CN107330784B - Method and system for exchanging digital currency - Google Patents
Method and system for exchanging digital currency Download PDFInfo
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Abstract
The invention discloses a method and a system for exchanging digital currency, and relates to the technical field of digital currency. One embodiment of the method comprises: authenticating the identity of the user according to the identity authentication application of the user; if the identity authentication is passed, receiving request information for exchanging the digital currency; deducting the amount of money from the designated bank account according to the request information for exchanging the digital currency, and generating deduction feedback information; generating a digital currency transfer request according to the deduction feedback information and the digital currency exchange request information, and sending the digital currency transfer request to the money-issuing line digital currency system so as to transfer digital currency and generate transfer feedback information by the money-issuing line digital currency system; digital currency is received and recorded in a user's digital currency wallet according to the transfer feedback information. The implementation mode provides a technical scheme that the public applies for exchanging the digital currency through an account bank digital currency system, and further achieves the technical effect that the public can exchange the digital currency in real time.
Description
Technical Field
The invention relates to the technical field of digital currency, in particular to a method and a system for exchanging digital currency.
Background
Digital currency is legal currency represented by a series of character strings, which is currently generally considered to be issued by or authorized by a central bank, including the amount of digital currency, issuer identification, and owner identification in the form of encrypted digital strings representing specific amounts. Digital currency builds on the platform of today's mature computer technology and internet technology, and is today issued by central banks as the core system of digital currency and enters the field of circulation. In the process of digital currency circulation, the problem of digital currency conversion is involved, and how to safely and effectively realize the conversion of the digital currency is a problem to be solved urgently. Furthermore, the dispensing line digital currency system is not directed to the user, so that, at present, the public individuals cannot exchange digital currency in real time.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and a system for exchanging digital currency, which can safely and effectively exchange digital currency, so that public individuals can exchange digital currency in real time, and circulation of digital currency is facilitated.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of exchanging digital money.
The method comprises the following steps: authenticating the identity of the user according to the identity authentication application of the user; if the identity authentication is passed, receiving request information for exchanging the digital currency; the digital currency conversion request information comprises a conversion amount, a user conversion appointed digital currency wallet and an appointed bank account; deducting the amount of money from the designated bank account according to the request information for exchanging the digital currency, and generating deduction feedback information; generating a digital currency transfer request according to the deduction feedback information and the digital currency exchange request information, and sending the digital currency transfer request to a money-issuing line digital currency system so as to transfer digital currency and generate transfer feedback information by the money-issuing line digital currency system; receiving transfer feedback information of the issuing row digital currency system, and recording digital currency in a digital currency wallet specified by a user for conversion according to the transfer feedback information.
Optionally, the method further comprises: and before deducting the amount of money from the designated bank account according to the digital currency conversion request information, performing security check on the digital currency conversion request information.
Optionally, the method further comprises: confirming that the bank account accessed by user authentication is consistent with the designated bank account before deducting the amount of money from the designated bank account according to the request information for exchanging digital currency; confirming that the digital currency wallet bound to the bank account is consistent with the digital currency wallet identification appointed by the user; and confirming that the amount of the digital currency of the account line digital currency bank is not less than the conversion amount.
Optionally, the deduction feedback information includes the designated bank account information, the balance before deduction, the deduction amount and the balance after deduction.
Optionally, the method further comprises: security setting the digital money transfer request before sending the digital money transfer request to a money dispensing digital money system; and after receiving the transfer feedback information of the money receiving and sending line digital money system, carrying out security check on the transfer feedback information.
Optionally, the security setting of the digital money transfer request comprises: adding the digital signature of the account line and the digital signature of the account line digital money bank to the digital money transfer request.
Optionally, the method further comprises: and after the digital currency is recorded in a digital currency wallet appointed by the user according to the transfer feedback information, sending exchange feedback information to the user, wherein the exchange feedback information comprises deduction information, the identification of the digital currency and the amount of the digital currency.
According to another aspect of an embodiment of the present invention, there is provided a system for exchanging digital currency.
