CN107730254B - Currency safe transaction system and currency safe transaction method - Google Patents

Currency safe transaction system and currency safe transaction method Download PDF

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Publication number
CN107730254B
CN107730254B CN201610657490.1A CN201610657490A CN107730254B CN 107730254 B CN107730254 B CN 107730254B CN 201610657490 A CN201610657490 A CN 201610657490A CN 107730254 B CN107730254 B CN 107730254B
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user
transaction
account book
secure
bank card
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CN107730254A (en
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于恒
王巍
范思宇
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Nanjing biliao Information Technology Co.,Ltd.
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Nanjing Biliao Information Technology Co ltd
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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
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346—Cards serving only as information carrier of service
    • 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
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Abstract

The invention provides a currency safe transaction system and a currency safe transaction method based on a block chain technology, wherein a public account book deployed in a cloud end is combined with a user account book of each user to form a decentralized distributed account book; the bank card and the communication terminal are combined into one node on the blockchain, any two nodes can realize remote currency transaction by using the blockchain, and the transaction records are copied and stored on other nodes, the transaction records on all the nodes are digitally encrypted and cannot be tampered, and the authenticity and the safety of the transaction are jointly maintained.

Description

Currency safe transaction system and currency safe transaction method
Technical Field
The invention relates to the technical field of currency transaction, in particular to a currency safe transaction system and a currency safe transaction method.
Background
The original currency transaction is generally realized by banks, foreign exchange and cash withdrawal are inconvenient, and the security of the transaction can only depend on bank credit as a guarantee. In the digital age, the technology of network currency transaction based on bank accounts has been developed rapidly, however, the security of digital currency in transaction and circulation has been questioned. In the prior art, a bank provides a large server group to manage all account data of the bank, a network user of the bank can remotely connect to the server group of the bank by using an Ethernet, and remote account transfer is completed by using the server group, so that transactions among different types of money are realized. Some risks of transaction security exist in the process that a user connects the server through the Ethernet to exchange data and in the process that the server controls currency transactions.
The blockchain technology is a string of data blocks which are generated by using a cryptography method in a correlation mode, is a distributed database system consisting of data block nodes, does not need to set a central server, and is a mode of establishing credit without trust accumulation.
Disclosure of Invention
An object of the present invention is to provide a currency transaction system, which effectively solves the technical problems of poor transaction security, high payment and cash withdrawal risks, etc. existing in the existing currency transaction system.
To achieve the above object, the present invention provides a money safe transaction system including: the system comprises at least two communication terminals, a cloud terminal and a server, wherein the at least two communication terminals are connected to the cloud terminal through an Ethernet, and at least two preset public accounts are stored in the cloud terminal; at least two safe bank cards storing at least one user account book; each secure bank card is wirelessly connected to a communication terminal; at least two communication terminals are connected with each other through a cloud end to realize data exchange; a communication terminal and a secure bank card which are connected with each other form a block, a storage unit in which a public account book is stored at the cloud end forms a block, a plurality of blocks are mutually linked in a net shape to form a system block chain, and any two blocks are mutually linked through a programmable protocol; any public account book or user account book is directly or indirectly linked to another public account book or user account book through a programmable protocol, all public account books and all user account books jointly form a netlike distributed total account book to form a money transaction network, and any public account book or user account book is a node in the money transaction network; any user issues at least one user transaction offer to the currency transaction network through a communication terminal, and the user transaction offer is stored in a user account book of the user; the communication terminal of the user issues the user account book in the money transaction network, and stores the user transaction offer to all user account books and all public account books in the money transaction network; when the user transaction offers issued by any more than two users are matched with each other, the block chain automatically generates and executes an intelligent contract, automatically realizes the currency transaction, and saves the intelligent contract and the transaction record of the transaction to a user account book of a transaction party; and the communication terminal of the user of the transaction party issues the user account book in the money transaction network, and stores the intelligent contract and the transaction record into all the user account books and all public account books in the money transaction network.
Further, the user account book stores user ID character strings, user personal information, user bank accounts, currency and balance information in the accounts, user keys, user transaction offers, intelligent contracts and transaction records; the public account book stores user ID character strings, user transaction offers, intelligent contracts and transaction records; the user transaction offer comprises a user bank account, currency required to be transacted by the user and a transaction amount.
Furthermore, the communication terminal comprises an NFC device and a first communication module; the first communication module is connected to the cloud end through the Ethernet. The first communication module comprises a wired communication module or a wireless communication module, and the wireless communication module comprises a WIFI communication module or a cellular communication module.
Further, the secure bank card comprises an NFC device and a memory, and the memory is used for storing at least one user account book. The secure bank card further comprises: the fingerprint acquisition device is used for acquiring at least one verification fingerprint; the fingerprint authentication controller is connected to the fingerprint acquisition device and is used for judging whether the identity of the user is legal or not; the fingerprint authentication controller includes: a fingerprint memory for storing at least one user fingerprint; the fingerprint comparator is respectively connected to the fingerprint acquisition device and the fingerprint memory; the fingerprint verification device is used for comparing the verification fingerprint with the user fingerprint, and if the verification fingerprint is consistent with any user fingerprint, the identity of the user is judged to be legal; if the verification fingerprint is inconsistent with each user fingerprint, judging that the user identity is illegal; one end of the switch circuit module is connected to the fingerprint authentication controller, the other end of the switch circuit module is connected to the NFC device, and the switch state of the switch circuit module is changed according to whether the user identity is legal or not; if the user identity is legal, the switch circuit module is closed; and if the user identity is illegal, the switch circuit module is disconnected.
