CN107230067A - Exchange and method of payment and digital coin systems based on digital cash chip card - Google Patents
Exchange and method of payment and digital coin systems based on digital cash chip card Download PDFInfo
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- CN107230067A CN107230067A CN201610178934.3A CN201610178934A CN107230067A CN 107230067 A CN107230067 A CN 107230067A CN 201610178934 A CN201610178934 A CN 201610178934A CN 107230067 A CN107230067 A CN 107230067A
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- 238000012011 method of payment Methods 0.000 title claims abstract description 11
- 230000008859 change Effects 0.000 claims abstract description 157
- 238000000034 method Methods 0.000 claims abstract description 50
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 claims description 7
- 229910052709 silver Inorganic materials 0.000 claims description 7
- 239000004332 silver Substances 0.000 claims description 7
- 230000002093 peripheral effect Effects 0.000 claims description 6
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 2
- 229910052737 gold Inorganic materials 0.000 claims description 2
- 239000010931 gold Substances 0.000 claims description 2
- 230000009286 beneficial effect Effects 0.000 abstract description 2
- 230000007812 deficiency Effects 0.000 abstract description 2
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- 230000006870 function Effects 0.000 description 18
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- 230000008569 process Effects 0.000 description 16
- 238000013461 design Methods 0.000 description 12
- 238000004519 manufacturing process Methods 0.000 description 11
- 238000012546 transfer Methods 0.000 description 11
- 238000003860 storage Methods 0.000 description 10
- 238000009826 distribution Methods 0.000 description 9
- 238000005516 engineering process Methods 0.000 description 8
- XLYOFNOQVPJJNP-UHFFFAOYSA-N water Substances O XLYOFNOQVPJJNP-UHFFFAOYSA-N 0.000 description 8
- 238000007726 management method Methods 0.000 description 7
- 238000012360 testing method Methods 0.000 description 7
- 238000012795 verification Methods 0.000 description 7
- 230000006399 behavior Effects 0.000 description 6
- 230000005540 biological transmission Effects 0.000 description 6
- 230000007246 mechanism Effects 0.000 description 6
- 238000004891 communication Methods 0.000 description 4
- 238000012790 confirmation Methods 0.000 description 4
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- 238000001514 detection method Methods 0.000 description 3
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- 230000009471 action Effects 0.000 description 1
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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
- G06Q20/30—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
-
- 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
- G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
-
- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention proposes a kind of exchange and method of payment and digital coin systems based on digital cash chip card, to solve deficiency of the prior art.Other objects of the present invention, effect and beneficial effect can be drawn from embodiment.The exchanging method includes：Terminal device receives change redemption request；Terminal device chooses digital cash to be exchanged according to change redemption request from digital cash chip card, and the request of generation first is then forwarded to business bank's digital coin systems；Business bank's digital coin systems extract change digital cash after the first request is received according to the first request, 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；Change digital cash after business bank's digital coin systems change owner is sent to terminal device, is write by terminal device in digital cash chip card.
Description
Technical field
The present invention relates to computer network and computer software technical field, particularly one
Plant the exchange based on digital cash chip card and method of payment and digital coin systems.
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
Module (security module), HCE and TEE are provided.What hardware SE was provided by it
Secured computing environment receives the accreditation in financial transaction field, in current debt-credit note card, electricity
It is used widely, with extensive user base, good disposal environment and makes in sub- cash
With custom.As mobile payment technology is continued to develop, SE component forms also there occurs many changes,
New solution is constantly put into practice.
Transaction accepting terminal (POS) and the means of payment (as between card, mobile phone)
On data transmission channel, a variety of transmission means are presently, there are：RF radio communications, short message, barcode scanning,
Sound wave, photon, various ways and the communication that saves as between payment carrier provide convenience.
On authentication mode, can be divided into the certification based on password, the certification based on password+smart card,
Certification based on biological characteristic (fingerprint, face).Wherein password, biological characteristic certification it is many
Paid for far field, smart card authentication is used near field payment.
Cloud computing is the main flow direction at following background server end, and the background system of digital cash should
Using the solution based on cloud.
