CN111523869B - Off-line transaction method and system for digital currency - Google Patents

Off-line transaction method and system for digital currency Download PDF

Info

Publication number
CN111523869B
CN111523869B CN202010272772.6A CN202010272772A CN111523869B CN 111523869 B CN111523869 B CN 111523869B CN 202010272772 A CN202010272772 A CN 202010272772A CN 111523869 B CN111523869 B CN 111523869B
Authority
CN
China
Prior art keywords
payer
previous
transaction
payee
signature
Prior art date
Legal status (The legal status 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 status listed.)
Active
Application number
CN202010272772.6A
Other languages
Chinese (zh)
Other versions
CN111523869A (en
Inventor
李东声
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Tendyron Corp
Original Assignee
Tendyron Corp
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 Tendyron Corp filed Critical Tendyron Corp
Priority to CN202010272772.6A priority Critical patent/CN111523869B/en
Publication of CN111523869A publication Critical patent/CN111523869A/en
Application granted granted Critical
Publication of CN111523869B publication Critical patent/CN111523869B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides an offline transaction method and system for digital currency, which are characterized in that a data format of transaction record data is applied to a transaction chain, so that transaction circulation of multiple transfer of digital currency in offline can be completely recorded, verification of transaction legitimacy can be realized based on a complete signature trust chain of the transaction chain, and a transaction scene of multiple transfer of digital currency in offline state can be applied and developed.

