WO2020000685A1 - 一种数字货币支付系统、支付方法以及支付装置 - Google Patents

一种数字货币支付系统、支付方法以及支付装置 Download PDF

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Publication number
WO2020000685A1
WO2020000685A1 PCT/CN2018/106051 CN2018106051W WO2020000685A1 WO 2020000685 A1 WO2020000685 A1 WO 2020000685A1 CN 2018106051 W CN2018106051 W CN 2018106051W WO 2020000685 A1 WO2020000685 A1 WO 2020000685A1
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Prior art keywords
information
payment
digital currency
transaction
field
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PCT/CN2018/106051
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English (en)
French (fr)
Inventor
沈维
钟立铎
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北京大码技术有限公司
北京西阁万投资咨询有限公司
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Priority to US17/256,603 priority Critical patent/US20210272107A1/en
Publication of WO2020000685A1 publication Critical patent/WO2020000685A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4015—Transaction verification using location information
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • 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
    • G06Q2220/00—Business processing using cryptography

Definitions

  • the present invention relates to a digital currency payment system, a payment method, and a payment device.
  • Blockchain technology (BLOCKCHAIN) is also called distributed ledger technology, which is characterized by decentralization. Due to the use of distributed accounting and storage, the data blocks in the system are jointly maintained by the nodes with maintenance functions in the entire system. There is no centralized hardware and management mechanism. Not only is the information highly transparent, but human intervention is eliminated. Improved data stability and reliability. In recent years, blockchain technology has developed rapidly, and has been widely used in digital currency, asset certification, evidence preservation and other fields.
  • the prior art 1 discloses a technology using a blockchain technology for payment.
  • the user terminal 21 and the merchant terminal 22 are connected to the blockchain system 20 through the network NW, respectively, and the voucher management system 10 manages the vouchers in the blockchain system 20 through the network NW.
  • the user terminal 21 sends an instruction to use the voucher to the blockchain system 20 via the network NW.
  • the blockchain system 20 sends a confirmation instruction to the voucher management system 10 according to the instruction, and the voucher management system 10 confirms After using the voucher, the merchant can notify the blockchain system 20 to generate a transaction for the movement of the voucher.
  • the prior art 2 discloses a technology for using a blockchain technology to manage a license for a video work and a payment using digital currency.
  • FIG. 9 is a system diagram of using a blockchain technology to manage licenses for video works and payment using digital currencies.
  • the system includes: a playback device (user device) 1, a media management block chain BC2, a management device (right-holder device) 2, and a virtual currency block chain BC1.
  • the player 1 When a user uses a video work, the player 1 is operated to send a request to the media management block chain BC2, and the request contains a payment hash address and information of a broadcast program as a transaction.
  • the media management blockchain BC2 confirms the transaction, it issues a permission request to the management device 2.
  • the management device 2 allows the transaction to be generated based on the hash address.
  • the transaction was connected to the end of the blockchain in the form of a block after the virtual currency blockchain BC1 was broadcast.
  • the playback device 1 can use a video work because it is licensed.
  • the playback device (user device) 1 and the management device (right holder device) 2 all need to be online, that is, with the blockchain system 20 and the virtual currency blockchain BC1 remains connected. Therefore, payment with vouchers or virtual currencies must rely on the network, which cannot be used offline, limiting the application of digital currencies in the blockchain.
  • the purpose of the present invention is to solve the above problems in the prior art, and to provide a digital currency payment system, a payment method, and a payment device that are simple to pay and can perform payments (offline payments) without a network environment.
  • the first technical solution is a digital currency payment system, which is characterized by comprising: a payment device 1, a settlement terminal 2, a digital currency block chain 3, and a network server 4,
  • Digital currency blockchain 3 records each transaction in a blockchain manner
  • the network server 4 stores related information associated with the user information S, and generates matching information according to the user information S.
  • the payment device 1 provides payment information.
  • the payment information includes at least two fields of information.
  • the first field information includes a first address D1 of the digital currency blockchain 3.
  • the second field information includes user information S.
  • the settlement terminal 2 includes: a payment information input module 21, a field decomposition module 22, a verification module 23, and a transaction information generation module 24.
  • the payment information input module 21 obtains the payment information from the payment device 1 in an optical or non-optical manner,
  • the field information decomposition module 22 decomposes the payment information to obtain first field information and second field information.
  • the verification module 23 sends the user information S in the second field to the web server 4, obtains the matching information sent by the web server 4, and based on the matching information, verifies the authorization to use the first address to generate the Digital currency blockchain 3 bookkeeping transactions,
  • the transaction information generating module 24 generates the transaction, and the transaction includes a transfer amount, the first address D1 for transfer, and a second address D2 for transfer,
  • the digital currency blockchain 3 records the transactions in the blockchain in a block manner.
  • the matching information of the network server 4 includes a password
  • the verification module 23 determines whether the password entered by the user is correct according to the password in the matching information, and verifies that the first address is used to generate a transaction recorded in the digital currency blockchain 3.
  • the matching information of the network server 4 includes a mobile phone number
  • the verification module 23 sends a verification code to the mobile phone number according to the mobile phone number in the matching information, and determines whether the verification code entered by the user is correct, and verifies that the first address is used to generate a transaction recorded in the digital currency blockchain 3.