Further, the money safe transaction system further includes: at least one ATM; and at least one identity verification device for verifying the authenticity of the user identity holding the secure bank card; the authentication apparatus includes: a processor; an ATM interface having one end connected to said processor and the other end connected to said ATM; and an NFC device connected to the processor.
Further, the authentication apparatus further includes: the camera is connected to the processor and used for acquiring a real-time facial image of a user holding the secure bank card and acquiring real-time facial feature data of the user; the image memory is connected to the processor and used for storing at least one face characteristic data of the user holding the secure bank card; one end of the second communication module is connected to the processor, and the other end of the second communication module is connected to the cloud end and used for acquiring standard facial feature data of at least one secure bank snap-in user from the cloud end; the processor comprises a face identification module, a face identification module and a face identification module, wherein the face identification module is used for comparing the real-time face characteristic data of the secure bank card user with the standard face characteristic data of at least one secure bank clamping method user, and if the real-time face characteristic data of the secure bank card user is matched with the standard face characteristic data of the secure bank clamping method user, the secure bank card user is judged to be a legal user; if the two are not matched, the user is judged to be an illegal user.
Further, the second communication module comprises a wired communication module or a wireless communication module, and the wireless communication module comprises a WIFI wireless communication module or a cellular communication module.
Further, the NFC apparatus includes: an NFC controller; an NFC security module connected to the NFC controller; an NFC communication module connected to the NFC security module; and the NFC antenna is connected to the NFC communication module.
Further, the communication terminal comprises a computer, a tablet computer or a smart phone.
Another objective of the present invention is to provide a currency secure transaction method, which effectively solves the technical problems of poor transaction security, high payment and cash withdrawal risks, and the like in the existing currency transaction system.
In order to achieve the above object, the present invention provides a currency secure transaction method, comprising the steps of:
step S1), at least two communication terminals are set and connected to a cloud end through an Ethernet, and at least two preset public accounts are stored in the cloud end; the public ledger comprises a user ID character string, a user transaction offer, an intelligent contract and a transaction record.
Step S2), initializing at least two safe bank cards, and storing at least one user account book to one safe bank card; the user account book comprises a user ID character string, user personal information, a user bank account, currency and balance information in the account and a user key.
Step S3) connects each secure bank card to a communication terminal wirelessly.
Step S4) connecting at least two communication terminals with each other through a cloud end to realize data exchange; a communication terminal and a secure bank card which are connected with each other form a block, a storage unit in which a public account book is stored at the cloud end forms a block, a plurality of blocks are mutually linked in a net shape to form a system block chain, and any two blocks are mutually linked through a programmable protocol; any public account book or user account book is directly or indirectly linked to another public account book or user account book through a programmable protocol, all public account books and all user account books jointly form a netted distributed total account book to form a money transaction network, and any public account book or user account book is a node in the money transaction network.
Step S5) any user issues at least one user transaction offer to the currency transaction network through a communication terminal, and stores the user transaction offer to the user account book of the user; the user transaction offer comprises a user ID character string, a user bank account, a transaction exchange rate, currency to be transacted and transaction amount information.
Step S6) the communication terminal of the user issues the user account book in the money transaction network, and stores the user transaction offer to all user account books and all public account books in the money transaction network.
Step S7), when the user transaction offers issued by any two or more users are matched with each other, the block chain automatically generates and executes an intelligent contract, automatically realizes the currency transaction, and saves the intelligent contract and the transaction record of the transaction to the user account book of the transaction party; and the communication terminal of the user of the transaction party issues the user account book in the money transaction network, and stores the intelligent contract and the transaction record into all the user account books and all public account books in the money transaction network.
Further, when a secure bank card accesses the currency transaction system block chain by using a communication terminal, the user personal information, the user bank account, the currency type in the account and the balance information stored in the secure bank card are stored in a public account book, the public account book is converted into a user account book, and the user account book is stored in the secure bank card.
Furthermore, the communication terminal of the user issues the user account in the money transaction network, which means that the user account in one block is sequentially sent and stored in the next block according to the principle that the communication cost is the lowest.
Further, the money secure transaction method further includes step S8) of withdrawing cash from an ATM using the secure bank card, specifically including the steps of: step S801) starting the secure bank card and the communication terminal; step S802) shooting a face image of at least one legal user by using a communication terminal, and extracting at least one face feature data from the face image as standard face feature data of the user; step S803) uploading the user account book and the standard facial feature data in the secure bank card to a cloud by using a communication terminal; step S804) connecting an identity authentication device to an ATM, wherein the cash-out function of the ATM is in a closed state; step S805) inserting the secure bank card into the ATM, wherein the NFC device of the secure bank card is wirelessly connected with the NFC device of the identity verification device; step S806) the identity authentication equipment downloads the standard image of the user from the cloud according to an ID character string in the secure bank card; step S807) the identity authentication equipment acquires a real-time facial image of the user holding the secure bank card by using a camera, and collects real-time facial feature data of the user; step S808) the identity authentication equipment compares the real-time facial feature data of the user with the standard facial feature data of the bank card-engaging user, and activates the ATM cash-taking function if the real-time facial feature data of the user is matched with the standard facial feature data of the bank card-engaging user; if the two are not matched, the cash withdrawal function of the ATM maintains a closed state; step S809) the user uses the secure bank card to extract cash on the ATM; step S810) storing currency and balance information in a user bank account into the secure bank card to update the user account book; and step S811) the communication terminal uploads the updated user account book and stores the updated user account book in the cloud.
