CN108133369A - A kind of digital cash exchanging method and system - Google Patents
A kind of digital cash exchanging method and system Download PDFInfo
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- CN108133369A CN108133369A CN201711463616.2A CN201711463616A CN108133369A CN 108133369 A CN108133369 A CN 108133369A CN 201711463616 A CN201711463616 A CN 201711463616A CN 108133369 A CN108133369 A CN 108133369A
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- 238000000034 method Methods 0.000 title claims abstract description 31
- 238000012546 transfer Methods 0.000 claims abstract description 155
- 230000008859 change Effects 0.000 claims description 103
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 12
- 239000010931 gold Substances 0.000 claims description 12
- 229910052737 gold Inorganic materials 0.000 claims description 12
- 238000012790 confirmation Methods 0.000 claims description 11
- 230000007704 transition Effects 0.000 claims description 8
- 230000007246 mechanism Effects 0.000 abstract description 12
- 230000008569 process Effects 0.000 abstract description 10
- 238000005516 engineering process Methods 0.000 abstract description 6
- 238000006243 chemical reaction Methods 0.000 abstract description 5
- 230000004807 localization Effects 0.000 abstract description 4
- 238000003032 molecular docking Methods 0.000 abstract description 4
- 238000012795 verification Methods 0.000 description 14
- 206010021703 Indifference Diseases 0.000 description 4
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- 230000005540 biological transmission Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000000605 extraction Methods 0.000 description 1
- 230000000977 initiatory effect Effects 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/381—Currency conversion
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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Abstract
The invention discloses a kind of digital cash exchanging method and systems, are related to field of computer technology.One specific embodiment of this method includes：Digital cash wallet terminal according to take coin information generation coin is taken to instruct；Digital cash wallet server-side takes the remaining sum fund of the coin amount of money to convert to the digital cash of the amount of money to be transferred according to coin is taken to instruct, by correspondence in wallet interlock account；The owner of the digital cash of the actual transfer amount of money is changed to take coin user by digital cash distribution registration end according to the coin amount of money and the amount of money to be transferred is taken to determine the actual transfer amount of money；The coin tandem table deposit of the digital cash of the actual transfer amount of money is taken coin user wallet to identify corresponding digital cash wallet by digital cash wallet terminal.Registration unit's system docking can be issued with digital cash; and binding is associated with traditional account system, localization safety protecting mechanism is provided, improves wallet operation and digital currency conversion process safety; wallet protection abilities are improved, digital cash really storage and directly transfer are provided.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of digital cash exchanging method and systems.
Background technology
In the digital economy epoch, innovative value caused by technology humanized power and competitiveness constantly quickly expedite the emergence of finance
Field various product form and the innovation of service so that the technology of stored value card and digital wallet is developed rapidly.
It is the aggregate ingress as bank card or the access of other card medias with the presence of a kind of stored value card, this wallet is
The cohesively managed of card function itself does not have practical wallet and the functions such as pays, but by the network payment inlet function of multiple cards
It is packaged, realizes that single entrance accesses, simplify the complexity of user Duo Ka operations.The function of this wallet is required for corresponding tune
The network application function that is specifically blocked with some is realized.This polymeric type stored value card does not have truly at last directly to be provided
Gold operation and the wallet of trading processing function.
Using bit coin as the private quasi- digital cash of the one kind developed based on block chain technology of representative, corresponding money
Bao Ze is mainly used for preserving private key, for carrying out signature transaction to the quasi- digital cash of individual recorded on chain.This kind of wallet is more
As an address or key safe deposit box.Itself does not have the store function to fund or assets.This kind of wallet is complete simultaneously
Anonymous, anyone can generate new wallet address, and pass through private key and digital asset is transferred to any address, once turn
It moves target and mistake occurs, then can not recover.
As it can be seen that existing electronization or digitized wallet, are all based on system of account, the function of wallet is account work(
The extension or wallet of energy are an entrance or medium for account access, therefore these wallets have relied on original account
System.
The existing scheme that digital cash is exchanged using electronization or digitized wallet, practical is all behind Accounting system
Transaction, wallet is not practical in itself to store any practical fund or assets, be intended only as background account system accounting data and
The front end displaying of function.
In process of the present invention is realized, inventor has found that at least there are the following problems in the prior art：
Do not have to interact between system with digital cash distribution registration unit and access mechanism；
It is not associated with, can not be got through with account with user real identification, shortage is merged with existing financial infrastructure, no
Can very well it be applied in existing financial service and transaction scene；
The mechanisms such as wallet service provider or business bank are excessively relied on safety protecting mechanism, wallet secure context exists not
Foot；
It can not realize that the practical storage keeping of digital cash, digital cash are really transferred directly to the functions such as wallet.
Invention content
In view of this, the embodiment of the present invention provides a kind of digital cash exchanging method and system, can be sent out with digital cash
Row registration unit system docking, and binding is associated with traditional account system, realize existing financial infrastructure and the indifference of user
Opposite sex experience peace, which slips over, crosses, and provides a whole set of localization safety protecting mechanism, does not depend on background system and other mechanisms, improve
Entire wallet operation and the safety of digital currency conversion process, improve the protection abilities of wallet, and can be based on completely solely
Vertical terminal wallet provides the true storage and directly transfer of digital cash.
To achieve the above object, one side according to embodiments of the present invention provides a kind of digital cash exchanging method.
A kind of digital cash exchanging method, including：Digital cash wallet terminal takes the generation of coin information to take coin according to input
Instruction, it is described that coin instruction is taken to include taking the coin amount of money, take the wallet mark of coin user and the information of wallet interlock account；Digital cash
Wallet server-side takes coin to instruct according to, the remaining sum fund of the coin amount of money will be taken to exchange described in correspondence in the wallet interlock account
Digital cash for the amount of money to be transferred；Digital cash distribution registration end takes the coin amount of money and the amount of money to be transferred to determine according to
The owner of the digital cash of the actual transfer amount of money is changed to described take coin user by the actual transfer amount of money；The number goods
Coin wallet terminal is after confirming that the owner of digital cash of the actual transfer amount of money takes coin user for described in, by the reality
It shifts and the wallet of coin user is taken to identify corresponding digital cash wallet described in the coin tandem table deposit of the digital cash of the amount of money.
Optionally, digital cash wallet terminal takes coin information to generate the step of coin is taken to instruct according to input, including：It is described
Digital cash wallet terminal determines described coin user to be taken to pass through authentication by local security module；The digital cash wallet
Terminal takes coin is input by user the generation of coin information is taken to unsign coin is taken to instruct according to, then passes through the local security module
Coin instruction signature is taken to described unsign, coin to be taken to instruct described in generation.
Optionally, digital cash wallet server-side takes coin to instruct according to, will correspond to institute in the wallet interlock account
The step of remaining sum fund of the coin amount of money is taken to convert to the digital cash of the amount of money to be transferred is stated, including：The digital cash wallet clothes
Business end takes coin to instruct according to, and the remaining sum fund that the coin amount of money is taken described in corresponding to is reduced to the wallet interlock account；The number
Word currency wallet server-side takes the coin amount of money according to, matches number from digital cash safe deposit box according to preset matching rule
Currency, the obtained amount of money of effective digital currency that matches is the amount of money to be transferred.
