CN107230049A - The method and system of digital cash is provided - Google Patents
The method and system of digital cash is provided Download PDFInfo
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- CN107230049A CN107230049A CN201610177297.8A CN201610177297A CN107230049A CN 107230049 A CN107230049 A CN 107230049A CN 201610177297 A CN201610177297 A CN 201610177297A CN 107230049 A CN107230049 A CN 107230049A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
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- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The present invention provides a kind of method and system for providing digital cash, extracts digital cash by using subscriber terminal equipment, can flexibly and easily obtain digital cash.This method includes：First request is sent to business bank's digital coin systems by user terminal；Business bank's digital coin systems extract digital cash according to the specified amount of money of the first request from account；And the second request is sent to Central Bank's digital coin systems；Central Bank's digital coin systems receive second and asked, and the operation of preset term is performed according to the second request and successfully indicates operation to return to business bank's digital coin systems, the operation that owner's change is carried out to the digital cash that business bank's digital coin systems are extracted is included in the operation of preset term；Business bank's digital coin systems are received after the successful instruction of operation, and the digital cash extracted is sent into user terminal.
Description
Technical field
The present invention relates to computer network and computer software technical field, particularly one
Plant the method and system that digital cash is provided.
Background technology
Digital cash is a series of currency that cash value is converted to Electronic Coding sequence numbers, coin
The security of itself is protected dependent on cryptographic algorithm.In terms of cryptographic algorithm, digital cash system
System security is related to symmetric cryptography, asymmetric cryptography, message digest algorithm and identity-based
Cipher system, must deeply consider the overall security, close of cryptographic system in terms of system realization
The code selection of algorithm, the realization of cryptographic algorithm, the designing of interaction protocol, international, domestic standard
Compatibility etc., it is ensured that the transaction security of digital cash.
Popularized with the development of mobile Internet, mobile payment industry is quickly changed propulsion, is based on
The business model of all kinds of technologies such as mobile Internet, NFC, HCE, Token, bio-identification is not
Disconnected innovation, application scenarios, which are constantly expanded, to be enriched, and business integrative development accelerates on line, under line.
While mobile payment new technology provides the user diversification convenient payment services, also lead logical
The industry transition and upgrade such as letter, finance, internet develops.Mobile payment broad based growth prospect into
For the extensive common recognition of full industry, mobile payment is considered as the on-line off-line important entry of connection.
The transaction system of digital cash should carry out business model design by core of mobile payment.
Under mobile payment service pattern, the key storage carrier of digital cash can be by hardware SE moulds
Block (security module), HCE and TEE are provided.The peace that hardware SE is provided by it
Full computing environment receives the accreditation in financial transaction field, in current debt-credit note card, electronics
It is used widely, with extensive user base, good disposal environment and uses in cash
Custom.As mobile payment technology is continued to develop, SE component forms also there occurs many changes,
New solution is constantly put into practice.
Transaction accepting terminal (POS) and the means of payment (as between card, mobile phone)
On data transmission channel, a variety of transmission means are presently, there are：RF radio communications, short message, barcode scanning,
Sound wave, photon, various ways and the communication that saves as between payment carrier provide convenience.
On authentication mode, can be divided into the certification based on password, the certification based on password+smart card,
Certification based on biological characteristic (fingerprint, face).Wherein password, biological characteristic certification it is many
Paid for far field, smart card authentication is used near field payment.
Cloud computing is the main flow direction at following background server end, and the background system of digital cash should
Using the solution based on cloud.
In e-commerce initiative, because role is different, the requirement to digital cash is also different：Visitor
Family requires that digital cash is easy to use, and storage is safe and with anonymity；Businessman requires digital goods
Coin has confirmability, and can be exchanged into real currency；Bank then requires that digital cash can not
It is illegally used and forges, therefore, digital cash D-RMB there should be following characteristics：
1. security：It can prevent any one party in commercial affairs from changing or illegally use digital cash；
2. not reproducible cost：Digital cash is used only once, and Double spending can be easy
Ground, which is checked, to be come；
3. controllable anonymity：Bank and businessman, which act in collusion, can not track the use of digital cash,
It is required that the buying behavior of the user of electronic cash can not be linked together by system, so that hidden number
The purchasing history of word currency user, but the use of the traceable digital cash of publisher of digital cash；
4. unforgeable：User can not the pseudo- digital cash faked；
5. fairness：Payment process is fair, it is ensured that otherwise both sides merchandise successfully, otherwise it is double
Side does not all lose, and prevents a certain counterparty from being sustained a loss in transaction；
6. compatibility：The distribution flow of digital cash to the greatest extent may be used with intermediate links in D-RMB systems
It can be issued with reference to commodity money with circulating.
And for digital cash, it should can adapt in the various use fields of existing currency
Scape, and can be with existing currency convertibility.
Digital cash is stored, paid and circulated by support of electronic computer technology, can be wide
It is general to be applied to the multiple fields such as production, exchange, distribution and consumption.Due to digital cash collection finance
A variety of functions such as savings, credit and the clearing of account are integrated, so with easy to use, peace
Entirely, rapidly, reliable feature.However, the use of digital cash is generally with bank card at this stage
(magnetic card, smart card) is media.And using bank card as media, that is, limit and have to know
Digital cash could not be used with operation bank card, this greatly limits the extensive of digital cash
Use and circulate.
The content of the invention
In view of this, the present invention provides a kind of method and system for providing digital cash, refers mainly to
The method and system of digital cash is extracted by mobile terminal device, to solve in the prior art
Above-mentioned a variety of weak points.Other objects of the present invention, effect and beneficial effect can be from
Drawn in embodiment.
To achieve the above object, according to an aspect of the invention, there is provided a kind of provide numeral
The method of currency.
A kind of method of offer digital cash of the present invention includes：User terminal sends out the first request
Give business bank's digital coin systems, described first ask for from user in business bank
Digital cash is extracted in account；Business bank's digital coin systems are according to the described first request
The specified amount of money, digital cash is extracted from the account；And be sent to the second request
Central Bank's digital coin systems, described second asks to enter for the digital cash to extraction
Row owner changes；Central Bank's digital coin systems receive described second and asked, and according to
Second request performs the operation of preset term and successfully indicates operation to return to the business
Industry bank digital coin systems, are included to the commercial silver line number in the operation of the preset term
The digital cash that word money-system is extracted carries out the operation of owner's change；Business bank's numeral
Money-system is received after the successful instruction of the operation, and the digital cash extracted is sent into institute
State user terminal.
Alternatively, first request includes：The title of business bank, the account are corresponding
Bank Account Number and password, the amount of money of digital cash need to be extracted；Also, business bank's numeral
Money-system is extracted from the account before digital cash, in addition to：The commercial silver line number
Word money-system confirms that the corresponding Bank Account Number of the account and password are correct, confirms the account
Remaining sum is not less than the amount of money that need to extract digital cash and confirms the commercial silver line number
Digital cash remaining sum in word money-system need to extract the amount of money of digital cash not less than described.
Alternatively, Central Bank's digital coin systems perform default according to the described second request
Before the operation of project, in addition to：Central Bank's digital coin systems confirm what is extracted
The owner of digital cash is the business bank.
Alternatively, the operation of owner's change includes：By business bank's digital cash system
The owner for the digital cash that system is extracted is revised as the wallet address of user by the business bank, its
In, the wallet address is public key, and the public key is Hash codes.
