CN113159744A - Double-off-line payment system, method and device for digital currency - Google Patents
Double-off-line payment system, method and device for digital currency Download PDFInfo
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- 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
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- 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
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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- 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
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The invention discloses a double off-line payment system of digital currency, which is applied to a payee and a payer, wherein the payer and the payee form a block chain, and the system comprises: under the condition that the payee is detected to input the transaction amount, broadcasting is carried out, and the payer establishes an information channel with the payee based on a preset medium; the payee acquires and verifies a first digital certificate of the payer based on the information channel; the payer acquires and verifies the collection information of the payee and the second digital certificate of the payee; after the verification is successful, the payer sends the digital currency and the signature to the payee to enable the payee to verify, and under the condition that both the signature and the digital currency pass the verification, a transaction receipt is sent to the payer; the payer deducts the transaction amount based on the transaction receipt, and the payee increments the transaction amount. The process realizes the establishment of the information channel based on the preset medium under the condition of no network, realizes the off-line payment of the payee and the payer based on the information channel, and is not limited by the network environment.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a double offline payment system, method and device for digital currency.
Background
Digital currency or will adopt a 'one-currency two-bank three-center' architecture, the two banks refer to the bank banks of the central bank and the commercial bank, and the three centers comprise an authentication center, a registration center and a big data analysis center. The authentication center is responsible for management work such as the collection of real identity information of digital currency mechanisms in the central row and users. The registration center is responsible for recording digital currency and user wallet records, completing ownership registration, and simultaneously recording the whole process information of digital currency issuing, transferring and returning. The big data analysis center aims at analyzing the distribution, circulation, storage and the like of DCEP by using big data, and has the functions of anti-money laundering, payment behavior analysis, supervision, regulation and control index analysis and the like.
Digital money is one kind of electronic money, and when two transaction parties perform transactions based on the digital money, payment to a payee needs to be realized based on a network, and payment is subject to receiving limitation under the condition of no network.
Disclosure of Invention
In view of the above, the present invention provides a system, a method and a device for double offline payment of digital money, which are used to solve the problem that when two parties of a transaction perform transactions based on digital money, a payer can pay a payee based on a network, and the payment is subject to a limitation without a network condition. The specific scheme is as follows:
a dual off-line payment system for digital currency for use with a payee and a payer, the payer and the payee comprising a blockchain, the system comprising:
under the condition that the payee is detected to input the transaction amount, broadcasting, wherein the payer establishes an information channel with the payee based on a preset medium;
the payee acquires a first digital certificate of the payer based on the information channel and verifies the first digital certificate;
the payer acquires collection information of the payee and a second digital certificate of the payee, and verifies the second digital certificate and the collection information;
after the verification is successful, the payer sends digital currency and a signature to the payee;
the payee verifies the digital currency and the signature, and sends a transaction receipt to the payer under the condition that the signature and the digital currency are verified;
the payer deducts the transaction amount based on the transaction receipt, and the payee increments the transaction amount.
In the above system, optionally, the block chain further includes: a system for a bank blockchain is provided,
when the blockchain is detected to be in a network condition, acquiring transaction information of the payer and the payee;
the bank blockchain system verifying the payee, the payer, and the transaction amount based on the transaction information;
and in the case of passing the verification, changing the transaction state of the payer and the payee.
Optionally, the above system, where the payer establishes an information channel with the payee based on a preset medium, includes:
the payer asks the payee for the random public key;
the payee sends the random public key to the payer for response;
the payer encrypts a random key based on the random public key and sends the random key to the payee;
the payee encrypts a reply confirmation response based on the random key.
Optionally, the system for verifying the second digital certificate and the receipt information includes:
verifying the payee;
acquiring the transaction amount in the collection information, and verifying the transaction amount;
verifying the second digital certificate based on a root certificate.
The above system, optionally, the transaction receipt includes: if the payer receives the transaction receipt, the information channel is disconnected, and the information channels of the payer and the payee are reestablished based on the preset medium.
In the above system, optionally, the transaction status of the transaction amount in the payee is a temporary status.
