CN107330691A - The method and system that a kind of digital cash wallet is paid - Google Patents
The method and system that a kind of digital cash wallet is paid Download PDFInfo
- Publication number
- CN107330691A CN107330691A CN201710493211.7A CN201710493211A CN107330691A CN 107330691 A CN107330691 A CN 107330691A CN 201710493211 A CN201710493211 A CN 201710493211A CN 107330691 A CN107330691 A CN 107330691A
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- Prior art keywords
- digital cash
- digital
- wallet
- payment
- row
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- 238000000034 method Methods 0.000 title claims abstract description 36
- 238000012546 transfer Methods 0.000 claims abstract description 63
- 239000003999 initiator Substances 0.000 claims description 32
- 238000012360 testing method Methods 0.000 claims 3
- 230000008569 process Effects 0.000 description 9
- 238000010586 diagram Methods 0.000 description 8
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 description 2
- 229910002056 binary alloy Inorganic materials 0.000 description 2
- 230000003139 buffering effect Effects 0.000 description 2
- 238000013461 design Methods 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 229910052709 silver Inorganic materials 0.000 description 2
- 239000004332 silver Substances 0.000 description 2
- 230000008901 benefit Effects 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 229910052737 gold Inorganic materials 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
- 230000014759 maintenance of location Effects 0.000 description 1
- 230000007246 mechanism Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The present invention provides the method and system that a kind of digital cash wallet is paid, including receives the payment request of digital cash wallet；The CA certificate digital signature of the digital cash wallet to paying request of user's input is obtained, to generate digital cash transfer request；The digital cash transfer request is sent to digital cash and sends out paper money row；Receive the payment successful result with hair paper money row digital signature.Therefore, the method and system that digital cash wallet of the present invention is paid can realize the payment of digital cash wallet.
Description
Technical field
The present invention relates to field of computer technology, more particularly to the method and system that a kind of digital cash wallet is paid.
Background technology
At present, China is very universal based on the payment that electronic account is realized, but this mode is substantially also
A kind of Process of Information of existing legal tender, can't be referred to as proper digital cash.Digital cash is as legal
Currency must be issued by Central Bank, itself be exactly currency and the not exclusively means of payment, and cryptographic technique is current numeral
The support of currency, digital cash is required to build based on Cryptography Principles from circulation is issued to, and using cipher protocol come real
All kinds of demands for security in existing application process.
Although pure digi-tal money-system can not be associated with bank account, because the note issuance of China follows central silver
Row arrives the binary system of business bank, and current social economic activity is based primarily upon business bank's system of account development, such as may be used
, will significantly by bank account system, to make full use of the existing ripe IT infrastructure of bank and application and service system
Reduce digital cash and promote threshold, improve property easy to use and flexibility, contribute to most vast customer group to use digital goods
Coin.
Digital cash system is individually set up to the impact that brings of existing banking system for buffering, also for protecting to greatest extent
The existing system investments of business bank are protected, in business bank's traditional account system, digital cash wallet attribute is introduced, realizes one
Both existing electronic money can be managed under individual account, digital cash can also be managed.Wherein, digital cash wallet is to be used to deposit
The digital cash of enterprises and individuals.
In process of the present invention is realized, inventor has found that at least there are the following problems in the prior art：There is presently no reality
Now how on the basis of existing bank account system, the payment process of digital cash wallet is carried out.
The content of the invention
In view of this, the present invention provides the method and system that a kind of digital cash wallet is paid, and can realize digital cash
The payment of wallet.
To achieve the above object, according to an aspect of the invention, there is provided a kind of method that digital cash wallet is paid.
The method that digital cash wallet of the present invention is paid includes：Receive the payment request of digital cash wallet；Obtain user
The CA certificate digital signature of the digital cash wallet to paying request of input, to generate digital cash transfer request；Will be described
Digital cash transfer request sends to digital cash and sends out paper money row；Receive the payment successful result with hair paper money row digital signature.