  • the fourth technical solution is based on any one of the first to third technical solutions, and is characterized in that:
  • the matching information of the network server 4 includes time or / and location information
  • the verification module 23 verifies whether the transaction is performed at a specified time or / and a specified position according to the time or / and position of the matching information and the current time or / and the current position of the payment device 1.
  • the fifth technical solution is based on the first technical solution, and is characterized in that:
  • the first field includes URL information, and the first address D1 is included in the URL information.
  • the second field includes URL information, and the second user information S is included in the URL information.
  • the seventh technical solution is based on the first or sixth technical solution, and is characterized in that the second field information is encoded or encrypted information.
  • the second field includes control information requiring a password.
  • a ninth technical solution is a digital currency payment device, which is characterized in that:
  • the payment device 1 includes an information carrier 11 and payment information 12 stored on the information carrier.
  • the payment information includes at least two fields of information, and the first field information includes a first address of the digital currency blockchain 3. D1, the second field information includes user information S, and the user information S is in a subordinate relationship with the first address D1, and is used to verify authorization when using the first address to generate a transaction.
  • the payment information 12 is printed or displayed on the information carrier in the form of a graphic code.
  • the graphic code includes at least a two-dimensional code or a bar code including a QR code, and is read by an optical reading device.
  • the information carrier 11 is a storage chip, and the payment information 12 is stored on the storage chip.
  • the storage chip includes at least any of an NFC chip, an RFID chip, a SIM card, and an SD card. Card device reads.
  • the payment device 1 includes a storage module 13, a payment information generating module 14, and a display module 16.
  • the storage module 13 stores a key and user information S.
  • the payment information generating module 14 generates a first address by using the key. D1, and generates the first field information including the first address, the second field information including the user information S, and the display module 16 displays and updates payment information in the form of a graphic code.
  • the thirteenth technical solution is a digital currency payment method, which is characterized by including the following steps:
  • the reading step reads the payment information on the payment device 1, the payment information includes at least two fields of information, the first field information includes the first address D1 of the digital currency blockchain 3, and the second field information includes User information S,
  • a field decomposition step which decomposes the payment information to obtain first field information and second field information
  • the verification step sends the user information S in the second field to the web server 4, obtains the matching information sent by the web server 4, and based on the matching information, verifies that the first address is used to generate digital currency Blockchain 3 bookkeeping transactions,
  • the step of generating transaction information generates the transaction, and the transaction includes a transfer amount, the first address D1 for transfer, and a second address D2 for transfer,
  • the generated transaction is sent to the digital currency blockchain 3 to record the transaction in the blockchain in a block manner.
  • the verification step verifies whether the password in the matching information is consistent with the password entered by the user.
  • the verification step sends a verification code to the mobile phone number according to the mobile phone number in the matching information, and verifies whether the verification code entered by the user is consistent with the sent verification code.
  • the sixteenth technical solution is based on any one of the thirteenth to fifteenth technical solutions, and is characterized in that:
  • the verification step verifies whether the transaction time is within a prescribed time interval according to the time in the matching information and the current time.
  • the seventeenth technical solution is based on any one of the thirteenth to sixteenth technical solutions, and is characterized in that:
  • the verification step verifies whether the transaction position is within a prescribed position according to the position information in the matching information and the current position of the payment device 1.
  • Figure 1 is an explanatory diagram of a digital currency payment system
  • Figure 2 is an outline view of a payment card
  • FIG. 3 is an enlarged view of a QR code of payment information on a payment card
  • FIG. 4 is an explanatory diagram of displaying payment information using a smartphone
  • FIG. 6 is a schematic structural diagram of another payment device
  • FIG. 7 is an explanatory diagram of displaying payment information by a user terminal
  • FIG. 9 is an explanatory diagram of a conventional technique 2.
  • FIG. 1 is an explanatory diagram of a digital currency payment system.
  • the digital currency payment system is composed of a payment device 1, a settlement terminal 2, a digital currency blockchain 3, and a network server 4.
  • a payment device 1 a settlement terminal 2
  • a digital currency blockchain 3 a digital currency blockchain 3
  • a network server 4 a network server 4.
  • Bitcoin as an example of digital currency, Bitcoin will be described.
  • Digital currency blockchain 3 is a decentralized transaction recording system that records each transaction in the manner of a blockchain. After the transaction broadcast, the block containing the transaction information is recorded at the end of the blockchain. Any node can view each transaction and verify it.
  • the web server 4 stores related information associated with the user information S, and generates matching information based on the user information S.
  • the payment device 1 provides payment information, and the payment information includes a first address D1 for transferring Bitcoin when the settlement terminal 2 generates a transaction.
  • the payment information includes at least two fields of information, the first field of information includes a first address D1 (hash address), and the second field of information includes user information S, which is used to verify the authorization of the transaction.
  • the payment device 1 uses a payment card recognized by an optical system.
  • the payment device is simply referred to as a payment card 1 unless otherwise specified.
  • the payment card 1 is printed or displayed with a two-dimensional code as payment information.
