CN107392580B - Method and system for realizing digital currency conversion deposit based on digital currency - Google Patents
Method and system for realizing digital currency conversion deposit based on digital currency Download PDFInfo
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Abstract
The invention discloses a method and a system for realizing digital currency conversion deposit based on digital currency, and relates to the field of computers. One embodiment of the method comprises: performing identity authentication according to the bank account information of the user; receiving a digital currency conversion deposit request provided by a user, generating a digital currency transfer request and sending the request to a currency-sending line digital currency system; the digital currency conversion deposit request carries conversion amount information, and the digital currency conversion request carries information of digital currency of which the owner is the user; acquiring transfer confirmation information returned by the money sending line digital money system; the transfer confirmation information includes information of a going note generated by taking the digital currency as a source note; the money to be transferred is transferred to the bank of digital currency of the account bank, and the exchange amount is increased on the authenticated bank account of the user. This embodiment enables a secure, controllable, traceable exchange from digital currency to credit, thereby enabling the digital currency to be widely used by state-of-the-art citizens.
Description
Technical Field
The invention relates to the field of computers, in particular to a method and a system for realizing digital currency conversion deposit based on digital currency.
Background
There is currently no legal digital currency exchange deposit technology. And the virtual money represented by the bitcoin realizes fund transfer through bank accounts of the buyer and the seller when the transaction is carried out. Because the virtual currency is not currency and can only be used as a digital asset, the purchase and sale of the virtual currency also do not belong to conversion and are only a transaction. The existing transaction mode of the virtual currency has the following defects:
1. the method is completely isolated from the existing financial and financial system, and the application range and the practical value are smaller.
2. In the transaction process, assets are easy to be stolen and difficult to be compensated due to the leakage of the private key.
3. The virtual currency has an anonymous characteristic, so that the owner of the virtual currency cannot be tracked in use, and the unmarked fund transfer can be theoretically formed, is free from the supervision and control of administrative law enforcement departments, and is easy to become a hotbed for criminal transactions.
Disclosure of Invention
In view of the above, embodiments of the present invention provide a method and system for implementing digital currency conversion deposit based on digital currency, which can implement safe, controllable and traceable conversion from digital currency to deposit based on new digital currency, so that the digital currency can be widely applied to the nationwide civilians.
To achieve the above objects, according to one aspect of the present invention, there is provided a method of implementing a digital currency exchange credit based on digital currency.
The method for realizing the digital currency conversion deposit based on the digital currency comprises the following steps: performing identity authentication on the user according to bank account information input by the user; receiving a digital currency conversion deposit request provided by a user through identity authentication, generating a digital currency transfer request based on the digital currency conversion deposit request, and sending the digital currency transfer request to a money-issuing digital currency system; the digital currency conversion deposit request carries conversion amount information, and the digital currency conversion request carries information of digital currency of which the owner is the user and the amount is not less than the conversion amount; acquiring transfer confirmation information returned by the money sending line digital money system; wherein the transfer confirmation information includes: information of a destine currency which is generated by taking the digital currency as a source currency and takes an owner as an account bank, wherein the amount of the destine currency is equal to the exchange amount; and transferring the going currency to an account bank digital currency bank, and adding the exchange amount to the authenticated bank account of the user.
Optionally, the digital currency of which the owner is the user and the amount is not less than the converted amount is stored in the user's bank wallet.
Optionally, when the amount of the source currency is greater than the exchange amount, the transfer confirmation information further includes: information generated by taking the digital currency as a source currency and taking an owner as a destination currency of the user; wherein the amount of the destine currency is the difference between the amount of the source currency and the exchange amount; after the obtaining of the transfer confirmation information returned by the bank note dispensing line digital money system, the method further comprises: and transferring the outgoing currency which is generated by taking the digital currency as the source currency and takes the owner as the user to the bank wallet of the user.
Optionally, the digital currency exchange deposit request further carries: an identification of the user's designated bank account, an identification of the user's bank wallet, and a digital signature of the user; after the receiving of the user-provided digital currency exchange deposit request by the identity authentication, the method further comprises: verifying the digital signature of the user; after the verification is passed, judging whether the identification of the specified bank account of the user is consistent with the identification of the authentication bank account of the user, and judging whether the identification of the bank wallet of the user is consistent with the identification of the bank wallet bound with the authentication bank account of the user; and when the judgment results are all yes, judging whether the available amount of the bank wallet of the user is not less than the exchange amount: if so, generating a digital currency transfer request based on the digital currency conversion deposit request.
