CN107230079B

CN107230079B - Method and system for off-line payment by using digital currency chip card

Info

Publication number: CN107230079B
Application number: CN201610179317.5A
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: 2020-10-09
Anticipated expiration: 2036-03-25
Also published as: CN107230079A

Abstract

The invention provides a method and a system for off-line payment by using a digital currency chip card, wherein the method comprises the following steps: the acceptance terminal equipment receives the transaction amount under the condition that the network connection with the commercial bank digital currency system is not established; the user terminal equipment acquires the transaction amount from the acceptance terminal equipment in a close-range wireless connection mode and sends the transaction information to the acceptance terminal equipment; after the acceptance terminal device establishes network connection with the commercial bank digital currency system, the acceptance terminal device sends the transaction information to the commercial bank digital currency system; after receiving the transaction information, the commercial bank digital currency system sends a request for changing the owner to the central bank digital currency system; and after receiving the request for changing the owner, the central bank digital currency system changes the owner of the digital currency into a merchant code corresponding to the acceptance terminal equipment. The invention not only can effectively improve the payment experience of the consumer in the consumption process under the condition of ensuring the payment safety.

Description

Method and system for off-line payment by using digital currency chip card

Technical Field

The invention relates to the technical field of computer networks and computer software, in particular to a method and a system for off-line payment by using a digital currency chip card.

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 cipher, asymmetric cipher, message digest algorithm and identity-based cryptographic system, and the overall security of the cryptographic system, the selection of cryptographic algorithm, the implementation of cryptographic algorithm, the design of interactive protocol, the compatibility of international and domestic standards, etc. 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 and convenient payment services for users, and leads the 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 is changed, and new solutions are 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, text messaging, code scanning, sound waves, photons, coexistence of multiple modes provides convenience for communication between payment carriers.

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, the requirements for digital currency are different due to different roles: 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 currency cannot be illegally used and forged, and therefore, the digital currency E-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.

The traditional electronic payment is based on network payment or online card swiping payment, although the electronic payment mode provides a good payment mode for vast consumers, users who are unfamiliar with operation or are not used to carry bank cards with the users are not convenient, and therefore the consumption habits of the users cannot be well met.

In view of the above problems in the prior art, there is a need for a more convenient and flexible payment method that can provide both on-the-spot payment transaction similar to bank notes and network remote payment transaction similar to electronic payment systems.

In addition, mobile payment based on cards, terminal devices, and the like needs to meet the needs of more payment scenarios, for example, in an offline environment, how to realize safe and convenient transaction between two transaction parties and how to obtain user experience as good as through paper money consumption are technical problems that need to be solved currently.

Disclosure of Invention

In view of the above, the present invention provides a method and a system for offline payment using a digital currency chip card, so as to solve the problem of relatively limited payment methods in the prior art. Other objects, effects, and advantages of the present invention can be derived from the embodiments.

The technical scheme of the invention is to provide a method for off-line payment by using a digital currency chip card, which comprises the following steps: the acceptance terminal equipment receives the transaction amount under the condition that the network connection with the commercial bank digital currency system is not established; the user terminal equipment acquires the transaction amount from the acceptance terminal equipment in a close-range wireless connection mode and sends 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; after the acceptance terminal device establishes network connection with the commercial bank digital currency system, the acceptance terminal device sends the transaction information to the commercial bank digital currency system; after receiving the transaction information, the commercial bank digital currency system sends a request for changing the owner to the central bank digital currency system; and after receiving the request for changing the owner, the central bank digital currency system changes the owner of the digital currency into a merchant code corresponding to the acceptance terminal equipment.

Optionally, the short-range wireless connection mode includes: NFC, infrared or bluetooth.

Optionally, after the operation of receiving the payment information by the acceptance terminal, the method further includes: confirming that the owner of the digital currency conforms to the digital currency chip card and confirming that the transaction amount conforms to the currency value of the digital currency.

Optionally, before the operation of sending the request for changing owner to the central bank digital money system, the commercial bank digital money system further includes: confirming the legality of the digital currency, confirming that the owner of the digital currency is a digital currency chip card, confirming that the transaction amount is consistent with the currency value of the digital currency, and confirming that the account of the merchant is normally used.

