CN107230052A - The method and system of digital cash payment is carried out using digital cash chip card - Google Patents

The method and system of digital cash payment is carried out using digital cash chip card Download PDF

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Publication number
CN107230052A
CN107230052A CN201610178648.7A CN201610178648A CN107230052A CN 107230052 A CN107230052 A CN 107230052A CN 201610178648 A CN201610178648 A CN 201610178648A CN 107230052 A CN107230052 A CN 107230052A
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China
Prior art keywords
digital
digital cash
bank
coin systems
terminal device
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CN107230052B (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 CN201610178648.7A priority Critical patent/CN107230052B/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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention provides the method and system that a kind of use digital cash chip card carries out digital cash payment, to solve deficiency of the prior art.Other beneficial effects of the present invention can be drawn from embodiment.This method includes：Terminal device receives the Payment Amount information of peripheral operation input, and the Payment Amount information then is sent into digital cash chip card；Digital cash chip card chooses the digital cash of Payment Amount, is then forwarded to terminal device；Terminal device is received after digital cash, and the request of generation first is then forwarded to business bank's digital coin systems；Business bank's digital coin systems are after the first request is received, and the request of generation second is then forwarded to Central Bank's digital coin systems；Central Bank's digital coin systems perform the operation of preset term according to the second request and successfully indicate operation to return to business bank's digital coin systems；Business bank's digital coin systems are received after the successful instruction of operation, the successful information of feedback trading to terminal device.

Description

The method and system of digital cash payment is carried out using digital cash chip card
Technical field
The present invention relates to computer network and computer software technical field, particularly one Plant the method and system that digital cash payment is carried out using digital cash chip card.
Background technology
Digital cash is a series of currency that cash value is converted to Electronic Coding sequence numbers, coin The security of itself is protected dependent on cryptographic algorithm.In terms of cryptographic algorithm, digital cash system System security is related to symmetric cryptography, asymmetric cryptography, message digest algorithm and identity-based Cipher system, must deeply consider the overall security, close of cryptographic system in terms of system realization The code selection of algorithm, the realization of cryptographic algorithm, the designing of interaction protocol, international, domestic standard Compatibility etc., it is ensured that the transaction security of digital cash.
Popularized with the development of mobile Internet, mobile payment industry is quickly changed propulsion, is based on The business model of all kinds of technologies such as mobile Internet, NFC, HCE, Token, bio-identification is not Disconnected innovation, application scenarios, which are constantly expanded, to be enriched, and business integrative development accelerates on line, under line. While mobile payment new technology provides the user diversification convenient payment services, also lead logical The industry transition and upgrade such as letter, finance, internet develops.Mobile payment broad based growth prospect into For the extensive common recognition of full industry, mobile payment is considered as the on-line off-line important entry of connection. The transaction system of digital cash should carry out business model design by core of mobile payment.
Under mobile payment service pattern, the key storage carrier of digital cash can be by hardware SE moulds Block (security module), HCE and TEE are provided.The peace that hardware SE is provided by it Full computing environment receives the accreditation in financial transaction field, in current debt-credit note card, electronics It is used widely, with extensive user base, good disposal environment and uses in cash Custom.As mobile payment technology is continued to develop, SE component forms also there occurs many changes, New solution is constantly put into practice.
Transaction accepting terminal (POS) and the means of payment (as between card, mobile phone) On data transmission channel, a variety of transmission means are presently, there are：RF radio communications, short message, barcode scanning, Sound wave, photon, various ways and the communication that saves as between payment carrier provide convenience.
On authentication mode, can be divided into the certification based on password, the certification based on password+smart card, Certification based on biological characteristic (fingerprint, face).Wherein password, biological characteristic certification it is many Paid for far field, smart card authentication is used near field payment.
Cloud computing is the main flow direction at following background server end, and the background system of digital cash should Using the solution based on cloud.
In e-commerce initiative, because role is different, the requirement to digital cash is also different：Visitor Family requires that digital cash is easy to use, and storage is safe and with anonymity；Businessman requires digital goods Coin has confirmability, and can be exchanged into real currency；Bank then requires that digital cash can not It is illegally used and forges, therefore, digital cash D-RMB there should be following characteristics：
1. security：It can prevent any one party in commercial affairs from changing or illegally use digital cash；
2. not reproducible cost：Digital cash is used only once, and Double spending can be easy Ground, which is checked, to be come；
3. controllable anonymity：Bank and businessman, which act in collusion, can not track the use of digital cash, It is required that the buying behavior of the user of electronic cash can not be linked together by system, so that hidden number The purchasing history of word currency user, but the use of the traceable digital cash of publisher of digital cash；
4. unforgeable：User can not the pseudo- digital cash faked；
5. fairness：Payment process is fair, it is ensured that otherwise both sides merchandise successfully, otherwise it is double Side does not all lose, and prevents a certain counterparty from being sustained a loss in transaction；
6. compatibility：The distribution flow of digital cash and intermediate links are as far as possible in D-RMB systems Issued with reference to commodity money with circulating.
And for digital cash, it should can adapt in the various use fields of existing currency Scape, and can be with existing currency convertibility.
Based on the consideration for improving security, convenience etc., the present invention proposes a kind of using digital goods Coin chip card carries out the method and system of digital cash on-line payment, to make up the existing means of payment In many disadvantages, improve transaction security and convenience, realize utilize digital cash chip Block the payment to the digital cash of terminal device.
The content of the invention
In view of this, the present invention provides a kind of using digital cash chip card progress digital cash branch The method and system paid, to solve above-mentioned a variety of deficiencies of the prior art.The present invention other Purpose, effect and beneficial effect can be drawn from embodiment.
Up to above-mentioned purpose, to use digital cash there is provided one kind according to an aspect of the present invention The method that chip card carries out digital cash payment.
The method that the use digital cash chip card of the present invention carries out digital cash payment includes：
Terminal device receives the Payment Amount information of peripheral operation input, then by the Payment Amount Information, which is sent in digital cash chip card, the Payment Amount information, includes Payment Amount；
The digital cash chip card chooses the digital cash of the Payment Amount, is then forwarded to The terminal device；
The terminal device is received after the digital cash, and the request of generation first is then forwarded to business Industry bank digital coin systems, described first asks to be used for carry out owner's change to the digital cash More；
Business bank's digital coin systems are after first request is received, generation second Request is then forwarded to Central Bank's digital coin systems, and described second asks to be used for the number Word currency carries out owner's change；
Central Bank's digital coin systems perform the behaviour of preset term according to the described second request Make and operation is successfully indicated to return to business bank's digital coin systems, it is described default The behaviour that owner's change is carried out to the digital cash that the terminal device is received is included in the operation of project Make；
Business bank's digital coin systems are received after the successful instruction of the operation, and feedback is handed over Easily successfully information to the terminal device.
Alternatively, after the terminal device reception digital cash, in addition to：The end End equipment confirms the legitimacy of the digital cash chip card and the digital cash, confirms described The total value of digital cash reaches Payment Amount.
Alternatively, after business bank's digital coin systems receive first request, go back Including：Business bank's digital coin systems confirm the legitimacy of the digital cash, confirmed The total value of the digital cash is consistent with Payment Amount.
Alternatively, Central Bank's digital coin systems perform default according to the described second request Before the operation of project, in addition to：Central Bank's digital coin systems confirm the numeral The owner of currency is the digital cash chip card.
Up to above-mentioned purpose, to use digital goods there is provided another according to another aspect of the present invention The method that coin chip card carries out digital cash payment.
Another of the present invention carries out digital cash method of payment bag using digital cash chip card Include：
The terminal device of beneficiary receives the Payment Amount information of peripheral operation input, then should Payment Amount information is sent in digital cash chip card, the Payment Amount information comprising payment The amount of money；
The digital cash chip card chooses the digital cash of the Payment Amount, is then forwarded to The terminal device；
The terminal device is received after the digital cash, and the request of generation first is then forwarded to business Industry bank digital coin systems, described first asks to be used for carry out owner's change to the digital cash More；
Business bank's digital coin systems collect described after first request is received Digital cash, then generates the second request and sends to Central Bank's digital coin systems, and described the Two ask to be used for carry out owner's change to the digital cash；
Central Bank's digital coin systems perform the behaviour of preset term according to the described second request Make and operation is successfully indicated to return to business bank's digital coin systems, it is described default The behaviour that owner's change is carried out to the digital cash that the terminal device is received is included in the operation of project Make；
Business bank's digital coin systems are received after the successful instruction of the operation, and change is received The amount of money in business bank's account of money side.
