CN107330784A - A kind of method and system for exchanging digital cash - Google Patents
A kind of method and system for exchanging digital cash Download PDFInfo
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- CN107330784A CN107330784A CN201710495065.1A CN201710495065A CN107330784A CN 107330784 A CN107330784 A CN 107330784A CN 201710495065 A CN201710495065 A CN 201710495065A CN 107330784 A CN107330784 A CN 107330784A
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- 238000000034 method Methods 0.000 title claims abstract description 33
- 238000012546 transfer Methods 0.000 claims abstract description 118
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- 229910052709 silver Inorganic materials 0.000 description 5
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- G—PHYSICS
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- 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
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Abstract
The invention discloses a kind of method and system for exchanging digital cash, it is related to digital cash technical field.One embodiment of this method includes：The identity of user is authenticated according to the authentication application of user；If authentication passes through, receive and exchange digital cash solicited message；The amount of money is reduced from specified bank account according to exchange digital cash solicited message, and generates feedback information of withholing；According to feedback information and the exchange digital cash solicited message generation digital cash transfer request of withholing, and send digital cash transfer request to hair paper money row digital coin systems, so that hair paper money row digital coin systems carry out the transfer of digital cash and generate transfer feedback information；Receive and recorded digital cash in the digital cash wallet of user according to transfer feedback information.Digital cash technical scheme is exchanged by the application of account row digital coin systems this embodiment offers the public, and then reaches that public individual can carry out exchanging the technique effect of digital cash immediately.
Description
Technical field
The present invention relates to digital cash technical field, more particularly to a kind of method and system for exchanging digital cash.
Background technology
Digital cash is by a series of legal tender of string representations, at present it is generally acknowledged that digital cash is by central silver
Row distribution or the Central Bank authorize distribution, to represent the encrypted numeric string of the specific amount of money as the legal tender of the form of expression, bag
Include the amount of money, publisher's mark and the owner's mark of digital cash.Digital cash build in computer technology ripe now and
On the platform of Internet technology, issued now by the Central Bank as digital cash core system and the field that circulates.
During digital cash circulates, the problem of digital cash is exchanged can be related to, how digital cash is safely and effectively realized
Exchange, be urgent problem to be solved.Moreover, hair paper money row digital coin systems not region be directly facing user, therefore at this stage, the public
Individual can not carry out the exchange of instant digital cash.
The content of the invention
In view of this, the embodiment of the present invention provides a kind of method and system for exchanging digital cash, safety and can have
The exchange of effect goes out digital cash, and then causes public individual to carry out the exchange of instant digital cash, is easy to digital cash
Circulation.
To achieve the above object, there is provided a kind of side for exchanging digital cash for one side according to embodiments of the present invention
Method.
This method includes：The identity of the user is authenticated according to the authentication application of user；If authentication
Pass through, receive and exchange digital cash solicited message；The exchange digital cash solicited message includes redemption amount, user's exchange and referred to
Fixed digital cash wallet and the bank account specified；According to the digital cash solicited message of exchanging from the bank specified
Account reduces the amount of money, and generates feedback information of withholing；According to feedback information and the exchange digital cash request letter of withholing
Breath generation digital cash transfer request, and the digital cash transfer request is sent to hair paper money row digital coin systems, for
The hair paper money row digital coin systems carry out the transfer of digital cash and generate transfer feedback information；Receive the hair paper money line number word
The transfer feedback information of money-system, and digital cash is recorded what is specified in user's exchange according to the transfer feedback information
In digital cash wallet.
Alternatively, this method also includes：According to the digital cash solicited message of exchanging from the bank account specified
Reduce before the amount of money, safety examination is carried out to the exchange digital cash solicited message.
Alternatively, this method also includes：According to the digital cash solicited message of exchanging from the bank account specified
Reduce before the amount of money, confirm that the bank account that user authentication is accessed is consistent with the bank account specified；And confirm
It is consistent that the digital cash wallet of bank account binding exchanges the digital cash wallet specified mark with user；And, confirm account
The digital cash amount of money in line number word currency bank storehouse is not less than redemption amount.
