CN107230070B

CN107230070B - Digital currency system

Info

Publication number: CN107230070B
Application number: CN201610179399.3A
Authority: CN
Inventors: 姚前; 李会锋; 温信祥; 李连三; 王栋兵; 刘浩; 赵欣; 唐晓雪; 刘文舒
Original assignee: Digital Currency Institute of the Peoples Bank of China
Current assignee: Digital Currency Institute of the Peoples Bank of China
Priority date: 2016-03-25
Filing date: 2016-03-25
Publication date: 2022-09-13
Anticipated expiration: 2036-03-25
Also published as: CN107230070A

Abstract

The invention provides a digital currency system, which comprises a central bank digital currency system, a commercial bank digital currency system and an authentication system, wherein the central bank digital currency system is used for generating and issuing digital currency and performing ownership registration on the digital currency; a commercial bank digital currency system for performing banking functions on digital currency; the authentication system is used for providing authentication for interaction between the central bank digital currency system and terminal equipment used by users of digital currency and for providing authentication for interaction between the central bank digital currency system and the commercial bank digital currency system. According to the technical scheme of the invention, the digital currency system with good convenience and high safety is realized, and the digital currency system can be applied to various application scenes of digital currency in reality, and is favorable for comprehensive popularization and use of the digital currency in the whole society.

Description

Digital currency system

Technical Field

The invention relates to the technical field of computers and software thereof, in particular to a digital currency system.

Background

Digital currency is currency that converts cash values into a series of electronically encrypted serial numbers, and the security of the currency itself relies on cryptographic algorithms to protect it. In the aspect of cryptographic algorithm, the security of the digital currency system relates to symmetric passwords, asymmetric passwords, a message digest algorithm and an identity-based cryptographic system, and the overall security of the cryptographic system, the selection of the cryptographic algorithm, the implementation of the cryptographic algorithm, the design of an interaction protocol, the compatibility of international and domestic standards and the like must be deeply considered in the aspect of system implementation to ensure the transaction security of the digital currency.

With the development and popularization of the mobile internet, the mobile payment industry is rapidly changed and promoted, business modes based on various technologies such as the mobile internet, NFC, HCE, Token, biological recognition and the like are continuously innovated, application scenes are continuously expanded and enriched, and the integrated development of online and offline businesses is accelerated. The new mobile payment technology provides diversified convenient payment services for users, and leads to transformation, upgrading and development of industries such as communication, finance, Internet and the like. The wide development prospect of mobile payment has become a wide consensus of the whole industry, and the mobile payment is considered to be an important cut-in point on a connecting line. The transaction system of digital currency should be designed with mobile payment as the core for business model.

In mobile payment business mode, the key storage carrier for digital currency can be provided by hardware SE modules (security modules), HCEs and TEEs. The hardware SE is widely applied to the prior debit and credit cards and electronic cash because the safe computing environment provided by the hardware SE is approved by the field of financial transactions, and has wide user foundation, good acceptance environment and use habit. With the continuous development of mobile payment technology, the form of the SE module has changed, and new solutions are continuously practiced.

On a data transmission channel between a transaction acceptance terminal (POS machine) and a payment instrument (such as between a card and a mobile phone), there are currently a plurality of transmission modes: RF radio frequency communication, SMS, sweep the sign indicating number, sound wave, photon, coexistence of multiple mode provides convenience for the communication between the payment carrier.

The authentication method can be classified into password-based authentication, password + smart card-based authentication, and biometric feature (fingerprint, face) based authentication. The password and the biometric authentication are mostly used for far-field payment, and the smart card authentication is mostly used for near-field payment.

Cloud computing is the mainstream direction of a background server side in the future, and a background system of digital currency should adopt a cloud-based solution.

In electronic commerce activities, the requirements for digital currency differ from role to role: customers require digital currency to be convenient to use, safe to store and anonymous; the merchant requires the digital currency to be certifiable and to be exchanged into real currency; the bank requires that the digital money cannot be illegally used and forged, and thus, the digital money D-RMB should have the following characteristics:

1. safety: can prevent any party in the business from changing or illegally using the digital currency;

2. non-repeatable expense: the digital currency can be used only once, and the repeated cost can be easily checked;

3. controllable anonymity: the bank and the merchant are mutually hooked and cannot track the use of the digital currency, and the system cannot be required to link the purchasing behaviors of users of electronic cash together, so that the purchasing history of the users of the digital currency is concealed, but the issuer of the digital currency can track the use of the digital currency;

4. non-forgeability: digital currency that the user cannot counterfeit;

5. fairness: the payment process is fair, so that the transaction of both parties is successful or no loss is generated between both parties, and a certain transaction party is prevented from being damaged in the transaction;

6. compatibility: the issuing process and circulation link of digital currency in the D-RMB system refer to the issuing and circulation of physical currency as much as possible.

And for digital currency, the currency can be adapted to various use scenes of the existing currency and can be freely exchanged with the existing currency.

Disclosure of Invention

In view of the above, the present invention provides a digital currency system to solve at least one of the problems of the prior art regarding digital currency. Other objects and advantages of the present invention will be apparent from the detailed description.

The invention provides the following technical scheme:

a digital currency system comprising a central bank digital currency system for generating and issuing digital currency and for performing ownership registration of the digital currency, a commercial bank digital currency system, and an authentication system; a commercial bank digital currency system for performing banking functions on digital currency; the authentication system is used for providing authentication for interaction between the central bank digital currency system and terminal equipment used by users of digital currency and for providing authentication for interaction between the central bank digital currency system and the commercial bank digital currency system.

Optionally, the central bank digital currency system is further configured to record transaction flow information of the digital currency.

Optionally, the central bank digital currency system is further adapted to generate digital currency in one or more of the following ways: generating digital currency of the denomination according to the denomination of the circulating physical currency; generating a digital currency of the denomination in accordance with a preset minimum unit denomination; and/or generating money with the withdrawal amount as a denomination according to the withdrawal amount of the user.

Optionally, the issuing system is further adapted to generate the digital currency by: generating a basic encryption password corresponding to the denomination from a preset main password and a preset number uniquely corresponding to the denomination; and generating an encryption password by the basic encryption password and the random number, and then signing the generated encryption password to obtain the digital currency of the denomination.

Optionally, the central bank digital currency system and the commercial bank digital currency system are further configured to perform the following operations on a D-RMB chip card, wherein the D-RMB chip card contains a storage medium: the central bank digital currency system generates personalized data of the D-RMB chip card according to the pre-designated content; the commercial bank digital currency system writes personal information of a user applying for the D-RMB chip card into the D-RMB chip card; and the commercial bank digital currency system applies an IBC private key to the authentication system by using a user IBC public key, wherein the user IBC public key is the identification of the D-RMB chip card or the identification of the user.

Optionally, the D-RMB chip card comprises the following modalities: the visual Bluetooth IC card form, the mobile phone-eSE card form, the mobile phone-secure SD card form and the mobile phone-SIM card form.

Optionally, the central bank digital currency system is further configured to perform user registration as follows: after receiving the identification information sent by the terminal equipment used by the user, the central bank digital currency system sends application software suitable for the terminal equipment to the terminal equipment; the central bank digital currency system sends an IBC public key and an IBC private key to the terminal equipment running the application software, and then performs identity authentication session and session key negotiation with the terminal equipment; and the central bank digital currency system receives a user account sent by the terminal equipment running the application software and then sends a user password to the terminal equipment.

Optionally, the commercial bank digital currency system is further adapted to connect with one or more of the following adapters: currency transaction data adapter, cell phone service provider SMS gateway adapter, retailer system adapter, ATM data supply system adapter.

Optionally, the commercial bank digital currency system is further configured to receive a first request from a user terminal, and extract digital currency from the account according to an amount specified by the first request; and sending the second request to the central bank digital currency system; and upon receiving an indication of success of the operation from the central banking digital currency system, sending the extracted digital currency to the user terminal; the central bank digital currency system is also used for receiving the second request, executing the operation of a preset item according to the second request and returning the successful operation indication to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency extracted by the commercial bank digital currency system; wherein the first request is for drawing digital currency from a user's account with a commercial bank; the second request is for making an owner change to the extracted digital currency.

Optionally, the commercial bank digital currency system is further configured to receive a first request from a commercial banking outlet system, and extract digital currency from an account of the commercial bank according to an amount specified by the first request; and sending the second request to the central bank digital currency system; and upon receiving an indication from the central bank digital currency system that the operation was successful, sending the extracted digital currency to the user terminal, wherein the first request includes a user terminal identification; the central bank digital currency system is also used for receiving the second request, executing the operation of a preset item according to the second request and returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency extracted by the commercial bank digital currency system; wherein the first request is for exchanging digital currency using cash; the second request is for making an owner change to the extracted digital currency.

Optionally, the digital currency system further comprises a first user terminal and a second user terminal; the first user terminal is used for extracting digital currency with the amount equal to the amount specified by the payment instruction according to the received payment instruction, generating a first request and sending the first request to a commercial bank digital currency system, wherein the first request comprises a second user terminal identification and the digital currency, and the first request is used for carrying out owner change on the digital currency; the commercial bank digital currency system is also used for generating a second request after receiving the first request and then sending the second request to the central bank digital currency system, wherein the second request is used for carrying out owner change on the digital currency; and after receiving the indication of successful operation sent by the central bank digital currency system, sending the digital currency to a second user terminal; the central bank digital currency system is also used for receiving the second request, executing the operation of a preset item according to the second request and returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency; the second user terminal is used for receiving the digital currency sent by the commercial bank digital currency system.

Optionally, the digital currency system further comprises a user terminal; the user terminal is used for selecting digital currency to be exchanged with the amount specified by the change exchange instruction according to the change exchange instruction and sending a first request to a commercial bank digital currency system, wherein the first request is used for change exchange; and receiving the change digital currency from the commercial bank digital currency system; the commercial bank digital currency system is further used for converting the digital currency to be converted into change digital currency according to the first request and sending a second request to a central bank digital currency system, wherein the second request is used for carrying out owner change on the digital currency to be converted and the change digital currency; and upon receiving an indication that the operation was successful, sending the change digital currency to the first user terminal; the central bank digital currency system is further used for executing operations of preset items according to the second request and returning indication of successful operations to the commercial bank digital currency system, wherein the operations of the preset items comprise operations of owner change of the digital currency to be exchanged and the change digital currency.

Optionally, the digital currency system further comprises a payer terminal device and a payee terminal device; the payer terminal device is configured to: receiving payment amount and payee identification input by external operation; selecting digital currency in a payer digital currency wallet with a total amount equal to the payment amount; sending the digital currency to the payee terminal device corresponding to the payee identification in a near field communication mode; the payee terminal device is configured to: sending the digital currency to a commercial bank digital currency system through a network; the commercial bank digital currency system is further configured to: sending the digital currency to a central bank digital currency system through a network; the central bank digital currency system is further configured to: and changing the owner information of the digital currency from the payer to the payee.

Optionally, the digital currency system further comprises a payer terminal device and a payee terminal device; the payer terminal device is configured to: receiving payment amount, payee identification and withdrawal identification code input by external operation; selecting digital currency in a payer digital currency wallet with a total amount equal to the payment amount; sending the digital currency and the withdrawal identification code to the payee terminal device corresponding to the payee identification in a near field communication mode; the payee terminal device is configured to: sending the digital currency and the withdrawal identification code to a commercial bank digital currency system through a network; the commercial bank digital currency system is further to: sending the digital currency and the withdrawal identification code to a central bank digital currency system through a network; the central bank digital currency system is further configured to: and changing the owner information of the digital currency from the payer to the payee and making a note of the withdrawal identification code.

Optionally, the digital currency system further comprises a user terminal device; the user terminal device is configured to: selecting equivalent digital currency in a digital currency wallet according to a cash amount input by external operation; sending the digital currency to the commercial bank digital currency system; the commercial bank digital currency system is further to: sending the digital currency to a central bank digital currency system; sending the one-time withdrawal code provided by the user to the central bank digital currency system; sending a money supply instruction after a notice that the one-time withdrawal code is effective is sent, wherein the money supply instruction is used for controlling a machine or prompting a manual cash supply user to manually supply cash with the amount equal to the cash-out amount; the central bank digital currency system is further configured to: generating a one-time withdrawal code and then sending the one-time withdrawal code to the user terminal equipment to be presented to a user, and changing owner information of the digital currency into a central bank by the user; confirming that the one-time withdrawal code is valid, then adding the cash redemption amount to a commercial bank account, and sending a notification to the commercial bank digital currency system that the one-time withdrawal code is valid.

Optionally, the digital currency system further comprises a user terminal device; the user terminal device is configured to: selecting equivalent digital currency in a digital currency wallet according to a cash amount input by external operation; sending the digital currency to a commercial bank digital currency system; the commercial bank digital currency system is further configured to: generating a disposable bank withdrawal code and sending the digital currency to a central bank digital currency system; sending the disposable bank withdrawal code to the user terminal equipment to be presented to a user according to the owner updating success instruction; confirming that the one-time bank withdrawal code provided by the user is valid, and then sending a money supply instruction, wherein the money supply instruction is used for controlling a machine or prompting a user to manually supply cash with the amount equal to the cash-out amount; the central bank digital currency system is further configured to: and changing the owner information of the digital currency into a commercial bank by a user, and then sending an owner updating success instruction to the commercial bank digital currency system.

Optionally, the digital currency system further comprises a terminal device; the terminal device is configured to: receiving a deposit amount and a deposit account input by external operation; selecting digital currency with a total amount equal to the deposit amount in a digital currency wallet; sending the digital currency and deposit account to the commercial bank digital currency system; the commercial bank digital currency system is further to: sending the digital currency and deposit account to the central bank digital currency system; adding the accounting of the deposit amount to the deposit account according to the transaction success information, and sending a deposit success notice to the terminal equipment; the central bank digital currency system is further configured to: changing owner information of the digital currency from a user to a commercial bank, and feeding back the transaction success information to the commercial bank digital currency system.

Optionally, the commercial bank digital currency system is further configured to receive amount information of physical cash of the conversion requester and digital currency card information, determine digital currency participating in conversion according to the amount information, generate conversion request information according to the digital currency and the digital currency card information of the conversion requester, and send the conversion request information to the central bank digital currency system; and upon receiving an indication of success of the operation returned by the central bank digital currency system, writing the digital currency into the digital currency card of the conversion requester; the central bank digital currency system is also used for executing the operation of a preset item according to the conversion request information and returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency which is converted by the commercial bank digital currency system.

Optionally, the commercial bank digital currency system is further configured to receive conversion amount information, bank account information, and digital currency card information of the conversion requester; deducting the amount equal to the exchange amount from the bank account according to the exchange amount information, determining the digital currency participating in the exchange according to the exchange amount information, generating exchange request information according to the digital currency and the digital currency card information of the exchange requester, and sending the exchange request information to a central bank digital currency system; and upon receiving an indication of success of the operation returned by the central bank digital currency system, writing the digital currency into the digital currency card of the conversion requester; the central bank digital currency system is also used for executing the operation of a preset item according to the conversion request information and then returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency which is converted by the commercial bank digital currency system.

Optionally, the digital currency system further comprises a terminal device and a digital currency chip card; the terminal equipment is used for receiving payment amount information input by external operation, then sending the payment amount information to the digital currency chip card, wherein the payment amount information comprises payment amount, and after receiving the digital currency, generating a first request and then sending the first request to a digital currency system of a commercial bank, wherein the first request is used for carrying out owner change on the digital currency; the digital currency chip card is used for selecting the digital currency of the payment amount and then sending the digital currency to the terminal equipment; the commercial bank digital currency system is also used for generating a second request and then sending the second request to the central bank digital currency system after receiving the first request, wherein the second request is used for carrying out owner change on the digital currency and feeding back information of successful transaction to the terminal equipment after receiving an indication that the central bank digital currency system is operated successfully; the central bank digital currency system is also used for executing the operation of a preset item according to the second request and returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency received by the terminal equipment.

