TWI695614B - Method for digital currency transaction with authorization of multiple private key - Google Patents

Abstract

The present invention relates to a transaction method of digital currency, comprising the following steps: user information is provided to three terminals, and the terminals will generate a set of a public key and a private key respectively; subsequently, every terminal obtains a transaction public key by combining three public keys, and the transaction public key is set to require two or more electronic signatures corresponding to the private keys to transfer the digital currency; then verification information is provided and compared to match the user information, such that one of the terminals obtains two or more electronic signatures. ; finally, the digital currency is transferred according to the transaction public key together with two or more electronic signatures. By doing so, the electronic signatures corresponding to the private keys need to be obtained from at least two terminals to transfer the digital currency of the transaction public key. So, even a theft steals one of the private keys, the theft still can not transfer the digital currency by the stolen private key.

Description

Multi-key authorized digital currency transaction method

The present invention relates to a digital currency transaction method that can reduce the theft of digital assets, in particular to a digital currency transaction method that requires more than two electronic signatures to transfer digital currency.

With the advancement of technology, many transaction and payment methods have been gradually replaced by integrated circuit (IC) cards. The internal memory of the IC card can store cardholder information, which is widely used in various occasions. Among them, such as withdrawal cards, financial cards, credit cards, telephone cards, stored value cards, etc. are currently common IC cards, and generally used IC cards can be roughly divided into contact interfaces, according to the method of storing and reading data. There are three types of non-contact interface and composite interface.

Taking a financial card with credit card and debit card functions as an example, before using a financial card to conduct transactions or services through an ATM, the ATM requires the cardholder to enter a preset password to obtain the right to use the financial card. Therefore, even if the financial card is lost or stolen, the non-original cardholder cannot steal cash through the ATM because he does not know the preset password. However, the ATM only determines whether to withdraw cash based on the preset password , And the ATM cannot determine whether the financial card is the correct original cardholder, and the non-original cardholder knows the preset password, the ATM will still make cash withdrawals to allow the non-original cardholder to steal cash And, when the cardholder uses the financial card for consumption, the cardholder will be required to sign the name of the cardholder on the transaction document, and then when the financial card is lost or stolen, it is easy to be counterfeited by the non-original cardholder Or stolen and caused property damage.

In addition, with the rapid development of wireless transmission technology, some ICs use wireless radio frequency (RFID/Radio-frequency identification) wireless transmission technology, and this wireless radio frequency technology is most commonly used in consumer transactions with small amounts, such as Taking public transportation such as bus and MRT, however, in order to pursue speed and convenience, this small amount of consumption will not be required to enter a password or sign the name of the cardholder during the transaction, so as long as wireless sensing is used If the IC card used for consumption is lost or stolen, the non-original cardholder who picked up the IC card can directly proceed with the transaction until the IC card is deactivated or the internally stored amount is consumed.

In addition, for the speed and convenience of IC cards used in the access control system, as long as the correct IC card is held, they can smoothly enter and exit the area with access control. Therefore, when the IC used in the access control system is lost or stolen Non-original cardholders who pick up IC cards can also directly enter and exit access control areas through the picked up IC cards.

As can be seen from the foregoing description, as long as the current common IC card is lost and picked up by the non-original card holder, the non-original card holder can steal digital assets through the picked up IC card, thereby causing financial loss to the original card holder.

The main purpose of the present invention is that it is necessary to obtain more than two electronic signatures to transfer digital currency, and then even if a stolen person steals one of the keys, the stolen person still cannot transfer the digital currency through the stolen key, resulting in It can prevent digital currency from being stolen.