Optionally, the digital money transfer request further carries: the system comprises an account line identifier, an account line digital currency bank base identifier, an account line digital signature, a user identifier, an identifier of a user's bank wallet and a digital signature of the user's bank wallet, and is used for verifying by a money-issuing line digital currency system after the money-issuing line digital currency system receives the digital currency transfer request.
To achieve the above objects, according to still another aspect of the present invention, there is provided a system for realizing a digital currency exchange deposit based on digital currency.
The system for realizing the digital currency conversion deposit based on the digital currency comprises the following steps: the authentication system is used for authenticating the identity of the user according to the bank account information input by the user; the application system is used for receiving and forwarding a digital currency exchange deposit request provided by a user through identity authentication; wherein the digital currency conversion deposit request carries conversion amount information; a currency system for generating a digital money transfer request based on the digital money exchange deposit request forwarded by the application system, sending the digital money transfer request to a money-issuing digital currency system; acquiring transfer confirmation information returned by the money sending line digital money system; wherein the digital money transfer request carries information of digital money of which the owner is the user and the money amount is not less than the exchange money amount, and the transfer confirmation information includes: information of a destine currency which is generated by taking the digital currency as a source currency and takes an owner as an account bank, wherein the amount of the destine currency is equal to the exchange amount; the money system is further used for transferring the going currency to an account bank digital money bank after acquiring the transfer confirmation information; and the account system is used for adding the exchange amount in the authentication bank account of the user according to the transfer confirmation information.
Optionally, the digital currency of which the owner is the user and the amount is not less than the converted amount is stored in the user's bank wallet.
Optionally, when the amount of the source currency is greater than the exchange amount, the transfer confirmation information further includes: information generated by taking the digital currency as a source currency and taking an owner as a destination currency of the user; wherein the amount of the destine currency is the difference between the amount of the source currency and the exchange amount; the currency system is further configured to: and after the transfer confirmation information returned by the money-sending line digital currency system is acquired, transferring the outgoing currency which is generated by taking the digital currency as the source currency and is taken as the user by the owner to the bank wallet of the user.
Optionally, the digital currency exchange deposit request further carries: an identification of the user's designated bank account, an identification of the user's bank wallet, and a digital signature of the user; the application system is further configured to: verifying a digital signature of the user after the receiving of the digital currency exchange deposit request provided by the user passing the identity authentication; after the verification is passed, judging whether the identification of the specified bank account of the user is consistent with the identification of the authentication bank account of the user, and judging whether the identification of the bank wallet of the user is consistent with the identification of the bank wallet bound with the authentication bank account of the user; the currency system is further configured to: and when the judgment results of the application system are all yes, judging whether the available amount of the bank wallet of the user is not less than the exchange amount: if so, generating a digital currency transfer request based on the digital currency conversion deposit request.
Optionally, the digital money transfer request further carries: the system comprises an account line identifier, an account line digital currency bank base identifier, an account line digital signature, a user identifier, an identifier of a user's bank wallet and a digital signature of the user's bank wallet, and is used for verifying by a money-issuing line digital currency system after the money-issuing line digital currency system receives the digital currency transfer request.
To achieve the above object, according to still another aspect of the present invention, there is provided a computer-readable storage medium.
The computer readable storage medium of the present invention has stored therein computer instructions executable by a computer or computer system to thereby enable the computer or computer system to perform the method of implementing a digital currency conversion credit based on digital currency.
According to the technical scheme of the invention, one embodiment of the invention has the following advantages or beneficial effects: the bank-note issuing bank is responsible for executing the transfer and the right confirmation of the digital currency, the account behavior user provides a bank wallet for storing the digital currency, and the digital currency is exchanged based on the bank account of the user bound with the wallet, so that the digital currency wallet and the exchange process are completely integrated into the existing bank system, the digital currency can be widely applied to various aspects of the national civilization, and the possibility of the narrow bank is reduced; the safety of transaction is ensured by carrying out strict identity authentication and digital signature verification on the user and the account line; the exchange process, the digital currency and the owner of the digital currency are controlled by a bank system, so that the real-name management of the digital currency and the tracking of the transaction process are realized, and the digital currency is prevented from being utilized by lawbreakers.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
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The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of the main steps of a method of implementing a digital currency conversion credit based on digital currency according to an embodiment of the present invention;
FIG. 2 is a detailed flow diagram of a method of implementing a digital currency conversion credit based on digital currency according to an embodiment of the invention;
fig. 3 is a main part schematic diagram of a system for implementing digital currency conversion credit based on digital currency according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. 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.
