CN108133369B - Digital currency exchange method and system - Google Patents
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Abstract
The invention discloses a digital currency exchange method and a digital currency exchange system, and relates to the technical field of computers. One specific implementation of the method comprises the following steps: the digital currency wallet terminal generates a currency taking instruction according to the currency taking information; the digital currency wallet server converts the balance fund corresponding to the money-taking amount in the wallet-associated account into digital currency of the amount to be transferred according to the money-taking instruction; the digital currency issuing and registering end determines the actual transfer amount according to the money taking amount and the amount to be transferred, and changes the owner of the digital currency of the actual transfer amount into a money taking user; and the digital money wallet terminal stores the coin serial list of the digital money of the actual transferred amount into the digital money wallet corresponding to the coin-taking user wallet identification. The system can be in butt joint with a digital currency issuing and registering mechanism system and is in associated binding with a traditional account system, a localized safety protection mechanism is provided, the safety of wallet operation and a digital currency exchange process is improved, the safety protection capability of the wallet is improved, and the real storage and direct transfer of digital currency are provided.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a digital currency conversion method and a digital currency conversion system.
Background
In the era of digital economy, the innovation value and competitiveness brought by the technical driving force are continuously and rapidly urging the innovation of various product forms and services in the financial field, so that the technology of electronic purses and digital purses is rapidly developed.
One type of electronic wallet exists as an aggregation entrance for bank card or other card medium access, the wallet is just the aggregation management of card functions, does not have the functions of actual wallet payment and the like, and encapsulates the network payment entrance functions of a plurality of cards to realize single entrance access and simplify the complexity of multi-card operation of a user. The functions of the wallet need to be implemented by calling the network application function of a specific card. Such a converged electronic wallet is not really a wallet having direct funds handling and transaction processing functions.
The wallet corresponding to the private quasi-digital currency is mainly used for storing a private key and performing signature transaction on the private quasi-digital currency recorded on the chain. Such a wallet may be more like an address, or key locker. Does not have the function of storing funds or assets itself. Meanwhile, the wallet is completely anonymous, anyone can generate a new wallet address and transfer the digital assets to any address through a private key, and once the transfer target is wrong, the digital assets cannot be recovered.
It can be seen that the existing electronic or digital wallets are all based on an account system, the function of the wallet is an extension of the account function, or the wallet is only one entrance or medium for account access, so that the wallets are all dependent on the original account system.
The existing scheme of exchanging digital currency by using an electronic or digital wallet is actually the transaction of a back account system, and the wallet does not actually store any actual fund or asset, but is just used as the front-end display of the accounting data and functions of a background account system.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
there is no system interaction and access mechanism with the digital currency issuing register;
the method is not related to the real identity of the user, can not be communicated with an account, is lack of integration with the existing financial infrastructure, and cannot be well applied to the existing financial service and transaction scenes;
the security protection mechanism is too dependent on mechanisms such as wallet service providers or commercial banks, and the wallet security is insufficient;
the functions of actually storing and keeping the digital currency and truly and directly transferring the digital currency to the wallet cannot be realized.
Disclosure of Invention
In view of this, embodiments of the present invention provide a digital currency exchange method and system, which can interface with a digital currency issuing and registering institution system and bind with a traditional account system in an associated manner, so as to implement non-differentiated experience and smooth transition between existing financial infrastructure and users, provide a whole set of localized security protection mechanisms, and do not depend on a background system and other institutions, thereby improving the security of the whole wallet operation and digital currency exchange process, improving the security protection capability of the wallet, and providing real storage and direct transfer of digital currency based on a completely independent terminal wallet.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a digital currency conversion method.
A digital currency conversion method, comprising: the digital currency wallet terminal generates a currency taking instruction according to input currency taking information, wherein the currency taking instruction comprises currency taking amount, a wallet identifier of a currency taking user and information of a wallet associated account; the digital currency wallet server converts the balance fund corresponding to the money-taking amount in the wallet-associated account into digital currency of the amount to be transferred according to the money-taking instruction; the digital currency issuing and registering end determines the actual transfer amount according to the money taking amount and the amount to be transferred, and changes the owner of the digital currency of the actual transfer amount into the money taking user; and after confirming that the owner of the digital money of the actual transfer amount is the money taking user, the digital money wallet terminal deposits the money list table of the digital money of the actual transfer amount into the digital money wallet corresponding to the wallet identifier of the money taking user.
Optionally, the step of generating a money getting instruction by the digital money wallet terminal according to the inputted money getting information includes: the digital currency wallet terminal determines that the money-taking user passes identity authentication through a local security module; and the digital currency wallet terminal generates an unsigned currency taking instruction according to currency taking information input by the currency taking user, and then signs the unsigned currency taking instruction through the local security module to generate the currency taking instruction.
Optionally, the step of, by the digital money wallet service end, exchanging the balance fund corresponding to the money-drawing amount in the wallet-associated account into the digital money of the amount to be transferred according to the money-drawing instruction includes: the digital currency wallet server deducts the balance fund corresponding to the money-taking amount from the wallet-associated account according to the money-taking instruction; and the digital currency wallet server side matches digital currency from a digital currency storage box according to the money-taking amount and a preset matching rule, wherein the amount of the valid digital currency obtained by matching is the amount to be transferred.
Optionally, the step of the digital currency issuance registering terminal determining an actual transfer amount according to the money collecting amount and the amount to be transferred, and changing an owner of the digital currency of the actual transfer amount to the money collecting user includes: the digital currency issuing and registering end judges whether the money-taking amount is consistent with the amount to be transferred or not; the digital currency issuing and registering end determines the actual transfer amount and the recovery amount according to the judgment result and a preset digital currency transfer strategy; the digital money issuance registration terminal changes the owner of the digital money of the actual transfer amount to the money pickup user, and changes the owner of the digital money of the retrieved amount to the digital money wallet service terminal.