Alternatively, the digital cash extracted is sent to by business bank's digital coin systems
After the user terminal, in addition to：Business bank's digital coin systems are to user terminal
Send the successful prompt message of transaction.
Alternatively, the digital cash is character string；The user terminal is mobile phone, and described
The identifier of user terminal is phone number.
There is provided a kind of system for providing digital cash according to another aspect of the present invention.
A kind of system of offer digital cash of the present invention, including business bank's digital coin systems
With Central Bank's digital coin systems, wherein, business bank's digital coin systems be used for connect
The first request that user terminal is sent, and the amount of money according to specified by the described first request are received, from
Digital cash is extracted in the account；And the second request is sent to Central Bank's digital cash
System；And receiving the operation success that Central Bank's digital coin systems are sent
Instruction after, the digital cash extracted is sent to the user terminal；The Central Bank
Digital coin systems are used to receive second request, and default according to the described second request execution
Simultaneously by operation, successfully instruction returns to business bank's digital coin systems for the operation of project,
The numeral extracted to business bank's digital coin systems is included in the operation of the preset term
Currency carries out the operation of owner's change；Wherein, described first ask to be used for from user in commercial silver
Digital cash is extracted in capable account；Described second asks for the digital cash to extraction
Carry out owner's change.
Alternatively, first request includes：The title of business bank, the account are corresponding
Bank Account Number and password, the amount of money of digital cash need to be extracted；Also, business bank's numeral
Money-system is additionally operable to before digital cash is extracted from the account：The business bank
Digital coin systems confirm that the corresponding Bank Account Number of the account and password are correct, confirm the account
The remaining sum at family is not less than the amount of money that need to extract digital cash and confirms the business bank
Digital cash remaining sum in digital coin systems need to extract the amount of money of digital cash not less than described.
Alternatively, Central Bank's digital coin systems are performed in advance according to the described second request
If before the operation of project, being additionally operable to：Central Bank's digital coin systems confirm to be extracted
Digital cash owner be the business bank.
Alternatively, the operation of owner's change includes：By business bank's digital cash system
The owner for the digital cash that system is extracted is revised as the wallet address of user by the business bank, its
In, the wallet address is public key, and the public key is Hash codes.
Alternatively, business bank's digital coin systems are sent by the digital cash extracted
After the user terminal, it is additionally operable to：Business bank's digital coin systems are whole to user
End sends the successful prompt message of transaction.
Alternatively, the digital cash is character string；The user terminal is mobile phone, and described
The identifier of user terminal is phone number.
Technique according to the invention scheme, digital cash is extracted by using subscriber terminal equipment,
So as to flexibly and easily obtain digital cash；By carrying out multiple authentication in links,
And according to trading rules tissue relevant information and send, so as to strengthen the security of transaction；
The owner for carrying out digital cash by Central Bank's digital coin systems changes, it is possible to achieve in
The trading situation of the unified record digital cash of bank is entreated, so as to realize the safety and system of digital cash
One management.
Brief description of the drawings
Fig. 1 is the signal of the main flow of the work of the pre- fabrication relevant with embodiment of the present invention
Figure；
Fig. 2 is showing for the flow of the user's registration D-RMB account relevant with embodiment of the present invention
It is intended to；
Fig. 3 is the schematic diagram of the D-RMB process of exchange relevant with embodiment of the present invention；
Fig. 4 is to provide online service according to the D-RMB digital coin systems of embodiment of the present invention
When general frame a kind of structure schematic diagram；
Fig. 5 is the calculating included according to business bank's digital coin systems of embodiment of the present invention
The schematic diagram of machine system；
Fig. 6 is the business bank's digital coin systems and external system according to embodiment of the present invention
A kind of schematic diagram of framework of interconnection；
Fig. 7 is that the key step of the method for the offer digital cash according to embodiment of the present invention is shown
It is intended to；
Fig. 8 is the main composition portion of the system of the offer digital cash according to embodiment of the present invention
Divide schematic diagram.
Embodiment
The one exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including this hair
The various details of bright embodiment should think them only exemplary to help understanding.
Therefore, it will be appreciated by those of ordinary skill in the art that, the embodiments described herein can be done
Go out various changes and modifications, without departing from scope and spirit of the present invention.Equally, in order to clear
Chu and simplicity, eliminate the description to known function and structure in following description.
In embodiment of the present invention, digital cash of the description based on cryptarithm is (hereinafter referred to as
D-RMB) design, main operation mode is that the Central Bank is classified together with each business bank
Build D-RMB systems.Here the Central Bank is the issuer of currency, such as Chinese people
Bank.In the following description, the Central Bank is sometimes referred to simply as " Central Bank ", similarly, business
Industry bank is sometimes referred to simply as " firm ".Digital cash is separately expressed as " DCoin”。
D-RMB systems are to be based on DCoinThe fund transfer system of transaction, it is by the Central Bank and respectively
Business bank combines operation together.D-RMB systems include the core for running on optional network specific digit center
D on serverCoinDistribution, client's login, account management of customer, trade management, fraud detection,
Core business module, the also needs such as the mobile phone including user terminal, notebook computer and kernel service
The terminal client program of device interaction, meanwhile, it also includes DCoinFund transfer system operation is relied on
The whole country in include internet, such a opening mode of mobile radio communication electronics lead to
Communication network.Before D-RMB systems are discussed, clearly：
1. it is compatible with the circulation of existing commodity money.The distribution stream of digital cash in D-RMB systems
Journey is issued with circulating with reference to commodity money as far as possible with intermediate links, digital goods in D-RMB systems
Coin is deposited after three links, and one is the digital cash floatation treasury (i.e. digital cash fund) of Central Bank；
Two be the inventory figures cash of the bank storehouse of business bank, i.e. business bank；Three be user terminal
In client applications, i.e. stored value card.During this different link, D-RMB registration
Center can complete the log-on operation of correlation.
2.D-RMB digital cash is without Proxy Signature.Anonymous protection in a limited degree in use.
3.D-RMB digital cash can rely on heterogeneous networks to circulate, may with electronic digital form
Exist in the various electronic device terminals of mobile phone, IC card chip, notebook computer etc., lead herein
D-RMB digital cash is deposited come example of discussing using mobile phone and IC-card as carrier, but simultaneously
It is not intended that it can only be using mobile phone and IC-card as carrier.
The payment mode of 4.D-RMB system designs is the transfer by D-RMB digital cash
(i.e.：DCoinTransaction) realize.
5.D-RMB systems will obey the relevant institutions requirement of China's cash management.Specific requirement by
Business department's demand is determined.
6. to avoid competing with existing book keeping operation Payment System homogeneity, D-RMB systems can be designed
The quota degree that is limited is paid.
For convenience of follow-up description, to following notation convention：
Enc：Encryption, herein refers to user and is downloaded from IBC centers after private key, with the private key pair of oneself
Information is sent to be signed and be encrypted with the public key of other side.
Dec：Decryption, the decryption of document received is carried out in particular to user with the private key of oneself, and with right
Square cell-phone number is signed as correspondence public key (or directly public key) to the information that user sends
Confirm.
DBank：Refer to the reserve account that bank opens up in Central Bank's centring system, be used as book keeping operation.
