A safe operation method for off-line electronic money payment

Abstract

The invention discloses a safe operation method for offline electronic money payment, and belongs to the technical field of network security. The invention includes: the bank server initializes system parameters, the user terminal interacts with the bank server to establish an account; the user terminal uses the zero-knowledge proof protocol to prove the identity and withdraw money; during the transaction, the collection and payment user end uses the zero-knowledge proof protocol again to protect privacy. The payment process is completed in the way of payment; after receiving the electronic currency evidence, the receiving client can anonymously interact with the bank server through the randomization protocol, exchange electronic currency or deposit the currency in the bank. The invention is suitable for the mobile e-commerce environment with weak network signal, and has the advantages of protecting the privacy of users on both sides of the payment and the payment, satisfying the free control of electronic money by the receiving user, perfectly simulating real money, and realizing privacy and balance. And can not get rid of the crime, to ensure the security of e-commerce payment.

Description

technical field [0001] The invention belongs to the technical field of network security, and in particular relates to a safe operation method for off-line electronic money payment in mobile e-commerce. Background technique [0002] In recent years, due to the popularity of mobile devices such as smart phones and tablet computers and the development of 3G and 4G networks, mobile e-commerce has risen rapidly and shown an explosive development momentum. But in today's increasingly serious network security threats, the security of mobile e-commerce has become an important issue that cannot be ignored. Due to the insecurity of wireless network architecture, mobile e-commerce has more threats than traditional e-commerce. Therefore, how to allow users to safely use mobile devices for electronic payment has become an urgent problem to be solved. Currently the three most common mobile payment modes are credit cards, e-wallets and mobile payments. However, these payment methods hav...

AI Technical Summary

Problems solved by technology

[0005] (1) The convenience for merchants to control the received electronic money is poor, that is, the merchant can only deposit the received electronic money into the bank through the operation of the deposit agreement with the bank, and then withdraw the received electronic money through the operation of the withdrawal agreement with the bank. Generated electronic currency for governing use;

[0006] (2) Although technologies such as blind signature and zero-knowledge proof have realized the privacy protection of customers, they cannot protect the privacy of merchants, because purely using zero-knowledge proofs cannot realize the privacy protection of merchants, that is, when customers pay electronic money to merchants, The merchant's identity information can be obtained directly, which leads to the merchant's identity information being disclosed to customers and banks, which brings great potential risks and threats to the merchant

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