Alternatively, it is described withhold feedback information include specify bank account information, withhold before remaining sum, deducted amount and
Remaining sum after withholing.
Alternatively, this method also includes：By the digital cash transfer request send to hair paper money row digital coin systems it
Before, security setting is carried out to the digital cash transfer request；Receive the transfer feedback information of hair paper money row digital coin systems
Afterwards, safety examination is carried out to the transfer feedback information.
Alternatively, security setting is carried out to the digital cash transfer request includes：Please to digital cash transfer
Ask the digital signature of addition account row and the digital signature in account line number word currency bank storehouse.
Alternatively, this method also includes：Digital cash is recorded to exchange in user according to the transfer feedback information and specified
Digital cash wallet in after, to the user send exchange feedback information, the exchange feedback information include withhold information,
The mark of digital cash and the amount of money of digital cash.
There is provided a kind of system for exchanging digital cash for other side according to embodiments of the present invention.
The system includes：Account row bank account access authentication system, for according to the authentication application of user to institute
The identity for stating user is authenticated；
Account row application system, for authentication by rear, receives and comes from the exchange that account row user accesses system
Digital cash solicited message；It is described to exchange the digital cash that digital cash solicited message includes redemption amount, user's exchange is specified
Wallet and the bank account specified；
Account row account core system, for according to the exchange digital cash solicited message from the bank's account specified
The amount of money is reduced at family, and generates feedback information of withholing；
Account row digital coin systems, for feedback information and the solicited message generation of exchange digital cash of being withholdd according to
Digital cash transfer request, and the digital cash transfer request is sent to hair paper money row digital coin systems, for the hair
Paper money row digital coin systems carry out the transfer of digital cash and generate transfer feedback information；The account row digital coin systems are also
Transfer feedback information for receiving the hair paper money row digital coin systems, and according to the feedback information that shifts by digital goods
Coin record is in user exchanges the digital cash wallet specified.
Alternatively, the account row application system is additionally operable to exchange digital goods according to described in account row account core system
Coin solicited message is reduced from the bank account specified before the amount of money, and the exchange digital cash solicited message is carried out
Safety examination.
Alternatively, the account row application system is additionally operable to exchange digital goods according to described in account row account core system
Coin solicited message is reduced from the bank account specified before the amount of money, confirms bank account and the institute of user authentication access
State the bank account specified consistent；And the digital cash wallet of Confirm Bank's account binding exchanges the digital goods specified with user
Coin wallet mark is consistent；And, confirm that the digital cash amount of money in account line number word currency bank storehouse is not less than redemption amount.
Alternatively, it is described withhold feedback information include withhold bank account information, withhold before remaining sum, deducted amount or button
Remaining sum after money.
Alternatively, the account row digital coin systems are additionally operable to send to hair paper money by the digital cash transfer request
Before row digital coin systems, security setting is carried out to the digital cash transfer request；And receiving the hair paper money row
After the transfer feedback information of digital coin systems, safety examination is carried out to the transfer feedback information.
Alternatively, the account row digital coin systems carry out security to the digital cash transfer request and set bag
Include：The digital signature of account row and the numeral label in account line number word currency bank storehouse are added to the digital cash transfer request
Name.
Alternatively, the account row digital coin systems are additionally operable to remember digital cash according to the transfer feedback information
Record after user is exchanged in the digital cash wallet specified, sent to the user and exchange feedback information, the exchange feedback
Information includes the amount of money of withhold information, the mark of digital cash and digital cash.
There is provided a kind of computer-readable recording medium, the computer for another aspect according to embodiments of the present invention
Be stored with computer instruction in readable storage medium storing program for executing, it is characterised in that the computer instruction can be by computer or computer
System operation, so that the computer or computer system are able to carry out the side of any one of the method for above-mentioned exchange digital cash
Method.
