Digital currency transaction method based on guardian and payment hardware

Abstract

The present invention proposes a digital currency transaction method based on guardians and payment hardware. This method adds a guardian mechanism to the digital currency transaction process. All transaction contents must be confirmed by the guardian before they can continue. The guardian mechanism can provide an additional protection mechanism for the ward. In addition, the present invention stores both encrypted digital currency and payment keys in the ward's payment hardware. The payment hardware only outputs encrypted data, ensuring the security of the payment key and digital currency. The present invention sets up a proxy client for the ward to conduct transactions, which can interact with the trader in various ways and save trader information, thereby improving the convenience of the transaction and enhancing the security of the transaction. The present invention sets up a confidentiality mechanism in each transmission link of the digital currency transaction, so that the digital currency is always in an encrypted state during the transmission process, further improving the security of the transaction.

Description

Technical Field

[0001] The present invention relates to the technical field of digital currency transactions, and in particular to a digital currency transaction method based on a guardian and payment hardware. Background Art

[0002] Digital currency is a virtual currency generated by the People's Bank of China, which authorizes commercial banks to regulate digital currency transactions.

[0003] The transaction of digital currency is different from that of physical currency and is more complicated to operate. It usually requires the use of a smart terminal with a digital wallet app installed to complete the transaction.

[0004] However, digital currency holders, such as the elderly and children, may not be able to operate smart terminals to conduct digital currency transactions. These individuals may have limited learning and acceptance skills and lack familiarity with the operation of smart terminals, making them vulnerable to losing their digital currency due to misuse of the smart terminal or improper operation. Therefore, when these individuals conduct digital currency transactions, a guardian is required to monitor the entire transaction process to ensure their rights and interests are not harmed. However, current digital currency trading methods lack such a guardianship mechanism. Summary of the Invention

[0005] Purpose of the invention: To overcome the shortcomings of the prior art, the present invention proposes a digital currency transaction method based on a guardian and payment hardware, comprising the following steps:

[0006] (1) The guardian and the ward go through registration procedures at the same commercial bank. The guardian installs the commercial bank's digital wallet app on the smart terminal and registers his or her digital wallet account information through the registration mechanism. The ward registers his or her identity information at the commercial bank and uploads his or her payment key and digital currency to the commercial bank. The commercial bank issues payment hardware to the ward and encrypts the ward's digital currency with the payment key. The encrypted digital currency and payment key are stored together in the payment hardware. The payment hardware also has a readable hardware code.

[0007] (2) Setting up a proxy client, which enables confidential communication between the proxy client and the commercial bank through an identity authentication mechanism based on digital certificates;

[0008] (3) When the ward participates in a transaction, the transaction steps are as follows:

[0009] (31) If the ward is the payer, the ward inserts the payment hardware into the corresponding interface on the proxy client.

[0010] The transaction content is input into the proxy client; the proxy client inputs the transaction content into the payment hardware, and the payment hardware signs the transaction content to be sent, the encrypted digital currency, and the payment hardware code, and then generates a random number, uses the random number to encrypt the data and signature to be sent, and then uses the public key of the payer's commercial bank's certificate to encrypt the random number, and finally sends the two encrypted data to the payer's commercial bank through the proxy client; after receiving the two encrypted data, the payer's commercial bank first decrypts the random number with the payer's commercial bank's certificate private key, and then uses the random number to decrypt the data and signature to be sent by the proxy client, and after verifying the signature, trusts the decrypted data; the payer's commercial bank finds the digital wallet account information of the ward based on the payment hardware code, and feeds back the transaction content to the guardian through the digital wallet APP; after the guardian confirms the transaction content through the digital wallet APP, the payer's commercial bank sends the digital currency and transaction content to the People's Bank of China; after the People's Bank of China verifies the digital currency, it sends the transaction content and digital currency to the payee through the payee's commercial bank;

[0011] (32) If the guardian is the payee, the payee's commercial bank receives the transaction content and digital currency from the People's Bank of China, and feeds back the transaction content to the payee's guardian through the digital wallet APP. After the guardian confirms, the payee's commercial bank encrypts the digital currency with the payment key registered by the guardian and sends it together with the transaction content to the payee's agent client. The payee's agent client displays the transaction content to the guardian. After the guardian confirms the transaction content, the payee's agent client stores the encrypted digital currency in the guardian's payment hardware.

