CN111275411B - Off-line transaction method and system for digital currency wallet and user identity identification card - Google Patents

Off-line transaction method and system for digital currency wallet and user identity identification card Download PDF

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CN111275411B
CN111275411B CN201811476367.5A CN201811476367A CN111275411B CN 111275411 B CN111275411 B CN 111275411B CN 201811476367 A CN201811476367 A CN 201811476367A CN 111275411 B CN111275411 B CN 111275411B
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transaction
digital currency
wallet
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card
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CN111275411A (en
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蔡逆水
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China Telecom Corp Ltd
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China Telecom Corp Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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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Abstract

The invention discloses a digital currency wallet off-line transaction method and system and a user identity identification card. The off-line transaction method of the digital currency wallet comprises the following steps: under the condition that a transaction request is received, the user identity card verifies whether the own digital currency wallet has the current transaction right, wherein the user identity card of the opposite party of the transaction also verifies whether the own digital currency wallet has the current transaction right under the condition that the transaction request is received; under the condition that the digital currency wallets of both transaction parties have the transaction right currently, the digital currency wallets of the user identity identification card and the digital currency wallets of the transaction opposite party carry out transfer operation to finish the transaction. The invention can prevent illegal users from carrying out double-flower business risks by using an offline transaction mode through the core transaction logic which is designed autonomously.

Description

Off-line transaction method and system for digital currency wallet and user identity identification card
Technical Field
The invention relates to the field of electronic payment, in particular to a digital currency wallet off-line transaction method and system and a user identity card.
Background
"double-flower", i.e., double payment, refers to the fact that in a digital money system, there may be instances where the same digital asset is reused due to improper operation due to the replicability of the data.
Disclosure of Invention
The applicant believes that the related art third party electronic payment company solves the "double spending problem", first the money in the third party electronic payment application is present in the bank account in a billing manner. Such institutions centrally manage data and prevent "double flowers" by modifying and checking account balances in real time. The disadvantage of this related art is that: offline transaction mode is not supported.
The related technology can solve the problem of double flowers by bits, and the bit coin is a point-to-point electronic cash system adopting the block chain technology for decentralization management, and mainly relies on UTXO (unspend transaction output, unexpired transaction output) and a timestamp to solve the problem of double flowers. The disadvantage of this related art is that: currently, there is a transaction concurrency bottleneck of 7 strokes/second (TPS (Transactions Per Second, number of transactions per second)) and an offline transaction mode is not supported.
Because the digital currency wallet and the wallet issuing center are in a non-connection state during offline transaction, in order to ensure the security, the mode protection data of the IC card (Integrated Circuit Card ) security chip is required, and a strong authentication means assisted by a third party is adopted for identity confirmation.
The related art also proposes a method and a system for offline payment using a digital currency chip card, the method comprising: the method comprises the steps that under the condition that network connection is not established between the acceptance terminal equipment and a commercial bank digital currency system, transaction amount is received; the user terminal equipment acquires transaction amount from the acceptance terminal equipment in a short-distance wireless connection mode, and sends transaction information to the acceptance terminal equipment; after the acceptance terminal equipment establishes network connection with the commercial bank digital currency system, the acceptance terminal equipment sends transaction information to the commercial bank digital currency system; after receiving the transaction information, the commercial bank digital currency system sends a request for changing the owner to the central bank digital currency system; after receiving the request for changing the owner, the central bank digital currency system changes the owner of the digital currency into the merchant code corresponding to the receiving terminal equipment.
The related art security protection method based on digital currency chip encapsulates a wallet private key, the transaction process of a DC (digital currency) wallet requires an owner private key signature, the transaction is approved, and the feasibility of the transaction can be protected by protecting the wallet private key. And packaging the DC wallet, ensuring the offline data of the DC wallet not to be copied and tampered, and controlling the unauthorized access of a non-DC wallet owner. And the core function is packaged, so that the core logic processing algorithm is ensured not to be tampered, and the double flowers of the DC wallet are prevented.
