CN107230070A - Digital coin systems - Google Patents
Digital coin systems Download PDFInfo
- Publication number
- CN107230070A CN107230070A CN201610179399.3A CN201610179399A CN107230070A CN 107230070 A CN107230070 A CN 107230070A CN 201610179399 A CN201610179399 A CN 201610179399A CN 107230070 A CN107230070 A CN 107230070A
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- Prior art keywords
- digital
- bank
- coin systems
- cash
- digital cash
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- 230000008859 change Effects 0.000 claims description 154
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 claims description 23
- 229910052709 silver Inorganic materials 0.000 claims description 23
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- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 4
- 229910052737 gold Inorganic materials 0.000 claims description 4
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Classifications
-
- 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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The invention provides a kind of digital coin systems, including Central Bank's digital coin systems, business bank's digital coin systems and Verification System, wherein, Central Bank's digital coin systems are used to producing and issuing digital cash, and carry out right registration to digital cash；Business bank's digital coin systems are used to perform bank function for digital cash；Verification System is used to provide the interaction between terminal device used in the user of Central Bank's digital coin systems and digital cash certification, and provides certification to the interaction between Central Bank's digital coin systems and business bank's digital coin systems.Technique according to the invention scheme, realizes good, the safe digital coin systems of convenience, and can be applied to plurality of application scenes of the digital cash in reality, helps to use the all-round popularization of digital cash in the whole society.
Description
Technical field
The present invention relates to computer and its software technology field, a kind of particularly digital cash
System.
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.
The content of the invention
In view of this, the present invention proposes a kind of digital coin systems, to solve to close in the prior art
In at least one of the problems of digital cash.Other objects of the present invention and beneficial effect
It will be embodied by embodiment.
The present invention provides following technical scheme：
A kind of digital coin systems, including Central Bank's digital coin systems, business bank's numeral
Money-system and Verification System, wherein, Central Bank's digital coin systems be used for produce and
Digital cash is issued, and right registration is carried out to digital cash；Digital cash system of business bank
Unite for performing bank function for digital cash；Verification System is used for Central Bank's number
Interaction offer between terminal device used in the user of word money-system and digital cash is recognized
Card, and to Central Bank's digital coin systems and business bank's digital coin systems
Between interaction provide certification.
Alternatively, Central Bank's digital coin systems are additionally operable to record the digital cash
Transaction journal information.
Alternatively, Central Bank's digital coin systems are additionally operable to one kind or many in following
The mode of kind produces digital cash：Denomination according to the commodity money in circulation produces the number of the denomination
Word currency；Least unit denomination according to pre-setting produces the digital cash of the denomination；And/or,
Withdrawal Amount according to user produces the currency using the Withdrawal Amount as denomination.
Alternatively, the publishing system is additionally operable to produce digital cash with following steps：By advance
The main password set and being produced with the unique corresponding numeral of the denomination corresponding to institute of pre-setting
State the basic Crypted password of denomination；By basic Crypted password and the generating random number Crypted password,
The Crypted password of generation is signed to obtain the digital cash of the denomination again.
Alternatively, Central Bank's digital coin systems and business bank's digital coin systems are also
For being proceeded as follows to D-RMB chip cards, wherein the D-RMB chip cards include
Storage medium：Central Bank's digital coin systems generate D-RMB chips by preassigned content
The individuation data of card；Business bank's digital coin systems will apply for the D-RMB chip cards
The personal information of user writes the D-RMB chip cards；Business bank's digital coin systems are with user
IBC public keys are to the Verification System application IBC private keys, and the user IBC public keys are described
The mark of D-RMB chip cards or the mark of the user.
Alternatively, the D-RMB chip cards include following form：Visual Bluetooth IC form,
IC-card form, mobile phone-eSE cards form, mobile phone-safe SD card form, mobile phone-SIM card form.
Alternatively, Central Bank's digital coin systems are additionally operable to be used in accordance with the following steps
Register at family：Central Bank's digital coin systems are receiving the terminal device hair that user uses
It is soft suitable for the application of the terminal device to terminal device transmission after the proof of identification information come
Part；Central Bank's digital coin systems are to the terminal device for running the application software
Send IBC public keys and IBC private keys, then carried out with the terminal device authentication session and
Session key agreement；Central Bank's digital coin systems receive the operation application software
The user account that the terminal device is sent, then sends user cipher to the terminal device.
Alternatively, business bank's digital coin systems are additionally operable to and as follows one or more
Adapter is connected：Moneytary operations data adapter unit, mobile service providers SMS gateway adapter,
Retailer system adapter, ATM data supply system adapters.
Alternatively, business bank's digital coin systems are additionally operable to receive what user terminal was sent
First request, and according to the specified amount of money of the described first request, number is extracted from the account
Word currency；And the second request is sent to Central Bank's digital coin systems；And receiving
After successfully being indicated to the operation that Central Bank's digital coin systems are sent, it will be carried
The digital cash taken is sent to the user terminal；Central Bank's digital coin systems are also used
In receive it is described second request, and according to described second request perform preset term operation and will
Successfully instruction returns to business bank's digital coin systems for operation, the preset term
Included in operation and owner's change is carried out to the digital cash that business bank's digital coin systems are extracted
Operation more；Wherein, described first ask for being extracted from user in the account of business bank
Digital cash；Described second asks to carry out owner's change for the digital cash to extraction.
Alternatively, business bank's digital coin systems are additionally operable to receive site system of business bank
First sent of uniting is asked, and asks the specified amount of money from the commercial silver according to described first
Digital cash is extracted in capable account；And the second request is sent to Central Bank's digital cash
System；And receiving the operation success that Central Bank's digital coin systems are sent
Instruction after, the digital cash extracted is sent to the user terminal, wherein, described
One request includes user terminal identification；Central Bank's digital coin systems are additionally operable to receive institute
The second request is stated, and the operation of preset term is performed according to the described second request and will be operated successfully
Instruction return to business bank's digital coin systems, in the operation of the preset term wrap
The behaviour that owner's change is carried out containing the digital cash extracted to business bank's digital coin systems
Make；Wherein, described first ask to be used to use cash redemption digital cash；Second request
Owner's change is carried out for the digital cash to extraction.
Alternatively, the digital coin systems also include the first user terminal and second user terminal；
First user terminal is used for the payment instruction according to reception, extracts and the payment instruction institute
The equal digital cash of the amount of money specified, and generate the first request and be sent to the digital goods of business bank
Coin system, wherein, first request includes second user terminal iidentification and the digital cash,
Described first asks to be used for carry out owner's change to the digital cash；Business bank's numeral
Money-system is additionally operable to after first request is received, and the request of generation second is then sent to
Central Bank's digital coin systems, described second asks to be used for carry out owner to the digital cash
Change；And receiving the operation success that Central Bank's digital coin systems are sent
Instruction after, the digital cash is sent to second user terminal；Central Bank's numeral
Money-system is additionally operable to receive second request, and performs 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 the operation for being included in the operation of preset term and owner's change being carried out to the digital cash；It is described
Second user terminal is used to receive the digital goods that business bank's digital coin systems are sent
Coin.
Alternatively, the digital coin systems also include user terminal；The user terminal is used for
Exchanged and instructed according to change, that chooses the change exchange instruction amount of money treats exchange numeral
Currency, and the first request is sent to business bank's digital coin systems, first request is used
In progress change exchange；And receive business bank's digital coin systems are sent described zero
Money digital cash；Business bank's digital coin systems are additionally operable to according to the described first request,
The digital cash to be exchanged is converted into change digital cash, and second is asked in being sent to
Entreat bank digital coin systems, described second ask for the digital cash to be exchanged and
The change digital cash carries out owner's change；And after the successful instruction of the operation is received,
The change digital cash is sent to first user terminal；The digital goods of the Central Bank
Coin system is additionally operable to perform the operation of preset term according to the described second request and will operated successful
Instruction returns to business bank's digital coin systems, is included in the operation of the preset term
The operation of owner's change is carried out to the digital cash to be exchanged and the change digital cash.
Alternatively, the digital coin systems also include payer terminal equipment and beneficiary terminal
Equipment；The payer terminal equipment is used for：Receive the Payment Amount and receipts of peripheral operation input
Money side is identified；Total amount is chosen in paying party digital cash wallet and is equal to the Payment Amount
Digital cash；The digital cash is sent to the beneficiary mark institute with near-field communication modes
The corresponding beneficiary terminal device；The beneficiary terminal device is used for：By the numeral
Currency is sent to business bank's digital coin systems by network；Business bank's digital cash
System is additionally operable to：The digital cash is sent to Central Bank's digital coin systems by network；
Central Bank's digital coin systems are additionally operable to：By owner's information of the digital cash by paying
Money side is changed to beneficiary.
Alternatively, the digital coin systems also include payer terminal equipment and beneficiary terminal
Equipment；The payer terminal equipment is used for：Receive the Payment Amount of peripheral operation input, receive
Money side is identified and withdrawal identification code；Total amount is chosen in paying party digital cash wallet to be equal to
The digital cash of the Payment Amount；By the digital cash and withdrawal identification code with near-field communication
Mode is sent to the corresponding beneficiary terminal device of the beneficiary mark；The gathering
Square terminal device is used for：The digital cash and withdrawal identification code are sent to business by network
Bank's digital coin systems；Business bank's digital coin systems are additionally operable to：By digital cash
Central Bank's digital coin systems are sent to by network with withdrawal identification code；The Central Bank
Digital coin systems are additionally operable to：Owner's information of the digital cash is changed to by paying party to receive
Money side and remarks withdrawal identification code.
Alternatively, the digital coin systems also include subscriber terminal equipment；The user terminal
Equipment is used for：The amount of money of cashing inputted according to peripheral operation chooses equivalence in digital cash wallet
Digital cash；The digital cash is sent to business bank's digital coin systems；Institute
Business bank's digital coin systems are stated to be additionally operable to：The digital cash is sent to Central Bank's number
Word money-system；The disposable drawing code that the user is provided is sent to the center
Bank's digital coin systems；Contribution instruction is sent after effectively being notified according to disposable drawing code,
Wherein described contribution is instructed for control machine or the artificial payment user number of prompting equal to described
Cash the cash of the amount of money；Central Bank's digital coin systems are additionally operable to：Generation is disposably carried
Money code is then sent to the subscriber terminal equipment to be presented to user, and by the numeral
Owner's information of currency is changed to the Central Bank by user；Confirm that the disposable drawing code has
Effect, then will cash the amount of money described in the increase of business bank account, and to the commercial silver line number
Word money-system sends the disposable drawing code and effectively notified.
Alternatively, the digital coin systems also include subscriber terminal equipment；The user terminal
Equipment is used for：The amount of money of cashing inputted according to peripheral operation chooses equivalence in digital cash wallet
Digital cash；The digital cash is sent to business bank's digital coin systems；The business
Industry bank digital coin systems are additionally operable to：The disposable code that originally makes a draft of money of generation, by the number
Word currency is sent to Central Bank's digital coin systems；Instruction is updated successfully according to the owner,
The disposable code that originally makes a draft of money is sent to the subscriber terminal equipment to be presented to use
Family；Confirm that the disposable code that originally makes a draft of money that the user provides is effective, then send
Contribution is instructed, wherein the contribution is instructed for control machine or the artificial payment number of users of prompting
Volume is equal to the cash for cashing the amount of money；Central Bank's digital coin systems are additionally operable to：Will
Owner's information of the digital cash is changed to business bank by user, then to the commercial silver
Row digital coin systems send owner and are updated successfully instruction.
Alternatively, the digital coin systems also include terminal device；The terminal device is used for：
Receive the amount deposited and savings account of peripheral operation input；Chosen in digital cash wallet total
The amount of money is equal to the digital cash of the amount deposited；The digital cash and savings account are sent
To business bank's digital coin systems；Business bank's digital coin systems are additionally operable to：
The digital cash and savings account are sent to Central Bank's digital coin systems；According to
Successful information of merchandising increases the savings account book keeping operation of the amount deposited, and to described
Terminal device sends deposit success notification；Central Bank's digital coin systems are additionally operable to：Will
Owner's information of the digital cash is changed to business bank by user, and to the commercial silver
Row digital coin systems feed back the transaction successful information.
Alternatively, business bank's digital coin systems are additionally operable to receive the reality of redemption request side
The amount information of thing cash and digital money card information, then determine to join according to the amount information
With the digital cash of exchange, further according to the digital cash and the digital cash of redemption request side
Card information generates redemption request information, and the redemption request information then is sent into Central Bank's number
Word money-system；And in described the operating into for receiving Central Bank's digital coin systems return
After the instruction of work(, in the digital cash card that the digital cash is write to the redemption request side；
Central Bank's digital coin systems are additionally operable to perform default item according to the redemption request information
Purpose operates and successfully indicates operation to return to business bank's digital coin systems, institute
State the number for being included in the operation of preset term and business bank's digital coin systems being participated in exchange
Word currency carries out the operation of owner's change.
