CN108985928A - Digital cash method of commerce, device, system and mobile terminal - Google Patents
Digital cash method of commerce, device, system and mobile terminal Download PDFInfo
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- CN108985928A CN108985928A CN201810581006.0A CN201810581006A CN108985928A CN 108985928 A CN108985928 A CN 108985928A CN 201810581006 A CN201810581006 A CN 201810581006A CN 108985928 A CN108985928 A CN 108985928A
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- China
- Prior art keywords
- message
- digital cash
- transaction
- gathering
- payment
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- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
Abstract
The embodiment of the invention discloses a kind of digital cash method of commerce, device, system and mobile terminals.Beneficiary device is based on the first safe unit and generates gathering message, which is sent to paying party device；Paying party device receives the gathering message, and generates the payment message including transaction amount according to the digital cash amount of money in the offline account of gathering message reduction paying party and based on the second safe unit, which is sent to beneficiary device；Beneficiary device receives the payment message, and the transaction amount for including according to payment message, increases the digital cash amount of money in the offline account of beneficiary.Digital cash method of commerce, device, system and the mobile terminal of the embodiment of the present invention can be realized the digital cash transaction under the conditions of off-grid off line.
Description
Technical field
The present invention relates to digital cash technical field more particularly to a kind of digital cash method of commerce, device, system and shiftings
Dynamic terminal.
Background technique
With the continuous development of Internet technology, digital cash is receive more and more attention and approves, can not only
Save distribution and circulation bring cost, moreover it is possible to improve transaction or investment efficiency, promoted the movable convenience of economic transaction and
Transparency.
In general, digital cash may include the electronic form of legal tender and the electronization of non-legal tender.Method
The electronic money of the electronic form such as bank card, Internetbank, Alipay, wechat of order coin etc.；The electronization of non-legal tender
The ideal money of the Q coin of such as Tencent, Baidu's coin of Baidu company, and the encryption number of such as bit coin, Lay spy's coin
Currency.
Currently, the digital cash based on centralization structure of deal trades and based on centralized management distributed transaction structure
Digital cash transaction not can be carried out digital cash transaction under the conditions of off-grid off line.
Summary of the invention
The embodiment of the present invention provides a kind of digital cash method of commerce, device, system and mobile terminal, can be realized off-grid
Digital cash transaction under the conditions of off line.
In a first aspect, the embodiment of the invention provides a kind of digital cash method of commerce, method includes:
Gathering message is generated based on the first safe unit (Secure Element, SE)；
Gathering message is sent to the second digital cash the transaction device；
Receive the payment message including at least transaction amount of the second digital cash the transaction device transmission；
According to transaction amount, increase the digital cash amount of money in the offline account of beneficiary.
In one embodiment of the invention, according to transaction amount, increase the digital goods in the offline account of beneficiary
Before the coin amount of money, digital cash method of commerce provided in an embodiment of the present invention further include:
Validation verification is carried out to payment message.
In one embodiment of the invention, validation verification is carried out to payment message, comprising:
According to the digital signature that payment message includes, validation verification is carried out to payment message.
In one embodiment of the invention, validation verification is carried out to payment message, comprising:
According to the gathering message that payment message includes, validation verification is carried out to payment message.
In one embodiment of the invention, gathering message is sent to the second digital cash the transaction device, comprising:
Gathering message is sent to the second digital cash the transaction device using close range communication techniques.
Second aspect, the embodiment of the invention provides a kind of digital cash method of commerce, method includes:
Receive the gathering message of the first digital cash the transaction device transmission；
According to gathering message, the payment message for including at least transaction amount is generated based on the 2nd SE；
According to transaction amount, the digital cash amount of money in the offline account of paying party is reduced；
Sending Payments message is to the first digital cash the transaction device, so that the first digital cash the transaction device is reported according to payment
Text increases the digital cash amount of money in the offline account of beneficiary.
In one embodiment of the invention, it according to gathering message, is generated based on the 2nd SE and includes at least transaction amount
Payment message before, digital cash method of commerce provided in an embodiment of the present invention further include:
Validation verification is carried out to gathering message.
In one embodiment of the invention, validation verification is carried out to gathering message, comprising:
According to the digital signature that gathering message includes, validation verification is carried out to gathering message.
In one embodiment of the invention, validation verification is carried out to gathering message, comprising:
The time is generated according to the message that gathering message includes, validation verification is carried out to gathering message.
In one embodiment of the invention, it according to gathering message, is generated based on the 2nd SE and includes at least transaction amount
Payment message before, digital cash method of commerce provided in an embodiment of the present invention further include:
Whether verifying transaction amount is not more than the digital cash amount of money in the offline account of paying party.