One embodiment in foregoing invention has the following advantages that or beneficial effect：In authentication by rear, by right
The processing of digital cash solicited message is exchanged, then digital cash transfer request is sent to hair paper money row digital coin systems, completes
The exchange of digital cash.Because exchanging digital cash solicited message to the digital goods of hair paper money row digital coin systems transmission according to user
Coin transfer request so that digital cash is directly transferred to technology in the digital cash wallet of user by hair paper money row digital coin systems
Means, so digital cash technical problem can not be exchanged to hair paper money row digital coin systems application by overcoming public individual, and then
Reach that public individual can carry out exchanging the technique effect of digital cash immediately.
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 of the main flow of the method for exchange digital cash according to embodiments of the present invention；
Fig. 2 is the schematic diagram of the method implementation process of exchange digital cash according to embodiments of the present invention；
Fig. 3 is the schematic diagram of the major part of the system of exchange digital cash according to embodiments of the present invention.
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.
Fig. 1 is the schematic diagram of the main flow of the method for exchange digital cash according to embodiments of the present invention.
As shown in figure 1, a kind of method for exchanging digital cash mainly includes disclosed in the embodiment of the present invention：
Step S101：The identity of user is authenticated according to the authentication application of user.In the exchange number to user
Word currency solicited message is tested before processing, is authenticated first by the identity of CA certificate system of users.
Step S102：If authentication passes through, receive and exchange digital cash solicited message.The authentication of user passes through
Afterwards, user can just access the corresponding bank account of the certification, and the digital cash wallet that the bank account is bound.Exchange number
Word currency solicited message includes：Bank account mark, number currency wallet mark, redemption amount and the user's mark specified
Know etc., and then by understanding that user needs to exchange the redemption amount of digital cash to exchanging the examination of digital cash solicited message, with
And the information of the digital cash wallet of user account, the accounts information of user and the user withholdd.Also, exchange numeral
Currency solicited message adds the digital signature of user, and security verification is carried out in order to after.
Step S103：The amount of money is reduced from the bank account specified according to exchange digital cash solicited message, and
Generate feedback information of withholing.Feedback information of withholing include withholing bank account information, withhold before remaining sum, deducted amount or withhold
Remaining sum, and then understand the progress status withholdd and the concrete operations withholdd afterwards.Before withholing, first inquiry is exchanged and specifies silver
Row account balance is not less than application redemption amount, and the digital cash wallet and user's inquiry for checking bank account binding specify wallet
Mark is consistent.Check by then reducing account balance.
Wherein, before being withholdd according to exchange digital cash solicited message, in addition to：To exchanging digital cash request letter
Breath carries out safety examination.Also, before being withholdd according to exchange digital cash solicited message, in addition to：Confirm that user recognizes
Demonstrate,prove the bank account accessed consistent with the bank account specified；And the digital cash wallet of Confirm Bank account binding with
It is consistent that user exchanges the digital cash wallet mark specified.Consistency check could avoid subsequently withholing as far as possible after
There is mistake.
Step S104：According to feedback information and the exchange digital cash solicited message generation digital cash transfer request of withholing,
And send digital cash transfer request to hair paper money row digital coin systems, so that the hair paper money row digital coin systems enter line number
The transfer of word currency simultaneously generates transfer feedback information.Hair paper money row can be the Fa Chao mechanisms (example that Central Bank or Central Bank authorize
Such as Hongkong dollar issuing mode).