Further, step S801) of starting the secure bank card specifically includes the following steps: step S8011) at least one user fingerprint is stored in the secure bank card; step S8012) at least one verification fingerprint is acquired in real time; step S8013) the verification fingerprint is compared with the user fingerprint, if the verification fingerprint is matched with any user fingerprint, the user identity is judged to be legal, and the switch circuit module of the secure bank card is closed; and if the verification fingerprint is not matched with each user fingerprint, judging that the user identity is illegal, and disconnecting the switch circuit module of the secure bank card.
Furthermore, the matching of the user transaction offers issued by any two or more users means that the currency and the transaction amount of the user needing to trade in one user transaction offer issued by one user correspond to the currency and the transaction amount of the user needing to trade in at least one user transaction offer issued by another user or a plurality of users.
The invention has the advantages that the public account book deployed in the cloud end is combined with the user account book of each user to form a decentralized distributed account book, and all the account books are sequentially linked to form a block chain of the currency transaction system; the bank card and the communication terminal are combined to form a node on the blockchain, any two nodes can utilize the blockchain to realize remote currency transaction, and the transaction records are copied and stored on other nodes, the transaction records on all the nodes are digitally encrypted and cannot be tampered, and the authenticity and the safety of the transaction are jointly maintained. Any node user on the block chain can issue a currency transaction offer, when more than two currency transaction offers are matched, the system automatically forms an intelligent contract and automatically completes the transaction, a large amount of manual operations in a financial transaction flow can be reduced, and the transaction efficiency is effectively improved. After the transaction is completed, the safe bank card can be used for withdrawing cash from the ATM, the ATM can be provided with an identity verification device, and the legality of the user identity can be verified by comparing a user photo mode with a key input mode, so that the safety in the cash withdrawing process is ensured.
Drawings
FIG. 1 is a schematic diagram of a secure transaction system for currency according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a communication terminal and a secure bank card in the embodiment of the present invention;
FIG. 3 is a block chain structure according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a secure bank card according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an ATM and an authentication device according to an embodiment of the present invention.
Detailed Description
The embodiments of the present invention will be described in detail with reference to the accompanying drawings, which are included to illustrate and explain by way of example the present invention. The present invention may, however, be embodied in many different forms of embodiments and the scope of the present invention should not be construed as limited to the embodiments set forth herein.
In the drawings, structurally identical elements are represented by like reference numerals, and structurally or functionally similar elements are represented by like reference numerals throughout the several views. When certain components are described as being "mounted to" or "connected to" another component, they can be understood as being "mounted" or "connected" directly to one another or one component can be "mounted to" or "connected" to another component through an intermediate component.
As shown in fig. 1, the present embodiment provides a money secure transaction system, which includes a plurality of communication terminals 1 and a plurality of secure bank cards 2. The communication terminal 1 is connected to the cloud end 3 through the Ethernet 4, the cloud end 3 stores a plurality of preset public accounts, each secure bank card 2 stores at least one user account, and each secure bank card is connected to a communication terminal. The cloud is a cloud software/data platform, an application virtualization technology is adopted, multiple functions of software/data searching, downloading, using, managing, backing up and the like are integrated, a software/data resource, a software/data application and a software/data service platform are set up for application clients, and the cloud can be a public cloud or a private cloud and provides long-term and stable service for each application client.
As shown in fig. 2, the communication terminal 1 includes an NFC device 11 and a first communication module 12; the first communication module 12 is connected to the cloud 3 through ethernet. The NFC device 11 is an NFC payment device, and includes an NFC controller 111, an NFC security module 112, an NFC communication module 113, and an NFC antenna 114, where the NFC security module 112 is used to ensure transaction security in an NFC payment process; the NFC communication module 113 is connected to the NFC controller 111 through the NFC security module 112, and the NFC antenna 114 is connected to the NFC communication module 113, so that the NFC device can exchange data with other NFC devices. The first communication module 12 includes a wired communication module or a wireless communication module including a WIFI communication module or a cellular communication module (3G/4G), and the like. The communication terminal may be a computer, a tablet computer, a smart phone, or the like, and the smart phone is preferred in this embodiment.
