TWI758859B - Offline transaction system and offline transaction method - Google Patents

Offline transaction system and offline transaction method Download PDF

Info

Publication number
TWI758859B
TWI758859B TW109131577A TW109131577A TWI758859B TW I758859 B TWI758859 B TW I758859B TW 109131577 A TW109131577 A TW 109131577A TW 109131577 A TW109131577 A TW 109131577A TW I758859 B TWI758859 B TW I758859B
Authority
TW
Taiwan
Prior art keywords
transaction
offline
data
hash data
transaction device
Prior art date
Application number
TW109131577A
Other languages
Chinese (zh)
Other versions
TW202211130A (en
Inventor
黃信元
Original Assignee
華南商業銀行股份有限公司
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 華南商業銀行股份有限公司 filed Critical 華南商業銀行股份有限公司
Priority to TW109131577A priority Critical patent/TWI758859B/en
Publication of TW202211130A publication Critical patent/TW202211130A/en
Application granted granted Critical
Publication of TWI758859B publication Critical patent/TWI758859B/en

Links

Images

Landscapes

  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

An offline transaction system includes a first server. The server is used to verify an offline transaction between a first transaction device and a second transaction device. At an offline stage, the first transaction device is used to input a transaction data to generate a first transaction code and the second transaction device is used to read the transaction data and obtain a privacy key according to the first transaction code. At the offline stage, the second transaction device is used to generate a first hash data according to the transaction data of completed transactions and the privacy key to provide a second transaction code to the first transaction device, and the first transaction device is used to generate a second hash data according to the second transaction code. At an online stage, the first transaction device and the second transaction device update the first hash data and the second hash data to the first server. The first server is used to take over the first hash data and the second hash data and compare whether the first hash data and the second hash data are same or not to finish the business transaction.

Description

離線交易系統及離線交易方法Offline transaction system and offline transaction method

本案涉及一種電子系統及方法。詳細而言，本案涉及一種離線交易系統及離線交易方法。This case involves an electronic system and method. In detail, this case involves an offline transaction system and an offline transaction method.

現有技術中，藉由各種可攜式裝置進行行動支付的趨勢已普遍流行於全世界，然而，於一些偏遠地區，因天災等不可抗力因素造成網路斷線，進而導致可攜式裝置無法使用行動支付之功能，因此亟需提出一種新穎的交易方式，以改善傳統交易方式的缺失。In the prior art, the trend of mobile payment through various portable devices has become popular all over the world. However, in some remote areas, the network is disconnected due to force majeure factors such as natural disasters, and the portable device cannot be used for mobile use. Therefore, it is urgent to propose a novel transaction method to improve the lack of traditional transaction methods.

本案的一面向涉及一種離線交易系統。離線交易系統包含第一伺服器。第一伺服器用以審核第一交易裝置及第二交易裝置的離線交易。於離線階段藉由第一交易裝置輸入交易資料以產生第一交易碼，並藉由第二交易裝置根據第一交易碼讀取交易資料及獲得私鑰。於離線階段藉由第二交易裝置根據已完成交易的交易資料及私鑰產生第一雜湊資料以提供第二交易碼給第一交易裝置，並藉由第一交易裝置根據第二交易碼產生第二雜湊資料。於在線階段第一交易裝置及第二交易裝置更新第一雜湊資料及第二雜湊資料至第一伺服器。第一伺服器用以接收第一雜湊資料及第二雜湊資料，並用以比對第一雜湊資料及第二雜湊資料是否相同以完成交割。One aspect of this case involves an offline transaction system. The offline trading system includes a first server. The first server is used for checking the offline transactions of the first transaction device and the second transaction device. In the offline stage, the first transaction device is used to input transaction data to generate a first transaction code, and the second transaction device reads the transaction data and obtains the private key according to the first transaction code. In the offline phase, the second transaction device generates the first hash data according to the transaction data and the private key of the completed transaction to provide the second transaction code to the first transaction device, and the first transaction device generates the first hash according to the second transaction code. Two hash data. In the online stage, the first transaction device and the second transaction device update the first hash data and the second hash data to the first server. The first server is used for receiving the first hash data and the second hash data, and is used for comparing whether the first hash data and the second hash data are the same to complete the delivery.

