CN107230051A - The method of payment and payment system of digital cash - Google Patents

The method of payment and payment system of digital cash Download PDF

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Publication number
CN107230051A
CN107230051A CN201610178647.2A CN201610178647A CN107230051A CN 107230051 A CN107230051 A CN 107230051A CN 201610178647 A CN201610178647 A CN 201610178647A CN 107230051 A CN107230051 A CN 107230051A
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digital
digital cash
bank
beneficiary
payment
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CN107230051B (en
Inventor
姚前
李会锋
温信祥
李连三
王栋兵
刘浩
赵欣
唐晓雪
刘文舒
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Digital Currency Institute of the Peoples Bank of China
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Institute of Printing Science and Technology Peoples Bank of China
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Priority to CN201610178647.2A priority Critical patent/CN107230051B/en
Publication of CN107230051A publication Critical patent/CN107230051A/en
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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
    • G06Q20/04—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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • 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
    • G06Q20/30—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
    • G06Q20/3674—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 involving authentication
    • 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
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q40/03—Credit; Loans; Processing thereof

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
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  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention provides a kind of method of payment and payment system of digital cash, to solve a variety of weak points in prior art.The method of payment of the digital cash of the present invention includes：Payer terminal equipment receives the Payment Amount of peripheral operation input, beneficiary mark and withdrawal identification code；Payer terminal equipment chooses the digital cash that total amount is equal to Payment Amount in paying party digital cash wallet；Digital cash and withdrawal identification code are sent to the corresponding beneficiary terminal device of beneficiary mark by payer terminal equipment with near-field communication modes；Digital cash and withdrawal identification code are sent to business bank's digital coin systems by beneficiary terminal device by network；Business bank's digital coin systems will include digital cash and withdrawal identification code is sent to Central Bank's digital coin systems by network；Owner's information of digital cash is changed to beneficiary and remarks withdrawal identification code by Central Bank's digital coin systems by paying party.

Description

The method of payment and payment system of digital cash
Technical field
The present invention relates to computer network and computer software technical field, a kind of particularly digital cash Method of payment and payment system.
Background technology
Digital cash is a series of currency that cash value is converted to Electronic Coding sequence numbers, the security of coin in itself according to Rely in cryptographic algorithm to protect.In terms of cryptographic algorithm, digital coin systems security is related to symmetric cryptography, asymmetric close Code, message digest algorithm and Identity- based cryptography, must deeply consider the totality of cryptographic system in terms of system realization Security, the selection of cryptographic algorithm, the realization of cryptographic algorithm, the designing of interaction protocol, the world, compatibility of domestic standard etc., Ensure the transaction security of digital cash.
Popularized with the development of mobile Internet, mobile payment industry quickly changes propulsion, based on mobile Internet, NFC, The business model of all kinds of technologies such as HCE, Token, bio-identification is constantly brought forth new ideas, and application scenarios, which are constantly expanded, to be enriched, on line, under line Business integrative development accelerates.While mobile payment new technology provides the user diversification convenient payment services, also lead The industry transition and upgrade such as communication, finance, internet develops.Mobile payment broad based growth prospect is common extensively as full industry Know, mobile payment is considered as the on-line off-line important entry of connection.The transaction system of digital cash should using mobile payment as Core carries out business model design.
Under mobile payment service pattern, the key storage carrier of digital cash can by hardware SE modules (security module), HCE and TEE is provided.Hardware SE receives the accreditation in financial transaction field by its secured computing environment provided, Is used widely, with extensive user base, good disposal environment and makes in current debt-credit note card, electronic cash With custom.As mobile payment technology is continued to develop, as mobile payment technology is continued to develop, SE component forms also there occurs very Many changes, new solution is constantly put into practice.
On the data transmission channel of transaction accepting terminal (POS) and the means of payment (such as between card, mobile phone), at present There are a variety of transmission means：RF radio communications, short message, barcode scanning, sound wave, photon, various ways and save as between payment carrier Communication is provided convenience.
On authentication mode, the certification based on password, the certification based on password+smart card can be divided into, based on biological characteristic The certification of (fingerprint, face).Wherein password, the certification of biological characteristic are used for far field payment, and smart card authentication is used near field Pay.
Cloud computing is the main flow direction at following background server end, and the background system of digital cash should use the solution based on cloud Certainly scheme.
In e-commerce initiative, because role is different, the requirement to digital cash is also different：Customer requirement digital cash makes With convenient, safety is stored and with anonymity；Businessman requires that digital cash has confirmability, and can be exchanged into real goods Coin；Bank then requires that digital cash can not be illegally used and forge, therefore, and digital cash D-RMB should have 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 easily checked out；
3. controllable anonymity：Bank and businessman, which act in collusion, can not track the use of digital cash, it is desirable to which system can not The buying behavior of the user of electronic cash is linked together, so that the purchasing history of hidden digital cash user, but digital goods The use of digital cash can be traced in the publisher of coin；
4. unforgeable：User can not the pseudo- digital cash faked；
5. fairness：Payment process is fair, it is ensured that or both sides merchandise successfully, or both sides do not lose, prevented Only a certain counterparty sustains a loss in transaction；
6. compatibility：The distribution flow of digital cash is sent out with reference to commodity money as far as possible with intermediate links in D-RMB systems Row and circulation.
And for digital cash, the various usage scenarios in existing currency should be can adapt to, and can be with showing There is currency convertibility.
In current economic life, existing mass transit card, municipal all-purpose card card, dining room meal card, etc. individual to businessman P2B (Peer to Business) pays scene and uses offline electronic payment technology.By taking the meal card of dining room as an example, personal user needs to obtain first Pick-up card (the specific offline electronic payment card issued by catering companies), then personal user supplements with money to the meal card, end user Meal card is held to order to dining room, during checkout by meal card with dining room POS close contact with exchange Transaction Information so as to complete consumption The process of payment.In above-mentioned flow, at least following drawback：(1) offline electronic payment card is typically entity card, consumable material, not ring Protect.(2) during applying for card and supplement with money, personal user and businessman will making time and energy.(3) personal user holds papery goods During coin is supplemented with money to offline electronic payment card, businessman need put into the energy identification note true and false, and it is possible to because The error of financial staff and receive counterfeit money, cause economic loss.(4) if advanced charge fails to be exhausted, remaining sum can not In other field free flow, user needs to look for businessman's pin card reimbursement, cumbersome.(5) personal user may possess public affairs simultaneously Multiple offline electronic payment cards such as card, dining room meal card are handed over, it is inconvenient to carry.
The offline electronic payment technology that current individual-to-individual P2P (Peer to Peer) is paid in scene is not yet popularized completely, Because a variety of limitations of ins and outs cause application field limited.
