Back to results
US 8,510,228 B2Granted
Transfer method of electronic cash
AssigneeChina Unionpay Co., Ltd.
InventorsZhi jun Lu, Shuo He, Hongwen Meng
Life of this patent
Estimating the term…
Abstract
A card to card transfer method used in the financial system is provided in the present invention, and comprises an initializing step, a transferring step and a transaction confirming step, wherein the initializing step includes the steps of calculating and obtaining the public key certificate and checking the amount of the transaction and so on, and the transferring step includes the steps of performing the transaction and so on. The present invention can achieve the function of transferring the electronic cash between two cards and can prevent the risk of repeatedly transferring the money into the card for transfer-in by using the card for transfer-out and so on.
Claims13
A data processing method of electronic cash transfer transaction, characterized in that said method comprises the following steps:
- a card for transfer-out generates a first digital signature based on the information provided by a card for transfer-in, and the card for transfer-in generates a second digital signature based on the information provided by the card for transfer-out and sends the second digital signature to the card for transfer-out via a terminal;
- the card for transfer-out verifies the second digital signature, and executes a transfer-out operation if it is right;
- the card for transfer-out generates a first transaction validation code associated with the card for transfer-in and sends the first digital signature and the first transaction validation code to the card for transfer-in via the terminal;
- the card for transfer-in verifies the first digital signature, and executes a transfer-in operation if it is right;
- and
- the card for transfer-in generates a second transaction validation code associated with the card for transfer-out and sends the second transaction validation code to the card for transfer-out via the terminal, to confirm that the transfer transaction is successful;
- wherein the card for transfer-out and the card for transfer-in verifies the second and the first digital signature by using the public key certificate of the card for transfer-in and the public key certificate of the card for transfer-out respectively, and wherein the card for transfer-out obtains the public key certificate of the card for transfer-in according to the following steps:
- obtaining a card-issuing bank public key certificate of the card for transfer-in based on the CA public key certificate internally stored in the card for transfer-out;
- and
- obtaining the public key certificate of the card for transfer-in by using the obtained card-issuing bank public key certificate of the card for transfer-in.
7 more elements
A data processing method of electronic cash transfer transaction, characterized in that said method comprises the following steps:
- a card for transfer-out generates a first digital signature based on the information provided by a card for transfer-in, and the card for transfer-in generates a second digital signature based on the information provided by the card for transfer-out and sends the second digital signature to the card for transfer-out via a terminal;
- the card for transfer-out verifies the second digital signature, and executes a transfer-out operation if it is right;
- the card for transfer-out generates a first transaction validation code associated with the card for transfer-in and sends the first digital signature and the first transaction validation code to the card for transfer-in via the terminal;
- the card for transfer-in verifies the first digital signature, and executes a transfer-in operation if it is right;
- and
- the card for transfer-in generates a second transaction validation code associated with the card for transfer-out and sends the second transaction validation code to the card for transfer-out via the terminal, to confirm that the transfer transaction is successful;
- wherein the card for transfer-out and the card for transfer-in verifies the second and the first digital signature by using the public key certificate of the card for transfer-in and the public key certificate of the card for transfer-out respectively and wherein the card for transfer-in obtains the public key certificate of the card for transfer-in according to the following steps:
- obtaining a card-issuing bank public key certificate of the card for transfer-out based on the CA public key certificate internally stored in the card for transfer-in;
- and
- obtaining the public key certificate of the card for transfer-out by using the obtained card-issuing bank public key certificate of the card for transfer-out.
7 more elements
A data processing method of electronic cash transfer transaction, characterized in that said method comprises the following steps:
- a card for transfer-out generates a first digital signature based on the information provided by a card for transfer-in, and the card for transfer-in generates a second digital signature based on the information provided by the card for transfer-out and sends the second digital signature to the card for transfer-out via a terminal;
- the card for transfer-out verifies the second digital signature, and executes a transfer-out operation if it is right;
- the card for transfer-out generates a first transaction validation code associated with the card for transfer-in and sends the first digital signature and the first transaction validation code to the card for transfer-in via the terminal;
- the card for transfer-in verifies the first digital signature, and executes a transfer-in operation if it is right;
- and
- the card for transfer-in generates a second transaction validation code associated with the card for transfer-out and sends the second transaction validation code to the card for transfer-out via the terminal, to confirm that the transfer transaction is successful, wherein the card for transfer-out generates the first transaction validation code according to the following steps:
- based on a value-added digital signature list provided by the card for transfer-in, generating the first transaction validation code by using the symmetric key algorithm,
- wherein the card for transfer-in generates the second transaction validation code according to the following steps:
- based on a value-reduced digital signature list provided by the card for transfer-out, generating the second transaction validation code by using the symmetric key algorithm.
6 more elements
Dependencies are inferred from the claim text.