In one embodiment of the invention, Sending Payments message is to the first digital cash the transaction device, comprising:
Utilize close range communication techniques Sending Payments message to the first digital cash the transaction device.
The third aspect, the embodiment of the present invention provide a kind of digital cash the transaction device, and device includes:
First generation unit, for generating gathering message based on the first SE；
First transmission unit, for sending gathering message to the second digital cash the transaction device；
First receiving unit, for receiving the payment including at least transaction amount of the second digital cash the transaction device transmission
Message；
Adding unit, for increasing the digital cash amount of money in the offline account of beneficiary according to transaction amount.
In one embodiment of the invention, digital cash the transaction device provided in an embodiment of the present invention further include:
First verification unit, for carrying out validation verification to payment message.
In one embodiment of the invention, the first verification unit of the embodiment of the present invention, is specifically used for:
According to the digital signature that payment message includes, validation verification is carried out to payment message.
In one embodiment of the invention, the first verification unit of the embodiment of the present invention, is specifically used for:
According to the gathering message that payment message includes, validation verification is carried out to payment message.
In one embodiment of the invention, the first transmission unit of the embodiment of the present invention, is specifically used for:
Gathering message is sent to the second digital cash the transaction device using close range communication techniques.
Fourth aspect, the embodiment of the present invention provide a kind of digital cash the transaction device, and device includes:
Second receiving unit, for receiving the gathering message of the first digital cash the transaction device transmission；
Second generation unit, for generating the payment report for including at least transaction amount based on the 2nd SE according to gathering message
Text；
Unit is reduced, for reducing the digital cash amount of money in the offline account of paying party according to transaction amount；
Second transmission unit, for Sending Payments message to the first digital cash the transaction device, so that the first digital cash
The transaction device increases the digital cash amount of money in the offline account of beneficiary according to payment message.
In one embodiment of the invention, digital cash the transaction device provided in an embodiment of the present invention further include:
Second verification unit, for carrying out validation verification to gathering message.
In one embodiment of the invention, the second verification unit of the embodiment of the present invention, is specifically used for:
According to the digital signature that gathering message includes, validation verification is carried out to gathering message.
In one embodiment of the invention, the second verification unit of the embodiment of the present invention, is specifically used for:
The time is generated according to the message that gathering message includes, validation verification is carried out to gathering message.
In one embodiment of the invention, digital cash the transaction device provided in an embodiment of the present invention further include:
Third authentication unit, the digital cash gold whether being not more than in the offline account of paying party for verifying transaction amount
Volume.
In one embodiment of the invention, the second transmission unit of the embodiment of the present invention, is specifically used for:
Utilize close range communication techniques Sending Payments message to the first digital cash the transaction device.
5th aspect, the embodiment of the present invention provide a kind of digital cash transaction system, and system includes the above-mentioned third aspect
The digital cash the transaction device of digital cash the transaction device and above-mentioned fourth aspect.
6th aspect, the embodiment of the present invention provide a kind of mobile terminal, and mobile terminal includes the number of SE, the above-mentioned third aspect
The digital cash the transaction device of word moneytary operations device and/or above-mentioned fourth aspect.
Digital cash method of commerce, device, system and the mobile terminal of the embodiment of the present invention, pass through the use to SE, energy
Enough realize the digital cash transaction under the conditions of off-grid off line.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, will make below to required in the embodiment of the present invention
Attached drawing is briefly described, for those of ordinary skill in the art, without creative efforts, also
Other drawings may be obtained according to these drawings without any creative labor.
Fig. 1 shows the structural schematic diagram of digital cash transaction system provided in an embodiment of the present invention；
Fig. 2 shows a kind of flow diagrams of digital cash method of commerce provided in an embodiment of the present invention；
Fig. 3 shows another flow diagram of digital cash method of commerce provided in an embodiment of the present invention；
Fig. 4 shows the calculating equipment that can be realized digital cash method of commerce and device according to an embodiment of the present invention
The structure chart of exemplary hardware architecture.
Specific embodiment
The feature and exemplary embodiment of various aspects of the invention is described more fully below, in order to make mesh of the invention
, technical solution and advantage be more clearly understood, with reference to the accompanying drawings and embodiments, the present invention is further retouched in detail
It states.It should be understood that specific embodiment described herein is only configured to explain the present invention, it is not configured as limiting the present invention.
To those skilled in the art, the present invention can be real in the case where not needing some details in these details
It applies.Below the description of embodiment is used for the purpose of better understanding the present invention to provide by showing example of the invention.
It should be noted that, in this document, relational terms such as first and second and the like are used merely to a reality
Body or operation are distinguished with another entity or operation, are deposited without necessarily requiring or implying between these entities or operation
In any actual relationship or order or sequence.Moreover, the terms "include", "comprise" or its any other variant are intended to
Non-exclusive inclusion, so that the process, method, article or equipment including a series of elements is not only wanted including those
Element, but also including other elements that are not explicitly listed, or further include for this process, method, article or equipment
Intrinsic element.In the absence of more restrictions, the element limited by sentence " including ... ", it is not excluded that including
There is also other identical elements in the process, method, article or equipment of the element.