Optionally, before the central bank digital currency system changes the owner of the digital currency into an operation of accepting the merchant code corresponding to the terminal device, the method further includes: confirming that the owner of the digital currency is a digital currency chip card and confirming that the transaction amount is consistent with the currency value of the digital currency.

Optionally, the digital currency 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 acceptance terminal device is a POS cash register or a mobile card reader.

Optionally, altering the owner of the digital currency to be paid comprises: and changing the wallet address of the digital currency in the ownership registration information into a merchant code corresponding to the acceptance terminal equipment.

Optionally, after the operation of changing the owner of the digital currency to accept the merchant code corresponding to the terminal device, the method further includes: the commercial bank digital currency system transmits prompt information indicating the success of the transaction to the user terminal device and the acceptance terminal device.

The invention also provides a system for off-line payment using a digital currency chip card, the system comprising: user terminal equipment, acceptance terminal equipment, a commercial bank digital currency system and a central bank digital currency system, wherein,

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 acquires the transaction amount from the acceptance terminal equipment in a close-range wireless connection mode and sends 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 used for sending a request for changing the owner to the central bank digital currency system after receiving the transaction information;

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

Optionally, the accepting terminal is further configured to: confirming that the owner of the digital currency conforms to the digital currency chip card and confirming that the transaction amount conforms to the currency value of the digital currency.

Optionally, the commercial bank digital currency system is further for: confirming the validity of the digital currency, confirming that the owner of the digital currency is the payment user, confirming that the transaction amount is consistent with the currency value of the digital currency, and confirming that the account of the merchant is normally used.

Optionally, the central bank digital currency system is further configured to: confirming that the owner of the digital currency is a digital currency chip card and confirming that the transaction amount is consistent with the currency value of the digital currency.

Optionally, the commercial bank digital currency system is further for: and sending prompt information for indicating the success of the transaction to the user terminal equipment and the acceptance terminal equipment.

According to the method and the system for the offline payment of the digital currency, provided by the invention, due to the digitalization of the currency, the method and the system do not depend on any bank account and a single network, and the payment experience of a consumer in the consumption process can be effectively improved under the condition of ensuring the payment safety.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts. In the drawings:

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. 4 is a diagram illustrating one configuration of an overall framework when the D-RMB digital money system provides online services according to an 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;

FIG. 7 is a flow diagram of a method for off-line payment using a digital currency chip card, according to an embodiment of the invention;

FIG. 8 is a block diagram of a system for off-line payment using digital currency chip cards, according to an embodiment of the 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, a central bank is sometimes simply referred to as a "central bank", and similarly, a commercial bank is sometimes simply referred to as a "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 comprises a D running on a core server of a particular digital center_{Coin (coin)}The system comprises an issuing module, a client login module, a client account management module, a transaction management module, a fraud detection module and a core service module, and also comprises terminal client programs needing to interact with a core server, such as a mobile phone and a notebook computer of a user end, and also comprises a server 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. and the method 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 D-RMB system design relies on the transfer of D-RMB digital currency (i.e., D: D)_{Coin (coin)}Transaction).

5, the D-RMB system is subject to the relevant system 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 is a deposit account opened in the central system of the central bank for accounting.

D_{Coin (coin)}: the 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 appointed row according to the own encryption mechanism is a string of numbers representing 100 yuan RMB, and so on, and subscript numbers represent actual RMBThe coin 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 managing process of paper currency in the central row, and digital currency is generated at one time 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.

Producing D-RMB at a fixed denomination, e.g., producing a representative D-RMB according to the fifth set (production required: 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: signing of encrypted password by private key of central lineAnd 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) according to the total amount of issued digital money, digital money (i.e., the fund for digital money) is generated at the central bank and stored in the central bank.

(2) According to the demand application of the digital currency of the commercial bank, the digital currency is sent to a database of the corresponding commercial bank for storing the digital currency, 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 the IC card is used as a carrier, the work of preparing the card exists, and in the work of preparing the card, a central bank digital currency system and a commercial bank digital currency system carry out a series of operations on a D-RMB chip card containing a storage medium, and the operations mainly comprise: 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; 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. The main flow involved in the above operations is shown in fig. 1, and fig. 1 is a schematic view of the main flow of the operation of the prefabricated card relating to the embodiment of the present invention.