  • the settlement terminal 2 includes: a payment information input module 21, a field decomposition module 22, a verification module 23, and a transaction information generation module 24.
  • the payment information input module 21 uses an optically readable module.
  • the payment information input module is simply referred to as the optical reading module 21 except for a special description.
  • the optical reading module 21 optically reads the two-dimensional code on the payment card 1 and obtains payment information by decoding.
  • the field information decomposition module 22 decomposes the payment information to obtain the first field information and the second field information.
  • the verification module 23 sends the user information S in the second field to the web server 4, obtains the matching information sent by the web server 4, and based on the matching information, verifies the authorization to use the first address D1 to generate 3 records on the digital currency blockchain. Account transactions.
  • the transaction information generating module 24 generates the transaction, and the transaction includes the amount of transferred bitcoins (transfer amount), the first address D1 for transfer, and the second address D2 for transfer.
  • the digital currency blockchain 3 records the transaction in the blockchain in a block manner.
  • the user when paying, the user only needs to show the payment card 1 and read the two-dimensional code on the payment card 1 by the settlement terminal 2 to generate the transaction.
  • the user can make the payment without going online and does not need to wait for the node to verify the transaction result.
  • Improve user experience with digital currency
  • the payment card will be described below.
  • Fig. 2 is an external view of a payment card.
  • the payment card 1 uses a card as an information carrier 11, and a QR code (two-dimensional code) 12 is printed on the surface of the card as payment information.
  • QR code two-dimensional code
  • FIG. 3 is an enlarged view of the QR code 12 on the payment card 1.
  • the QR code 12 includes two fields of information, which can be read by an optical reading device.
  • QR code 12 is programmed with the following payment information:
  • This information consists of two fields, the first field is:
  • the fields are separated by a special character "?". Therefore, the field decomposition module 22 can distinguish the first field information and the second field information by detecting "?". As a method of distinguishing a field, in addition to using special characters that do not appear in the field, it is also possible to distinguish the first field information and the second field information by setting the length of the character string.
  • the second field information is also encoded or encrypted information.
  • the first field is a website address, and the website address includes a first address D1 in the digital currency blockchain 3, that is, a user's address in the digital currency blockchain 3.
  • the second field is another URL, which includes user information S.
  • the payment information is formed on the card as an information carrier by printing in the form of a QR code, but the payment information may also be directly stored and used in a storage chip, that is, the storage chip is used as the information carrier to store the payment information.
  • the memory chip can be any kind of chip, such as the commonly used NFC chip, RFID chip, SIM card, and SD card. It can be read by using the near field or directly inserted into the card reading device, that is, using and storing the chip.
  • the corresponding payment information input module 21 replaces the optical reading module and inputs payment information.
  • the information carrier 11 of the payment card 1 is a card, but the information carrier 11 may be a display screen.
  • FIG. 3 is an explanatory diagram showing payment information 12 displayed on a display screen of a smartphone.
  • the matching information of the web server 4 includes a password
  • the verification module 23 determines whether the password entered by the user is correct according to the password in the matching information, and performs authorization verification.
  • the matching information of the web server 4 includes a mobile phone number
  • the verification module 23 sends a verification code to the mobile phone number according to the mobile phone number in the matching information, and determines whether the verification code entered by the user is correct, and performs authorization verification.
  • the matching information of the web server 4 includes time or / and location information
  • the verification module 23 performs authorization verification with the current time or / and transaction location based on the time or / and location of the matching information, that is, by setting the use period of Bitcoin Or / and the location of the transaction, verifying that the payment was made within a set period or / and within the prescribed area.
  • the location of the transaction can be determined by the location of the payment card 1. Since the payment card 1 and the settlement terminal 2 are at a short distance during payment, the position of the payment card 1 can be determined by using the position of the settlement terminal 2 without the need to additionally set other means of determining the position of the payment card 1, simplifying the structure.
  • the second field information can be encoded or encrypted in the form of text.
  • Control information requiring a password can also be added to the second field.
  • FIG. 5 is a flowchart of a payment method.
  • Step S1 reading step
  • the settlement terminal 2 reads the upper two-dimensional code of the payment card 1 through the optical reading module 21, and obtains payment information through decoding.
  • Step S2 field decomposition step
  • Step S3 Send the user information S in the second field to the network server 4.
  • step S4 the network server 4 retrieves the matching information associated with the user information S according to the user information S, and sends the matching information to the settlement terminal 2.
  • step S5 after the settlement terminal 2 obtains the matching information sent by the network server 4, based on the matching information, it verifies that it is authorized to use the first address to generate a transaction recorded in the digital currency blockchain 3. That is, when the matching information is a password, the password is compared with the password used for input, and when they match, it is considered as authorized.
  • the matching information is a mobile phone number
  • a verification code is sent to the mobile phone number, and the verification code is compared with the verification code used for input. When they are consistent, it is considered authorized.
  • the time and location are included in the matching information, it is also determined whether the condition is satisfied according to the current time and the location at which the payment card 1 is paying.
  • step S6 When all the conditions in the matching information are satisfied or consistent, it is considered as authorized, and the process proceeds to step S6.