Currently, the digital cash based on centralization structure of deal trades and based on centralized management distributed transaction structure
Digital cash transaction not can be carried out digital cash transaction under the conditions of off-grid off line.Wherein, off-grid off line refers to that equipment is detached from interconnection
Net or mobile communications network.
To solve the above-mentioned problems, the embodiment of the present invention provides a kind of digital cash method of commerce, device, system and movement
Terminal, to realize the digital cash transaction under the conditions of off-grid off line.
Fig. 1 shows the structural schematic diagram of digital cash transaction system provided in an embodiment of the present invention.Digital cash transaction
System may include: the first digital cash the transaction device 10 and the second digital cash the transaction device 20.
In one embodiment of the invention, the first digital cash the transaction device 10 can be built-in with the first SE, can also be with
It is connect with the first SE.Second digital cash the transaction device 20 can be built-in with the 2nd SE, can also connect with the 2nd SE.
Wherein, SE is usually provided with chip form.To prevent external malice parsing attack, data safety is protected, in chip
In have encryption/decryption logic circuit.Include the private key and digital certificate for transaction in SE.
When SE is built in digital cash the transaction device, SE integrated chip is in digital cash the transaction device.As SE and number
When word moneytary operations device connects, SE chip is present in subscriber identification card (Subscriber Identification
Module, SIM) in integrated chip or it is present in safe digital card (Secure Digital Memory Card, SD) and integrates core
In piece.
Specifically, the first digital cash the transaction device 10, which is based on the first SE, generates gathering message, and the gathering message is sent out
Give the second digital cash the transaction device 20.Second digital cash the transaction device 20 receives the gathering message.
It in one embodiment of the invention, may include transaction amount in the gathering message.It is wrapped when in the gathering message
When including transaction amount, the second digital cash the transaction device 20 extracts transaction amount from the gathering message；By the 2nd SE from pay
Corresponding transaction amount is reduced in the offline account of money side, the 2nd SE is then based on and generates the payment message including transaction amount,
And the payment message is sent to the first digital cash the transaction device 10.
It in one embodiment of the invention, can not include transaction amount in the gathering message.When in the gathering message
When not including transaction amount, the transaction amount that the second digital cash the transaction device 20 is inputted according to paying party user passes through second
SE reduces corresponding transaction amount from the offline account of paying party, is then based on the 2nd SE and generates the payment including transaction amount
Message, and the payment message is sent to the first digital cash the transaction device 10.
First digital cash the transaction device 10 receives the payment message, extracts transaction amount from the payment message；Pass through
First SE increases corresponding transaction amount into the offline account of beneficiary.Wherein, the offline account in the embodiment of the present invention is
The digital cash account managed by SE.
When first digital cash the transaction device 10 is based on the first SE and generates gathering message, the digital certificate that includes by the first SE
Addition is in gathering message, and the private key for including using the first SE generates the corresponding digital signature of gathering message, and by generation
Digital signature addition is in gathering message.
When second digital cash the transaction device 20 generates the payment message including transaction amount based on the 2nd SE, by the 2nd SE
Including digital certificate addition in payment message, and the private key for including using the 2nd SE generates the corresponding number of payment message and signs
Name, and by the addition of the digital signature of generation in payment message.
In order to guarantee that digital cash is traded successfully, need the digital cash amount of money in the offline account of paying party not less than friendship
The easy amount of money, if the digital cash amount of money in the offline account of paying party is less than transaction amount, Fail Transaction.When Fail Transaction,
Second digital cash the transaction device 20 will not feed back payment message to the first digital cash the transaction device 10, will not reduce and pay
The digital cash amount of money in the offline account of money side.
In one embodiment of the invention, digital cash the transaction device can be in the case where non-off-grid, by online account
Digital cash in family is transferred in offline account.Wherein, the online account in the embodiment of the present invention is to be traded by digital cash
Monitoring party server admin digital cash account.Wherein, in the digital cash transaction of centralization structure of deal, monitoring party
It is responsible for management and processing transaction；In the digital cash transaction of centralized management distributed transaction structure, monitoring party is mainly responsible for
Management.
In one embodiment of the invention, digital cash the transaction device can be in the case where non-off-grid, by offline account
Digital cash in family is transferred in online account.