In e-commerce initiative, because role is different, the requirement to digital cash is also different：Visitor
Family requires that digital cash is easy to use, and storage is safe and with anonymity；Businessman requires digital goods
Coin has confirmability, and can be exchanged into real currency；Bank then requires that digital cash can not
It is illegally used and forges, therefore, digital cash D-RMB there should be following characteristics：
1. security：It can prevent any one party in commercial affairs from changing or illegally use digital cash；
2. not reproducible cost：Digital cash is used only once, and Double spending can be easy
Ground, which is checked, to be come；
3. controllable anonymity：Bank and businessman, which act in collusion, can not track the use of digital cash,
It is required that the buying behavior of the user of electronic cash can not be linked together by system, so that hidden number
The purchasing history of word currency user, but the use of the traceable digital cash of publisher of digital cash；
4. unforgeable：User can not the pseudo- digital cash faked；
5. fairness：Payment process is fair, it is ensured that otherwise both sides merchandise successfully, otherwise it is double
Side does not all lose, and prevents a certain counterparty from being sustained a loss in transaction；
6. compatibility：The distribution flow of digital cash to the greatest extent may be used with intermediate links in D-RMB systems
It can be issued with reference to commodity money with circulating.
And for digital cash, it should can adapt in the various use fields of existing currency
Scape, and can be with existing currency convertibility.
Can be with for the value of money of pressing close to digital cash in the reality of cash circulation in practice, concrete operations
Denomination is fixed in circulation to be configured, for example can by the 5th set of RMB face amount production figures currency,
It is respectively 1 yuan, 5 yuan, 10 yuan, 20 yuan, 50 yuan, 100 yuan etc. of number then to need production face amount
Word currency.In this way, in payment process, it is understood that there may be single transaction needs the Payment Amount paid
The problem of being not always consistent with fixed face amount.
For above mentioned problem, it is a kind of method solved the problems, such as that small change, which is paid,.In addition, originally
Invention proposes another solution, that is, pays in link and carry out change exchange to digital cash.
Using the change currency obtained by exchange, flexible combination can be carried out according to the demand of payment and carry out numeral
The payment of currency.
The content of the invention
In view of this, the present invention proposes a kind of exchange and payer based on digital cash chip card
Method and digital coin systems, to solve above-mentioned deficiency of the prior art.The present invention other
Purpose, effect and beneficial effect can be drawn from embodiment.
Up to above-mentioned purpose, to be based on digital cash there is provided one kind according to an aspect of the present invention
The exchanging method of chip card.
A kind of exchanging method based on digital cash chip card of the present invention includes：
Terminal device receives change redemption request, and the change redemption request includes：Number to be exchanged
Word currency, exchange gained face amount；
The terminal device is chosen from digital cash chip card according to the change redemption request and treated
Digital cash is exchanged, the request of generation first is then forwarded to business bank's digital coin systems, institute
Stating the first request is used to from business bank extract change digital cash；
Business bank's digital coin systems are after first request is received, according to described
Change digital cash is extracted in first request, and the request of generation second is then forwarded to Central Bank's numeral
Money-system, described second asks to be used for the digital cash to be exchanged and the change 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
Comprising the change digital cash to be exchanged and the change digital cash in the operation of project
Owner；
Business bank's digital coin systems owner is changed after change digital cash send to
The terminal device, is write in the digital cash chip card by the terminal device.
Alternatively, the terminal device is beneficiary POS.
Alternatively, after business bank's digital coin systems receive first request, go back
Including：The legitimacy of business bank's digital coin systems confirmation digital cash to be exchanged,
Confirm that the redemption amount in the first redemption information is consistent with the value of money of digital cash to be exchanged.
Alternatively, after Central Bank's digital coin systems receive second request, go back
Including：Central Bank's digital coin systems confirm the digital cash to be exchanged and described zero
The owner of money digital cash is legal.
Up to above-mentioned purpose, to be based on digital cash there is provided one kind according to another aspect of the present invention
The method of payment of chip card.
A kind of method of payment based on digital cash chip card of the present invention includes：
Terminal device receives change redemption request, and the change redemption request includes：Number to be exchanged
Word currency, exchange gained face amount；
The terminal device is chosen from digital cash chip card according to the change redemption request and treated
Digital cash is exchanged, the request of generation first is then forwarded to business bank's digital coin systems, institute
Stating the first request is used to from business bank extract change digital cash；
Business bank's digital coin systems are after first request is received, according to described
Change digital cash is extracted in first request, and the request of generation second is then forwarded to Central Bank's numeral
Money-system, described second asks to be used for the digital cash to be exchanged and the change 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
Comprising the change digital cash to be exchanged and the change digital cash in the operation of project
Owner；
Business bank's digital coin systems owner is changed after change digital cash send to
The terminal device, is write in the digital cash chip card by the terminal device；
The terminal device receives the Payment Amount information of peripheral operation input, and then this is paid the bill
Amount information is sent in the 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 the 3rd is then forwarded to business
Industry bank digital coin systems, the described 3rd asks to be used for carry out owner's change to the digital cash
More；
Business bank's digital coin systems are after the 3rd request is received, generation the 4th
Request is then forwarded to Central Bank's digital coin systems, and the described 4th 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 4th 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.