  • step S6 the settlement terminal 2 generates a transaction, and the transaction includes a transfer amount, the first address D1 for transfer, and a second address D2 for transfer.
  • step S7 the transaction sending network is recorded in the digital currency blockchain 3 after node verification.
  • Steps 3-5 constitute the verification steps in the claims.
  • FIG. 6 is an explanatory diagram of a payment device.
  • the payment device 1 includes a storage module 13, a payment information generating module 14, a liquid crystal display module 16, and a transaction amount input module 17.
  • the payment device 1 may be a stand-alone device or may be provided for use in a smart phone, and the payment information is displayed using the smart phone's LCD screen.
  • the storage module 13 stores a key and user information S.
  • the payment information generating module 14 generates a first address D1 using a key, and generates payment information.
  • the payment information includes the first field information of the first address D1, the second field information of the user information S, and the transaction amount input by the transaction amount input module 17.
  • the liquid crystal display module 16 displays payment information and updates payment information in the form of a QR code.
  • the input of the transaction amount is changed from the final settlement terminal 2 to the payment device 1.
  • the QR code graphic displayed at time t1 and the QR code graphic displayed at time t2 will change, so that each time the liquid crystal display module 16 displays a different QR code image, similar to the payment card Ratio, further improving security.
  • the transaction amount input module 17 is not necessary. For example, any other changed information such as information on the transaction time may be added, as long as the QR code pattern generated each time changes.
  • the liquid crystal display module 16 may also be replaced by other modules, such as using a Bluetooth, NFC or WIFI module to output payment information.
  • the digital currency is Bitcoin in the embodiment, but any form of digital currency can be used as long as the blockchain is used.
  • Technical digital currency is sufficient, as long as the changes within the technical idea of the present invention belong to the scope of the present invention.

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Abstract