[0012] Furthermore, confidential communication is achieved between the guardian's smart terminal and the corresponding commercial bank through an identity authentication mechanism based on a digital certificate.

[0013] Specifically, the identity authentication mechanism is an HTTPS identity authentication mechanism.

[0014] Specifically, the payment hardware includes: a key card or an IC card.

[0015] Furthermore, the proxy client also has a camera function, which collects user images and voice while the user is operating, and sends the collected video data to the commercial bank. When the commercial bank confirms the transaction content with the guardian, it sends the video data to the guardian to enable the guardian to confirm the identity of the ward.

[0016] Furthermore, the proxy client also has a voice recognition and conversion function, that is, it can recognize the information input by the user's voice and can feedback the information to the user in the form of voice.

[0017] Furthermore, the proxy client also has the functions of handwriting input and gesture input.

[0018] Furthermore, the proxy client can collect and save the biometric information and payment hardware information of the trader. Once a transaction anomaly occurs, a post-audit can be performed based on the saved biometric information and payment hardware information of the trader.

[0019] Beneficial effects: Compared with the prior art, the present invention has the following advantages:

[0020] The present invention adds a guardian mechanism to the digital currency transaction process to ensure the authenticity and reliability of the transaction, and can provide an additional protection mechanism for the elderly and children;

[0021] The present invention stores both encrypted digital currency and payment keys in the guardian's payment hardware. The payment hardware only outputs the encrypted data, not the payment keys and digital currency separately, thus ensuring the security of the payment keys and digital currency.

[0022] The present invention provides a proxy client for the ward to conduct transactions. The proxy client can interact with the trader through voice, video, gestures, etc., and can also save the trader's voice, video, gestures and other biometric information and payment hardware information, which not only improves the convenience of transactions but also enhances the security of transactions.

[0023] The present invention sets a confidentiality mechanism in each transmission link of digital currency transactions, so that the digital currency is always in an encrypted state during the transmission process, further improving the security of the transaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] Figure 1 This is a flow chart of Example 1;

[0025] Figure 2 This is a flow chart of Example 2;

[0026] Figure 3 This is a flow chart of Example 3. DETAILED DESCRIPTION

[0027] The present invention will be further described below with reference to the accompanying drawings and specific embodiments. However, it should be understood that the present invention may be implemented in various forms, and the following exemplary and non-limiting embodiments shown in the drawings and described below are not intended to limit the present invention to the specific embodiments described.

[0028] It should be understood that, where technically feasible, the technical features listed above for different embodiments may be combined with each other to form additional embodiments within the scope of the present invention. In addition, the specific examples and embodiments described in the present invention are non-limiting, and the structures, steps, and sequences described above may be modified accordingly without departing from the scope of protection of the present invention.

[0029] This invention proposes a digital currency transaction method based on guardianship and payment hardware. The following three specific embodiments further illustrate the technical solution of the invention. In the following embodiments, the guardian and the ward have previously completed registration procedures at the same commercial bank. The guardian installs the commercial bank's digital wallet app on a smart terminal, registers their digital wallet account information and sets a digital currency encryption key through a registration mechanism; the ward registers their identity information at the commercial bank and uploads digital currency; the commercial bank issues payment hardware to the ward, encrypts the ward's digital currency with the encryption key set by the guardian, and then stores the encrypted digital currency and commercial bank information in the payment hardware. The payment hardware also has a readable hardware code.

[0030] The proxy client and guardian smart terminal respectively achieve confidential communication with the commercial bank through the HTTPS identity authentication mechanism based on digital certificates.

