METHOD FOR PAYING WITH CONTACTLESS PAYMENT CARD BASED ON DECENTRALIZED IDENTIFIER OF BLOCKCHAIN NETWORK AND MOBILE DEVICE USING THEM

摘要

The present invention provides a contactless card payment and settlement method based on a decentralized identifier (DID) of a blockchain network. Requesting a user to tag a user contactless card for payment and settlement, and when the user contactless card is tagged, obtains card identification information and encryption card information of the user contactless card through wireless communication with the user contactless card, the Transmits card identification information and user DID to a value added network (VAN) server to cause the payment proxy server to generate a signature verification value and transmit card information request information including the signature verification value to the user mobile terminal to do; and (b) the user mobile terminal generates an encryption card information VC (verifiable credential) using the signature verification value, the card identification information, and the encryption card information, the user DID, the encryption card information VC, and transmits the user signature value, which signed the encryption card information VC with the user private key, to the payment proxy server, thereby causing the payment proxy server to (i) obtain the user public key from the blockchain network using the user DID, or resolver obtain the user public key from the blockchain network using the user DID through a server, and verify the user signature value and the encryption card information VC using the user public key, (ii) the encryption Decryption card information is obtained using the encryption card information obtained from card information VC, and decryption card information VC is generated using the decryption card information, payment proxy server DID, the decryption card information VC, and the decryption Send the payment proxy server signature value signed by the card information VC with the payment proxy server private key to the card company server, so that the card company server acquires the payment agency server public key from the block chain network using the payment agency server DID, or Have a resolver server obtain the payment proxy server public key from the block chain network using the payment proxy server DID, and use the payment proxy server public key to obtain the payment proxy server signature value and the decryption card information VC verifying and using the decryption card information obtained from the decryption card information VC to approve the payment; It relates to a method comprising