CN111325538A - A payment method and digital watch payment system based on blockchain digital currency - Google Patents
A payment method and digital watch payment system based on blockchain digital currencyDownload PDFInfo
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Abstract
Translated fromChinese
Description
Translated fromChinese技术领域technical field
本发明涉及数字货币技术领域，特别涉及一种基于区块链数字货币的支付方法及数字手表支付系统。The invention relates to the technical field of digital currency, in particular to a payment method and digital watch payment system based on blockchain digital currency.
背景技术Background technique
目前在智能手表上实现安全支付的方式包括扫码支付和NFC支付。其中扫码支付是指商家扫描智能手表上的条形码或二维码，该条形码与二维码事先与手机上的支付宝账户绑定，在条形码或二维码在扫描时，通过手机上的支付宝账户进行确认付款，以完成支付；NFC支付是利用NFC通信的一种近距离支付方式，通过在手表上存储一个特定token，在支付时，通过NFC通信将特定token传递给收款端，收款端将特定token传给银联，在验证特定token的合法性之后完成支付。At present, the methods of realizing secure payment on smart watches include scanning code payment and NFC payment. Among them, scanning code payment means that the merchant scans the barcode or QR code on the smart watch, and the barcode and QR code are bound to the Alipay account on the mobile phone in advance. Confirm payment to complete payment; NFC payment is a short-range payment method using NFC communication. By storing a specific token on the watch, when paying, the specific token is transmitted to the receiving end through NFC communication, and the receiving end Pass the specific token to UnionPay, and complete the payment after verifying the legitimacy of the specific token.
然而，现有的智能手表支付上依然不够便捷安全可靠。采用扫码支付需要手机端进行确认，在单独智能手表的情况下难以实现支付，目前的应用场景多基于智能手表得到手机端的授权后使用智能手表进行小额免密支付；采用NFC支付需要对应硬件支持，在无NFC对应硬件的终端设备上无法通过NFC通信功能进行支付。However, the existing smart watch payment is still not convenient, safe and reliable enough. Scanning code payment requires confirmation on the mobile phone terminal, and it is difficult to realize payment in the case of a separate smart watch. The current application scenarios are mostly based on the smart watch being authorized by the mobile terminal and using the smart watch for small-amount password-free payment; using NFC payment requires corresponding hardware Yes, payment cannot be made through the NFC communication function on terminal devices without NFC-compatible hardware.
同时，随着区块链技术所对应的数字货币的快速发展，在智能手表上使用区块链技术所对应的数字货币进行支付有可能成为未来的支付方式之一。At the same time, with the rapid development of the digital currency corresponding to the blockchain technology, the use of the digital currency corresponding to the blockchain technology for payment on smart watches may become one of the payment methods in the future.
因此，有必要设计一种在智能手表上使用区块链技术所对应的数字货币进行支付且该支付方式更加便捷安全可靠的支付方法。Therefore, it is necessary to design a payment method that uses the digital currency corresponding to the blockchain technology on the smart watch, and the payment method is more convenient, safe and reliable.
发明内容SUMMARY OF THE INVENTION
本发明所要解决的技术问题是：提供一种基于区块链数字货币的支付方法及数字手表支付系统，实现了在智能手表上使用区块链技术所对应的数字货币进行支付。The technical problem to be solved by the present invention is to provide a payment method and a digital watch payment system based on blockchain digital currency, so as to realize payment on a smart watch by using the digital currency corresponding to the blockchain technology.
为了解决上述技术问题，本发明采用的技术方案为：In order to solve the above-mentioned technical problems, the technical scheme adopted in the present invention is:
一种基于区块链数字货币的支付方法，包括步骤：A payment method based on blockchain digital currency, including steps:
S1、数字手表接收收款端发送的包括待支付账户和待支付数额的支付请求，将所述支付请求发送至服务端；S1. The digital watch receives a payment request including the account to be paid and the amount to be paid sent by the payee, and sends the payment request to the server;
S2、服务端接收所述支付请求，验证所述支付请求的合法性，若验证合法，则将包括所述收款账户、所述待支付账户、所述待支付数额和交易时间信息的交易记录经过加密后生成交易区块，并将所述交易区块广播至所有记账节点上，若所述交易区块获得所有记账节点的共识，则执行步骤S3，并使得各个记账节点将所述交易区块存储在所述待支付账户下的区块链上；S2. The server receives the payment request and verifies the legality of the payment request. If the verification is legal, a transaction record including the receiving account, the account to be paid, the amount to be paid, and transaction time information will be recorded. After encryption, a transaction block is generated, and the transaction block is broadcast to all accounting nodes. If the transaction block obtains the consensus of all accounting nodes, step S3 is performed, and each accounting node is made to The transaction block is stored on the blockchain under the account to be paid;
S3、服务端从所述待支付账户上扣除与所述待支付数额相等的数字货币数量，并将所扣除的数字货币数量转移到所述收款端对应的收款账户上，生成并发送支付成功信息；S3. The server deducts the amount of digital currency equal to the amount to be paid from the account to be paid, and transfers the deducted amount of digital currency to the receiving account corresponding to the receiving terminal, and generates and sends payment. success information;
S4、数字手表接收并显示所述支付成功信息。S4. The digital watch receives and displays the payment success information.
为了解决上述技术问题，本发明采用的另一种技术方案为：In order to solve the above-mentioned technical problems, another technical scheme adopted by the present invention is:
一种数字手表支付系统，包括数字手表以及服务端，所述数字手表包括第一存储器、第一处理器及存储在第一存储器上并可在第一处理器上运行的第一计算机程序，所述服务端包括第二存储器、第二处理器及存储在第二存储器上并可在第二处理器上运行的第二计算机程序，所述第一处理器执行所述第一计算机程序时实现以下步骤：A digital watch payment system, comprising a digital watch and a server, the digital watch comprising a first memory, a first processor and a first computer program stored in the first memory and running on the first processor, The server includes a second memory, a second processor, and a second computer program stored in the second memory and running on the second processor, and the first processor implements the following when executing the first computer program: step:
S1、接收收款端发送的包括待支付账户和待支付数额的支付请求，将所述支付请求发送至服务端；S1, receiving the payment request including the account to be paid and the amount to be paid sent by the payee, and sending the payment request to the server;
S4、接收并显示支付成功信息。S4. Receive and display payment success information.
所述第二处理器执行所述第二计算机程序时实现以下步骤：The second processor implements the following steps when executing the second computer program:
S2、接收所述支付请求，验证所述支付请求的合法性，若验证合法，则将包括所述收款账户、所述待支付账户、所述待支付数额和交易时间信息的交易记录经过加密后生成交易区块，并将所述交易区块广播至所有记账节点上，若所述交易区块获得所有记账节点的共识，则执行步骤S3，并使得各个记账节点将所述交易区块存储在所述待支付账户下的区块链上；S2. Receive the payment request, verify the legality of the payment request, and if the verification is legal, encrypt the transaction record including the payment account, the account to be paid, the amount to be paid and transaction time information Then, a transaction block is generated, and the transaction block is broadcast to all billing nodes. If the transaction block obtains the consensus of all billing nodes, step S3 is executed, and each billing node is made to transfer the transaction. Blocks are stored on the blockchain under the account to be paid;
S3、从所述待支付账户上扣除与所述待支付数额相等的数字货币数量，并将所扣除的数字货币数量转移到所述收款端对应的收款账户上，生成并发送支付成功信息。S3. Deduct the amount of digital currency equal to the amount to be paid from the account to be paid, and transfer the deducted amount of digital currency to the receiving account corresponding to the receiving end, and generate and send payment success information .
本发明的有益效果在于：一种基于区块链数字货币的支付方法及数字手表支付系统，数字手表在接收收款端的支付请求后，通过服务端来验证所述支付请求的合法性，并对交易记录所形成的交易区块进行共识确认后存储在所述待支付账户下的区块链上，之后完成数字货币的扣除转移，从而实现了在智能手表上使用区块链技术所对应的数字货币进行支付，由于交易记录被存储在区块链上，以防止交易记录被篡改，从而保证了交易数据的安全性。The beneficial effects of the present invention are: a payment method based on blockchain digital currency and a digital watch payment system. After receiving the payment request from the payee, the digital watch verifies the legitimacy of the payment request through the server, and verifies the legality of the payment request through the server. The transaction block formed by the transaction record is confirmed by consensus and stored on the blockchain under the account to be paid, and then the deduction and transfer of the digital currency is completed, thereby realizing the digital corresponding to the use of blockchain technology on the smart watch. Currency for payment, since transaction records are stored on the blockchain to prevent transaction records from being tampered with, thus ensuring the security of transaction data.