Alternatively, the step of the digital money issuance registration terminal changing the owner of the digital money of the actual transfer amount to the money pickup user and changing the owner of the digital money of the change amount to the digital money wallet service terminal includes: the digital currency issuing and registering terminal invalidates the currency string list of the digital currency of the amount to be transferred, generates a currency string list of the digital currency of the actual amount to be transferred, and generates a currency string list of the digital currency of the amount to be retrieved; the digital money issuance registration terminal determines the owner of the money string list of the digital money of the actual transfer amount as the money pickup user, and determines the owner of the money string list of the digital money of the withdrawal amount as the digital money wallet service terminal.
Optionally, the step of determining, by the digital money issuance registration terminal, the actual transfer amount and the withdrawal amount according to a preset digital money transfer policy based on the result of the judgment includes: and the digital currency issuing and registering terminal determines the actual transfer amount and the recovery amount according to the maximum possible strategy according to the judgment result, wherein: when the money-taking amount is consistent with the money-to-be-transferred amount, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the recovery amount is zero; when the money-getting amount is inconsistent with the amount to be transferred, the digital currency issuing and registering end determines that the actual transfer amount is the minimum value between the money-getting amount and the amount to be transferred, and if the money-getting amount is larger than the amount to be transferred, the change amount is confirmed to be zero; and if the money-getting amount is smaller than the money to be transferred, determining the recovery amount as the difference value between the money to be transferred and the money-getting amount.
Optionally, the step of determining, by the digital money issuance registration terminal, the actual transfer amount and the withdrawal amount according to a preset digital money transfer policy based on the result of the judgment includes: and the digital currency issuing and registering end determines the actual transfer amount and the recovery amount according to the judgment result and the maximum accurate strategy, wherein: when the money-taking amount is consistent with the money-to-be-transferred amount, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the recovery amount is zero; when the money-taking amount is inconsistent with the money-taking amount, if the money-taking amount is smaller than the money-taking amount, the digital currency issuing and registering end determines that the actual transfer amount is the money-taking amount, and the recovery amount is the difference value between the money-taking amount and the actual transfer amount; and if the money-taking amount is larger than the amount to be transferred, determining that the actual transfer amount and the recovery amount are both zero.
Optionally, the step of the digital money issuance registration terminal changing the owner of the digital money of the actual transfer amount to the money pickup user and changing the owner of the digital money of the change amount to the digital money wallet service terminal may be followed by: and the digital money wallet server side updates the balance fund of the wallet-associated account of the money-taking user according to the actual transfer amount, and updates the digital money amount in the safe deposit box of the digital money wallet server side according to the recovery amount.
According to another aspect of embodiments of the present invention, there is provided a digital currency conversion system.
A digital currency conversion system comprising: digital currency wallet terminal, digital currency wallet service end, digital currency issue register end, wherein: the digital currency wallet terminal is used for generating a currency taking instruction according to input currency taking information, and the currency taking instruction comprises currency taking amount, a wallet mark of a currency taking user and information of a wallet associated account; the digital currency wallet server is used for converting the balance fund corresponding to the money-taking amount in the wallet-associated account into digital currency of the amount to be transferred according to the money-taking instruction; the digital currency issuing and registering end is used for determining an actual transfer amount according to the money taking amount and the amount to be transferred and changing an owner of the digital currency of the actual transfer amount into the money taking user; and the digital money wallet terminal is further used for storing the money list table of the digital money of the actual transfer amount into the digital money wallet corresponding to the wallet identifier of the money taking user after confirming that the owner of the digital money of the actual transfer amount is the money taking user.
Optionally, the digital money wallet terminal is further configured to: determining that the money-taking user passes identity authentication through a local security module; and generating an unsigned coin taking instruction according to the coin taking information input by the coin taking user, and then signing the unsigned coin taking instruction through the local security module to generate the coin taking instruction.
Optionally, the digital money wallet service is further configured to: deducting the balance fund corresponding to the money-taking amount from the wallet-associated account according to the money-taking instruction; and according to the money-taking amount, matching digital money from a digital money storage box according to a preset matching rule, wherein the amount of the valid digital money obtained by matching is the amount to be transferred.
Optionally, the digital currency issuance register is further configured to: judging whether the money-taking amount is consistent with the amount to be transferred or not; determining the actual transfer amount and the recovery amount according to the judgment result and a preset digital money transfer strategy; changing the owner of the digital currency of the actual transfer amount into the money taking user, and changing the owner of the digital currency of the retrieved amount into the digital currency wallet server.
Optionally, the digital currency issuance register is further configured to: invalidating the currency string list of the digital currency of the amount to be transferred, generating a currency string list of the digital currency of the actual amount to be transferred, and generating a currency string list of the digital currency of the amount to be retrieved; determining an owner of the list of currency strings for digital currency of the actual transfer amount as the currency taker, and determining an owner of the list of currency strings for digital currency of the redemption amount as the digital currency wallet server.
Optionally, the digital currency issuance register is further configured to: and determining the actual transfer amount and the recovery amount according to the maximum possible strategy according to the judgment result, wherein: when the money-taking amount is consistent with the money-to-be-transferred amount, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the recovery amount is zero; when the money-getting amount is inconsistent with the amount to be transferred, the digital currency issuing and registering end determines that the actual transfer amount is the minimum value between the money-getting amount and the amount to be transferred, and if the money-getting amount is larger than the amount to be transferred, the change amount is confirmed to be zero; and if the money-getting amount is smaller than the money to be transferred, determining the recovery amount as the difference value between the money to be transferred and the money-getting amount.
Optionally, the digital currency issuance register is further configured to: and determining the actual transfer amount and the recovery amount according to the judgment result and the maximum accurate strategy, wherein: when the money-taking amount is consistent with the money-to-be-transferred amount, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the recovery amount is zero; when the money-taking amount is inconsistent with the money-taking amount, if the money-taking amount is smaller than the money-taking amount, the digital currency issuing and registering end determines that the actual transfer amount is the money-taking amount, and the recovery amount is the difference value between the money-taking amount and the actual transfer amount; and if the money-taking amount is larger than the amount to be transferred, determining that the actual transfer amount and the recovery amount are both zero.
