using the basic account of the pay code of paying party, beneficiary Information and Transaction Information carry out the mode of common cryptographic to generate payment information, can avoid the occurrence of other people and distort Transaction Information Situation.And the reference validation value that payment information analysis go out is verified by beneficiary during transaction is performed Form, it is ensured that the authenticity of both parties, to conclude the business security have significant increase.
The embodiments of the present invention are for illustration only, and the quality of embodiment is not represented.
Device embodiment described above is only schematical, wherein the unit illustrated as separating component can To be or may not be physically separate, the part shown as unit can be or may not be physics list Unit, you can with positioned at a place, or can also be distributed on multiple NEs.It can according to the actual needs be selected In some or all of module realize the purpose of this embodiment scheme.Those of ordinary skill in the art are not paying creativeness Work in the case of, you can to understand and implement.
Through the above description of the embodiments, those skilled in the art can be understood that each implementation method can Realized by the mode of software plus required general hardware platform, naturally it is also possible to by hardware.Based on such understanding, on Stating the part that technical scheme substantially contributes to prior art in other words can be embodied in the form of software product, should Computer software product can be stored in a computer-readable storage medium, such as ROM/RAM, magnetic disc, CD, including some fingers Order is used to so that a computer equipment (can be personal computer, server, or network equipment etc.) performs each implementation Method described in some parts of example or embodiment.
The foregoing is only presently preferred embodiments of the present invention, be not intended to limit the invention, it is all it is of the invention spirit and Within principle, any modification, equivalent substitution and improvements made etc. should be included within the scope of the present invention.

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.
CN201710174557.0A 2017-03-22 2017-03-22 A kind of electronic money trading method and system Pending CN106920100A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107705125A (en) * 2017-08-28 2018-02-16 杭州云象网络技术有限公司 A kind of payment marking method based on block chain
CN108805574A (en) * 2018-05-19 2018-11-13 深圳市图灵奇点智能科技有限公司 Method of commerce based on secret protection and system
CN109191122A (en) * 2018-08-10 2019-01-11 中国银行股份有限公司 A kind of method and device obtaining Transaction Information voucher
CN111523869A (en) * 2020-04-09 2020-08-11 天地融科技股份有限公司 Off-line transaction method and system for digital currency

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CN103489098A (en) * 2013-09-23 2014-01-01 裘百灵 Mobile payment method, system and program supporting offline receipt and payment

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107705125A (en) * 2017-08-28 2018-02-16 杭州云象网络技术有限公司 A kind of payment marking method based on block chain
CN108805574A (en) * 2018-05-19 2018-11-13 深圳市图灵奇点智能科技有限公司 Method of commerce based on secret protection and system
CN108805574B (en) * 2018-05-19 2021-01-26 深圳市图灵奇点智能科技有限公司 Transaction method and system based on privacy protection
CN109191122A (en) * 2018-08-10 2019-01-11 中国银行股份有限公司 A kind of method and device obtaining Transaction Information voucher
CN111523869A (en) * 2020-04-09 2020-08-11 天地融科技股份有限公司 Off-line transaction method and system for digital currency
CN111523869B (en) * 2020-04-09 2024-05-24 天地融科技股份有限公司 Off-line transaction method and system for digital currency

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