According to the technical scheme of the embodiment of the invention, the bank-issuing bank is responsible for executing the transfer and the right confirmation of the digital currency, the account behavior user provides the bank wallet for storing the digital currency, and the conversion is carried out based on the bank account of the user bound wallet, so that the digital currency wallet and the conversion process are completely integrated into the existing bank system, the digital currency can be widely applied to various aspects of the national civilization, and the possibility of the narrow bank is reduced; the safety of transaction is ensured by carrying out strict identity authentication and digital signature verification on the user and the account line; the exchange process, the digital currency and the owner of the digital currency are controlled by a bank system, so that the real-name management of the digital currency and the tracking of the transaction process are realized, and the digital currency is prevented from being utilized by lawbreakers.
Fig. 1 is a schematic diagram of the main steps of a method of implementing a digital currency conversion deposit based on digital currency according to the present embodiment.
As shown in fig. 1, the method for implementing digital currency conversion deposit based on digital currency of the embodiment of the present invention mainly includes the following steps:
step S101: and performing identity authentication on the user according to the bank account information input by the user.
In this step, the bank account system performs identity authentication on the bank account information according to the bank account information input by the user. In practical applications, the account line is generally a commercial bank, and the authentication process is performed by a certificate authority (ca) authentication system of the account line system. After authentication is completed, the user can access the bank wallet bound with his authentication bank account. Generally, the identification of the bank wallet of the user is stored in the authentication bank account of the user, and the identification of the authentication bank account of the user is stored in the bank wallet, so that the user and the bank wallet are bound in this way. In an embodiment of the invention, the conversion of digital currency to credit is between the user's bound bank wallet and an authenticated bank account. It can be understood that the deposit may be electronic money stored in a bank account of a user in an existing bank system, or electronic money which is pre-paid for others and is centrally stored in a bank in advance by an internet system such as a payment treasure or a WeChat which is connected with the bank system.
In the embodiment of the present invention, the digital money is completely different from the virtual money such as the conventional bitcoin, and is issued by the central bank with national credit as a guarantee. The digital currency can realize controllable anonymity (namely foreground anonymity and background real name), can be tracked, supports attribute expression serving as the currency, meets the requirement of currency management, and has expandability. Meanwhile, the digital currency can support the coexistence and the sharing with the existing account system, and can support various value-added service requirements of different application scenes.
The digital currency of the invention is in the form of encrypted character strings, and the essence of the digital currency is encryption processing of main attributes and ownership of the currency. The string is made up of a plurality of extensible variable length fields including one or more of: issuer identification, owner identification, currency management attributes, currency security attributes, currency application attributes, currency amount, currency number. The owner identification can correspond to the real user through the system background; the currency management attribute is a field supporting the currency authority to manage the currency issuance and circulation; the currency security attribute is a group of fields related to digital currency security encryption, and can realize the functions of digital currency such as non-counterfeiting, non-tampering, non-repudiation, privacy protection, transaction security protection and the like; the currency application attribute is a group of fields of the digital currency meeting the requirements of application scenes and value-added services, and can realize functions of controlling fund flow, executing intelligent contracts and the like. Hereinafter, the expression "digital money" is intended to mean digital money provided by the present invention, as described above.
In practice, digital currency is typically deposited through digital currency purses. The digital currency wallet includes: an application wallet corresponding to an individual user or an enterprise user, a bank wallet, and a digital money bank corresponding to a commercial bank. The digital currency bank is used for storing digital currency of a commercial bank. The application wallet provides digital currency application services for enterprise users and individual users by non-bank subjects, including various financial services, e-commerce and other internet application scenario services, and the like. The bank wallet provides custody, exchange, payment and other services of digital currency for enterprise users and individual users by banks.
For a bank wallet, the structure can be divided into from top to bottom: interface layer, application layer and data structure layer. Specifically, the method comprises the following steps:
the interface layer mainly provides access entrance for users, and can be divided into a parallel user presentation layer and an Application Programming Interface (API) access layer.
The application layer mainly provides application services of the wallet, including basic functions of opening, binding, logging out, inquiring, exchanging, paying and the like, and also includes services of safety control, application expansion and the like.