Optionally, the digital currency system further comprises a terminal device and a digital currency chip card; the terminal device is used for receiving a change exchange request, and the change exchange request comprises: the method comprises the steps of exchanging digital currency, exchanging the face value, selecting the digital currency to be exchanged from a digital currency chip card according to a change exchange request, generating a first request and then sending the first request to a commercial bank digital currency system, wherein the first request is used for extracting the change digital currency from a commercial bank, and writing the change digital currency changed by an owner into the digital currency chip card after the commercial bank digital currency system sends the change digital currency changed by the owner to a terminal device; the commercial bank digital currency system is also used for extracting change digital currency according to the first request after receiving the first request, generating a second request and then sending the second request to the central bank digital currency system, wherein the second request is used for carrying out owner change on the digital currency to be exchanged and the change digital currency, and sending the change digital currency after the owner change to the terminal equipment after receiving an instruction of successful operation; the central bank digital currency system is further configured to execute a preset item operation according to the second request and return an indication of successful operation to the commercial bank digital currency system, wherein the preset item operation includes changing an owner of the digital currency to be exchanged and the change digital currency.

Optionally, the digital currency system further comprises a visible digital currency chip card and a mobile terminal; the visible digital currency chip card is used for receiving payment amount information input by external operation, and selecting digital currency of the payment amount to send to the mobile terminal; the mobile terminal is used for receiving the digital currency, generating a first request and then sending the first request to a commercial bank digital currency system, wherein the first request is used for carrying out owner change on the digital currency; the commercial bank digital currency system is also used for generating a second request after receiving the first request and then sending the second request to the central bank digital currency system, wherein the second request is used for carrying out owner change on the digital currency; the central bank digital currency system is further used for executing operation of a preset item according to the second request and returning an indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises operation of owner change of the digital currency received by the mobile terminal.

Optionally, the digital currency system further comprises a mobile terminal and a digital currency chip card; the mobile terminal is used for receiving payment amount information input by external operation, then sending the payment amount information to the digital currency chip card, wherein the payment amount information comprises payment amount, and after receiving the digital currency, generating a first request and then sending the first request to a digital currency system of a commercial bank, wherein the first request is used for carrying out owner change on the digital currency; the digital currency chip card is used for selecting digital currency of the amount specified by the payment amount information and then sending the digital currency to the mobile terminal; the commercial bank digital currency system is also used for generating a second request after receiving the first request and then sending the second request to the central bank digital currency system, wherein the second request is used for carrying out owner change on the digital currency; the central bank digital currency system is also used for executing the operation of a preset item according to the second request and returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency received by the mobile terminal.

Optionally, the digital currency system further comprises a user terminal device and an acceptance terminal device; the user terminal is used for sending payment information to the acceptance terminal equipment, and the payment information comprises digital currency chip card information and digital currency equivalent to the payment amount; the acceptance terminal equipment is used for receiving the payment information and then sending the payment information to a commercial bank digital currency system; the commercial bank digital currency system is also used for sending a request for changing the owner to the central bank digital currency system after receiving the payment information; the central bank digital currency system is also used for changing the owner of the digital currency into a commercial bank code of a merchant after receiving the request for changing the owner; the commercial bank digital currency system is further configured to change the account amount of the merchant.

Optionally, the digital currency system further comprises a user terminal device and an acceptance terminal device; the acceptance terminal device is used for receiving the transaction amount under the condition that the network connection with the commercial bank digital currency system is not established, and after the connection with the commercial bank digital currency system is established, the acceptance terminal device sends the transaction information to the commercial bank digital currency system; the user terminal equipment is used for acquiring the transaction amount from the acceptance terminal equipment in a close-range wireless connection mode and sending transaction information to the acceptance terminal equipment, wherein the transaction information comprises digital currency chip card information and digital currency equivalent to the transaction amount; the commercial bank digital currency system is also used for sending an owner changing request to the central bank digital currency system after receiving the transaction information; and the central bank digital currency system is further used for changing the owner of the digital currency into a merchant code corresponding to the acceptance terminal device after receiving the request for changing the owner.

Optionally, the digital currency system further comprises a payment visible digital currency chip card and a collection terminal device; the payment visible digital currency chip card is used for sending a payment request to the collection terminal equipment under the condition that the network connection with the commercial bank digital currency system is not established, wherein the payment request comprises digital currency to be paid and transaction amount; the cash receiving terminal device is used for initiating network connection to a commercial bank digital currency system after receiving the payment request, and sending the payment request to the commercial bank digital currency system under the condition of successful network connection; the commercial bank digital currency system is also used for sending a payment confirmation request containing the payment request to a central bank digital currency system according to the payment request, and the payment confirmation request is used for carrying out owner change on the digital currency to be paid; the central bank digital currency system is further configured to execute a preset operation according to the payment confirmation request, and then notify an operation result to the money receiving terminal device, where the preset operation includes changing an owner of the digital currency to be paid.

Optionally, the digital currency system further comprises a payment visible digital currency chip card and a checkout terminal device; the payment visible digital currency chip card is used for sending a payment request of digital currency to the collection terminal device under the condition that network connection is not established with a commercial bank digital currency system, and the payment request comprises the digital currency to be paid and the transaction amount; the money receiving terminal device is used for initiating network connection to a commercial bank digital currency system, and sending the payment request and the identity verification information reserved by a money receiving user to the commercial bank digital currency system under the condition that the network connection is successful; the commercial bank digital currency system is also used for sending a payment confirmation request to a central bank digital currency system according to the payment request, wherein the payment confirmation request is used for carrying out owner change on the digital currency to be paid and comprises the digital currency to be paid, the transaction amount and the identity verification information; the central bank digital currency system is further used for executing preset operation according to the payment confirmation request and then sending an operation result to the payment terminal device, wherein the preset operation comprises changing an owner of the digital currency to be paid and storing the identity verification information.

Optionally, the digital currency system further comprises a payment visible digital currency chip card and a collection visible digital currency chip card; the payment visible digital currency chip card is used for sending a payment request of digital currency to the collection visible digital currency chip card under the condition that the network connection with the commercial bank digital currency system is not established, and the payment request comprises the digital currency to be paid and the transaction amount; the collection visible digital currency chip card is used for initiating network connection to a commercial bank digital currency system after receiving the payment request, and sending the payment request to the commercial bank digital currency system under the condition of successful network connection; the commercial bank digital currency system is also used for sending a payment confirmation request containing the digital currency to be paid and the transaction amount to a central bank digital currency system according to the payment request, and the payment confirmation request is used for carrying out owner change on the digital currency to be paid; the central bank digital currency system is also used for executing preset operation according to the payment confirmation request and then informing the operation result to the collection visible digital currency chip card, wherein the preset operation comprises changing the owner of the digital currency.

Optionally, the digital currency system further comprises an acceptance terminal device; the acceptance terminal equipment is used for receiving deposit information input by external operation after establishing communication connection with the digital currency chip card and sending the deposit information to a commercial bank digital currency system, wherein the deposit information comprises deposit account information, digital currency chip card information and digital currency equivalent to deposit amount; the commercial bank digital currency system is also used for sending a request for changing the owner to the central bank digital currency system after receiving the deposit information; the central bank digital currency system is further configured to change the owner of the digital currency to the commercial bank and change the amount of the deposit account after receiving the request for changing the owner.

Optionally, the digital currency system further comprises an acceptance terminal device; the acceptance terminal equipment is used for receiving exchange information input by external operation after establishing communication connection with the digital currency chip card and sending the exchange information to a commercial bank digital currency system, wherein the exchange information comprises digital currency chip card information and digital currency equivalent to the exchange amount; the commercial bank digital currency system is further used for sending an owner changing request to the central bank digital currency system after receiving the exchange information; said central bank digital currency system further adapted to change an owner of said digital currency to said commercial bank upon receiving said request to change owner; the commercial bank digital currency system is further used for sending a control instruction to the acceptance terminal device, and the control instruction is used for outputting the paper money of the exchange amount; the acceptance terminal equipment is also used for outputting the paper money of the exchange amount according to the control instruction.

According to the technical scheme of the invention, the digital currency system with good convenience and high safety is realized, and the digital currency system can be applied to various application scenes of digital currency in reality, and is favorable for comprehensive popularization and use of the digital currency in the whole society.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the main flow of the operation of a prefabricated card in connection with an embodiment of the present invention;

FIG. 2 is a schematic diagram of a process for a user to register a D-RMB account in connection with an embodiment of the invention;

FIG. 3 is a schematic diagram of a D-RMB transaction process relating to an embodiment of the present invention;

FIG. 4A is a schematic diagram of the basic structure of a digital money system according to an embodiment of the present invention;

FIG. 4B is a diagram illustrating one configuration of an overall framework when the digital money system provides an online service according to the embodiment of the present invention;

FIG. 5 is a schematic diagram of a computer system included in a commercial bank digital currency system according to an embodiment of the present invention;

FIG. 6 is a schematic diagram of an architecture for interconnecting a commercial bank digital currency system with external systems, in accordance with an embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

In the embodiment of the invention, a digital currency (hereinafter referred to as D-RMB) design scheme based on crypto-mathematics is described, and the main operation mode is that a central bank and each commercial bank together build a D-RMB system in a grading way. The central bank here is a currency issuing organization, such as the chinese people's bank. In the following description, the central bank is sometimes simply referred to as "central bank", and similarly, the commercial bank is sometimes simply referred to as "business bank". Further, the digital money is denoted by "D _{Coin (coin)} ”。

The D-RMB system is based on D _{Coin (coin)} A funds transfer system for transactions operated jointly by a central bank with commercial banks. The D-RMB system includes a D running on a core server of a particular digital center _{Coin (coin)} Issuing, customer logging, customer account management, transaction managementA management, fraud detection, core service module, a terminal client program required to interact with the core server, such as a mobile phone and a notebook computer at a user end, and a D _{Coin (coin)} The funds-transfer system operates over an open form of electronic communications network, including the internet, mobile communications networks, and so on, nationwide. Before discussing the D-RMB system, it is clear that:

1. is compatible with the current physical currency circulation. The digital currency in the D-RMB system is stored through three links, namely a digital currency issuing bank at the central bank (namely digital currency fund); the bank of the commercial bank, namely the stock digital cash of the commercial bank; and thirdly, a client application program at the user end, namely the electronic wallet. During this different process, the D-RMB registration center will complete the relevant registration operation.

D-RMB digital currency does not use blind signatures. Limited anonymous protection during use.

The 3.D-RMB digital currency can be circulated by different networks, and can be stored in various electronic equipment terminals such as mobile phones, IC card chips, notebook computers and the like in an electronic digital form, and the discussion is mainly carried out by taking the mobile phones and the IC cards as carriers to store the D-RMB digital currency, but the D-RMB digital currency is not limited to only taking the mobile phones and the IC cards as the carriers.

The payment mode for the design of the D-RMB system is based on the transfer of digital money (D) _{Coin (coin)} Transaction).

And 5. the D-RMB system is subject to the relevant institutional requirements of cash management in China. The specific requirements are determined by the requirements of the business department.

6. To avoid a homogeneous competition with existing billing payment systems, the D-RMB system may be designed for limited-line payments.

To facilitate the subsequent description, the following notation is given:

enc: and encrypting, namely after downloading a private key from the IBC center, a user signs the sent information with the private key of the user and encrypts the information with the public key of the other party.

And Dec: and decrypting, specifically, the user decrypts the incoming text by using the own private key, and signs and confirms the information sent by the user by using the mobile phone number of the opposite party as a corresponding public key (or a direct public key).

D _Bank : the bank accounts for the reserve money opened by the central system of the central bank and used for accounting.

D _{Coin (coin)} : D-RMB digital currency generated by the finger row according to the own encryption mechanism is a string of characters and represents a certain amount of RMB.

D _{Coin 100} : D-RMB digital currency generated by the instruction row according to an own encryption mechanism is a string of numbers and represents 100 yuan RMB, and the like, and subscript numbers represent the actual RMB amount.

B _{Account number} : the bank account number of the bank where the user is located.

H (M): the hash operation is performed on M to obtain a value, where M may be a mobile phone number, an organization code, or a string of characters and numbers.

The D-RMB is used as digital currency, established by China's bank as legal currency, issued into circulation, and used as final credit to provide guarantee to participate in exchange, remittance and consumption in national standard architecture. It is a string of codes with the same monetary meaning as the "face value" in actual circulation. D-RMB digital currency simulates the issuing and management flow of paper currency in the central row, and the digital currency is generated once according to the issuing amount of the current digital currency in the central row in a D-RMB issuing bank.

In the design of D-RMB system, D _{Coin (coin)} The system can be generated according to the minimum unit denomination, the specific withdrawal amount of a user, the real-object currency denomination in circulation, and the specific mode which can be set in the initial process through system parameters. For the sake of closeness, the fixed denomination in circulation is taken as an example for the following explanation.

The D-RMB in the distribution library completely simulates the face value in circulation, the printing generates digital representation of 'one circle, five circle, puzzling circle, two puzzling circle, five puzzling circle, one herborist circle' and the like, and the encrypted text represents the D-RMB digital currency of the face value.

According to a fixed denominationD-RMB, e.g. D-RMB represented by the fifth set of production (if necessary: D) _{Coin 1} 、D _{Coin 5} 、D _{Coin 10} 、D _{Coin 20} 、D _{Coin 50} 、D _{Coin 100} ) Then:

step 1: six basic encryption ciphers are generated from the master cipher and the numbers 1, 5, 10, 20, 50 and 100, respectively.

Step 2: the system random number is generated by a hash algorithm. The random number may be understood as a crown number.

And step 3: the encryption password is generated by encrypting a basic encryption password representing different currency values and a random number.

And 4, step 4: the secret password is signed by the private key of the central row, and represents the generation of a new coin. If the payee wants to provide D representing 100 Yuan RMB _{Coin 100} Then, in the actual withdrawal process, the unique random number representing 100 yuan and the corresponding basic encryption password can be encrypted to generate an encryption ciphertext m, and then the secret key at the central row signs the m.

In the D-RMB system, there are a digital money issuing bank at the central bank, a digital money bank at a commercial bank, and an electronic wallet at a user side (e.g., a mobile phone). The basic content of digital money transfers includes:

(1) digital money is generated in the central row (i.e., digital money fund is generated) in a lump based on the total amount of issued digital money, and stored in the central row issuing bank.

(2) According to the demand application of the digital currency of the commercial bank, the digital currency is sent to a database for storing the digital currency of the corresponding commercial bank, namely the digital currency is sent from an issuing bank to a bank.

For example, 10 hundred million D-RMB are issued by the central row at a certain time according to the total amount of money issued, and these D-RMB are released in the issuing bank of the central row after being issued. Later, 2 billion of the 10 billion D-RMBs are extracted from the 10 billion D-RMBs according to the application of a certain bank, the extracted 2 billion D-RMBs are stored in the bank of the bank (the bank accounts for the deposit preparation money at the central bank are reduced by 2 billion, meanwhile, 2 billion D-RMBs are stored in the bank of the commercial bank, the operation of the bank accounts is equal to the payment of the current real money), and at the registration center, the owner corresponding to the digital money is changed from the central bank to the commercial bank, and the information of the corresponding operation flow and the like is recorded.

(3) When a user applies for extracting digital money, the digital money enters a storage medium (such as a mobile phone) of a user client from a bank to a circulation link, namely from the bank to an electronic wallet of the user. In the registration center, the owner corresponding to the digital currency is changed into the user by the commercial bank, and the information such as the corresponding operation flow is recorded.

(4) In the circulation link, the essence of the digital money is to transfer between the electronic purses of two users to complete payment, and the payment is divided into online transaction and offline transaction, and the detailed business process is analyzed in detail later. In the registration center, the owner corresponding to the digital currency is changed from the user 1 to the user 2, and information such as corresponding operation flow is recorded.

In the above digital money transfer process, the registration center of the D-RMB system needs to verify the validity of the transaction digital money, record the transaction flow and correct the new owner of the corresponding digital money, and register other required information (specifically determined by the business requirements).