The content of the invention
In view of this, the present invention provides a kind of method of payment and payment system of digital cash, to solve in prior art A variety of weak points.Other objects of the present invention, effect and beneficial effect can be drawn from embodiment.
First aspect present invention proposes a kind of method of payment of digital cash, including：Payer terminal equipment receives outside Operate Payment Amount, beneficiary mark and the withdrawal identification code of input；The payer terminal equipment is in the digital goods of paying party The digital cash that total amount is equal to the Payment Amount is chosen in coin wallet；The payer terminal equipment is by the digital cash With withdrawal identification code the corresponding beneficiary terminal device of the beneficiary mark is sent to near-field communication modes；The gathering The digital cash and withdrawal identification code are sent to business bank's digital coin systems by square terminal device by network；The business Industry bank digital coin systems will include digital cash and withdrawal identification code is sent to digital cash system of the Central Bank by network System；Owner's information of the digital cash is changed to beneficiary and standby by Central Bank's digital coin systems by paying party Note withdrawal identification code.
Alternatively, in addition to：Central Bank's digital coin systems are sent to business bank's digital coin systems First transaction success notification；Business bank's digital coin systems are according to the described first transaction success notification, respectively to described Payer terminal equipment and the beneficiary terminal device send the second transaction success notification.
Alternatively, owner's information of the digital cash is changed by paying party in Central Bank's digital coin systems After the step of for beneficiary and remarks withdrawal identification code, in addition to：Central Bank's digital coin systems record transaction Flowing water.
Alternatively, the digital cash and withdrawal identification code are sent to business by the beneficiary terminal device by network Before the step of bank's digital coin systems, in addition to：The beneficiary terminal device confirms that the digital cash is legal；It is described Beneficiary terminal device confirms that the digital cash is equivalent with the Payment Amount.
Alternatively, business bank's digital coin systems will include digital cash and withdrawal identification code is sent by network Before the step of to Central Bank's digital coin systems, in addition to：Business bank's digital coin systems confirm the numeral Currency is legal；Business bank's digital coin systems confirm that the digital cash is equivalent with the Payment Amount；The business Bank's digital coin systems confirm the nonregistered user that the beneficiary is business bank.
Alternatively, owner's information of the digital cash is changed to by Central Bank's digital coin systems by paying party Before the step of beneficiary and remarks withdrawal identification code, in addition to：Central Bank's digital coin systems confirm the number The owner of word currency is the paying party.
Alternatively, the digital cash and withdrawal identification code use the cryptographic technique private key based on mark of the paying party Signed, and encryption is identified using the beneficiary.
Second aspect of the present invention proposes a kind of payment system of digital cash, including：Payer terminal equipment, beneficiary are whole End equipment, business bank's digital coin systems and Central Bank's digital coin systems, wherein：The payer terminal equipment is used In：Receive Payment Amount, beneficiary mark and the withdrawal identification code of peripheral operation input；In paying party digital cash wallet Choose the digital cash that total amount is equal to the Payment Amount；By the digital cash and withdrawal identification code with near-field communication modes It is sent to the corresponding beneficiary terminal device of the beneficiary mark；The beneficiary terminal device is used for：Will be described Digital cash and withdrawal identification code are sent to business bank's digital coin systems by network；Business bank's digital cash system Uniting is used for：Digital cash and withdrawal identification code are sent to Central Bank's digital coin systems by network；The Central Bank Digital coin systems are used for：Owner's information of the digital cash is changed to beneficiary by paying party and remarks are withdrawn the money and recognized Code.
Alternatively, Central Bank's digital coin systems are additionally operable to：Business bank's digital coin systems are sent First transaction success notification；Business bank's digital coin systems are additionally operable to：According to the described first transaction success notification, difference The second transaction success notification is sent to the payer terminal equipment and the beneficiary terminal device.
Alternatively, Central Bank's digital coin systems are additionally operable to：Record transaction journal.
Alternatively, the beneficiary terminal device is additionally operable to：Confirm that the digital cash is legal；Confirm the digital cash It is equivalent with the Payment Amount.
Alternatively, business bank's digital coin systems are additionally operable to：Confirm that the digital cash is legal；Confirm the number Word currency is equivalent with the Payment Amount；Confirm the nonregistered user that the beneficiary is business bank.
Alternatively, Central Bank's digital coin systems are additionally operable to：Confirm that the owner of the digital cash pays to be described Money side.
Alternatively, the digital cash and withdrawal identification code use the cryptographic technique private key based on mark of the paying party Signed, and encryption is identified using the beneficiary.
Technique according to the invention scheme, due to employing digital cash on currency source, so that overall process can be It is virtual, insubstantial, with environmental protection advantage, also thoroughly avoid carrying around the shortcoming of inconvenience.And due to currency source On employ digital cash, so the present invention have the advantages that anti-counterfeiting performance height, being capable of anti money washing.Compared with prior art, originally The technical scheme of invention can eliminate open card, supplement with money, move back card or beneficiary goes the step of business bank opens an account, and save friendship The time and efforts of easy each side.In addition, beneficiary can be the nonregistered user of bank, application is wider.
Brief description of the drawings
Accompanying drawing is used to more fully understand the present invention, does not constitute inappropriate limitation of the present invention.Wherein：
Fig. 1 is the schematic diagram of the main flow of the work of the pre- fabrication relevant with embodiment of the present invention；
Fig. 2 is the schematic diagram of the flow of the user's registration D-RMB account relevant with embodiment of the present invention；
Fig. 3 is the schematic diagram of the D-RMB process of exchange relevant with embodiment of the present invention；
Fig. 4 is general frame when online service is provided according to the D-RMB digital coin systems of embodiment of the present invention A kind of schematic diagram of structure；
Fig. 5 is the signal of the computer system included according to business bank's digital coin systems of embodiment of the present invention Figure；
Fig. 6 is a kind of framework interconnected according to business bank's digital coin systems of embodiment of the present invention with external system Schematic diagram；
Fig. 7 is the schematic diagram of the key step of the method for payment of the digital cash according to embodiment of the present invention；
Fig. 8 is the schematic diagram of the main modular of the payment system of the digital cash according to embodiment of the present invention.
Embodiment
The exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including embodiment of the present invention Various details should think them only exemplary to help understanding.Therefore, those of ordinary skill in the art should recognize Know, various changes and modifications can be made to embodiment described herein, without departing from scope and spirit of the present invention. Equally, for clarity and conciseness, the description to known function and structure is eliminated in following description.