In order to achieve the aforementioned object, the present invention relates to a multi-key authorized digital currency transaction method, which includes the following steps: a public key establishment step: providing user information indicating the identity of the user, and a first terminal and a second terminal And a third terminal respectively form a key corresponding to a set of public keys of the user profile, so that the first terminal has a first key and a first public key, and the second terminal has a second secret Key and a second public key, the third terminal has a third key and a third public key; a transaction public key creation step: the first terminal, the second terminal, and the third terminal obtain a pass The transaction public key generated by the combination of the first public key, the second public key, and the third public key, the transaction public key can be based on a first electronic signature corresponding to the first key, and a corresponding second secret Two or more of the second electronic signature of the key and a third electronic signature corresponding to the above-mentioned third key to authorize the transfer of digital currency; a key verification step: provide verification information with user's personal data , And verify that the verification information is consistent with the user information. When the verification information matches the user information, one of the first terminal, the second terminal, and the third terminal has the first electronic signature, the second Two or more of the electronic signature and the third electronic signature; and a currency transfer step: forming a transaction information, and the first electronic signature, the second electronic signature and the third electronic signature of the above three Two or more of them can authorize the transaction public key to transfer the digital currency of the transaction public key according to the transaction information.

In a preferred embodiment, in the public key establishment step, the user information is transferred to the first terminal, the second terminal, and the third terminal, and the first terminal, the second terminal, and the third terminal are After receiving the user information, the first terminal, the second terminal, and the third terminal each form the set of public keys and keys.

However, in the step of establishing the transaction public key, the first terminal obtains the second public key and the third public key, so that the first terminal has the first public key, the second public key, and the third public key, and The first terminal combines the first public key, the second public key, and the third public key to generate the transaction public key, and transmits the transaction public key to the second terminal and the third terminal.

In another preferred embodiment, in the public key establishment step, the first terminal, the second terminal, and the third terminal each have at least one set of initial public keys that have not been set, and the initial public key The key is set to be converted into the public key and key according to the user information.

However, in the step of establishing the transaction public key, the first terminal, the second terminal, and the third terminal each obtain the first public key, the second public key, and the third public key, while the first terminal, the second terminal Combine the first public key, the second public key, and the third public key with the third terminal to form the transaction public key.

In the foregoing two embodiments, the multi-key authorized digital currency transaction method further includes: a public key re-establishment step: one of the first terminal, the second terminal, and the third terminal is formed to correspond to the user A fourth key and a fourth public key of information; a replacement step: combining two of the first public key, the second public key and the third public key with the fourth public key to form a Manage the reworked transaction public key of the above transaction public key, and transfer the digital currency of the above transaction public key to the above reworked transaction public key.

As can be seen from the above description, the present invention is characterized in that each of the first terminal, the second terminal, and the third terminal has a key and a public key, and all public keys are combined to form a transaction public key. Only two or more electronic signatures can transfer digital currency. Therefore, when the digital currency key is to be transferred, the electronic signature must be obtained from at least two terminals before the digital currency can be transferred, so that even if the thief steals one of the secrets The key, the stolen person still cannot transfer the digital currency through the stolen key, so that the digital currency can be prevented from being stolen by the stolen person.

In order to facilitate a deeper and more clear and detailed understanding and understanding of the structure, use and characteristics of the present invention, the preferred embodiment is cited, and the detailed description in conjunction with the drawings is as follows:

Please refer to FIGS. 1 and 2. In the first preferred embodiment, the digital currency transaction method 1 of the present invention is used in conjunction with a digital currency transaction system 2. As shown in FIG. 2, the digital currency transaction system 2 has a first A terminal 20, a second terminal 21, and a third terminal 22, the first terminal 20 is set as a mobile phone, computer, or tablet for the user, and the second terminal 21 is set as a custodian unit that can manage the public key, the third The terminal 22 is set as a trust unit capable of managing the public key, however, the first terminal 20 is set as a mobile phone, a computer or a tablet, the second terminal 21 is set as a custodian unit, and the third terminal 22 is set as a trust unit for convenience of explanation only. That is, the first terminal 20 may be set as a custodian unit, and the second terminal 21 may be set as a trust unit, and the third terminal 22 may be set as a mobile phone, computer, or tablet.

In this embodiment, the first terminal 20 set as a mobile phone, computer, or tablet can actively connect to an Internet 23, and the Internet 23 is simultaneously connected to the second terminal 21, the third terminal 22, and a The transaction blockchain 24 enables all the first terminals 20 to be connected to the second terminal 21, the third terminal 22, and the transaction blockchain 24 via the Internet 23.