If an IC card is used as a carrier, the operation of preparing a card still exists, and the main flow involved is as shown in fig. 1, and fig. 1 is a schematic diagram of the main flow of the operation of preparing a card according to the embodiment of the present invention.

As a card base D _{Coin (coin)} The safety vector of (1), in D _{Coin (coin)} Each link of circulation is to guarantee D _{Coin (coin)} The security of (1) has a certain reinforcing effect (a separate physical carrier IC card is also referred to as a 'D-RMB chip card' for short).

(1) Production of D-RMB chip cards

The production of D-RMB chip cards must be produced by a company certified by a central bank with production qualifications for which the quantity and quality of the production manufacture is strictly controlled by the central bank (or other departments authorized by the central bank). The enterprise qualification certification process comprises the following steps: submitting an application, examining and verifying materials, detecting a sample card, evaluating on site, authorizing qualification and the like.

(2) Personalization of D-RMB chip cards

The personalized data in the D-RMB chip card is generated by a central bank, and related departments are authorized to establish a personalized center to perform personalized operation on the newly produced D-RMB chip card.

(3) Issuing of D-RMB chip cards

The system can support real-name card issuing and anonymous card issuing.

Card issuing in a real name system: the D-RMB chip card is applied by the user, the card is issued in real name, the central bank authorizes the commercial bank to issue the card, the commercial bank checks the real name of the user and registers the related data, after the check is passed, the secondary card issuing is carried out on the D-RMB chip card of the central bank, and the personal information of the user is written into the D-RMB chip card.

Anonymous card issuing: the user directly applies the D-RMB chip card to the commercial bank, and the commercial bank can select whether to verify the identity information of the applicant according to the actual situation.

And the commercial bank selects the unique identification number of the D-RMB chip card or the mobile phone number of the user as the public key of the IBC of the user according to the actual situation, and further applies for the private key from the IBC authentication center.

The D-RMB system supports the selection of online or offline transactions using computer devices, mobile phones, POS, ATM, and Web as carriers, and the examples herein will be mainly described using mobile phones as carriers.

With regard to the mobile phone terminal, various unlocking settings such as digital passwords, graphic passwords and the like and power-on passwords can effectively protect the security of personal information on the mobile phone. With the coming of the smart phone era, various fingerprint mobile phones based on biological characteristics enter common consumer groups, different fingerprint encryption can be adopted according to different applications and different specific information, and the application of the new technologies can effectively ensure the storage safety of digital currency and related transaction information on the mobile phones.

In order to ensure the safety of the transfer of the digital currency between the mobile phones, a safety certification system needs to be introduced into the D-RMB system. The existing CA authentication center is utilized between the central bank and the financial institution, and social users (including individuals and enterprises) can utilize an Identity-Based cryptography (IBC) authentication center to perform Identity authentication.

For private keys and public keys in a central row generated in IBC and PKI, Secure Element (SE) is required to be stored in a Secure exclusive area of a mobile phone, and the SE area may be implemented by hardware (mobile phone Card change) or host Card emulation (hce). If the user adopts the card change to protect the secret key, the secret key is downloaded to the SE area of the mobile phone in the card change application process.

In the construction process of the authentication system, the PKI system can be designed according to the traditional PKI authentication system, the PKI system is uniformly established, a CA (certificate authority) provides a strong digital signature, the PKI system can also be designed according to an IBC (identity based certificate), and a user mobile phone number is taken as a public key to manage, so that the PKI system seems to be more convenient and fast especially for off-line payment of a tiny amount. All business introductions below will be explained in terms of IBC authentication. Fig. 2 is a schematic diagram of a process of registering a D-RMB account by a user in connection with an embodiment of the present invention, and fig. 3 is a schematic diagram of a D-RMB transaction process in connection with an embodiment of the present invention.

50-dollar digital currency D for online payment of user 1 to user 2 _{Coin 50} By way of example, reference to D during a transaction is illustrated _{Coin 50} Security protocol at transfer time. The user 1 logs in the APP application program of the mobile phone of the user to complete the identity authentication of both parties of the D-RMB system, and executes a transaction protocol after a session key is negotiated in an SSL mode. Taking a mobile phone number as an IBC public key as an example, at a mobile phone client of the user 1: the mobile phone client automatically selects 50 yuan of digital currency D _{Coin 50} The related information M | M is organized according to transaction rules, where M may be designed to: m | mobile phone number 1 | D |, transaction code | _{Coin 50} The payment amount | mobile phone number 2, the information segment is subjected to hash operation to obtain a message H (M), a private key pair H (M) corresponding to the mobile phone number 1 is used for signing to obtain M, and the M | M is sent to the D-RMB system in an encryption mode.

D-RMB system end: decrypting the message according to a protocol to obtain M | M, and verifying the validity of the message, namely verifying M and H (M) by using a public key, namely a mobile phone number 1, so as to prevent the message from being tampered in the transmission process; verification D _{Coin 50} If it is legal, the transaction rule and related information are read and the corresponding operation is executed, which includes the change of registration center after service verification _{Coin 50} And the owner changes the bound mobile phone number 1 into a mobile phone number 2 and records the corresponding running water. Sending D _{Coin 50} And the mobile phone 2 is given, and the successful transaction is prompted to the two parties.

In order to further enhance anonymity, the mobile phone number corresponding to the right of the registration center can be changed into the hash of the mobile phone number (i.e. borrowing the address of the bitcoin wallet, which consists of public key hash), which is specifically described as follows:

the client side organizes the message unchanged, and at the mobile phone client side of the user 1: automatic selection of 50-dollar digital currency D _{Coin 50} The related information M | M is organized according to the transaction rule, wherein M may be designed as a transaction code | mobile phone number 1 | D _{Coin 50} The payment amount | mobile phone number 2, the information segment is subjected to hash operation to obtain a message H (M), a private key pair H (M) corresponding to the mobile phone number 1 is used for signing to obtain M, and the M | M is sent to the D-RMB system in an encryption mode.

D-RMB system end: decrypting the message according to a protocol to obtain M | M, and verifying the validity of the message, namely verifying M and H (M) by using a public key, namely a mobile phone number 1, so as to prevent the message from being tampered in the transmission process; verification D _{Coin 50} If it is legal, the transaction rule and related information are read and the corresponding operation is executed, which mainly includes the change of registration center after service verification _{Coin 50} And the owner changes the bound H (mobile phone number 1) into H (mobile phone number 2), and records the corresponding running water. Sending D _{Coin 50} Giving the mobile phone 2 and prompting the successful transaction to the two parties.

With respect to system convenience design, in embodiments of the present invention, there are a variety of interfaces and portals for transactions. In the scene example process, only one entrance is used for example, if a registered user transacts business in a commercial bank, the user can directly log in the D-RMB system by taking a mobile phone, and the commercial bank can log in the D-RMB system.

Regarding the problem of the account password, whether the user needs to input the account password can be flexibly designed according to the business needs. Based on the D-RMB system being a micropayment system, the proposal may consider whether to set a password freely selected by the user. In the description of the embodiments of the present invention, the description is made without leaving a password, but in the implementation, the description may be made according to the actual situation.

Regarding the problem of the client application program, the user can download the corresponding client application program on the corresponding terminal (such terminal software is equivalent to a "wallet" tool), for example, the mobile phone user can download the D-RMB mobile phone terminal program (also called as mobile phone APP). The terminal program may be designed to include the following functions:one is D _{Coin (coin)} And (5) management functions. (1) The terminal program can automatically count all D _{Coin (coin)} An amount; (2) can automatically find D in the wallet according to the amount of money input by the user _{Coin (coin)} Combining and automatically selecting the matched D in the payment process _{Coin (coin)} Performing a transaction; (3) after the transaction is completed, D which will participate in the expenditure automatically _{Coin (coin)} Deleting; (4) the digital currency which is not checked on line in the central row in the 'wallet' can be automatically distinguished from the checked and registered digital currency. The second is to complete the service functions required by the service, such as online registration application, extraction, payment, cashing, offline payment request and the like, and automatically complete operations of public key encryption, private key signature and the like in the transaction process.

In general, the core elements of the D-RMB system are a currency, two types of libraries and three centers:

one type of coin, namely "D-RMB", also known as D _{Coin (coin)} In particular to a series of encrypted digits representing a specific amount signed by a central row.

Two types of libraries: respectively an issuing bank and a banking bank of the D-RMB. The digital currency is presented as digital currency fund at the central row in an issuing bank; the digital currency is presented in the bank vault as digital cash in stock by the commercial bank.

Three centers: the first is a registration center (including currency generation, circulation, counting, check and death whole process record); the other two are the certification centers, namely the CA certification center (Based on the PKI system, centralized management of the certificates of organizations and users, such as CFCA) and the IBC certification center, namely the certification center established Based on the cryptographic technology of identification (Identity-Based cryptography). Two tables can be designed in the registration center, one is a digital currency ownership registration table for recording the ownership of digital currency, and the other is a transaction flow meter.

The identity-based cryptosystem IBC in the embodiment of the invention can directly take the identity of the user as a public key, and the authentication of the public key is not dependent on a certificate any more, thereby simplifying the use and management of the public key, and having the advantages of no directory, convenient use, easy maintenance and the like.

For the identity identification, the individual user can adopt a mobile phone number, and also can adopt an E-mail address matched with the mobile phone or other converted character strings, so that the individual user can conveniently memorize the identity identification, and other people can not know the identity identification), and the purpose of controllable anonymity can be achieved. Enterprise users may use an organization code or a custom code as an identity identifier of the IBC center, and the identity identifier is used as a public key, which is described in the following examples only by using a mobile phone number as an example.

The D-RMB system is a hierarchical system, namely, a central bank and each commercial bank are built together, the central bank digital currency system is a computer system which is operated and maintained by the central bank or a designated organization of the central bank and is used for processing information about digital currency, the main functions of the central bank digital currency system comprise the responsibility for issuing and verifying and monitoring the digital currency, the commercial bank is a computer system which is operated and maintained by the commercial bank or the designated organization of the commercial bank and is used for processing the information about the digital currency, the commercial bank performs various functions about the currency of the existing bank, namely bank functions, and the D-RMB system mainly comprises the responsibility for directly facing the society after applying for the digital currency from the central bank, and meets various requirements for providing digital currency circulation services.

Fig. 4A is a schematic diagram of the basic structure of a digital money system according to an embodiment of the present invention. As shown in fig. 4A, the digital money system 40 includes a central bank digital money system 41 for generating and issuing digital money, and right registration of digital money, a commercial bank digital money system 42 (in practice, a plurality of commercial bank digital money systems, only 1 shown in the figure as an example), and an authentication system 43; the commercial bank digital currency system 42 is for performing banking functions on digital currency; the authentication system 43 is used to provide authentication for the interaction between the central bank digital currency system 41 and the terminal device 49 used by the user of the digital currency, and to provide authentication for the interaction between the central bank digital currency system 41 and the commercial bank digital currency system 42.

Fig. 4B is a schematic diagram of one structure of an overall framework when the digital money system provides an online service according to the embodiment of the present invention. In the overall framework shown in fig. 4B, the core of the D-RMB digital currency operation is the commercial bank digital currency system, and the central bank D-RMB system is connected to the merchant bank D-RMB system and is responsible for transaction confirmation. The business D-RMB system and the central row D-RMB system can fully utilize advanced cloud technology to carry out decentralized deployment, and meanwhile, the business D-RMB system is interconnected and communicated with the internal systems thereof.

As can be seen from the figure, the commercial bank digital currency system is connected with other networks or systems at a core position, and can be constructed by applying the technology of 'cloud computing'. The D-RMB digital currency system supports network data of various protocols, such as Virtual Private Networks (VPNs), private lines, satellite networks, Public Switched Telephone Networks (PSTN), global system for mobile communications (GSM), Public Land Mobile Networks (PLMNs), and different networks can be directly or indirectly connected with the central server.

The business digital currency system is connected with a central bank registration center and also comprises four basic functional modules: the system comprises an electronic wallet function module for automatically tracking the amount of D-RMB digital money owned by an account, a supervision function module for automatically tracking the transfer of the D-RMB digital money among all parties and identifying suspicious transactions, an electronic banking function and a Customer Relationship Management (CRM) function module.

The logical layout of the server in the commercial bank digital currency system adopts a three-layer architecture mode: namely, the presentation layer, namely, the front-end application system 200; a back-end application system 202, also called a session layer, an application layer, or a transaction logic layer; the background database 204 is a data layer. A corresponding physical machine deployment block diagram is shown in fig. 5, and fig. 5 is a schematic diagram of a computer system included in a commercial bank digital currency system according to an embodiment of the present invention.

The front-end application 200 is an application, such as a Web application, that runs a user's direct interaction with a money transfer service operator, and is deployed here as a Web server cluster. The user and money transfer service operator interact with these applications through a user interface, such as a personal computing device 114 and a mobile device. The user can access the functions of the electronic wallet, the supervision function, the virtual bank function and the CRM function through the entrance. Open source software such as apache can be adopted on the Web server.

The back-end application system 202 is mainly used to support the back-end functions of the front-end application system 200, such as data access, business logic processing, and the like. This area deploys the application servers. D-RMB digital currency can use JBOSS tool under Red Hat open source system to develop applications.

The back-office database 204 is essentially a database management system DBMS that includes a data repository that stores sales transactions for transferring money, customer profiles, and other data needed to track and regulate the central bank digital money system for D-RMB digital money transfers. The D-RMB digital currency system can be designed using Oracle's DBMS as a database system.

The digital currency system of the business department can be interconnected with an external system, and an alternative architecture is shown in fig. 6, and fig. 6 is a schematic diagram of an architecture for interconnecting the digital currency system of the commercial bank with the external system according to the embodiment of the invention.

The above figure illustrates the physical and logical layout of a commercial bank digital currency system with various external system adapters including central bank central servers, other commercial bank digital currency systems. There are monetary transaction data adapters, cell phone service provider SMS gateway adapters, retailer system adapters, ATM data supply system adapters, etc. by means of this interconnection the central server can accept digital monetary transfer requests and responses from each type of entity. Fig. 6 illustrates well the support of the D-RMB digital currency system to various channels, different protocol networks, which is also a manifestation of its open nature.

The following describes various business processes of operating the D-RMB by taking a user mobile phone as a terminal mode and a mobile phone number as an identity, and mainly describes the processes of downloading and logging, extracting, paying, depositing, cashing and the like by a client side and a face-to-face transaction mode. The client login, extraction and cashing processes of the user require that the user needs to complete in an online state, the payment process can be divided into online payment and offline payment, so a plurality of scene states and corresponding processes are formed, and the aim of each process is achieved by a series of operation steps. In addition to the mobile phone, other intelligent terminals which may appear at present and in the future can be used as carriers of the D-RMB and perform various service processes.

The outline of the flow (hereinafter, "flow description") and the scene state (hereinafter, "scene description") and the steps for realizing the flow in the scene (hereinafter, "step description") will be described one by one below.

About the downloading and logging of the user client, the following processes are executed:

description of the flow: the user downloads an APP installation program provided by a commercial bank through a mobile phone to log in the D-RMB system process.

Scene description: and a qualified commercial bank (such as an industrial and commercial bank) is connected with the CA authentication center, the IBC authentication center and the registration center to provide digital currency services for the user. The user downloads an APP installation program provided by the commercial bank through the mobile phone to log in the commercial bank D-RMB system.

