CN107392605A - The distributing method and system of digital cash - Google Patents
The distributing method and system of digital cash Download PDFInfo
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- CN107392605A CN107392605A CN201710493230.XA CN201710493230A CN107392605A CN 107392605 A CN107392605 A CN 107392605A CN 201710493230 A CN201710493230 A CN 201710493230A CN 107392605 A CN107392605 A CN 107392605A
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- digital cash
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- verification
- module
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- 238000000034 method Methods 0.000 title claims abstract description 32
- 238000009826 distribution Methods 0.000 claims abstract description 51
- 238000012795 verification Methods 0.000 claims abstract description 47
- 238000004519 manufacturing process Methods 0.000 claims abstract description 39
- 230000005540 biological transmission Effects 0.000 claims abstract description 10
- 238000012954 risk control Methods 0.000 claims description 13
- 238000001629 sign test Methods 0.000 claims description 4
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 3
- 229910052737 gold Inorganic materials 0.000 claims description 3
- 239000010931 gold Substances 0.000 claims description 3
- 239000012141 concentrate Substances 0.000 claims description 2
- 230000032683 aging Effects 0.000 abstract description 5
- 238000005457 optimization Methods 0.000 abstract description 2
- 230000009467 reduction Effects 0.000 abstract description 2
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- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 239000003607 modifier Substances 0.000 description 3
- 238000012550 audit Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 2
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- 206010044565 Tremor Diseases 0.000 description 1
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- 238000011161 development Methods 0.000 description 1
- 230000018109 developmental process Effects 0.000 description 1
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- 238000006467 substitution reaction Methods 0.000 description 1
- 230000001360 synchronised effect Effects 0.000 description 1
Classifications
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
-
- 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
- G06Q20/04—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
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The embodiment of the present invention provides a kind of distributing method and system of digital cash, and circulation systems are issued with optimization and upgrading legal tender, improves the security of note issuance, ageing, the cost expended in reduction note issuance.Wherein, the distributing method of digital cash includes：Receive the digital cash distribution request that applicant sends；Request carry out business verification is issued the digital cash, in the case where verification passes through, the request of required reserve is reduced to that can remember that accounting data central system is sent；In the case where receiving the successful respond of withholing that can remember the transmission of accounting data central system, production figures currency；The digital cash is sent to the applicant.
Description
Technical field
The present invention relates to the distributing method and system of field of computer technology, more particularly to a kind of digital cash.
Background technology
The existing legal tender in China is the RMB of Central Bank's distribution.The distribution of RMB is based on existing " Central Bank-business
Industry bank " binary system, i.e., issued currency by the Central Bank to business bank, and is steam again by business bank to the Central Bank
Currency.
Existing emission of banknotes is to enter Central Bank floatation treasury from the allocation of funds in flotation, then is transferred to bank from Central Bank's floatation treasury outbound
Institution business storehouse, then circulated field from banking institution's business library.The withdrawal of currency from circulation of existing currency is first to enter from the field of circulation
Banking institution's business library, then enter Central Bank floatation treasury from banking institution's business library.
With the extensive use of the fast development, particularly Internet technology of science and technology, the payment knot in global range
There occurs huge change, various electronic money, virtual digit currency, digital cash product and its payment and settlement service for calculation mode
Emerge in an endless stream.
The appearance of digital cash is trend of the times.The virtual digit currency existent value shakiness of private sector's distribution at present,
Public credibility is not strong, tolerance interval is limited, easily produces the essence defects such as larger negative external effect.At the same time, private sector
The virtual digit currency of distribution has feature, the Central Banks such as anonymity, high diffusivity rate and high fluctuation must be serious in itself
Consider that its impact brought on Payment System operation, currency system operation and financial stability influences.Therefore, by the Central Bank
Promote the legal digital cash of distribution, optimization and upgrading legal tender distribution circulation systems imperative.However, due to digital cash with
There is difference substantially in existing currency, the distribution of existing currency, withdrawal of currency from circulation flow can not be applied to digital cash.
The content of the invention
In view of this, the embodiment of the present invention provides a kind of distributing method and system of digital cash, it is possible to increase currency is sent out
It is capable security, ageing, reduce the cost expended in note issuance.
To achieve the above object, a kind of one side according to embodiments of the present invention, there is provided publisher of digital cash
Method.