Alternatively, before the generation digital cash transfer request, including：Verify the numeral of digital cash wallet CA certificate
Signature.
Alternatively, before the generation digital cash transfer request, including：Verify the numeral of digital cash wallet CA certificate
Authorized after signature and access the digital cash wallet.
Alternatively, before the generation digital cash transfer request, in addition to：Determine that the digital cash wallet is paid to ask
The digital cash total amount that the payment asked is less than or equal in the digital cash wallet.
Alternatively, after the payment successful result of the reception with hair paper money row digital signature, including：Paid into described
The digital cash whereabouts coin record generated by remaining sum after payment that initiator receives after payment in work(result is in initiator's numeral
In currency wallet.
Other side according to embodiments of the present invention, additionally provides the system that a kind of digital cash wallet is paid, including：
Account row user accesses system, and the payment for receiving digital cash wallet is asked, and obtains asking paying for user's input
Digital cash wallet CA certificate；Account row digital coin systems, then will be described for generating digital cash transfer request
Digital cash transfer request sends to digital cash and sends out paper money row；Meanwhile, it is additionally operable to receive the payment with hair paper money row digital signature
Successful result.
Alternatively, in addition to account row wallet access authentication system, the numeral for verifying digital cash wallet CA certificate
Signature.
Alternatively, in addition to account row application system, awarded after the digital signature for verifying digital cash wallet CA certificate
Power accesses the digital cash wallet.
Alternatively, the account row digital coin systems, are additionally operable to：Determine that the digital cash wallet is paid in request
The digital cash total amount that payment is less than or equal in the digital cash wallet.
Alternatively, the account row digital coin systems, are additionally operable to：It will be initiated after payment in the payment successful result
The digital cash whereabouts coin generated by remaining sum after payment that side is received is recorded in initiator's digital cash wallet.
Other side according to embodiments of the present invention, additionally provides a kind of computer-readable recording medium, the calculating
Be stored with computer instruction in machine readable storage medium storing program for executing, and the computer instruction can be run by computer or computer system,
So that the computer or computer system can realize the method described in any of the above-described embodiment.
Technique according to the invention scheme, the digital cash wallet payment process of realization be user by with digital goods
Coin wallet CA certificate just directly certification access digital cash wallet can be operated.Therefore, above-mentioned implementation of the present invention
In the case that example can ensure safety, the payment function of digital cash wallet is quickly and conveniently realized.
The further effect that above-mentioned non-usual optional mode has adds hereinafter in conjunction with embodiment
With explanation.
Brief description of the drawings
Accompanying drawing is used to more fully understand the present invention, does not constitute inappropriate limitation of the present invention.Wherein：
Fig. 1 is the schematic diagram for the digital cash supported according to business bank's system of account in embodiment of the present invention；
Fig. 2 is the schematic diagram according to the different transaction channels of different type currency in embodiment of the present invention；
Fig. 3 is the main flow schematic diagram of the method paid according to a kind of digital cash wallet of embodiment of the present invention；
Fig. 4 is the relation schematic diagram according to bank account in embodiment of the present invention and digital cash wallet；
Fig. 5 is to refer to bank account and the relation schematic diagram of digital cash wallet in embodiment according to the present invention；
Fig. 6 is the main flow signal that the method that digital cash wallet is paid in embodiment is referred to according to the present invention
Figure；
Fig. 7 is the primary structure schematic diagram of the system paid according to digital cash wallet in embodiment of the present invention；
Fig. 8 is shown according to one primary structure for referring to the system that digital cash wallet is paid in embodiment of the present invention
It is intended to；
Fig. 9 is the primary structure that another refers to the system that digital cash wallet is paid in embodiment according to the present invention
Schematic diagram.
Embodiment
The one exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including the various of the embodiment of the present invention
Details should think them only exemplary to help understanding.Therefore, those of ordinary skill in the art should recognize
Arrive, various changes and modifications can be made to the embodiments described herein, without departing from scope and spirit of the present invention.Together
Sample, for clarity and conciseness, eliminates the description to known function and structure in following description.