Description of the steps:

step 1, a user logs in a D-RMB system page of a business (such as a Chinese industrial and commercial bank) by a mobile phone, downloads a mobile phone APP installation program provided by the commercial bank, and can directly log in a user with an existing account number (IBC authentication center); for a new user, account initialization operation needs to be performed first;

step 2, initialization: inputting related information (such as name, address, e-mail address, mobile phone number, identity card number, registered account number, namely mobile phone number) into a page, and clicking to send the information;

step 3, commercial bank: and connecting an IBC authentication center, creating a unique account number of the D-RMB digital currency system for the user, and verifying the uniqueness of the account number at the IBC authentication center. An individual user can adopt a mobile phone number to generate a user initial login password and send the user initial login password to a user mobile phone; the IBC center generates a private key of a user according to the mobile phone number, the public key is the mobile phone number of the user, and the public key is used as an account number for transaction circulation;

step 4, the user mobile phone end: and activating an account after receiving the initial login password, downloading a user private key and a public key of a central bank to a mobile phone security protection area, and modifying the login password by logging in the mobile phone APP again to complete initialization.

If the user applies for changing the mobile phone card, the key can be pre-planted in the SE area of the card in advance.

The extraction process is described below.

Description of the flow: user applies for D-RMB system by mobile phone _{Coin (coin)} 。

Scene one: drawing D from commercial Bank Account _{Coin (coin)} 。

Scene two: redeeming for cash D _{Coin (coin)} 。

The following are described separately.

Scene one: drawing D from commercial Bank Account _{Coin (coin)} For example, the user takes 250 yuan from his own bank account to exchange D _{Coin (coin)} 。

Description of the steps:

step 1, a user logs in a mobile phone APP, selects a function of 'extracting digital currency', selects an industrial and commercial bank, inputs factors such as a bank account number, a required amount (such as 250 yuan), an account password and the like, and clicks 'send';

step 2. commercial bank (i.e. commercial bank digital currency system implementation, the same applies below): verifying the validity of the account, e.g. verifying the account password, whether the balance of the user's fund account, i.e. account number B, is sufficient, and D in bank _{Coin (coin)} Whether sufficient payment is paid, etc.; after the verification is passed, the slave B _{Account number} Deduct 250 yuan, draw D in bank _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} (ii) a Organizing related information according to transaction rules to send a request to a D-RMB system in a central row;

step 3, central bank (namely, central bank digital currency system execution, the same as below): interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} Whether the owner is a business bank, etc.), perform the relevant operations, the register center (i.e., the register center of the central bank digital currency system performs, the same as follows): change D _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} The owner changes the bound industrial and commercial bank code into the wallet address of the user, namely, the public key is hashed, and in addition, the public key can be set by the user; recording the corresponding transaction flow;

and 4, commercial bank: will D _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} And sending the information to the mobile phone of the user to finish corresponding internal operation and sending a prompt message of successful transaction to the user.

The process is not only a user withdrawal process, but also a process of the D-RMB digital currency from a bank to a user side, namely a process of entering legal digital currency into the circulation field.

Scene two: redeeming for cash D _{Coin (coin)} For example, a user may take 250 dollar cash to a commercial bank (e.g., an industrial and commercial banking site) to convert D _{Coin (coin)} 。

The steps are as follows:

step 1, a user submits a 250 Yuan cash application to a commercial bank such as a certain website of a working bank to exchange D with corresponding amount _{Coin (coin)} ；

Step 2, commercial bank: checking cash, verifying relative legitimacy (e.g. in bank D) _{Coin (coin)} Whether enough payment is paid, etc.), finish the accounting of the own internal system, draw the bank D _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} (ii) a Organizing related information according to transaction rules to send a request to a D-RMB system in a central row;

step 3, the central bank: decipher transaction rules and related information, verify related legitimacy (e.g. D) _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} Whether the owner is a business bank, etc.), executing relevant operations, and registering a center: change D _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} The owner changes the bound industrial and commercial bank code into a user wallet address; recording the corresponding transaction flow;

The payment process is explained below. First, an online payment process is explained.

Description of the flow: the user carries out online payment process to other users (P2P) through the mobile phone.

Scene description: the online payment relates to two scenes of full payment and change payment. Payment user 1 (mobile phone number 1) has digital goodsCoin D _{Coin 100} ，D _{Coin 100} '，D _{Coin 50} Two pieces of 100 yuan and one piece of 50 yuan, respectively, of which the total is 250 yuan, are paid to the payee 2 (mobile phone number 2) and 200 yuan, and are paid to the other payee 3 (mobile phone number 3) and 30 yuan. User 1 pays user 2 a full payment and user 1 pays user 3 a change payment. The payment for change can be the same as the physical currency, and the user 3 needs to have D _{Coin 20} Firstly, 50 yuan is paid to the user 3 by the user 1, and then 20 yuan is paid to the user 1 by the user 3, namely, the payment is realized by two whole money payments, or the user 1 firstly applies for change exchange to a D-RMB system and then selectively combines the exchanged change to pay the whole money to the user 3

Description of the procedure (Payment of the entire money):

step 1, a payment user 1 logs in a mobile phone client APP, selects a function 'payment', and inputs: the payment amount (e.g., 200 dollars), the payee phone number (e.g., phone number 2), and click "send".

Step 2, the mobile phone client (namely the mobile phone client executes, the same as below): automatically selecting digital currency D with total amount of 200 yuan _{Coin 100} '、D _{Coin 100} And organizing the relevant information according to the transaction rules and sending the relevant information to the D-RMB system of the commercial bank.

Step 3, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} '、D _{Coin 100} Legality, whether the transaction amount is consistent with the digital currency value, whether the user 2 is a registered user, and the like), executing corresponding operation, and reorganizing the message according to transaction rules to send a request to a D-RMB system in the central row;

step 4, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} ，D _{Coin 100} ' owner is user 1, etc.), performs the relevant operations, the registration center: change D _{Coin 100} ，D _{Coin 100} The owner changes the bound user 1 wallet address into a user 2 wallet address; recording the corresponding transaction flow;

step 5, commercial bank: sending D _{Coin 100} '、D _{Coin 100} To user 2 handset and to user 1 and user respectivelyAnd the user 2 sends prompt information of successful transaction on the mobile phone.

Step (pay after change exchange):

step 1, a user 1 logs in a mobile phone client APP, selects a function of 'change of change', selects a change exchange bank (such as an industrial and commercial bank), and inputs: exchange amount (such as 50 yuan), value requirement (such as two 20 yuan and one 10 yuan); click "send";

step 2, the mobile phone client: automatic selection of 50-dollar digital currency, e.g. D _{Coin 50} Organizing related information according to transaction rules and sending the related information to a business D-RMB system;

step 3, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 50} Legitimacy, whether the transaction amount is consistent with the currency value of the digital currency, and the like), executing corresponding operation, and storing in a bank: receive D _{Coin 50} Draw D _{Coin 20} 、D _{Coin 20} '、D _{Coin 10} (ii) a Reorganizing the message according to the transaction rule to send a request to a D-RMB system in a central row;

step 4, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 20} 、D _{Coin 20} '、D _{Coin 10} And D _{Coin 50} Whether the owner is legal, etc.), perform the relevant operations, the registration center: change D _{Coin 20} 、D _{Coin 20} '、D _{Coin 10} And D _{Coin 50} Owner, will be _{Coin 50} The bound mobile phone number 1 is changed into an industrial and commercial bank code D _{Coin 20} 、D _{Coin 20} '、D _{Coin 10} Changing the bound industrial and commercial bank code into a user 1 wallet address; recording the corresponding transaction flow;

and step 5, the commercial bank: sending D _{Coin 20} 、D _{Coin 20} '、D _{Coin 10} And sending the information of successful transaction to the mobile phone of the user 1.

The payment process to the user 3, i.e. the full payment, is:

step 6, the payment user 1 logs in the mobile phone client APP, selects the function 'payment', and inputs: payment amount (e.g., 30 dollars), payee phone number (e.g., phone number 3), click "send".

Step 7, mobile phone clientThe user side: automatically selecting digital currency D with total amount of 30 yuan _{Coin 20} And D _{Coin 10} And organizing the relevant information according to the transaction rule and sending the information to the D-RMB system of the commercial bank.

Step 8, commercial bank: decipher transaction rules and related information, verify related legitimacy (e.g. D) _{Coin 20} 、D _{Coin 10} Legality, whether the transaction amount is consistent with the digital currency value, whether the user 3 is a registered user, and the like), executing corresponding operation, and reorganizing the message according to transaction rules to send a request to a D-RMB system in the central row;

step 9, the central bank: decipher transaction rules and related information, verify related legitimacy (e.g. D) _{Coin 20} 、D _{Coin 10} Whether the owner is user 1, etc.), perform the relevant operations, the registration center: change D _{Coin 20} 、D _{Coin 10} The owner changes the bound wallet address of the user 1 into a wallet address of the user 3; recording the corresponding transaction flow;

step 10, commercial bank: sending D _{Coin 20} 、D _{Coin 10} And sending prompt information of successful transaction to the mobile phones of the user 1 and the user 3 respectively.

The offline payment process is described below. The offline payment defined in the hierarchical D-RMB system still refers to near-field payment, in which the receiving party has to confirm the collection online afterwards. That is, in the off-line payment process, the receiving user is right to receive D _{Coin (coin)} When the authenticity of the digital currency can be verified, the pair D is still required _{Coin (coin)} A verification confirmation is made whether the payment is repeated. The system can be designed as follows: d requiring repeated payment verification _{Coin (coin)} Identified as "to-be-repeated payment verification" in the client-side electronic wallet program (such as the mobile phone APP), the mobile phone APP automatically makes a repeated payment verification application to the D-RMB system of the commercial bank once the network is detected. The D-RMB system of commercial bank receives the verification request to execute corresponding forwarding operation, registers the central supplementary record transaction flow in the D-RMB system of the central bank, and updates D _{Coin (coin)} Owner of the disease. If the payee is not a registered user of the D-RMB system, the system may also record a withdrawal password reserved by the payee, as will be described in detail below.

Scene description: according to whether the payee is a registered user, two scenes are used for discussion. Payer 1 (mobile phone number 1) has digital currency D _{Coin 100} ，D _{Coin 100} '，D _{Coin 50} Two pieces of 100 yuan and one piece of 50 yuan, which are respectively represented as 250 yuan, are paid to the payee 2 (mobile phone number 2)200 yuan offline and to the other payee 3 (mobile phone number 3)50 yuan offline. The user 2 is a registered user of the D-RMB system of the commercial bank, the user 3 is not registered, and only the D-RMB client of the commercial bank is downloaded on the mobile phone 3.

Description of the procedure (payer and payee are both registered users):

step 1, a paying user 1 logs in a mobile phone client APP, selects a function of 'off-line payment to a registered user', and inputs: payment amount (e.g., 200 yuan), payee phone number (e.g., phone number 2), click "pay";

step 2, the mobile phone client of the user 1: selecting digital currency D with total sum of 200 yuan _{Coin 100} '、D _{Coin 100} And related information is organized according to the transaction rule and is sent to the mobile phone 2 in a near field payment NFC mode.

To payee's mobile phone number, D before NFC transmission _{Coin (coin)} And the related transaction information is signed by the IBC private key of the payer, and encrypted and transmitted by the mobile phone number of the payee.

Step 3, the mobile phone client of the user 2: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} '、D _{Coin 100} Validity, transaction amount is matched, etc.), the user who is to be signed by the payer 1 in the online state and who contains D _{Coin (coin)} The payment transaction information is reported to a commercial bank D-RMB system;

step 4, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} '、D _{Coin 100} Legality, whether the transaction amount is consistent with the digital currency value, whether the user 2 is a registered user, and the like), executing corresponding operation, and reorganizing the message according to transaction rules to send a request to a D-RMB system in the central row;

step 5, the central bank: interpreting transaction rulesAnd associated information, verifying the legitimacy of the association (e.g. D) _{Coin 100} ，D _{Coin 100} ' owner is user 1, etc.), performs the relevant operations, the registration center: change D _{Coin 100} ，D _{Coin 100} The owner changes the bound user 1 wallet address into a user 2 wallet address; recording the corresponding transaction flow;

step 6, commercial bank: and respectively sending transaction prompt information to the mobile phones of the user 1 and the user 2. User 2 handset D _{Coin 100} '、D _{Coin 100} The state of (2) is normal.

Step (payee is a non-registered user):

step 1, a paying user 1 logs in a mobile phone client APP, selects a function of off-line payment to a non-registered user, and inputs: payment amount (such as 50 yuan), payee mobile phone number (such as mobile phone number 3), pin code left by payee (input by user 3 for verifying the identity of the payee), click "send";

step 2, the mobile phone client of the user 1: selecting digital currency D with total sum of 50 yuan _{Coin 50} And related information is organized according to the transaction rule and is sent to the mobile phone 3 in a near field payment (NFC) mode.

Step 3, the mobile phone client of the user 3: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 50} Legitimacy, transaction amount match, etc.), automatically signing with the payment user in an online state, including D _{Coin (coin)} The payment transaction information and the related information of the personal reserved password are reported to the commercial bank D-RMB system;

and 4, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 50} Legality, whether the transaction amount is consistent with the digital currency value, whether the user 3 is a registered user, and the like), executing corresponding operation, and reorganizing the message according to transaction rules to send a request to a D-RMB system in the central row;

step 5, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 50} Whether owner is user 1, etc.), performs the relevant operations, leaves the password of the payee, the registration center: change D _{Coin 50} Owner, change the bound user 1 wallet address into user3, the address of the wallet; recording the corresponding transaction flow;

step 6, commercial bank: and sending prompt information to both parties.

The user 3 can reserve the password to a commercial bank or an ATM for cashing by himself, and the process is the same as the cashing process.

The D-RMB system is defined to allow only one off-line transaction for the user. That is, when the selection function "pay offline to the unregistered user", the mobile phone client determines whether the user receives the prompt message sent by the commercial bank in step 6 in the description of the offline payment step of the last offline transaction, and if not, it indicates that the last offline payment is not completely completed, and at this time, the mobile phone client rejects the user selection function "pay offline to the unregistered user", and continues to wait for completion of the offline payment, and then allows the user selection function "pay offline to the unregistered user", which is helpful to avoid a large amount of malicious offline payments.

In the off-line payment process, as the change issue is completely simulated, the change can be made like a cash transaction. If the digital money is issued in minimum units, there is no change problem.

The deposit and redemption process is described below.

Description of the flow: user will D _{Coin (coin)} And the money is stored into a bank account or is converted into physical cash.

Scene description: user (mobile phone number 1) stores D in mobile phone client _{Coin 100} Exchanging into physical cash 100 yuan, and converting D on the mobile phone client _{Coin 100} 'deposit 100 dollars on the user's bank account B.

Description of the procedure (redemption):

step 1, a user logs in a mobile phone client APP, selects a function 'cash-in', and inputs: cash amount (e.g. 100 yuan), click "send"; if the user is a non-registered user, a withdrawal password is required to be input;

step 2, the mobile phone client: automatic selection of digital currency D with the amount of 100 yuan _{Coin 100} Organizing related information according to transaction rules and sending the related information to a commercial bank D-RMB system;

step 3The commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} Legality, whether the transaction amount is consistent with the digital currency value, whether the user is a registered user, and the like), executing corresponding operation, and reorganizing the message according to transaction rules to send a request to a D-RMB system in the central bank;

step 4, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} Whether owner is user 1 wallet address, etc.), the system generates a one-time identification code (for withdrawal), performs the associated operations, the registry: change D _{Coin 100} The owner changes the bound wallet address of the user 1 into a central line code and records corresponding transaction running water; issuing a library: receive D _{Coin 100} (ii) a Feeding back the one-time code and other related information to the D-RMB system of the commercial bank;

and step 5, the commercial bank: feeding back a one-time code and prompt information to a user;

step 6, the user withdraws cash from any ATM or commercial bank by the aid of the last one-time identification code of the mobile phone;

step 7, taking the user to the commercial bank counter for getting the current, the commercial bank counter inputs the disposable identification code provided by the user and the bank code of the commercial bank counter, sends the transaction information to the D-RMB system of the central bank, the system judges the condition according to the disposable identification code, if the check is passed, the D-RMB system judges the condition of the transaction information according to the disposable identification code, if the check is passed, the D-RMB system sends the transaction information to the central bank _Bank The account is billed for 100 yuan more. And feeds the related result back to the commercial bank;

step 8, commercial Bank D _Bank And after the amount of money on the account is increased by 100 yuan, paying cash to the user.