Optionally, the digital money wallet service is further configured to: and updating the balance fund of the wallet related account of the money-taking user according to the actual transfer amount, and updating the digital currency amount in the safe deposit box of the digital currency wallet service end according to the recovery amount.
One embodiment of the above invention has the following advantages or benefits: the digital currency wallet terminal generates a currency taking instruction according to input currency taking information, wherein the currency taking instruction comprises currency taking amount, a wallet identifier of a currency taking user and information of a wallet associated account; the digital currency wallet server converts the balance fund corresponding to the money-taking amount in the wallet-associated account into digital currency of the amount to be transferred according to the money-taking instruction; the digital currency issuing and registering end determines the actual transfer amount according to the money taking amount and the amount to be transferred, and changes the owner of the digital currency of the actual transfer amount into a money taking user; after confirming that the owner of the digital money of the actual transfer amount is the money taking user, the digital money wallet terminal stores the money serial table of the digital money of the actual transfer amount into the digital money wallet corresponding to the wallet mark of the money taking user. The wallet can be in butt joint with a digital currency issuing and registering mechanism system and is in associated binding with a traditional account system, the non-difference experience and smooth transition of the existing financial infrastructure and users are realized, a whole set of local safety protection mechanism is provided, a background system and other mechanisms are not relied on, the safety of the whole wallet operation and digital currency exchange process is improved, the safety protection capability of the wallet is improved, and the real storage and direct transfer of digital currency can be provided based on a completely independent terminal wallet.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
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 view of the main steps of a digital currency exchange method according to an embodiment of the present invention;
fig. 2 is a schematic diagram of main blocks of the digital currency exchange system according to the 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.
Fig. 1 is a schematic view of the main steps of a digital currency exchange method according to an embodiment of the present invention.
The digital currency conversion in the embodiment of the invention can be a process of converting part or all of balance funds in a wallet-associated account of the money-taking user into digital currency through a digital currency wallet service end, taking out the successfully converted digital currency from the digital currency wallet service end, and then depositing the successfully converted digital currency into a digital currency wallet of the user. Therefore, the "coin taking" of the present invention is not limited to the extraction of digital money, but means the above-described digital money exchange.
As shown in fig. 1, the digital currency conversion method according to the embodiment of the present invention includes steps S101 to S104 as follows.
Step S101: and the digital currency wallet terminal generates a currency taking instruction according to the input currency taking information.
The money fetching instruction comprises the money fetching amount, the wallet identification of the money fetching user and the information of the wallet-associated account, and can also comprise a certificate and the like.
Step S101 may specifically include: the digital currency wallet terminal determines that the currency-taking user passes identity authentication through the local security module; the digital currency wallet terminal generates an unsigned currency taking instruction according to currency taking information input by a currency taking user, and then signs the unsigned currency taking instruction through the local security module to generate the currency taking instruction.
The local security module of the embodiment of the invention can be used for the security authentication of the user identity, the information encryption and decryption and the key management, and can also operate other hardware resources of the digital currency wallet terminal, such as IO (input output), a screen and the like, thereby being a security bottom layer operation environment.
After the money-taking user logs in the local digital money wallet, the digital money wallet terminal receives a request of the user for selecting the money-taking operation (converting all or part of balance funds in the wallet-associated account of the user into digital money), and carries out identity authentication on the money-taking user through the local security module, if the identity authentication is passed, the digital money wallet terminal displays information such as wallet identification, certificate, wallet-associated account information, money-taking amount to be confirmed and the like to the user through the local security module, waits for the user to confirm the information, inputs the money-taking amount to the local security module, and generates an unsigned money-taking instruction after confirming the information displayed by the local security module, wherein the unsigned money-taking instruction can comprise the wallet identification, the certificate, the information of the wallet-associated account, the money-taking amount confirmed by the user, Coin taking indication information and the like. And the digital currency wallet terminal signs the unsigned currency taking instruction by using a wallet secret key through a local security module and then sends the currency taking instruction to a digital currency wallet server.
The money fetching information input by the user comprises money fetching amount and confirmation information of the information displayed by the local security module, the user can also select whether to inquire the balance of the associated account (namely the balance of the wallet associated account) before inputting the money fetching information, and if so, the digital money wallet associated account inquiry process is executed.
Step S102: and the digital currency wallet server converts the balance fund corresponding to the money-taking amount in the wallet-associated account into the digital currency of the amount to be transferred according to the money-taking instruction.
The amount to be transferred is the amount of digital money to be transferred from a digital money deposit box (simply called deposit box) at the service end of the digital money wallet to the digital money wallet of the money-taking user.
Step S102 may specifically include: and the digital currency wallet server deducts the balance fund corresponding to the money-taking amount from the wallet-associated account according to the money-taking instruction, and matches the digital currency from the digital currency storage box according to the money-taking amount and a preset matching rule, wherein the amount of the valid digital currency obtained by matching is the amount to be transferred. The valid digital money refers to a digital money string that is not invalidated by the digital money issuance registration mechanism.
After receiving the money taking instruction, the digital money wallet server side firstly verifies the signature information of the money taking instruction, confirms whether the stored account-associated wallet identification is consistent with the account-associated wallet identification in the money taking instruction after the signature verification is passed, deducts the balance fund corresponding to the money taking amount from the wallet-associated account if the stored account-associated wallet identification is consistent with the account-associated wallet identification in the money taking instruction, and obtains a money taking and deducting result after deducting the balance fund, wherein the money taking and deducting result can comprise the money taking instruction, the deducting amount, a money deducting account, a balance before deducting, a balance after deducting and the like.