For up to above-mentioned purpose, there is provided a kind of digital coin systems according to another aspect of the present invention.
A kind of digital coin systems of the present invention include：Terminal device, digital cash chip card,
Business bank's digital coin systems, Central Bank's digital coin systems, wherein：
The terminal device is used to receive change redemption request, and the change redemption request includes：
Digital cash to be exchanged, gained face amount is exchanged, and according to the change redemption request from numeral
Digital cash to be exchanged is chosen in currency chip card, the request of generation first is then forwarded to commercial silver
Row digital coin systems, described first asks to be used to from business bank extract change digital cash,
And the change digital cash hair in business bank's digital coin systems after owner is changed
Deliver to after the terminal device, the change digital cash after owner is changed writes the digital goods
In coin chip card；
Business bank's digital coin systems are used for after first request is received, according to
Change digital cash is extracted in first request, and the request of generation second is then forwarded to the Central Bank
Digital coin systems, described second asks to be used for the digital cash to be exchanged and described zero
Money digital cash carries out owner's change, and after the successful instruction of operation is received, by owner
Change digital cash after change is sent 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
The change digital cash to be exchanged and the digital goods of the change are included in the operation of preset term
The owner of coin.
Alternatively, the terminal device is beneficiary POS.
Alternatively, business bank's digital coin systems are additionally operable to wait to exchange numeral described in confirmation
The legitimacy of currency, the redemption amount and digital cash to be exchanged confirmed in the first redemption information
Value of money is consistent.
Alternatively, Central Bank's digital coin systems are additionally operable to wait to exchange numeral described in confirmation
The owner of currency and the change digital cash is legal.
Alternatively, the terminal device is additionally operable to receive the Payment Amount information of peripheral operation input,
Then the Payment Amount information is sent to the digital cash chip card, the Payment Amount letter
Payment Amount is included in breath, and after the digital cash is received, the request of generation the 3rd is then
Send to business bank's digital coin systems, the described 3rd 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 the 3rd request is received, raw
Central Bank's digital coin systems are then forwarded into the 4th request, and the described 4th asks to be used for pair
The digital cash carries out owner's change, and after the successful instruction of the operation is received, instead
The successful information of transaction is presented to the terminal device；
Central Bank's digital coin systems are additionally operable to perform default item according to the described 4th 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, the change of digital cash is carried out by using terminal device
Exchange, payment is traded so as to flexible；It is multiple by being carried out in links
Checking, and according to the transmission of trading rules tissue association message, so as to strengthen transaction
Security；By carrying out change exchange, so as to be traded using exchanging obtained change
Pay, embodied with the operation for lifting digital cash user, flexible carry out on-line payment.
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 the flow of the user's registration D-RMB account relevant with embodiment of the present invention
Schematic diagram；
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 clothes according to the D-RMB digital coin systems of embodiment of the present invention
A kind of schematic diagram of structure of general frame during business；
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 a kind of exchanging method based on D-RMB chip cards according to embodiments of the present invention
Key step schematic diagram；
Fig. 8 is a kind of method of payment based on D-RMB chip cards of embodiment of the present invention
The schematic diagram of key step；
Fig. 9 is a kind of signal of the main modular of digital coin systems of embodiment of the present invention
Figure.
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 of digital cash in D-RMB systems
Flow is issued with circulating with reference to commodity money as far as possible with intermediate links, numeral in D-RMB systems
Currency is deposited after three links, and one is digital cash floatation treasury (the i.e. digital cash base of Central Bank
Gold)；Two be the inventory figures cash of the bank storehouse of business bank, i.e. business bank；Three be to use
In the client applications at family end, i.e. stored value card.During this different link, D-RMB
Register can complete correlation log-on operation.
