TWI730304B - Multiple authentication method for digital asset transaction - Google Patents

Abstract

A multiple authentication method of the present invention comprises the following steps of: an authentication server terminal obtains an authentication address by performing authentication on a digital currency account; a transaction item is created by an electronic device, and the transaction server terminal generates matching information by matching a plurality of transaction itemsand sends the matching information to the electronic device; that set amount is consistent with transaction amount of the matching information is confirmed to transmit an electronic signaturecorresponding to the private key information to the electronic device; the authentication server terminal sends a license signature to the electronic device after confirming the transaction address of the matching information is consistent with the authentication address ; the electronic device obtains the matching information, the electronic signature and the license signature to instruct the transaction server terminal to perform the digital currency transaction.. In this way, the user is effectively assisted in identifying the identity of the transaction object and avoiding digital asset transactions with an unidentified object.

Description

Multiple confirmation methods for digital asset transactions

The present invention relates to a digital asset transaction method that can reduce the theft of digital assets, in particular to a multiple confirmation method of digital asset transactions that can confirm transaction content and transaction addresses.

In order to allow consumers to take public transportation or make purchases in various stores without having to carry cash when going out, the use of digital assets for transactions has gradually become the current social trend. Among them, digital assets are often used in the market. (For example: electronic money) electronic transaction devices such as electronic wallets, credit cards, stored value cards, leisure cards... etc.

Among them, when a consumer purchases a digital asset to store value, the digital asset purchased by the consumer will be stored in a transaction server terminal connected to the Internet, and the electronic transaction device will store information about the amount of the digital asset, and When consumers want to conduct consumer transactions through electronic transaction devices, the electronic transaction devices will be connected to the transaction server terminal via the card reader, so that the digital assets can be transferred in the transaction server terminal, and the amount information will be updated at the same time. To indicate the amount of remaining digital assets.

However, the current digital assets are traded on the transaction server terminal, and the transaction server terminal is continuously connected to the Internet. If the protective device (such as a firewall) that protects the security of the digital asset is flawed, a person (such as a hacker) In addition to directly implanting stolen programs through the Internet or stealing digital assets through flaws in protective devices, consumers can suffer financial losses.

The main purpose of the present invention is that besides the user can confirm whether the transaction amount and transaction address are correct through the electronic device, the authentication server terminal can also assist the user to confirm whether the transaction address has been authenticated, and further determine whether the transaction address is There is no problem with the digital currency account, and then when the digital currency is traded, the chances of the information content of the transaction amount and the transaction address being tampered with will be greatly reduced, and the digital currency of the digital currency account will not be transferred to the unauthorized transaction. In the certified digital currency account, it is possible to avoid digital asset transactions with unidentified objects.

To achieve the foregoing objectives, the present invention relates to a multiple confirmation method for digital asset transactions, which includes the following steps: a establishing step, an account authentication step, a transaction matching step, a transaction confirmation step, an account confirmation step, and a transaction step.

In this embodiment, the above-mentioned establishment steps: establish a digital currency account capable of storing digital currency, the digital currency account having a public key information and a key information, and storing the key information in a storage vehicle; Account authentication step: an authentication server terminal receives the public key information, and authenticates the public key information to obtain an authentication address, and the authentication server terminal has a license seal and can be used to verify the public key information and Whether the authentication address matches, in this embodiment, the authentication server terminal is connected to a plurality of different transaction institutions, and the transaction institution can establish the digital currency account, so that the transaction institution can further establish the public key information and the secret key Information, wherein, when the transaction organization forms the public key information, the transaction organization transmits the public key information to the authentication server terminal, so that the authentication server terminal authenticates the public key information.

Wherein, the transaction matching step: obtain the public key information from an electronic device, and create a transaction item including a public key address and a set amount based on the public key information, and the electronic device transmits the transaction item to a transaction server terminal , Let the transaction server terminal match the transaction items of a plurality of different users to form a matching information including the transaction address and the transaction amount, and transmit the matching information to the above electronic device; the above transaction confirmation step: check the above transaction items The set amount of is consistent with the transaction amount of the above-mentioned matching amount, so that the storage vehicle forms an electronic signature corresponding to the above-mentioned key information, and transmits the above-mentioned electronic signature to the above-mentioned electronic device.