The distributing method of the digital cash of the embodiment of the present invention includes：The digital cash distribution that applicant sends is received to ask
Ask；Request carry out business verification is issued the digital cash, in the case where verification passes through, is to that can remember that accounting data is concentrated
System sends the request for reducing required reserve；Receiving the feelings for the successful respond of withholing that can remember the transmission of accounting data central system
Under condition, production figures currency；The digital cash is sent to the applicant.
Alternatively, the digital cash is encryption word string, and the encryption word string includes：Amount of currency, publisher mark and
The owner identifies.
Alternatively, after the step of production figures currency, and sent by the digital cash to the applicant
Before, methods described also includes：Carry out really power registration to the digital cash of production, and by the registration of the digital cash of the production
State is set to available.
Alternatively, the digital cash distribution request includes：Applicant mark, digital cash storehouse mark, application total amount,
Application is detailed；Described the step of issuing the digital cash request carry out business verification, includes：Identified according to the applicant
Verify whether applicant opens an account；Whether the digital cash storehouse that verification applicant is identified according to the digital cash storehouse is registered；Core
Whether consistent look into amount of money summation of the application total amount with the application in detailed.
Alternatively, the digital cash distribution request also includes：Applicant's digital signature；Receiving the number of applicant's transmission
After the step of word note issuance is asked, methods described also includes：Applicant's digital signature is verified；It is logical in checking
In the case of crossing, then request carry out business verification is issued the digital cash.
Alternatively, after the step of issuing the digital cash request carry out business verification, methods described also includes：
Digital cash distribution request is audited according to default risk control rule；In the case where examination ＆ verification passes through, then to
It can remember that accounting data central system sends the request for reducing required reserve.
To achieve the above object, a kind of other side according to embodiments of the present invention, there is provided distribution of digital cash
System.
The publishing system of the digital cash of the embodiment of the present invention includes：Receiving module, for receiving the number of applicant's transmission
Word note issuance is asked；Business verifies module, for issuing the digital cash request carry out business verification；Notice of withholing mould
Block, in the case of passing through in verification, to can remember accounting data central system send reduce payment Reserve Fund request；Production
Module, for receive can remember accounting data central system send successful respond of withholing in the case of, production figures currency；
Sending module, for the digital cash to be sent to applicant.
Alternatively, the digital cash of the production module production is encryption word string, and the encryption word string includes：Coinage gold
Volume, publisher's mark and owner's mark.
Alternatively, the system also includes：Really power Registration Module, for carrying out really power registration to the digital cash of production,
And the enrollment status of the digital cash of the production is set to available.
Alternatively, the digital cash distribution request that the receiving module receives includes：Applicant's mark, digital cash storehouse mark
Know, application total amount, application detail；Verify module and issue the digital cash request carry out business verification, including：According to institute
State applicant and identify whether verification applicant opens an account；The digital cash storehouse of verification applicant is identified according to the digital cash storehouse is
It is no registered；Whether consistent verify amount of money summation of the application total amount with the application in detailed.
Alternatively, the digital cash distribution request also includes：Applicant's digital signature；The system also includes：Sign test
Module, for being verified to applicant's digital signature；Module is verified to institute in the case where being verified, then by business
State digital cash distribution request carry out business verification.
Alternatively, the system also includes：Risk auditing module, for according to default risk control rule to the number
Word note issuance request is audited；In the case where examination ＆ verification passes through, then from withhold notification module to can remember accounting data concentrate
System sends the request for reducing required reserve.
To achieve the above object, a kind of another further aspect according to embodiments of the present invention, there is provided computer-readable storage medium
Matter.
Computer instruction is stored with the computer-readable recording medium of the embodiment of the present invention, the computer instruction can
Run by computer or computer system, so that the computer or computer system are able to carry out the numeral of the embodiment of the present invention
The distributing method of currency.
One embodiment in foregoing invention has the following advantages that or beneficial effect：The numeral sent by receiving applicant
Note issuance request, ask digital note issuance carry out business verification, in the case where verification passes through to accounting data can be remembered
Central system, which is sent, reduces required reserve request and the step such as production figures currency after withholing successfully, can realize Central Bank
To the function of business bank's distribution digital cash.Compared with existing note issuance flow, the embodiment of the present invention greatly improves goods
The security, ageing of coin distribution flow, reduces the cost expended in note issuance, and then optimize the distribution of legal tender
Circulation systems.
Further effect adds hereinafter in conjunction with embodiment possessed by above-mentioned non-usual optional mode
With explanation.