A method of dual off-line payment for digital currency, for use with a payee, the method comprising:
under the condition that the payee is detected to input the transaction amount, broadcasting is carried out so as to enable the payer and the payee to establish an information channel;
acquiring a first digital certificate of the payer based on the information channel, and verifying the first digital certificate;
and after the verification is passed, receiving the digital currency and the signature sent by the payer, verifying the digital currency and the signature, and sending a transaction receipt to the payer under the condition that the signature and the digital currency are verified to be passed.
A method of dual offline payment of digital currency, applied to a payer, the method comprising:
under the condition of receiving a payee broadcast, the payer establishes an information channel with the payee based on a preset medium;
under the condition that the payee verifies the payer through the instruction, acquiring the collection information of the payee and a second digital certificate of the payee, and verifying the second digital certificate and the collection information;
after the verification is successful, sending the digital currency and the signature to the payee so as to enable the payee to verify the digital currency and the signature, and sending a transaction receipt under the condition of passing the verification;
and receiving the transaction receipt, and deducting the corresponding transaction amount based on the transaction receipt.
A dual off-line payment device for digital currency, for use with a payee, the device comprising:
the broadcast module is used for broadcasting under the condition that the payee is detected to input the transaction amount so as to enable the payer and the payee to establish an information channel;
the verification module is used for acquiring a first digital certificate of the payer based on the information channel and verifying the first digital certificate;
and the verification and transmission module is used for receiving the digital currency and the signature sent by the payer after the verification is passed, verifying the digital currency and the signature, and sending a transaction receipt to the payer under the condition that the signature and the digital currency are verified to be passed.
A dual offline payment apparatus for digital currency, applied to a payer, the apparatus comprising:
the establishment module is used for establishing an information channel between the payer and the payee based on a preset medium under the condition of receiving the broadcast of the payee;
the acquisition and verification module is used for acquiring the collection information of the collection party and the second digital certificate of the collection party and verifying the second digital certificate and the collection information under the condition that the collection party verifies the payer through receiving the instruction;
the sending module is used for sending the digital currency and the signature to the payee after the verification is successful so as to ensure that the payee verifies the digital currency and the signature, and sending a transaction receipt under the condition of passing the verification;
and the deduction module is used for receiving the transaction receipt and deducting the corresponding transaction amount based on the transaction receipt.
Compared with the prior art, the invention has the following advantages:
the invention discloses a double off-line payment system of digital currency, which is applied to a payee and a payer, wherein the payer and the payee form a block chain, and the system comprises: under the condition that the payee is detected to input the transaction amount, broadcasting, wherein the payer establishes an information channel with the payee based on a preset medium; the payee acquires a first digital certificate of the payer based on the information channel and verifies the first digital certificate; the payer acquires collection information of the payee and a second digital certificate of the payee, and verifies the second digital certificate and the collection information; after the verification is successful, the payer sends digital currency and a signature to the payee; the payee verifies the digital currency and the signature, and sends a transaction receipt to the payer under the condition that the signature and the digital currency are verified; the payer deducts the transaction amount based on the transaction receipt, and the payee increments the transaction amount. The process realizes the establishment of the information channel based on the preset medium under the condition of no network, realizes the off-line payment of the payee and the payer based on the information channel, and is not limited by the network environment.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a flowchart illustrating an implementation of a system for dual offline payment of digital currency according to an embodiment of the present disclosure;
FIG. 2 is a flow chart of a method for dual offline payment of digital currency according to an embodiment of the present application;
FIG. 3 is another flow chart of a method for dual offline payment of digital currency according to an embodiment of the present application;
fig. 4 is a block diagram of a dual offline payment device for digital currency according to an embodiment of the present application;
fig. 5 is still another block diagram of a dual offline payment device for digital currency according to an embodiment of the present disclosure.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
The invention discloses a system, a method and a device for double off-line payment of digital currency, which are applied to the double off-line payment process of the digital currency, wherein the double off-line payment can be realized without a network, namely both a receiving party and a payment party are off-line and can also carry out payment. Based on the problems, the invention provides a double offline payment system of digital currency, wherein the payment system assumes that the digital currency APP of one terminal can only send transactions to the digital currency APP of another terminal at one time, the system supports the national secret SM2/SM3/SM9 series of algorithms, the national secret algorithm can be designated and used through parameters in the process, the national secret algorithm is supported to be switched, the core encryption algorithm is ensured, and the digital signature algorithm is supported by national requirements. The national cryptographic algorithm is a domestic commercial cryptographic algorithm identified by the national crypto authority, and at present, three types of algorithms, namely, public SM2, SM3 and SM9 are mainly used in the field of finance, namely an asymmetric algorithm, a hash algorithm and a symmetric algorithm.