In this embodiment, in the transaction confirmation step, one of the electronic device and the storage vehicle obtains the set amount of the transaction item and the transaction amount of the matched amount, and compares the set amount of the transaction item with the foregoing transaction amount. The matching amount is checked against the transaction amount.

Moreover, in the transaction confirmation step, before the electronic signature is transmitted to the electronic device, the other of the electronic device and the storage carrier rechecks that the set amount meets the transaction amount of the matching information, and the electronic One of the device and the storage carrier receives a confirmation instruction input by the user, and the other of the electronic device and the storage carrier receives a re-confirmation instruction input by the user, so that the electronic device and the storage carrier Check the transaction amount of the above-mentioned set amount in line with the above-mentioned matching information.

In addition, the account confirmation step: the electronic device transmits the transaction address of the matching information to the authentication server terminal, and the authentication server terminal checks the transaction address with the authentication address to confirm that the transaction address matches the authentication address, so that the authentication The server terminal transmits the permission signature to the electronic device; and the transaction step: the electronic device generates a transaction instruction after obtaining the matching information, electronic signature, and permission signature, and transmits the transaction instruction to the transaction server terminal To transfer the digital currency that uses the above public key information.

In another preferred embodiment, the multiple confirmation method of the digital asset transaction further includes: a step of verifying a transaction item and a step of re-verifying a transaction item, wherein the step of verifying the transaction item: the electronic device obtains the transaction item from the transaction item. The amount and the public key address are set, and the electronic device confirms that the set amount and the public key address are correct to form a verification message, so that the electronic device transmits the transaction item to the transaction server terminal.

In addition, the step of verifying the transaction item again: when the electronic device forms the verification information, the electronic device transmits the transaction item to the storage vehicle, and the storage vehicle obtains the set amount and the public key address, and confirms The set amount and the public key address are correct to form a re-check information to be transmitted to the electronic device, so that the electronic device can transmit the transaction item to the transaction server terminal.

From the above description, the feature of the present invention is that before the transaction step, the transaction confirmation step and the account confirmation step must be performed, so that the user himself can confirm the transaction amount and transaction address are correct before the storage vehicle transmits the electronic signature to Electronic device, and the authentication server terminal will also assist the user to confirm that the transaction address has been authenticated, the authentication server terminal will pass the license signature to the electronic device, and the electronic device must obtain the electronic signature and the license signature for further instructions The transaction server terminal can transfer the digital currency of one of the public key information to the other public key information, so that the user can confirm the transaction conditions for the first time, and then the authentication server terminal performs a second check on the address of the transaction object. This confirmation effectively assists the user in identifying the identity of the transaction object, avoiding digital asset transactions with unidentified objects. When digital currency transactions are carried out, the information content of both the transaction amount and the transaction address will be greatly reduced by a deliberate person. And, the digital currency of the digital currency account will not be transferred to the unauthenticated digital currency account, so that digital asset transactions with unidentified objects can be avoided.

In order to facilitate a deeper, clear and detailed knowledge and understanding of the structure, use and characteristics of the present invention, a preferred embodiment is given, which is described in detail in conjunction with the drawings as follows:

Please refer to Figure 1 and Figure 2. The multiple confirmation method 1 for digital asset transactions of the present invention is used in conjunction with a digital asset multiple confirmation transaction system 2. As shown in Figure 2, the digital asset multiple confirmation transaction system 2 has multiple electronic The device 20, a plurality of storage carriers 21, an authentication server terminal 22, and a transaction server terminal 23, wherein each electronic device 20 is installed with an application software 201, and each electronic device 20 can be actively connected to the Internet The Internet 24 is connected to the authentication server terminal 22 and the transaction server terminal 23 at the same time, so that all electronic devices 20 can be connected to the authentication server terminal 22 and the transaction server terminal 23 via the Internet 24. In this embodiment, the electronic device 20 can be a mobile phone, a computer, or a tablet.