The prior art only adopts a security chip, and lacks anti-double-flower real-time authentication support of a digital currency issuing center.
In view of at least one of the above technical problems, the invention provides a digital currency wallet offline transaction method and system, and a user identity card, which can prevent the risk of 'double-flower' business by an illegal person in an offline transaction mode.
According to one aspect of the present invention, there is provided a digital money wallet offline transaction method comprising:
under the condition that a transaction request is received, the user identity card verifies whether the own digital currency wallet has the current transaction right, wherein the user identity card of the opposite party of the transaction also verifies whether the own digital currency wallet has the current transaction right under the condition that the transaction request is received;
under the condition that the digital currency wallets of both transaction parties have the transaction right currently, the digital currency wallets of the user identity identification card and the digital currency wallets of the transaction opposite party carry out transfer operation to finish the transaction.
In some embodiments of the invention, the digital money wallet offline transaction method further comprises:
under the condition that digital currency wallets of both transaction parties have transaction rights currently, the user identity identification card judges whether the user identity identification card is a payee or a payer according to a transaction request;
under the condition that the user identity card is a payee, requesting to verify the validity and availability of the user identity card of the payer from a trusted authentication center in a trusted short message mode;
under the condition that the trusted authentication center verifies that the user identification card of the paying party is effective and available, the user identification card is executed to instruct the digital currency wallets of the two transaction parties to transfer money, and the step of the transaction is completed.
In some embodiments of the invention, the digital money wallet offline transaction method further comprises:
and under the condition that the user identity card is a payer, indicating the payee user identity card to request the trusted authentication center to verify the validity and the availability of the payer user identity card in a trusted short message mode.
In some embodiments of the invention, the digital money wallet offline transaction method further comprises:
after each transaction is completed, the user identification card performs digital signature tamper resistance.
In some embodiments of the invention, the digital money wallet offline transaction method further comprises:
after each transaction is completed, the user identification card stores the complete transaction record of the transaction.
In some embodiments of the invention, the digital money wallet offline transaction method further comprises: after each transaction is completed, the user identification card generates a digital currency protection verification code according to the balance of the digital currency wallet and the user identification number of the user identification card.
In some embodiments of the present invention, the user identification card verifying whether the own digital money wallet currently has transaction rights comprises:
under the condition of receiving a transaction request, the user identity identification card generates a current digital currency protection verification code according to the current balance of the self digital currency wallet and the self user identity identification number;
the user identity identification card judges whether the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed;
under the condition that the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed, the user identity identification card judges that the own digital currency wallet currently has transaction right;
under the condition that the current digital currency protection verification code is different from the digital currency protection verification code generated after the previous transaction is completed, the user identification card locks the digital currency wallet of the user identification card.
According to another aspect of the present invention, there is provided a user identification card comprising:
the logic verification module is used for verifying whether the digital currency wallet of the user identity card has the transaction right currently or not under the condition that the transaction request is received, wherein the user identity card of the opposite party of the transaction also verifies whether the digital currency wallet of the user identity card of the opposite party of the transaction has the transaction right currently or not under the condition that the transaction request is received;
and the digital money wallet is used for carrying out transfer operation with the digital money wallet of the opposite party of the transaction to finish the transaction under the condition that the logic verification module judges that the digital money wallets of the two parties of the transaction have the transaction right currently.
In some embodiments of the invention, the user identification card is configured to perform operations for implementing the digital money wallet offline transaction method described in any of the embodiments above.
In some embodiments of the invention, the subscriber identity card further comprises a secure chip package area, wherein:
the digital currency wallet, the digital currency protection verification code and the logic verification module are all arranged in the security chip packaging area.
According to another aspect of the present invention, there is provided a user identification card comprising:
a memory for storing instructions;
a processor configured to execute the instructions to cause the apparatus to perform operations to implement the digital money wallet offline transaction method as described in any of the embodiments above.
According to another aspect of the present invention, there is provided a user terminal comprising a subscriber identity card according to any of the embodiments described above.
