WO2018128581A1 - Procédé de gestion de transaction - Google Patents

Procédé de gestion de transaction Download PDF

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Publication number
WO2018128581A1
WO2018128581A1 PCT/SG2017/050007 SG2017050007W WO2018128581A1 WO 2018128581 A1 WO2018128581 A1 WO 2018128581A1 SG 2017050007 W SG2017050007 W SG 2017050007W WO 2018128581 A1 WO2018128581 A1 WO 2018128581A1
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
digest
merchant
code
client
Prior art date
Application number
PCT/SG2017/050007
Other languages
English (en)
Inventor
Yi Kai KONG
Chia How CHENG
Original Assignee
Aimazing Pte Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Aimazing Pte Ltd filed Critical Aimazing Pte Ltd
Priority to PCT/SG2017/050007 priority Critical patent/WO2018128581A1/fr
Publication of WO2018128581A1 publication Critical patent/WO2018128581A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code

Definitions

  • This invention relates generally to a transaction management method.
  • a transaction management method comprising receiving incoming sound signals transmitted in at least one of a plurality of frequencies from a client device, the plurality of frequencies being predefined, extracting transaction digest from the incoming sound signals received over at least one of the plurality of frequencies and verifying existence of a merchant code in the transaction digest, the transaction digest further comprising a client code being incorporated into the transaction digest by the client device.
  • the merchant code is indicative of a merchant and the client code being indicative of a client.
  • the transaction management method further comprises updating a blockchain with the transaction digest in response to existence of the merchant code being verified. Wherein transaction between the merchant and the client is effected upon update of the blockchain with the transaction digest.
  • a machine-readable medium having stored therein a plurality of programming instructions, which when executed, the instructions cause the machine to receive incoming sound signals transmitted in at least one of a plurality of frequencies from a client device, the plurality of frequencies being pre-defined, extract transaction digest from the incoming sound signals received over at least one of the plurality of frequencies and verify existence of a merchant code in the transaction digest, the transaction digest further comprising a client code being incorporated into the transaction digest by the client device.
  • the merchant code is indicative of a merchant and the client code being indicative of a client.
  • the plurality of programming instructions when executed, further cause the machine to update a blockchain with the transaction digest in response to existence of the merchant code being verified. Wherein transaction between the merchant and the client is effected upon update of the blockchain with the transaction digest.
  • a transaction management method comprising receiving incoming sound signals transmitted in at least one of a plurality of frequencies from a client device, the plurality of frequencies being predefined, extracting transaction digest from the incoming sound signals received over at least one of the plurality of frequencies and verifying existence of a merchant code in the transaction digest, the transaction digest further comprising a client code being incorporated into the transaction digest by the client device.
  • the merchant code is indicative of a merchant and the client code being indicative of a client. Wherein transaction between the merchant and the client is effected upon existence of the merchant code being verified.
  • FIG. 1 shows a process flow of a transaction management method according to an aspect of the invention
  • FIG. 2 shows a system block diagram of a transaction management system in accordance with an aspect of the invention- for implementing the transaction management method of FIG. 1 ;
  • FIG. 3 illustrates exemplary look-up tables for generating/encoding and decoding incoming sound signals and outgoing sound signals of the transaction management system of FIG. 3;
  • FIG. 4 illustrates an auto-encoder for data compression and decompression in the transaction management method of FIG. 4;
  • FIG. 5 shows a structure of a blockchain of the transaction management method of FIG. 1 ;
  • FIG. 6 illustrates a structure of a Merkel tree for generating a Merkel from multiple transactions for capture as a transaction digest in a transaction data block of the blockchain of FIG. 5;
  • FIG. 7 illustrates a structure of a chain of transactions based upon the blockchain of FIG. 5.
  • Implementations of the present disclosure are generally directed to the transaction management method 100 and the transaction management system to provide a comprehensive platform system to facilitate delivery of services in, but not limited, business-to-business (B2B), business-to-consumer (B2C), consumer-to-consumer (C2C), business-to-government (B2G) and government-to-business (G2C) arrangements.
  • B2B applies also to individuals requiring operating in a business framework.
  • the services provided can be adapted through a choice of B2B gateway services.
  • the transaction management method 100 sets the stage for the next service-oriented revolution, referred variously as service ecosystems, future business value networks, and other forms of hubs and communities, underpinned by an Internet-scale infrastructure, to provide a level playing field for supply and demand of transaction and transaction management services on the Internet across a multitude of devices and computing systems.
  • An exemplary system architecture of the transaction management system 20 can include one or more of a client device 22 associated with a client and a merchant system 24. As shown in FIG. 1, the transaction management system 20 further comprises a distributed ledger system 26 in data communication with the merchant system 24. The merchant system 24 can communicate with the distributed ledger system 26 over a network 28. In some implementations, the transaction management system 20 may represent a client/server system supporting multiple merchant system 24 including one or more clients (e.g., the client device 22) that are connect! vely coupled for communication with one another over the network 28.