附图说明Description of drawings
图1为本发明实施例的一种基于区块链数字货币的支付方法的流程示意图；1 is a schematic flowchart of a payment method based on a blockchain digital currency according to an embodiment of the present invention;
图2为本发明实施例的密码选取界面的示意图；2 is a schematic diagram of a password selection interface according to an embodiment of the present invention;
图3为本发明实施例的密码宫格的初始示意图；3 is an initial schematic diagram of a password grid according to an embodiment of the present invention;
图4为本发明实施例的密码宫格的最终示意图；4 is a final schematic diagram of a password grid according to an embodiment of the present invention;
图5为本发明实施例的一种数字手表支付系统的结构示意图。FIG. 5 is a schematic structural diagram of a digital watch payment system according to an embodiment of the present invention.
标号说明：Label description:
1、一种数字手表支付系统；2、数字手表；3、第一处理器；4、第一存储器；5、服务端；6、第二处理器；7、第二存储器。1. A digital watch payment system; 2. A digital watch; 3. A first processor; 4. A first storage; 5. A server; 6. A second processor; 7. A second storage.
具体实施方式Detailed ways
为详细说明本发明的技术内容、所实现目的及效果，以下结合实施方式并配合附图予以说明。In order to describe in detail the technical content, achieved objects and effects of the present invention, the following descriptions are given with reference to the embodiments and the accompanying drawings.
请参照图1至图4，一种基于区块链数字货币的支付方法，包括步骤：Please refer to Figure 1 to Figure 4, a payment method based on blockchain digital currency, including steps:
S1、数字手表接收收款端发送的包括待支付账户和待支付数额的支付请求，将所述支付请求发送至服务端；S1. The digital watch receives a payment request including the account to be paid and the amount to be paid sent by the payee, and sends the payment request to the server;
S2、服务端接收所述支付请求，验证所述支付请求的合法性，若验证合法，则将包括所述收款账户、所述待支付账户、所述待支付数额和交易时间信息的交易记录经过加密后生成交易区块，并将所述交易区块广播至所有记账节点上，若所述交易区块获得所有记账节点的共识，则执行步骤S3，并使得各个记账节点将所述交易区块存储在所述待支付账户下的区块链上；S2. The server receives the payment request and verifies the legality of the payment request. If the verification is legal, a transaction record including the receiving account, the account to be paid, the amount to be paid, and transaction time information will be recorded. After encryption, a transaction block is generated, and the transaction block is broadcast to all accounting nodes. If the transaction block obtains the consensus of all accounting nodes, step S3 is performed, and each accounting node is made to The transaction block is stored on the blockchain under the account to be paid;
S3、服务端从所述待支付账户上扣除与所述待支付数额相等的数字货币数量，并将所扣除的数字货币数量转移到所述收款端对应的收款账户上，生成并发送支付成功信息；S3. The server deducts the amount of digital currency equal to the amount to be paid from the account to be paid, and transfers the deducted amount of digital currency to the receiving account corresponding to the receiving terminal, and generates and sends payment. success information;
S4、数字手表接收并显示所述支付成功信息。S4. The digital watch receives and displays the payment success information.
从上述描述可知，本发明的有益效果在于：数字手表在接收收款端的支付请求后，通过服务端来验证所述支付请求的合法性，并对交易记录所形成的交易区块进行共识确认后存储在所述待支付账户下的区块链上，之后完成数字货币的扣除转移，从而实现了在智能手表上使用区块链技术所对应的数字货币进行支付，由于交易记录被存储在区块链上，以防止交易记录被篡改，从而保证了交易数据的安全性。As can be seen from the above description, the beneficial effect of the present invention is that after receiving the payment request from the payee, the digital watch verifies the legality of the payment request through the server, and performs consensus confirmation on the transaction block formed by the transaction record. It is stored on the blockchain under the account to be paid, and then the deduction and transfer of the digital currency is completed, thereby realizing the payment on the smart watch using the digital currency corresponding to the blockchain technology. Since the transaction records are stored in the block On-chain to prevent transaction records from being tampered with, thus ensuring the security of transaction data.
进一步地，所述步骤S2具体包括步骤：Further, the step S2 specifically includes the steps:
S21、数字手表生成包括数字0-9的密码选取界面，获取用户在所述密码选取界面上所选取的N位可重复的数字，判断用户所选取的N位数字和所述待支付账户所对应的用户支付密码的N位数字是否一样，若是，则执行步骤S22；S21, the digital watch generates a password selection interface including numbers 0-9, obtains N-digit repeatable numbers selected by the user on the password selection interface, and determines the N-digit number selected by the user and the account to be paid corresponds to Whether the N digits of the user payment password are the same, and if so, execute step S22;
S22、服务端接收所述支付请求，根据所述待支付账户和所述用户所选取的N位数字向所有记账节点发送支付密码请求，以获得所述所有记账节点投票后所返回的用户支付密码；S22. The server receives the payment request, and sends a payment password request to all billing nodes according to the account to be paid and the N-digit number selected by the user, so as to obtain the user returned by all the billing nodes after voting payment password;
S23、数字手表生成密码宫格，将所选取的N位数字按照大小依次填充在所述密码宫格上的前N个方格内，接收用户在所述密码宫格中按动所述方格内的数字向着空出的一个方格移动的操作指令以调整各个数字的位置直至接收到用户的密码确认请求，所述密码宫格内包括至少N+1个相邻的方格；S23. The digital watch generates a password grid, fills the selected N-digit numbers in the first N squares on the password grid in order of size, and the receiving user presses the squares in the password grid. An operation command for moving the numbers in the inside to an empty square to adjust the position of each number until a password confirmation request from the user is received, and the password square includes at least N+1 adjacent squares;
S24、数字手表接收用户的密码确认请求，将实时的密码宫格内的前N个方格内的数字按照顺序依次排列以得到密码数字序列，将包括所述密码数字序列的密码验证请求发送至服务端；S24. The digital watch receives the password confirmation request from the user, arranges the numbers in the first N squares in the real-time password grid in order to obtain the password number sequence, and sends the password verification request including the password number sequence to Server;
S25、服务端接收所述密码验证请求，判断所述密码数字序列与所述用户支付密码是否一致，若是，则所述支付请求的合法性验证通过，将包括所述收款账户、所述待支付账户、所述待支付数额和交易时间信息的交易记录经过加密后生成交易区块；S25. The server receives the password verification request, and determines whether the password number sequence is consistent with the user's payment password. If so, the validity verification of the payment request is passed, including the collection account, the pending payment The transaction record of the payment account, the amount to be paid and the transaction time information is encrypted to generate a transaction block;
S26、服务端将所述交易区块广播至所有记账节点上，若所述交易区块获得所有记账节点的共识，则执行步骤S3，并使得各个记账节点将所述交易区块存储在所述待支付账户下的区块链上。S26. The server broadcasts the transaction block to all billing nodes. If the transaction block obtains the consensus of all billing nodes, step S3 is performed, and each billing node stores the transaction block. On the blockchain under the account to be paid.
从上述描述可知，将用户支付密码放置在区块链内，以防止其被篡改，通过选取的数字和用户支付密码的数字是否相同来作为取出用户支付密码的钥匙，以防止其被泄露；通过密码宫格，使得用户需要通过一定的移动操作来达到最终的密码数字序列，以避免用户在输入密码时容易被他人非法知晓到用户支付密码；同时，用户支付密码往往不是顺序数字排列，而原始为顺序数字排列，由顺序数字排列向非顺序数字排列进行移动，对于不熟悉此操作的用户来说，容易混淆，难以在短时间内移动到需要的密码数字序列，使得就算密码数字序列被他人非法知晓，也可以保证不法分子无法通过密码数字序列进行支付，而对于经常使用该用户支付密码的用户来说，其移动所花时间较短，可以保证在较短时间内完成支付验证；由此，在数字手表不增加诸如指纹、人脸等生物识别技术的硬件设备或是增加NFC通信等硬件设备的前提下，无需借助诸如手机等其他终端设备来验证支付的合法性，就能有效保证用户使用数字手表进行支付的安全性，从而提供了一种更加便捷安全可靠的手表支付方法。It can be seen from the above description that the user's payment password is placed in the blockchain to prevent it from being tampered with, and whether the selected number is the same as the number of the user's payment password is used as the key to take out the user's payment password to prevent it from being leaked; The password grid makes the user need to achieve the final password number sequence through certain mobile operations, so as to prevent the user from being easily illegally known by others when the user enters the password. For sequential number arrangement, moving from sequential number arrangement to non-sequential number arrangement is easy to be confused for users who are not familiar with this operation, and it is difficult to move to the required password number sequence in a short time, even if the password number sequence is used by others. Illegal knowledge can also ensure that criminals cannot make payments through the password digital sequence, and for users who often use the user's payment password, the movement time is shorter, and payment verification can be completed in a shorter time; thus; , On the premise that the digital watch does not add hardware devices such as fingerprints, faces and other biometric technologies or add hardware devices such as NFC communication, it does not need to use other terminal devices such as mobile phones to verify the legitimacy of the payment, which can effectively guarantee users. The security of using a digital watch to pay, thus providing a more convenient, safe and reliable way to pay for a watch.