Optionally, digital cash distribution registration end takes the coin amount of money and the amount of money to be transferred to determine actual transfer according to
The owner of the digital cash of the actual transfer amount of money is changed to described the step of taking coin user by the amount of money, including：The number
Whether note issuance registration end takes the coin amount of money and the amount of money to be transferred consistent described in judging；The digital cash distribution registration end
According to the judgement as a result, determining the actual transfer amount of money according to preset digital cash transition strategy and giving the amount of money for change；It is described
Digital cash distribution registration end by the owner of the digital cash of the actual transfer amount of money be changed to it is described take coin user and,
The owner of the digital cash for giving the amount of money for change is changed to the digital cash wallet server-side.
Optionally, the owner of the digital cash of the actual transfer amount of money is changed to by the digital cash distribution registration end
It is described take coin user and, the owner of the digital cash for giving the amount of money for change is changed to the digital cash wallet server-side
The step of, including：The coin tandem table of the digital cash of the amount of money to be transferred is cancelled at the digital cash distribution registration end, and
Generate the digital cash of the actual transfer amount of money coin tandem table and, give the coin of the digital cash of the amount of money described in generation for change
Tandem table；The digital cash distribution registration end determines the owner of the coin tandem table of the digital cash of the actual transfer amount of money
For it is described take coin user and, the owner of the coin tandem table of the digital cash for giving the amount of money for change is determined as the digital goods
Coin wallet server-side.
Optionally, the digital cash distribution registers end according to the judgement as a result, turning according to preset digital cash
The step of moving the determining actual transfer amount of money of strategy and giving the amount of money for change, including：Sentence according at the digital cash distribution registration end
It is disconnected as a result, determine the actual transfer amount of money according to maximum possible strategy and give the amount of money for change, wherein：When it is described take the coin amount of money with it is described
When the amount of money to be transferred is consistent, the digital cash distribution registration end determines that the actual transfer amount of money takes the coin amount of money, institute to be described
It is zero to state and give the amount of money for change；When it is described take the coin amount of money and the inconsistent amount of money to be transferred when, the digital cash distribution registration end
It is the minimum value taken among the coin amount of money and described amount of money the two to be transferred to determine the actual transfer amount of money, also, if
Described that the coin amount of money is taken to be more than the amount of money to be transferred, then it is zero to give the amount of money for change described in confirmation；If described take the coin amount of money to be less than institute
State the amount of money to be transferred, it is determined that the amount of money of giving for change is the amount of money to be transferred and the difference for taking the coin amount of money.
Optionally, the digital cash distribution registers end according to the judgement as a result, turning according to preset digital cash
The step of moving the determining actual transfer amount of money of strategy and giving the amount of money for change, including：Sentence according at the digital cash distribution registration end
It is disconnected as a result, according to the determining actual transfer amount of money of maximum precisely strategy and give the amount of money for change, wherein：When it is described take the coin amount of money with it is described
When the amount of money to be transferred is consistent, the digital cash distribution registration end determines that the actual transfer amount of money takes the coin amount of money, institute to be described
It is zero to state and give the amount of money for change；When it is described take the coin amount of money and the inconsistent amount of money to be transferred when, if described take the coin amount of money to be less than institute
The amount of money to be transferred is stated, then the digital cash distribution registration end determines that the actual transfer amount of money takes the coin amount of money, and institute to be described
It states and gives the amount of money for change as the amount of money to be transferred and the difference for taking the coin amount of money；If described take the coin amount of money more than described to be transferred
The amount of money, it is determined that the actual transfer amount of money and the amount of money of giving for change are zero.
Optionally, the owner of the digital cash of the actual transfer amount of money is changed to by the digital cash distribution registration end
It is described take coin user and, the owner of the digital cash for giving the amount of money for change is changed to the digital cash wallet server-side
The step of after, including：The digital cash wallet server-side takes coin user's according to the actual transfer amount of money described in update
The remaining sum fund of wallet interlock account, and updated in the digital cash wallet server-side safe deposit box according to the amount of money of giving for change
The digital cash amount of money.
Another aspect according to embodiments of the present invention provides a kind of digital cash exchange system.
A kind of digital cash exchange system, including：Digital cash wallet terminal, digital cash wallet server-side, digital goods
Coin distribution registration end, wherein：The digital cash wallet terminal is used to take the generation of coin information that coin is taken to instruct according to input, described
Coin instruction is taken to include taking the coin amount of money, take the wallet mark of coin user and the information of wallet interlock account；The digital cash wallet
Server-side is used to coin be taken to instruct according to, the remaining sum fund of the coin amount of money will be taken to exchange described in correspondence in the wallet interlock account
Digital cash for the amount of money to be transferred；Digital cash distribution registration end is used to taking the coin amount of money and described to be transferred according to
The amount of money determines the actual transfer amount of money, and the owner of the digital cash of the actual transfer amount of money is changed to described to take coin user；Institute
Digital cash wallet terminal is stated to be additionally operable to take coin user to be described in the owner for confirming the digital cash of the actual transfer amount of money
Later, the wallet of coin user will be taken to identify corresponding number described in the deposit of the coin tandem table of the digital cash of the actual transfer amount of money
Word currency wallet.
Optionally, the digital cash wallet terminal is additionally operable to：It determines described coin user to be taken to lead to by local security module
Cross authentication；It takes coin is input by user the generation of coin information is taken to unsign coin is taken to instruct according to described, then passes through the local
Security module takes coin instruction signature to described unsign, coin to be taken to instruct described in generation.
Optionally, the digital cash wallet server-side is additionally operable to：Coin is taken to instruct according to described, account is associated with to the wallet
Reduce the remaining sum fund that the coin amount of money is taken described in correspondence in family；The coin amount of money is taken according to described, according to preset matching rule from digital goods
Digital cash is matched in coin safe deposit box, the obtained amount of money of effective digital currency that matches is the amount of money to be transferred.
Optionally, the digital cash distribution registration end is additionally operable to：The coin amount of money and the amount of money to be transferred are taken described in judgement
It is whether consistent；According to the judgement as a result, determining the actual transfer amount of money according to preset digital cash transition strategy and giving for change
The amount of money；By the owner of the digital cash of the actual transfer amount of money be changed to it is described take coin user and, give the amount of money for change by described
The owner of digital cash be changed to the digital cash wallet server-side.
Optionally, the digital cash distribution registration end is additionally operable to：By the coin string of the digital cash of the amount of money to be transferred
List is cancelled, and generate the digital cash of the actual transfer amount of money coin tandem table and, give the number of the amount of money described in generation for change
The coin tandem table of word currency；The owner of the coin tandem table of the digital cash of the actual transfer amount of money is determined as described coin to be taken to use
Family and, the owner of the coin tandem table of the digital cash for giving the amount of money for change is determined as the digital cash wallet server-side.
