CN107230076A - The method and system of on-line payment digital cash - Google Patents

The method and system of on-line payment digital cash Download PDF

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Publication number
CN107230076A
CN107230076A CN201610178583.6A CN201610178583A CN107230076A CN 107230076 A CN107230076 A CN 107230076A CN 201610178583 A CN201610178583 A CN 201610178583A CN 107230076 A CN107230076 A CN 107230076A
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CN
China
Prior art keywords
digital
digital cash
bank
user terminal
request
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CN201610178583.6A
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Chinese (zh)
Inventor
姚前
李会锋
温信祥
李连三
王栋兵
刘浩
赵欣
唐晓雪
刘文舒
Original Assignee
中国人民银行印制科学技术研究所
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Priority to CN201610178583.6A priority Critical patent/CN107230076A/en
Publication of CN107230076A publication Critical patent/CN107230076A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification

Abstract

The present invention provides a kind of method and system of on-line payment digital cash, and can flexibly and easily merchandise digital cash.This method includes:First user terminal is according to the payment instruction of reception, extract the digital cash equal with the amount of money specified by payment instruction, and the request of generation first is sent to business bank's digital coin systems, wherein, the first request includes second user terminal iidentification and the digital cash;Business bank's digital coin systems are after the first request is received, and the request of generation second is then sent to Central Bank's digital coin systems;Central Bank's digital coin systems perform the operation of preset term according to the second request and successfully indicate operation to return to business bank's digital coin systems, and the operation that owner's change is carried out to the digital cash is included in the operation of preset term;The digital cash is sent to second user terminal by business bank's digital coin systems;Wherein, the first request and second asks to be used for carry out owner's change to the digital cash.

Description

The method and system of on-line payment digital cash

Technical field

The present invention relates to computer network and computer software technical field, particularly one Plant the method and system of on-line payment digital cash.

Background technology

Digital cash is a series of currency that cash value is converted to Electronic Coding sequence numbers, coin The security of itself is protected dependent on cryptographic algorithm.In terms of cryptographic algorithm, digital cash system System security is related to symmetric cryptography, asymmetric cryptography, message digest algorithm and identity-based Cipher system, must deeply consider the overall security, close of cryptographic system in terms of system realization The code selection of algorithm, the realization of cryptographic algorithm, the designing of interaction protocol, international, domestic standard Compatibility etc., it is ensured that the transaction security of digital cash.

Popularized with the development of mobile Internet, mobile payment industry is quickly changed propulsion, is based on The business model of all kinds of technologies such as mobile Internet, NFC, HCE, Token, bio-identification is not Disconnected innovation, application scenarios, which are constantly expanded, to be enriched, and business integrative development accelerates on line, under line. While mobile payment new technology provides the user diversification convenient payment services, also lead logical The industry transition and upgrade such as letter, finance, internet develops.Mobile payment broad based growth prospect into For the extensive common recognition of full industry, mobile payment is considered as the on-line off-line important entry of connection. The transaction system of digital cash should carry out business model design by core of mobile payment.

Under mobile payment service pattern, the key storage carrier of digital cash can be by hardware SE moulds Block (security module), HCE and TEE are provided.The peace that hardware SE is provided by it Full computing environment receives the accreditation in financial transaction field, in current debt-credit note card, electronics It is used widely, with extensive user base, good disposal environment and uses in cash Custom.As mobile payment technology is continued to develop, SE component forms also there occurs many changes, New solution is constantly put into practice.

Transaction accepting terminal (POS) and the means of payment (as between card, mobile phone) On data transmission channel, a variety of transmission means are presently, there are:RF radio communications, short message, barcode scanning, Sound wave, photon, various ways and the communication that saves as between payment carrier provide convenience.

On authentication mode, can be divided into the certification based on password, the certification based on password+smart card, Certification based on biological characteristic (fingerprint, face).Wherein password, biological characteristic certification it is many Paid for far field, smart card authentication is used near field payment.

Cloud computing is the main flow direction at following background server end, and the background system of digital cash should Using the solution based on cloud.

In e-commerce initiative, because role is different, the requirement to digital cash is also different:Visitor Family requires that digital cash is easy to use, and storage is safe and with anonymity;Businessman requires digital goods Coin has confirmability, and can be exchanged into real currency;Bank then requires that digital cash can not It is illegally used and forges, therefore, digital cash D-RMB there should be following characteristics:

1. security:It can prevent any one party in commercial affairs from changing or illegally use digital cash;

2. not reproducible cost:Digital cash is used only once, and Double spending can be easy Ground, which is checked, to be come;

3. controllable anonymity:Bank and businessman, which act in collusion, can not track the use of digital cash, It is required that the buying behavior of the user of electronic cash can not be linked together by system, so that hidden number The purchasing history of word currency user, but the use of the traceable digital cash of publisher of digital cash;

4. unforgeable:User can not the pseudo- digital cash faked;

5. fairness:Payment process is fair, it is ensured that otherwise both sides merchandise successfully, otherwise it is double Side does not all lose, and prevents a certain counterparty from being sustained a loss in transaction;

6. compatibility:The distribution flow of digital cash to the greatest extent may be used with intermediate links in D-RMB systems It can be issued with reference to commodity money with circulating.

And for digital cash, it should can adapt in the various use fields of existing currency Scape, and can be with existing currency convertibility.

Payment Online is a kind of form of e-payment, it be provided by third party with The pay down mode that payment interface between bank is carried out, bank provides online fund knot for it Calculate a kind of business of service.This mode is advantageous in that can be directly fund from the silver of user Transferred accounts in the account of row card or other Third-party payment platforms to Web account or both parties Account in, remit money, transfer accounts or delivery operation after arrive account immediately, and need not be manually true Recognize.Can be existing using credit card, stored value card, eCheck and electronics between online transaction both sides A variety of electronic payment modes such as gold carry out online payment, using the section by the way of online e-payment The expense of transaction has been saved, and safely, quickly, conveniently.

With continuing to develop for computer technology, mobile terminal device is also enriched constantly, mobile whole End makes mobile communication terminal refer to the computer equipment that can be used on the move, except logical Outside the mobile phone of normal meaning or the smart mobile phone and tablet personal computer with a variety of application functions, Notebook, POS even vehicle-mounted computer etc. can also be included.However, digital cash at this stage Use generally with bank card (magnetic card, smart card) be media, significantly limit digital goods Coin widely using and circulates.

The content of the invention

In view of this, the present invention provides a kind of method and system of on-line payment digital cash, with Solve above-mentioned a variety of weak points of the prior art.Other objects of the present invention, effect and Beneficial effect can be drawn from embodiment.

To achieve the above object, according to an aspect of the invention, there is provided a kind of on-line payment The method of digital cash.

A kind of method of on-line payment digital cash of the present invention includes:First user terminal according to The payment instruction of reception, extracts the digital cash equal with the amount of money specified by the payment instruction, And the request of generation first is sent to business bank's digital coin systems, wherein, first request Including second user terminal iidentification and the digital cash, described first asks to be used for the number Word currency carries out owner's change;Business bank's digital coin systems are receiving described first After request, the request of generation second is then sent to Central Bank's digital coin systems, described second Ask to be used for carry out owner's change to the digital cash;Central Bank's digital coin systems The operation of preset term is performed according to the described second request and successfully indicates operation to return to institute Business bank's digital coin systems are stated, are included in the operation of the preset term to the digital goods Coin carries out the operation of owner's change;Business bank's digital coin systems receive described operate into After the instruction of work(, the digital cash is sent to second user terminal.