一种数字货币支付系统，包括：支付装置(1)、结算终端(2)、数字货币区块链(3)、网络服务器(4)，数字货币区块链(3)以区块链的方式记录每个交易；网络服务器(4)中存储有与用户信息关联的相关信息，根据用户信息产生匹配信息；支付装置(1)具有支付信息；结算终端(2)包括：支付信息输入模块(21)、字段分解模块(22)、验证模块(23)、交易信息生成模块(24)；支付信息输入模块(21)由所述支付装置(1)获取所述支付信息，字段信息分解模块(22)将其分解成字段；验证模块(23)将第二字段中的用户信息发送到网络服务器(4)，获取网络服务器(4)发送的匹配信息验证授权后，交易信息生成模块(24)生成在数字货币区块链(3)记录的交易。

Description

一种数字货币支付系统、支付方法以及支付装置 技术领域
本发明涉及数字货币支付系统、支付方法以及支付装置。
背景技术
区块链技术(BLOCK CHAIN)也被称之为分布式账本技术，其特点是去中心化。由于使用分布式核算和存储，系统中的数据块由整个系统中具有维护功能的节点来共同维护，不存在中心化的硬件和管理机构，不仅信息高度透明，排除了人为的干预，极大的提高了数据稳定性和可靠性。近年来，区块链技术发展迅猛，在数字货币、资产证明、证据保全等领域得到广泛应用。
现有技术1(公开号：特开2018-28762)中公开了利用区块链技术进行支付的技术。如附图8所示，用户终端21与商家终端22分别通过网络NW与区块链系统20连接，代金券管理系统10通过网络NW对区块链系统20中的代金券进行管理。使用代金券进行支付时，用户终端21通过网络NW向区块链系统20发送使用代金券的指示，区块链系统20根据指示，向代金券管理系统10发送确认指示，代金券管理系统10确认商家可使用代金券后，通知区块链系统20，生成代金券移动的交易。
现有技术2(公开号：特开2017-204070)中公开了使用区块链技术管理视频作品的使用许可和使用数字货币支付的技术。
图9是使用区块链技术管理视频作品的使用许可和使用数字货币支付的系统图。如图9所示，系统包括：播放装置(用户装置)1、媒体管理区块链BC2、管理装置(权利人装置)2、虚拟货币区块链BC1。用户在使用视频作品时，操作播放装置1向媒体管理区块链BC2发送申请，该申请作为一个交易包含支付用的哈希地址和播放的节目的信息。媒体管理区块链BC2对交易进行确认后，向管理装置2发出许可请求。管理装置2许可后，基于哈希地址生成交易。该交易在虚拟货币区块链BC1 广播后以区块的形式连接在区块链的末尾。播放装置1由于得到许可而能使用视频作品。
现有技术1和2由于交易过程中，需要数据的同步以及不同节点独立地对交易进行验证，在区块链中生成区块需要花费较长的时间，对比特币而言约需要花费10分钟的时间才能完成交易，因此用户体验并不好。
并且，在形成交易时，用户终端21与代金券管理系统10、播放装置(用户装置)1和管理装置(权利人装置)2都需要上线，即与区块链系统20、虚拟货币区块链BC1之间保持连接状态，因此，用代金券或虚拟货币进行支付必须依赖网络，即无法线下使用，限制了数字货币在区块链的应用。
本发明的目的在于解决以上现有技术的问题，提供一种支付简单，不需要网络环境也能进行支付(线下支付)的数字货币支付系统、支付方法以及支付装置。
发明内容
第一技术方案为一种数字货币支付系统，其特征在于，包括：支付装置1、结算终端2、数字货币区块链3、网络服务器4，
数字货币区块链3以区块链的方式记录每个交易，
所述网络服务器4中存储有与用户信息S关联的相关信息，根据用户信息S产生匹配信息，
所述支付装置1提供支付信息，所述支付信息至少包括两个字段的信息，第一字段信息包括所述数字货币区块链3的第一地址D1，第二字段信息包括用户信息S，
所述结算终端2，包括：支付信息输入模块21、字段分解模块22、验证模块23、交易信息生成模块24，
所述支付信息输入模块21通过光学或非光学的方式由所述支付装置1获取所述支付信息，
所述字段信息分解模块22对所述支付信息进行分解，得到第一字 段信息和第二字段信息，
所述验证模块23将所述第二字段中的用户信息S发送到所述网络服务器4，获取所述网络服务器4发送的匹配信息，并基于所述匹配信息，验证授权使用第一地址生成在数字货币区块链3记账的交易，
所述交易信息生成模块24生成所述交易，所述交易包括转账金额、转出用的所述第一地址D1、转入用的第二地址D2，
所述数字货币区块链3以区块的方式在区块链中记录所述交易。
第二技术方案基于第一技术方案其特征在于，
所述网络服务器4的匹配信息包括密码，
所述验证模块23根据匹配信息中的密码，判断用户输入的密码是否正确，验证授权使用第一地址生成在数字货币区块链3记账的交易。
第三技术方案基于第一技术方案，其特征在于，
所述网络服务器4的匹配信息包括手机号，
所述验证模块23根据匹配信息中的手机号，向该手机号发送验证码，并判断用户输入的验证码是否正确，验证授权使用第一地址生成在数字货币区块链3记账的交易。
第四技术方案基于第一至第三中的任一技术方案，其特征在于，
所述网络服务器4的匹配信息包括时间或/和位置信息，
所述验证模块23根据匹配信息的时间或/和位置，与当前时间或/和所述支付装置1的当前位置，验证交易是否在规定时间或/和规定位置进行。
第五技术方案基于第一技术方案，其特征在于，
所述第一字段中包括网址信息，所述第一地址D1包含在所述网址信息中。
第六技术方案基于第五技术方案，其特征在于，
所述第二字段中包括网址信息，所述第用户信息S包含在所述网址信息中。
第七技术方案基于第一或第六技术方案，其特征在于，第二字段信息为经过编码或加密的信息。
第八技术方案基于第七技术方案，其特征在于，