As shown in fig. 2, the secure bank card 2 is modified by adding a communicable payment module to a magnetic stripe bank card or a chip bank card, and in this embodiment, the payment module is preferably an NFC device. The secure bank card includes a magnetic stripe, a chip, and other common read/write components 26 on the bank card to realize the data read/write function, and the secure bank card 2 may further include an NFC device 21 and a memory 22. The NFC device 21 includes an NFC controller 211, an NFC security module 212, an NFC communication module 213 and an NFC antenna 214, wherein the NFC communication module 213 is connected to the NFC controller 214 through the NFC security module 212; the NFC antenna is connected to the NFC communication module so that the NFC device can exchange data with other NFC devices. The NFC antenna may be provided at the edge of the secure bank card 2. The memory 22 is connected to the NFC controller 211 for storing at least one user account. NFC device 21 can realize NFC payment, and security bank card 2 corresponds with NFC device 11 in communication terminal 1 through its NFC device 21 and is connected for security bank card 2 and communication terminal 1 can realize data interchange.
As shown in fig. 3, any one public ledger or user ledger is directly or indirectly linked to another public ledger or user ledger through a programmable protocol, all public ledgers and all user ledgers form a mesh distributed ledger together to form a money transaction network 100, and any one public ledger or user ledger is a node 101 in the money transaction network. The user account book can store user ID character strings, user personal information, user bank accounts, currency and balance information in the accounts, user keys, user transaction offers, intelligent contracts and transaction records; the public ledger can store user ID character strings, user transaction offers, intelligent contracts and transaction records; the user transaction offer comprises a user bank account, currency required to be transacted by the user and a transaction amount. The mesh distributed ledger is a block chain, and each node in the currency transaction network is a block. The determination of the link sequence among the blocks follows the principle of lowest communication cost, specifically, a mixed algorithm of a random principle and a near principle is used to determine the next block which realizes direct communication with one block, and data exchange or account book copy and update is performed.
In order to generate the currency transaction network of the present invention, a plurality of blank public accounts (e.g., 10000 or 100000) are preset and stored in a cloud (public cloud or private cloud); an invitation to join the money transaction network is then sent over the ethernet to a global user, who may register as a new user of the money transaction network over the ethernet using the communication terminal. The new user writes the user ID character string, the user personal information, the user bank account, the currency and balance information in the account and the user key into a blank public account book, converts the blank public account book into a user account book of a new registered user, and writes the user account book into the memory of the user safety bank card, at the moment, the combination of the communication terminal of the user and the safety bank card forms a new block which is linked to a block which is closest to the new block (the communication cost is lowest) in the original block chain, so that the new block also becomes a part of the block chain. When all the preset blank public accounts are converted into user accounts, the legal users of the money transaction network reach an upper limit and cannot add new users, and in this case, the system needs to preset a plurality of blank public accounts again so as to accommodate more users. Because each registered user is accessed to the money transaction network through the Ethernet and becomes a node in the network, the location of each user can be any corner on the earth which can be connected to the Ethernet, and thus, users in different countries exchange different types of money through the money transaction network of the embodiment, which has practical significance.
In the block chain, transaction information such as transaction offers and transaction records of each user can be transmitted and stored in public accounts or user accounts of all other nodes, the complete process of each transaction can be backed up in all nodes of the whole block chain, data in any one or more nodes is damaged, and all transaction records in the whole system cannot be completely deleted. Even if a lawbreaker attacks a hacker on the money transaction network in the embodiment, any transaction record in the whole money transaction system cannot be modified unless the person can control more than half of the nodes in the money transaction network at the same time and tamper the transaction records on all the nodes; the number of the nodes in this embodiment is set to at least thousands or tens of thousands, which makes the tampering difficulty of the transaction record extremely large, and it can be considered that the more the nodes on the blockchain are, the better the security of the transaction is.
Any user can issue at least one user transaction offer to the currency transaction network through a communication terminal, and the user transaction offer is stored in a user account book of the user; and the communication terminal of the user issues the user account book in the money transaction network, and stores the user transaction offer to all user account books and all public account books in the money transaction network. The user transaction offer comprises a user ID character string, a user bank account, a transaction exchange rate, currency to be transacted and transaction amount information. The user can set the effective time to be about, such as effective within 24 hours, or effective before the transaction is completed.
When the user transaction offers issued by any more than two users in the currency transaction network are matched with each other, the mutual matching of the user transaction offers here means that the supply-demand relationship of two or more parties in the transaction is exactly corresponding, and specifically means that the currency and the transaction amount of the user needing to be transacted in one user transaction offer issued by one user correspond to the currency and the transaction amount of the user needing to be transacted in at least one user transaction offer issued by another or a plurality of users. The block chain automatically generates and executes an intelligent contract, automatically realizes currency transaction, and stores the intelligent contract and the transaction record of the transaction to a user account book of a transaction party; and the communication terminal of the user of the transaction party issues the user account book in the money transaction network, and stores the intelligent contract and the transaction record into all the user account books and all public account books in the money transaction network. For example, a user in China may need to exchange 66875 yuan for $ 10000, which is a trade offer issued at a rate of 1: 6.6875; a user in the united states needs to exchange $ 10000 for 66875 yuan, which can also issue a trade offer at a rate of 1: 6.6875. In a transaction network, hundreds, thousands, tens of thousands or even tens of millions of transaction offers can exist in the same time period, when any two transaction offers are matched with each other (such as the two offers), the blockchain can automatically generate an intelligent contract, and automatically complete the transaction according to the user ID character strings (ID addresses) of both transaction parties, and the both transaction parties store transaction information into respective user accounts so as to update the user accounts or public accounts at other nodes on the blockchain.