DCoin：Refer to the D-RMB digital cash that Central Bank is generated by the encryption mechanism of oneself, be a string
Character, represents certain amount of money RMB.
DCoin 100：Refer to the D-RMB digital cash that Central Bank is generated by the encryption mechanism of oneself, be one
String numeral, represents 100 yuans, the like, index number represents actual RMB number
Volume.
BAccount：The Bank Account Number of bank of deposit where user.
H(M)：The value that Hash operation is obtained is carried out to M, M can be cell-phone number, Institution Code
Or a string of characters, numerals etc..
D-RMB is as digital cash, by People's Bank of China sets up concurrently as legal tender
Circulation is advanced into, is tendered guarantee by People's Bank of China as final credit side, national standard is participated in
Converting, converging and consumption in framework.It is a string of codes, with " face amount " in actual circulation
The same value of money meaning.D-RMB digital cash simulates distribution and management of the paper bank note in Central Bank
Flow, number is disposably generated in D-RMB floatation treasurys by this digital cash circulation of Central Bank
Word currency.
In D-RMB system designs, DCoinIt can be produced by least unit denomination, can also root
Produce, can also be produced by commodity money denomination in circulation, specifically according to the specific Withdrawal Amount of user
Which kind of it can be set by mode by systematic parameter in initial procedure.For closer to reality, subsequently with
Fix exemplified by denomination to be illustrated in circulation.
D-RMB in floatation treasury simulates the face amount in circulation completely, and " printing " produces digital generation
Table " one circle, Wu Yuan, pick up circle, 20 circle, 50 circle, 100 circles " etc., one encryption
Text represents the D-RMB digital cash of a face amount.
Produce D-RMB by fixed face amount, such as represented by the 5th set of production D-RMB (if need to give birth to
Production：DCoin 1、DCoin 5、DCoin 10、DCoin 20、DCoin 50、DCoin 100) then：
Step 1：Six are produced respectively with numeral 1,5,10,20,50 and 100 by main password
Basic Crypted password.
Step 2：By hash algorithm generation system random number.Random number can be understood as serial number.
Step 3：By representing the basic Crypted password and random number encryption of different values of money, generation encryption
Password.
Step 4：By Central Bank, private key pair encryption password is signed, and is represented new coin and is produced.If carry
Money people, which will carry, represents 100 yuans of DCoin 100, then, can be by representing during actually withdrawing deposit
100 yuan of unique random number word and corresponding basic Crypted password encryption generation encrypted cipher text m, then by
Central Bank's private key is signed to m.
In D-RMB systems, there are digital cash floatation treasury, the digital goods of business bank of Central Bank
Coinage silver row storehouse and the stored value card of user terminal (such as mobile phone).The substance of digital cash transfer
Including：
(1) according to digital cash total volume of issuing, the unified generation digital cash of Central Bank (produces number
Word monetary fund), it is stored in Central Bank floatation treasury.
(2) according to the demand application of business bank's digital cash, digital cash is sent to accordingly
The database of digital cash, i.e. digital cash are deposited from floatation treasury to bank storehouse by business bank.
As certain is according to note issuance total amount, Central Bank distribution 1,000,000,000 D-RMB, these D-RMB
It is placed in after distribution in the floatation treasury of Central Bank.Later according to the application of certain bank from this 1,000,000,000
Wherein 200,000,000 are withdrawn in D-RMB, these 200,000,000 D-RMB being lifted off are stored in the bank
Bank storehouse in (bank Central Bank required reserve account for reduce 200,000,000, meanwhile,
The D-RMB of 2 hundred million is stored in the bank storehouse of the business bank, and its operation etc. of keeping accounts is compared with reality
Thing currency is drawn), in Register, the corresponding owner of these digital cash is changed to by Central Bank
Business bank, and record the information such as corresponding operating flowing water.
(3) user application extract digital cash when, digital cash from bank storehouse to intermediate links,
Into in the storage medium of subscription client (such as in mobile phone), i.e., the electricity from bank storehouse to user
Sub- wallet.In Register, the corresponding owner of these digital cash is changed to user by business bank,
And record the information such as corresponding operating flowing water.
(4) in intermediate links, digital cash is entered between two users each stored value card
Row shifts to complete to pay, and now pays and is divided into online transaction and off-line trading, specific Business Stream
Journey carries out labor later.In Register, the corresponding owner of these digital cash by with
Family 1 is changed to user 2, and records the information such as corresponding operating flowing water.
In numbers above currency transfer process, the Register of D-RMB systems need to verify transaction
The legitimacy of digital cash, records transaction journal and corrects the new owner of correspondence digital cash, with
And register other information needed (specifically being determined by business demand).
If using IC-card as carrier, also there is the work of pre- fabrication, in the work of pre- fabrication,
Central Bank's digital coin systems and business bank's digital coin systems are to including storage medium
D-RMB chip cards carry out sequence of operations, mainly have：Central Bank's digital coin systems are by pre-
The content first specified generates the individuation data of D-RMB chip cards；Digital cash system of business bank
Unite and the personal information of the user of application D-RMB chip cards is write into the D-RMB chip cards；Business
Industry bank digital coin systems are with user IBC public keys to Verification System application IBC private keys, user
IBC public keys are the mark of D-RMB chip cards or the mark of the user.Related in operating above
And main flow as shown in figure 1, Fig. 1 is the pre- fabrication relevant with embodiment of the present invention
The schematic diagram of the main flow of work.
Card base is used as DCoinSafety barrier, in DCoinThe links of circulation are for ensureing DCoin's
Security has certain booster action, and (independent physical support IC-card is also referred to as " D-RMB cores
Piece card ").
(1) production of D-RMB chip cards
The production of D-RMB chip cards must be by by Central Bank's certification, with production qualification
Enterprise production, for its manufacturing quantity and quality by the Central Bank (or center silver
Other departments that row is authorized) strict control.Enterprise qualification identifying procedure includes：Submission application,
The links such as material examination ＆ verification, scale detection, scene test and appraisal, mandate qualification.
(2) personalization of D-RMB chip cards
Individuation data is generated by the Central Bank in D-RMB chip cards, and authorizes relevant departments to build
Vertical individualized center, individual operation is carried out to the D-RMB chip cards of new production.
(3) distribution of D-RMB chip cards
System can support system of real name hair fastener and anonymous hair fastener.
System of real name hair fastener：D-RMB chip cards are by individual subscriber application, system of real name hair fastener, in
Entreat bank authorization business bank on behalf of distribution, business bank carries out real name examination ＆ verification to user, and steps on
After remembering that related data, examination ＆ verification pass through, secondary hair fastener is carried out to the D-RMB chip cards of the Central Bank,
The personal information of user is write in D-RMB chip cards.
Anonymous hair fastener：User directly claims D-RMB chip cards to business bank, and business bank can
Chosen whether to verify applicant's identity information according to actual conditions.
Business bank according to actual conditions select using D-RMB chip cards unique identifying number or
User mobile phone number applies for private key as user's IBC public keys, and then to IBC authentication centers.
D-RMB systems are supported with computer equipment, mobile phone, POS, ATM and Web etc.
Mode is as carrier, in selection line or off-line transaction, it is exemplified here it is middle will it is main using mobile phone as
Illustrated exemplified by carrier.