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, mechanism generation
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 numeral
Represent " one circle, Wu Yuan, pick up circle, 20 circle, 50 circle, 100 circles " etc., one add
Ciphertext originally 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 crown word number
Code.
Step 3：By representing the basic Crypted password and random number encryption of different values of money, generation adds
Password.
Step 4：By Central Bank, private key pair encryption password is signed, and is represented new coin and is produced.If
Withdrawer, which will carry, represents 100 yuans of DCoin 100, then, can be by generation during actually withdrawing deposit
The unique random number word of 100 yuan of table and corresponding basic Crypted password encryption generation encrypted cipher text m,
By Central Bank, private key is signed to m again.
In D-RMB systems, there are digital cash floatation treasury, the numeral of business bank of Central Bank
Currency bank storehouse and the stored value card of user terminal (such as mobile phone).It is substantially interior that digital cash is shifted
Appearance includes：
(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, business bank to business bank
It can be 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 deposit reliable and securely
In the exclusive region SE areas of the safety of mobile phone (Secure Element), SE areas can be by hardware (hand
Machine changes card) or card technique HCE (Host Card Emulation) is simulated by main frame realized.Such as
Fruit user, which takes, to be changed card to protect key, then key is downloaded in card application process is changed to mobile phone SE
Area.
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
In show as the digital cash fund of Central Bank；Digital cash shows as business in bank storehouse
The inventory figures cash of bank.
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 clothes according to the D-RMB digital coin systems of embodiment of the present invention
A kind of schematic diagram of structure of general frame during business.
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 affairs
Switched telephone (PSTN), global system for mobile communications (GSM), public land movement altogether
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, application to business bank's cabinet face
D-RMB chip cards；
Step 2. business bank：Register D-RMB systems page typing applicant and card is related
Information (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.
Below again to the exchange and payment based on D-RMB chip cards in embodiment of the present invention
Method and digital coin systems are described in further detail.
As it was previously stated, in digital coin systems design, digital cash can be by least unit face
Volume is produced, and can also be produced according to the specific Withdrawal Amount of user, also can be by goods in kind in circulation
Coin denomination is produced, and can specifically be set by which kind of mode by systematic parameter in initial procedure.For
Closer to reality, is often configured in concrete operations with fixing denomination in circulation, such as by the 5th set of people
People's coin face amount production figures currency, then need to produce DCoin 1、DCoin 5、DCoin 10、DCoin 20、DCoin 50、
DCoin 100.In this way, every time in payment process, possible single transaction needs the Payment Amount paid simultaneously
It is non-to be always consistent with fixed face amount.In this case, it is a kind of method solved the problems, such as that small change, which is paid,
Another way is exactly that the change illustrated in the embodiment of the present invention is exchanged.That is, D-RMB is passed through
Chip card is first exchanged to digital coin systems application change, then the change after exchange is selected into combination
Account in full pays businessman.In the specific embodiment of the invention, describe a kind of based on D-RMB cores
The exchange of piece card and method of payment and digital coin systems.Specific method and system combination accompanying drawing
7-9 is described in detail.
Fig. 7 is a kind of exchange side based on D-RMB chip cards according to embodiment of the present invention
The schematic diagram of the key step of method.
As shown in fig. 7, a kind of exchange based on D-RMB chip cards of embodiment of the present invention
Method mainly comprises the following steps：
Step S71：Terminal device receives change redemption request, and the change redemption request includes：
Digital cash to be exchanged, exchange gained face amount.
Step S72：The terminal device is according to the change redemption request from D-RMB chip cards
In choose digital cash to be exchanged, the request of generation first is then forwarded to business bank's digital cash
System, described first asks to be used to from business bank extract change digital cash.
Step S73：Business bank's digital coin systems receive it is described first request after,
Change digital cash is extracted according to the described first request, the request of generation second is then forwarded to center
Bank's digital coin systems, described second asks to be used for the digital cash to be exchanged and institute
State change digital cash and carry out owner's change.
Step S74：Central Bank's digital coin systems perform pre- according to the described second request
If the operation of project simultaneously successfully indicates operation to return to business bank's digital cash system
System, includes the change digital cash to be exchanged and described zero in the operation of the preset term
The owner of money digital cash.
Step S75：Change after business bank's digital coin systems change owner is digital
Currency is sent to the terminal device, and the D-RMB chip cards are write by the terminal device
In.