Alternatively, business bank's digital coin systems are additionally operable to receive converting for redemption request side
Change amount information, bank account information and digital cash card information；Then converted according to
Change amount information and the amount of money equal with redemption amount is deducted in the bank account, further according to converting
The digital cash that amount information determines to participate in exchanging is changed, and according to the digital cash and is converted
The digital cash card information generation redemption request information of requesting party is changed, then the redemption request is believed
Breath is sent to Central Bank's digital coin systems；And receiving digital cash system of the Central Bank
After the operation returned of uniting successfully is indicated, the digital cash is write into the exchange please
In the digital cash card for the side of asking；Central Bank's digital coin systems are additionally operable to convert according to
Solicited message is changed to perform the operation of preset term and then successfully indicate operation to return to the business
Industry bank digital coin systems, are included to the commercial silver line number in the operation of the preset term
Word money-system participates in the operation for the digital cash progress owner's change exchanged.
Alternatively, the digital coin systems also include terminal device and digital cash chip card；
The 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 numeral
Currency chip card is used for the digital cash for choosing the Payment Amount, is then forwarded to the terminal
Equipment；Business bank's digital coin systems are additionally operable to after first request is received,
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, and is receiving Central Bank's digital cash system
After system operation is successfully indicated, the successful information of feedback trading to the terminal device；In described
Centre bank digital coin systems are additionally operable to perform the operation of preset term simultaneously according to the described second request
Operation is successfully indicated to return to business bank's digital coin systems, the preset term
Operation in include to the terminal device receive digital cash carry out owner's change operation.
Alternatively, the digital coin systems also include terminal device and digital cash chip card；
The terminal device is used to receive change redemption request, and the change redemption request includes：Wait to convert
Change digital cash, exchange gained face amount, and according to the change redemption request from digital cash
Digital cash to be exchanged is chosen in chip card, the request of generation first is then forwarded to commercial silver line number
Word money-system, described first asks to be used to from business bank extract change digital cash, with
And sent in change digital cash of the business bank's digital coin systems after owner is changed
After to the terminal device, the change digital cash after owner is changed writes the digital cash
In chip card；Business bank's digital coin systems are additionally operable to receiving first request
Afterwards, change digital cash is extracted according to the described first request, the request of generation second is then forwarded to
Central Bank's digital coin systems, described second ask be used for the digital cash to be exchanged with
And the change digital cash carries out owner's change, and after the successful instruction of operation is received,
Change digital cash after owner is changed is sent to the terminal device；Central Bank's number
Word money-system is additionally operable to perform the operation of preset term according to the described second request and will operated into
The instruction of work(returns to business bank's digital coin systems, in the operation of the preset term
Owner comprising the change digital cash to be exchanged and the change digital cash.
Alternatively, the digital coin systems also include viewable numbers currency chip card and mobile whole
End；The viewable numbers currency chip card is used for the Payment Amount information for receiving peripheral operation input,
The digital cash of the Payment Amount is selected to send to mobile terminal；The mobile terminal is used to receive
The digital cash, the request of generation first is then forwarded to business bank's digital coin systems, institute
Stating the first request is used to carry out owner's change to the digital cash；The digital goods of the business bank
Coin system is additionally operable to after first request is received, during the request of generation second is then forwarded to
Bank's digital coin systems are entreated, described second asks to be used for carry out owner's change to the digital cash
More；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 mobile terminal is received
Operation more.
Alternatively, the digital coin systems also include mobile terminal and digital cash chip card；
The mobile terminal 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 after the digital cash is received, 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
Digital cash chip card is used for the digital cash for selecting the amount of money specified by the Payment Amount information,
It is then forwarded to the mobile terminal；Business bank's digital coin systems are additionally operable to receiving
To after the described first request, the request of generation second is then forwarded to Central Bank's digital coin systems,
Described second asks to be used for carry out owner's change to the digital cash；Central Bank's numeral
Money-system is additionally operable to perform the operation of preset term according to the described second request and will operated successfully
Instruction return to business bank's digital coin systems, in the operation of the preset term wrap
The operation of owner's change is carried out containing the digital cash received to the mobile terminal.
Alternatively, the digital coin systems also include subscriber terminal equipment and accepting terminal equipment；
The user terminal is used to send payment information to accepting terminal equipment, the payment information bag
Include digital cash chip card information and the digital cash equivalent with Payment Amount；It is described to accept end
End equipment is used to receive after the payment information, and the payment information is sent to business bank
Digital coin systems；Business bank's digital coin systems are additionally operable to receiving the payment
After information, the request for changing owner is sent to Central Bank's digital coin systems；The center silver
Row digital coin systems are additionally operable to after the request of the change owner is received, by the numeral
The owner of currency is changed to business bank's code of trade company；Business bank's digital coin systems
It is additionally operable to change the account amount of money of the trade company.
Alternatively, the digital coin systems also include subscriber terminal equipment and accepting terminal equipment；
The accepting terminal equipment is used to not set up network connection with business bank digital coin systems
In the case of, dealing money is received, and connect being set up with business bank's digital coin systems
After connecing, the accepting terminal equipment sends the Transaction Information to business bank numeral
Money-system；The subscriber terminal equipment be used for by near radio connected mode from it is described by
Manage terminal device and obtain the dealing money, and Transaction Information is sent to the accepting terminal set
Standby, the Transaction Information includes digital cash chip card information and the number equivalent with dealing money
Word currency；Business bank's digital coin systems are additionally operable to after the Transaction Information is received,
The request of change owner is sent to Central Bank's digital coin systems；The digital goods of the Central Bank
Coin system is additionally operable to after the request of the change owner is received, by the category of the digital cash
The corresponding trade company's code of the more described accepting terminal equipment of main transformer.
Alternatively, the digital coin systems also include payment viewable numbers currency chip card and receipts
Money terminal device；It is described payment viewable numbers currency chip card, for not with commercial silver line number
In the case that word money-system sets up network connection, sent to cash receiving terminal equipment and pay request,
The payment request bag contains digital cash to be paid, dealing money；The cash receiving terminal equipment,
For after the payment request is received, network connection to be initiated to business bank's digital coin systems,
In the case of the network connection is successful, the payment request is sent to the business bank
Digital coin systems；Business bank's digital coin systems are additionally operable to be asked according to described pay,
Sent to Central Bank's digital coin systems comprising the payment affirmation request for paying request, institute
Payment affirmation is stated to ask for carrying out owner's change to the digital cash to be paid；In described
Centre bank digital coin systems are additionally operable to be asked according to the payment affirmation, perform predetermined registration operation,
Then operating result is notified to the cash receiving terminal equipment, it is described that the predetermined registration operation includes change
The owner of digital cash to be paid.
Alternatively, the digital coin systems also include payment viewable numbers currency chip card and receipts
Money terminal device；The payment viewable numbers currency chip card is used for digital not with business bank
In the case that money-system sets up network connection, the branch of digital cash is sent to cash receiving terminal equipment
Request is paid, the payment request bag contains digital cash and dealing money to be paid；The gathering
Terminal device is used to initiate network connection to business bank's digital coin systems, connects in the network
In the case of being connected into work(, the authentication information hair that the user that asks and collect money reserves is paid by described
It is sent to business bank's digital coin systems；Business bank's digital coin systems are additionally operable to
Asked according to described pay, payment affirmation request, institute are sent to Central Bank's digital coin systems
Payment affirmation is stated to ask for carrying out owner's change to the digital cash to be paid, and it is described
Payment-confirmation request contains the digital cash to be paid, the dealing money, the identity
Checking information；Central Bank's digital coin systems are additionally operable to be asked according to the payment affirmation,
Predetermined registration operation is performed, then operating result, the default behaviour is sent to the cash receiving terminal equipment
Work includes changing the owner of the digital cash to be paid and preserves the authentication letter
Breath.
Alternatively, the digital coin systems also include payment viewable numbers currency chip card and receipts
Money viewable numbers currency chip card；The payment viewable numbers currency chip card be used for not with business
In the case that industry bank digital coin systems set up network connection, to gathering viewable numbers currency core
Piece card sends the payment request of digital cash, and the payment request bag contains digital cash to be paid
And dealing money；The gathering viewable numbers currency chip card is used to receive the payment request
Afterwards, network connection is initiated to business bank's digital coin systems, it is successful in the network connection
In the case of, the payment request is sent to business bank's digital coin systems；The business
Industry bank digital coin systems are additionally operable to be asked according to described pay, to Central Bank's digital cash
System sends the payment affirmation comprising the digital cash to be paid and the dealing money please
Ask, the payment affirmation is asked for carrying out owner's change to digital cash to be paid；It is described
Central Bank's digital coin systems are additionally operable to be asked according to the payment affirmation, perform predetermined registration operation,
Then operating result, the predetermined registration operation bag are notified to the gathering viewable numbers currency chip card
Include the owner for changing the digital cash.
Alternatively, the digital coin systems also include accepting terminal equipment；The accepting terminal
Equipment is used to set up after communication connection with digital cash chip card, receives depositing for peripheral operation input
Money information, and the deposit information is sent to business bank's digital coin systems, the deposit
Information includes deposit account information, digital cash chip card information and equivalent with amount deposited
Digital cash；Business bank's digital coin systems are additionally operable to receiving the deposit information
Afterwards, the request for changing owner is sent to Central Bank's digital coin systems；Central Bank's number
Word money-system is additionally operable to after the request of the change owner is received, by the digital cash
Owner be changed to the business bank, and the amount of money of the savings account is changed.
Alternatively, the digital coin systems also include accepting terminal equipment；The accepting terminal
Equipment is used for after communication connection is set up with digital cash chip card, receives peripheral operation input
Redemption information, and the redemption information is sent to business bank's digital coin systems, wherein,
The redemption information includes digital cash chip card information and the digital goods equivalent with redemption amount
Coin；Business bank's digital coin systems are additionally operable to after the redemption information is received, to
Central Bank's digital coin systems send the request of change owner；Central Bank's digital cash
System is additionally operable to after the request of the change owner is received, by the owner of the digital cash
It is changed to the business bank；Business bank's digital coin systems are additionally operable to accept to described
Terminal device sends control instruction, and the control instruction is used for the bank note for exporting the redemption amount；
The accepting terminal equipment is additionally operable to export the paper of the redemption amount according to the control instruction
Coin.
Technique according to the invention scheme, realizes good, the safe digital cash of convenience
System, and plurality of application scenes of the digital cash in reality can be applied to, help to make
The all-round popularization of digital cash in the whole society is used.
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 A are the signals of the basic structure of the digital coin systems according to embodiment of the present invention
Figure；
Fig. 4 B are according to during the offer online service of the digital coin systems of embodiment of the present invention
A kind of schematic diagram of structure of general frame；
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.
Embodiment
The exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including this
The various details of invention embodiment should think them only exemplary to help understanding
's.Therefore, it will be appreciated by those of ordinary skill in the art that, can to it is described herein implement
Mode makes various changes and modifications, without departing from scope and spirit of the present invention.Equally,
For clarity and conciseness, the description to known function and structure is eliminated in following description.
In embodiment of the present invention, digital cash 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 is the transfer (D by digital cashCoinTransaction)
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 set
It is calculated as limiting amount payment.
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, the main flow being related to is such as
Shown in Fig. 1, Fig. 1 is the main flow of the work of the pre- fabrication relevant with embodiment of the present invention
Schematic diagram.
Card base is used as DCoinSafety barrier, in DCoinThe links of circulation are for ensureing DCoin's
Security has certain booster action, and (independent physical support IC-card is also referred to as " D-RMB cores
Piece card ").
(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.
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.
Fig. 4 A are the signals of the basic structure of the digital coin systems according to embodiment of the present invention
Figure.As shown in Figure 4 A, digital coin systems 40 include Central Bank's digital coin systems 41,
Business bank's digital coin systems 42 (can be multiple business bank's digital cash systems in practice
1 is only shown as example in system, figure) and Verification System 43, wherein, the Central Bank
Digital coin systems 41 are used to producing and issuing digital cash, and carry out ownership to digital cash
Registration；Business bank's digital coin systems 42 are used to perform bank function for digital cash；Recognize
Card system 43 is used to use the user of Central Bank's digital coin systems 41 and digital cash
Terminal device 49 between interaction certification is provided, and to Central Bank's digital coin systems 41
Interaction between business bank's digital coin systems 42 provides certification.
Fig. 4 B are according to during the offer online service of the digital coin systems of embodiment of the present invention
A kind of schematic diagram of structure of general frame.In general frame shown in Fig. 4 B, D-RMB numbers
The core of word currency operating is business bank's digital coin systems, Central Bank's D-RMB systems and firm
D-RMB systems are connected, and are responsible for being traded confirmation.Firm's D-RMB systems and Central Bank D-RMB
System can make full use of advanced cloud to carry out scattered deployment, while D-RMB systems of firm
System interconnects with its built-in system.
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.
Below will be using user mobile phone as terminal mode, using cell-phone number as identity, to behaviour
The miscellaneous service flow for making D-RMB is illustrated by, mainly log in, extract including client downloads,
The flow such as pay, deposit and cash, carry out face-to-face mode of doing business to illustrate.The client of user
End logs in, extracted, cash flows require that user must complete under presence, and pays
Journey can be divided into on-line payment and offline electronic payment, then form multiple scene states and its corresponding
Flow, each flow purpose to be reached is realized by series of operation steps.Except mobile phone
In addition, other intelligent terminals being likely to occur at present and in the future can serve as D-RMB load
Body simultaneously performs miscellaneous service flow.