The present invention individually sets up the impact that digital cash system is brought to existing banking system for buffering, also for maximum limit
The existing system investments of degree ground protection business bank, in business bank's traditional account system, introduce digital cash wallet attribute
(as shown in fig. 1) existing electronic money can both be managed under an account by, realizing, can also manage digital cash.Electronics goods
Coin is with there is its general character in digital cash management, such as account is used, authentication, but there is also difference.Digital cash management should
Meet the relevant wallet design standard of Central Bank, the concept of similar safe deposit box, bank will take care of according to the agreement rights management with client
Case (must such as have two keys of client and bank to open etc. agreement), retention figures currency is used as the institute of encryption currency
There is attribute.
Advantage of this is that having continued to use the way of note issuance binary system, digital cash is the debt for sending out paper money row,
Outside the balance sheet of account row.Because account row is still also in substantive managing customer and account, commercial silver will not be caused
Row is by channelizing or marginalisation.Circle different from the past is deposited cash gold, and digital cash not exclusively relies on bank account, can passed through
Hair paper money row is directly really weighed, and point-to-point cash transaction is realized using the digital cash wallet of client.Wherein, hair paper money row can be
The Fa Chao mechanisms (such as Hongkong dollar issuing mode) that Central Bank or Central Bank authorize.Which kind of specifically chosen issuing way obtains basis
Actual conditions are determined.
In the environment of the centralized and unified distribution digital cash of the Central Bank, the digital cash in bank of business bank storehouse belongs to
The assets of business bank, the debt of the Central Bank；Digital cash in business bank's customer account then belongs to the assets of client, in
Entreat the debt of bank.Point-to-point transaction digital cash between client, by Central Bank's digital cash publishing system be traded confirmation with
Manage (as shown in Figure 2), Central Bank undertakes transaction responsibility；Transaction e currency, then it is consistent with existing procedure, pass through Central Bank's inter-bank branch
The system of paying, business bank's core business system are completed.
Fig. 3 is the main flow schematic diagram of the method paid according to a kind of digital cash wallet of embodiment of the present invention,
As shown in figure 3, applied to account row, the method that the digital cash wallet is paid includes：
Step S101, receives the payment request of digital cash wallet.Wherein, described digital cash wallet is paid in request
Including：User mark, initiator's digital cash wallet mark, payment, recipient's digital cash wallet mark and user
Digital signature.
What deserves to be explained is, described user can be that personal user can also be enterprise customer.
Step S102, obtains the CA certificate digital signature of the digital cash wallet to paying request of user's input, with life
Into digital cash transfer request.
In embodiment, bank account can bind digital cash wallet (as shown in Figure 4).This binding is by bank
Digital cash wallet ID (as shown in figure 5, digital cash wallet is referred to as " wallet ") is deposited in account, while in digital cash money
Also the bank account ID of association is saved in bag.After bank account binding wallet, it can be accessed by the CA certificate of bank account
Digital cash wallet, but bank account cannot be accessed by digital cash wallet CA certificate, the exchange of digital cash wallet is
Carried out by the bank account of binding.
Wherein, the account row digital cash wallet that user opens is opened based on existing bank account.Digital cash money
Bag is with being strong real-name authentication bank account.The digital cash wallet opened by bank account authentication mode, bank account
Bound with digital cash wallet, the bank account can identify the ID of the digital cash wallet and then correspondingly.
In one preferably embodiment, it can verify whether the digital signature of digital cash wallet CA certificate is correct, if
The correct then mandate access digital cash wallet, otherwise directly exits the flow.
Further, when authorizing the access digital cash wallet, it can be determined that the digital cash wallet is paid
Whether the payment in request is less than or equal to the digital cash total amount in the digital cash wallet, if being less than or equal to
Digital cash transfer request can be then generated, is not performed if more than if.