Optionally, the digital cash distribution registration end is additionally operable to：According to the judgement as a result, according to maximum possible plan
It slightly determines the actual transfer amount of money and gives the amount of money for change, wherein：When it is described take the coin amount of money consistent with the amount of money to be transferred when, the number
Word note issuance registration end determines that the actual transfer amount of money takes the coin amount of money to be described, and the amount of money of giving for change is zero；It is taken when described
When the coin amount of money and the inconsistent amount of money to be transferred, the digital cash distribution registration end determines the actual transfer amount of money for institute
It states and takes the coin amount of money and the minimum value among described amount of money the two to be transferred, also, if described take the coin amount of money to wait to turn more than described
The amount of money is moved, then it is zero to give the amount of money for change described in confirmation；If described take the coin amount of money to be less than the amount of money to be transferred, it is determined that described to look for
The amount of money is returned as the amount of money to be transferred and the difference for taking the coin amount of money.
Optionally, the digital cash distribution registration end is additionally operable to：According to the judgement as a result, according to maximum accurate plan
It slightly determines the actual transfer amount of money and gives the amount of money for change, wherein：When it is described take the coin amount of money consistent with the amount of money to be transferred when, the number
Word note issuance registration end determines that the actual transfer amount of money takes the coin amount of money to be described, and the amount of money of giving for change is zero；It is taken when described
When the coin amount of money and the inconsistent amount of money to be transferred, if described take the coin amount of money to be less than the amount of money to be transferred, the number
Note issuance registration end determines that the actual transfer amount of money takes the coin amount of money to be described, and the amount of money of giving for change is the gold to be transferred
Volume and the difference for taking the coin amount of money；If described take the coin amount of money to be more than the amount of money to be transferred, it is determined that the actual transfer
The amount of money and the amount of money of giving for change are zero.
Optionally, the digital cash wallet server-side is additionally operable to：According to the actual transfer amount of money, coin is taken described in update
The remaining sum fund of the wallet interlock account of user, and the digital cash wallet server-side keeping is updated according to the amount of money of giving for change
The digital cash amount of money in case.
One embodiment in foregoing invention has the following advantages that or advantageous effect：Digital cash wallet terminal is according to input
Take coin information generation coin is taken to instruct, take coin instruction include take the coin amount of money, take coin user wallet identify and wallet interlock account
Information；Digital cash wallet server-side takes coin to instruct according to, by the remaining sum for taking the coin amount of money corresponding in wallet interlock account
Fund converts to the digital cash of the amount of money to be transferred；Digital cash distribution registration end is according to taking the coin amount of money and the amount of money to be transferred to determine
The owner of the digital cash of the actual transfer amount of money is changed to take coin user by the actual transfer amount of money；Digital cash wallet terminal exists
The owner for confirming the digital cash of the actual transfer amount of money is after taking coin user, by the coin string of the digital cash of the actual transfer amount of money
List deposit takes the wallet of coin user to identify corresponding digital cash wallet.Registration unit's system pair can be issued with digital cash
It connects, and binding is associated with traditional account system, realize the indifference sexual experience of existing financial infrastructure and user and smoothed
It crosses, a whole set of localization safety protecting mechanism is provided, does not depend on background system and other mechanisms, improve entire wallet operation sum number
The safety of word currency conversion process improves the protection abilities of wallet, and can be based on completely self-contained terminal wallet, provides
The true storage and directly transfer of digital cash.
Further effect adds hereinafter in conjunction with specific embodiment possessed by above-mentioned non-usual optional mode
With explanation.
Description of the drawings
Attached drawing does not form inappropriate limitation of the present invention for more fully understanding the present invention.Wherein：
Fig. 1 is the key step schematic diagram of digital cash exchanging method according to embodiments of the present invention；
Fig. 2 is the main modular schematic diagram of digital cash exchange system according to embodiments of the present invention.
Specific embodiment
It explains below in conjunction with attached drawing to the exemplary embodiment of the present invention, 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
It arrives, various changes and modifications can be made to the embodiments described herein, without departing from scope and spirit of the present invention.Together
For clarity and conciseness, the description to known function and structure is omitted in sample in following description.
Fig. 1 is the key step schematic diagram of digital cash exchanging method according to embodiments of the present invention.
Digital cash in the embodiment of the present invention is exchanged, and can will take coin user by digital cash wallet server-side
Part or all of remaining sum fund in wallet interlock account is exchanged into digital cash, and will exchange successful digital cash from number
Currency wallet server-side is taken out, and is then stored in the process of the digital cash wallet of user.Therefore, " taking coin " of the invention is not
Digital cash extraction in the narrow sense, but represent the meaning that above-mentioned digital cash is exchanged.
As shown in Figure 1, the digital cash exchanging method of the embodiment of the present invention includes steps S101 to step S104.
Step S101：Digital cash wallet terminal takes the generation of coin information that coin is taken to instruct according to input.
Wherein, coin instruction is taken to include taking the coin amount of money, take the wallet mark of coin user and the information of wallet interlock account, may be used also
To include certificate etc..
Step S101 can specifically include：Digital cash wallet terminal determines that coin user is taken to pass through by local security module
Authentication；Coin is input by user to take the generation of coin information to unsign coin is taken to instruct to digital cash wallet terminal according to taking, Ran Houtong
It crosses local security module and takes coin instruction signature to unsigning, coin is taken to instruct with generation.
The local security module of the embodiment of the present invention can be used for safety certification, information encryption and decryption and the key pipe of user identity
Reason can also operate other hardware resources of digital cash wallet terminal and include IO (input and output), screen etc., be a safe bottom
Layer running environment.
Take coin user log in local digital currency wallet after, digital cash wallet terminal receive user selection take coin (with
All or part of remaining sum fund in the wallet interlock account of user exchanges digital cash) request of operation, and pass through local peace
Full module is to taking coin user to carry out authentication, if the authentication passes through, digital cash wallet terminal passes through local peace
Full module shows wallet mark to user, certificate, wallet interlock account information, to be confirmed takes the information such as the coin amount of money, and wait for use
Family confirms these information, and user takes the coin amount of money to the input of local security module, and confirm information that local security module shows it
Afterwards, the generation of digital cash wallet terminal, which is unsigned, takes coin to instruct, the wallet mark for taking coin instruction that can include taking coin user of unsigning
Knowledge, the information of wallet interlock account, by what user confirmed takes the coin amount of money, takes coin instruction information etc. certificate.Digital cash wallet
Terminal takes coin instruction to sign by local security module using above-mentioned unsign of wallet key pair, then will take coin instruction hair
It is sent to digital cash wallet server-side.
It is input by user that coin information is taken to include taking the coin amount of money and the confirmation to above-mentioned local security module displayed information
Information, user may also select whether that (i.e. wallet interlock account is remaining for inquiry interlock account remaining sum before input takes coin information
Volume), it such as inquires, then performs digital cash wallet interlock account querying flow.