As it was previously stated, in the specific embodiment of the invention, terminal device can be the POS of beneficiary
Machine.
In addition, methods described can also include：Business bank's digital coin systems receive institute
State after the first request, carry out first and verify, first checking includes：Wait to exchange described in checking
The legitimacy of digital cash, the redemption amount in the first redemption information of checking and wait to exchange digital goods
Whether the value of money of coin is consistent.
Methods described can also include：Central Bank's digital coin systems receive described second
After request, carry out second and verify, second checking includes：Wait to exchange digital goods described in checking
Whether the owner of coin and the change digital cash is legal.
By above-mentioned steps, the digital cash can complete change exchange, in particular transactions mistake
Cheng Zhong, so that it may be combined to the change that the method exchanged by above-mentioned change is obtained and completed to hand over
Easy payment.The step of specific payment, is as shown in Figure 8.
Fig. 8 is a kind of method of payment based on D-RMB chip cards of embodiment of the present invention
The schematic diagram of key step.
As shown in figure 8, a kind of payment based on D-RMB chip cards of embodiment of the present invention
Method mainly comprises the following steps：
Change numeral after business bank's digital coin systems described in step S75 change owner
Currency is sent to the terminal device, is write by the terminal device in the D-RMB chip cards
Afterwards, from step S81 start to process：
Step S81：The terminal device receives the Payment Amount information of peripheral operation input, so
The Payment Amount information is sent in the D-RMB chip cards, the Payment Amount information afterwards
Include 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 the 3rd is right
After send to business bank's digital coin systems, the described 3rd ask be used for the digital cash
Carry out owner's change；
Step S84：Business bank's digital coin systems receive it is described 3rd request after,
Generate the 4th request and be then forwarded to Central Bank's digital coin systems, the described 4th asks to be used for
Owner's change is carried out to the digital cash；
Step S85：Central Bank's digital coin systems perform pre- according to the described 4th request
If the operation of project simultaneously successfully indicates operation to return to business bank's digital cash system
System, includes in the operation of the preset term and the digital cash that the terminal device is received is carried out
The operation of owner's change；
Step S86：Business bank's digital coin systems receive the operation and successfully indicated
Afterwards, the successful information of feedback trading is to the terminal device.
Below for the method that digital cash change exchange is carried out by terminal device of foregoing description
And the method that the obtained change of the method exchanged using change is paid carries out detailed flow
Explanation.
Assuming that：There is digital cash D in the D-RMB chip cards 1 of payment userCoin 50It is (following to use
“DCoin" the specific amount of money of mark digital cash), represent it and possess 50 yuans one.
Now need to pay gathering businessman user 1 (terminal device 1 for the businessman user 1 that collects money, herein for
POS 1) 30 yuans.Assuming that POS businessman user is industrial and commercial bank client.Then lead to
The D-RMB chip cards 1 for crossing user are first exchanged to digital coin systems application change, then will be exchanged
Change selection combination account in full afterwards pays businessman's POS 1.
A.POS machines 1：D-RMB chip cards are inserted, selection function is " whole to change zero ", input：
Redemption amount (such as 50 yuan), face amount requires (such as 20 yuan two pieces, 10 yuan one piece)；Click on
" transmission "；
B.D-RMB chip cards and POS 1：Automatic value of choosing is 50 yuan of digital cash,
Such as DCoin 50, asked according to trading rules tissue first, and be sent to digital cash system of business bank
System, the first request herein is to be communicated according to POS 1 with business bank digital coin systems
Security protocol produce, for from business bank extract change digital cash；
C. 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 the first request are understood, first is carried out and verifies,
Including checking related legitimate (such as DCoin 50Legitimacy, dealing money whether with digital cash value of money
It is consistent), perform corresponding operating, the bank storehouse of business bank：Receive DCoin 50, draw DCoin 20、
DCoin 20'、DCoin 10；And message is reorganized to Central Bank's digital coin systems transmission according to trading rules
Second request, wherein, the second request is according to business bank's digital coin systems and Central Bank's number
Security protocol that word money-system is communicated is produced, for the digital cash to be exchanged with
And the change digital cash carries out owner's change；
D. 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 the second request are understood, second is carried out and verifies, including checking
Related legitimate (such as DCoin 20、DCoin 20'、DCoin 10And DCoin 50Whether owner is legal etc.),
Perform associative operation, Register：Change DCoin 20、DCoin 20'、DCoin 10And DCoin 50Category
It is main, by DCoin 50The wallet address of D-RMB chip cards 1 of original binding is changed to industrial and commercial bank's code,
DCoin 20、DCoin 20'、DCoin 10Industrial and commercial bank's code of binding is changed to the money of D-RMB chip cards 1
Packet address；Record respective transaction flowing water；
E. business bank：Send DCoin 20、DCoin 20'、DCoin 10D-RMB is write to POS 1
Chip card 1, sends transaction successful information.