Description

Off-line transaction method and system for digital currency
Technical Field
The invention relates to the technical field of electronics, in particular to an off-line transaction method and system for digital currency.
Background
With the development of the internet and mobile payment, it has become possible to replace paper money with digital money, which is often stored in electronic wallets, which are often not used off-line. When the digital money is transferred in an off-line state, the transfer and multiple transfer security of the electronic wallet cannot be ensured. Therefore, how to ensure the security of at least one digital money transfer in an offline state of an electronic signature is a problem to be solved.
Disclosure of Invention
The present invention aims to solve the above-mentioned problems.
The invention mainly aims to provide an off-line trading method of digital currency;
it is another object of the present invention to provide an offline transaction system for digital money.
In order to achieve the above purpose, the technical scheme of the invention is specifically realized as follows:
In one aspect, the invention provides an off-line transaction method for digital currency, comprising: s1, wireless connection is established between a payee device and a payer device; s2, the payer equipment generates transaction record data and sends the transaction record data to the payee equipment, wherein: the transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a payer digital currency text, a payment amount, a payee identifier, a payer identifier and a transaction unique identifier are provided, and a payer signature is obtained by signing transaction data by using a payer device private key; or the transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a previous payer digital currency text, previous payer transaction record data, payment amount, payee identification, payer identification and transaction unique identification are obtained by signing transaction data by using a private key of a payer device by a payer device, the previous payer digital currency text and the previous payer transaction record data are received by the payer device from the previous payer device, and the previous payer transaction record data comprise: the previous transaction data and the previous payer signature, the previous transaction data comprising: the method comprises the steps that a previous payer digital currency text, a previous payer payment amount, a payer identifier, a previous payer identifier and a previous payer transaction unique identifier are obtained by signing previous transaction data by using a previous payer device private key through a previous payer device signature; or the transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a payer digital currency text, a previous payer digital currency text, previous payer transaction record data, payment amount, payee identification, payer identification and transaction unique identification are obtained by signing transaction data by using a payer device private key through a payer device, the previous payer digital currency text and the previous payer transaction record data are received by the payer device from the previous payer device, and the previous payer transaction record data comprise: the previous transaction data and the previous payer signature, the previous transaction data comprising: the method comprises the steps that a previous payer digital currency text, a previous payer payment amount, a payer identifier, a previous payer identifier and a previous payer transaction unique identifier are obtained by signing previous transaction data by using a previous payer device private key through a previous payer device signature; s3, the payee device receives the transaction record data, verifies the transaction record data, and stores the transaction record data after the verification is passed.
Wherein the payer identification includes at least a payer public key based on a public key algorithm; the payee identification includes at least a payee public key based on a public key algorithm.
Wherein the transaction unique identification comprises: a transaction index, a random number, and/or a transaction count value.
Wherein the payee device verifies the transaction record data comprising: the payee device uses the payer public key to check the signature of the payer; or the payee device performs signature verification on the payer signature by using the payer public key, the payee device performs signature verification on the previous payer signature by using the previous payer public key, and the payee device determines whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record data generated by the payer device.
Wherein the payee device verifies the transaction record data comprising: the payee device uses the payer public key to check the payer signature, and the payee device verifies the digital currency text of the payer; or the payee device uses the payer public key to check the payer signature, the payee device uses the previous payer public key to check the previous payer signature, the payee device verifies the previous digital currency, and the payee device determines whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record data generated by the payer device; or the payee device verifies the payer signature by using the payer public key, verifies the payer digital currency text by using the payee device, verifies the previous payer signature by using the previous payer public key, verifies the previous digital currency text, and determines whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record generated by the payer device.
Wherein establishing a wireless connection between the payee device and the payer device comprises: the payee device determines that the payer device is within NFC range of the payee device; the payee device and the payer device are connected through NFC to transmit Bluetooth connection parameters; the payee device establishes a bluetooth connection with the payer device.
In another aspect, the invention provides an off-line trading system for digital currency, comprising: a payee device and a payer device; the payee device is used for establishing wireless connection with the payer device; a payer device for generating transaction record data and transmitting the transaction record data to a payee device, wherein: the transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a payer digital currency text, a payment amount, a payee identifier, a payer identifier and a transaction unique identifier are provided, and a payer signature is obtained by signing transaction data by using a payer device private key; or the transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a previous payer digital currency text, previous payer transaction record data, payment amount, payee identification, payer identification and transaction unique identification are obtained by signing transaction data by using a private key of a payer device by a payer device, the previous payer digital currency text and the previous payer transaction record data are received by the payer device from the previous payer device, and the previous payer transaction record data comprise: the previous transaction data and the previous payer signature, the previous transaction data comprising: the method comprises the steps that a previous payer digital currency text, a previous payer payment amount, a payer identifier, a previous payer identifier and a previous payer transaction unique identifier are obtained by signing previous transaction data by using a previous payer device private key through a previous payer device signature; or the transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a payer digital currency text, a previous payer digital currency text, previous payer transaction record data, payment amount, payee identification, payer identification and transaction unique identification are obtained by signing transaction data by using a payer device private key through a payer device, the previous payer digital currency text and the previous payer transaction record data are received by the payer device from the previous payer device, and the previous payer transaction record data comprise: the previous transaction data and the previous payer signature, the previous transaction data comprising: the method comprises the steps that a previous payer digital currency text, a previous payer payment amount, a payer identifier, a previous payer identifier and a previous payer transaction unique identifier are obtained by signing previous transaction data by using a previous payer device private key through a previous payer device signature; the payee device is also used for receiving the transaction record data, verifying the transaction record data and storing the transaction record data after the verification is passed.
Wherein the payer identification includes at least a payer public key based on a public key algorithm; the payee identification includes at least a payee public key based on a public key algorithm.
Wherein the transaction unique identification comprises: a transaction index, a random number, and/or a transaction count value.