Alternatively, before the request of business bank's digital coin systems generation second, in addition to: Business bank's digital coin systems confirm the digital cash that first request includes The amount of money of the digital cash that is legal, being extracted is equal with the Payment Amount and described Second user terminal completes registration in digital coin systems.

Alternatively, Central Bank's digital coin systems perform default according to the described second request Before the operation of project, in addition to:Central Bank's digital coin systems confirm described second The owner for the digital cash that request includes is first user terminal.

Alternatively, the operation of owner's change includes:By the owner of the digital cash by institute State the first user terminal and be revised as the second user terminal.

Alternatively, the digital cash is sent to described by business bank's digital coin systems After second user terminal, in addition to:Business bank's digital coin systems are to described first User terminal and the second user terminal send the successful prompt message of transaction.

Alternatively, the digital cash is character string;The user terminal is mobile phone, and described The identifier of user terminal is phone number.

There is provided a kind of system of on-line payment digital cash according to another aspect of the present invention.

A kind of system of on-line payment digital cash of the present invention, including the first user terminal, business Industry bank digital coin systems, Central Bank's digital coin systems and second user terminal, wherein, First user terminal is used for the payment instruction according to reception, extracts and the payment instruction institute The equal digital cash of the amount of money specified, and generate the first request and be sent to the digital goods of business bank Coin system, wherein, first request includes second user terminal iidentification and the digital cash, Described first asks to be used for carry out owner's change to the digital cash;Business bank's numeral Money-system is used for after first request is received, during the request of generation second is then sent to Bank's digital coin systems are entreated, described second asks to be used for carry out owner's change to the digital cash More;And it is successful receiving the operation that Central Bank's digital coin systems send After instruction, the digital cash is sent to second user terminal;The digital goods of the Central Bank Coin system is used to receive second request, and performs preset term according to the described second request Operate and successfully indicate operation to return to business bank's digital coin systems, it is described pre- If including the operation that owner's change is carried out to the digital cash in the operation of project;Described second User terminal is used to receive the digital cash that business bank's digital coin systems are sent.

Alternatively, business bank's digital coin systems are also used before the request of generation second In:Business bank's digital coin systems confirm the numeral that first request includes Currency is legal, the digital cash amount of money is equal with the Payment Amount, and described second User terminal completes registration in digital coin systems.

Alternatively, Central Bank's digital coin systems are performed in advance according to the described second request If before the operation of project, being additionally operable to:Central Bank's digital coin systems confirm described the The owner for the digital cash that two requests include is first user terminal.

Alternatively, the operation of owner's change includes:By the owner of the digital cash by institute State the first user terminal and be revised as the second user terminal.

Alternatively, the digital cash is being sent to institute by business bank's digital coin systems State after second user terminal, be additionally operable to:Business bank's digital coin systems are to described One user terminal and the second user terminal send the successful prompt message of transaction.

Alternatively, the digital cash is character string;The user terminal is mobile phone, and described The identifier of user terminal is phone number.

Technique according to the invention scheme, on-line payment number is carried out by using subscriber terminal equipment The operation of word currency, so as to digital cash of flexibly and easily merchandising;Cross and enter in links Row multiple authentication, and according to trading rules tissue relevant information and send, so as to strengthen The security of transaction;The owner for carrying out digital cash by Central Bank's digital coin systems changes, It can realize by the trading situation of the unified record digital cash of the Central Bank, so as to realize digital goods The safety of coin and unified management.Digital cash is directly perceived, user friendly and cost is low, facilitates all kinds of User operates, and Consumer's Experience is good;Reliable safety guarantee can be provided, hardware factory is not exclusively relied on Business, promotes more convenient;The transaction record of electronization can be provided, be easy to user's financing statistics; Ensure privacy of user, and can effectively evade the risk of illegal transaction.

Brief description of the drawings

Fig. 1 is the signal of the main flow of the work of the pre- fabrication relevant with embodiment of the present invention Figure;

Fig. 2 is showing for the flow of the user's registration D-RMB account relevant with embodiment of the present invention It is intended to;

Fig. 3 is the schematic diagram of the D-RMB process of exchange relevant with embodiment of the present invention;

Fig. 4 is to provide online service according to the D-RMB digital coin systems of embodiment of the present invention When general frame a kind of structure schematic diagram;

Fig. 5 is the calculating included according to business bank's digital coin systems of embodiment of the present invention The schematic diagram of machine system;

Fig. 6 is the business bank's digital coin systems and external system according to embodiment of the present invention A kind of schematic diagram of framework of interconnection;

Fig. 7 is the main step of the method for the on-line payment digital cash according to embodiment of the present invention Rapid schematic diagram;

Fig. 8 is main group of the system of the on-line payment digital cash according to embodiment of the present invention Into partial schematic diagram.

Embodiment

The one exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including this hair The various details of bright embodiment should think them only exemplary to help understanding. Therefore, it will be appreciated by those of ordinary skill in the art that, the embodiments described herein can be done Go out various changes and modifications, without departing from scope and spirit of the present invention.Equally, in order to clear Chu and simplicity, eliminate the description to known function and structure in following description.

In embodiment of the present invention, digital cash of the description based on cryptarithm is (hereinafter referred to as D-RMB) design, main operation mode is that the Central Bank is classified together with each business bank Build D-RMB systems.Here the Central Bank is the issuer of currency, such as Chinese people Bank.In the following description, the Central Bank is sometimes referred to simply as " Central Bank ", similarly, business Industry bank is sometimes referred to simply as " firm ".Digital cash is separately expressed as " DCoin”。

D-RMB systems are to be based on DCoinThe fund transfer system of transaction, it is by the Central Bank and respectively Business bank combines operation together.D-RMB systems include the core for running on optional network specific digit center D on serverCoinDistribution, client's login, account management of customer, trade management, fraud detection, Core business module, the also needs such as the mobile phone including user terminal, notebook computer and kernel service The terminal client program of device interaction, meanwhile, it also includes DCoinFund transfer system operation is relied on The whole country in include internet, such a opening mode of mobile radio communication electronics lead to Communication network.Before D-RMB systems are discussed, clearly:

1. it is compatible with the circulation of existing commodity money.The distribution stream of digital cash in D-RMB systems Journey is issued with circulating with reference to commodity money as far as possible with intermediate links, digital goods in D-RMB systems Coin is deposited after three links, and one is the digital cash floatation treasury (i.e. digital cash fund) of Central Bank; Two be the inventory figures cash of the bank storehouse of business bank, i.e. business bank;Three be user terminal In client applications, i.e. stored value card.During this different link, D-RMB registration Center can complete the log-on operation of correlation.

2.D-RMB digital cash is without Proxy Signature.Anonymous protection in a limited degree in use.

3.D-RMB digital cash can rely on heterogeneous networks to circulate, may with electronic digital form Exist in the various electronic device terminals of mobile phone, IC card chip, notebook computer etc., lead herein D-RMB digital cash is deposited come example of discussing using mobile phone and IC-card as carrier, but simultaneously It is not intended that it can only be using mobile phone and IC-card as carrier.

The payment mode of 4.D-RMB system designs is the transfer by D-RMB digital cash (i.e.:DCoinTransaction) realize.