Each storage vehicle 21 cannot be actively connected to the Internet 24, but each storage vehicle 21 can be selectively connected or disconnected one-to-one to one of a plurality of application software 201, and when the storage vehicle 21 When connected to the application software 201, the storage carrier 21 can be connected to the Internet 24 via the electronic device 20. Each storage carrier 21 is equipped with a microprocessor 211 capable of processing information, and a processor capable of storing information. Memory 212, a security chip 213 that stores important information, a display 214 that can display information content, and a confirmation button 215 that can confirm whether the information content is correct, and the memory 212, security chip 213, display 214, and confirmation button 215 are four All of them are electrically connected to the microprocessor 211, where the security chip 213 has a processing unit 213a capable of processing information, and in this embodiment, the storage carrier 21 is configured as an integrated circuit (IC) card .

As shown in the figure, the authentication server terminal 22 has a database 221 that can store information, and the transaction server terminal 23 is connected to a physical money transfer platform 25, and the transaction server terminal 23 stores transaction items of a plurality of different users. Among them, each transaction item has a set amount and a public key address. In addition, the transaction server terminal 23 is connected to a digital currency transfer platform 26, and the digital currency transfer platform 26 is set as a blockchain.

Please refer to Figures 1 and 3, a plurality of transaction institutions 27 of different systems are connected to the authentication server terminal 22, and when a plurality of users want to apply for the storage vehicle 21 for digital asset transactions, each user first One of the trading institutions 27 provides user information representing the user’s personal data. When the trading institution 27 receives the user information, the trading institution 27 forms a physical currency account 251 established on the physical money transfer platform 25 and a physical currency account 251 based on the user information. The digital currency account 261 established on the digital currency transfer platform 26, and the digital currency account 261 has a key information and a public key information, and the transaction institution 27 then transmits the key information and public key information to one of the storage vehicles 21. Let the above-mentioned key information be stored in the security chip 213 of the storage carrier 21, and the above-mentioned public key information will be stored in the memory 212 of the storage carrier 21, thereby completing a creation step S1, and then the above-mentioned secret will be stored. The key information storage vehicle 21 is delivered to the user. In this embodiment, the key information is used to authorize the transfer of digital currency, and the public key information indicates the total amount of the digital currency and the public key address of the digital currency account 261 , Where the physical currency account 251 corresponds to the digital currency account 261 one-to-one, and the physical currency account 251 is used to store physical currency (such as New Taiwan dollars, US dollars and other currencies), and the digital currency account 261 is used to store digital currencies (Such as: Bitcoin and other virtual online currencies) or valuable electronic items.

Please refer to Figures 1 and 4. Next, an account authentication step S2 is performed. When the account authentication step S2 is performed, the public key information of the digital currency account 261 is transmitted to the authentication server terminal 22, so that the authentication server terminal 22 can The above public key information of the currency account 261 is authenticated, so that the authentication server terminal 22 obtains the public key address of the public key information in the digital currency account 261, and the authentication server terminal 22 stores the public key address of the public key information in the digital currency account 261 An authentication address is formed in the database 221, wherein the authentication server terminal 22 has a permission seal that can indicate that the public key information of the digital currency account 261 has been authenticated. In this embodiment, when the transaction institution 27 creates the digital currency For the account 261, the trading institution 27 can immediately transmit the public key information of the digital currency account 261 to the authentication server terminal 22 for authentication, or after the digital currency account 261 is created, the user can transfer the digital currency account 261 by himself The above public key information is provided to the authentication server terminal 22 so that the authentication server terminal 22 performs authentication.

1 and 5, after the account authentication step S2 is completed, a transaction verification step S3 is performed. When the transaction verification step S3 is performed, the electronic device 20 held by the user is connected to the stored key The information storage vehicle 21 enables the application software 201 to be connected to the storage vehicle 21, and the electronic device 20 is connected to the authentication server terminal 22 and the transaction server terminal 23 via the Internet 24, thereby enabling the storage vehicle 21 and the application The software 201, the authentication server terminal 22, and the transaction server terminal 23 are in a connected state. Then, the electronic device 20 can actively obtain the public key information of the digital currency account 261 from the storage vehicle 21, and use the application software 201 to follow the public key Information and create a transaction item that includes a public key address and a set amount. When the electronic device 20 forms the above-mentioned transaction item, the electronic device 20 will obtain the set amount of the above-mentioned transaction item and the public key address of the above-mentioned transaction item from the above-mentioned transaction item, and Further display the above-mentioned set amount and the above-mentioned public key address. Next, the user can view through the electronic device 20 whether the information content of the above-mentioned set amount and the above-mentioned public key address is incorrect, and when the user confirms the above-mentioned set amount and the public key When there is no error in the information content of the two addresses, the user presses the "confirm transaction" button displayed on the electronic device 20 to complete the transaction verification step S3, whereby the electronic device 20 will form a confirmation of the above-mentioned set amount and the above-mentioned public key The address is correct. On the contrary, when the user confirms that the information content of the above set amount and the above public key address are incorrect, the user presses the "Abandon Transaction" button displayed on the electronic device 20 to make the electronic device 20 The above-mentioned verification information will not be formed, and the verification transaction item step S3 will not be completed.