The system comprises: the account bank account access authentication system is used for authenticating the identity of the user according to the identity authentication application of the user;
the account row application system is used for receiving request information of exchanging digital currency from the account row user access system after the identity authentication is passed; the digital currency conversion request information comprises a conversion amount, a user conversion appointed digital currency wallet and an appointed bank account;
the account bank account core system is used for deducting the amount of money from the specified bank account according to the request information for converting the digital currency and generating deduction feedback information;
the account bank digital currency system is used for generating a digital currency transfer request according to the deduction feedback information and the conversion digital currency request information, and sending the digital currency transfer request to the money-sending bank digital currency system so that the money-sending bank digital currency system can transfer digital currency and generate transfer feedback information; the account line digital currency system is further configured to receive transfer feedback information from the dispensing line digital currency system and record digital currency in a digital currency wallet designated for redemption by a user based on the transfer feedback information.
Optionally, the account bank application is further configured to perform a security check on the converted digital currency request message before the account bank account core system deducts the amount from the designated bank account in accordance with the converted digital currency request message.
Optionally, the account bank application system is further configured to confirm that the bank account accessed by the user authentication is consistent with the designated bank account before the account bank account core system deducts the amount from the designated bank account according to the request information for converting digital currency; confirming that the digital currency wallet bound to the bank account is consistent with the digital currency wallet identification appointed by the user; and confirming that the amount of the digital currency of the account line digital currency bank is not less than the conversion amount.
Optionally, the deduction feedback information includes deduction bank account information, a balance before deduction, a deduction amount or a balance after deduction.
Optionally, the account line digital money system is further configured to perform security setup on the digital money transfer request prior to sending the digital money transfer request to a dispensing line digital money system; and after receiving the transfer feedback information of the bank-note-dispensing line digital money system, carrying out security check on the transfer feedback information.
Optionally, the account bank digital money system security setting the digital money transfer request comprises: adding the digital signature of the account line and the digital signature of the account line digital money bank to the digital money transfer request.
Optionally, the account line digital currency system is further configured to send redemption feedback information to the user after recording digital currency in a user redemption specified digital currency wallet according to the transfer feedback information, the redemption feedback information including deduction information, identification of digital currency, and amount of digital currency.
According to a further aspect of embodiments of the present invention, there is provided a computer-readable storage medium having stored thereon computer instructions, wherein the computer instructions are executable by a computer or a computer system, thereby enabling the computer or the computer system to perform any one of the above-mentioned methods of exchanging digital money.
One embodiment of the above invention has the following advantages or benefits: after the identity authentication is passed, the digital currency conversion is completed by processing the request information for converting the digital currency and then sending a digital currency transfer request to the money-issuing digital currency system. Because the digital currency transfer request is sent to the money-sending line digital currency system according to the user digital currency exchange request information, the money-sending line digital currency system directly transfers the digital currency to the digital currency wallet of the user, thereby overcoming the technical problem that public individuals cannot apply for exchanging the digital currency to the money-sending line digital currency system, and further achieving the technical effect that the public individuals can exchange the digital currency in real time.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of a method of exchanging digital money according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a flow of an implementation of a method of exchanging digital currency according to an embodiment of the invention;
fig. 3 is a schematic diagram of a main part of a system for exchanging digital money according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of a main flow of a method of exchanging digital money according to an embodiment of the present invention.
As shown in fig. 1, a method for exchanging digital currency disclosed in the embodiment of the present invention mainly includes:
step S101: and authenticating the identity of the user according to the identity authentication application of the user. Before the verification process of the user's request information for exchanging digital currency, the user's identity is first authenticated by the CA certificate system.
Step S102: and if the identity authentication is passed, receiving request information for exchanging the digital currency. After the identity authentication of the user is passed, the user can access the bank account corresponding to the authentication and the digital currency wallet bound to the bank account. The redeeming digital currency request message includes: and further checking the converted amount of the digital currency required to be converted by the user, the user account for deducting money, the user account information and the user digital currency wallet information through the converted digital currency request information. And, the converted digital currency request information is added with the user's digital signature for later security verification.
Step S103: deducting the amount of money from the designated bank account according to the request information for exchanging digital currency, and generating deduction feedback information. The deduction feedback information comprises deduction bank account information, the balance before deduction, the deduction amount or the balance after deduction, and further the progress state of deduction and the specific operation of deduction can be known. Before deducting money, the balance of the inquiry and exchange appointed bank account is not less than the application exchange amount, and the digital currency wallet bound to the bank account is checked to be consistent with the identification of the user inquiry appointed wallet. And deducting the account balance if the check is passed.