Brief description of the drawings
Accompanying drawing is used to more fully understand the present invention, does not form inappropriate limitation of the present invention.Wherein：
Fig. 1 is the application scenarios schematic diagram of the digital cash distributing method of the embodiment of the present invention；
Fig. 2 is the key step schematic diagram of digital cash distributing method according to embodiments of the present invention；
Fig. 3 is the composition schematic diagram of digital cash publishing system according to embodiments of the present invention.
Embodiment
The one exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including the various of the embodiment of the present invention
Details should think them only exemplary to help understanding.Therefore, those of ordinary skill in the art should recognize
Arrive, various changes and modifications can be made to the embodiments described herein, without departing from scope and spirit of the present invention.Together
Sample, for clarity and conciseness, the description to known function and structure is eliminated in following description.
Fig. 1 is the application scenarios schematic diagram of the digital cash distributing method of the embodiment of the present invention.As shown in figure 1, should at this
With in scene, applicant is business bank, and publisher is the People's Bank.Wherein, business bank is provided with front end processor, and the People's Bank sets
Accounting data central system, digital cash publishing system can be remembered by having.Wherein, it is specially center silver that can remember accounting data central system
Guild meter accounting data central system ACS (Account Central System).In the specific implementation, front end processor and digital goods
Coin publishing system can be selected MQ (message queue) asynchronous communication meanses and carry out data interaction, digital cash publishing system and ACS systems
System also can be selected MQ (message queue) asynchronous communication meanses and carry out data interaction.It will be appreciated that those skilled in the art may be used also
Other communication modes, such as Http synchronous communication modes are chosen according to the actual requirements.
Fig. 2 is the key step schematic diagram of digital cash distributing method according to embodiments of the present invention.Method can shown in Fig. 2
Mainly completed by digital cash publishing system.As shown in Fig. 2 the main step of the digital cash distributing method of the embodiment of the present invention
It is rapid as follows：
Step S201, digital cash publishing system receives the digital cash distribution request that front end processor is sent.When it is implemented,
Before step S201, digital note issuance demand first can be collected by the business bank person of handling, be formed and apply for issuing plan, then by
The auditor of business bank audits to the application issuing plan.Afterwards, business bank will audit the application distribution passed through
Plan is committed to front end processor, and front end processor is according to the application issuing plan generation digital cash distribution request, and by the numeral
Note issuance request is sent to the digital cash publishing system of the People's Bank.Wherein, business bank can at least pass through the following two kinds
Mode submits application issuing plan to front end processor：First, system in front end processor and the row of business bank can be passed through interface interchange
Mode is joined directly together, so as to be sent digital cash issuing plan to front end processor by system in row；2nd, can be in front end processor
Apply for issuing plan described in manual typing in operation interface.
After step S201, step S202 can be directly entered.Or after step S201, it can also first carry out following
Operation：The applicant's digital signature carried to digital note issuance request is verified, in the case where being verified, is entered back into
Step S202.
Step S202, digital cash publishing system issues the digital cash request carry out business verification.Wherein, it is described
Digital cash distribution request may include：Applicant's mark, digital cash storehouse mark, application total amount and detailed (such as the Shen of application
Face amount, number and the purposes of digital cash please).For example, applicant's mark can be the mechanism coding of business bank,
It can be English abbreviation of business bank etc..In addition, in the specific implementation, the digital cash distribution request may also include：
The information such as date of application, account date and ACS institution accounts.In step S202, the business, which is verified, mainly to be included：According to institute
State applicant and identify whether verification applicant opens an account；Whether the digital cash storehouse that applicant is verified according to digital cash public key has been stepped on
Note；Whether consistent verify amount of money summation of the application total amount with the application in detailed.
After step S202, step S203 can be directly entered.Or after step S202, in order to further reduce
The distribution risk of digital cash, the security of digital cash distribution flow is improved, can also first carry out following operation：According to default
Risk control rule is audited to digital cash distribution request.When it is implemented, the risk control rule can be：
The total amount of application distribution need to be less than predetermined threshold value.Under the risk control rule, preset when the total amount of application distribution is less than
During amount of money threshold value, then step S203 is continued executing with；When the total amount of application distribution is more than preset cost threshold value, then refuse this time
Distribution application carries out manual examination and verification.Manual examination and verification by and then enter step S203.It will be appreciated that the wind
Danger control rule can be modified according to the actual requirements.For example the risk control rule can also be：Application distribution frequency is small
It is less than preset cost threshold value in the application distribution total amount in predeterminated frequency threshold value, preset time period.