In this embodiment, the secure bank card has an identity recognition function, and in the transaction process and the cash withdrawal process, the identity of the user needs to be recognized by using a fingerprint recognition technology, so that the secure bank card is started, the security in the cash withdrawal process can be effectively ensured, and only a legal user of the secure bank card can withdraw cash by using the secure bank card.
As shown in fig. 4, the secure bank card 2 includes a fingerprint acquisition device 23, a fingerprint authentication controller 24 and a switch circuit module 25. The fingerprint acquisition device 23 is a fingerprint sensor for acquiring at least one verification fingerprint; the fingerprint authentication controller 24 is connected to the fingerprint acquisition device 23 for determining whether the user identity is legitimate. The fingerprint authentication controller 24 includes a fingerprint memory 241 and a fingerprint comparator 242, the fingerprint memory 241 is used for storing at least one user fingerprint; the fingerprint comparator 242 is respectively connected to the fingerprint acquisition device 23 and the fingerprint memory 241; the fingerprint verification device is used for comparing the verification fingerprint with the user fingerprint, and if the verification fingerprint is consistent with any user fingerprint, the identity of the user is judged to be legal; and if the verification fingerprint is not consistent with the fingerprint of each user, judging that the user identity is illegal. One end of the switch circuit module 25 is connected to the fingerprint authentication controller 24, and the other end thereof is connected to the NFC device 21, specifically, the switch circuit module is connected to the NFC controller 211, and the switch state thereof is changed according to whether the user identity is legal; if the user identity is legal, the switch circuit module 25 is closed; if the user identity is illegal, the switching circuit module 25 is turned off.
As shown in fig. 5, the money safe transaction system according to the embodiment further includes at least one ATM (automatic teller machine) 5 for performing cash withdrawal operation. An ATM (automatic teller machine) 5 includes a secure bank card slot 51 for inserting the secure bank card 2; also included is a data interface 52, which may be a USD data interface. When the secure bank card 2 is inserted into the secure bank card socket 51, the ATM 5 can perform read and write operations on the read and write section 26 in the secure bank card 2, similar to the normal bank card operation.
As shown in fig. 5, the money security transaction system of this embodiment further includes at least one authentication device 6 for verifying the authenticity of the user holding the secure bank card 2. The authentication device 6 includes: a processor 61; an ATM interface 62 having one end connected to the processor 61 and the other end connected to the secure bank card socket 51 in the ATM 5; and an NFC device 63 connected to the processor 61. The NFC device has the same structure as the NFC device in the secure bank card, and includes an NFC controller 631, an NFC security module 632, an NFC communication module 633 and an NFC antenna 634, where the NFC communication module 633 is connected to the NFC controller 631 through the NFC security module 632; the NFC antenna 634 is connected to the NFC communication module 633 so that the NFC apparatus can perform data exchange with other NFC apparatuses.
The authentication device 6 further includes: a camera 64 connected to the processor 61 for acquiring a real-time facial image of a user holding the secure bank card 2 and collecting real-time facial feature data of the user; an image memory 65 connected to the processor 61 for storing at least one face characteristic data of the user holding the secure bank card 2; and/or a second communication module 66, one end of which is connected to the processor 61, and the other end of which is connected to the cloud 3 through the ethernet 4, for obtaining standard facial feature data of at least one secure bank engagement user from the cloud; the processor 61 comprises a face identification module, which is used for comparing the real-time facial feature data of the user holding the secure bank card with the facial feature data of at least one user with the secure bank card-locking method, and if the real-time facial feature data of the user holding the secure bank card is matched with the facial feature data of the user with the secure bank card-locking method, judging the user as a legal user; if the two are not matched, the user is judged to be an illegal user. The second communication module 66 includes a wired communication module or a wireless communication module including a WIFI wireless communication module or a cellular communication module (3G/4G mobile communication module).
After fingerprint verification, the security bank card can be started and normally used, the identity verification device installed on the ATM compares the facial image of the user holding the security bank card with the facial image of the registered user stored in the cloud by using a face recognition technology, identifies the identity of the user again, and only when the user is confirmed to be a legal identity again, the identity verification device sends an electric signal to the ATM to activate the cash withdrawal function of the ATM, so that the user can utilize the security bank card to perform cash withdrawal operation. The embodiment also provides a currency safe transaction method, which effectively solves the technical problems of poor transaction safety, high payment and cash withdrawal risks and the like in the existing currency transaction system. The currency safe transaction method comprises the following steps:
step S1), at least two communication terminals are set and connected to a cloud end through an Ethernet, and at least two preset public accounts are stored in the cloud end; the public ledger comprises a user ID character string, a user transaction offer, an intelligent contract and a transaction record. The communication terminal may be a computer, a tablet computer, a smart phone, or the like, and the smart phone is preferred in this embodiment.
Step S2), initializing at least two safe bank cards, and storing at least one user account book to one safe bank card; the user account book comprises a user ID character string, user personal information, a user bank account, currency and balance information in the account and a user key. The secure bank card is improved by additionally arranging a communicable payment module on a magnetic stripe bank card or a chip bank card, and the payment module is preferably an NFC device in the embodiment.
Step S3) connects each secure bank card to a communication terminal wirelessly. The communication terminal and the safety bank card respectively comprise an NFC device, and the safety bank card and the communication terminal can realize data exchange through the NFC devices.