Wherein, before deducting according to the request information of exchanging digital currency, the method further comprises the following steps: and carrying out security check on the converted digital currency request information. Before deduction according to the request information for exchanging digital currency, the method further comprises the following steps: confirming that the bank account accessed by the user authentication is consistent with the designated bank account; and confirming that the digital currency wallet bound to the bank account is consistent with the digital currency wallet identification specified by the user exchange. After the consistency check is passed, the error of the subsequent deduction can be avoided as much as possible.
Step S104: and generating a digital money transfer request according to the deduction feedback information and the digital money exchange request information, and sending the digital money transfer request to the money-issuing line digital money system so as to transfer the digital money by the money-issuing line digital money system and generate transfer feedback information. The bank-note issuing row can be a central row or a bank-note issuing mechanism authorized by the central row (such as a port-note issuing mode).
The digital money transfer request includes: the method comprises the steps of sending account row information, digital currency bank identification of an account row, user information, digital currency wallet identification appointed by a user, a transfer digital currency character string set, a transfer amount and the like to a money sending row digital currency system by adding a digital signature of the account row and a digital signature of a bank to a transfer request. Then, after receiving the digital money transfer request, the money-issuing digital money system transfers the digital money according to the request, generates digital money of corresponding amount of money for which the user applies for conversion, records the converted digital money in the transfer feedback information according to the digital money wallet identification specified by the user in the digital money transfer request, and records the digital money belonging to the account bank in the transfer feedback information. The bank note dispensing line sends back transfer feedback information after the transfer is completed by the digital currency system. And after receiving the transfer feedback information of the money-sending line digital currency system, the account line digital currency system records the digital currency belonging to the user in the transfer feedback information in a digital currency wallet appointed by the user, records the digital currency belonging to the account line in the feedback information in an account line digital currency bank, and then finishes the conversion and transfer.
Digital money purses can be classified from an application perspective into digital money application purses (simply referred to as "application purses") and digital money bank purses (simply referred to as "bank purses" or "payment purses"). The application wallet provides digital currency application services for enterprises and individuals by non-banking entities, including various financial services, e-commerce and other internet application scenario services, and the like. The bank wallet is used by banks to provide digital currency-based custody, exchange, payment and other services for enterprises and individuals. The bank wallet provides an interface for the application wallet, and the application wallet can be bound with the bank wallet after being authorized by a user, so that the bank wallet interface is called through the application wallet, and the basic function of the bank wallet is accessed. The digital currency wallet expanded based on the bank account is the bank wallet. The basic function of a bank wallet is to store a string of digital currency of the wallet user as the owner. The user can query the amount, quantity, string details, etc. available for digital currency through the bank wallet. The bank wallet expanded by the bank account supports the user to access the bank wallet in a bank account authentication mode without separate authentication again, and provides a function similar to single sign-on for the bank user. The bank wallet may also provide access to a user, such as a cell phone APP or Web service.
Generating a digital money transfer request according to the deduction feedback information, the exchange digital money request information and the standard of the money-issuing digital money system; the digital money transfer request includes: a transfer amount, a set of transfer digital currency strings, a user-specified digital currency wallet identification, account row information, a digital currency bank identification of an account row, or user information. Before sending the digital money transfer request to the money-issuing line digital money system, the method further includes: security setting the digital money transfer request, wherein security setting the digital money transfer request comprises: the digital signature of the account line and the digital signature of the account line digital money bank are added to the digital money transfer request. After receiving the transfer feedback information of the money receiving and sending line digital money system, the method also comprises the following steps: and carrying out security check on the transfer feedback information. And recording the digital currency in a wallet of digital currency specified by the user for redemption according to the transfer feedback information, further comprising: and sending the exchange feedback information, wherein the exchange feedback information comprises deduction information, the identification of the digital currency and the amount of money.
Fig. 2 is a schematic diagram of a flow of implementing a method of exchanging digital currency according to an embodiment of the present invention.