If the user inputs the one-time identification code and his own bank code into the ATM, the ATM sends the transaction information to the D-RMB system of the central row, if the transaction information passes the check, the system judges the condition of D according to the one-time identification code, if D passes the check, then D is checked _Bank The account is billed for 100 yuan more. And the related result is fed back to the ATM, and the ATM can send out the banknotes for 100 yuan.

It can also be designed that a certain commercial bank (such as an industrial and commercial bank) user can be cashed only in the range of the bank, and the specific steps are as follows:

step 1, a user logs in a mobile phone client APP (business D-RMB system client), selects a function 'home bank cashing', and inputs: cash amount (e.g. 100 yuan), click "send";

step 2, the mobile phone client: automatic selection of digital currency D with the sum of 100 yuan _{Coin 100} Organizing related information according to transaction rules and sending the related information to a commercial bank D-RMB system;

step 3, commercial bank: decipher transaction rules and related information, verify related legitimacy (e.g. D) _{Coin 100} Legitimacy, whether the transaction amount is consistent with the value of the digital currency, whether the user is a registered user, and the like), the system generates a one-time identification code (for withdrawing money), executes corresponding operation, and the bank: receive D _{Coin 100} (ii) a Reorganizing the message according to the transaction rule to send a request to a D-RMB system in a central row;

step 4, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} Whether the owner is the user 1 wallet address, etc.), performs the relevant operations, the registration center: change D _{Coin 100} The owner changes the bound wallet address of the user 1 into a commercial bank code and records the corresponding transaction flow; the commercial bank D-RMB system feeds back transaction information;

step 6, the user finds cash from any ATM and network point where the industrial and commercial bank belongs by the disposable identification code on the mobile phone;

and 7, taking the case that the user gets cash from the counter of the industrial and commercial bank as an example, the counter inputs the disposable identification code provided by the user, finds the corresponding cash register in the D-RMB system of the bank, verifies the necessary conditions, executes related operations if the verification is passed, prints corresponding certificate and pays cash to the user on the counter.

Description of the procedure (deposit):

step 1, a user logs in a mobile phone client APP, selects a function deposit and inputs: commercial bank account number B _{Account number} 、D _{Coin (coin)} Amount (e.g., 100 dollars), click "send";

step 2, the mobile phone client: automatically selecting the amount of money as100-yuan digital money D _{Coin 100} ', organizing related information according to transaction rules and sending the information to a D-RMB system of a commercial bank;

step 3, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} ' validity, whether the transaction amount corresponds to the digital currency value, whether the user is a registered user, etc.), corresponding operations are performed, the bank: receive D _{Coin 100} '; reorganizing the message according to the transaction rule to send a request to a D-RMB system in a central row;

step 4, the central bank: decipher transaction rules and related information, verify related legitimacy (e.g. D) _{Coin 100} Whether the owner is the user 1 wallet address, etc.), performs the relevant operations, the registration center: change D _{Coin (coin)} The owner changes the bound wallet address of the user 1 into a commercial bank code and records the corresponding transaction flow; feeding back transaction information;

and step 5, the commercial bank: for user B _{Account number} The account is billed for 100 yuan more. And feeding the related result back to the mobile phone of the user;

step 6, the mobile phone client: and prompting that the transaction is successful.

Repetitive transaction detection is described below. In the case of online transactions, the D-RMB system passes through D _{Coin (coin)} And the user account is bound to prevent repeated transactions. The registration center in the D-RMB system has a rights registration form, and the record form pattern can be designed as shown in Table 1:

TABLE 1

Digital currency name	Owner of an animal	Remarks for note
			Pbc100adfkl09987766670	138xxxxx 001	D _{Coin 100}
……	……	……
			Pbc50cadfkl09987766670	137xxxxx 002	D _{Coin 50}

User 1 (mobile phone number 138xxxxx001) is paying for D to user 2 (mobile phone number 138xxxxx002) _{Coin 100} In the process, the D-RMB system registers a central ownership registration form: modification of D _{Coin 100} Corresponding to the owner, the wallet address of the original mobile phone number 138xxxxx001 in the owner field is changed into the wallet address of the mobile phone number 138xxxxx002, if the user 1 also wants to use D _{Coin 100} The payment to other users, whose owner is not the user 1, can not be completed, thereby preventing the repeated payment.

If the registry authority ownership registry represents the owner with a public key hash in the D-RMB system, the registry authority ownership registry can be designed as table 2:

TABLE 2

Assuming that H (138xxxxx001) has a value of 1Xadcfdgdadg and H (138xxxxx002) has a value of 2xcfdald3xgdf, user 1 (mobile phone number 138xxxxx001) pays for D to user 2 (mobile phone number 138xxxxx002) _{Coin 100} In the process, the D-RMB system registers a central ownership registration form: modification D _{Coin 100} Corresponding to the owner, change 1Xadcfdgdadg in the owner field to 2xcfdald3xgdf if user 1 wants to use D _{Coin 100} The payment to other users, whose owner is not the user 1, can not be completed, thereby preventing the repeated payment.

In the case of offline transactions, repeated payment checks are discovered and relied upon with lag, and at present, repeated payment checks performed by almost all electronic cash systems are delayed, i.e., they are performed after the payment process is completed.

Meanwhile, the transaction set by the user is a small payment (less than 1000 yuan), the transaction is an acceptable range for an individual user, and bad records are input into a credit system to be punished by adopting a posterior responsibility tracing mechanism.

The explanation of various service flows for operating the D-RMB is carried out in a mode that a user mobile phone is used as a terminal and a mobile phone number is used as an identity. The business process of using IC card as digital currency carrier is described below.

The central server of the central bank is provided with an issuing bank, and the commercial bank end is provided with a bank. In the description of the business process of the simulation scenario, the "commercial bank" is used as a general term for the D-RMB system at the commercial bank end and the related systems therein, and the "central bank" is used as a general term for the D-RMB system at the central bank end and the related systems therein. The following is to explain the face-to-face transaction by using the D-RMB card as a carrier according to four important processes of registration (namely applying for getting the card), extraction, payment, deposit, cashing and the like.

The application, extraction, deposit and cashing of the D-RMB card of the user are all required to be completed in an online state, and the payment process can be divided into online payment and offline payment. After the user takes the D-RMB chip card in a safe way, the D-RMB chip card can be stored with the D _{Coin (coin)} . The D-RMB chip card contains an integrated circuit and a storage medium, and can be made into a single card with a standard size (such as the size of a bank card currently used) or can be integrated into other chips or cards in the manufacturing process of the integrated circuit. For example, the D-RMB chip card can be in the following forms: the mobile phone is in a visible Bluetooth IC card form (hereinafter referred to as a visible IC card), an IC card form (namely, a common IC card), a mobile phone-eSE form (namely, a mobile phone embedded IC card), a mobile phone-secure SD card form (namely, a built-in secure SD card) and a mobile phone-SIM card form. In addition, the mobile phone-cloud SE form can also be used as a carrier of the D-RMB and is not limited to a chip card. The following incorporates a concrete scenarioTo describe D _{Coin (coin)} And indicate the applicable D-RMB chip card morphology in the corresponding scenario (hereinafter "full morphology" is used to refer to all D-RMB chip card morphologies mentioned above).

(1) Application of D-RMB chip card

Description of the flow: the user applies for the D-RMB chip card to the counter of the commercial bank.

The D-RMB chip card form is applicable: all form

Scene description: but not shown.

Description of the steps:

step 1, a user arrives at a counter of a commercial bank, submits information of related identity documents and applies for a D-RMB chip card;

step 2, commercial bank: registering a page of a D-RMB system, inputting related information (such as name, address, e-mail address, mobile phone number, identity card number, card number and the like) of an applicant and a card, creating a D-RMB account number for the user in a D-RMB system of a commercial bank, and sending the D-RMB account number to a D-RMB system (IBC authentication center) of a central bank; the D-RMB chip card can be designed to be completely anonymous and if it is safe anonymous, no applicant identity information has to be entered. The card number and the identity information of the applicant are bound in the background according to a controllable anonymous design.

Step 3, the central bank: the uniqueness is verified at the IBC center (here, the card number is taken as an example of the account number). IBC center: generating a private key of a user according to the card number, wherein the public key is the D-RMB chip card number, and the public key is used as an account number for transaction circulation;

and 4, commercial bank: and (4) operating according to the transaction prompt, downloading the private key and the public key of the central bank of the user to a D-RMB chip card protection area (card writing and embedding the secret key), finishing initialization of the card, delivering the card to the user, finishing the registration of the important certificate and finishing the transaction.

(2) Extraction process

Description of the flow: conversion of physical cash or its bank account assets into D by user _{Coin (coin)} And writing into the card. The first extraction process also includes a D-RMB chip card application process, and some processes, scenarios, and steps after the user has received the card are described below.

Withdrawal D in cash _{Coin (coin)} In fact, D _{Coin (coin)} The exchange of (c) is described below.

Description of the flow: user physical cash withdrawal D _{Coin (coin)} To D-RMB chip cards

Scene description: redeeming for cash D _{Coin (coin)} For example, the user takes 250 yuan of cash to ATM or a counter of a commercial bank (such as a branch office) to exchange D _{Coin (coin)} The operation of the cabinet will be described as an example.

The D-RMB chip card form is applicable: all form

Description of the steps:

step 1, a user submits a D-RMB chip card and 250 yuan of cash to a commercial bank such as a certain website of a bank to request for exchanging D with corresponding amount _{Coin (coin)} ；

Step 2, commercial bank: counting cash, verifying the validity of the association (e.g. in bank D) _{Coin (coin)} Whether enough payment is paid, etc.), finish the accounting of the own internal system, draw the bank D _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} (ii) a Organizing related information according to transaction rules to send a request to a D-RMB system in a central row;

step 3, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} Whether the owner is a business bank, etc.), executing relevant operations, and registering a center: change D _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} The owner changes the bound industrial and commercial bank code into a wallet address corresponding to the D-RMB chip card; recording the corresponding transaction flow;

and 4, commercial bank: will D _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} Writing the data to a D-RMB chip card of the user, finishing corresponding internal operation, and successfully printing a receipt in a transaction.

The ATM flow is substantially the same.

Except for converting physical cash into D _{Coin (coin)} Writing into the card, transferring accounts from the user bank account, and extracting D _{Coin (coin)} To D-RMB chip cards. This will be explained below.

Description of the flow: user slave B _{Account number} Middling transfer extractionD _{Coin (coin)} To D-RMB chip cards.

The D-RMB chip card form is applicable: all form

Scene description: user accounts for business bank B _{Account number} Middle transfer 250 yuan D _{Coin (coin)} To D-RMB chip cards, operable with commercial bank counters, ATM machines or the like to hold their own bank account B _{Account number} Converting 250 yuan into D _{Coin (coin)} Written into a D-RMB chip card. The card reading and writing equipment of different channels are different, the general flow is the same, the description is not made one by one, and the bank counter operation is only taken as an example for description.

Description of the steps:

step 1, a user: 250 yuan extraction D to counter teller of commercial bank _{Coin (coin)} Applying for, submitting bank card and D-RMB chip card, filling out related documents, and inputting B _{Account number} An account password;

step 2, commercial bank: verifying relative legitimacy, e.g. checking account password, user's fund account, i.e. B _{Account number} Whether the balance is paid adequately, D in bank _{Coin (coin)} Whether sufficient payment is available, etc.; after passing inspection B _{Account number} Deduct 250 yuan, draw D in bank _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} (ii) a Organizing related information according to transaction rules to send a request to a D-RMB system in a central row;

step 3, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} Whether the owner is a business bank, etc.), executing relevant operations, and registering a center: change D _{Coin 100} ，D _{Coin 100} ' and D _{Coin 50} The owner changes the bound industrial and commercial bank code into the wallet address of the D-RMB chip card; recording the corresponding transaction flow;

The process is not only a user withdrawal process, but also a process of the D-RMB digital currency from a bank to a user side, namely a process of entering the circulation field of legal digital currency.

The following describes the payment process based on the D-RMB chip card. The user holds the D-RMB chip card for payment transaction, can be the card held on a POS machine of a merchant connected with the Internet for consumption, can be the card held on a mobile phone on line for payment, and also supports the card on line for payment consumption (on-line payment). In addition, card-to-offline POS payment, signal-free mobile phone payment and card-to-card payment are supported in an offline scene. These payment processes can be further subdivided into full payment and change payment, as will be described below.

Description of the flow: the D-RMB chip card is used for online payment on a POS machine of a merchant.

Scene description: the online payment is also called online payment, and relates to two scenes of full payment and change payment. For example, the D-RMB chip card 1 of the paying subscriber has digital currency D _{Coin 100} ，D _{Coin 100} '，D _{Coin 50} Two and one 50 yuan each representing a total of 250 yuan, which are now paid to the payee user 2(POS 2) and 200 yuan, and 30 yuan to another payee user 3(POS 3). Suppose the POS merchant user is an industrial banking customer. The payment of the user D-RMB chip card 1 to the POS machine 2 is the full payment, and the payment of the user 1 to the POS machine 3 is the change payment. The change payment can be the same as the physical currency, and the POS machine 3 has D _{Coin 20} The user D-RMB chip card 1 can pay 50 yuan to the merchant POS machine 3, and then the merchant POS machine 3 pays 20 yuan to the user D-RMB chip card 1, namely, the change is paid through two times of whole money payment (if the digital currency is issued according to the minimum unit, the change problem does not exist), or the user D-RMB chip card 1 applies change exchange to the D-RMB system first, and then the exchanged change is selected and combined to pay the whole money to the merchant POS machine 3.

The D-RMB chip card form is applicable: all forms including mobile phones.

Description of the procedure (Payment of the entire money):

step 1, POS machine 2: inputting a consumption amount of 200 yuan in the POS;

step 2.D-RMB chip card 1: through the communication between the wireless interfaces such as NFC and the like and the POS machine, the digital currency D with the amount of 200 yuan is automatically selected _{Coin 100} '、D _{Coin 100} And sending the data to a POS machine;

and step 3, the POS machine 2: receive D _{Coin 100} '、D _{Coin 100} Carrying out related validity check, for example, checking D-RMB by a primary check card, judging whether the amount of money is enough, organizing related information according to transaction rules, and sending the related information to a D-RMB system of a commercial bank;

and 4, commercial bank: decipher transaction rules and related information, verify related legitimacy (e.g. D) _{Coin 100} '、D _{Coin 100} Legality, whether the transaction amount is consistent with the digital currency value, and the like), executing corresponding operation, and reorganizing the message according to transaction rules to send a request to a central row D-RMB system;

step 5, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} ，D _{Coin 100} ' owner is D-RMB chip card 1, etc.), performs the relevant operations, the registration center: change D _{Coin 100} ，D _{Coin 100} The owner changes the wallet address of the bound D-RMB chip card 1 into a merchant code corresponding to the POS machine 2; recording the corresponding transaction flow;

step 6, commercial bank: sending D _{Coin 100} '、D _{Coin 100} And sending a prompt message of successful transaction to the POS machine 2.

And 7, POS machine 2: and (5) making a receipt and finishing the transaction.

The process of receiving cash in real objects by the merchant is completely simulated, and D is stored on the POS machine 2 in the process _{Coin (coin)} . This process may also be designed so that the merchant automatically associates D _{Coin (coin)} And transferring to a settlement account. The method comprises the following specific steps:

step 1, POS machine 2: inputting a consumption amount of 200 yuan into the POS;

and step 3, the POS machine 2: carrying out related validity check, such as primary card check for D-RMB and judging whether the amount of money is enough, organizing related information according to transaction rules and sending the related information to a D-RMB system of a commercial bank;

and 4, commercial bank: interpretationTransaction rules and related information, verifying relative legitimacy (e.g. D) _{Coin 100} '、D _{Coin 100} Validity, whether the transaction amount is consistent with the value of the digital currency, etc.), corresponding operation is executed, and D is received by the bank _{Coin 100} '、D _{Coin 100} Reorganizing the message according to the transaction rule and sending a request to a D-RMB system at the central row;

step 5, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} ，D _{Coin 100} ' owner is D-RMB chip card 1, etc.), performs the relevant operations, the registration center: change D _{Coin 100} ，D _{Coin 100} The owner changes the wallet address of the bound D-RMB chip card 1 into a commercial bank code corresponding to a merchant account; recording the corresponding transaction flow;

step 6, commercial bank: adding 200 yuan to the money in the bank account of the merchant user, and feeding back related information;

and 7, POS machine 2: and (5) making a receipt and finishing the transaction.