进一步地，所述步骤S22具体包括步骤：Further, the step S22 specifically includes the steps:
服务端接收所述支付请求，根据所述待支付账户向所有记账节点发送支付密码请求，以获得所述所有记账节点投票后所返回的用户支付密码和用户密码移动行为模型；The server receives the payment request, and sends a payment password request to all billing nodes according to the account to be paid, so as to obtain the user payment password and the user password movement behavior model returned by all the billing nodes after voting;
所述步骤S23具体包括步骤：The step S23 specifically includes the steps:
数字手表生成密码宫格，将所选取的N位数字按照大小依次填充在所述密码宫格上的前N个方格内，接收用户在所述密码宫格中按动所述方格内的数字向着空出的一个方格移动的操作指令以调整各个数字的位置直至接收到用户的密码确认请求，所述密码宫格内包括至少N+1个相邻的方格；The digital watch generates a password grid, fills the selected N-digit numbers in the first N squares on the password grid in order of size, and the receiving user presses the number in the grid in the password grid. An operation instruction for moving the numbers to an empty square to adjust the position of each number until a password confirmation request from the user is received, and the password square includes at least N+1 adjacent squares;
数字手表实时记录所述用户进入所述密码宫格后的移动时长以及所述用户移动所述方格内的数字的用户操作行为，所述用户操作行为包括用户对于数字的移动顺序；The digital watch records in real time the movement duration of the user after entering the password grid and the user operation behavior of the user moving the numbers in the grid, and the user operation behavior includes the user's movement sequence for the numbers;
所述步骤S24具体包括步骤：The step S24 specifically includes the steps:
数字手表接收用户的密码确认请求或在所述移动时长超过预设的移动阈值之后，将实时的密码宫格内的前N个方格内的数字按照顺序依次排列以得到密码数字序列，将包括所述密码数字序列和所述用户操作行为的密码验证请求发送至服务端；The digital watch receives the user's password confirmation request or after the movement duration exceeds the preset movement threshold, arranges the numbers in the first N squares in the real-time password grid in order to obtain the password number sequence, which will include The password digital sequence and the password verification request of the user operation behavior are sent to the server;
所述步骤S25具体包括步骤：The step S25 specifically includes the steps:
服务端接收所述密码验证请求，判断所述密码数字序列与所述用户支付密码是否一致，若是，将所述用户操作行为放入到所述用户密码移动行为模型，以判断所述用户对于数字的移动顺序是否符合所述待支付账户对于数字的移动规律，若是，则所述支付请求的合法性验证通过，将包括所述收款账户、所述待支付账户、所述待支付数额和交易时间信息的交易记录经过加密后生成交易区块。The server receives the password verification request, and determines whether the password number sequence is consistent with the user payment password. Whether the movement sequence of the payment is in line with the movement law of the account to be paid for numbers, if so, the validity of the payment request is verified, including the collection account, the account to be paid, the amount to be paid and the transaction. The transaction records of time information are encrypted to generate transaction blocks.
从上述描述可知，获取用户的操作行为，对用户操作行为进行验证，在用户的数字手表被得知密码数字序列的不法分子所获取之后，就算不法分子可以顺利移动到与用户支付密码对应的密码数字序列，由于每个人的操作行为均会存在出入，不法分子的操作行为也会被认为是非法行为，从而阻止不法分子对数字手表内绑定的账户里面的数字货币进行非法使用，使得用户能避免进一步的财产损失，从而进一步保证用户使用数字手表进行支付的安全性。It can be seen from the above description that the user's operation behavior is obtained and the user's operation behavior is verified. After the user's digital watch is obtained by the criminal who knows the password digital sequence, even the criminal can smoothly move to the password corresponding to the user's payment password. The digital sequence, because everyone's operation behavior will be different, the operation behavior of criminals will also be regarded as illegal behavior, thus preventing criminals from illegally using the digital currency in the account bound in the digital watch, so that users can Further property damage is avoided, thereby further ensuring the safety of the user's payment using the digital watch.
进一步地，所述步骤S21中若用户所选取的N位数字和所述待支付账户所对应的用户支付密码的N位数字不一样，则在所述密码选取界面的空格处生成并显示支付密码数字错误信息，且重新接收用户在所述密码选取界面上所选取的新的N位可重复的数字，并继续判断用户所选取的新的N位数字和所述待支付账户所对应的用户支付密码的N位数字是否一样，直到所述用户所选取的N位数字和所述待支付账户所对应的用户支付密码的N位数字一样或者生成所述支付密码数字错误信息的次数超过预设数字错误次数，若生成所述支付密码数字错误信息的次数超过预设数字错误次数，则在预设数字输入间隔时间内不再接收用户在所述密码选取界面上所选取的数字；Further, in the step S21, if the N-digit number selected by the user is different from the N-digit number of the user's payment password corresponding to the account to be paid, then the payment password is generated and displayed in the space of the password selection interface. Number error message, and re-receive the new N-digit repeatable number selected by the user on the password selection interface, and continue to judge the new N-digit number selected by the user and the user payment corresponding to the account to be paid Whether the N-digit numbers of the password are the same, until the N-digit number selected by the user is the same as the N-digit number of the user's payment password corresponding to the account to be paid or the number of times of generating the digital error message of the payment password exceeds the preset number The number of errors, if the number of times of generating the digital error message of the payment password exceeds the preset number of errors, the number selected by the user on the password selection interface will not be received within the preset number input interval;
所述步骤S25中若所述密码数字序列与所述用户支付密码不一致，则服务端生成并返回支付密码顺序错误指令，且重新接收新的密码验证请求，并继续判断新的密码数字序列与所述用户支付密码是否一致，直到新的密码数字序列与所述用户支付密码一致或者生成所述支付密码顺序错误指令的次数超过预设数字顺序次数，若生成所述支付密码顺序错误指令的次数超过预设数字顺序次数，则发送控制数字手表在预设数字移动间隔时间内禁止用户在所述密码宫格上对方格内的数字进行移动的密码锁定指令。In the step S25, if the password sequence is inconsistent with the user's payment password, the server generates and returns a payment password sequence error instruction, and re-receives a new password verification request, and continues to determine whether the new password sequence is consistent with the payment password. Whether the user payment password is consistent, until the new password number sequence is consistent with the user payment password or the number of times of generating the wrong order of the payment password exceeds the preset number of times of order, if the number of generating the wrong order of the payment password exceeds the number of times If the number of sequence numbers is preset, a password locking instruction is sent to control the digital watch to prohibit the user from moving the numbers in the grid on the password grid within the preset number movement interval.
从上述描述可知，设置次数来避免不法分子通过多次尝试来解开密码，在上述处于锁定的过程中，可以通过绑定的支付账户所在的手机端上指纹、人脸以及密码输入等安全验证技术进行解锁确认，从而使得用户在遗忘或误操作等前提下也能保证用户使用数字手表上的数字货币进行支付。It can be seen from the above description that the number of times is set to prevent criminals from unlocking the password through multiple attempts. During the above locked process, security verification such as fingerprint, face and password input can be performed on the mobile phone where the bound payment account is located. The technology is used to unlock and confirm, so that the user can ensure that the user can use the digital currency on the digital watch to pay under the premise of forgetting or misoperation.