According to another aspect of the present invention, there is provided a digital money wallet offline transaction system, including a payer terminal and a payee terminal, wherein the payer terminal and the payee terminal are both user terminals according to any one of the embodiments described above.
In some embodiments of the invention, the digital money wallet offline transaction system further comprises:
and the trusted authentication center is used for verifying the validity and the availability of the identity card of the user of the payor according to the request of the identity card of the user of the payor.
According to another aspect of the invention, there is provided a computer readable storage medium storing computer instructions which when executed by a processor implement a digital money wallet offline transaction method as described in any of the embodiments above.
The invention can prevent illegal users from carrying out double-flower business risks by using an offline transaction mode through the core transaction logic which is designed autonomously.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of some embodiments of the digital money wallet offline transaction method of the present invention.
FIG. 2 is a schematic diagram of another embodiment of the digital money wallet offline transaction method of the present invention.
Fig. 3 is a schematic diagram of some embodiments of a subscriber identity module card according to the present invention.
Fig. 4 is a schematic diagram of another embodiment of a subscriber identity module card according to the present invention.
Fig. 5 is a schematic diagram of another embodiment of the subscriber identity module card according to the present invention.
FIG. 6 is a schematic diagram of a subscriber identity module card according to still other embodiments of the present invention.
FIG. 7 is a schematic diagram of some embodiments of the digital money wallet offline transaction system of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. The following description of at least one exemplary embodiment is merely exemplary in nature and is in no way intended to limit the invention, its application, or uses. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
The relative arrangement of the components and steps, numerical expressions and numerical values set forth in these embodiments do not limit the scope of the present invention unless it is specifically stated otherwise.
Meanwhile, it should be understood that the sizes of the respective parts shown in the drawings are not drawn in actual scale for convenience of description.
Techniques, methods, and apparatus known to one of ordinary skill in the relevant art may not be discussed in detail, but should be considered part of the specification where appropriate.
In all examples shown and discussed herein, any specific values should be construed as merely illustrative, and not a limitation. Thus, other examples of the exemplary embodiments may have different values.
It should be noted that: like reference numerals and letters denote like items in the following figures, and thus once an item is defined in one figure, no further discussion thereof is necessary in subsequent figures.
FIG. 1 is a schematic diagram of some embodiments of the digital money wallet offline transaction method of the present invention. Preferably, the present embodiment may be performed by a user identification card, a user terminal, or a digital money wallet offline transaction system. The method comprises the following steps:
step 11, under the condition that a transaction request is received, the user identification card verifies whether the own digital currency wallet currently has the transaction right, wherein the user identification card of the opposite party of the transaction also verifies whether the own digital currency wallet currently has the transaction right under the condition that the transaction request is received.
In some embodiments of the present invention, the subscriber identity card may be a mobile phone card.
And step 12, under the condition that the digital currency wallets of the two parties of the transaction have the current transaction right, the digital currency wallets of the user identity identification card and the digital currency wallets of the opposite parties of the transaction carry out transfer operation, and the transaction is completed.
In some embodiments of the present invention, step 11 may include:
step 11a, under the condition of receiving a transaction request, the user identification card generates a current digital currency protection verification code according to the current balance of the self digital currency wallet and the self user identification number.
Step 11b, the user identification card judges whether the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed.
In step 11c, the user identification card determines that the own digital money wallet currently has transaction rights (i.e., the digital money wallet is logically verified) in the case that the current digital money protection verification code is the same as the digital money protection verification code generated after the previous transaction is completed.
Step 11d, under the condition that the current digital currency protection verification code is different from the digital currency protection verification code generated after the previous transaction is completed, the user identification card locks the digital currency wallet of the user identification card.
In some embodiments of the present invention, step 11 may include:
step 111, in the case of receiving a transaction request input by a user, the payee user identification card generates a current payee digital currency protection verification code according to the current payee digital currency wallet balance and the payee user identification number.