Step S102：Digital cash wallet server-side takes the coin amount of money according to coin is taken to instruct, by correspondence in wallet interlock account
Remaining sum fund convert to the digital cash of the amount of money to be transferred.
The amount of money to be transferred is to treat from the digital cash safe deposit box of digital cash wallet server-side (can abbreviation safe deposit box) transfer
To the amount of money for taking the digital cash in the digital cash wallet of coin user.
Step S102 can specifically include：Digital cash wallet server-side buckles wallet interlock account according to coin is taken to instruct
Subtract the remaining sum fund that the coin amount of money is taken described in corresponding to, and according to the coin amount of money is taken, taken care of according to preset matching rule from digital cash
Digital cash is matched in case, wherein, the amount of money of effective digital currency which obtains is the amount of money to be transferred.Effective digital currency
Refer to the digital cash coin string not cancelled by digital cash distribution registration unit.
Digital cash wallet server-side receive take coin instruct after, first verify that take coin instruct signing messages,
By rear, the account association wallet mark that confirmation has been deposited identifies whether one with the account in coin instruction is taken to be associated with wallet for signature verification
It causes, if unanimously, the corresponding remaining sum fund for taking the coin amount of money is reduced to wallet interlock account, in the button for having performed the remaining sum fund
After subtracting, obtain that coin is taken to withhold as a result, take coin withhold result can include take coin instruction, deducted amount, account of withholing, withhold before
Remaining sum, withhold after remaining sum etc..
Digital cash wallet server-side is taken care of by preset matching rule from the digital cash of digital cash wallet server-side
The coin tandem table of digital cash is matched in case, and increases wallet service provider safe deposit box mark and certificate in coin is taken to instruct, to make
Security verification to shift the source of digital cash and for shifting digital cash source.Wherein, preset matching rule can
With sets itself according to demand, such as can work as to have coin tandem table corresponding with taking the coin amount of money in digital cash safe deposit box
When, then matching obtains corresponding to the coin tandem table for taking the coin amount of money, during if there is no coin tandem table corresponding with taking the coin amount of money, then
The coin tandem table of minimum dollar amount is matched among the amount of money of coin tandem table that the coin amount of money is taken more than this, if digital cash safe deposit box
In all coin tandem tables the amount of money be less than take the coin amount of money, then can according to preset demand to digital cash issue tell-table
The system of structure please lead digital cash or end number currency conversion flow, wherein, digital cash i.e. digital cash wallet please be lead
Server-side is to the process of the new digital cash coin string of system application of digital cash distribution registration unit, the number that please specifically receive
Amount of currency can be more than, less than or equal to the coin amount of money is taken, the digital cash amount of money that please specifically receive and preset number
The digital cash of currency wallet server-side please lead amount related.Wherein, the concrete form of digital cash is encrypted character string, i.e.,
Each encrypted characters string is a coin string, the coin tandem table for the i.e. digital cash of list that multiple coin strings are composed.
Digital cash wallet server-side issues registration end after aforesaid operations are completed, to digital cash and sends digital cash
Transfer request, to initiate digital cash transfer operation.The digital cash transfer request includes coin is taken to instruct, source wallet service provider
Safe deposit box mark, certificate and whereabouts wallet mark, certificate etc., wherein, source wallet service provider safe deposit box, that is, digital cash money
The digital cash safe deposit box of packet server-side, whereabouts wallet mark take the wallet of coin user to identify.
Step S103：Digital cash distribution registration end according to the coin amount of money and the amount of money to be transferred is taken to determine the actual transfer amount of money,
The owner of the digital cash of the actual transfer amount of money is changed to take coin user.
Digital cash distribution registration end receive digital cash transfer request that digital cash wallet server-side sends it
Afterwards, verification takes the signature that coin instructs, and verifies and take the wallet mark in coin instruction and the whereabouts among digital cash transfer request
Wallet identifies whether that unanimously by rear, digital cash distribution registration end judges to take the coin amount of money and the amount of money to be transferred for above-mentioned verification
It is whether consistent, and according to judgement as a result, determining the actual transfer amount of money according to preset digital cash transition strategy and giving gold for change
Volume, by the owner of the digital cash of the actual transfer amount of money be changed to take coin user and, the category of the digital cash of the amount of money will be given for change
Main transformer more digital cash wallet server-side.Wherein, it gives for change in amount of money digital cash i.e. to be transferred except actual transfer is to taking coin
The amount of money of remaining digital cash except the digital cash wallet of user (is looked for since the remaining digital cash needs to return
Return) to the digital cash safe deposit box of digital cash wallet server-side, therefore, the amount of money of the remaining digital cash can be described as looking for
Return the amount of money.
In embodiment one, digital cash distribution registration end is according to judgement as a result, turning according to preset digital cash
The step of moving the determining actual transfer amount of money of strategy and giving the amount of money for change, can specifically include：Digital cash distribution registration end is according to sentencing
It is disconnected as a result, determine the actual transfer amount of money according to maximum possible strategy and give the amount of money for change, wherein：When taking the coin amount of money and gold to be transferred
When volume is consistent, digital cash distribution registration end determines the actual transfer amount of money to take the coin amount of money, and it is zero to give the amount of money for change；When taking the coin amount of money
With the amount of money to be transferred it is inconsistent when, digital cash distribution registration end determines the actual transfer amount of money to take the coin amount of money and the amount of money to be transferred
Minimum value among the two, also, if the coin amount of money is taken to be more than the amount of money to be transferred, it is zero that the amount of money is given in confirmation, which for change,；If take coin
The amount of money is less than the amount of money to be transferred, it is determined that gives the amount of money for change as the amount of money to be transferred and the difference for taking the coin amount of money.Using maximum possible plan
Slightly so that when the coin amount of money is taken to be mismatched with the amount of money to be transferred, the minimum value among the two is taken, to complete this time to pay as far as possible
Operation.It should be noted that the amount of money to be transferred is the corresponding amount of money of coin tandem table of effective digital cash.
In embodiment two, digital cash distribution registration end is according to judgement as a result, turning according to preset digital cash
The step of moving the determining actual transfer amount of money of strategy and giving the amount of money for change, can specifically include：Digital cash distribution registration end is according to sentencing
It is disconnected as a result, according to the determining actual transfer amount of money of maximum precisely strategy and give the amount of money for change, wherein：When taking the coin amount of money and gold to be transferred
When volume is consistent, digital cash distribution registration end determines the actual transfer amount of money to take the coin amount of money, and it is zero to give the amount of money for change；When taking the coin amount of money
With the amount of money to be transferred it is inconsistent when, if take the coin amount of money be less than the amount of money to be transferred, digital cash distribution registration end determine reality
The transfer amount of money gives the amount of money for change as the amount of money to be transferred and the difference for taking the coin amount of money to take the coin amount of money；If the coin amount of money is taken to be more than to treat
Shift the amount of money, it is determined that the actual transfer amount of money and to give the amount of money for change be zero.It is zero to determine the actual transfer amount of money and give the amount of money for change,
The operation of owner's change is not carried out to the digital cash of the amount of money to be transferred, and the digital cash of the amount of money to be transferred is returned to
In the digital cash safe deposit box of digital cash wallet server-side.It is using maximum precisely strategy so as to be transferred the coin amount of money is taken to be more than
During the amount of money, when secondary transfer operation failure, end number currency transfer flow, and the digital cash of the amount of money to be transferred is all retracted
Digital cash safe deposit box and output digital cash to digital cash wallet server-side exchange the notification message of failure.