Description of procedure (change exchange):

step 1, POS machine 3: inserting a D-RMB chip card, selecting a function 'zero permutation', and inputting: exchange amount (e.g. 50 yuan), denomination requirement (e.g. 20 yuan two, 10 yuan one); click "send";

step 2, D-RMB chip card and POS machine 3: automatic selection of 50-dollar digital currency, such as D _{Coin 50} Organizing related information according to transaction rules and sending the related information to a D-RMB system of a commercial bank;

step 3, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 50} Validity, whether the transaction amount is consistent with the currency value of the digital currency, etc.), corresponding operations are executed, and the bank: receive D _{Coin 50} Draw D _{Coin 20} 、D _{Coin 20} '、D _{Coin 10} (ii) a Reorganizing the message according to the transaction rule to send a request to a D-RMB system in a central row;

step 4, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 20} 、D _{Coin 20} '、D _{Coin 10} And D _{Coin 50} Whether owner is legitimate, etc.), perform the associated operations, registerHeart: change D _{Coin 20} 、D _{Coin 20} ’、D _{Coin 10} And D _{Coin 50} Owner of the disease, general the _{Coin 50} The bound D-RMB chip card 1 wallet address is changed into an industrial and commercial bank code, D _{Coin 20} 、D _{Coin 20} '、D _{Coin 10} Changing the bound industrial and commercial bank code into the address of the wallet of the D-RMB chip card 1; recording the corresponding transaction flow;

step 5, commercial bank: sending D _{Coin 20} 、D _{Coin 20} '、D _{Coin 10} And writing the D-RMB chip card 1 to the POS machine 3, and sending the transaction success information.

Other transaction flows are the same as payment of the whole money. Namely:

step 6, the POS machine 3: inputting 30 yuan of consumption amount at POS;

step 7.D-RMB chip card 1: through the communication between the wireless interfaces such as NFC and the like and the POS machine, the digital currency D with the amount of 30 yuan is automatically selected _{Coin 20} 、D _{Coin 10} (ii) a Sending to a POS machine;

step 8, the POS machine 3: receive D _{Coin 20} 、D _{Coin 10} Performing related validity check, for example, checking the D-RMB by a primary check card, judging whether the amount of money is enough, organizing related information according to transaction rules, and sending the related information to a D-RMB system of a commercial bank;

step 9, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 20} 、D _{Coin 10} Legality, whether the transaction amount is consistent with the digital currency value, and the like), executing corresponding operation, and reorganizing the message according to transaction rules to send a request to a central row D-RMB system;

step 10, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 20} 、D _{Coin 10} Whether the owner is the D-RMB chip card 1, etc.), the relevant operations are executed, and the registration center: change D _{Coin 20} 、D _{Coin 10} The owner changes the bound wallet address of the D-RMB chip card 1 into a merchant code corresponding to the POS machine 3; recording the corresponding transaction flow;

step 11, commercial bank: sending D _{Coin 20} 、D _{Coin 10} And sending a prompt message of successful transaction to the POS machine 3.

Step 12, the POS machine 3: and (5) making a receipt and finishing the transaction.

The above can be designed as program linkage processing in the development process of a specific application program.

Description of the flow: and the visual D-RMB chip card is used for online payment on the mobile phone.

Scene description: the D-RMB chip card 1 visible to the paying subscriber has a digital currency D _{Coin 100} ，D _{Coin 100} '，D _{Coin 50} Two pieces of 100 yuan and one piece of 50 yuan, respectively, which account for 250 yuan, are paid to the payee 2 (mobile phone 2) and 200 yuan.

The D-RMB chip card form is applicable: visual D-RMB chip card

Description of the steps:

step 1.D-RMB chip card 1: inputting amount of 200 yuan, communicating with mobile phone via Bluetooth, NFC and other wireless technologies, and automatically selecting 200 yuan digital currency D _{Coin 100} '、D _{Coin 100} Sending the data to the mobile phone;

step 2, the mobile phone 2: receive D _{Coin 100} '、D _{Coin 100} Carrying out related validity check, for example, checking D-RMB by a primary check card, judging whether the amount of money is enough, organizing related information according to transaction rules, and sending the related information to a D-RMB system of a commercial bank;

step 3, commercial bank: decipher transaction rules and related information, verify related legitimacy (e.g. D) _{Coin 100} '、D _{Coin 100} Legality, whether the transaction amount is consistent with the digital currency value, whether the mobile phone 2 is a registered user, and the like), executing corresponding operation, and reorganizing the message according to transaction rules to send a request to a D-RMB system in the central bank;

step 4, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} '、D _{Coin 100} Whether the owner is the D-RMB chip card 1, whether the transaction amount is consistent with the digital currency value, and the like), executing relevant operations, and registering a center: change D _{Coin 100} '、D _{Coin 100} The owner changes the wallet address of the bound D-RMB chip card 1 into the wallet address of the user 2; recording the corresponding transaction flow;

and step 5, the commercial bank: feeding back successful transaction information to the mobile phone 2, and if a mobile phone reminding service is reserved to be opened in the D-RMB chip card application process, simultaneously sending transaction related information to the mobile phone corresponding to the D-RMB chip card;

step 6, the mobile phone 2: and (5) feeding back the transaction OK to the D-RMB chip card, and the transaction is successful.

Description of the flow: and opening the D-RMB chip card which is reminded by the mobile phone to pay online on the mobile phone.

Scene description: the payment user D-RMB chip card 1 reserves a mobile phone number and activates a short message notification function in the application process, and the D-RMB chip card 1 has digital currency D _{Coin 100} ，D _{Coin 100} '，D _{Coin 50} Two pieces of 100 yuan and one piece of 50 yuan, respectively, which account for 250 yuan, are paid to the payee 2 (mobile phone 2) and 200 yuan.

The D-RMB chip card form is applicable: the mobile phone and the D-RMB chip card which opens the mobile phone short message reminding service.

Description of the steps:

step 1, mobile phone 2: selecting a function menu 'payment by an opposite side card', and inputting 200 yuan of payment amount;

step 2.D-RMB chip card 1: automatically selecting 200 yuan digital currency D through communication with a mobile phone by wireless technologies such as Bluetooth, NFC and the like _{Coin 100} '、D _{Coin 100} Sending the data to the mobile phone;

step 3, the mobile phone 2: receive D _{Coin 100} '、D _{Coin 100} Carrying out related validity check, for example, checking D-RMB by a primary check card, judging whether the amount of money is enough, organizing related information according to transaction rules, and sending the related information to a D-RMB system of a commercial bank;

step 4, commercial bank: reading the transaction rule and the related information, verifying the related legality (such as whether the D-RMB chip card 1 has a corresponding short message reminding function, whether the transaction amount is consistent with the currency value of the digital currency, and the like, in order to strengthen the wind control management, adding a transaction confirmation of a registered mobile phone of the D-RMB chip card 1), executing corresponding operation, and reorganizing the message according to the transaction rule to send a request to a D-RMB system of a central bank;

step 5, the central bank: decipher transaction rules and related information, verify related legitimacy (e.g. D) _{Coin 100} '、D _{Coin 100} Whether the owner is the D-RMB chip card 1, whether the transaction amount is consistent with the value of the digital currency, and the like), executing relevant operations, and registering a center: change D _{Coin 100} '、D _{Coin 100} The owner changes the wallet address of the bound D-RMB chip card 1 into the wallet address of the user 2; recording the corresponding transaction flow;

step 6, commercial bank: and feeding back the successful transaction information to the mobile phone 2, and sending the transaction related information to the mobile phone corresponding to the D-RMB chip card.

The process can also be designed as the confirmation of the D-RMB chip card corresponding to the mobile phone participating in the transaction, and the specific details can be determined by a business department.

Description of the flow: the D-RMB chip card pays online.

Scene description: the D-RMB chip card 1 of the paying subscriber has digital currency D _{Coin 100} ，D _{Coin 100} ', and D _{Coin 50} The online shopping is carried out on the internet by connecting the online card reader of a personal terminal or a mobile phone, and the online shopping needs to be paid to the 250 Yuan-ren-Min-Bin of a user of a payee merchant.

Using the D-RMB chip card format: all form

The steps are as follows:

step 1, payment user: selecting goods at shopping website or APP of certain merchant, and selecting D _{Coin (coin)} Paying;

step 2, merchant users: calling a D-RMB system payment plug-in to acquire related information of the D-RMB chip card and D in the D-RMB chip card _{Coin 100} 、D _{Coin 100} '、D _{Coin 50} Carrying out related validity check, for example, checking D-RMB by the primary check card and judging whether the amount of money is enough, organizing related information including merchant bank account information according to transaction rules and sending the related information to a commercial bank D-RMB system;

step 3, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} 、D _{Coin 100} '、D _{Coin 50} Legitimacy, whether the transaction amount is consistent with the currency value of the digital currency, whether a merchant bank account is available, and the like), corresponding operations are executed, and the bank:receive D _{Coin 100} 、D _{Coin 100} '、D _{Coin 50} Reorganizing the message according to a transaction rule and sending a request to a D-RMB system in a central row;

step 4, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} 、D _{Coin 100} '、D _{Coin 50} Whether the owner is the D-RMB chip card 1, whether the transaction amount is consistent with the digital currency value, and the like), executing relevant operations, and registering a center: change D _{Coin 100} 、D _{Coin 100} ', and D _{Coin 50} The owner changes the bound wallet address of the D-RMB chip card 1 into an account opening bank code corresponding to the merchant account; recording the corresponding transaction flow;

and step 5, the commercial bank: adding corresponding amount (250 yuan) in the account of the merchant to inform the merchant of successful payment collection;

step 6, merchant users: successful online payment transaction, offline delivery organization, and feedback of relevant information to the payer;

if the change making operation is involved, the POS online payment process described above can be referred to.

The flow and specific steps in several typical application scenarios of online payment of the D-RMB chip card are described above, and the following description will be made for the offline payment of the D-RMB chip card, including typical application scenarios such as offline POS, mobile phone without network signal, and offline payment between cards.

The off-line payment defined in the D-RMB system refers to near-field payment, in which the receiving party needs to confirm collection on-line afterwards. As with the previous flow, during the off-line payment process, the receiving user is right to receive D _{Coin (coin)} When the digital currency can be verified to be true or false, the pair D is still required _{Coin (coin)} And whether repeated payment is carried out or not to carry out background verification. The design idea is as follows: d requiring repeated payment verification _{Coin (coin)} Identified as "to-be-repeated-payment-verification" in the client-side e-wallet program (e.g., POS machine), the POS machine, upon attaching to the network, automatically makes a repeated-payment-verification application to the D-RMB system. The D-RMB system receives the verification application and executes corresponding operation, the transaction flow is additionally recorded in the registration center, and D is updated _{Coin (coin)} Owner of the disease. If the payee is not a D-RMB systemThe system records the withdrawal password reserved by the payee, as will be described in detail below.

Description of the flow: the D-RMB chip card is used for off-line payment on a merchant POS machine.

Scene description: the D-RMB chip card 1 of the paying subscriber has digital currency D _{Coin 100} ，D _{Coin 100} ', and D _{Coin 50} Two pieces of 100 yuan and one piece of 50 yuan, respectively, which account for 250 yuan, are paid to the payee user 2(POS 2) and 200 yuan, respectively, and the merchant user POS is off-line.

The D-RMB chip card form is applicable: all forms including mobile phone.

The steps are as follows:

step 1, POS machine 2: selecting off-line payment at the POS, and inputting a consumption amount of 200 yuan;

and step 3, the POS machine 2: receive D _{Coin 100} '、D _{Coin 100} And performing related validity check, such as card checking, D-RMB checking, judgment of whether the amount of money is enough, and the like, ending the current transaction after the card passes the checking, and printing a receipt. Once the POS machine is connected to the network, the POS machine automatically carries out repeated payment verification application to the commercial bank D-RMB system, organizes related information according to transaction rules and sends the related information to the commercial bank D-RMB system;

and 4, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} '、D _{Coin 100} Legality, whether the transaction amount is consistent with the digital currency value, and the like), executing corresponding operation, and reorganizing the message according to transaction rules to send a request to a central row D-RMB system;

step 5, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} ，D _{Coin 100} ' owner is D-RMB chip card 1, etc.), performs the relevant operations, the registration center: change D _{Coin 100} '、D _{Coin 100} Owner, to be bound to the address of the wallet of the D-RMB chip card 1Changing to a merchant code corresponding to the POS machine 2; recording the corresponding transaction flow;

step 6, commercial bank: and feeding back verification success information to the POS machine 2.

The above process completely simulates the process of receiving physical cash by the merchant, and D is stored on the POS machine 2 in the process _{Coin (coin)} . This process may also be designed so that the merchant automatically associates D _{Coin (coin)} And transferring to a settlement account. The method comprises the following specific steps:

step 1, POS machine 2: once networked, the transaction information is received according to the transaction rule _{Coin (coin)} The information and the relevant information such as the bank account number of the merchant user and the like are automatically sent to a commercial bank;

step 2, commercial bank: and performing related validity verification, and a bank: receive D _{Coin 100} ，D _{Coin 100} ', organizing related information according to transaction rules and sending the information to a central bank D-RMB system;

step 3, the central bank: decipher transaction rules and related information, verify related legitimacy (e.g. D) _{Coin (coin)} Whether the owner is the D-RMB chip card 1, whether the transaction amount is consistent with the digital currency value, and the like), and corresponding operation is executed. The registration center: change D _{Coin 100} '、D _{Coin 100} The owner changes the wallet address of the bound D-RMB chip card 1 into a commercial bank code corresponding to the merchant account; recording the corresponding transaction flow;

step 4, commercial bank: adding the corresponding amount of money to the money in the bank account of the merchant user, and feeding back related information;

and step 5, the POS machine 2: and (5) entering account receipts, and finishing the transaction.

Description of the flow: the D-RMB chip card is used for off-line payment on the mobile phone.

The D-RMB chip card form is applicable: a visual D-RMB chip card.

Scene description: according to whether the payee is a registered user or not, two scenes are used for discussion. The payment visual D-RMB chip card 1 has digital currency D _{Coin 100} ，D _{Coin 100} '，D _{Coin 50} Two pieces of 100 Yuan RMB and one piece of 50 Yuan RMB, which account for 250 Yuan RMB, are respectively owned, and the current needs to pay off-line to the payee 2 (mobile phone number 2)200 Yuan RMB and also needs to pay off-line to the payeeAnother payee 3 (mobile phone number 3)50 yuan. The user 2 is a registered user of the D-RMB system, while the user 3 is not registered, and only the D-RMB client is loaded on and off the mobile phone 3.

Description of offline Payment procedure to user 2 (payer and payee are both registered users):

step 1.D-RMB chip card: inputting payment amount (such as 200 yuan), communicating with mobile phone via wireless technology such as Bluetooth and NFC, and automatically selecting digital currency D with amount of 200 yuan _{Coin 100} ' and D _{Coin 100} Sending the data to the mobile phone;

step 2, the mobile phone client of the user 2: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} '、D _{Coin 100} Legitimacy, whether the transaction amount is consistent, etc.), and the current transaction is finished after passing. Containing D to sign the D-RMB chip card 1 with the paying user in the on-line state _{Coin (coin)} Payment transaction information is reported to a commercial bank D-RMB system (the terminal design can be automatically verified in an online mode);

step 3, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} '、D _{Coin 100} Legality, whether the transaction amount is consistent with the currency value of the digital currency, and the like), executing corresponding operation, reorganizing the message according to transaction rules, and sending a request to the D-RMB system in the central row;

step 4, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} ，D _{Coin 100} ' if owner is D-RMB chip card 1, etc.), performs the relevant operations, the registration center: change D _{Coin 100} '、D _{Coin 100} The owner changes the wallet address of the bound D-RMB chip card 1 into the wallet address of the user 2; recording the corresponding transaction flow;

and step 5, the commercial bank: and sending information to prompt the verification to be successful.