所述第二字段中包括要求输入密码的控制信息。
第九技术方案为一种数字货币的支付装置，其特征在于，
所述支付装置1包括：信息载体11和存储在所述信息载体上的支付信息12，所述支付信息至少包括两个字段的信息，第一字段信息包括数字货币区块链3的第一地址D1，第二字段信息包括用户信息S，所述用户信息S与第一地址D1为从属关系，用于验证使用第一地址生成交易时的授权。
第十技术方案基于第九技术方案，其特征在于，
所述支付信息12以图形码的形式印刷或显示在所述信息载体上，所述图形码至少包括QR码在内的二维码或条形码，利用光学识读装置读取。
第十一技术方案基于第九技术方案，其特征在于，
所述信息载体11为存储芯片，所述支付信息12存储在所述存储芯片上，所述存储芯片至少包括NFC芯片、RFID芯片、SIM卡、SD卡中的任何，利用近场或直接插入读卡设备读取。
第十二技术方案基于第十技术方案，其特征在于，
所述支付装置1包括：存储模块13、支付信息生成模块14、显示模块16，所述存储模块13存储密钥、用户信息S，所述支付信息生成模块14利用所述密钥生成第一地址D1，并生成包含所述第一地址的所述第一字段信息，包含所述用户信息S的第二字段信息，所述显示模块16以图形码的形式显示和更新支付信息。
第十三技术方案为一种数字货币支付方法，其特征在于，包括以下步骤：
读取步骤，读取支付装置1上的支付信息，所述支付信息至少包括两个字段的信息，第一字段信息包括所述数字货币区块链3的第一地址D1，第二字段信息包括用户信息S，
字段分解步骤，对所述支付信息进行分解，得到第一字段信息和第二字段信息，
验证步骤，将所述第二字段中的用户信息S发送到所述网络服务器4，获取所述网络服务器4发送的匹配信息，并基于所述匹配信息，验证授权使用第一地址生成在数字货币区块链3记账的交易，
交易信息生成步骤，生成所述交易，所述交易包括转账金额、转出用的所述第一地址D1、转入用的第二地址D2，
将生成的所述交易，发送到数字货币区块链3以区块的方式在区块链中记录所述交易。
第十四技术方案基于第十三技术方案，其特征在于，
所述验证步骤，验证匹配信息中的密码与用户输入的密码是否一致。
第十五技术方案基于第十三技术方案，其特征在于，
所述验证步骤，根据匹配信息中的手机号，向该手机号发送验证码，验证用户输入的验证码与发送验证码是否一致。
第十六技术方案基于第十三至十五中的任一技术方案，其特征在于，
所述验证步骤，根据匹配信息中的时间与当前时间，验证交易时间是否在规定时间区间内。
第十七技术方案基于第十三至十六中的任一技术方案，其特征在于，
所述验证步骤，根据匹配信息中的位置信息与所述支付装置1的当前位置，验证交易位置是否在规定位置内。
附图说明
图1为数字货币支付系统的说明图；
图2为支付卡的外形图；
图3为支付卡上支付信息的二维码放大图；
图4为用智能手机显示支付信息的说明图；
图5为数字货币支付方法的流程图；
图6为另一种支付装置的结构示意图；
图7为用户终端显示支付信息的说明图；
图8为现有技术1的说明图；
图9为现有技术2的说明图。
具体实施方式
以下对具体实施方式进行详细说明。
图1为数字货币支付系统的说明图。
如图1所示，数字货币支付系统由支付装置1、结算终端2、数字货币区块链3、网络服务器4组成。作为数字货币本实施方式中以比特币为例进行说明。
数字货币区块链3以区块链的方式记录每个交易，是去中心化的交易记录系统。交易广播后包含交易信息的区块记录在区块链的末尾。任何节点都能查看各个交易，进行验证。
网络服务器4中存储有与用户信息S关联的相关信息，根据用户信息S产生匹配信息。
支付装置1提供支付信息，支付信息包括用于结算终端2生成交易时，比特币转出用的第一地址D1。支付信息至少包括两个字段的信息，第一字段信息包括第一地址D1(哈希地址)，第二字段信息包括用户信息S，用户信息S用于验证对交易的授权。在本实施方式，支付装置1采用光学系统识别的支付卡。以下，为叙述方便除特别说明外，将支付装置简称为支付卡1。支付卡1上印刷或显示有作为支付信息的二维码。
结算终端2包括：支付信息输入模块21、字段分解模块22、验证模块23、交易信息生成模块24。对应于支付卡1，支付信息输入模块21采用可光学识读的光学识读模块。以下，为叙述方便除特别说明外，将支付信息输入模块简称为光学识读模块21。
光学识读模块21通过光学方式读取支付卡1上的二维码，通过解码获得支付信息。
字段信息分解模块22对支付信息进行分解，得到第一字段信息和第二字段信息。
验证模块23将第二字段中的用户信息S发送到网络服务器4，获取网络服务器4发送的匹配信息，并基于所述匹配信息，验证授权使用第一地址D1生成在数字货币区块链3记账的交易。
交易信息生成模块24生成所述交易，交易中包括转账比特币数量(转账金额)、转出用的所述第一地址D1、转入用的第二地址D2。
数字货币区块链3以区块的方式在区块链中记录该交易。
因此，支付时，用户只要出示支付卡1，由结算终端2读取支付卡1上的二维码，即可生成交易，用户不用上线也能进行支付，也不用等待节点对交易的验证结果。提高使用数字货币的用户体验。
以下，对支付卡进行说明。
图2为支付卡的外形图，如图2所示支付卡1以卡片作为信息载体11，卡片的表面印刷有QR码(二维码)12，作为支付信息。
图3为支付卡1上QR码12的放大图，QR码12中包括两个字段的信息，可通过光学识读装置进行识读。例如QR码12编入以下支付信息：
http://www.bitcoin.com/abc/XE23KQBMCX8SE31S5K8UA1TJC034ORIOP5F？http://www.xcoin.com/bcd/WD45VFG34P
该信息由两个字段构成，第一字段为：