Digital cash distribution registration end by the owner of the digital cash of the actual transfer amount of money be changed to take coin user and,
The step of owner for the digital cash for giving the amount of money for change is changed to digital cash wallet server-side, can specifically include：Digital goods
The coin tandem table of the digital cash of the amount of money to be transferred is cancelled, and generate the digital cash of the actual transfer amount of money at coin distribution registration end
Coin tandem table and, generation give for change the amount of money digital cash coin tandem table；Digital cash distribution registers end by actual transfer
The owner of the coin tandem table of the digital cash of the amount of money be determined as taking coin user and, the coin string of the digital cash of the amount of money will be given for change
The owner of list is determined as digital cash wallet server-side.Digital cash distribution registration end complete simultaneously above-mentioned old coin cancel,
The ownership of the new coin of generation is set, and completes corresponding registration (the ownership transinformation for registering digital cash) and synchronized update number
Then the process of word currency right alteration takes coin to shift implementing result (i.e. digital cash to the return of digital cash wallet server-side
Shift implementing result), take coin transfer implementing result that can specifically include execution state (such as the failure that runs succeeded/perform), reality
The transfer amount of money in border makees waste and old coin tandem table, is transferred to and takes the new coin list of coin user's wallet, give digital cash wallet server-side for change
New coin list of digital cash safe deposit box etc..
After the reception of digital cash wallet server-side takes coin transfer implementing result, verification digital cash distribution registration unit label
Name and the confirmation actual transfer amount of money are with making waste and old coin tandem table and giving the poor consistent of the new coin list amount of money for change, and complete to number
The operation for giving new coin list for change that the storage of word currency safe deposit box receives.Wherein, digital cash distribution registration unit signature is distribution
It is added in digital cash when new coin (generating digital cash coin string).
Digital cash distribution registration end by the owner of the digital cash of the actual transfer amount of money be changed to take coin user and,
After the owner for the digital cash for giving the amount of money for change is changed to digital cash wallet server-side, digital cash wallet server-side may be used also
It is such as inconsistent to verify that the actual transfer amount of money takes the coin amount of money whether consistent with taking in coin instruction, then update wallet interlock account
Withhold after remaining sum, and according to the actual transfer amount of money, update takes the remaining sum fund of the wallet interlock account of coin user, while by number
The actual transfer result notice of word currency updates digital goods to the digital cash wallet of corresponding user and according to the amount of money is given for change
The digital cash amount of money in coin wallet server-side safe deposit box.
Step S104：Digital cash wallet terminal is in the owner for confirming the digital cash of the actual transfer amount of money to take coin user
Later, the wallet for the deposit of the coin tandem table of the digital cash of the actual transfer amount of money being taken coin user identifies corresponding digital cash money
Packet.
The digital cash wallet terminal authentication actual transfer amount of money and being transferred to take the new coin list amount of money of coin user's wallet whether one
It causes, after this is verified, and completes to the operation for being transferred to new coin tandem table that the storage of coin user wallet is taken to receive.Finally, number
Word currency wallet terminal takes coin operating result to coin user is taken to show, the information of display includes execution state (success/failure), real
The transfer amount of money in border is transferred to and takes the new coin list of coin user's wallet, coin is taken to withhold result etc..
The digital cash exchanging method of the embodiment of the present invention can issue registration unit system docking with digital cash, and with
The association binding of traditional account system, realizes the indifference sexual experience of existing financial infrastructure and user and seamlessly transits, provide
A whole set of localization safety protecting mechanism, does not depend on background system and other mechanisms, improves entire wallet operation and digital cash
The safety of redemption process improves the protection abilities of wallet, and can be based on completely self-contained terminal wallet, provides digital goods
The true storage and directly transfer of coin.
Fig. 2 is the main modular schematic diagram of digital cash exchange system according to embodiments of the present invention.
The digital cash exchange system 200 of the embodiment of the present invention mainly includes：Digital cash wallet terminal 201, digital goods
Coin wallet server-side 202, digital cash distribution registration end 203.
Digital cash wallet terminal 201, for taking the generation of coin information that coin is taken to instruct according to input.
Coin instruction is taken to include taking the coin amount of money, take the wallet mark of coin user and the information of wallet interlock account etc..
Digital cash wallet terminal 201 is specifically used for determining that coin user is taken to pass through authentication by local security module；
Coin is input by user to take the generation of coin information to unsign coin is taken to instruct according to taking, and then takes coin to unsigning by local security module
Instruction signature takes coin to instruct with generation.
Digital cash wallet terminal 201 can specifically include terminal operating system, terminal security module (i.e. local security mould
Block), terminal wallet contract function execution module.
After taking coin user login local digital currency wallet, digital cash wallet terminal passes through terminal wallet contract function
Execution module receives user's selection and coin is taken (to exchange digital goods with all or part of remaining sum fund in the wallet interlock account of user
Coin) operation request, and pass through local security module to take coin user carry out authentication, if the authentication passes through,
Digital cash wallet terminal shows wallet mark to user by local security module, certificate, wallet interlock account information, treats really
Recognize and take the information such as the coin amount of money, and user is waited for confirm these information, user takes the coin amount of money, and confirm to the input of local security module
After the information that local security module is shown, the generation of digital cash wallet terminal, which is unsigned, takes coin to instruct, and unsigns and coin is taken to instruct
The wallet mark of coin user can be included taking, certificate, the information of wallet interlock account, by what user confirmed the coin amount of money is taken, take
Coin instruction information etc..Digital cash wallet terminal takes coin to instruct by local security module using above-mentioned unsign of wallet key pair
It signs, local security module takes coin instruction to be sent to terminal wallet contract function execution module, terminal wallet by signature
The verification of contract function execution module takes the signing messages that coin instructs, and then will take coin by terminal wallet contract function execution module
Instruction is sent to digital cash wallet server-side.
It is input by user that coin information is taken to include taking the coin amount of money and the confirmation to above-mentioned local security module displayed information
Information, user may also select whether inquiry interlock account remaining sum, such as inquire, then perform number before input takes coin information
Currency wallet interlock account querying flow.
Digital cash wallet server-side 202, for according to coin is taken to instruct, correspondence in wallet interlock account to be taken the coin amount of money
Remaining sum fund converts to the digital cash of the amount of money to be transferred.