Up to above-mentioned purpose, to use digital cash there is provided one kind according to another aspect of the present invention The system that chip card carries out digital cash payment.
The system that the use digital cash chip card of the present invention carries out digital cash payment includes：Eventually End equipment, digital cash chip card, business bank's digital coin systems and Central Bank's number Word money-system, wherein：
Terminal device is used for the Payment Amount information for receiving peripheral operation input, and then this is paid the bill Amount information, which is sent in digital cash chip card, the Payment Amount information, includes Payment Amount, And receive after the digital cash, the request of generation first is then forwarded to the digital goods of business bank Coin system, described first asks to be used for carry out owner's change to the digital cash；
The digital cash chip card is used for the digital cash for choosing the Payment Amount, Ran Houfa Deliver to the terminal device；
Business bank's digital coin systems are used for after first request is received, generation Second request is then forwarded to Central Bank's digital coin systems, and described second asks to be used for institute State digital cash and carry out owner's change, and receive Central Bank's digital coin systems behaviour Make after successfully indicating, the successful information of feedback trading to the terminal device；
Central Bank's digital coin systems are used to perform preset term according to the described second request Operation and will operation successfully indicate return to business bank's digital coin systems, it is described Included in the operation of preset term and owner's change is carried out to the digital cash that the terminal device is received Operation.
Alternatively, the terminal device is additionally operable to confirm the digital cash chip card and the number The legitimacy of word currency, confirms that the total value of the digital cash reaches Payment Amount.
Alternatively, business bank's digital coin systems are additionally operable to confirm the digital cash Legitimacy, the total value of the confirmation digital cash are consistent with Payment Amount.
Alternatively, Central Bank's digital coin systems are additionally operable to confirm the digital cash Owner is the digital cash chip card.
Alternatively, the terminal device of beneficiary is additionally operable to receive the Payment Amount of peripheral operation input Information, is then sent to digital cash chip card, the Payment Amount by the Payment Amount information Payment Amount is included in information, and is received after the digital cash, the request of generation first is then Send to business bank's digital coin systems, described first asks to be used to enter the digital cash Row owner changes；
The digital cash chip card is additionally operable to choose the digital cash of the Payment Amount, then Send to the terminal device；
Business bank's digital coin systems are additionally operable to after first request is received, and are received The digital cash is taken, the second request is then generated and is then forwarded to digital cash system of the Central Bank System, described second asks to be used to carry out the digital cash owner's change, and is receiving institute State after the successful instruction of Central Bank's digital coin systems operation, change the business bank of beneficiary The amount of money in account；
Central Bank's digital coin systems are additionally operable to perform default item according to the described second request Purpose operates and successfully indicates operation to return to business bank's digital coin systems, institute State to include in the operation of preset term and owner's change is carried out to the digital cash that the terminal device is received Operation more.
Technique according to the invention scheme, sets by using digital cash chip card and merchant terminal Interaction between standby and bank, digital cash chip card is utilized to terminal so as to convenient Equipment carries out the online transaction of digital cash；By carrying out multiple authentication in links, and According to the transmission of trading rules tissue association message, so as to strengthen the security of transaction；It is logical The various ways such as account in full is paid, small change is paid are crossed, so as to flexible form of payment, enhancing is handed over Easy operability；Sent to business bank, made by the digital cash for receiving terminal device Business bank is collected, so as to the digital goods for directly collecting businessman in process of exchange Coin dumps to businessman in the calculating account of business bank, the preservation beneficial to businessman to digital cash And management.
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 signal of the main flow of the work of the pre- fabrication relevant with embodiment of the present invention Figure；
Fig. 2 is showing for the flow of the user's registration D-RMB account relevant with embodiment of the present invention It is intended to；
Fig. 3 is the schematic diagram of the D-RMB process of exchange relevant with embodiment of the present invention；
Fig. 4 is to provide online service according to the D-RMB digital coin systems of embodiment of the present invention When general frame a kind of structure schematic diagram；
Fig. 5 is the calculating included according to business bank's digital coin systems of embodiment of the present invention The schematic diagram of machine system；
Fig. 6 is the business bank's digital coin systems and external system according to embodiment of the present invention A kind of schematic diagram of framework of interconnection；
Fig. 7 is according to a kind of using digital cash chip card progress numeral of embodiment of the present invention The schematic diagram of the key step for the method that currency is paid；
Fig. 8 is to enter line number according to another use digital cash chip card of embodiment of the present invention The schematic diagram of the key step for the method that word currency is paid；
Fig. 9 is that use digital cash chip card according to embodiments of the present invention carries out digital cash branch The schematic diagram of the main modular for the system paid.
Embodiment
The one exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including this hair The various details of bright embodiment should think them only exemplary to help understanding. Therefore, it will be appreciated by those of ordinary skill in the art that, the embodiments described herein can be done Go out various changes and modifications, without departing from scope and spirit of the present invention.Equally, in order to clear Chu and simplicity, eliminate the description to known function and structure in following description.
In embodiment of the present invention, digital cash of the description based on cryptarithm is (hereinafter referred to as D-RMB) design, main operation mode is that the Central Bank is classified together with each business bank Build D-RMB systems.Here the Central Bank is the issuer of currency, such as Chinese people Bank.In the following description, the Central Bank is sometimes referred to simply as " Central Bank ", similarly, business Industry bank is sometimes referred to simply as " firm ".Digital cash is separately expressed as " DCoin”。
D-RMB systems are to be based on DCoinThe fund transfer system of transaction, it is by the Central Bank and respectively Business bank combines operation together.D-RMB systems include the core for running on optional network specific digit center D on serverCoinDistribution, client's login, account management of customer, trade management, fraud detection, Core business module, the also needs such as the mobile phone including user terminal, notebook computer and kernel service The terminal client program of device interaction, meanwhile, it also includes DCoinFund transfer system operation is relied on The whole country in include internet, such a opening mode of mobile radio communication electronics lead to Communication network.Before D-RMB systems are discussed, clearly：
1. it is compatible with the circulation of existing commodity money.The distribution stream of digital cash in D-RMB systems Journey is issued with circulating with reference to commodity money as far as possible with intermediate links, digital goods in D-RMB systems Coin is deposited after three links, and one is the digital cash floatation treasury (i.e. digital cash fund) of Central Bank； Two be the inventory figures cash of the bank storehouse of business bank, i.e. business bank；Three be user terminal In client applications, i.e. stored value card.During this different link, D-RMB registration Center can complete the log-on operation of correlation.
2.D-RMB digital cash is without Proxy Signature.Anonymous protection in a limited degree in use.
3.D-RMB digital cash can rely on heterogeneous networks to circulate, may with electronic digital form Exist in the various electronic device terminals of mobile phone, IC card chip, notebook computer etc., lead herein D-RMB digital cash is deposited come example of discussing using mobile phone and IC-card as carrier, but simultaneously It is not intended that it can only be using mobile phone and IC-card as carrier.
The payment mode of 4.D-RMB system designs relies on the transfer (D of D-RMB digital cashCoin Transaction) realize.
5.D-RMB systems will obey the relevant institutions requirement of China's cash management.Specific requirement by Business department's demand is determined.
6. to avoid competing with existing book keeping operation Payment System homogeneity, D-RMB systems can be designed The quota degree that is limited is paid.
For convenience of follow-up description, to following notation convention：
Enc：Encryption, herein refers to user and is downloaded from IBC centers after private key, with the private key pair of oneself Information is sent to be signed and be encrypted with the public key of other side.