In another preferably embodiment, according to the payment of digital cash wallet request and the digital cash money
Bag CA certificate digital signature, generates digital cash transfer request.Wherein, described digital cash transfer request is used including initiator
Family information, initiator's digital cash wallet mark, recipient's number currency wallet mark, transfer digital cash word string collection,
Shift the digital cash wallet CA certificate digital signature of the digital cash amount of money and the digital signature of account row and user's input.And
Initiator's user profile, initiator's digital cash wallet mark, recipient's digital cash wallet mark, the transfer digital cash amount of money
The digital cash wallet CA certificate digital signature inputted with user can be extracted from the payment request of digital cash wallet.Separately
Outside, transfer digital cash word string collection can be accessed the digital cash wallet by certification and be obtained.
Need to pay it should be noted that the described transfer digital cash amount of money is exactly initiator's number currency wallet
The amount of money to recipient's number currency wallet.And described transfer digital cash word string collection is then initiator's number goods
All digital cash in coin wallet, the storage of digital cash is in one group of word string collection form.There is word in digital cash word string
Segment structure, is recorded and carried by field structure the application attribute information of digital cash, utilize the application attribute of digital cash
Information can realize the function such as the control to digital money-capital stream and concrete application execution so that digital cash disclosure satisfy that should
The need for scene and value-added service.Preferably, the field structure in digital cash word string is configurable to：Each field can
Classification, and length is variable, and field quantity can also be extended according to demand.
Step S103, the digital cash transfer request is sent to digital cash and sends out paper money row.
In embodiment, described hair paper money row is generally Central Bank.Send out paper money row to receive after digital cash transfer request, will initiate
The source coin word string that the transfer digital cash word string of side is concentrated is registered as cancel status in systems, that is, is designated and has spent,
Then whereabouts coin word string is generated.It is, paying successful result includes：Shift the digital cash amount of money that digital cash word string is concentrated
Subtract the digital cash whereabouts coin word string that remaining sum is generated after the transfer digital cash amount of money.
Additionally it is possible to determine the account row digital signature in the digital cash transfer request (is prestored in hair paper money row
There is the digital certificate of account row, the account that can be by the account row digital signature in digital cash transfer request by prestoring
The result of family row digital certificate authentication is compared, to determine the account row digital signature in the digital cash transfer request just
Really) and user's input digital cash wallet CA certificate digital signature it is correct, then just can be shifted according to the digital cash
Recipient's digital cash wallet mark in request, the described transfer digital cash amount of money is sent to recipient's digital cash wallet
Word string (recipient's digital cash wallet just can be recorded the transfer digital cash amount of money), and returned to initiator
Pay successful result.As can be seen that digital cash payment processes are performed by hair paper money row, and account row need to only receive payment result
And store digital cash.
Further, hair paper money row can also first determine hair before payment is performed according to the digital cash transfer request
Play square user profile consistent with initiator's digital cash wallet mark.Furthermore it is also possible to determine recipient's digital cash wallet
Validity.For example：The state of normal work whether is in recipient's digital cash wallet.It should be noted that working as initiator
When user profile and inconsistent or recipient's digital cash wallet invalid initiator's digital cash wallet mark, hair paper money row is just
The information for paying failure can be returned.
Preferably, the digital cash amount of money that the transfer digital cash word string in digital money transfer request can also be concentrated
Whether be more than or equal to transfer the digital cash amount of money judged, when judged result for more than or equal to when then send out paper money row can root
Perform payment according to the digital cash transfer request, when judged result be less than when then send out paper money row can return pay failure knot
Really.
Step S104, receives the payment successful result with hair paper money row digital signature.
In embodiment, receive after payment successful result, initiator after the payment in the payment successful result is received
To by pay after remaining sum generate digital cash whereabouts coin record in initiator's digital cash wallet.It is possible to further
The payment successful result is returned to user.