Digital cash wallet server-side 202 is specifically used for：According to coin is taken to instruct, correspondence is reduced to wallet interlock account and takes coin
The remaining sum fund of the amount of money；According to the coin amount of money is taken, digital cash is matched from digital cash safe deposit box according to preset matching rule,
It is the amount of money to be transferred to match the obtained amount of money of effective digital currency.
Digital cash wallet server-side 202 can specifically include wallet service system, authentication center, digital cash core system
System, account core system.Digital cash wallet server-side 202 can be digital cash wallet facilitator system.
The wallet service system of digital cash wallet server-side 202 receives what terminal wallet contract function execution module was sent
Coin is taken to instruct, verification takes the signing messages that coin instructs, and in signature verification by rear, presses the coin amount of money and is sent to account core system
Coin is taken to withhold request (can include take coin instruction, deducted amount etc.).After the verification of account core system takes coin instruction, confirm
After the account deposited is associated with the mark of wallet and the wallet in coin instruction is taken to identify unanimously, account balance is reduced by deducted amount.Money
Packet service system reception coin is taken to withhold as a result, and to digital cash core system send signature coin is taken to instruct, initiation press coin
The amount of money sends digital cash transfer request.The verification of digital cash core system takes the signing messages that coin instructs, by preset matching
Rule matches corresponding coin tandem table from wallet service provider safe deposit box, will take coin instruction increase wallet service provider safe deposit box mark and
Certificate, using the source as transfer digital cash and the security verification for shifting digital cash source.Digital cash core
System issues registration end 203 to digital cash and sends digital cash transfer request, which includes coin is taken to refer to
It enables, source wallet service provider safe deposit box mark, certificate and whereabouts wallet mark, certificate, wherein, source wallet service provider is protected
The digital cash safe deposit box of bobbin carriage, that is, digital cash wallet server-side, whereabouts wallet mark take the wallet of coin user to identify.
Digital cash distribution registration end 203 is used for according to the coin amount of money and the amount of money to be transferred is taken to determine the actual transfer amount of money, will
The owner of the digital cash of the actual transfer amount of money is changed to take coin user.
Digital cash distribution registration end 203 can be digital cash distribution register system, and digital cash issues register system
Including Register, the corresponding function at digital cash distribution registration end 203 can be performed by Register.
The Register at digital cash distribution registration end 203 specifically can be used for：Judgement takes the coin amount of money and the amount of money to be transferred
It is whether consistent；According to judgement as a result, determining the actual transfer amount of money according to preset digital cash transition strategy and giving the amount of money for change；
By the owner of the digital cash of the actual transfer amount of money be changed to take coin user and, the owner of the digital cash of the amount of money will be given for change
It is changed to digital cash wallet server-side.
In one embodiment, digital cash issues the Register for registering end 203 according to judgement as a result, according to most
It tactful may determine the actual transfer amount of money greatly and give the amount of money for change, wherein：When taking the coin amount of money consistent with the amount of money to be transferred, number
Word note issuance registration end determines the actual transfer amount of money to take the coin amount of money, and it is zero to give the amount of money for change；When taking the coin amount of money and gold to be transferred
When volume is inconsistent, digital cash distribution registration end determines that the actual transfer amount of money is to take among the coin amount of money and amount of money the two to be transferred
Minimum value, also, if the coin amount of money is taken to be more than the amount of money to be transferred, it is zero that the amount of money is given in confirmation, which for change,；If the coin amount of money is taken to be less than to treat
Shift the amount of money, it is determined that give the amount of money for change as the amount of money to be transferred and the difference for taking the coin amount of money.
In another embodiment, digital cash distribution registration end 203 Register according to judgement as a result, according to
Precisely strategy determines the actual transfer amount of money and gives the amount of money for change maximum, wherein：When taking the coin amount of money consistent with the amount of money to be transferred, number
Note issuance registration end determines the actual transfer amount of money to take the coin amount of money, and it is zero to give the amount of money for change；When taking the coin amount of money and the amount of money to be transferred
When inconsistent, if the coin amount of money is taken to be less than the amount of money to be transferred, digital cash distribution registration end determines the actual transfer amount of money to take
The coin amount of money, and the amount of money is given for change as the amount of money to be transferred and the difference for taking the coin amount of money；If the coin amount of money is taken to be more than the amount of money to be transferred, really
It is zero to determine the actual transfer amount of money and give the amount of money for change.It is zero to determine the actual transfer amount of money and give the amount of money for change, i.e., not to be transferred
The digital cash of the amount of money carries out the operation of owner's change, and the digital cash of the amount of money to be transferred is returned to digital cash wallet
In the digital cash safe deposit box of server-side.Using maximum precisely strategy so that when the coin amount of money is taken to be more than the amount of money to be transferred, when secondary
Transfer operation fails, end number currency transfer flow, and the digital cash of the amount of money to be transferred is all returned to digital cash
The digital cash safe deposit box and output digital cash of wallet server-side exchange the notification message of failure.
The owner of the digital cash of the actual transfer amount of money is changed to take by the Register at digital cash distribution registration end 203
Coin user and, the owner for the digital cash for giving the amount of money for change is changed to digital cash wallet server-side, specifically, digital goods
The Register at coin distribution registration end 203 is cancelled the coin tandem table of the digital cash of the amount of money to be transferred, and generate actual transfer
The coin tandem table of the digital cash of the amount of money and, generation give for change the amount of money digital cash coin tandem table；By the actual transfer amount of money
Digital cash coin tandem table owner be determined as taking coin user and, the coin tandem table of the digital cash of the amount of money will be given for change
Owner be determined as digital cash wallet server-side.
The Register at digital cash distribution registration end completes the power for the new coin that above-mentioned old coin cancels, setting generates simultaneously
Belong to, and complete the process that chain is really weighed in corresponding registration with synchronized update, then to the digital cash of digital cash wallet server-side 202
Core system return takes coin to shift implementing result, takes coin transfer implementing result that can specifically include execution state and (such as performs into
Work(/ perform failure), the actual transfer amount of money, make waste and old coin tandem table, be transferred to and take the new coin list of coin user's wallet, give number for change
New coin list of the digital cash safe deposit box of currency wallet server-side etc..
After the digital cash core system reception of digital cash wallet server-side 202 takes coin transfer implementing result, verification
Digital cash distribution registration unit's signature and the confirmation actual transfer amount of money are with making waste and old coin tandem table and giving new coin list gold for change
The difference of volume (giving the amount of money for change) is consistent, and completes the operation for giving new coin list for change received to the storage of digital cash safe deposit box.Number
Word currency core system takes coin to shift implementing result, the wallet service system verification actual transfer amount of money to the transmission of wallet service system
With coin is taken to instruct in take the coin amount of money whether consistent, it is such as inconsistent, then update remaining sum after the withholing of wallet interlock account, and according to
The actual transfer amount of money, update take the remaining sum fund of the wallet interlock account of coin user, while by the actual transfer knot of digital cash
Fruit notifies the digital cash wallet of corresponding user and updates digital cash wallet server-side safe deposit box according to the amount of money is given for change
In the digital cash amount of money.Wallet service system will take coin operating result (including performing state (success/failure), actual transfer
The amount of money, be transferred to take the new coin list of coin user's wallet, coin taken to withhold information such as result etc.) held back to terminal wallet contract function
Row module.