Based on this, the second digital cash the transaction device 20 is generated to include at least based on the 2nd SE and be handed over according to gathering message
Before the payment message of the easy amount of money, the digital cash gold whether transaction amount is not more than in the offline account of paying party can be verified
Volume.If transaction amount is based on the 2nd SE according to gathering message no more than the digital cash amount of money in the offline account of paying party
Generate the payment message for including at least transaction amount.If transaction amount is greater than the digital cash gold in the offline account of paying party
Volume, then can be with balance amount prompting deficiency Fail Transaction, or directly refusal is traded.
In one embodiment of the invention, the second digital cash the transaction device 20 receive gathering message after, into
Before row payment, validation verification can be carried out to the gathering message received.
In one embodiment of the invention, the digital signature that can include according to gathering message, carries out gathering message
Validation verification.
Wherein, digital signature is also known as public key digital signature or Electronic Signature, be information sender generate others can not
The number of segment word string forged.Digital signature is attached to some data in data cell, or to close made by data cell
Code conversion.This data or transformation allow data cell recipient to confirm data cell source and data cell it is complete
Whole property simultaneously protects data, prevents from being distorted and being forged by people.
The simplified process of validation verification is carried out to gathering message using digital signature are as follows: the first digital cash the transaction device
10 private key signatures for including with the first SE by the part (i.e. gathering message text) in message of collecting money except digital signature, generate number
Signature；Gathering message comprising gathering message text and digital signature is sent to the second digital cash the transaction device 20.Second
Digital cash the transaction device 20 is based on the corresponding public key decryptions digital signature of the private key that includes with the first SE, based on information authentication
Mode verifies the validity of digital signature；If it is effective to verify digital signature, then it represents that the second digital cash the transaction device 20 receives
Gathering message be it is complete and effective, do not modified in transmission process；If it is invalid to verify digital signature, then it represents that second
The gathering message that digital cash the transaction device 20 receives is modified.The validity of gathering message is able to verify that by digital signature
And integrality.
In one embodiment of the invention, the message that can also include according to gathering message generates the time, reports to gathering
Text carries out validation verification.
Specifically, assuming that the generation time of gathering message is 13:06:52, Time To Live is 1 minute.If the second number
Word moneytary operations device 20 receives the time of the gathering message within 13:06:53 to 13:07:52, then message of collecting money is effective.
If the second digital cash the transaction device 20 receives the time of the gathering message not within 13:06:53 to 13:07:52, collect money
Message is invalid.Wherein, Time To Live can be defined by monitoring party.
Carrying out validation verification to gathering message includes but is not limited to two ways mentioned above: digital signature and gathering
The message that message includes generates the time.Any available verification mode can be applied in the embodiment of the present invention.
In one embodiment of the invention, 20 Sending Payments message of the second digital cash the transaction device and reception gathering report
Text, using close range communication techniques.Wherein, close range communication techniques include but is not limited to bluetooth (Bluetooth) technology, nothing
Line local area network (Wireless Local Area Networks, WLAN) technology, Wireless Fidelity (Wireless-Fidelity,
Wi-Fi) technology and near-field communication (Near Field Communication, NFC) technology.
In one embodiment of the invention, the form of expression of gathering message and message of paying the bill can be two dimensional code.Pass through
Digital cash transaction is realized to the scanning of two dimensional code.
In one embodiment of the invention, the first digital cash the transaction device 10 is after receiving payment message, in root
According to transaction amount, before increasing the digital cash amount of money in the offline account of beneficiary, the payment message received can be carried out
Validation verification.
In one embodiment of the invention, the digital signature that can include according to payment message, carries out payment message
Validation verification.
The simplified process of validation verification is carried out to payment message using digital signature are as follows: the second digital cash the transaction device
20 private key signatures for including with the 2nd SE by the part (i.e. payment message text) in message of paying the bill except digital signature, generate number
Signature；Payment message comprising payment message text and digital signature is sent to the first digital cash the transaction device 10.First
Digital cash the transaction device 10 is based on the corresponding public key decryptions digital signature of the private key that includes with the 2nd SE, based on information authentication
Mode verifies the validity of digital signature, if verifying digital signature is effective, then it represents that the first digital cash the transaction device 10 receives
Payment message be it is complete and effective, do not modified in transmission process；If it is invalid to verify digital signature, then it represents that first
The payment message that digital cash the transaction device 10 receives is modified.The validity of payment message is able to verify that by digital signature
And integrality.
In one embodiment of the invention, can also according to the payment message gathering message that include, to payment message into
Row validation verification.
In one embodiment of the invention, gathering message may include the digital certificate that the first SE includes.First number
Moneytary operations device 10 extracts digital certificate from the gathering message for including in payment message after receiving the payment message；
Judge the digital certificate whether digital certificate extracted includes with the first SE；If the number that the digital certificate and the first SE that extract include
Word certificate, then it represents that the gathering message for including in payment message is sent by the first digital cash the transaction device 10, is only determined and is paid
Money message is effective.