Dec：Decryption, the decryption of document received is carried out in particular to user with the private key of oneself, and with right Square cell-phone number is signed as correspondence public key (or directly public key) to the information that user sends Confirm.
DBank：Refer to the reserve account that bank opens up in Central Bank's centring system, be used as book keeping operation.
DCoin：Refer to the D-RMB digital cash that Central Bank is generated by the encryption mechanism of oneself, be a string Character, represents certain amount of money RMB.
DCoin 100：Refer to the D-RMB digital cash that Central Bank is generated by the encryption mechanism of oneself, be one String numeral, represents 100 yuans, the like, index number represents actual RMB number Volume.
BAccount：The Bank Account Number of bank of deposit where user.
H(M)：The value that Hash operation is obtained is carried out to M, M can be cell-phone number, Institution Code Or a string of characters, numerals etc..
D-RMB is as digital cash, by People's Bank of China sets up concurrently as legal tender Circulation is advanced into, is tendered guarantee by People's Bank of China as final credit side, national standard is participated in Converting, converging and consumption in framework.It is a string of codes, with " face amount " in actual circulation The same value of money meaning.D-RMB digital cash simulates distribution and management of the paper bank note in Central Bank Flow, number is disposably generated in D-RMB floatation treasurys by this digital cash circulation of Central Bank Word currency.
In D-RMB system designs, DCoinIt can be produced by least unit denomination, can also root Produce, can also be produced by commodity money denomination in circulation, specifically according to the specific Withdrawal Amount of user Which kind of it can be set by mode by systematic parameter in initial procedure.For closer to reality, subsequently with Fix exemplified by denomination to be illustrated in circulation.
D-RMB in floatation treasury simulates the face amount in circulation completely, and " printing " produces digital generation Table " one circle, Wu Yuan, pick up circle, 20 circle, 50 circle, 100 circles " etc., one encryption Text represents the D-RMB digital cash of a face amount.
Produce D-RMB by fixed face amount, such as represented by the 5th set of production D-RMB (if need to give birth to Production：DCoin 1、DCoin 5、DCoin 10、DCoin 20、DCoin 50、DCoin 100) then：
Step 1：Six are produced respectively with numeral 1,5,10,20,50 and 100 by main password Basic Crypted password.
Step 2：By hash algorithm generation system random number.Random number can be understood as serial number.
Step 3：By representing the basic Crypted password and random number encryption of different values of money, generation encryption Password.
Step 4：By Central Bank, private key pair encryption password is signed, and is represented new coin and is produced.If carry Money people, which will carry, represents 100 yuans of DCoin 100, then, can be by representing during actually withdrawing deposit 100 yuan of unique random number word and corresponding basic Crypted password encryption generation encrypted cipher text m, then by Central Bank's private key is signed to m.
In D-RMB systems, there are digital cash floatation treasury, the digital goods of business bank of Central Bank Coinage silver row storehouse and the stored value card of user terminal (such as mobile phone).The substance of digital cash transfer Including：
(1) according to digital cash total volume of issuing, the unified generation digital cash of Central Bank (produces number Word monetary fund), it is stored in Central Bank floatation treasury.
(2) according to the demand application of business bank's digital cash, digital cash is sent to accordingly The database of digital cash, i.e. digital cash are deposited from floatation treasury to bank storehouse by business bank.
As certain is according to note issuance total amount, Central Bank distribution 1,000,000,000 D-RMB, these D-RMB It is placed in after distribution in the floatation treasury of Central Bank.Later according to the application of certain bank from this 1,000,000,000 Wherein 200,000,000 are withdrawn in D-RMB, these 200,000,000 D-RMB being lifted off are stored in the bank Bank storehouse in (bank Central Bank required reserve account for reduce 200,000,000, meanwhile, The D-RMB of 2 hundred million is stored in the bank storehouse of the business bank, and its operation etc. of keeping accounts is compared with reality Thing currency is drawn), in Register, the corresponding owner of these digital cash is changed to by Central Bank Business bank, and record the information such as corresponding operating flowing water.
(3) user application extract digital cash when, digital cash from bank storehouse to intermediate links, Into in the storage medium of subscription client (such as in mobile phone), i.e., the electricity from bank storehouse to user Sub- wallet.In Register, the corresponding owner of these digital cash is changed to user by business bank, And record the information such as corresponding operating flowing water.
(4) in intermediate links, digital cash is entered between two users each stored value card Row shifts to complete to pay, and now pays and is divided into online transaction and off-line trading, specific Business Stream Journey carries out labor later.In Register, the corresponding owner of these digital cash by with Family 1 is changed to user 2, and records the information such as corresponding operating flowing water.
In numbers above currency transfer process, the Register of D-RMB systems need to verify transaction The legitimacy of digital cash, records transaction journal and corrects the new owner of correspondence digital cash, with And register other information needed (specifically being determined by business demand).
If using IC-card as carrier, also there is the work of pre- fabrication, in the work of pre- fabrication, Central Bank's digital coin systems and business bank's digital coin systems are to including storage medium (independent physical support IC-card is also referred to as " D-RMB chips to independent physical support IC-card Card ") sequence of operations is carried out, mainly have：Central Bank's digital coin systems are by predesignated Content generate D-RMB chip cards individuation data；Business bank's digital coin systems are by Shen Please the personal information of user of D-RMB chip cards write the D-RMB chip cards；Business bank Digital coin systems are with user IBC public keys to Verification System application IBC private keys, and user IBC is public Key is the mark of D-RMB chip cards or the mark of the user.The master being related in operating above Flow is wanted as shown in figure 1, Fig. 1 is the work of the pre- fabrication relevant with embodiment of the present invention The schematic diagram of main flow.
Card base is used as DCoinSafety barrier, in DCoinThe links of circulation are for ensureing DCoin's Security has certain booster action.
(1) production of D-RMB chip cards
The production of D-RMB chip cards must be by by Central Bank's certification, with production qualification Enterprise production, for its manufacturing quantity and quality by the Central Bank (or center silver Other departments that row is authorized) strict control.Enterprise qualification identifying procedure includes：Submission application, The links such as material examination ＆ verification, scale detection, scene test and appraisal, mandate qualification.
(2) personalization of D-RMB chip cards
Individuation data is generated by the Central Bank in D-RMB chip cards, and authorizes relevant departments to build Vertical individualized center, individual operation is carried out to the D-RMB chip cards of new production.
(3) distribution of D-RMB chip cards
System can support system of real name hair fastener and anonymous hair fastener.
System of real name hair fastener：D-RMB chip cards are by individual subscriber application, system of real name hair fastener, in Entreat bank authorization business bank on behalf of distribution, business bank carries out real name examination ＆ verification to user, and steps on After remembering that related data, examination ＆ verification pass through, secondary hair fastener is carried out to the D-RMB chip cards of the Central Bank, The personal information of user is write in D-RMB chip cards.
Anonymous hair fastener：User directly claims D-RMB chip cards to business bank, and business bank can Chosen whether to verify applicant's identity information according to actual conditions.
Business bank according to actual conditions select using D-RMB chip cards unique identifying number or User mobile phone number applies for private key as user's IBC public keys, and then to IBC authentication centers.
D-RMB systems are supported with computer equipment, mobile phone, POS, ATM and Web etc. Mode is as carrier, in selection line or off-line transaction, it is exemplified here it is middle will it is main using mobile phone as Illustrated exemplified by carrier.
On mobile phone terminal, the unblock such as various numerical ciphers, graphical passwords is set and startup password The safety of personal information on mobile phone can effectively be protected.It is all kinds of with the arrival in smart mobile phone epoch Finger print mobile phones based on biological characteristic have been enter into ordinary consumption group, it can for different application, Different customizing messages take different encrypting fingerprints, and the application of these new technologies can effectively ensure that mobile phone The storage safety of upper digital cash, pertinent transaction information.
To ensure transfer safety of the digital cash between mobile phone, D-RMB systems need to introduce safety and recognize Card system.Existing ca authentication center, social user's (bag are utilized between the Central Bank and financial institution Include personal and enterprise) enter using IBC (Identity-Based Cryptograph) authentication center Row authentication.