进一步地，所述步骤S2具体包括步骤：Further, the step S2 specifically includes the steps:
数字手表生成包括数字0-9的密码选取界面，获取用户在所述密码选取界面上所选取的待验证支付密码，判断所述待验证支付密码和所述待支付账户所对应的用户支付密码是否一样，若一样，则发送所述待验证支付密码给服务端；The digital watch generates a password selection interface including numbers 0-9, obtains the payment password to be verified selected by the user on the password selection interface, and determines whether the payment password to be verified and the user payment password corresponding to the account to be paid are not. If the same, send the payment password to be verified to the server;
服务端接收所述支付请求和所述待验证支付密码，根据所述待支付账户和所述用户所选取的待验证支付密码向所有记账节点发送支付密码请求，以获得所述所有记账节点投票后所返回的用户支付密码和用户预设运算规则；The server receives the payment request and the payment password to be verified, and sends a payment password request to all accounting nodes according to the account to be paid and the payment password to be verified selected by the user, so as to obtain all the accounting nodes User payment password and user preset algorithm returned after voting;
服务端将所述待验证支付密码按照所述用户预设运算规则进行处理，以得到最终验证支付密码，判断所述最终验证支付密码与所述用户支付密码是否一致，若是，则所述支付请求的合法性验证通过，将包括所述收款账户、所述待支付账户、所述待支付数额和交易时间信息的交易记录经过加密后生成交易区块，并将所述交易区块广播至所有记账节点上，若所述交易区块获得所有记账节点的共识，则执行步骤S3，并使得各个记账节点将所述交易区块存储在所述待支付账户下的区块链上，所述用户预设运算规则包括所有数字统一左移、所有数字统数字右移以及每一位数字进行十以内的加或减或乘或除之后所得到结果的个位数。The server processes the to-be-verified payment password according to the user's preset operation rules to obtain the final verified payment password, and judges whether the final verified payment password is consistent with the user's payment password, and if so, the payment request The legality verification of the transaction block is passed, and the transaction record including the collection account, the account to be paid, the amount to be paid and the transaction time information is encrypted to generate a transaction block, and the transaction block is broadcast to all On the accounting node, if the transaction block obtains the consensus of all accounting nodes, step S3 is performed, and each accounting node is made to store the transaction block on the blockchain under the account to be paid, The user-preset operation rule includes a uniform left shift of all numbers, a right shift of all numbers, and the single digit of the result obtained after each digit is added or subtracted, multiplied or divided within ten.
从上述描述可知，对于在一些情况下，用户由于不小心泄露了其常用的支付密码，被不法分子得知后直接输入该支付密码就可以非法使用用户的数字货币，通过上述的用户预设运算规则，在用户不小心泄露支付密码的情况下，也能在一定程度上保证用户账号的数字货币，从而也能保证用户使用数字手表进行支付的安全性。It can be seen from the above description that in some cases, the user may use the user's digital currency illegally by directly inputting the payment password after being known by the criminals because he accidentally leaked his commonly used payment password. According to the rules, in the case where the user accidentally leaks the payment password, the digital currency of the user account can also be guaranteed to a certain extent, so as to ensure the security of the user's payment using the digital watch.
请参照图5，一种数字手表支付系统，包括数字手表以及服务端，所述数字手表包括第一存储器、第一处理器及存储在第一存储器上并可在第一处理器上运行的第一计算机程序，所述服务端包括第二存储器、第二处理器及存储在第二存储器上并可在第二处理器上运行的第二计算机程序，所述第一处理器执行所述第一计算机程序时实现以下步骤：Please refer to FIG. 5, a digital watch payment system, including a digital watch and a server, the digital watch includes a first memory, a first processor and a first memory stored in the first memory and running on the first processor. A computer program, the server includes a second memory, a second processor, and a second computer program stored on the second memory and executable on the second processor, the first processor executing the first computer program The computer program implements the following steps:
S1、接收收款端发送的包括待支付账户和待支付数额的支付请求，将所述支付请求发送至服务端；S1, receiving the payment request including the account to be paid and the amount to be paid sent by the payee, and sending the payment request to the server;
S4、接收并显示支付成功信息；S4. Receive and display payment success information;
所述第二处理器执行所述第二计算机程序时实现以下步骤：The second processor implements the following steps when executing the second computer program:
S2、接收所述支付请求，验证所述支付请求的合法性，若验证合法，则将包括所述收款账户、所述待支付账户、所述待支付数额和交易时间信息的交易记录经过加密后生成交易区块，并将所述交易区块广播至所有记账节点上，若所述交易区块获得所有记账节点的共识，则执行步骤S3，并使得各个记账节点将所述交易区块存储在所述待支付账户下的区块链上；S2. Receive the payment request, verify the legality of the payment request, and if the verification is legal, encrypt the transaction record including the payment account, the account to be paid, the amount to be paid and transaction time information Then, a transaction block is generated, and the transaction block is broadcast to all billing nodes. If the transaction block obtains the consensus of all billing nodes, step S3 is executed, and each billing node is made to transfer the transaction. Blocks are stored on the blockchain under the account to be paid;
S3、从所述待支付账户上扣除与所述待支付数额相等的数字货币数量，并将所扣除的数字货币数量转移到所述收款端对应的收款账户上，生成并发送支付成功信息。S3. Deduct the amount of digital currency equal to the amount to be paid from the account to be paid, and transfer the deducted amount of digital currency to the receiving account corresponding to the receiving end, and generate and send payment success information .
从上述描述可知，本发明的有益效果在于：数字手表在接收收款端的支付请求后，通过服务端来验证所述支付请求的合法性，并对交易记录所形成的交易区块进行共识确认后存储在所述待支付账户下的区块链上，之后完成数字货币的扣除转移，从而实现了在智能手表上使用区块链技术所对应的数字货币进行支付，由于交易记录被存储在区块链上，以防止交易记录被篡改，从而保证了交易数据的安全性。As can be seen from the above description, the beneficial effect of the present invention is that after receiving the payment request from the payee, the digital watch verifies the legality of the payment request through the server, and performs consensus confirmation on the transaction block formed by the transaction record. It is stored on the blockchain under the account to be paid, and then the deduction and transfer of the digital currency is completed, thereby realizing the payment on the smart watch using the digital currency corresponding to the blockchain technology. Since the transaction records are stored in the block On-chain to prevent transaction records from being tampered with, thus ensuring the security of transaction data.
进一步地，在执行所述步骤S2时，所述第一处理器执行所述第一计算机程序时还实现以下步骤：Further, when executing the step S2, the first processor also implements the following steps when executing the first computer program:
S21、生成包括数字0-9的密码选取界面，获取用户在所述密码选取界面上所选取的N位可重复的数字，判断用户所选取的N位数字和所述待支付账户所对应的用户支付密码的N位数字是否一样，若是，则执行步骤S22；S21, generate a password selection interface including numbers 0-9, obtain N-digit repeatable numbers selected by the user on the password selection interface, and determine the N-digit number selected by the user and the user corresponding to the account to be paid Check whether the N digits of the payment password are the same, if so, go to step S22;
S23、生成密码宫格，将所选取的N位数字按照大小依次填充在所述密码宫格上的前N个方格内，接收用户在所述密码宫格中按动所述方格内的数字向着空出的一个方格移动的操作指令以调整各个数字的位置直至接收到用户的密码确认请求，所述密码宫格内包括至少N+1个相邻的方格；S23, generating a password grid, filling the selected N-digit numbers in the first N squares on the password grid in turn according to size, and receiving the user pressing the number in the grid in the password grid An operation instruction for moving the numbers to an empty square to adjust the position of each number until a password confirmation request from the user is received, and the password square includes at least N+1 adjacent squares;
S24、接收用户的密码确认请求，将实时的密码宫格内的前N个方格内的数字按照顺序依次排列以得到密码数字序列，将包括所述密码数字序列的密码验证请求发送至服务端；S24, receiving the password confirmation request from the user, arranging the numbers in the first N squares in the real-time password grid in order to obtain the password number sequence, and sending the password verification request including the password number sequence to the server ;
所述第二处理器执行所述第二计算机程序的所述步骤S2时具体实现以下步骤：When the second processor executes the step S2 of the second computer program, the following steps are specifically implemented:
S22、接收所述支付请求，根据所述待支付账户和所述用户所选取的N位数字向所有记账节点发送支付密码请求，以获得所述所有记账节点投票后所返回的用户支付密码；S22. Receive the payment request, and send a payment password request to all accounting nodes according to the account to be paid and the N-digit number selected by the user, so as to obtain the user payment password returned by all the accounting nodes after voting ;
S25、接收所述密码验证请求，判断所述密码数字序列与所述用户支付密码是否一致，若是，则所述支付请求的合法性验证通过，将包括所述收款账户、所述待支付账户、所述待支付数额和交易时间信息的交易记录经过加密后生成交易区块；S25. Receive the password verification request, and determine whether the password number sequence is consistent with the user's payment password. If so, the legality verification of the payment request is passed, including the collection account and the to-be-paid account. , The transaction record of the amount to be paid and the transaction time information is encrypted to generate a transaction block;
S26、将所述交易区块广播至所有记账节点上，若所述交易区块获得所有记账节点的共识，则执行步骤S3，并使得各个记账节点将所述交易区块存储在所述待支付账户下的区块链上。S26. Broadcast the transaction block to all accounting nodes. If the transaction block obtains the consensus of all accounting nodes, perform step S3, and make each accounting node store the transaction block in all accounting nodes. on the blockchain under the account to be paid.