http://www.bitcoin.com/abc/XE23KQBMCX8SE31S5K8UA1TJC034ORIOP5F，
第二字段为：
http://www.xcoin.com/bcd/WD45VFG34P
字段之间用特殊字符“？”隔离，因此，字段分解模块22通过检测“？”即可区分第一字段信息和第二字段信息。作为字段的区分方法除使用不会在字段中出现的特殊字符外，还可以通过设定字符串的长度，来区分第一字段信息和第二字段信息。第二字段信息也为经过编码或加密的信息。
第一字段为网址，网址中包括在数字货币区块链3中第一地址D1，即，用户在数字货币区块链3中的地址。
第二字段为另一网址，该网址中包括用户信息S。
以上实施例中，支付信息以QR码的形式通过印刷形成在作为信息载体的卡片上，但支付信息也可以直接存储在存储芯片中使用，即，将存储芯片作为信息载体存储支付信息。
作为存储芯片可以是任何形式的芯片如经常使用的NFC芯片、RFID芯片、SIM卡、SD卡中的任何一种，利用近场或直接插入读卡设备读取即可，即，使用与存储芯片对应的支付信息输入模块21取代光学识读模块，输入支付信息。
在本实施方式中，支付卡1的信息载体11为卡片，但信息载体11也可以是显示屏。
图3是利用智能手机的显示屏显示支付信息12的说明图。
即，将智能手机作为支付装置1使用，支付信息12保存在智能手机中，支付时，操作智能手机在显示屏上显示QR码12，即可与支付卡1同样，进行支付，对于有智能手机的用户，不用另外携带支付卡，提高了用户的便利性。
实施例1
网络服务器4的匹配信息包括密码，验证模块23根据匹配信息中的密码，判断用户输入的密码是否正确，进行授权验证。
实施例2
网络服务器4的匹配信息包括手机号，验证模块23根据匹配信息中的手机号，向该手机号发送验证码，并判断用户输入的验证码是否正确，进行授权验证。
实施例3
网络服务器4的匹配信息包括时间或/和位置信息，验证模块23根据匹配信息的时间或/和位置，与当前时间或/和交易的位置，进行授权验证，即，通过设置比特币的使用期间或/和交易的位置，验证支付是否在设定的期间或/和规定的区域内进行。交易的位置可通过支付卡1的位置进行确定。由于支付时，支付卡1与结算终端2之间是近距离，利用结算终端2的位置即可确定支付卡1的位置，而不用再另外设置确定支付卡1位置的其他手段，简化了结构。
为增加安全性，第二字段信息可经过编码或加密的暗文信息。
第二字段中也可加入要求输入密码的控制信息。
以下对数字货币的支付方法进行说明。
图5为支付方法的流程图。
步骤S1(读取步骤)，结算终端2通过光学识读模块21读取支付卡1的上二维码，通过解码获得支付信息。
步骤S2(字段分解步骤)，检测特殊符号“？”，将支付信息分解成第一字段信息和第二字段信息，
步骤S3，将第二字段中的用户信息S发送到所述网络服务器4。
步骤S4，网络服务器4根据用户信息S检索与之关联的匹配信息，并将匹配信息发送到结算终端2。
步骤S5，结算终端2获取网络服务器4发送的匹配信息后，基于所述匹配信息，验证授权使用第一地址生成在数字货币区块链3记账的交易。即，匹配信息是密码时，将密码与用于输入的密码进行比较，一致时，认为已授权。匹配信息是手机号时，向手机号发送验证码，将验证码与用于输入的验证码进行比较，一致时，认为已授权。
如果匹配信息中包含时间和位置时，同样根据当前时间和支付卡1支付时的位置，判别条件是否满足。
匹配信息中的条件全部满足或一致时，认为已授权，进入步骤S6。
步骤S6，结算终端2生成交易，交易包括转账金额、转出用的所述第一地址D1、转入用的第二地址D2。
步骤S7，交易发送网络，经节点验证后，记录在数字货币区块链3中。
步骤3-5构成权利要求中的验证步骤。
以下对支付装置1的其他实施方式进行说明。
图6为支付装置的说明图。
支付装置1包括：存储模块13、支付信息生成模块14、液晶显示模块16，交易金额输入模块17。支付装置1既可以是单独的装置，也可以设置在智能手机中使用，利用智能手机的液晶屏显示支付信息。
存储模块13存储密钥、用户信息S。支付信息生成模块14利用密钥生成第一地址D1，并生成支付信息。支付信息包含所述第一地址D1的所述第一字段信息，包含所述用户信息S的第二字段信息以及交易金额输入模块17输入的交易金额。液晶显示模块16以QR码的形式显示支付信息和更新支付信息。
即，与图1的实施方式相比，交易金额的输入由决算终端2改为支付装置1。
因此，如图7所示，t1时间支付时显示的QR码图形与t2时间支付时显示的QR码图形会发生变化，这样每次液晶显示模块16显示不一样的QR码图像，与支付卡相比，进一步提高了安全性。作为支付装置1，交易金额输入模块17并非是必须的，如，也可以通过加入交易时间的信息等其他任何变化的信息，只要每次产生的QR码图形会发生变化即可。液晶显示模块16也可用其他方式的模块替代，如利用蓝牙、NFC或WIFI模块输出支付信息。
以上对本发明的具体实施方式和实施例进行了说明，本发明可以进行其他的任何改变，如实施方式中数字货币采用比特币，但也可使用是他任何形式的数字货币，只要采用区块链技术的数字货币即可，只要在本发明技术思想内的改动均属于本发明的范围之内。

Claims (17)

  1. 一种数字货币支付系统，其特征在于，包括：
    支付装置(1)、结算终端(2)、数字货币区块链(3)、网络服务器(4)，
    数字货币区块链(3)以区块链的方式记录每个交易，
    所述网络服务器(4)中存储有与用户信息(S)关联的相关信息，根据用户信息(S)产生匹配信息，
    所述支付装置(1)提供支付信息，所述支付信息至少包括两个字段的信息，第一字段信息包括所述数字货币区块链(3)的第一地址(D1)，第二字段信息包括用户信息(S)，