The data structure layer is the core part of the bottommost layer of the bank wallet and can be further subdivided into the following three layers:
1. an application data layer: the method mainly comprises a security key, binding bank account information, public parameters, time, a counter and the like.
2. Base layer: including basic attributes of the wallet such as wallet identification, user name, user number, date of opening, institution opening, available amount, digital currency list index, smart contract index, status information, etc. The digital currency list index includes a list of valid digital currency strings deposited in the bank wallet and the corresponding amounts, status, etc. The smart contract index includes a set of smart contract scripts associated with the bank wallet.
3. A fine layer: and recording detailed information of the bank wallet for transaction, including a transaction serial number, a transaction date, a transaction initiator, a transfer-out party, an original digital currency character string, a transfer-in party, a new digital currency character string, a transaction amount, a transaction channel, a timestamp, state information and the like.
Step S102: receiving a digital currency conversion deposit request provided by a user through identity authentication, generating a digital currency transfer request based on the digital currency conversion deposit request, and sending the digital currency transfer request to the money-issuing digital currency system.
Specifically, in this step, the bank account system receives a digital currency conversion deposit request provided by the user, and the conversion amount information may be carried in the digital currency conversion deposit request. Generally, the user may provide the digital currency exchange deposit request by clicking after inputting information, or the like. As a preferred approach, the digital currency exchange credit request may also carry an identification of the user's designated bank account, an identification of the user's bank wallet and a digital signature of the user. The account bank system then determines one or more digital currencies in the user's bank wallet that the total amount is not less than the converted amount, generates a digital money transfer request, and sends the request to the issuing line digital currency system. The digital money transfer request is for transferring digital money from the user's bank wallet to the bank of account bank digital money. Preferably, the digital money transfer request carries information of one or more digital currencies of which the total amount is not less than the exchange amount and the exchange amount information, of which the owner is the user. Wherein the information of the digital money may include the digital money character string information. Preferably, the digital money transfer request may also carry an account line identification, an account line digital money bank identification, an account line digital signature, a user identification, an identification of the user's bank wallet, and a digital signature of the user's bank wallet. It will be appreciated that the bank of banknotes may be a central bank or a central bank authorised banknote dispensing mechanism.
Specifically, in this step, after receiving a digital currency exchange deposit request provided by a user, the digital signature of the user may be first verified. After the verification is passed, judging whether the identification of the specified bank account of the user is consistent with the identification of the authentication bank account of the user, and judging whether the identification of the bank wallet of the user is consistent with the identification of the bank wallet bound with the authentication bank account of the user. And when the two judgment results are yes, judging whether the available amount of the bank wallet of the user is not less than the exchange amount: if so, generating a digital money transfer request based on the digital money exchange deposit request, wherein the digital money transfer request is used for realizing the transfer of the digital money of the user's bank wallet to the digital money bank of the account bank.
Step S103: transfer confirmation information returned by the money-issuing line digital money system is acquired.
Prior to this step, the issuing digital currency system, after receiving the digital currency transfer request, validates the exchange of the associated digital currency. Specifically, first, the bank-issuing digital money system verifies the account line identification, the account line digital money bank identification, the account line digital signature, the user identification, the identification of the user's bank wallet, and the digital signature of the user's bank wallet, which are carried in the digital money transfer request. After the validation is passed, one or more destina coins are generated based on the one or more digital currencies carried by the digital money transfer request. That is, the owner first voides one or more of the digital currencies carried by the user's digital money transfer request, generating an equal amount of the go-currency.
If the total amount of the one or more digital currencies carried by the digital money transfer request for the owner for the user equals the conversion amount, one or more destina coins for which the owner is the account line for which the total amount equals the conversion amount are generated.
If the total amount of the one or more digital currencies carried by the digital currency transfer request for the owner for the user is greater than the exchange amount, i.e. the difference between the two is greater than zero, then in addition to generating one or more destroyers for which the owner is an account bank for which the total amount is equal to the exchange amount, one or more destroyers for which the owner is the user for which the total amount is the difference are generated.
Then, the money-issuing row digital money system generates transfer confirmation information based on the information that the owner is the going money of the account row, or the information that the owner is the going money of the account row and the information that the owner is the going money of the user, and transmits the transfer confirmation information to the account row system. Generally, the information of the going-to-coin can comprise character string information of the going-to-coin, and the transfer confirmation information is provided with a digital signature of the bank-note issuing bank.