[0031] The proxy client features a video camera, capturing the user's image and voice during operations. This video data is then transmitted to the commercial bank, which then sends the video data to the guardian when confirming the transaction details. This allows the guardian to verify the ward's identity. The proxy client also features voice recognition and conversion, recognizing user voice input and providing feedback via voice. It also supports handwriting and gesture input. While interacting with traders via voice, video, and gestures, the proxy client can store biometric information, including voice, video, and gestures, as well as payment hardware information. This stored information can be used for post-audits in the event of any transaction anomalies, enhancing transaction security.

[0032] The payment hardware can be a hardware security module such as a key card or an IC card. The payment hardware can be installed on objects such as bracelets, watches, badges, rings, earrings, glasses, hairpins, necklaces, brooches, badges, tie clips, belts, shoes, headphones, wristbands, elbow pads, knee pads, hats, headbands, capes, vests, crutches, backpacks, handbags, etc.

[0033] Example 1:

[0034] In this embodiment, the payer is the guardian and needs to conduct transactions through the proxy client. The payee conducts transactions through the smart terminal installed with the digital wallet APP. The transaction process is as follows: Figure 1 As shown, the following steps are included:

[0035] Step 1: The payer inserts the payment hardware into the reading interface of the proxy client and enters the transaction content into the proxy client;

[0036] Step 2: The proxy client enters the transaction details into the payment hardware. The payment hardware signs the transaction details, encrypted digital currency, and payment hardware code. It then generates a random number, uses the random number to encrypt the data and signature to be sent, and then encrypts the random number using the payer's commercial bank's certificate public key. Finally, the two encrypted data are sent to the payer's commercial bank through the proxy client. The transaction details include the transaction amount, payee identity information, and payee commercial bank information.

[0037] Step 3: After receiving the two encrypted data, the payer's commercial bank first uses the payer's commercial bank's certificate private key to decrypt the random number, then uses the random number to decrypt the data and signature to be sent by the proxy client. After verifying the signature, the decrypted data is trusted.

[0038] The payer's commercial bank finds the payer's guardian's digital wallet account information based on the payment hardware code and feeds the transaction details back to the payer's guardian terminal through the digital wallet app;

[0039] Step 4: The payer's guardian confirms the transaction details through the digital wallet app and sends the decryption key to the payer's commercial bank;

[0040] Step 5: The payer's commercial bank decrypts the digital currency with the decryption key and sends the digital currency and transaction details to the People's Bank of China;

[0041] Step 6: After verifying the digital currency, the People's Bank of China sends the transaction details and digital currency to the recipient's commercial bank;

[0042] Step 7: The payee's commercial bank records the transaction details and sends the transaction details and digital currency to the payee;

[0043] Step 8: After the payee confirms the transaction, the digital currency is stored and the confirmation information is fed back to the payee's commercial bank;

[0044] Step 9. The payee's commercial bank feeds back confirmation information to the People's Bank of China. The People's Bank of China then feeds back the confirmation information to the payer's guardian through the digital wallet app through the payer's commercial bank, and feeds it back to the payer through the agent client.

[0045] Example 2:

[0046] In this embodiment, the payer conducts the transaction through a smart terminal with a digital wallet APP installed. The payee is the guardian and needs to conduct the transaction through an agent client. The transaction process is as follows: Figure 2 As shown, the following steps are included:

[0047] Step 1: The payer sends the transaction details and digital currency to the payer's commercial bank. After verifying the payer's identity, the payer's commercial bank sends the transaction details and digital currency to the People's Bank of China. The transaction details include: payee's identity information, transaction amount, payee's commercial bank information, and payee's payment hardware code.

