CN108389042B

CN108389042B - Method and device for realizing auxiliary fee settlement by intelligent mobile phone

Info

Publication number: CN108389042B
Application number: CN201810142293.5A
Authority: CN
Inventors: 吴满原; 张伟; 郭成; 沈海寅; 季申; 翟翌华
Original assignee: Zhicheauto Technology Beijing Co ltd; Shenzhen Turing Singularity Intelligent Technology Co ltd
Current assignee: Zhicheauto Technology Beijing Co ltd; Shenzhen Turing Singularity Intelligent Technology Co ltd
Priority date: 2018-02-11
Filing date: 2018-02-11
Publication date: 2021-06-11
Anticipated expiration: 2038-02-11
Also published as: CN108389042A

Abstract

The application discloses a method and a device for realizing wireless communication-based auxiliary fee settlement by an intelligent mobile phone, wherein a phone security unit is arranged in the intelligent mobile phone, and the method comprises the following steps: identifying other settling parties and acquiring expense settlement information to be signed with the other settling parties; providing the charge settlement information to be signed to the telephone security unit so as to carry out digital signature processing on the charge settlement information to be signed by the telephone security unit by using a private key stored in the telephone security unit, wherein the private key comprises: a block chain account private key; the fee settlement information after the digital signature processing output by the telephone security unit is transmitted in a wireless communication mode, so that each settlement party and the block chain network side can obtain the fee settlement information digitally signed by all settlement parties; the fee settlement information digitally signed by all the settlers is used for executing fee deduction operation on the block chain network side. The technical scheme provided by the application is favorable for improving the automation degree of expense settlement.

Description

Method and device for realizing auxiliary fee settlement by intelligent mobile phone

Technical Field

The application relates to the technology of the Internet of things, in particular to a wireless communication auxiliary expense settlement method implemented by an intelligent mobile phone, a wireless communication auxiliary expense settlement device implemented by the intelligent mobile phone and the intelligent mobile phone.

Background

Smart mobile phones have become an important component of many users' daily tasks and recreational lives. The user can use the intelligent mobile phone to realize functions of instant messaging, payment and the like at any time.

With the gradual development of the internet of things, the smart mobile phone can also become a terminal node in the internet of things, and as the terminal node in the internet of things, how to make the mobile smart phone bring richer use experience for users through the internet of things is a technical problem worthy of attention.

Disclosure of Invention

The present application is proposed in view of the above technical problems, so as to provide a method and an apparatus for wireless communication-assisted charge settlement implemented by a smart mobile phone, and a smart mobile phone, which overcome or at least partially solve the above problems.

According to one aspect of the present application, there is provided a method for wireless communication-assisted fee settlement implemented by a smart mobile phone, wherein a phone security unit is provided in the smart mobile phone, the method comprising the steps of: identifying other settling parties and acquiring expense settlement information to be signed with the other settling parties; providing the expense settlement information to be signed to a telephone security unit so as to carry out digital signature processing on the expense settlement information to be signed by the telephone security unit by using a private key stored in the telephone security unit, wherein the private key comprises: a block chain account private key; the fee settlement information after the digital signature processing output by the telephone security unit is transmitted in a wireless communication mode, so that each settlement party and the block chain network side can obtain the fee settlement information digitally signed by all settlement parties; the fee settlement information digitally signed by all the settlers is used for executing fee deduction operation on the block chain network side.

Optionally, the acquiring settlement information of the fee to be signed with other settlement parties includes: a settlement fee bill generated by the smart mobile phone; or, the bill for settlement cost is generated by other settlement parties and transmitted in a near field communication mode or a wireless communication network mode; or, the bill for the settlement fee is generated by other settlement parties and transmitted to the blockchain network side in a wireless communication network mode, and the bill for the settlement fee is transmitted from the blockchain network side in the wireless communication network mode.

Optionally, the acquiring settlement information of the fee to be signed with other settlement parties includes: and under the condition that a generation expense settlement information instruction input to the intelligent mobile phone by the user is received, generating a settlement expense bill according to the settlement basic information locally stored in the intelligent mobile phone.

Optionally, the transmitting the fee settlement information after the digital signature processing output by the telephone security unit in a wireless communication manner, so that each settlement party and the block chain network side obtain the fee settlement information digitally signed by all settlement parties includes: generating a settlement application according to the settlement expense bill after digital signature processing output by the telephone security unit, transmitting the settlement application to a block chain network side in a wireless communication network mode, and sending a bill confirmation application to other settlers through the block chain network side according to the settlement application so that the other settlers perform digital signature processing on the settlement expense bill in the bill confirmation application; and receiving a settlement notice transmitted from the network side of the block chain, and acquiring a settlement expense bill digitally signed by all settlement parties from the settlement notice.

Optionally, the acquiring settlement information of the fee to be signed with other settlement parties includes: when a bill confirmation application sent by a block chain network side according to a settlement expense bill in a settlement application from other settlers is received, acquiring a settlement expense bill from the bill confirmation application; and the step of providing the to-be-signed expense settlement information to a telephone security unit so that the telephone security unit performs digital signature processing on the to-be-signed expense settlement information by using a private key stored in the telephone security unit comprises the following steps: and providing the settlement expense bill to a telephone security unit, carrying out signature verification on the settlement expense bill by using the public key of the block chain account of other settlement parties by the telephone security unit, and carrying out digital signature processing on the settlement expense bill passing the signature verification by using a stored private key after the signature verification passes.

Optionally, the transmitting the fee settlement information after the digital signature processing output by the telephone security unit in a wireless communication manner, so that each settlement party and the block chain network side obtain the fee settlement information digitally signed by all settlement parties includes: according to the settlement expense bill processed by the digital signature output by the telephone security unit, a bill confirmation response is transmitted to the block chain network side in a wireless communication network mode, so that the settlement expense bill digitally signed by all the settlement parties is sent to other settlement parties through the block chain network side.

Optionally, the acquiring settlement information of the fee to be signed with other settlement parties includes: in the case of receiving a bill confirmation application transmitted to the smart mobile phone by the other settlement party based on the generated settlement fee bill, acquiring a settlement fee bill from the bill confirmation application; and the step of providing the to-be-signed expense settlement information to a telephone security unit so that the telephone security unit performs digital signature processing on the to-be-signed expense settlement information by using a private key stored in the telephone security unit comprises the following steps: and providing the settlement expense bill to a telephone security unit, carrying out signature verification on the settlement expense bill by using the public key of the block chain account of other settlement parties by the telephone security unit, and carrying out digital signature processing on the settlement expense bill passing the signature verification by using a stored private key after the signature verification passes.

Optionally, the transmitting the fee settlement information after the digital signature processing output by the telephone security unit in a wireless communication manner, so that each settlement party and the block chain network side obtain the fee settlement information digitally signed by all settlement parties includes: according to the settlement expense bill processed by the digital signature output by the telephone security unit, a bill confirmation response is transmitted to other settlement parties in a near field communication mode or a wireless communication network mode, so that the other settlement parties can obtain the settlement expense bill digitally signed by all settlement parties, and a settlement application containing the settlement expense bill digitally signed by all settlement parties is transmitted to a block chain network side through the other settlement parties.

Optionally, before acquiring the settlement information of the fee to be signed with other settlement parties, the method further includes: the intelligent mobile phone negotiates a secret key used for encrypting information interacted between the settlement parties with other settlement parties in a near field communication mode or a wireless communication network mode.

Optionally, the method further includes: acquiring a block chain contract to be signed; providing the block chain contract to be signed to a telephone security unit, and carrying out digital signature processing on the block chain contract to be signed by the telephone security unit by using a block chain account number private key stored by the telephone security unit; transmitting the block chain contract processed by the digital signature output by the telephone security unit in a wireless communication mode so that each block chain contract party obtains the block chain contract digitally signed by all block chain contract parties; wherein the block chaining contract is for charging the fee.