What deserves to be explained is, promoter account row and recipient's account row in an embodiment of the present invention can be same
Individual account row or different account rows.
From above embodiment, it can be seen that the digital cash wallet payment process that the present invention is realized is that user passes through tool
Some digital cash wallet CA certificates just directly certification access digital cash wallet can be operated.Therefore, it is of the present invention
Above-described embodiment can ensure safety in the case of, quickly and conveniently realize the payment function of digital cash wallet.
Fig. 6 is the main flow signal that the method that digital cash wallet is paid in embodiment is referred to according to the present invention
Figure, applied to account row, the method that the digital cash wallet is paid can include：
Step S201, receives the payment request of digital cash wallet.Wherein, described digital cash wallet is paid in request
Including：User mark, initiator's digital cash wallet mark, payment, recipient's digital cash wallet mark and user
Digital signature.
Step S202, obtains the CA certificate digital signature of the digital cash wallet to paying request of user's input.
Step S203, judges whether the digital signature of digital cash wallet CA certificate is correct, and step is carried out if correct
S204, otherwise exits the flow.
Step S204, authorizes and accesses the digital cash wallet.
Step S205, judges that the digital cash wallet pays whether the payment in request is less than or equal to the number
Digital cash total amount in word currency wallet, if then carrying out step S206, otherwise exits the flow.
Step S206, obtains the CA certificate digital signature for the bank account that digital cash wallet is bound in advance.
Step S207, generates digital cash transfer request.
Wherein, described digital cash transfer request include initiator's user profile, initiator's digital cash wallet mark,
Recipient's number currency wallet mark, transfer digital cash word string collection, the number for shifting the digital cash amount of money and account row
The digital cash wallet CA certificate digital signature that word is signed and user inputs.
Step S208, the digital cash transfer request is sent to digital cash and sends out paper money row.
In embodiment, described hair paper money row is generally Central Bank.Send out paper money row to receive after digital cash transfer request, will initiate
The source coin word string that the transfer digital cash word string of side is concentrated is registered as cancel status in systems, that is, is designated and has spent,
Then whereabouts coin word string is generated.It is, paying successful result includes：Shift the digital cash amount of money that digital cash word string is concentrated
Subtract the digital cash whereabouts coin word string that remaining sum is generated after the transfer digital cash amount of money.
Additionally it is possible to determine the account row digital signature in the digital cash transfer request (is prestored in hair paper money row
There is the digital certificate of account row, the account that can be by the account row digital signature in digital cash transfer request by prestoring
The result of family row digital certificate authentication is compared, to determine the account row digital signature in the digital cash transfer request just
Really) and user's input digital cash wallet CA certificate digital signature it is correct, then just can be shifted according to the digital cash
Recipient's digital cash wallet mark in request, the described transfer digital cash amount of money is sent to recipient's digital cash wallet
Word string (recipient's digital cash wallet just can be recorded the transfer digital cash amount of money), and returned to initiator
Pay successful result.As can be seen that digital cash payment processes are performed by hair paper money row, and account row need to only receive payment result
And store digital cash.
Further, hair paper money row can also first determine hair before payment is performed according to the digital cash transfer request
Play square user profile consistent with initiator's digital cash wallet mark.Furthermore it is also possible to determine recipient's digital cash wallet
Validity.For example：The state of normal work whether is in recipient's digital cash wallet.It should be noted that working as initiator
When user profile and inconsistent or recipient's digital cash wallet invalid initiator's digital cash wallet mark, hair paper money row is just
The information for paying failure can be returned.
Preferably, the digital cash amount of money that the transfer digital cash word string in digital money transfer request can also be concentrated
Whether be more than or equal to transfer the digital cash amount of money judged, when judged result for more than or equal to when then send out paper money row can root
Perform payment according to the digital cash transfer request, when judged result be less than when then send out paper money row can return pay failure knot
Really.
Step S209, receives the payment successful result with hair paper money row digital signature.