从上述描述可知，将用户支付密码放置在区块链内，以防止其被篡改，通过选取的数字和用户支付密码的数字是否相同来作为取出用户支付密码的钥匙，以防止其被泄露；通过密码宫格，使得用户需要通过一定的移动操作来达到最终的密码数字序列，以避免用户在输入密码时容易被他人非法知晓到用户支付密码；同时，用户支付密码往往不是顺序数字排列，而原始为顺序数字排列，由顺序数字排列向非顺序数字排列进行移动，对于不熟悉此操作的用户来说，容易混淆，难以在短时间内移动到需要的密码数字序列，使得就算密码数字序列被他人非法知晓，也可以保证不法分子无法通过密码数字序列进行支付，由此，在数字手表不增加诸如指纹、人脸等生物识别技术的硬件设备或是增加NFC通信等硬件设备的前提下，无需借助诸如手机等其他终端设备来验证支付的合法性，就能有效保证用户在支付过程中的安全性能，从而提供了一种更加便捷安全可靠的手表支付方法。It can be seen from the above description that the user's payment password is placed in the blockchain to prevent it from being tampered with, and whether the selected number is the same as the number of the user's payment password is used as the key to take out the user's payment password to prevent it from being leaked; The password grid makes the user need to achieve the final password number sequence through certain mobile operations, so as to prevent the user from being easily illegally known by others when the user enters the password. For sequential number arrangement, moving from sequential number arrangement to non-sequential number arrangement is easy to be confused for users who are not familiar with this operation, and it is difficult to move to the required password number sequence in a short time, even if the password number sequence is used by others. Illegal knowledge can also ensure that criminals cannot make payments through the password digital sequence. Therefore, on the premise that the digital watch does not add hardware devices such as fingerprints, faces and other biometric technologies or add hardware devices such as NFC communication, there is no need to resort to Using other terminal devices such as mobile phones to verify the legitimacy of the payment can effectively ensure the safety performance of the user during the payment process, thereby providing a more convenient, safe and reliable watch payment method.
进一步地，所述第二处理器执行所述第二计算机程序的所述步骤S22时具体实现以下步骤：Further, when the second processor executes the step S22 of the second computer program, the following steps are specifically implemented:
接收所述支付请求，根据所述待支付账户向所有记账节点发送支付密码请求，以获得所述所有记账节点投票后所返回的用户支付密码和用户密码移动行为模型；Receive the payment request, and send a payment password request to all billing nodes according to the account to be paid, so as to obtain the user payment password and the user password movement behavior model returned by all the billing nodes after voting;
所述第一处理器执行所述第一计算机程序的所述步骤S23时具体实现以下步骤：When the first processor executes the step S23 of the first computer program, the following steps are specifically implemented:
生成密码宫格，将所选取的N位数字按照大小依次填充在所述密码宫格上的前N个方格内，接收用户在所述密码宫格中按动所述方格内的数字向着空出的一个方格移动的操作指令以调整各个数字的位置直至接收到用户的密码确认请求，所述密码宫格内包括至少N+1个相邻的方格；Generate a password grid, fill the selected N-digit numbers in the first N squares on the password grid in turn according to size, and the receiving user presses the numbers in the grid to move toward the password grid. An operation instruction for moving an empty square to adjust the position of each number until a password confirmation request from the user is received, and the password square includes at least N+1 adjacent squares;
实时记录所述用户进入所述密码宫格后的移动时长以及所述用户移动所述方格内的数字的用户操作行为，所述用户操作行为包括用户对于数字的移动顺序；Record in real time the movement duration of the user after entering the password grid and the user operation behavior of the user moving the numbers in the grid, where the user operation behavior includes the user's movement sequence for the numbers;
所述第一处理器执行所述第一计算机程序的所述步骤S24时具体实现以下步骤：When the first processor executes the step S24 of the first computer program, the following steps are specifically implemented:
接收用户的密码确认请求或在所述移动时长超过预设的移动阈值之后，将实时的密码宫格内的前N个方格内的数字按照顺序依次排列以得到密码数字序列，将包括所述密码数字序列和所述用户操作行为的密码验证请求发送至服务端；After receiving the user's password confirmation request or after the movement duration exceeds the preset movement threshold, arrange the numbers in the first N squares in the real-time password grid in order to obtain a password number sequence, which will include the The password number sequence and the password verification request of the user's operation behavior are sent to the server;
所述第二处理器执行所述第二计算机程序的所述步骤S25时具体实现以下步骤：When the second processor executes the step S25 of the second computer program, the following steps are specifically implemented:
接收所述密码验证请求，判断所述密码数字序列与所述用户支付密码是否一致，若是，将所述用户操作行为放入到所述用户密码移动行为模型，以判断所述用户对于数字的移动顺序是否符合所述待支付账户对于数字的移动规律，若是，则所述支付请求的合法性验证通过，将包括所述收款账户、所述待支付账户、所述待支付数额和交易时间信息的交易记录经过加密后生成交易区块。Receive the password verification request, determine whether the password number sequence is consistent with the user payment password, and if so, put the user operation behavior into the user password movement behavior model to determine the user's movement of numbers Whether the sequence conforms to the movement law of the account to be paid for numbers, if so, the validity of the payment request is verified, including the collection account, the account to be paid, the amount to be paid and transaction time information The transaction records are encrypted to generate transaction blocks.
从上述描述可知，获取用户的操作行为，对用户操作行为进行验证，在用户的数字手表被得知密码数字序列的不法分子所获取之后，就算不法分子可以顺利移动到与用户支付密码对应的密码数字序列，由于每个人的操作行为均会存在出入，不法分子的操作行为也会被认为是非法行为，从而阻止不法分子对数字手表内绑定的账户里面的数字货币进行非法使用，使得用户能避免进一步的财产损失，从而进一步保证用户使用数字手表进行支付的安全性。It can be seen from the above description that the user's operation behavior is obtained and the user's operation behavior is verified. After the user's digital watch is obtained by the criminal who knows the password digital sequence, even the criminal can smoothly move to the password corresponding to the user's payment password. The digital sequence, because everyone's operation behavior will be different, the operation behavior of criminals will also be regarded as illegal behavior, thus preventing criminals from illegally using the digital currency in the account bound in the digital watch, so that users can Further property damage is avoided, thereby further ensuring the safety of the user's payment using the digital watch.