According to another aspect of the present application, there is provided an apparatus for wireless communication-assisted fee settlement implemented by a smart mobile phone having a phone security unit disposed therein, the apparatus mainly comprising: the acquisition module is used for identifying other settling parties and acquiring the expense settlement information to be signed with other settling parties; the processing module is used for providing the expense settlement information to be signed to a telephone security unit so that the telephone security unit can carry out digital signature processing on the expense settlement information to be signed by using a private key stored in the telephone security unit, wherein the private key comprises: a block chain account private key; the transmission module is used for transmitting the expense settlement information which is output by the telephone security unit and is subjected to digital signature processing in a wireless communication mode so that all settlement parties and the block chain network side can obtain the expense settlement information which is subjected to digital signatures of all settlement parties; the fee settlement information digitally signed by all the settlers is used for executing fee deduction operation on the block chain network side.

According to still another aspect of the present application, there is provided a smart mobile phone including: a telephone security unit; the device for assisting the settlement of the fee based on the wireless communication, which is realized by the intelligent mobile phone according to the embodiment of the application; the telephone security unit is used for carrying out digital signature processing on the expense settlement information to be signed provided by the device by using the private key of the block chain account number stored by the telephone security unit.

The method and the device for realizing the settlement based on the wireless communication auxiliary expense by the intelligent mobile phone and the intelligent mobile phone at least have the following advantages and beneficial effects: according to the method and the system, the telephone security unit is arranged in the intelligent mobile phone, and the telephone security unit can perform digital signature processing on the expense settlement information by using the block chain account number private key stored in the telephone security unit, so that the reliability of the expense settlement information is guaranteed; the settlement information after the digital signature processing is transmitted in a wireless communication mode, so that all settlement parties and the blockchain network side can obtain the settlement information digitally signed by all settlement parties, and the blockchain network side can execute corresponding deduction operation according to the settlement information digitally signed by all settlement parties, so that the settlement of the expenses can be safely and quickly realized by using an intelligent mobile phone serving as a terminal node of the Internet of things and the corresponding settlement parties without human participation, and the inconvenience in the settlement process can be avoided to a certain extent; therefore, the technical scheme provided by the application is beneficial to improving the automation degree of expense settlement.

The foregoing description is only an overview of the technical solutions of the present application, and the present application can be implemented according to the content of the description in order to make the technical means of the present application more clearly understood, and the following detailed description of the present application is given in order to make the above and other objects, features, and advantages of the present application more clearly understandable.

Drawings

Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings of the embodiments of the present application are only for the purpose of illustrating the preferred embodiments and are not to be construed as limiting the application. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:

FIG. 1 is a flowchart of an embodiment of a method for wireless communication assisted fee settlement based on a smart phone according to the present application;

FIG. 2 is a timing diagram illustrating an embodiment of a method for wireless communication assisted fee settlement based on a smart phone according to the present application;

FIG. 3 is a timing diagram illustrating another embodiment of a method for wireless communication assisted fee settlement based on a smart phone according to the present application;

FIG. 4 is a timing diagram illustrating a method for wireless communication assisted fee settlement based on a smart phone according to another embodiment of the present invention;

fig. 5 is a flowchart of an embodiment of a procedure for signing a block link contract in the method for wireless communication assisted charge settlement based on a smart mobile phone according to the present application;

fig. 6 is a timing diagram illustrating an embodiment of a procedure for signing a block link contract in the method for wireless communication-assisted charge settlement based on a smart mobile phone according to the present application;

fig. 7 is a timing diagram illustrating another embodiment of a procedure for signing a block link contract in the method for wireless communication-assisted charge settlement based on a smart mobile phone according to the present application;

fig. 8 is a timing diagram illustrating a block chain contract signing process according to still another embodiment of the method for wireless communication-assisted charge settlement based on a smart phone according to the present application;

FIG. 9 is a schematic diagram illustrating an embodiment of a device for wireless communication assisted charge settlement based on a smart phone according to the present application;

fig. 10 is a schematic diagram of an embodiment of a smart mobile phone provided with a device for wireless communication assisted charge settlement based implemented by the smart mobile phone according to an embodiment of the present application.

Detailed Description

Exemplary embodiments disclosed in the present application will be described in more detail below with reference to the accompanying drawings. While the exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

The method for wireless communication-based assisted charge settlement implemented by a smart mobile phone according to the embodiment of the present application is generally performed in a smart mobile phone equipped with a phone security unit. The phone security unit may specifically be an existing SE (Secure Element) that conforms to the corresponding mobile payment specification, and the like, and the phone security unit in the present application may be implemented in a manner of combining software and hardware. The present application is not limited to the particular representation of the telephone security unit. In the present application, the phone security unit is implemented by combining software and hardware, and the phone security unit is usually disposed inside the smart mobile phone in a manner that is not easily detached. Alternatively, the phone security unit may be integrated with an NFC module or a bluetooth module in the smart mobile phone.

The method of the embodiment of the application can be executed in various settlement application scenes. The application does not limit the application scenario to which the method is applicable. The flow of the method of the embodiment of the application is shown in fig. 1. The method shown in fig. 1 comprises: step S100, step S110, and step S120. The steps included in the method of the embodiments of the present application are described in detail below.

In fig. 1, S100, other settling parties are identified, and settlement information of fees to be signed with the other settling parties is acquired.

In an optional example, the smart mobile phone in the present application may obtain, through information interaction with other terminal nodes in the internet of things when detecting other terminal nodes in the internet of things within an effective communication distance of near field communication, a relevant identifier of the terminal node (for example, a public key of a block chain account of the terminal node, and then, a public key of a block chain account of the terminal node, a name of the terminal node, and the like, which are not described in the following paragraphs one by one), so as to identify the other terminal nodes, and when a user needs to sign fee settlement information with the other terminal nodes, the currently identified other terminal nodes become other settlement parties of the fee settlement information to be signed.

In an alternative example, the application may acquire the fee settlement information to be signed in a plurality of ways. Three specific examples are described below.

In a first alternative example, the user actively initiates the process of settling the fee via a smart mobile phone. Specifically, a user can send an instruction for generating a settlement cost bill to the smart mobile phone through an input element (such as a touch screen or a key) of the smart mobile phone, the smart mobile phone actively generates the settlement cost bill according to locally stored settlement basic information after receiving the instruction for generating the settlement cost bill input by the user, and the settlement cost bill generated by the smart mobile phone is the cost settlement information to be signed. The settlement basis information in this alternative example generally refers to the basis data for generating a bill for settlement fees. The contents specifically included in the settlement basic information may be determined according to the contents included in the bill for settlement fees. The settlement basic information may specifically include contents in a block chain contract that has been successfully signed between the smart mobile phone and other settlement parties. This is not a limitation of the present application.

The bill for settlement fees to be signed in of the present application may include: the identifier of the smart mobile phone (e.g., the public key of the block chain account number of the smart mobile phone, and further, the public key of the block chain account number of the smart mobile phone and the phone number, which are not listed below), the identifier of the other settlement party (e.g., the public key of the block chain account number of the other settlement party, and further, the public key of the block chain account number of the other settlement party and the name of the other settlement party), the name of the settlement target, the charging method of the settlement target, the total charging price of the settlement target, and the like. In addition, the bill for settlement fee to be signed may further include: bank account information of the user, etc. Part of the contents (for example, the other settling party identifier, the name of the settlement target, the charging method of the settlement target, etc.) in the settlement basic information for generating the settlement fee bill may be obtained and stored by the smart mobile phone through information interaction with the other settling party by means of a near field communication method or a wireless communication network. The specific implementation mode of obtaining and storing settlement basic information by the intelligent mobile phone is not limited by the application.

In addition, the intelligent mobile phone can adopt a secret key to encrypt the interactive information in the process of information interaction with other settlement parties so as to ensure the security of the interactive information. In this example, the settlement fee bill generated by the smart mobile phone can be displayed to the user, so that the user can check the content in the settlement fee bill, and the settlement fee bill which is checked by the user can be used as the fee settlement information to be signed.

As a second alternative example, after the other settling party actively generates the settlement expense bill, the other settling party performs digital signature processing on the settlement expense bill by using its private key (e.g. the private key of the block chain account of the other settling party) (the digital signature processing operation can be performed by the security unit in the other settling party), the other settling party forms a settlement application (the settlement application includes the digital signature information of the other settling party and the settlement expense bill itself) according to the settlement expense bill after the digital signature processing, the other settling party uses the wireless communication network to transmit the settlement application to the block chain network side, the block chain network side can perform signature verification on the settlement expense bill in the settlement application by using the corresponding public key (e.g. the public key of the block chain account of the other settling party), and after the signature verification is passed, the block chain network side generates a bill confirmation application (the settlement expense bill confirmation application includes the digital signature information of the other settling party) according to the settlement expense bill And settling the expense bill itself), and sending a bill confirmation application to the corresponding intelligent mobile phone by adopting a wireless communication network mode, so that the corresponding intelligent mobile phone can acquire the expense settlement information to be signed from the bill confirmation application transmitted from the block chain network side.