Digital cash wallet terminal 201 is additionally operable in the owner for confirming the digital cash of the actual transfer amount of money to take coin user
Later, the wallet for the deposit of the coin tandem table of the digital cash of the actual transfer amount of money being taken coin user identifies corresponding digital cash money
Packet.
The terminal wallet contract function execution module verification actual transfer amount of money of digital cash wallet terminal 201 takes with being transferred to
Whether the new coin list amount of money of coin user's wallet is consistent, after this is verified, and completes to the storage of coin user wallet is taken to receive
It is transferred to the operation of new coin tandem table.Finally, digital cash wallet terminal takes coin operating result to coin user is taken to show, the letter of display
Breath includes execution state (success/unsuccessfully), the actual transfer amount of money, is transferred to and takes the new coin list of coin user's wallet, coin is taken to withhold knot
Fruit etc..
In addition, the specific implementation content of digital cash exchange system in embodiments of the present invention, number goods described above
It has been described in detail in currency exchange method, therefore has no longer illustrated in this duplicate contents.
Technical solution according to embodiments of the present invention, digital cash wallet terminal take the generation of coin information to take coin according to input
Instruction takes coin instruction to include taking the coin amount of money, take the wallet mark of coin user and the information of wallet interlock account etc.；Digital cash money
Packet server-side takes coin to instruct according to, the remaining sum fund of the coin amount of money is taken to convert to gold to be transferred correspondence in wallet interlock account
The digital cash of volume；It digital cash distribution registration end, will be real according to the coin amount of money and the amount of money to be transferred is taken to determine the actual transfer amount of money
The owner of the digital cash of the border transfer amount of money is changed to take coin user；Digital cash wallet terminal is confirming the actual transfer amount of money
The coin tandem table deposit of the digital cash of the actual transfer amount of money is after taking coin user, is taken coin user's by the owner of digital cash
Wallet identifies corresponding digital cash wallet.Can issue registration unit system docking with digital cash, and with traditional account body
System's association binding, realizes the indifference sexual experience of existing financial infrastructure and user and seamlessly transits, provide a whole set of local
Change safety protecting mechanism, do not depend on background system and other mechanisms, improve entire wallet operation and digital currency conversion process
Safety improves the protection abilities of wallet, and can be based on completely self-contained terminal wallet, provides the true of digital cash and deposits
It puts and directly shifts.
Above-mentioned specific embodiment, does not form limiting the scope of the invention.Those skilled in the art should be bright
It is white, depending on design requirement and other factors, various modifications, combination, sub-portfolio and replacement can occur.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 (16)
1. a kind of digital cash exchanging method, which is characterized in that including：
Digital cash wallet terminal according to input take coin information generation coin is taken to instruct, it is described take coin instruction include take the coin amount of money,
Take the wallet mark of coin user and the information of wallet interlock account；
Digital cash wallet server-side takes coin to instruct according to, will take the coin amount of money described in correspondence in the wallet interlock account
Remaining sum fund converts to the digital cash of the amount of money to be transferred；
Digital cash distribution registration end takes the coin amount of money and the amount of money to be transferred to determine the actual transfer amount of money according to, by described in
The owner of the digital cash of the actual transfer amount of money takes coin user described in being changed to；
The digital cash wallet terminal takes coin user in the owner for confirming the digital cash of the actual transfer amount of money to be described
Later, the wallet of coin user will be taken to identify corresponding number described in the deposit of the coin tandem table of the digital cash of the actual transfer amount of money
Word currency wallet.
2. according to the method described in claim 1, it is characterized in that, digital cash wallet terminal takes coin information to give birth to according to input
Into the step of coin is taken to instruct, including：
The digital cash wallet terminal determines described coin user to be taken to pass through authentication by local security module；
The digital cash wallet terminal takes coin is input by user the generation of coin information is taken to unsign coin is taken to instruct according to, then
Coin instruction signature is taken to described unsign by the local security module, coin to be taken to instruct described in generation.
3. according to the method described in claim 1, it is characterized in that, digital cash wallet server-side takes coin to instruct according to,
The remaining sum fund for taking the coin amount of money in the wallet interlock account described in correspondence is converted to the step of the digital cash of the amount of money to be transferred
Suddenly, including：
The digital cash wallet server-side takes coin to instruct according to, and the wallet interlock account is reduced and takes coin described in corresponding to
The remaining sum fund of the amount of money；
The digital cash wallet server-side takes the coin amount of money according to, according to preset matching rule from digital cash safe deposit box
Middle matching digital cash, the obtained amount of money of effective digital currency that matches is the amount of money to be transferred.
4. according to the method described in claim 1, it is characterized in that, digital cash distribution registration end taken according to the coin amount of money with
The amount of money to be transferred determines the actual transfer amount of money, and the owner of the digital cash of the actual transfer amount of money is changed to described take
The step of coin user, including：
Whether the digital cash distribution registration end takes the coin amount of money and the amount of money to be transferred consistent described in judging；
The digital cash distribution registration end is according to the judgement as a result, determining reality according to preset digital cash transition strategy
It shifts the amount of money and gives the amount of money for change in border；
The owner of the digital cash of the actual transfer amount of money is changed to described coin be taken to use by digital cash distribution registration end
Family and, the owner of the digital cash for giving the amount of money for change is changed to the digital cash wallet server-side.
5. according to the method described in claim 4, it is characterized in that, digital cash distribution registers end by the actual transfer
The owner of the digital cash of the amount of money be changed to it is described take coin user and, the owner of the digital cash for giving the amount of money for change is become
More the digital cash wallet server-side the step of, including：
The coin tandem table of the digital cash of the amount of money to be transferred is cancelled, and described in generation at the digital cash distribution registration end
The coin tandem table of the digital cash of the actual transfer amount of money and, give the coin tandem table of the digital cash of the amount of money described in generation for change；
The owner of the coin tandem table of the digital cash of the actual transfer amount of money is determined as by the digital cash distribution registration end
It is described take coin user and, the owner of the coin tandem table of the digital cash for giving the amount of money for change is determined as the digital cash
Wallet server-side.
6. according to the method described in claim 4, it is characterized in that, digital cash distribution registration end is according to the judgement
As a result, the step of determining the actual transfer amount of money according to preset digital cash transition strategy and give the amount of money for change, including：
The digital cash distribution registration end is according to the judgement as a result, determining the actual transfer amount of money according to maximum possible strategy
With give the amount of money for change, wherein：
When it is described take the coin amount of money consistent with the amount of money to be transferred when, the digital cash distribution registration end determines that the reality turns
It moves the amount of money and takes the coin amount of money to be described, the amount of money of giving for change is zero；
When it is described take the coin amount of money and the inconsistent amount of money to be transferred when, the digital cash distribution registration end determines the reality
The transfer amount of money takes the coin amount of money and the minimum value among described amount of money the two to be transferred, also, if described take the coin amount of money to be described
More than the amount of money to be transferred, then it is zero to give the amount of money for change described in confirmation；If described take the coin amount of money to be less than the amount of money to be transferred,
Then determine the amount of money of giving for change for the amount of money to be transferred and the difference for taking the coin amount of money.