The digital money wallet service end matches a money string list of the digital money from a digital money safe deposit box of the digital money wallet service end according to a preset matching rule, and adds a wallet service box identification and a certificate in a money fetching instruction to serve as a source for transferring the digital money and for security verification of the source for transferring the digital money. The preset matching rule may be set by itself according to a requirement, for example, when there is a list of currency strings corresponding to the amount of the fetched currency in the digital currency storage box, a list of currency strings corresponding to the amount of the fetched currency is obtained by matching, if there is no list of currency strings corresponding to the amount of the fetched currency, a list of currency strings corresponding to the minimum amount of the fetched currency is obtained by matching, and if the amounts of all the list of currency strings in the digital currency storage box are less than the amount of the fetched currency, the digital currency may be requested from the system of the digital currency issuing and registering mechanism according to a preset requirement, or the digital currency conversion process may be ended, wherein the process of requesting the digital currency, that is, the process of applying for a new digital currency string from the digital currency wallet service end to the system of the digital currency issuing and registering mechanism, and the amount of the requested digital currency may be greater than, less than or equal to the amount of the fetched currency, specifically, the amount of the digital money to be received is related to the preset digital money request amount of the digital money wallet service end. The specific form of the digital currency is encrypted character strings, namely each encrypted character string is a currency string, and a list formed by combining a plurality of currency strings is a currency string list of the digital currency.
After completing the above operation, the digital money wallet service transmits a digital money transfer request to the digital money issuance register to initiate a digital money transfer operation. The digital money transfer request comprises a money taking instruction, a source wallet server safe deposit box identifier, a certificate, a going wallet identifier, a certificate and the like, wherein the source wallet server safe deposit box is a digital money safe deposit box of a digital money wallet service end, and the going wallet identifier is a wallet identifier of a money taking user.
Step S103: the digital currency issuing and registering terminal determines the actual transfer amount according to the money-drawing amount and the amount to be transferred, and changes the owner of the digital currency of the actual transfer amount into a money-drawing user.
After the digital currency issuing and registering end receives the digital currency transfer request sent by the digital currency wallet server end, the signature of the currency taking instruction is verified, whether the wallet identification in the currency taking instruction is consistent with the destination wallet identification in the digital currency transfer request is verified, after the verification is passed, the digital currency issuing and registering end judges whether the currency amount is consistent with the amount to be transferred, determines the actual transfer amount and the recovery amount according to the judgment result and a preset digital currency transfer strategy, changes the owner of the digital currency of the actual transfer amount into a currency taking user, and changes the owner of the digital currency of the recovery amount into the digital currency wallet server end. The amount of the digital money to be transferred, that is, the amount of the digital money remaining in the digital money to be transferred except the digital money wallet actually transferred to the money taker, is referred to as the "change amount" because the remaining digital money needs to be returned (i.e., changed) to the digital money storage box at the digital money wallet service end.
In one embodiment, the step of determining the actual transfer amount and the recovery amount according to the preset digital money transfer policy by the digital money issuance registration terminal according to the result of the determination may specifically include: and the digital currency issuing and registering terminal determines the actual transfer amount and the recovery amount according to the maximum possible strategy according to the judgment result, wherein: when the money-taking amount is consistent with the amount to be transferred, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the change amount is zero; when the money-taking amount is inconsistent with the amount to be transferred, the digital money issuing and registering end determines that the actual transfer amount is the minimum value between the money-taking amount and the amount to be transferred, and if the money-taking amount is larger than the amount to be transferred, the change amount is determined to be zero; and if the money-taking amount is less than the amount to be transferred, determining the recovery amount as the difference value between the amount to be transferred and the money-taking amount. And adopting a maximum possible strategy to ensure that when the money-taking amount is not matched with the amount to be transferred, the minimum value of the money-taking amount and the amount to be transferred is taken so as to complete the payment operation as far as possible. Note that the amount to be transferred corresponds to the amount in the coin list table of valid digital money.
In the second embodiment, the step of determining the actual transfer amount and the recovery amount according to the preset digital money transfer policy by the digital money issuance registration terminal according to the result of the determination may specifically include: and the digital currency issuing and registering end determines the actual transfer amount and the recovery amount according to the judgment result and the maximum accurate strategy, wherein: when the money-taking amount is consistent with the amount to be transferred, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the change amount is zero; when the money-taking amount is inconsistent with the money-taking amount, if the money-taking amount is smaller than the money-taking amount, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount, and the retrieved amount is the difference value between the money-taking amount and the money-taking amount; and if the money-taking amount is larger than the amount to be transferred, determining that the actual transfer amount and the recovery amount are both zero. And determining that the actual transfer amount and the recovery amount are zero, namely returning the digital money of the amount to be transferred to the digital money safe deposit box of the digital money wallet service end without performing owner change operation on the digital money of the amount to be transferred. And when the money amount is larger than the amount to be transferred by adopting a maximum accurate strategy, finishing the digital money transfer process when the secondary transfer operation fails, returning all the digital money of the amount to be transferred to a digital money safe deposit box of the digital money wallet service end, and outputting a notification message of the failure of the digital money exchange.
The steps of the digital money issuing and registering terminal changing the owner of the digital money of the actually transferred amount to the money-drawing user and changing the owner of the digital money of the retrieved amount to the digital money wallet service terminal may specifically include: the digital currency issuing and registering end invalidates the currency string list of the digital currency of the amount to be transferred, generates a currency string list of the digital currency of the actual amount to be transferred, and generates a currency string list of the digital currency of the amount to be retrieved; the digital money issuance registration terminal determines the owner of the money string list of the digital money of the actual transfer amount as the money pickup user, and determines the owner of the money string list of the digital money of the retrieval amount as the digital money wallet service terminal. The digital money issuing and registering terminal completes the above-mentioned obsolescence, setting the ownership of the generated new money, and completes the corresponding registration (i.e., registration of the ownership transfer information of the digital money) and the process of synchronously updating the digital money ownership change, and then returns the money-taking transfer execution result (i.e., digital money transfer execution result) to the digital money wallet service terminal, and the money-taking transfer execution result may specifically include an execution status (e.g., execution success/execution failure), an actual transfer amount, a obsolete money string list, a new money list of the money-taking user wallet, a new money list of the digital money safe of the digital money wallet service terminal, and the like.