5.D-RMB systems will obey the relevant institutions requirement of China's cash management.Specific requirement by Business department's demand is determined.

6. to avoid competing with existing book keeping operation Payment System homogeneity, D-RMB systems can be designed The quota degree that is limited is paid.

For convenience of follow-up description, to following notation convention:

Enc:Encryption, herein refers to user and is downloaded from IBC centers after private key, with the private key pair of oneself Information is sent to be signed and be encrypted with the public key of other side.

Dec:Decryption, the decryption of document received is carried out in particular to user with the private key of oneself, and with right Square cell-phone number is signed as correspondence public key (or directly public key) to the information that user sends Confirm.

DBank:Refer to the reserve account that bank opens up in Central Bank's centring system, be used as book keeping operation.

DCoin:Refer to the D-RMB digital cash that Central Bank is generated by the encryption mechanism of oneself, be a string Character, represents certain amount of money RMB.

DCoin 100:Refer to the D-RMB digital cash that Central Bank is generated by the encryption mechanism of oneself, be one String numeral, represents 100 yuans, the like, index number represents actual RMB number Volume.

BAccount:The Bank Account Number of bank of deposit where user.

H(M):The value that Hash operation is obtained is carried out to M, M can be cell-phone number, Institution Code Or a string of characters, numerals etc..

D-RMB is as digital cash, by People's Bank of China sets up concurrently as legal tender Circulation is advanced into, is tendered guarantee by People's Bank of China as final credit side, national standard is participated in Converting, converging and consumption in framework.It is a string of codes, with " face amount " in actual circulation The same value of money meaning.D-RMB digital cash simulates distribution and management of the paper bank note in Central Bank Flow, number is disposably generated in D-RMB floatation treasurys by this digital cash circulation of Central Bank Word currency.

In D-RMB system designs, DCoinIt can be produced by least unit denomination, can also root Produce, can also be produced by commodity money denomination in circulation, specifically according to the specific Withdrawal Amount of user Which kind of it can be set by mode by systematic parameter in initial procedure.For closer to reality, subsequently with Fix exemplified by denomination to be illustrated in circulation.

D-RMB in floatation treasury simulates the face amount in circulation completely, and " printing " produces digital generation Table " one circle, Wu Yuan, pick up circle, 20 circle, 50 circle, 100 circles " etc., one encryption Text represents the D-RMB digital cash of a face amount.

Produce D-RMB by fixed face amount, such as represented by the 5th set of production D-RMB (if need to give birth to Production:DCoin 1、DCoin 5、DCoin 10、DCoin 20、DCoin 50、DCoin 100) then:

Step 1:Six are produced respectively with numeral 1,5,10,20,50 and 100 by main password Basic Crypted password.

Step 2:By hash algorithm generation system random number.Random number can be understood as serial number.

Step 3:By representing the basic Crypted password and random number encryption of different values of money, generation encryption Password.

Step 4:By Central Bank, private key pair encryption password is signed, and is represented new coin and is produced.If carry Money people, which will carry, represents 100 yuans of DCoin 100, then, can be by representing during actually withdrawing deposit 100 yuan of unique random number word and corresponding basic Crypted password encryption generation encrypted cipher text m, then by Central Bank's private key is signed to m.

In D-RMB systems, there are digital cash floatation treasury, the digital goods of business bank of Central Bank Coinage silver row storehouse and the stored value card of user terminal (such as mobile phone).The substance of digital cash transfer Including:

(1) according to digital cash total volume of issuing, the unified generation digital cash of Central Bank (produces number Word monetary fund), it is stored in Central Bank floatation treasury.

(2) according to the demand application of business bank's digital cash, digital cash is sent to accordingly The database of digital cash, i.e. digital cash are deposited from floatation treasury to bank storehouse by business bank.

As certain is according to note issuance total amount, Central Bank distribution 1,000,000,000 D-RMB, these D-RMB It is placed in after distribution in the floatation treasury of Central Bank.Later according to the application of certain bank from this 1,000,000,000 Wherein 200,000,000 are withdrawn in D-RMB, these 200,000,000 D-RMB being lifted off are stored in the bank Bank storehouse in (bank Central Bank required reserve account for reduce 200,000,000, meanwhile, The D-RMB of 2 hundred million is stored in the bank storehouse of the business bank, and its operation etc. of keeping accounts is compared with reality Thing currency is drawn), in Register, the corresponding owner of these digital cash is changed to by Central Bank Business bank, and record the information such as corresponding operating flowing water.

(3) user application extract digital cash when, digital cash from bank storehouse to intermediate links, Into in the storage medium of subscription client (such as in mobile phone), i.e., the electricity from bank storehouse to user Sub- wallet.In Register, the corresponding owner of these digital cash is changed to user by business bank, And record the information such as corresponding operating flowing water.

(4) in intermediate links, digital cash is entered between two users each stored value card Row shifts to complete to pay, and now pays and is divided into online transaction and off-line trading, specific Business Stream Journey carries out labor later.In Register, the corresponding owner of these digital cash by with Family 1 is changed to user 2, and records the information such as corresponding operating flowing water.

In numbers above currency transfer process, the Register of D-RMB systems need to verify transaction The legitimacy of digital cash, records transaction journal and corrects the new owner of correspondence digital cash, with And register other information needed (specifically being determined by business demand).

If using IC-card as carrier, also there is the work of pre- fabrication, in the work of pre- fabrication, Central Bank's digital coin systems and business bank's digital coin systems are to including storage medium D-RMB chip cards carry out sequence of operations, mainly have:Central Bank's digital coin systems are by pre- The content first specified generates the individuation data of D-RMB chip cards;Digital cash system of business bank Unite and the personal information of the user of application D-RMB chip cards is write into the D-RMB chip cards;Business Industry bank digital coin systems are with user IBC public keys to Verification System application IBC private keys, user IBC public keys are the mark of D-RMB chip cards or the mark of the user.Related in operating above And main flow as shown in figure 1, Fig. 1 is the pre- fabrication relevant with embodiment of the present invention The schematic diagram of the main flow of work.

Card base is used as DCoinSafety barrier, in DCoinThe links of circulation are for ensureing DCoin's Security has certain booster action, and (independent physical support IC-card is also referred to as " D-RMB cores Piece card ").

(1) production of D-RMB chip cards

The production of D-RMB chip cards must be by by Central Bank's certification, with production qualification Enterprise production, for its manufacturing quantity and quality by the Central Bank (or center silver Other departments that row is authorized) strict control.Enterprise qualification identifying procedure includes:Submission application, The links such as material examination & verification, scale detection, scene test and appraisal, mandate qualification.

(2) personalization of D-RMB chip cards

Individuation data is generated by the Central Bank in D-RMB chip cards, and authorizes relevant departments to build Vertical individualized center, individual operation is carried out to the D-RMB chip cards of new production.

(3) distribution of D-RMB chip cards

System can support system of real name hair fastener and anonymous hair fastener.

System of real name hair fastener:D-RMB chip cards are by individual subscriber application, system of real name hair fastener, in Entreat bank authorization business bank on behalf of distribution, business bank carries out real name examination & verification to user, and steps on After remembering that related data, examination & verification pass through, secondary hair fastener is carried out to the D-RMB chip cards of the Central Bank, The personal information of user is write in D-RMB chip cards.

Anonymous hair fastener:User directly claims D-RMB chip cards to business bank, and business bank can Chosen whether to verify applicant's identity information according to actual conditions.