The system is applied to a payee and a payer, the system completes payment under an off-line condition, the payer and the payee form a block chain, and the execution flow of the system is shown as figure 1 and comprises the following steps:
s101, broadcasting is carried out under the condition that the payee is detected to input the transaction amount, and the payer establishes an information channel with the payee based on a preset medium;
in the embodiment of the present invention, when it is detected that the payee inputs a transaction amount, the payee starts a broadcast mode and broadcasts payment information, wherein the payment information includes: the amount of money, the nickname and the transaction ID, wherein the amount of money is input by a payee, the nickname is not necessary, and the nickname can be the name of the merchant, and the merchant inputs the amount of money when the merchant account is created. The transaction ID is a unique string generated by the cryptographic algorithm SM 3.
The preset medium may be bluetooth, NFC, infrared, or the like, and in the embodiment of the present invention, the preset medium is exemplified as bluetooth, preferably, the payer and the payee both need to turn on bluetooth, the payer scans nearby bluetooth information of the payee, and the payer actively initiates a connection to establish a secure information channel (application layer repackaging on BLE basis) includes the following steps:
(1) the payer ask the payee's random public key (exclusively for communication).
(2) The payee answer the payer's public random key.
(3) The payer encrypts a random key to the payee using the payer's random public key.
(4) The payee replies a confirmation response encrypted using the negotiated key.
Further, algorithms and keys for symmetric encryption may also be negotiated.
S102, the payee acquires a first digital certificate of the payer on the basis of the information channel and verifies the first digital certificate;
in the embodiment of the invention, the payer encrypts the first digital certificate of the payer to the payee based on the private key of the payer, the payee verifies the first digital certificate, the public key can be verified in the first digital certificate, the first digital certificate can be verified by using the root certificate, and the payee replies an encryption confirmation.
S103, the payer acquires the collection information of the collector and a second digital certificate of the collector, and verifies the second digital certificate and the collection information;
in the embodiment of the invention, the payer acquires the payment information of the payee and the second digital certificate of the payee and verifies the payee, acquires the transaction amount in the payment information under the condition of passing verification, and verifies the transaction amount, wherein the verification mode can be that a user checks whether the transaction amount is the same as the amount due or acquires the transaction amount at a specified position and compares the transaction amount with the amount due, and judges whether the two are the same in verification mode, if the transaction amount is different from the amount due, the verification is different, otherwise, if the transaction amount is the same as the amount due, the verification is passed, and under the condition of passing verification, a corresponding verification passing instruction can be triggered, and the second digital certificate is further verified by using the root certificate.
S104, after the verification is successful, the payer sends digital currency and a signature to the payee;
in the embodiment of the present invention, after the second digital certificate and the receipt information are both successfully verified, the payer sends digital money and a signature to the payee, where the amount of the digital money is the same as the transaction amount, the transaction amount may be a decimal or an integer, the signature is a signature for the transaction based on its own private key, and the signature is a hash transaction string.
S105, the payee verifies the digital currency and the signature, and sends a transaction receipt to the payer under the condition that the signature and the digital currency are verified;
in an embodiment of the present invention, the payee receives the digital currency and the signature, and verifies the digital currency and the signature, the verification process is as follows, the verification signature is a signature of the payer, the verification transaction amount is correct, and when both the signature and the digital currency are verified to pass, the payee sends a transaction receipt to the transaction receipt, and the transaction receipt sends the transaction receipt to the payer, wherein the transaction receipt includes: the payer, the transaction amount, the payee and the transaction identification, e.g., the transaction receipt is sign < payer, transaction amount, payee, transaction ID >.
S106, the payer deducts the transaction amount based on the transaction receipt, and the payee increases the transaction amount.