In addition, the present invention also provides a kind of method of digital cash on-line payment, it is adaptable to pay
During, single transaction needs the situation that the Payment Amount paid is not consistent with fixed face amount.This
In the case of kind, the method making change that the change that can be illustrated in the foregoing embodiment of the present invention is exchanged
Digital cash.That is, first exchanged by D-RMB chip cards to digital coin systems application change,
Again businessman is paid by the change selection combination account in full after exchange.
According to described above, gathering businessman user 1 need to be paid (the end for the businessman user 1 that collects money
End equipment 1, is herein POS 1) 30 yuans.Then by foregoing a-e the step of,
Change exchange is completed, then carries out on-line payment from f：
F.POS machines 1：30 yuan of spending amount is inputted in POS；
G.D-RMB chip cards 1：D-RMB chip cards 1 are communicated with POS 1, such as
It can be communicated by wave points such as NFC with POS, it is automatic to choose the number that the amount of money is 30 yuan
Word currency DCoin 20、DCoin 10；It is sent to POS 1；
H.POS machines 1：Receive DCoin 20、DCoin 10, carry out the 3rd and verify, including checking related legitimate
Property, step chip card tests digital cash and judges whether the amount of money is enough etc. as before, is advised according to transaction
The then request of tissue the 3rd is sent to business bank's digital coin systems, herein the 3rd request basis
The security protocol that POS 1 is communicated with business bank digital coin systems is produced, for DCoin 20、DCoin 10Carry out owner's change；
I. business bank：Trading rules and the 3rd request are understood, the 4th is carried out and verifies, including test
Demonstrate,prove related legitimate (such as DCoin 20、DCoin 10Legitimacy, dealing money whether with digital cash coin
Value is consistent), corresponding operating is performed, and message is reorganized to Central Bank's number according to trading rules
Word money-system sends the 4th and asked, wherein, the 4th request is according to digital cash system of business bank
The security protocol generation that system is communicated with Central Bank digital coin systems, for DCoin 20、
DCoin 10Carry out owner's change；
J. the Central Bank：Trading rules and the 4th request are understood, the 5th is carried out and verifies, including test
Demonstrate,prove related legitimate (such as DCoin 20、DCoin 10Whether owner is D-RMB chip cards 1 etc.), hold
Row associative operation, Register：Change DCoin 20、DCoin 10Owner, by the D-RMB cores of binding
The wallet address of piece card 1 is changed to the corresponding merchant code of POS 1；Record respective transaction flowing water；
K. business bank：Send DCoin 20、DCoin 10To POS 1, send transaction and successfully carry
Show information.
L.POS machines 1：Strip is beaten, transaction is completed.
Program linkage processing is may be designed as more than in concrete application program development process.
According to embodiments of the present invention exchange and method of payment based on D-RMB chip cards can be with
Find out, the change for carrying out digital cash by using terminal device is exchanged, so as to flexibly side
Just be traded payment；By carrying out multiple authentication in links, and advised according to transaction
The transmission of association message is then organized, so as to strengthen the security of transaction；By carrying out change
Exchange, so as to be traded payment using exchanging obtained change, to lift digital cash
The operation of user embodies, flexible carry out on-line payment.
Fig. 9 is a kind of signal of the main modular of digital coin systems of embodiment of the present invention
Figure.