Step S4) connecting at least two communication terminals with each other through a cloud end to realize data exchange; a communication terminal and a safe bank card which are connected with each other form a block, a storage unit in which a public account book is stored at the cloud end forms a block, a plurality of blocks are mutually linked in a net shape to form a system block chain, and any two blocks are mutually linked through a programmable protocol. Any public account book or user account book is directly or indirectly linked to another public account book or user account book through a programmable protocol, all public account books and all user account books jointly form a netted distributed total account book to form a money transaction network, and any public account book or user account book is a node in the money transaction network. When a safe bank card is accessed to the currency transaction system block chain by using a communication terminal, the user personal information, the user bank account, the currency type in the account and the balance information stored in the safe bank card are stored into a public account book, and the public account book is converted into a user account book and stored into the safe bank card. And the communication terminal of the user issues the user account book in the currency transaction network, namely, the user account books in one block are sequentially sent and stored in the next block according to the principle of lowest communication cost. The sequential linking of each node in the block chain of the currency transaction system is realized by finding another node closest to the node from one node according to an algorithm combining a random principle and a proximity principle to realize communication, wherein the closest means that the two nodes are not closest in spatial distance, but the communication cost of the two nodes is lowest.
Step S5) any user issues at least one user transaction offer to the money transaction network through a communication terminal, and stores the user transaction offer to the user account book of the user. The user transaction offer comprises a user ID character string, a user bank account, a transaction exchange rate, currency to be transacted and transaction amount information. For example, a user in China may need to exchange 66875 yuan for $ 10000, which is a trade offer issued at a rate of 1: 6.6875; a user in the united states needs to exchange $ 10000 for 66875 yuan, which can also issue a trade offer at a rate of 1: 6.6875.
Step S6) the communication terminal of the user issues the user account book in the money transaction network, and stores the user transaction offer to all user account books and all public account books in the money transaction network.
Step S7), when the user transaction offers issued by any two or more users are matched with each other, the block chain automatically generates and executes an intelligent contract, automatically realizes the currency transaction, and saves the intelligent contract and the transaction record of the transaction to the user account book of the transaction party; and the communication terminal of the user of the transaction party issues the user account book in the money transaction network, and stores the intelligent contract and the transaction record into all the user account books and all public account books in the money transaction network. The matching of the user transaction offers issued by any more than two users means that the supply and demand relations of two parties or multiple parties in the transaction are exactly corresponding, and specifically means that the currency and the transaction amount of the user needing to be transacted in one user transaction offer issued by one user correspond to the currency and the transaction amount of the user needing to be transacted in at least one user transaction offer issued by another user or a plurality of users.
The method has the advantages that the public account book deployed in the cloud and the user account book of each user are combined to form a decentralized distributed account book, and all the account books are sequentially linked to form a block chain of the currency transaction system; the bank card and the communication terminal are combined to form a node on the blockchain, any two nodes can utilize the blockchain to realize remote currency transaction, and the transaction records are copied and stored on other nodes, the transaction records on all the nodes are digitally encrypted and cannot be tampered, and the authenticity and the safety of the transaction are jointly maintained. Any node user on the block chain can issue a currency transaction offer, when more than two currency transaction offers are matched, the system automatically forms an intelligent contract and automatically completes the transaction, so that a large amount of manual operations in a financial transaction flow can be reduced, and the transaction efficiency is effectively improved.
The currency secure transaction method of the embodiment may further include, after the above steps S1) -S7), a step S8) of withdrawing cash from an ATM using the secure bank card, which specifically includes the following steps.
Step S801) starting the secure bank card and the communication terminal. The step of starting the secure bank card specifically comprises the following steps: step S8011) at least one user fingerprint is stored in the secure bank card; step S8012) at least one verification fingerprint is acquired in real time; step S8013) the verification fingerprint is compared with the user fingerprint, if the verification fingerprint is matched with any user fingerprint, the user identity is judged to be legal, and the switch circuit module of the secure bank card is closed; and if the verification fingerprint is not matched with each user fingerprint, judging that the user identity is illegal, and disconnecting the switch circuit module of the secure bank card. Starting the communication terminal specifically means that the communication terminal is in a starting state, and application software serving as a currency safe transaction system client is opened.
Step S802) shooting a face image of at least one legal user by using the communication terminal, and extracting at least one face feature data from the face image as standard face feature data of the user.
Step S803) a communication terminal is used for uploading and storing the user account book and the standard facial feature data in the secure bank card to the cloud.
Step S804) connects an authentication device to an ATM whose cash withdrawal function is in a closed state.
Steps S801) -S804) are preset preparation work, and after the transaction network is established and each new user finishes registering, the photo of the user needs to be uploaded to the cloud as a standard image.
Step S805) inserting the secure bank card into the ATM, wherein the NFC device of the secure bank card and the NFC device of the identity verification device are in wireless connection with each other.
Step S806) the authentication equipment downloads the standard image of the user from the cloud according to an ID character string in the secure bank card.
Step S807) the identity authentication equipment acquires the real-time facial image of the user holding the secure bank card by using a camera and collects the real-time facial feature data of the user.