As a card base D_{Coin (coin)}The safety vector of (2), 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 authentication 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 IBC (Identity-Based cryptography) authentication center to perform Identity authentication.

For private keys and public keys in the central row generated in IBC and PKI, Secure Element (SE) is required to be stored in a Secure exclusive area of the mobile phone, and the SE area can be implemented by hardware (mobile phone card change) or host analog card technology hce (host card emulation). 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.

When registering a user, the following procedures are mainly performed: 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 the user account sent by the terminal equipment running the application software and then sends a user password to the terminal equipment.

50-dollar digital currency D for online payment of user 1 to user 2_{Coin 50}For example, to illustrate the involvement of D in the transaction process_{Coin 50}Security protocol at transfer time. The user 1 logs in the APP of the mobile phone of the user to complete the identity authentication of the two parties with 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: mobile phone client automatically selects 50-yuan 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 the protocol to obtain M | M, verifying the validity of the message, i.e. using the public key, i.e. theThe mobile phone number 1 verifies m and H (M), and the message is prevented 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 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}And the mobile phone 2 is given, and the successful transaction is prompted 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 matched D in the payment process_{Coin (coin)}Performing a transaction; (3) after the transaction is completed, D for participating in expenditure is automatically selected_{Coin (coin)}Deleting; (4) the digital currency which is not checked in the center row in the wallet can be automatically distinguished from the checked and registered digital currency. And secondly, completing the functions required by the business, such as business functions of online registration application, extraction, payment, cashing, offline payment request and the like, and automatically completing 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 digital strings representing a specific amount signed by a central line.

Two types of libraries: respectively an issuing bank and a banking bank of the D-RMB. The digital currency is expressed as digital currency fund at the central row in the 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 center, i.e., CA certification center (based on PKI system, centralized management of authority and user certificates, such as CFCA) and IBC certification center, i.e., certification center established based on identification-based cryptography. Two tables can be designed in the registration center, one is a digital currency ownership registration table for recording the attribution of digital currency, and the other is a transaction flow meter.

The identity-based cryptosystem IBC in the embodiment of the invention can directly use the identity of the user as a public key, the authentication of the public key is not dependent on a certificate any more, the use and management of the secret key are simplified, and the identity-based cryptosystem IBC has the advantages of no catalogue, convenience in use, easiness in 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 of the IBC center, and the identity is used as a public key, which is described in the following example 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.

In the basic structure of the digital money system according to the embodiment of the present invention, the digital money system mainly includes a central bank digital money system, a commercial bank digital money system (which may be a plurality of commercial bank digital money systems in practice), and an authentication system. 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 a terminal device used by a user of digital currency, and for providing authentication for interaction between the central bank digital currency system and the commercial bank digital currency system.

Fig. 4 is a schematic diagram of one structure of an overall framework when the D-RMB digital money system provides an online service according to an embodiment of the present invention.

In the overall framework shown in fig. 4, 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 commercial D-RMB system and the central D-RMB system can fully utilize advanced cloud technology to carry out decentralized deployment, and meanwhile, the commercial D-RMB system is interconnected and communicated with internal systems thereof.

As can be seen from fig. 4, the commercial bank digital currency system is connected to other networks or systems at a core location, and can be constructed using "cloud computing" technology. 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, deployed here as a Web server cluster, for running users that interact directly with money transfer service operators. 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 servers, other commercial bank 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 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 comprises a visible Bluetooth IC card (hereinafter referred to as a visible IC card), a common IC card, a mobile phone-eSE form (an IC card embedded in a mobile phone), a mobile phone-secure SD card form (a built-in secure SD card), a mobile phone-SIM card form and a mobile phone-cloud SE form. Brief description of the following scenarios in connection with specific scenarios_{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).

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.

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: checking cash, verifying relative legitimacy (e.g. in bank D)_{Coin (coin)}Whether enough payment is paid, etc.), complete the accounting of the own internal system, and the bankWarehouse branch 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}Middle transfer drawing D_{Coin (coin)}To D-RMB chip cards.

