CN115293767A - Safety verification method and system for digital currency exchange of high-cabinet of bank - Google Patents
Safety verification method and system for digital currency exchange of high-cabinet of bank Download PDFInfo
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- CN115293767A CN115293767A CN202210882563.2A CN202210882563A CN115293767A CN 115293767 A CN115293767 A CN 115293767A CN 202210882563 A CN202210882563 A CN 202210882563A CN 115293767 A CN115293767 A CN 115293767A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/381—Currency conversion
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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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The invention provides a security verification method and a system for high-cabinet digital currency exchange of a bank, wherein the security verification method comprises the following steps: when a user initiates a transaction request, a background system generates a secret key, and the secret key is downloaded to a safety verification device; the machine tool generates a two-dimensional code according to the verification elements and requests the security verification device to encrypt the verification elements; the safety checking device encrypts the checking element by using the key to generate a reference encrypted checking element and then stores the reference encrypted checking element; a user uses the handheld mobile equipment to scan the generated two-dimensional code, acquires the verification element, inputs the exchange amount, and sends a transaction request comprising the amount and the verification element to a background system; the background system encrypts the money and the verification element by using the key to generate an encrypted money and compares the encrypted verification element, and then sends the encrypted money and the comparison encrypted verification element to the machine tool; the machine tool sends the machine tool to the safety verification device after receiving the machine tool; and the safety verification device compares and compares the encryption verification element with the reference encryption verification element, and if the encryption verification element is the same as the reference encryption verification element, the verification is passed.
Description
Technical Field
The invention relates to a security verification method and a system, in particular to a security verification method and a system for high-cabinet digital currency exchange of a bank.
Background
At present, with the continuous promotion of the research and development and application scenes of digital currency, the high cabinet machines and tools of banks face the upgrading and transformation requirements related to the digital currency (issued by the Chinese people's banks), common requirements include the function of exchanging the digital currency and the paper currency, and illegal persons can cheat in the transaction through the means of message tampering, message retransmission and the like when exchange transaction is carried out, so that the fund risk is caused.
Accordingly, there is a need for a secure currency exchange method and system.
Disclosure of Invention
In order to solve the problems, the invention provides a security verification method and a security verification system for conversion of digital currency and paper currency.
According to an aspect of the present invention, there is provided a security verification method, the method including: when a user initiates a transaction request of digital currency exchange through a machine, a background system of a bank generates a key aiming at the transaction request of the machine, and the key is downloaded to a safety verification device; the machine tool generates a two-dimensional code according to the verification elements and requests the safety verification device to encrypt the verification elements; the safety verification device encrypts the verification elements by using a secret key downloaded from the background system according to the request of the machine tool to generate reference encrypted verification elements, and then stores the reference encrypted verification elements in the safety verification device; a user initiating a transaction request uses a handheld mobile device to scan a two-dimensional code generated by an implement, obtain a check element, input the amount of money to be exchanged and send the transaction request comprising the amount of money and the check element to a background system; the background system encrypts the sum and the verification element by using the key to generate an encrypted sum and a comparison encryption verification element, and then sends the encrypted sum and the comparison encryption verification element to the machine tool; the machine tool sends the encrypted money and the compared encrypted verification elements to the safety verification device for verification after receiving the encrypted money and comparing the encrypted verification elements; the security check device compares the comparison encrypted check element received from the equipment with the reference encrypted check element previously stored therein, passes the check if the two encrypted check elements are the same, and performs a transaction of digital currency conversion.
The verification element is at least one of website information, machine tool information and transaction serial number.
If the two encryption verification factors are different, the verification fails, and the transaction of the digital currency conversion is refused.
According to another aspect of the invention, a security verification system, the system comprising: the background system generates a secret key every time a user initiates a transaction request of digital currency conversion through the machine tool; encrypting the sum and the check element sent by the handheld mobile equipment by using the generated key to generate an encrypted sum and a comparison encrypted check element, and then sending the encrypted sum and the comparison encrypted check element to the machine tool; the machine tool generates a two-dimensional code according to the verification element, requests the security verification device to encrypt the verification element, and sends the encrypted amount received from the background system and the compared encryption verification element to the security verification device; the safety verification device downloads a key from the background system according to the transaction request, encrypts the verification element according to the request of the machine tool by using the key to generate a reference encryption verification element, and stores the reference encryption verification element in the safety verification device; comparing the comparison encryption verification element received from the machine with the reference encryption verification element stored in the comparison encryption verification element, if the two encryption verification elements are the same, the verification is passed, and the transaction of digital currency conversion is carried out; the mobile equipment is held by hand, the two-dimensional code generated by the machine tool is scanned, the verification element is obtained, the amount of money required to be exchanged is input, and the amount of money and the verification element are sent to the background system.