Digital cash transfer request includes：Account row information, the digital cash bank storehouse mark of account row, user profile,
Digital cash wallet mark, transfer digital cash word string collection, transfer amount of money that user specifies etc., account row is added in transfer request
Digital signature and bank storehouse digital signature, send to hair paper money row digital coin systems.Then, paper money row digital coin systems are sent out
Receive after digital cash transfer request, the transfer of digital cash is carried out according to the request, generation user's application is exchanged
The digital cash of the corresponding amount of money, and the digital cash wallet mark specified according to user in digital cash transfer request exchanges this
Digital cash record transfer feedback information in, and will belong to account row digital cash record transfer feedback information
In.Send out paper money row digital coin systems to complete after shifting, send back transfer feedback information.Account row digital coin systems are received
Send out paper money row digital coin systems transfer feedback information after, by shift feedback information in belong to user digital cash record with
In the digital cash wallet that family is specified, the digital cash that account row is belonged in feedback information is recorded in account line number word coin silver
In row storehouse, and then exchange transfer is finished.
Digital cash wallet can be divided into from using angle, digital cash application wallet (referred to as " applying wallet ") sum
Word currency bank wallet (referred to as " bank's wallet " or " payment wallet ").Using wallet by non-banking main body be enterprises and individuals
Digital cash application service, including various financial services, ecommerce and the service of other the Internet, applications scenes etc. are provided.Silver
Row wallet is the service such as keeping, exchange, payment to provide digital cash basis for enterprises and individuals by bank.Bank's wallet is
Using wallet provide interface, bank's wallet can be bound after being authorized using wallet through user, thus realize by application wallet come
Bank's wallet interface is called, bank's wallet basic function is accessed.The digital cash wallet extended based on bank account is exactly bank
Wallet.The most basic function of bank's wallet is exactly the digital cash word string for depositing cafe user as the owner.User can lead to
Cross bank's wallet enquiring digital currency avail, quantity, word string detail etc..The bank's wallet extended by bank account, branch
User is held by way of bank account certification, to access bank's wallet, without independent certification again, is provided for bank-user
The function of similar single-sign-on.Bank's wallet can also provide the user access entrance, such as mobile phone A PP or Web service.
According to feedback information and the exchange digital cash solicited message of withholing, and according to the mark of hair paper money row digital coin systems
Quasi- generation digital cash transfer request；Digital cash transfer request includes：Shift the amount of money, transfer digital cash word string collection, user
Digital cash wallet mark, the digital cash bank storehouse mark of account row information, account row or the user profile specified.And
And, digital cash transfer request is sent to before hair paper money row digital coin systems, in addition to：Digital money transfer request is entered
Row security is set, wherein, security setting is carried out to digital money transfer request to be included：Digital money transfer request is added
The digital signature of account row and the digital signature in account line number word currency bank storehouse.Receive the transfer of hair paper money row digital coin systems
After feedback information, in addition to：Safety examination is carried out to transfer feedback information.And, according to transfer feedback information by numeral
After currency record is in the digital cash wallet that user's exchange is specified, in addition to：Send and exchange feedback information, exchange feedback letter
Breath includes withhold information, the mark of digital cash and the amount of money.
Fig. 2 is the schematic diagram of the method implementation process of exchange digital cash according to embodiments of the present invention.
Initiate to apply as shown in Fig. 2 user accesses system by account row user, this application includes two steps, first user
CA certificate system (account row bank account access authentication system) is accessed by bank account and carries out authentication, then identity is recognized
After card passes through, user can just access the corresponding bank account of the certification, and the digital cash wallet that the bank account is bound.