In embodiment of the present invention, digital cash (hereinafter referred to as D-RMB) design based on cryptarithm is described, Main operation mode is that the Central Bank is classified construction D-RMB systems together with each business bank.Here the Central Bank is currency Issuer, such as People's Bank of China.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 combined by the Central Bank together with each business bank Operation.D-RMB systems include the D run on the Core server at optional network specific digit centerCoinDistribution, client are logged in, customer account Management, trade management, fraud detection, core business module, the also needs such as the mobile phone including user terminal, notebook computer and core The terminal client program of server interaction, meanwhile, it also includes DCoinFund transfer system is run in relied on the whole country Electronic communication network including internet, such a opening mode of mobile radio communication.Before D-RMB systems are discussed, clearly：
1. it is compatible with the circulation of existing commodity money.The distribution flow of digital cash is use up with intermediate links in D-RMB systems It may be issued with reference to commodity money with circulating, digital cash storage is after three links in D-RMB systems, and one is the numeral of Central Bank Note issuance storehouse (i.e. digital cash fund)；Two be the inventory figures cash of the bank storehouse of business bank, i.e. business bank；Three are In the client applications of user terminal, i.e. stored value card.During this different link, D-RMB Register can complete phase The log-on operation of pass.
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, and mobile phone, IC-card core are there may be with electronic digital form It is main using mobile phone and IC-card as the digital goods of carrier storage D-RMB herein in the various electronic device terminals of piece, notebook computer etc. Coin come example of discussing, but be not intended to it can only be using mobile phone and IC-card as carrier.
The payment mode of 4.D-RMB system designs be by D-RMB digital cash transfer (i.e.：DCoinTransaction) realize.
5.D-RMB systems will obey the relevant institutions requirement of China's cash management.Specific requirement is determined by business department's demand It is fixed.
6. to avoid competing with existing book keeping operation Payment System homogeneity, D-RMB systems may be designed as restriction amount and pay.
For convenience of follow-up description, to following notation convention：
Enc：Encryption, is herein referred to user and is downloaded from IBC centers after private key, signed with the private key of oneself to sending information And be encrypted with the public key of other side.
Dec：Decryption, carries out the decryption of document received in particular to user with oneself private key, and using other side's cell-phone number as right Public key (or directly public key) is answered, Signature Confirmation is carried out to the information that user sends.
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 of characters, represent 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 string number, represent 100 yuan of people People's coin, the like, index number represents actual RMB number.
BAccount：The Bank Account Number of bank of deposit where user.
H(M)：Carry out the obtained value of Hash operation to M, M can be cell-phone number, Institution Code or a string of characters, numerals etc..
D-RMB is concurrently advanced into circulation, in as digital cash by People's Bank of China sets up as legal tender The People's Bank of state tenders guarantee as final credit side, participates in converting, converging and consumption in national standard architecture.It is a string of codes, With the value of money meaning with " face amount " in actual circulation equally.D-RMB digital cash simulates distribution of the paper bank note in Central Bank And management process, disposably generate digital cash by this digital cash circulation of Central Bank in D-RMB floatation treasurys.
In D-RMB system designs, DCoinIt can be produced by least unit denomination, can also be according to the specific Withdrawal Amount of user To produce, it can also be produced by commodity money denomination in circulation, specifically can be by systematic parameter in initial procedure by which kind of mode Set.For closer to reality, it is illustrated subsequently exemplified by fixing denomination in circulation.
D-RMB in floatation treasury simulates the face amount in circulation completely, and " printing " generation digitized representation " one circle, Wu Yuan, is picked up Circle, 20 circles, 50 circles, 100 circles " etc., a ciphertext 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 produce：DCoin 1、DCoin 5、DCoin 10、DCoin 20、 DCoin 50、DCoin 100) then：
Step 1：Six basic Crypted passwords are produced respectively with numeral 1,5,10,20,50 and 100 by main 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, Crypted password is generated.
Step 4：By Central Bank, private key pair encryption password is signed, and is represented new coin and is produced.If withdrawer will carry and represent 100 Yuan DCoin 100, then during actually withdrawing deposit, can by represent 100 yuan of unique random number word with it is corresponding encrypt substantially it is close Code encryption generates encrypted cipher text m, then m is signed by Central Bank's private key.
In D-RMB systems, there are the digital cash floatation treasury of Central Bank, the digital cash bank storehouse of business bank and user terminal The stored value card of (such as mobile phone).The substance of digital cash transfer includes：
(1) according to digital cash total volume of issuing, the unified generation digital cash (i.e. production figures monetary fund) of Central Bank, storage In Central Bank floatation treasury.
(2) according to the demand application of business bank's digital cash, digital cash is sent to corresponding business bank and deposits number The database of word currency, i.e. digital cash are from floatation treasury to bank storehouse.
Such as certain is according to note issuance total amount, and Central Bank issues 1,000,000,000 D-RMB, and Central Bank is placed in after these D-RMB distribution In floatation treasury.Wherein 200,000,000 were withdrawn from this 1,000,000,000 D-RMB according to the application of certain bank later, these 200,000,000 D-RMB being lifted off Be stored in the bank storehouse of the bank (bank is reduction 200,000,000 in the required reserve account of Central Bank, meanwhile, 2 hundred million D-RMB be stored in the bank storehouse of the business bank, its drawing compared with commodity money such as operation of keeping accounts), in Register, The corresponding owner of these digital cash is changed to business bank by Central Bank, and records the information such as corresponding operating flowing water.
(3) when digital cash is extracted in user's application, digital cash is from bank storehouse to intermediate links, into subscription client In storage medium (such as in mobile phone), i.e., the stored value card from bank storehouse to user.In Register, these digital cash are corresponding Owner is changed to user by business bank, and records the information such as corresponding operating flowing water.
(4) in intermediate links, digital cash is substantially to be shifted to complete branch between two users each stored value card Pay, now pay and be divided into online transaction and off-line trading, specific operation flow carries out labor later.In Register, The corresponding owner of these digital cash is changed to user 2 by user 1, 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 the legal of transaction digital cash Property, record transaction journal and correct the new owner of correspondence digital cash, and register other information needed (specifically by business demand Determine).
If using IC-card as carrier, also there is the work of pre- fabrication, in the work of pre- fabrication, Central Bank's digital cash System and business bank's digital coin systems carry out sequence of operations to the D-RMB chip cards for including storage medium, mainly have： Central Bank's digital coin systems are generated the individuation data of D-RMB chip cards by preassigned content；Business bank's numeral Money-system will apply for that the personal information of the user of D-RMB chip cards writes the D-RMB chip cards；Digital cash system of business bank System is with user IBC public keys to Verification System application IBC private keys, and user's IBC public keys are the mark or the use of D-RMB chip cards The mark at family.The main flow being related in operating above is as shown in figure 1, Fig. 1 is the pre- fabrication relevant with embodiment of the present invention Work main flow schematic diagram.
Card base is used as DCoinSafety barrier, in DCoinThe links of circulation are for ensureing DCoinSecurity have and certain strengthen making With (independent physical support IC-card is also referred to as " D-RMB chip cards ").