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

Scene description: user is from business bank account 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 is proposed 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 accountPassword, user fund account or B_{Account number}Whether the balance is paid adequately, D in bank_{Coin (coin)}Whether sufficient payment is paid, 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 pieces of 100 Yuan RMB and one piece of 50 Yuan RMB respectively represent the possession of the sameThe counter 250 yuan RMB is now paid to the receiving merchant user 2(POS 2)200 yuan RMB and to another receiving merchant user 3(POS 3)30 yuan RMB. Assume that the POS merchant user is a business bank 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 phone.

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: 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}' owner is D-RMB chip card 1, etc.), performs the relevant operations, the registration center: change D_{Coin 100}，D_{Coin 100}The main part of the human body is,changing 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;

and step 5, the commercial bank: sending D_{Coin 100}'、D_{Coin 100}And sending a prompt message of successful transaction to the POS machine 2.

Step 6, the 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 in 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: interpreting transaction rules and related information to verify the validity (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 (such as 50 yuan), value requirement (such as two 20 yuan and one 10 yuan); 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}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 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 a D-RMB chip card 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 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 the data to a POS machine;

step 8, the POS machine 3: receive D_{Coin 20}、D_{Coin 10}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 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, 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}Is sent toA 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: 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 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;

and 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: 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;

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}Two and one 50 respectively representing that it possesses 100 yuan RMBThe RMB, totaling 250 RMB, is on line through a personal terminal card reader or a mobile phone, and online shopping is carried out on line, and the RMB 250 is paid to a payee merchant user.

Using the D-RMB chip card format: all form

Description of the steps:

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 bank account number of a merchant is available, 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 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}、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 with emphasis, and the description will be given for offline payment of the D-RMB chip card, including offline POS, mobile phone without network signal, and offline payment between cards.

The offline payment defined in the D-RMB system refers to near-field payment, in which the receiving party has to confirm the collection online 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 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 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.

Description of the flow: the D-RMB chip card pays off-line at the 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.

Description of the steps:

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

step 2.D-RMB chip card 1: communicating with POS machine via NFC or other wireless interface, automaticSelecting 200 yuan digital currency D_{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}And performing related legality 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 check, 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;

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: and feeding back verification success information to the POS machine 2.

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, wherein the bank: receive D_{Coin 100}，D_{Coin 100}' organizing the relevant information according to the transaction rule and sending the information to a central bank D-RMB system;

step 3, the central bank: interpreting transaction rules and associated informationTo verify the validity of the correlation (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 bound wallet address of the D-RMB chip card 1 into a commercial bank code corresponding to a merchant account; recording the corresponding transaction flow;

and 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, 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 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, 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 reporting commercial bank D-RMB system (terminal device)Meter may be automatically networked for verification);

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}' 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 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}Validity, whether the transaction amount matches the value of the digital currency, etc.), corresponding operations are performed, and based on the validity, the transaction amount is determinedThe transaction rule reorganization message sends 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 the owner is the D-RMB chip card 1, etc.), the relevant operations are executed, and 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: 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}And sending the data 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}Validity, whether the transaction amount is consistent with the digital currency value, etc.), corresponding operation is executed, and the message is reorganized to the center according to the transaction ruleThe line D-RMB system sends a request;

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 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 is 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 100 Yuan RMB two and 50 Yuan RMB, and the total number of the RMB is 250 Yuan RMB, and the bank card can operate D through a commercial bank counter, an ATM, an online bank or a mobile phone bank_{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 the transaction rule and sending a request to a D-RMB system at the 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.), the relevant operations are executed, and 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 process is described below.

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

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 coin has 100 Yuan RMB two and one 50 Yuan RMB, and the total is 250 Yuan RMB, which is generalApply for D from counter of commercial bank and ATM machine_{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}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 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.), the relevant operations are executed, and the registration center: 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 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	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.

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 settable transaction is a micropayment (less than 1000 yuan), which is an acceptable range for individual users, and adverse records are input into a credit investigation system to be punished by adopting a posterior responsibility tracing mechanism.

The method and system for payment of digital currency using a digital currency chip card according to embodiments of the present invention will be described in further detail below.