In one embodiment of the invention, the message that can also include according to payment message generates the time, reports to payment
Text carries out validation verification.
Specifically, assuming that the generation time of payment message is 13:06:52, Time To Live is 1 minute.If the first number
Word moneytary operations device 10 receives the time of the payment message within 13:06:53 to 13:07:52, then message of paying the bill is effective.
If the first digital cash the transaction device 10 receives the time of the payment message not within 13:06:53 to 13:07:52, pay the bill
Message is invalid.
Carrying out validation verification to payment message includes but is not limited to three kinds of modes mentioned above: digital signature, payment
The gathering message and message that message includes generate the time.Any available verification mode can be applied in the embodiment of the present invention.
In one embodiment of the invention, the first digital cash the transaction device 10 sends gathering message and receives payment report
Text, using close range communication techniques.Wherein, close range communication techniques include but is not limited to Bluetooth technology, WLAN skill
Art, Wi-Fi technology and NFC technique.
In one embodiment of the invention, the first digital cash the transaction device 10 verify the payment message it is effective after,
Transaction amount is extracted from the payment message；Judge whether extracted transaction amount is not less than in the gathering message transmitted by it
Transaction amount；It, can be with if judging the transaction amount that extracted transaction amount is less than in the gathering message transmitted by it
Payment amount mistake is prompted, is please paid again, or directly refusal transaction.
Based on foregoing description, the format of gathering message provided in an embodiment of the present invention can be as shown in table 1.
Table 1
Based on foregoing description, the format of payment message provided in an embodiment of the present invention can be as shown in table 2.
Table 2
It is understood that above-mentioned first digital cash the transaction device 10 is the beneficiary device in process of exchange, on
Stating the second digital cash the transaction device 20 is the paying party device in process of exchange.
Based on foregoing description, the first digital cash the transaction device 10 in the embodiment of the present invention may include: the first generation
Unit 101, the first transmission unit 102, the first receiving unit 103 and adding unit 104.
First generation unit 101, for generating gathering message based on the first SE；
First transmission unit 102, for sending gathering message to the second digital cash the transaction device 20；
First receiving unit 103, for receive the second digital cash the transaction device 20 transmission include at least transaction amount
Payment message；
Adding unit 104, for increasing the digital cash amount of money in the offline account of beneficiary according to transaction amount.
In one embodiment of the invention, the first digital cash the transaction device 10 in the embodiment of the present invention can also wrap
It includes:
First verification unit 105, for carrying out validation verification to payment message.
In one embodiment of the invention, the first verification unit 105 of the embodiment of the present invention, specifically can be used for:
According to the digital signature that payment message includes, validation verification is carried out to payment message.
In one embodiment of the invention, the first verification unit 105 of the embodiment of the present invention, specifically can be used for:
According to the gathering message that payment message includes, validation verification is carried out to payment message.
In one embodiment of the invention, the first transmission unit 101 of the embodiment of the present invention, specifically can be used for:
Gathering message is sent to the second digital cash the transaction device 20 using close range communication techniques.
Based on foregoing description, the second digital cash the transaction device 20 in the embodiment of the present invention may include: the second reception
Unit 201, reduces unit 203 and the second transmission unit 204 at second generation unit 202.
Second receiving unit 201, for receiving the gathering message of the first digital cash the transaction device 10 transmission；
Second generation unit 202, for generating the payment for including at least transaction amount based on the 2nd SE according to gathering message
Message；
Unit 203 is reduced, for reducing the digital cash amount of money in the offline account of paying party according to transaction amount；
Second transmission unit 204, for Sending Payments message to the first digital cash the transaction device 10, so that the first number
Moneytary operations device 10 increases the digital cash amount of money in the offline account of beneficiary according to payment message.
In one embodiment of the invention, the second digital cash the transaction device 20 in the embodiment of the present invention can also wrap
It includes:
Second verification unit 205, for carrying out validation verification to gathering message.
In one embodiment of the invention, the second verification unit 205 of the embodiment of the present invention, specifically can be used for:
According to the digital signature that gathering message includes, validation verification is carried out to gathering message.
In one embodiment of the invention, the second verification unit 205 of the embodiment of the present invention, specifically can be used for:
The time is generated according to the message that gathering message includes, validation verification is carried out to gathering message.
In one embodiment of the invention, digital cash the transaction device 20 provided in an embodiment of the present invention can also wrap
It includes:
Third authentication unit 206, the digital goods whether being not more than in the offline account of paying party for verifying transaction amount
The coin amount of money.
In one embodiment of the invention, the second transmission unit 204 of the embodiment of the present invention, is specifically used for:
Utilize close range communication techniques Sending Payments message to the first digital cash the transaction device 10.