In this embodiment, the above-mentioned transaction item may represent the information content of purchasing digital currency or the information content of selling digital currency. When the above-mentioned transaction item represents the information content of purchasing digital currency, the above-mentioned set amount will indicate the purchase of digital currency. The purchase amount of assets, and the above public key address will indicate which digital currency account 261 the digital assets are to be transferred to. In addition, when the above transaction items represent the information content of the sale of digital currency, the above set amount will indicate the sale of digital assets The above-mentioned public key address indicates which digital currency account 261 is to be transferred from.

Please refer to FIG. 1 and FIG. 6. Next, a step S4 of re-checking the transaction item is performed. When the electronic device 20 forms the above-mentioned verification information, the electronic device 20 transmits the above-mentioned transaction item to the storage carrier 21, and the storage carrier 21 The microprocessor 211 obtains the set amount and the public key address, and then transmits the set amount and the public key address to the display 214 of the storage carrier 21, so that the display 214 displays the set amount and the public key address, and then , The user re-views through the display 214 to confirm whether the information content of both the set amount and the public key address are incorrect, and when the user reconfirms that the information content of the set amount and the public key address is correct, use The user presses the confirmation button 215 displayed on the storage vehicle 21 to allow the storage vehicle 21 to form a recheck information indicating that the set amount and the public key address are correct. Conversely, when the user confirms the set amount and the public key When the information content of both addresses is incorrect, the transaction item verification step S3 must be performed again.

Please refer to Figures 1 and 7, after completing step S4 of re-checking the transaction item, a transaction matching step S5 is performed. When the storage vehicle 21 forms the above-mentioned re-check information, the storage vehicle 21 will compare the above-mentioned transaction item with the re-check information. To the electronic device 20, and the electronic device 20 transmits the transaction item to the transaction server terminal 23 due to the receipt of the re-check information. When the transaction server terminal 23 receives the transaction item, the transaction server terminal 23 will The obtained transaction items are matched and compared against each of the above-mentioned transaction items stored in the transaction server terminal 23, and when the transaction server terminal 23 finds that one of the above-mentioned transaction items stored in the transaction server terminal 23 matches the above-mentioned transaction item just received, The transaction server terminal 23 will form a matching information including the transaction address and the transaction amount, and the transaction server terminal 23 will then send the matching information to the application software 201 of the electronic device 20.

1 and 8A, when the application software 201 of the electronic device 20 receives the above-mentioned matching information, the electronic device 20 will obtain the transaction amount and transaction address from the above-mentioned matching information, and the electronic device 20 will further display the above-mentioned matching information The transaction amount of the above matching information, the transaction address of the above matching information, the set amount of the above transaction item, and the public key address of the above transaction item, and then the user confirms that the transaction amount of the above matching information matches the set amount of the above transaction item and confirms the above transaction item The information content of the public key address is correct. The user can press the "confirm transaction" button displayed on the electronic device 20 to complete a transaction confirmation step S6, and when the "confirm transaction" button is pressed, the electronic device 20 will receive a confirmation The confirmation instruction input by the user causes the electronic device 20 to form a confirmation message, wherein the confirmation instruction is used to indicate that the transaction amount of the transaction item matches the transaction amount of the matching information, so that the user himself can use the electronic device 20 to Confirm whether the transaction amount of the above matching information matches the set amount of the above transaction item, and confirm whether the public key address of the above transaction item is correct, so as to prevent the transaction amount and transaction address from being tampered with by interested parties.