Step S203, in the case where verification passes through, digital cash publishing system can remember accounting data collection to the Central Bank
Middle system (ACS), which sends, reduces payment Reserve Fund request.Such as verify result be business bank opened an account, digital cash storehouse
In the case that registered, application total amount is consistent with the amount of money summation in application detail, digital cash publishing system is sent to ACS
Required reserve request is reduced, to notify ACS systems to reduce the required reserve of the business bank.Wherein, it is described to reduce deposit
Reserve Fund request may include：Transaction number, the mechanism that withholds, deducted amount.
Step S204, ACS withholds according to asks the required reserve for reducing applicant, and is issued to digital cash and be
System feedback is for the response for reducing required reserve request.Wherein, the response is probably successful respond of withholing, it is also possible to
It is failure response of withholing.In general, the required reserve refers to that what business bank had a People's Bank exceedes legal reserve
The part deposit of Reserve Fund rate, alternatively referred to as " excess reserve ", or " payment reserve ".
Step S205, digital cash publishing system produces number in the case where receiving the successful respond of withholing of ACS transmissions
Word currency.When it is implemented, digital cash publishing system can call encryption equipment or encipheror production figures currency, and will production
Digital cash preserved.Further, the digital cash is encryption word string, and the encryption word string includes：Amount of currency, hair
Row side identifies and owner's mark.In the specific implementation, also word string can be encrypted to digital cash to expand.For example, digital goods
Coin encryption word string may also include：Currency security attribute.Wherein, currency security attribute is one related to digital cash safety encryption
Group field, it can ensure that digital cash can not be forged, can not distorted.
After step S205, step S206 can be directly entered.Or after step S205, correlation can be first carried out
Really power operation, enters back into step S206.Wherein, the related operation of power really includes：The digital cash of production is really weighed
Registration, and the enrollment status of the digital cash of the production is set to available.When it is implemented, can be by really weighing chain to digital goods
Coin carries out right registration.It is set in right registration success and then by enrollment status of the digital cash of production in database
It can use.
It is pointed out that in embodiments of the present invention, for the ease of managing the digital cash produced, in advance in data
In storehouse be provided with digital cash enrollment status attribute field, and there is provided enrollment status attribute can selected value.Such as one
In individual specific embodiment, digital cash enrollment status attribute can selected value include：In production, lock, be available, destroying and steaming again
State.After the successful respond for really weighing application that digital cash publishing system receives that really power chain is sent, by digital goods
The enrollment status of coin is revised as can use.And then enter step S206.
Step S206, digital cash publishing system sends the digital cash to the front end processor.When it is implemented, can
The digital cash of production is carried in the response message of request is issued for digital cash, and by MQ message modes send to
Front end processor.Then, the response message can be forwarded to system in the row of business bank by front end processor by way of interface interchange.Or
The response message can be stored in local by person, front end processor, and business bank operating personnel can check digital goods by front end processor interface
Coin situation.
In embodiments of the present invention, the digital cash distribution sent by receiving front end processor is asked, to digital note issuance
Request carry out business verification, ask and produce number after withholing successfully sending to withhold to ACS systems in the case that verification passes through
The steps such as word currency, it can realize that Central Bank issues the function of digital cash to business bank.Compared with existing note issuance flow,
The embodiment of the present invention greatly improves the security, ageing of note issuance flow, reduces the cost expended in note issuance,
And then optimize the distribution circulation systems of legal tender.Further, after digital cash is produced, by really weighing chain to numeral
Currency carries out right registration, realizes a distributed account book that can not be distorted and can not forge for digital cash, is easy to ensure
The safety of digital cash.
On the other hand, the embodiment of the present invention additionally provides a kind of digital cash publishing system.In the specific implementation, the numeral
Note issuance system can be the part in single a software systems or software systems.Such as the digital goods
Coin publishing system can be the part in digital cash core system.Fig. 3 is digital cash hair according to embodiments of the present invention
The main modular schematic diagram of row system.As shown in figure 3, the digital cash publishing system 300 of the embodiment of the present invention specifically includes：Connect
Receive module 301, business verifies module 302, notification module 303 of withholing, production module 304, sending module 305.
Receiving module 301, the digital cash for receiving front end processor transmission issue request.Wherein, the digital cash hair
Row request may include：Applicant's mark, digital cash storehouse mark, application total amount and detailed (such as the digital goods of application of application
Face amount, number and the purposes of coin).When it is implemented, the digital cash distribution request may also include：Date of application, account day
Phase and ACS institution accounts.