On mobile phone terminal, the unblock such as various numerical ciphers, graphical passwords is set and startup password
The safety of personal information on mobile phone can effectively be protected.It is all kinds of with the arrival in smart mobile phone epoch
Finger print mobile phones based on biological characteristic have been enter into ordinary consumption group, it can for different application,
Different customizing messages take different encrypting fingerprints, and the application of these new technologies can effectively ensure that mobile phone
The storage safety of upper digital cash, pertinent transaction information.
To ensure transfer safety of the digital cash between mobile phone, D-RMB systems need to introduce safety and recognize
Card system.Existing ca authentication center, social user's (bag are utilized between the Central Bank and financial institution
Include personal and enterprise) enter using IBC (Identity-Based Cryptograph) authentication center
Row authentication.
For the private key and Central Bank's public key produced in IBC, PKI, need to be stored in reliable and securely
The exclusive region SE areas of safety (Secure Element) of mobile phone, SE areas can be by hardware (mobile phone
Change card) or card technique HCE (Host Card Emulation) is simulated by main frame realized.If
User, which takes, to be changed card to protect key, then key is downloaded in card application process is changed to mobile phone SE areas.
It in authentication system process of construction, can design, unite according to traditional PKI authentication system
One sets up PKI systems, and strong digital signature is provided by CA, can also be designed by IBC, with
Family cell-phone number is managed as public key, especially for the offline electronic payment of small amount, it appears that more
To be convenient.Hereafter all introductions to business will be illustrated with IBC certifications.Fig. 2 is and this hair
The schematic diagram of the flow of the relevant user's registration D-RMB accounts of bright embodiment, Fig. 3 be and this
The schematic diagram of the relevant D-RMB process of exchanges of invention embodiment.
When carrying out user's registration, mainly there is below scheme：Central Bank's digital coin systems exist
Receive after the proof of identification information that the terminal device that user uses is sent, sent out to the terminal device
Send the application software suitable for the terminal device；Central Bank's digital coin systems are described to operation
The terminal device of application software sends IBC public keys and IBC private keys, is then set with the terminal
It is standby to carry out authentication session and session key agreement；Central Bank's digital coin systems are received
The user account that the terminal device of the application software is sent is run, is then set to the terminal
Preparation send user cipher.
With digital cash D from user 1 to 50 yuan of 2 on-line payment of userCoin 50Exemplified by, to illustrate
It is related to D in process of exchangeCoin 50Security protocol during transfer.User 1 logs in the mobile phone A PP of oneself
Application program, completes both sides' authentication with D-RMB systems, and consult in SSL modes
After session key, trade agreement is performed.Exemplified by using cell-phone number as IBC public keys, in user 1
Cell-phone customer terminal：Cell-phone customer terminal chooses 50 yuan of digital cash D automaticallyCoin 50, according to transaction
Regular weaves relevant information M | | m, wherein M can be designed as：M=transaction codes | | cell-phone number
1||DCoin 50| | payment | | cell-phone number 2, message H (M) is obtained to message segment Hash operation, with
The corresponding private key of cell-phone number 1 carries out signing to obtain m to H (M), cryptographically sends M | | m to
D-RMB systems.
D-RMB system ends：M is obtained by agreement decrypted message | | m, verifies message validity, i.e.,
It is the checking m and H (M) of cell-phone number 1 with public key, prevents message to be tampered in transmitting procedure；Test
Demonstrate,prove DCoin 50It is whether legal, trading rules and relevant information are understood, corresponding operating, main bag is performed
Include Register's change D after business checkingCoin 50Owner, cell-phone number is changed to by the cell-phone number 1 bound
2, and record corresponding flowing water.Send DCoin 50Merchandised successfully to mobile phone 2, and to both sides' prompting.
To further enhance anonymity, Register's ownership correspondence cell-phone number can be changed to cell-phone number
Hash (uses for reference bit coin wallet address, be made up of public key Hash), is described in detail below：
Client tissue message is constant, in the cell-phone customer terminal of user 1：The automatic number for choosing 50 yuan
Word currency DCoin 50, according to trading rules tissue relevant information M | | m, wherein M can be designed as
M=transaction codes | | cell-phone number 1 | | DCoin 50| | payment | | cell-phone number 2, to message segment Hash
Computing obtains message H (M), and the m that signs to obtain is carried out to H (M) with the corresponding private key of cell-phone number 1, with
Cipher mode sends M | | m to D-RMB systems.
D-RMB system ends：M is obtained by agreement decrypted message | | m, verifies message validity, i.e.,
It is the checking m and H (M) of cell-phone number 1 with public key, prevents message to be tampered in transmitting procedure；Test
Demonstrate,prove DCoin 50It is whether legal, trading rules and relevant information are understood, corresponding operating, main bag is performed
Include Register's change D after business checkingCoin 50Owner, is changed to by the H (cell-phone number 1) bound
H (cell-phone number 2), and record corresponding flowing water.Send DCoin 50Pointed out to mobile phone 2, and to both sides
Merchandise successfully.
On the design of system convenience, in embodiments of the present invention, the interface of transaction and entrance
Have a variety of.During scene citing, only illustrated with an entrance, such as registered user is in business
Industry bank transacting business, you can by the first direct login D-RMB systems of the adept machine of user, also can be by
Business bank logs in D-RMB systems.
On account password problem, can be needed whether to need user come flexible design according to business
Input account password.Small amount payment system based on D-RMB systems, it is proposed that it is contemplated that by with
Whether family unrestricted choice sets password.In the explanation of embodiment of the present invention, by not staying password
To describe, but in the implementation, can be according to actual conditions depending on.
On client application problem, user can download corresponding client application
In oneself corresponding terminal (such terminal software is equivalent to " wallet " instrument), such as mobile phone
User can download D-RMB mobile phone terminals program (alternatively referred to as mobile phone A PP).Terminal program
It can design comprising following functions：One is DCoinManagement function.(1) terminal program can be automatic
Count all DCoinThe amount of money；(2) amount of money number that can be inputted according to user is automatically found " wallet "
Interior DCoinCombination, and the automatic selected D matched in payment processCoinIt is traded；(3)
After the completion of transaction, the D of expenditure will be participated in automaticallyCoinDeleted；(4) can automatic distinctive mark
Digital cash in " wallet " without Central Bank's on-line testing and registered digital cash is verified.
Two be finishing service need function, such as online application for registration, extract, pay, cashing,
The business functions such as offline payment request, and be automatically performed in process of exchange public key encryption,
Private key signature etc. is operated.
Generally speaking, the key element of D-RMB systems is a kind of coin, two class libraries, three centers：
A kind of coin, i.e. " D-RMB ", also referred to as DCoin, refer in particular to what is signed by Central Bank for a string
Represent the encrypted numeric string of the specific amount of money.
Two class libraries：It is D-RMB floatation treasury and bank storehouse respectively.Digital cash is in floatation treasury
Show as the digital cash fund of Central Bank；Digital cash shows as commercial silver in bank storehouse
Capable inventory figures cash.
Three centers：One be Register (including currency produce, circulate, check verification and disappear
Die overall process record)；Two other is authentication center, i.e., ca authentication center (is based on PKI
System, is managed concentratedly, such as CFCA to mechanism and user certificate) and IBC authentication centers,
The authentication center (Identity-Based Cryptograph) that cryptographic technique i.e. based on mark is set up.