In the embodiment of the invention, the payer acquires the transaction amount in the transaction approval, deducts the transaction amount, and the payee adds the transaction amount, in which case, the state of the transaction amount of the payee is in a temporary state.
In the embodiment of the invention, if the transaction receipt cannot be received, two issuing forms can be adopted, one is online, after the transaction receipt is online, a bank informs two parties of an update contract, the bank does not store balance, only sends transaction information, updates a client, controls the money leading by a wallet, or stores the balance by the bank, and the client takes the online as the standard; one is off-line, and after the Bluetooth is reconnected, the receipt can be sent again, and the receipt 0 needs to be locally stored by the mobile phone;
the invention discloses a double off-line payment system of digital currency, which is applied to a payee and a payer, wherein the payer and the payee form a block chain, and the system comprises: under the condition that the payee is detected to input the transaction amount, broadcasting is carried out, and the payer establishes an information channel with the payee based on a preset medium; the payee acquires and verifies a first digital certificate of the payer based on the information channel; the payer acquires and verifies the collection information of the payee and the second digital certificate of the payee; after the verification is successful, the payer sends the digital currency and the signature to the payee to enable the payee to verify, and under the condition that both the signature and the digital currency pass the verification, a transaction receipt is sent to the payer; the payer deducts the transaction amount based on the transaction receipt, and the payee increments the transaction amount. The process realizes the establishment of the information channel based on the preset medium under the condition of no network, realizes the off-line payment of the payee and the payer based on the information channel, and is not limited by the network environment.
Compared with the prior art, the embodiment of the invention firstly adopts a non-national cryptographic algorithm in the prior art, but in the invention, the support to the national cryptographic SM2/SM3/SM9 series algorithms is considered, the national cryptographic algorithm can be appointed to be used through parameters in the process, the national cryptographic algorithm is supported to be switched, the core encryption algorithm is ensured, and the digital signature algorithm is supported by national requirements; the payment process in the prior art can only be used in a specific scene, such as swiping a bus card, and can be illegally swiped infinitely as long as a password of the bus card is decoded, in the embodiment of the invention, digital currency is adopted, and the property is the same as that of paper money, so that ownership can only be transferred from one person to another person, and one person cannot spend twice; the invention adopts the block chain technology, each transaction on the block chain has the information of the user such as signature, timestamp, random number and the like, the information can be used as a hash transaction string generated by the digital signature technology, the transaction string cannot be used again once being used, the account cannot be settled on the block chain, and the transaction cannot be spent; in the prior art, tokens based on a block chain cannot be compatible, the embodiment of the invention is realized based on a block chain intelligent contract, and related business logic codes can be migrated to any block chain system; in the prior art, digital identities are not compatible, in the embodiment of the invention, the digital identities can be compatible, the user identification uses decentralized digital identities, the identity uses a cryptographic algorithm to generate a unique identification which is recorded on a block chain, and related digital currencies can be bound with the identities.
In this embodiment of the present invention, the block chain further includes: a system for a bank blockchain is provided,
when the blockchain is detected to be in a network condition, acquiring transaction information of the payer and the payee;
the bank blockchain system verifying the payee, the payer, and the transaction amount based on the transaction information;
and changing the transaction state of the payer and the payee under the condition that the verification is passed, wherein the transaction amount of the payer is confirmed, and the transaction state of the transaction amount of the payee is changed from a temporary state to an available state.
In the embodiment of the present invention, based on the above-mentioned double offline payment system for digital money, the system is applied to a payee and a payer, where the payer and the payee form a block chain, and the embodiment of the present invention further provides a double offline payment method for digital money, which is applied to the payee, and an execution flow of the method is shown in fig. 2, and includes the steps of:
s201, under the condition that the receiving party inputs the transaction amount, broadcasting is carried out so that the paying party and the receiving party can establish an information channel;
s202, acquiring a first digital certificate of the payer based on the information channel, verifying the first digital certificate,
s203, after the verification is passed, receiving the digital currency and the signature sent by the payer, verifying the digital currency and the signature, and sending a transaction receipt to the payer under the condition that the signature and the digital currency are both verified.