As shown in figure 9, a kind of digital coin systems 90 of embodiment of the present invention mainly include：
Terminal device 901, D-RMB chip cards 902, business bank's digital coin systems 903, center
Bank's digital coin systems 904, wherein：
Terminal device 901 can be used for receiving change redemption request, the change redemption request bag
Include：Digital cash to be exchanged, exchange gained face amount, and according to the change redemption request from
Digital cash to be exchanged is chosen in D-RMB chip cards 902, the request of generation first is then forwarded to
Business bank's digital coin systems 903, described first asks to be used to extract change from business bank
Digital cash, and in business bank's digital coin systems 903 after owner is changed
Change digital cash is sent to the terminal device 901, the change numeral after owner is changed
Currency is write in the D-RMB chip cards 902；Business bank's digital coin systems 903
For after first request is received, change digital cash to be extracted according to the described first request,
The request of generation second is then forwarded to Central Bank's digital coin systems 904, and second request is used
In carrying out owner's change to the digital cash to be exchanged and the change digital cash, and
After the successful instruction of operation is received, the change digital cash after owner is changed is sent to institute
State terminal device 901；Central Bank's digital coin systems 904 are used for please according to described second
Ask the operation for performing preset term and successfully indicate operation to return to business bank's numeral
Money-system 903, in the operation of the preset term comprising the change digital cash to be exchanged with
And the owner of the change digital cash.
The terminal device 901 can be the POS of beneficiary.
Business bank's digital coin systems 903 can be also used for receiving first request
Afterwards, carry out first to verify, first checking includes：The checking digital cash to be exchanged
Legitimacy, the redemption amount in the first redemption information of checking and the value of money of digital cash to be exchanged are
It is no to be consistent.
Central Bank's digital coin systems 904 can be also used for receiving second request
Afterwards, carry out second to verify, second checking includes：The checking digital cash to be exchanged and
Whether the owner of the change digital cash is legal.
By above description, a kind of digital coin systems can be obtained, are exchanged for change,
In actual circulation link, digital coin systems 90 can be used for digital cash payment, wherein：
Change digital cash after the terminal device 901 changes owner writes the D-RMB
After in chip card 902, the terminal device 901 can also be used to receive peripheral operation input
Payment Amount information, is then sent to the D-RMB chip cards 902 by the Payment Amount information,
Payment Amount is included in the Payment Amount information, and after the digital cash is received, it is raw
Business bank's digital coin systems 903 are then forwarded into the 3rd request, the described 3rd asks to be used for
Owner's change is carried out to the digital cash；The D-RMB chip cards 902 can also be used to choose
The digital cash of the Payment Amount, is then forwarded to the terminal device 901；The commercial silver
Row digital coin systems 903 can be additionally used in after the 3rd request is received, and generation the 4th please
Ask and be then forwarded to Central Bank's digital coin systems 904, the described 4th asks to be used for the number
Word currency carries out owner's change, and after the successful instruction of the operation is received, feedback trading
Successful information is to the terminal device 901；Central Bank's digital coin systems 904 may be used also
For performing the operation of preset term according to the described 4th request and successfully indicating to return by operation
To business bank's digital coin systems 903, included in the operation of the preset term to described
The digital cash that terminal device 901 is received carries 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 embodiment of the present invention, by using end
The change that end equipment carries out digital cash is exchanged, and payment is traded so as to flexible；
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；By carrying out change exchange, so as to utilize
Exchange obtained change and be traded payment, embodied with the operation for lifting digital cash user, spirit
Convenient progress on-line payment living.
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.
Compared with market, other replace the money-system of bank note, D-RMB tentatively has convenience
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 electronics branch
System security technology is paid, while backstage utilizes powerful D-RMB cloud computing systems, is further protected
Transaction security is hindered；
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 exchanging method based on digital cash chip card, it is characterised in that including：
Terminal device receives change redemption request, and the change redemption request includes：Number to be exchanged
Word currency, exchange gained face amount；
The terminal device is chosen from digital cash chip card according to the change redemption request and treated
Digital cash is exchanged, the request of generation first is then forwarded to business bank's digital coin systems, institute
Stating the first request is used to from business bank extract change digital cash；
Business bank's digital coin systems are after first request is received, according to described
Change digital cash is extracted in first request, and the request of generation second is then forwarded to Central Bank's numeral
Money-system, described second asks to be used for the digital cash to be exchanged and the change 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
Comprising the change digital cash to be exchanged and the change digital cash in the operation of project
Owner；
Business bank's digital coin systems owner is changed after change digital cash send to
The terminal device, is write in the digital cash chip card by the terminal device.
2. according to the method described in claim 1, it is characterised in that the terminal device is receipts
Money side's POS.
3. according to the method described in claim 1, it is characterised in that business bank's numeral
Money-system is received after first request, in addition to：Business bank's digital cash system
System confirms the legitimacy of the digital cash to be exchanged, the exchange gold confirmed in the first redemption information
Volume is consistent with the value of money of digital cash to be exchanged.