7. according to the method described in claim 4, it is characterized in that, digital cash distribution registration end is according to the judgement
As a result, the step of determining the actual transfer amount of money according to preset digital cash transition strategy and give the amount of money for change, including：
The digital cash distribution registration end is according to the judgement as a result, according to the maximum determining actual transfer amount of money of precisely strategy
With give the amount of money for change, wherein：
When it is described take the coin amount of money consistent with the amount of money to be transferred when, the digital cash distribution registration end determines that the reality turns
It moves the amount of money and takes the coin amount of money to be described, the amount of money of giving for change is zero；
When it is described take the coin amount of money and the inconsistent amount of money to be transferred when, if described take the coin amount of money to be less than the gold to be transferred
Volume, then digital cash distribution registration end determines that the actual transfer amount of money takes the coin amount of money to be described, and described gives the amount of money for change
For the amount of money to be transferred and the difference for taking the coin amount of money；If described take the coin amount of money to be more than the amount of money to be transferred, really
The fixed actual transfer amount of money and the amount of money of giving for change are zero.
8. according to the method described in claim 4, it is characterized in that, digital cash distribution registers end by the actual transfer
The owner of the digital cash of the amount of money be changed to it is described take coin user and, the owner of the digital cash for giving the amount of money for change is become
More the digital cash wallet server-side the step of after, including：
The digital cash wallet server-side takes the wallet interlock account of coin user according to the actual transfer amount of money described in update
Remaining sum fund, and digital cash gold in the digital cash wallet server-side safe deposit box is updated according to the amount of money of giving for change
Volume.
9. a kind of digital cash exchange system, which is characterized in that including：Digital cash wallet terminal, digital cash wallet service
End, digital cash distribution registration end, wherein：
The digital cash wallet terminal is used to take the generation of coin information that coin is taken to instruct according to input, described that coin instruction is taken to include taking
The coin amount of money takes the wallet mark of coin user and the information of wallet interlock account；
The digital cash wallet server-side is used to coin be taken to instruct according to, will be taken described in correspondence in the wallet interlock account
The remaining sum fund of the coin amount of money converts to the digital cash of the amount of money to be transferred；
The digital cash distribution registration end is used to that the coin amount of money and the amount of money to be transferred to be taken to determine actual transfer gold according to
The owner of the digital cash of the actual transfer amount of money is changed to described take coin user by volume；
The digital cash wallet terminal is additionally operable to take to be described in the owner for confirming the digital cash of the actual transfer amount of money
After coin user, the wallet mark pair of coin user will be taken described in the coin tandem table deposit of the digital cash of the actual transfer amount of money
The digital cash wallet answered.
10. system according to claim 9, which is characterized in that the digital cash wallet terminal is additionally operable to：
It determines described coin user to be taken to pass through authentication by local security module；
It takes coin is input by user the generation of coin information is taken to unsign coin is taken to instruct according to described, then passes through the local security module
Coin instruction signature is taken to described unsign, coin to be taken to instruct described in generation.
11. system according to claim 9, which is characterized in that the digital cash wallet server-side is additionally operable to：
Coin is taken to instruct according to described, the remaining sum fund that the coin amount of money is taken described in corresponding to is reduced to the wallet interlock account；
The coin amount of money is taken according to described, digital cash is matched from digital cash safe deposit box according to preset matching rule, described
It is the amount of money to be transferred with the obtained amount of money of effective digital currency.
12. system according to claim 9, which is characterized in that the digital cash distribution registration end is additionally operable to：
Take the coin amount of money and the amount of money to be transferred whether consistent described in judgement；
According to the judgement as a result, determining the actual transfer amount of money according to preset digital cash transition strategy and giving the amount of money for change；
By the owner of the digital cash of the actual transfer amount of money be changed to it is described take coin user and, give the amount of money for change by described
The owner of digital cash be changed to the digital cash wallet server-side.
13. system according to claim 12, which is characterized in that the digital cash distribution registration end is additionally operable to：
The coin tandem table of the digital cash of the amount of money to be transferred is cancelled, and generates the digital cash of the actual transfer amount of money
Coin tandem table and, give the coin tandem table of the digital cash of the amount of money described in generation for change；
By the owner of the coin tandem table of the digital cash of the actual transfer amount of money be determined as it is described take coin user and, by institute
The owner for stating the coin tandem table for the digital cash for giving the amount of money for change is determined as the digital cash wallet server-side.
14. system according to claim 12, which is characterized in that the digital cash distribution registration end is additionally operable to：
According to the judgement as a result, determine the actual transfer amount of money and to give the amount of money for change according to maximum possible strategy, wherein：
When it is described take the coin amount of money consistent with the amount of money to be transferred when, the digital cash distribution registration end determines that the reality turns
It moves the amount of money and takes the coin amount of money to be described, the amount of money of giving for change is zero；
When it is described take the coin amount of money and the inconsistent amount of money to be transferred when, the digital cash distribution registration end determines the reality
The transfer amount of money takes the coin amount of money and the minimum value among described amount of money the two to be transferred, also, if described take the coin amount of money to be described
More than the amount of money to be transferred, then it is zero to give the amount of money for change described in confirmation；If described take the coin amount of money to be less than the amount of money to be transferred,
Then determine the amount of money of giving for change for the amount of money to be transferred and the difference for taking the coin amount of money.
15. system according to claim 12, which is characterized in that the digital cash distribution registration end is additionally operable to：
According to the judgement as a result, according to the determining actual transfer amount of money of maximum precisely strategy and give the amount of money for change, wherein：
When it is described take the coin amount of money consistent with the amount of money to be transferred when, the digital cash distribution registration end determines that the reality turns
It moves the amount of money and takes the coin amount of money to be described, the amount of money of giving for change is zero；
When it is described take the coin amount of money and the inconsistent amount of money to be transferred when, if described take the coin amount of money to be less than the gold to be transferred
Volume, then digital cash distribution registration end determines that the actual transfer amount of money takes the coin amount of money to be described, and described gives the amount of money for change
For the amount of money to be transferred and the difference for taking the coin amount of money；If described take the coin amount of money to be more than the amount of money to be transferred, really
The fixed actual transfer amount of money and the amount of money of giving for change are zero.
16. system according to claim 12, which is characterized in that the digital cash wallet server-side is additionally operable to：
According to the actual transfer amount of money, the remaining sum fund of the wallet interlock account of coin user is taken described in update, and according to described
Give the digital cash amount of money in the amount of money update digital cash wallet server-side safe deposit box for change.
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