CN109636383A - A kind of digital asset off-network method of commerce, system, a kind of off line wallet and terminal - Google Patents
A kind of digital asset off-network method of commerce, system, a kind of off line wallet and terminal Download PDFInfo
- Publication number
- CN109636383A CN109636383A CN201811556227.9A CN201811556227A CN109636383A CN 109636383 A CN109636383 A CN 109636383A CN 201811556227 A CN201811556227 A CN 201811556227A CN 109636383 A CN109636383 A CN 109636383A
- Authority
- CN
- China
- Prior art keywords
- transaction
- information
- accounts
- account
- receiving end
- Prior art date
- 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.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 68
- 238000012546 transfer Methods 0.000 claims abstract description 101
- 230000000977 initiatory effect Effects 0.000 claims abstract description 18
- 238000004891 communication Methods 0.000 claims abstract description 13
- 230000006870 function Effects 0.000 claims description 34
- 230000008569 process Effects 0.000 claims description 30
- 230000005540 biological transmission Effects 0.000 claims description 18
- 238000003860 storage Methods 0.000 claims description 15
- 230000002159 abnormal effect Effects 0.000 claims description 10
- 230000009286 beneficial effect Effects 0.000 abstract description 2
- 238000001629 sign test Methods 0.000 description 10
- 238000010586 diagram Methods 0.000 description 9
- 230000006855 networking Effects 0.000 description 8
- 230000006399 behavior Effects 0.000 description 5
- 238000001514 detection method Methods 0.000 description 5
- 239000003999 initiator Substances 0.000 description 5
- 238000012545 processing Methods 0.000 description 4
- 230000000694 effects Effects 0.000 description 3
- 108010001267 Protein Subunits Proteins 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000011664 signaling Effects 0.000 description 2
- 241001062009 Indigofera Species 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 238000013500 data storage Methods 0.000 description 1
- 238000000151 deposition Methods 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 238000005242 forging Methods 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
- 229910052737 gold Inorganic materials 0.000 description 1
- 230000014759 maintenance of location Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 230000005055 memory storage Effects 0.000 description 1
- 230000002085 persistent effect Effects 0.000 description 1
- 238000002360 preparation method Methods 0.000 description 1
- 230000000750 progressive effect Effects 0.000 description 1
- 230000001502 supplementing effect Effects 0.000 description 1
- 230000004083 survival effect Effects 0.000 description 1
- 230000009466 transformation Effects 0.000 description 1
Classifications
-
- 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
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
Abstract
The invention discloses a kind of digital asset off-network method of commerce, are related to computer field, comprising: when off line wallet receives transfer request, the near field for receiving end of initiating and transfer accounts is connected；After the successful connection of near field, the account information for receiving end of transferring accounts is obtained by near-field communication；According to account information and user transfer accounts demand generate transaction request information；Originating end signature is carried out to transaction request information, and the transaction data generated after signature is sent to receiving end of transferring accounts；Transaction Information updates local account information and transaction record based on the received；Wherein, Transaction Information generates after carrying out receiving end signature to transaction data by receiving end of transferring accounts；When network quality reaches trade network demand, transaction record is sent to account platform.Flow of fund between the user of off line wallet may be implemented in digital asset off-network method of commerce provided by the invention.The present invention also provides a kind of off line wallet, digital asset off-network transaction system and a kind of terminals, have above-mentioned beneficial effect.
Description
Technical field
The present invention relates to computer field, more particularly to a kind of digital asset off-network method of commerce, a kind of off line wallet,
A kind of digital asset off-network transaction system and a kind of terminal.
Background technique
The just deep production and life style for changing the mankind of digital economy, becomes the new kinetic energy of economic growth, and
Digital asset need to trade at digital wallet end.The wallet of digital asset user side is divided into online wallet and off line wallet.?
Line wallet is usually platform book keeping operation, and real-time synchronization, user requires to join with trade company and user with user in process of exchange
Machine, is limited by network influence, and trading efficiency is low.For the limitation for avoiding network, off line wallet is widely applied.
Off line wallet allows the consumption of user and trade company, i.e. offline mode can be used during supplementing with money to trade company in user
It trades, but transferring accounts between user, both sides are personal behavior, and centre can be handed over user without third party authoritative institution
Easily assured.Whether transaction finally successfully depends entirely on whether the transaction record signature generated in both sides' process of exchange closes
Method.Process of exchange need to give in both parties' online completion transaction and sign test after, transaction is just finally completed.It therefore can not between user
Transferred accounts and traded offline, the networking requirement traded between user limit flow of fund between user and user and trade company it
Between role transformation, improve the development threshold of trade company.
Therefore, how to realize flow of fund between the user of off line wallet, be those skilled in the art's urgent problem to be solved.
Summary of the invention
The purpose of the embodiment of the present invention is that providing a kind of digital asset off-network method of commerce, the use of off line wallet may be implemented
Flow of fund between family.