Step 112, the payee user identification card determines whether the current payee digital currency protection verification code is the same as the payee digital currency protection verification code generated after the previous transaction is completed.
Step 113, in the case that the current payee digital currency protection verification code is the same as the payee digital currency protection verification code generated after the previous transaction is completed, the payee user identification card determines that the payee digital currency wallet currently has the right to transact.
Step 114, in the case that the current payee digital currency protection verification code is different from the payee digital currency protection verification code generated after the previous transaction is completed, the payee user identification card locks the payee digital currency wallet.
Step 115, under the condition that the transaction request input by the user is received, the payer user identification card generates a current payer digital currency protection verification code according to the current payer digital currency wallet balance and the payer user identification number.
Step 116, the payer user id card determines whether the current payer digital currency protection verification code is the same as the payer digital currency protection verification code generated after the previous transaction is completed.
Step 117, in the case that the current payer digital currency protection verification code is the same as the payer digital currency protection verification code generated after the previous transaction is completed, the payer user identity card determines that the payment digital currency wallet currently has the transaction right.
Step 118, in the case that the current payer digital currency protection verification code is different from the payer digital currency protection verification code generated after the previous transaction is completed, the payer user identification card locks the payer digital currency wallet.
In some embodiments of the invention, the digital money wallet offline transaction method may further include: under the condition that digital currency wallets of both transaction parties have transaction rights currently, the user identity identification card judges whether the user identity identification card is a payee or a payer according to a transaction request; under the condition that the user identity card is a payee, requesting to verify the validity and availability of the user identity card of the payer from a trusted authentication center in a trusted short message mode; under the condition that the trusted authentication center verifies that the user identification card of the paying party is effective and available, the user identification card is executed to instruct the digital currency wallets of the two transaction parties to transfer money, and the step of the transaction is completed.
In some embodiments of the invention, the digital money wallet offline transaction method may further include: after each transaction is completed, the payee user identification card and the payer user identification card are subjected to digital signature tamper resistance.
In some embodiments of the invention, the digital money wallet offline transaction method may further include: after each transaction is completed, the identity card of the payee user and the identity card of the payer user respectively store the complete transaction records of the transaction.
In some embodiments of the invention, the digital money wallet offline transaction method may further include: after each transaction is completed, the payee user identification card generates payee digital currency protection verification codes according to the payee digital currency wallet balance and the payee user identification number; and the payer identification card generates a payer digital currency protection verification code according to the balance of the payer digital currency wallet and the payer user identification number.
The method for offline transaction of the digital currency wallet provided by the embodiment of the invention is a method for preventing double-flower of the offline transaction of the digital currency wallet based on a mobile phone card, and the embodiment of the invention can automatically design core transaction logic related to the mobile phone card and a mobile phone trusted short message network to return card authentication data in real time under the condition that the digital currency wallet is in a non-connection state with a wallet issuing center, so that the service risk of double-flower payment by an illegal person in an offline transaction mode can be prevented.
FIG. 2 is a schematic diagram of another embodiment of the digital money wallet offline transaction method of the present invention. Preferably, the present embodiment may be performed by a user identification card, a user terminal, or a digital money wallet offline transaction system. The method comprises the following steps:
and (1) storing each transaction record. After each digital currency transaction occurs, the balance value, the transaction serial number, the offline transaction times, the time stamp, the identification numbers of both transaction parties and the digital signature of the digital wallet need to be recorded, so that the transaction is ensured to be stored in the special domain of the digital currency of the SIM card (Subscriber Identification Module, the user identity card).
And (2) forming a digital currency protection verification code MD5 (Message-Digest Algorithm). Meanwhile, the device fingerprint such as the SIM card number and the balance value character string are combined and processed, HASH (HASH function) processing is carried out, the special data storage area of the digital currency in the MD5 information abstract and the digital currency in the card is saved, the device fingerprint related to the card is ensured, and the balance value cannot be changed.
And (3) ensuring that the complexity of the transaction logic processing program is enough and privacy is protected. And saves the exclusive logic program memory area of the digital currency written in the SIM card.