Business bank according to actual conditions select using D-RMB chip cards unique identifying number or User mobile phone number applies for private key as user's IBC public keys, and then to IBC authentication centers.

D-RMB systems are supported with computer equipment, mobile phone, POS, ATM and Web etc. Mode is as carrier, in selection line or off-line transaction, it is exemplified here it is middle will it is main using mobile phone as Illustrated exemplified by carrier.

On mobile phone terminal, the unblock such as various numerical ciphers, graphical passwords is set and startup password The safety of personal information on mobile phone can effectively be protected.It is all kinds of with the arrival in smart mobile phone epoch Finger print mobile phones based on biological characteristic have been enter into ordinary consumption group, it can for different application, Different customizing messages take different encrypting fingerprints, and the application of these new technologies can effectively ensure that mobile phone The storage safety of upper digital cash, pertinent transaction information.

To ensure transfer safety of the digital cash between mobile phone, D-RMB systems need to introduce safety and recognize Card system.Existing ca authentication center, social user's (bag are utilized between the Central Bank and financial institution Include personal and enterprise) enter using IBC (Identity-Based Cryptograph) authentication center Row authentication.

For the private key and Central Bank's public key produced in IBC, PKI, need to be stored in reliable and securely The exclusive region SE areas of safety (Secure Element) of mobile phone, SE areas can be by hardware (mobile phone Change card) or card technique HCE (Host Card Emulation) is simulated by main frame realized.If User, which takes, to be changed card to protect key, then key is downloaded in card application process is changed to mobile phone SE areas.

It in authentication system process of construction, can design, unite according to traditional PKI authentication system One sets up PKI systems, and strong digital signature is provided by CA, can also be designed by IBC, with Family cell-phone number is managed as public key, especially for the offline electronic payment of small amount, it appears that more To be convenient.Hereafter all introductions to business will be illustrated with IBC certifications.Fig. 2 is and this hair The schematic diagram of the flow of the relevant user's registration D-RMB accounts of bright embodiment, Fig. 3 be and this The schematic diagram of the relevant D-RMB process of exchanges of invention embodiment.

When carrying out user's registration, mainly there is below scheme:Central Bank's digital coin systems exist Receive after the proof of identification information that the terminal device that user uses is sent, sent out to the terminal device Send the application software suitable for the terminal device;Central Bank's digital coin systems are described to operation The terminal device of application software sends IBC public keys and IBC private keys, is then set with the terminal It is standby to carry out authentication session and session key agreement;Central Bank's digital coin systems are received The user account that the terminal device of the application software is sent is run, is then set to the terminal Preparation send user cipher.

With digital cash D from user 1 to 50 yuan of 2 on-line payment of userCoin 50Exemplified by, to illustrate It is related to D in process of exchangeCoin 50Security protocol during transfer.User 1 logs in the mobile phone A PP of oneself Application program, completes both sides' authentication with D-RMB systems, and consult in SSL modes After session key, trade agreement is performed.Exemplified by using cell-phone number as IBC public keys, in user 1 Cell-phone customer terminal:Cell-phone customer terminal chooses 50 yuan of digital cash D automaticallyCoin 50, according to transaction Regular weaves relevant information M | | m, wherein M can be designed as:M=transaction codes | | cell-phone number 1||DCoin 50| | payment | | cell-phone number 2, message H (M) is obtained to message segment Hash operation, with The corresponding private key of cell-phone number 1 carries out signing to obtain m to H (M), cryptographically sends M | | m to D-RMB systems.

D-RMB system ends:M is obtained by agreement decrypted message | | m, verifies message validity, i.e., It is the checking m and H (M) of cell-phone number 1 with public key, prevents message to be tampered in transmitting procedure;Test Demonstrate,prove DCoin 50It is whether legal, trading rules and relevant information are understood, corresponding operating, main bag is performed Include Register's change D after business checkingCoin 50Owner, cell-phone number is changed to by the cell-phone number 1 bound 2, and record corresponding flowing water.Send DCoin 50Merchandised successfully to mobile phone 2, and to both sides' prompting.

To further enhance anonymity, Register's ownership correspondence cell-phone number can be changed to cell-phone number Hash (uses for reference bit coin wallet address, be made up of public key Hash), is described in detail below:

Client tissue message is constant, in the cell-phone customer terminal of user 1:The automatic number for choosing 50 yuan Word currency DCoin 50, according to trading rules tissue relevant information M | | m, wherein M can be designed as M=transaction codes | | cell-phone number 1 | | DCoin 50| | payment | | cell-phone number 2, to message segment Hash Computing obtains message H (M), and the m that signs to obtain is carried out to H (M) with the corresponding private key of cell-phone number 1, with Cipher mode sends M | | m to D-RMB systems.

D-RMB system ends:M is obtained by agreement decrypted message | | m, verifies message validity, i.e., It is the checking m and H (M) of cell-phone number 1 with public key, prevents message to be tampered in transmitting procedure;Test Demonstrate,prove DCoin 50It is whether legal, trading rules and relevant information are understood, corresponding operating, main bag is performed Include Register's change D after business checkingCoin 50Owner, is changed to by the H (cell-phone number 1) bound H (cell-phone number 2), and record corresponding flowing water.Send DCoin 50Pointed out to mobile phone 2, and to both sides Merchandise successfully.

On the design of system convenience, in embodiments of the present invention, the interface of transaction and entrance Have a variety of.During scene citing, only illustrated with an entrance, such as registered user is in business Industry bank transacting business, you can by the first direct login D-RMB systems of the adept machine of user, also can be by Business bank logs in D-RMB systems.

On account password problem, can be needed whether to need user come flexible design according to business Input account password.Small amount payment system based on D-RMB systems, it is proposed that it is contemplated that by with Whether family unrestricted choice sets password.In the explanation of embodiment of the present invention, by not staying password To describe, but in the implementation, can be according to actual conditions depending on.

On client application problem, user can download corresponding client application In oneself corresponding terminal (such terminal software is equivalent to " wallet " instrument), such as mobile phone User can download D-RMB mobile phone terminals program (alternatively referred to as mobile phone A PP).Terminal program It can design comprising following functions:One is DCoinManagement function.(1) terminal program can be automatic Count all DCoinThe amount of money;(2) amount of money number that can be inputted according to user is automatically found " wallet " Interior DCoinCombination, and the automatic selected D matched in payment processCoinIt is traded;(3) After the completion of transaction, the D of expenditure will be participated in automaticallyCoinDeleted;(4) can automatic distinctive mark Digital cash in " wallet " without Central Bank's on-line testing and registered digital cash is verified. Two be finishing service need function, such as online application for registration, extract, pay, cashing, The business functions such as offline payment request, and be automatically performed in process of exchange public key encryption, Private key signature etc. is operated.

Generally speaking, the key element of D-RMB systems is a kind of coin, two class libraries, three centers:

A kind of coin, i.e. " D-RMB ", also referred to as DCoin, refer in particular to what is signed by Central Bank for a string Represent the encrypted numeric string of the specific amount of money.

Two class libraries:It is D-RMB floatation treasury and bank storehouse respectively.Digital cash is in floatation treasury Show as the digital cash fund of Central Bank;Digital cash shows as commercial silver in bank storehouse Capable inventory figures cash.