In order to solve the above technical problems, the embodiment of the present invention provides a kind of digital asset off-network method of commerce, comprising:
When off line wallet receives transfer request, the near field for receiving end of initiating and transfer accounts is connected；
After the successful connection of near field, by near-field communication obtain described in transfer accounts the account information of receiving end；
According to the account information and user transfer accounts demand generate transaction request information；
Originating end signature is carried out to the transaction request information, and the transaction data generated after signature is sent to described turn
Account receiving end；
Transaction Information updates local account information and transaction record based on the received；Wherein, the Transaction Information is by institute
It states after receiving end of transferring accounts carries out receiving end signature to the transaction data and generates；
When network quality reaches trade network demand, the transaction record is sent to account platform, so as to the account
Platform is according to the transaction record more New Transaction background account information.
Preferably, the digital asset off-network method of commerce further include:
If having updated current transaction in background account information, transaction record is emptied.
Preferably, the initiation is connect with the near field for receiving end of transferring accounts, comprising:
Detect the open state of the pre-set default optimal near-field linkage function of the both sides that transfer accounts；
If the default optimal near-field linkage function for the both sides that transfer accounts is opened, pass through default optimal near-field linkage function connection
Transfer accounts both sides.
Preferably, the digital asset off-network method of commerce further include:
If the default near field linkage function for the both sides that transfer accounts is not opened, detect whether to open in the presence of the both sides that transfer accounts non-
Default near field linkage function；
The both sides if it does, the non-default near field linkage function connection opened by both sides is transferred accounts.
Preferably, the digital asset off-network method of commerce further include:
If the default near field linkage function for the both sides that transfer accounts is not opened, starting default connection prompt is exported to non-opening square
Information, so that the non-opening square opens the connection of default near field in time.
Preferably, before the off line wallet receives the transfer request of user, further includes:
If defeated when near field connection is abnormal before the Transaction Information of the side of transferring accounts described in generation and recipient's Transaction Information
Abnormal prompt information is connected, out so that user adjusts near field connection status in time；
If near field connection restores normal, continuous business process.
The present invention discloses a kind of off line wallet, comprising:
Unit is initiated in connection, and when for receiving transfer request, the near field for receiving end of initiating and transfer accounts is connected；
Account information acquiring unit, for after the successful connection of near field, by near-field communication obtain described in transfer accounts receiving end
Account information；
Transaction request generation unit, for according to the account information and user transfer accounts demand generate transaction request letter
Breath；
Trading signature unit, for carrying out originating end signature, and the friendship that will be generated after signature to the transaction request information
Easy data are sent to the receiving end of transferring accounts；
Off line account updating unit, is used for
Transaction Information updates local account information and transaction record based on the received；Wherein, the Transaction Information is by institute
It states after receiving end of transferring accounts carries out receiving end signature to the transaction data and generates；
Transaction record transmission unit, for when network quality reaches trade network demand, send to account platform described in
Transaction record, so that the account platform is according to the transaction record more New Transaction background account information.
The present invention discloses a kind of digital asset off-network transaction system, comprising:
It transfers accounts and initiates off line wallet, when for receiving transfer request, the near field for receiving end of initiating and transfer accounts is connected；Near field
After successful connection, by near-field communication obtain described in transfer accounts the account information of receiving end；According to the account information and user
Demand of transferring accounts generates transaction request information；Originating end signature, and the friendship that will be generated after signature are carried out to the transaction request information
Easy data are sent to the receiving end of transferring accounts；Transaction Information updates local account information and transaction record based on the received；Its
In, the Transaction Information generates after carrying out receiving end signature to the transaction data by the receiving end of transferring accounts；Work as network quality
When reaching trade network demand, the transaction record is sent to account platform, so that the account platform is remembered according to the transaction
Record more New Transaction background account information；
It transfers accounts and receives off line wallet, for carrying out receiving end label to received transaction data according to the certificate of fair of storage
Name generates Transaction Information, and initiates the off line wallet transmission Transaction Information to transferring accounts, and is updated according to the Transaction Information local
Account information and transaction record；
Account platform, for according to the transaction record more New Transaction background account information received.
Preferably, the purpose off line wallet of transferring accounts is also used to: when network quality reaches trade network demand, to account
Platform sends the transaction record.
The present invention discloses a kind of terminal, comprising:
Memory, for storing program；
Processor, the step of digital asset off-network method of commerce is realized when for executing described program.Transaction request
Generation unit digital asset off-network method of commerce provided by the invention it can be seen from above-mentioned technical proposal, in the both sides of transaction
When being in off-network state, the transmission of both sides' transaction data is carried out by near-field communication technology, in transaction of the side of transferring accounts to generation
Solicited message generates the transaction data that the side of transferring accounts authenticates after being signed, and is sent to the verifying that recipient trades, and transfers accounts
Behavior belongs to both sides' behavior, can produce transaction after both parties pass through transaction data authentication, and the side of transferring accounts generates data
Process realize certification of the side of transferring accounts to transaction data, transaction data is sent to the process that Transaction Information is generated behind receiving end
Certification of the recipient to transaction data is realized, the transaction registration of off line wallet is realized under conditions of both parties approve, more
New local account information, realizes flow of fund between the user of off line wallet, only need to above deliver easily when having networking condition
Information is to account platform, the account information of platform more new record both sides.
Therefore, digital asset off-network method of commerce provided by the invention realizes the off-network transaction of off line wallet, solves
Off line cafe user can only carry out consumption recharging payment in the pos of merchant end, not be available the problem of off line wallet is transferred accounts.