The second terminal 21 set as the escrow unit has a verification database 211 for storing information content, and can provide a storage vehicle 25, and the third terminal 22 set as the trust unit has a Comparing the database 221, the transaction blockchain 24 stores a plurality of public keys of different users, where each public key has a digital currency and a transaction address. In this embodiment, the storage vehicle 25 cannot be directly connected to the Internet 23, but each storage carrier 25 can be selectively connected or disconnected to one of the plurality of first terminals 20 one by one, and when the storage carrier 25 is connected to the first terminal 20, the storage The carrier 25 can be connected to the Internet 23 via an electronic device, wherein the storage carrier 25 is provided with a microprocessor 251 capable of processing information, a memory 252 capable of storing information, and a security chip 253 storing important information The memory 252 and the security chip 253 are both electrically connected to the microprocessor 251, wherein the security chip 253 has a processing unit 253a capable of processing information, and in this embodiment, the storage carrier 25 is set to a Integrated Circuit (Integrated Circuit, IC) card.

Please refer to FIG. 1 and FIG. 3A. In a specific application, a public key establishment step 10 is first performed. The user inputs user information indicating the user’s identity to the first terminal 20, and the first terminal 20 transmits the user information. To the second terminal 21, the second terminal 21 creates a user database 212 stored in the second terminal 21 according to the user information, and stores the user information in the verification database 211, and then the second terminal 21 relies on the user data The library 212 creates a second key for authorizing digital currency transfer and a second public key corresponding to the second key.

Referring to FIG. 3B, the second terminal 21 stores the second key in the user database 212, and transmits the user information and the second public key to the third terminal 22, and the third terminal 22 transmits the user information Stored in the comparison database 221, and based on the user information and the second public key to create a third key used to authorize digital currency transfer and a third public key corresponding to the third key, where the third The terminal 22 stores the third key, and is used to manage the third key.

Please refer to FIG. 3C. Then, the third terminal 22 transmits the second public key and the third public key to the second terminal 21, and the second terminal 21 stores the second public key and the third public key in the storage. The memory 252 of the vehicle 25 provides the storage vehicle 25 with the second public key and the third public key to the user. Next, the first terminal 20 obtains the storage vehicle 25 based on the user information Create a first key for authorizing digital currency transfer and a first public key corresponding to the first key, wherein the first terminal 20 transfers the first key to the storage vehicle 25 so that the storage load The security chip 253 of the device 25 stores the first key. In addition, the first terminal 20 transmits the first public key to the storage vehicle 25, the second terminal 21, and the third terminal 22, so that the memory of the storage vehicle 25 The body 252, the user database 212 of the second terminal 21, and the third terminal 22 all store the first public key, thereby completing step 10 of establishing the public key.

Please refer to FIGS. 1 and 4. Next, a transaction public key creation step 11 is performed. When the memory 252 of the storage vehicle 25 stores the first public key, the second public key, and the third public key, the storage The microprocessor 251 of the vehicle 25 combines the first public key, the second public key, and the third public key to form a transaction public key with digital currency, and the microprocessor 251 sets the transaction public key to require at least Only two electronic signatures corresponding to the key can transfer the digital currency transaction mode. Then, the microprocessor 251 passes the transaction public key described above in the transaction mode to the first terminal 20, and the first terminal 20 then transfers the transaction public key. The key is transferred to the second terminal 21, the third terminal 22, and the transaction blockchain 24, so that all of the first terminal 20, the second terminal 21, the third terminal 22, and the transaction blockchain 24 can store the transaction public key.

Please refer to FIG. 1 and FIG. 5, when the user wants to transfer digital currency, the first terminal 20 receives a verification information input by the user to form the user’s personal data, and the first terminal 20 transmits the verification information to the second Terminal 21, when the second terminal 21 receives the verification information, the second terminal 21 will confirm whether the verification information matches the user information stored in the verification database 211, and when the second terminal 21 confirms that the information content of the verification information matches the user Information content, the second terminal 21 converts the second key to form a second electronic signature passed to the first terminal 20. When the first terminal 20 receives the second electronic signature, the second A terminal 20 will request the storage vehicle 25 to use the first key, let the microprocessor 251 of the storage vehicle 25 obtain the first key from the memory 252 of the storage vehicle 25, and perform the first key It is converted to form a first electronic signature passed to the first terminal 20, so that the first terminal 20 has the first electronic signature and the second electronic signature at the same time, thereby completing a verification key step 12.