Two tables can be designed in Register, one is digital cash right registration table, records digital cash
Ownership, another be transaction flow water meter.
Identity- based cryptography IBC in embodiment of the present invention can be directly with user's
Identity no longer relies on certificate as public key, the certification of public key, simplifies the use of key
With management, there is no catalogue, easy to use, easy to maintain.
For identity, personal user can use cell-phone number, it would however also be possible to employ with mobile phone
The E-mail addresses matched somebody with somebody or the character string of other process conversion, so facilitate client itself to remember,
Other people are unable to find out), to reach controllable anonymous purpose.Enterprise customer can use tissue
Institution Code, can also be used as the identity at IBC centers, with this using customized code
It is convenient only by taking cell-phone number as an example in citing below to illustrate as public key.
D-RMB systems are a kind of systems of stagewise, i.e., be total to by the Central Bank with each business bank
Build, Central Bank's digital coin systems are by the Central Bank or Central Bank's Notified body operation dimension
The computer system for being used for handling the information on digital cash of shield, its major function includes negative
The distribution and checking for blaming digital cash are monitored, and business bank is referred to by business bank or business bank
Determine the computer system for being used for handling the information on digital cash of mechanism operation maintenance, it is held
The various functions of the relevant currency of the existing bank of row, i.e. bank function, it is main to include from central silver
Row is applied to after digital cash, is responsible for region be directly facing society, meets and provides digital cash circulation clothes
Every demand of business.
In the basic structure according to the digital coin systems of embodiment of the present invention, digital cash
System mainly includes Central Bank's digital coin systems, business bank's digital coin systems (in reality
Can be multiple business bank's digital coin systems in border) and Verification System.Wherein, in
Centre bank digital coin systems are used to producing and issuing digital cash, and digital cash is carried out
Right registration；Business bank's digital coin systems are used to perform bank function for digital cash；
Verification System is used for whole used in the user of Central Bank's digital coin systems and digital cash
Interaction between end equipment provides certification, and to Central Bank's digital coin systems and commercial silver
Interaction between row digital coin systems provides certification.
Fig. 4 is to provide online service according to the D-RMB digital coin systems of embodiment of the present invention
When general frame a kind of structure schematic diagram.
In general frame shown in Fig. 4, the core of D-RMB digital cash operating is business bank
Digital coin systems, Central Bank's D-RMB systems are connected with firm D-RMB systems, are responsible for progress
Trade confirmation.Firm's D-RMB systems and Central Bank's D-RMB systems can make full use of advanced
Cloud carry out scattered deployment, while firm's D-RMB systems and the interconnection of its built-in system are mutual
It is logical.
From fig. 4, it can be seen that business bank's digital coin systems are in core position and other nets
Network or system are connected, and can apply " cloud computing technique construction.D-RMB digital coin systems branch
The network data of various different agreements is held, such as:Virtual private network, special line, satellite network,
Public switch telephone network (PSTN), global system for mobile communications (GSM), public land are moved
Dynamic net (PLMN), variant network can be achieved directly or indirectly to be connected with central server.
Firm's digital coin systems are connected with Register of Central Bank, are likewise supplied with four basic functions
Module：From motion tracking account possess how many D-RMB digital cash electronic purse function module,
The supervision work(of suspicious transaction is shifted and recognized from the D-RMB digital cash between motion tracking each side
Can module, e-bank's service function and manageming contacts CRM functional module.
The logic placement of server in business bank's digital coin systems uses the side of three-tier architecture
Formula：That is expression layer, that is, front end applications system 200；Backend application system 202, is also named meeting
Session layer, application layer, or logical transaction layer；Background data base 204 is data Layer.Its is corresponding
Physical machine disposes block diagram as shown in figure 5, Fig. 5 is the commercial silver according to embodiment of the present invention
The schematic diagram for the computer system that row digital coin systems are included.
Front end applications system 200 is directly mutual with money-transfer services operator for running user
Dynamic application program, such as web application, what is disposed herein is Web server cluster.
User and money-transfer services operator are interacted by user interface and these application programs, user
Interface has personal computing devices 114 and mobile device etc..User can access electricity by this entrance
Sub- wallet function, supervisory role, virtual bank's function, CRM functions.Can on Web server
Using open source softwares such as apache.
Backend application system 202 be mainly used to be support front end applications system 200 data access,
The background functions such as business logic processing.This regional deployment application server.D-RMB digital cash
It can use with the JBOSS instruments under Red Hat open source systems come development and application program.
Background data base 204 is mainly DataBase management system, including data warehouse,
Store sales transactions, customer profile and tracking and the regulation Central Bank numeral of transferring money
Money-system carries out other data required for the transfer of D-RMB digital cash.D-RMB numerals
Money-system can use using Oracle DBMS and be used as design of database system.
Above-mentioned firm's digital coin systems can be interconnected with external system, and a kind of optional framework is such as
Shown in Fig. 6, Fig. 6 be according to business bank's digital coin systems of embodiment of the present invention with it is outer
A kind of schematic diagram of framework of portion's system interconnection.
Upper figure demonstrate business bank's digital coin systems with including Central Bank's central server, other
The physics and logic placement of various external system adapters including business bank's system.There is currency
Transaction data adapter, mobile service providers SMS gateway adapter, Retailer system adaptation
Device, ATM data supply system adapters etc., central server can by way of this interconnection
To receive the digital cash transfer request from every class entity and response.Fig. 6 is absolutely proved
D-RMB digital coin systems are to the good support of each channel, networks of different protocol, and this is also it
System has the performance of open feature.
Below will be using user mobile phone as terminal mode, using cell-phone number as identity, to behaviour
The miscellaneous service flow for making D-RMB is illustrated by, mainly log in, extract including client downloads,
The flow such as pay, deposit and cash, carry out face-to-face mode of doing business to illustrate.The client of user
End logs in, extracted, cash flows require that user must complete under presence, and pays
Journey can be divided into on-line payment and offline electronic payment, then form multiple scene states and its corresponding
Flow, each flow purpose to be reached is realized by series of operation steps.Except mobile phone
In addition, other intelligent terminals being likely to occur at present and in the future can serve as D-RMB load
Body simultaneously performs miscellaneous service flow.
Individually below to the summary of flow (following " process description ") and scene state (with
Under " scene explanation ") and (following " step the step of realize the flow in this scenario
Rapid explanation ") it is been described by one by one.
Download and log on subscription client, performed by below scheme：
Process description：The APP installation procedures that user is provided by mobile phone-downloaded by business bank are stepped on
Record D-RMB systematic procedures.
Scene explanation：Qualified business bank (such as industrial and commercial bank) connection ca authentication center,
IBC authentication centers and Register, digital cash service is provided to user.User passes through under mobile phone
The APP installation procedures provided by business bank are provided and log in business bank's D-RMB systems.