Further, the digital cash publishing system in the embodiment of the present invention may also include sign test module.The sign test module
For being verified to the digital signature of applicant.If checking is not by refusal this time distribution application；It if is verified, then
Module 302 is verified by business and issues the digital cash request carry out business verification.
Business verifies module 302, for issuing the digital cash request carry out business verification.Specifically, mould is verified
The business that block 302 is carried out, which is verified, to be included：The applicant that request carrying is issued according to digital cash identifies whether verification applicant opens
Family；Whether the digital cash storehouse that verification applicant is identified according to digital cash storehouse is registered；Verify application total amount and application is bright
Whether the amount of money summation of detail is consistent.As long as it will be appreciated that not influenceing the implementation of the present invention, those skilled in the art can be to industry
The particular content that business is verified is modified.
Further, the digital cash publishing system in the embodiment of the present invention may also include risk auditing module.The risk
Auditing module, for being audited according to default risk control rule to digital cash distribution request.When it is implemented,
The risk control rule can be：The total amount of application distribution need to be less than predetermined threshold value.Under the risk control rule, work as Shen
When the total amount that please be issued is less than preset cost threshold value, then by notification module 303 of withholing notify ACS systems reduce deposit prepare
Gold；When the total amount of application distribution is more than preset cost threshold value, then refusal this time issues application or carries out manual examination and verification.
Manual examination and verification notify ACS that system reduces required reserve by and then by notification module 303 of withholing.It is it will be appreciated that described
Risk control rule can be modified according to the actual requirements.For example the risk control rule can also be：Application distribution frequency
Less than predeterminated frequency threshold value, the application distribution total amount in preset time period is less than preset cost threshold value.
Withhold notification module 303, in the case of passing through in verification, sent to ACS systems reduce required reserve please
Ask.Notification module 303 withhold by sending request of withholing to ACS, ACS systems can be notified to reduce required reserve.It is specific real
Shi Shi, the request of withholing that notification module 303 of withholing is sent may include：Transaction number, the mechanism that withholds, deducted amount.
Produce module 304, for receive ACS transmission successful respond of withholing in the case of, production figures currency.Tool
When body is implemented, production module 304 can call encryption equipment or encipheror production figures currency, and the digital cash produced is protected
Exist in database.Further, it is encryption word string to produce the digital cash that module 304 produces, and the encryption word string includes：Currency
The amount of money, publisher's mark and owner's mark.In the specific implementation, also word string can be encrypted to digital cash to expand.For example,
Digital cash encryption word string may also include：Currency security attribute.Wherein, currency security attribute is to encrypt phase safely with digital cash
The group field closed, can ensure that digital cash can not be forged, can not distorted.
Sending module 305, for the digital cash to be sent to front end processor.When it is implemented, sending module 305 can incite somebody to action
The digital cash of production is carried in the response message of request is issued for digital cash, and is sent by MQ message modes to preceding
Put machine.
Further, digital cash publishing system 300 may also include：Really power Registration Module.The really power Registration Module, is used for
Really power registration, and the enrollment status of the digital cash of the production is set into available is carried out to the digital cash of production.It is specific real
Shi Shi, the true power Registration Module can be based on the framework realizations including really weighing notification unit, really weighing chain, status modifier unit.Its
In, notification unit is really weighed, for after the production module production figures currency, really power application to be sent to true power chain.Really power
Chain can be based on block chain technique construction.The really power chain is used in the case where receiving the really power application situation, to the numeral of production
Currency carries out right registration, and sends the response for the really power application to status modifier unit.Status modifier unit, is used for
After receiving for the successful respond of the really power application, the enrollment status of the digital cash of production is set to available.
In embodiments of the present invention, by building digital cash publishing system, it can realize that Central Bank issues to business bank
The function of digital cash.Digital cash issuance management system based on the embodiment of the present invention, can be greatly improved note issuance stream
The security of journey, ageing, the cost expended in reduction note issuance, optimize the distribution circulation systems of legal tender.Further,
After production module produces digital cash, right registration is carried out to the digital cash produced by really weighing Registration Module.
And then a distributed account book that can not be distorted and can not forge is realized for digital cash, it is easy to ensure the peace of digital cash
Entirely.