Simultaneously by way of this off line book keeping operation, the condition limitation that user needs to network in process of exchange is relieved, transaction effect is improved
Rate.
The embodiment of the present invention also provides a kind of off line wallet, a kind of digital asset off-network transaction system and a kind of terminal, tool
There is above-mentioned beneficial effect, details are not described herein.
Detailed description of the invention
In order to illustrate the embodiments of the present invention more clearly, attached drawing needed in the embodiment will be done simply below
It introduces, it should be apparent that, drawings in the following description are only some embodiments of the invention, for ordinary skill people
For member, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of signaling diagram of digital asset off-network method of commerce provided in an embodiment of the present invention；
Fig. 2 is a kind of structural schematic diagram of off line wallet provided in an embodiment of the present invention；
Fig. 3 is a kind of structural schematic diagram of digital asset off-network transaction system provided in an embodiment of the present invention；
Fig. 4 is a kind of structural schematic diagram of terminal device provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, rather than whole embodiments.Based on this
Embodiment in invention, those of ordinary skill in the art are without making creative work, obtained every other
Embodiment belongs to the scope of the present invention.
In order to enable those skilled in the art to better understand the solution of the present invention, with reference to the accompanying drawings and detailed description
The present invention is described in further detail.
Next, digital asset off-network method of commerce provided by the embodiment of the present invention is discussed in detail.Fig. 1 is that the present invention is real
A kind of signaling diagram of digital asset off-network method of commerce of example offer is applied, this method specifically includes that
Step s111: it transfers accounts and initiates off line wallet reception transfer request.
Money transfer transactions between general user carry out under connected state, certainly, partial region (for example bus is interior, tunnel
In road) or state under (such as phone network abnormal) network state potentially unstable, cannot achieve function of normally transferring accounts online,
In this case user have digital asset transfer accounts demand when, start digital asset wallet off line wallet function, off-network shape
State refers to that both parties are not in connected state, such as when user A needs to transfer accounts to user B, in user A and user B extremely
Rare one end is in off-network state.
Step s112: transfer accounts initiate off line wallet initiation connect with the near field for receiving end of transferring accounts.
When transfer accounts initiate off line wallet and receive the transfer request of user when, the near field connection for receiving end of initiating and transfer accounts,
To carry out the data transmission of both parties, the network demand for avoiding data from transmitting by the near field transmission of both parties.It is right at this
Near field connection type without limitation, such as can be with SIM card, and the safety chip of IC card and mobile phone terminal is carrying carrier, is realized
The near-field communications such as bluetooth, NFC protocol.
Near field connection type there are many may integrating in one equipment, the present embodiment is near field connection type in the case of this kind
Selection without limitation, can be set when registering digital asset wallet one of which as default connection mode, open transaction pair
The default connection of side；Near field connection types various in both parties' equipment can also be traversed, judge whether there is and locate
It is connected in the near field of open state, if it does, carrying out the transmission etc. of transaction data as intercommunication mode.For as far as possible
The memory and time for reducing connection type selection course occupy, and improve joint efficiency, guarantee connection effect, it is preferable that can be with
It is default connection by presetting the excellent near field connection type of switching performance in equipment, transaction data is carried out with default connection
Transmission, then receiving end of initiating and transfer accounts near field connection can specifically include following steps:
Detect the open state of the pre-set default optimal near-field linkage function of the both sides that transfer accounts；
If the default optimal near-field linkage function for the both sides that transfer accounts is opened, pass through default optimal near-field linkage function connection
Transfer accounts both sides.
Wherein, if the default near field linkage function for the both sides that transfer accounts is not opened, to realize transaction transfer procedure as far as possible
Automation, it is preferable that preferred can detect whether there is the non-default near field linkage function that the both sides that transfer accounts open；If deposited
It transfers accounts both sides in, the non-default near field linkage function opened by both sides connection.
If the default near field linkage function for the both sides that transfer accounts is not opened, at this point, both parties not can connect it is close
Field connection type need to remind user to open near field connection in time, it is preferable that can export starting default connection to non-opening square and mention
Show information, so that non-opening square opens the connection of default near field in time.
Step s113: it transfers accounts after initiating off line wallet and transferring accounts and receive the near field successful connection of off line wallet, transfers accounts and initiate to take off
Machine wallet obtains the account information for receiving end of transferring accounts by near-field communication.
It transfers accounts after initiating off line wallet and transferring accounts and receive the near field successful connection of off line wallet, obtains the account for receiving end of transferring accounts
Information, to know destination of transferring accounts, to generate transaction data.Wherein, account information generally comprises the account for receiving end of transferring accounts
Family ID is used to indicate destination of transferring accounts, other for assisting the account information traded it is not limited here, can be according to friendship
Easily need to carry out the acquisition of account data.
It should be noted that both parties need to keep near field connection status in the transmission process for carrying out transaction data, directly
Sign test is carried out to transaction data to both parties, both sides can disconnect after obtaining transaction data (step 123).