For the private key and Central Bank's public key produced in IBC, PKI, need to be stored in reliable and securely The exclusive region SE areas of safety (Secure Element) of mobile phone, SE areas can be by hardware (mobile phone Change card) or card technique HCE (Host Card Emulation) is simulated by main frame realized.If User, which takes, to be changed card to protect key, then key is downloaded in card application process is changed to mobile phone SE areas.
It in authentication system process of construction, can design, unite according to traditional PKI authentication system One sets up PKI systems, and strong digital signature is provided by CA, can also be designed by IBC, with Family cell-phone number is managed as public key, especially for the offline electronic payment of small amount, it appears that more To be convenient.Hereafter all introductions to business will be illustrated with IBC certifications.Fig. 2 is and this hair The schematic diagram of the flow of the relevant user's registration D-RMB accounts of bright embodiment, Fig. 3 be and this The schematic diagram of the relevant D-RMB process of exchanges of invention embodiment.
When carrying out user's registration, mainly there is below scheme：Central Bank's digital coin systems exist Receive after the proof of identification information that the terminal device that user uses is sent, sent out to the terminal device Send the application software suitable for the terminal device；Central Bank's digital coin systems are described to operation The terminal device of application software sends IBC public keys and IBC private keys, is then set with the terminal It is standby to carry out authentication session and session key agreement；Central Bank's digital coin systems are received The user account that the terminal device of the application software is sent is run, is then set to the terminal Preparation send user cipher.
With digital cash D from user 1 to 50 yuan of 2 on-line payment of userCoin 50Exemplified by, to illustrate It is related to D in process of exchangeCoin 50Security protocol during transfer.User 1 logs in the mobile phone A PP of oneself Application program, completes both sides' authentication with D-RMB systems, and consult in SSL modes After session key, trade agreement is performed.Exemplified by using cell-phone number as IBC public keys, in user 1 Cell-phone customer terminal：Cell-phone customer terminal chooses 50 yuan of digital cash D automaticallyCoin 50, according to transaction Regular weaves relevant information M ‖ m, wherein M can be designed as：M=transaction code ‖ cell-phone numbers 1‖DCoin 50‖ payment ‖ cell-phone numbers 2, message H (M) is obtained to message segment Hash operation, with The corresponding private key of cell-phone number 1 carries out signing to obtain m to H (M), cryptographically send M ‖ m to D-RMB systems.
D-RMB system ends：M ‖ m are obtained by agreement decrypted message, message validity are verified, i.e., It is the checking m and H (M) of cell-phone number 1 with public key, prevents message to be tampered in transmitting procedure；Test Demonstrate,prove DCoin 50It is whether legal, trading rules and relevant information are understood, corresponding operating, main bag is performed Include Register's change D after business checkingCoin 50Owner, cell-phone number is changed to by the cell-phone number 1 bound 2, and record corresponding flowing water.Send DCoin 50Merchandised successfully to mobile phone 2, and to both sides' prompting.
To further enhance anonymity, Register's ownership correspondence cell-phone number can be changed to cell-phone number Hash (uses for reference bit coin wallet address, be made up of public key Hash), is described in detail below：
Client tissue message is constant, in the cell-phone customer terminal of user 1：The automatic number for choosing 50 yuan Word currency DCoin 50, can be designed as according to trading rules tissue relevant information M ‖ m, wherein M The ‖ D of M=transaction code ‖ cell-phone numbers 1Coin 50‖ payment ‖ cell-phone numbers 2, to message segment Hash Computing obtains message H (M), and the m that signs to obtain is carried out to H (M) with the corresponding private key of cell-phone number 1, with Cipher mode sends M ‖ m to D-RMB systems.
D-RMB system ends：M ‖ m are obtained by agreement decrypted message, message validity are verified, i.e., It is the checking m and H (M) of cell-phone number 1 with public key, prevents message to be tampered in transmitting procedure；Test Demonstrate,prove DCoin 50It is whether legal, trading rules and relevant information are understood, corresponding operating, main bag is performed Include Register's change D after business checkingCoin 50Owner, is changed to by the H (cell-phone number 1) bound H (cell-phone number 2), and record corresponding flowing water.Send DCoin 50Pointed out to mobile phone 2, and to both sides Merchandise successfully.
On the design of system convenience, in embodiments of the present invention, the interface of transaction and entrance Have a variety of.During scene citing, only illustrated with an entrance, such as registered user is in business Industry bank transacting business, you can by the first direct login D-RMB systems of the adept machine of user, also can be by Business bank logs in D-RMB systems.
On account password problem, can be needed whether to need user come flexible design according to business Input account password.Small amount payment system based on D-RMB systems, it is proposed that it is contemplated that by with Whether family unrestricted choice sets password.In the explanation of embodiment of the present invention, by not staying password To describe, but in the implementation, can be according to actual conditions depending on.
On client application problem, user can download corresponding client application In oneself corresponding terminal (such terminal software is equivalent to " wallet " instrument), such as mobile phone User can download D-RMB mobile phone terminals program (alternatively referred to as mobile phone A PP).Terminal program It can design comprising following functions：One is DCoinManagement function.(1) terminal program can be automatic Count all DCoinThe amount of money；(2) amount of money number that can be inputted according to user is automatically found " wallet " Interior DCoinCombination, and the automatic selected D matched in payment processCoinIt is traded；(3) After the completion of transaction, the D of expenditure will be participated in automaticallyCoinDeleted；(4) can automatic distinctive mark Digital cash in " wallet " without Central Bank's on-line testing and registered digital cash is verified. Two be finishing service need function, such as online application for registration, extract, pay, cashing, The business functions such as offline payment request, and be automatically performed in process of exchange public key encryption, Private key signature etc. is operated.
Generally speaking, the key element of D-RMB systems is a kind of coin, two class libraries, three centers：
A kind of coin, i.e. " D-RMB ", also referred to as DCoin, refer in particular to what is signed by Central Bank for a string Represent the encrypted numeric string of the specific amount of money.
Two class libraries：It is D-RMB floatation treasury and bank storehouse respectively.Digital cash is in floatation treasury Show as the digital cash fund of Central Bank；Digital cash shows as commercial silver in bank storehouse Capable inventory figures cash.
Three centers：One be Register (including currency produce, circulate, check verification and disappear Die overall process record)；Two other is authentication center, i.e., ca authentication center (is based on PKI System, is managed concentratedly, such as CFCA to mechanism and user certificate) and IBC authentication centers, The authentication center (Identity-Based Cryptograph) that cryptographic technique i.e. based on mark is set up. Two tables can be designed in Register, one is digital cash right registration table, records digital cash Ownership, another be transaction flow water meter.
Identity- based cryptography IBC in embodiment of the present invention can be directly with user's Identity no longer relies on certificate as public key, the certification of public key, simplifies the use of key With management, there is no catalogue, easy to use, easy to maintain.
For identity, personal user can use cell-phone number, it would however also be possible to employ with mobile phone The E-mail addresses matched somebody with somebody or the character string of other process conversion, so facilitate client itself to remember, Other people are unable to find out), to reach controllable anonymous purpose.Enterprise customer can use tissue Institution Code, can also be used as the identity at IBC centers, with this using customized code It is convenient only by taking cell-phone number as an example in citing below to illustrate as public key.
D-RMB systems are a kind of systems of stagewise, i.e., be total to by the Central Bank with each business bank Build, Central Bank's digital coin systems are by the Central Bank or Central Bank's Notified body operation dimension The computer system for being used for handling the information on digital cash of shield, its major function includes negative The distribution and checking for blaming digital cash are monitored, and business bank is referred to by business bank or business bank Determine the computer system for being used for handling the information on digital cash of mechanism operation maintenance, it is held The various functions of the relevant currency of the existing bank of row, i.e. bank function, it is main to include from central silver Row is applied to after digital cash, is responsible for region be directly facing society, meets and provides digital cash circulation clothes Every demand of business.