Please refer to FIGS. 1 and 6. Finally, a currency transfer step 13 is performed. The user forms transaction information including the transaction address and transaction amount through the first terminal 20, and the first terminal 20 signs the first electronic signature, the The two electronic signatures and transaction information form an authorized transaction information, and transfer the above authorized transaction information to the transaction blockchain 24, so that the transaction blockchain 24 will verify the first and second electronic signatures to confirm the first The correctness of the two keys, and the transaction blockchain 24 can transfer the digital currency of the transaction public key according to the information content of the above authorized transaction information.

7 and 8, in the second preferred embodiment, the digital currency transaction method 1 of the present invention also has a public key establishment step 10, a transaction public key establishment step 11, a verification key step 12 and a currency transfer step 13 The difference from the first preferred embodiment lies in the public key establishment step 10 and the transaction public key establishment step 11. As for the verification key step 12 and the currency transfer step 13, the steps are the same as the first preferred embodiment. , And will not repeat the description.

As shown in FIG. 7, the first terminal 20 set as a mobile phone, a computer or a tablet has at least one uninitialized first initial public key in its own memory, and the second terminal 21 set as a hosting unit has at least one in its own memory The group has not set the second initial public key, and the third terminal 22 set as the trust unit itself has at least one group of unset third initial public keys, wherein, when the first, second, and third terminals 20 , 21, 22, when receiving the user information, the first terminal 20 can set one of the first initial public keys according to the user information, so that the first initial public key is converted into the first public key and The first key, and the second terminal 21 also sets one of the second initial public keys according to the user information, so that the second initial public key is converted into the second public key and the second key, the same The third terminal 22 sets one of the third initial public keys according to the user information, so that the third initial public key is converted into the third public key and the third key, thereby completing the public key Step 10 is established.

As shown in FIG. 8, when the first terminal 20 forms the first public key, the first terminal 20 passes the first public key to the second terminal 21 and the third terminal 22, and when the second terminal 21 forms the In the case of two public keys, the second terminal 21 passes the second public key to the first terminal 20 and the third terminal 22, and after the third terminal 22 forms the third public key, the third terminal 22 transfers the third The public key transfers the first terminal 20 and the second terminal 21, so that the first, second, and third terminals 20, 21, and 22 have the first public key, the second public key, and the third public key, respectively. The second and third terminals 20, 21, and 22 each combine the first public key, the second public key, and the third public key to form the transaction public key, and when the first, second, and third terminals 20, 21, 22 The step 11 of establishing the transaction public key is completed when all of the above transaction public keys are available.

Please refer to FIGS. 9 and 10. In the third preferred embodiment, the difference from the first preferred embodiment is the key verification step 12 and the currency transfer step 13, as shown in FIG. 9, when an unknown source is found When the digital asset is transferred to the transaction public key, the second terminal 21 set as the custodian unit transfers the user information stored in the verification database 211 to the third terminal 22 set as the trust unit, and the third terminal 22 checks the stored data in the verification data After the user information in the library 211 matches the user information in the matching database 221, the third terminal 22 converts the third key to form a third electronic signature passed to the second terminal 21, so that the second terminal 21 has the second key and the third electronic signature at the same time, thereby completing step 12 of verifying the key.

As shown in FIG. 10, when performing the currency transfer step 13, the second terminal 21 set as the escrow unit forms a freezing information for freezing digital currency to flow, and then performs the above second key to form a second electronic Signature, and the second terminal 21 forms the above-mentioned second electronic signature, third electronic signature and frozen information to form restricted transaction information, and transmits the restricted transaction information to the transaction blockchain 24, so that the transaction blockchain 24 will Convert the second and third electronic signatures to obtain the information content of the second and third keys, and then the transaction blockchain 24 can no longer provide the transaction public key according to the above-mentioned restricted transaction information. And then transfer the digital currency of the transaction public key to a frozen account, so that the digital currency of the transaction public key will not be diverted by the stolen person to reduce the risk of property loss.