Application scene overview

The application scenario of the embodiment of the invention for off-line payment by using the digital currency chip card is shown as follows, wherein the application scenario comprises the following steps:

the paying user stores two pieces of digital currency (D-RMB) with face value of 100 yuan in a digital currency chip card (D-RMB chip card) held by the paying user_{Coin (coin)}) One face value of 50D_{Coin (coin)}I.e. the user has two 100 yuan and one 50 yuan, for a total of 250 yuan.

If the payer needs to pay 200 RMB through the POS machine in the shopping process, and the POS machine of the merchant is in an offline state, both parties of the transaction cannot complete the transaction in a network environment, so the merchant selects an offline payment mode on the POS machine.

Exemplary method

In conjunction with the above application scenarios, the method of the exemplary embodiment of the present invention is described with reference to fig. 7. The method comprises the following steps:

step A1: the acceptance terminal equipment receives the transaction amount under the condition that the network connection with the commercial bank digital currency system is not established;

step A2: the user terminal equipment acquires the transaction amount from the acceptance terminal equipment in a close-range wireless connection mode and sends 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;

step A3: after the acceptance terminal device establishes network connection with the commercial bank digital currency system, the acceptance terminal device sends the transaction information to the commercial bank digital currency system;

step A4: after receiving the transaction information, the commercial bank digital currency system sends a request for changing the owner to the central bank digital currency system;

step A5: and after receiving the request for changing the owner, the central bank digital currency system changes the owner of the digital currency into a merchant code corresponding to the acceptance terminal equipment.

The present invention will be described in detail with reference to specific examples, but it should be noted that the specific examples are only for better describing the present invention and should not be construed as limiting the present invention.

Example one

Because both transaction parties are in an environment where networking is temporarily unavailable, in order to facilitate the transaction smoothly, a merchant can select an offline payment mode on an acceptance terminal device (hereinafter referred to as a POS machine) and then input a collection amount of 200 yuan.

Firstly, a mobile terminal (such as a mobile phone) of a payment user establishes a short-distance wireless communication connection with a POS machine of a merchant through NFC, infrared rays or Bluetooth, and selects digital currency (hereinafter referred to as D-RMB chip card) with the transaction amount of 200 yuan in the digital currency chip card (hereinafter referred to as D-RMB chip card) of the payment user_{Coin (coin)}) And sending the transaction information to the POS machine; wherein the transaction information comprises D-RMB chip card information and D_{Coin 100}、D_{Coin 100}' and D_{Coin 50}The near-field wireless connection mode can be selected from near-field wireless communication modes such as NFC, infrared rays or Bluetooth, and the digital currency chip card can be in a visible Bluetooth IC card, a common IC card, a mobile phone embedded IC card, a mobile phone built-in secure SD card, a mobile phone SIM card or a mobile phone cloud SE mode.

The POS machine acquires the transaction information and carries out validity check on the transaction information by calling a payment plug-in of a digital currency system (hereinafter referred to as a D-RMB system). In an embodiment of the invention, the validity check includes: confirming the owner of the digital currency is in line with the D-RMB chip card, and confirming the payment amount and D_{Coin (coin)}The monetary value of the match. After the confirmation is passed, the POS machine prints a receipt, and at the moment, the current transaction of the payment user and the merchant is finished.

After the POS machine can be accessed to the network, namely after the POS machine establishes network connection with the commercial bank D-RMB system, the POS machine sends a request for confirming repeated payment to the commercial bank D-RMB system and sends transaction information to the commercial bank D-RMB system according to preset transaction rules.

After receiving the above information, the businessAnd the bank D-RMB system deciphers the information according to a preset transaction rule and confirms the legality of the information. Specifically, confirming legitimacy includes: d_{Coin 100}、D_{Coin 100}' and D_{Coin 50}Validity of (D)_{Coin (coin)}The owner of the card accords with the D-RMB chip card, the bank account number of the merchant is confirmed to be available, and the like. After the confirmation is passed, the commercial bank D-RMB system sends the related information related to the transaction to the central bank D-RMB system according to the preset safety protocol to change the D of the transaction_{Coin (coin)}Request of owner.

The central bank D-RMB system, upon receiving the payment request, interprets the transaction rules and associated information and validates the validity of the information.