[0048] Step 2: After verifying the authenticity of the digital currency, the People's Bank of China will send the transaction details and digital currency to the beneficiary commercial bank based on the beneficiary commercial bank information in the transaction content;

[0049] Step 3: The beneficiary commercial bank finds the guardian's account information stored in its bank based on the transaction content and feeds the transaction details back to the guardian via the digital wallet app installed on the guardian's smart terminal;

[0050] Step 4: After the guardian confirms the transaction content, he / she sends an encryption key to the recipient's commercial bank through the digital wallet app;

[0051] Step 5: After the payee's commercial bank encrypts the digital currency with the encryption key, it encrypts the encrypted digital currency and transaction details with the payee's certificate public key and sends them to the proxy client;

[0052] Step 6: The proxy client sends the data to the payee's payment hardware. The payee's payment hardware decrypts the received data using the payee's certificate private key, deposits the encrypted digital currency into the payee's payment hardware, and sends the transaction details to the proxy client, which displays them to the payee through the proxy client.

[0053] Step 7: The beneficiary sends a confirmation message to the beneficiary's commercial bank through the proxy client. The beneficiary's commercial bank records the transaction and sends the confirmation message to the People's Bank of China.

[0054] Step 8. The People's Bank of China sends a confirmation message to the payer's commercial bank;

[0055] Step 9: The payer's commercial bank records the transaction process and then sends a confirmation message to the payer's proxy client. Step 10: The payer's proxy client feeds back the confirmation information to the payer.

[0056] Example 3:

[0057] In this embodiment, both the payer and the payee are wards and both need to conduct transactions through the proxy client. The transaction process is as follows: Figure 3 As shown, the following steps are included:

[0058] Step 1: The payer inserts the payment hardware into the reading interface of the proxy client and enters the transaction content into the proxy client;

[0059] Step 2: The proxy client enters the transaction details into the payment hardware. The payment hardware signs the transaction details, encrypted digital currency, and payment hardware code. It then generates a random number, uses the random number to encrypt the data and signature to be sent, and then encrypts the random number using the payer's commercial bank's certificate public key. Finally, the two encrypted data are sent to the payer's commercial bank through the proxy client. The transaction details include the transaction amount, payee identity information, payee commercial bank information, and the payee's payment hardware code.

[0060] Step 3: After receiving the two encrypted data, the payer's commercial bank first uses the payer's commercial bank's certificate private key to decrypt the random number, then uses the random number to decrypt the data and signature to be sent by the proxy client. After verifying the signature, the decrypted data is trusted.

[0061] The payer's commercial bank finds the guardian's digital wallet account information based on the payment hardware code and feeds the transaction details back to the payer's guardian through the digital wallet app;

[0062] Step 4: The payer's guardian confirms the transaction details through the digital wallet app and sends the decryption key to the payer's commercial bank;

[0063] Step 5: The payer's commercial bank decrypts the digital currency with the decryption key and sends the digital currency and transaction details to the People's Bank of China;

[0064] Step 6: After verifying the digital currency, the People's Bank of China sends the transaction details and digital currency to the recipient's commercial bank;

[0065] Step 7: The beneficiary's commercial bank finds the beneficiary's guardian's account information stored in the bank based on the transaction details and feeds the transaction details back to the beneficiary's guardian via the digital wallet app;

[0066] Step 8: After the beneficiary's guardian confirms the transaction details, they send an encryption key to the beneficiary's commercial bank via the digital wallet app;

[0067] Step 9: After the payee's commercial bank encrypts the digital currency with the encryption key, it encrypts the encrypted digital currency and transaction details with the payee's certificate public key and sends them to the payee's proxy client;

[0068] Step 10: The payee's proxy client sends the data to the payee's payment hardware. The payee's payment hardware decrypts the received data using the payee's certificate private key, deposits the encrypted digital currency into the payee's payment hardware, and sends the transaction details to the proxy client, which displays them to the payee through the proxy client.

[0069] Step 11: The payee sends a confirmation message to the payee's commercial bank through the payee's proxy client. The payee's commercial bank records the transaction and sends the confirmation message to the People's Bank of China.