Three centers:One be Register (including currency produce, circulate, check verification and disappear Die overall process record);Two other is authentication center, i.e., ca authentication center (is based on PKI System, is managed concentratedly, such as CFCA to mechanism and user certificate) and IBC authentication centers, The authentication center (Identity-Based Cryptograph) that cryptographic technique i.e. based on mark is set up. Two tables can be designed in Register, one is digital cash right registration table, records digital cash Ownership, another be transaction flow water meter.

Identity- based cryptography IBC in embodiment of the present invention can be directly with user's Identity no longer relies on certificate as public key, the certification of public key, simplifies the use of key With management, there is no catalogue, easy to use, easy to maintain.

For identity, personal user can use cell-phone number, it would however also be possible to employ with mobile phone The E-mail addresses matched somebody with somebody or the character string of other process conversion, so facilitate client itself to remember, Other people are unable to find out), to reach controllable anonymous purpose.Enterprise customer can use tissue Institution Code, can also be used as the identity at IBC centers, with this using customized code It is convenient only by taking cell-phone number as an example in citing below to illustrate as public key.

D-RMB systems are a kind of systems of stagewise, i.e., be total to by the Central Bank with each business bank Build, Central Bank's digital coin systems are by the Central Bank or Central Bank's Notified body operation dimension The computer system for being used for handling the information on digital cash of shield, its major function includes negative The distribution and checking for blaming digital cash are monitored, and business bank is referred to by business bank or business bank Determine the computer system for being used for handling the information on digital cash of mechanism operation maintenance, it is held The various functions of the relevant currency of the existing bank of row, i.e. bank function, it is main to include from central silver Row is applied to after digital cash, is responsible for region be directly facing society, meets and provides digital cash circulation clothes Every demand of business.

In the basic structure according to the digital coin systems of embodiment of the present invention, digital cash System mainly includes Central Bank's digital coin systems, business bank's digital coin systems (in reality Can be multiple business bank's digital coin systems in border) and Verification System.Wherein, in Centre bank digital coin systems are used to producing and issuing digital cash, and digital cash is carried out Right registration;Business bank's digital coin systems are used to perform bank function for digital cash; Verification System is used for whole used in the user of Central Bank's digital coin systems and digital cash Interaction between end equipment provides certification, and to Central Bank's digital coin systems and commercial silver Interaction between row digital coin systems provides certification.

Fig. 4 is to provide online service according to the D-RMB digital coin systems of embodiment of the present invention When general frame a kind of structure schematic diagram.

In general frame shown in Fig. 4, the core of D-RMB digital cash operating is business bank Digital coin systems, Central Bank's D-RMB systems are connected with firm D-RMB systems, are responsible for progress Trade confirmation.Firm's D-RMB systems and Central Bank's D-RMB systems can make full use of advanced Cloud carry out scattered deployment, while firm's D-RMB systems and the interconnection of its built-in system are mutual It is logical.

From fig. 4, it can be seen that business bank's digital coin systems are in core position and other nets Network or system are connected, and can apply " cloud computing technique construction.D-RMB digital coin systems branch The network data of various different agreements is held, such as:Virtual private network, special line, satellite network, Public switch telephone network (PSTN), global system for mobile communications (GSM), public land are moved Dynamic net (PLMN), variant network can be achieved directly or indirectly to be connected with central server.

Firm's digital coin systems are connected with Register of Central Bank, are likewise supplied with four basic functions Module:From motion tracking account possess how many D-RMB digital cash electronic purse function module, The supervision work(of suspicious transaction is shifted and recognized from the D-RMB digital cash between motion tracking each side Can module, e-bank's service function and manageming contacts CRM functional module.

The logic placement of server in business bank's digital coin systems uses the side of three-tier architecture Formula:That is expression layer, that is, front end applications system 200;Backend application system 202, is also named meeting Session layer, application layer, or logical transaction layer;Background data base 204 is data Layer.Its is corresponding Physical machine disposes block diagram as shown in figure 5, Fig. 5 is the commercial silver according to embodiment of the present invention The schematic diagram for the computer system that row digital coin systems are included.

Front end applications system 200 is directly mutual with money-transfer services operator for running user Dynamic application program, such as web application, what is disposed herein is Web server cluster. User and money-transfer services operator are interacted by user interface and these application programs, user Interface has personal computing devices 114 and mobile device etc..User can access electricity by this entrance Sub- wallet function, supervisory role, virtual bank's function, CRM functions.Can on Web server Using open source softwares such as apache.

Backend application system 202 be mainly used to be support front end applications system 200 data access, The background functions such as business logic processing.This regional deployment application server.D-RMB digital cash It can use with the JBOSS instruments under Red Hat open source systems come development and application program.

Background data base 204 is mainly DataBase management system, including data warehouse, Store sales transactions, customer profile and tracking and the regulation Central Bank numeral of transferring money Money-system carries out other data required for the transfer of D-RMB digital cash.D-RMB numerals Money-system can use using Oracle DBMS and be used as design of database system.

Above-mentioned firm's digital coin systems can be interconnected with external system, and a kind of optional framework is such as Shown in Fig. 6, Fig. 6 be according to business bank's digital coin systems of embodiment of the present invention with it is outer A kind of schematic diagram of framework of portion's system interconnection.

Upper figure demonstrate business bank's digital coin systems with including Central Bank's central server, other The physics and logic placement of various external system adapters including business bank's system.There is currency Transaction data adapter, mobile service providers SMS gateway adapter, Retailer system adaptation Device, ATM data supply system adapters etc., central server can by way of this interconnection To receive the digital cash transfer request from every class entity and response.Fig. 6 is absolutely proved D-RMB digital coin systems are to the good support of each channel, networks of different protocol, and this is also it System has the performance of open feature.

Below will be using user mobile phone as terminal mode, using cell-phone number as identity, to behaviour The miscellaneous service flow for making D-RMB is illustrated by, mainly log in, extract including client downloads, The flow such as pay, deposit and cash, carry out face-to-face mode of doing business to illustrate.The client of user End logs in, extracted, cash flows require that user must complete under presence, and pays Journey can be divided into on-line payment and offline electronic payment, then form multiple scene states and its corresponding Flow, each flow purpose to be reached is realized by series of operation steps.Except mobile phone In addition, other intelligent terminals being likely to occur at present and in the future can serve as D-RMB load Body simultaneously performs miscellaneous service flow.

Individually below to the summary of flow (following " process description ") and scene state (with Under " scene explanation ") and (following " step the step of realize the flow in this scenario Rapid explanation ") it is been described by one by one.

Download and log on subscription client, performed by below scheme:

Process description:The APP installation procedures that user is provided by mobile phone-downloaded by business bank are stepped on Record D-RMB systematic procedures.

Scene explanation:Qualified business bank (such as industrial and commercial bank) connection ca authentication center, IBC authentication centers and Register, digital cash service is provided to user.User passes through under mobile phone The APP installation procedures provided by business bank are provided and log in business bank's D-RMB systems.

Step explanation:

Step 1. user logs in firm (such as Industrial and Commercial Bank of China) D-RMB system pages with mobile phone, The mobile phone A PP installation procedures provided by business bank are downloaded, for (the IBC certifications of existing account Center) user, can directly log in;For new user, it is necessary at the beginning of carrying out account first Beginningization is operated;

Step 2. is initialized:In page typing relevant information (such as name, address, Email Address, cell-phone number, identification card number, register account number are cell-phone number etc.), click on and send;

Step 3. business bank:IBC authentication centers are connected, D-RMB numerals are created for the user Money-system unique account, and in its uniqueness of IBC central authentications.Personal user can use hand Machine number, generates user's initial log password and is sent to user mobile phone;IBC centers are according to cell-phone number The private key of user is produced, public key is user mobile phone number, and circulation is traded using public key as account;

Step 4. user mobile phone end:Activated Account after receiving initial log password, download user Private key and Central Bank's public key are stepped on to mobile phone protective zone by logging on mobile phone A PP to change Password is recorded, initialization is completed.