  • the client device 22 also referred to hereinafter as a user computing device, can represent various forms of processing devices including, but not limited to, a desktop computer, a laptop computer, a handheld computer, a personal digital assistant (PDA), a smartphone, a smart tablet, a cellular telephone, a network appliance, a camera, a smart phone, an enhanced general packet radio service (EGPRS) mobile phone, a media player, a navigation device, an email device, a game console, or a combination of any two or more of these data processing devices or other data processing devices.
  • PDA personal digital assistant
  • ESG enhanced general packet radio service
  • the merchant system 24 can represent various forms of server systems including, but not limited to a web server, an application server, a proxy server, a network server, or a server farm which interacts and communicates with the client device 22 at node devices, for example a merchant device 30.
  • the merchant device 30 may be a smart device similar to the client device 22 or may be a point-of-sales (POS) device that is standalone or in data communication to a central controller managing multiple POS devices.
  • the network 28 can be a large computer network, such as a local area network (LAN), wide area network (WAN), the Internet, a cellular network, or a combination thereof connecting any number of mobile clients, fixed clients, and/or servers.
  • LAN local area network
  • WAN wide area network
  • the Internet a cellular network, or a combination thereof connecting any number of mobile clients, fixed clients, and/or servers.
  • each client e.g., user computing device 22
  • VPN virtual private network
  • SSH Secure Shell
  • the network 32 can include the Internet, a wireless service network and may include the Public Switched Telephone Network (PSTN).
  • PSTN Public Switched Telephone Network
  • the network 28 may include a corporate network (e.g., an intranet) and one or more wireless access points.
  • the merchant system 24 receives incoming sound signals 32 transmitted in at least one of a plurality of frequencies 34 from the client device 22 in a step 110.
  • the plurality of frequencies 34 are pre-defined while the incoming sound signals 32 are received via the merchant device 30.
  • transaction digest 36 is extracted from the incoming sound signals 32 received over at least one of the plurality of frequencies 34 in a step 112.
  • Existence of a merchant code 38 in the transaction digest 36 is then verified by the merchant system 24, for example by the merchant device 30, in a step 114.
  • the transaction digest 36 further comprises a client code 40 being incorporated into the transaction digest 36 by the client device 22.
  • the merchant code 38 is indicative of a merchant and identity thereof, while the client code 40 is indicative of a client and the identity thereof.
  • a blockchain 42 is updated with the transaction digest 36 in a step 116 in response to existence of the merchant code 38 being verified.
  • the blockchain 42 is then broadcasted to the distributed ledger system 26 in a step 118 in response to the blockchain 42 being updated 42.
  • Transaction between the merchant and the client is effected upon update of the blockchain 42 with the transaction digest 36. In some instances, transaction between the merchant and the client may be effected upon existence of the merchant code 38 being verified.
  • the step 114 of verifying existence of the merchant code 38 in the transaction digest 36 can comprise a step 120 of verifying validity of the merchant code 38 against a whitelist, also known as whitelist data.
  • a whitelist also known as whitelist data.
  • the step 116 of updating the blockchain 42 with the transaction digest 36 in response to one or more of existence of the merchant code 38 in the transaction digest 36 being verified existence of client code 40 in the transaction digest 36 being verified and validity of at least one of transaction data 46 and the client code 40 against at least one of the blockchain 42 and the whitelist data may be verified prior to updating the blockchain 42 with the transaction digest 36 in a step 122.
  • the transaction data 46 being contained in the transaction digest 36 is indicative of the nature of transaction, for example, transaction amount, transaction conditions and transaction schedule.
  • the step 116 of updating the blockchain 42 with the transaction digest 36 comprises a step 130 of determining a current block digest from the blockchain 42, appending the current block digest to the transaction digest 36 to obtain a transaction data block 50 in a step 132, and updating the blockchain 42 with the transaction datablock 59 to thereby obtain an updated blockchain in a step 134.
  • a ledger of the distributed ledger system 26 is updated with at least one of the transaction datablock 50 and the updated blockchain in the 118.
  • the transaction digest 36 further comprises indication of at least one of date and time whereat the client code 40 is being incorporated into the transaction digest 36, for example, a timestamp. It is also preferred that the transaction digest 36 is compressed and encrypted, for example via RSA, prior to generating the incoming sound signals 32 therefrom.
  • the merchant system 24 transmits outgoing sound signals 54 generated from merchant data in at least one of the plurality of frequencies 34 to the client device 22 in a step 140.
  • the merchant data comprises the merchant code 38 being extractable from the outgoing sound signals 54 and processable with the client code 40 by the client device 22 for generating the transaction digest 36 therefrom.
  • the merchant data may further comprise at least a portion of the transaction data 46. It is preferred that the merchant data be compressed and processed with a hash function prior to generating the outgoing sound signals 54 therefrom.
  • the hash function utilises one or more of MD5, SHA1 , SHA256, SHA3, BLAKE and BCRYPT functions.
  • each of the client device 22 and the merchant system 24, via the merchant device 30, comprises a sound transducer assembly for transducing between sound and electrical signals.
  • the sound transducer assembly can comprises a microphone for receiving sound signals and at least one speakers to generating sound signals.
  • segments of each of the transaction digest 36 and the merchant data are being transmitted as signal wave at least one of sequentially and superpositioned via the plurality frequencies 34 in the steps 110 and 140.
  • the sound signals in the form of mechanical sound waves such as the incoming sound signals 32 and the outgoing sound signals 54, are below 22kHz.
  • a further preferred sound bandwidth of 6kHz to 20kHz is utilized for the plurality of frequencies 34 with each of a plurality of characters in a predefined dataset having one or more specific frequencies being associated therewith.