In the basic structure according to the digital coin systems of embodiment of the present invention, digital cash System mainly includes Central Bank's digital coin systems, business bank's digital coin systems (in reality Can be multiple business bank's digital coin systems in border) and Verification System.Wherein, in Centre bank digital coin systems are used to producing and issuing digital cash, and digital cash is carried out Right registration；Business bank's digital coin systems are used to perform bank function for digital cash； Verification System is used for whole used in the user of Central Bank's digital coin systems and digital cash Interaction between end equipment provides certification, and to Central Bank's digital coin systems and commercial silver Interaction between row digital coin systems provides certification.
Fig. 4 is to provide online service according to the D-RMB digital coin systems of embodiment of the present invention When general frame a kind of structure schematic diagram.
In general frame shown in Fig. 4, the core of D-RMB digital cash operating is business bank Digital coin systems, Central Bank's D-RMB systems are connected with firm D-RMB systems, are responsible for progress Trade confirmation.Firm's D-RMB systems and Central Bank's D-RMB systems can make full use of advanced Cloud carry out scattered deployment, while firm's D-RMB systems and the interconnection of its built-in system are mutual It is logical.
As can be seen from Fig., business bank's digital coin systems are in core position and other networks Or system is connected, and can apply " cloud computing technique construction.D-RMB digital coin systems are supported The network data of various different agreements, such as：Virtual private network, special line, satellite network, Public switch telephone network (PSTN), global system for mobile communications (GSM), public land are moved Dynamic net (PLMN), variant network can be achieved directly or indirectly to be connected with central server.
Firm's digital coin systems are connected with Register of Central Bank, are likewise supplied with four basic functions Module：From motion tracking account possess how many D-RMB digital cash electronic purse function module, The supervision work(of suspicious transaction is shifted and recognized from the D-RMB digital cash between motion tracking each side Can module, e-bank's service function and manageming contacts CRM functional module.
The logic placement of server in business bank's digital coin systems uses the side of three-tier architecture Formula：That is expression layer, that is, front end applications system 200；Backend application system 202, is also named meeting Session layer, application layer, or logical transaction layer；Background data base 204 is data Layer.Its is corresponding Physical machine disposes block diagram as shown in figure 5, Fig. 5 is the commercial silver according to embodiment of the present invention The schematic diagram for the computer system that row digital coin systems are included.
Front end applications system 200 is directly mutual with money-transfer services operator for running user Dynamic application program, such as web application, what is disposed herein is Web server cluster. User and money-transfer services operator are interacted by user interface and these application programs, user Interface has personal computing devices 114 and mobile device etc..User can access electricity by this entrance Sub- wallet function, supervisory role, virtual bank's function, CRM functions.Can on Web server Using open source softwares such as apache.
Backend application system 202 be mainly used to be support front end applications system 200 data access, The background functions such as business logic processing.This regional deployment application server.D-RMB digital cash It can use with the JBOSS instruments under Red Hat open source systems come development and application program.
Background data base 204 is mainly DataBase management system, including data warehouse, Store sales transactions, customer profile and tracking and the regulation Central Bank numeral of transferring money Money-system carries out other data required for the transfer of D-RMB digital cash.D-RMB numerals Money-system can use using Oracle DBMS and be used as design of database system.
Above-mentioned firm's digital coin systems can be interconnected with external system, and a kind of optional framework is such as Shown in Fig. 6, Fig. 6 be according to business bank's digital coin systems of embodiment of the present invention with it is outer A kind of schematic diagram of framework of portion's system interconnection.
Upper figure demonstrate business bank's digital coin systems with including Central Bank's central server, other The physics and logic cloth of various external system adapters including business bank's digital coin systems Office.There are currency transaction data adapter, mobile service providers SMS gateway adapter, retail Business's system adapter, ATM data supply system adapters etc., by way of this interconnection in Central server can receive digital cash transfer request and response from every class entity.Fig. 6 fills Defend oneself good support of the clear D-RMB digital coin systems to each channel, networks of different protocol, This is also that its system has the performance of open feature.
IC-card is illustrated by for the operation flow of digital cash carrier below.
Floatation treasury is set in Central Bank's central server, business bank end sets bank storehouse.With upper phase Together, in the operation flow description of simulated scenario, business bank end is used as using " business bank " The general designation of D-RMB systems and its internal related system, Central Bank end is used as using " Central Bank " The general designation of D-RMB systems and its related system.Below by registration (applying for card drawing), extract, Four important flows such as pay, deposit and cash, using D-RMB cards as carrier, faced The transaction of face mode is illustrated.
The D-RMB cards of user apply, extract, deposit and cash be required to it is complete under presence Into, and on-line payment and offline electronic payment can be divided into payment process.User leads in a secure manner Get after D-RMB chip cards, you can deposit D into D-RMB chip cardsCoin.D-RMB cores Piece card includes integrated circuit and storage medium, and can both be made individually has normal size (example Such as the size of bank card used at present) card, can also collect in the processing procedure of integrated circuit Into into other chips or card.For example, D-RMB chip cards can be following several forms：Can Depending on Bluetooth IC form (hereinafter referred to as visual IC-card), IC-card form (referring to common IC-card), Mobile phone-eSE forms (i.e. mobile phone embeds IC-card), mobile phone-safe SE cards form are (i.e. built-in to pacify Full SE cards), mobile phone-SIM card form and mobile phone-cloud SE forms.In addition mobile phone-cloud SE Form can also as D-RMB carrier, and be not limited to chip card.With reference to concrete scene Briefly describe DCoinExtraction, consumption, the flow such as storage, and refer in corresponding scene it is applicable (" holotype state " used below refers to all D-RMB above-mentioned to D-RMB chip cards form Chip card form).
The application of D-RMB chip cards
Process description：User applies for D-RMB chip cards to business bank's cabinet face.
It is applicable D-RMB chip card forms：Holotype state
Scene explanation：Slightly.
Step explanation：
Step 1. user submits Association Identity certificate information to business bank's cabinet face, applies for D-RMB Chip card；
Step 2. business bank：Register D-RMB systems page typing applicant and card correlation letter Cease (such as name, address, e-mail address, cell-phone number, identification card number, card number), D-RMB accounts are created for the user in business bank's D-RMB systems, and are sent to center Bank's D-RMB systems (IBC authentication centers)；D-RMB chip cards can be designed as completely Anonymity, if secure anonymous then without typing applicant's identity information.Controllable anonymity is pressed herein Design, is bound card number with applicant's identity information on backstage.
Step 3. Central Bank：In IBC central authentications its uniqueness, (this sentences card number for account Citing).IBC centers：The private key of user is produced according to card number, public key is D-RMB chip cards Number, circulation is traded using public key as account；
Step 4. business bank：Operated by transaction prompt, download private key for user and Central Bank is public Key (writes card and plants key) to D-RMB chip cards protection zone, completes the initialization of card, delivers card Piece completes important documents registration work, closing the transaction to user.
Digital cash is carried out to the use D-RMB chip cards in embodiment of the present invention again below The method and system of payment is described in further detail.
Can be the terminal device for holding D-RMB chip cards to beneficiary in embodiment of the present invention (for example can be the POS of beneficiary) payment consumption, can hold chip card to online Mobile phone is paid, and supports chip card (to be paid in online payment consumption i.e. on line).These branch The process of paying can also be subdivided into account in full is paid and small change is paid etc..User holds the payment of D-RMB chip cards Transaction, can hold chip card (terminal device form is continuous in the beneficiary terminal device of networking It is abundant --- by initial conventional cipher keyboard, POS (POS, i.e. Pointofsales, Chinese meaning Think of is " point of sale ", and full name is point of sale information control system, is that one kind is furnished with bar code or OCR Code skill terminal reader, has cash or amount cashier function of bartering) machine etc., develop such as The new model terminal forms such as mPOS, intelligent point of sales terminal, personal payment terminal --- terminal is pacified Full codes and standardsization work proposes new requirement.7-9 is implemented to the present invention below in conjunction with the accompanying drawings Use D-RMB chip cards in mode carry out the side of on-line payment to the terminal device of beneficiary Method and system are introduced.
Fig. 7 is according to a kind of using the digital goods of D-RMB chip cards progress of embodiment of the present invention The schematic diagram of the key step for the method that coin is paid.