进一步地，所述第一处理器执行所述第一计算机程序的所述步骤S21时还实现以下步骤：Further, when the first processor executes the step S21 of the first computer program, the following steps are also implemented:
若用户所选取的N位数字和所述待支付账户所对应的用户支付密码的N位数字不一样，则在所述密码选取界面的空格处生成并显示支付密码数字错误信息，且重新接收用户在所述密码选取界面上所选取的新的N位可重复的数字，并继续判断用户所选取的新的N位数字和所述待支付账户所对应的用户支付密码的N位数字是否一样，直到所述用户所选取的N位数字和所述待支付账户所对应的用户支付密码的N位数字一样或者生成所述支付密码数字错误信息的次数超过预设数字错误次数，若生成所述支付密码数字错误信息的次数超过预设数字错误次数，则在预设数字输入间隔时间内不再接收用户在所述密码选取界面上所选取的数字；If the N-digit number selected by the user is different from the N-digit number of the user's payment password corresponding to the account to be paid, an error message of the payment password number will be generated and displayed in the blank space of the password selection interface, and the user will be re-accepted. The new N-digit repeatable number selected on the password selection interface, and continue to judge whether the new N-digit number selected by the user is the same as the N-digit number of the user's payment password corresponding to the account to be paid, Until the N-digit number selected by the user is the same as the N-digit number of the user's payment password corresponding to the account to be paid or the number of times of generating the digital error information of the payment password exceeds the preset number of errors, if the payment is generated If the number of incorrect password numbers exceeds the preset number of incorrect numbers, the number selected by the user on the password selection interface is no longer received within the preset number input interval;
所述第二处理器执行所述第二计算机程序的所述步骤S25时还实现以下步骤：When the second processor executes the step S25 of the second computer program, the following steps are also implemented:
若所述密码数字序列与所述用户支付密码不一致，则生成并返回支付密码顺序错误指令，且重新接收新的密码验证请求，并继续判断新的密码数字序列与所述用户支付密码是否一致，直到新的密码数字序列与所述用户支付密码一致或者生成所述支付密码顺序错误指令的次数超过预设数字顺序次数，若生成所述支付密码顺序错误指令的次数超过预设数字顺序次数，则发送控制数字手表在预设数字移动间隔时间内禁止用户在所述密码宫格上对方格内的数字进行移动的密码锁定指令。If the password number sequence is inconsistent with the user payment password, generate and return a payment password sequence error instruction, and re-receive a new password verification request, and continue to judge whether the new password number sequence is consistent with the user payment password, Until the new password number sequence is consistent with the user's payment password or the number of times of generating the wrong order of the payment password exceeds the preset number of times, if the number of times of generating the wrong order of the payment password exceeds the preset number of numbers, then Sending a password locking instruction that controls the digital watch to prohibit the user from moving the numbers in the grid on the password grid within the preset number movement interval.
从上述描述可知，设置次数来避免不法分子通过多次尝试来解开密码，在上述处于锁定的过程中，可以通过绑定的支付账户所在的手机端上指纹、人脸以及密码输入等安全验证技术进行解锁确认，从而使得用户在遗忘或误操作等前提下也能保证用户使用数字手表上的数字货币进行支付。It can be seen from the above description that the number of times is set to prevent criminals from unlocking the password through multiple attempts. During the above locked process, security verification such as fingerprint, face and password input can be performed on the mobile phone where the bound payment account is located. The technology is used to unlock and confirm, so that the user can ensure that the user can use the digital currency on the digital watch to pay under the premise of forgetting or misoperation.
进一步地，在执行所述步骤S2时，所述第一处理器执行所述第一计算机程序时还实现以下步骤：Further, when executing the step S2, the first processor also implements the following steps when executing the first computer program:
生成包括数字0-9的密码选取界面，获取用户在所述密码选取界面上所选取的待验证支付密码，判断所述待验证支付密码和所述待支付账户所对应的用户支付密码是否一样，若一样，则发送所述待验证支付密码给服务端；Generate a password selection interface including numbers 0-9, obtain the payment password to be verified selected by the user on the password selection interface, and determine whether the payment password to be verified is the same as the user payment password corresponding to the account to be paid, If the same, send the payment password to be verified to the server;
所述第二处理器执行所述第二计算机程序的所述步骤S2时具体实现以下步骤：When the second processor executes the step S2 of the second computer program, the following steps are specifically implemented:
接收所述支付请求和所述待验证支付密码，根据所述待支付账户和所述用户所选取的待验证支付密码向所有记账节点发送支付密码请求，以获得所述所有记账节点投票后所返回的用户支付密码和用户预设运算规则；Receive the payment request and the payment password to be verified, and send a payment password request to all billing nodes according to the account to be paid and the payment password to be verified selected by the user, so as to obtain the votes of all the billing nodes. The returned user payment password and user preset algorithm;
将所述待验证支付密码按照所述用户预设运算规则进行处理，以得到最终验证支付密码，判断所述最终验证支付密码与所述用户支付密码是否一致，若是，则所述支付请求的合法性验证通过，将包括所述收款账户、所述待支付账户、所述待支付数额和交易时间信息的交易记录经过加密后生成交易区块，并将所述交易区块广播至所有记账节点上，若所述交易区块获得所有记账节点的共识，则执行步骤S3，并使得各个记账节点将所述交易区块存储在所述待支付账户下的区块链上，所述用户预设运算规则包括所有数字统一左移、所有数字统数字右移以及每一位数字进行十以内的加或减或乘或除之后所得到结果的个位数。The to-be-verified payment password is processed according to the user's preset operation rules to obtain the final verified payment password, and it is judged whether the final verified payment password is consistent with the user's payment password, and if so, the payment request is legal If the property verification is passed, the transaction record including the collection account, the account to be paid, the amount to be paid and the transaction time information is encrypted to generate a transaction block, and the transaction block is broadcast to all bookkeepers On the node, if the transaction block obtains the consensus of all billing nodes, step S3 is executed, and each billing node is made to store the transaction block on the blockchain under the account to be paid, and the User preset operation rules include uniform left shift of all numbers, right shift of all numbers, and the single digit of the result obtained after each digit is added or subtracted, multiplied or divided within ten.
从上述描述可知，对于在一些情况下，用户由于不小心泄露了其常用的支付密码，被不法分子得知后直接输入该支付密码就可以非法使用用户的数字货币，通过上述的用户预设运算规则，在用户不小心泄露支付密码的情况下，也能在一定程度上保证用户账号的数字货币，从而也能保证用户使用数字手表进行支付的安全性。It can be seen from the above description that in some cases, the user may use the user's digital currency illegally by directly inputting the payment password after being known by the criminals because he accidentally leaked his commonly used payment password. According to the rules, in the case where the user accidentally leaks the payment password, the digital currency of the user account can also be guaranteed to a certain extent, so as to ensure the security of the user's payment using the digital watch.
请参照图1至图4，本发明的实施例一为：Please refer to FIG. 1 to FIG. 4 , the first embodiment of the present invention is:
一种基于区块链数字货币的支付方法，一种基于区块链数字货币的支付方法，包括步骤：A payment method based on blockchain digital currency, a payment method based on blockchain digital currency, comprising steps:
S1、数字手表接收收款端发送的包括待支付账户和待支付数额的支付请求，将支付请求发送至服务端；S1. The digital watch receives the payment request including the account to be paid and the amount to be paid sent by the receiver, and sends the payment request to the server;
S2、服务端接收支付请求，验证支付请求的合法性，若验证合法，则将包括收款账户、待支付账户、待支付数额和交易时间信息的交易记录经过加密后生成交易区块，并将交易区块广播至所有记账节点上，若交易区块获得所有记账节点的共识，则执行步骤S3，并使得各个记账节点将交易区块存储在待支付账户下的区块链上；S2. The server receives the payment request and verifies the legality of the payment request. If the verification is legal, the transaction records including the receiving account, the account to be paid, the amount to be paid and the transaction time information will be encrypted to generate a transaction block, and the transaction block will be generated. The transaction block is broadcast to all accounting nodes. If the transaction block obtains the consensus of all accounting nodes, step S3 is performed, and each accounting node is made to store the transaction block on the blockchain under the account to be paid;
在本实施例中，步骤S2具体为：In this embodiment, step S2 is specifically:
S21、数字手表生成包括数字0-9的密码选取界面，获取用户在密码选取界面上所选取的N位可重复的数字，判断用户所选取的N位数字和待支付账户所对应的用户支付密码的N位数字是否一样，若是，则执行步骤S22；S21. The digital watch generates a password selection interface including numbers 0-9, obtains N-digit repeatable numbers selected by the user on the password selection interface, and determines the N-digit number selected by the user and the user payment password corresponding to the account to be paid Whether the N-digit numbers are the same, if so, execute step S22;