After the digital money wallet server receives the result of the money transfer execution, the signature of the digital money issuing register is verified, and the difference between the actual transfer amount and the amounts of the used and discarded money list and the retrieved new money list is confirmed to be the same, and the operation of storing the received retrieved new money list in the digital money safe deposit box is completed. The digital money issuing/registering authority signature is added to the digital money when a new money is issued (i.e., a digital money string is generated).
After the digital currency issuing and registering end changes the owner of the digital currency of the actually transferred amount into the money taking user, and changes the owner of the digital currency of the retrieved amount into the digital currency wallet service end, the digital currency wallet service end can also verify whether the actually transferred amount is consistent with the money taking amount in the money taking instruction, if not, the balance after deduction of the wallet-associated account is updated, the balance fund of the wallet-associated account of the money taking user is updated according to the actually transferred amount, meanwhile, the actual transfer result of the digital currency is notified to the corresponding digital currency wallet of the user, and the digital currency amount in a digital currency wallet service end storage box is updated according to the retrieved amount.
Step S104: after confirming that the owner of the digital money of the actual transfer amount is the money taking user, the digital money wallet terminal stores the money serial table of the digital money of the actual transfer amount into the digital money wallet corresponding to the wallet mark of the money taking user.
And the digital money wallet terminal verifies whether the actual transfer amount is consistent with the amount of the new money list in the money packet of the money-taking user, and finishes the operation of storing the received transferred new money string list in the money packet of the money-taking user after the verification is passed. And finally, the digital currency wallet terminal displays a currency taking operation result to a currency taking user, and the displayed information comprises an execution state (success/failure), an actual transfer amount, a new currency list transferred into a currency taking user wallet, a currency taking deduction result and the like.
The digital currency exchange method provided by the embodiment of the invention can be in butt joint with a digital currency issuing and registering mechanism system and is in associated binding with a traditional account system, the non-differential experience and smooth transition of the existing financial infrastructure and users are realized, a whole set of localized safety protection mechanism is provided, a background system and other mechanisms are not relied on, the safety of the whole wallet operation and digital currency exchange process is improved, the safety protection capability of the wallet is improved, and the real storage and direct transfer of digital currency can be provided based on a completely independent terminal wallet.
Fig. 2 is a schematic diagram of main blocks of the digital currency exchange system according to the embodiment of the present invention.
The digital currency exchange system 200 of the embodiment of the present invention mainly includes: a digital money wallet terminal 201, a digital money wallet service terminal 202, and a digital money issuance registration terminal 203.
And the digital currency wallet terminal 201 is used for generating a currency fetching instruction according to the input currency fetching information.
The coin taking instruction comprises the coin taking amount, the wallet identification of the coin taking user, the information of the wallet-associated account and the like.
The digital currency wallet terminal 201 is specifically configured to determine that the money-taking user passes identity authentication through the local security module; and generating an unsigned coin taking instruction according to coin taking information input by a coin taking user, and then signing the unsigned coin taking instruction through a local security module to generate the coin taking instruction.
The digital money wallet terminal 201 may specifically include a terminal operating system, a terminal security module (i.e., local security module), and a terminal wallet contract function execution module.
After the money-taking user logs in the local digital money wallet, the digital money wallet terminal receives a request of the user for selecting money-taking operation (converting all or part of balance funds in the wallet-associated account of the user into digital money) through the terminal wallet contract function execution module, and authenticates the identity of the money-taking user through the local security module, if the identity authentication is passed, the digital money wallet terminal displays information such as wallet identification, certificate, wallet-associated account information and money-taking amount to be confirmed to the user through the local security module, and waits for the user to confirm the information, the user inputs the money-taking amount to the local security module and confirms the information displayed by the local security module, and the digital money wallet terminal generates an unsigned money-taking instruction, wherein the unsigned money-taking instruction can comprise the wallet identification, the certificate and the information of the wallet-associated account of the money-taking user, The money-taking amount and the money-taking indication information confirmed by the user. The digital currency wallet terminal signs the unsigned currency taking instruction by using a wallet secret key through the local security module, the local security module sends the signed currency taking instruction to the terminal wallet contract function execution module, the terminal wallet contract function execution module verifies the signature information of the currency taking instruction, and then the currency taking instruction is sent to the digital currency wallet service end through the terminal wallet contract function execution module.
The money fetching information input by the user comprises money fetching amount and confirmation information of the information displayed by the local security module, the user can also select whether to inquire the balance of the associated account before inputting the money fetching information, and if so, the digital money wallet associated account inquiry flow is executed.
And the digital money wallet service end 202 is used for converting the balance fund corresponding to the money-taking amount in the wallet-associated account into the digital money of the amount to be transferred according to the money-taking instruction.
The digital currency wallet service 202 is specifically configured to: deducting the balance fund corresponding to the money-taking amount from the wallet-associated account according to the money-taking instruction; and according to the money-taking amount, matching the digital money from the digital money storage box according to a preset matching rule, wherein the amount of the valid digital money obtained by matching is the amount to be transferred.
The digital money wallet service 202 may specifically include a wallet service system, an authentication center, a digital money core system, and an account core system. The digital money wallet service 202 may be a digital money wallet facilitator system.
The wallet service system of the digital money wallet service end 202 receives a money fetching instruction sent by the terminal wallet contract function execution module, verifies signature information of the money fetching instruction, and sends a money fetching and deducting request (which may include the money fetching instruction, the deduction amount and the like) to the account core system according to the money fetching amount after the signature verification is passed. And after the account core system verifies the coin taking instruction, and after the identity of the stored account-associated wallet is confirmed to be consistent with the wallet identity in the coin taking instruction, the account balance is deducted from the amount of the pressed money. The wallet service system receives the coin-receiving deduction result, and sends a signed coin-taking instruction to the digital currency core system, and initiates a digital currency transfer request according to the coin-taking amount. The digital currency core system verifies the signature information of the currency taking instruction, matches a corresponding currency string list from a purse server safe deposit box according to a preset matching rule, adds a purse server safe deposit box identifier and a certificate to the currency taking instruction, and uses the currency taking instruction as a source for transferring digital currency and for security verification of the source for transferring the digital currency. The digital money core system sends a digital money transfer request including a money-taking instruction, a source wallet facilitator's safe deposit box identifier, a certificate, and a go-to wallet identifier, a certificate, to the digital money issuing register 203, wherein the source wallet facilitator's safe deposit box is the digital money safe deposit box of the digital money wallet service, and the go-to wallet identifier is the wallet identifier of the money-taking user.
