CN113011874A - Transaction method and device based on electronic card and controller - Google Patents

Transaction method and device based on electronic card and controller Download PDF

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Publication number
CN113011874A
CN113011874A CN202110192780.4A CN202110192780A CN113011874A CN 113011874 A CN113011874 A CN 113011874A CN 202110192780 A CN202110192780 A CN 202110192780A CN 113011874 A CN113011874 A CN 113011874A
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key
electronic card
sub
user side
number file
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杨柯
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Beijing Zhongxin Yinbaotong Payment Service Co ltd
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Beijing Zhongxin Yinbaotong Payment Service Co ltd
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    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409Device specific authentication in transaction processing
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/08Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0816Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
    • H04L9/0819Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s)
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/08Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0816Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
    • H04L9/085Secret sharing or secret splitting, e.g. threshold schemes
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56Financial cryptography, e.g. electronic payment or e-cash

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  • Computer Security & Cryptography (AREA)
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  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
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  • Theoretical Computer Science (AREA)
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  • Signal Processing (AREA)
  • Storage Device Security (AREA)

Abstract

本发明涉及一种基于电子卡的交易方法、装置和一种控制器,所述一种基于电子卡的交易方法,包括:获取电子卡信息;对电子卡信息进行加密,生成加密编号文件;将原始密钥进行拆分,得到拆分后的多个子密钥;将所述加密编号文件和拆分后的多个子密钥通过多个途径发送给用户端,以使用户根据多个途径获取到的子密钥,对所述加密编号文件进行解密,得到电子卡信息,并利用电子卡信息进行交易。本发明所述的方法通过将电子卡信息进行加密,并对密钥进行拆分,并将拆分后的多个子密钥通过多途径发送给用户端,增加电子卡信息的安全性和保密性,本发明所述方法能够避免用户产生财产损失,有利于提高用户体验。

Figure 202110192780

The invention relates to an electronic card-based transaction method, device and controller. The electronic card-based transaction method includes: acquiring electronic card information; encrypting the electronic card information to generate an encrypted numbered file; The original key is split to obtain multiple split sub-keys; the encrypted numbered file and the split multiple sub-keys are sent to the user through multiple channels, so that the user can obtain the to decrypt the encrypted numbered file, obtain the electronic card information, and use the electronic card information to conduct transactions. The method of the present invention increases the security and confidentiality of the electronic card information by encrypting the electronic card information, splitting the key, and sending the split sub-keys to the user through multiple channels , the method of the present invention can avoid the user's property loss, and is beneficial to improve the user experience.