In the embodiment of the present invention, the payment process of S201 to S203 is the same as the processing process for the payee in the payment system, and is not described herein again.
The invention discloses a double off-line payment method of digital currency, which comprises the following steps: under the condition that the payee is detected to input the transaction amount, broadcasting is carried out, and the payer establishes an information channel with the payee based on a preset medium; the payee acquires and verifies a first digital certificate of the payer based on the information channel; the payer acquires and verifies the collection information of the payee and the second digital certificate of the payee; after the verification is successful, the payer sends the digital currency and the signature to the payee to enable the payee to verify, and under the condition that both the signature and the digital currency pass the verification, a transaction receipt is sent to the payer; the payer deducts the transaction amount based on the transaction receipt, and the payee increments the transaction amount. The process realizes the establishment of the information channel based on the preset medium under the condition of no network, realizes the off-line payment of the payee and the payer based on the information channel, and is not limited by the network environment.
In the embodiment of the present invention, based on the above-mentioned dual offline payment system for digital currency, the system is applied to a payee and a payer, where the payer and the payee form a block chain, and the embodiment of the present invention further provides a dual offline payment method for digital currency, which is applied to the payer, and an execution flow of the method is shown in fig. 3, and includes the steps of:
s301, under the condition that a payee broadcast is received, the payer establishes an information channel with the payee based on a preset medium;
s302, under the condition that the payee verifies the payer according to the instruction, acquiring the collection information of the payee and a second digital certificate of the payee, and verifying the second digital certificate and the collection information;
s303, after the verification is successful, sending the digital currency and the signature to the payee so as to enable the payee to verify the digital currency and the signature, and sending a transaction receipt under the condition of passing the verification;
s304, receiving the transaction receipt, and deducting the corresponding transaction amount based on the transaction receipt.
In the embodiment of the present invention, the payment process of S301 to S304 is the same as the processing process for the payer in the payment system, and is not described herein again.
The invention discloses a double off-line payment method of digital currency, which comprises the following steps: under the condition that the payee is detected to input the transaction amount, broadcasting is carried out, and the payer establishes an information channel with the payee based on a preset medium; the payee acquires and verifies a first digital certificate of the payer based on the information channel; the payer acquires and verifies the collection information of the payee and the second digital certificate of the payee; after the verification is successful, the payer sends the digital currency and the signature to the payee to enable the payee to verify, and under the condition that both the signature and the digital currency pass the verification, a transaction receipt is sent to the payer; the payer deducts the transaction amount based on the transaction receipt, and the payee increments the transaction amount. The process realizes the establishment of the information channel based on the preset medium under the condition of no network, realizes the off-line payment of the payee and the payer based on the information channel, and is not limited by the network environment.
The double offline payment method based on the digital currency is applied to a payee, and in the embodiment of the invention, a double offline payment device of the digital currency is also provided and applied to the payee, and a structural block diagram of the payment device is shown in fig. 4, and the method comprises the following steps:
a broadcast module 201, a verification module 202 and a verification and transmission module 203.
Wherein the content of the first and second substances,
the broadcasting module 201 is configured to broadcast, when detecting that the payee inputs a transaction amount, to enable the payer and the payee to establish an information channel;
the verification module 202 is configured to obtain a first digital certificate of the payer based on the information channel, verify the first digital certificate,
the verification and transmission module 203 is configured to receive the digital currency and the signature sent by the payer after the verification passes, verify the digital currency and the signature, and send a transaction receipt to the payer when both the signature and the digital currency pass the verification.
The invention discloses a double off-line payment device for digital currency, which comprises: under the condition that the payee is detected to input the transaction amount, broadcasting is carried out, and the payer establishes an information channel with the payee based on a preset medium; the payee acquires and verifies a first digital certificate of the payer based on the information channel; the payer acquires and verifies the collection information of the payee and the second digital certificate of the payee; after the verification is successful, the payer sends the digital currency and the signature to the payee to enable the payee to verify, and under the condition that both the signature and the digital currency pass the verification, a transaction receipt is sent to the payer; the payer deducts the transaction amount based on the transaction receipt, and the payee increments the transaction amount. The process realizes the establishment of the information channel based on the preset medium under the condition of no network, realizes the off-line payment of the payee and the payer based on the information channel, and is not limited by the network environment.