In step S103, the account line system acquires transfer confirmation information returned by the digital money system of the bank-issuing line.
Step S104: and transferring the destination currency of which the owner is the account bank to the digital currency bank of the account bank, and adding the conversion amount to the authentication bank account of the user.
In this step, the account bank system transfers the going currency of the owner as the account bank to the account bank digital currency bank, and adds the conversion amount to the authentication bank account of the user, thereby realizing the conversion from the digital currency to the deposit. The account line system also transfers the money destined for the owner for the user to the user's bank wallet if the total amount of the one or more digital currencies carried by the digital money transfer request for the owner is greater than the redemption amount.
Fig. 2 is a detailed flowchart of a method for implementing a digital currency conversion credit based on digital currency according to an embodiment of the present invention.
As shown in fig. 2, the account row system includes: access system, authentication system, application system, account system, currency system. Specifically, the method comprises the following steps:
the access system is used for realizing front-end access of a user or API access of an application service provider.
The authentication system is used for authenticating the identity of the user.
The application system is used for providing service functions of accounts and wallets.
The account system is used for processing services such as accounting and transaction of the bank account of the user.
The currency system is used for managing an account bank digital currency bank, a user bank wallet, opening the identity authentication function of the user bank wallet and the like.
As shown in fig. 2, the method for implementing digital currency conversion deposit based on digital currency according to the embodiment of the present invention may be performed according to the following steps:
1. the user accesses the account row system through the access system.
2. The user inputs bank account information in the authentication system to perform identity authentication.
3. After the authentication is passed, the user provides a digital currency conversion deposit request to the application system through the access system, wherein the digital currency conversion deposit request comprises information such as user identification, identification of a designated bank account of the user, identification of a bank wallet of the user, digital signature of the user, conversion amount and the like.
4. After the application system verifies the digital signature of the user, whether the identification of the designated bank account of the user is consistent with the identification of the authentication bank account of the user or not is judged, and whether the identification of the bank wallet of the user is consistent with the identification of the bank wallet bound to the authentication bank account of the user or not is judged. If both of the above-described determinations are yes, a digital currency exchange deposit request is transmitted to the currency system.
5. The currency system judges whether the available amount of the user's bank wallet is not less than the exchange amount according to the digital currency exchange deposit request.
6. If the determination of the previous step is yes, a digital money transfer request is generated based on the digital money exchange deposit request, and the digital money transfer request is sent to the issuing digital money system. The digital money transfer request is for transferring digital money from the user's bank wallet to the bank of account bank digital money. In general, a digital money transfer request may carry: account line information, account line digital currency bank identification, account line digital signature, user information, identification of the user's bank wallet, digital signature of the user's bank wallet, a string of digital currency characters used by the owner for the user to redeem the deposit, and the redemption amount. The account line information may include an account line identifier, and the user information may include a user identifier.
7. The money-sending line digital money system receives the digital money transfer request, verifies account line information, account line digital money bank identification, account line digital signature, user information, identification of a user's bank wallet and digital signature of the user's bank wallet, and generates a going coin by taking the digital money carried by the digital money transfer request as a source coin after determining that the owner of the digital money character string carried by the digital money transfer request is the user and the amount of the digital money is not less than the exchange amount.
Specifically, if the amount of digital money carried by the digital money transfer request, the owner being the user, is equal to the exchange amount, the destination currency, the owner being the account line, having an amount equal to the exchange amount is generated, and the source currency is invalidated.
If the amount of the digital currency carried by the digital currency transfer request of the owner for the user is greater than the exchange amount, namely the difference value between the amount of the digital currency and the exchange amount is greater than zero, the destination currency of the owner for the user with the amount of the difference value is generated in addition to the destination currency of the owner for the account row with the amount equal to the exchange amount, and the source currency is discarded.
Then, the money-sending line digital money system generates transfer confirmation information with a money-sending line digital signature according to the character string of the going coin of which the owner is the account line, or the character string of the going coin of which the owner is the account line and the character string of the going coin of which the owner is the user, and sends the transfer confirmation information to the account line system through a secure channel.
8. After the money system receives the transfer confirmation message, the owner transfers the money to be transferred to the account bank digital money bank. The credit line system also transfers the money the owner has spent as the user to the user's bank wallet if the amount of digital currency carried by the digital currency transfer request is greater than the exchange amount.
In addition, the currency system sends transfer success information to the application system, and the transfer success information can comprise the source currency identification and the exchange amount.