Figure 202110192780

Description

Transaction method and device based on electronic card and controller
Technical Field
The invention relates to the technical field of electronic transaction, in particular to a transaction method and device based on an electronic card and a controller.
Background
With the development of science and technology, electronic cards are more and more commonly used, and many accounts can be charged or online payments can be paid by directly using the electronic card, which is usually a character string of about 20 bits and formed by mixing and combining alphanumeric and English letters, such as the electronic card in the east of Beijing. The electronic card can directly replace the functions of bank card account numbers and passwords.
In the actual transaction process, the electronic card is generally directly sent to the user through a mobile phone short message or a mailbox plaintext, and the user can directly use the electronic card to pay. When a user receives the information of the electronic card, if the electronic card is acquired by other people before payment, funds can be directly used, and loss is caused; for example, the electronic card information of the user is obtained by stealing the mailbox, the mobile phone virus software and other means. Therefore, the prior art has the problems of confidentiality, safety and the like on the electronic card information, and the user experience is influenced.
Disclosure of Invention
In view of the above, the present invention provides a transaction method, a transaction device and a controller based on an electronic card, which overcome the disadvantages of the prior art.
In order to achieve the purpose, the invention adopts the following technical scheme: an electronic card based transaction method comprising:
obtaining electronic card information;
encrypting the electronic card information to generate an encrypted serial number file;
splitting an original key to obtain a plurality of split sub-keys;
and sending the encrypted serial number file and the split sub-keys to a user side through multiple ways, so that the user decrypts the encrypted serial number file according to the sub-keys obtained through the multiple ways to obtain electronic card information, and performing transaction by using the electronic card information.
Optionally, the splitting the key to obtain multiple split sub-keys includes:
and splitting the key according to preset regulations to obtain a plurality of split sub-keys.
Optionally, the split multiple sub-keys include: a sub-key A and a sub-key B;
the sending the encrypted serial number file and the split sub-keys to the user side through multiple ways includes:
sending the encrypted serial number file and the split sub-key A to a user side through a short message server;
and sending the encrypted serial number file and the split sub-key B to a user side through a mailbox server.
Optionally, the sending the encrypted serial number file and the split sub-key a to the user side through the short message server includes:
verifying the authenticity and the validity of the mobile phone number of the user side;
after the verification is passed, the encrypted serial number file and the split sub-key A are sent to a user side through a short message server; otherwise, the short message is not sent to the user side.
Optionally, the sending the encrypted serial number file and the split sub-key B to the user side through a mailbox server includes:
verifying authenticity and validity of a mailbox number of a user side;
after the verification is passed, the encrypted serial number file and the split sub-key B are sent to the user side through a mailbox server; otherwise, no mail is sent to the user terminal.
Optionally, the decrypting the encrypted serial number file according to the sub-keys obtained through multiple ways includes:
combining the plurality of sub-keys according to the preset specification to generate an original key;
and decrypting the encrypted number file by using the original key.
The invention also provides a transaction device based on the electronic card, which comprises:
the acquisition module is used for acquiring the information of the electronic card;
the encryption module is used for encrypting the electronic card information to generate an encryption serial number file;
the splitting module is used for splitting the original key to obtain a plurality of split sub-keys;
and the sending module is used for sending the encrypted serial number file and the split sub-keys to a user side through a plurality of ways so that the user can decrypt the encrypted serial number file according to the sub-keys obtained through the plurality of ways to obtain electronic card information and trade by utilizing the electronic card information.
Optionally, the sending module includes: a short message server and a mail box server; the split plurality of subkeys comprise: a sub-key A and a sub-key B;
the short message server is used for verifying the authenticity and the validity of the mobile phone number of the user side, and after the verification is passed, the encrypted serial number file and the split sub-secret key A are sent to the user side in a short message mode;
and the mailbox server is used for verifying the authenticity and the validity of the mailbox number of the user side and sending the encrypted number file and the split sub-key B to the user side in a mail form after the verification is passed.
The present invention also provides a controller for performing the electronic card based transaction method of any of the preceding claims.
The invention adopts the technical scheme that the transaction method based on the electronic card comprises the following steps: obtaining electronic card information; encrypting the electronic card information to generate an encrypted serial number file; splitting an original key to obtain a plurality of split sub-keys; and sending the encrypted serial number file and the split sub-keys to a user side through multiple ways, so that the user decrypts the encrypted serial number file according to the sub-keys obtained through the multiple ways to obtain electronic card information, and performing transaction by using the electronic card information. The method of the invention increases the security and confidentiality of the electronic card information by encrypting the electronic card information, splitting the key and sending the split sub-keys to the user side in multiple ways.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic flow chart diagram illustrating an electronic card based transaction method according to an embodiment of the present invention;
FIG. 2 is a schematic diagram illustrating the principles of an electronic card based transaction method according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of an electronic card based transaction apparatus according to an embodiment of the present invention.
In the figure: 1. an acquisition module; 2. an encryption module; 3. splitting the module; 4. and a sending module.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be described in detail below. It is to be understood that the described embodiments are merely exemplary of the invention, and not restrictive of the full scope of the invention. All other embodiments, which can be derived by a person skilled in the art from the examples given herein without any inventive step, are within the scope of the present invention.
FIG. 1 is a flow chart illustrating a transaction method based on an electronic card according to an embodiment of the present invention.
As shown in fig. 1, the electronic card-based transaction method according to the embodiment includes:
s11: obtaining electronic card information;
the electronic card information refers to a character string formed by mixing and combining multi-digit numbers and English letters and symbols.
S12: encrypting the electronic card information to generate an encrypted serial number file;
the encryption method used in this step can be referred to in the encryption manner in the prior art, and is not described herein again.
S13: splitting an original key to obtain a plurality of split sub-keys;
further, the splitting the key to obtain multiple split sub-keys includes:
and splitting the key according to preset regulations to obtain a plurality of split sub-keys.
S14: and sending the encrypted serial number file and the split sub-keys to a user side through multiple ways, so that the user decrypts the encrypted serial number file according to the sub-keys obtained through the multiple ways to obtain electronic card information, and performing transaction by using the electronic card information.
Further, the split plurality of sub-keys include: a sub-key A and a sub-key B;
the sending the encrypted serial number file and the split sub-keys to the user side through multiple ways includes:
sending the encrypted serial number file and the split sub-key A to a user side through a short message server;
and sending the encrypted serial number file and the split sub-key B to a user side through a mailbox server.
Further, the sending the encrypted serial number file and the split sub-key a to the user side through the short message server includes:
verifying the authenticity and the validity of the mobile phone number of the user side;
after the verification is passed, the encrypted serial number file and the split sub-key A are sent to a user side through a short message server; otherwise, the short message is not sent to the user side.
Further, the sending the encrypted serial number file and the split sub-key B to the user side through the mailbox server includes:
verifying authenticity and validity of a mailbox number of a user side;
after the verification is passed, the encrypted serial number file and the split sub-key B are sent to the user side through a mailbox server; otherwise, no mail is sent to the user terminal.
Further, the decrypting the encrypted serial number file according to the sub-keys obtained through multiple ways includes:
combining the plurality of sub-keys according to the preset specification to generate an original key;
and decrypting the encrypted number file by using the original key.
It should be noted that the electronic card based transaction method described in fig. 1 is described with a server as an implementation subject.
As shown in fig. 2, in actual use, a user may first send a request for obtaining electronic card information to a server, after receiving the request, the server verifies authenticity and validity of a mobile phone and a mailbox of the user, then obtains corresponding electronic card information, encrypts the electronic card information, generates an encrypted number file, splits an original key to obtain a plurality of split sub-keys, and sends the encrypted number file and the plurality of split sub-keys to a user side through a plurality of ways, so that the user decrypts the encrypted number file according to the sub-keys obtained through the plurality of ways to obtain the electronic card information, and performs a transaction by using the electronic card information.
It should be noted that, after the server generates the encrypted serial number file, the file may also be compressed, and then the encrypted compressed serial number file and the plurality of sub-keys are correspondingly sent to the user side through a plurality of ways, so as to reduce the amount of data transmitted.
It can be understood that, the sending the encrypted number file and the split multiple sub-keys to the user end through multiple ways includes:
sending the encrypted serial number file and the split sub-key A to a user side through a short message server;
and sending the encrypted serial number file and the split sub-key B to a user side through a mailbox server.
The process may also be:
sending the encrypted serial number file and the split sub-key A to a user side through a short message server;
and sending the split sub-key B to the user side through a mailbox server.
Or the following steps:
sending the split sub-key A to a user side through a short message server;
and sending the encrypted serial number file and the split sub-key B to a user side through a mailbox server.
The technical scheme protected by the invention is that the user terminal can obtain the encrypted serial number file and all the split sub-keys.
In addition, the method of the invention is also suitable for a user side pickup code acquisition method in the industries of express delivery and the like, for example, a pickup code required for flash delivery is divided into two parts, wherein one part of the pickup code '123456' is sent to a user mobile phone, the other part of the pickup code '456' is sent to a user mailbox, and after the user receives the two parts of the pickup codes, the two parts are combined according to a preset rule to obtain an original pickup code for transaction. In the process, a process of encrypting the original pick-up code can also be added.
The method of the invention increases the security and confidentiality of the electronic card information by encrypting the electronic card information, splitting the key and sending the split sub-keys to the user side in multiple ways.
FIG. 3 is a schematic diagram of an electronic card based transaction apparatus according to an embodiment of the present invention.
As shown in fig. 3, the electronic card based transaction apparatus according to the embodiment includes:
the acquisition module 1 is used for acquiring electronic card information;
the encryption module 2 is used for encrypting the electronic card information to generate an encryption serial number file;
the splitting module 3 is used for splitting the original key to obtain a plurality of split sub-keys;
and the sending module 4 is used for sending the encrypted serial number file and the split plurality of sub-keys to a user side through a plurality of ways, so that the user can decrypt the encrypted serial number file according to the sub-keys obtained through the plurality of ways to obtain electronic card information, and transactions are carried out by utilizing the electronic card information.
Further, the sending module 4 includes: a short message server and a mail box server; the split plurality of subkeys comprise: a sub-key A and a sub-key B;
the short message server is used for verifying the authenticity and the validity of the mobile phone number of the user side, and after the verification is passed, the encrypted serial number file and the split sub-secret key A are sent to the user side in a short message mode;
and the mailbox server is used for verifying the authenticity and the validity of the mailbox number of the user side and sending the encrypted number file and the split sub-key B to the user side in a mail form after the verification is passed.
The working principle of the transaction device based on the electronic card in this embodiment is the same as that of the transaction method based on the electronic card in fig. 1 or fig. 2, and the description thereof is omitted.
The present invention also provides a controller for executing the electronic card based transaction method of fig. 1 or 2.
It is understood that the same or similar parts in the above embodiments may be mutually referred to, and the same or similar parts in other embodiments may be referred to for the content which is not described in detail in some embodiments.
It should be noted that the terms "first," "second," and the like in the description of the present invention are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. Further, in the description of the present invention, the meaning of "a plurality" means at least two unless otherwise specified.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and alternate implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.
It should be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present invention may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc.
In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made to the above embodiments by those of ordinary skill in the art within the scope of the present invention.

Claims (9)

1. An electronic card based transaction method, comprising:
obtaining electronic card information;
encrypting the electronic card information to generate an encrypted serial number file;
splitting an original key to obtain a plurality of split sub-keys;
and sending the encrypted serial number file and the split sub-keys to a user side through multiple ways, so that the user decrypts the encrypted serial number file according to the sub-keys obtained through the multiple ways to obtain electronic card information, and performing transaction by using the electronic card information.
2. The transaction method according to claim 1, wherein the splitting the key to obtain a plurality of split sub-keys comprises:
and splitting the key according to preset regulations to obtain a plurality of split sub-keys.
3. The transaction method of claim 1, wherein the split plurality of subkeys comprises: a sub-key A and a sub-key B;
the sending the encrypted serial number file and the split sub-keys to the user side through multiple ways includes:
sending the encrypted serial number file and the split sub-key A to a user side through a short message server;
and sending the encrypted serial number file and the split sub-key B to a user side through a mailbox server.
4. The transaction method according to claim 3, wherein the sending the encrypted serial number file and the split sub-key A to the user side through a short message server comprises:
verifying the authenticity and the validity of the mobile phone number of the user side;
after the verification is passed, the encrypted serial number file and the split sub-key A are sent to a user side through a short message server; otherwise, the short message is not sent to the user side.
5. The transaction method according to claim 3, wherein the sending the encrypted number file and the split sub-key B to the user side through a mailbox server comprises:
verifying authenticity and validity of a mailbox number of a user side;
after the verification is passed, the encrypted serial number file and the split sub-key B are sent to the user side through a mailbox server; otherwise, no mail is sent to the user terminal.
6. The transaction method according to any one of claims 2 to 5, wherein the decrypting the encrypted number file according to the subkeys obtained in a plurality of ways includes:
combining the plurality of sub-keys according to the preset specification to generate an original key;
and decrypting the encrypted number file by using the original key.
7. An electronic card based transaction device, comprising:
the acquisition module is used for acquiring the information of the electronic card;
the encryption module is used for encrypting the electronic card information to generate an encryption serial number file;
the splitting module is used for splitting the original key to obtain a plurality of split sub-keys;
and the sending module is used for sending the encrypted serial number file and the split sub-keys to a user side through a plurality of ways so that the user can decrypt the encrypted serial number file according to the sub-keys obtained through the plurality of ways to obtain electronic card information and trade by utilizing the electronic card information.
8. The transaction arrangement of claim 7, wherein the sending module comprises: a short message server and a mail box server; the split plurality of subkeys comprise: a sub-key A and a sub-key B;
the short message server is used for verifying the authenticity and the validity of the mobile phone number of the user side, and after the verification is passed, the encrypted serial number file and the split sub-secret key A are sent to the user side in a short message mode;
and the mailbox server is used for verifying the authenticity and the validity of the mailbox number of the user side and sending the encrypted number file and the split sub-key B to the user side in a mail form after the verification is passed.
9. A controller for performing the electronic card based transaction method of any one of claims 1 to 6.
CN202110192780.4A 2021-02-20 2021-02-20 Transaction method and device based on electronic card and controller Pending CN113011874A (en)

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* Cited by examiner, † Cited by third party
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CN116248257A (en) * 2022-09-09 2023-06-09 南方电网数字电网研究院有限公司 PMU communication access control system
CN116248257B (en) * 2022-09-09 2026-03-24 南方电网数字电网研究院股份有限公司 PMU Communication Access Control System

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Application publication date: 20210622