Based on the above-mentioned double offline payment method of digital currency, which is applied to the payer, the embodiment of the present invention further provides a double offline payment device of digital currency, which is applied to the payer, and the structural block diagram of the payment device is shown in fig. 5, and includes:
an establishment module 301, an acquisition and verification module 302, a sending module 303 and a deduction module 304.
Wherein the content of the first and second substances,
the establishing module 301 is configured to, in a case where a payee broadcast is received, establish an information channel with the payee by the payer based on a preset medium;
the obtaining and verifying module 302 is configured to, when the receiving party receives the instruction that the verifying of the receiving party on the payer passes, obtain the receiving information of the receiving party and the second digital certificate of the receiving party, and verify the second digital certificate and the receiving information;
the sending module 303 is configured to send the digital currency and the signature to the payee after the verification is successful, so that the payee verifies the digital currency and the signature, and sends the transaction receipt if the verification is passed;
the deduction module 304 is configured to receive the transaction receipt, and deduct a corresponding transaction amount based on the transaction receipt.
The invention discloses a double off-line payment method of digital currency, which comprises the following steps: under the condition that the payee is detected to input the transaction amount, broadcasting is carried out, and the payer establishes an information channel with the payee based on a preset medium; the payee acquires and verifies a first digital certificate of the payer based on the information channel; the payer acquires and verifies the collection information of the payee and the second digital certificate of the payee; after the verification is successful, the payer sends the digital currency and the signature to the payee to enable the payee to verify, and under the condition that both the signature and the digital currency pass the verification, a transaction receipt is sent to the payer; the payer deducts the transaction amount based on the transaction receipt, and the payee increments the transaction amount. The process realizes the establishment of the information channel based on the preset medium under the condition of no network, realizes the off-line payment of the payee and the payer based on the information channel, and is not limited by the network environment.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in a plurality of software and/or hardware when implementing the invention.
From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
The above is a detailed description of the system, method and apparatus for dual offline payment of digital currency provided by the present invention, and a specific example is applied in the present document to explain the principle and implementation of the present invention, and the description of the above embodiment is only used to help understanding the method and core idea of the present invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. A dual offline payment system for digital currency, applied to a payee and a payer, said payer and said payee comprising a blockchain, said system comprising:
under the condition that the payee is detected to input the transaction amount, broadcasting, wherein the payer establishes an information channel with the payee based on a preset medium;
the payee acquires a first digital certificate of the payer based on the information channel and verifies the first digital certificate;
the payer acquires collection information of the payee and a second digital certificate of the payee, and verifies the second digital certificate and the collection information;
after the verification is successful, the payer sends digital currency and a signature to the payee;
the payee verifies the digital currency and the signature, and sends a transaction receipt to the payer under the condition that the signature and the digital currency are verified;
the payer deducts the transaction amount based on the transaction receipt, and the payee increments the transaction amount.
2. The system of claim 1, wherein the blockchain further comprises: a system for a bank blockchain is provided,
when the blockchain is detected to be in a network condition, acquiring transaction information of the payer and the payee;
the bank blockchain system verifying the payee, the payer, and the transaction amount based on the transaction information;
and in the case of passing the verification, changing the transaction state of the payer and the payee.
3. The system of claim 1, wherein the payer establishes an information channel with the payee based on a predetermined medium, comprising:
the payer asks the payee for the random public key;
the payee sends the random public key to the payer for response;
the payer encrypts a random key based on the random public key and sends the random key to the payee;
the payee encrypts a reply confirmation response based on the random key.
4. The system of claim 1, wherein verifying the second digital certificate and the receipt information comprises:
verifying the payee;
acquiring the transaction amount in the collection information, and verifying the transaction amount;
verifying the second digital certificate based on a root certificate.
5. The system of claim 1, wherein the transaction receipt comprises: if the payer receives the transaction receipt, the information channel is disconnected, and the information channels of the payer and the payee are reestablished based on the preset medium.