9. And the application system sends an account posting request to the account system according to the transfer success information, wherein the account posting request can comprise the exchange amount and the information of the authentication bank account of the user. The information of the authentication bank account of the user may include an identifier of the authentication bank account of the user.
10. The account system increases the balance of the authentication bank account of the user according to the converted amount and the like, and then returns a successful posting notification to the application system, wherein the successful posting notification comprises the following steps: the information of the authentication bank account of the user, the balance before the account entry of the authentication bank account, the account entry amount, the balance after the account entry and the like. The application system returns the redemption success information to the access system, and the redemption success information comprises: the balance before account entry, the account amount, the balance after account entry, the source currency identification and the amount of the source currency of the authentication bank account of the user.
According to the method for realizing the digital currency conversion deposit based on the digital currency, provided by the embodiment of the invention, the technical means that the bank issuing bank is responsible for executing the transfer and the right confirmation of the digital currency is adopted, the account behavior user provides the bank wallet for storing the digital currency, and the conversion is carried out based on the bank account of the wallet bound by the user, so that the digital currency wallet and the conversion process are completely integrated into the existing bank system, the digital currency can be widely applied to various aspects of the national civilization, and the possibility of the narrow bank is reduced; because the technical means of carrying out strict identity authentication and digital signature verification on the user and the account is adopted, the safety of transaction is ensured; the exchange process, the digital currency and the owner of the digital currency are controlled by a bank system, so that the real-name management of the digital currency and the tracking of the transaction process are realized, and the digital currency is prevented from being utilized by lawbreakers.
Fig. 3 shows the main parts of the system for implementing digital currency conversion credit based on digital currency according to the embodiment of the present invention.
As shown in fig. 3, a system 300 for implementing digital currency conversion credit based on digital currency according to an embodiment of the present invention may include an authentication system 301, an application system 302, a currency system 303, and an account system 304. Wherein:
the authentication system 301 may be used to authenticate the user based on the bank account information entered by the user.
The application system 302 may be configured to receive and forward a digital currency exchange deposit request provided by a user who passes identity authentication; and the digital currency conversion deposit request carries conversion amount information.
The money system 303 is operable to generate a digital money transfer request based on the digital currency conversion deposit request forwarded by the application system 302, send the digital money transfer request to a dispensing line digital money system; acquiring transfer confirmation information returned by the money sending line digital money system; wherein the digital money transfer request carries information of digital money of which the owner is the user and the money amount is not less than the exchange money amount, and the transfer confirmation information includes: information of a destine currency which is generated by taking the digital currency as a source currency and takes an owner as an account bank, wherein the amount of the destine currency is equal to the exchange amount; the money system is further configured to transfer the money to an account bank digital money bank after obtaining the transfer confirmation information.
In practical application, the digital currency of which the owner is the user and the amount is not less than the converted amount is stored in the bank wallet of the user.
As a preferable scheme, when the amount of the source currency is greater than the exchange amount, the transfer confirmation information may further include: information generated by taking the digital currency as a source currency and taking an owner as a destination currency of the user; wherein the amount of the destroyer currency is the difference between the amount of the source currency and the exchange amount.
And the monetary system 303 is further operable to: and after the transfer confirmation information returned by the money-sending line digital currency system is acquired, transferring the outgoing currency which is generated by taking the digital currency as the source currency and is taken as the user by the owner to the bank wallet of the user.
In the embodiment of the present invention, the digital currency exchange deposit request may further carry: an identification of the user's designated bank account, an identification of the user's bank wallet, and a digital signature of the user.
Preferably, the application system 302 is further operable to: verifying a digital signature of the user after the receiving of the digital currency exchange deposit request provided by the user passing the identity authentication; after the verification is passed, judging whether the identification of the specified bank account of the user is consistent with the identification of the authentication bank account of the user, and judging whether the identification of the bank wallet of the user is consistent with the identification of the bank wallet bound with the authentication bank account of the user.
Preferably, the monetary system 303 is further operable to: when the judgment results of the application system 302 are all yes, judging whether the available amount of the bank wallet of the user is not less than the exchange amount: and if so, generating a digital money transfer request based on the digital money conversion deposit request, wherein the digital money transfer request is used for realizing the transfer of the digital money of the user's bank wallet to the digital money bank of the account bank.