Individually below to the summary of flow (following " process description ") and scene state (with
Under " scene explanation ") and (following " step the step of realize the flow in this scenario
Rapid explanation ") it is been described by one by one.
Download and log on subscription client, performed by below scheme：
Process description：The APP installation procedures that user is provided by mobile phone-downloaded by business bank are stepped on
Record D-RMB systematic procedures.
Scene explanation：Qualified business bank (such as industrial and commercial bank) connection ca authentication center,
IBC authentication centers and Register, digital cash service is provided to user.User passes through under mobile phone
The APP installation procedures provided by business bank are provided and log in business bank's D-RMB systems.
Step explanation：
Step 1. user logs in firm (such as Industrial and Commercial Bank of China) D-RMB system pages with mobile phone,
The mobile phone A PP installation procedures provided by business bank are downloaded, for (the IBC certifications of existing account
Center) user, can directly log in；For new user, it is necessary at the beginning of carrying out account first
Beginningization is operated；
Step 2. is initialized：In page typing relevant information (such as name, address, Email
Address, cell-phone number, identification card number, register account number are cell-phone number etc.), click on and send；
Step 3. business bank：IBC authentication centers are connected, D-RMB numbers are created for the user
Word money-system unique account, and in its uniqueness of IBC central authentications.Personal user can use
Cell-phone number, generates user's initial log password and is sent to user mobile phone；IBC centers are according to mobile phone
Number produce user private key, public key is user mobile phone number, and stream is traded using public key as account
Turn；
Step 4. user mobile phone end：Activated Account after receiving initial log password, download user
Private key and Central Bank's public key are stepped on to mobile phone protective zone by logging on mobile phone A PP to change
Password is recorded, initialization is completed.
If Mobile phone card is changed in user's application, key can be implanted in card SE areas in advance in advance.
On extracting flow, it is illustrated below.
Process description：User is by mobile phone to D-RMB system applications DCoin。
Scene one：D is extracted from business bank's accountCoin。
Scene two：With cash redemption DCoin。
Illustrate separately below.
Scene one：D is extracted from business bank's accountCoin, such as user is from oneself industrial and commercial bank's account
250 yuan of exchange D are taken in familyCoin。
Step explanation：
Step 1. User logs in mobile phone A PP, selection function " extraction digital cash " selects work
Business bank, input Bank Account Number, the required amount of money (such as 250 yuan), account password key element,
Click on " transmission "；
Step 2. business bank (i.e. business bank's digital coin systems are performed, similarly hereinafter)：Checking
Related legitimate, such as veritify account password, user's fund account be B account balances whether cover,
D in bank storehouseCoinWhether cover；It is above-mentioned be verified after from BAccountWithhold 250 yuan, bank
Draw D in storehouseCoin 100, DCoin 100' and DCoin 50；According to trading rules tissue relevant information to Central Bank
D-RMB systems send request；
Step 3. Central Bank (i.e. Central Bank's digital coin systems are performed, similarly hereinafter)：Understand
Trading rules and relevant information, checking related legitimate (such as DCoin 100, DCoin 100' and DCoin 50
Whether owner is industrial and commercial bank etc.), perform associative operation, Register's (i.e. Central Bank's number
The Register of word money-system performs, similarly hereinafter)：Change DCoin 100, DCoin 100' and DCoin 50
Owner, industrial and commercial bank's code of binding is changed to the wallet address of user, i.e. public key Hash, separately
Outside, public key also can be by user's sets itself；Record respective transaction flowing water；
Step 4. business bank：By DCoin 100, DCoin 100' and DCoin 50It is sent to user mobile phone,
Internal corresponding operating is completed, and successfully prompt message of merchandising is sent to user.
This flow is not only user's drawing flow, while being also the digital goods of a D-RMB
Flow of the coin from bank storehouse to user terminal, i.e., the field flow that circulates of legal digital cash.
Scene two：With cash redemption DCoin, for example user take 250 yuan of cashes to business bank (such as
Industrial and commercial bank site) exchange DCoin。
Step explanation：
Step 1. user submits 250 yuan of applications of cash to exchange phase to business bank such as industrial and commercial bank site
Answer the D of the amount of moneyCoin；
Step 2. business bank：Check cash, checking related legitimate (D in such as bank storehouseCoin
Whether cover), the book keeping operation of oneself built-in system is completed, D draws in storehouse in bankCoin 100, DCoin 100'
And DCoin 50；Sent and asked to Central Bank's D-RMB systems according to trading rules tissue relevant information；
Step 3. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100, DCoin 100' and DCoin 50Whether owner is industrial and commercial bank etc.), associative operation is performed,
Register：Change DCoin 100, DCoin 100' and DCoin 50Owner, by industrial and commercial bank's generation of binding
Code is changed to user's wallet address；Record respective transaction flowing water；
Step 4. business bank：By DCoin 100, DCoin 100' and DCoin 50It is sent to user mobile phone,
Internal corresponding operating is completed, and successfully prompt message of merchandising is sent to user.
On payment flow, it is illustrated below.Illustrate on-line payment flow first.
Process description：User is by mobile phone to other users (P2P) on-line payment flow.
Scene explanation：On-line payment, is related to account in full and pays and small change two kinds of scenes of payment.Payment
User 1 (cell-phone number 1) has digital cash DCoin 100, DCoin 100', DCoin 50, it is represented respectively gathers around
There are 100 yuans two and one 50 yuans, 250 yuans altogether, now need branch
200 yuans of gathering user 2 (cell-phone number 2) is paid, also needs to pay another gathering user
3 30 yuans of (cell-phone number 3).It is that account in full is paid that user 1, which pays user 2, and user 1
It is that small change is paid to pay user 3.Small change is paid can be as commodity money, and user 3 needs
There is DCoin 20, 50 yuan first are paid the bill to user 3 by user 1, then pay the bill 20 yuan to use by user 3
Family 1, i.e., paid by account in full twice and realized, or by user 1 first to D-RMB systems Shen
Please change exchange, then by after exchange change selection combination account in full pay user 3
Step illustrates (account in full payment)：
Step 1. payment user 1 logs in cell-phone customer terminal APP, and selection function " payment " is defeated
Enter：Payment Amount (such as 200 yuan), payee's cell-phone number (such as cell-phone number 2) clicks on " hair
Send ".
Step 2. cell-phone customer terminal (i.e. cell-phone customer terminal is performed, similarly hereinafter)：It is automatic to choose total gold
Volume is 200 yuan of digital cash DCoin 100'、DCoin 100, sent out according to trading rules tissue relevant information
It is sent to business bank's D-RMB systems.
Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100'、DCoin 100Legitimacy, whether dealing money is consistent with digital cash value of money, user 2 is
It is no for registered user etc.), perform corresponding operating, and according to trading rules reorganize message to
Central Bank's D-RMB systems send request；
Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100, DCoin 100' whether owner be user 1 etc.), perform associative operation, Register：Become
More DCoin 100, DCoin 100' owner, the wallet address of user 1 of binding is changed to the wallet address of user 2；
Record respective transaction flowing water；
Step 5. business bank：Send DCoin 100'、DCoin 100To the mobile phone of user 2, and respectively to
The successful prompt message of transaction is sent on user 1 and the mobile phone of user 2.
Step explanation (change is paid after exchanging)：
The login cell-phone customer terminal APP of step 1. user 1, selection function " it is whole to change zero ", and select
Change presenting bank (such as industrial and commercial bank) is selected, is inputted：Redemption amount (such as 50 yuan), face amount
It is required that (such as 20 yuan two pieces, 10 yuan one piece)；Click on " transmission "；
Step 2. cell-phone customer terminal：The automatic digital cash for choosing 50 yuan, such as DCoin 50, according to
Trading rules tissue relevant information, and it is sent to firm's D-RMB systems；
Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 50Whether legitimacy, dealing money is consistent with digital cash value of money), corresponding operating is performed,
Bank storehouse：Receive DCoin 50, draw DCoin 20、DCoin 20'、DCoin 10；And according to trading rules again group
Knit message and send request to Central Bank's D-RMB systems；
Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 20、DCoin 20'、DCoin 10And DCoin 50Whether owner is legal etc.), associative operation is performed, is stepped on
Note center：Change DCoin 20、DCoin 20'、DCoin 10And DCoin 50Owner, by DCoin 50The hand of binding
Machine number 1 is changed to industrial and commercial bank's code, DCoin 20、DCoin 20'、DCoin 10Industrial and commercial bank's code of binding
It is changed to the wallet address of user 1；Record respective transaction flowing water；
Step 5. business bank：Send DCoin 20、DCoin 20'、DCoin 10Onto the mobile phone of user 1, and
Send transaction successful information.
It is that account in full is paid to the payment flow of user 3, i.e.,：
Step 6. payment user 1 logs in cell-phone customer terminal APP, and selection function " payment " is defeated
Enter：Payment Amount (such as 30 yuan), payee's cell-phone number (such as cell-phone number 3) clicks on " hair
Send ".
Step 7. cell-phone customer terminal：It is automatic to choose the digital cash D that total amount is 30 yuanCoin 20With
And DCoin 10, business bank's D-RMB systems are sent to according to trading rules tissue relevant information.
Step 8. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 20、DCoin 10Legitimacy, whether dealing money is consistent with digital cash value of money, user 3 whether
For registered user etc.), corresponding operating is performed, and message is reorganized to centre according to trading rules
Row D-RMB systems send request；
Step 9. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 20、DCoin 10Whether owner is user 1 etc.), perform associative operation, Register：Change
DCoin 20、DCoin 10Owner, the wallet address of user 3 is changed to by the wallet address of user 1 of binding；Note
Picture recording answers transaction journal；
Step 10. business bank：Send DCoin 20、DCoin 10To the mobile phone of user 3, and respectively to
The successful prompt message of transaction is sent on family 1 and the mobile phone of user 3.
Illustrate offline electronic payment flow below.In the offline branch defined in stagewise D-RMB systems
Pay and still refer to that near field is paid, in the payment process of near field, recipient needs online confirmation afterwards
Gathering.That is, during offline electronic payment, gathering user is to the D that receivesCoinIt was able to verify that at that time
The true and false of digital cash, but still need to DCoinIt is made whether that the checking for repeating to pay confirms.System can
Make following design：The D of payment verification need to be repeatedCoinIn client electronic wallet program (such as mobile phone
APP " payment verification to be repeated " is designated in), mobile phone A PP once detects network, just
Carry out repeating payment verification application from the D-RMB systems of trend business bank.Business bank
D-RMB systems receive checking application and perform corresponding forwarding operation, and in the D-RMB systems of Central Bank
Tong Zhong Register amended record transaction journal, updates DCoinOwner.If payee is not D-RMB systems
The registered user of system, system can also record the withdrawal password that payee reserves, and will make specific below
Explanation.
Scene explanation：Whether it is registered user according to gathering user, is divided to two kinds of scene discussion.Pay
Money user 1 (cell-phone number 1) has digital cash DCoin 100, DCoin 100', DCoin 50, it is represented respectively
Possess 100 yuans two and one 50 yuans, 250 yuans altogether, now need
Offline electronic payment also needs offline electronic payment to another to 200 yuans of the user 2 (cell-phone number 2) that collects money
One 50 yuans of gathering user 3 (cell-phone number 3).Wherein, user 2 is business bank D-RMB
The registered user of system, and user 3 does not register, and is only to be loaded with commercial silver about 3 in mobile phone
Row D-RMB clients.
Step illustrates (requestee and payee are registered users)：
Step 1. payment user 1 logs in cell-phone customer terminal APP, and selection function is " to registered user
Offline electronic payment ", input：Payment Amount (such as 200 yuan), payee's cell-phone number (such as mobile phone
Number 2), " payment " is clicked on；
The cell-phone customer terminal of step 2. user 1：Choose the digital cash D that total amount is 200 yuanCoin 100'、
DCoin 100, NFC modes are paid near field according to trading rules tissue relevant information and are sent to mobile phone 2.
To payee's cell-phone number, D before NFC transmissionCoinDeng pertinent transaction information by paying the bill user's
IBC private keys are signed, and transmission is encrypted with the cell-phone number of payee.
The cell-phone customer terminal of step 3. user 2：Trading rules and relevant information are understood, checking is related
Legitimacy (such as DCoin 100'、DCoin 100Whether legitimacy, dealing money is consistent), treat online shape
Contain D by what is signed with payment user 1 under stateCoinPayment transaction information reports business bank
D-RMB systems；
Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100'、DCoin 100Legitimacy, whether dealing money is consistent with digital cash value of money, user 2 is
It is no for registered user etc.), perform corresponding operating, and according to trading rules reorganize message to
Central Bank's D-RMB systems send request；
Step 5. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100, DCoin 100' whether owner be user 1 etc.), perform associative operation, Register：Become
More DCoin 100, DCoin 100' owner, the wallet address of user 1 of binding is changed to the wallet address of user 2；
Record respective transaction flowing water；
Step 6. business bank：Respectively to transmission transaction prompt letter on user 1 and the mobile phone of user 2
Breath.D in the mobile phone of user 2Coin 100'、DCoin 100State it is normal.