Wherein, receive payment successful result after, by it is described payment successful result in payment after initiator receive by
The digital cash whereabouts coin that remaining sum is generated after payment is recorded in initiator's digital cash wallet.
Step S210, returns to user and pays successful result.
It should be noted that referring to the specific reality of the method for the payment of digital cash wallet described in embodiment in the present invention
Apply and be described in detail in content, the method that digital cash wallet described above is paid, therefore do not said again in this duplicate contents
It is bright.
In the another aspect of the embodiment of the present invention, the system that a kind of digital cash wallet is paid is given, refering to Fig. 7 institutes
Show, the system 300 that the digital cash wallet is paid includes account row user and accesses system 301 and account row digital coin systems
302.Wherein, account row user accesses system 301 and receives the payment request of digital cash wallet, and obtains pair of user's input
Pay the CA certificate digital signature of the digital cash wallet of request.And account row digital coin systems 302 then generate digital cash
Transfer request, then the digital cash transfer request is sent to digital cash send out paper money row；Meanwhile, it is additionally operable to receive with hair
The payment successful result of paper money row digital signature.
Further, the generation of account row digital coin systems 302 digital cash transfer request.Wherein, described digital goods
Coin transfer request includes initiator's user profile, initiator's digital cash wallet mark, recipient's number currency wallet mark
Know, shift the digital goods of digital cash word string collection, the transfer digital cash amount of money and the digital signature of account row and user's input
Coin wallet CA certificate digital signature.
Further, it is necessary to judge described before the generation of account row digital coin systems 302 digital cash transfer request
The digital cash whether payment in the payment request of digital cash wallet is less than or equal in the digital cash wallet is total
The amount of money, if that can generate digital cash transfer request less than or equal to if, is not performed if more than if.
In another further embodiment, account row digital coin systems 302 receive payment successful result after, it is necessary to
The digital cash whereabouts coin generated by remaining sum after payment that initiator after payment in the payment successful result is received is recorded
In initiator's digital cash wallet.
As a preferably embodiment, the system that the digital cash wallet is paid also includes account row wallet and accessed to recognize
Card system 303 (as shown in Figure 8) can verify the digital signature of digital cash wallet CA certificate.Further, as shown in figure 9,
The system that the digital cash wallet is paid also includes account row application system 304, when account row wallet access authentication system 303
After the digital signature for verifying digital cash wallet CA certificate, account row application system 304, which is authorized, accesses the digital cash wallet.
Visited in addition, account row digital coin systems 302 can pass sequentially through account row application system 304, account row user
Ask that system 301 returns to the payment successful result to user.
It should be noted that the specific implementation content of the system paid in digital cash wallet of the present invention, above
It has been described in detail, therefore has no longer illustrated in this duplicate contents in the method that the digital cash wallet is paid.
According to the technical scheme of embodiment of the present invention, it can be seen that the digital cash wallet payment process that the present invention is realized
User by with digital cash wallet CA certificate just directly certification can access digital cash wallet and be operated.Cause
This, in the case that above-described embodiment of the present invention can ensure safety, quickly and conveniently realizes the branch of digital cash wallet
Pay function.
Above-mentioned embodiment, does not constitute limiting the scope of the invention.Those skilled in the art should be bright
It is white, depending on design requirement and other factors, can occur various modifications, combination, sub-portfolio and replacement.It is any
Modifications, equivalent substitutions and improvements made within the spirit and principles in the present invention etc., should be included in the scope of the present invention
Within.
Claims (11)
1. the method that word currency wallet is paid, it is characterised in that including：
Receive the payment request of digital cash wallet；
The CA certificate digital signature of the digital cash wallet to paying request of user's input is obtained, to generate digital cash transfer
Request；
The digital cash transfer request is sent to digital cash and sends out paper money row；
Receive the payment successful result with hair paper money row digital signature.