Please refer to FIG. 11. In the fourth preferred embodiment, the difference from the first preferred embodiment is that the digital currency transaction method 1 further has a public key re-establishment step 14 and a replacement step 15, please refer to FIG. 11. As shown in FIG. 12, after the step 11 of establishing the transaction public key, in addition to the step 12 of verifying the key, the step 14 of establishing the public key can also be performed. As shown in the figure, when the user forgets the first key, The user inputs the user information to the first terminal 20, so that the first terminal 20 creates a fourth key different from the first key and a fourth public key corresponding to the fourth key according to the user information, and The first terminal 20 will further pass the fourth public key to the storage vehicle 25, so that the memory 252 of the storage vehicle 25 removes the first public key, and stores the fourth public key to complete the public key. Establish step 14.

However, the first terminal 20 generates the fourth key and the fourth public key according to the user information for convenience of description, that is, if the second terminal 21 set as the escrow unit loses the second key or is set as a trust When the third terminal 22 of the unit loses the third key, the second terminal 21 and the third terminal 22 can also form the fourth key and the fourth public key based on the user information. When the second terminal 21 forms the above When the fourth public key is used, the second terminal 21 will further remove the second public key. Conversely, when the third terminal 22 forms the fourth public key, the third terminal 22 will further remove the third public key.

Please refer to FIG. 11 and FIG. 13, when the public key re-creation step 14 is completed, the memory 252 of the storage vehicle 25 has the above-mentioned second public key, third public key and fourth public key, and The microprocessor 251 with 25 will combine the second public key, the third public key and the fourth public key to form a reworked transaction public key, and the microprocessor 251 sets the reworked transaction public key to require at least two An electronic signature corresponding to the key can be used to transfer the digital currency transaction mode. Subsequently, the microprocessor 251 passes the above-mentioned reworked transaction public key presenting the transaction mode to the first terminal 20, and the first terminal 20 transmits The transaction public key is transferred to the second terminal 21, the third terminal 22, and the transaction blockchain 24, so that the first terminal 20, the second terminal 21, the third terminal 22, and the transaction blockchain 24 can store System transaction public key.

Referring to FIG. 14, the first terminal 20 accepts the verification information formed by user input, and the first terminal 20 transmits the verification information to the second terminal 21 and the third terminal 22, and when the second and third terminals 21 When receiving the verification information, the second terminal 21 confirms whether the verification information matches the user information stored in the verification database 211, and the third terminal 22 confirms whether the verification information matches the storage information in the comparison database 221. User information, and when the second and third terminals 21, 22 confirm that the information content of the verification information is consistent with the information content of the user information, the second terminal 21 will convert the second key to form the second electronic signature , And transfer the second electronic signature to the first terminal 20, and the third terminal 22 will convert the third key to form the third electronic signature, and transfer the third electronic signature to the first A terminal 20. The first terminal 20 transmits the second and third electronic signatures to the transaction blockchain 24, and the transaction blockchain 24 verifies the second and third electronic signatures to know the second and third electronic signatures. The authorized content of both the three keys, and then the transaction blockchain 24 can transfer the digital currency of the transaction public key to the reworked transaction public key to complete the replacement step 15.

The above-mentioned embodiments are only for the convenience of describing the present invention, not to limit it. Without departing from the creative scope of the present invention, those skilled in the art who are familiar with this industry and applying the patent scope of the present invention and various simple modifications and modifications made by the invention description are still It should be included in the following patent applications.

1: Digital currency trading method 10: Public key establishment steps 11: Steps to create transaction public key 12: Steps to verify the key 13: Currency transfer steps 14: public key re-establishment steps 15: Replacement steps 2: digital currency trading system 20: First terminal 21: Second terminal 211: Check database 212: User database 22: Third terminal 221: Compare database 23: Internet 24: Trading blockchain 25: storage vehicle 251: Microprocessor 252: Memory 253: Security chip 253a: Processing unit

1 is a schematic flowchart of the digital currency transaction method of the present invention in the first preferred embodiment; Figure 2 is a block diagram of a digital currency trading system; 3A to 3C are schematic diagrams of steps for establishing a public key in FIG. 1; 4 is a schematic diagram of the steps of establishing the transaction public key in FIG. 1; 5 is a schematic diagram of the key verification step in FIG. 1; Figure 6 is a schematic diagram of the money transfer steps in Figure 1; 7 is a schematic diagram of a public key establishment step in the second preferred embodiment; 8 is a schematic diagram of the steps of establishing a transaction public key in the second preferred embodiment; 9 is a schematic diagram of the key verification step in the third preferred embodiment; 10 is a schematic diagram of the money transfer step in the third preferred embodiment; 11 is a schematic flowchart of the digital currency transaction method of the present invention in the fourth preferred embodiment; 12 is a schematic diagram of the public key re-establishment step in the fourth preferred embodiment; 13 is a schematic diagram of replacement steps in the fourth preferred embodiment; and FIG. 14 is a schematic diagram of the transfer of digital currency of the transaction public key to the reworked transaction public key.

1: Digital currency trading method

10: Public key establishment steps

11: Steps to create transaction public key

12: Steps to verify the key

13: Currency transfer steps

Claims (6)

A multi-key authorized digital currency transaction method, including: A public key establishment step: providing user information indicating the identity of the user, and a first terminal, a second terminal, and a third terminal respectively form a set of public keys and keys corresponding to the user data, so that The first terminal has a first key and a first public key, and the second terminal has a second key and a second public key, and the third terminal has a third key and a third public key key; A transaction public key creation step: the first terminal, the second terminal and the third terminal obtain a transaction public key generated by combining the first public key, the second public key and the third public key, and the transaction public key Can be based on a first electronic signature corresponding to the first key, a second electronic signature corresponding to the second key, and a third electronic signature corresponding to the third key More than two to authorize the transfer of digital currency; A key verification step: provide verification information with user's personal information, and verify that the verification information is consistent with the user information, and when the verification information matches the user information, the first terminal, the second terminal, and the third terminal One of the three obtains two or more of the above-mentioned first electronic signature, second electronic signature and third electronic signature; and A currency transfer step: forming a transaction information and obtaining two or more of the first electronic signature, the second electronic signature and the third electronic signature, so that the transaction public key can transfer the transaction information according to the transaction information The digital currency of the transaction public key. The digital currency transaction method for multiple key authorization as described in item 1 of the claim, wherein the digital currency transaction method for multiple key authorization further includes: A public key re-establishment step: one of the first terminal, the second terminal, and the third terminal forms a fourth key and a fourth public key corresponding to the user information; A replacement step: combine two of the first public key, the second public key, and the third public key with the fourth public key to form a reworked transaction public key, and obtain the corresponding first public key, third The key of two of the two public keys and the third public key enables the digital currency of the transaction public key to be transferred to the rework transaction public key. The multi-key authorized digital currency transaction method as described in claim 1, wherein in the public key creation step, the user information is transferred to the first terminal, the second terminal and the third terminal, and the above After the first terminal, the second terminal, and the third terminal receive the user information, the first terminal, the second terminal, and the third terminal each form the set of public keys and keys. The multi-key authorized digital currency transaction method as described in claim 1, wherein, in the public key establishment step, the first terminal, the second terminal, and the third terminal each have at least one group that has not passed The initial public key is set, and the initial public key is set to be converted into the public key and key according to the user information. The multi-key authorized digital currency transaction method as described in claim 1, wherein in the transaction public key creation step, the first terminal obtains the second public key and the third public key, so that the first terminal Having the first public key, the second public key, and the third public key, and the first terminal combines the first public key, the second public key, and the third public key to generate the transaction public key, and the transaction public key The key is transferred to the above-mentioned second terminal and third terminal. The multi-key authorized digital currency transaction method as described in claim 1, wherein in the step of establishing the transaction public key, the first terminal, the second terminal, and the third terminal each obtain the first public key, the third Two public keys and a third public key, and the first terminal, the second terminal, and the third terminal respectively combine the first public key, the second public key, and the third public key to form the transaction public key.

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