(1) production of D-RMB chip cards
The production of D-RMB chip cards must be by passing through Central Bank's certification, enterprise's production with production qualification, for Its quantity manufactured and quality are by the Central Bank (or other departments of Central Bank's mandate) strict control.Enterprise qualification Identifying procedure includes：Submission application, material examination ＆ verification, scale detection, scene test and assess, authorize the links such as 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 set up individualized center, right The D-RMB chip cards of new production carry out individual operation.
(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 authorize commercial silver by individual subscriber application, system of real name hair fastener by the Central Bank Row is on behalf of distribution, and business bank carries out real name examination ＆ verification to user, and registers related data, after examination ＆ verification passes through, to the Central Bank D-RMB chip cards carry out secondary hair fastener, and 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 select according to actual conditions Whether applicant identity information is verified.
Business bank according to actual conditions select to use the unique identifying number or user mobile phone number of D-RMB chip cards as with Family IBC public keys, and then apply for private key to IBC authentication centers.
D-RMB systems are supported in the mode such as computer equipment, mobile phone, POS, ATM and Web as carrier, in selection line Or off-line transaction, it is exemplified here middle to illustrate exemplified by mainly using mobile phone as carrier.
On mobile phone terminal, the unblock such as various numerical ciphers, graphical passwords is set and startup password can effectively protect mobile phone The safety of upper personal information.With the arrival in smart mobile phone epoch, all kinds of finger print mobile phones based on biological characteristic have been enter into commonly Consumer group, it can take different encrypting fingerprints for different application, different customizing messages, and the application of these new technologies can be effective Ensure the storage safety of digital cash on mobile phone, pertinent transaction information.
To ensure transfer safety of the digital cash between mobile phone, D-RMB systems need to introduce secure certification architecture.The Central Bank Existing ca authentication center is utilized between financial institution, social user (including personal and enterprise) is using IBC (Identity- Based Cryptograph) authentication center's progress authentication.
For the private key and Central Bank's public key produced in IBC, PKI, need the safety for being stored in mobile phone reliable and securely exclusive Region SE areas (Secure Element), SE areas can simulate card technique HCE (Host by hardware (mobile phone changes card) or by main frame Card Emulation) realize.Change card to protect key if user takes, key is downloaded in card application process is changed and is arrived Mobile phone SE areas.
In authentication system process of construction, it can be designed according to traditional PKI authentication system, uniformly set up PKI systems, by CA provides strong digital signature, can also design, be managed using user mobile phone number as public key by IBC, especially for small volume The offline electronic payment of degree, it appears that more convenient.Hereafter all introductions to business will be illustrated with IBC certifications.Fig. 2 is and the present invention The schematic diagram of the flow of the relevant user's registration D-RMB accounts of embodiment, Fig. 3 is the D- relevant with embodiment of the present invention The schematic diagram of RMB process of exchanges.
When carrying out user's registration, mainly there is below scheme：Central Bank's digital coin systems are used receiving user The proof of identification information sent of terminal device after, send the application software suitable for the terminal device to the terminal device；In Bank's digital coin systems are entreated to send IBC public keys and IBC private keys, Ran Houyu to the terminal device for running the application software The terminal device carries out authentication session and session key agreement；Central Bank's digital coin systems are received should described in operation The user account sent with the terminal device of software, then sends user cipher to the terminal device.
With digital cash D from user 1 to 50 yuan of 2 on-line payment of userCoin 50Exemplified by, to illustrate to be related to D in process of exchangeCoin 50 Security protocol during transfer.User 1 logs in the mobile phone A PP application programs of oneself, completes to recognize with both sides' identity of D-RMB systems Card, and with SSL mode consulting session keys after, perform trade agreement.Exemplified by using cell-phone number as IBC public keys, in the mobile phone of user 1 Client：Cell-phone customer terminal chooses 50 yuan of digital cash D automaticallyCoin 50, according to trading rules tissue relevant information M ‖ m, wherein M It can be designed as：The ‖ D of M=transaction code ‖ cell-phone numbers 1Coin 50‖ payment ‖ cell-phone numbers 2, message H is obtained to message segment Hash operation (M) m that signs to obtain, is carried out to H (M) with the corresponding private key of cell-phone number 1, M ‖ m to D-RMB systems are cryptographically sent.
D-RMB system ends：M ‖ m are obtained by agreement decrypted message, message validity is verified, i.e., are the checking of cell-phone number 1 m with public key With H (M), message is prevented to be tampered in transmitting procedure；Verify DCoin 50It is whether legal, trading rules and relevant information are understood, is performed Corresponding operating, mainly includes Register's change D after business checkingCoin 50Owner, cell-phone number 2 is changed to by the cell-phone number 1 bound, and Record corresponding flowing water.Send DCoin 50Merchandised successfully to mobile phone 2, and to both sides' prompting.
To further enhance anonymity, the Hash that Register's ownership correspondence cell-phone number can be changed to cell-phone number (uses for reference ratio Special coin wallet address, is made up of public key Hash), it is described in detail below：
Client tissue message is constant, in the cell-phone customer terminal of user 1：The automatic digital cash D for choosing 50 yuanCoin 50, according to friendship Easy regular weaves relevant information M ‖ m, wherein M can be designed as the ‖ D of M=transaction code ‖ cell-phone numbers 1Coin 50‖ payment ‖ cell-phone numbers 2, message H (M) is obtained to message segment Hash operation, the m that signs to obtain is carried out to H (M) with the corresponding private key of cell-phone number 1, cryptographically Send M ‖ m to D-RMB systems.
D-RMB system ends：M ‖ m are obtained by agreement decrypted message, message validity is verified, i.e., are the checking of cell-phone number 1 m with public key With H (M), message is prevented to be tampered in transmitting procedure；Verify DCoin 50It is whether legal, trading rules and relevant information are understood, is performed Corresponding operating, mainly includes Register's change D after business checkingCoin 50Owner, H (cell-phone numbers are changed to by the H (cell-phone number 1) bound 2), and corresponding flowing water is recorded.Send DCoin 50Merchandised successfully to mobile phone 2, and to both sides' prompting.
On the design of system convenience, in embodiments of the present invention, the interface of transaction and entrance have a variety of.Lifted in scene During example, only illustrated with an entrance, such as registered user is in business bank's transacting business, you can first straight by the adept machine of user Login D-RMB systems are connect, also D-RMB systems can be logged in by business bank.
On account password problem, can be needed whether to need user to input account password come flexible design according to business. It is small amount payment system based on D-RMB systems, it is proposed that it is contemplated that whether setting password by user's unrestricted choice.Of the invention real In the explanation for applying mode, described by password is not stayed, but in the implementation, can be according to actual conditions depending on.