2. according to the method described in claim 1, it is characterised in that before the generation digital cash transfer request, including：Test
Demonstrate,prove the digital signature of digital cash wallet CA certificate.
3. method according to claim 2, it is characterised in that before the generation digital cash transfer request, including：Test
Demonstrate,prove to authorize after the digital signature of digital cash wallet CA certificate and access the digital cash wallet.
4. the method according to claim any one of 1-3, it is characterised in that the generation digital cash transfer request it
Before, in addition to：
Determine that the digital cash wallet pays the number that the payment in request is less than or equal in the digital cash wallet
Word total monetary amount.
5. according to the method described in claim 1, it is characterised in that described to receive the payment success with hair paper money row digital signature
As a result after, including：
The digital cash whereabouts coin generated by remaining sum after payment that initiator after payment in the payment successful result is received
Record is in initiator's digital cash wallet.
6. the system that a kind of digital cash wallet is paid, it is characterised in that including：
Account row user access system, for receive digital cash wallet payment ask, and obtain user input to pay
The CA certificate of the digital cash wallet of request；
Account row digital coin systems, for generating digital cash transfer request, then send out the digital cash transfer request
Deliver to digital cash hair paper money row；Meanwhile, it is additionally operable to receive the payment successful result with hair paper money row digital signature.
7. system according to claim 6, it is characterised in that also including account row wallet access authentication system, for testing
Demonstrate,prove the digital signature of digital cash wallet CA certificate.
8. system according to claim 7, it is characterised in that also including account row application system, for verifying digital goods
Authorized after the digital signature of coin wallet CA certificate and access the digital cash wallet.
9. the system according to claim any one of 6-8, it is characterised in that the account row digital coin systems, is also used
In：Determine that the digital cash wallet pays the numeral that the payment in request is less than or equal in the digital cash wallet
Total monetary amount.
10. system according to claim 6, it is characterised in that the account row digital coin systems, is additionally operable to：By institute
State pay successful result in payment after initiator receive by after payment remaining sum generate digital cash whereabouts coin record hair
Rise in square digital cash wallet.
11. be stored with computer instruction, its feature in a kind of computer-readable recording medium, the computer-readable recording medium
It is, the computer instruction can be run by computer or computer system, so that the computer or computer system energy
Enough perform claims require the method any one of 1-5.
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| CN108022104A (en) * | 2017-12-28 | 2018-05-11 | 中国人民银行数字货币研究所 | A kind of login method, terminal and the system of digital cash wallet |
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| CN112712361A (en) * | 2019-11-25 | 2021-04-27 | 深圳市文鼎创数据科技有限公司 | Transaction method and device based on digital currency and terminal equipment |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108022104A (en) * | 2017-12-28 | 2018-05-11 | 中国人民银行数字货币研究所 | A kind of login method, terminal and the system of digital cash wallet |
| CN108133369A (en) * | 2017-12-28 | 2018-06-08 | 中国人民银行数字货币研究所 | A kind of digital cash exchanging method and system |
| CN108335103A (en) * | 2017-12-28 | 2018-07-27 | 中国人民银行数字货币研究所 | A kind of deducting money method and system based on digital cash |
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| CN108133369B (en) * | 2017-12-28 | 2021-04-30 | 中国人民银行数字货币研究所 | Digital currency exchange method and system |
| CN108335103B (en) * | 2017-12-28 | 2021-06-11 | 中国人民银行数字货币研究所 | Deduction method and system based on digital currency |
| CN112106089A (en) * | 2018-08-22 | 2020-12-18 | 北京嘀嘀无限科技发展有限公司 | Digital wallet |
| CN112712361A (en) * | 2019-11-25 | 2021-04-27 | 深圳市文鼎创数据科技有限公司 | Transaction method and device based on digital currency and terminal equipment |
| CN113506103A (en) * | 2021-06-25 | 2021-10-15 | 华录智达科技股份有限公司 | Public transport fee intelligent payment method based on digital currency |
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