It should be noted that, in the second alternative example, the blockchain network side may not perform signature verification processing, but directly form a bill confirmation application according to the settlement expense bill after digital signature processing in the settlement application, and send the bill confirmation application to the smart phone by using the wireless communication network.

In a third alternative example, after the other settling party actively generates the settlement expense bill, the other settling party performs digital signature processing on the settlement expense bill by using a private key thereof (such as a block chain account private key of the other settling party), and forms a bill confirmation application according to the settlement expense bill after the digital signature processing (the bill confirmation application includes digital signature information of the other settling party and the settlement expense bill itself), and the other settling party transmits the bill confirmation application to the corresponding smart mobile phone by using a near field communication manner or a wireless communication network manner, so that the corresponding smart mobile phone can acquire the expense settlement information to be signed from the bill confirmation application transmitted by the other settling party.

And S110, providing the charge settlement information to be signed to the telephone security unit, and carrying out digital signature processing on the charge settlement information to be signed by the telephone security unit by using the stored private key.

In an alternative example, the private key stored by the phone security unit of the present application may be a blockchain account private key, which may be referred to as a blockchain account private key of a smart mobile phone. The blockchain account private key may be a blockchain account private key of a user to which the smart mobile phone belongs. The user's blockchain account private key and public key together can characterize the user's blockchain account. The blockchain account private key is typically not readable from the phone security unit and typically cannot be copied. The user's blockchain account may be associated with a user's bank account or an account of the user on a third-party payment platform, so that when the user's blockchain account is used to settle a fee, a fee deduction operation for the user's bank account or the user's account on the third-party payment platform may be triggered. Certainly, when the user's blockchain account is used to perform the fee settlement, it is also completely feasible that the fee deduction operation is performed on the user's blockchain account without triggering the bank account of the user or the account of the user on the third party payment platform. The user's blockchain account number in the present application may also be referred to as a user's blockchain smart account book account number, etc. Optionally, the user's blockchain account number may be a subchain account number under a main blockchain account number of other settlement parties, and a token may be stored in the user's blockchain account number.

Continuing with the first optional example in S100 above, the smart mobile phone may directly provide the generated settlement cost bill to the phone security unit, so that the phone security unit may perform digital signature processing on the settlement cost bill to be signed by using the stored private key of the block chain account.

Continuing with the second or third optional example in S100, the smart mobile phone may provide the accounting bill after being digitally signed by the other settling party in the bill confirmation application received by the smart mobile phone to the phone security unit, so that the phone security unit performs signature verification on the accounting bill by using the block chain account public key of the other settling party, and after the signature verification is passed, the phone security unit performs digital signature processing on the accounting bill by using the block chain account private key stored by the phone security unit. Of course, the operation of the signature verification process described above may also be performed by other components in the smart mobile phone than the phone security unit.

In addition, the settlement bill after the signature verification is passed can be displayed to the user by the intelligent mobile phone, so that the content in the settlement bill can be checked by the user, and after the content is checked by the user to be correct, the digital signature processing is carried out by the telephone security unit in the intelligent mobile phone.

In an alternative example, one specific way for the telephone security unit to digitally sign the bill for settlement cost to be signed by using the private key of the block chain account number stored in the telephone security unit is as follows: the telephone security unit acquires the summary information of the bill of the settlement cost and uses the private key of the block chain account number stored in the telephone security unit to perform corresponding calculation processing on the summary information so as to form digital signature information of the bill of the settlement cost. In addition, the telephone security unit may encrypt the invoice and/or the digitally signed information it generates using the symmetric key. The telephone security unit may obtain digest information of the bill for the settlement fee encrypted with the symmetric key to form digitally signed information. Also, the telephone security unit may obtain the summary information along with other information (e.g., other information in the message, etc.) for the bill for the settlement fee to form the digitally signed information. The method and the device do not limit the specific implementation mode that the telephone security unit carries out digital signature processing on the bill of the settlement cost to be signed by using the private key of the block chain account.

In an alternative example, a specific implementation manner of the telephone security unit for performing signature verification on the accounting bill by using the public key of the block chain account of the other settling party is as follows: the telephone security unit decrypts the digital signature information of other settling parties by using the public keys of the block chain accounts of other settling parties so as to obtain the summary information generated by other settling parties, then the telephone security unit generates the summary information based on the settlement expense bill and compares the generated summary information with the summary information generated by other settling parties, if the two are consistent, the signature verification is passed, otherwise, the signature verification fails. In addition, in the case where other parties generate summary information for the bill for the settlement fee together with other information (e.g., other information in the message), the telephone security unit should also generate summary information for the bill for the settlement fee together with other information (e.g., other information in the message). In the case where the settlement fee bill is the encrypted settlement fee bill, the telephone security unit may decrypt the settlement fee bill using the stored symmetric key, thereby obtaining the settlement fee bill. The present application does not limit the specific implementation of the signature verification process by the telephony security unit. In addition, if the digital signature information in the bill confirmation application is the encrypted digital signature information, the telephone security unit may decrypt the digital signature information by using the symmetric key, and then perform decryption by using the public key of the block chain account of the other settlement party, so as to obtain the digest information generated by the other settlement party, and the decryption operation performed by the telephone security unit by using the symmetric key is related to the setting in the actual application, which is not limited in this application.

In an alternative example, the key used for the encryption and decryption process may be a key obtained by the smart mobile phone through negotiation with other settlement parties.

A specific example of obtaining the key through negotiation may be: the phone security unit in the smart mobile phone generates a key, the phone security unit encrypts the key by using the public key of the block chain account of other settling parties, the smart mobile phone transmits the encrypted key output by the phone security unit to other settling parties by a near field communication method or a wireless communication network method, for example, the smart mobile phone generates a key negotiation request by using the encrypted key and transmits the key negotiation request to other settling parties by a near field communication method or a wireless communication network method, the other settling parties decrypt the key in the key negotiation request by using the private key of the block chain account of the other settling parties after receiving the key negotiation request (for example, the security unit of the other settling party decrypts the key in the key negotiation request by using the private key of the block chain account stored by the other settling parties), so as to obtain the key by the other settling parties, and storing the key, and in addition, other settling parties can also send key negotiation confirmation to the intelligent mobile phone in a near field communication mode or a wireless communication network mode, wherein the information in the key negotiation confirmation can be the information after other settling parties carry out encryption processing by using the key.

Another specific example of obtaining a key through negotiation may be: the intelligent mobile phone receives the encrypted key transmitted by other settling parties through a near field communication mode or a wireless communication network mode, for example, the other settling parties generate the key, the key is encrypted by using a public key of a block chain account number of the intelligent mobile phone, then, the encrypted key is used for forming a key negotiation request, and the other settling parties send the key negotiation request to the intelligent mobile phone through the near field communication mode or the wireless communication network mode; the intelligent mobile phone provides the encrypted key in the received key negotiation request to the phone security unit, the phone security unit decrypts the encrypted key by using the stored block chain account private key of the intelligent mobile phone, so that the intelligent mobile phone obtains the key, the phone security unit locally stores the key, the intelligent mobile phone can return key negotiation confirmation to other settlement parties, and the information in the key negotiation confirmation can be the information encrypted by the phone security unit by using the key.

The application does not limit the specific implementation manner of obtaining and storing the key by the smart mobile phone and other settlement parties through the key agreement manner. Optionally, the key negotiated by the two parties may be transmitted to the blockchain network side by one of the parties.

And S120, transmitting the charge settlement information after the digital signature processing output by the telephone security unit in a wireless communication mode so that each settlement party and the block chain network side can obtain the charge settlement information digitally signed by all settlement parties.