若用户所选取的N位数字和待支付账户所对应的用户支付密码的N位数字不一样，则在密码选取界面的空格处生成并显示支付密码数字错误信息，且重新接收用户在密码选取界面上所选取的新的N位可重复的数字，并继续判断用户所选取的新的N位数字和待支付账户所对应的用户支付密码的N位数字是否一样，直到用户所选取的N位数字和待支付账户所对应的用户支付密码的N位数字一样或者生成支付密码数字错误信息的次数超过预设数字错误次数，若生成支付密码数字错误信息的次数超过预设数字错误次数，则在预设数字输入间隔时间内不再接收用户在密码选取界面上所选取的数字；If the N-digit number selected by the user is different from the N-digit number of the user's payment password corresponding to the account to be paid, an error message of the payment password number will be generated and displayed in the blank space of the password selection interface, and the user's password selection interface will be re-received. The new N-digit repeatable number selected by the user, and continue to judge whether the new N-digit number selected by the user is the same as the N-digit number of the user's payment password corresponding to the account to be paid, until the N-digit number selected by the user. It is the same as the N-digit number of the user's payment password corresponding to the account to be paid or the number of times of generating the digital error message of the payment password exceeds the preset number of errors. Set the number selected by the user on the password selection interface to no longer be received within the number input interval;
如图2所示，密码选取界面包括数字0-9，以及常用的取消键和确认键，在本实施例中，假设N为8，用户支付密码为93146832，则用户支付密码的八位数字分别为1、2、3、3、4、6、8和9；用户在密码选取界面依次按下1、2、3、3、4、6、8和9后，则执行步骤S22；若用户在密码选取界面依次按下1、2、3、4、5、6、8和9，八位数字和用户支付密码的八位数字不同，则为错误，错误次数超过三次的话，则锁定24小时，当然，可以借助绑定了对应支付账户的手机端进行解锁，以完成后续的支付；As shown in Figure 2, the password selection interface includes numbers 0-9, as well as commonly used cancel keys and confirmation keys. In this embodiment, assuming that N is 8 and the user payment password is 93146832, the eight digits of the user payment password are respectively are 1, 2, 3, 3, 4, 6, 8 and 9; after the user presses 1, 2, 3, 3, 4, 6, 8 and 9 in sequence on the password selection interface, step S22 is executed; In the password selection interface,
S22、服务端接收支付请求，根据待支付账户向所有记账节点发送支付密码请求，以获得所有记账节点投票后所返回的用户支付密码和用户密码移动行为模型；S22, the server receives the payment request, and sends a payment password request to all accounting nodes according to the account to be paid, so as to obtain the user payment password and the user password movement behavior model returned by all accounting nodes after voting;
S23、数字手表生成密码宫格，将所选取的N位数字按照大小依次填充在密码宫格上的前N个方格内，接收用户在密码宫格中按动方格内的数字向着空出的一个方格移动的操作指令以调整各个数字的位置直至接收到用户的密码确认请求，密码宫格内包括至少N+1个相邻的方格；S23. The digital watch generates a password grid, fills the selected N-digit numbers in the first N squares on the password grid in order of size, and the receiving user presses the numbers in the squares in the password grid to empty out. An operation instruction to move a square of the digit to adjust the position of each number until the password confirmation request from the user is received, and the password grid includes at least N+1 adjacent squares;
数字手表实时记录用户进入密码宫格后的移动时长以及用户移动方格内的数字的用户操作行为，用户操作行为包括用户对于数字的移动顺序；The digital watch records in real time the duration of the user's movement after entering the password grid and the user's operation behavior of moving the numbers in the grid, including the user's movement sequence of the numbers;
如图3所示，用户支付密码的八位数字分别为1、2、3、3、4、6、8和9按照大小依次填充在密码宫格上的前八个方格内，此时，用户可以先考虑将数字9从图3的位置移动到图4的位置，用户可以依次将数字6下移、数字4右移、数字3右移、数字8上移和数字9左移之后，数字9的位置就移动到图3中原数字8的位置，原数字9的位置就空出了，此时，数字3下移，数字8右移和数字9上移之后，数字9的位置就移动到图3中原数字3的位置，此时，数字3左移，数字8和数字2依次下移，数字1右移，数字9上移后，数字9的位置就移动到图3中原数字1的位置，与图4中的数字9的位置便一致，其余数字的移动依次类推；其中，在图3的初始情况下，也可以先考虑将数字9移动到图3中数字4的位置或数字6的位置，在数字9的位置移动到图3中原数字8的位置后，也可以考虑数字6左移、数字4下移、数字3和8依次右移的移动顺序，而在数字9的位置就移动到图3中原数字3的位置时，也可以在数字3左移后左移数字4，在依次下移数字4和数字3的之后右移数字2和数字1，这还不包括用户的无效操作和误操作；由此可知，可以通过多种多样的移动顺序来达到最终的用户支付密码，即用户操作行为具有多样性。As shown in Figure 3, the eight digits of the user's payment password are 1, 2, 3, 3, 4, 6, 8, and 9, which are filled in the first eight squares on the password grid in order of size. At this time, The user can first consider moving the
对于经常使用该密码的用户来说，减少了思考的时间、停顿的时间和无效操作或误操作的时间，且能按照自身习惯的移动轨迹进行自然而然的快速移动，所以可以在较短的时间内将数字移动到所需要的序列。而对于不法分子来说，就算最终能移动到合适的密码数字序列，在移动时长和移动顺序上也会有较为明显的出入，难以和合法用户的移动时长和移动顺序相对应，从而借此来判断是否为用户的合法支付行为；For users who often use this password, the time for thinking, the time for pause, and the time for invalid operations or misoperations are reduced, and they can move quickly and naturally according to their own habitual movement trajectory, so they can be used in a short period of time. Move the numbers to the desired sequence. For criminals, even if they can finally move to the appropriate password number sequence, there will be obvious differences in the movement duration and movement order, which is difficult to correspond to the movement duration and movement order of legitimate users. Determine whether it is the legitimate payment behavior of the user;
S24、数字手表接收用户的密码确认请求或在移动时长超过预设的移动阈值之后，将实时的密码宫格内的前N个方格内的数字按照顺序依次排列以得到密码数字序列，将包括密码数字序列和用户操作行为的密码验证请求发送至服务端；S24, the digital watch receives the password confirmation request from the user or after the movement duration exceeds the preset movement threshold, arranges the numbers in the first N squares in the real-time password grid in order to obtain the password number sequence, which will include The password verification request of the password number sequence and the user's operation behavior is sent to the server;
如图4所示，即用户通过移动得到图4中的图像之后，按下确认键，此时，实时的密码宫格内的前八个方格内的数字按照顺序依次排列所得到密码数字序列为93146832，将密码数字序列为93146832发送至服务端进行验证；As shown in Figure 4, that is, after the user obtains the image in Figure 4 by moving, and then presses the confirmation key, at this time, the numbers in the first eight squares in the real-time password grid are arranged in order to obtain the password sequence. For 93146832, send the password number sequence 93146832 to the server for verification;
S25、服务端接收密码验证请求，判断密码数字序列与用户支付密码是否一致，若是，将用户操作行为放入到用户密码移动行为模型，以判断用户对于数字的移动顺序是否符合待支付账户对于数字的移动规律，若是，则支付请求的合法性验证通过，将包括收款账户、待支付账户、待支付数额和交易时间信息的交易记录经过加密后生成交易区块；S25. The server receives the password verification request, and determines whether the password sequence is consistent with the user's payment password, and if so, puts the user's operation behavior into the user's password movement behavior model to determine whether the user's movement sequence for the numbers conforms to the account to be paid for the numbers. If yes, the legality of the payment request is verified, and the transaction records including the receiving account, the account to be paid, the amount to be paid and the transaction time information are encrypted to generate a transaction block;
若密码数字序列与用户支付密码不一致，则服务端生成并返回支付密码顺序错误指令，且重新接收新的密码验证请求，并继续判断新的密码数字序列与用户支付密码是否一致，直到新的密码数字序列与用户支付密码一致或者生成支付密码顺序错误指令的次数超过预设数字顺序次数，若生成支付密码顺序错误指令的次数超过预设数字顺序次数，则发送控制数字手表在预设数字移动间隔时间内禁止用户在密码宫格上对方格内的数字进行移动的密码锁定指令；If the password number sequence is inconsistent with the user's payment password, the server generates and returns the payment password sequence error instruction, and re-receives a new password verification request, and continues to judge whether the new password number sequence is consistent with the user's payment password until the new password The number sequence is consistent with the user's payment password or the number of times the wrong order of the payment password is generated exceeds the preset number of times of the order of numbers. If the number of times of the order of the wrong order of the payment password is more than the number of times of the preset number of orders, the digital watch will be sent to control the movement of the digital watch at the preset number of intervals. The password lock instruction that prohibits the user from moving the numbers in the grid on the password grid within a certain time;
当服务端接收到密码数字序列为93146832，与用户支付密码一致之后，对用户操作行为和移动时长进行进一步的判断，以识别出他人非法操作行为，保证用户账号的安全；而当服务端接收到密码数字序列不是93146832，则为错误，在错误次数达到三次的情况下，锁定24小时，当然，可以借助绑定了对应支付账户的手机端进行解锁，以完成后续的支付；When the server receives the password number sequence of 93146832, which is consistent with the user's payment password, it further judges the user's operation behavior and movement duration to identify the illegal operation of others and ensure the security of the user account; and when the server receives If the password number sequence is not 93146832, it is an error. If the number of errors reaches three times, it will be locked for 24 hours. Of course, it can be unlocked with the help of the mobile phone bound with the corresponding payment account to complete the subsequent payment;
S26、服务端将交易区块广播至所有记账节点上，若交易区块获得所有记账节点的共识，则执行步骤S3，并使得各个记账节点将交易区块存储在待支付账户下的区块链上。S26. The server broadcasts the transaction block to all accounting nodes. If the transaction block obtains the consensus of all accounting nodes, step S3 is performed, and each accounting node is made to store the transaction block in the account to be paid. on the blockchain.