本案的另一面向涉及一種離線交易方法。離線交易方法包含以下步驟: 於離線階段藉由第一交易裝置輸入交易資料以產生第一交易碼；於離線階段藉由第二交易裝置根據第一交易碼讀取交易資料及獲得私鑰；於離線階段藉由第二交易裝置根據已完成交易的交易資料及私鑰產生第一雜湊資料以提供第二交易碼給第一交易裝置；於離線階段藉由第一交易裝置根據第二交易碼產生第二雜湊資料；於在線階段藉由第一伺服器根據第二雜湊資料進行交割請求；以及於在線階段藉由第一伺服器執行交割請求而比對第一雜湊資料及第二雜湊資料是否相同以進行交割。Another aspect of this case involves an offline transaction method. The offline transaction method includes the following steps: inputting transaction data through a first transaction device in an offline stage to generate a first transaction code; in an offline stage, using a second transaction device to read the transaction data according to the first transaction code and obtain a private key; In the offline stage, the second transaction device generates the first hash data according to the transaction data and the private key of the completed transaction to provide the second transaction code to the first transaction device; in the offline stage, the first transaction device generates the second transaction code according to the second transaction code. the second hash data; in the online stage, the first server executes the delivery request according to the second hash data; and in the online stage, the first server executes the delivery request to compare whether the first hash data and the second hash data are the same for delivery.

以下將以圖式及詳細敘述清楚說明本案之精神，任何所屬技術領域中具有通常知識者在瞭解本案之實施例後，當可由本案所教示之技術，加以改變及修飾，其並不脫離本案之精神與範圍。The following will clearly illustrate the spirit of this case with drawings and detailed descriptions. Anyone with ordinary knowledge in the technical field who understands the embodiments of this case can make changes and modifications by using the techniques taught in this case, which does not deviate from the principles of this case. spirit and scope.

本文之用語只為描述特定實施例，而無意為本案之限制。單數形式如“一”、“這”、“此”、“本”以及“該”，如本文所用，同樣也包含複數形式。The language used herein is for the purpose of describing particular embodiments and is not intended to be limiting. The singular forms such as "a", "the", "the", "this" and "the", as used herein, also include the plural forms.

關於本文中所使用之『包含』、『包括』、『具有』、『含有』等等，均為開放性的用語，即意指包含但不限於。The terms "comprising", "including", "having", "containing", etc. used in this document are all open-ended terms, meaning including but not limited to.

關於本文中所使用之用詞（terms），除有特別註明外，通常具有每個用詞使用在此領域中、在本案之內容中與特殊內容中的平常意義。某些用以描述本案之用詞將於下或在此說明書的別處討論，以提供本領域技術人員在有關本案之描述上額外的引導。Regarding the terms (terms) used in this article, unless otherwise specified, they usually have the ordinary meaning of each term used in this field, in the content of this case and in the special content. Certain terms used to describe the present case are discussed below or elsewhere in this specification to provide those skilled in the art with additional guidance in the description of the present case.

第1圖為根據本案一些實施例繪示的離線交易系統之電路方塊示意圖。在一些實施例中，如第1圖所示，離線交易系統100包含伺服器110。FIG. 1 is a schematic circuit block diagram of an offline transaction system according to some embodiments of the present application. In some embodiments, as shown in FIG. 1 , the offline transaction system 100 includes a server 110 .

在一些實施例中，伺服器110包含軟體、韌體、硬體或前述之排列組合。舉例而言，伺服器110包含提供簡訊技術(Short Message Service, SMS)之後台、應用程式(Application, APP)之後台及通訊軟體(如line) 之後台。In some embodiments, the server 110 includes software, firmware, hardware, or a combination of the foregoing. For example, the server 110 includes a background for providing short message technology (Short Message Service, SMS), a background for an application (Application, APP), and a background for communication software (eg, line).

在一些實施例中，請參閱第1圖，離線交易系統100包含第一伺服器110。第一伺服器110用以審核第一交易裝置910及第二交易裝置930的離線交易。於離線階段藉由第一交易裝置910輸入交易資料以產生第一交易碼，並藉由第二交易裝置930根據第一交易碼讀取交易資料及獲得私鑰。於離線階段藉由第二交易裝置930根據已完成交易的交易資料及私鑰產生第一雜湊資料以提供第二交易碼給第一交易裝置910，並藉由第一交易裝置910根據第二交易碼產生第二雜湊資料。於在線階段第一交易裝置910及第二交易裝置930更新第一雜湊資料及第二雜湊資料至第一伺服器110。第一伺服器用以接收第一雜湊資料及第二雜湊資料，並用以比對第一雜湊資料及第二雜湊資料是否相同以完成交割。In some embodiments, please refer to FIG. 1 , the offline transaction system 100 includes a first server 110 . The first server 110 is used for checking the offline transactions of the first transaction device 910 and the second transaction device 930 . In the offline stage, the first transaction device 910 inputs transaction data to generate a first transaction code, and the second transaction device 930 reads the transaction data and obtains the private key according to the first transaction code. In the offline stage, the second transaction device 930 generates the first hash data according to the transaction data and the private key of the completed transaction to provide the second transaction code to the first transaction device 910, and the first transaction device 910 according to the second transaction code to generate the second hash data. In the online stage, the first transaction device 910 and the second transaction device 930 update the first hash data and the second hash data to the first server 110 . The first server is used for receiving the first hash data and the second hash data, and is used for comparing whether the first hash data and the second hash data are the same to complete the delivery.