Furthermore, in an embodiment of the present invention, the digital money transfer request may further carry: the system comprises an account line identifier, an account line digital currency bank base identifier, an account line digital signature, a user identifier, an identifier of a user's bank wallet and a digital signature of the user's bank wallet, and is used for verifying by a money-issuing line digital currency system after the money-issuing line digital currency system receives the digital currency transfer request.
In practical applications, the system 300 for implementing digital currency conversion deposit based on digital currency of the embodiment of the present invention may be an account bank system, which may further include an access system for implementing front-end access of users or API access of application service providers.
As can be seen from the above description, because the money issuing bank is responsible for executing the transfer and the right of the digital currency, the account behavior user provides the bank wallet for storing the digital currency, and the exchange is performed based on the bank account of the user bound wallet, the digital currency wallet and the exchange process are completely integrated into the existing bank system, so that the digital currency can be widely applied to various aspects of the national democratics, and the possibility of the narrow bank is reduced; because the technical means of carrying out strict identity authentication and digital signature verification on the user and the account is adopted, the safety of transaction is ensured; the exchange process, the digital currency and the owner of the digital currency are controlled by a bank system, so that the real-name management of the digital currency and the tracking of the transaction process are realized, and the digital currency is prevented from being utilized by lawbreakers.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (11)
1. A method for realizing digital currency conversion deposit based on digital currency is characterized by comprising the following steps:
the account bank system carries out identity authentication on the user according to the bank account information input by the user;
the account bank system receives a digital currency conversion deposit request provided by a user through identity authentication, generates a digital currency transfer request based on the digital currency conversion deposit request, and sends the digital currency transfer request to the money-issuing line digital currency system; the digital currency conversion deposit request carries conversion amount information, and the digital currency conversion request carries information of digital currency of which the owner is the user and the amount is not less than the conversion amount; the digital currency is an encrypted string comprising an amount of the digital currency, an issuer identification, and an owner identification;
the account bank system acquires transfer confirmation information returned by the bank-note-issuing line digital currency system; wherein the transfer confirmation information includes: information of a destine currency which is generated by taking the digital currency as a source currency and takes an owner as an account bank, wherein the amount of the destine currency is equal to the exchange amount;
the account bank system transfers the going currency to an account bank digital currency bank, and the exchange amount is added to the authentication bank account of the user; wherein the account bank comprises a commercial bank.
2. The method of claim 1, wherein the digital currency of which the owner is the user and of which the amount is not less than the converted amount is deposited in the user's bank wallet.
3. The method of claim 2, wherein when the amount of the source currency is greater than the redemption amount, the transfer confirmation message further comprises: information generated by taking the digital currency as a source currency and taking an owner as a destination currency of the user; wherein the amount of the destine currency is the difference between the amount of the source currency and the exchange amount; after the obtaining of the transfer confirmation information returned by the bank note dispensing line digital money system, the method further comprises:
and transferring the outgoing currency which is generated by taking the digital currency as the source currency and takes the owner as the user to the bank wallet of the user.
4. The method of claim 1, wherein the digital currency conversion credit request further carries: an identification of the user's designated bank account, an identification of the user's bank wallet, and a digital signature of the user; after the receiving of the user-provided digital currency exchange deposit request by the identity authentication, the method further comprises:
verifying the digital signature of the user;
after the verification is passed, judging whether the identification of the specified bank account of the user is consistent with the identification of the authentication bank account of the user, and judging whether the identification of the bank wallet of the user is consistent with the identification of the bank wallet bound with the authentication bank account of the user;
and when the judgment results are all yes, judging whether the available amount of the bank wallet of the user is not less than the exchange amount: if so, generating a digital currency transfer request based on the digital currency conversion deposit request.
5. The method of any of claims 1 to 4, wherein the digital money transfer request further carries: the system comprises an account line identifier, an account line digital currency bank base identifier, an account line digital signature, a user identifier, an identifier of a user's bank wallet and a digital signature of the user's bank wallet, and is used for verifying by a money-issuing line digital currency system after the money-issuing line digital currency system receives the digital currency transfer request.