Wherein, the concrete form of digital cash is encryption word string, and the encryption word string includes the amount of money of the digital cash, publisher's mark
Know and owner's mark.Digital cash can embody or be carried in digital wallet, and digital wallet can apply to movement
On terminal, PC terminals or card base.Digital cash can be deposited from global angle by digital cash safe deposit box.And digital cash
Wallet (referred to as " digital wallet ") is then the digital cash safe deposit box of enterprises and individuals.Digital cash bank storehouse is (referred to as " silver-colored
Row storehouse ") be then business bank digital cash safe deposit box.Also, the binding of bank account and digital cash wallet, be by
Wallet ID is deposited in I class accounts, while also saving the bank account ID of association in wallet.I class accounts are referred to by passing
Accounts that system bank counter is opened, all strict demands that meet system of real name, and be with Full Featured account.User binds
The bank account of wallet is basic account or I class accounts, is real name global function account, and each bank-user can only open one
The account.Wallet is also that each bank can only open one simultaneously, and the wallet is bound with the account.So user can only be with basic
The identity of account or I class accounts is accessed, and could access the wallet of account binding.It is inconsistent, it can not access.Other bank's accounts
Family because being limited account, compared to the requirement of wallet real-name authentication want bottom some, put aside can by other bank authentications come
Access wallet.The account row digital cash wallet (being also bank's wallet) that user opens, passes through account row bank account CA systems
It is authenticated, and is opened based on the basic family of existing bank or I class accounts.Bank's wallet with being basic family or I class accounts
Strong real-name authentication.The digital cash wallet opened by bank account authentication mode, and bank account and the wallet are carried out
Binding, user specifies the binding relationship in opening process.After opening successfully, the bank account can identify the digital cash wallet
ID and then correspondingly.
Authentication is by rear, and user, which accesses system by account row user and initiates deposit to account row application system, to exchange
Digital cash solicited message, what the deposit was referred to is the deposit used on line in operating process.Exchange digital cash solicited message
Including：The letter of other identifications such as user's mark, user's bank account mark, number currency wallet mark, redemption amount
Breath, the redemption amount can be the amount of money of deposit or the amount of the digital cash to be exchanged, and the digital goods of the exchange
Coin solicited message adds the digital signature of user.And then, account row application system although it is understood that information and the exchange of user
The amount of money of digital cash.
Account row application system checking user is exchanged after the digital signature of digital cash solicited message, checks that user authentication is visited
The bank account asked is consistent with the bank account that exchange is specified, and then ensures the security of operation.Afterwards, redemption information will be applied for
Send to account row account core system.The inquiry of account row account core system exchanges appointed bank's account balance and is not less than application
Redemption amount, and check that the digital cash wallet of bank account binding and user's inquiry specify wallet mark consistent, check logical
Cross, reduce the remaining sum of account row bank account.Account row account core system sends feedback letter of withholing to account row application system
Breath, wherein feedback information of withholing includes：Withhold bank account information, withhold before remaining sum, deducted amount, withhold after remaining sum.Account
After row application system determines that account row account core system is withholdd successfully by feedback information of withholing, to account row digital cash
System sends redemption request information, and wherein redemption request information includes：Withhold bank account information, deducted amount, the number of exchange
Word currency wallet mark etc..Redemption request information is generated digital goods by account row digital coin systems by digital coin systems standard
Coin transfer request, digital cash transfer request includes：Account row information, the digital cash bank storehouse mark of account row, Yong Huxin
Breath, number currency wallet mark, transfer digital cash word string collection, transfer amount of money etc., and in digital cash transfer request
The digital signature of digital signature and account line number word currency bank storehouse plus account row, sends to hair paper money row digital cash system
System.
Send out paper money row digital coin systems to receive after digital cash transfer request, checking account row information and account line number word goods
Coinage silver row storehouse information, account row digital signature and the digital signature in bank storehouse, user profile and number currency wallet,
The digital cash owner identifies and the amount of money is not less than after the contents such as payment, completes digital cash transfer.Send out paper money line number word
During money-system transfer digital cash, the transfer digital cash word string that account row digital coin systems are sent is concentrated
Digital cash word string is registered as cancel status, then generates whereabouts digital cash word string according to redemption amount, and will belong to respectively
Feedback letter is being shifted in the whereabouts digital cash word string record of account line number word currency bank storehouse and the digital cash wallet of user
In breath.Then, after account row digital coin systems receive transfer feedback information, it will belong to user's in transfer feedback information
Digital cash is recorded in the digital cash wallet that user specifies, and the digital cash that account row is belonged in feedback information is recorded
In account line number word currency bank storehouse.