And (4) firstly verifying whether MD5 is consistent during transaction. Before the transaction, the digital currency wallet needs to verify whether the balance data in the card changes, and uses the balance value in the existing card and the device fingerprint of the card to calculate a new MD5, and after the verification is passed, the transaction right can be obtained. If the account is different, the account is changed, the account transfer operation cannot be started, and thus whether the balance is changed or the mobile phone card number is changed cannot be verified, and the account is locked. Once the account is self-locked and needs to be unlocked, the unlocking needs to be performed by networking, the acquired system can trace the source to find a hack tampered data operating point, and therefore the tracing purpose is achieved.
And (5) the verification MD5 of both transaction sides is passed, and the transaction of both sides is allowed. If and only if the digital money wallet of both parties obtains a logical verification proof, it will agree and acknowledge the validity and availability of the card's stored balance.
And (6) carrying out auxiliary authentication on the telecom trusted short message. And the trusted authentication of the trusted short message digital currency of the telecom operator is increased. The digital currency payee actively requests the mobile phone card telecom operator trusted authentication center to verify the validity and availability of the payment card through the trusted short message.
And (7) after the transaction is completed, the digital signatures of the two parties of the transaction are tamper-proof. After the transaction is completed, a complete transaction record is saved, namely, the step (1) is executed, so that the tamper resistance of the transaction record account book can be realized.
The embodiment of the invention can combine the core transaction logic related to the mobile phone card with the telecom trusted short message auxiliary authentication, so that the embodiment of the invention has higher safety and can effectively prevent off-line double-flower.
The embodiment of the invention increases the trusted authentication of the trusted short message digital currency of the telecom operator. The digital currency payee can actively request the mobile phone card telecom operator trusted authentication center to verify the validity and availability of the payment card through the trusted short message.
According to the embodiment of the invention, the core transaction logic related to the mobile phone card and the mobile phone trusted short message network can be independently designed to return the card authentication data in real time, so that the service risk of double-flower payment by an illegal person in an offline transaction mode is prevented.
Fig. 3 is a schematic diagram of some embodiments of a subscriber identity module card according to the present invention. As shown in fig. 3, the subscriber identity card may include a logic verification module 31 and a digital money purse 32, wherein:
the logic verification module 31 is configured to verify, by using the user id card, whether the own digital money wallet currently has the transaction right when the transaction request is received, wherein the user id card of the transaction counterpart also verifies, by using the user id card, whether the own digital money wallet currently has the transaction right when the transaction request is received.
The digital money purse 32 is used for transferring money with the digital money purse of the opposite party of the transaction to complete the transaction under the condition that the logic verification module judges that the digital money purses of the two parties of the transaction have the transaction right currently.
In some embodiments of the present invention, the logic verification module 31 may be further configured to determine that the user id card is a payee or payor according to the transaction request when both sides of the transaction have the right to transact; under the condition that the user identity card is a payee, requesting to verify the validity and availability of the user identity card of the payer from a trusted authentication center in a trusted short message mode; in the case that the trusted authentication center verifies that the user identification card of the payer is valid and available, the digital money wallet 32 is instructed to perform the operation of the user identification card to instruct the digital money wallet of the transaction party to transfer money, and the operation of the transaction is completed.
In some embodiments of the present invention, the logic verification module 31 may be further configured to instruct the payee user id card to request the trusted authentication center to verify the validity and availability of the payer user id card by means of a trusted sms, in the case that the user id card is a payer; in the case that the trusted authentication center verifies that the user identification card of the payer is valid and available, the digital money wallet 32 is instructed to perform the operation of the user identification card to instruct the digital money wallet of the transaction party to transfer money, and the operation of the transaction is completed.
Fig. 4 is a schematic diagram of another embodiment of a subscriber identity module card according to the present invention. In contrast to the fig. 3 embodiment, in the fig. 4 embodiment, the subscriber identity module (sim card) may comprise a digital signature module 33, wherein:
the digital signature module 33 is configured to digitally sign and tamper-proof the user id card after each transaction of the digital money purse 32 is completed.