The payee device verifies the transaction record data by: the payee device is specifically used for checking the signature of the payer by using the public key of the payer; or the payer public key is utilized to check the signature of the payer, the payee device utilizes the public key of the previous payer to check the signature of the previous payer, and the payee device determines whether the payer identifier in the transaction record data of the previous payer is consistent with the payer identifier in the transaction record data generated by the payer device.
The payee device verifies the transaction record data by: the payee device is specifically used for verifying the payer signature by using the payer public key and verifying the digital currency text of the payer; or the payer public key is used for checking the signature of the payer, the payee device is used for checking the signature of the payer in the last time by using the public key of the payer in the last time, the payee device is used for verifying the original text of the digital currency in the last time, the payee device determines whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record data generated by the payee device; or verifying the payer signature by using the payer public key, verifying the payer digital currency text by using the payee device, verifying the previous payer signature by using the previous payer public key, verifying the previous digital currency text by using the payee device, and determining whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record generated by the payer device by using the payee device.
Wherein the payee device establishes a wireless connection with the payer device by: the payee device is specifically configured to determine that the payee device enters within an NFC field of the payee device; transmitting Bluetooth connection parameters with the payer device through NFC connection; a bluetooth connection is established with the payer device.
According to the technical scheme provided by the invention, the data format of the transaction record data is applied to the transaction chain, so that the transaction circulation of the digital currency for multiple transfer in offline can be completely recorded, the verification of the transaction validity can be realized based on the complete signature trust chain of the transaction chain, and the transaction scene of multiple transfer in the offline state of the digital currency can be applied and developed.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the description of the embodiments will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of an off-line transaction method for digital currency provided by an embodiment of the present invention;
FIG. 2 is a schematic diagram of an offline transaction system for digital currency according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are only some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to fall within the scope of the invention.
In the description of the present invention, it should be understood that the terms "center", "longitudinal", "lateral", "upper", "lower", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outer", etc. indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, are merely for convenience in describing the present invention and simplifying the description, and do not indicate or imply that the devices or elements referred to must have a specific orientation, be configured and operated in a specific orientation, and thus should not be construed as limiting the present invention. Furthermore, the terms "first," "second," and the like, are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or quantity or position.
In the description of the present invention, it should be noted that, unless explicitly specified and limited otherwise, the terms "mounted," "connected," and "connected" are to be construed broadly, and may be either fixedly connected, detachably connected, or integrally connected, for example; can be mechanically or electrically connected; can be directly connected or indirectly connected through an intermediate medium, and can be communication between two elements. The specific meaning of the above terms in the present invention will be understood in specific cases by those of ordinary skill in the art.
Embodiments of the present invention will be described in further detail below with reference to the accompanying drawings.
Fig. 1 shows a flowchart of an offline transaction method of digital currency according to an embodiment of the present invention, referring to fig. 1, the offline transaction method of digital currency according to an embodiment of the present invention includes:
S1, wireless connection is established between the payee device and the payer device.
Specifically, the payee device and the payer device may be devices for storing digital money, respectively, and the entity thereof may be a smart phone, a smart key device, a smart card, etc., which is not particularly limited in the present invention. Digital currency is different from the existing scheme of bank account billing, is a substantial currency stored by data and can be uniformly issued by a central row.
The payee device and the payer device may conduct transactions of digital money through wireless connection, for example, wireless connection may be established through bluetooth, wifi, 4G, NFC, etc. modes and digital money transactions may be conducted.
As an alternative implementation of the embodiment of the present invention, the setting up of the wireless connection between the payee device and the payer device includes: the payee device determines that the payer device is within NFC range of the payee device; the payee device and the payer device are connected through NFC to transmit Bluetooth connection parameters; the payee device establishes a bluetooth connection with the payer device. The payee device actively establishes connection with the payer device, transmits Bluetooth parameters in an NFC mode, improves Bluetooth pairing efficiency, transfers digital currency through Bluetooth, and ensures digital currency transfer efficiency and accuracy.
S2, the payer equipment generates transaction record data and sends the transaction record data to the payee equipment, wherein:
The transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a payer digital currency text, a payment amount, a payee identifier, a payer identifier and a transaction unique identifier are provided, and a payer signature is obtained by signing transaction data by using a payer device private key;
Or alternatively
The transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a previous payer digital currency text, previous payer transaction record data, payment amount, payee identification, payer identification and transaction unique identification are obtained by signing transaction data by using a private key of a payer device by a payer device, the previous payer digital currency text and the previous payer transaction record data are received by the payer device from the previous payer device, and the previous payer transaction record data comprise: the previous transaction data and the previous payer signature, the previous transaction data comprising: the method comprises the steps that a previous payer digital currency text, a previous payer payment amount, a payer identifier, a previous payer identifier and a previous payer transaction unique identifier are obtained by signing previous transaction data by using a previous payer device private key through a previous payer device signature;
Or alternatively
The transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a payer digital currency text, a previous payer digital currency text, previous payer transaction record data, payment amount, payee identification, payer identification and transaction unique identification are obtained by signing transaction data by using a payer device private key through a payer device, the previous payer digital currency text and the previous payer transaction record data are received by the payer device from the previous payer device, and the previous payer transaction record data comprise: the previous transaction data and the previous payer signature, the previous transaction data comprising: the digital currency text of the previous payer, the payment amount of the previous payer, the identification of the previous payer and the unique identification of the previous transaction of the payer, and the signature of the previous payer is obtained by signing the data of the previous transaction by using the private key of the device of the previous payer.
Specifically, in the present invention, the payer device may transfer the digital money to be paid to the payee device, for example, the payee device may collect 5 yuan, and the payer device may acquire the digital money stored in the payer device, for example, five digital money representing 1 yuan, or one digital money representing 2 yuan and one digital money representing 3 yuan, or one digital money representing 5 yuan, which is not particularly limited in the present invention as long as the digital money issued in the central line is satisfied.
In addition, when the payment apparatus transfers digital money to the payment apparatus, digital money issued to the payment apparatus may be transferred, digital money transferred to the payment apparatus by another apparatus may be transferred, or digital money issued to the payment apparatus may be transferred together with digital money transferred to the payment apparatus by another apparatus.