In an alternative example, each of the settling parties in the present application generally refers to the party that collects the fee (e.g., other settling parties) and the party that pays the fee (i.e., the smart mobile phone). The digitally signed and processed charge settlement information output by the telephone security unit may be referred to as charge settlement information with digitally signed information.

Under the condition that a user initiatively initiates settlement cost through the intelligent mobile phone (for example, the intelligent mobile phone receives a cost settlement instruction input by the user), the settlement application can be generated according to a settlement cost bill processed by a digital signature output by the phone security unit, and the settlement application is transmitted to the block chain network side in a wireless communication network mode. After receiving the settlement application from the smart phone, the blockchain network side may perform bill confirmation processing with other settlement parties by using the settlement expense bill in the settlement application, for example, the blockchain network side sends a bill confirmation application carrying the settlement expense bill and the digital signature information of the smart phone to other settlement parties, and after receiving the bill confirmation application, the other settlement parties perform signature verification on the settlement expense bill in the bill confirmation application by using the blockchain account public key of the smart phone, and after passing the signature verification, perform digital signature processing on the settlement expense bill by using the blockchain account private key of the other settlement parties, and return a bill confirmation response carrying the settlement expense bills digitally signed by both parties to the blockchain network side. After receiving the bill confirmation response, the blockchain network side may perform signature verification on the settlement expense bill by using the blockchain account public key of the other settlement party, and perform a corresponding fee deduction operation when the signature verification passes, for example, deducting a corresponding number of tokens from the blockchain account of the user by the blockchain network side; for another example, the blockchain network sends a deduction application to a bank account or a third party payment account associated with the blockchain account of the user. In addition, after the block chain network side successfully executes the fee deduction operation, a successful settlement notification can be sent to the intelligent mobile phone, other settlement parties and the like.

Under the condition that other settlement parties initiatively initiate settlement fees and the smart mobile phone receives a bill confirmation application from the blockchain network side, the bill confirmation application can form a bill confirmation response according to the settlement fee bill processed by the digital signature output by the phone security unit and send the bill confirmation response to the blockchain network side in a wireless communication network mode. After receiving the bill confirmation response from the smart mobile phone, the blockchain network side may perform signature verification on the settlement expense bill by using the blockchain account public key of the smart mobile phone, and perform corresponding fee deduction operation when the signature verification passes, for example, the blockchain network side deducts a corresponding number of tokens from the blockchain account of the user; for another example, the blockchain network sends a deduction application to a bank account or a third party payment account associated with the blockchain account of the user. In addition, the blockchain network side can send a successful settlement notification to the intelligent mobile phone and other settlement parties after the deduction operation is successfully executed.

When other settling parties initiatively initiate the settlement cost and the smart mobile phone receives a bill confirmation application from other settling parties, the bill confirmation response can be formed according to the settlement cost bill processed by the digital signature output by the phone security unit, and the bill confirmation response is sent to other settling parties in a near field communication mode or a wireless communication network mode. After receiving the bill confirmation response from the smart mobile phone, the other settling parties can utilize the public key of the block chain account number of the smart mobile phone to carry out signature verification on the bill of the settlement cost, and under the condition that the signature verification is passed, the other settling parties form a settlement application according to the bill of the settlement cost processed by the digital signatures of the two parties, and send the settlement application to the block chain network side in a wireless communication network mode. After receiving the settlement application, the blockchain network side performs signature verification on the settlement expense bill in the settlement application by using the blockchain account public keys of other settlers or the blockchain account public keys of both parties, and after the signature verification is passed, the blockchain network side performs corresponding fee deduction operation, for example, the blockchain network side deducts a corresponding number of tokens from the blockchain account of the user; for another example, the blockchain network sends a deduction application to a bank account or a third party payment account associated with the blockchain account of the user. After the deduction operation is successfully carried out on the blockchain network side, a successful settlement notification can be sent to the intelligent mobile phone and other settlement parties.

It should be noted that, the information in the above-mentioned settlement application, bill confirmation request, bill confirmation response, and the like may be encrypted information to ensure the security of information transmission. The content of the settlement application, the bill confirmation request and the bill confirmation response that needs to be encrypted can be determined according to the actual application (such as encryption for the settlement fee bill itself or encryption for the digital signature information, etc.), and the application is not limited to this. Encryption, decryption, digital signature and signature verification processes in a smart phone are typically performed by a phone security unit, although this application does not exclude the possibility that encryption, decryption and signature verification processes are performed by other components in the smart phone.

It is to be noted that in the case of a key generated by a smart mobile phone, the key is typically generated by a phone security unit in the smart mobile phone, which cannot typically be read out from the phone security unit. In addition, the key obtained from each negotiation is typically not the same.

In addition, under the condition that a user needs to perform transfer processing to other terminal nodes in the blockchain network through the intelligent mobile phone, after receiving a transfer instruction of the user, the intelligent mobile phone in the application can provide transfer information (such as transfer amount, receiving transfer party identification and the like) to the telephone security unit, and the telephone security unit performs digital signature processing on the transfer information by using a blockchain private key stored by the telephone security unit, of course, the telephone security unit can also perform encryption processing on the transfer information by using a secret key first and then perform digital signature processing. The transfer information after the digital signature processing output by the telephone safety unit can be transmitted to the block chain network side in a wireless communication mode, so that the block chain network side executes corresponding fee deduction operation after signature verification is carried out on the received transfer information. For example, the blockchain network side deducts a corresponding number of tokens and the like from the blockchain account of the user; for another example, the blockchain network sends a deduction application to a bank account or a third party payment account associated with the blockchain account of the user.

The method for implementing wireless communication-based assisted charge settlement by a smart phone according to the present application will be described with reference to the following specific application scenarios and with reference to fig. 2 to 4 as an example.

In an application scenario where a user actively initiates a fee settlement, a specific example of the method of the present application is shown in fig. 2.

In fig. 2, in step 1, when the smart mobile phone of the user is within the effective range of the near field communication, the smart mobile phone of the user performs information interaction with other settlement parties in a near field communication manner, so that the other settlement parties can acquire information such as a phone number of the smart mobile phone, and thus the smart mobile phone is identified. The intelligent mobile phone can also identify other settlement parties according to information interaction. The process of information interaction can be encrypted by a key. And the key agreement procedure is typically performed before step 1. In addition, other settlement parties can also acquire information such as the public key of the user's blockchain account number and the user's bank account number information in the mutual identification process.

And 2, after receiving a charge settlement instruction input by a user, the intelligent mobile phone actively generates a settlement charge bill and provides the settlement charge bill to the telephone security unit, the telephone security unit carries out digital signature processing on the settlement charge bill by using a block chain account private key stored in the telephone security unit, the intelligent mobile phone generates a settlement application according to the settlement charge bill processed by the digital signature output by the telephone security unit, and the settlement application is sent to a block chain network side in a wireless communication network mode. The settlement application comprises a settlement expense bill and digital signature information of the intelligent mobile phone.

And 3, after receiving the settlement application from the intelligent mobile phone, the block chain network side can utilize the public key of the block chain account number of the user to carry out signature verification on the settlement expense bill in the settlement application, and after the signature verification is passed, the block chain network side carries out information interaction with other settlement parties in a wireless communication network mode so as to confirm the settlement expense bill.

Specifically, the block chain network side transmits a bill confirmation application to other settlement parties in a wireless communication network mode. The bill confirmation application comprises a settlement bill after the digital signature processing output by the telephone security unit. After receiving the bill confirmation application from the blockchain network side, the other settling parties perform signature verification on the settlement expense bill in the bill confirmation application by using the public key of the blockchain account number of the user, and after the signature verification is passed, the other settling parties can perform digital signature processing on the settlement expense bill by using the private key of the blockchain account number of the other settling parties (which can be executed by the security units of the other settling parties), and send a bill confirmation response to the blockchain network side in a wireless communication network manner. The bill confirmation response includes a bill for settlement charge digitally signed by both parties.

The public and private keys of the blockchain account numbers of other settling parties in the application can represent the blockchain account numbers of other settling parties.

After receiving the bill confirmation response from other settlement parties, the blockchain network side can utilize the blockchain account public keys of other settlement parties to perform signature verification on the settlement expense bills in the bill confirmation response, and execute corresponding fee deduction operation after the signature verification is successful. For example, the blockchain network side deducts a corresponding number of tokens and the like from the blockchain account of the user; for another example, the blockchain network sends a deduction application to a bank account or a third party payment account associated with the blockchain account of the user.