In some embodiments of the present invention, as shown in fig. 4, the subscriber identity module (sim card hal) may include a transaction record storage module 34, wherein:
the transaction record storage module 34 is configured to store a complete transaction record of the current transaction after each transaction of the digital money purse 32 is completed.
In some embodiments of the present invention, the logic verification module 31 may also be configured to generate a digital currency protection verification code based on the digital currency wallet balance and the user identification number after each transaction is completed.
In some embodiments of the present invention, the logic verification module 31 may be specifically configured to generate, when receiving a transaction request, a current digital currency protection verification code according to a current balance of the digital currency wallet and an identity number of the user in an operation of verifying whether the digital currency wallet of the user has a current transaction right; judging whether the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed; under the condition that the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed, the user identity identification card judges that the own digital currency wallet currently has transaction right; under the condition that the current digital currency protection verification code is different from the digital currency protection verification code generated after the previous transaction is completed, the user identification card locks the digital currency wallet of the user identification card.
In some embodiments of the invention, the user identification card of the embodiment of fig. 3 or 4 may be used to perform operations to implement the digital money wallet offline transaction method described in any of the embodiments described above (e.g., the embodiment of fig. 1 or 2).
Based on the user identity card provided by the embodiment of the invention, the core transaction logic related to the mobile phone card can be combined with the telecom trusted short message auxiliary authentication, so that the embodiment of the invention has higher safety and can effectively prevent offline double-flower.
The embodiment of the invention increases the trusted authentication of the trusted short message digital currency of the telecom operator. The digital currency payee can actively request the mobile phone card telecom operator trusted authentication center to verify the validity and availability of the payment card through the trusted short message.
Fig. 5 is a schematic diagram of another embodiment of the subscriber identity module card according to the present invention. As shown in fig. 5, the user id card includes a security chip package area, a digital money wallet, a digital money protection verification code (private key), and a logic verification module, wherein:
the logic verification module stores core transaction logic.
The digital currency wallet, the digital currency protection verification code and the logic verification module are all arranged in the security chip packaging area.
The embodiment of the invention can ensure that the complexity of the transaction logic processing program is enough and the privacy is protected. The above embodiment of the present invention can save the transaction logic processing program in a digital currency specific logic program storage area (i.e., the secure chip package area) written in a card.
In some embodiments of the present invention, as shown, the subscriber identity card may further comprise a transaction record storage module and an input/output module (IO), wherein.
The transaction record storage module is used for storing the complete transaction record of the current transaction after the digital currency wallet 32 finishes each transaction.
And the input/output module is used for carrying out information interaction with the trusted authentication center and the transaction opposite party.
According to the embodiment of the invention, the core transaction logic related to the mobile phone card and the mobile phone trusted short message network can be independently designed to return the card authentication data in real time, so that the service risk of double-flower payment by an illegal person in an offline transaction mode is prevented.
FIG. 6 is a schematic diagram of a subscriber identity module card according to still other embodiments of the present invention. As shown in fig. 6, the subscriber identity card may include a memory 61 and a processor 62, wherein:
a memory 61 for storing instructions.
A processor 62 for executing the instructions to cause the apparatus to perform operations implementing the digital money wallet offline transaction method as described in any of the embodiments above (e.g., the embodiment of fig. 1 or 2).
Based on the user identification card provided by the embodiment of the invention, when the digital currency wallet is in a non-connection state with the wallet issuing center, core transaction logic related to the mobile phone card and a mobile phone trusted short message network can be independently designed to return card authentication data in real time, so that the service risk of double-flower payment by an illegal person in an offline transaction mode can be prevented.
According to another aspect of the present invention, there is provided a user terminal comprising a subscriber identity card according to any of the embodiments described above (e.g. any of the embodiments of figures 3-6).