On client application problem, user can download corresponding client application at oneself corresponding end On end (such terminal software is equivalent to " wallet " instrument), (it can also claim as cellphone subscriber can download D-RMB mobile phone terminals program For mobile phone A PP).Terminal program can be designed comprising following functions：One is DCoinManagement function.(1) terminal program can unite automatically Count all DCoinThe amount of money；(2) amount of money number that can be inputted according to user is automatically found the D in " wallet "CoinCombination, and in payment process In the automatic selected D matchedCoinIt is traded；(3) after the completion of merchandising, the D of expenditure will be participated in automaticallyCoinDeleted；(4) energy Digital cash in automatic distinctive mark " wallet " without Central Bank's on-line testing and registered digital cash is verified.Two be to complete The function that business needs, such as online application for registration, extract, pay, cashing, business function is asked in offline payment, and Public key encryption, private key signature etc. operation are automatically performed in process of exchange.
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 the encryption number of the specific amount of money of representative signed by Central Bank for a string Word string.
Two class libraries：It is D-RMB floatation treasury and bank storehouse respectively.Digital cash shows as the number of Central Bank in floatation treasury Word monetary fund；Digital cash shows as the inventory figures cash of business bank in bank storehouse.
Three centers：One is Register's (including currency is produced, circulated, checking verification and extinction overall process record)；Separately Wai Lianggeshi authentication centers, i.e. ca authentication center (are based on PKI systems, mechanism and user certificate managed concentratedly, such as CFCA) and IBC authentication centers, i.e., the authentication center (Identity-Based that the cryptographic technique based on mark is set up Cryptograph).Two tables can be designed in Register, one is digital cash right registration table, records returning for digital cash Category, another is transaction flow water meter.
Identity- based cryptography IBC in embodiment of the present invention can be directly using user identity be used as public affairs Key, the certification of public key no longer relies on certificate, simplifies the use and management of key, with without catalogue, it is easy to use, be easy to dimension The advantages of shield.
For identity, personal user can use cell-phone number, it would however also be possible to employ the E-mail addresses matched with mobile phone Or other character strings by conversion, so facilitate client itself to remember, other people are unable to find out), to reach controllable anonymity Purpose.Enterprise customer can use organization mechanism code, can also be used as the identity mark at IBC centers using customized code Know, it is convenient only by taking cell-phone number as an example in citing below to illustrate in this, as public key.
D-RMB systems are a kind of systems of stagewise, i.e., built together by the Central Bank with each business bank, Central Bank's numeral Money-system be by the Central Bank or Central Bank's Notified body operation maintenance be used for handle the information on digital cash Computer system, the distribution that its major function includes being responsible for digital cash is monitored with checking, business bank be by business bank or The computer system for being used for handling the information on digital cash of business bank's Notified body operation maintenance, it performs existing silver The various functions of capable relevant currency, i.e. bank function, it is main to include applying to after digital cash from the Central Bank, it is responsible for direct Towards the society, every demand that digital cash Streamline Service is provided is met.
In the basic structure according to the digital coin systems of embodiment of the present invention, during digital coin systems mainly include It (can be multiple business bank's digital cash systems in practice to entreat bank's digital coin systems, business bank's digital coin systems System) and Verification System.Wherein, Central Bank's digital coin systems are used to producing and issuing digital cash, and to digital goods Coin carries out right registration；Business bank's digital coin systems are used to perform bank function for digital cash；Verification System is used for Certification is provided to the interaction between terminal device used in the user of Central Bank's digital coin systems and digital cash, and Certification is provided to the interaction between Central Bank's digital coin systems and business bank's digital coin systems.
Fig. 4 is general frame when online service is provided according to the D-RMB digital coin systems of embodiment of the present invention A kind of schematic diagram of structure.
In general frame shown in Fig. 4, the core of D-RMB digital cash operating is business bank's digital coin systems, centre Row D-RMB systems are connected with firm D-RMB systems, are responsible for being traded confirmation.Firm's D-RMB systems and Central Bank's D-RMB systems Advanced cloud can be made full use of to carry out scattered deployment, while firm's D-RMB systems interconnect with its built-in system.
As can be seen from Fig., business bank's digital coin systems are connected in core position with other networks or system, can Using " cloud computing technique construction.D-RMB digital coin systems support the network data of various different agreements, such as:Virtual private Net VPN, special line, satellite network, public switch telephone network (PSTN), global system for mobile communications (GSM), PLMN (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 function modules：From motion tracking Account possesses the electronic purse function module of how many D-RMB digital cash, turned from the D-RMB digital cash between motion tracking each side Move and recognize the supervisory role module, e-bank's service function and manageming contacts CRM functional module of suspicious transaction.
The logic placement of server in business bank's digital coin systems is by the way of three-tier architecture：That is expression layer, Namely front end applications system 200；Backend application system 202, is also session layer, application layer, or logical transaction layer；Back-end data Storehouse 204 is data Layer.Its corresponding physical machine disposes block diagram as shown in figure 5, Fig. 5 is the business according to embodiment of the present invention The schematic diagram for the computer system that bank's digital coin systems are included.
Front end applications system 200 is the application program for running the directly interaction of user and money-transfer services operator, Such as web application, what is disposed herein is Web server cluster.User and money-transfer services operator are connect by user Mouth and the interaction of these application programs, user interface have personal computing devices 114 and mobile device etc..User can pass through this entrance Access electronic purse function, supervisory role, virtual bank's function, CRM functions.It can be increased income on Web server using apache etc. Software.
Backend application system 202 is mainly used to be to support data access, business logic processing of front end applications system 200 etc. Background function.This regional deployment application server.D-RMB digital cash can be used with the JBOSS works under Red Hat open source systems Tool carrys out development and application program.
Background data base 204 is mainly DataBase management system, including data warehouse, stores the pin of transferring money Sell transaction, customer profile and tracking and regulation Central Bank digital coin systems carry out D-RMB digital cash and shift required Other data.D-RMB digital coin systems 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 as shown in fig. 6, Fig. 6 is A kind of schematic diagram of the framework interconnected according to business bank's digital coin systems of embodiment of the present invention and external system.
Upper figure demonstrates business bank's digital coin systems with existing including Central Bank's central server, other business bank's systems The physics and logic placement of interior various external system adapters.There are currency transaction data adapter, mobile service providers SMS Gateway adapter, Retailer system adapter, ATM data supply system adapters etc., by way of this interconnection in it is genuinely convinced Business device can receive the digital cash transfer request from every class entity and response.Fig. 6 has absolutely proved D-RMB digital cash system The good support united to each channel, networks of different protocol, this is also that its system has the performance of open feature.