And 4, after the block chain network side successfully executes the fee deduction operation, a successful settlement notification can be sent to the intelligent mobile phone, other settlement parties and the like.

In the application scenario where other settlers actively initiate charge settlement, a specific example of the method of the present application is shown in fig. 3.

In fig. 3, in step 1, when the smart mobile phone of the user is within the effective range of the near field communication, the smart mobile phone of the user performs information interaction with other settlement parties in a near field communication manner, so that the other settlement parties can acquire information such as a phone number of the smart mobile phone, and thus the smart mobile phone is identified. The intelligent mobile phone can also identify other settlement parties according to information interaction. The process of information interaction can be encrypted by a key. And the key agreement procedure is typically performed before step 1. In addition, other settlement parties can also acquire information such as the public key of the user's blockchain account number and the user's bank account number information in the mutual identification process.

And 2, after obtaining the information, other settling parties can generate a settlement expense bill according to the stored settlement basic information. Other settlers can use the private key of the block chain account number to perform digital signature processing on the settlement expense bill (for example, the security units of other settlers perform digital signature processing), and the other settlers generate settlement applications according to the settlement expense bill after the digital signature processing and transmit the settlement applications to the block chain network side in a wireless communication network mode. The settlement application comprises a settlement expense bill processed by digital signature.

And 3, after receiving settlement applications from other settlement parties, the block chain network side can utilize the block chain account public keys based on the other settlement parties to carry out signature verification on the settlement expense bills in the settlement applications, and after the signature verification is passed, the block chain network side carries out information interaction with the intelligent mobile phone in a wireless communication network mode so as to confirm the settlement expense bills.

Specifically, after the signature verification is passed, the block chain network side transmits a bill confirmation application to the smart mobile phone in a wireless communication network manner. The bill validation application includes a digitally signed bill for settlement fees from other settlers. After receiving the bill confirmation application from the blockchain network side, the intelligent mobile phone performs signature verification on the settlement expense bill in the bill confirmation application by using the blockchain account public key of other settlers, and after the signature verification is passed, the intelligent mobile phone can perform digital signature processing on the settlement expense bill in the bill confirmation application by using the blockchain account private key stored in the intelligent mobile phone and send a bill confirmation response to the blockchain network side in a wireless communication network mode. The bill confirmation response includes the bill for settlement cost digitally signed by both parties.

After receiving the bill confirmation response from the smart mobile phone, the blockchain network side can utilize the blockchain account public key of the smart mobile phone to perform signature verification on the settlement expense bill in the bill confirmation response, and after the signature verification is successful, the blockchain network side executes corresponding deduction operation. For example, the blockchain network side deducts a corresponding number of tokens and the like from the blockchain account of the user; for another example, the blockchain network sends a deduction application to a bank account or a third party payment account associated with the blockchain account of the user.

And 4, after the block chain network side successfully executes the fee deduction operation, sending a successful settlement notification to the corresponding intelligent mobile phone, other settlement parties and the like.

In the application scenario where other settlers actively initiate charge settlement, a specific example of the method of the present application is shown in fig. 4.

In fig. 4, in step 1, when the smart mobile phone of the user is within the effective range of the near field communication, the smart mobile phone of the user performs information interaction with other settlement parties in a near field communication manner, so that the other settlement parties can acquire information such as a phone number of the smart mobile phone, and thus the smart mobile phone is identified. The intelligent mobile phone can also identify other settlement parties according to information interaction. The process of information interaction can be encrypted by a key. And the key agreement procedure is typically performed before step 1. In addition, other settlement parties can also acquire information such as the public key of the user's blockchain account number and the user's bank account number information in the mutual identification process.

And 2, after obtaining the information, other settling parties can generate a settlement expense bill according to the stored settlement basic information. Other parties may digitally sign the bill for the settlement fee using their blockchain account private key (e.g., by a secure unit of the other party). And the other settling parties perform information interaction with the intelligent mobile phone in a near field communication mode so as to confirm the settlement expense bill.

Specifically, other settlement parties may generate a bill confirmation application according to the settlement fee bill processed by the digital signature, and transmit the bill confirmation application to the smart mobile phone in a near field communication manner. The bill confirmation application comprises a settlement expense bill processed by the digital signature. After receiving bill confirmation applications from other settling parties, the intelligent mobile phone provides the bill of the settlement cost in the bill confirmation applications to the phone security unit, the phone security unit performs signature verification on the bill of the settlement cost by using the public key of the block chain account of the other settling parties, after the signature verification is passed, the phone security unit performs digital signature processing on the bill of the settlement cost by using the private key of the block chain account stored in the phone security unit, and the intelligent mobile phone sends bill confirmation responses to the other settling parties in a near-field communication mode. The bill confirmation response sent to other settlement parties contains the settlement expense bill itself and the digital signature information of the intelligent mobile phone.

And 3, after receiving the settlement application, other settlement parties perform signature verification on the settlement expense bill in the settlement application by using the block chain account public key of the intelligent mobile phone, and after the signature verification is passed, expense settlement is realized.

In addition, the other settlement party can generate a settlement application based on the settlement fee bills digitally signed by both parties, and transmit the settlement application to the block chain network side in the wireless communication network mode while the settlement application is on line. The settlement application contains the settlement expense bill digitally signed by both parties.

After receiving settlement applications from other settlement parties, the blockchain network side performs signature verification on settlement expense bills in the settlement applications by using blockchain account public keys of the other settlement parties and blockchain account public keys of the intelligent mobile phone, and executes corresponding fee deduction operations after the signature verification is passed. For example, the blockchain network side deducts a corresponding number of tokens and the like from the blockchain account of the user; for another example, the blockchain network sends a deduction application to a bank account or a third party payment account associated with the blockchain account of the user.

Before the above embodiments are performed, the smart mobile phone may also sign a block chain contract with other settling parties, and each settling party may perform a charge settlement based on the block chain contract (e.g., generate a settlement charge bill based on the block chain contract, etc.). One specific process for both parties to sign a blockchain contract is shown in fig. 5.

In fig. 5, step S500 is to obtain a block chain contract to be signed.

In an alternative example, the block chain contract to be signed in the present application is mainly used for collecting settlement fees of settlement parties. The block chain contract to be signed can be generated by the intelligent mobile phone or other settling parties. In the case where the smart mobile phone receives a contract start notification transmitted from the outside, the block link contract in the contract start notification may be regarded as a block link contract to be contracted.

And S510, providing the block chain contract to be signed to the telephone security unit, and performing digital signature processing on the block chain contract to be signed by the telephone security unit by using the block chain account private key stored in the telephone security unit.

In an alternative example, the block chaining contract to be signed of the present application may include: the identifier of the smart mobile phone, the information of the settlement target, the identifiers of other settlement parties, the charging mode of the settlement target and the like, and the block chain contract to be signed may further include: bank account information of the user, etc.

In an alternative example, the private key stored by the telephony security unit of the present application may be the user's blockchain account private key. The user's blockchain account private key and public key together can characterize the user's blockchain account. The application does not limit the specific implementation mode of the telephone security unit for carrying out digital signature processing on the charge settlement information to be signed by using the private key.

S520, the block chain contract processed by the digital signature output by the telephone security unit is transmitted in a wireless communication mode, so that each block chain contract party obtains the block chain contract digitally signed by all the block chain contract parties.

In an optional example, the block chain contract after the digital signature processing output by the telephone security unit can be transmitted to other settlers, and the block chain contract after the digital signature processing output by the telephone security unit can also be transmitted to the block chain network side. Under the condition of transmitting the block chain contract to other settling parties, the block chain contract after the digital signature processing output by the telephone security unit can be transmitted to other settling parties in a near field communication mode or a wireless communication network mode, the other settling parties can utilize the public key of the block chain account number of the intelligent mobile phone to carry out signature verification on the received block chain contract, and after the signature verification is passed, if the block chain contract is not subjected to digital signature processing aiming at the block chain contract, the block chain contract is subjected to digital signature processing by utilizing the stored private key of the block chain account number, and the block chain contract subjected to the digital signature processing of the two parties is transmitted to the intelligent mobile phone and the block chain network side. Under the condition of transmitting the block chain contract to the block chain network side, the block chain contract after digital signature processing output by the telephone security unit can be transmitted to the block chain network side in a wireless communication network mode, the block chain network side can utilize a block chain account public key of the intelligent mobile phone to carry out signature verification on the received block chain contract, and after the signature verification is passed, if the block chain contract is not subjected to digital signature processing by other clearing parties, the block chain network side can send the block chain contract to the other clearing parties, so that both parties carry out digital signature processing on the block chain contract. If the blockchain contract has been digitally signed by both parties, the blockchain network side stores the blockchain contract.