In an embodiment of the present invention, the validating the validity includes: d_{Coin 100}、D_{Coin 100}'、D_{Coin 50}Validity of (D)_{Coin (coin)}Whether the owner of (a) is the D-RMB chip card of the deposit user, etc. After confirmation of the pass, the central bank's D-RMB system registry changes D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}The owner of the payment user changes the wallet address of the D-RMB chip card in the ownership registration information into the commercial bank code of the merchant, and records the transaction flow. In one embodiment of the invention, the wallet address corresponding to the D-RMB chip card comprises a hash value of the card number of the digital currency chip card.

Finally, the commercial bank D-RMB system sends a prompt to the merchant's POS indicating that the transaction was successful and adds a corresponding amount of money to the merchant's account (250 dollars).

Example two

The method for off-line payment by using the digital currency chip card in the embodiment of the invention is that the POS machine of the merchant automatically sends D_{Coin (coin)}And transferring to the merchant collection account.

Specifically, the mobile terminal of the payment user establishes communication connection with the POS machine of the merchant in a near field communication (NFC, infrared ray or Bluetooth) mode, and selects D with the sum of 200 yuan in the account_{Coin 100}、D_{Coin 100}'、D_{Coin 50}Sending the data to the POS machine; POS machineReceiving D_{Coin (coin)}Then, for the received D_{Coin (coin)}And carrying out validity check. In an embodiment of the present invention, the POS machine needs to check D_{Coin (coin)}Whether the amount is equivalent. After the verification is passed, the transaction is finished and a receipt is printed.

After the POS machine can access the network, transaction information is transmitted, D-RMB chip card information and D are received according to preset transaction rules_{Coin (coin)}And the information such as the bank account number of the merchant is sent to the commercial bank D-RMB system.

The D-RMB system of the commercial bank deciphers the transaction rules and related information and validates the information, and then the bank of the D-RMB system of the commercial bank receives D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}And sends this information to the central bank D-RMB system.

The central bank D-RMB system deciphers the transaction rules and related information and confirms the validity of the information. In an embodiment of the present invention, the validating the validity includes: d_{Coin (coin)}The owner is the D-RMB chip card, the transaction amount and D_{Coin (coin)}The monetary value of the match, etc. After confirmation, the registry of the central bank D-RMB system changes D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}The owner of the POS machine changes the wallet address of the D-RMB chip card in the right registration information into a merchant code corresponding to the POS machine, and records the transaction flow. In one embodiment of the invention, the wallet address corresponding to the D-RMB chip card comprises a hash value of the card number of the digital currency chip card.

Finally, the commercial bank D-RMB system adds corresponding amount to the bank account of the merchant, feeds back related information, and the POS machine prints a receipt.

As shown in fig. 8, a structure of a system for off-line payment using a digital currency chip card according to the present invention is further provided, wherein the system 8 includes: a user terminal device B1, a reception terminal device B2, a commercial bank digital money system B3, and a central bank digital money system B4, wherein,

an acceptance terminal B2 configured to receive a transaction amount without establishing a network connection with the commercial bank digital money system B3, and after establishing a connection with the commercial bank digital money system B3, the acceptance terminal B2 transmits transaction information to the commercial bank digital money system B3;

the user terminal device B1 acquires the transaction amount from the acceptance terminal device B2 through a short-distance wireless connection mode, and sends transaction information to the acceptance terminal device B2, wherein the transaction information comprises digital currency chip card information and digital currency equivalent to the transaction amount;

a commercial bank digital currency system B3 for sending an owner change request to the central bank digital currency system B4 upon receipt of the transaction information;

the central bank digital money system B4 is configured to change the owner of the digital money to the merchant code corresponding to the receiving terminal device B2, upon receiving the request for changing the owner.

Optionally, the commercial bank digital currency system B3 is further operable to: confirming the validity of the digital currency, confirming that the owner of the digital currency is the payment user, confirming that the transaction amount is consistent with the currency value of the digital currency, and confirming that the account of the merchant is normally used.

Optionally, the central bank digital currency system B4 is further configured to: confirming that the owner of the digital currency is a digital currency chip card and confirming that the transaction amount is consistent with the currency value of the digital currency.

Alternatively, the receiving terminal device B2 may be a POS register or a mobile card reader.

Optionally, altering the owner of the digital currency to be paid comprises: the wallet address of the digital currency in the ownership registration information is changed into the merchant code corresponding to the acceptance terminal device B2.