1 and 8B, when the electronic device 20 forms the above confirmation information, the electronic device 20 transmits the above transaction items and matching information to the storage carrier 21, and the microprocessor 211 of the storage carrier 21 instructs the display 214 Display the transaction amount of the above matching information, the transaction address of the above matching information, the setting amount of the above transaction item, and the public key address of the above transaction item, and then the user will view again through the display 214 to confirm that the transaction amount of the above matching information matches the above transaction The set amount of the item and the information content of the public key address confirming the above transaction item are correct. The user presses the confirmation button 215 of the storage carrier 21 to allow the storage carrier 21 to receive a reconfirmation instruction input by the user, and then save the carrier. The tool 21 forms an electronic signature corresponding to the key information through the above reconfirmation instruction, and the storage carrier 21 transmits the above electronic signature and matching information to the electronic device 20, on the contrary, the user confirms the above matching information The transaction amount of and the set amount of the above transaction item are incorrect, or if the information content of the above public key address is found to be wrong, the user can choose to recheck the transaction item step S3 without pressing the confirm button 215.

1 and 9, after the transaction matching step S5 is completed, in addition to the transaction confirmation step S6, an account confirmation step S7 must be performed. When the application software 201 of the electronic device 20 receives the matching information, the electronic The device 20 transmits the above-mentioned matching information to the authentication server terminal 22, and then the authentication server terminal 22 checks the transaction address of the above-mentioned matching information with the authentication address. When the authentication server terminal 22 finds that the transaction address of the matching information matches the above-mentioned authentication address, The authentication server terminal 22 will issue the above-mentioned permission signature and send the above-mentioned permission signature to the electronic device 20. On the contrary, when the authentication server terminal 22 compares and confirms that the above-mentioned authentication address does not match the transaction address of the above-mentioned matching information, the authentication server terminal 22 will not send the above-mentioned permission signature to the electronic device 20, so that the authentication server terminal 22 can help the user to confirm whether the transaction address of the above-mentioned matching information is authenticated, thereby avoiding possible problems with the user’s digital currency transfer. 261 of the digital currency account.

1 and 10, when the electronic device 20 obtains the above-mentioned electronic signature and the permission signature, a transaction step S8 is started, and the electronic device 20 forms a transaction instruction according to the above-mentioned matching information, the electronic signature and the permission signature. , And the electronic device 20 transmits the above-mentioned transaction instruction to the transaction server terminal 23, and the transaction server terminal 23 receives the above-mentioned electronic signature and permission signature and follows the information content of the above-mentioned matching information to publish one of the digital currency accounts 261 The digital currency of the key information is transferred to the public key information of another digital currency account 261. In contrast, the physical currency account 251 receives the physical currency of another physical currency account 251, wherein when the electronic device 20 does not receive the above-mentioned license signature The transaction step S8 cannot be performed, and even if the transaction server terminal 23 has received the above electronic signature, the transaction server terminal 23 still cannot transfer the digital currency of the public key information in one of the digital currency accounts 261 to another digital currency account 261 Public key information.

The above-mentioned embodiments are only used to facilitate the description of the present invention and are not intended to limit them. Without departing from the creative scope of the present invention, various simple modifications and modifications made by those skilled in the industry in accordance with the scope of the patent application and the description of the invention are still It should be included in the scope of the following patent applications.

1: Multiple confirmation methods for digital asset transactions 2: Multiple confirmation trading system for digital assets 20: Electronic device 201: Application Software 21: storage vehicle 211: Microprocessor 212: Memory 213: Security Chip 213a: processing unit 214: Display 215: Confirm button 22: Authentication server terminal 221: Database 23: Transaction server terminal 24: Internet 25: Physical currency transfer platform 251: Physical Currency Account 26: Digital currency transfer platform 261: Digital Currency Account 27: Trading Agency S1: Establishment steps S2: Account verification steps S3: Steps to verify transaction items S4: Check the transaction project steps again S5: Transaction matching steps S6: Transaction confirmation steps S7: Account confirmation steps S8: Transaction steps

Figure 1 is a flow diagram of the multiple confirmation method for digital asset transactions; Figure 2 is a schematic diagram of the modules of the multiple confirmation trading system for digital assets; Fig. 3 is a schematic diagram of the establishment steps in Fig. 1; Figure 4 is a schematic diagram of the account authentication steps in Figure 1; Figure 5 is a schematic diagram of the steps of verifying transaction items in Figure 1; Figure 6 is a schematic diagram of the steps of rechecking transaction items in Figure 1; Figure 7 is a schematic diagram of the transaction matching steps in Figure 1; 8A and 8B are schematic diagrams of the transaction confirmation steps in FIG. 1; Fig. 9 is a schematic diagram of the account confirmation step in Fig. 1; and Fig. 10 is a schematic diagram of the transaction steps in Fig. 1.