As shown in fig. 2, a user initiates an application through an account bank user access system, where the application includes two steps, first, the user accesses a CA certificate system (an account bank account access authentication system) through a bank account to perform identity authentication, and then after the identity authentication is passed, the user can access a bank account corresponding to the authentication and a digital currency wallet bound to the bank account. The specific form of the digital currency is an encryption string which comprises the amount of the digital currency, an issuer identification and an owner identification. The digital currency may be embodied or carried in a digital wallet, which in turn may be applied to a mobile terminal, PC terminal or card base. The digital money can be deposited through the digital money safe deposit box from a general viewpoint. And a digital money wallet (simply referred to as "digital wallet") is a digital money safe deposit box for businesses and individuals. The digital currency bank (referred to as "bank" for short) is the digital currency safe deposit box of the commercial bank. The binding of the bank account with the digital money wallet is realized by storing a wallet ID in the class I account and storing the associated bank account ID in the wallet. The type I account refers to an account which is opened through a traditional bank counter and meets all strict requirements of a real name system, and is an account with full functions. The bank account of the user binding wallet is a basic account or a class I account, and is a full-function account with real name, and each bank user can only open one account. Meanwhile, each bank can only open one wallet, and the wallet is bound with the account. The user can only access the wallet to which the account is bound by the identity of the primary account or class I account. The inconsistency is not accessed. Other bank accounts are limited accounts, and are lower than the requirement of real-name wallet authentication, so that the wallet can be accessed through other bank authentication. The account bank digital currency wallet (also called bank wallet) opened by the user is authenticated by an account bank account CA system and is opened based on the existing basic bank account or class I account. Bank wallets are strong real name certificates as are basic or class I accounts. The method comprises the steps of opening a digital currency wallet in a bank account authentication mode, binding a bank account with the wallet, and specifying the binding relationship by a user in an opening process. After successful opening, the bank account will identify the ID of the digital currency wallet and thus correspond.
After the identity authentication is passed, the user initiates a deposit exchange digital currency request message to the account bank application system through the account bank user access system, wherein the deposit refers to the deposit used in the online operation process. The redeeming digital currency request message includes: the user identification, the user bank account identification, the user digital currency wallet identification, the conversion amount and other identification information, the conversion amount can be the amount of deposit or the amount of digital currency to be converted, and the digital currency conversion request information is added with the digital signature of the user. Further, the account line application may be aware of the user's information and the amount of digital currency exchanged.
And after the account bank application system verifies the digital signature of the digital currency request information exchanged by the user, checking that the bank account authenticated and accessed by the user is consistent with the bank account appointed by the exchange, and further ensuring the safety of operation. And then, sending the application redemption information to the account bank account core system. And the account bank account core system inquires that the balance of the specified bank account is not less than the applied conversion amount, checks that the digital currency wallet bound to the bank account is consistent with the identification of the specified wallet inquired by the user, and deducts the balance of the bank account of the account bank if the check is passed. The account bank account core system sends deduction feedback information to the account bank application system, wherein the deduction feedback information comprises: deducting bank account information, the balance before deducting, the deducting amount and the balance after deducting. After determining that the account bank core system deducts money successfully through the deduction feedback information, the account bank application system sends exchange request information to the account bank digital currency system, wherein the exchange request information comprises: deduction bank account information, deduction amount, converted digital currency wallet identification and the like. The account bank digital money system generates a digital money transfer request from the conversion request information according to the digital money system standard, wherein the digital money transfer request comprises: account bank information, account bank digital currency bank identification, user information, user digital currency wallet identification, transfer digital currency word string sets, transfer amounts, etc., and the digital currency transfer request is sent to the bank issuing line digital currency system with the account bank digital signature and the account bank digital currency bank digital signature added.
And after the money-issuing line digital money system receives the digital money transfer request, the digital money transfer is completed after contents such as account line information, account line digital money bank information, account line digital signature, digital signature of a bank, user information, user digital money wallet information, digital money owner identification and the amount of money not less than the payment amount are verified. In the process of transferring digital money by the money-issuing digital money system, the digital money string in the transfer digital money string set sent by the account line digital money system is registered as a waste state, then a going digital money string is generated according to the converted amount, and the going digital money strings of the digital money wallets belonging to the account line digital money bank and the user respectively are recorded in the transfer feedback information. Then, after receiving the transfer feedback information, the account line digital money system records the digital money belonging to the user in the transfer feedback information in a digital money wallet specified by the user, and records the digital money belonging to the account line in the feedback information in an account line digital money bank.