The block chain contract and the settlement fee bill processed by the both-side digital signature in the present application can be set in the block of the corresponding block chain.

The following describes a process of signing a block chain contract between a smart mobile phone and a predetermined charging system (i.e. other settlement parties) according to the present application, with reference to specific application scenarios and using fig. 6 to 8 as an example.

The specific process of signing the block chain contract initiated by other settlers, so as to implement the block chain contract signing is shown in fig. 6.

In fig. 6, when the smart mobile phone of the user is within the effective range of the near field communication, the smart mobile phone interacts with the reservation charging system in a near field communication manner, so that the reservation charging system can acquire information such as a phone number of the smart mobile phone, and thereby recognize the smart mobile phone. The smart mobile phone can also identify the predetermined charging system based on the information interaction. The process of information interaction can be encrypted by a key. And the key agreement procedure is typically performed before step 1. In addition, the predetermined charging system can also acquire information such as the public key of the block chain account number of the user, the bank account number information of the user and the like in the mutual identification process.

Step 2, the subscription charging system may generate a block link contract for the telephone number after obtaining the telephone number. The block chain may be: a blockchain contract that has been digitally signed by the subscription charging system using its blockchain account private key (e.g., a private key based on the blockchain account of the subscription charging system) (e.g., the digital signature processing operation is performed by a security element in the subscription charging system). The block chaining approach may include: the identifier of the smart phone, the location of the predetermined charging system, the charging information of the predetermined charging system, and the identifier of the predetermined charging system (e.g. the public key of the block chain account of the predetermined charging system, and further, the public key of the block chain account of the predetermined charging system, and the name of the predetermined charging system, etc., which are not illustrated one by one in the following). In addition, the block chain contract may also include bank account information of the user and the like. The reservation charging system transmits a block link contract start notification including the digitally signed block link contract to the smart phone in a near field communication manner, where the block link contract itself and/or the digital signature information in the block link contract start notification may be encrypted content.

The reservation charging system can also start a timer and perform overtime judgment in real time, so that the reservation charging system can execute other processing operations, such as sending an overtime notice to the intelligent mobile phone in a short message mode and the like, when the intelligent mobile phone cannot respond to the block link contract start notice in time.

Step 3, after the smart mobile phone receives the block link contract starting notice from the predetermined charging system through the near field communication, the block chain contract in the notification is provided to the telephone security unit, the telephone security unit performs signature verification on the block chain contract by using a public key of a block chain account number based on a predetermined charging system (in the signature verification process, a corresponding decryption process can be added according to the actual situation of the encryption process, and the following description is not particularly repeated), after the signature verification passes or the signature verification passes and the user checks the contents of the block chain contract, the telephone security unit performs digital signature processing on the block chain contract with the digital signature information of the preset charging system by using the private key of the block chain account number of the telephone security unit, and stores the block chain contract after the digital signature processing (namely, the block chain contract passing through the digital signature information of both parties); the smart mobile phone uses the block link contract to form a block link contract start confirmation, and sends the block link contract start confirmation to a predetermined charging system in a near field communication mode. In this way, after receiving the confirmation of the start of the block chain contract, the reservation charging system may perform signature verification on the decrypted block chain contract by using the public key of the block chain account of the smart phone, and after the signature verification is passed, the reservation charging system stores the block chain contract subjected to the digital signature information of both parties.

Optionally, the reservation charging system may send a notification that the block link contract is successfully signed to the smart phone by a short message or the like.

A specific procedure of initiating the block link contract subscription procedure by the reservation charging system, thereby implementing the block link contract subscription is shown in fig. 7.

In fig. 7, in step 1, when the smart mobile phone of the user is within the effective range of the near field communication, the smart mobile phone interacts with the reservation charging system in a near field communication manner, so that the reservation charging system can acquire information such as a phone number of the smart mobile phone, and thereby recognize the smart mobile phone. The smart mobile phone can also identify the predetermined charging system based on the information interaction. The process of information interaction can be encrypted by a key. And the key agreement procedure is typically performed before step 1. In addition, the predetermined charging system can also acquire information such as the public key of the block chain account number of the user, the bank account number information of the user and the like in the mutual identification process.

Step 2, the subscription charging system may generate a block link contract for the telephone number after obtaining the telephone number. The block chain may be: a blockchain contract that has been digitally signed by the subscription charging system using its blockchain account private key (e.g., a private key based on the blockchain account of the subscription charging system) (e.g., the digital signature processing operation is performed by a security element in the subscription charging system). The block chaining approach may include: the phone number of the intelligent mobile phone, the location of the reservation charging system, the charging information of the reservation charging system, the identification of the reservation charging system and the like. In addition, the block chain contract may also include bank account information of the user and the like. The system transmits a block chain contract start notice containing the block chain contract processed by the digital signature to the block chain network side in a wireless communication network mode, wherein the block chain contract itself and/or the digital signature information in the block chain contract start notice can be the encrypted content.

In addition, the predetermined charging system can start a timer and perform timeout judgment in real time, so that the predetermined charging system can execute other processing operations, such as sending a timeout notification to the smart phone in a short message manner, and the like, when the blockchain network side cannot respond to the blockchain contract start notification in time.

And 3, after receiving the block link contract starting notice from the preset charging system in a wireless communication network mode, the block link network side can directly transmit the block link contract starting notice to the intelligent mobile phone in a wireless communication network mode, or can firstly utilize a block link account public key based on the preset charging system to carry out signature verification on the block link contract, and after the signature verification is passed, the block link network side transmits the block link contract starting notice to the intelligent mobile phone in a wireless communication network mode.

And 4, after the intelligent mobile phone receives a block chain contract starting notice from a block chain network side in a wireless communication network mode, providing the block chain contract in the block chain contract starting notice to the telephone security unit, performing signature verification on the block chain contract by the telephone security unit by using a block chain account public key based on a preset charging system, performing digital signature processing on the block chain contract with the digital signature information of the preset charging system by using a block chain account private key of the telephone security unit after the signature verification passes or after the signature verification passes and a user checks that the block chain contract is correct, and storing the block chain contract after the digital signature processing (namely, the block chain contract with the digital signature information of both parties). The telephone security unit outputs the block link contract after the digital signature processing, and the intelligent mobile phone can utilize the block link contract to form a block link contract start confirmation and send the block link contract start confirmation to a block link network side in a wireless communication network mode. In this way, after receiving the block chain contract start confirmation, the block chain network side can utilize the public key of the block chain account number of the smart mobile phone to perform signature verification on the decrypted block chain contract, and after the signature verification is passed, the block chain contract with the digital signature information of both parties is stored.

And step 5, the block chain network side also sends contract start confirmation to a preset charging system in a wireless communication network mode.

And after receiving the block chain contract starting confirmation, the predetermined charging system performs signature verification on the decrypted block chain contract by using the public key of the block chain account number of the intelligent mobile phone, and stores the block chain contract subjected to digital signature processing by the two parties after the signature verification passes.

And 6, the block chain network side can send a notice that the block chain contract is successfully signed to the intelligent mobile phone in a short message mode.

A specific procedure of initiating the block link contract subscription procedure by the reservation charging system, thereby implementing the block link contract subscription is shown in fig. 8.

In fig. 8, in step 1, when the smart mobile phone of the user is within the effective range of the near field communication, the smart mobile phone interacts with the reservation charging system in a near field communication manner, so that the reservation charging system can acquire information such as a phone number of the smart mobile phone, and thereby recognize the smart mobile phone. The smart mobile phone can also identify the predetermined charging system based on the information interaction. The process of information interaction can be encrypted by a key. And the key agreement procedure is typically performed before step 1. In addition, the predetermined charging system can also acquire information such as the public key of the block chain account number of the user, the bank account number information of the user and the like in the mutual identification process.