Optionally, the commercial bank digital currency system B3 is further operable to: the user terminal B1 and the reception terminal B2 are sent prompt information indicating that the transaction was successful.

The system for off-line payment by using the digital currency chip card is a device corresponding to the method, so the details are not repeated.

According to the method and the system for off-line payment by using the digital currency chip card, due to the digitalization of the currency, the payment process of a consumer can be effectively improved under the condition of ensuring the payment safety without depending on any bank account and a single network.

In terms of convenience, a scheme (hereinafter referred to as a "card-based scheme") in which a card base is used as a terminal carrier is convenient to deploy, and the system is good in user operation convenience and easy 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 choices 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 expressed 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, and payment transactions are completed through the transfer of these encrypted serial numbers. The safety of the currency is protected by a cryptographic algorithm, so that the confidentiality and the 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-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A method for off-line payment using a digital currency chip card, comprising:

the acceptance terminal equipment receives the transaction amount under the condition that the network connection with the commercial bank digital currency system is not established;

after the acceptance terminal equipment establishes network connection with a commercial bank digital currency system, the acceptance terminal equipment sends the transaction information to the commercial bank digital currency system;

after receiving the transaction information, the commercial bank digital currency system sends a request for changing the owner to a central bank digital currency system;

and after receiving the request for changing the owner, the central bank digital currency system changes the owner of the digital currency into a merchant code corresponding to the acceptance terminal equipment.

2. The method of claim 1, wherein the short-range wireless connection comprises: NFC, infrared or bluetooth.

3. The method of claim 1, wherein after the operation of receiving the transaction information by the acceptance terminal, further comprising:

confirming that the owner of the digital currency conforms to the digital currency chip card and confirming that the transaction amount conforms to the currency value of the digital currency.

4. The method of claim 1, wherein prior to the operation of the commercial bank digital currency system sending a request to change owner to a central bank digital currency system, further comprising:

confirming the legality of the digital currency, confirming that the owner of the digital currency is the digital currency chip card, confirming that the transaction amount is consistent with the currency value of the digital currency, and confirming that the account of the merchant is normally used.

5. The method according to claim 1, wherein before the operation of the central bank digital currency system changing the owner of the digital currency to the merchant code corresponding to the acceptance terminal device, the method further comprises:

confirming that the owner of the digital currency is the digital currency chip card and confirming that the transaction amount corresponds to the currency value of the digital currency.

6. Method according to claim 1, characterized in that the digital currency 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 method of claim 1, wherein the accepting terminal device is a POS register or a cell phone card reader.

8. The method of claim 1, wherein the altering the owner of the digital currency to be paid comprises:

and changing the wallet address of the digital currency in the ownership registration information into a merchant code corresponding to the acceptance terminal equipment.

9. The method according to claim 1, further comprising, after the operation of changing the owner of the digital money to a merchant code corresponding to the acceptance terminal device:

and the commercial bank digital currency system sends prompt information for indicating the success of the transaction to the user terminal equipment and the acceptance terminal equipment.

10. A system for off-line payments using digital currency chip cards, comprising: user terminal equipment, acceptance terminal equipment, a commercial bank digital currency system and a central bank digital currency system, wherein,

the acceptance terminal device is used for receiving 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 commercial bank digital currency system is 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 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.

11. The system of claim 10, wherein the close-range wireless connection comprises: NFC, infrared or bluetooth.

12. The system of claim 10, wherein the acceptor terminal is further configured to:

13. The system of claim 10, wherein the commercial bank digital currency system is further configured to:

confirming the validity of the digital currency, confirming that the owner of the digital currency is a payment user, confirming that the transaction amount corresponds to the currency value of the digital currency, and confirming that the account of the merchant is normally used.

14. The system of claim 10, wherein the central bank digital currency system is further configured to:

15. System according to claim 10, characterized in that the digital currency 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.

16. The system of claim 10, wherein the accepting terminal device is a POS register or a cell phone card reader.

17. The system of claim 10, wherein the altering the owner of the digital currency to be paid comprises:

18. The system of claim 10, wherein the commercial bank digital currency system is further configured to:

and sending prompt information for indicating the success of the transaction to the user terminal equipment and the acceptance terminal equipment.