The said goods can perform the method that the embodiment of the present invention is provided, and possesses the corresponding functional module of execution method and has
Beneficial effect.Not ins and outs of detailed description in the present embodiment, reference can be made to the method that the embodiment of the present invention is provided.
Above-mentioned embodiment, does not form limiting the scope of the invention.Those skilled in the art should be bright
It is white, depending on design requirement and other factors, various modifications, combination, sub-portfolio and replacement can occur.It is any
Modifications, equivalent substitutions and improvements made within the spirit and principles in the present invention etc., should be included in the scope of the present invention
Within.
Claims (13)
- A kind of 1. distributing method of digital cash, it is characterised in that including：Receive the digital cash distribution request that applicant sends；To the digital cash issue request carry out business verification, in the case where verification passes through, to can remember accounting data concentrate System sends the request for reducing required reserve；In the case where receiving the successful respond of withholing that can remember the transmission of accounting data central system, production figures currency；The digital cash is sent to the applicant.
- 2. according to the method for claim 1, it is characterised in that the digital cash is to encrypt word string, the encryption word string Including：Amount of currency, publisher's mark and owner's mark.
- 3. according to the method for claim 1, it is characterised in that after the step of production figures currency, and by institute State digital cash to send to before the applicant, methods described also includes：Really power registration, and the enrollment status of the digital cash of the production is set into available is carried out to the digital cash of production.
- 4. according to the method for claim 1, it is characterised in that the digital cash distribution request includes：Applicant's mark, Digital cash storehouse mark, application total amount, application are detailed；Described the step of issuing the digital cash request carry out business verification, includes：Identified according to the applicant and verify Shen Please just whether open an account；Whether the digital cash storehouse that verification applicant is identified according to the digital cash storehouse is registered；Described in verification Apply for whether amount of money summation of the total amount with the application in detailed be consistent.
- 5. according to the method for claim 4, it is characterised in that the digital cash distribution request also includes：Apply for number formulary Word is signed；After the step of receiving the digital cash distribution request that applicant sends, methods described also includes：To the applicant Digital signature is verified；In the case where being verified, then request carry out business verification is issued the digital cash.
- 6. according to the method for claim 1, it is characterised in that issuing the digital cash request carry out business verification The step of after, methods described also includes：Digital cash distribution request is audited according to default risk control rule；In the case where examination ＆ verification passes through, The request of required reserve is reduced to can remember that accounting data central system is sent again.
- A kind of 7. publishing system of digital cash, it is characterised in that including：Receiving module, the digital cash for receiving applicant's transmission issue request；Business verifies module, for issuing the digital cash request carry out business verification；Withhold notification module, in the case of passing through in verification, to can remember that accounting data central system sends that to reduce payment accurate The request of standby gold；Module is produced, in the case where receiving the successful respond of withholing that can remember the transmission of accounting data central system, producing Digital cash；Sending module, for the digital cash to be sent to applicant.
- 8. system according to claim 7, it is characterised in that the digital cash of the production module production is encrypted word String, the encryption word string include：Amount of currency, publisher's mark and owner's mark.
- 9. system according to claim 7, it is characterised in that the system also includes：Really power Registration Module, for carrying out really power registration, and stepping on the digital cash of the production to the digital cash of production Note state is set to available.
- 10. system according to claim 7, it is characterised in that the digital cash distribution request that the receiving module receives Including：Applicant's mark, digital cash storehouse mark, application total amount, application are detailed；Verify module and issue the digital cash request carry out business verification, including：Identified according to the applicant and verify Shen Please just whether open an account；Whether the digital cash storehouse that verification applicant is identified according to the digital cash storehouse is registered；Described in verification Apply for whether amount of money summation of the total amount with the application in detailed be consistent.
- 11. system according to claim 7, it is characterised in that the digital cash distribution request also includes：Apply for number formulary Word is signed；The system also includes：Sign test module, for being verified to applicant's digital signature；In situation about being verified Under, then module is verified by business and issues the digital cash request carry out business verification.
- 12. system according to claim 7, it is characterised in that the system also includes：Risk auditing module, for being audited according to default risk control rule to digital cash distribution request； Examination ＆ verification pass through in the case of, then from withhold notification module to can remember accounting data central system send reduce required reserve please Ask.
- 13. a kind of computer-readable recording medium, computer instruction is stored with the computer-readable recording medium, its feature It is, the computer instruction can be run by computer or computer system, so that the computer or computer system energy Enough perform claims require the method described in 1 to 6 any one.
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