Step illustrates (payee is nonregistered user)：
Step 1. payment user 1 logs in cell-phone customer terminal APP, and selection function " is used to non-registered
Family offline electronic payment ", input：Payment Amount (such as 50 yuan), payee's cell-phone number (such as mobile phone
Number 3) the pin codes (being inputted by user 3, to prove remittee's identity use) that, payee stays,
Click on " transmission "；
The cell-phone customer terminal of step 2. user 1：Choose the digital cash D that total amount is 50 yuanCoin 50,
NFC modes are paid near field according to trading rules tissue relevant information and are sent to mobile phone 3.
The cell-phone customer terminal of step 3. user 3：Trading rules and relevant information are understood, checking is related
Legitimacy (such as DCoin 50Whether legitimacy, dealing money is consistent), it is automatic under on line state
Will be with payment user's signature, containing DCoinThe relevant letter of payment transaction information and personal reserving cipher
Breath reports business bank's D-RMB systems；
Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 50Legitimacy, whether dealing money is consistent with digital cash value of money, whether user 3 is registration
User etc.), corresponding operating is performed, and message is reorganized to Central Bank D-RMB according to trading rules
System sends request；
Step 5. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 50Whether owner is user 1 etc.), associative operation is performed, the password of payee is left, steps on
Note center：Change DCoin 50Owner, by the wallet address of user 1 of binding with being changed to the wallet of user 3
Location；Record respective transaction flowing water；
Step 6. business bank：Prompt message is sent to both sides.
User 3 can be with oneself reserving cipher to business bank or ATM cash withdrawal, and flow is same to cash stream
Journey.
Only allow off-line trading of user defined in D-RMB systems.That is, selection function " to
During nonregistered user offline electronic payment ", it is last offline that cell-phone customer terminal judges whether user receives
The prompting letter that business bank in step 6 during above-mentioned offline electronic payment step illustrates during transaction sends
Breath, if not receiving, illustrates that last time offline electronic payment is not fully finished, and now cell-phone customer terminal is refused
User's selection function " to nonregistered user offline electronic payment ", and continue waiting for above-mentioned offline branch
Pay and complete, then just allow user's selection function " to nonregistered user offline electronic payment ", so
Help avoid a large amount of offline electronic payments of malice.
During offline electronic payment, on small change problem, because being complete simulation issue by denomination,
, can be with small change then such as cash transaction.If digital cash is issued according to least unit, no
There are problems that small change.
It is illustrated below for deposit and cash flows.
Process description：User is by DCoinDeposit Bank Account Number converts to cash in kind.
Scene explanation：The D that user's (cell-phone number 1) has cell-phone customer terminalCoin 100Convert to
100 yuan of cash in kind, by the D on cell-phone customer terminalCoin 100' in user industrial and commercial bank B accounts
Deposit 100 yuan.
Step illustrates (cashing)：
Step 1. User logs in cell-phone customer terminal APP, selection function " is cashed ", input：Convert
Amount in cash (such as 100 yuan), is clicked on " transmission "；If user is nonregistered user, also need
Input withdrawal password；
Step 2. cell-phone customer terminal：It is automatic to choose the digital cash D that the amount of money is 100 yuanCoin 100,
Business bank's D-RMB systems are sent to according to trading rules tissue relevant information；
Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100Legitimacy, whether dealing money is consistent with digital cash value of money, whether user is that registration is used
Family etc.), corresponding operating is performed, and message is reorganized to Central Bank D-RMB according to trading rules
System sends request；
Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100Whether owner is wallet address of user 1 etc.), system generation one-off recognition code (is withdrawn the money
With), perform associative operation, Register：Change DCoin 100Owner, by the user 1 of binding
Wallet address is changed to Central Bank's code, records respective transaction flowing water；Floatation treasury：Receive DCoin 100；To business
The disposable code of industry bank D-RMB system feedbacks and other relevant informations；
Step 5. business bank：To the disposable code of user feedback and prompt message；
Step 6. user is with disposable identification code on mobile phone to any ATM, business bank's enchashment；
Step 7. is by taking user to business bank's cabinet face enchashment as an example, business bank's cabinet face input user
The one-off recognition code of offer and the Routing Number of oneself, send transaction information to Central Bank D-RMB
System, system carries out condition judgment according to one-off recognition code, to D if verification passes throughBankAccount
Family, which carries out the amount of money, increases by 100 yuan of book keeping operations.And correlated results is fed back into business bank；
Step 8. business bank DBankIn account the amount of money increase by 100 yuan after, pay for it in cash face to face to
Family.
Such as cashed on ATM, then in above-mentioned step 7, user is defeated on ATM
Enter one-off recognition code and the Routing Number of oneself, ATM sends transaction information to Central Bank
D-RMB systems, system carries out condition judgment according to one-off recognition code, right if verification passes through
DBankAccount, which carries out the amount of money, increases by 100 yuan of book keeping operations.And correlated results is fed back into ATM, ATM
Machine tells 100 yuan of paper money.
Certain business bank (such as industrial and commercial bank) user is also designed to herein only to limit in bailwick
Inside cash, it is specific as follows：
Step 1. User logs in cell-phone customer terminal APP (industrial and commercial D-RMB system clients),
Selection function " one's own profession is cashed ", input：The amount of money (such as 100 yuan) is cashed, is clicked on " transmission "；
Step 2. cell-phone customer terminal：It is automatic to choose the digital cash D that the amount of money is 100 yuanCoin 100,
Business bank's D-RMB systems are sent to according to trading rules tissue relevant information；
Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100Legitimacy, whether dealing money is consistent with digital cash value of money, whether user is that registration is used
Family etc.), system generation one-off recognition code (withdraw the money and use) performs corresponding operating, bank storehouse：
Receive DCoin 100；And message is reorganized to Central Bank's D-RMB systems transmission request according to trading rules；
Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100Whether owner is wallet address of user 1 etc.), perform associative operation, Register：Become
More DCoin 100Owner, business bank's code is changed to by the wallet address of user 1 of binding, records phase
Answer transaction journal；Business bank D-RMB system feedback Transaction Informations；
Step 5. business bank：To the disposable code of user feedback and prompt message；
Step 6. user with any ATM belonging to disposable identification code to industrial and commercial bank on mobile phone,
Site enchashment；
Step 7. is by taking user to industrial and commercial bank's cabinet face enchashment as an example, and the one of cabinet face input user's offer
Secondary property identification code, one's own profession D-RMB systems find it is corresponding cash record, carry out necessary condition
Verification, if verification passes through, performs associative operation, print corresponding strip and pay for it in cash face to face to
User.
Step illustrates (deposit)：
Step 1. User logs in cell-phone customer terminal APP, selection function " deposit ", input：Work
Business's Bank Account Number BAccount、DCoinThe amount of money (such as 100 yuan), is clicked on " transmission "；
Step 2. cell-phone customer terminal：It is automatic to choose the digital cash D that the amount of money is 100 yuanCoin 100',
Business bank's D-RMB systems are sent to according to trading rules tissue relevant information；
Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100' legitimacy, whether dealing money is consistent with digital cash value of money, whether user is that registration is used
Family etc.), perform corresponding operating, bank storehouse：Receive DCoin 100'；And according to trading rules again group
Knit message and send request to Central Bank's D-RMB systems；
Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100Whether owner is wallet address of user 1 etc.), perform associative operation, Register：Become
More DCoinOwner, business bank's code is changed to by the wallet address of user 1 of binding, records respective quadrature
Easy flowing water；Feedback trading information；
Step 5. business bank：To user BAccountAccount, which carries out the amount of money, increases by 100 yuan of book keeping operations.And
By correlated results feedback user mobile phone；
Step 6. cell-phone customer terminal：Prompting is merchandised successfully.
It is illustrated below for repeat business detection.In the case of online transaction, D-RMB systems
Pass through DCoinCarry out anti-repeat business with user account binding mode.Register in D-RMB systems
There is a right registration table, record sheet pattern can be designed such as table 1：
Table 1
| Digital cash name | Owner | Remarks |
| Pbc100adfkl09987766670 | 138xxxxx 001 | DCoin 100 |
| …… | …… | …… |
| Pbc50cadfkl09987766670 | 137xxxxx 002 | DCoin 50 |
User 1 (cell-phone number 138xxxxx001) is to user 2 (cell-phone number 138xxxxx002)
Pay DCoin 100During, D-RMB systems Register right registration table：Change DCoin 100It is right
Owner is answered, owner's field Central Plains cell-phone number 138xxxxx001 wallet address is changed to mobile phone
Number 138xxxxx002 wallet address, if user 1 still wants to use DCoin 100To other user's branch
Pay, now its owner has not been user 1, it is impossible to complete to pay, prevent from repeating to pay with this.
If Register's right registration table represents owner with public key Hash in D-RMB systems,
Then Register's right registration table can be designed such as table 2：
Table 2
Assuming that H (138xxxxx001) value is 1Xadcfdgdadg, H (138xxxxx002) value is
2xcfdald3xgdf, user 1 (cell-phone number 138xxxxx001) is to (the cell-phone number of user 2
138xxxxx002) pay DCoin 100During, D-RMB systems Register right registration table：
Change DCoin 100Correspondence owner, 1Xadcfdgdadg in owner's field is changed to
2xcfdald3xgdf, if user 1 still wants to use DCoin 100Paid to other users, now its owner
It has not been user 1, it is impossible to complete to pay, has prevented 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.
The transaction that we set simultaneously is small amount payment (being less than 1000 yuan), for individual's use
Family is an acceptable scope, and using mechanism of calling to account afterwards, record of bad behavior will be recorded
Enter credit investigation system to discipline as a warning.
Above is using user mobile phone as terminal mode, using cell-phone number as identity, to behaviour
Make the elaboration that D-RMB miscellaneous service flow is done.IC-card is carried for digital cash again below
The operation flow of body is illustrated by.
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, carry out face
The transaction of opposite 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 SD card form are (i.e. built-in to pacify
Full SD card), mobile phone-SIM card form.In addition mobile phone-cloud SE forms can also be used as D-RMB
Carrier, and be not limited to chip card.D is briefly described with reference to concrete sceneCoinExtraction, disappear
Take, the flow such as storage, and refer in corresponding scene applicable D-RMB chip cards form (with
It is lower that all D-RMB chip cards forms above-mentioned are referred to using " holotype state ").
(1) 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.
(2) flow is extracted
Process description：The assets of cash in kind or its bank account are converted to D by userCoinWrite-in
In card.Extract for the first time and D-RMB chip card application processes, following description are also included in flow
Some flows, scene and step after user's card drawing.
With cash withdrawal DCoinActually namely DCoinExchange, be been described by below.
Process description：User takes cash withdrawal D in kindCoinTo D-RMB chip cards
Scene explanation：With cash redemption DCoin, such as user is by 250 yuan of cashes to ATM or business
Bank counter (such as industrial and commercial bank site) exchanges DCoin, explanation is deployed so that cabinet face is operated as an example.
It is applicable D-RMB chip card forms：Holotype state
Step explanation：
Step 1. user submits D-RMB chip cards and cash to business bank such as industrial and commercial bank site
250 yuan require that the D of the corresponding amount of money is exchanged in applicationCoin；
Step 2. business bank：Check cash, checking related legitimate (D in such as bank storehouseCoin
Whether cover), the book keeping operation of oneself built-in system is completed, D draws in storehouse in bankCoin 100, DCoin 100'
And DCoin 50；Sent and asked to Central Bank's D-RMB systems according to trading rules tissue relevant information；
Step 3. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100, DCoin 100' and DCoin 50Whether owner is industrial and commercial bank etc.), associative operation is performed,
Register：Change DCoin 100, DCoin 100' and DCoin 50Owner, by industrial and commercial bank's generation of binding
Code is changed to the corresponding wallet address of D-RMB chip cards；Record respective transaction flowing water；
Step 4. business bank：By DCoin 100, DCoin 100' and DCoin 50Write user D-RMB
Chip card, completes internal corresponding operating, successful print strip of merchandising.
ATM flows are substantially ibid.
Except cash in kind is converted into DCoin, can also be from user's bank account in write-in card
Transfer accounts, extract DCoinTo D-RMB chip cards.It is illustrated below.
Process description：User is from BAccountIn transfer accounts extraction DCoinTo D-RMB chip cards.
It is applicable D-RMB chip card forms：Holotype state
Scene explanation：User is from industrial and commercial bank account BAccountIn transfer accounts extraction 250 yuan of DCoinArrive
D-RMB chip cards, it can be operated the silver of oneself by business bank's cabinet face, ATM etc.
Row account BAccountTurn 250 yuan and be extracted as DCoinWrite in D-RMB chip cards.Different channel read-writes
Card apparatus is different, and substantially flow is identical, is not illustrated one by one here, is only grasped with bank counter
Illustrated as example.
Step explanation：
Step 1. user：250 yuan of extraction D are proposed to business bank's cabinet face tellerCoinApplication, is carried
Bank card and D-RMB chip cards are handed over, relevant document is filled in, B is inputtedAccountAccount password；
Step 2. business bank：Related legitimate is verified, account password, user's fund is such as veritified
Account is BAccountWhether remaining sum covers, D in bank storehouseCoinWhether cover；Check and pass through rear BAccount NumberWithhold 250 yuan, D draws in storehouse in bankCoin 100, DCoin 100' and DCoin 50；According to trading rules group
Knit relevant information and send request to Central Bank's D-RMB systems；
Step 3. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100, DCoin 100' and DCoin 50Whether owner is industrial and commercial bank etc.), associative operation is performed,
Register：Change DCoin 100, DCoin 100' and DCoin 50Owner, by industrial and commercial bank's generation of binding
Code is changed to the wallet address of D-RMB chip cards；Record respective transaction flowing water；
Step 4. business bank：By DCoin 100, DCoin 100' and DCoin 50Write user D-RMB
Chip card, completes internal corresponding operating, successful print strip of merchandising.