Below will be using user mobile phone as terminal mode, using cell-phone number as identity, the various industry to operating D-RMB Business flow is illustrated by, main the flow such as to log in, extract, pay, deposit and cash including client downloads, is handed over face-to-face Easy mode is illustrated.The client of user is logged in, extracted, cash flows require that user must complete under presence, and is propped up The process of paying can be divided into on-line payment and offline electronic payment, then form multiple scene states and its corresponding flow, each flow The purpose to be reached is realized by series of operation steps.In addition to mobile phone, at present and in the future be likely to occur other Intelligent terminal can serve as D-RMB carrier and perform miscellaneous service flow.
Individually below to the summary of flow (following " process description ") and scene state (" scene explanation " below) with And (following " step explanation ") is been described by one by one the step of realize the flow in this scenario.
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 log in D-RMB system mistakes Journey.
Scene explanation：Qualified business bank (such as industrial and commercial bank) connection ca authentication center, IBC authentication centers and registration Center, digital cash service is provided to user.The APP installation procedures that user is provided by mobile phone-downloaded by business bank log in business Industry bank 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, downloads by business bank The mobile phone A PP installation procedures of offer, for the user of existing account (IBC authentication centers), can directly be logged in；For new use Family, it is necessary to carry out account initialization operation first.
Step 2. is initialized：In page typing relevant information (such as name, address, e-mail address, cell-phone number, identity 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 digital coin systems unique accounts are created for the user, And in its uniqueness of IBC central authentications.Personal user can use cell-phone number, generate user's initial log password and be sent to user Mobile phone；IBC centers produce the private key of user according to cell-phone number, and public key is user mobile phone number, is traded using public key as account Circulation.
Step 4. user mobile phone end：Activated Account after receiving initial log password, download private key for user and Central Bank's public key To mobile phone protective zone, login password is changed by logging on mobile phone A PP, 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.
Method of payment and payment system below again to the digital cash in embodiment of the present invention is made further specifically It is bright.
Fig. 7 is the schematic diagram of the key step of the method for payment of the digital cash according to embodiment of the present invention.Such as Fig. 7 Shown, the method for payment of the digital cash of embodiment of the present invention can include steps A1 to step A6.The embodiment party Beneficiary can be the nonregistered user of business bank in the method for formula.The implication of nonregistered user refers to the user not in business Registered in industry bank digital coin systems, but still downloaded on mobile phone the cell-phone customer terminal of business bank's exploitation.Should The method of embodiment is applied to the payment system of the digital cash of embodiment of the present invention.
Step A1：Payer terminal equipment, which receives the Payment Amount of peripheral operation input, beneficiary mark and withdrawn the money, to be known Other code.
Assuming that paying party is user 1, payer terminal equipment is the cell-phone customer terminal of user 1；Beneficiary is user 3, Beneficiary is the cell-phone customer terminal of user 3.The mark of beneficiary can be the cell-phone number of user 3.Withdrawal identification code is gathering After Fang Chenggong gatherings, business bank's sales counter will be made a return journey or when business bank self-help drawing money machine carries out checking identity during enchashment The character string used.
Step A1 detailed process is exemplified below：User 1 log in its cell-phone customer terminal, selection function " to registered user from Line is paid ", then input Payment Amount (such as 50 yuan), beneficiary mark (such as cell-phone number of user 3) and identification of withdrawing the money Code (such as PIN).Refer to this means payer terminal equipment have received the offline electronic payment including Payment Amount, beneficiary mark Order.
Step A2：Payer terminal equipment chooses the number that total amount is equal to Payment Amount in paying party digital cash wallet Word currency.
If there is the digital cash D that an amount of money is 50 yuan in the digital cash wallet of user 1Coin 50, then this digital goods is chosen Coin.
Step A3：Digital cash and withdrawal identification code are sent to beneficiary by payer terminal equipment with near-field communication modes The corresponding beneficiary terminal device of mark.
Specifically, payer terminal equipment can be according to default trading rules tissue relevant information, and generating includes numeral Currency DCoin 50With withdrawal identification code PIN the first Transaction Information, it is then sent to the corresponding beneficiary terminal of beneficiary mark and sets It is standby.
It should be noted that the concrete form of near-field communication NFC (Near Field Communication) mode can be with Flexibly setting.Alternatively, in order to strengthen security performance, digital cash and withdrawal identification code can be using paying parties based on mark Cryptographic technique IBC (Identity-Based Cryptograph) private key signed, and using beneficiary identify encryption.
Alternatively, before step A4 is performed, beneficiary terminal device carries out the first following checking：Beneficiary terminal is set The legitimacy of standby checking digital cash；Beneficiary terminal device verifies whether digital cash and Payment Amount are equivalent.Need explanation , the particular content of the first Transaction Information and the first checking can flexibly set according to trading rules, herein only example And the restriction of non-invention.The process of first checking can be completed offline.If first is verified, beneficiary terminal device (i.e. the cell-phone customer terminal of user 2) starts waiting for networking, prepares to upload pertinent transaction information, next performs step A4.If First authentication failed, then terminate flow.
Step A4：Digital cash and withdrawal identification code are sent to business bank's numeral by beneficiary terminal device by network Money-system.
Specifically：In the case where beneficiary terminal device is successfully accessed, beneficiary terminal device is according to default Trading rules tissue relevant information, generation includes digital cash DCoin 50With withdrawal identification code PIN the second Transaction Information, then Second Transaction Information is sent to business bank's digital coin systems by network.
Alternatively, before step A5 is performed, business bank's digital coin systems carry out the second following checking：Commercial silver Row digital coin systems verify the legitimacy of digital cash；Business bank's digital coin systems checking digital cash and Payment Amount It is whether equivalent；Business bank digital coin systems checking beneficiary whether be business bank nonregistered user.Need explanation Be, the second Transaction Information and second checking particular content can flexibly be set according to trading rules, herein only example and The restriction of non-invention.If second is verified, step A5 is performed.If the second authentication failed, terminates flow.
Step A5：Digital cash and withdrawal identification code are sent to central silver by business bank's digital coin systems by network Row digital coin systems.
Specifically：Then business bank's digital coin systems generate bag according to default transaction specification tissue relevant information Include digital cash DCoin 50With withdrawal identification code PIN the 3rd Transaction Information, during then the 3rd Transaction Information is sent to by network Entreat bank's digital coin systems.
Alternatively, before step A6 is performed, Central Bank's digital coin systems carry out the 3rd following checking：Central silver Whether the owner of row digital coin systems checking digital cash is paying party.It should be noted that the 3rd Transaction Information and the 3rd The particular content of checking can flexibly be set according to trading rules, and the restriction of the present invention is only exemplary rather than herein.If the Three are verified, then perform step A6.If the 3rd authentication failed, terminates flow
Step A6：Owner's information of digital cash is changed to beneficiary simultaneously by Central Bank's digital coin systems by paying party And remarks withdrawal identification code.
Specifically：Central Bank's digital coin systems are by digital cash DCoin 50Owner's information be changed to by paying party user 1 Beneficiary user 3 and remarks withdrawal identification code PIN.