Step explanation：
Step 1. user logs in firm (such as Industrial and Commercial Bank of China) D-RMB system pages with mobile phone,
The mobile phone A PP installation procedures provided by business bank are downloaded, for (the IBC certifications of existing account
Center) user, can directly log in；For new user, it is necessary at the beginning of carrying out account first
Beginningization is operated；
Step 2. is initialized：In page typing relevant information (such as name, address, Email
Address, cell-phone number, identification card number, register account number are cell-phone number etc.), click on and send；
Step 3. business bank：IBC authentication centers are connected, D-RMB numerals are created for the user
Money-system unique account, and in its uniqueness of IBC central authentications.Personal user can use hand
Machine number, generates user's initial log password and is sent to user mobile phone；IBC centers are according to cell-phone number
The private key of user is produced, public key is user mobile phone number, and circulation is traded using public key as account；
Step 4. user mobile phone end：Activated Account after receiving initial log password, download user
Private key and Central Bank's public key are stepped on to mobile phone protective zone by logging on mobile phone A PP to change
Password is recorded, initialization is completed.
If Mobile phone card is changed in user's application, key can be implanted in card SE areas in advance in advance.
The method and system of the offer digital cash in embodiment of the present invention is made into one again below
Step is described in detail.
Fig. 7 is that the key step of the method for the offer digital cash according to embodiment of the present invention is shown
It is intended to.As shown in fig. 7, the method for the offer digital cash of the present invention mainly includes following step
Rapid S71 to step S74.
Step S71：First request is sent to business bank's digital coin systems by user terminal, the
One asks for extracting digital cash in the account of business bank from user；
Step S72：The amount of money of business bank's digital coin systems according to specified by the first request, from
Digital cash is extracted in the account；And the second request is sent to digital cash system of the Central Bank
System, second asks to carry out owner's change for the digital cash to extraction；
Step S73：Central Bank's digital coin systems receive second and asked, and according to the second request
Perform the operation of preset term and successfully indicate operation to return to digital cash system of business bank
System, includes the digital goods extracted to business bank's digital coin systems in the operation of the preset term
Coin carries out the operation of owner's change；
Step S74：Business bank's digital coin systems are received after the successful instruction of operation, will be carried
The digital cash taken is sent to user terminal.
Technique according to the invention scheme, the first request can include：The title of business bank,
The corresponding Bank Account Number of the account and password, the amount of money of digital cash need to be extracted.Also, step
In rapid S72, business bank's digital coin systems are extracted from the account before digital cash, also
It can include：Business bank's digital coin systems confirm the corresponding Bank Account Number of the account and close
Code is correct, the remaining sum of the confirmation account is not less than the amount of money that need to extract digital cash and really
The digital cash remaining sum recognized in business bank's digital coin systems, which is not less than, need to extract digital cash
The amount of money.Business bank's digital coin systems, when confirming to information above, are by
One request carries out the first checking to realize, wherein, the first checking includes verification account correspondence
Bank Account Number and password correctness, judge the remaining sum of the account whether not less than number need to be extracted
The amount of money of word currency and judge that the digital cash remaining sum in business bank's digital coin systems is
It is no not less than the amount of money of digital cash need to be extracted；When first is verified, then commercial silver is performed
Row digital coin systems extract digital cash from the account.Herein, business bank's digital cash
System extract digital cash when, be by digital coin systems to the digital cash of extraction
What the mode recorded was carried out.
Business bank's digital coin systems are after first is verified, from the account of the business bank
Withholdd under name in an account book, and generation second is asked after digital cash is extracted.In generation second
During request, can according to the trading rules pre-established by the identifier of user terminal with being extracted
The identification code of digital cash carry out tissue to generate the second request.In addition, according to customer transaction
The difference of content, trading rules also can correspondingly be changed, and the particular content of the second request
Also can occur corresponding change.In addition, according to the security needs of transaction, may be used also in trading rules
To be encrypted and with user terminal identification including carrying out Hash operation etc. to Transaction Information with realizing
The private key of symbol is signed to realize further encryption to the character string after Hash operation
Deng.
In addition, Central Bank's digital coin systems are performing the behaviour of preset term according to the second request
Before work, for the safety of system, in addition it is also necessary to confirm the owner of extracted digital cash to be somebody's turn to do
Business bank.Central Bank's digital coin systems carry out digital cash owner's validation of information when,
It can be realized by carrying out the second checking to the second request, wherein, the second checking mainly includes：
Whether the owner of the extracted digital cash of checking is the business bank；If it is, second tests
Card passes through, and Central Bank's digital coin systems perform the operation of preset term according to the second request.
The digital goods that business bank's digital coin systems are extracted included in the operation of preset term
Coin carry out owner's change operation can be specifically：Business bank's digital coin systems are extracted
The owner of digital cash is revised as the wallet address of user by business bank, wherein, wallet address
For public key, and the public key can be Hash codes.In the present invention, the operation of preset term be
What the Register of Central Bank's digital coin systems was carried out, carry out digital cash in Register
The registration of owner's information when, correspondence owner's information can record as public key Hash, such as H (cell-phone number),
To strengthen anonymity, or in Register, public key can be by user's sets itself, user
Also public key etc. can be represented with a string of meaningless codes completely.
Also, it can also include recording corresponding Transaction Details information in the operation of preset term.
Wherein, the corresponding Transaction Details information of record for example including：This time friendship incident time,
The time of owner's change and before changing after owner's information etc., can be according in different transaction
Appearance is recorded, to inquire about in the future.The owner of digital cash is the owner of digital cash,
When carrying out the transaction of digital cash, it is necessary in the Register of Central Bank's digital coin systems
Owner's information of the corresponding character string of the digital cash is modified, and recorded, with
Represent that the owner of the digital cash is changed.
In addition, the digital cash extracted is sent into user in business bank's digital coin systems
After terminal, merchandised into it is also possible that being sent from business bank's digital coin systems to user terminal
The prompt message of work(, to point out this time transaction to run succeeded.
In the inventive solutions, digital cash is character string；User terminal is preferably hand
Machine, and the identifier of user terminal is phone number.The need for actual use, user is whole
End can also include other mobile devices that can be networked, such as tablet personal computer, and user is whole
The identifier at end is such as can be customized a string of unique strings or E-mail address
Deng.
Below with user by the application APP of digital coin systems installed on mobile phone therefrom
Industrial and commercial bank of state digital coin systems are extracted exemplified by 250 yuan of digital cash, and the present invention is carried
Illustrated for the detailed step of digital cash.
Step 1：User logs in mobile phone A PP, selection function " extraction digital cash ", selection refers to
Fixed business bank, such as Industrial and Commercial Bank of China, the Bank Account Number corresponding to input user account
And the amount of money (such as 250 yuan) key element of password, required extraction digital cash, click on " transmission "
So that first request to be sent to business bank's digital coin systems of the Industrial and Commercial Bank of China；
Step 2：Business bank's digital coin systems：Verify the legitimacy of first request, such as core
Test Bank Account Number and password whether correct, the i.e. B of the corresponding Bank Account Number of the user accountAccountRemaining sum
Whether cover (i.e.：BAccountRemaining sum whether not less than the amount of money of digital cash need to be extracted), bank
Digital cash remaining sum D in storehouseCoinWhether cover (i.e.：In business bank's digital coin systems
Whether digital cash remaining sum, which is not less than, need to extract the amount of money of digital cash) etc.；After being verified,
Business bank's digital coin systems are by BAccountRemaining sum withhold 250 yuan, and drawn from bank storehouse
DCoin 100, DCoin 100' and DCoin 50(i.e.：Business bank's digital coin systems record the numeral
Currency DCoin 100, DCoin 100' and DCoin 50Corresponding character string)；Then, according to trading rules
Organize relevant information to send second to Central Bank's digital coin systems D-RMB systems to ask, this
Place, relevant information need to include the identifier of user terminal (for example：The cell-phone number of user) and institute
The digital cash D of extractionCoin 100, DCoin 100' and DCoin 50Corresponding character string；
Step 3：Central Bank's digital coin systems：Receive after the second request, understand transaction rule
Then and relevant information, and legitimacy (the digital cash D such as drawn of related content is verifiedCoin 100,
DCoin 100' and DCoin 50Owner whether be Industrial and Commercial Bank of China etc.), and after being verified,
Register will perform following associative operation：Change DCoin 100, DCoin 100' and DCoin 50Correspondence
Owner's information, that is, by DCoin 100, DCoin 100' and DCoin 50Owner by before binding
The code of the Industrial and Commercial Bank of China is changed to the wallet address of user, i.e. public key Hash, and records corresponding
Transaction journal detail information；
Step 4：Business bank's digital coin systems：By DCoin 100, DCoin 100' and DCoin 50It is right
The character string answered is sent to user mobile phone, completes internal corresponding operating, and send transaction to user
Success prompt message.