This flow is not only user's drawing flow, while being also the digital goods of a D-RMB
Flow of the coin from bank storehouse to user terminal, i.e., the field flow that circulates of legal digital cash.
The payment flow based on D-RMB chip cards is illustrated below.User holds D-RMB
Chip card payment transactions, can hold to consume in businessman's POS of networking, can hold
Card is paid to online mobile phone, and also support card (is paid) in online payment consumption on line.
Off line POS is paid, to the mobile-phone payment of no signal in addition, also being held under offline scenario,
Support card to card payment.These payment process can also be subdivided into account in full and pay and small change payment,
It will illustrate one by one below.
Process description：The online payment in businessman's POS of D-RMB chip cards.
Scene explanation：On-line payment is also named in online payment, is related to account in full and is paid and small change payment two
Plant scene.For example payment user D-RMB chip cards 1 have digital cash DCoin 100, DCoin 100',
DCoin 50, it is represented respectively and possesses 100 yuans two and one 50 yuans, is amounted to
250 yuans, now need to pay 200 yuans of gathering businessman user 2 (POS 2),
Also need to pay another 30 yuans of gathering businessman user 3 (POS 3).Assuming that POS
Machine businessman user is industrial and commercial bank client.User D-RMB chip cards 1 pay POS 2
It is that account in full is paid, it is that small change is paid that user 1, which pays POS 3,.Small change is paid can be with reality
Thing currency is the same, and POS 3 is if any DCoin 20, first can be paid the bill by user D-RMB chip cards 1
50 yuan are given businessman's POS 3, then pay the bill 20 yuan to user's D-RMB cores by businessman's POS 3
Piece card 1, i.e., by account in full twice pay realize (if digital cash is issued according to least unit,
Small change problem is then not present), or by user D-RMB chip cards 1 first to D-RMB systems
System application change is exchanged, then pays businessman's POS by the change selection combination account in full after exchange
3。
It is applicable D-RMB chip card forms：Holotype state, including mobile phone.
Step illustrates (account in full payment)：
Step 1.POS machines 2：200 yuan of spending amount is inputted in POS；
Step 2.D-RMB chip cards 1：Communicated by wave points such as NFC with POS,
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；
Step 3.POS machines 2：Receive DCoin 100'、DCoin 100, related legitimate inspection is carried out, as before
Step card tests D-RMB and judges whether the amount of money is enough etc., according to trading rules tissue relevant information
It is sent to business bank's D-RMB systems；
Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100'、DCoin 100Whether legitimacy, dealing money is consistent with digital cash value of money), perform
Corresponding operating, and please to Central Bank's D-RMB systems transmission according to trading rules reorganization message
Ask；
Step 5. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100, DCoin 100' whether owner be D-RMB chip cards 1 etc.), associative operation is performed, is stepped on
Note center：Change DCoin 100, DCoin 100' owner, by the wallet of D-RMB chip cards 1 of binding
Location is changed to the corresponding merchant code of POS 2；Record respective transaction flowing water；
Step 6. business bank：Send DCoin 100'、DCoin 100To POS 2, transmission is merchandised into
The prompt message of work(.
Step 7.POS machines 2：Strip is beaten, transaction is completed.
Simulation businessman receives cash process in kind completely above, is deposited in the process in POS 2
Put DCoin.This process is automatic by D it can also be designed to businessmanCoinDump to settlement accounts.It is specific as follows：
Step 1.POS machines 2：200 yuan of spending amount is inputted in POS；
Step 2.D-RMB chip cards 1：Communicated by wave points such as NFC with POS,
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；
Step 3.POS machines 2：Related legitimate inspection is carried out, step card tests D-RMB simultaneously as before
Judge that whether the amount of money is enough etc., and business bank is sent to according to trading rules tissue relevant information
D-RMB systems；
Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100'、DCoin 100Whether legitimacy, dealing money is consistent with digital cash value of money), perform
Receive D in corresponding operating, bank storehouseCoin 100'、DCoin 100, and according to trading rules reorganize message to
Central Bank's D-RMB systems send request；
Step 5. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100, DCoin 100' whether owner be D-RMB chip cards 1 etc.), associative operation is performed, is stepped on
Note center：Change DCoin 100, DCoin 100' owner, by the wallet of D-RMB chip cards 1 of binding
Location is changed to the corresponding business bank's code of Merchant ID；Record respective transaction flowing water；
Step 6. business bank：The amount of money in businessman's user's Bank Account Number is increased into 200 yuan, feedback
Relevant information；
Step 7.POS machines 2：Strip is beaten, transaction is completed.
Step illustrates (change exchange)：
Step 1.POS machines 3：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 "；
Step 2.D-RMB chip cards and POS 3：The automatic digital cash for choosing 50 yuan is such as
DCoin 50, according to trading rules tissue relevant information, and it is sent to business bank's D-RMB systems；
Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 50Whether legitimacy, dealing money is consistent with digital cash value of money), corresponding operating is performed,
Bank storehouse：Receive DCoin 50, draw DCoin 20、DCoin 20'、DCoin 10；And according to trading rules again group
Knit message and send request to Central Bank's D-RMB systems；
Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 20、DCoin 20'、DCoin 10And DCoin 50Whether owner is legal etc.), associative operation is performed, is stepped on
Note center：Change DCoin 20、DCoin 20’、DCoin 10And DCoin 50Owner, by DCoin 50Binding
The wallet address of D-RMB chip cards 1 is changed to industrial and commercial bank's code, DCoin 20、DCoin 20'、DCoin 10
Industrial and commercial bank's code of binding is changed to the wallet address of D-RMB chip cards 1；Record respective transaction
Flowing water；
Step 5. business bank：Send DCoin 20、DCoin 20'、DCoin 10D-RMB is write to POS 3
Chip card 1, sends transaction successful information.
Other transaction flows are paid with account in full.I.e.：
Step 6.POS machines 3：30 yuan of spending amount is inputted in POS；
Step 7.D-RMB chip cards 1：Communicated by wave points such as NFC with POS,
It is automatic to choose the digital cash D that the amount of money is 30 yuanCoin 20、DCoin 10；It is sent to POS；
Step 8.POS machines 3：Receive DCoin 20、DCoin 10, related legitimate inspection is carried out, it is such as preliminary
Test card to test D-RMB and judge whether the amount of money is enough etc., sent out according to trading rules tissue relevant information
It is sent to business bank's D-RMB systems；
Step 9. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 20、DCoin 10Whether legitimacy, dealing money is consistent with digital cash value of money), perform phase
It should operate, and message is reorganized according to trading rules and be asked to Central Bank's D-RMB systems transmission；
Step 10. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 20、DCoin 10Whether owner is D-RMB chip cards 1 etc.), perform associative operation, registration
Center：Change DCoin 20、DCoin 10' owner, the wallet address of D-RMB chip cards 1 of binding is changed
For the corresponding merchant code of POS 3；Record respective transaction flowing water；
Step 11. business bank：Send DCoin 20、DCoin 10To POS 3, transmission is merchandised successfully
Prompt message.
Step 12.POS machines 3：Strip is beaten, transaction is completed.
Program linkage processing is may be designed as more than in concrete application program development process.
Process description：Visual D-RMB chip cards on-line payment on mobile phone.
Scene explanation：The payment visual D-RMB chip cards 1 of user have digital cash DCoin 100, DCoin 100', DCoin 50, it is represented respectively possesses 100 yuans two and one 50 yuans,
250 yuans altogether, now need to pay 200 yuans of gathering user 2 (mobile phone 2).
It is applicable D-RMB chip card forms：Visual D-RMB chip cards
Step explanation：
Step 1.D-RMB chip cards 1：200 yuan of the amount of money is inputted, passes through the nothings such as bluetooth, NFC
Line technology and mobile communication, it is automatic to choose the digital cash D that the amount of money is 200 yuanCoin 100'、DCoin 100,
It is sent to mobile phone；
Step 2. mobile phone 2：Receive DCoin 100'、DCoin 100, related legitimate inspection is carried out, it is such as preliminary
Test card to test D-RMB and judge whether the amount of money is enough etc., sent out according to trading rules tissue relevant information
It is sent to business bank's D-RMB systems；
Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100'、DCoin 100Legitimacy, whether dealing money is consistent with digital cash value of money, mobile phone 2 is
It is no for registered user etc.), perform corresponding operating, and according to trading rules reorganize message to
Central Bank's D-RMB systems send request；
Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100'、DCoin 100Whether owner is D-RMB chip cards 1, dealing money whether with digital goods
Coin value of money is consistent), perform associative operation, Register：Change DCoin 100'、DCoin 100Owner,
The wallet address of D-RMB chip cards 1 of binding is changed to the wallet address of user 2；Record respective quadrature
Easy flowing water；
Step 5. business bank：To the feedback trading successful information of mobile phone 2, if D-RMB chips
Reserved in card application process and opened mobile phone reminding business, then simultaneously to D-RMB chip cards correspondence
Mobile phone sends transaction related information；
Step 6. mobile phone 2：To D-RMB chip card feedback trading OK, merchandise successfully.
Process description：Opened D-RMB chip cards on-line payment on mobile phone of mobile phone reminding.
Scene explanation：User D-RMB chip cards 1 of paying the bill reserve mobile phone in application process
Number and open SMS notification function, D-RMB chip cards 1 have digital cash DCoin 100, DCoin 100',
DCoin 50, it is represented respectively and possesses 100 yuans two and one 50 yuans, is amounted to
250 yuans, now need to pay 200 yuans of gathering user 2 (mobile phone 2).
It is applicable D-RMB chip card forms：Mobile phone, opened SMS remind service
D-RMB chip cards.
Step explanation：
Step 1. mobile phone 2：Selection function menu " other side's card is paid ", inputs payment 200
Member；
Step 2.D-RMB chip cards 1：By the wireless technologys such as bluetooth, NFC and mobile communication,
It is automatic to choose the digital cash D that the amount of money is 200 yuanCoin 100'、DCoin 100, it is sent to mobile phone；
Step 3. mobile phone 2：Receive DCoin 100'、DCoin 100, related legitimate inspection is carried out, it is such as preliminary
Test card to test D-RMB and judge whether the amount of money is enough etc., sent out according to trading rules tissue relevant information
It is sent to business bank's D-RMB systems；
Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
Whether D-RMB chip cards 1 have a corresponding SMS prompting function, dealing money whether with numeral
Currency value is consistent, and to strengthen air control management, can also add and be registered with D-RMB chip cards 1
The trade confirmation of mobile phone), perform corresponding operating, and according to trading rules reorganize message to
Central Bank's D-RMB systems send request；
Step 5. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100'、DCoin 100Whether owner is D-RMB chip cards 1, dealing money whether with digital goods
Coin value of money is consistent), perform associative operation, Register：Change DCoin 100'、DCoin 100Owner,
The wallet address of D-RMB chip cards 1 of binding is changed to the wallet address of user 2；Record respective quadrature
Easy flowing water；
Step 6. business bank：To the feedback trading successful information of mobile phone 2, to D-RMB chips
Card correspondence mobile phone sends transaction related information.
Flow is also designed to the confirmation that D-RMB chip cards correspondence mobile phone is participated in business herein,
Detail can be determined by business department.
Process description：D-RMB chip cards are paid on online line.
Scene explanation：Payment user D-RMB chip cards 1 have digital cash DCoin 100, DCoin 100',
And DCoin 50, it is represented respectively possesses 100 yuans two and one 50 yuans,
250 yuans altogether, surfed the Net now by personal terminal card reader or mobile phone on line, in net
Upper carry out online shopping, need to pay 250 yuans of businessman user of gathering.
Use D-RMB chip card forms：Holotype state
Step explanation：
Step 1. payment user：Commodity are selected in certain businessman's shopping website or APP, D is selectedCoin
Pay；
Step 2. businessman user：Call D-RMB systems to pay plug-in unit, obtain D-RMB chips
Card relevant information and the D in itCoin 100、DCoin 100'、DCoin 50, related legitimate inspection is carried out,
Step card tests D-RMB and judges that whether the amount of money is enough etc., includes according to trading rules tissue as before
Relevant information including merchant bank accounts information is sent to business bank's D-RMB systems；
Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100、DCoin 100'、DCoin 50Legitimacy, whether dealing money is consistent with digital cash value of money, business
Family Bank Account Number whether can with etc.), perform corresponding operating, bank storehouse：Receive DCoin 100、DCoin 100'、
DCoin 50, and message is reorganized to Central Bank's D-RMB systems transmission request according to trading rules；
Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100、DCoin 100'、DCoin 50Whether owner is D-RMB chip cards 1, dealing money whether with
Digital cash value of money is consistent), perform associative operation, Register：Change DCoin 100、DCoin 100' and DCoin 50Owner, trade company's account is changed to by the wallet address of D-RMB chip cards 1 of binding
Number corresponding bank of deposit's code；Record respective transaction flowing water；
Step 5. business bank：Increase the corresponding amount of money (250 yuan) in Merchant Account, notify
Trade company collects money successfully；
Step 6. businessman user：Payment transaction success, the delivery of line undertissue, relevant information on line
Feedback payment user；
If being related to small change operation, the POS on-line payment flows being described above are can refer to.