It should be noted that are changed into owner's information by digital cash for Central Bank's digital coin systems and remarks are withdrawn the money and known After other code, transaction journal can also be recorded.
In order that paying party and beneficiary obtain successful feedback of merchandising, after step A 6, it can also include as follows Step A7 and step A8 (not shown in Fig. 6).
Step A7：Central Bank's digital coin systems send first and merchandised to business bank's digital coin systems successfully to be led to Know.
Step A8：Business bank's digital coin systems are according to the first transaction success notification, respectively to payer terminal equipment The second transaction success notification is sent with beneficiary terminal device.
Fig. 8 is the schematic diagram of the main modular of the payment system of the digital cash according to embodiment of the present invention.Such as Fig. 8 institutes Show, the payment system B of the digital cash of embodiment of the present invention can include payer terminal equipment B1, beneficiary terminal device B2, business bank digital coin systems B3 and Central Bank digital coin systems B4.Wherein beneficiary can be business bank Nonregistered user.
Payer terminal equipment B1 is used for：Receive Payment Amount, beneficiary mark and the knowledge of withdrawing the money of peripheral operation input Other code；The digital cash that total amount is equal to Payment Amount is chosen in paying party digital cash wallet；By digital cash and withdrawal Identification code is sent to the corresponding beneficiary terminal device B2 of beneficiary mark with near-field communication modes.
Beneficiary terminal device B2 is used for：Digital cash and withdrawal identification code are sent to business bank's numeral by network Money-system B3.
Business bank digital coin systems B3 is used for：Digital cash and withdrawal identification code are sent to central silver by network Row digital coin systems B4.
Central Bank digital coin systems B4 is used for：Owner's information of digital cash is changed to beneficiary simultaneously by paying party And remarks withdrawal identification code.
Alternatively, Central Bank's digital coin systems B4 is additionally operable to：First is sent to business bank digital coin systems B3 Transaction success notification；Business bank digital coin systems B3 is additionally operable to：According to the described first transaction success notification, respectively to payment Square terminal device B1 and beneficiary terminal device B2 sends the second transaction success notification.
Alternatively, Central Bank's digital coin systems B4 is additionally operable to：Record transaction journal.
Alternatively, beneficiary terminal device B2 is additionally operable to：Confirm that digital cash is legal；Confirm digital cash and Payment Amount It is equivalent.
Alternatively, business bank's digital coin systems B3 is additionally operable to：Confirm that digital cash is legal；Confirm digital cash with paying The money amount of money is equivalent；Confirm the nonregistered user that beneficiary is business bank.
Alternatively, Central Bank's digital coin systems B4 is additionally operable to：The owner for confirming digital cash is paying party.
Alternatively, digital cash and withdrawal identification code are signed using the cryptographic technique private key based on mark of paying party Name, and encryption is identified using beneficiary.
It is illustrated below for repeat business detection.In the case of online transaction, D-RMB systems pass through DCoinWith user account Binding mode carrys out anti-repeat business.There is a right registration table in Register in D-RMB systems, and record sheet pattern can be designed such as table 1：
Table 1
Digital cash name Owner Remarks
Pbc100adfkl09987766670 138xxxxx001 DCoin 100
…… …… ……
Pbc50cadfkl09987766670 137xxxxx002 DCoin 50
User 1 (cell-phone number 138xxxxx001) is paying D to user 2 (cell-phone number 138xxxxx002)Coin 100During, D- RMB systems Register right registration table：Change DCoin 100Correspondence owner, by owner's field Central Plains cell-phone number 138xxxxx001's Wallet address is changed to cell-phone number 138xxxxx002 wallet address, if user 1 still wants to use DCoin 100Paid to other users, Now its owner has not been user 1, it is impossible to complete to pay, and prevents from repeating to pay with this.
If Register's right registration table represents owner, Register's ownership with public key Hash in D-RMB systems Registration form can be designed such as table 2：
Table 2
Assuming that H (138xxxxx001) value is 1Xadcfdgdadg, H (138xxxxx002) value is 2xcfdald3xgdf, is used Family 1 (cell-phone number 138xxxxx001) is paying D to user 2 (cell-phone number 138xxxxx002)Coin 100During, D-RMB systems are stepped on Note center 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 has not been user 1, it is impossible to complete Into payment, prevent 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, current almost all of electronics shows The repetition of golden system progress, which is paid, checks it is all delayed, that is, repeats payment inspection and all carried out after the completion of payment process.
The transaction that we set simultaneously, as small amount payment (being less than 1000 yuan), is an acceptable for personal user Scope, and using calling to account mechanism afterwards, to record of bad behavior by typing credit investigation system to discipline as a warning.
From the foregoing, it will be observed that the method for payment and payment system of the digital cash of embodiment of the present invention, due on currency source Digital cash is employed, so that overall process can be virtual, insubstantial, with environmental protection advantage, is also thoroughly avoided Shortcoming inconvenient to carry.And due to employing digital cash on currency source, so the digital goods of embodiment of the present invention The method of payment and payment system of coin have the advantages that anti-counterfeiting performance it is high, being capable of anti money washing.Compared with prior art, the present invention is real Card can be eliminated open, supplement with money, move back card or beneficiary goes the step of business bank opens an account by applying the technical scheme of mode, be saved The time and efforts of Trading parties.In addition, beneficiary can be the nonregistered user of bank, application is wider.
For from convenience, provided using mobile phone as terminals scheme (hereinafter referred to as " phone solution ") more Implementation and means are used, system deployment facility, user's simple operation is good, be more easy to promote.
Consider from security, using mobile phone as D-RMB carriers, HCE and TEE schemes can be used, deposited more greatly so as to provide Space is stored up, hardware vendor is not exclusively relied on, promoted more convenient.
Compared with market, other replace the money-system of bank note, D-RMB tentatively has the spies such as convenience is good, security is high Point, convenience is showed in the following areas：
In issuing way, D-RMB is the digitlization of currency in itself, independent of any bank account and single network；
On storage mode, D-RMB storage medium can be that the electronics such as mobile phone or card, disk, computer is set It is standby, provide the user multiple choices.Especially using mobile phone as the D-RMB of carrier can make full use of the keyboard of mobile phone, display, Positioning, storage, calculate, the function such as communication, can also secondary development, expand significantly and pay scene and convenience；
In the means of payment, it can both provide and pay transaction face to face similar to bank note, can also provide similar to e-payment system The network remote payment transaction of system, you can support is online, can also support offline transaction, and mode is convenient, flexible；
In transactions velocity, payment speed improves a lot than the online means of payment of swiping the card.It is very suitable for small amount quickly to prop up Pay；
In use habit, both compatible original means of payment of swiping the card, can also provide aspectant digital cash and pay, The transaction record of electronization is may also provide simultaneously, is easy to financing to count, and the acceptable degree of user is high.