Account row digital coin systems are received after transfer successful information, then number of the digital cash record of user in user
In word currency wallet, the digital cash of account row is recorded in the bank storehouse of account row.Also, account row digital coin systems to
Account row application system, which is sent, exchanges transfer successful information, including：Digital cash mark and the amount of money of exchange etc..Account row application
System accesses system to account row user and returns to exchange successful information, including：Bank account is withholdd information (remaining sum before withholing, button
The money amount of money, withhold after remaining sum), exchange digital cash mark and amount of money etc..
Fig. 3 is the schematic diagram of the major part of the system of exchange digital cash according to embodiments of the present invention.
As shown in figure 3, the main of the system 300 of the exchange digital cash of the embodiment of the present invention includes：Account row bank account
Family access authentication system 301, account row application system 302, account row account core system 303 and account row digital coin systems
304。
Account row bank account access authentication system 301 user by account row user access system application authentication after,
Identity to user is authenticated.
Account row application system 302, for authentication by rear, receives and comes from converting for account row user access system
Change digital cash solicited message.Wherein, the digital goods that digital cash solicited message includes redemption amount, user's exchange is specified is exchanged
Coin wallet and the bank account specified.Account row application system 302 is in authenticating user identification by rear, and user is used by account row
Family accesses system and sends exchange digital cash solicited message to account row application system, and account row application system checking user exchanges
After the digital signature of digital cash solicited message, the bank account one that the bank account that user authentication is accessed is specified with exchange is confirmed
Cause.Also, application redemption information is sent to the account row account core system of account row account core system 303.
Account row account core system 303, withholds for being withholdd, and being generated according to exchange digital cash solicited message
Feedback information.The inquiry of account row account core system 303 exchanges appointed bank's account balance and is not less than application redemption amount, checks
The digital cash wallet of bank account binding specifies wallet mark consistent with user's inquiry.Check by then reducing account balance,
And then the rights and interests of account row can be ensured, it is to avoid occur that information is inconsistent and the situation withholdd.Wherein, appointed bank's account
It can be the bank account of account row bank account or I class account Internet access.
Account row digital coin systems 304, for according to feedback information and the solicited message generation of exchange digital cash of withholing
Digital cash transfer request, and digital cash transfer request is sent to hair paper money row digital coin systems；And for receiving hair
The transfer feedback information of paper money row digital coin systems, and converted digital cash record in user according to the transfer feedback information
Change in the digital cash wallet specified.Feedback information of withholing include withhold bank account information, withhold before remaining sum, deducted amount or
Remaining sum after person withholds.Account row digital coin systems are according to feedback information and the exchange digital cash solicited message of withholing, and press
The standard generation digital cash transfer request of paper money row digital coin systems approved for distribution；Digital cash transfer request includes：The transfer amount of money,
Shift the digital cash bank storehouse mark of digital cash word string collection, number currency wallet mark, account row information, account row
Or user profile.During sending out paper money row digital coin systems transfer digital cash, account row digital coin systems are sent
Transfer digital cash word string concentrate digital cash word string be registered as cancel status, then according to redemption amount generate whereabouts number
Word currency word string, and the whereabouts of the digital cash wallet by account line number word currency bank storehouse and user is belonging respectively to is digital
Currency word string record is in transfer feedback information.Then, after account row digital coin systems receive transfer feedback information, incite somebody to action
The digital cash for belonging to user in transfer feedback information is recorded in the digital cash wallet that user specifies, and will be belonged in feedback information
Recorded in the digital cash of account row in account line number word currency bank storehouse.Account row digital coin systems are additionally operable in basis
The transfer feedback information records digital cash after user is exchanged in the digital cash wallet specified, and sends and exchanges feedback
Information, exchanging feedback information includes withhold information, the mark of digital cash and the amount of money.