在一些實施例中，請參閱第1圖，第一交易裝置910及第二交易裝置930包含電腦、收銀機、自動櫃員機及手機至少其中一者。In some embodiments, please refer to FIG. 1 , the first transaction device 910 and the second transaction device 930 include at least one of a computer, a cash register, an automatic teller machine and a mobile phone.

在一些實施例中，請參閱第1圖，第一交易裝置910及第二交易裝置930交換第一交易碼及第二交易碼的方式包含藍芽、近距離無線通訊、紅外線及掃瞄條碼至少其中一者。In some embodiments, please refer to FIG. 1 , the first transaction device 910 and the second transaction device 930 exchange the first transaction code and the second transaction code in a manner including bluetooth, near field communication, infrared and scanning barcodes at least one of them.

在一些實施例中，第一交易碼及第二交易碼包含一維條碼及二維條碼。在一些實施例中，第一交易碼及第二交易碼為QR碼(Quick Response Code, QR碼)。In some embodiments, the first transaction code and the second transaction code include a one-dimensional barcode and a two-dimensional barcode. In some embodiments, the first transaction code and the second transaction code are QR codes (Quick Response Code, QR code).

在一些實施例中，請參閱第1圖，第二交易裝置930包含時間金鑰產生器及雜湊函數器(圖中未示)。時間金鑰產生器用以隨機產生私鑰。雜湊函數器加入私鑰至已完成交易的交易資料以產生第一雜湊資料。 In some embodiments, please refer to FIG. 1 , the second transaction device 930 includes a time key generator and a hash function (not shown in the figure). The time key generator is used to randomly generate the private key. The hash function adds the private key to the transaction data of the completed transaction to generate the first hash data.

在一些實施例中，請參閱第1圖，離線交易系統100中的伺服器110包含時間金鑰產生器111及雜湊函數器112。時間金鑰產生器111用以隨機產生私鑰並給予第一交易裝置910或第二交易裝置930。 In some embodiments, please refer to FIG. 1 , the server 110 in the offline transaction system 100 includes a time key generator 111 and a hash function generator 112 . The time key generator 111 is used for randomly generating a private key and giving it to the first transaction device 910 or the second transaction device 930 .

第2圖為根據本案一些實施例繪示的離線交易系統之電路方塊示意圖。在一些實施例中，如第2圖所示，相較於第1圖之離線交易系統100，離線交易系統100A包含第一伺服器110A及第二伺服器130A，於第2圖之實施例中，第一交易裝置910A之銀行端及第二交易裝置930A之銀行端不同，然而，第2圖之第一交易裝置910A及第二交易裝置930A於功能上與第1圖之第一交易裝置910及第二交易裝置930相同，為使本案說明書簡潔，其功能於此不作贅述。在一些實施例中，請參閱第2圖，第一伺服器110A為第一交易裝置910A之銀行端及第二伺服器130A為第二交易裝置930A之銀行端。 FIG. 2 is a schematic circuit block diagram of an offline transaction system according to some embodiments of the present application. In some embodiments, as shown in FIG. 2, compared to the offline transaction system 100 of FIG. 1, the offline transaction system 100A includes a first server 110A and a second server 130A. In the embodiment of FIG. 2 , the bank end of the first transaction device 910A and the bank end of the second transaction device 930A are different, however, the first transaction device 910A and the second transaction device 930A in FIG. 2 are functionally different from the first transaction device 910 in FIG. 1 It is the same as the second transaction device 930, and its functions are not repeated here for the sake of brevity of the description of the present application. In some embodiments, please refer to FIG. 2 , the first server 110A is the bank end of the first transaction device 910A and the second server 130A is the bank end of the second transaction device 930A.

在一些實施例中，請參閱第2圖，第一伺服器110A及第二伺服器130A包含軟體、韌體、硬體或前述之排列組合。舉例而言，第一伺服器110A及第二伺服器130A包含簡訊技術(Short Message Service,SMS)之後台、應用程式(Application,APP)之後台及通訊軟體(如line)之後台。In some embodiments, please refer to FIG. 2 , the first server 110A and the second server 130A include software, firmware, hardware, or a combination of the foregoing. For example, the first server 110A and the second server 130A include a short message technology (Short Message Service, SMS) background, an application (Application, APP) background, and a communication software (eg, line) background.

在一些實施例中，為使第1圖之離線交易系統100、或第2圖之離線交易系統100A的詳細元件運作易於理解，請一併參閱第3圖，第3圖為根據本案一些實施例繪示的離線交易方法之步驟示意圖。在一些實施例中，此離線交易方法300可由第1圖的離線交易系統100或由第2圖的離線交易系統100A所執行。In some embodiments, in order to make the operation of the detailed components of the offline transaction system 100 of FIG. 1 or the offline transaction system 100A of FIG. 2 easier to understand, please refer to FIG. 3 together, which is according to some embodiments of the present application A schematic diagram of the steps of the offline transaction method shown. In some embodiments, the offline transaction method 300 may be performed by the offline transaction system 100 of FIG. 1 or by the offline transaction system 100A of FIG. 2 .

於步驟310中，於離線階段藉由第一交易裝置輸入交易資料以產生第一交易碼。In step 310, the first transaction code is generated by inputting transaction data through the first transaction device in the offline phase.

在一些實施例中，請參閱第1圖及第3圖，當第一交易裝置910處於離線狀態時，藉由第一交易裝置910輸入交易資料以產生第一交易碼。在一些實施例中，藉由第一交易裝置910進行轉帳或支付。在一些實施例中，第一交易裝置910輸入的交易資料包含收款機構編號、收款帳號及交易金額。In some embodiments, please refer to FIG. 1 and FIG. 3 , when the first transaction device 910 is in an offline state, the first transaction device 910 inputs transaction data to generate the first transaction code. In some embodiments, the transfer or payment is made through the first transaction device 910 . In some embodiments, the transaction data input by the first transaction device 910 includes the collection institution number, the collection account number and the transaction amount.

於步驟320中，於離線階段藉由第二交易裝置根據第一交易碼讀取交易資料及獲得私鑰。In step 320, in the offline phase, the second transaction device reads the transaction data according to the first transaction code and obtains the private key.

在一些實施例中，請參閱第1圖及第3圖，當第二交易裝置930處於離線狀態時，藉由第二交易裝置930根據第一交易碼讀取交易資料及獲得私鑰。在一些實施例中，第二交易裝置930根據第一交易碼讀取的交易資料包含交易金額、付款機構編號、付款帳號。在一些實施例中，第二交易裝置930包含時間金鑰產生模組並隨機產生私鑰或由第二交易裝置930以離線方式向伺服器110申請私鑰。In some embodiments, please refer to FIG. 1 and FIG. 3 , when the second transaction device 930 is offline, the second transaction device 930 reads the transaction data and obtains the private key according to the first transaction code. In some embodiments, the transaction data read by the second transaction device 930 according to the first transaction code includes transaction amount, payment institution number, and payment account number. In some embodiments, the second transaction device 930 includes a time key generation module and randomly generates a private key or the second transaction device 930 applies for the private key from the server 110 in an offline manner.

於步驟330中，於離線階段藉由第二交易裝置根據已完成交易的交易資料及私鑰產生第一雜湊資料以提供第二交易碼給第一交易裝置。In step 330, in the offline phase, the second transaction device generates first hash data according to the transaction data and the private key of the completed transaction to provide the second transaction code to the first transaction device.

在一些實施例中，請參閱第1圖及第3圖，當第一交易裝置910及第二交易裝置930均處於離線狀態時，藉由第二交易裝置930根據已完成交易的交易資料及私鑰產生第一雜湊資料以提供第二交易碼給第一交易裝置910。在一些實施例中，第一雜湊資料包含付款機構編號、付款帳號、收款機構編號、收款帳號、交易金額、時間、私鑰及雜湊值。In some embodiments, please refer to FIG. 1 and FIG. 3, when both the first transaction device 910 and the second transaction device 930 are in an offline state, the second transaction device 930 uses the transaction data and private data of the completed transaction according to the The key generates the first hash data to provide the second transaction code to the first transaction device 910 . In some embodiments, the first hash data includes a payment institution number, a payment account number, a payment institution number, a payment institution number, a transaction amount, a time, a private key, and a hash value.

於步驟340中，於離線階段藉由第一交易裝置根據第二交易碼產生第二雜湊資料。In step 340, the second hash data is generated by the first transaction device according to the second transaction code in the offline phase.

在一些實施例中，請參閱第1圖及第3圖，當第一交易裝置910及第二交易裝置930均處於離線狀態時，由第一交易裝置910根據第二交易碼產生第二雜湊資料。在一些實施例中，第二雜湊資料包含付款機構編號、付款帳號、收款機構編號、收款帳號、交易金額、時間、私鑰及雜湊值。In some embodiments, please refer to FIG. 1 and FIG. 3 , when the first transaction device 910 and the second transaction device 930 are both offline, the first transaction device 910 generates the second hash data according to the second transaction code . In some embodiments, the second hash data includes the payment institution number, the payment account number, the payment institution number, the payment institution number, the transaction amount, the time, the private key and the hash value.

於步驟350中，於在線階段藉由第一伺服器根據第二雜湊資料進行交割請求。In step 350, the delivery request is performed by the first server according to the second hash data in the online stage.

在一些實施例中，請參閱第1圖及第3圖，當第一交易裝置910或第二交易裝置930恢復網路連線時，第一交易裝置910將第二雜湊資料更新至第一伺服器110及第二交易裝置930將第一雜湊資料更新至第一伺服器110。接著，第一伺服器110根據第二雜湊資料進行交割請求以完成實際款項交割。In some embodiments, please refer to FIG. 1 and FIG. 3, when the first transaction device 910 or the second transaction device 930 restores the network connection, the first transaction device 910 updates the second hash data to the first server The server 110 and the second transaction device 930 update the first hash data to the first server 110 . Next, the first server 110 makes a delivery request according to the second hash data to complete the actual payment.

於步驟360中，於在線階段藉由第一伺服器執行交割請求而比對第一雜湊資料及第二雜湊資料是否相同以進行交割。In step 360, in the online stage, the first server executes the delivery request to compare whether the first hash data and the second hash data are the same for delivery.

在一些實施例中，請參閱第2圖及第3圖，第二伺服器130A比對第一雜湊資料及第二雜湊資料是否相同以進行交割。在一些實施例中，第二伺服器130A根據第二雜湊資料比對來自於第一伺服器110A給予的第一雜湊資料，詳細比對相關資料(如時間、私鑰及雜湊值)是否相同。在一些實施例中，第二伺服器130A若判定第一雜湊資料及第二雜湊資料相同，則完成交割程序。在一些實施例中，第二伺服器130A若判定第一雜湊資料及第二雜湊資料不相同，則交割失敗。In some embodiments, please refer to FIG. 2 and FIG. 3 , the second server 130A compares whether the first hash data and the second hash data are the same for delivery. In some embodiments, the second server 130A compares the first hash data provided by the first server 110A according to the second hash data, and compares in detail whether relevant data (such as time, private key and hash value) are the same. In some embodiments, if the second server 130A determines that the first hash data and the second hash data are the same, the delivery process is completed. In some embodiments, if the second server 130A determines that the first hash data and the second hash data are different, the delivery fails.

需說明的是，相較於第1圖之離線交易系統100，第2圖之離線交易系統100A更包含及第二伺服器130A。在一些實施例中，於步驟350中，若離線交易方法300由第2圖的離線交易系統100A所執行，當第一交易裝置910A或第二交易裝置930A恢復網路連線時，第一交易裝置910A將第二雜湊資料更新至第一伺服器110A，而第二交易裝置930A將第一雜湊資料更新至第二伺服器130A。接著，第一伺服器110A根據第二雜湊資料向第二伺服器130A進行交割請求以完成實際款項交割。It should be noted that, compared with the offline transaction system 100 in FIG. 1 , the offline transaction system 100A in FIG. 2 further includes a second server 130A. In some embodiments, in step 350, if the offline transaction method 300 is executed by the offline transaction system 100A of FIG. 2, when the first transaction device 910A or the second transaction device 930A restores the network connection, the first transaction The device 910A updates the second hash data to the first server 110A, and the second transaction device 930A updates the first hash data to the second server 130A. Next, the first server 110A makes a delivery request to the second server 130A according to the second hash data to complete the actual payment.

在一些實施例中，於步驟360中，若離線交易方法300由第2圖的離線交易系統100A所執行，第二伺服器130A比對第一雜湊資料及第二雜湊資料是否相同以進行交割。在一些實施例中，第二伺服器130A根據第二雜湊資料比對來自於第一伺服器110A給予的第一雜湊資料，詳細比對相關資料(如時間、私鑰及雜湊值)是否相同。在一些實施例中，第二伺服器130A若判定第一雜湊資料及第二雜湊資料相同，則完成交割程序。在一些實施例中，第二伺服器130A若判定第一雜湊資料及第二雜湊資料不相同，則交割失敗。In some embodiments, in step 360 , if the offline transaction method 300 is executed by the offline transaction system 100A of FIG. 2 , the second server 130A compares whether the first hash data and the second hash data are the same for delivery. In some embodiments, the second server 130A compares the first hash data provided by the first server 110A according to the second hash data, and compares in detail whether relevant data (such as time, private key and hash value) are the same. In some embodiments, if the second server 130A determines that the first hash data and the second hash data are the same, the delivery process is completed. In some embodiments, if the second server 130A determines that the first hash data and the second hash data are different, the delivery fails.

在一些實施例中，藉由第一伺服器審核第一交易裝置及第二交易裝置之間的離線交易。在一些實施例中，請參閱第1圖及第3圖，藉由第一伺服器110審核第一交易裝置910之信用度及第二交易裝置930之信用度以進行第一交易裝置910及第二交易裝置930之間的離線交易。In some embodiments, offline transactions between the first transaction device and the second transaction device are audited by the first server. In some embodiments, please refer to FIG. 1 and FIG. 3 , the first server 110 checks the credit of the first transaction device 910 and the credit of the second transaction device 930 to conduct the first transaction device 910 and the second transaction Offline transactions between devices 930.

依據前述實施例可知，本案提供了一種離線交易方法及離線交易系統，藉以解決行動支付在無網路連線時失效的問題及幫助使用者在災害時也能藉由離線交易系統購買生活必需品。According to the foregoing embodiments, the present case provides an offline transaction method and an offline transaction system, so as to solve the problem that mobile payment fails when no internet connection is connected and help users to purchase daily necessities through the offline transaction system during disasters.

雖然本案以詳細之實施例揭露如上，然而本案並不排除其他可行之實施態樣。因此，本案之保護範圍當視後附之申請專利範圍所界定者為準，而非受於前述實施例之限制。Although this case is disclosed above with detailed embodiments, this case does not exclude other possible implementations. Therefore, the protection scope of this case should be determined by the scope of the appended patent application, rather than being limited by the foregoing embodiments.

對本領域技術人員而言，在不脫離本案之精神和範圍內，當可對本案作各種之更動與潤飾。基於前述實施例，所有對本案所作的更動與潤飾，亦涵蓋於本案之保護範圍內。For those skilled in the art, various changes and modifications can be made to this case without departing from the spirit and scope of this case. Based on the foregoing embodiments, all changes and modifications made to this case are also covered by the protection scope of this case.

100:離線交易系統 110:第一伺服器 111:時間金鑰產生器 112:雜湊函數器 910:第一交易裝置 930:第二交易裝置 100A:離線交易系統 110A:第一伺服器 130A:第二伺服器 910A:第一交易裝置 930A:第二交易裝置 300:方法 310~360:步驟 100: Offline Trading System 110: The first server 111: Time Key Generator 112: Hash Functions 910: The first transaction device 930: Second Trading Device 100A: Offline Trading System 110A: First server 130A: Second server 910A: First Transaction Device 930A: Second Transaction Device 300: Method 310~360: Steps

參照後續段落中的實施方式以及下列圖式，當可更佳地理解本案的內容： 第1圖為根據本案一些實施例繪示的離線交易系統之電路方塊示意圖； 第2圖為根據本案一些實施例繪示的離線交易系統之電路方塊示意圖；以及 第3圖為根據本案一些實施例繪示的離線交易方法之步驟示意圖。 The content of this case can be better understood with reference to the embodiments in the following paragraphs and the following drawings: FIG. 1 is a schematic circuit block diagram of an offline transaction system according to some embodiments of the present application; FIG. 2 is a schematic circuit block diagram of an offline transaction system according to some embodiments of the present application; and FIG. 3 is a schematic diagram of steps of an offline transaction method according to some embodiments of the present application.

國內寄存資訊(請依寄存機構、日期、號碼順序註記) 無 國外寄存資訊(請依寄存國家、機構、日期、號碼順序註記) 無 Domestic storage information (please note in the order of storage institution, date and number) without Foreign deposit information (please note in the order of deposit country, institution, date and number) without

100:離線交易系統 110:第一伺服器 111:時間金鑰產生器 112:雜湊函數器 910:第一交易裝置 930:第二交易裝置 100: Offline Trading System 110: The first server 111: Time Key Generator 112: Hash Functions 910: The first transaction device 930: Second Trading Device

Claims (10)

一種離線交易系統，包含：一第一伺服器，用以審核一第一交易裝置及一第二交易裝置的離線交易，其中於一離線階段藉由該第一交易裝置輸入一交易資料以產生一第一交易碼，並藉由該第二交易裝置根據該第一交易碼讀取該交易資料及獲得一私鑰，其中於該離線階段藉由該第二交易裝置根據已完成交易的該交易資料及該私鑰產生一第一雜湊資料以提供一第二交易碼給該第一交易裝置，並藉由該第一交易裝置根據該第二交易碼產生一第二雜湊資料，其中該第一雜湊資料及該第二雜湊資料皆包含一付款機構編號、一付款帳號、一收款機構編號、一收款帳號、一交易金額、一時間、一私鑰及一雜湊值；其中於一在線階段該第一交易裝置及該第二交易裝置更新該第一雜湊資料及該第二雜湊資料至該第一伺服器，其中該第一伺服器用以接收該第一雜湊資料及該第二雜湊資料，並用以比對該第一雜湊資料及該第二雜湊資料是否相同以完成交割。 An offline transaction system, comprising: a first server for reviewing offline transactions of a first transaction device and a second transaction device, wherein in an offline stage, a transaction data is input by the first transaction device to generate a a first transaction code, and the second transaction device reads the transaction data and obtains a private key according to the first transaction code, wherein in the offline stage, the second transaction device uses the transaction data of the completed transaction according to the transaction data and the private key to generate a first hash data to provide a second transaction code to the first transaction device, and generate a second hash data by the first transaction device according to the second transaction code, wherein the first hash Both the data and the second hash data include a payment institution number, a payment account number, a collection institution number, a payment account number, a transaction amount, a time, a private key, and a hash value; in an online phase, the the first transaction device and the second transaction device update the first hash data and the second hash data to the first server, wherein the first server is used for receiving the first hash data and the second hash data, And it is used to compare whether the first hash data and the second hash data are the same to complete the delivery. 如請求項1所述之離線交易系統，其中該第一交易裝置及該第二交易裝置之間交換該第一交易碼及該第二交易碼的方式包含藍芽、近距離無線通訊、紅外線及掃瞄條碼至少其中一者。 The offline transaction system as claimed in claim 1, wherein the methods of exchanging the first transaction code and the second transaction code between the first transaction device and the second transaction device include bluetooth, short-range wireless communication, infrared and Scan at least one of the barcodes. 如請求項1所述之離線交易系統，其中該第二交易裝置用以隨機產生該私鑰並加入該私鑰至已完成交易的該交易資料以產生該第一雜湊資料。 The offline transaction system of claim 1, wherein the second transaction device is used for randomly generating the private key and adding the private key to the transaction data of the completed transaction to generate the first hash data. 如請求項1所述之離線交易系統，其中該第一交易裝置及該第二交易裝置包含電腦、收銀機、自動櫃員機及手機至少其中一者。 The offline transaction system of claim 1, wherein the first transaction device and the second transaction device comprise at least one of a computer, a cash register, an automatic teller machine and a mobile phone. 如請求項1所述之離線交易系統，更包含：一第二伺服器，其中該第一伺服器為該第一交易裝置之銀行端，且該第二伺服器該第二交易裝置之銀行端。 The offline transaction system according to claim 1, further comprising: a second server, wherein the first server is the bank end of the first transaction device, and the second server is the bank end of the second transaction device . 一種離線交易方法，包含：於一離線階段藉由一第一交易裝置輸入一交易資料以產生一第一交易碼；於該離線階段藉由一第二交易裝置根據該第一交易碼讀取該交易資料及獲得一私鑰；於該離線階段藉由該第二交易裝置根據已完成交易的該交易資料及該私鑰產生一第一雜湊資料以提供一第二交易碼給該第一交易裝置；於該離線階段藉由一第一交易裝置根據該第二交易碼產生一第二雜湊資料，其中該第一雜湊資料及該第二雜湊資料皆包含一付款機構編號、一付款帳號、一收款機構編號、一收款帳號、一交易金額、一時間、一私鑰及一雜湊值； 藉由一第一伺服器根據該第二雜湊資料進行交割請求；以及藉由該第一伺服器執行該交割請求而比對該第一雜湊資料及該第二雜湊資料是否相同以進行交割。 An offline transaction method, comprising: in an offline stage, a first transaction device is used to input a transaction data to generate a first transaction code; in the offline stage, a second transaction device is used to read the first transaction code according to the first transaction code. transaction data and obtaining a private key; in the offline stage, the second transaction device generates a first hash data according to the transaction data and the private key of the completed transaction to provide a second transaction code to the first transaction device ; In the offline stage, a second hash data is generated by a first transaction device according to the second transaction code, wherein the first hash data and the second hash data both include a payment institution number, a payment account number, a receipt A payment institution number, a collection account number, a transaction amount, a time, a private key and a hash value; A first server performs a delivery request according to the second hash data; and the first server executes the delivery request to compare whether the first hash data and the second hash data are the same to perform delivery. 如請求項6所述之離線交易方法，其中於該離線階段藉由該第一交易裝置輸入該交易資料以產生該第一交易碼之步驟包含：藉由該第一交易裝置進行轉帳或支付。 The offline transaction method according to claim 6, wherein the step of inputting the transaction data through the first transaction device to generate the first transaction code in the offline stage comprises: transferring money or paying through the first transaction device. 如請求項6所述之離線交易方法，其中於該離線階段藉由該第二交易裝置根據該第一交易碼讀取該交易資料及獲得該私鑰之步驟包含：於該離線階段藉由該第二交易裝置隨機產生該私鑰或由該第二交易裝置向一第二伺服器申請該私鑰。 The offline transaction method according to claim 6, wherein the steps of reading the transaction data and obtaining the private key by the second transaction device according to the first transaction code in the offline stage include: in the offline stage, using the The second transaction device randomly generates the private key or the second transaction device applies for the private key from a second server. 如請求項6所述之離線交易方法，更包含：藉由該第一伺服器審核該第一交易裝置及該第二交易裝置之間的離線交易。 The offline transaction method according to claim 6, further comprising: reviewing the offline transaction between the first transaction device and the second transaction device by the first server. 如請求項6所述之離線交易方法，其中藉由該第一伺服器執行該交割請求而比對該第一雜湊資料及該第二雜湊資料是否相同以進行交割之步驟包含：若判定該第一雜湊資料及該第二雜湊資料相同，則完成 交割程序；以及若判定該第一雜湊資料及該第二雜湊資料不相同，則交割失敗。 The offline transaction method according to claim 6, wherein the step of comparing whether the first hash data and the second hash data are the same for delivery by executing the delivery request by the first server comprises: if it is determined that the first hash data is the same as the second hash data a hash data and the second hash data are the same, then complete delivery procedure; and if it is determined that the first hash data and the second hash data are not the same, the delivery fails.
TW109131577A 2020-09-14 2020-09-14 Offline transaction system and offline transaction method TWI758859B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
TW109131577A TWI758859B (en) 2020-09-14 2020-09-14 Offline transaction system and offline transaction method

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
TW109131577A TWI758859B (en) 2020-09-14 2020-09-14 Offline transaction system and offline transaction method

Publications (2)

Publication Number Publication Date
TW202211130A TW202211130A (en) 2022-03-16
TWI758859B true TWI758859B (en) 2022-03-21

Family

ID=81710747

Family Applications (1)

Application Number Title Priority Date Filing Date
TW109131577A TWI758859B (en) 2020-09-14 2020-09-14 Offline transaction system and offline transaction method

Country Status (1)

Country Link
TW (1) TWI758859B (en)

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TW201640423A (en) * 2015-04-30 2016-11-16 Alibaba Group Services Ltd Computerized system and method for offline identity authentication of a user cross-reference to related applications
TW201937425A (en) * 2018-02-28 2019-09-16 香港商阿里巴巴集團服務有限公司 Transaction processing method, server, client, and system
TW201946002A (en) * 2018-04-30 2019-12-01 全球智能股份有限公司 Method for managing financial account with pay-after characteristics and account management system
TW202004599A (en) * 2018-05-28 2020-01-16 香港商阿里巴巴集團服務有限公司 Mobile payment method and device and payment system
TW202022737A (en) * 2018-12-12 2020-06-16 大陸商中國銀聯股份有限公司 Nfc tag-based data processing method and system implementing same, and tag-based payee terminal
CN111639932A (en) * 2020-07-31 2020-09-08 支付宝(杭州)信息技术有限公司 Offline resource transfer method and device based on block chain
TWM607148U (en) * 2020-09-14 2021-02-01 華南商業銀行股份有限公司 Offline transaction system

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TW201640423A (en) * 2015-04-30 2016-11-16 Alibaba Group Services Ltd Computerized system and method for offline identity authentication of a user cross-reference to related applications
TW201937425A (en) * 2018-02-28 2019-09-16 香港商阿里巴巴集團服務有限公司 Transaction processing method, server, client, and system
TW201946002A (en) * 2018-04-30 2019-12-01 全球智能股份有限公司 Method for managing financial account with pay-after characteristics and account management system
TW202004599A (en) * 2018-05-28 2020-01-16 香港商阿里巴巴集團服務有限公司 Mobile payment method and device and payment system
TW202022737A (en) * 2018-12-12 2020-06-16 大陸商中國銀聯股份有限公司 Nfc tag-based data processing method and system implementing same, and tag-based payee terminal
CN111639932A (en) * 2020-07-31 2020-09-08 支付宝(杭州)信息技术有限公司 Offline resource transfer method and device based on block chain
TWM607148U (en) * 2020-09-14 2021-02-01 華南商業銀行股份有限公司 Offline transaction system

Also Published As

Publication number Publication date
TW202211130A (en) 2022-03-16

Similar Documents

Publication Publication Date Title
JP4511192B2 (en) Electronic transfer system
US7003497B2 (en) System and method for confirming electronic transactions
US20180330342A1 (en) Digital asset account management
US20100211503A1 (en) Double Verified Transaction Device and Method
JPWO2003065260A1 (en) Transaction method and automatic transaction apparatus for executing the transaction method
CN104933565A (en) IC card transaction method and IC card transaction system
JP2004199269A (en) Credit settlement system and method by portable terminal and credit settlement server and program
US10846681B2 (en) System and method for providing payment service
CN102236855A (en) Method and system for electronic transaction by using QR (Quick Response) codes
TWM607148U (en) Offline transaction system
TWI758859B (en) Offline transaction system and offline transaction method
TWI684945B (en) Point-to-point transfer system and method
CN112561533B (en) Electronic resource transfer method, internet of things terminal device, electronic device and medium
CN100595785C (en) Dynamic cipher operation method based on petty paying
TWM613295U (en) Mobile verification device with coded middle platform structure
TWM595269U (en) Cross-platform payment system
TWI818533B (en) Cross-border scan code payment method and system
CN105027150A (en) Method and apparatus for carrying out an electronic transaction
KR102235829B1 (en) System for identity card based game service connecting franchise and game ground
JP7338451B2 (en) trading system
EP2525317A1 (en) Method and apparatus for conducting a payment transaction
US20210090061A1 (en) Systems and methods for device-present electronic commerce transaction checkout
TWM649170U (en) transaction processing system
TWM648995U (en) Automated teller machine payment system
CN114529282A (en) Method and system for collecting money based on negative value digital currency