    所述结算终端(2)，包括：支付信息输入模块(21)、字段分解模块(22)、验证模块(23)、交易信息生成模块(24)，
    所述支付信息输入模块(21)通过光学或非光学的方式由所述支付装置(1)获取所述支付信息，
    所述字段信息分解模块(22)对所述支付信息进行分解，得到第一字段信息和第二字段信息，
    所述验证模块(23)将所述第二字段中的用户信息(S)发送到所述网络服务器(4)，获取所述网络服务器(4)发送的匹配信息，并基于所述匹配信息，验证授权使用第一地址生成在数字货币区块链(3)记账的交易，
    所述交易信息生成模块(24)生成所述交易，所述交易包括转账金额、转出用的所述第一地址(D1)、转入用的第二地址(D2)，
    所述数字货币区块链(3)以区块的方式在区块链中记录所述交易。
  2. 根据权利要求1所述的数字货币支付系统，其特征在于，
    所述网络服务器(4)的匹配信息包括密码，
    所述验证模块(23)根据匹配信息中的密码，判断用户输入的密码是否正确，验证授权使用第一地址生成在数字货币区块链(3)记账的交易。
  3. 根据权利要求1所述的数字货币支付系统，其特征在于，
    所述网络服务器(4)的匹配信息包括手机号，
    所述验证模块(23)根据匹配信息中的手机号，向该手机号发送验证码，并判断用户输入的验证码是否正确，验证授权使用第一地址生成在数字货币区块链(3)记账的交易。
  4. 根据权利要求1至3中任一项所述的数字货币支付系统，其特征在于，
    所述网络服务器(4)的匹配信息包括时间或/和位置信息，
    所述验证模块(23)根据匹配信息的时间或/和位置，与当前时间或/和所述支付装置(1)的当前位置，验证交易是否在规定时间或/和规定位置进行。
  5. 根据权利要求1所述的数字货币支付系统，其特征在于，
    所述第一字段中包括网址信息，所述第一地址(D1)包含在所述网址信息中。
  6. 根据权利要求1至5中任一项所述的数字货币支付系统，其特征在于，
    所述第二字段中包括网址信息，所述用户信息(S)包含在所述网址信息中。
  7. 根据权利要求1或6所述的数字货币支付系统，其特征在于，
    所述第二字段信息为经过编码或加密的信息。
  8. 根据权利要求7所述的数字货币支付系统，其特征在于，
    所述第二字段中包括要求输入密码的控制信息。
  9. 一种数字货币的支付装置，其特征在于，
    所述支付装置(1)包括：信息载体(11)和存储在所述信息载体上的支付信息(12)，所述支付信息至少包括两个字段的信息，第一字段信息包括数字货币区块链(3)的第一地址(D1)，第二字段信息包括用户信息(S)，所述用户信息(S)与第一地址(D1)为从属关系，用于验证使用第一地址生成交易时的授权。
  10. 根据权利要求9所述的支付装置，其特征在于，
    所述支付信息(12)以图形码的形式印刷或显示在所述信息载体上， 所述图形码至少包括QR码在内的二维码或条形码，利用光学识读装置读取。
  11. 根据权利要求9所述的支付装置，其特征在于，
    所述信息载体(11)为存储芯片，所述支付信息(12)存储在所述存储芯片上，所述存储芯片至少包括NFC芯片、RFID芯片、SIM卡、SD卡中的任何，利用近场或直接插入读卡设备读取。
  12. 根据权利要求10所述的数字货币支付系统，其特征在于，
    所述支付装置(1)包括：存储模块(13)、支付信息生成模块(14)、显示模块(16)，所述存储模块(13)存储密钥、用户信息(S)，所述支付信息生成模块(14)利用所述密钥生成第一地址(D1)，并生成包含所述第一地址(D1)的所述第一字段信息，包含所述用户信息(S)的第二字段信息，所述显示模块(16)以图形码的形式或电子信号的形式显示和更新支付信息。
  13. 一种数字货币支付方法，其特征在于，包括以下步骤：
    读取步骤，读取支付装置(1)上的支付信息，所述支付信息至少包括两个字段的信息，第一字段信息包括所述数字货币区块链(3)的第一地址(D1)，第二字段信息包括用户信息(S)，
    字段分解步骤，对所述支付信息进行分解，得到第一字段信息和第二字段信息，
    验证步骤，将所述第二字段中的用户信息发送到所述网络服务器(4)，获取所述网络服务器(4)发送的匹配信息，并基于所述匹配信息，验证授权使用第一地址生成在数字货币区块链(3)记账的交易，
    交易信息生成步骤，生成所述交易，所述交易包括转账金额、转出用的所述第一地址(D1)、转入用的第二地址(D2)，
    将生成的所述交易，发送到数字货币区块链(3)以区块的方式在区块链中记录所述交易。
  14. 根据权利要求13所述的一种数字货币支付方法，其特征在于，
    所述验证步骤，验证匹配信息中的密码与用户输入的密码是否一致。
  15. 根据权利要求13所述的一种数字货币支付方法，其特征在于，
    所述验证步骤，根据匹配信息中的手机号，向该手机号发送验证码，验证用户输入的验证码与发送验证码是否一致。
  16. 根据权利要求13至15中的任一项所述的一种数字货币支付方法，其特征在于，
    所述验证步骤，根据匹配信息中的时间与当前时间，验证交易时间是否在规定时间区间内。
  17. 根据权利要求13至16中的任一项所述的一种数字货币支付方法，其特征在于，
    所述验证步骤，根据匹配信息中的位置信息与所述支付装置(1)或所述结算终端(2)的当前位置，验证交易位置是否在规定位置内。
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