Above emphasis is described in the several typical application scenarios of on-line payment of D-RMB chip cards
Flow and specific steps, for the offline electronic payment of D-RMB chip cards, will be included in below from
The typical case such as offline electronic payment applied field between line POS, the mobile phone without network signal and card and card
Scape is described.
Offline electronic payment defined in D-RMB systems refers to that near field is paid, during this,
Recipient needs online confirmation gathering afterwards.As flow above, during offline electronic payment, receive
Money user is to the D that receivesCoinThe true and false of digital cash was able to verify that at that time, but was still needed to DCoinWhether enter
Went to repeat to pay and carry out background authentication.Its mentality of designing is：The D of payment verification need to be repeatedCoin
" payment verification to be repeated " is designated in client electronic wallet program (such as POS),
POS is once linked to network, just carries out repeating payment verification application from trend D-RMB systems.
D-RMB systems receive checking application and perform corresponding operating, in Register's amended record transaction journal,
Update DCoinOwner.Such as payee is not the registered user of D-RMB systems, and system can also be recorded
The withdrawal password that payee reserves, will be illustrated below.
Process description：D-RMB chip cards offline electronic payment in businessman's POS.
Scene explanation：Payment user D-RMB chip cards 1 have digital cash DCoin 100, DCoin 100',
And DCoin 50, it is represented respectively possesses 100 yuans two and one 50 yuans,
250 yuans altogether, now need to pay gathering businessman user 2 (POS 2) 200 yuan of people
People's coin, businessman user POS off-line state.
It is applicable D-RMB chip card forms：Holotype state, including mobile phone.
Step explanation：
Step 1.POS machines 2：Offline electronic payment is selected in POS, 200 yuan of spending amount is inputted；
Step 2.D-RMB chip cards 1：Communicated by wave points such as NFC with POS,
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；
Step 3.POS machines 2：Receive DCoin 100'、DCoin 100, related legitimate inspection is carried out, is such as tested
Card tests D-RMB and judges whether the amount of money is enough etc., closing the transaction face to face after verification passes through, printing
Strip.POS is once linked to network, and just from trend business bank, D-RMB systems are repeated
Payment verification application, D-RMB systems of business bank are sent to according to trading rules tissue relevant information
System；
Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100'、DCoin 100Whether legitimacy, dealing money is consistent with digital cash value of money), perform
Corresponding operating, and please to Central Bank's D-RMB systems transmission according to trading rules reorganization message
Ask；
Step 5. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100, DCoin 100' whether owner be D-RMB chip cards 1 etc.), associative operation is performed, is stepped on
Note center：Change DCoin 100'、DCoin 100Owner, by the wallet of D-RMB chip cards 1 of binding
Location is changed to the corresponding merchant code of POS 2；Record respective transaction flowing water；
Step 6. business bank：To the feedback validation successful information of POS 2.
Simulation businessman receives cash process in kind completely above, is deposited in the process in POS 2
Put DCoin.This process is automatic by D it can also be designed to businessmanCoinDump to settlement accounts.It is specific as follows：
Step 1.POS machines 2：Once networking, just according to trading rules by Transaction Information, receive
All DCoinThe relevant information such as information and businessman's user's Bank Account Number is sent automatically to business bank；
Step 2. business bank：Carry out related legitimate checking, bank storehouse：Receive DCoin 100, DCoin 100', Central Bank's D-RMB systems are sent to according to trading rules tissue relevant information；
Step 3. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoinWhether owner is D-RMB chip cards 1, and whether dealing money is consistent with digital cash value of money
Deng), perform corresponding operating.Register：Change DCoin 100'、DCoin 100Owner, by binding
The wallet address of D-RMB chip cards 1 is changed to the corresponding business bank's code of Merchant ID；Record phase
Answer transaction journal；
Step 4. business bank：The amount of money in businessman's user's Bank Account Number is increased into the corresponding amount of money, instead
Present relevant information；
Step 5.POS machines 2：Account strip is squeezed into, transaction is completed.
Process description：D-RMB chip cards offline electronic payment on mobile phone.
It is applicable D-RMB chip card forms：Visual D-RMB chip cards.
Scene explanation：Whether it is registered user according to gathering user, is divided to two kinds of scene discussion.Pay
The visual D-RMB chip cards 1 of money have digital cash DCoin 100, DCoin 100', DCoin 50, represent respectively
It possesses 100 yuans two and one 50 yuans, 250 yuans altogether, existing
Offline electronic payment is needed to gathering user 2 200 yuans of (cell-phone number 2), also need offline electronic payment to
Another 50 yuans of gathering user 3 (cell-phone number 3).Wherein, user 2 is D-RMB systems
The registered user of system, and user 3 does not register, and is only that D-RMB visitors are loaded with about 3 in mobile phone
Family end.
Illustrate (requestee and payee are registered users) to the offline electronic payment step of user 2：
Step 1.D-RMB chip cards：Input Payment Amount (such as 200 yuan), by bluetooth,
The wireless technologys such as NFC and mobile communication, it is automatic to choose the digital cash D that the amount of money is 200 yuanCoin 100'
And DCoin 100, it is sent to mobile phone；
The cell-phone customer terminal of step 2. user 2：Trading rules and relevant information are understood, checking is related
Legitimacy (such as DCoin 100'、DCoin 100Whether legitimacy, dealing money is consistent), after when
Face closing the transaction.Treat containing for being signed with payment user D-RMB chip cards 1 under on line state
DCoinPayment transaction information reports business bank's D-RMB systems, and (Terminal Design can automatically network and test
Card)；
Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100'、DCoin 100Whether legitimacy, dealing money is consistent with digital cash value of money), perform
Corresponding operating, and please to Central Bank's D-RMB systems transmission according to trading rules reorganization message
Ask；
Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100, DCoin 100' whether owner be D-RMB chip cards 1 etc.), associative operation is performed, is stepped on
Note center：Change DCoin 100'、DCoin 100Owner, by the wallet of D-RMB chip cards 1 of binding
Location is changed to the wallet address of user 2；Record respective transaction flowing water；
Step 5. business bank：Information alert is sent to be proved to be successful.
Illustrate (payee is nonregistered user) to the offline electronic payment step of user 3：
The cell-phone customer terminal of step 1. user 3：Cell-phone customer terminal APP is logged in, selection function is " non-
Registered user collects money offline ", input：The pin that collection amount (such as 50 yuan), payee stay
Code (is inputted, to prove remittee's identity use) by user 3, is clicked on " beginning Card Reader "；
Step 2.D-RMB chip cards：Input Payment Amount (such as 50 yuan), by bluetooth,
The wireless technologys such as NFC and mobile communication, it is automatic to choose the digital cash D that the amount of money is 50 yuanCoin 50,
Start and mobile communication；
The cell-phone customer terminal of step 3. user 3：Trading rules and relevant information are understood, checking is related
Legitimacy (such as DCoin 50Whether legitimacy, dealing money is consistent), transaction is tied face to face after
Beam.Automatically will be with payment D-RMB chip card signatures, containing D under on line stateCoinPay and hand over
Easy information and personal reserving cipher report business bank's D-RMB systems for information about；
Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 50Whether legitimacy, dealing money is consistent with digital cash value of money), corresponding operating is performed,
And message is reorganized to Central Bank's D-RMB systems transmission request according to trading rules；
Step 5. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 50Whether owner is D-RMB chip cards 1 etc.), perform associative operation, Register：
To DCoinOwner is updated, and leaves the password of payee；Record respective transaction flowing water；
Step 6. business bank：Information alert is sent to be proved to be successful and note taking good care of password.Receive
Money people need to show oneself cell-phone number and correct reserving cipher when cashing.
Process description：Offline electronic payment of the D-RMB chip cards to D-RMB chip cards.
It is applicable D-RMB chip card forms：Visual D-RMB chip cards.
Scene explanation：Visual D-RMB chip cards 1 of paying the bill have digital cash DCoin 100, DCoin 100',
And DCoin 50, it is represented respectively possesses 100 yuans two and one 50 yuans,
250 yuans altogether, offline electronic payment is now needed to the visual RMB of gathering D-RMB chip cards 2
200 yuan.
Step 1.D-RMB chip cards 1：Input Payment Amount (such as 200 yuan), by bluetooth,
The wireless technologys such as NFC and mobile communication, it is automatic to choose the digital cash D that the amount of money is 200 yuanCoin 100'
And DCoin 100, it is sent to D-RMB chip cards 2；
Step 2.D-RMB chip cards 2：Trading rules and relevant information are understood, checking is mutually closed
Method (such as DCoin 100'、DCoin 100Whether legitimacy, dealing money is consistent), pass through rear display
Collection amount 200, face to face closing the transaction.Treat under on line state (such as by personal terminal card reader
Networking) contain D by what is signed with payment user D-RMB chip cards 1CoinIn payment transaction information
Report business bank's D-RMB systems；
Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100'、DCoin 100Whether legitimacy, dealing money is consistent with digital cash value of money), perform
Corresponding operating, and please to Central Bank's D-RMB systems transmission according to trading rules reorganization message
Ask；
Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100, DCoin 100' whether owner be D-RMB chip cards 1 etc.), associative operation is performed, is stepped on
Note center：The corresponding flowing water of afterthought, updates DCoin 100'、DCoin 100Owner, by the D-RMB of binding
The wallet address of chip card 1 is changed to the wallet address of D-RMB chip cards 2；
Step 5. business bank：Information alert is sent to be proved to be successful and write D-RMB chip cards 2
Upper DCoinState is to be verified and can normally use.
On the small change problem during offline electronic payment, because being complete simulation issue by denomination, then
Such as cash transaction, small change can be realized by two-way account in full Payment under the conditions of having change.
If digital cash is issued according to least unit, in the absence of small change problem.
Deposit flow is illustrated again below.
Process description：User is by D in D-RMB chip cardsCoinIt is stored in Bank Account Number.
It is applicable D-RMB chip card forms：Holotype state
Scene explanation：The D-RMB chip cards 1 of user have digital cash DCoin 100, DCoin 100',
DCoin 50, it is represented respectively and possesses 100 yuans two and one 50 yuans, is amounted to
250 yuans, it can pass through business bank's cabinet face, ATM, Web bank or mobile phone silver
Row is operated DCoinStore the bank account B of oneselfAccountIn, different channel card-reading apparatus are different,
Substantially flow is identical, is not illustrated one by one here, and step explanation is carried out only by taking ATM as an example.
Step explanation：
Step 1. user inserts bank card and D-RMB chip cards (ATM into ATM
Also support to wave card operation, so can also support the D-RMB chip cards of mobile phone-XX forms),
Select D-RMB deposit business；
Step 2.ATM machines：Point out user input amount deposited；
Step 3. user：250 yuan of amount deposited is inputted, and clicks on determination；
Step 4.ATM machines：ATM takes out D out of D-RMB chip cardsCoin 100、DCoin 100'、
DCoin 50, and the true and false and owner are verified, after being verified, by bank's card number and DCoin 100、DCoin 100' and DCoin 50Bank card is sent to according to trading rules tissue relevant information to open an account business bank
D-RMB systems；
Step 5. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100、DCoin 100'、DCoin 50Legitimacy, bank card legitimacy, dealing money whether with digital goods
Coin value of money is consistent), perform corresponding operating, bank storehouse：Receive DCoin 100、DCoin 100'、DCoin 50,
And message is reorganized to Central Bank's D-RMB systems transmission request according to trading rules；
Step 6. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100、DCoin 100'、DCoin 50Whether owner is D-RMB chip cards 1 etc.), perform related behaviour
Make, Register：Update DCoin 100、DCoin 100'、DCoin 50Owner, by the D-RMB cores of binding
The wallet address of piece card 1 is changed to correspondence business bank code；The related flowing water of record；
Step 7. business bank：Increase by 250 yuan in the B accounts of user；Feedback-related information；
Step 8.ATM machines：Prompting deposit is completed, and asks user to fetch bank card and D-RMB
Chip card.
Cash flows are illustrated again below.
Process description：User is by D in D-RMB chip cardsCoinConvert to cash in kind.
It is applicable D-RMB chip card forms：Holotype state
Scene explanation：The D-RMB chip cards 1 of user have digital cash DCoin 100, DCoin 100',
DCoin 50,
It is represented respectively possesses 100 yuans two and one 50 yuans, altogether 250
Yuan, it can be by business bank's cabinet face, ATM application by DCoinConvert in kind existing
Gold, now carries out step explanation so that ATM exchanges 100 yuan notes as an example.
Step explanation：
D-RMB chip cards are inserted ATM by step 1. user, (ATM also supports that waving card operates,
So can also support the D-RMB chip cards of mobile phone-XX forms) selection exchange for ready money business,
It is 100 yuan to input redemption amount；
Step 2.ATM and D-RMB chip card：The automatic amount of money of choosing is 100 yuan of digital cash
DCoin 100, business bank's D-RMB systems are sent to according to trading rules tissue relevant information；
Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100Whether legitimacy, dealing money is consistent with digital cash value of money), corresponding operating is performed,
Bank storehouse：Receive DCoin 100, and message is reorganized to Central Bank's D-RMB systems according to trading rules
Send request；
Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as
DCoin 100Whether owner is D-RMB chip cards 1 etc.), perform associative operation, Register：
Update DCoin 100Owner, correspondence commercial silver is changed to by the wallet address of D-RMB chip cards 1 of binding
Line code；The related flowing water of record；
Step 5. business bank：Feedback-related information；
Step 6.ATM：Counting, which is told, gives the yuan note of user 100；Retract completion transaction.