If Mobile phone card is changed in user's application, key can be implanted in card SE areas in advance in advance.

The method and system of the on-line payment digital cash in embodiment of the present invention is made again below It is further described.

Fig. 7 is the main step of the method for the on-line payment digital cash according to embodiment of the present invention Rapid schematic diagram.As shown in fig. 7, the method for the on-line payment digital cash of the present invention mainly includes Steps S71 to step S74.

Step S71:First user terminal is extracted and payment instruction institute according to the payment instruction of reception The equal digital cash of the amount of money specified, and generate the first request and be sent to the digital goods of business bank Coin system, wherein, the first request includes second user terminal iidentification and the digital cash, the One asks to be used for carry out owner's change to the digital cash;

Step S72:Business bank's digital coin systems are after the first request is received, generation second Request is then sent to Central Bank's digital coin systems, and second asks to be used for the digital goods Coin carries out owner's change;

Step S73:Central Bank's digital coin systems perform the behaviour of preset term according to the second request Make and successfully indicate operation to return to business bank's digital coin systems, the behaviour of preset term The operation that owner's change is carried out to the digital cash is included in work;

Step S74:Business bank's digital coin systems are received after the successful instruction of operation, will be described Digital cash is sent to second user terminal.

In technique according to the invention scheme, step S72, business bank's digital coin systems life Into second request before, in addition it is also necessary to confirm the digital cash that the first request includes it is legal, The amount of money of the digital cash extracted is equal with Payment Amount, and second user terminal is Registration is completed in digital coin systems.When carrying out the confirmation of information above, generally by Judge the legitimacy of the digital cash, judge the amount of money of the digital cash extracted with paying Whether the money amount of money is equal, and judges whether second user terminal is complete in digital coin systems Realized into registration etc., when the above-mentioned result judged is all as "Yes", then perform step S72.

Also, in step S73, Central Bank's digital coin systems perform pre- according to the second request If before the operation of project, in addition it is also necessary to confirm the category for the digital cash that the second request includes Main is the first user terminal.Equally, the digital goods that the request of confirmation second includes is being performed It is also by whether judging the owner of the digital cash when owner of coin is the first user terminal Realized for the first user terminal, if the owner of the digital cash is the first user terminal, Then Central Bank's digital coin systems perform the operation of preset term according to the second request.

The digital goods that business bank's digital coin systems are extracted included in the operation of preset term Coin carry out owner's change operation can be specifically:The owner of the digital cash is used by first Family terminal modifications are second user terminal.In the present invention, the operation of preset term is in center What the Register of bank's digital coin systems was carried out, carry out the category of digital cash in Register During the registration of main information, correspondence owner's information can record as public key Hash, such as H (cell-phone number), To strengthen anonymity, or in Register, public key can be by user's sets itself, user Also public key etc. can be represented with a string of meaningless codes completely.

Also, it can also include recording corresponding Transaction Details information in the operation of preset term, The Transaction Details information for example including:This time hand over incident time, owner's change time with And before changing after owner's information etc., can be recorded according to different transaction contents, so as to Inquire about in the future.The owner of digital cash is the owner of digital cash, when progress digital cash Transaction when, it is necessary to Central Bank's digital coin systems Register by the digital cash pair The owner's information for the character string answered is modified, and is recorded, to represent the digital cash Owner changed.

In addition, the digital cash is sent to second user end by business bank's digital coin systems After end, transaction successfully prompting can also be sent to the first user terminal and second user terminal Information, to point out this time transaction to run succeeded.

In the inventive solutions, digital cash is character string;The user terminal is hand Machine, and the identifier of the user terminal is phone number.The need for actual use, use Family terminal can also include other mobile devices that can be networked, such as tablet personal computer, and use The identifier of family terminal for example can be customized a string of unique strings or E-mail address Location etc..

Digital cash is paid by user by application program of mobile phone APP with the user 1 that pays the bill below Exemplified by 2, the detailed step of the method for the on-line payment digital cash of the present invention is illustrated.

Step 1:Pay the bill the login cell-phone customer terminal APP of user 1, selection function " payment ", and Input Payment Amount (such as 200 yuan), payee's cell-phone number (such as cell-phone number 2) information, point Hit " transmission ";

Step 2:Cell-phone customer terminal:The information such as the payment instruction inputted according to payment user 1, from It is dynamic to extract the digital cash D that total amount is 200 yuanCoin 100And DCoin 100' (in the present invention, mobile phone Client extracts the operation of digital cash, the actually application program to be installed on cell-phone customer terminal APP --- digital coin systems perform the operation of the corresponding character string of record digital cash), and root Business bank's digital coin systems D-RMB systems are sent to according to trading rules tissue relevant information; Herein, trading rules can for example include:The transaction code of payment operation, the first user is whole End mark is (i.e.:The cell-phone number of user 1), the digital cash (D that is extractedCoin 100And DCoin 100')、 Payment Amount, and second user terminal iidentification is (i.e.:The cell-phone number of user 2) composition first Message segment;Computing is encrypted (for example to first information section:Hash operation etc.), obtain Two message segments;The second message segment is carried out at signature with the corresponding private key of the first user terminal identification Reason, obtains the 3rd message segment;First information section and the 3rd message segment are sent in the way of encryption Give business bank's digital coin systems.For example:Assuming that the transaction code of payment operation is F, first User terminal identification and second user terminal iidentification are cell-phone number, the digital cash extracted Identification code is with DCoinRepresent, Payment Amount is 200 yuan, then first information section M is represented by:

M=F | | cell-phone number 1 | | DCoin| | 200 yuan | | cell-phone number 2;

Afterwards, Hash operation is carried out to first information section M, obtains the second message segment H (M);

Second message segment H (M) is signed with the corresponding private key of cell-phone number 1 again, the 3rd is obtained Message segment m;

Finally, by M in the way of encryption | | m is sent to business bank's digital coin systems.Its In, the mode of encryption has a variety of, is flexibly set according to the need for application;

Step 3:Business bank's digital coin systems:Understand trading rules and relevant information, checking The legitimacy of the payment request, such as:Veritify digital cash DCoin 100、DCoin 100' legitimacy, pay Whether the money amount of money is consistent with digital cash value of money, whether user 2 is registered user etc., in checking By rear, message will be reorganized according to trading rules to Central Bank's digital coin systems The D-RMB system forwards payment request;Herein, trading rules can for example include:Will payment The transaction code of operation, the first user terminal identification are (i.e.:The cell-phone number of user 1), carried Digital cash (the D takenCoin 100And DCoin 100'), and second user terminal iidentification is (i.e.:User 2 cell-phone number) composition first information section;Computing is encrypted (for example to first information section:Breathe out Uncommon computing etc.), obtain the second message segment;With the corresponding private key of the first user terminal identification to Two message segments carry out signature processing, obtain the 3rd message segment;By the first information in the way of encryption Section and the 3rd message segment are sent to business bank's digital coin systems.For example:Assuming that payment operation Transaction code be F, the first user terminal identification and second user terminal iidentification are cell-phone number, The identification code of the digital cash extracted is with DCoinRepresent, then first information section M is represented by:

M=F | | cell-phone number 1 | | DCoin| | cell-phone number 2;

Afterwards, Hash operation is carried out to first information section M, obtains the second message segment H (M);

The second message segment H (M) is signed with the corresponding private key of the business bank again, is obtained Three message segment m;

Finally, by M in the way of encryption | | m is sent to Central Bank's digital coin systems.Its In, the mode of encryption has a variety of, is flexibly set according to the need for application.Transaction rule The content that can be then verified as needed is flexibly set;Difference in practical application Situation, business bank is when organizing the payment request, if being accompanied by other transaction requests, For example:When user buys the finance product of the business bank simultaneously, then the business bank is also It can be reorganized according to trading rules and generate new request, and be sent to the digital goods of the Central Bank Coin system is handled together;

Step 4:Central Bank's digital coin systems:Receive after payment request, understand transaction rule Then and relevant information, and related content legitimacy is verified, such as:DCoin 100、DCoin 100' owner be No is user 1 etc., and after being verified, Register will perform following associative operation: Change DCoin 100、DCoin 100' owner's information, that is, by DCoin 100, DCoin 100' owner by it The wallet address (being, for example, the phone number of user 1) of the user 1 of preceding binding is changed to user 2 Wallet address, i.e. public key Hash, and record respective transaction flowing water;In the present invention, gone out The owner of existing digital cash refers to the holder of digital cash;

Step 5:Business bank's digital coin systems:Send DCoin 100、DCoin 100' corresponding character The mobile phone gone here and there to user 2, and merchandise successfully to sending on the mobile phone of user 1 and user 2 respectively Prompt message.

Fig. 8 is main group of the system of the on-line payment digital cash according to embodiment of the present invention Into partial schematic diagram.As shown in figure 8, the system 80 of the on-line payment digital cash of the present invention is led To include the first user terminal 81, business bank's digital coin systems 82, the digital goods of the Central Bank Coin system 83 and second user terminal 84.

First user terminal 81 is used for the payment instruction according to reception, extracts and the payment instruction The equal digital cash of the specified amount of money, and the request of generation first is sent to business bank's numeral Money-system, wherein, first request includes second user terminal iidentification and the digital goods Coin, described first asks to be used for carry out owner's change to the digital cash;Business bank's numeral Money-system 82 is used for after first request is received, and the request of generation second is then sent to Central Bank's digital coin systems, described second asks to be used for carry out owner to the digital cash Change;And receiving the operation success that Central Bank's digital coin systems are sent Instruction after, the digital cash is sent to second user terminal;Central Bank's digital cash System 83 is used to receive second request, and performs preset term according to the described second request Operate and successfully indicate operation to return to business bank's digital coin systems, it is described pre- If including the operation that owner's change is carried out to the digital cash in the operation of project;Second user Terminal 84 is used to receive the digital cash that business bank's digital coin systems are sent.

Business bank's digital coin systems 82 are then sent to Central Bank's number in the request of generation second Before word money-system, it can be also used for, business bank's digital coin systems confirm described First digital cash that includes of request is legal, the digital cash amount of money with described pair The money amount of money is equal, and the second user terminal completes registration in digital coin systems.

Central Bank's digital coin systems 83 are performing the behaviour of preset term according to the described second request Before work, it can be also used for, Central Bank's digital coin systems confirm second request The owner of the digital cash included is first user terminal.

Wherein, the operation of owner's change includes:By the owner of the digital cash by described First user terminal is revised as the second user terminal.

The digital cash is being sent to the second user by business bank's digital coin systems 82 After terminal, it can be also used for, business bank's digital coin systems are to first user Terminal and the second user terminal send the successful prompt message of transaction.

In the present invention, the digital cash is character string;The user terminal is mobile phone, and The identifier of the user terminal is phone number.

It is illustrated below for repeat business detection.In the case of online transaction, D-RMB systems Pass through DCoinCarry out anti-repeat business with user account binding mode.Register in D-RMB systems There is a right registration table, record sheet pattern can be designed such as table 1:

Table 1

Digital cash name Owner Remarks Pbc100adfkl09987766670 138xxxxx001 DCoin 100 …… …… …… Pbc50cadfkl09987766670 137xxxxx002 DCoin 50

User 1 (cell-phone number 138xxxxx001) is to user 2 (cell-phone number 138xxxxx002) Pay DCoin 100During, D-RMB systems Register right registration table:Change DCoin 100It is right Owner is answered, owner's field Central Plains cell-phone number 138xxxxx001 wallet address is changed to mobile phone Number 138xxxxx002 wallet address, if user 1 still wants to use DCoin 100To other user's branch Pay, now its owner has not been user 1, it is impossible to complete to pay, prevent from repeating to pay with this.

If Register's right registration table represents owner with public key Hash in D-RMB systems, Then Register's right registration table can be designed such as table 2:

Table 2

Assuming that H (138xxxxx001) value is 1Xadcfdgdadg, H (138xxxxx002) value is 2xcfdald3xgdf, user 1 (cell-phone number 138xxxxx001) is to (the cell-phone number of user 2 138xxxxx002) pay DCoin 100During, D-RMB systems Register right registration table: Change DCoin 100Correspondence owner, 1Xadcfdgdadg in owner's field is changed to 2xcfdald3xgdf, if user 1 still wants to use DCoin 100Paid to other users, now its owner It has not been user 1, it is impossible to complete to pay, has prevented from repeating to pay with this.

In the case of off-line trading, paid by delayed repetition and check to find and call to account, it is several at present The repetition that all electronic cash systems are carried out, which is paid, checks it is all delayed, that is, repeats to pay Inspection is carried out all after the completion of payment process.

The transaction that we set simultaneously is small amount payment (being less than 1000 yuan), for personal user It is an acceptable scope, and using calling to account mechanism afterwards, to record of bad behavior by typing Credit investigation system is to discipline as a warning.

Technical scheme according to embodiments of the present invention, is carried out online by using subscriber terminal equipment Delivery operation, so as to digital cash of flexibly and easily merchandising;Cross many in links progress Secondary checking, and according to trading rules tissue relevant information and send, so as to strengthen transaction Security;The owner for carrying out digital cash by Central Bank's digital coin systems changes, can To realize by the trading situation of the unified record digital cash of the Central Bank, so as to realize digital cash Safety and unified management.Digital cash is directly perceived, user friendly and cost is low, facilitates all kinds of use Family is operated, and Consumer's Experience is good;Reliable safety guarantee can be provided, hardware vendor is not exclusively relied on, Promote more convenient;The transaction record of electronization can be provided, be easy to user's financing statistics;Ensure Privacy of user, and can effectively evade the risk of illegal transaction.

For from convenience, terminals scheme (hereinafter referred to as " mobile phone side is used as using mobile phone Case ") provide more implementations and use means, system deployment facility, user's operation Convenience is good, be more easy to promote.

Consider from security, using mobile phone as D-RMB carriers, HCE and TEE side can be used Case, so as to there is provided bigger memory space, not exclusively rely on hardware vendor, is promoted more convenient.