Step S808) the identity authentication equipment compares the real-time facial feature data of the user with the standard facial feature data of the bank snap-fit user, and activates the ATM cash-out function if the real-time facial feature data of the user is matched with the standard facial feature data of the bank snap-fit user; if the two do not match, the cash withdrawal function of the ATM maintains a closed state.
Step S809) the user uses the safety bank card to extract cash on the ATM.
Step S810) storing the currency and balance information in the bank account of the user to the secure bank card to update the user account book.
Step S811) the communication terminal uploads the updated user account book and stores the updated user account book in the cloud.
The method has the advantages that after currency transactions on the network are completed, a user can use the secure bank card to withdraw cash from the ATM, the ATM can be provided with the identity verification device, and the legality of the user identity can be verified through a fingerprint identification and face identification dual identity verification mode and a key input mode, so that the safety in the cash withdrawal process is ensured.
The foregoing is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present invention, and these modifications and decorations should also be regarded as the protection scope of the present invention.

Claims (16)

1. A monetary secure transaction system, comprising:
the system comprises at least two communication terminals, a cloud terminal and a server, wherein the at least two communication terminals are connected to the cloud terminal through an Ethernet, and at least two preset public accounts are stored in the cloud terminal;
at least two safe bank cards storing at least one user account book; each secure bank card is wirelessly connected to a communication terminal;
at least two communication terminals are connected with each other through a cloud end to realize data exchange; a communication terminal and a secure bank card which are connected with each other form a block, a storage unit in which a public account book is stored at the cloud end forms a block, a plurality of blocks are mutually linked in a net shape to form a system block chain, and any two blocks are mutually linked through a programmable protocol;
any public account book or user account book is directly or indirectly linked to another public account book or user account book through a programmable protocol, all public account books and all user account books jointly form a netlike distributed total account book to form a money transaction network, and any public account book or user account book is a node in the money transaction network;
any user issues at least one user transaction offer to the currency transaction network through a communication terminal, and the user transaction offer is stored in a user account book of the user;
the communication terminal of the user issues the user account book in the money transaction network, and stores the user transaction offer to all user account books and all public account books in the money transaction network;
when the user transaction offers issued by any more than two users are matched with each other, the block chain automatically generates and executes an intelligent contract, automatically realizes the currency transaction, and saves the intelligent contract and the transaction record of the transaction to a user account book of a transaction party;
and the communication terminal of the user of the transaction party issues the user account book in the money transaction network, and stores the intelligent contract and the transaction record into all the user account books and all public account books in the money transaction network.
2. The monetary secure transaction system of claim 1,
the user account book stores user ID character strings, user personal information, user bank accounts, currency and balance information in the accounts, user keys, user transaction offers, intelligent contracts and transaction records;
the public account book stores user ID character strings, user transaction offers, intelligent contracts and transaction records;
the user transaction offer comprises a user bank account, currency required to be transacted by the user and a transaction amount.
3. The monetary secure transaction system of claim 1,
the communication terminal comprises an NFC device and a first communication module;
the first communication module is connected to the cloud end through the Ethernet.
4. A monetary security transaction system according to claim 3,
the first communication module comprises a wired communication module or a wireless communication module, and the wireless communication module comprises a WIFI communication module or a cellular communication module.
5. The monetary secure transaction system of claim 1,
the secure bank card comprises an NFC device and a memory, and the memory is used for storing at least one user account book.
6. The monetary secure transaction system of claim 5,
the secure bank card includes:
the fingerprint acquisition device is used for acquiring at least one verification fingerprint;
the fingerprint authentication controller is connected to the fingerprint acquisition device and is used for judging whether the identity of the user is legal or not;
it includes:
a fingerprint memory for storing at least one user fingerprint; and
the fingerprint comparator is respectively connected to the fingerprint acquisition device and the fingerprint memory;
the fingerprint verification device is used for comparing the verification fingerprint with the user fingerprint, and if the verification fingerprint is consistent with any user fingerprint, the identity of the user is judged to be legal;
if the verification fingerprint is inconsistent with each user fingerprint, judging that the user identity is illegal;
one end of the switch circuit module is connected to the fingerprint authentication controller, the other end of the switch circuit module is connected to the NFC device, and the switch state of the switch circuit module is changed according to whether the user identity is legal or not;
if the user identity is legal, the switch circuit module is closed;
and if the user identity is illegal, the switch circuit module is disconnected.
7. A monetary security transaction system according to claim 1 further including: at least one ATM; and
at least one identity verification device for verifying the authenticity of the user identity holding the secure bank card;
the authentication apparatus includes:
a processor;
an ATM interface having one end connected to said processor and the other end connected to said ATM; and
an NFC device connected to the processor.
8. The monetary secure transaction system of claim 7, wherein the authentication device further comprises:
the camera is connected to the processor and used for acquiring a real-time facial image of a user holding the secure bank card and acquiring real-time facial feature data of the user;
the image memory is connected to the processor and used for storing at least one face characteristic data of the user holding the secure bank card; and/or
One end of the second communication module is connected to the processor, and the other end of the second communication module is connected to the cloud end and used for acquiring standard facial feature data of at least one secure bank clamping method user from the cloud end;
the processor comprises a face identification module, a face identification module and a face identification module, wherein the face identification module is used for comparing real-time facial feature data of a user holding the secure bank card with standard facial feature data of at least one user with the secure bank clamping method, and if the real-time facial feature data of the user holding the secure bank card are matched with the standard facial feature data of the user with the secure bank clamping method, the user is judged to be a legal user;
if the two are not matched, the user is judged to be an illegal user.