Offline payment step specification to user 3 (payee is non-registered user):

step 1, a user 3 mobile phone client: logging in a mobile phone client APP, selecting a function of offline collection of a non-registered user, and inputting: the amount of money to be collected (such as 50 yuan), a pin code left by the payee (input by the user 3 and used for verifying the identity of the payee), and clicking to start reading the card;

step 2.D-RMB chip card: inputting payment amount (such as 50 yuan), communicating with mobile phone via wireless technology such as Bluetooth and NFC, and automatically selecting digital currency D with 50 yuan _{Coin 50} Starting to communicate with the mobile phone;

step 3, the mobile phone client of the user 3: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 50} Legitimacy, whether the transaction amount is consistent, etc.), and the current transaction is finished after passing. Automatically signing the card with payment D-RMB on-line, including D _{Coin (coin)} The payment transaction information and the related information of the personal reserved password are reported to the commercial bank D-RMB system;

and 4, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 50} Legality, whether the transaction amount is consistent with the digital currency value, and the like), executing corresponding operation, and reorganizing the message according to transaction rules to send a request to a central row D-RMB system;

step 5, the central bank: decipher transaction rules and related information, verify related legitimacy (e.g. D) _{Coin 50} Whether the owner is the D-RMB chip card 1, etc.), performs the relevant operations, the registration center: to D _{Coin (coin)} The owner updates and leaves the password of the payee; recording the corresponding transaction flow;

step 6, commercial bank: and sending information to prompt the verification to be successful and pay attention to the password. When cashing, the payee needs to show the own mobile phone number and the correct reserved password.

Description of the flow: off-line payment of the D-RMB chip card to the D-RMB chip card.

The D-RMB chip card form is applicable: a visual D-RMB chip card.

Scene description: the payment visual D-RMB chip card 1 has digital currency D _{Coin 100} ，D _{Coin 100} ', and D _{Coin 50} Two pieces of 100-yuan RMB and one piece of 50-yuan RMB, which account for 250-yuan RMB, are respectively owned, and the RMB needs to be paid to the visual collection D-RMB chip card 2 RMB 200 yuan offline.

Step 1.D-RMB chip card 1: input pairThe money amount (such as 200 yuan) is communicated with the mobile phone through wireless technologies such as Bluetooth, NFC and the like, and the digital currency D with the money amount of 200 yuan is automatically selected _{Coin 100} ' and D _{Coin 100} And is sent to the D-RMB chip card 2;

step 2.D-RMB chip card 2: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} '、D _{Coin 100} Legitimacy, whether the transaction amount is consistent, etc.), the collection amount 200 is displayed after passing, and the transaction is finished. D-containing card 1 signature with payment user D-RMB chip card to be connected to network via personal terminal card reader _{Coin (coin)} The payment transaction information is reported to a commercial bank D-RMB system;

step 3, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} '、D _{Coin 100} Legality, whether the transaction amount is consistent with the digital currency value, and the like), executing corresponding operation, and reorganizing the message according to transaction rules to send a request to a central row D-RMB system;

step 4, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} ，D _{Coin 100} ' if owner is D-RMB chip card 1, etc.), performs the relevant operations, the registration center: make up the corresponding running water, update D _{Coin 100} '、D _{Coin 100} The owner changes the bound wallet address of the D-RMB chip card 1 into the wallet address of the D-RMB chip card 2;

and step 5, the commercial bank: sending information to prompt the successful verification and writing D-RMB on the D-RMB chip card 2 _{Coin (coin)} The state is that the verification is passed and the normal use is possible.

Regarding the problem of change in the off-line payment process, since face value issue is completely simulated, change can be realized in a two-way full payment design under the condition of change, like a cash transaction. If the digital money is issued in minimum units, there is no change issue.

The deposit process will be described below.

Description of the flow: user will D-RMB chip card D _{Coin (coin)} And storing the bank account number.

The D-RMB chip card form is applicable: all form

Scene description: the user's D-RMB chip card 1 has digital currency D _{Coin 100} ，D _{Coin 100} '，D _{Coin 50} Respectively representing that the bank card has two pieces of 100 yuan and one piece of 50 yuan, totaling 250 yuan, which can be operated by a commercial bank counter, an ATM, an Internet bank or a mobile phone bank to convert D _{Coin (coin)} Stored in own bank account B _{Account number} In the method, card reading devices of different channels are different, the general flow is the same, and the steps are described only by taking an ATM as an example, which is not described one by one here.

Description of the steps:

step 1, a user inserts a bank card and a D-RMB chip card into an ATM (the ATM also supports card volatilization operation, so that the D-RMB chip card in a mobile phone-XX form can also be supported), and selects a D-RMB deposit service;

step 2, the ATM: prompting the user to input a deposit amount;

and step 3, the user: inputting deposit amount of 250 yuan, and clicking to determine;

step 4, the ATM: ATM taking D from D-RMB chip card _{Coin 100} 、D _{Coin 100} '、D _{Coin 50} Verifying authenticity and owner, and after verification, comparing the bank card number with D _{Coin 100} 、D _{Coin 100} ', and D _{Coin 50} Organizing related information according to transaction rules and sending the information to a D-RMB system of a bank card account opening commercial bank;

and step 5, the commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} 、D _{Coin 100} '、D _{Coin 50} Legitimacy, bank card legitimacy, whether the transaction amount is consistent with the digital currency value, and the like), executing corresponding operation, and storing in a bank: receive D _{Coin 100} 、D _{Coin 100} '、D _{Coin 50} Reorganizing the message according to a transaction rule and sending a request to a D-RMB system in a central row;

step 6, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} 、D _{Coin 100} '、D _{Coin 50} Whether the owner is the D-RMB chip card 1, etc.), performs the relevant operations, the registration center: update D _{Coin 100} 、D _{Coin 100} '、D _{Coin 50} The owner changes the bound wallet address of the D-RMB chip card 1 into a corresponding commercial bank code; recording related running water;

step 7, commercial bank: adding 250 elements to the B account of the user; feeding back related information;

step 8, the ATM: and prompting that the deposit is finished, and asking the user to take back the bank card and the D-RMB chip card.

The redemption flow is described below.

Description of the flow: user will D-RMB chip card D _{Coin (coin)} And converting into physical cash.

The D-RMB chip card form is applicable: full form

Scene description: the user's D-RMB chip card 1 has digital currency D _{Coin 100} ，D _{Coin 100} '，D _{Coin 50} ，

Respectively representing that the bank card has two 100 yuan and one 50 yuan, totaling 250 yuan, which can apply for D through a commercial bank counter and an ATM _{Coin (coin)} The exchange of physical cash by an ATM machine will be described by taking 100 dollar bills as an example.

Description of the steps:

step 1, a user inserts a D-RMB chip card into an ATM (the ATM also supports card swinging operation, so that the D-RMB chip card in a mobile phone-XX form can also be supported) to select cash exchange business, and the input exchange amount is 100 yuan;

step 2, ATM and D-RMB chip card: automatic selection of digital currency D with the amount of 100 yuan _{Coin 100} Organizing related information according to transaction rules and sending the related information to a commercial bank D-RMB system;

step 3, commercial bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} Validity, whether the transaction amount is consistent with the currency value of the digital currency, etc.), corresponding operations are executed, and the bank: receive D _{Coin 100} Reorganizing the message according to the transaction rule and sending a request to a D-RMB system at the central row;

step 4, the central bank: interpreting transaction rules and related information to verify the validity (e.g. D) _{Coin 100} Whether the owner is the D-RMB chip card 1, etc.), performs the relevant operation, registersCenter: update D _{Coin 100} The owner changes the bound wallet address of the D-RMB chip card 1 into a corresponding commercial bank code; recording related running water;

and step 5, the commercial bank: feeding back related information;

step 6, ATM: counting the money and delivering the 100 yuan paper money to a user; returning to complete the transaction.

The detection of repeated transactions in the case of D-RMB chip cards as digital currency carriers is described below. In the embodiment of the invention, namely in the case of online transaction, the D-RMB system passes through D _{Coin (coin)} Bound to the user card number 11 in a manner to prevent repeated transactions. The D-RMB system has a right registration table in the registration center, and the record table pattern can be designed as the following table 3:

table 3:

digital currency name	Owner of an animal	Remarks to note
			Pbc100adfkl09987766670	ICC00000001	D _{Coin 100}
……	……	……
			Pbc50cadfkl09987766670	ICC00000002	D _{Coin 50}

The user D-RMB chip card 1(D-RMB chip card unique identification number ICC00000001) pays D to the user D-RMB chip card 2(D-RMB chip card unique identification number ICC00000002) _{Coin 100} In the process, the D-RMB system registers a central ownership registration form: modification of D _{Coin 100} Corresponding to the owner, the wallet address corresponding to the original mobile phone number ICC00000001 in the owner field is changed to the wallet address corresponding to the mobile phone number ICC00000002, if the user D-RMB chip card 1 also wants to use D _{Coin 100} And paying to other user D-RMB chip cards, wherein the owner of the user D-RMB chip card is not the user D-RMB chip card 1 at the moment, and the payment cannot be finished, so that repeated payment is prevented.

Meanwhile, the settable transaction is small payment (less than 1000 yuan), which is an acceptable range for individual users, and bad records are input into a credit system to be punished by adopting a mechanism of after-the-fact accountability.

In terms of convenience, a scheme (hereinafter referred to as a mobile phone scheme) of taking a mobile phone as a terminal carrier provides more implementation modes and using means, and compared with a card-based scheme, the system is convenient to deploy, the user operation convenience is good, and the popularization is easier.

In view of the deployment cost, the mobile phone scheme omits the card issuing link of a issuing organization, and reduces the system deployment cost.

In view of safety, if the mobile phone scheme uses a scheme based on a hardware SE, the safety of the mobile phone scheme is equal to that of a card base, if the scheme of HCE and TEE is used, the safety is degraded theoretically, but reliable safety guarantee can be provided by relying on a trusted computing transaction design, meanwhile, the mobile phone HCE and TEE scheme provides a larger storage space, does not depend on a hardware manufacturer completely, and is more convenient to popularize.

Compared with other currency systems replacing paper money in the market, the D-RMB has the characteristics of good convenience, high safety and the like, and the convenience is shown in the following aspects:

in the issuing mode, the D-RMB is the digitization of the currency, and does not depend on any bank account and a single network;

in the storage mode, the storage medium of the D-RMB can be a mobile phone, and can also be electronic equipment such as a card, a magnetic disk, a computer and the like, so that various options are provided for a user. Especially, the D-RMB taking the mobile phone as a carrier can fully utilize the functions of the mobile phone such as keyboard, display, positioning, storage, calculation, communication and the like, and can be developed for the second time, thereby greatly expanding the payment scene and convenience;

in the payment mode, the online payment transaction similar to paper money can be provided, the online remote payment transaction similar to an electronic payment system can also be provided, the online transaction and the offline transaction can be supported, and the mode is convenient and flexible;

the payment speed is greatly improved in the transaction speed compared with an online card swiping payment mode. Is very suitable for small amount quick payment;

in the use habit, the method can be compatible with the original card swiping payment mode, can also provide face-to-face digital currency payment, and can also provide electronic transaction records, thereby being convenient for financial statistics and having high user acceptability.

The safety is shown in the following aspects:

in contrast to other digital currency systems, D-RMB digital currency is a series of electronic encrypted serial numbers converted from cash values, the transfer of which completes a payment transaction. The safety of the currency is protected by a cryptographic algorithm, so that the confidentiality and integrity of currency information can be effectively guaranteed, and the safety is high;

the safety of the D-RMB digital currency carrier realizes end-to-end safety by using a chip technology at a mobile terminal and a trusted technology at a background cloud;

the safety of the D-RMB digital currency transaction system depends on the traditional electronic payment system safety technology on one hand, and meanwhile, the strong D-RMB cloud computing system is utilized by the background to further guarantee the transaction safety;

in the aspect of user privacy protection, the user privacy is ensured and the risk of illegal transactions is avoided by means of 'foreground voluntary and background real name'.

The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A digital money system comprising a central bank digital money system, a commercial bank digital money system, and an authentication system, wherein,

the central bank digital currency system is used for generating and issuing digital currency and performing ownership registration on the digital currency;

a commercial bank digital currency system for performing banking functions on digital currency;

the authentication system is used for providing authentication for the interaction between the central bank digital currency system and the terminal equipment used by the user of the digital currency and providing authentication for the interaction between the central bank digital currency system and the commercial bank digital currency system;

the merchant bank digital currency system is further configured to send a request for owner change to the central bank digital currency system;

the central bank digital currency system is also used for carrying out owner change operation on the digital currency according to the owner change request.

2. The digital money system according to claim 1, wherein the central bank digital money system is further configured to record transaction flow information for the digital money.

3. The digital currency system according to claim 1, wherein the central bank digital currency system is further adapted to generate digital currency in one or more of the following ways:

generating digital currency of the denomination according to the denomination of the circulating physical currency;

generating a digital currency of the denomination in accordance with a preset minimum unit denomination; and/or

Money is generated in accordance with the withdrawal amount of the user, the withdrawal amount being the denomination.

4. The digital currency system according to claim 3, wherein the central bank digital currency system is further adapted to generate digital currency by:

generating a basic encryption password corresponding to the denomination from a preset main password and a preset number uniquely corresponding to the denomination;

and generating an encryption password by the basic encryption password and the random number, and signing the generated encryption password to obtain the digital currency of the denomination.

5. The digital monetary system of claim 1 wherein the central bank digital monetary system and the commercial bank digital monetary system are further adapted to perform operations on a D-RMB chip card comprising a storage medium:

the central bank digital currency system generates personalized data of the D-RMB chip card according to the pre-designated content;

the commercial bank digital currency system writes personal information of a user applying for the D-RMB chip card into the D-RMB chip card;

applying an IBC private key to the authentication system by the commercial bank digital currency system through a user IBC public key, wherein the user IBC public key is the identification of the D-RMB chip card or the identification of the user; D-RMB is digital currency.

6. The digital money system according to claim 5, wherein the D-RMB chip card comprises the following modalities: the visual Bluetooth IC card form, the mobile phone-eSE card form, the mobile phone-secure SD card form and the mobile phone-SIM card form.

7. The digital money system according to claim 1, wherein the central bank digital money system is further configured to perform user registration according to the steps of:

after receiving the identification information sent by the terminal equipment used by the user, the central bank digital currency system sends application software suitable for the terminal equipment to the terminal equipment;

the central bank digital currency system sends an IBC public key and an IBC private key to the terminal equipment running the application software, and then carries out identity authentication conversation and conversation key negotiation with the terminal equipment;

and the central bank digital currency system receives a user account sent by the terminal equipment running the application software and then sends a user password to the terminal equipment.

8. The digital currency system according to claim 1, wherein the commercial bank digital currency system is further adapted to interface with one or more of the following adapters: currency transaction data adapter, mobile service provider SMS gateway adapter, retailer system adapter, ATM data supply system adapter.

9. The digital money system according to claim 1,

the commercial bank digital currency system is also used for receiving a first request sent by the user terminal and extracting digital currency from an account according to the amount specified by the first request; and sending the second request to the central bank digital currency system; and upon receiving an indication of successful operation from the central bank digital currency system, sending the extracted digital currency to the user terminal;

the central bank digital currency system is also used for receiving the second request, executing the operation of a preset item according to the second request and returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency extracted by the commercial bank digital currency system;

wherein the first request is for drawing digital currency from a user's account with a commercial bank;

the second request is for making an owner change to the extracted digital money.