The digital money issuance registration terminal 203 determines an actual transfer amount from the money-drawing amount and the amount to be transferred, and changes the owner of the digital money of the actual transfer amount to the money-drawing user.
The digital money issuance registration terminal 203 may be a digital money issuance registration system including a registration center, and the respective functions of the digital money issuance registration terminal 203 may be performed by the registration center.
The registration center of the digital money issuance registration terminal 203 can be specifically used for: judging whether the money-taking amount is consistent with the amount to be transferred or not; determining the actual transfer amount and the recovery amount according to a preset digital money transfer strategy according to the judgment result; the owner of the digital money of which the amount is actually transferred is changed to the money-drawing user, and the owner of the digital money of which the amount is retrieved is changed to the digital money wallet server.
In one embodiment, the registration center of the digital money issuance register 203 determines the actual transfer amount and the withdrawal amount according to the most probable policy based on the result of the judgment, wherein: when the money-taking amount is consistent with the money to be transferred, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the change amount is zero; when the money-taking amount is inconsistent with the amount to be transferred, the digital money issuing and registering end determines that the actual transfer amount is the minimum value between the money-taking amount and the amount to be transferred, and if the money-taking amount is larger than the amount to be transferred, the change amount is determined to be zero; and if the money-taking amount is less than the amount to be transferred, determining the recovery amount as the difference value between the amount to be transferred and the money-taking amount.
In another embodiment, the registration center of the digital money issuance register 203 determines the actual transfer amount and the withdrawal amount according to the maximum precision policy based on the result of the judgment, wherein: when the money-taking amount is consistent with the amount to be transferred, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the change amount is zero; when the money-taking amount is inconsistent with the money-taking amount, if the money-taking amount is smaller than the money-taking amount, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount, and the retrieved amount is the difference value between the money-taking amount and the money-taking amount; and if the money-taking amount is larger than the amount to be transferred, determining that the actual transfer amount and the recovery amount are both zero. And determining that the actual transfer amount and the recovery amount are zero, namely returning the digital money of the amount to be transferred to the digital money safe deposit box of the digital money wallet service end without performing owner change operation on the digital money of the amount to be transferred. And when the money amount is larger than the amount to be transferred by adopting a maximum accurate strategy, finishing the digital money transfer process when the secondary transfer operation fails, returning all the digital money of the amount to be transferred to a digital money safe deposit box of the digital money wallet service end, and outputting a notification message of the failure of the digital money exchange.
The registration center of the digital money issuance registration end 203 changes the owner of the digital money of the actual transfer amount to the money pickup user and the owner of the digital money of the retrieved amount to the digital money wallet service end, and specifically, the registration center of the digital money issuance registration end 203 invalidates the money string table of the digital money of the amount to be transferred, generates a money string list of the digital money of the actual transfer amount, and generates a money string list of the digital money of the retrieved amount; the owner of the currency string list of the digital currency of the actual transfer amount is determined as the currency-taking user, and the owner of the currency string list of the digital currency of the recovery amount is determined as the digital currency wallet server.
The registration center of the digital money issuing and registering terminal completes the above-mentioned obsolescence, sets the right of the generated new money, and completes the processes of corresponding registration and synchronous updating of the right chain, and then returns the money-taking transfer execution result to the digital money core system of the digital money wallet service terminal 202, where the money-taking transfer execution result may specifically include an execution status (e.g., execution success/execution failure), an actual transfer amount, a list of obsolete money strings, a list of new money transferred into the money-taking user wallet, a list of new money retrieved from the digital money safe of the digital money wallet service terminal, and the like.
After the digital money core system of the digital money wallet server 202 receives the result of the execution of the received money transfer, it verifies the signature of the digital money issuing register, confirms that the actual transfer amount is identical to the difference between the used money list and the amount of the retrieved new money list (i.e., the retrieval amount), and completes the operation of storing the received retrieved new money list in the digital money safe. And the digital money core system sends a money-taking transfer execution result to the wallet service system, the wallet service system verifies whether the actual transfer amount is consistent with the money-taking amount in the money-taking instruction, if not, the balance after deduction of the wallet-associated account is updated, the balance fund of the wallet-associated account of the money-taking user is updated according to the actual transfer amount, meanwhile, the actual transfer result of the digital money is notified to the digital money wallet of the corresponding user, and the digital money amount in a digital money wallet service end storage box is updated according to the retrieved amount. The wallet service system returns the money-drawing operation result (including information such as execution status (success/failure), actual transfer amount, new money list transferred into the money-drawing user wallet, money-drawing deduction result, etc.) to the terminal wallet contract function execution module.
The digital money wallet terminal 201 is further configured to, after confirming that the owner of the digital money of the actual transfer amount is the money pickup user, deposit the money list table of the digital money of the actual transfer amount into the digital money wallet corresponding to the wallet id of the money pickup user.
The terminal wallet contract function execution module of the digital money wallet terminal 201 verifies whether the actual transfer amount is consistent with the amount of the list of new coins in the wallet of the money-taking user, and after the verification is passed, the operation of storing the received list of the string of the transferred new coins in the wallet of the money-taking user is completed. And finally, the digital currency wallet terminal displays a currency taking operation result to a currency taking user, and the displayed information comprises an execution state (success/failure), an actual transfer amount, a new currency list transferred into a currency taking user wallet, a currency taking deduction result and the like.