With market other replace bank note money-system compared with, D-RMB tentatively have convenience it is good, Safe the features such as, convenience is showed in the following areas:

In issuing way, D-RMB is the digitlization of currency in itself, independent of any bank's account Family and single network;

On storage mode, D-RMB storage medium can be mobile phone or card, magnetic The electronic equipments such as disk, computer, have provided the user multiple choices.Especially using mobile phone as load The D-RMB of body can make full use of the keyboard of mobile phone, display, positioning, storage, calculating, logical The functions such as letter, can also secondary development, significantly expansion payment scene and convenience;

In the means of payment, it can both provide and pay transaction face to face similar to bank note, class can be also provided It is similar to the network remote payment transaction of electronic fare payment system, you can support is online, can also support to take off Machine is merchandised, and mode is convenient, flexible;

In transactions velocity, payment speed improves a lot than the online means of payment of swiping the card.Very Suitable for small amount rapid payment;

In use habit, both compatible original means of payment of swiping the card, can also be provided face-to-face Digital cash pay, while may also provide electronization transaction record, be easy to financing count, The acceptable degree of user is high.

Security is showed in the following areas:

Compared with other digital coin systems, D-RMB digital cash be by cash value conversion and A series of Electronic Coding sequence numbers come, complete to pay by the transfer of these ciphering sequence numbers Transaction.The security of coin in itself is protected by cryptographic algorithm, can effective guarantee monetary information machine Close property and integrality, it is safe;

The security of D-RMB digital cash carriers is in mobile terminal using chip technology, on backstage High in the clouds utilizes trusted technology, realizes end-by-end security;

On the one hand the security of D-RMB digital cash transaction systems depends on traditional e-payment System security technology, while backstage utilizes powerful D-RMB cloud computing systems, is further ensured Transaction security;

In terms of privacy of user protection, by way of " foreground voluntarily, backstage real name ", both Privacy of user is ensure that, the risk of illegal transaction has been evaded again.

Above-mentioned embodiment, does not constitute limiting the scope of the invention.This area Technical staff is it is to be understood that depending on design requirement and other factors, can occur various Modification, combination, sub-portfolio and the replacement of various kinds.It is any within the spirit and principles in the present invention Modifications, equivalent substitutions and improvements made etc., should be included within the scope of the present invention.

Claims (12)

1. a kind of method of on-line payment digital cash, it is characterised in that including:
First user terminal according to the payment instruction of reception, extract with specified by the payment instruction The equal digital cash of the amount of money, and generate the first request and be sent to digital cash system of business bank System, wherein, first request includes second user terminal iidentification and the digital cash, institute Stating the first request is used to carry out owner's change to the digital cash;
Business bank's digital coin systems are after first request is received, generation second Request is then sent to Central Bank's digital coin systems, and described second asks to be used for the number Word currency carries out owner's change;
Central Bank's digital coin systems perform the behaviour of preset term according to the described second request Make and operation is successfully indicated to return to business bank's digital coin systems, it is described default The operation that owner's change is carried out to the digital cash is included in the operation of project;
Business bank's digital coin systems are received after the successful instruction of the operation, will be described Digital cash is sent to second user terminal.
2. according to the method described in claim 1, it is characterised in that business bank's numeral Before the request of money-system generation second, in addition to:
Business bank's digital coin systems confirm the numeral that first request includes The amount of money for the digital cash that currency is legal, extracted is equal with the Payment Amount, and The second user terminal completes registration in digital coin systems.
3. according to the method described in claim 1, it is characterised in that Central Bank's numeral Money-system is performed according to the described second request before the operation of preset term, in addition to:
Central Bank's digital coin systems confirm the numeral that second request includes The owner of currency is first user terminal.
4. according to the method described in claim 1, it is characterised in that the behaviour of owner's change Work includes:
The owner of the digital cash is revised as the second user by first user terminal Terminal.
5. according to the method described in claim 1, it is characterised in that business bank's numeral The digital cash is sent to after the second user terminal by money-system, in addition to:
Business bank's digital coin systems are to first user terminal and the second user Terminal sends the successful prompt message of transaction.
6. according to the method described in claim 1, it is characterised in that the digital cash is word Symbol string;The user terminal is mobile phone, and the identifier of the user terminal is phone number.
7. a kind of system of on-line payment digital cash, it is characterised in that whole including the first user End, business bank's digital coin systems, Central Bank's digital coin systems and second user terminal, Wherein,
First user terminal is used for the payment instruction according to reception, extracts and refers to the payment The equal digital cash of the specified amount of money of order, and the request of generation first is sent to commercial silver line number Word money-system, wherein, first request includes second user terminal iidentification and the numeral Currency, described first asks to be used for carry out owner's change to the digital cash;
Business bank's digital coin systems are used for after first request is received, generation Second request is then sent to Central Bank's digital coin systems, and described second asks to be used for institute State digital cash and carry out owner's change;And receiving Central Bank's digital coin systems After the operation sent successfully is indicated, the digital cash is sent to second user terminal;
Central Bank's digital coin systems are used to receive second request, and according to described Second request performs the operation of preset term and successfully indicates operation to return to the commercial silver Row digital coin systems, include in the operation of the preset term and the digital cash are belonged to The operation of main transformer more;
The second user terminal is used to receive the institute that business bank's digital coin systems are sent State digital cash.
8. the system of on-line payment digital cash according to claim 7, it is characterised in that Business bank's digital coin systems are additionally operable to before the request of generation second:
Business bank's digital coin systems confirm the numeral that first request includes Currency is legal, the digital cash amount of money is equal with the Payment Amount, and described second User terminal completes registration in digital coin systems.
9. the system of on-line payment digital cash according to claim 7, it is characterised in that Central Bank's digital coin systems are performing the operation of preset term according to the described second request Before, it is additionally operable to:
Central Bank's digital coin systems confirm the numeral that second request includes The owner of currency is first user terminal.
10. the system of on-line payment digital cash according to claim 7, its feature exists In the operation of owner's change includes:
The owner of the digital cash is revised as the second user by first user terminal Terminal.
11. the system of on-line payment digital cash according to claim 7, its feature exists In the digital cash is being sent to second use by business bank's digital coin systems After the terminal of family, it is additionally operable to:
Business bank's digital coin systems are to first user terminal and the second user Terminal sends the successful prompt message of transaction.
12. the system of on-line payment digital cash according to claim 7, its feature exists In the digital cash is character string;The user terminal is mobile phone, and the user terminal Identifier be phone number.
CN201610178583.6A 2016-03-25 2016-03-25 The method and system of on-line payment digital cash CN107230076A (en)

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CN1185851A (en) * 1995-04-21 1998-06-24 国有花旗银行 Electronic-monetary system
CN1405711A (en) * 2001-08-02 2003-03-26 阿尔卡塔尔公司 Electronic currency trading method, communication network, trading service device and programme module
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US20100306087A1 (en) * 2009-05-26 2010-12-02 Bradley Wilkes Systems and methods for electronically circulating a currency
CN103548044A (en) * 2011-03-07 2014-01-29 R·吉奥瑞 System and method for providing and transferring fungible electronic money
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Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1073789A (en) * 1991-11-15 1993-06-30 美商·花旗银行 Electronic-monetary system
CN1185851A (en) * 1995-04-21 1998-06-24 国有花旗银行 Electronic-monetary system
CN1405711A (en) * 2001-08-02 2003-03-26 阿尔卡塔尔公司 Electronic currency trading method, communication network, trading service device and programme module
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