As shown in fig. 7, a kind of of embodiment of the present invention carries out numeral using D-RMB chip cards The method that currency is paid mainly comprises the following steps：
Step S71：Terminal device receives the Payment Amount information of peripheral operation input, then should Payment Amount information is sent in D-RMB chip cards, the Payment Amount information comprising payment gold Volume.
Step S72：The D-RMB chip cards choose the digital cash of the Payment Amount, so After send to the terminal device.
Step S73：The terminal device is received after the digital cash, and the request of generation first is then Send to business bank's digital coin systems, described first asks to be used to enter the digital cash Row owner changes.
Step S74：Business bank's digital coin systems receive it is described first request after, The request of generation second is then forwarded to Central Bank's digital coin systems, and described second asks to be used for Owner's change is carried out to the digital cash.
Step S75：Central Bank's digital coin systems perform default according to the described second request Simultaneously by operation, successfully instruction returns to business bank's digital coin systems for the operation of project, Included in the operation of the preset term and owner is carried out to the digital cash that the terminal device is received The operation of change.
Step S76：Business bank's digital coin systems receive the operation and successfully indicated Afterwards, the successful information of feedback trading is to the terminal device.
In the specific embodiment of the invention, the terminal device can be beneficiary POS.
In addition, methods described can also include：The terminal device is received after the digital cash, Carry out first to verify, first checking includes：First step chip card verifies the digital cash Total value whether reach Payment Amount.
Methods described can also include：Business bank's digital coin systems receive described first After request, carry out second and verify, second checking includes：Verify the conjunction of the digital cash Whether method, the total value of the checking digital cash are consistent with Payment Amount.
Methods described can also include：Central Bank's digital coin systems receive described second After request, carry out the 3rd and verify, the 3rd checking includes：Verify the category of the digital cash Whether master is the D-RMB chip cards.
D-RMB chip cards described above carry out on-line payment in the terminal device of beneficiary In method, simulation businessman receives cash process in kind completely, is deposited in the process on terminal device Put digital cash.In the specific embodiment of the invention, this process is automatic it can also be designed to businessman Digital cash is dumped into its settlement accounts in business bank.I.e. described terminal device receives number The digital cash is sent to business bank's digital coin systems, by business bank after word currency Collect；And after the digital cash owner changes, business bank's digital coin systems The amount of money in business bank's account of corresponding change beneficiary.Specific method step is as shown in Figure 8.
Fig. 8 is to carry out numeral according to another use D-RMB chip cards of embodiment of the present invention The schematic diagram of the key step for the method that currency is paid.
As shown in figure 8, another use D-RMB chip cards of embodiment of the present invention enter line number The method that word currency is paid mainly comprises the following steps：
Step S81：The terminal device of beneficiary receives the Payment Amount information of peripheral operation input, Then the Payment Amount information is sent in D-RMB chip cards, the Payment Amount information and wrapped Containing Payment Amount；
Step S82：The D-RMB chip cards choose the digital cash of the Payment Amount, so After send to the terminal device；
Step S83：The terminal device is received after the digital cash, and the request of generation first is then Send to business bank's digital coin systems, described first asks to be used to enter the digital cash Row owner changes；
Step S84：Business bank's digital coin systems receive it is described first request after, The digital cash is collected, the second request is then generated and is then forwarded to Central Bank's digital cash System, described second asks to be used for carry out owner's change to the digital cash；
Step S85：Central Bank's digital coin systems perform default according to the described second request Simultaneously by operation, successfully instruction returns to business bank's digital coin systems for the operation of project, Included in the operation of the preset term and owner is carried out to the digital cash that the terminal device is received The operation of change；
Step S86：Business bank's digital coin systems receive the operation and successfully indicated Afterwards, the amount of money in business bank's account of change beneficiary.
The D-RMB chip cards of foregoing description are entered to the method for terminal device on-line payment below Row is described in detail.Herein, the payment scene of digital cash is on-line payment, also cries online payment. It is related to account in full and small change is paid.
Assuming that：The D-RMB chip cards 1 of payment user have digital cash DCoin 100, DCoin 100', DCoin 50It is (following to use " DCoin" the specific amount of money of mark digital cash), it is represented respectively and is possessed 100 yuans two and 50 yuans one, 250 yuans altogether, now need to pay Give gathering businessman user 2 (terminal device 2 for the businessman user 2 that collects money, be herein POS2) 200 yuans, also need to pay another gathering businessman user 3 and (collect money businessman user's 3 Terminal device 3, is herein POS3) 30 yuans.Assuming that POS businessman user is industry and commerce Bank client.It is that account in full is paid that D-RMB chip cards 1, which pay POS 2, D-RMB cores It is that small change is paid that piece card 1, which pays POS 3,.Can be as commodity money, POS 3 If any DCoin 20, 50 yuan first can be paid the bill to businessman's POS 3 by user D-RMB chip cards 1, 20 yuan are paid the bill to D-RMB chip cards 1 by businessman's POS 3 again, that is, pass through account in full branch twice Pay and realize that (small change, which is paid, to be present in situation of the digital cash by the face amount generation in circulation, such as Fruit digital cash is issued according to least unit, then in the absence of small change problem).
It is applicable D-RMB chip card forms：Holotype state, including mobile phone.
Account in full payment flow explanation：
A.POS machines 2：200 yuan of spending amount, i.e. POS 2 is inputted in POS 2 to connect Bank settlement amount information；
B.D-RMB chip cards 1：Communicated with POS 2, for example, can be by near field The wave points such as communication NFC (Near Field Communication) communicate with POS 2, It is automatic to choose the digital cash D that the amount of money is 200 yuanCoin 100'、DCoin 100, it is sent to POS 2；
C.POS machines 2：Receive DCoin 100'、DCoin 100, carry out first and verify, including related legitimate Check, step chip card tests digital cash and judges whether the amount of money is enough etc. as before, according to transaction The request of regular weaves first is sent to business bank's digital coin systems, herein the first request basis The security protocol that POS 2 is communicated with business bank digital coin systems is produced, and it is used for To DCoin 100'、DCoin 100Carry out owner's change；
D. business bank (using " business bank " as business bank's end D-RMB systems and its The general designation of internal related system)：Trading rules and relevant information are understood, second is carried out and verifies, Including checking legitimacy (such as DCoin 100'、DCoin 100Legitimacy, dealing money whether with digital cash Value of money is consistent), corresponding operating is performed, and message is reorganized to center according to trading rules Bank's digital coin systems send second and asked, wherein, the second request is according to business bank's numeral The security protocol that money-system is communicated with Central Bank digital coin systems is produced, and it is used for To DCoin 100'、DCoin 100Carry out owner's change；
E. the Central Bank (is used as Central Bank's end D-RMB systems and its correlation using " Central Bank " The general designation of system)：Trading rules and relevant information are understood, the 3rd is carried out and verifies, including checking Legitimacy (such as DCoin 100, DCoin 100' whether owner be D-RMB chip cards 1 etc.), perform phase Close operation.In the Register of Central Bank's digital coin systems：Change DCoin 100, DCoin 100' Owner, the corresponding businessman of POS 2 is changed to by the wallet address of D-RMB chip cards 1 of binding Code；Record phase transaction journal；
F. business bank's digital coin systems：Send DCoin 100'、DCoin 100To POS 2, hair Deliver easily successful prompt message.
G.POS machines 2：Strip is beaten, transaction is completed.