  • the sound signals for example the incoming sound signals 32 and the outgoing sound signals 54, may be represented as sine waves that may be transmitted and received in various modes as shown in FIG.
  • the sound signals or sine waves may be based on a single wave in mode 1 as represented in Table 1 of FIG. 3, sequence of waves in mode 2 as represented in Table 2 of FIG. 3 or superpositioning of waves in mode 3 as represented in Table 3 of FIG. 3.
  • the transaction management method 100 enables one handheld device to transmit messages to other handheld devices via mechanical sound waves for effecting transaction thereby.
  • most typical handheld devices such as smart phones and smart tabs, have a microphone and a speaker, using sound waves to transmit small amount of data comparing with QR code and Near Field Communication will render the transaction management system 20 platform- independent and economical.
  • FIG. 1 illustrates these features in the form of a workflow where the Client utilizes the transaction management method 100 and the transaction management system 20 to send the merchant a transaction and to register the transaction via storing the transaction to the distributed ledger system 26.
  • the merchant sends his public key hash, for example in the form of an account address, to the client.
  • the client uses his private key to sign public key hash with a timestamp provided by merchant to enable the client to declare to whom he intends to make a payment transaction to.
  • the client passes the signed public hash key to the merchant via sound wave.
  • the merchant checks whether the digital signature contains his public key hash before proceeding to broadcast the client's signature, pre-signed public hash key, to the distributed ledger system 26.
  • the transaction management system 20 will then check whether the merchant is on the whitelist and verify if this transaction is valid.
  • the transaction management system 20 further comprises an autoencoder 62 shown employing an artificial neural network to perform high performance wave data compression.
  • data x is processed, encoded and compressed, into data z by the pre-trained autoencoder 62 before data z is transmitted at sound waves.
  • the recipient of the sound waves will then extract data z from the received sound waves before the like autoencoder 62 n a recipient device decodes the exracted data z into data x'.
  • the blockchain 32 provides an ordered and timestamped record of transactions between merchant and client. Therefore the blockchain 32 used by the transaction management system 20 protects against double spending and modification of previous transaction records.
  • member(s) of the distributed ledger system 26 vote to determine whether an individual is able to join the ecosystem to become a valid node in the distributed ledger system 26.
  • Each node in a network of nodes of the distributed ledger system 26 independently stores the block chain 32 containing only data blocks, for example the transaction data blocks 50, validated by that node.
  • data blocks for example the transaction data blocks 50
  • consensus rules The validation rules these nodes follow in order to maintain consensus are called consensus rules.
  • data of one or more new transactions is collected into the transaction data part of a data block. Copies of each transaction are hashed to obtain a digest before the digests are paired, hashed, paired again, and hashed again until a single eventual digest remains to represent a Merkle root 64 of a Merkle tree 66.
  • the Merkle root is stored in a data block header.
  • Each data block also stores the hash, or digest, of the previous data block's header to thereby chain the data blocks together. This ensures that a transaction cannot be modified without having the other data blocks in the blockchain 32 modified as well.
  • each transaction spends electronic currency previously received in one or more earlier transactions, thereby resulting in the input of one transaction being the output of a previous transaction.
  • An electronic currency is a chain of digital signatures. Therefore, each payer transfers the currency to another by digitally signing a hash of the previous transaction and the public key of a payee before adding these to the end of the currency. The payee can then verify the signatures to verify the chain of ownership of the electronic currency.
  • the transaction management method 100 is further implementable through a machine- readable medium having stored therein a plurality of programming instructions, which when executed, the instructions cause the machine to receive incoming sound signals transmitted in at least one of a plurality of frequencies from a client device, the plurality of frequencies being pre-defined, extract transaction digest from the incoming sound signals of at least one of the plurality of frequencies and verify existence of a merchant code in the transaction digest, the transaction digest further comprising a client code being incorporated into the transaction digest by the client device.
  • the merchant code is indicative of a merchant and the client code being indicative of a client.
  • the plurality of programming instructions when executed, further cause the machine to update a blockchain with the transaction digest in response to existence of the merchant code being verified. Wherein transaction between the merchant and the client is effected upon update of the blockchain with the transaction digest.
  • aspects of particular embodiments of the present disclosure address at least one aspect, problem, limitation, and/or disadvantage associated with existing computer-implemented methods and systems. While features, aspects, and/or advantages associated with certain embodiments have been described in the disclosure, other embodiments may also exhibit such features, aspects, and/or advantages, and not all embodiments need necessarily exhibit such features, aspects, and/or advantages to fall within the scope of the disclosure. It will be appreciated by a person of ordinary skill in the art that several of the above-disclosed structures, components, or alternatives thereof, can be desirably combined into alternative structures, components, and/or applications. In addition, various modifications, alterations, and/or improvements may be made to various embodiments that are disclosed by a person of ordinary skill in the art within the scope of the present disclosure, which is limited only by the following claims.