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 3：
| 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.
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, compared with card base scheme, Account Dept
Administration's facility, user's simple operation is good, be more easy to promote.
Consider from lower deployment cost, phone solution eliminates the hair fastener link of issuer, reduced
System deployment cost.
Consider from security, if phone solution uses the scheme based on hardware SE, its safety
Property be equal to card base, if using HCE and TEE scheme, in terms of theoretically secure
Degrade, but rely on trust computing Exchange Design, reliable safety guarantee can be provided, while mobile phone
HCE and TEE schemes provide bigger memory space, not exclusively rely on hardware vendor, promote more
For facility.
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 (30)
1. a kind of digital coin systems, it is characterised in that including Central Bank's digital coin systems,
Business bank's digital coin systems and Verification System, wherein,
Central Bank's digital coin systems are used to producing and issuing digital cash, and to digital goods
Coin carries out right registration；
Business bank's digital coin systems are used to perform bank function for digital cash；
Verification System is used for the user institute to Central Bank's digital coin systems and digital cash
Interaction between the terminal device used provides certification, and to Central Bank's digital cash
Interaction between system and business bank's digital coin systems provides certification.
2. digital coin systems according to claim 1, it is characterised in that the center
Bank's digital coin systems are additionally operable to record the transaction journal information of the digital cash.
3. digital coin systems according to claim 1, it is characterised in that the center
Bank's digital coin systems are additionally operable to produce digital cash in one or more modes in following：
Denomination according to the commodity money in circulation produces the digital cash of the denomination；
Least unit denomination according to pre-setting produces the digital cash of the denomination；And/or
Withdrawal Amount according to user produces the currency using the Withdrawal Amount as denomination.
4. digital coin systems according to claim 3, it is characterised in that the distribution
System is additionally operable to produce digital cash with following steps：
By the main password pre-set and being produced with the unique corresponding numeral of the denomination of pre-setting
The raw basic Crypted password corresponding to the denomination；
By basic Crypted password and the generating random number Crypted password, then the encryption to generation
Password is signed to obtain the digital cash of the denomination.
5. digital coin systems according to claim 1, it is characterised in that the center
Bank's digital coin systems and business bank's digital coin systems are additionally operable to D-RMB chip cards
Proceed as follows, wherein the D-RMB chip cards include storage medium：
Central Bank's digital coin systems generate D-RMB chip cards by preassigned content
Individuation data；
Business bank's digital coin systems will apply for the individual of the user of the D-RMB chip cards
Information writes the D-RMB chip cards；
Business bank's digital coin systems are with user IBC public keys to the Verification System application IBC
Private key, the user IBC public keys are the mark of the D-RMB chip cards or the user
Mark.
6. digital coin systems according to claim 5, it is characterised in that described
D-RMB chip cards include following form：Visual Bluetooth IC form, IC-card form, mobile phone
- eSE cards form, mobile phone-safe SD card form, mobile phone-SIM card form.
7. digital coin systems according to claim 1, it is characterised in that the center
Bank's digital coin systems are additionally operable to carry out user's registration in accordance with the following steps：
Central Bank's digital coin systems are receiving what the terminal device that user uses was sent
After proof of identification information, the application software suitable for the terminal device is sent to the terminal device；
Central Bank's digital coin systems are to the terminal device for running the application software
Send IBC public keys and IBC private keys, then carried out with the terminal device authentication session and
Session key agreement；
The terminal that Central Bank's digital coin systems receive the operation application software is set
The user account that preparation is come, then sends user cipher to the terminal device.
8. digital coin systems according to claim 1, it is characterised in that the business
Bank's digital coin systems are additionally operable to be connected with following one or more adapters：Moneytary operations
Data adapter unit, mobile service providers SMS gateway adapter, Retailer system adapter,
ATM data supply system adapters.
9. digital coin systems according to claim 1, it is characterised in that
Business bank's digital coin systems be additionally operable to receive user terminal send first please
Ask, and according to the specified amount of money of the described first request, digital cash is extracted from the account；
And the second request is sent to Central Bank's digital coin systems；And receive it is described in
After the operation that centre bank digital coin systems are sent successfully is indicated, by the numeral extracted
Currency is sent to the user terminal；
Central Bank's digital coin systems are additionally operable to receive second request, and according to institute
The second request is stated to perform the operation of preset term and successfully indicate operation to return to the business
Bank's digital coin systems, are included in the operation of the preset term to business bank numeral
The digital cash that money-system is extracted carries out the operation of owner's change；
Wherein, described first ask for extracting digital goods in the account of business bank from user
Coin；
Described second asks to carry out owner's change for the digital cash to extraction.
10. digital coin systems according to claim 1, it is characterised in that
Business bank's digital coin systems are additionally operable to receive what business bank's site system was sent
First request, and ask account of the specified amount of money from the business bank according to described first
Middle extraction digital cash；And the second request is sent to Central Bank's digital coin systems；And
And successfully indicated receiving the operation that Central Bank's digital coin systems send
Afterwards, the digital cash extracted is sent to the user terminal, wherein, first request
Including user terminal identification；
Central Bank's digital coin systems are additionally operable to receive second request, and according to institute
The second request is stated to perform the operation of preset term and successfully indicate operation to return to the business
Bank's digital coin systems, are included in the operation of the preset term to business bank numeral
The digital cash that money-system is extracted carries out the operation of owner's change；
Wherein, described first ask to be used to use cash redemption digital cash；
Described second asks to carry out owner's change for the digital cash to extraction.
11. digital coin systems according to claim 1, it is characterised in that also include
First user terminal and second user terminal；
First user terminal is used for the payment instruction according to reception, extracts and refers to the payment
The equal digital cash of the specified amount of money of order, and the request of generation first is sent to commercial silver line number
Word money-system, wherein, first request includes second user terminal iidentification and the numeral
Currency, described first asks to be used for carry out owner's change to the digital cash；
Business bank's digital coin systems are additionally operable to after first request is received, raw
Central Bank's digital coin systems are then sent into the second request, and described second asks to be used for pair
The digital cash carries out owner's change；And receiving Central Bank's digital cash system
After the operation sent of uniting successfully is indicated, the digital cash is sent to second user whole
End；
Central Bank's digital coin systems are additionally operable to receive second request, and according to institute
The second request is stated to perform the operation of preset term and successfully indicate operation to return to the business
Bank's digital coin systems, include in the operation of the preset term and the digital cash are carried out
The operation of owner's change；
The second user terminal is used to receive the institute that business bank's digital coin systems are sent
State digital cash.
12. digital coin systems according to claim 1, it is characterised in that also include
User terminal；
The user terminal, which is used to be exchanged according to change, to be instructed, and is chosen the change and is exchanged instruction institute
The digital cash to be exchanged of designated amounts, and the first request is sent to business bank's digital cash
System, described first asks to be used to carry out change exchange；And receive business bank's numeral
The change digital cash that money-system is sent；
Business bank's digital coin systems are additionally operable to, according to the described first request, treat described
Exchange digital cash and convert to change digital cash, and the second request is sent to Central Bank's number
Word money-system, described second asks for the digital cash to be exchanged and the change
Digital cash carries out owner's change；And after the successful instruction of the operation is received, will be described
Change digital cash is sent to first user terminal；
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 and included in the operation of preset term to the digital cash to be exchanged and the digital goods of the change
Coin carries out the operation of owner's change.
13. digital coin systems according to claim 1, it is characterised in that also include
Payer terminal equipment and beneficiary terminal device；
The payer terminal equipment is used for：Receive Payment Amount and the gathering of peripheral operation input
Side's mark；The number that total amount is equal to the Payment Amount is chosen in paying party digital cash wallet
Word currency；The digital cash with near-field communication modes is sent to beneficiary mark institute right
The beneficiary terminal device answered；
The beneficiary terminal device is used for：The digital cash is sent to business by network
Bank's digital coin systems；
Business bank's digital coin systems are additionally operable to：The digital cash is sent out by network
Give Central Bank's digital coin systems；
Central Bank's digital coin systems are additionally operable to：By owner's information of the digital cash
Beneficiary is changed to by paying party.
14. digital coin systems according to claim 1, it is characterised in that also include
Payer terminal equipment and beneficiary terminal device；
The payer terminal equipment is used for：Receive Payment Amount, the gathering of peripheral operation input
Side's mark and withdrawal identification code；Total amount is chosen in paying party digital cash wallet and is equal to institute
State the digital cash of Payment Amount；By the digital cash and withdrawal identification code with near-field communication side
Formula is sent to the corresponding beneficiary terminal device of the beneficiary mark；
The beneficiary terminal device is used for：The digital cash and withdrawal identification code are passed through into net
Network is sent to business bank's digital coin systems；
Business bank's digital coin systems are additionally operable to：Digital cash and withdrawal identification code are led to
Cross network and be sent to Central Bank's digital coin systems；
Central Bank's digital coin systems are additionally operable to：By owner's information of the digital cash
Beneficiary and remarks withdrawal identification code are changed to by paying party.
15. digital coin systems according to claim 1, it is characterised in that also include
Subscriber terminal equipment；
The subscriber terminal equipment is used for：The amount of money is cashed in digital goods according to what peripheral operation was inputted
Equivalent digital cash is chosen in coin wallet；The digital cash is sent to the business bank
Digital coin systems；
Business bank's digital coin systems are additionally operable to：The digital cash is sent to center
Bank's digital coin systems；The disposable drawing code that the user is provided is sent to institute
State Central Bank's digital coin systems；Confession is sent after effectively being notified according to disposable drawing code
Money is instructed, wherein the contribution is instructed for control machine or the artificial payment user's number of prompting
Equal to the cash for cashing the amount of money；
Central Bank's digital coin systems are additionally operable to：Generate disposable drawing code and then hair
The subscriber terminal equipment is given to be presented to user, and the owner of the digital cash is believed
Breath is changed to the Central Bank by user；The disposable drawing code is confirmed effectively, then by business
The amount of money is cashed described in the increase of industry bank account, and is sent out to business bank's digital coin systems
The disposable drawing code is sent effectively to notify.
16. digital coin systems according to claim 1, it is characterised in that also include
Subscriber terminal equipment；
The subscriber terminal equipment is used for：The amount of money is cashed in digital goods according to what peripheral operation was inputted
Equivalent digital cash is chosen in coin wallet；The digital cash is sent to business bank's numeral
Money-system；
Business bank's digital coin systems are additionally operable to：The disposable code that originally makes a draft of money of generation,
The digital cash is sent to Central Bank's digital coin systems；It is updated to according to the owner
Work(is instructed, by the disposable code that originally makes a draft of money be sent to the subscriber terminal equipment with
Now give user；Confirm that the disposable code that originally makes a draft of money that the user provides is effective, so
After send contribution instruction, wherein the contribution is instructed for control machine or the artificial payment of prompting
User's number is equal to the cash for cashing the amount of money；
Central Bank's digital coin systems are additionally operable to：By owner's information of the digital cash
Business bank is changed to by user, then owner is sent to business bank's digital coin systems
It is updated successfully instruction.
17. digital coin systems according to claim 1, it is characterised in that also include
Terminal device；
The terminal device is used for：Receive the amount deposited and savings account of peripheral operation input；
The digital cash that total amount is equal to the amount deposited is chosen in digital cash wallet；Will be described
Digital cash and savings account are sent to business bank's digital coin systems；
Business bank's digital coin systems are additionally operable to：By the digital cash and savings account
It is sent to Central Bank's digital coin systems；According to transaction successful information to the deposit account
Family increases the book keeping operation of the amount deposited, and sends deposit success notification to the terminal device；
Central Bank's digital coin systems are additionally operable to：By owner's information of the digital cash
Business bank is changed to by user, and feeds back described to business bank's digital coin systems
Transaction successful information.
18. digital coin systems according to claim 1, it is characterised in that
Business bank's digital coin systems are additionally operable to receive the cash in kind of redemption request side
Amount information and digital money card information, then determine to participate in what is exchanged according to the amount information
Digital cash, gives birth to further according to the digital cash and the digital cash card information of redemption request side
Into redemption request information, the redemption request information is then sent to digital cash system of the Central Bank
System；And successfully indicated in the operation for receiving Central Bank's digital coin systems return
Afterwards, the digital cash is write in the digital cash card of the redemption request side；
Central Bank's digital coin systems are additionally operable to be performed in advance according to the redemption request information
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 business bank's digital coin systems is participated in convert
The digital cash changed carries out the operation of owner's change.