1: Multiple confirmation methods for digital asset transactions

S1: Establishment steps

S2: Account verification steps

S3: Steps to verify transaction items

S4: Check the transaction project steps again

S5: Transaction matching steps

S6: Transaction confirmation steps

S7: Account confirmation steps

S8: Transaction steps

Claims (8)

A multiple confirmation method for digital asset transactions, including: One establishment step: creating a digital currency account capable of storing digital currency, the digital currency account having a public key information and a secret key information, and storing the secret key information in a storage vehicle; An account authentication step: an authentication server terminal receives the public key information, and authenticates the public key information to obtain an authentication address, and the authentication server terminal has a license seal and can be used to verify the public key information Whether it is consistent with the certification address; A transaction matching step: obtain the public key information from an electronic device, and create a transaction item including the public key address and the set amount based on the public key information, and the electronic device transmits the transaction item to a transaction server terminal, Let the transaction server terminal match the transaction items of a plurality of different users to form matching information including the transaction address and the transaction amount, and transmit the matching information to the electronic device; 1. Transaction confirmation step: verify that the set amount of the above transaction item matches the transaction amount of the above matching amount, let the storage vehicle form an electronic signature corresponding to the above key information, and transmit the above electronic signature to the above electronic Device An account confirmation step: the electronic device transmits the transaction address of the matching information to the authentication server terminal, and the authentication server terminal checks the transaction address with the authentication address to confirm that the transaction address matches the authentication address, so that the authentication server terminal Pass the above-mentioned license seal to the above-mentioned electronic device; and A transaction step: the electronic device generates a transaction instruction after obtaining the matching information, electronic signature, and permission signature, and transmits the transaction instruction to the transaction server terminal to transfer the digital currency of the public key information. For example, the multiple confirmation method for digital asset transactions described in item 1 of the request, wherein, before the transaction matching step, it further includes: a transaction item verification step: the electronic device obtains the set amount and the public key address from the transaction item, The electronic device confirms that the set amount and the public key address are correct to form a verification information, so that the electronic device transmits the transaction item to the transaction server terminal. For the multiple confirmation method of digital asset transaction described in claim 2, wherein, after the step of verifying the transaction item, it further includes: a step of re-checking the transaction item: when the electronic device forms the verification information, the electronic device performs the transaction The item is transmitted to the storage vehicle, and the storage vehicle obtains the set amount and the public key address, and confirms that the set amount and the public key address are correct to form a re-checking information that is transmitted to the electronic device, so that the electronic device Only the device can deliver the above-mentioned transaction items to the above-mentioned transaction server terminal. For example, the multiple confirmation method for digital asset transactions described in item 1 of the request, wherein, in the transaction confirmation step, one of the electronic device and the storage vehicle obtains the transaction between the set amount of the transaction item and the matching amount Amount, and check the set amount of the above-mentioned transaction items and the transaction amount of the above-mentioned matching amount. For example, the multiple confirmation method for digital asset transactions described in claim 4, wherein, in the transaction confirmation step, before the electronic signature is transmitted to the electronic device, the other of the electronic device and the storage vehicle is again Check that the above set amount matches the transaction amount of the above matching information. For the multiple confirmation method of digital asset transaction described in claim 5, wherein, in the transaction confirmation step, one of the electronic device and the storage vehicle receives a confirmation instruction input by the user, and the electronic device and The other one of the storage vehicles receives a reconfirmation instruction input by the user, so that the electronic device and the storage vehicle sequentially check that the set amount matches the transaction amount of the matching information. For the multiple confirmation method for digital asset transactions described in claim 1, wherein the authentication server terminal is connected to a plurality of different trading institutions, and the trading institution can establish the digital currency account, so that the trading institution can further establish the above Public key information and key information. For example, the multiple confirmation method for digital asset transactions described in item 7 of the request, wherein, when the transaction institution forms the public key information, the transaction institution transmits the public key information to the authentication server terminal, so that the authentication server terminal can The above public key information is authenticated.

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