Security is showed in the following areas：
Compared with other digital coin systems, D-RMB digital cash is a series of electronics converted by cash value Ciphering sequence number, payment transaction is completed by the transfer of these ciphering sequence numbers.The security of coin in itself by cryptographic algorithm Lai Protection, can effective guarantee monetary information confidentiality and integrity, it is safe；
The security of D-RMB digital cash carriers utilizes credible skill in mobile terminal using chip technology, in backstage high in the clouds Art, realizes end-by-end security；
On the one hand the security of D-RMB digital cash transaction systems depends on traditional electronic fare payment system safe practice, Backstage utilizes powerful D-RMB cloud computing systems simultaneously, has further ensured transaction security；
In terms of privacy of user protection, by way of " foreground voluntarily, backstage real name ", privacy of user is both ensure that, again The risk of illegal transaction is evaded.
Above-mentioned embodiment, does not constitute limiting the scope of the invention.Those skilled in the art should be bright It is white, depending on design requirement and other factors, can occur various modifications, combination, sub-portfolio and replacement.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 (14)

1. a kind of method of payment of digital cash, it is characterised in that including：
Payer terminal equipment receives the Payment Amount of peripheral operation input, beneficiary mark and withdrawal identification code；
The payer terminal equipment chooses the numeral that total amount is equal to the Payment Amount in paying party digital cash wallet Currency；
The digital cash and withdrawal identification code are sent to the gathering by the payer terminal equipment with near-field communication modes The corresponding beneficiary terminal device of side's mark；
The digital cash and withdrawal identification code are sent to the digital goods of business bank by the beneficiary terminal device by network Coin system；
Business bank's digital coin systems will include digital cash and withdrawal identification code is sent to the Central Bank by network Digital coin systems；
Central Bank's digital coin systems by owner's information of the digital cash by paying party be changed to beneficiary and Remarks withdrawal identification code.
2. the method for payment of digital cash according to claim 1, it is characterised in that also include：
Central Bank's digital coin systems send the first transaction success notification to business bank's digital coin systems；
Business bank's digital coin systems are according to the described first transaction success notification, respectively to the payer terminal equipment The second transaction success notification is sent with the beneficiary terminal device.
3. the method for payment of digital cash according to claim 1, it is characterised in that in Central Bank's digital cash After the step of owner's information of the digital cash is changed to beneficiary and remarks withdrawal identification code by system by paying party, Also include：
Central Bank's digital coin systems record transaction journal.
4. the method for payment of digital cash according to claim 1, it is characterised in that the beneficiary terminal device is by institute State digital cash and the step of withdrawal identification code is sent to business bank's digital coin systems by network before, in addition to：
The beneficiary terminal device confirms that the digital cash is legal；
The beneficiary terminal device confirms that the digital cash is equivalent with the Payment Amount.
5. the method for payment of digital cash according to claim 1, it is characterised in that business bank's digital cash system Before the step of system will be sent to Central Bank's digital coin systems including digital cash and withdrawal identification code by network, also wrap Include：
Business bank's digital coin systems confirm that the digital cash is legal；
Business bank's digital coin systems confirm that the digital cash is equivalent with the Payment Amount；
Business bank's digital coin systems confirm the nonregistered user that the beneficiary is business bank.
6. the method for payment of digital cash according to claim 1, it is characterised in that Central Bank's digital cash system Before the step of owner's information of the digital cash is changed to beneficiary and remarks withdrawal identification code by system by paying party, also Including：
Central Bank's digital coin systems confirm that the owner of the digital cash is the paying party.
7. the method for payment of digital cash according to claim 1, it is characterised in that the digital cash and identification of withdrawing the money Code is signed using the cryptographic technique private key based on mark of the paying party, and identifies encryption using the beneficiary.
8. a kind of payment system of digital cash, it is characterised in that including：Payer terminal equipment, beneficiary terminal device, business Industry bank digital coin systems and Central Bank's digital coin systems, wherein：
The payer terminal equipment is used for：Receive Payment Amount, beneficiary mark and the identification of withdrawing the money of peripheral operation input Code；The digital cash that total amount is equal to the Payment Amount is chosen in paying party digital cash wallet；By the digital cash With withdrawal identification code the corresponding beneficiary terminal device of the beneficiary mark is sent to near-field communication modes；
The beneficiary terminal device is used for：The digital cash and withdrawal identification code are sent to commercial silver line number by network Word money-system；
Business bank's digital coin systems are used for：Digital cash and withdrawal identification code are sent to the Central Bank by network Digital coin systems；
Central Bank's digital coin systems are used for：Owner's information of the digital cash is changed to beneficiary by paying party And remarks withdrawal identification code.
9. the payment system of digital cash according to claim 8, it is characterised in that
Central Bank's digital coin systems are additionally operable to：First is sent to business bank's digital coin systems to merchandise successfully Notify；
Business bank's digital coin systems are additionally operable to：According to the described first transaction success notification, respectively to the paying party Terminal device and the beneficiary terminal device send the second transaction success notification.
10. the payment system of digital cash according to claim 8, it is characterised in that Central Bank's digital cash System is additionally operable to：Record transaction journal.
11. the payment system of digital cash according to claim 8, it is characterised in that the beneficiary terminal device is also For：
Confirm that the digital cash is legal；
Confirm that the digital cash is equivalent with the Payment Amount.
12. the payment system of digital cash according to claim 8, it is characterised in that business bank's digital cash System is additionally operable to：
Confirm that the digital cash is legal；
Confirm that the digital cash is equivalent with the Payment Amount；
Confirm the nonregistered user that the beneficiary is business bank.
13. the payment system of digital cash according to claim 8, it is characterised in that Central Bank's digital cash System is additionally operable to：
The owner for confirming the digital cash is the paying party.
14. the payment system of digital cash according to claim 8, it is characterised in that the digital cash and knowledge of withdrawing the money Other code is signed using the cryptographic technique private key based on mark of the paying party, and is added using beneficiary mark It is close.
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CN108335103A (en) * 2017-12-28 2018-07-27 中国人民银行数字货币研究所 A kind of deducting money method and system based on digital cash
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CN112352241A (en) * 2018-06-12 2021-02-09 王健 Digital currency interaction method, digital currency physical carrier, terminal device and storage medium
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CN111523869A (en) * 2020-04-09 2020-08-11 天地融科技股份有限公司 Off-line transaction method and system for digital currency
CN111523869B (en) * 2020-04-09 2024-05-24 天地融科技股份有限公司 Off-line transaction method and system for digital currency
CN112927438A (en) * 2021-03-23 2021-06-08 国网河北省电力有限公司雄安新区供电公司 Charging flow method for charging pile by plug and play
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