19. digital coin systems according to claim 1, it is characterised in that
Business bank's digital coin systems are additionally operable to receive the redemption amount letter of redemption request side
Breath, bank account information and digital cash card information；Then believed according to the redemption amount
Cease and the amount of money equal with redemption amount is deducted in the bank account, believe further according to redemption amount
Breath determines the digital cash for participating in exchanging, and according to the digital cash and redemption request side
Digital cash card information generation redemption request information, then the redemption request information is sent to
Central Bank's digital coin systems；And receiving what Central Bank's digital coin systems were returned
After the operation is successfully indicated, the digital cash is write to the number of the redemption request side
In word money card；
Central Bank's digital coin systems are additionally operable to be performed in advance according to the redemption request information
If then operation is successfully indicated to return to business bank's digital cash system by the operation of project
System, includes in the operation of the preset term and business bank's digital coin systems is participated in convert
The digital cash changed carries out the operation of owner's change.
20. digital coin systems according to claim 1, it is characterised in that also include
Terminal device and digital cash chip card；
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 additionally operable to after first request is received, raw
Central Bank's digital coin systems are then forwarded into the second request, and described second asks to be used for pair
The digital cash carries out owner's change, and is receiving Central Bank's digital coin systems
After operation is successfully indicated, the successful information of feedback trading to the terminal device；
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.
21. digital coin systems according to claim 1, it is characterised in that also include
Terminal device and digital cash chip card；
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 additionally operable to after first request is received, root
Change digital cash is extracted according to the described first request, the request of generation second is then forwarded to central silver
Row digital coin systems, described second asks to be used for the digital cash to be exchanged and described
Change digital cash carries out owner's change, and after the successful instruction of operation is received, will belong to
Main transformer more after change digital cash send to the terminal device；
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 in the operation of preset term comprising the change digital cash to be exchanged and change numeral
The owner of currency.
22. digital coin systems according to claim 1, it is characterised in that also include
Viewable numbers currency chip card and mobile terminal；
The viewable numbers currency chip card is used for the Payment Amount letter for receiving peripheral operation input
Breath, selects the digital cash of the Payment Amount to send to mobile terminal；
The mobile terminal is used to receive the digital cash, and the request of generation first is then forwarded to
Business bank's digital coin systems, described first asks to be used for carry out owner to the digital cash
Change；
Business bank's digital coin systems are additionally operable to after first request is received, raw
Central Bank's digital coin systems are then forwarded into the second request, and described second asks to be used for pair
The digital cash carries out owner's change；
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 mobile terminal is received
Operation more.
23. digital coin systems according to claim 1, it is characterised in that also include
Mobile terminal and digital cash chip card；
The mobile terminal 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 after the digital cash is received, the request of generation first is then forwarded to business
Bank's 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 number for selecting the amount of money specified by the Payment Amount information
Word currency, is then forwarded to the mobile terminal；
Business bank's digital coin systems are additionally operable to after first request is received, raw
Central Bank's digital coin systems are then forwarded into the second request, and described second asks to be used for pair
The digital cash carries out owner's change；
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 mobile terminal is received
Operation more.
24. digital coin systems according to claim 1, it is characterised in that also include
Subscriber terminal equipment and accepting terminal equipment；
The user terminal is used to send payment information to accepting terminal equipment, the payment letter
Breath includes digital cash chip card information and the digital cash equivalent with Payment Amount；
The accepting terminal equipment is used to receive after the payment information, by the payment information
Send to business bank's digital coin systems；
Business bank's digital coin systems are additionally operable to after the payment information is received, to
Central Bank's digital coin systems send the request of change owner；
Central Bank's digital coin systems are additionally operable to receiving the request of the change owner
Afterwards, the owner of the digital cash is changed to business bank's code of trade company；
Business bank's digital coin systems are additionally operable to change the account amount of money of the trade company.
25. digital coin systems according to claim 1, it is characterised in that also include
Subscriber terminal equipment and accepting terminal equipment；
The accepting terminal equipment is used to connect not setting up network with business bank digital coin systems
In the case of connecing, dealing money is received, and build with business bank's digital coin systems
After vertical connection, the accepting terminal equipment sends the Transaction Information to the business bank
Digital coin systems；
The subscriber terminal equipment is used to pass through near radio connected mode from the accepting terminal
Equipment obtains the dealing money, and Transaction Information is sent to the accepting terminal equipment, institute
State the Transaction Information digital goods equivalent including digital cash chip card information and with dealing money
Coin；
Business bank's digital coin systems are additionally operable to after the Transaction Information is received, to
Central Bank's digital coin systems send the request of change owner；
Central Bank's digital coin systems are additionally operable to receiving the request of the change owner
Afterwards, the owner of the digital cash is changed to the corresponding trade company's code of the accepting terminal equipment.
26. digital coin systems according to claim 1, it is characterised in that also include
Payment viewable numbers currency chip card and cash receiving terminal equipment；
It is described payment viewable numbers currency chip card, for not with digital cash system of business bank
In the case that network connection is found in construction in a systematic way, sent to cash receiving terminal equipment and pay request, it is described to pay
Request bag contains digital cash to be paid, dealing money；
The cash receiving terminal equipment, for after the payment request is received, to commercial silver line number
Word money-system initiates network connection, in the case of the network connection is successful, by the branch
Pay request and be sent to business bank's digital coin systems；
Business bank's digital coin systems are additionally operable to be asked according to described pay, to central silver
Row digital coin systems are sent comprising the payment affirmation request for paying request, described to pay true
Recognizing request is used to carry out owner's change to the digital cash to be paid；
Central Bank's digital coin systems are additionally operable to be asked according to the payment affirmation, perform
Predetermined registration operation, then notifies operating result, the predetermined registration operation bag to the cash receiving terminal equipment
Include the owner for changing the digital cash to be paid.
27. digital coin systems according to claim 1, it is characterised in that also include
Payment viewable numbers currency chip card and cash receiving terminal equipment；
The payment viewable numbers currency chip card be used for not with business bank's digital coin systems
In the case of setting up network connection, the payment for sending digital cash to cash receiving terminal equipment is asked,
The payment request bag contains digital cash and dealing money to be paid；
The cash receiving terminal equipment is used to initiate network connection to business bank's digital coin systems,
In the case of the network connection is successful, the body that the user that asks and collect money reserves is paid by described
Part checking information is sent to business bank's digital coin systems；
Business bank's digital coin systems are additionally operable to be asked according to described pay, to central silver
Row digital coin systems send payment affirmation request, and the payment affirmation asks to be used to treat to described
The digital cash of payment carries out owner's change, and the payment-confirmation request is containing described to be paid
Digital cash, the dealing money, the authentication information；
Central Bank's digital coin systems are additionally operable to be asked according to the payment affirmation, perform
Predetermined registration operation, then sends operating result, the predetermined registration operation bag to the cash receiving terminal equipment
Include the owner for changing the digital cash to be paid and preserve the authentication information.
28. digital coin systems according to claim 1, it is characterised in that also include
Payment viewable numbers currency chip card and gathering viewable numbers currency chip card；
The payment viewable numbers currency chip card be used for not with business bank's digital coin systems
In the case of setting up network connection, digital cash is sent to gathering viewable numbers currency chip card
Request is paid, the payment request bag contains digital cash and dealing money to be paid；
The gathering viewable numbers currency chip card is used for after the payment request is received, to business
Industry bank digital coin systems initiate network connection, in the case of the network connection is successful,
The payment request is sent to business bank's digital coin systems；
Business bank's digital coin systems are additionally operable to be asked according to described pay, to central silver
Row digital coin systems send the branch comprising the digital cash to be paid and the dealing money
Confirmation request is paid, the payment affirmation is asked for carrying out owner's change to digital cash to be paid
More；
Central Bank's digital coin systems are additionally operable to be asked according to the payment affirmation, perform
Predetermined registration operation, then notifies operating result to the gathering viewable numbers currency chip card, described
Predetermined registration operation includes changing the owner of the digital cash.
29. digital coin systems according to claim 1, it is characterised in that also include
Accepting terminal equipment；
The accepting terminal equipment is used to set up after communication connection with digital cash chip card, receives
The deposit information of peripheral operation input, and the deposit information is sent to the digital goods of business bank
Coin system, the deposit information include deposit account information, digital cash chip card information and
The equivalent digital cash with amount deposited；
Business bank's digital coin systems are additionally operable to after the deposit information is received, to
Central Bank's digital coin systems send the request of change owner；
Central Bank's digital coin systems are additionally operable to receiving the request of the change owner
Afterwards, the owner of the digital cash is changed to the business bank, and to the savings account
The amount of money changed.
30. digital coin systems according to claim 1, it is characterised in that also include
Accepting terminal equipment；
The accepting terminal equipment is used for after communication connection is set up with digital cash chip card, connects
The redemption information of peripheral operation input is received, and the redemption information is sent to business bank's numeral
Money-system, wherein, the redemption information includes digital cash chip card information and with exchanging gold
The equivalent digital cash of volume；
Business bank's digital coin systems are additionally operable to after the redemption information is received, to
Central Bank's digital coin systems send the request of change owner；
Central Bank's digital coin systems are additionally operable to receiving the request of the change owner
Afterwards, the owner of the digital cash is changed to the business bank；
Business bank's digital coin systems are additionally operable to send to the accepting terminal equipment and controlled
Instruction, the control instruction is used for the bank note for exporting the redemption amount；
The accepting terminal equipment is additionally operable to export the redemption amount according to the control instruction
Bank note.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610179399.3A CN107230070B (en) | 2016-03-25 | 2016-03-25 | Digital currency system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610179399.3A CN107230070B (en) | 2016-03-25 | 2016-03-25 | Digital currency system |
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| CN107230070A true CN107230070A (en) | 2017-10-03 |
| CN107230070B CN107230070B (en) | 2022-09-13 |
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| CN201610179399.3A Active CN107230070B (en) | 2016-03-25 | 2016-03-25 | Digital currency system |
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| CN108053212A (en) * | 2017-12-29 | 2018-05-18 | 齐宇庆 | A kind of bank paying Licensing Authority feedback information system of software and hardware combining |
| RU2723461C1 (en) * | 2019-04-01 | 2020-06-11 | Олег Леонидович Курнявко | Method for primary emission of electronic digital note, method for secondary emission of electronic digital banknote, method of making payment using electronic digital note |
| CN111612440A (en) * | 2020-03-11 | 2020-09-01 | 上海十进制网络信息科技有限公司 | Digital currency circulation method, device, server and readable storage medium |
| CN112633895A (en) * | 2021-01-05 | 2021-04-09 | 交通银行股份有限公司 | Risk control method and system for bank online website business digital currency transaction |
| CN112712353A (en) * | 2019-12-25 | 2021-04-27 | 深圳市文鼎创数据科技有限公司 | Digital currency change payment method, system and terminal |
| CN113450093A (en) * | 2021-07-06 | 2021-09-28 | 山西特信环宇信息技术有限公司 | Real-time consensus authentication method and system for digital change wallet based on cone block chain |
| TWI751553B (en) * | 2020-05-11 | 2022-01-01 | 財金資訊股份有限公司 | Method and system for paying digital currency |
| WO2022218410A1 (en) * | 2021-04-16 | 2022-10-20 | 中国人民银行数字货币研究所 | Digital currency export method, recharging method, apparatus, and system |
| US11836690B1 (en) * | 2022-04-12 | 2023-12-05 | Wells Fargo Bank, N.A. | Systems and methods for private network issuance of digital currency |
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| RU2723461C1 (en) * | 2019-04-01 | 2020-06-11 | Олег Леонидович Курнявко | Method for primary emission of electronic digital note, method for secondary emission of electronic digital banknote, method of making payment using electronic digital note |
| CN112712353A (en) * | 2019-12-25 | 2021-04-27 | 深圳市文鼎创数据科技有限公司 | Digital currency change payment method, system and terminal |
| CN112712353B (en) * | 2019-12-25 | 2024-04-12 | 深圳市文鼎创数据科技有限公司 | Digital currency zero-payment method, system and terminal |
| CN111612440A (en) * | 2020-03-11 | 2020-09-01 | 上海十进制网络信息科技有限公司 | Digital currency circulation method, device, server and readable storage medium |
| CN111612440B (en) * | 2020-03-11 | 2024-03-12 | 上海十进制网络信息科技有限公司 | Method and device for circulating digital currency, server and readable storage medium |
| TWI751553B (en) * | 2020-05-11 | 2022-01-01 | 財金資訊股份有限公司 | Method and system for paying digital currency |
| CN112633895A (en) * | 2021-01-05 | 2021-04-09 | 交通银行股份有限公司 | Risk control method and system for bank online website business digital currency transaction |
| WO2022218410A1 (en) * | 2021-04-16 | 2022-10-20 | 中国人民银行数字货币研究所 | Digital currency export method, recharging method, apparatus, and system |
| CN113450093A (en) * | 2021-07-06 | 2021-09-28 | 山西特信环宇信息技术有限公司 | Real-time consensus authentication method and system for digital change wallet based on cone block chain |
| CN113450093B (en) * | 2021-07-06 | 2023-02-24 | 山西特信环宇信息技术有限公司 | Real-time consensus authentication method and system for digital change wallet based on cone block chain |
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Effective date of registration: 20180411 Address after: 100070 Building 2, nuclear Road 5, Science City, Fengtai District, Beijing. Applicant after: THE PEOPLES BANK OF CHINA, DIGITAL CASH Research Institute Address before: 100070 Fengtai District Science City Road, No. 5, Beijing Applicant before: SECURITY PRINTING INSTITUTE OF PEOPLE'S BANK OF CHINA |
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