6. A system for realizing digital currency exchange deposit based on digital currency is applied to an account bank system; it is characterized by comprising:
the authentication system is used for authenticating the identity of the user according to the bank account information input by the user;
the application system is used for receiving and forwarding a digital currency exchange deposit request provided by a user through identity authentication; wherein the digital currency conversion deposit request carries conversion amount information; the digital currency is an encrypted string comprising an amount of the digital currency, an issuer identification, and an owner identification;
a currency system for generating a digital money transfer request based on the digital money exchange deposit request forwarded by the application system, sending the digital money transfer request to a money-issuing digital currency system; acquiring transfer confirmation information returned by the money sending line digital money system; wherein the digital money transfer request carries information of digital money of which the owner is the user and the money amount is not less than the exchange money amount, and the transfer confirmation information includes: information of a destine currency which is generated by taking the digital currency as a source currency and takes an owner as an account bank, wherein the amount of the destine currency is equal to the exchange amount; the money system is further used for transferring the going currency to an account bank digital money bank after acquiring the transfer confirmation information;
the account system is used for adding the exchange amount to the authentication bank account of the user according to the transfer confirmation information; wherein the account bank comprises a commercial bank.
7. A system for enabling digital currency conversion deposit based on digital currency according to claim 6 wherein the digital currency of which the owner is the user and the amount is not less than the conversion amount is deposited in the user's bank wallet.
8. A system for enabling digital currency exchange credit based on digital currency according to claim 7, wherein when the source currency amount is greater than the exchange amount, the transfer confirmation information further comprises: information generated by taking the digital currency as a source currency and taking an owner as a destination currency of the user; wherein the amount of the destine currency is the difference between the amount of the source currency and the exchange amount; the currency system is further configured to:
and after the transfer confirmation information returned by the money-sending line digital currency system is acquired, transferring the outgoing currency which is generated by taking the digital currency as the source currency and is taken as the user by the owner to the bank wallet of the user.
9. A system for enabling digital currency exchange credit based on digital currency according to claim 6, wherein the digital currency exchange credit request further carries: an identification of the user's designated bank account, an identification of the user's bank wallet, and a digital signature of the user;
the application system is further configured to: verifying a digital signature of the user after the receiving of the digital currency exchange deposit request provided by the user passing the identity authentication; after the verification is passed, judging whether the identification of the specified bank account of the user is consistent with the identification of the authentication bank account of the user, and judging whether the identification of the bank wallet of the user is consistent with the identification of the bank wallet bound with the authentication bank account of the user;
the currency system is further configured to: and when the judgment results of the application system are all yes, judging whether the available amount of the bank wallet of the user is not less than the exchange amount: if so, generating a digital currency transfer request based on the digital currency conversion deposit request.
10. A system for enabling digital currency conversion credit based on digital currency according to any one of claims 6 to 9, wherein the digital currency transfer request further carries: the system comprises an account line identifier, an account line digital currency bank base identifier, an account line digital signature, a user identifier, an identifier of a user's bank wallet and a digital signature of the user's bank wallet, and is used for verifying by a money-issuing line digital currency system after the money-issuing line digital currency system receives the digital currency transfer request.
11. A computer-readable storage medium having computer instructions stored thereon, the computer instructions being executable by a computer or a computer system to cause the computer or computer system to perform the method of any one of claims 1 to 5.
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| US20190213584A1 (en) * | 2018-01-11 | 2019-07-11 | Mastercard International Incorporated | Method and system for tokenized replacement of crypto currency addresses |
| CN108833110B (en) * | 2018-05-27 | 2021-12-07 | 北京轻松筹信息技术有限公司 | Digital asset processing method and device |
| CN109670799A (en) * | 2018-11-12 | 2019-04-23 | 江苏南大安高区块链应用技术研究院有限公司 | A kind of implementation method and device of secure digital currency hardware wallet |
| CN109636601B (en) * | 2018-11-30 | 2023-04-07 | 无锡井通网络科技有限公司 | Digital asset management system |
| CN110189135A (en) * | 2019-05-17 | 2019-08-30 | 杭州宇链科技有限公司 | A method of the raising digital cash based on block chain is credible |
| CN110473360A (en) * | 2019-08-08 | 2019-11-19 | 上海和数软件有限公司 | Settlement method, system, terminal and computer readable storage medium |
| CN110827146A (en) * | 2019-10-23 | 2020-02-21 | 支付宝(杭州)信息技术有限公司 | Method and device for executing digital currency transaction and electronic equipment |
| CN111680994B (en) * | 2020-06-08 | 2023-09-19 | 青岛有容信息科技有限公司 | Fund coding tracking method and device, computer equipment and readable storage medium |
| CN114677816B (en) * | 2021-08-02 | 2023-09-08 | 中国人民银行数字货币研究所 | Digital currency deposit and withdrawal machine |
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