According to embodiments of the present invention, by the use to SE, it can be realized the digital cash transaction under the conditions of off-grid off line.
Based on the above process, the digital cash provided in an embodiment of the present invention for being applied to the first digital cash the transaction device 10
Method of commerce can be summarized as step shown in Fig. 2.Fig. 2 shows digital cash method of commerce provided in an embodiment of the present invention
A kind of flow diagram.Digital cash method of commerce may include:
S201: gathering message is generated based on the first SE.
S202: gathering message is sent to the second digital cash the transaction device.
S203: the payment message including at least transaction amount that the second digital cash the transaction device is sent is received.
S204: according to transaction amount, increase the digital cash amount of money in the offline account of beneficiary.
In one embodiment of the invention, according to transaction amount, increase the digital goods in the offline account of beneficiary
Before the coin amount of money, digital cash method of commerce provided in an embodiment of the present invention can also include: to carry out validity to payment message
Verifying.
In one embodiment of the invention, validation verification is carried out to payment message, may include:
According to the digital signature that payment message includes, validation verification is carried out to payment message.
In one embodiment of the invention, validation verification is carried out to payment message, may include:
According to the gathering message that payment message includes, validation verification is carried out to payment message.
In one embodiment of the invention, gathering message is sent to the second digital cash the transaction device, may include:
Gathering message is sent to the second digital cash the transaction device using close range communication techniques.
Based on the above process, the digital cash provided in an embodiment of the present invention for being applied to the second digital cash the transaction device 20
Method of commerce can be summarized as step shown in Fig. 3.Fig. 3 shows digital cash method of commerce provided in an embodiment of the present invention
Another flow diagram.Digital cash method of commerce may include:
S301: the gathering message that the first digital cash the transaction device is sent is received.
S302: according to gathering message, the payment message for including at least transaction amount is generated based on the 2nd SE.
S303: according to transaction amount, the digital cash amount of money in the offline account of paying party is reduced.
S304: Sending Payments message to the first digital cash the transaction device so that the first digital cash the transaction device according to
Payment message, increases the digital cash amount of money in the offline account of beneficiary.
In one embodiment of the invention, it according to gathering message, is generated based on the 2nd SE and includes at least transaction amount
Payment message before, digital cash method of commerce provided in an embodiment of the present invention can also include: to gathering message have
The verifying of effect property.
In one embodiment of the invention, validation verification is carried out to gathering message, may include:
According to the digital signature that gathering message includes, validation verification is carried out to gathering message.
In one embodiment of the invention, validation verification is carried out to gathering message, may include:
The time is generated according to the message that gathering message includes, validation verification is carried out to gathering message.
In one embodiment of the invention, it according to gathering message, is generated based on the 2nd SE and includes at least transaction amount
Payment message before, digital cash method of commerce provided in an embodiment of the present invention can also include:
Whether verifying transaction amount is not more than the digital cash amount of money in the offline account of paying party.
In one embodiment of the invention, Sending Payments message may include: to the first digital cash the transaction device
Utilize close range communication techniques Sending Payments message to the first digital cash the transaction device.
The embodiment of the present invention also provides a kind of mobile terminal, which includes SE, the first digital cash the transaction device
And/or the second digital cash the transaction device.
When the mobile terminal includes SE and the first digital cash the transaction device, which only has gathering functions.
When the mobile terminal includes SE and the second digital cash the transaction device, which only has payment function.
When the mobile terminal includes SE, the first digital cash the transaction device and the second digital cash the transaction device, the shifting
Dynamic terminal only has gathering functions but also with payment function.
Fig. 4 shows the calculating equipment that can be realized digital cash method of commerce and device according to an embodiment of the present invention
The structure chart of exemplary hardware architecture.As shown in figure 4, calculating equipment 400 includes input equipment 401, input interface 402, center
Processor 403, memory 404, output interface 405 and output equipment 406.Wherein, input interface 402, central processing unit
403, memory 404 and output interface 405 are connected with each other by bus 410, and input equipment 401 and output equipment 406 are distinguished
It is connect by input interface 402 and output interface 405 with bus 410, and then is connect with the other assemblies for calculating equipment 400.
Specifically, input equipment 401 is received from external input information, and will input information by input interface 402
It is transmitted to central processing unit 403；Central processing unit 403 is based on the computer executable instructions stored in memory 404 to input
Information is handled to generate output information, and output information is temporarily or permanently stored in memory 404, is then passed through
Output information is transmitted to output equipment 406 by output interface 405；Output information is output to and calculates equipment 400 by output equipment 406
Outside for users to use.