In addition, in the embodiment of the present invention, the detailed implementation of the digital currency conversion system is already described in detail in the above-described digital currency conversion method, and therefore, the repeated description is not repeated here.
According to the technical scheme of the embodiment of the invention, the digital currency wallet terminal generates a currency taking instruction according to input currency taking information, wherein the currency taking instruction comprises currency taking amount, wallet identification of a currency taking user, information of a wallet associated account and the like; the digital currency wallet server converts the balance fund corresponding to the money-taking amount in the wallet-associated account into digital currency of the amount to be transferred according to the money-taking instruction; the digital currency issuing and registering end determines the actual transfer amount according to the money taking amount and the amount to be transferred, and changes the owner of the digital currency of the actual transfer amount into a money taking user; after confirming that the owner of the digital money of the actual transfer amount is the money taking user, the digital money wallet terminal stores the money serial table of the digital money of the actual transfer amount into the digital money wallet corresponding to the wallet mark of the money taking user. The wallet can be in butt joint with a digital currency issuing and registering mechanism system and is in associated binding with a traditional account system, the non-difference experience and smooth transition of the existing financial infrastructure and users are realized, a whole set of local safety protection mechanism is provided, a background system and other mechanisms are not relied on, the safety of the whole wallet operation and digital currency exchange process is improved, the safety protection capability of the wallet is improved, and the real storage and direct transfer of digital currency can be provided based on a completely independent terminal wallet.
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 (14)
1. A digital currency conversion method, comprising:
the digital currency wallet terminal determines that a currency taking user passes identity authentication through a local security module, displays wallet identification, a certificate, information of a wallet associated account and information of currency taking amount to be confirmed to the currency taking user through the local security module, generates an unsigned currency taking instruction according to currency taking information input by the currency taking user after the currency taking user confirms the information displayed by the local security module, and signs the unsigned currency taking instruction through a wallet secret key of the local security module to generate the currency taking instruction, wherein the currency taking instruction comprises the currency taking amount, the wallet identification of the currency taking user and the information of the wallet associated account;
the digital currency wallet server converts the balance fund corresponding to the money-taking amount in the wallet-associated account into digital currency of the amount to be transferred according to the money-taking instruction; the digital currency is currency taking encrypted character strings as specific forms;
the digital currency issuing and registering end determines the actual transfer amount according to the money taking amount and the amount to be transferred, and changes the owner of the digital currency of the actual transfer amount into the money taking user;
and after confirming that the owner of the digital money of the actual transfer amount is the money taking user, the digital money wallet terminal deposits the money list table of the digital money of the actual transfer amount into the digital money wallet corresponding to the wallet identifier of the money taking user.
2. The method of claim 1, wherein the step of the digital money wallet server exchanging the balance funds corresponding to the money-drawing amount in the wallet-associated account with the digital money of the amount to be transferred according to the money-drawing instruction comprises:
the digital currency wallet server deducts the balance fund corresponding to the money-taking amount from the wallet-associated account according to the money-taking instruction;
and the digital currency wallet server side matches digital currency from a digital currency storage box according to the money-taking amount and a preset matching rule, wherein the amount of the valid digital currency obtained by matching is the amount to be transferred.
3. The method according to claim 1, wherein the step of the digital money issuance registry determining an actual transfer amount based on the money-drawing amount and the amount to be transferred, and changing the owner of the digital money of the actual transfer amount to the money-drawing user, comprises:
the digital currency issuing and registering end judges whether the money-taking amount is consistent with the amount to be transferred or not;
the digital currency issuing and registering end determines the actual transfer amount and the recovery amount according to the judgment result and a preset digital currency transfer strategy;
the digital money issuance registration terminal changes the owner of the digital money of the actual transfer amount to the money pickup user, and changes the owner of the digital money of the retrieved amount to the digital money wallet service terminal.
4. The method according to claim 3, wherein the step of the digital money issuance registration terminal changing the owner of the digital money of the actual transfer amount to the money pickup user, and changing the owner of the digital money of the change amount to the digital money wallet service terminal, comprises:
the digital currency issuing and registering terminal invalidates the currency string list of the digital currency of the amount to be transferred, generates a currency string list of the digital currency of the actual amount to be transferred, and generates a currency string list of the digital currency of the amount to be retrieved;
the digital money issuance registration terminal determines the owner of the money string list of the digital money of the actual transfer amount as the money pickup user, and determines the owner of the money string list of the digital money of the withdrawal amount as the digital money wallet service terminal.
5. The method according to claim 3, wherein the step of the digital money issuance register determining the actual transfer amount and the withdrawal amount according to a preset digital money transfer policy based on the result of the judgment comprises:
and the digital currency issuing and registering terminal determines the actual transfer amount and the recovery amount according to the maximum possible strategy according to the judgment result, wherein:
when the money-taking amount is consistent with the money-to-be-transferred amount, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the recovery amount is zero;
when the money-getting amount is inconsistent with the amount to be transferred, the digital currency issuing and registering end determines that the actual transfer amount is the minimum value between the money-getting amount and the amount to be transferred, and if the money-getting amount is larger than the amount to be transferred, the change amount is confirmed to be zero; and if the money-getting amount is smaller than the money to be transferred, determining the recovery amount as the difference value between the money to be transferred and the money-getting amount.
6. The method according to claim 3, wherein the step of the digital money issuance register determining the actual transfer amount and the withdrawal amount according to a preset digital money transfer policy based on the result of the judgment comprises:
and the digital currency issuing and registering end determines the actual transfer amount and the recovery amount according to the judgment result and the maximum accurate strategy, wherein:
when the money-taking amount is consistent with the money-to-be-transferred amount, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the recovery amount is zero;
when the money-taking amount is inconsistent with the money-taking amount, if the money-taking amount is smaller than the money-taking amount, the digital currency issuing and registering end determines that the actual transfer amount is the money-taking amount, and the recovery amount is the difference value between the money-taking amount and the actual transfer amount; and if the money-taking amount is larger than the amount to be transferred, determining that the actual transfer amount and the recovery amount are both zero.