If midway both sides connect abnormal so that can not continue data transmission, current trading activity can be interrupted, until both sides
Connection normally restarts process of exchange；Current transaction can also be suspended, and to the intermediate data storage of generation, to both sides near field
Continue current transaction when connecting normal.For the stability and timeliness for guaranteeing transaction, it is preferable that if in the transaction of the generation side of transferring accounts
Before information and recipient's Transaction Information, when near field connection is abnormal, connection abnormal prompt information, such as output " indigo plant can be exported
Tooth disconnecting please restart bluetooth ", so that user adjusts near field connection status in time, once connection restores normal, continue current
The transaction of interruption can delete the intermediate data of storage, after completion of transactions to avoid the extra occupancy to memory.
Step s114: transfer accounts initiate off line wallet according to account information and user transfer accounts demand generate transaction request letter
Breath.
The format of transaction request information can be with sets itself, wherein needing includes transfer accounts account information, the trade gold of initiator
The information such as volume can further include the information such as exchange hour and transaction journal number.
Step s115: it transfers accounts and initiates off line wallet to transaction request information progress originating end signature, generate transaction data.
Transaction request information also needs to carry out sign test after transaction initiator generates, to the transaction request information of generation according to depositing
The certificate of fair of storage is signed, and to show certification of the originating end to transaction data of transferring accounts, specific signature process is referred to existing
There is process of exchange, specific details are not described herein.Transaction data also needs after initiator's sign test of trading by receiving end of transferring accounts
Transaction sign test, avoids transaction record caused by unilateral authentication from forging situation, guarantees the safety of process of exchange.
Step s116: it transfers accounts and initiates off line wallet transaction data is sent to receiving end of transferring accounts.
Step s122: it transfers accounts and receives off line wallet to transaction data progress receiving end signature, generate Transaction Information.
The process for carrying out receiving end sign test is similar with the process of above-mentioned carry out originating end sign test, and receiving end of transferring accounts is according to storage
Certificate of fair to originating end signature after transaction data carry out sign test, generate the Transaction Information of mutual authentication, detailed process can
It is cross-referenced with originating end sign test process.
Transaction Information is mainly used for the instruction in networking and updates both parties' account information, before networking is updated with background synchronization
The update of background account when need to store to network, Transaction Information can store before background account update in transferring accounts initiator's
Off line account can also be stored in the off line account of transfer accounts initiator and the recipient that transfers accounts simultaneously.On backstage, trading account is more
After new, the record of local whole Transaction Informations can be emptied, to reduce EMS memory occupation, it is not limited here.Preferably, if after
Current transaction has been updated in platform account information, can empty transaction record.
Step s123: transferring accounts receives off line wallet Transaction Information is sent to account platform.
When network quality reaches trade network demand, to account platform send transaction record, so as to account platform according to
Transaction record more New Transaction background account information confirms the money transfer transactions process to realize to send.
Step s124: it transfers accounts and receives off line wallet update local account information and transaction record.
Since current device is in not connected state, therefore, it is necessary to update both parties' using the transaction data generated
Local account information, to realize the registration of money transfer transactions.The information type of the record of Transaction Information and it is various without limitation, can
Record is distinguished to the process of exchange of every money transfer transactions to realize.It is recorded as shown in table 1 below for a kind of Transaction Information
Format.Wherein, transaction tac is used to guarantee the integrality of transaction, and transaction journal number, transaction deduction side's account ID, transaction acceptance are put
Account ID, transaction amount and exchange hour are used to indicate process of exchange, guarantee the uniqueness for the record traded every time, avoid not
With process of exchange record it is identical caused by process of exchange puppet report, the present embodiment is other only by taking above-mentioned Transaction Information format as an example
Details are not described herein for type.
| Transaction journal number |
| Trade deduction side's account ID |
| Transaction acceptance puts account ID |
| Transaction amount |
| Exchange hour |
| Trade tac |
Table 1
Transaction record in off line wallet can generally be stored in a manner of encryption, avoid illegally distorting and illegally obtaining
It takes, being sent to account platform is to carry out corresponding decryption, it is not limited here.
In addition, without limitation to the execution of step 123 and step 124 sequence at this, in the friendship for generating the equal sign test of both sides
After easy information, transferring accounts receives off line wallet and can carry out the update of local account and transaction record, i.e. step 123 can be in step
It executes before rapid 124, also may be performed simultaneously.
Step s117: it transfers accounts and initiates off line wallet update local account information and transaction record.
Step s118: it when network quality reaches trade network demand, transfers accounts and initiates off line wallet to account platform transmission
Transaction record.
The present embodiment initiates to be introduced for equipment locating for off line wallet sends transaction record to account platform to transfer accounts,
It should be noted that originating end of transferring accounts can send to account platform immediately when network quality reaches trade network demand and trade
Record, receiving end of transferring accounts, can also be with when receiving end network quality of transferring accounts is preferable due to generally also storing a transaction record
Transaction record is sent to account platform immediately, in order to timely updating for account platform.
Step s131: account platform is according to transaction record more New Transaction background account information.
After the update for carrying out the background account information of both parties according to the transfer transaction information of record after account platform, i.e.,
Complete complete money transfer transactions process.The process for updating background account information is referred to the networking money transfer transactions of the prior art
The account renewal process of process, details are not described herein.