Step 2, the subscription charging system may generate a block link contract for the telephone number after obtaining the telephone number. The block chain may be: a blockchain contract that has been digitally signed by the subscription charging system using its blockchain account private key (e.g., a private key based on the blockchain account of the subscription charging system) (e.g., the digital signature processing operation is performed by a security element in the subscription charging system). The block chaining approach may include: the phone number of the intelligent mobile phone, the location of the reservation charging system, the charging information of the reservation charging system, the identification of the reservation charging system and the like. In addition, the block chain contract may also include bank account information of the user and the like. The reservation charging system transmits a block link contract start notification including the block link contract after the digital signature processing to the smart mobile phone in a near field communication manner.

Step 3, after receiving a block chain contract starting notice from the preset charging system in a near field communication mode, the intelligent mobile phone provides the block chain contract in the notice to a phone security unit, the phone security unit performs signature verification on the block chain contract by using a block chain account public key based on the preset charging system, after the signature verification passes or the signature verification passes and a user checks that the content of the block chain contract is correct, the phone security unit performs digital signature processing on the block chain contract by using a block chain account private key thereof, and stores the block chain contract after the digital signature processing (namely, the block chain contract subjected to the digital signature processing of both parties); the phone security unit outputs the block link contract after the digital signature processing, and the smart mobile phone can form a block link contract start confirmation by using the block link contract and send the block link contract start confirmation to the predetermined charging system in a near field communication mode.

And 4, after receiving the block chain contract start confirmation, the preset charging system can utilize the public key of the block chain account number of the intelligent mobile phone to carry out signature verification on the block chain contract in the contract start confirmation, and after the signature verification is passed, the block chain contract processed by the digital signatures of the two parties is stored. In addition, the reservation charging system can utilize the block chain contract formation contract notice passing through the digital signature information of both parties to transmit to the block chain network side in a wireless communication network mode.

And 5, after receiving the contract notice from the preset charging system, the block chain network side uses the public key of the block chain account number based on the preset charging system to carry out signature verification on the block chain contract, and after the signature verification is passed, the block chain network side stores the block chain contract processed by the digital signatures of the two parties. In addition, the block chain network side transmits the network side confirmation to the predetermined charging system in a wireless communication network mode, so that the predetermined charging system can know the block chain contract stored in the block chain network side.

And 6, the block chain network side can send a notice that the block chain contract is successfully signed to the intelligent mobile phone in a short message mode and the like.

It should be noted that, part or all of the operations performed by the other settlers, the smart mobile phone and the network side of the block chain in fig. 1 to 8 may form blocks in the corresponding block chain and be recorded. The method and the device can determine the operation of recording through the block according to the actual service requirement.

The following is a specific embodiment of the present application of a device for wireless communication-assisted fee settlement based on a smart mobile phone.

The device for realizing the wireless communication-based auxiliary fee settlement based on the intelligent mobile phone is arranged in the intelligent mobile phone. The structure of the device of the embodiment of the present application is shown in fig. 9.

In fig. 9, the apparatus according to the embodiment of the present application mainly includes: an acquisition module 900, a processing module 910, and a transmission module 920. Optionally, the apparatus may further include: a key agreement module 930, and a contract signing module 940. The following describes each module included in the control device according to the embodiment of the present application in detail.

The acquiring module 900 is mainly used for identifying other settling parties and acquiring settlement information of fees to be signed with other settling parties. The specific operations performed by the obtaining module 900 can be referred to the above description of S100 in fig. 1 and the description of the related steps in fig. 2 to 4, and will not be repeated here.

The processing module 910 is mainly configured to provide the charge settlement information to be signed to the phone security unit, so that the phone security unit performs digital signature processing on the charge settlement information to be signed by using the block chain account private key stored in the phone security unit. The specific operations performed by the processing module 910 can be referred to the above description of S110 in fig. 1 and the description of the related steps in fig. 2 to 4, and the description is not repeated here.

The transmission module 920 is mainly used for transmitting the digitally signed fee settlement information output by the telephone security unit in a wireless communication manner, so that each settlement party and the block chain network side can obtain the digitally signed fee settlement information of all settlement parties, wherein the digitally signed fee settlement information of all settlement parties is used for executing fee deduction operation on the block chain network side. The specific operations performed by the transmission module 920 may refer to the description of S120 in fig. 1 and the description of the related steps in fig. 2 to 4, and a description thereof will not be repeated here.

The key negotiation module 930 is mainly used for the smart mobile phone to negotiate a key for encrypting information exchanged between the settlement parties (e.g. subscription charging system, etc.) in a near field communication manner with other settlement parties. The key obtained by the key agreement module 930 through the agreement may be provided to any one or more of the acquisition module 900, the processing module 910, and the transmission module 920. In the key agreement process, the party generating the key can encrypt the generated key by using the public key of the blockchain account of the other party and transmit the encrypted key to the other party. In particular as described in the above method embodiments, the description is not repeated here.

The contract signing module 940 is used for acquiring a block chain contract to be signed for charging, providing the block chain contract to be signed to the telephone security unit, performing digital signature processing on the block chain contract to be signed by using a block chain account private key stored by the telephone security unit, and transmitting the block chain contract after the digital signature processing output by the telephone security unit in a wireless communication mode, so that all block chain contract parties obtain the block chain contract digitally signed by all block chain contract parties. The specific operations performed by the contract signing module 940 can be referred to the description of fig. 5 and the description of the related steps in fig. 6-8, and the description is not repeated here.

The following is a specific embodiment of the smart mobile phone of the present application provided with a wireless communication-assisted fee settlement-based device implemented by the smart mobile phone.

The smart mobile phone (as shown in fig. 10) 1000 of the embodiment of the present application includes: a telephone security unit 1010 and a wireless communication-based auxiliary fee settlement apparatus 1020 implemented by a smart mobile phone. The device 1020 is mainly used for acquiring the charge settlement information to be signed, and providing the charge settlement information to be signed to the telephone security unit 1010, so that the telephone security unit 1010 performs digital signature processing on the charge settlement information to be signed by using a block chain account private key stored in the telephone security unit 1010; the digital signature processed fee settlement information output by the telephone security unit 1010 is transmitted in a wireless communication mode, so that each settlement party and the block chain network side can obtain the fee settlement information digitally signed by all settlement parties. The operations specifically performed by the telephone security unit 1010 and the apparatus 1020 and the specific structure of the apparatus 1020 can be referred to the description of the method embodiments and the apparatus embodiments described above, and a description thereof will not be repeated.

The algorithms and displays presented herein are not inherently related to any particular computer, virtual machine, or other apparatus. Various general purpose systems may also be used with the teachings herein. The required structure for constructing such a system will be apparent from the description above. In addition, this application is not directed to any particular programming language. It will be appreciated that a variety of programming languages may be used to implement the teachings of the present application as described herein, and any descriptions of specific languages are provided above to disclose the best modes of the present application.

In the description provided herein, numerous specific details are set forth. However, it is understood that embodiments of the application may be practiced without these specific details. In some instances, well-known methods, structures and techniques have not been shown in detail in order not to obscure an understanding of this description.

Similarly, it should be appreciated that in the foregoing description of exemplary embodiments of the application, various features of the application are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the disclosure and aiding in the understanding of one or more of the various application aspects. However, the disclosed method should not be interpreted as reflecting an intention that: this application is intended to cover such departures from the present disclosure as come within known or customary practice in the art to which this invention pertains. Rather, as the following claims reflect, inventive aspects lie in less than all features of a single foregoing disclosed embodiment. Thus, the claims following the detailed description are hereby expressly incorporated into this detailed description, with each claim standing on its own as a separate embodiment of this application.

Those skilled in the art will appreciate that the modules in the device in an embodiment may be adaptively changed and disposed in one or more devices different from the embodiment. The modules or units or components of the embodiments may be combined into one module or unit or component, and furthermore they may be divided into a plurality of sub-modules or sub-units or sub-components. All of the features disclosed in this specification (including any accompanying claims, abstract and drawings), and all of the processes or elements of any method or apparatus so disclosed, may be combined in any combination, except combinations where at least some of such features and/or processes or elements are mutually exclusive. Each feature disclosed in this specification (including any accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose, unless expressly stated otherwise.