When the payer device performs digital money transfer to the payee device, the payer device generates transaction record data and transmits the transaction record data to the payee device, wherein:
When the payer device transfers digital money issued for itself, the transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a payer digital currency text, a payment amount, a payee identifier, a payer identifier and a transaction unique identifier are provided, and a payer signature is obtained by signing transaction data by using a payer device private key;
When the payer device transfers digital money from the other device to the payer device, the transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a previous payer digital currency text, previous payer transaction record data, payment amount, payee identification, payer identification and transaction unique identification are obtained by signing transaction data by using a private key of a payer device by a payer device, the previous payer digital currency text and the previous payer transaction record data are received by the payer device from the previous payer device, and the previous payer transaction record data comprise: the previous transaction data and the previous payer signature, the previous transaction data comprising: the method comprises the steps that a previous payer digital currency text, a previous payer payment amount, a payer identifier, a previous payer identifier and a previous payer transaction unique identifier are obtained by signing previous transaction data by using a previous payer device private key through a previous payer device signature;
The transaction record data includes, when the payer device transfers digital money issued for the payer device together with digital money transferred from the other device to the payer device: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a payer digital currency text, a previous payer digital currency text, previous payer transaction record data, payment amount, payee identification, payer identification and transaction unique identification are obtained by signing transaction data by using a payer device private key through a payer device, the previous payer digital currency text and the previous payer transaction record data are received by the payer device from the previous payer device, and the previous payer transaction record data comprise: the previous transaction data and the previous payer signature, the previous transaction data comprising: the digital currency text of the previous payer, the payment amount of the previous payer, the identification of the previous payer and the unique identification of the previous transaction of the payer, and the signature of the previous payer is obtained by signing the data of the previous transaction by using the private key of the device of the previous payer.
As an alternative implementation of the embodiment of the present invention, the payer identification includes at least a payer public key based on a public key algorithm; the payee identification includes at least a payee public key based on a public key algorithm. The public key can be 33 bytes or 64 bytes of SM2, and the transaction can be further prevented from being tampered through an asymmetric cryptographic algorithm, so that the transaction security is improved. In addition, the payer identifier may also be a hash value of the payer public key, for example 32 bytes of SM3, which is not particularly limited in the present invention.
As an alternative implementation of the embodiment of the present invention, the transaction unique identifier includes: a transaction index, a random number, and/or a transaction count value. It is within the scope of the present invention to uniquely identify the transaction as long as it can be determined. For example, the time+the serial number may be used as the unique identifier, and if a random number is used as the unique identifier, for example, a random number of 4 bytes may be selected, which is not particularly limited in the present invention.
As an alternative implementation of the embodiment of the present invention, the transaction record data format is as follows, but the present invention is not limited thereto:
1. DC original document Var
2. Amount of money 6
3. Payee identification 33
4. Payment party sign 33
5. Transaction counter 2
6. RND 4
7. Payment party signature 64
S3, the payee device receives the transaction record data, verifies the transaction record data, and stores the transaction record data after the verification is passed.
Specifically, after receiving the transaction record data, the payee device verifies the transaction record data, and only if the verification is passed, the transaction is proved to be legal, so that the transaction record data is saved.
As an alternative implementation of the embodiment of the present invention, the verifying of the transaction record data by the payee device includes: the payee device uses the payer public key to check the signature of the payer; or the payee device performs signature verification on the payer signature by using the payer public key, the payee device performs signature verification on the previous payer signature by using the previous payer public key, and the payee device determines whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record data generated by the payer device. Specifically, when the payer device transfers the digital currency issued for the payer device, the payee device only needs to check the signature of the payer, and when the payer device transfers the digital currency transferred from other devices to the payer device, the payee device verifies the signature of the payer at the same time as verifying the signature of the payer, and simultaneously verifies that the identification of the payer in the transaction record data of the previous payment is consistent with the identification of the payer in the transaction record generated by the payer device; when the payer device transfers the digital currency issued for the payer device and the digital currency transferred from other devices to the payer device together, the payee device needs to verify the previous payer signature while verifying the payer signature, and at the same time, confirms that the payer identifier in the previous payment transaction record data is consistent with the payer identifier in the transaction record generated by the payer device.
As an alternative implementation of the embodiment of the present invention, the verifying of the transaction record data by the payee device includes:
The payee device uses the payer public key to check the payer signature, and the payee device verifies the digital currency text of the payer; or the payee device uses the payer public key to check the payer signature, the payee device uses the previous payer public key to check the previous payer signature, the payee device verifies the previous digital currency, and the payee device determines whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record data generated by the payer device; or the payee device verifies the payer signature by using the payer public key, verifies the payer digital currency text by using the payee device, verifies the previous payer signature by using the previous payer public key, verifies the previous digital currency text, and determines whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record generated by the payer device. Specifically, when the payer device transfers digital currency issued for the payer device, the payee device needs to check a signature of the payer and verify digital currency of the payer at the same time, when the payer device transfers digital currency transferred from other devices to the payer device, the payee device needs to verify a signature of a previous payment and verify the identity of the payer in the transaction record data of the previous payment and the identity of the payer in the transaction record generated by the payer device at the same time, and verifies the digital currency of the previous time at the same time; when the payer device transfers the digital currency issued for the payer device and the digital currency transferred from other devices to the payer device together, the payee device needs to verify the signature of the payer before, and at the same time, verifies that the payer identifier in the transaction record data of the previous payment is consistent with the payer identifier in the transaction record generated by the payer device, and verifies the original digital currency of the previous time and the original digital currency of the payer.
Therefore, according to the offline transaction method of the digital currency, the data format of the transaction record data is applied to the transaction chain, so that the transaction circulation of multiple transfer of the digital currency in offline can be completely recorded, verification of the validity of the transaction can be realized based on the complete signature trust chain of the transaction chain, and the transaction scene of multiple transfer of the digital currency in offline state can be applied and developed.