It should be noted that transferring accounts in the present embodiment initiates off line wallet and transferring accounts and receives off line wallet and refer to hand in single
Yi Zhongqi, which transfers accounts, to be initiated to mutually convert between different transaction with the digital asset off line wallet for receive capabilities of transferring accounts.
Based on the above embodiment, digital asset off-network method of commerce provided by the invention, the both sides of transaction be in from
When net state, the transmission of both sides' transaction data is carried out by near-field communication technology, in the side of transferring accounts to the transaction request information of generation
The transaction data that the side of transferring accounts authenticates is generated after being signed, and is sent to the verifying that recipient trades, and the behavior of transferring accounts belongs to
Both sides' behavior, can produce transaction after both parties pass through transaction data authentication, and the process that the side of transferring accounts generates data is real
Certification of the side of transferring accounts to transaction data is showed, transaction data is sent to and generates the process of Transaction Information behind receiving end and realizes and connect
Certification of the debit to transaction data realizes the transaction registration of off line wallet under conditions of both parties approve, has updated local
Account information realizes flow of fund between the user of off line wallet, only above Transaction Information need to be sent to account when having networking condition
Family platform, the account information of platform more new record both sides.It is achieved that the off-network of off line wallet is traded, solves off line
Cafe user can only carry out consumption recharging payment in the pos of merchant end, not be available the problem of off line wallet is transferred accounts.Simultaneously
By way of this off line book keeping operation, the condition limitation that user needs to network in process of exchange is relieved, trading efficiency is improved.
To deepen the understanding to digital asset off-network method of commerce provided by the invention, the present embodiment is with off line cafe user
A is introduced overall flow for transferring accounts to off line cafe user B.
1. off line cafe user A obtains off line cafe user B account information (account ID) by NFC.
2. off line cafe user A sends the transfer transaction information after signing (ID of account A turns 1000 to the ID of account B) extremely
User's B account.
3. off line cafe user B generates Transaction Information (after signature) and returns to portion afterwards to user A.
4. off line cafe user A updates off line account information, and records Transaction Information and encrypt to off line wallet, avoid non-
Method obtains and illegal change.
5. off line cafe user B updates account information, and records Transaction Information, encryption storage is carried out.
6. if, once being in connected state, off line cafe user A sends transaction off line cafe user A is at any time
Information is recorded to account platform.Platform updates user A and user's B account information according to transaction record.When equally user B is any
It waits and is in connected state, transaction record also can be transmitted to account platform, platform updates user A and user's B account information.
In the present embodiment, mobile phone terminal of the off line wallet use with IC card, SIM card and with safety chip is carrier.
The both sides of transaction are in off-network state, and the transmission of transaction data is carried out by NFC protocol.And both parties hand over this
Easy record is stored in off line wallet in a manner of encrypting, and under the conditions of either party has networking, above send Transaction Information extremely
Account platform, the account information of platform more new record both sides complete entire transaction.
Fig. 2 is a kind of structural schematic diagram of off line wallet provided in an embodiment of the present invention, and off line wallet mainly includes connection
Initiate unit 210, account information acquiring unit 220, transaction request generation unit 230, trading signature unit 240, off line account
Updating unit 250 and transaction record transmission unit 260.
Wherein, when connection initiation unit 210 is mainly used for receiving transfer request, the near field for receiving end of initiating and transfer accounts connects
It connects；
After account information acquiring unit 220 is mainly used near field successful connection, receiving end of transferring accounts is obtained by near-field communication
Account information；
Transaction request generation unit transaction request generation unit 230 is mainly used for need of transferring accounts according to account information and user
Seek survival into transaction request information；
Trading signature unit 240 is mainly used for carrying out transaction request information originating end signature, and will generate after signature
Transaction data is sent to receiving end of transferring accounts；
Off line account updating unit 250 is mainly used for Transaction Information based on the received and updates local account information and transaction
Record；Wherein, Transaction Information generates after carrying out receiving end signature to transaction data by receiving end of transferring accounts；
Transaction record transmission unit 260 is mainly used for when network quality reaches trade network demand, sends out to account platform
Transaction record is sent, so that account platform is according to transaction record more New Transaction background account information.
It preferably, can be in off line wallet further include: record processing unit, if for having been updated in background account information
Current transaction, empties transaction record.
Preferably, unit 210 is initiated in connection can specifically include:
Detection sub-unit is defaulted, for detecting the opening state of the pre-set default optimal near-field linkage function of the both sides that transfer accounts
State；
Default connection subelement passes through default if the default optimal near-field linkage function for the both sides that transfer accounts is opened
Optimal near-field linkage function connects the both sides that transfer accounts.
It preferably, can be in off line wallet further include: non-default detection sub-unit connect with default detection sub-unit, use
If the default near field linkage function in the both sides that transfer accounts is not opened, detect whether to open in the presence of the both sides that transfer accounts non-default close
Field linkage function；The both sides if it does, the non-default near field linkage function connection opened by both sides is transferred accounts.
It preferably, can be in off line wallet further include: the prompt unit being connect with non-default detection sub-unit, if for
The default near field linkage function of both sides of transferring accounts is not opened, starting default connection prompt information is exported to non-opening square, so as to not
Opening square opens the connection of default near field in time.