7. The method according to claim 3, wherein the step of the digital money issuance registry changing the owner of the digital money of the actual transfer amount to the money pickup user and changing the owner of the digital money of the change amount to the digital money wallet service, is followed by:
and the digital money wallet server side updates the balance fund of the wallet-associated account of the money-taking user according to the actual transfer amount, and updates the digital money amount in the safe deposit box of the digital money wallet server side according to the recovery amount.
8. A digital currency conversion system, comprising: digital currency wallet terminal, digital currency wallet service end, digital currency issue register end, wherein:
the digital currency wallet terminal is used for determining that a currency taking user passes identity authentication through a local security module, displaying wallet identification, a certificate, information of a wallet-associated account and information of currency taking amount to be confirmed to the currency taking user through the local security module, generating an unsigned currency taking instruction according to currency taking information input by the currency taking user after the currency taking user confirms the information displayed by the local security module, and then signing the unsigned currency taking instruction through a wallet secret key through the local security module to generate the currency taking instruction, wherein the currency taking instruction comprises the currency taking amount, the wallet identification of the currency taking user and the information of the wallet-associated account;
the digital currency wallet server is used for converting the balance fund corresponding to the money-taking amount in the wallet-associated account into digital currency of the amount to be transferred according to the money-taking instruction; the digital currency is currency taking encrypted character strings as specific forms;
the digital currency issuing and registering end is used for determining an actual transfer amount according to the money taking amount and the amount to be transferred and changing an owner of the digital currency of the actual transfer amount into the money taking user;
and the digital money wallet terminal is further used for storing the money list table of the digital money of the actual transfer amount into the digital money wallet corresponding to the wallet identifier of the money taking user after confirming that the owner of the digital money of the actual transfer amount is the money taking user.
9. The system of claim 8, wherein the digital currency wallet service is further configured to:
deducting the balance fund corresponding to the money-taking amount from the wallet-associated account according to the money-taking instruction;
and according to the money-taking amount, matching digital money from a digital money storage box according to a preset matching rule, wherein the amount of the valid digital money obtained by matching is the amount to be transferred.
10. The system of claim 8, wherein the digital currency issuing register is further configured to:
judging whether the money-taking amount is consistent with the amount to be transferred or not;
determining the actual transfer amount and the recovery amount according to the judgment result and a preset digital money transfer strategy;
changing the owner of the digital currency of the actual transfer amount into the money taking user, and changing the owner of the digital currency of the retrieved amount into the digital currency wallet server.
11. The system of claim 10, wherein the digital currency issuing register is further configured to:
invalidating the currency string list of the digital currency of the amount to be transferred, generating a currency string list of the digital currency of the actual amount to be transferred, and generating a currency string list of the digital currency of the amount to be retrieved;
determining an owner of the list of currency strings for digital currency of the actual transfer amount as the currency taker, and determining an owner of the list of currency strings for digital currency of the redemption amount as the digital currency wallet server.
12. The system of claim 10, wherein the digital currency issuing register is further configured to:
and determining the actual transfer amount and the recovery amount according to the maximum possible strategy according to the judgment result, wherein:
when the money-taking amount is consistent with the money-to-be-transferred amount, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the recovery amount is zero;
when the money-getting amount is inconsistent with the amount to be transferred, the digital currency issuing and registering end determines that the actual transfer amount is the minimum value between the money-getting amount and the amount to be transferred, and if the money-getting amount is larger than the amount to be transferred, the change amount is confirmed to be zero; and if the money-getting amount is smaller than the money to be transferred, determining the recovery amount as the difference value between the money to be transferred and the money-getting amount.
13. The system of claim 10, wherein the digital currency issuing register is further configured to:
and determining the actual transfer amount and the recovery amount according to the judgment result and the maximum accurate strategy, wherein:
when the money-taking amount is consistent with the money-to-be-transferred amount, the digital money issuing and registering end determines that the actual transfer amount is the money-taking amount and the recovery amount is zero;
when the money-taking amount is inconsistent with the money-taking amount, if the money-taking amount is smaller than the money-taking amount, the digital currency issuing and registering end determines that the actual transfer amount is the money-taking amount, and the recovery amount is the difference value between the money-taking amount and the actual transfer amount; and if the money-taking amount is larger than the amount to be transferred, determining that the actual transfer amount and the recovery amount are both zero.
14. The system of claim 10, wherein the digital currency wallet service is further configured to:
and updating the balance fund of the wallet related account of the money-taking user according to the actual transfer amount, and updating the digital currency amount in the safe deposit box of the digital currency wallet service end according to the recovery amount.
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| CN109544127A (en) * | 2018-10-10 | 2019-03-29 | 北京番茄大陆科技有限公司 | Transfer account method, device and the equipment of stored value card |
| CN109636601B (en) * | 2018-11-30 | 2023-04-07 | 无锡井通网络科技有限公司 | Digital asset management system |
| CN112150142B (en) * | 2019-06-28 | 2023-12-19 | 北京国盾量子信息技术有限公司 | Digital currency generation method and device based on quantum random numbers |
| CN110648228A (en) * | 2019-08-05 | 2020-01-03 | 孟江华 | On-chain asset transfer system and method through on-chain digital currency settlement |
| CN110838061A (en) * | 2019-10-31 | 2020-02-25 | 支付宝(杭州)信息技术有限公司 | Digital currency account control method and device |
| US20240127228A1 (en) * | 2021-04-16 | 2024-04-18 | Digital Currency Institute, The People's Bank Of China | Method, Apparatus, and System for Exporting and Recharging Digital Currency |
| CN116402498A (en) * | 2021-12-28 | 2023-07-07 | 中国人民银行数字货币研究所 | Digital currency conversion method, device and system |
| CN116228234B (en) * | 2023-05-09 | 2023-07-11 | 矩阵时光数字科技有限公司 | Quantum security digital currency conversion method |
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