That is, calculating equipment shown in Fig. 4 also may be implemented as digital cash traction equipment, which is handed over
Easy equipment may include: the memory for being stored with computer executable instructions；And processor, the processor are executing computer
The number for combining the first digital cash the transaction device provided in an embodiment of the present invention and Fig. 2 to describe may be implemented when executable instruction
The digital cash counterparty of moneytary operations method or the second digital cash the transaction device provided in an embodiment of the present invention and Fig. 3 description
Method.
The embodiment of the present invention also provides a kind of computer readable storage medium, is stored on the computer readable storage medium
Computer program instructions；The computer program instructions are realized when being executed by processor provided in an embodiment of the present invention is applied to first
The digital cash method of commerce of digital cash the transaction device or applied to the second digital cash the transaction device digital cash trade
Method.
It should be clear that the invention is not limited to specific configuration described above and shown in figure and processing.
For brevity, it is omitted here the detailed description to known method.In the above-described embodiments, several tools have been described and illustrated
The step of body, is as example.But method process of the invention is not limited to described and illustrated specific steps, this field
Technical staff can be variously modified, modification and addition after understanding spirit of the invention, or suitable between changing the step
Sequence.
Functional block shown in structures described above block diagram can be implemented as hardware, software, firmware or their group
It closes.When realizing in hardware, it may, for example, be electronic circuit, specific integrated circuit (ASIC), firmware appropriate, insert
Part, function card etc..When being realized with software mode, element of the invention is used to execute program or the generation of required task
Code section.Perhaps code segment can store in machine readable media program or the data-signal by carrying in carrier wave is passing
Defeated medium or communication links are sent." machine readable media " may include any medium for capableing of storage or transmission information.
The example of machine readable media includes electronic circuit, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), soft
Disk, CD-ROM, CD, hard disk, fiber medium, radio frequency (RF) link, etc..Code segment can be via such as internet, inline
The computer network of net etc. is downloaded.
It should also be noted that, the exemplary embodiment referred in the present invention, is retouched based on a series of step or equipment
State certain methods or system.But the present invention is not limited to the sequence of above-mentioned steps, that is to say, that can be according in embodiment
The sequence referred to executes step, may also be distinct from that the sequence in embodiment or several steps are performed simultaneously.
The above description is merely a specific embodiment, it is apparent to those skilled in the art that,
For convenience of description and succinctly, the system, module of foregoing description and the specific work process of unit can refer to preceding method
Corresponding process in embodiment, details are not described herein.It should be understood that scope of protection of the present invention is not limited thereto, it is any to be familiar with
Those skilled in the art in the technical scope disclosed by the present invention, can readily occur in various equivalent modifications or substitutions,
These modifications or substitutions should be covered by the protection scope of the present invention.
Claims (24)
1. a kind of digital cash method of commerce, which is characterized in that the described method includes:
Gathering message is generated based on the first safe unit SE；
The gathering message is sent to the second digital cash the transaction device；
Receive the payment message including at least transaction amount that the second digital cash the transaction device is sent；
According to the transaction amount, increase the digital cash amount of money in the offline account of beneficiary.
2. the method according to claim 1, wherein increasing beneficiary according to the transaction amount described
Before the digital cash amount of money in offline account, the method also includes:
Validation verification is carried out to the payment message.
3. according to the method described in claim 2, it is characterized in that, described carry out validation verification, packet to the payment message
It includes:
According to the digital signature that the payment message includes, validation verification is carried out to the payment message.
4. according to the method described in claim 2, it is characterized in that, described carry out validation verification, packet to the payment message
It includes:
According to the gathering message that the payment message includes, validation verification is carried out to the payment message.
5. the method according to claim 1, wherein the gathering message to second digital cash that sends is handed over
Easy device, comprising:
The gathering message is sent to the second digital cash the transaction device using close range communication techniques.
6. a kind of digital cash method of commerce, which is characterized in that the described method includes:
Receive the gathering message of the first digital cash the transaction device transmission；
According to the gathering message, the payment message for including at least transaction amount is generated based on the second safe unit SE；
According to the transaction amount, the digital cash amount of money in the offline account of paying party is reduced；
The payment message is sent to the first digital cash the transaction device, so that the first digital cash the transaction device root
According to the payment message, increase the digital cash amount of money in the offline account of beneficiary.
7. according to the method described in claim 6, it is characterized in that, described according to the gathering message, based on the second safety
Before cell S E generates the payment message for including at least transaction amount, the method also includes:
Validation verification is carried out to the gathering message.
8. the method according to the description of claim 7 is characterized in that described carry out validation verification, packet to the gathering message
It includes:
According to the digital signature that the gathering message includes, validation verification is carried out to the gathering message.
9. the method according to the description of claim 7 is characterized in that described carry out validation verification, packet to the gathering message
It includes:
The time is generated according to the message that the gathering message includes, validation verification is carried out to the gathering message.