It preferably, can be in off line wallet further include: near field connecting detection unit, if believing for trading in the generation side of transferring accounts
Before breath and recipient's Transaction Information, when near field connection is abnormal, output connection abnormal prompt information, so that user adjusts closely in time
Field connection status；If near field connection restores normal, continuous business process.
Money transfer transactions between offline user may be implemented in off line wallet provided in this embodiment, between the user for realizing off line wallet
Flow of fund.The explanation of feature may refer to real corresponding to digital asset off-network method of commerce in Fig. 1 in embodiment corresponding to Fig. 2
The related description for applying example, no longer repeats one by one here.
The present embodiment discloses a kind of digital asset off-network transaction system, and Fig. 3 is a kind of number provided in an embodiment of the present invention
The structural schematic diagram of assets off-network transaction system, digital asset off-network transaction system, which specifically includes that transfer accounts, initiates off line wallet
310, it transfers accounts and receives off line wallet 320 and account platform 330.
Wherein, it transfers accounts when initiating off line wallet 310 and being mainly used for receiving transfer request, the close of receiving end of initiating and transfer accounts
Field connection；After the successful connection of near field, the account information for receiving end of transferring accounts is obtained by near-field communication；According to account information and use
Family transfer accounts demand generate transaction request information；Originating end signature, and the transaction that will be generated after signature are carried out to transaction request information
Data are sent to receiving end of transferring accounts；Transaction Information updates local account information and transaction record based on the received；When network matter
When amount reaches trade network demand, transaction record is sent to account platform.
It transfers accounts and receives off line wallet 320 and be mainly used for receiving received transaction data according to the certificate of fair of storage
End signature generates Transaction Information, and initiates off line wallet transmission Transaction Information to transferring accounts, and updates local account according to Transaction Information
Information and transaction record.
Wherein it is preferred to which purpose off line wallet of transferring accounts can be also used to: when network quality reaches trade network demand,
Transaction record is sent to account platform.The sending function of both ends setting networking transaction record, which end faster possesses preferable net
It is uploaded immediately when network condition, to realize the update as early as possible of background account information, guarantees being rapidly completed for transaction.Also it can be set only
The transmission of transaction record is carried out in certain one end, it is not limited here.
Account platform 330 is mainly used for according to the transaction record more New Transaction background account information received.
Flow of fund between the user of off line wallet may be implemented in digital asset off-network transaction system provided in this embodiment.Turn
Account initiates off line wallet 310, transferring accounts receives the specific data exchange process of off line wallet 320 and account platform 330 and can join
According to the introduction of Fig. 1 corresponding embodiment, specific details are not described herein.
The embodiment of the present invention also provides a kind of terminal；The terminal mainly includes memory and processor.
Wherein, memory is mainly used for storing program；
Processor is mainly used for the step of realizing above-mentioned digital asset off-network method of commerce when executing program.
Referring to FIG. 4, being a kind of structural schematic diagram of terminal device provided in this embodiment, which can be because of configuration or property
Energy is different and generates bigger difference, may include one or more processors (central processing
Units, CPU) 322 (for example, one or more processors) and memory 332, one or more storages apply journey
The storage medium 330 (such as one or more mass memory units) of sequence 342 or data 344.Wherein, 332 He of memory
Storage medium 330 can be of short duration storage or persistent storage.The program for being stored in storage medium 330 may include one or one
With upper module (diagram does not mark), each module may include to the series of instructions operation in data processing equipment.More into one
Step ground, central processing unit 322 can be set to communicate with storage medium 330, execute in storage medium 330 in terminal 301
Series of instructions operation.
Terminal 301 can also include one or more power supplys 326, one or more wired or wireless networks connect
Mouth 350, one or more input/output interfaces 358, and/or, one or more operating systems 341, such as
Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..
Step in digital asset off-network method of commerce described above can be by the knot of terminal provided in this embodiment
Structure is realized.
Specifically, terminal can be the mobile terminals such as mobile phone, without limitation to specific terminal type at this.
It is provided for the embodiments of the invention a kind of digital asset off-network method of commerce, a kind of off line wallet, one kind above
Digital asset off-network transaction system and a kind of terminal are described in detail.Each embodiment is in a progressive manner in specification
Description, each embodiment focuses on the differences from other embodiments, same and similar portion between each embodiment
Dividing may refer to each other.For the device disclosed in the embodiment, since it is corresponded to the methods disclosed in the examples, so retouching
That states is fairly simple, and reference may be made to the description of the method.It should be pointed out that for the ordinary skill people of the art
Member for, without departing from the principle of the present invention, can with several improvements and modifications are made to the present invention, these improve and
Modification is also fallen within the protection scope of the claims of the present invention.
Professional further appreciates that, unit described in conjunction with the examples disclosed in the embodiments of the present disclosure
And algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware and
The interchangeability of software generally describes each exemplary composition and step according to function in the above description.These
Function is implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Profession
Technical staff can use different methods to achieve the described function each specific application, but this realization is not answered
Think beyond the scope of this invention.