Fig. 2 is a schematic structural diagram of an offline transaction system for digital currency according to an embodiment of the present invention, where the offline transaction system for digital currency according to the embodiment of the present invention is applied to the above-mentioned method, and only the structure and functions of the offline transaction system for digital currency according to the embodiment of the present invention will be briefly described, and other less-than-anything, please refer to the related description of the offline transaction method for digital currency, and referring to fig. 2, the offline transaction system for digital currency according to the embodiment of the present invention includes: a payee device and a payer device;
The payee device is used for establishing wireless connection with the payer device;
a payer device for generating transaction record data and transmitting the transaction record data to a payee device, wherein:
The transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a payer digital currency text, a payment amount, a payee identifier, a payer identifier and a transaction unique identifier are provided, and a payer signature is obtained by signing transaction data by using a payer device private key;
Or alternatively
The transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a previous payer digital currency text, previous payer transaction record data, payment amount, payee identification, payer identification and transaction unique identification are obtained by signing transaction data by using a private key of a payer device by a payer device, the previous payer digital currency text and the previous payer transaction record data are received by the payer device from the previous payer device, and the previous payer transaction record data comprise: the previous transaction data and the previous payer signature, the previous transaction data comprising: the method comprises the steps that a previous payer digital currency text, a previous payer payment amount, a payer identifier, a previous payer identifier and a previous payer transaction unique identifier are obtained by signing previous transaction data by using a previous payer device private key through a previous payer device signature;
Or alternatively
The transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the method comprises the steps that a payer digital currency text, a previous payer digital currency text, previous payer transaction record data, payment amount, payee identification, payer identification and transaction unique identification are obtained by signing transaction data by using a payer device private key through a payer device, the previous payer digital currency text and the previous payer transaction record data are received by the payer device from the previous payer device, and the previous payer transaction record data comprise: the previous transaction data and the previous payer signature, the previous transaction data comprising: the method comprises the steps that a previous payer digital currency text, a previous payer payment amount, a payer identifier, a previous payer identifier and a previous payer transaction unique identifier are obtained by signing previous transaction data by using a previous payer device private key through a previous payer device signature;
The payee device is also used for receiving the transaction record data, verifying the transaction record data and storing the transaction record data after the verification is passed.
As an alternative implementation of the embodiment of the present invention, the payer identification includes at least a payer public key based on a public key algorithm; the payee identification includes at least a payee public key based on a public key algorithm. By means of the asymmetric cryptographic algorithm, the transaction can be further prevented from being tampered, and the transaction safety is improved.
As an alternative implementation of the embodiment of the present invention, the transaction unique identifier includes: a transaction index, a random number, and/or a transaction count value. It is within the scope of the present invention to uniquely identify the transaction as long as it can be determined.
As an alternative implementation of the embodiment of the present invention, the payee device verifies the transaction record data by: the payee device is specifically used for checking the signature of the payer by using the public key of the payer; or the payer public key is utilized to check the signature of the payer, the payee device utilizes the public key of the previous payer to check the signature of the previous payer, and the payee device determines whether the payer identifier in the transaction record data of the previous payer is consistent with the payer identifier in the transaction record data generated by the payer device.
As an alternative implementation of the embodiment of the present invention, the payee device verifies the transaction record data by: the payee device is specifically used for verifying the payer signature by using the payer public key and verifying the digital currency text of the payer; or the payer public key is used for checking the signature of the payer, the payee device is used for checking the signature of the payer in the last time by using the public key of the payer in the last time, the payee device is used for verifying the original text of the digital currency in the last time, the payee device determines whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record data generated by the payee device; or verifying the payer signature by using the payer public key, verifying the payer digital currency text by using the payee device, verifying the previous payer signature by using the previous payer public key, verifying the previous digital currency text by using the payee device, and determining whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record generated by the payer device by using the payee device.
As an alternative implementation of the embodiment of the present invention, the payee device establishes a wireless connection with the payer device by: the payee device is specifically configured to determine that the payee device enters within an NFC field of the payee device; transmitting Bluetooth connection parameters with the payer device through NFC connection; a bluetooth connection is established with the payer device. The payee device actively establishes connection with the payer device, transmits Bluetooth parameters in an NFC mode, improves Bluetooth pairing efficiency, transfers digital currency through Bluetooth, and ensures digital currency transfer efficiency and accuracy.
Therefore, according to the offline transaction system for the digital currency, which is provided by the embodiment of the invention, the data format of the transaction record data is applied to the transaction chain, so that the transaction circulation of multiple transfer of the digital currency in offline can be completely recorded, and the verification of the validity of the transaction can be realized based on the complete signature trust chain of the transaction chain, so that the transaction scene of multiple transfer of the digital currency in offline state can be applied and developed.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and further implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.
It is to be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above-described embodiments, the various steps or methods may be implemented in software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, may be implemented using any one or combination of the following techniques, as is well known in the art: discrete logic circuits having logic gates for implementing logic functions on data signals, application specific integrated circuits having suitable combinational logic gates, programmable Gate Arrays (PGAs), field Programmable Gate Arrays (FPGAs), and the like.
Those of ordinary skill in the art will appreciate that all or a portion of the steps carried out in the method of the above-described embodiments may be implemented by a program to instruct related hardware, where the program may be stored in a computer readable storage medium, and where the program, when executed, includes one or a combination of the steps of the method embodiments.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing module, or each unit may exist alone physically, or two or more units may be integrated in one module. The integrated modules may be implemented in hardware or in software functional modules. The integrated modules may also be stored in a computer readable storage medium if implemented in the form of software functional modules and sold or used as a stand-alone product.
The above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, or the like.
In the description of the present specification, a description referring to terms "one embodiment," "some embodiments," "examples," "specific examples," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present invention. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
Although embodiments of the present invention have been shown and described above, it will be understood that the above embodiments are illustrative and not to be construed as limiting the invention, and that variations, modifications, alternatives, and variations may be made in the above embodiments by those skilled in the art without departing from the spirit and principles of the invention. The scope of the invention is defined by the appended claims and equivalents thereof.

Claims (12)

1. An off-line transaction method for digital money, comprising:
s1, wireless connection is established between a payee device and a payer device;
S2, the payer equipment generates transaction record data and sends the transaction record data to the payee equipment, wherein:
The transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the utility model provides a payment side digital currency primary text, payment side transaction record data, payment amount, payee side identification, payment side identification and transaction unique identification, the payment side signature is that the payment side equipment utilizes payment side equipment private key to sign the transaction data, the payment side digital currency primary text and the payment side transaction record data are that the payment side equipment receives from payment side equipment, the payment side transaction record data includes: previous transaction data and a previous payer signature, the previous transaction data comprising: the digital currency text of the previous payer, the payment amount of the previous payer, the payer identifier, the previous payer identifier and the unique identifier of the previous payer transaction, wherein the signature of the previous payer is obtained by signing the previous transaction data by using a private key of the previous payer equipment;
Or alternatively
The transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the payment party digital currency text, a previous payment party digital currency text, previous payment party transaction record data, payment amount, payee identification, payment party identification and transaction unique identification, wherein the payment party signature is obtained by signing the transaction data by using a private key of payment party equipment, the previous payment party digital currency text and the previous payment party transaction record data are received by the payment party equipment from the previous payment party equipment, and the previous payment party transaction record data comprise: previous transaction data and a previous payer signature, the previous transaction data comprising: the digital currency text of the previous payer, the payment amount of the previous payer, the payer identifier, the previous payer identifier and the unique identifier of the previous payer transaction, wherein the signature of the previous payer is obtained by signing the previous transaction data by using a private key of the previous payer equipment;
S3, the payee device receives the transaction record data, verifies the transaction record data, and stores the transaction record data after verification is passed.
2. The method of claim 1, wherein the payer identification includes at least a payer public key based on a public key algorithm; the payee identification includes at least a payee public key based on a public key algorithm.
3. The method of claim 1, wherein the transaction unique identification comprises: a transaction index, a random number, and/or a transaction count value.
4. A method according to claim 2 or 3, characterized in that,
The payee device validating the transaction record data includes:
The payee device performs signature verification on the payer signature by using the payer public key;
Or alternatively
The payee device uses the payer public key to check the payer signature, the payee device uses the previous payer public key to check the previous payer signature, and the payee device determines whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record data generated by the payer device.
5. A method according to claim 2 or 3, wherein the payee device validating the transaction record data comprises:
The payee device uses the payer public key to check the payer signature, and the payee device verifies the digital currency of the payer;
Or alternatively
The payee device uses the payer public key to check the payer signature, the payee device uses the previous payer public key to check the previous payer signature, the payee device verifies the previous digital currency, and the payee device determines whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record data generated by the payer device;
Or alternatively
The payee device verifies the payer signature by using the payer public key, verifies the payer digital currency text by using the payee device, verifies the previous payer signature by using the previous payer public key, verifies the previous digital currency text by using the payee device, and determines whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record generated by the payee device.
6. The method of claim 1, wherein the payee device establishing a wireless connection with a payer device comprises:
The payee device determines that the payer device is within NFC range of the payee device;
the payee device and the payer device transmit Bluetooth connection parameters through NFC connection;
The payee device establishes a bluetooth connection with the payer device.
7. An offline transaction system for digital money, comprising: a payee device and a payer device;
The payee device is used for establishing wireless connection with the payer device;
the payer device is configured to generate transaction record data and send the transaction record data to the payee device, where:
The transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the utility model provides a payment side digital currency primary text, payment side transaction record data, payment amount, payee side identification, payment side identification and transaction unique identification, the payment side signature is that the payment side equipment utilizes payment side equipment private key to sign the transaction data, the payment side digital currency primary text and the payment side transaction record data are that the payment side equipment receives from payment side equipment, the payment side transaction record data includes: previous transaction data and a previous payer signature, the previous transaction data comprising: the digital currency text of the previous payer, the payment amount of the previous payer, the payer identifier, the previous payer identifier and the unique identifier of the previous payer transaction, wherein the signature of the previous payer is obtained by signing the previous transaction data by using a private key of the previous payer equipment;
Or alternatively
The transaction record data includes: transaction data and a payer signature, wherein the transaction data comprises: the payment party digital currency text, a previous payment party digital currency text, previous payment party transaction record data, payment amount, payee identification, payment party identification and transaction unique identification, wherein the payment party signature is obtained by signing the transaction data by using a private key of payment party equipment, the previous payment party digital currency text and the previous payment party transaction record data are received by the payment party equipment from the previous payment party equipment, and the previous payment party transaction record data comprise: previous transaction data and a previous payer signature, the previous transaction data comprising: the digital currency text of the previous payer, the payment amount of the previous payer, the payer identifier, the previous payer identifier and the unique identifier of the previous payer transaction, wherein the signature of the previous payer is obtained by signing the previous transaction data by using a private key of the previous payer equipment;
The payee device is further configured to receive the transaction record data, verify the transaction record data, and store the transaction record data after the verification is passed.
8. The system of claim 7, wherein the payer identification includes at least a payer public key based on a public key algorithm; the payee identification includes at least a payee public key based on a public key algorithm.
9. The system of claim 7, wherein the transaction unique identification comprises: a transaction index, a random number, and/or a transaction count value.
10. The system according to claim 8 or 9, wherein,
The payee device verifies the transaction record data by:
The device of the payee is provided with a communication device,
The method is particularly used for checking the signature of the payer by using the public key of the payer;
Or alternatively
And checking the signature of the payer by using a public key of the payer, checking the signature of the payer by using a public key of the payee device of the previous time, and determining whether the identification of the payer in the transaction record data of the previous time is consistent with the identification of the payer in the transaction record data generated by the payer device of the payee device of the previous time.
11. The system of claim 8 or 9, wherein the payee device verifies the transaction record data by:
The device of the payee is provided with a communication device,
The digital currency signature verification method is particularly used for verifying the signature of the payer by using a public key of the payer, and verifying the digital currency text of the payer by using the payee device;
Or alternatively
Signing the payer signature by using a payer public key, signing the previous payer signature by using a previous payer public key by using payee equipment, verifying the previous digital currency text by using payee equipment, and determining whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in transaction record data generated by the payer equipment by using payee equipment;
Or alternatively
And verifying the payer signature by using the payer public key, verifying the digital currency text of the payer by using the payee device, verifying the previous payer signature by using the previous payer public key by using the payee device, verifying the previous digital currency text by using the payee device, and determining whether the payer identifier in the previous payer transaction record data is consistent with the payer identifier in the transaction record generated by the payee device by using the payee device.
12. The system of claim 7, wherein the payee device establishes a wireless connection with the payer device by:
the payee device is specifically configured to determine that the payer device enters into an NFC field range of the payee device; transmitting Bluetooth connection parameters with the payer device through NFC connection; and establishing Bluetooth connection with the payer equipment.
CN202010272772.6A 2020-04-09 2020-04-09 Off-line transaction method and system for digital currency Active CN111523869B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202010272772.6A CN111523869B (en) 2020-04-09 2020-04-09 Off-line transaction method and system for digital currency

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202010272772.6A CN111523869B (en) 2020-04-09 2020-04-09 Off-line transaction method and system for digital currency

Publications (2)

Publication Number Publication Date
CN111523869A CN111523869A (en) 2020-08-11
CN111523869B true CN111523869B (en) 2024-05-24

Family

ID=71901385

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202010272772.6A Active CN111523869B (en) 2020-04-09 2020-04-09 Off-line transaction method and system for digital currency

Country Status (1)

Country Link
CN (1) CN111523869B (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112288422A (en) * 2020-10-29 2021-01-29 珠海优特物联科技有限公司 Digital currency transaction method and device
US20240193594A1 (en) * 2021-04-16 2024-06-13 Digital Currency Institute, The People's Bank Of China Method, Terminal and System for Splitting and Managing Digital Currency in Transaction

Citations (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102147945A (en) * 2010-02-09 2011-08-10 张永钢 Electronic cash trading system
CN102468960A (en) * 2010-11-16 2012-05-23 卓望数码技术(深圳)有限公司 Off-line mode identity and transaction authentication method and terminal
CN105407079A (en) * 2015-09-25 2016-03-16 中城智慧科技有限公司 Novel terminal safety soft secret key management method
CN106651331A (en) * 2016-12-22 2017-05-10 飞天诚信科技股份有限公司 Digital currency-based electronic transaction method and system
CN106779636A (en) * 2016-11-29 2017-05-31 北京乐酷达网络科技有限公司 A kind of block chain digital cash wallet based on earphone interface of mobile phone
CN106920100A (en) * 2017-03-22 2017-07-04 上海诺亚投资管理有限公司 A kind of electronic money trading method and system
CN107230051A (en) * 2016-03-25 2017-10-03 中国人民银行印制科学技术研究所 The method of payment and payment system of digital cash
CN107230055A (en) * 2016-03-25 2017-10-03 中国人民银行印制科学技术研究所 The method and system of payout figure currency
CN107665427A (en) * 2017-08-22 2018-02-06 阿里巴巴集团控股有限公司 A kind of offline electronic payment, business processing, the method and device of payment processes
CN107851246A (en) * 2015-05-21 2018-03-27 万事达卡国际股份有限公司 System and method for handling the transaction based on block chain on existing payment network
CN108256841A (en) * 2017-12-28 2018-07-06 中国人民银行数字货币研究所 Actively turn the method, apparatus and system of coin
CN108537537A (en) * 2018-04-16 2018-09-14 杭州网看科技有限公司 A kind of safe and reliable digital cash Wallet System
CN108985928A (en) * 2018-06-07 2018-12-11 捷德(中国)信息科技有限公司 Digital cash method of commerce, device, system and mobile terminal
CN109146479A (en) * 2018-08-07 2019-01-04 杨国超 Data ciphering method based on block chain
CN109493016A (en) * 2018-10-24 2019-03-19 中国工商银行股份有限公司 Offline electronic payment method, terminal based on digital cash and act on behalf of dispensing device
CN109670801A (en) * 2018-12-10 2019-04-23 华中科技大学 A kind of digital encryption currency transfer method for block chain
CN110458542A (en) * 2019-08-02 2019-11-15 中国工商银行股份有限公司 Offline electronic payment system and method based on block chain

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20130054461A1 (en) * 2011-08-23 2013-02-28 Infosys Limited Methods, systems, and computer-readable media for electronic financial transfers
EP3293686A1 (en) * 2016-09-07 2018-03-14 Mastercard International, Inc. Method and system for allowing offline peer-2-peer transactions using exchangeable provisioned tokens

Patent Citations (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102147945A (en) * 2010-02-09 2011-08-10 张永钢 Electronic cash trading system
CN102468960A (en) * 2010-11-16 2012-05-23 卓望数码技术(深圳)有限公司 Off-line mode identity and transaction authentication method and terminal
CN107851246A (en) * 2015-05-21 2018-03-27 万事达卡国际股份有限公司 System and method for handling the transaction based on block chain on existing payment network
CN105407079A (en) * 2015-09-25 2016-03-16 中城智慧科技有限公司 Novel terminal safety soft secret key management method
CN107230051A (en) * 2016-03-25 2017-10-03 中国人民银行印制科学技术研究所 The method of payment and payment system of digital cash
CN107230055A (en) * 2016-03-25 2017-10-03 中国人民银行印制科学技术研究所 The method and system of payout figure currency
CN106779636A (en) * 2016-11-29 2017-05-31 北京乐酷达网络科技有限公司 A kind of block chain digital cash wallet based on earphone interface of mobile phone
CN106651331A (en) * 2016-12-22 2017-05-10 飞天诚信科技股份有限公司 Digital currency-based electronic transaction method and system
CN106920100A (en) * 2017-03-22 2017-07-04 上海诺亚投资管理有限公司 A kind of electronic money trading method and system
CN107665427A (en) * 2017-08-22 2018-02-06 阿里巴巴集团控股有限公司 A kind of offline electronic payment, business processing, the method and device of payment processes
CN108256841A (en) * 2017-12-28 2018-07-06 中国人民银行数字货币研究所 Actively turn the method, apparatus and system of coin
CN108537537A (en) * 2018-04-16 2018-09-14 杭州网看科技有限公司 A kind of safe and reliable digital cash Wallet System
CN108985928A (en) * 2018-06-07 2018-12-11 捷德(中国)信息科技有限公司 Digital cash method of commerce, device, system and mobile terminal
CN109146479A (en) * 2018-08-07 2019-01-04 杨国超 Data ciphering method based on block chain
CN109493016A (en) * 2018-10-24 2019-03-19 中国工商银行股份有限公司 Offline electronic payment method, terminal based on digital cash and act on behalf of dispensing device
CN109670801A (en) * 2018-12-10 2019-04-23 华中科技大学 A kind of digital encryption currency transfer method for block chain
CN110458542A (en) * 2019-08-02 2019-11-15 中国工商银行股份有限公司 Offline electronic payment system and method based on block chain

Also Published As

Publication number Publication date
CN111523869A (en) 2020-08-11

Similar Documents

Publication Publication Date Title
US20200394651A1 (en) Dynamic off-chain digital currency transaction processing
AU2017203373A1 (en) Provisioning payment credentials to a consumer
CN112819629B (en) Digital currency transaction method and system based on intelligent contract
CN111523869B (en) Off-line transaction method and system for digital currency
CN102468960A (en) Off-line mode identity and transaction authentication method and terminal
CN105956855B (en) Transaction method and transaction system of electronic signature device
CN113196704A (en) Techniques for securely performing offline authentication
CN103886463A (en) Electronic commerce system and method of verifying consignee identity in corresponding distribution service
CN106034031B (en) Method, device, terminal and cloud authentication platform for acquiring identity information
CN104715360A (en) Card-free payment and collection system and method
CN107491955B (en) Encryption method of mobile terminal, identity authentication and electronic payment system and method
WO2013130912A2 (en) In-card access control and monotonic counters for offline payment processing system
CN106228349B (en) Transaction method of electronic signature device and electronic signature device
US20150348033A1 (en) Secure Payments Using Portable Communication Devices and Two Dimensional Codes
EP3965039A1 (en) Electronic currency offline payment method and payment collection method
CN111915283A (en) Off-line electronic money payment method and device
CN113436016A (en) Operation processing method, device and system based on block chain
AU2013205181B9 (en) In-card access control and monotonic counters for offline payment processing system
CN111915282A (en) Off-line electronic money receiving method and device
CN215298348U (en) Composite digital currency hardware wallet equipment
CN111915431A (en) Off-line electronic money transaction method and system
CN215182291U (en) Traffic POS digital currency collection transfer device and composite collection system
CN113283899A (en) Public transport intelligent card recharging method, system and composite wallet
CN112598407B (en) Transaction method, device, electronic equipment and storage medium
KR100639805B1 (en) Electronic Cash Charge System Using Mobile Phone, and Method For The Same

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant