164results about How to "Ensure transaction security" patented technology

The invention discloses a virtual account convenient application system based on a mobile terminal and an achieving method thereof. The mobile terminal of a user serves as a carrier, and the mobile terminal is connected with a cash terminal and a reliable mobile service platform of a merchant through the internet or a communication network. Based on the binding relation of a cell phone account of the mobile terminal and a virtual account, the reliable mobile service platform utilizes cell phone hardware to serve as an important medium for identification to achieve a basis of identification verification and trading monitoring, and provides various consumption modes regarding mobile payment consumption movements of a series of virtual accounts for each user in various application places. With the development of popularization of intelligent cell phones and the mobile internet, by the adoption of the technical scheme of the virtual account convenient application system, transaction safety is ensured, manufacturing cost of a financial practical card is reduced, and abuse of a false card is thoroughly eradicated, operation cost of mobile payment is reduced, and safety and low cost of the virtual account convenient application system based on the mobile terminal further facilitate popularization.

The invention relates to a system for realizing electronic transaction risk control based on position scene identification. The system comprises a position scene identification-based security platform and an embedded security module, wherein the position scene identification-based security platform comprises a security interface sub-module, a positioning sub-module, a security control rule library, a security rule change sub-module, an electronic transaction risk judging sub-module and a security control weak rule generation sub-module, which are communicated with the embedded security module. The invention further relates to a method for realizing electronic transaction risk control based on position scene identification through the system. By adopting the system and the method for realizing electronic transaction risk control based on position scene identification, risk control over the electronic transactions of a user can be realized by providing positioning service and identifying a user position scene, so that the security of an electronic transaction process is enhanced, and losses caused by transaction security problems are reduced. The method is easy, convenient, and wider in application range.

The invention relates to the field of identification, and particularly relates to a method for carrying out electronic identity recognition by utilizing two-dimensional codes. The method is characterized in that at least one client terminal, a ticket reservation system, a ticket business server, a ticket business database, a ticket selling workstation, an electronic tag printer, an identity card reader, a ticket checking entrance, wireless radio-frequency equipment and an identity card database are adopted in the method, wherein the client terminal refers to a passenger, namely a person who needs to purchase a ticket for taking a bus and acquires a two-dimensional code electronic tag through intelligent terminal equipment during ticket purchasing; the ticket reservation system refers to a network ticket reservation system; and the ticket selling workstation refers to the existing station ticket window and various agent ticket offices. The method for fast and conveniently carrying out the electronic identity recognition, which is provided by the invention, mainly aims at overcoming the defects of the existing paper ticket and solving the problem of difficult queuing during the ticket purchasing and can reduce the labor intensity of ticket checking personnel, improve the incoming efficiency of the passengers and realize the high security and the high antifalsification through the uniqueness of a second-generation identity card.

The invention provides a method for key protection and a system for the key protection. The method for the key protection includes that a mobile terminal receives a registration instruction and generates a user public key and a user private key according to the registration instruction; when the mobile terminal is subjected to identification authentication by a mobile banking server and a bank comprehensive front server, the mobile banking server sends the user public key to a third-party e-commerce authentication server for certified signing so as to generate a user public key certificate and store the user public key certificate; the mobile banking server carries out an authentication process to encrypted user transaction information sent by the mobile terminal according to the user public key certificate, and when the authentication is passed, the bank comprehensive front server executes a transaction; and after the transaction is finished, the mobile terminal generates an updated private key protecting parameter and sends the updated private key protecting parameter to the mobile banking server, and then the mobile terminal receives an update success result from the mobile banking server and encrypts and stores the user private key according to the updated private key protecting parameter. The method for the key protection and the system for the key protection can increase attack difficulty and improve safety.

The invention discloses a near field communication payment method authenticated by both sides of the deal. The method includes steps that 1, a binding relationship of one-to-one and one-to-many of a cell phone number and a bank account is established; 2, identity authentication on both sides of the deal through a cell phone is performed when a near field communication deal is needed; 3, after authenticating, the payee inputs amount collected to the cell phone, submits a collection request to a deal server, and the deal server generates a trade order and sends the order number to the payee; 4, the payee chooses a payer to trade, and sends the order number to the payer by means of near field communication; 5, the payer downloads the order information from the deal server, identifies the order information, inputs a payment code to the cell phone, and submitting a payment request; 6, information verification is performed, the trade is carried on when the verification is successful, otherwise, the trade is not carried on. The method of identity authentication is high in safety and reliability and easy to achieve based on the uniqueness of the cell phone number and background server.

The invention discloses a data reconciliation method and system and a computer readable storage medium. The method comprises the following steps: when a preset filed switching time arrives, a main transaction node sends block chain trading information to a block chain to trigger a reconciliation logic smart contract; the reconciliation logic smart contract searches a reconciliation data smart contract corresponding to filed switching codes according to the filed switching codes in the block chain trading information; and the reconciliation logic smart contract extracts data from the reconciliation data smart contract and carries out data reconciliation. Data reconciliation safety and efficiency are improved.

The invention provides an information interaction method and system and smart key equipment. The information interaction method comprises the steps that a terminal generates and displays transaction order data and generates and issues a transaction request; a server receives the transaction request and generates transaction data; the server and the smart key equipment conduct session key negotiation operation, and a first session key and a second session key are generated respectively; the server uses the first session key to encrypt the transaction data, generates the encrypted transaction data and sends the encrypted transaction data to the terminal; the terminal receives the encrypted transaction data and sends the encrypted transaction data to the smart key equipment; the smart key equipment uses the second session key for decryption to obtain the transaction data, processes the transaction data, obtains second transaction key information and sends the second transaction key information to the terminal; the terminal displays the second transaction key information, generates a confirmation information after obtaining confirmation instruction and sends the confirmation information to the smart key equipment; the smart key equipment sends encrypted signature data to the terminal, and the terminals receives the encrypted signature data and sends the encrypted signature data to the server; the server uses the first session key to decrypt the encrypted signature data, obtains the signature data and conducts attestation operation.

The invention discloses a payment method based on a socializing platform and belongs to the field of electronic commerce. The payment method based on the socializing platform is characterized in that when a user needs to pay, the user informs a payment module by an instruction. The payment module is connected with a trading system (a banking system or other payment systems) and a relative request is treated. The user needs to own an account of the socializing system and an account where money can be deducted (a bank car, a pre-payment car, a virtual account and the like). Two accounts are related and the account of the socializing platform and the account where money is deducted do not need opening on the same socializing platform or the same institution. In purchasing financial management products, directional payment is used, namely, cash is transferred from one account of the user to the other account. In purchasing, information of financial management products, a purchasing cash amount or portion and the like need inputting. A socializing identification (ID) of the opposite side and a transferring cash amount are input to finish cash transferring. In credit card repayment, an abbreviated account of the credit card is input to inquire an account and repayment. In paying fees, fee paying information is input to pay the fees. All communication is done with codes so as to ensure safety of trading.

The invention provides an energy source local area network energy storage system automatic demand response method based on a block chain technology. The method comprises the following steps of obtaining state information of the energy storage system connected into an energy source local area network; building an energy storage system charging and discharging model; building an electric automobileschedulable capability comprehensive evaluation system; using a real-time electricity price mechanism; setting charging and discharging electricity price orienting electric automobile users; finally developing a decentered automatic demand response criterion on the basis of the block chain technology; building an intelligent contract between two trading parties. By aiming at the energy source local area networks comprising an electric automobile cluster, a wind light power generation system and an energy storage battery, a distributive node network for charging and discharging by the user is built by the invention for pursuing point-to-point direct trading of mass users; reasonable configuration of inside resources of the system is realized; the autonomous supply and demand balance state is achieved.

The invention provides a payment account secure transaction method and system which improve the transaction security of a payment account through multiple protection means and will not leak the real information of users. The invention adopts the following technical scheme: a user applies for a payment account, an authentication node performs feature extraction on the user's personal information, after checking, the user is added to the payment account transaction block chain node and constrained by the intelligent contract, according to the specific process of payment account transaction, theuser pays or accepts the virtual currency, transmits the virtual currency through ring signature encryption, and extracts the real currency through the clearing node. A credit rating block chain nodeis set to monitor and manage account credit ratings of users and user transactions, if a first violation of a user account during a transaction is monitored, then, the transaction operation of the user account is restricted, and if the second violation behavior of the user transaction object account in the transaction process is monitored, the transaction operation of the user transaction object account is restricted, and other nodes in the block chain are informed of the above-mentioned dishonest behavior in a manner that the true information of the user and the user transaction object is notdisclosed.

The invention discloses an edge-cloud collaborative user load prediction control and transaction system and an implementation method thereof; the edge-cloud collaborative user load prediction controland transaction system comprises a cloud, an edge and a client, and the edge comprises a block chain metering communication settlement terminal, a programmable block chain gateway, a terminal controlmodule and a terminal metering module; the cloud comprises a communication and data interface module, a database module, a data center module, a prediction module, a scheduling response module, a coordination control module, a transaction module and an automatic settlement module; the Client comprises an intelligent terminal module. Interaction with the dispatching module on the power grid side and the electricity market transaction module on the transaction side can be achieved, power grid dispatching instruction response and electricity market transaction are supported, and the power grid issupported to master the accurate user system energy consumption condition. By converting a user system into predictable and controllable resources, power grid dispatching and user instructions can beaccurately and automatically responded. And the edge side block chain records the charging period to guarantee data security, and the smart contract transaction automation is realized.

The invention discloses a multi-round voting type fault-tolerant sorting consensus mechanism and method based on a block chain. The mechanism comprises service nodes in the consensus and accounting process. Transaction initiation and sorting are carried out through the service nodes, legal transactions are obtained and then put into a transaction pool for transaction, and then multiple rounds of voting consensus is entered; multiple rounds of consensus verification and execution is performed on the transaction data through the service node in the voting consensus; and after the consensus is completed, the multichannel account book of the block chain is synchronously updated and accounted, the transaction with successful consensus is sent to the sorting node to sort out the block, the received block transaction is verified by the accounting node, the state database of the block transaction is updated after verification, a new block is added to the main chain, and then a new round of consensus verification and execution work is entered. According to the mechanism and method, achievement of global correct consensus can be guaranteed, fault tolerance is high, and the mechanism and methodare suitable for alliance chains with a large number of nodes. When a large number of verification nodes fail, the system stops working, so that the security of the blockchain is better guaranteed,and the double-fault problem is prevented.

The embodiment of the invention provides a mobile payment method and system based on two-dimension codes. The method mainly comprises the steps of generating a two-dimension code slip according to bill information of a user and bank account information of a merchant, printing the two-dimension code slip to obtain a paper two-dimension code slip or providing the two-dimension code slip of an electronic edition to a mobile terminal of the user, utilizing a two-dimension code processing service application in the mobile terminal to scan and analyze the paper two-dimension code slip or analyze the two-dimension code slip of the electronic edition to obtain the bill information of the user and the bank account information of the merchant, and utilizing a mobile payment service application in the mobile terminal to pay money corresponding to the bill information to a band account of the merchant after the bill information of the user is confirmed. The mobile payment method and system based on the two-dimension codes enables the two-dimension code technology and the mobile payment technology to be combined and has the characteristics of short time and short reach, and therefore transaction security of the whole system is guaranteed. The user operation process is simple, and convenience of mobile payment is improved.

The invention discloses a method and a system for preventing repeated payment, and belongs to the technical field of blockchain. The method comprises the steps of: S1, sending a transaction: the transaction with a valid period is sent to a node of any blockchain network; S2, verifying the transaction: whether the transaction is valid is verified by the node; S3, processing the transaction: a transaction which is verified successfully is put into a pool of nodes and waits to be processed into a valid transaction or an invalid transaction; and S4, determining whether the transaction is valid: ifthe transaction is integrated into a block within the valid period, the transaction is valid and the transaction ends; and if the transaction has expired in the pool of nodes, the transaction is invalid, then S1 to S4 is repeated and the transaction does not end until the transaction is valid. The invention further includes a system, a device, and a storage medium. Specific to a case that repeated payment existing in an existing transaction mechanism, repeated payment can be prevented, so as to speed up effective time for a transaction and maintain stability of the blockchain system.

The invention provides an E-bank safety certification method based on living fingerprint verification. According to the E-bank safety certification method based on living fingerprint verification, an E-bank terminal Ukey and an E-bank background identity authentication database are involved. A fingerprint collecting and identifying module, a body temperature sensor, a pulse sensor, a heart rate sensor and an information feature value extracting module are set in the E-bank terminal Ukey. A fingerprint information feature value comparison processing module is arranged in the E-bank background identity authentication database and is used for comparing the fingerprint feature value, extracted by the E-bank terminal Ukey, of a user with the fingerprint feature value, matched with the E-bank terminal Ukey and stored in the database, of the user in real time so that whether the user is an authorized user or not can be judged. By the adoption of the E-bank safety certification method based on living fingerprint verification, whether the user of the E-bank is a specific user of a corresponding account can be accurately determined, and operation safety of the E-bank and the security of the fund of the user are guaranteed.

The invention discloses a security payment system based on a wearable device and relates to the field of wearable equipment and mobile payment. The security payment system comprises a wearable device and a smart phone. The wearable device comprises a master control module, a NFC payment module, a sensor module, a wearable device Bluetooth module, and a power module. The smart phone comprises an application processing module, a phone Bluetooth module, and a safety input module. A user may flexibly activate or inactivate the mobile payment NFC function of the wearable device, may add a personal ID authentication process to guarantee transaction safety. The process that the user activates or inactivates the mobile payment NFC function of the wearable device is transferred via a Bluetooth protocol and an encryption mechanism strategy is used in Bluetooth transmission in order to guarantee that a user-set process is safe, reliable, and unduplicable. The invention discloses a payment method of the security payment system based on the wearable device.

The invention discloses mobile information safety equipment. The equipment is arranged in an SIM (subscriber identity module) card of a mobile terminal and comprises a Bluetooth chip, a state secret chip and an acceleration sensor, wherein the Bluetooth chip is in data communication with a Bluetooth part in the mobile terminal; a Bluetooth communication channel of the equipment is provided; the state secret chip is in data communication with the mobile terminal through the Bluetooth communication channel; the acceleration sensor is used for controlling starting, stopping and operation confirmation of the state secret chip; the state secret chip is in data communication with an SIM chip through an interface and is communicated with an NFC (near field communication) module of the mobile terminal through an SWP (single wire protocol) interface; and an NFC communication channel of the equipment is provided. The invention also discloses a working method of the mobile information safety equipment. The mobile information safety equipment is mainly used for the field of mobile payment, is not required to be externally connected with equipment during payment, is safe and reliable and is convenient to use.

The invention provides a multi-modal USB (Universal Serial Bus) key authentication method based on a face recognition technology. According to the method, a web bank terminal USB key and a web bank background identity authentication database are used; a face collection and recognition module, a body temperature sensor, a pulse sensor, a heart rate sensor and an information feature value extracting module are arranged in the web bank terminal USB key; and a face information feature value comparison and processing module is arranged in the web bank background identity authentication database and is used for carrying out real-time comparison on a face feature value, extracted by the web bank terminal USB key, of a user and a face feature value, matched with the web bank terminal USB key and stored in the database, of the user, so that whether the user is a permission user or not is judged. The authentication method has the advantages that whether a web bank user is a specified user of a corresponding account or not can be accurately determined, and the operation safety of the web bank and the fund security of the user can be guaranteed.

The invention provides a double dynamic password implementation method. Steps comprises that a user can preinstall a trade identifying code in a internet bank system before using the internet bank, wherein the trade identifying code is defined by the user; the user can login the internet bank system through the internet, the internet bank system sends a dynamic login password to the user after the internet bank receives a login requirement and the user inputs the received dynamic login password to the internet bank system though the internet; the internet bank system jumps out to prompt after the trade identifying password is inerrable, prompt content is the trade identifying code, wherein the trade identifying code is preinstalled by the user and the user click and confirm after the user check the trade identifying code inerrably; the internet bank system sends a dynamic trade password to the user after the internet bank system receives the information of confirming the trade identifying code; the user input the received dynamic trade password to the internet bank system through the internet and the user can login a internet bank transactional interface to trade successfully.

The invention provides an information processing method and system based on a two-dimensional code. The two-dimensional code-based information processing method includes: a. acquiring information, encrypting information, generating electronic coupons, and distributing electronic coupons; b. identifying electronic coupon information, and generating the identified information Two-dimensional code; c. Scanning the two-dimensional code and sending the scanned information; d. Decoding and checking the information received from step c, and sending the checking result; e. Processing according to the checking result. The two-dimensional code-based information processing system includes an electronic coupon processing module, a conversion module, a scanning processing module, a management background and a merchant terminal, which are sequentially connected, and the electronic coupon processing module is connected to the management background. The two-dimension code-based information processing method and system provided by the present invention have the advantages of facilitating the transaction security of merchants and consumers and facilitating the identification of coupon information.

The invention provides an information interaction method and system and smart key equipment. The information interaction method comprises the steps that a server and the smart key equipment conduct session key negotiation operation, if the session key negotiation operation is successfully conducted, a first session key is generated by the server, a second session key is generated by the smart key equipment, and the first session key and the second session key are a key pair; the server uses the first session key to encrypt transaction data, generates the encrypted transaction data and sends the encrypted transaction data to a terminal; the terminal receives the encrypted transaction data and sends the encrypted transaction data to the smart key equipment; the smart key equipment receives the encrypted transaction data, uses the second session key for decrypting the encrypted transaction data, obtains the transaction data, processes the transaction data, obtains transaction key information and sends the transaction key information to the terminal; the terminal receives and displays the transaction key information, generates confirmation information after obtaining a confirmation instruction and sends the confirmation information to the smart key equipment.

This invention relates to a system and a method for information collection, transmission and process based on the short message of a cell phone to constitute a unified standard electronic trade system based on short messages of cell phones. Since this invented system and method transmits the bank account numbers and codes in the system by different routes and they cannot be interrupted on a same route at the same time, the bank account information of the user can be guaranteed safely.

The invention provides an ordering processing method for mobile Internet online payment. According to the method, a payment plug-in is embedded in a merchant mobile platform; the merchant mobile platform is connected with a merchant service system, and the payment plug-in is connected with a plug-in background system. The merchant service system is a merchant background order processing system and is used for processing orders. The plug-in background system is an order processing system of a payment mechanism and comprises a payment front-end system, an order processing system body and a payment processing system. Order information needs to pass the merchant service system and then be transmitted to the order processing system of the background system, the order information can be transmitted back to the merchant service system after the order processing system generates order feature codes, and finally payment operation is carried out on a foreground by transmitting the order feature codes only. According to the ordering processing method, the order feature codes are used as confirmation factors, the possibilities of leakage of the order information and order phishing can be avoided, and safety of the order information can be guaranteed.