Fig. 8 is the main composition portion of the system of the offer digital cash according to embodiment of the present invention
Divide schematic diagram.As shown in figure 8, the system 80 of the offer digital cash of the present invention mainly includes business
82 two parts of industry bank digital coin systems 81 and Central Bank's digital coin systems.
Business bank's digital coin systems 81 are used to receive the first request that user terminal is sent, and
According to the specified amount of money of the described first request, digital cash is extracted from the account；And
Second request is sent to Central Bank's digital coin systems；And receiving the center silver
After the operation that row digital coin systems are sent successfully is indicated, by the digital cash extracted
It is sent to the user terminal；Central Bank's digital coin systems 82 please for receiving described second
Ask, and the operation of preset term is performed according to the described second request and successfully indicates operation to return
Back to business bank's digital coin systems, included in the operation of the preset term to described
The digital cash that business bank's digital coin systems are extracted carries out the operation of owner's change；Wherein,
Described first asks for extracting digital cash in the account of business bank from user；Described
Two ask to carry out owner's change for the digital cash to extraction.
Wherein, first request includes：The title of business bank, the corresponding silver of the account
Row account and password, the amount of money of digital cash need to be extracted；Also, digital cash system of business bank
System 81 can be also used for before digital cash is extracted from the account：The business bank
Digital coin systems confirm that the corresponding Bank Account Number of the account and password are correct, confirm the account
The remaining sum at family is not less than the amount of money that need to extract digital cash and confirms the business bank
Digital cash remaining sum in digital coin systems need to extract the amount of money of digital cash not less than described.
Central Bank's digital coin systems 82 are performing the behaviour of preset term according to the described second request
Before work, it can be also used for：Central Bank's digital coin systems confirm extracted digital cash
Owner be the business bank.
Technical scheme according to embodiments of the present invention, the operation of owner's change can specifically include：
The owner for the digital cash that business bank's digital coin systems are extracted is by the business bank
The wallet address of user is revised as, wherein, the wallet address is public key, and the public key is
Hash codes.
The digital cash extracted is being sent to the user by business bank's digital coin systems 81
After terminal, it can be also used for：Business bank's digital coin systems send to user terminal and merchandised
Successful prompt message.
In the present invention, the digital cash is character string；The user terminal is mobile phone, and institute
The identifier for stating user terminal is phone number.
It is illustrated below for repeat business detection.In the case of online transaction, D-RMB systems
Pass through DCoinCarry out anti-repeat business with user account binding mode.Register in D-RMB systems
There is a right registration table, record sheet pattern can be designed such as table 1：
Table 1
| Digital cash name | Owner | Remarks |
| Pbc100adfkl09987766670 | 138xxxxx 001 | DCoin 100 |
| …… | …… | …… |
| Pbc50cadfkl09987766670 | 137xxxxx 002 | DCoin 50 |
User 1 (cell-phone number 138xxxxx001) is to user 2 (cell-phone number 138xxxxx002)
Pay DCoin 100During, D-RMB systems Register right registration table：Change DCoin 100It is right
Owner is answered, owner's field Central Plains cell-phone number 138xxxxx001 wallet address is changed to mobile phone
Number 138xxxxx002 wallet address, if user 1 still wants to use DCoin 100To other user's branch
Pay, now its owner has not been user 1, it is impossible to complete to pay, prevent from repeating to pay with this.
If Register's right registration table represents owner with public key Hash in D-RMB systems,
Then Register's right registration table can be designed such as table 2：
Table 2
Assuming that H (138xxxxx001) value is 1Xadcfdgdadg, H (138xxxxx002) value is
2xcfdald3xgdf, user 1 (cell-phone number 138xxxxx001) is to (the cell-phone number of user 2
138xxxxx002) pay DCoin 100During, D-RMB systems Register right registration table：
Change DCoin 100Correspondence owner, 1Xadcfdgdadg in owner's field is changed to
2xcfdald3xgdf, if user 1 still wants to use DCoin 100Paid to other users, now its owner
It has not been user 1, it is impossible to complete to pay, has prevented from repeating to pay with this.
In the case of off-line trading, paid by delayed repetition and check to find and call to account, it is several at present
The repetition that all electronic cash systems are carried out, which is paid, checks it is all delayed, that is, repeats to pay
Inspection is carried out all after the completion of payment process.
The transaction that we set simultaneously is small amount payment (being less than 1000 yuan), for personal user
It is an acceptable scope, and using calling to account mechanism afterwards, to record of bad behavior by typing
Credit investigation system is to discipline as a warning.
Technical scheme according to embodiments of the present invention, number is extracted by using subscriber terminal equipment
Word currency, so as to flexibly and easily obtain digital cash；It is many by being carried out in links
Secondary checking, and according to trading rules tissue relevant information and send, so as to strengthen transaction
Security；The owner for carrying out digital cash by Central Bank's digital coin systems changes, can
To realize by the trading situation of the unified record digital cash of the Central Bank, so as to realize digital cash
Safety and unified management.
For from convenience, terminals scheme (hereinafter referred to as " mobile phone side is used as using mobile phone
Case ") provide more implementations and use means, system deployment facility, user's operation
Convenience is good, be more easy to promote.
Consider from security, using mobile phone as D-RMB carriers, HCE and TEE side can be used
Case, so as to there is provided bigger memory space, not exclusively rely on hardware vendor, is promoted more convenient.
With market other replace bank note money-system compared with, D-RMB tentatively have convenience it is good,
Safe the features such as, convenience is showed in the following areas：
In issuing way, D-RMB is the digitlization of currency in itself, independent of any bank's account
Family and single network；
On storage mode, D-RMB storage medium can be mobile phone or card, magnetic
The electronic equipments such as disk, computer, have provided the user multiple choices.Especially using mobile phone as load
The D-RMB of body can make full use of the keyboard of mobile phone, display, positioning, storage, calculating, logical
The functions such as letter, can also secondary development, significantly expansion payment scene and convenience；
In the means of payment, it can both provide and pay transaction face to face similar to bank note, class can be also provided
It is similar to the network remote payment transaction of electronic fare payment system, you can support is online, can also support to take off
Machine is merchandised, and mode is convenient, flexible；
In transactions velocity, payment speed improves a lot than the online means of payment of swiping the card.Very
Suitable for small amount rapid payment；
In use habit, both compatible original means of payment of swiping the card, can also be provided face-to-face
Digital cash pay, while may also provide electronization transaction record, be easy to financing count,
The acceptable degree of user is high.