Above step a-g simulates businessman and receives cash process in kind completely, in the process POS D is deposited on machine 2Coin.This process is automatic by D it can also be designed to businessmanCoinDump to settlement accounts. It is specific as follows：
A'.POS machines 2：200 yuan of spending amount is inputted in POS 2；
B'.D-RMB chip cards 1：Communicated with POS 2, it is such as wireless by NFC Interface communicates with POS 2, automatic to choose the digital cash D that the amount of money is 200 yuanCoin 100'、DCoin 100, it is sent to POS 2；
C'.POS machines 2：The first checking, including related legitimate inspection are carried out, as before step core Piece card tests digital cash and judges that whether the amount of money is enough etc., asks according to trading rules tissue first Business bank's digital coin systems are sent to, first ask to be used for the digital goods herein Coin carries out owner's change；
D'. business bank (using " business bank " as business bank's end D-RMB systems and its The general designation of internal related system)：Trading rules and relevant information are understood, second is carried out and verifies, Including checking legitimacy (such as DCoin 100'、DCoin 100Legitimacy, dealing money whether with digital cash Value is consistent), corresponding operating is performed, D is received in bank storehouseCoin 100'、DCoin 100, and advised according to transaction Then reorganize message and send the second request to Central Bank's digital coin systems, second ask herein The peace that rooting is communicated according to business bank's digital coin systems with Central Bank digital coin systems Full agreement is produced, for carrying out owner's change to the digital cash；
E'. the Central Bank (is used as Central Bank's end D-RMB systems and its correlation using " Central Bank " The general designation of system)：Trading rules and relevant information are understood, the 3rd is carried out and verifies, including checking Legitimacy (such as DCoin 100, DCoin 100' whether owner be D-RMB chip cards 1 etc.), perform phase Close operation.Register：Change DCoin 100, DCoin 100' owner, by the D-RMB chips of binding Block 1 wallet address and be changed to the corresponding business bank's code of Merchant ID；Record serial number of mutually merchandising；
F'. business bank's digital coin systems：By the amount of money in businessman (i.e. beneficiary) user account 200 yuan of increase, and feedback-related information；
G'.POS machines 2：Strip is beaten, transaction is completed.
Use D-RMB chip cards according to embodiments of the present invention carry out the side of digital cash payment Method can be seen that by using between D-RMB chip cards and merchant terminal equipment and bank Interaction, so as to the convenient online transaction that digital cash is carried out using D-RMB chip cards； By carrying out multiple authentication in links, and according to the hair of trading rules tissue association message Send, so as to strengthen the security of transaction；Paid by account in full, small change pay etc. a variety of sides Formula, so as to flexible form of payment, strengthens the operability of transaction；By by terminal device The digital cash of reception is sent to business bank, is collected business bank, so as to The digital cash for directly collecting businessman in process of exchange dumps to calculating of the businessman in business bank In account, preservation and management beneficial to businessman to digital cash.
Fig. 9 is that use D-RMB chip cards according to embodiments of the present invention carry out digital cash payment System main modular schematic diagram.
As shown in figure 9, the use D-RMB chip cards of the embodiment of the present invention carry out digital cash branch The system 90 paid includes terminal device 901, D-RMB chip cards 902, the digital goods of business bank Coin system 903 and Central Bank's digital coin systems 904, wherein：
Terminal device 901 is used for the Payment Amount information for receiving peripheral operation input, then should Payment Amount information is sent in D-RMB chip cards, the Payment Amount information comprising payment gold Volume, and receive after the digital cash, the request of generation first is then forwarded to commercial silver line number Word money-system, described first asks to be used for carry out owner's change to the digital cash；It is described D-RMB chip cards 902 are used for the digital cash for choosing the Payment Amount, are then forwarded to institute State terminal device 901；Business bank's digital coin systems 903 are used to receive described the After one request, the request of generation second is then forwarded to Central Bank's digital coin systems, and described the Two ask to be used to carry out the digital cash owner's change, and are receiving the Central Bank After digital coin systems operation is successfully indicated, the successful information of feedback trading to the terminal is set Standby 901；Central Bank's digital coin systems 904 are used to be performed in advance according to the described second request If the operation of project simultaneously successfully indicates operation to return to business bank's digital coin systems 903, the digital cash received to the terminal device 901 is included in the operation of the preset term Carry out the operation of owner's change.
In the specific embodiment of the invention, the terminal device 901 can be beneficiary POS.
The terminal device 901 can be also used for after the digital cash is received, and carry out first Checking, first checking includes：First step chip card verifies that the total value of the digital cash is It is no to reach Payment Amount.
Business bank's digital coin systems 903 can be also used for receiving after first request, Carry out second to verify, second checking includes：Verify the legitimacy of the digital cash, test Whether the total value for demonstrate,proving the digital cash is consistent with Payment Amount.
Central Bank's digital coin systems 904 can be also used for receiving second request Afterwards, carry out the 3rd to verify, the 3rd checking includes：Verifying the owner of the digital cash is No is the D-RMB chip cards 902.
The system 90 is additionally operable to：
The terminal device 901 of beneficiary is additionally operable to receive the Payment Amount information of peripheral operation input, Then the Payment Amount information is sent to D-RMB chip cards 902, the Payment Amount information In include Payment Amount, and receive after the digital cash, the request of generation first and then send To business bank's digital coin systems 903, described first asks to be used for carry out the digital cash Owner changes；
The D-RMB chip cards 902 are additionally operable to choose the digital cash of the Payment Amount, so After send to the terminal device 901；
Business bank's digital coin systems 903 are additionally operable to after first request is received, The digital cash is collected, the second request is then generated and is then forwarded to Central Bank's digital cash System 904, described second asks to be used for carry out owner's change to the digital cash, and is connecing Central Bank's digital coin systems 904 are received to operate after successfully instruction, change beneficiary The amount of money in business bank's account；
Central Bank's digital coin systems 904 are additionally operable to be performed in advance according to the described second request If the operation of project simultaneously successfully indicates operation to return to business bank's digital coin systems 903, the digital cash received to the terminal device 901 is included in the operation of the preset term Carry out the operation of owner's change.
D-RMB chip cards are added as repeat business detection during digital cash carrier again below With explanation.In embodiments of the present invention, i.e., in the case of online transaction, D-RMB systems pass through DCoinCarry out anti-repeat business with the binding mode of user's card number 11.There is Register in D-RMB systems One right registration table, record sheet pattern can be designed such as table 3：
Table 1：
Digital cash name Owner Remarks
Pbc100adfkl09987766670 ICC00000001 DCoin 100
…… …… ……
Pbc50cadfkl09987766670 ICC00000002 DCoin 50
User D-RMB chip cards 1 (D-RMB chip cards unique identifying number ICC00000001) To user D-RMB chip cards 2 (D-RMB chip cards unique identifying number ICC00000002) Pay DCoin 100During, D-RMB systems Register right registration table：Change DCoin 100It is right Owner is answered, cell-phone number ICC00000001 corresponding wallet addresses in owner's field Central Plains are changed to The corresponding wallet addresses of cell-phone number ICC00000002, if user D-RMB chip cards 1 are still wanted to Use DCoin 100Paid to other user D-RMB chip cards, now its owner has not been user D-RMB chip cards 1, it is impossible to complete to pay, 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, it is several at present The repetition that all electronic cash systems are carried out, which is paid, checks it is all delayed, that is, repeats to pay Inspection is carried out all after the completion of payment process.
While the transaction that can be set is for personal user as small amount payment (being less than 1000 yuan) One acceptable scope, and using mechanism of calling to account afterwards, record of bad behavior is levied typing Letter system is to discipline as a warning.
From the above, it can be seen that according to the present invention embodiment, by using Interacting between D-RMB chip cards and merchant terminal equipment and bank, so as to convenient The online transaction of digital cash is carried out using D-RMB chip cards；It is many by being carried out in links Secondary checking, and according to the transmission of trading rules tissue association message, so as to strengthen transaction Security；Paid by account in full, small change pay etc. various ways, so as to flexibly payment Form, strengthens the operability of transaction；By the digital cash for receiving terminal device send to Business bank, is collected business bank, so as to direct by businessman in process of exchange The digital cash collected dumps to businessman in the calculating account of business bank, beneficial to businessman's logarithm The preservation and management of word currency.
For from convenience, terminals scheme (hereinafter referred to as " mobile phone side is used as using mobile phone Case ") provide more implementations and use means, system deployment facility, user's operation Convenience is good, be more easy to promote.
Consider from security, using mobile phone as D-RMB carriers, HCE and TEE side can be used Case, so as to there is provided bigger memory space, not exclusively rely on hardware vendor, is promoted more convenient.