9. The monetary secure transaction system of claim 8,
the second communication module comprises a wired communication module or a wireless communication module, and the wireless communication module comprises a WIFI wireless communication module or a cellular communication module.
10. The monetary secure transaction system of any of claims 3-7, wherein the NFC device includes:
an NFC controller;
an NFC security module connected to the NFC controller;
an NFC communication module connected to the NFC security module; and
and the NFC antenna is connected to the NFC communication module.
11. A method of secure monetary transactions comprising the steps of:
the method comprises the steps that at least two communication terminals are arranged and connected to a cloud end through an Ethernet, and at least two preset public accounts are stored in the cloud end;
the public account book comprises a user ID character string, a user transaction offer, an intelligent contract and a transaction record;
initializing at least two secure bank cards, and storing at least one user account book to one secure bank card;
the user account book comprises a user ID character string, user personal information, a user bank account, currency and balance information in the account and a user key;
wirelessly connecting each secure bank card to a communication terminal;
connecting at least two communication terminals with each other through a cloud end to realize data exchange; a communication terminal and a secure bank card which are connected with each other form a block, a storage unit in which a public account book is stored at the cloud end forms a block, a plurality of blocks are mutually linked in a net shape to form a system block chain, and any two blocks are mutually linked through a programmable protocol;
any public account book or user account book is directly or indirectly linked to another public account book or user account book through a programmable protocol, all public account books and all user account books jointly form a netlike distributed total account book to form a money transaction network, and any public account book or user account book is a node in the money transaction network;
any user issues at least one user transaction offer to the currency transaction network through a communication terminal, and the user transaction offer is stored in a user account book of the user;
the user transaction offer comprises a user ID character string, a user bank account, a transaction exchange rate, a currency to be transacted and transaction amount information;
the communication terminal of the user issues the user account book in the money transaction network, and stores the user transaction offer to all user account books and all public account books in the money transaction network;
when the user transaction offers issued by any more than two users are matched with each other, the block chain automatically generates and executes an intelligent contract, automatically realizes the currency transaction, and stores the intelligent contract and the transaction record of the transaction to a user account book of a transaction party;
and the communication terminal of the user of the transaction party issues the user account book in the money transaction network, and stores the intelligent contract and the transaction record into all the user account books and all public account books in the money transaction network.
12. A monetary security transaction method according to claim 11,
when a safe bank card accesses a currency transaction system block chain by using a communication terminal, storing user personal information, a user bank account, currency types in the account and balance information stored in the safe bank card into a public account book, converting the public account book into a user account book, and storing the user account book into the safe bank card.
13. A monetary security transaction method according to claim 11,
and the communication terminal of the user issues the user account book in the currency transaction network, namely, the user account books in one block are sequentially sent and stored in the next block according to the principle of lowest communication cost.
14. A monetary security transaction method according to claim 11,
the currency secure transaction method further comprises the step of withdrawing cash from an ATM by using the secure bank card, and specifically comprises the following steps:
starting the secure bank card and the communication terminal;
shooting a face image of at least one legal user by using a communication terminal, and extracting at least one face feature data from the face image as standard face feature data of the user;
uploading the user account book and the standard facial feature data in the secure bank card to a cloud by using a communication terminal;
connecting an authentication device to an ATM, the cash-out function of the ATM being in a closed state;
inserting the secure bank card into the ATM, wherein the NFC device of the secure bank card and the NFC device of the identity verification device are wirelessly connected with each other;
the identity authentication equipment downloads a standard image of the user from a cloud according to an ID character string in the secure bank card;
the identity authentication equipment acquires a real-time facial image of a user holding the secure bank card by using a camera and acquires real-time facial feature data of the user;
the identity authentication equipment compares the real-time facial feature data of the user with the standard facial feature data of the bank snap-in user, and activates the ATM cash-out function if the real-time facial feature data of the user is matched with the standard facial feature data of the bank snap-in user;
if the two are not matched, the cash withdrawal function of the ATM maintains a closed state;
the user uses the secure bank card to extract cash on the ATM;
storing currency and balance information in a user bank account into the secure bank card to update the user account book; and
and the communication terminal uploads and stores the updated user account book to the cloud.
15. A monetary security transaction method according to claim 11,
starting the secure bank card specifically comprises the following steps:
storing at least one user fingerprint in the secure bank card;
acquiring at least one verification fingerprint in real time;
comparing the verification fingerprint with the user fingerprint, if the verification fingerprint is matched with any user fingerprint, judging that the user identity is legal, and closing a switch circuit module of the secure bank card;
and if the verification fingerprint is not matched with each user fingerprint, judging that the user identity is illegal, and disconnecting the switch circuit module of the secure bank card.
16. A monetary security transaction method according to claim 11,
the matching of the user transaction offers issued by any more than two users means that the currency and the transaction amount of the user needing transaction in one user transaction offer issued by one user correspond to the currency and the transaction amount of the user needing transaction in at least one user transaction offer issued by another or a plurality of users.
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