The step of method described in conjunction with the examples disclosed in this document or algorithm, can directly be held with hardware, processor
The combination of capable software module or the two is implemented.It is software module+can be placed in random access memory (RAM), memory, read-only
Memory (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or skill
In any other form of storage medium well known in art field.
Claims (10)
1. a kind of digital asset off-network method of commerce characterized by comprising
When off line wallet receives transfer request, the near field for receiving end of initiating and transfer accounts is connected；
After the successful connection of near field, by near-field communication obtain described in transfer accounts the account information of receiving end；
According to the account information and user transfer accounts demand generate transaction request information；
Originating end signature is carried out to the transaction request information, and the transaction data generated after signature is sent to described transfer accounts and is connect
Receiving end；
Transaction Information updates local account information and transaction record based on the received；Wherein, the Transaction Information is by described turn
Account receiving end generates after carrying out receiving end signature to the transaction data；
When network quality reaches trade network demand, the transaction record is sent to account platform, so as to the account platform
According to the transaction record more New Transaction background account information.
2. digital asset off-network method of commerce as described in claim 1, which is characterized in that further include:
If having updated current transaction in background account information, transaction record is emptied.
3. digital asset off-network method of commerce as described in claim 1, which is characterized in that the initiation and receiving end of transferring accounts
Near field connection, comprising:
Detect the open state of the pre-set default optimal near-field linkage function of the both sides that transfer accounts；
If the default optimal near-field linkage function for the both sides that transfer accounts is opened, transferred accounts by default optimal near-field linkage function connection
Both sides.
4. digital asset off-network method of commerce as claimed in claim 3, which is characterized in that further include:
If the default near field linkage function for the both sides that transfer accounts is not opened, detect whether to open in the presence of the both sides that transfer accounts non-default
Near field linkage function；
The both sides if it does, the non-default near field linkage function connection opened by both sides is transferred accounts.
5. digital asset off-network method of commerce as claimed in claim 3, which is characterized in that further include:
If the default near field linkage function for the both sides that transfer accounts is not opened, starting default connection prompt letter is exported to non-opening square
Breath, so that the non-opening square opens the connection of default near field in time.
6. digital asset off-network method of commerce as described in claim 1, which is characterized in that the off line wallet receives user
Transfer request before, further includes:
If before the Transaction Information of the side of transferring accounts described in generation and recipient's Transaction Information, when near field connection is abnormal, output connects
Abnormal prompt information is connect, so that user adjusts near field connection status in time；
If near field connection restores normal, continuous business process.
7. a kind of off line wallet characterized by comprising
Unit is initiated in connection, and when for receiving transfer request, the near field for receiving end of initiating and transfer accounts is connected；
Account information acquiring unit, for after the successful connection of near field, by near-field communication obtain described in transfer accounts the account of receiving end
Information；
Transaction request generation unit, for according to the account information and user transfer accounts demand generate transaction request information；
Trading signature unit, for carrying out originating end signature, and the number of deals that will be generated after signature to the transaction request information
According to being sent to the receiving end of transferring accounts；
Off line account updating unit updates local account information and transaction record for Transaction Information based on the received；Wherein,
The Transaction Information generates after carrying out receiving end signature to the transaction data by the receiving end of transferring accounts；
Transaction record transmission unit, for sending the transaction to account platform when network quality reaches trade network demand
Record, so that the account platform is according to the transaction record more New Transaction background account information.
8. a kind of digital asset off-network transaction system characterized by comprising
It transfers accounts and initiates off line wallet, when for receiving transfer request, the near field for receiving end of initiating and transfer accounts is connected；Near field connection
After success, by near-field communication obtain described in transfer accounts the account information of receiving end；It is transferred accounts according to the account information and user
Demand generates transaction request information；Originating end signature, and the number of deals that will be generated after signature are carried out to the transaction request information
According to being sent to the receiving end of transferring accounts；Transaction Information updates local account information and transaction record based on the received；Work as network
When quality reaches trade network demand, the transaction record is sent to account platform；
It transfers accounts and receives off line wallet, it is raw for carrying out receiving end signature to received transaction data according to the certificate of fair of storage
The off line wallet transmission Transaction Information is initiated at Transaction Information, and to transferring accounts, local account is updated according to the Transaction Information
Information and transaction record；
Account platform, for according to the transaction record more New Transaction background account information received.
9. digital asset off-network transaction system as claimed in claim 8, which is characterized in that described to transfer accounts purpose off line wallet also
For: when network quality reaches trade network demand, the transaction record is sent to account platform.