[0070] Step 12: The People's Bank of China sends a confirmation message to the payer's commercial bank;

[0071] Step 13: The payer's commercial bank records the transaction process and then sends a confirmation message to the payer's agent client;

[0072] Step 14: The payer's agent client feeds back the confirmation information to the payer.

[0073] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A digital currency transaction method based on guardians and payment hardware, characterized in that: The following steps are involved: (1) The guardian and the ward go through the registration procedures at the same commercial bank. The guardian installs the commercial bank's digital wallet app on the smart terminal and registers his or her digital wallet account information through the registration mechanism; The ward registers his / her identity information at a commercial bank and uploads his / her payment key and digital currency to the commercial bank. The commercial bank then issues payment hardware to the ward, which includes a key card or IC card. The payment hardware encrypts the ward's digital currency with the payment key and stores the encrypted digital currency and payment key together in the payment hardware. The payment hardware also has a readable hardware code. (2) Setting up a proxy client, which enables confidential communication between the proxy client and the commercial bank through an identity authentication mechanism based on digital certificates; (3) When the ward participates in a transaction, the transaction steps are as follows: (31) If the guardian is the payer, the guardian inserts the payment hardware into the corresponding interface on the proxy client. And enter the transaction content into the proxy client; The proxy client inputs the transaction content into the payment hardware. The payment hardware signs the transaction content, encrypted digital currency, and payment hardware code to be sent. It then generates a random number, uses the random number to encrypt the data and signature to be sent, and then encrypts the random number with the public key of the payer's commercial bank certificate. Finally, the two encrypted data are sent to the payer's commercial bank through the proxy client. After receiving the two encrypted data, the payer's commercial bank first uses the payer's commercial bank certificate private key to decrypt the random number, then uses the random number to decrypt the data and signature to be sent by the proxy client, verifies the signature, and trusts the decrypted data; The payer's commercial bank finds the guardian's digital wallet account information based on the payment hardware code and feeds the transaction details to the guardian via the digital wallet app. After the guardian confirms the transaction details via the digital wallet app, the payer's commercial bank sends the digital currency and transaction details to the People's Bank of China. After the People's Bank of China verifies the digital currency, it sends the transaction details and digital currency to the payee via the payee's commercial bank. (32) If the guardian is the payee, the payee's commercial bank receives the transaction content and digital currency from the People's Bank of China, and feeds back the transaction content to the payee's guardian through the digital wallet APP. After the guardian confirms, the payee's commercial bank encrypts the digital currency with the payment key registered by the guardian and sends it together with the transaction content to the payee's agent client. The payee's agent client displays the transaction content to the guardian. After the guardian confirms the transaction content, the payee's agent client stores the encrypted digital currency in the guardian's payment hardware.

2. The digital currency transaction method based on guardian and payment hardware according to claim 1, characterized in that: The guardian's smart terminal and the corresponding commercial bank also achieve confidential communication through an identity authentication mechanism based on digital certificates.

3. The digital currency transaction method based on guardian and payment hardware according to claim 2, characterized in that: The identity authentication mechanism is the HTTPS identity authentication mechanism.

4. The digital currency transaction method based on guardian and payment hardware according to claim 1, characterized in that: The proxy client also has a camera function. While the user is operating, it collects the user's image and voice, and sends the collected video data to the commercial bank. When the commercial bank confirms the transaction content with the guardian, it sends the video data to the guardian to enable the guardian to confirm the identity of the ward.

5. The digital currency transaction method based on guardian and payment hardware according to claim 1, characterized in that: The proxy client also has voice recognition and conversion functions, that is, it can recognize information input by user voice and can feedback information to the user in the form of voice.

6. The digital currency transaction method based on guardian and payment hardware according to claim 5, characterized in that: The proxy client also has the functions of handwriting input and gesture input.

7. The digital currency transaction method based on guardian and payment hardware according to claim 6, characterized in that: The proxy client can collect and save the biometric information and payment hardware information of the trader. Once a transaction anomaly occurs, a post-audit can be performed based on the saved biometric information and payment hardware information of the trader.

Images