Based on the user terminal provided by the embodiment of the invention, when the digital currency wallet is in a non-connection state with the wallet issuing center, core transaction logic related to a mobile phone card and a mobile phone trusted short message network can be independently designed to return card authentication data in real time, so that the service risk of double-flower payment by an illegal person in an offline transaction mode can be prevented.
FIG. 7 is a schematic diagram of some embodiments of the digital money wallet offline transaction system of the present invention. As shown in fig. 7, the digital money wallet offline transaction system may include a payer terminal 71 and a payee terminal 72, wherein:
in some embodiments of the invention, the payer terminal and payee terminal may each be a user terminal as described in any of the embodiments above.
In some embodiments of the present invention, the payer terminal 71 may include a subscriber identity card as described in any of the embodiments described above (e.g., any of the embodiments of fig. 3-6).
In some embodiments of the invention, payee terminal 72 may comprise a subscriber identity card as described in any of the embodiments described above (e.g., any of the embodiments of fig. 3-6).
In some embodiments of the invention, as shown in fig. 7, the digital money wallet offline transaction system may further comprise a trusted authentication center 73, wherein:
the trusted authentication center 73 is used for verifying the validity and availability of the payment party user identification card according to the request of the payment party user identification card.
The digital currency wallet offline transaction system provided by the embodiment of the invention is a digital currency wallet offline transaction anti-double-flower system based on a mobile phone card, and the embodiment of the invention can automatically design core transaction logic related to the mobile phone card and a mobile phone trusted short message network to return card authentication data in real time under the condition that the digital currency wallet is in a non-connection state with a wallet issuing center, so that the service risk of double-flower payment by an illegal person in an offline transaction mode can be prevented.
According to another aspect of the invention, there is provided a computer readable storage medium storing computer instructions which, when executed by a processor, implement a digital money wallet offline transaction method as described in any of the embodiments above (e.g. the embodiment of fig. 1 or 2).
Based on the computer readable storage medium provided by the embodiment of the invention, the core transaction logic related to the mobile phone card can be combined with the telecom trusted short message auxiliary authentication, so that the embodiment of the invention has higher safety and can effectively prevent offline double flowers.
The embodiment of the invention increases the trusted authentication of the trusted short message digital currency of the telecom operator. The digital currency payee can actively request the mobile phone card telecom operator trusted authentication center to verify the validity and availability of the payment card through the trusted short message.
The subscriber identity cards and trusted authentication centers described above may be implemented as general purpose processors, programmable Logic Controllers (PLCs), digital Signal Processors (DSPs), application Specific Integrated Circuits (ASICs), field Programmable Gate Arrays (FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or any suitable combination thereof, for performing the functions described herein.
The present invention has been described in detail so far. In order to avoid obscuring the concepts of the invention, some details known in the art have not been described. How to implement the solutions disclosed herein will be fully apparent to those skilled in the art from the above description.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program for instructing relevant hardware, where the program may be stored in a computer readable storage medium, and the storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The description of the present invention has been presented for purposes of illustration and description, and is not intended to be exhaustive or limited to the invention in the form disclosed. Many modifications and variations will be apparent to those of ordinary skill in the art. The embodiments were chosen and described in order to best explain the principles of the invention and the practical application, and to enable others of ordinary skill in the art to understand the invention for various embodiments with various modifications as are suited to the particular use contemplated.

Claims (14)

1. A digital money wallet offline transaction method, comprising:
under the condition that a transaction request is received, the user identity card verifies whether the own digital currency wallet has the current transaction right, wherein the user identity card of the opposite party of the transaction also verifies whether the own digital currency wallet has the current transaction right under the condition that the transaction request is received;
under the condition that the digital money wallets of both transaction parties have transaction rights currently, the digital money wallets of the user identity identification card and the digital money wallets of the transaction opposite parties carry out transfer operation to finish the transaction;
the user identity identification card verifying whether the digital currency wallet of the user identity identification card has the transaction right currently comprises the following steps:
under the condition of receiving a transaction request, the user identity identification card generates a current digital currency protection verification code according to the current balance of the self digital currency wallet and the self user identity identification number;
the user identity identification card judges whether the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed;
under the condition that the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed, the user identity identification card judges that the own digital currency wallet currently has transaction right;
under the condition that the current digital currency protection verification code is different from the digital currency protection verification code generated after the previous transaction is completed, the user identification card locks the digital currency wallet of the user identification card.