10. a kind of terminal characterized by comprising
Memory, for storing program；
Processor realizes the digital asset off-network method of commerce as described in any one of claim 1 to 6 when for executing described program
The step of.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811556227.9A CN109636383A (en) | 2018-12-19 | 2018-12-19 | A kind of digital asset off-network method of commerce, system, a kind of off line wallet and terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811556227.9A CN109636383A (en) | 2018-12-19 | 2018-12-19 | A kind of digital asset off-network method of commerce, system, a kind of off line wallet and terminal |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109636383A true CN109636383A (en) | 2019-04-16 |
Family
ID=66075442
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811556227.9A Pending CN109636383A (en) | 2018-12-19 | 2018-12-19 | A kind of digital asset off-network method of commerce, system, a kind of off line wallet and terminal |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109636383A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111062717A (en) * | 2019-12-11 | 2020-04-24 | 腾讯科技（深圳）有限公司 | Data transfer processing method and device and computer readable storage medium |
| CN111144862A (en) * | 2019-12-31 | 2020-05-12 | 深圳四方精创资讯股份有限公司 | Method, device, equipment and storage medium for realizing digital currency double-off-line payment |
| 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 |
| CN113256287A (en) * | 2021-07-05 | 2021-08-13 | 深圳市深圳通有限公司 | Offline consumption management method and system |
| CN113807959A (en) * | 2021-01-28 | 2021-12-17 | 刘高峰 | Method and terminal for preventing digital assets from being repeatedly transferred in close range |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101211435A (en) * | 2006-12-25 | 2008-07-02 | 上海融兴网络科技有限公司 | System and method for accomplishing off-line transfer transaction |
| US20150278795A1 (en) * | 2014-03-26 | 2015-10-01 | Google Inc. | Secure offline payment system |
| CN106980975A (en) * | 2017-02-24 | 2017-07-25 | 济南汉泰信息科技有限公司 | A kind of method of payment, system and intelligent terminal |
| CN108921542A (en) * | 2018-05-30 | 2018-11-30 | 招商银行股份有限公司 | Offline electronic payment method, payment end, gathering end and the storage medium of digital asset |
-
2018
- 2018-12-19 CN CN201811556227.9A patent/CN109636383A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101211435A (en) * | 2006-12-25 | 2008-07-02 | 上海融兴网络科技有限公司 | System and method for accomplishing off-line transfer transaction |
| US20150278795A1 (en) * | 2014-03-26 | 2015-10-01 | Google Inc. | Secure offline payment system |
| CN106980975A (en) * | 2017-02-24 | 2017-07-25 | 济南汉泰信息科技有限公司 | A kind of method of payment, system and intelligent terminal |
| CN108921542A (en) * | 2018-05-30 | 2018-11-30 | 招商银行股份有限公司 | Offline electronic payment method, payment end, gathering end and the storage medium of digital asset |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
| CN111062717A (en) * | 2019-12-11 | 2020-04-24 | 腾讯科技（深圳）有限公司 | Data transfer processing method and device and computer readable storage medium |
| CN111062717B (en) * | 2019-12-11 | 2023-11-03 | 财付通支付科技有限公司 | Data transfer processing method, device and computer readable storage medium |
| CN111144862A (en) * | 2019-12-31 | 2020-05-12 | 深圳四方精创资讯股份有限公司 | Method, device, equipment and storage medium for realizing digital currency double-off-line payment |
| CN111144862B (en) * | 2019-12-31 | 2022-11-18 | 深圳四方精创资讯股份有限公司 | Method, device, equipment and storage medium for realizing digital currency double-off-line payment |
| CN113807959A (en) * | 2021-01-28 | 2021-12-17 | 刘高峰 | Method and terminal for preventing digital assets from being repeatedly transferred in close range |
| CN113256287A (en) * | 2021-07-05 | 2021-08-13 | 深圳市深圳通有限公司 | Offline consumption management method and system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN109636383A (en) | A kind of digital asset off-network method of commerce, system, a kind of off line wallet and terminal | |
| CN106527673B (en) | Bind method and apparatus, electric paying method and the device of wearable device | |
| CN102468960A (en) | Off-line mode identity and transaction authentication method and terminal | |
| CN107993149A (en) | Account information management method, system and readable storage medium storing program for executing | |
| CN104616149B (en) | Method of payment and system based on Bluetooth technology and living things feature recognition | |
| CN103839340B (en) | The method and system of e-wallet information synchronization, space transference business platform | |
| SI23227A (en) | Wireless mobile transaction system and procedure of carrying out transaction with mobile telephone | |
| CN109003081A (en) | A kind of method of commerce and system based on block chain | |
| CN102521744A (en) | Network payment method and apparatus thereof | |
| WO2010057405A1 (en) | Identity authentication method using short messages | |
| CN102289752A (en) | Mobile payment method and system based on cipher | |
| CN104899731B (en) | The transmission method of mobile payment data, device and system | |
| CN108985928A (en) | Digital cash method of commerce, device, system and mobile terminal | |
| CN106453203A (en) | Device and method in wireless communication system, and wireless communication system | |
| US20220198430A1 (en) | Mid-range reader interactions | |
| TW201514751A (en) | Secure information interaction method for electronic resources transfer | |
| JP6723386B2 (en) | Two-way verification mobile payment method and system | |
| CN111768206A (en) | Method for loading and saving campus card by bank card | |
| CN104636910A (en) | Mobile handheld terminal, payment system and payment method | |
| CN106960345B (en) | Internet of things card and working method thereof | |
| CN102111733B (en) | Short message communication method and system | |
| AU2013234798A1 (en) | Automated forex function in an asset storage and transfer system | |
| CN217213739U (en) | Device for on-site payment | |
| KR20190079442A (en) | Method for Providing Asynchronous Reverse Direction Payment based on Application Interlocking by using Radio Signal Device and Blockchain | |
| CN109872142B (en) | Digital asset transaction method based on trusted third party and storage medium thereof |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |