CN111768199A - Digital currency transaction method and local wallet system - Google Patents

Digital currency transaction method and local wallet system Download PDF

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Publication number
CN111768199A
CN111768199A CN202010623783.4A CN202010623783A CN111768199A CN 111768199 A CN111768199 A CN 111768199A CN 202010623783 A CN202010623783 A CN 202010623783A CN 111768199 A CN111768199 A CN 111768199A
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Prior art keywords
transaction
digital currency
information
private key
security module
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周海京
张宇
赵国栋
李�杰
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Shuzi Qianbao Beijing Technology Co ltd
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Shuzi Qianbao Beijing Technology Co ltd
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Priority to CN202010623783.4A priority Critical patent/CN111768199A/en
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    • 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
    • G06Q20/3825Use of electronic signatures
    • 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
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management

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

Abstract

The invention provides a digital currency transaction method and a local wallet system, wherein the method is applied to a mobile terminal in the local wallet system, the local wallet system further comprises a cloud platform, the mobile terminal comprises a security module, and the method comprises the following steps: processing a pre-generated private key by using a key dispersion algorithm in the security module to obtain a service private key; acquiring transaction information of a digital currency account on a blockchain; performing digital signature on the transaction information by using a service private key to obtain transaction signature information; sending the transaction signature information to the cloud platform; receiving a digital currency transaction notification corresponding to the digital currency account sent by the cloud platform, and updating the digital currency information. The technical problem that the financial system in the prior art is low in efficiency is solved, the transaction system based on the digital currency is supported, and the technical effect of improving the efficiency of the financial system is achieved.

Description

Digital currency transaction method and local wallet system
Technical Field
The invention relates to the technical field of communication, in particular to a digital currency transaction method and a local wallet system.
Background
Mobile payment, also known as mobile payment, is a service that allows users to use their mobile terminals (typically mobile phones) for financial payments of goods or services consumed. The unit or the individual directly or indirectly sends a payment instruction to the bank financial institution through the mobile equipment, the Internet or the close-range sensor to generate money payment and fund transfer behaviors, so that the mobile payment function is realized.
In the existing mobile payment transaction process, real currency is used for clearing and settlement, so that the complexity is high. Therefore, a problem of inefficiency of the financial system is caused.
Disclosure of Invention
In view of the above, the present invention provides a digital currency transaction method and a local wallet system to alleviate the technical problem of low efficiency of the financial system in the prior art.
In a first aspect, an embodiment of the present invention provides a digital currency transaction method, where the method is applied to a mobile terminal in a local wallet system, the local wallet system further includes a cloud platform, and a security module is included in the mobile terminal, and the method includes:
processing a pre-generated private key by using a key dispersion algorithm in the security module to obtain a service private key;
acquiring transaction information of a digital currency account on a blockchain;
performing digital signature on the transaction information by using the service private key to obtain transaction signature information;
sending the transaction signature information to the cloud platform;
receiving a digital currency transaction notification corresponding to the digital currency account sent by the cloud platform, and updating digital currency information.
With reference to the first aspect, an embodiment of the present invention provides a first possible implementation manner of the first aspect, where the method further includes:
generating the private key with the security module;
and generating a public key by using a preset cryptographic algorithm in the security module and the private key.
With reference to the first aspect, an embodiment of the present invention provides a second possible implementation manner of the first aspect, where the method further includes:
sending key algorithm information and user information to the cloud platform;
and receiving the digital currency account which is sent by the cloud platform and uniquely corresponds to the user information.
With reference to the first aspect, an embodiment of the present invention provides a third possible implementation manner of the first aspect, where the user information includes: the mobile terminal comprises a bank card number, a mobile terminal identification ID, an identity card number, a public key, a chip identification ID and a short message verification code.
With reference to the first aspect, an embodiment of the present invention provides a fourth possible implementation manner of the first aspect, where the processing a private key by using a key distribution algorithm in the security module to obtain a service private key includes:
obtaining the number of service levels in the local wallet system;
and processing the private key according to the chip identification ID, the key dispersion algorithm and the number of the service grades to obtain a service private key, wherein the service private key corresponds to at least one service grade.
With reference to the first aspect, an embodiment of the present invention provides a fifth possible implementation manner of the first aspect, where the transaction information includes: a payee digital currency account and an amount of digital currency to be paid.
With reference to the first aspect, an embodiment of the present invention provides a sixth possible implementation manner of the first aspect, where the digitally signing the transaction information with the service private key to obtain transaction signature information includes:
importing the transaction information into the security module;
performing digital signature on the transaction information in the security module to obtain the transaction signature information;
deriving the transaction signature information from the security module.
In a second aspect, an embodiment of the present invention further provides a local wallet system, including: a cloud platform and a mobile terminal applying the method of any one of the first aspect.
In a third aspect, an embodiment of the present invention further provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the steps of the method according to any one of the first aspect when executing the computer program.
In a fourth aspect, the present invention also provides a computer-readable medium having non-volatile program code executable by a processor, where the program code causes the processor to execute the method of any one of the first aspect.
The embodiment of the invention has the following beneficial effects: the digital currency transaction method provided by the embodiment of the invention is applied to a mobile terminal in a local wallet system, the local wallet system further comprises a cloud platform, the mobile terminal comprises a security module, and the method comprises the following steps: processing a pre-generated private key by using a key dispersion algorithm in the security module to obtain a service private key; acquiring transaction information of a digital currency account on a blockchain; performing digital signature on the transaction information by using the service private key to obtain transaction signature information; sending the transaction signature information to the cloud platform; the method comprises the steps of receiving a digital currency transaction notification which is sent by the cloud platform and corresponds to the digital currency account, and updating digital currency information, so that when a mobile terminal in a local wallet system obtains transaction information, the transaction information is digitally signed by using the service private key to obtain transaction signature information, the transaction signature information is sent to the cloud platform, the digital currency transaction notification which is sent by the cloud platform and corresponds to the digital currency account is received, then the mobile payment transaction process is completed, the fact that real currency is used for settlement and settlement is avoided, and complexity of the mobile payment transaction process is reduced.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
FIG. 1 is a flow chart of a digital currency transaction method provided by an embodiment of the invention;
fig. 2 is a flowchart of a method for generating a service private key according to an embodiment of the present invention;
FIG. 3 is a flow chart of a method for generating transaction signature information according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a local wallet system according to an embodiment of the present invention.
Detailed Description
To make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is apparent that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
At present, in the existing mobile payment transaction process, real money is used for clearing and settlement, and the complexity is higher, so that the problem of low efficiency of a financial system is caused.
In order to facilitate understanding of the present embodiment, a digital currency transaction method disclosed in the present embodiment is first described in detail, where the method is applied to a mobile terminal in a local wallet system, the local wallet system further includes a cloud platform, and the mobile terminal includes a security module therein, as shown in fig. 1, the digital currency transaction method may include the following steps.
And step S101, processing a pre-generated private key by using a key dispersion algorithm in the security module to obtain a service private key.
Illustratively, the security module may be a security module with an SE chip, or may be a TEE security module. The key dispersion algorithm may be the BIP32 algorithm.
Illustratively, as shown in fig. 2, step S101 may include the following steps.
Step S201, acquiring the number of service levels in the local wallet system.
For example, the connection of the mobile terminal to the cloud platform may be a primary service. The next level of service triggered by the first level of service is the second level of service, and so on.
Step S202, processing the private key according to the chip identification ID, the key dispersion algorithm and the number of the service grades to obtain a service private key, wherein the service private key corresponds to at least one service grade.
Illustratively, each traffic class may have the same key, or have different keys. For example, the number of the service levels is 5, and each service level is set to correspond to one service private key, so that the private keys can be processed according to the chip identification ID and the key dispersion algorithm to obtain 5 service private keys. When the primary service is processed, the service private key corresponding to the primary service is used.
Step S102, transaction information of the digital currency account on the blockchain is acquired.
Illustratively, the transaction information may include: a payee digital currency account and an amount of digital currency to be paid. The number of the transaction information may be one or more. The transaction information may come from different business service electronic contract documents.
And step S103, performing digital signature on the transaction information by using the service private key to obtain transaction signature information.
Illustratively, as shown in fig. 3, step S103 may include the following steps.
Step S301, the transaction information is imported into the security module.
Illustratively, the private key is stored in the security module in an encrypted manner, so that the security of the private key is guaranteed. Therefore, the transaction information is imported into the security module.
Step S302, the transaction information is digitally signed in the security module to obtain the transaction signature information.
For example, the transaction signature information may be obtained by digitally signing the transaction information in an SE chip in the security module.
Step S303, exporting the transaction signature information to the security module.
And step S104, sending the transaction signature information to the cloud platform.
For example, the cloud platform may store digital currency corresponding to the digital currency account. The encrypted transaction signature information may be sent to the cloud platform, or the transaction signature information may be directly sent to the cloud platform. The cloud platform may route the transaction signature information to a corresponding blockchain, and store the transaction signature information by the blockchain according to a blockchain rule.
Step S105, receiving a digital currency transaction notification corresponding to the digital currency account sent by the cloud platform, and updating digital currency information.
For example, after receiving a digital currency transaction notification corresponding to the digital currency account sent by the cloud platform, the digital currency transaction notification may be verified, and after the verification is passed, the digital currency information may be updated.
In an embodiment of the present invention, the digital currency transaction method is applied to a mobile terminal in a local wallet system, the local wallet system further includes a cloud platform, the mobile terminal includes a security module therein, and the method includes: processing a pre-generated private key by using a key dispersion algorithm in the security module to obtain a service private key; acquiring transaction information of a digital currency account on a blockchain; performing digital signature on the transaction information by using the service private key to obtain transaction signature information; sending the transaction signature information to the cloud platform; the method comprises the steps of receiving a digital currency transaction notification which is sent by the cloud platform and corresponds to the digital currency account, and updating digital currency information, so that when a mobile terminal in a local wallet system obtains transaction information, the transaction information is digitally signed by using the service private key to obtain transaction signature information, the transaction signature information is sent to the cloud platform, the digital currency transaction notification which is sent by the cloud platform and corresponds to the digital currency account is received, then the mobile payment transaction process is completed, the fact that real currency is used for settlement and settlement is avoided, and complexity of the mobile payment transaction process is reduced.
In yet another embodiment of the present invention, the digital money transaction method may further include the following steps.
Step S401, generating the private key by using the security module.
Illustratively, a random number is generated using the SE chip in the security module, which may be the private key. The private key is stored in the security module in an encrypted manner, so that the security of the private key is ensured.
Step S402, a public key is generated by using a preset cryptographic algorithm in the security module and the private key.
For example, the preset cryptographic algorithm may include: SM2 algorithm, SM3 algorithm, SM4 algorithm, ECC algorithm, SHA256 algorithm, or AES algorithm. When the mobile terminal is lost or damaged, a sharer threshold sharing algorithm can be used for recovering keys (a private key and a public key).
In yet another embodiment of the present invention, the digital money transaction method may further include the following steps.
Step S501, sending key algorithm information and user information to the cloud platform.
Illustratively, the user information may include: the mobile terminal comprises a bank card number, a mobile terminal identification ID, an identity card number, a public key, a chip identification ID and a short message verification code.
Illustratively, the short message authentication code is optional.
Step S502, receiving the digital currency account which is uniquely corresponding to the user information and is sent by the cloud platform.
In another embodiment of the present invention, a local wallet system disclosed in the embodiment of the present invention is described in detail, and as shown in fig. 4, the local wallet system includes: a mobile terminal 41 applying the method according to any one of the above embodiments and a cloud platform 42 applying the method according to any one of the above embodiments.
In another embodiment of the present invention, an electronic device disclosed in the embodiment of the present invention is described in detail, and includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the processor implements the steps of the method described in any one of the above embodiments.
In a further embodiment of the present invention, a computer-readable medium having non-volatile program code executable by a processor and causing the processor to perform the method of any one of the above embodiments is disclosed.
Unless specifically stated otherwise, the relative steps, numerical expressions, and values of the components and steps set forth in these embodiments do not limit the scope of the present invention.
The device provided by the embodiment of the present invention has the same implementation principle and technical effect as the method embodiments, and for the sake of brief description, reference may be made to the corresponding contents in the method embodiments without reference to the device embodiments.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the system and the apparatus described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In all examples shown and described herein, any particular value should be construed as merely exemplary, and not as a limitation, and thus other examples of example embodiments may have different values.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In addition, in the description of the embodiments of the present invention, unless otherwise explicitly specified or limited, the terms "mounted," "connected," and "connected" are to be construed broadly, e.g., as meaning either a fixed connection, a removable connection, or an integral connection; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood in specific cases to those skilled in the art.
In the description of the present invention, it should be noted that the terms "center", "upper", "lower", "left", "right", "vertical", "horizontal", "inner", "outer", etc., indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience of description and simplicity of description, but do not indicate or imply that the device or element being referred to must have a particular orientation, be constructed and operated in a particular orientation, and thus, should not be construed as limiting the present invention. Furthermore, the terms "first," "second," and "third" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance.
The computer program product for performing the digital currency transaction method provided by the embodiment of the present invention includes a computer readable storage medium storing a nonvolatile program code executable by a processor, where instructions included in the program code may be used to execute the method described in the foregoing method embodiment, and specific implementation may refer to the method embodiment, and will not be described herein again.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and there may be other divisions when actually implemented, and for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of devices or units through some communication interfaces, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a non-volatile computer-readable storage medium executable by a processor. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (10)

1. A digital currency transaction method is applied to a mobile terminal in a local wallet system, the local wallet system further comprises a cloud platform, a security module is included in the mobile terminal, and the method comprises the following steps:
processing a pre-generated private key by using a key dispersion algorithm in the security module to obtain a service private key;
acquiring transaction information of a digital currency account on a blockchain;
performing digital signature on the transaction information by using the service private key to obtain transaction signature information;
sending the transaction signature information to the cloud platform;
receiving a digital currency transaction notification corresponding to the digital currency account sent by the cloud platform, and updating digital currency information.
2. The digital currency transaction method according to claim 1, further comprising:
generating the private key with the security module;
and generating a public key by using a preset cryptographic algorithm in the security module and the private key.
3. The digital currency transaction method according to claim 2, further comprising:
sending key algorithm information and user information to the cloud platform;
and receiving the digital currency account which is sent by the cloud platform and uniquely corresponds to the user information.
4. The digital money transaction method according to claim 3, wherein the user information includes: the mobile terminal comprises a bank card number, a mobile terminal identification ID, an identity card number, a public key, a chip identification ID and a short message verification code.
5. The digital currency transaction method of claim 4, wherein the processing of the private key using the key distribution algorithm in the security module to obtain the service private key comprises:
obtaining the number of service levels in the local wallet system;
and processing the private key according to the chip identification ID, the key dispersion algorithm and the number of the service grades to obtain a service private key, wherein the service private key corresponds to at least one service grade.
6. The digital currency transaction method according to claim 5, wherein the transaction information comprises: a payee digital currency account and an amount of digital currency to be paid.
7. The digital currency transaction method according to claim 6, wherein said digitally signing the transaction information with the service private key to obtain transaction signature information comprises:
importing the transaction information into the security module;
performing digital signature on the transaction information in the security module to obtain the transaction signature information;
deriving the transaction signature information from the security module.
8. A local wallet system, comprising: a cloud platform and a mobile terminal applying the digital currency transaction method of any one of claims 1 to 7.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the steps of the method of any of the preceding claims 1 to 7 are implemented when the computer program is executed by the processor.
10. A computer-readable medium having non-volatile program code executable by a processor, wherein the program code causes the processor to perform the digital money transaction method of any one of claims 1-7.
CN202010623783.4A 2020-06-30 2020-06-30 Digital currency transaction method and local wallet system Pending CN111768199A (en)

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CN112330310A (en) * 2020-11-12 2021-02-05 武汉天喻信息产业股份有限公司 Intelligent terminal system and equipment for digital currency transaction
CN112561511A (en) * 2020-12-10 2021-03-26 山东区块链研究院 Multi-stage electronic wallet data processing method and system based on state cryptographic standard algorithm
CN112561511B (en) * 2020-12-10 2022-12-20 山东区块链研究院 Multi-stage electronic wallet data processing method and system based on state cryptographic standard algorithm

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