S3、服务端从待支付账户上扣除与待支付数额相等的数字货币数量，并将所扣除的数字货币数量转移到收款端对应的收款账户上，生成并发送支付成功信息；S3. The server deducts the amount of digital currency equal to the amount to be paid from the account to be paid, and transfers the deducted amount of digital currency to the receiving account corresponding to the receiving end, and generates and sends payment success information;
S4、数字手表接收并显示支付成功信息。S4. The digital watch receives and displays the payment success information.
在其他等同实施例中，用户支付密码可以为六、七等其他数值，对应的密码宫格的方格数量至少要大于用户支付密码的位数，以供用户操作移动；另外，本发明的支付方法作为一种可选的支付确认方式，可以与现有的其他支付方法一起提供用户选择，对于在没有移动终端、没有其他硬件设备的智能手表的用户来说，可以作为一种安全可靠的支付方式进行消费，而对于没有其他硬件设备的智能手表但有移动终端的用户来说，可以脱离移动终端进行安全可靠的支付，而移动终端作为兜底方案，以保证用户的正常支付行为。In other equivalent embodiments, the user payment password may be other values such as six, seven, etc., and the number of squares in the corresponding password square should be at least greater than the number of digits of the user payment password for the user to operate and move; in addition, the payment method of the present invention As an optional payment confirmation method, the method can provide user selection together with other existing payment methods. For users of smart watches without mobile terminals and other hardware devices, it can be used as a safe and reliable payment. For users who have smart watches without other hardware devices but have mobile terminals, they can make safe and reliable payments without the mobile terminals, and the mobile terminals are used as a bottom-up solution to ensure the normal payment behavior of users.
请参照图1，本发明的实施例二为：Please refer to Fig. 1, the second embodiment of the present invention is:
一种基于区块链数字货币的支付方法，在上述实施例一的基础上，将上述实施例一的步骤S2替换如下：A payment method based on blockchain digital currency, on the basis of the above-mentioned first embodiment, the step S2 of the above-mentioned first embodiment is replaced as follows:
数字手表生成包括数字0-9的密码选取界面，获取用户在密码选取界面上所选取的待验证支付密码，判断待验证支付密码和待支付账户所对应的用户支付密码是否一样，若一样，则发送待验证支付密码给服务端；The digital watch generates a password selection interface including numbers 0-9, obtains the payment password to be verified selected by the user on the password selection interface, and determines whether the payment password to be verified is the same as the user payment password corresponding to the account to be paid. If they are the same, then Send the payment password to be verified to the server;
服务端接收支付请求和待验证支付密码，根据待支付账户和用户所选取的待验证支付密码向所有记账节点发送支付密码请求，以获得所有记账节点投票后所返回的用户支付密码和用户预设运算规则；The server receives the payment request and the payment password to be verified, and sends a payment password request to all accounting nodes according to the account to be paid and the payment password to be verified selected by the user, so as to obtain the user payment password and user payment password returned by all accounting nodes after voting. preset operation rules;
服务端将待验证支付密码按照用户预设运算规则进行处理，以得到最终验证支付密码，判断最终验证支付密码与用户支付密码是否一致，若是，则支付请求的合法性验证通过，将包括收款账户、待支付账户、待支付数额和交易时间信息的交易记录经过加密后生成交易区块，并将交易区块广播至所有记账节点上，若交易区块获得所有记账节点的共识，则执行步骤S3，并使得各个记账节点将交易区块存储在待支付账户下的区块链上，用户预设运算规则包括所有数字统一左移、所有数字统数字右移以及每一位数字进行十以内的加或减或乘或除之后所得到结果的个位数。The server processes the payment password to be verified according to the user's preset calculation rules to obtain the final verification payment password, and judges whether the final verification payment password is consistent with the user's payment password. The transaction records of the account, the account to be paid, the amount to be paid and the transaction time information are encrypted to generate a transaction block, and broadcast the transaction block to all accounting nodes. If the transaction block obtains the consensus of all accounting nodes, then Step S3 is performed, and each billing node is made to store the transaction block on the blockchain under the account to be paid. The user's preset operation rules include a unified left shift of all numbers, a right shift of all numbers, and the calculation of each digit. The single digit of the result after addition or subtraction or multiplication or division within ten.
在本实施例中，假设用户支付密码为93146832，用户预设运算规则为每一位数字进行加5之后所得到结果的个位数，则待验证支付密码应该为48691387；当然较为简单的可以加1，则待验证支付密码为82035721。In this embodiment, assuming that the user's payment password is 93146832, and the user's preset operation rule is the single digit of the result obtained after adding 5 to each digit, the payment password to be verified should be 48691387; 1, the payment password to be verified is 82035721.
请参照图5，本发明的实施例三为：Please refer to FIG. 5 , the third embodiment of the present invention is:
一种数字手表支付系统1，包括数字手表2以及服务端5，数字手表2包括第一存储器4、第一处理器3及存储在第一存储器4上并可在第一处理器3上运行的第一计算机程序，服务端5包括第二存储器7、第二处理器6及存储在第二存储器7上并可在第二处理器6上运行的第二计算机程序，第一处理器3执行第一计算机程序时实现上述实施例一或实施例二中所对应的步骤，第二处理器6执行第二计算机程序时实现上述实施例一或实施例二中所对应步骤。A digital
综上，本发明提供的一种基于区块链数字货币的支付方法及数字手表支付系统，数字手表在接收收款端的支付请求后，通过区块链、密码选取界面、密码宫格以及用户的操作行为的配合输入来验证支付请求的合法性，并对交易记录所形成的交易区块进行共识确认后存储在待支付账户下的区块链上，之后完成数字货币的扣除转移，从而实现了在智能手表上使用区块链技术所对应的数字货币进行支付，由于交易记录被存储在区块链上，以防止交易记录被篡改，从而保证了交易数据的安全性。由此，在数字手表不增加诸如指纹、人脸等生物识别技术的硬件设备或是增加NFC通信等硬件设备的前提下，无需借助诸如手机等其他终端设备来验证支付的合法性，就能有效保证用户使用数字手表进行支付的安全性，从而提供了一种更加便捷安全可靠的手表支付方法。To sum up, the present invention provides a payment method based on blockchain digital currency and a digital watch payment system. After the digital watch receives the payment request from the payee, the digital watch passes the blockchain, the password selection interface, the password grid and the user's information. The cooperation input of the operation behavior verifies the legitimacy of the payment request, and the transaction block formed by the transaction record is confirmed by consensus and stored on the blockchain under the account to be paid, and then the deduction and transfer of the digital currency are completed, thus realizing The digital currency corresponding to the blockchain technology is used for payment on the smart watch. Since the transaction records are stored on the blockchain to prevent the transaction records from being tampered with, the security of the transaction data is ensured. Therefore, on the premise that the digital watch does not add hardware devices such as fingerprints, faces and other biometric technologies or hardware devices such as NFC communication, it does not need to use other terminal devices such as mobile phones to verify the legitimacy of the payment. The security of the user's payment using the digital watch is guaranteed, thereby providing a more convenient, safe and reliable watch payment method.
以上所述仅为本发明的实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等同变换，或直接或间接运用在相关的技术领域，均同理包括在本发明的专利保护范围内。The above descriptions are only examples of the present invention, and are not intended to limit the scope of the present invention. Any equivalent transformations made by using the contents of the description and drawings of the present invention, or directly or indirectly applied in related technical fields, are similarly included in the within the scope of patent protection of the present invention.
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