Before account row account core system is withholdd according to exchange digital cash solicited message, to exchanging digital goods
Coin solicited message carries out safety examination.Account row account core system is withholdd according to exchange digital cash solicited message
Before, check whether the bank account of user authentication access is consistent with the bank account that exchange is specified；And check bank account
The digital cash wallet of binding is exchanged the digital cash wallet specified with user and identified whether unanimously.Account row digital coin systems
Digital cash transfer request is sent to before hair paper money row digital coin systems, carrying out security to digital money transfer request sets
Put；And after the transfer feedback information of reception hair paper money row digital coin systems, safety examination is carried out to transfer feedback information.
Account row digital coin systems can pass through the digital signature and account line number word to digital money transfer request addition account row
The digital signature in currency bank storehouse, security setting is carried out to digital money transfer request.
From the foregoing, the system of the exchange digital cash of the embodiment of the present invention can by send out paper money row digital coin systems and
Account row system is achieved.Wherein, account row system includes：(Web or APP) or application are accessed for providing user front end
The account row of service provider's API Access accesses system；For the account row application system for the service function for providing account and wallet；With
To handle the account row account core system of the book keeping operation of user's bank account, transaction etc.；Account executive line number word currency bank storehouse, use
Family wallet and responsible user's wallet open the account row digital coin systems that CA is signed and issued etc..Wherein, the numeral that account row is opened
Currency wallet is corresponding with account row bank account, and the logic of corresponding relation is determined by business rule.The realization of corresponding relation can be with
There are various ways, it is a kind of corresponding relation that bank account, which preserves wallet and identifies and then can correspond to wallet,.
The technical scheme of the system of exchange digital cash according to embodiments of the present invention, it is passed through in the authentication of user
Afterwards, user can just access the corresponding bank account of the certification, and the digital cash wallet that the bank account is bound.Wherein,
If by account authentication, it is possible to access my account, and the digital cash wallet that the account binds.If by number
Word purse identity certification, can only access my wallet.Also, please by the generation digital cash transfer of digital coin systems standard
Ask, digital cash transfer request is transferred to hair paper money row digital coin systems.Paper money row digital coin systems complete digital cash
Transfer, the digital cash for the corresponding amount that user is applied exchanging is recorded in the digital cash wallet of user, by account row
Digital cash is recorded in the bank storehouse of account row.And then, the technical side of the system of the exchange digital cash of the embodiment of the present invention
Case cause user and hair paper money row digital coin systems between set up link relation, overcome public individual can not to hair paper money line number word
Digital cash technical problem is exchanged in money-system application, and then reaches that public individual can carry out exchanging the skill of digital cash immediately
Art effect.
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 (15)
1. a kind of method for exchanging digital cash, it is characterised in that including：
The identity of the user is authenticated according to the authentication application of user；
If authentication passes through, receive and exchange digital cash solicited message；The exchange digital cash solicited message includes exchanging
The amount of money, user exchange the digital cash wallet specified and the bank account specified；
The amount of money is reduced from the bank account specified according to the exchange digital cash solicited message, and generation is withholdd instead
Feedforward information；
Digital cash solicited message generation digital cash transfer request and is exchanged at feedback information according to described withhold, and by the number
Word money transfer request is sent to hair paper money row digital coin systems, so that the hair paper money row digital coin systems carry out digital cash
Transfer and generate transfer feedback information；
The transfer feedback information of the hair paper money row digital coin systems is received, and according to the feedback information that shifts by digital goods
Coin record is in user exchanges the digital cash wallet specified.
2. according to the method described in claim 1, it is characterised in that referred to according to the exchange digital cash solicited message from described
Fixed bank account is reduced before the amount of money, and safety examination is carried out to the exchange digital cash solicited message.
3. method according to claim 1 or 2, it is characterised in that according to the digital cash solicited message of exchanging from institute
State before the bank account specified reduces the amount of money, in addition to：
Confirm that the bank account that user authentication is accessed is consistent with the bank account specified；And Confirm Bank's account binding
It is consistent that digital cash wallet exchanges the digital cash wallet specified mark with user；And, confirm account line number word currency bank
The digital cash amount of money in storehouse is not less than redemption amount.