4. according to the method described in claim 1, it is characterised in that Central Bank's numeral
Money-system is received after second request, in addition to：Central Bank's digital cash system
System confirms that the owner of the digital cash to be exchanged and the change digital cash is legal.
5. a kind of method of payment based on digital cash chip card, it is characterised in that
Terminal device receives change redemption request, and the change redemption request includes：Number to be exchanged
Word currency, exchange gained face amount；
The terminal device is chosen from digital cash chip card according to the change redemption request and treated
Digital cash is exchanged, the request of generation first is then forwarded to business bank's digital coin systems, institute
Stating the first request is used to from business bank extract change digital cash；
Business bank's digital coin systems are after first request is received, according to described
Change digital cash is extracted in first request, and the request of generation second is then forwarded to Central Bank's numeral
Money-system, described second asks to be used for the digital cash to be exchanged and the change 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
Comprising the change digital cash to be exchanged and the change digital cash in the operation of project
Owner；
Business bank's digital coin systems owner is changed after change digital cash send to
The terminal device, is write in the digital cash chip card by the terminal device；
The terminal device receives the Payment Amount information of peripheral operation input, and then this is paid the bill
Amount information is sent in the 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 the 3rd is then forwarded to business
Industry bank digital coin systems, the described 3rd asks to be used for carry out owner's change to the digital cash
More；
Business bank's digital coin systems are after the 3rd request is received, generation the 4th
Request is then forwarded to Central Bank's digital coin systems, and the described 4th 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 4th 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.
6. a kind of digital coin systems, it is characterised in that including：Terminal device, digital cash
Chip card, business bank's digital coin systems, Central Bank's digital coin systems, wherein：
The terminal device is used to receive change redemption request, and the change redemption request includes：
Digital cash to be exchanged, gained face amount is exchanged, and according to the change redemption request from numeral
Digital cash to be exchanged is chosen in currency chip card, the request of generation first is then forwarded to commercial silver
Row digital coin systems, described first asks to be used to from business bank extract change digital cash,
And the change digital cash hair in business bank's digital coin systems after owner is changed
Deliver to after the terminal device, the change digital cash after owner is changed writes the digital goods
In coin chip card；
Business bank's digital coin systems are used for after first request is received, according to
Change digital cash is extracted in first request, and the request of generation second is then forwarded to the Central Bank
Digital coin systems, described second asks to be used for the digital cash to be exchanged and described zero
Money digital cash carries out owner's change, and after the successful instruction of operation is received, by owner
Change digital cash after change is sent 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
The change digital cash to be exchanged and the digital goods of the change are included in the operation of preset term
The owner of coin.
7. system according to claim 6, it is characterised in that the terminal device is receipts
Money side's POS.
8. system according to claim 6, it is characterised in that business bank's numeral
Money-system is additionally operable to confirm the legitimacy of the digital cash to be exchanged, confirms that first exchanges letter
Redemption amount in breath is consistent with the value of money of digital cash to be exchanged.
9. system according to claim 6, it is characterised in that Central Bank's numeral
Money-system is additionally operable to confirm the owner of the digital cash to be exchanged and the change digital cash
It is legal.
10. the system according to any one of claim 6 to 9, it is characterised in that
The terminal device is additionally operable to receive the Payment Amount information of peripheral operation input, then will
The Payment Amount information is sent in the digital cash chip card, the Payment Amount information and wrapped
Containing Payment Amount, and after the digital cash is received, the request of generation the 3rd is then forwarded to
Business bank's digital coin systems, the described 3rd asks to be used for carry out owner to the digital cash
Change；
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 the 3rd request is received, raw
Central Bank's digital coin systems are then forwarded into the 4th request, and the described 4th asks to be used for pair
The digital cash carries out owner's change, and after the successful instruction of the operation is received, instead
The successful information of transaction is presented to the terminal device；
Central Bank's digital coin systems are additionally operable to perform default item according to the described 4th 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.
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| CN201610178934.3A CN107230067B (en) | 2016-03-25 | 2016-03-25 | Conversion and payment method based on digital currency chip card and digital currency system |
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| CN201610178934.3A CN107230067B (en) | 2016-03-25 | 2016-03-25 | Conversion and payment method based on digital currency chip card and digital currency system |
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| CN107230067B (en) | 2021-04-09 |
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