With market other replace bank note money-system compared with, D-RMB tentatively have convenience it is good, Safe the features such as, convenience is showed in the following areas：
In issuing way, D-RMB is the digitlization of currency in itself, independent of any bank's account Family and single network；
On storage mode, D-RMB storage medium can be mobile phone or card, magnetic The electronic equipments such as disk, computer, have provided the user multiple choices.Especially using mobile phone as load The D-RMB of body can make full use of the keyboard of mobile phone, display, positioning, storage, calculating, logical The functions such as letter, can also secondary development, significantly expansion payment scene and convenience；
In the means of payment, it can both provide and pay transaction face to face similar to bank note, class can be also provided It is similar to the network remote payment transaction of electronic fare payment system, you can support is online, can also support to take off Machine is merchandised, and mode is convenient, flexible；
In transactions velocity, payment speed improves a lot than the online means of payment of swiping the card.Very Suitable for small amount rapid payment；
In use habit, both compatible original means of payment of swiping the card, can also be provided face-to-face Digital cash pay, while may also provide electronization transaction record, be easy to financing count, The acceptable degree of user is high.
Security is showed in the following areas：
Compared with other digital coin systems, D-RMB digital cash be by cash value conversion and A series of Electronic Coding sequence numbers come, complete to pay by the transfer of these ciphering sequence numbers Transaction.The security of coin in itself is protected by cryptographic algorithm, can effective guarantee monetary information machine Close property and integrality, it is safe；
The security of D-RMB digital cash carriers is in mobile terminal using chip technology, on backstage High in the clouds utilizes trusted technology, realizes end-by-end security；
On the one hand the security of D-RMB digital cash transaction systems depends on traditional e-payment System security technology, while backstage utilizes powerful D-RMB cloud computing systems, is further ensured Transaction security；
In terms of privacy of user protection, by way of " foreground voluntarily, backstage real name ", both Privacy of user is ensure that, the risk of illegal transaction has been evaded again.
Above-mentioned embodiment, does not constitute limiting the scope of the invention.This area Technical staff is it is to be understood that depending on design requirement and other factors, can occur various Modification, combination, sub-portfolio and the replacement of various kinds.It is any within the spirit and principles in the present invention Modifications, equivalent substitutions and improvements made etc., should be included within the scope of the present invention.

Claims (10)

1. a kind of method that use digital cash chip card carries out digital cash payment, its feature exists In, including：
Terminal device receives the Payment Amount information of peripheral operation input, then by the Payment Amount Information, which is sent in digital cash chip card, the Payment Amount information, includes Payment Amount；
The digital cash chip card chooses the digital cash of the Payment Amount, is then forwarded to The terminal device；
The terminal device is received after the digital cash, and the request of generation first is then forwarded to business Industry bank digital coin systems, described first asks to be used for carry out owner's change to the digital cash More；
Business bank's digital coin systems are after first request is received, generation second Request is then forwarded to Central Bank's digital coin systems, and described second asks to be used for the number Word currency carries out owner's change；
Central Bank's digital coin systems perform the behaviour of preset term according to the described second request Make and operation is successfully indicated to return to business bank's digital coin systems, it is described default The behaviour that owner's change is carried out to the digital cash that the terminal device is received is included in the operation of project Make；
Business bank's digital coin systems are received after the successful instruction of the operation, and feedback is handed over Easily successfully information to the terminal device.
2. according to the method described in claim 1, it is characterised in that the terminal device is received After the digital cash, in addition to：The terminal device confirm the digital cash chip card and The legitimacy of the digital cash, confirms that the total value of the digital cash reaches Payment Amount.
3. according to the method described in claim 1, it is characterised in that
Business bank's digital coin systems are received after first request, in addition to：Institute Business bank's digital coin systems are stated to confirm the legitimacy of the digital cash, confirm the digital goods The total value of coin is consistent with Payment Amount.
4. according to the method described in claim 1, it is characterised in that Central Bank's numeral Money-system is performed according to the described second request before the operation of preset term, in addition to：It is described Central Bank's digital coin systems confirm that the owner of the digital cash is the digital cash chip Card.
5. one kind carries out digital cash method of payment using digital cash chip card, it is characterised in that Including：
The terminal device of beneficiary receives the Payment Amount information of peripheral operation input, then should Payment Amount information is sent in digital cash chip card, the Payment Amount information comprising payment The amount of money；
The digital cash chip card chooses the digital cash of the Payment Amount, is then forwarded to The terminal device；
The terminal device is received after the digital cash, and the request of generation first is then forwarded to business Industry bank digital coin systems, described first asks to be used for carry out owner's change to the digital cash More；
Business bank's digital coin systems collect described after first request is received Digital cash, then generates the second request and sends to Central Bank's digital coin systems, and described the Two ask to be used for carry out owner's change to the digital cash；
Central Bank's digital coin systems perform the behaviour of preset term according to the described second request Make and operation is successfully indicated to return to business bank's digital coin systems, it is described default The behaviour that owner's change is carried out to the digital cash that the terminal device is received is included in the operation of project Make；
Business bank's digital coin systems are received after the successful instruction of the operation, and change is received The amount of money in business bank's account of money side.
6. a kind of system that use digital cash chip card carries out digital cash payment, its feature exists In, including terminal device, digital cash chip card, business bank's digital coin systems and Central Bank's digital coin systems, wherein：
The terminal device is used for the Payment Amount information for receiving peripheral operation input, then should Payment Amount information is sent in digital cash chip card, the Payment Amount information comprising payment The amount of money, and receive after the digital cash, the request of generation first is then forwarded to business bank Digital coin systems, described first asks to be used for carry out owner's change to the digital cash；
The digital cash chip card is used for the digital cash for choosing the Payment Amount, Ran Houfa Deliver to the terminal device；
Business bank's digital coin systems are used for after first request is received, generation Second request is then forwarded to Central Bank's digital coin systems, and described second asks to be used for institute State digital cash and carry out owner's change, and receive Central Bank's digital coin systems behaviour Make after successfully indicating, the successful information of feedback trading to the terminal device；
Central Bank's digital coin systems are used to perform preset term according to the described second request Operation and will operation successfully indicate return to business bank's digital coin systems, it is described Included in the operation of preset term and owner's change is carried out to the digital cash that the terminal device is received Operation.
7. system according to claim 6, it is characterised in that
The terminal device is additionally operable to confirm the digital cash chip card and the digital cash Legitimacy, confirms that the total value of the digital cash reaches Payment Amount.
8. system according to claim 6, it is characterised in that
Business bank's digital coin systems be additionally operable to confirm the legitimacy of the digital cash, Confirm that the total value of the digital cash is consistent with Payment Amount.
9. system according to claim 6, it is characterised in that
Central Bank's digital coin systems are additionally operable to confirm that the owner of the digital cash is institute State digital cash chip card.
10. the system according to any one of claim 6 to 9, it is characterised in that
The terminal device of beneficiary is additionally operable to receive the Payment Amount information of peripheral operation input, so The Payment Amount information is sent in digital cash chip card, the Payment Amount information afterwards and wrapped Containing Payment Amount, and receive after the digital cash, the request of generation first is then forwarded to business Industry bank digital coin systems, described first asks to be used for carry out owner's change to the digital cash More；
The digital cash chip card is additionally operable to choose the digital cash of the Payment Amount, then Send to the terminal device；
Business bank's digital coin systems are additionally operable to after first request is received, and are received The digital cash is taken, the second request is then generated and is then forwarded to digital cash system of the Central Bank System, described second asks to be used to carry out the digital cash owner's change, and is receiving institute State after the successful instruction of Central Bank's digital coin systems operation, change the business bank of beneficiary The amount of money in account；
Central Bank's digital coin systems are additionally operable to perform default item according to the described second request Purpose operates and successfully indicates operation to return to business bank's digital coin systems, institute State to include in the operation of preset term and owner's change is carried out to the digital cash that the terminal device is received Operation more.
CN201610178648.7A 2016-03-25 2016-03-25 Method and system for paying digital currency using digital currency chip card Active CN107230052B (en)

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