4. according to the method described in claim 1, it is characterised in that the feedback information of withholing includes the bank account letter specified
Cease, withhold before remaining sum, deducted amount and remaining sum after withholing.
5. according to the method described in claim 1, it is characterised in that send the digital cash transfer request to hair paper money line number
Before word money-system, in addition to：Security setting is carried out to the digital cash transfer request；
After the transfer feedback information for receiving hair paper money row digital coin systems, in addition to：The transfer feedback information is pacified
Full property is examined.
6. method according to claim 5, it is characterised in that security setting is carried out to the digital cash transfer request
Including：
The digital signature of account row and the numeral label in account line number word currency bank storehouse are added to the digital cash transfer request
Name.
7. according to the method described in claim 1, it is characterised in that recorded digital cash according to the transfer feedback information
After user is exchanged in the digital cash wallet specified, in addition to：
To the user send exchange feedback information, the exchange feedback information include withhold information, the mark of digital cash with
And the amount of money of digital cash.
8. a kind of system for exchanging digital cash, it is characterised in that including：
Account row bank account access authentication system, is carried out for the authentication application according to user to the identity of the user
Certification；
Account row application system, for authentication by rear, receives and comes from the exchange numeral that account row user accesses system
Currency solicited message；It is described to exchange the digital cash wallet that digital cash solicited message includes redemption amount, user's exchange is specified
With specified bank account；
Account row account core system, for according to the exchange digital cash solicited message from the bank account button specified
Subtract the amount of money, and generate feedback information of withholing；
Account row digital coin systems, for feedback information and the exchange digital cash solicited message generation numeral of being withholdd according to
Money transfer request, and the digital cash transfer request is sent to hair paper money row digital coin systems, for the hair paper money row
Digital coin systems carry out the transfer of digital cash and generate transfer feedback information；The account row digital coin systems are additionally operable to
The transfer feedback information of the hair paper money row digital coin systems is received, and is remembered digital cash according to the transfer feedback information
Record in user exchanges the digital cash wallet specified.
9. system according to claim 8, it is characterised in that the account row application system is additionally operable in account row account
Before core system reduces the amount of money according to the exchange digital cash solicited message from the bank account specified, to institute
State exchange digital cash solicited message and carry out safety examination.
10. system according to claim 8 or claim 9, it is characterised in that the account row application system is additionally operable in account row
Before account core system reduces the amount of money according to the exchange digital cash solicited message from the bank account specified,
Confirm that the bank account that user authentication is accessed is consistent with the bank account specified；And the numeral of Confirm Bank's account binding
It is consistent that currency wallet exchanges the digital cash wallet specified mark with user；And, confirm account line number word currency bank storehouse
The digital cash amount of money is not less than redemption amount.
11. system according to claim 8, it is characterised in that the feedback information of withholing includes the bank account specified
Information, withhold before remaining sum, deducted amount and remaining sum after withholing.
12. system according to claim 8, it is characterised in that the account row digital coin systems are additionally operable to by institute
State digital cash transfer request to send to before hair paper money row digital coin systems, safety is carried out to the digital cash transfer request
Property set；And after the transfer feedback information of the hair paper money row digital coin systems is received, to the transfer feedback information
Carry out safety examination.
13. system according to claim 12, it is characterised in that the account row digital coin systems are to the digital goods
Coin transfer request, which carries out security setting, to be included：
The digital signature of account row and the numeral label in account line number word currency bank storehouse are added to the digital cash transfer request
Name.
14. system according to claim 8, it is characterised in that the account row digital coin systems are additionally operable in basis
The transfer feedback information records digital cash after user is exchanged in the digital cash wallet specified, and is sent out to the user
Exchange feedback information is sent, the exchange feedback information includes the amount of money of withhold information, the mark of digital cash and digital cash.
15. 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 1-7.
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