6. The system of claim 1, wherein the transaction status of the transaction amount in the payee is a temporary status.
7. A method of dual off-line payment for digital currency, for use with a payee, the method comprising:
under the condition that the payee is detected to input the transaction amount, broadcasting is carried out so as to enable the payer and the payee to establish an information channel;
acquiring a first digital certificate of the payer based on the information channel, and verifying the first digital certificate;
and after the verification is passed, receiving the digital currency and the signature sent by the payer, verifying the digital currency and the signature, and sending a transaction receipt to the payer under the condition that the signature and the digital currency are verified to be passed.
8. A method for dual offline payment of digital currency, applied to a payer, the method comprising:
under the condition of receiving a payee broadcast, the payer establishes an information channel with the payee based on a preset medium;
under the condition that the payee verifies the payer through the instruction, acquiring the collection information of the payee and a second digital certificate of the payee, and verifying the second digital certificate and the collection information;
after the verification is successful, sending the digital currency and the signature to the payee so as to enable the payee to verify the digital currency and the signature, and sending a transaction receipt under the condition of passing the verification;
and receiving the transaction receipt, and deducting the corresponding transaction amount based on the transaction receipt.
9. A dual off-line payment device for digital currency, for use with a payee, the device comprising:
the broadcast module is used for broadcasting under the condition that the payee is detected to input the transaction amount so as to enable the payer and the payee to establish an information channel;
the verification module is used for acquiring a first digital certificate of the payer based on the information channel and verifying the first digital certificate;
and the verification and transmission module is used for receiving the digital currency and the signature sent by the payer after the verification is passed, verifying the digital currency and the signature, and sending a transaction receipt to the payer under the condition that the signature and the digital currency are verified to be passed.
10. A dual offline payment apparatus for digital currency, applied to a payer, the apparatus comprising:
the establishment module is used for establishing an information channel between the payer and the payee based on a preset medium under the condition of receiving the broadcast of the payee;
the acquisition and verification module is used for acquiring the collection information of the collection party and the second digital certificate of the collection party and verifying the second digital certificate and the collection information under the condition that the collection party verifies the payer through receiving the instruction;
the sending module is used for sending the digital currency and the signature to the payee after the verification is successful so as to ensure that the payee verifies the digital currency and the signature, and sending a transaction receipt under the condition of passing the verification;
and the deduction module is used for receiving the transaction receipt and deducting the corresponding transaction amount based on the transaction receipt.
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| CN202110175166.7A CN113159744A (en) | 2021-02-07 | 2021-02-07 | Double-off-line payment system, method and device for digital currency |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113469693A (en) * | 2021-07-27 | 2021-10-01 | 中国银行股份有限公司 | Method, system and nodes for providing service by using mobile terminal based on block chain |
| CN113627927A (en) * | 2021-08-03 | 2021-11-09 | 支付宝(杭州)信息技术有限公司 | Offline payment method and system |
| CN115082067A (en) * | 2022-07-27 | 2022-09-20 | 北京大学 | Digital currency double-off-line payment method and device based on SM2 |
| CN115564414A (en) * | 2022-08-22 | 2023-01-03 | 昆明理工大学 | Digital currency double-off-line transaction method and system |
| WO2023066040A1 (en) * | 2021-10-19 | 2023-04-27 | 中国人民银行数字货币研究所 | Digital currency payment method and apparatus |
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2021
- 2021-02-07 CN CN202110175166.7A patent/CN113159744A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113469693A (en) * | 2021-07-27 | 2021-10-01 | 中国银行股份有限公司 | Method, system and nodes for providing service by using mobile terminal based on block chain |
| CN113627927A (en) * | 2021-08-03 | 2021-11-09 | 支付宝(杭州)信息技术有限公司 | Offline payment method and system |
| WO2023066040A1 (en) * | 2021-10-19 | 2023-04-27 | 中国人民银行数字货币研究所 | Digital currency payment method and apparatus |
| CN115082067A (en) * | 2022-07-27 | 2022-09-20 | 北京大学 | Digital currency double-off-line payment method and device based on SM2 |
| CN115564414A (en) * | 2022-08-22 | 2023-01-03 | 昆明理工大学 | Digital currency double-off-line transaction method and system |
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