Furthermore, those skilled in the art will appreciate that although embodiments described herein include some features included in other embodiments, not other features, combinations of features of different embodiments are meant to be within the scope of the application and form different embodiments. For example, in the claims of the present application, any of the claimed embodiments may be used in any combination.

The various component embodiments of the present application may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. It will be appreciated by those skilled in the art that a microprocessor or Digital Signal Processor (DSP) may be used in practice to implement some or all of the functions in a system for multi-operator remote manipulation of a single operator according to embodiments of the present application. The present application may also be embodied as apparatus or system programs (e.g., computer programs and computer program products) for performing a portion or all of the methods described herein. Such programs implementing the present application may be stored on a computer readable medium or may be in the form of one or more signals. Such a signal may be downloaded from a website on the internet, provided on a carrier signal, or provided in any other form.

It should be noted that the above-mentioned embodiments illustrate rather than limit the application, and that those skilled in the art will be able to design alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps or the like not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The application may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several systems, several of these systems may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.

Claims

1. A method for wireless communication-based assisted charge settlement implemented by a smart mobile phone, wherein a phone security unit is provided in the smart mobile phone, the method comprising the steps of:

identifying other settling parties and acquiring expense settlement information to be signed with the other settling parties, wherein the expense settlement information comprises settlement expense bills generated by the intelligent mobile phone;

providing the expense settlement information to be signed to a telephone security unit so as to carry out digital signature processing on the expense settlement information to be signed by the telephone security unit by using a private key stored in the telephone security unit, wherein the private key comprises: a block chain account private key;

the fee settlement information after the digital signature processing output by the telephone security unit is transmitted in a wireless communication mode, so that each settlement party and the block chain network side can obtain the fee settlement information digitally signed by all settlement parties;

the fee settlement information digitally signed by all settlers is used for executing fee deduction operation on the block chain network side;

wherein, the acquiring the settlement information of the fee to be signed with other settlement parties comprises:

under the condition that a generated charge settlement information instruction input to the intelligent mobile phone by a user is received, generating a settlement charge bill according to settlement basic information locally stored in the intelligent mobile phone;

the wireless communication method for transmitting the digital signature processed fee settlement information output by the telephone security unit so that each settlement party and the block chain network side can obtain the digital signature fee settlement information of all settlement parties comprises the following steps:

generating a settlement application according to the settlement expense bill after digital signature processing output by the telephone security unit, transmitting the settlement application to a block chain network side in a wireless communication network mode, and sending a bill confirmation application to other settlers through the block chain network side according to the settlement application so that the other settlers perform digital signature processing on the settlement expense bill in the bill confirmation application;

and receiving a settlement notice transmitted from the network side of the block chain, and acquiring a settlement expense bill digitally signed by all settlement parties from the settlement notice.

2. The method of claim 1, wherein said obtaining settlement information for fees to be signed with other settlement parties further comprises:

the settlement expense bill is generated by other settlement parties and transmitted in a near field communication mode or a wireless communication network mode; or

And the bill for the settlement fee is generated by other settlement parties and transmitted to the blockchain network side in a wireless communication network mode, and the bill for the settlement fee is transmitted by the blockchain network side in the wireless communication network mode.

3. The method of claim 2, wherein the acquiring settlement information of fees to be signed with other settling parties comprises:

when a bill confirmation application sent by a block chain network side according to a settlement expense bill in a settlement application from other settlers is received, acquiring a settlement expense bill from the bill confirmation application;

and the step of providing the to-be-signed expense settlement information to a telephone security unit so that the telephone security unit performs digital signature processing on the to-be-signed expense settlement information by using a private key stored in the telephone security unit comprises the following steps:

and providing the settlement expense bill to a telephone security unit, carrying out signature verification on the settlement expense bill by using the public key of the block chain account of other settlement parties by the telephone security unit, and carrying out digital signature processing on the settlement expense bill passing the signature verification by using a stored private key after the signature verification passes.

4. The method as claimed in claim 3, wherein the step of transmitting the digitally signed charge settlement information output from the telephone security unit in a wireless communication manner so that each settlement party and the blockchain network side can obtain the charge settlement information digitally signed by all settlement parties comprises the steps of:

according to the settlement expense bill processed by the digital signature output by the telephone security unit, a bill confirmation response is transmitted to the block chain network side in a wireless communication network mode, so that the settlement expense bill digitally signed by all the settlement parties is sent to other settlement parties through the block chain network side.

5. The method of claim 2, wherein the acquiring settlement information of fees to be signed with other settling parties comprises:

in the case of receiving a bill confirmation application transmitted to the smart mobile phone by the other settlement party based on the generated settlement fee bill, acquiring a settlement fee bill from the bill confirmation application;

6. The method as claimed in claim 5, wherein the step of transmitting the digitally signed charge settlement information output from the telephone security unit in a wireless communication manner so that each settlement party and the blockchain network side can obtain the charge settlement information digitally signed by all settlement parties comprises the steps of:

according to the settlement expense bill processed by the digital signature output by the telephone security unit, a bill confirmation response is transmitted to other settlement parties in a near field communication mode or a wireless communication network mode, so that the other settlement parties can obtain the settlement expense bill digitally signed by all settlement parties, and a settlement application containing the settlement expense bill digitally signed by all settlement parties is transmitted to the block chain network side through the other settlement parties.

7. The method according to any one of claims 1 to 6, wherein the method further comprises, before acquiring settlement information of fees to be signed with other settlement parties:

the intelligent mobile phone negotiates a secret key used for encrypting information interacted between the settlement parties with other settlement parties in a near field communication mode or a wireless communication network mode.

8. The method of any of claims 1 to 6, further comprising:

acquiring a block chain contract to be signed;

providing the block chain contract to be signed to a telephone security unit, and carrying out digital signature processing on the block chain contract to be signed by the telephone security unit by using a block chain account number private key stored by the telephone security unit;

transmitting the block chain contract processed by the digital signature output by the telephone security unit in a wireless communication mode so that each block chain contract party obtains the block chain contract digitally signed by all block chain contract parties;

wherein the block chaining contract is for charging the fee.

9. An apparatus for facilitating settlement of fees based on wireless communication implemented by a smart mobile phone, wherein a phone security unit is provided in the smart mobile phone, the apparatus comprising:

the acquisition module is used for identifying other settling parties and acquiring expense settlement information to be signed with the other settling parties, wherein the expense settlement information comprises a settlement expense bill generated by the intelligent mobile phone, and the settlement expense bill is generated according to settlement basic information locally stored in the intelligent mobile phone under the condition that an expense settlement information indication input to the intelligent mobile phone by a user is received;

the processing module is used for providing the expense settlement information to be signed to a telephone security unit so that the telephone security unit can carry out digital signature processing on the expense settlement information to be signed by using a private key stored in the telephone security unit, wherein the private key comprises: a block chain account private key;

the transmission module is used for transmitting the expense settlement information which is output by the telephone security unit and subjected to digital signature processing in a wireless communication mode so that all settlement parties and the block chain network side can obtain the expense settlement information which is digitally signed by all settlement parties, wherein a settlement application is generated according to a settlement expense bill which is output by the telephone security unit and subjected to digital signature processing, the settlement application is transmitted to the block chain network side in a wireless communication network mode, a bill confirmation application is sent to other settlement parties according to the settlement application through the block chain network side, and the other settlement parties carry out digital signature processing on the settlement expense bill in the bill confirmation application; receiving a settlement notice transmitted from a block chain network side, and acquiring a settlement expense bill digitally signed by all settlement parties from the settlement notice;

the fee settlement information digitally signed by all the settlers is used for executing fee deduction operation on the block chain network side.

10. A smart mobile phone, characterized in that the smart mobile phone comprises:

a telephone security unit;

and the device for settlement based on wireless communication auxiliary expenses realized by smart mobile phone of claim 9;

the telephone security unit is used for carrying out digital signature processing on the expense settlement information to be signed provided by the device by using the private key of the block chain account number stored by the telephone security unit.