10. according to the method described in claim 6, it is characterized in that, described according to the gathering message, based on the second safety
Before cell S E generates the payment message for including at least transaction amount, the method also includes:
Verify the digital cash the amount of money whether transaction amount is not more than in the offline account of the paying party.
11. according to the method described in claim 6, it is characterized in that, described send the payment message to first number
Moneytary operations device, comprising:
The payment message is sent to the first digital cash the transaction device using close range communication techniques.
12. a kind of digital cash the transaction device, which is characterized in that described device includes:
First generation unit, for generating gathering message based on the first safe unit SE；
First transmission unit, for sending the gathering message to the second digital cash the transaction device；
First receiving unit, the payment including at least transaction amount sent for receiving the second digital cash the transaction device
Message；
Adding unit, for increasing the digital cash amount of money in the offline account of beneficiary according to the transaction amount.
13. device according to claim 12, which is characterized in that described device further include:
First verification unit, for carrying out validation verification to the payment message.
14. device according to claim 13, which is characterized in that first verification unit is specifically used for:
According to the digital signature that the payment message includes, validation verification is carried out to the payment message.
15. device according to claim 13, which is characterized in that first verification unit is specifically used for:
According to the gathering message that the payment message includes, validation verification is carried out to the payment message.
16. device according to claim 12, which is characterized in that first transmission unit is specifically used for:
The gathering message is sent to the second digital cash the transaction device using close range communication techniques.
17. a kind of digital cash the transaction device, which is characterized in that described device includes:
Second receiving unit, for receiving the gathering message of the first digital cash the transaction device transmission；
Second generation unit, for being generated based on the second safe unit SE and including at least transaction amount according to the gathering message
Payment message；
Unit is reduced, for reducing the digital cash amount of money in the offline account of paying party according to the transaction amount；
Second transmission unit, for sending the payment message to the first digital cash the transaction device, so that described first
Digital cash the transaction device increases the digital cash amount of money in the offline account of beneficiary according to the payment message.
18. device according to claim 17, which is characterized in that described device further include:
Second verification unit, for carrying out validation verification to the gathering message.
19. device according to claim 18, which is characterized in that second verification unit is specifically used for:
According to the digital signature that the gathering message includes, validation verification is carried out to the gathering message.
20. device according to claim 18, which is characterized in that second verification unit is specifically used for:
The time is generated according to the message that the gathering message includes, validation verification is carried out to the gathering message.
21. device according to claim 17, which is characterized in that described device further include:
Third authentication unit, the digital goods whether being not more than in the offline account of the paying party for verifying the transaction amount
The coin amount of money.
22. device according to claim 17, which is characterized in that second transmission unit is specifically used for:
The payment message is sent to the first digital cash the transaction device using close range communication techniques.
23. a kind of digital cash transaction system, which is characterized in that it is described in any item that the system comprises claims 12 to 16
Digital cash the transaction device and the described in any item digital cash the transaction devices of claim 17 to 22.
24. a kind of mobile terminal, which is characterized in that the mobile terminal includes that safe unit SE, claim 12 to 16 are any
Digital cash the transaction device and/or the described in any item digital cash the transaction devices of claim 17 to 22 described in.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810581006.0A CN108985928A (en) | 2018-06-07 | 2018-06-07 | Digital cash method of commerce, device, system and mobile terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810581006.0A CN108985928A (en) | 2018-06-07 | 2018-06-07 | Digital cash method of commerce, device, system and mobile terminal |
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| CN108985928A true CN108985928A (en) | 2018-12-11 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810581006.0A Pending CN108985928A (en) | 2018-06-07 | 2018-06-07 | Digital cash method of commerce, device, system and mobile terminal |
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| CN111523869A (en) * | 2020-04-09 | 2020-08-11 | 天地融科技股份有限公司 | Off-line transaction method and system for digital currency |
| CN111915283A (en) * | 2019-05-09 | 2020-11-10 | 天地融科技股份有限公司 | Off-line electronic money payment method and device |
| CN111915282A (en) * | 2019-05-09 | 2020-11-10 | 天地融科技股份有限公司 | Off-line electronic money receiving method and device |
| CN111915431A (en) * | 2019-05-09 | 2020-11-10 | 天地融科技股份有限公司 | Off-line electronic money transaction method and system |
| WO2021008325A1 (en) * | 2019-07-17 | 2021-01-21 | 天地融科技股份有限公司 | Offline transaction method and system based on electronic cash |
| CN112613864A (en) * | 2020-12-31 | 2021-04-06 | 天地融科技股份有限公司 | Method and system for oriented transaction of digital currency |
| CN112734415A (en) * | 2020-12-31 | 2021-04-30 | 深圳市证通电子股份有限公司 | Method, terminal, device and computer readable storage medium for collecting digital currency |
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