And after the account line digital currency system receives the information of successful transfer, the digital currency of the user is recorded in the digital currency wallet of the user, and the digital currency of the account line is recorded in the bank of the account line. And the account row digital currency system sends the exchange transfer success information to the account row application system, and the exchange transfer success information comprises the following steps: the digital currency identity and amount of the conversion, etc. The account row application system returns the redemption success information to the account row user access system, and the redemption success information comprises the following steps: the bank account deduction information (balance before deduction, deduction amount and balance after deduction), the converted digital currency identification and amount and the like.
Fig. 3 is a schematic diagram of a main part of a system for exchanging digital money according to an embodiment of the present invention.
As shown in fig. 3, the system 300 for exchanging digital currency of the embodiment of the present invention mainly includes: account row bank account access authentication system 301, account row application system 302, account row account core system 303, and account row digital currency system 304.
The account bank account access authentication system 301 authenticates the identity of the user after the user applies for authentication through the account bank user access system.
And the account row application system 302 is used for receiving the request information of exchanging the digital currency from the account row user access system after the identity authentication is passed. The digital currency conversion request information comprises the conversion amount, a user conversion appointed digital currency wallet and an appointed bank account. After the user identity authentication is passed, the account bank application system 302 sends the request information for exchanging digital currency to the account bank application system through the account bank user access system, and after the account bank application system verifies the digital signature of the request information for exchanging digital currency, the bank account accessed by the user authentication is confirmed to be consistent with the bank account appointed by exchange. And sends the application redemption information to the account bank account core system of account bank account core system 303.
And the account bank account core system 303 is used for deducting money according to the request information for exchanging the digital currency and generating deduction feedback information. The account bank account core system 303 inquires that the balance of the exchange-designated bank account is not less than the application exchange amount, and checks that the digital currency wallet bound to the bank account is consistent with the identification of the wallet inquired and designated by the user. And if the check is passed, the balance of the account is deducted, so that the rights and interests of the account bank can be ensured, and the condition of deducting money due to inconsistent information is avoided. The designated bank account may be an account bank account or a bank account to which the class I account has access.
The account line digital currency system 304 is used for generating a digital currency transfer request according to the deduction feedback information and the conversion digital currency request information and sending the digital currency transfer request to the money sending line digital currency system; and the digital currency is recorded in a digital currency wallet specified by the user for conversion according to the transfer feedback information. The deduction feedback information comprises deduction bank account information, the balance before deduction, the deduction amount or the balance after deduction. The account line digital currency system generates a digital currency transfer request according to the deduction feedback information, the conversion digital currency request information and the standard of the bank-note issuing line digital currency system; the digital money transfer request includes: a transfer amount, a set of transfer digital currency strings, a user digital currency wallet identification, account row information, a digital currency bank identification of an account row, or user information. In the process of transferring digital money by the money issuing digital money system, the digital money string in the transfer digital money string set sent by the account line digital money system is registered as a waste state, then a going digital money string is generated according to the converted amount, and the going digital money strings of the digital money wallets belonging to the account line digital money bank and the user respectively are recorded in the transfer feedback information. Then, after receiving the transfer feedback information, the account line digital money system records the digital money belonging to the user in the transfer feedback information in a digital money wallet specified by the user, and records the digital money belonging to the account line in the feedback information in an account line digital money bank. The account line digital currency system is further used for sending conversion feedback information after recording the digital currency in a digital currency wallet specified by the user for conversion according to the transfer feedback information, wherein the conversion feedback information comprises deduction information, identification of the digital currency and the amount of money.