According to yet another aspect of the present invention, there is provided a computer program product encoded on a computer storage medium, comprising instructions which, when executed by one or more computers, will cause the one or more computers to perform the above-described method.
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Fig. 1 shows a flow diagram of a security verification method according to an embodiment of the invention.
FIG. 2 shows a block diagram of a security verification system according to an embodiment of the invention.
Detailed Description
Embodiments of the present disclosure will be described below with reference to the drawings. In the drawings, the same reference numerals are used for the same or corresponding structural elements. In addition, in the following description of the embodiments, a repetitive description of the same or corresponding structural elements may be omitted. However, even if the description of the structural elements is omitted, it does not mean that those structural elements are not included in a certain embodiment.
Although process steps, method steps, algorithms or the like may be described in a sequential order in the flowcharts illustrated in this specification, these processes, methods and algorithms may be configured to operate in any suitable order. In other words, the steps of processes, method steps, and algorithms illustrated in the various embodiments of the present disclosure need not be performed in the order described in the present disclosure.
Further, even though some of the steps are described as being performed non-concurrently, in other embodiments some of the steps may be performed concurrently. Moreover, the examples of processes described by the figures do not imply that the illustrated processes preclude other variations and modifications thereto, and that no illustrated process or any of its steps is essential in more than one of the various embodiments of the disclosure, which is preferred.
Fig. 1 shows a flow diagram of a security verification method according to an embodiment of the invention.
In step S101, when a user initiates a transaction request of digital currency (issued by the people' S bank of china) conversion through a machine, a background system of the bank will generate a key for the machine to request the transaction this time, and then the security verification device corresponding to the machine downloads the key generated by the background system. To ensure security, a new key is generated for each transaction.
Then, in step S102, the implement generates a two-dimensional code according to at least one of the website information, the implement information, and the transaction serial number (website information, implement information, and transaction serial number, which may be collectively referred to as a verification element hereinafter), and requests the security verification device to encrypt the verification element. The implement may be a kiosk located at a banking outlet or any suitable device capable of handling digital currency exchanges.
In step S103, the security verification apparatus encrypts the verification elements using the key downloaded from the back-end system according to the request of the tool to generate reference encrypted verification elements, and then stores the reference encrypted verification elements in the security verification apparatus.
In step S104, the user initiating the transaction request may use the two-dimensional code generated by the handheld mobile device scanner to obtain the verification elements. In addition, the user enters an amount of money to be redeemed via the handheld mobile device and sends a transaction request including the amount and the verification elements to the back-office system.
In step S105, the background system encrypts the amount of money and the verification element sent by the user through the handheld mobile device using the key generated when the user initiates the transaction request through the implement to generate an encrypted amount and a comparison encrypted verification element, and then sends the encrypted amount and the comparison encrypted verification element as a response to the implement.
In step S106, the implement receives the encrypted amount and compares the encrypted verification factor, and then sends the encrypted amount and the compared encrypted verification factor to the security verification device for verification.
In step S107, the security check device compares the comparison encrypted check element received from the tool with the reference encrypted check element previously stored therein, and if the two encrypted check elements are the same, proceeds to step S108, where the verification is passed, and the transaction of digital currency conversion is performed.
If the two cryptographic check factors are different, it goes to step S109, where the check fails, and the transaction of digital currency conversion is rejected.
FIG. 2 shows a block diagram of a security verification system according to an embodiment of the invention.
The safety verification system comprises a background system, a machine tool, a safety verification device and handheld mobile equipment, wherein the safety verification device corresponds to the machine tool.
The background system is maintained by a bank, and when a user initiates a transaction request of digital currency conversion through the machine, the background system generates a secret key aiming at the transaction request of the machine. To ensure security, a new key is generated for each transaction. The background system may encrypt the amount and the verification element sent through the handheld mobile device using the generated key to generate an encrypted amount and a comparison encrypted verification element, and may then send the encrypted amount and the comparison encrypted verification element to the implement.
The implement may be a kiosk located at a banking outlet or any suitable device capable of handling digital currency exchanges. The machine tool can generate a two-dimensional code according to at least one of the website information, the machine tool information and the transaction serial number (the website information, the machine tool information and the transaction serial number can be collectively referred to as a verification element hereinafter), and meanwhile, the safety verification device is requested to encrypt the verification element. The machine tool can send the encrypted money sum comparison encryption verification element received from the background system to the safety verification device for verification.
The security check device may download a key from the backend system according to a transaction request of a user, and may encrypt the check element according to a request of the tool using the key to generate a reference encrypted check element, and then store the reference encrypted check element in the security check device. The safety checking device compares the comparison encryption checking element received from the machine with the reference encryption checking element stored in the machine, if the two encryption checking elements are the same, the checking is passed, and the transaction of digital currency conversion can be carried out; if the two cryptographic check elements are different, the check fails and the transaction of the digital currency conversion may be rejected.