Security is showed in the following areas：
Compared with other digital coin systems, D-RMB digital cash be by cash value conversion and
A series of Electronic Coding sequence numbers come, complete to pay by the transfer of these ciphering sequence numbers
Transaction.The security of coin in itself is protected by cryptographic algorithm, can effective guarantee monetary information machine
Close property and integrality, it is safe；
The security of D-RMB digital cash carriers is in mobile terminal using chip technology, on backstage
High in the clouds utilizes trusted technology, realizes end-by-end security；
On the one hand the security of D-RMB digital cash transaction systems depends on traditional e-payment
System security technology, while backstage utilizes powerful D-RMB cloud computing systems, is further ensured
Transaction security；
In terms of privacy of user protection, by way of " foreground voluntarily, backstage real name ", both
Privacy of user is ensure that, the risk of illegal transaction has been evaded again.
Above-mentioned embodiment, does not constitute limiting the scope of the invention.This area
Technical staff is it is to be understood that depending on design requirement and other factors, can occur various
Modification, combination, sub-portfolio and the replacement of various kinds.It is any within the spirit and principles in the present invention
Modifications, equivalent substitutions and improvements made etc., should be included within the scope of the present invention.
Claims (12)
1. a kind of method that digital cash is provided, it is characterised in that including：
First request is sent to business bank's digital coin systems by user terminal, and described first please
Ask for extracting digital cash in the account of business bank from user；
The amount of money of the business bank's digital coin systems according to specified by the described first request, from
Digital cash is extracted in the account；And the second request is sent to Central Bank's digital cash
System, described second asks to carry out owner's change for the digital cash to extraction；
Central Bank's digital coin systems receive second request, and according to described second
Request performs the operation of preset term and successfully indicates operation to return to the commercial silver line number
Word money-system, is included to business bank's digital cash system in the operation of the preset term
The digital cash that system is extracted carries out the operation of owner's change；
Business bank's digital coin systems are received after the successful instruction of the operation, will be carried
The digital cash taken is sent to the user terminal.
2. according to the method described in claim 1, it is characterised in that first request includes：
The title of business bank, the corresponding Bank Account Number of the account and password, digital cash need to be extracted
The amount of money；
Also, business bank's digital coin systems extracted from the account digital cash it
Before, in addition to：
Business bank's digital coin systems confirm the corresponding Bank Account Number of the account and password
Correctly, confirm the remaining sum of the account not less than the amount of money that need to extract digital cash and
Confirm that the digital cash remaining sum in business bank's digital coin systems needs to extract not less than described
The amount of money of digital cash.
3. according to the method described in claim 1, it is characterised in that Central Bank's numeral
Money-system is performed according to the described second request before the operation of preset term, in addition to：
Central Bank's digital coin systems confirm that the owner of extracted digital cash is described
Business bank.
4. according to the method described in claim 1, it is characterised in that the behaviour of owner's change
Work includes：
The owner for the digital cash that business bank's digital coin systems are extracted is by the business
The wallet address of user is revised as in bank, wherein, the wallet address is public key, and public affairs
Key is Hash codes.
5. according to the method described in claim 1, it is characterised in that business bank's numeral
The digital cash extracted is sent to after the user terminal by money-system, in addition to：
Business bank's digital coin systems send transaction to user terminal, and successfully prompting is believed
Breath.
6. according to the method described in claim 1, it is characterised in that the digital cash is word
Symbol string；The user terminal is mobile phone, and the identifier of the user terminal is phone number.
7. a kind of system that digital cash is provided, it is characterised in that including the digital goods of business bank
Coin system and Central Bank's digital coin systems, wherein,
Business bank's digital coin systems are used to receive the first request that user terminal is sent,
And according to the specified amount of money of the described first request, digital cash is extracted from the account；With
And the second request is sent to Central Bank's digital coin systems；And receiving the center
After the operation that bank's digital coin systems are sent successfully is indicated, by the digital goods extracted
Coin is sent to the user terminal；
Central Bank's digital coin systems are used to receive second request, and according to described
Second request performs the operation of preset term and successfully indicates operation to return to the commercial silver
Row digital coin systems, are included in the operation of the preset term to the digital goods of the business bank
The digital cash that coin system is extracted carries out the operation of owner's change；
Wherein, described first ask for extracting digital goods in the account of business bank from user
Coin；
Described second asks to carry out owner's change for the digital cash to extraction.
8. the system according to claim 7 that digital cash is provided, it is characterised in that institute
Stating the first request includes：The title of business bank, the corresponding Bank Account Number of the account and password,
The amount of money of digital cash need to be extracted；
Also, business bank's digital coin systems are extracting digital cash from the account
Before, it is additionally operable to：Business bank's digital coin systems confirm the corresponding bank of the account
Account and password are correct, confirm that the remaining sum of the account need to extract digital cash not less than described
Digital cash remaining sum in the amount of money and confirmation business bank's digital coin systems is not less than
It is described to extract the amount of money of digital cash.
9. the system according to claim 7 that digital cash is provided, it is characterised in that institute
State Central Bank's digital coin systems according to described second request perform preset term operation it
Before, it is additionally operable to：
Central Bank's digital coin systems confirm that the owner of extracted digital cash is described
Business bank.
10. the system according to claim 7 that digital cash is provided, it is characterised in that institute
Stating the operation of owner's change includes：
The owner for the digital cash that business bank's digital coin systems are extracted is by the business
The wallet address of user is revised as in bank, wherein, the wallet address is public key, and public affairs
Key is Hash codes.
11. the system according to claim 7 that digital cash is provided, it is characterised in that institute
State business bank's digital coin systems and the digital cash extracted is being sent to the user terminal
Afterwards, it is additionally operable to：
Business bank's digital coin systems send transaction to user terminal, and successfully prompting is believed
Breath.
12. the system according to claim 7 that digital cash is provided, it is characterised in that institute
Digital cash is stated for character string；The user terminal is mobile phone, and the mark of the user terminal
Accord with as phone number.
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| CN201610177297.8A CN107230049B (en) | 2016-03-25 | 2016-03-25 | Method and system for providing digital currency |
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| CN109389376A (en) * | 2018-09-21 | 2019-02-26 | 中国工商银行股份有限公司 | A kind of merchant method and system based on digital cash |
| CN110473360A (en) * | 2019-08-08 | 2019-11-19 | 上海和数软件有限公司 | Settlement method, system, terminal and computer readable storage medium |
| CN111612440A (en) * | 2020-03-11 | 2020-09-01 | 上海十进制网络信息科技有限公司 | Digital currency circulation method, device, server and readable storage medium |
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| CN112633895A (en) * | 2021-01-05 | 2021-04-09 | 交通银行股份有限公司 | Risk control method and system for bank online website business digital currency transaction |
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| CN115293767A (en) * | 2022-07-26 | 2022-11-04 | 北京科蓝软件系统股份有限公司 | Safety verification method and system for digital currency exchange of high-cabinet of bank |
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