And before the account bank account core system deducts money according to the request information for exchanging the digital currency, carrying out security check on the request information for exchanging the digital currency. Before deducting money according to the digital currency conversion request information, the account bank account core system checks whether a bank account accessed by user authentication is consistent with a bank account appointed by conversion; and checking whether the digital currency wallet bound by the bank account is consistent with the digital currency wallet identification specified by the user exchange. Before the account bank digital money system sends the digital money transfer request to the money-issuing bank digital money system, security setting is carried out on the digital money transfer request; and after receiving the transfer feedback information of the cash receiving line digital money system, carrying out security check on the transfer feedback information. The account line digital money system may perform security setup on the digital money transfer request by adding the digital signature of the account line and the digital signature of the account line digital money bank to the digital money transfer request.
As can be seen from the above, the system for exchanging digital currency according to the embodiment of the present invention can be implemented by a bank-issuing digital currency system and an account bank system. Wherein, account bank system includes: an account row access system to provide user front-end access (Web, or APP) or application service provider API access; an account line application for providing service functions for accounts and wallets; an account bank account core system used for processing the accounting, transaction and the like of the bank account of the user; managing the account bank digital currency bank, the user wallet and the account bank digital currency system responsible for the user wallet opening CA for issuing, etc. The digital currency wallet opened by the account bank corresponds to the bank account of the account bank, and the logic of the corresponding relation is determined by the business rule. The corresponding relation can be realized in various ways, and the bank account stores the wallet identification and can correspond to the wallet.
According to the technical scheme of the system for exchanging the digital currency, disclosed by the embodiment of the invention, after the identity authentication of the user passes, the user can access the bank account corresponding to the authentication and the digital currency wallet bound to the bank account. Wherein if the authentication is carried out according to the account identity, the account of the user and the digital currency wallet bound by the account can be accessed. If the identity is authenticated according to the digital wallet, only the wallet of the user can be accessed. And, a digital money transfer request is generated in accordance with the digital money system standard, and the digital money transfer request is transferred to the issuing line digital money system. The money line digital currency system completes the transfer of digital currency, records the digital currency of corresponding amount which is applied by the user to exchange in the digital currency wallet of the user, and records the digital currency of the account line in the bank of the account line. Furthermore, the technical scheme of the system for exchanging the digital currency enables the user to establish a communication relationship with the money-issuing line digital currency system, overcomes the technical problem that public individuals cannot apply for exchanging the digital currency to the money-issuing line digital currency system, and achieves the technical effect that the public individuals can exchange the digital currency in real time.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (15)
1. A method of exchanging digital currency, comprising:
authenticating the identity of the user according to the identity authentication application of the user;
if the identity authentication is passed, receiving request information for exchanging the digital currency; the digital currency conversion request information comprises a conversion amount, a user conversion appointed digital currency wallet and an appointed bank account; the digital currency is an encryption string that includes an amount of the digital currency, an issuer identification, and an owner identification;
deducting the amount of money from the designated bank account according to the request information for exchanging the digital currency, and generating deduction feedback information;
generating a digital currency transfer request according to the deduction feedback information and the digital currency exchange request information, and sending the digital currency transfer request to a money-issuing line digital currency system so as to transfer digital currency and generate transfer feedback information by the money-issuing line digital currency system;
receiving transfer feedback information of the issuing row digital currency system, and recording digital currency in a digital currency wallet specified by a user for conversion according to the transfer feedback information.
2. The method of claim 1, wherein the converted digital currency request message is security checked prior to deducting the amount of money from the designated bank account based on the converted digital currency request message.
3. The method according to claim 1 or 2, wherein before deducting the amount of money from the designated bank account according to the converted digital currency request information, further comprising:
confirming that the bank account accessed by the user authentication is consistent with the designated bank account; confirming that the digital currency wallet bound to the bank account is consistent with the digital currency wallet identification appointed by the user; and confirming that the amount of the digital currency of the account line digital currency bank is not less than the conversion amount.
4. The method of claim 1, wherein the deduction feedback information includes specified bank account information, a pre-deduction balance, a deduction amount, and a post-deduction balance.
5. The method of claim 1, wherein prior to sending the digital money transfer request to a bank-note dispensing line digital money system, further comprising: security setting the digital money transfer request;
after receiving the transfer feedback information of the money receiving and sending line digital money system, the method also comprises the following steps: and carrying out security check on the transfer feedback information.