10. The digital money system according to claim 1,

the commercial bank digital currency system is also used for receiving a first request sent by a commercial bank outlet system and extracting digital currency from an account of the commercial bank according to the amount specified by the first request; and sending the second request to the central bank digital currency system; and upon receiving an indication of successful operation from the central bank digital currency system, sending the extracted digital currency to a user terminal, wherein the first request includes a user terminal identification;

wherein the first request is for exchanging digital currency using cash;

11. The digital money system according to claim 1, further comprising a first user terminal and a second user terminal;

the first user terminal is used for extracting digital currency with the amount equal to the amount specified by the payment instruction according to the received payment instruction, generating a first request and sending the first request to a commercial bank digital currency system, wherein the first request comprises a second user terminal identification and the digital currency, and the first request is used for carrying out owner change on the digital currency;

the commercial bank digital currency system is also used for generating a second request after receiving the first request and then sending the second request to the central bank digital currency system, wherein the second request is used for carrying out owner change on the digital currency; after receiving an indication of successful operation sent by the central bank digital currency system, sending the digital currency to a second user terminal;

the central bank digital currency system is also used for receiving the second request, executing the operation of a preset item according to the second request and returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency;

the second user terminal is used for receiving the digital currency sent by the commercial bank digital currency system.

12. The digital money system according to claim 1, further comprising a user terminal;

the user terminal is used for selecting digital currency to be exchanged with the amount specified by the change exchange instruction according to the change exchange instruction, and sending a first request to a commercial bank digital currency system, wherein the first request is used for exchanging change; and receiving change digital currency from the commercial bank digital currency system;

the commercial bank digital currency system is further used for converting the digital currency to be converted into change digital currency according to the first request and sending a second request to a central bank digital currency system, wherein the second request is used for carrying out owner change on the digital currency to be converted and the change digital currency; and after receiving an indication that the operation is successful, sending the change digital currency to the user terminal;

the central bank digital currency system is further used for executing operation of preset items according to the second request and returning indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset items comprises operation of owner change of the digital currency to be exchanged and the change digital currency.

13. The digital money system according to claim 1, further comprising a payer terminal device and a payee terminal device;

the payer terminal device is configured to: receiving payment amount and payee identification input by external operation; selecting digital currency in a payer digital currency wallet with a total amount equal to the payment amount; sending the digital currency to the payee terminal device corresponding to the payee identification in a near field communication mode;

the payee terminal device is configured to: sending the digital currency to a commercial bank digital currency system through a network;

the commercial bank digital currency system is further to: sending the digital currency to a central bank digital currency system through a network;

the central bank digital currency system is further configured to: and changing the owner information of the digital currency from the payer to the payee.

14. The digital money system according to claim 1, further comprising a payer terminal device and a payee terminal device;

the payer terminal device is configured to: receiving payment amount, payee identification and withdrawal identification code input by external operation; selecting digital currency in a payer digital currency wallet with a total amount equal to the payment amount; sending the digital currency and the withdrawal identification code to the payee terminal device corresponding to the payee identification in a near field communication mode;

the payee terminal device is configured to: sending the digital currency and the withdrawal identification code to a commercial bank digital currency system through a network;

the commercial bank digital currency system is further to: sending the digital currency and the withdrawal identification code to a central bank digital currency system through a network;

the central bank digital currency system is further configured to: and changing the owner information of the digital currency from the payer to the payee and making a note of the withdrawal identification code.

15. The digital money system according to claim 1, further comprising a user terminal device;

the user terminal device is configured to: selecting equivalent digital currency in a digital currency wallet according to a cash amount input by external operation; sending the digital currency to the commercial bank digital currency system;

the commercial bank digital currency system is further configured to: sending the digital currency to a central bank digital currency system; sending the user-provided one-time withdrawal code to the central bank digital currency system; sending a money supply instruction after a notice that the one-time withdrawal code is effective is sent, wherein the money supply instruction is used for controlling a machine or prompting a manual cash supply user to manually supply cash with the amount equal to the cash-out amount;

the central bank digital currency system is further configured to: generating a one-time withdrawal code and then sending the one-time withdrawal code to the user terminal equipment to be presented to a user, and changing owner information of the digital currency into a central bank by the user; confirming that the one-time withdrawal code is valid, then adding the cash redemption amount to a commercial bank account, and sending a notification to the commercial bank digital currency system that the one-time withdrawal code is valid.

16. The digital money system according to claim 1, further comprising a user terminal device;

the user terminal device is configured to: selecting equivalent digital currency in a digital currency wallet according to a cash amount input by external operation; sending the digital currency to a commercial bank digital currency system;

the commercial bank digital currency system is further configured to: generating a disposable bank withdrawal code and sending the digital currency to a central bank digital currency system; according to the owner updating success instruction, sending the disposable bank withdrawal code to the user terminal equipment to be presented to the user; confirming that the disposable bank withdrawal code provided by the user is valid, and then sending a money supply instruction, wherein the money supply instruction is used for controlling a machine or prompting a user to manually pay cash with the amount equal to the cash-out amount;

the central bank digital currency system is further configured to: and changing the owner information of the digital currency into a commercial bank by a user, and then sending an owner updating success instruction to the commercial bank digital currency system.

17. The digital currency system according to claim 1, further comprising a terminal device;

the terminal device is configured to: receiving a deposit amount and a deposit account input by an external operation; selecting digital currency with a total amount equal to the deposit amount in a digital currency wallet; sending the digital currency and the deposit account to the commercial bank digital currency system;

the commercial bank digital currency system is further configured to: sending the digital currency and deposit account to the central bank digital currency system; adding the accounting of the deposit amount to the deposit account according to the transaction success information, and sending a deposit success notice to the terminal equipment;

the central bank digital currency system is further configured to: changing owner information of the digital currency from a user to a commercial bank, and feeding back the transaction success information to a commercial bank digital currency system.

18. The digital money system according to claim 1,

the commercial bank digital currency system is also used for receiving the amount information and the digital currency card information of the physical cash of the conversion requester, then determining the digital currency participating in the conversion according to the amount information, then generating conversion request information according to the digital currency and the digital currency card information of the conversion requester, and then sending the conversion request information to the central bank digital currency system; and upon receiving an indication of successful operation returned by the central bank digital currency system, writing the digital currency into the digital currency card of the conversion requester;

the central bank digital currency system is also used for executing the operation of a preset item according to the conversion request information and returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of owner change of the digital currency which participates in conversion by the commercial bank digital currency system.

19. The digital money system according to claim 1,

the commercial bank digital currency system is also used for receiving the conversion amount information, the bank account information and the digital currency card information of the conversion requester; deducting the amount equal to the exchange amount from the bank account according to the exchange amount information, determining the digital currency participating in the exchange according to the exchange amount information, generating exchange request information according to the digital currency and the digital currency card information of the exchange requester, and sending the exchange request information to a central bank digital currency system; and upon receiving an indication of successful operation returned by the central bank digital currency system, writing the digital currency into the digital currency card of the conversion requester;

the central bank digital currency system is also used for executing the operation of a preset item according to the conversion request information and then returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency which is converted by the commercial bank digital currency system.

20. The digital money system according to claim 1, further comprising a terminal device and a digital money chip card;

the terminal equipment is used for receiving payment amount information input by external operation, then sending the payment amount information to the digital currency chip card, wherein the payment amount information comprises payment amount, and after receiving the digital currency, generating a first request and then sending the first request to a digital currency system of a commercial bank, wherein the first request is used for carrying out owner change on the digital currency;

the digital currency chip card is used for selecting digital currency of the payment amount and then sending the digital currency to the terminal equipment;

the commercial bank digital currency system is also used for generating a second request and then sending the second request to the central bank digital currency system after receiving the first request, wherein the second request is used for carrying out owner change on the digital currency and feeding back information of successful transaction to the terminal equipment after receiving an indication that the central bank digital currency system is operated successfully;

the central bank digital currency system is also used for executing the operation of a preset item according to the second request and returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency received by the terminal equipment.

21. The digital money system according to claim 1, further comprising a terminal device and a digital money chip card;

the terminal device is used for receiving a change exchange request, and the change exchange request comprises: the method comprises the steps of exchanging digital currency, obtaining face value, selecting the digital currency to be exchanged from a digital currency chip card according to a change exchange request, generating a first request and sending the first request to a commercial bank digital currency system, wherein the first request is used for extracting the change digital currency from a commercial bank, and writing the change digital currency changed by an owner into the digital currency chip card after the commercial bank digital currency system sends the change digital currency changed by the owner to the terminal equipment;

the commercial bank digital currency system is also used for extracting change digital currency according to the first request after receiving the first request, generating a second request and then sending the second request to the central bank digital currency system, wherein the second request is used for carrying out owner change on the digital currency to be exchanged and the change digital currency, and sending the change digital currency after the owner change to the terminal equipment after receiving an instruction of successful operation;

the central bank digital currency system is further used for executing operation of preset items according to the second request and returning indication of successful operation to the commercial bank digital currency system, and the operation of the preset items comprises changing of owners of the digital currency to be exchanged and the change digital currency.

22. The digital currency system according to claim 1, further comprising a visual digital currency chip card and a mobile terminal;

the visible digital currency chip card is used for receiving payment amount information input by external operation, and selecting digital currency of the payment amount to send to the mobile terminal;

the mobile terminal is used for receiving the digital currency, generating a first request and then sending the first request to a commercial bank digital currency system, wherein the first request is used for carrying out owner change on the digital currency;

the commercial bank digital currency system is also used for generating a second request after receiving the first request and then sending the second request to the central bank digital currency system, wherein the second request is used for carrying out owner change on the digital currency;

the central bank digital currency system is also used for executing the operation of a preset item according to the second request and returning the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency received by the mobile terminal.

23. The digital money system according to claim 1, further comprising a mobile terminal and a digital money chip card;

the mobile terminal is used for receiving payment amount information input by external operation, then sending the payment amount information to the digital currency chip card, wherein the payment amount information comprises payment amount, and after receiving the digital currency, generating a first request and then sending the first request to a digital currency system of a commercial bank, wherein the first request is used for carrying out owner change on the digital currency;

the digital currency chip card is used for selecting digital currency of the amount specified by the payment amount information and then sending the digital currency to the mobile terminal;

the central bank digital currency system is further used for executing operation of a preset item according to the second request and returning an indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises operation of owner change of the digital currency received by the mobile terminal.

24. The digital money system according to claim 1, further comprising a user terminal device and an acceptance terminal device;

the user terminal is used for sending payment information to the acceptance terminal equipment, and the payment information comprises digital currency chip card information and digital currency equivalent to the payment amount;

the acceptance terminal equipment is used for receiving the payment information and then sending the payment information to a digital currency system of a commercial bank;

the commercial bank digital currency system is also used for sending a request for changing the owner to the central bank digital currency system after receiving the payment information;

the central bank digital currency system is also used for changing the owner of the digital currency into a commercial bank code of a merchant after receiving the request for changing the owner;

the commercial bank digital currency system is also used for changing the account amount of the merchant.

25. The digital money system according to claim 1, further comprising a user terminal device and an acceptance terminal device;

the acceptance terminal device is used for receiving transaction amount under the condition that network connection with a commercial bank digital currency system is not established, and after connection with the commercial bank digital currency system is established, the acceptance terminal device sends transaction information to the commercial bank digital currency system;

the user terminal equipment is used for acquiring the transaction amount from the acceptance terminal equipment in a close-range wireless connection mode and sending transaction information to the acceptance terminal equipment, wherein the transaction information comprises digital currency chip card information and digital currency equivalent to the transaction amount;

the commercial bank digital currency system is also used for sending an owner changing request to the central bank digital currency system after receiving the transaction information;

and the central bank digital currency system is further used for changing the owner of the digital currency into a merchant code corresponding to the acceptance terminal device after receiving the request for changing the owner.

26. The digital money system according to claim 1, further comprising a payment visual digital money chip card and a payment receipt terminal device;

the payment visible digital currency chip card is used for sending a payment request to the collection terminal equipment under the condition that the network connection with the commercial bank digital currency system is not established, wherein the payment request comprises digital currency to be paid and transaction amount;

the cash receiving terminal device is used for initiating network connection to a commercial bank digital currency system after receiving the payment request, and sending the payment request to the commercial bank digital currency system under the condition of successful network connection;

the commercial bank digital currency system is also used for sending a payment confirmation request containing the payment request to a central bank digital currency system according to the payment request, and the payment confirmation request is used for carrying out owner change on the digital currency to be paid;

the central bank digital currency system is further configured to execute a preset operation according to the payment confirmation request, and then notify the operation result to the money receiving terminal device, where the preset operation includes changing an owner of the digital currency to be paid.

27. The digital money system according to claim 1, further comprising a payment visual digital money chip card and a payment receipt terminal device;

the payment visible digital currency chip card is used for sending a payment request of digital currency to the collection terminal device under the condition that network connection is not established with a commercial bank digital currency system, and the payment request comprises the digital currency to be paid and the transaction amount;

the collection terminal equipment is used for initiating network connection to a commercial bank digital currency system, and sending the payment request and the identity verification information reserved by a collection user to the commercial bank digital currency system under the condition that the network connection is successful;

the commercial bank digital currency system is also used for sending a payment confirmation request to a central bank digital currency system according to the payment request, wherein the payment confirmation request is used for carrying out owner change on the digital currency to be paid and comprises the digital currency to be paid, the transaction amount and the identity authentication information;

the central bank digital currency system is further used for executing preset operation according to the payment confirmation request and then sending an operation result to the payment terminal device, wherein the preset operation comprises changing an owner of the digital currency to be paid and storing the identity verification information.

28. The digital money system according to claim 1, further comprising a payment visible digital money chip card and a collection visible digital money chip card;

the payment visible digital currency chip card is used for sending a payment request of digital currency to the collection visible digital currency chip card under the condition that the network connection with the commercial bank digital currency system is not established, and the payment request comprises the digital currency to be paid and the transaction amount;

the collection visual digital currency chip card is used for initiating network connection to a commercial bank digital currency system after receiving the payment request, and sending the payment request to the commercial bank digital currency system under the condition that the network connection is successful;

the commercial bank digital currency system is also used for sending a payment confirmation request containing the digital currency to be paid and the transaction amount to a central bank digital currency system according to the payment request, and the payment confirmation request is used for carrying out owner change on the digital currency to be paid;

the central bank digital currency system is also used for executing preset operation according to the payment confirmation request and then informing the operation result to the collection visible digital currency chip card, wherein the preset operation comprises changing the owner of the digital currency.

29. The digital money system according to claim 1, further comprising an acceptance terminal device;

the acceptance terminal equipment is used for receiving deposit information input by external operation after establishing communication connection with the digital currency chip card and sending the deposit information to a commercial bank digital currency system, wherein the deposit information comprises deposit account information, digital currency chip card information and digital currency equivalent to the deposit amount;

the commercial bank digital currency system is also used for sending a request for changing the owner to the central bank digital currency system after receiving the deposit information;

the central bank digital currency system is further configured to change the owner of the digital currency to the commercial bank and change the amount of the deposit account after receiving the request for changing the owner.

30. The digital money system according to claim 1, further comprising an acceptance terminal device;

the acceptance terminal equipment is used for receiving exchange information input by external operation after establishing communication connection with the digital currency chip card and sending the exchange information to a commercial bank digital currency system, wherein the exchange information comprises digital currency chip card information and digital currency equivalent to the exchange amount;

the commercial bank digital currency system is further used for sending an owner changing request to the central bank digital currency system after receiving the exchange information;

said central bank digital currency system further for changing an owner of said digital currency to said commercial bank upon receiving said request to change owner;

the commercial bank digital currency system is also used for sending a control instruction to the acceptance terminal equipment, and the control instruction is used for outputting the paper money of the converted amount;

the acceptance terminal equipment is also used for outputting the paper money of the exchange amount according to the control instruction.