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Abstract

L'invention concerne un procédé de gestion de transaction comprenant la réception de signaux sonores entrants transmis dans au moins une fréquence parmi une pluralité de fréquences à partir d'un dispositif client, la pluralité de fréquences étant prédéfinie, l'extraction d'un condensé de transaction à partir des signaux sonores entrants d'au moins l'une de la pluralité de fréquences et la vérification de l'existence d'un code de commerçant dans le condensé de transaction, le condensé de transaction comprenant en outre un code de client qui est incorporé dans le condensé de transaction par le dispositif client. Le procédé de gestion de transaction comprend en outre la mise à jour d'une chaîne de blocs avec le condensé de transaction en réponse à la vérification de l'existence du code de commerçant. La transaction entre le commerçant et le client étant effectuée lors de la mise à jour de la chaîne de blocs avec le condensé de transaction.
PCT/SG2017/050007 2017-01-06 2017-01-06 Procédé de gestion de transaction WO2018128581A1 (fr)

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PCT/SG2017/050007 WO2018128581A1 (fr) 2017-01-06 2017-01-06 Procédé de gestion de transaction

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CN109785135A (zh) * 2019-01-23 2019-05-21 珠海横琴跨境说网络科技有限公司 一种基于区块链技术的交易方法、系统和存储介质
CN110009337A (zh) * 2018-12-21 2019-07-12 阿里巴巴集团控股有限公司 一种基于区块链的数据处理方法和装置

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Publication number Priority date Publication date Assignee Title
CN110009337A (zh) * 2018-12-21 2019-07-12 阿里巴巴集团控股有限公司 一种基于区块链的数据处理方法和装置
CN110009337B (zh) * 2018-12-21 2020-04-21 阿里巴巴集团控股有限公司 一种基于区块链的数据处理方法和装置
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