2. The digital money wallet offline transaction method of claim 1, further comprising:
under the condition that digital currency wallets of both transaction parties have transaction rights currently, the user identity identification card judges whether the user identity identification card is a payee or a payer according to a transaction request;
under the condition that the user identity card is a payee, requesting to verify the validity and availability of the user identity card of the payer from a trusted authentication center in a trusted short message mode;
under the condition that the trusted authentication center verifies that the user identification card of the paying party is effective and available, the user identification card is executed to instruct the digital currency wallets of the two transaction parties to transfer money, and the step of the transaction is completed.
3. The digital money wallet offline transaction method of claim 2, further comprising:
and under the condition that the user identity card is a payer, indicating the payee user identity card to request the trusted authentication center to verify the validity and the availability of the payer user identity card in a trusted short message mode.
4. A digital money wallet offline transaction method according to any of claims 1-3, characterized in that it further comprises:
after each transaction is completed, the user identification card performs digital signature tamper resistance.
5. A digital money wallet offline transaction method according to any of claims 1-3, characterized in that it further comprises:
after each transaction is completed, the user identification card stores the complete transaction record of the transaction.
6. A digital money wallet offline transaction method according to any of claims 1-3, characterized in that it further comprises:
after each transaction is completed, the user identification card generates a digital currency protection verification code according to the balance of the digital currency wallet and the user identification number of the user identification card.
7. A subscriber identity card comprising:
the logic verification module is used for verifying whether the digital currency wallet of the user identity card has the transaction right currently or not under the condition that the transaction request is received, wherein the user identity card of the opposite party of the transaction also verifies whether the digital currency wallet of the user identity card of the opposite party of the transaction has the transaction right currently or not under the condition that the transaction request is received;
the digital money wallet is used for carrying out transfer operation with the digital money wallet of the opposite party of the transaction to finish the transaction when the logic verification module judges that the digital money wallets of the two parties of the transaction have the transaction right currently;
the logic verification module is used for generating a current digital currency protection verification code according to the balance of the current digital currency wallet and the identity identification number of the user under the condition that a transaction request is received in the operation of verifying whether the current digital currency wallet has the transaction right or not; judging whether the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed; under the condition that the current digital currency protection verification code is the same as the digital currency protection verification code generated after the previous transaction is completed, judging that the own digital currency wallet has the current transaction right; and locking the digital currency wallet under the condition that the current digital currency protection verification code is different from the digital currency protection verification code generated after the previous transaction is completed.
8. A subscriber identity card according to claim 7, wherein the subscriber identity card is adapted to perform operations for implementing the digital money wallet offline transaction method of claim 2 or 3.
9. The subscriber identity card according to claim 7, further comprising a secure chip package area, wherein:
the digital currency wallet, the digital currency protection verification code and the logic verification module are all arranged in the security chip packaging area.
10. A subscriber identity card comprising:
a memory for storing instructions;
a processor for executing the instructions to cause the subscriber identity card to perform operations implementing the digital money wallet offline transaction method of any one of claims 1-6.
11. A user terminal comprising a subscriber identity card according to any of claims 7-10.
12. An off-line digital money wallet transaction system, wherein a payer terminal and a payee terminal are both user terminals as claimed in claim 11.
13. The digital money wallet offline transaction system of claim 12, further comprising:
and the trusted authentication center is used for verifying the validity and the availability of the identity card of the user of the payor according to the request of the identity card of the user of the payor.
14. A computer readable storage medium storing computer instructions which when executed by a processor implement the digital money wallet offline transaction method of any one of claims 1-6.
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