The handheld mobile equipment can scan the two-dimensional code generated by the machine tool to obtain the verification elements. In addition, the handheld mobile device may be used to enter an amount of money to be redeemed, and the handheld mobile device may send the amount and the verification elements to the backend system.
Through the security verification processing, the security of digital currency exchange can be improved, the interests of customers and banks are prevented from being damaged, and personal and collective properties are prevented from being infringed by illegal persons.
The embodiments of the present disclosure can be written as computer programs and can be implemented in general-use digital computers that execute the programs using a computer readable recording medium.
In this state, the medium may continuously store the program that can be executed by the computer, or may temporarily store the program for execution or download. Further, the medium may be various recording devices or storage devices in combination of single or plural hardware, is not limited to a medium directly accessing a computer system, and may exist in a distributed manner in a network. Examples of media include magnetic storage media (such as a floppy disk or hard drive), optical recording media (such as a CD-ROM or DVD), magneto-optical media (such as a floppy disk), and ROM, RAM, flash memory, etc., configured to store program instructions. Further, examples of other media may include: an application store for distributing applications, a site for providing or distributing other various software, and a recording medium or a storage medium managed at a server.
While the present disclosure has been particularly shown and described with reference to preferred embodiments using specific terms, the embodiments and terms should be considered in a descriptive sense only and not for purposes of limitation. Accordingly, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present disclosure as defined by the following claims.
Claims (7)
1. A security verification method, the method comprising:
when a user initiates a transaction request of digital currency exchange through a machine, a background system of a bank generates a key aiming at the transaction request of the machine, and the key is downloaded to a safety verification device;
the machine tool generates a two-dimensional code according to the verification elements and requests the safety verification device to encrypt the verification elements;
the safety verification device encrypts the verification elements by using a secret key downloaded from the background system according to the request of the machine tool to generate reference encrypted verification elements, and then stores the reference encrypted verification elements in the safety verification device;
a user initiating a transaction request uses a handheld mobile device to scan a two-dimensional code generated by an implement, obtain a check element, input the amount of money to be exchanged and send the transaction request comprising the amount of money and the check element to a background system;
the background system encrypts the sum and the verification element by using the key to generate an encrypted sum and a comparison encryption verification element, and then sends the encrypted sum and the comparison encryption verification element to the machine tool;
the machine tool sends the encrypted money and the compared encrypted verification elements to the safety verification device for verification after receiving the encrypted money and comparing the encrypted verification elements;
the security check means compares the comparison encrypted check element received from the instrument with the reference encrypted check element previously stored therein, passes the check if the two encrypted check elements are the same, and performs a transaction of digital currency conversion.
2. The method of claim 1, wherein the verification factor is at least one of site information, implement information, and transaction serial number.
3. The method of claim 1, wherein if the two cryptographic check elements are different, the check fails and the transaction of the digital currency conversion is rejected.
4. A security verification system, the system comprising:
the background system generates a secret key every time a user initiates a transaction request of digital currency conversion through the machine tool; encrypting the sum and the check element sent by the handheld mobile equipment by using the generated key to generate an encrypted sum and a comparison encrypted check element, and then sending the encrypted sum and the comparison encrypted check element to the machine tool;
the machine tool generates a two-dimensional code according to the verification element, requests the security verification device to encrypt the verification element, and sends the encrypted amount received from the background system and the compared encryption verification element to the security verification device;
the safety checking device downloads a secret key from the background system according to the transaction request, encrypts the checking element according to the request of the machine tool by using the secret key to generate a reference encryption checking element, and stores the reference encryption checking element in the safety checking device; comparing the comparison encryption verification element received from the tool with the reference encryption verification element stored in the comparison encryption verification element, if the two encryption verification elements are the same, the verification is passed, and the transaction of digital currency conversion is carried out;
the mobile equipment is held by hand, the two-dimensional code generated by the machine tool is scanned, the verification element is obtained, the amount of money required to be exchanged is input, and the amount of money and the verification element are sent to the background system.
5. The system of claim 4, wherein the verification factor is at least one of website information, implement information, and transaction serial number.
6. The system of claim 4, wherein if the two cryptographic check elements are different, the check fails and the transaction of the digital currency conversion is rejected.
7. A computer program product encoded on a computer storage medium, comprising instructions that, when executed by one or more computers, will cause the one or more computers to perform the method of any of claims 1-3.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210882563.2A CN115293767B (en) | 2022-07-26 | 2022-07-26 | Safety verification method and system for digital currency exchange of high-cabinet of bank |
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| CN202210882563.2A CN115293767B (en) | 2022-07-26 | 2022-07-26 | Safety verification method and system for digital currency exchange of high-cabinet of bank |
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| CN115293767A true CN115293767A (en) | 2022-11-04 |
| CN115293767B CN115293767B (en) | 2023-03-07 |
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