6. The method of claim 5, wherein security setting the digital money transfer request comprises:
adding the digital signature of the account line and the digital signature of the account line digital money bank to the digital money transfer request.
7. The method of claim 1, wherein recording digital currency in a user's redemption specified digital currency wallet based on the transfer feedback information further comprises:
and sending exchange feedback information to the user, wherein the exchange feedback information comprises deduction information, the identification of the digital currency and the amount of the digital currency.
8. A system for exchanging digital currency, comprising:
the account bank account access authentication system is used for authenticating the identity of the user according to the identity authentication application of the user;
the account row application system is used for receiving request information of exchanging digital currency from the account row user access system after the identity authentication is passed; the digital currency conversion request information comprises a conversion amount, a user conversion appointed digital currency wallet and an appointed bank account; the digital currency is an encryption string that includes an amount of the digital currency, an issuer identification, and an owner identification;
the account bank account core system is used for deducting the amount of money from the specified bank account according to the request information for converting the digital currency and generating deduction feedback information;
the account bank digital currency system is used for generating a digital currency transfer request according to the deduction feedback information and the conversion digital currency request information, and sending the digital currency transfer request to the money-sending bank digital currency system so that the money-sending bank digital currency system can transfer digital currency and generate transfer feedback information; the account line digital currency system is further configured to receive transfer feedback information from the dispensing line digital currency system and record digital currency in a digital currency wallet designated for redemption by a user based on the transfer feedback information.
9. The system of claim 8, wherein the account bank application is further configured to perform a security check on the converted digital currency request message prior to the account bank account core deducting the amount from the designated bank account based on the converted digital currency request message.
10. The system according to claim 8 or 9, wherein the account line application system is further configured to confirm that the bank account to which the user has authenticated access is consistent with the designated bank account before the account line account core system deducts the amount from the designated bank account according to the converted digital currency request information; confirming that the digital currency wallet bound to the bank account is consistent with the digital currency wallet identification appointed by the user; and confirming that the amount of the digital currency of the account line digital currency bank is not less than the conversion amount.
11. The system of claim 8, wherein the deduction feedback information includes specified bank account information, a pre-deduction balance, a deduction amount, and a post-deduction balance.
12. The system of claim 8, wherein the account line digital money system is further configured to perform security setup on the digital money transfer request prior to sending the digital money transfer request to a dispensing line digital money system; and after receiving the transfer feedback information of the bank-note-dispensing line digital money system, carrying out security check on the transfer feedback information.
13. The system of claim 12, wherein the account bank digital money system security setting the digital money transfer request comprises:
adding the digital signature of the account line and the digital signature of the account line digital money bank to the digital money transfer request.
14. The system of claim 8, wherein the account line digital currency system is further configured to send redemption feedback information to the user after recording digital currency in a user's redemption designated digital currency wallet based on the transfer feedback information, the redemption feedback information including deduction information, an identification of the digital currency, and an amount of the digital currency.
15. A computer-readable storage medium having computer instructions stored thereon, the computer instructions being executable by a computer or a computer system to cause the computer or computer system to perform the method of any one of claims 1 to 7.
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| CN108229954B (en) * | 2017-12-28 | 2020-11-03 | 中国人民银行数字货币研究所 | Coin storage method and system based on digital currency wallet |
| CN108133369B (en) * | 2017-12-28 | 2021-04-30 | 中国人民银行数字货币研究所 | Digital currency exchange method and system |
| CN108564433B (en) * | 2018-03-19 | 2020-08-21 | 阿里巴巴集团控股有限公司 | Method, device and server for currency conversion |
| CN110162514A (en) * | 2019-04-03 | 2019-08-23 | 成都知度酒业有限公司 | Anti-counterfeiting authentication method inside and outside commodity packaging |
| CN112101921A (en) * | 2020-09-25 | 2020-12-18 | 珠海优特物联科技有限公司 | Digital currency transferring method and system, Internet of things card and storage medium |
| CN114677816B (en) * | 2021-08-02 | 2023-09-08 | 中国人民银行数字货币研究所 | Digital currency deposit and withdrawal machine |
| CN116228234B (en) * | 2023-05-09 | 2023-07-11 | 矩阵时光数字科技有限公司 | Quantum security digital currency conversion method |
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