CN108256841A - Actively turn the method, apparatus and system of coin - Google Patents
Actively turn the method, apparatus and system of coin Download PDFInfo
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- CN108256841A CN108256841A CN201711455116.4A CN201711455116A CN108256841A CN 108256841 A CN108256841 A CN 108256841A CN 201711455116 A CN201711455116 A CN 201711455116A CN 108256841 A CN108256841 A CN 108256841A
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- coin
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- turn
- address information
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Classifications
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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
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
Abstract
The embodiment of the present invention provides a kind of method, apparatus and system for actively turning coin, can actual storage digital cash, and can realize that digital cash carries out the digital cash metastasis initiated by paying party between specific wallet and wallet.This method includes：Coin request is turned according to the generation of the gathering address information of recipient；According to turn coin request to generate turn coin instruction；And according to turn coin instruct to recipient's wallet execution turn coin operation.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of method, apparatus and system for actively turning coin.
Background technology
In the digital economy epoch, scientific and technological fast development and quick evolution push the deep of social economy and Industry Model
Variation.Especially in internet industry and field, innovative value and competitiveness, are constantly quickly expedited the emergence of caused by technology humanized power
All kinds of innovative product forms and service ability.New round scientific and technical innovation and technology upgrading are fully under way, and industry transformation will be generated
Profound influence.During electronization or digital cash circulate, stored value card just increasingly affects each of people's daily life
A aspect.
Stored value card common in the art is mostly such as Types Below：
1. the electronic or digitized wallet of the prior art is mostly to realize that wallet is account work(based on system of account
The extension of energy, wallet is an entrance or medium for account access in other words；
2. being 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 only
It is the cohesively managed for realizing card function, itself does not have the functions such as practical wallet payment, but the network payment of multiple cards is entered
Mouth function is packaged, and is realized that single entrance accesses, is simplified the complexity of user Duo Ka operations；
It is 3. corresponding using bit coin as the private quasi- digital cash of the one kind developed based on block chain technology of representative
Wallet is then 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
More like an address or private key safe deposit box, major function is keeping private key.
In process of the present invention is realized, inventor has found that at least there are the following problems in the prior art：
1. the wallet based on system of account, and the wallet of dependent, and it is to rely on original Accounting system.Therefore, these
The transaction of transaction, really behind Accounting system that wallet participates in, wallet is not practical in itself to store any practical fund or money
Production is intended only as the front end displaying of background account system accounting data and function；
2. stored value card existing for the aggregate ingress accessed as bank card or other card medias, wallet function are required for
It is corresponding to call the network application function that some specifically blocks to realize.The electricity of this polymeric type stored value card not at last truly
Sub- wallet, without the operation of direct fund and trading processing function；
3. using bit coin as the wallet based on block chain technology of representative, itself does not have the storage work(to fund or assets
Energy.This kind of wallet is full energy matries simultaneously, anyone can generate new wallet address, and pass through private key by digital asset
Any address is transferred to, mistake occurs once diverting the aim, then can not recover.
Invention content
In view of this, the embodiment of the present invention provides a kind of method, apparatus and system for actively turning coin, being capable of actual storage number
Word currency, and can realize that digital cash carries out being shifted by the digital cash that paying party is initiated between specific wallet and wallet
Mechanism.
To achieve the above object, one side according to embodiments of the present invention provides a kind of method for actively turning coin.
A kind of method for actively turning coin of the embodiment of the present invention includes：Coin is turned according to the generation of the gathering address information of recipient
Request；According to turn coin request to generate turn coin instruction；And according to turn coin instruct to recipient's wallet execution turn coin operation.
Optionally, before coin request is turned according to the generation of the gathering address information of recipient, the method for actively turning coin is also wrapped
It includes：Recipient's digital cash wallet terminal generation gathering address information.
Optionally, in the method for actively turning coin, recipient's digital cash wallet terminal generation gathering address information includes：It connects
Debit's digital cash wallet terminal generation gathering address information；After confirming that gathering address information is errorless, recipient's money is used
Packet private key signature gathering address information；And coin request is turned according to the generation of the gathering address information of recipient and is included：Verification signature
Gathering address information afterwards, after being verified, generation turns coin request.
Optionally, according to turn coin request to generate turn coin instruction include：Confirmation turn coin request it is errorless after, use paying party
Wallet private key signature turns coin request；And turn coin request after verification signature, after being verified, given birth to according to preset matching rule
It is instructed into coin is turned.
Optionally, according to turn coin instruct to recipient's wallet execution turn coin operation include：Confirmation turn coin instruction it is errorless it
Afterwards, turn coin using paying party wallet private key signature to instruct；And judge sign after turn coin instruction it is errorless after, execution turn coin
Operation.
Optionally, perform turn coin operation include：After judging that turning coin instructs corresponding gathering address information errorless, according to
Default payment strategy or self-defined payment strategy execution turn coin operation.
Optionally, gathering address information includes following at least one information：Information time stamp, validity information, recipient
Wallet mark, recipient's wallet certificate, recipient's user information, recipient's wallet correspond to wallet service provider information；Turn coin request
Including following at least one information：Recipient's wallet mark, recipient's user information, recipient's wallet correspond to wallet service provider letter
Breath, paying party wallet balances, the coin amount of money to be turned；And turn coin instruction and include following at least one information：Paying party wallet mark,
Paying party wallet certificate, recipient's wallet mark, recipient's wallet certificate, recipient's user information, recipient's wallet correspond to money
Packet service provider information turns the coin amount of money, turns coin word string list.
To achieve the above object, another aspect according to embodiments of the present invention provides a kind of device for actively turning coin.
A kind of device for actively turning coin of the embodiment of the present invention includes：Turn coin and request to generate module, for according to recipient
Gathering address information generation turn coin request；Turn coin directive generation module, for according to turn coin request to generate turn coin instruction；And
Execution module, for according to turn coin instruct to recipient's wallet execution turn coin operation.
Optionally, the device for actively turning coin further includes：Gathering address information generation module, in the receipts according to recipient
Before the generation of money address information turns coin request, generation gathering address information.
Optionally, gathering address information generation module is additionally operable to：Generation gathering address information；Confirming address information of collecting money
After errorless, recipient's wallet private key signature gathering address information is used；And turn coin and request to generate module to be additionally operable to：Verification label
Gathering address information after name, after being verified, generation turns coin request.
Optionally, turn coin directive generation module to be additionally operable to：Confirmation turn coin request it is errorless after, use paying party wallet private
Key signature turns coin request；And turn coin request after verification signature, after being verified, turn coin according to the generation of preset matching rule
Instruction.
Optionally, execution module is additionally operable to：Turn described in confirmation coin instruction it is errorless after, use paying party wallet private key label
Name turns coin instruction；And judge sign after turn coin instruction it is errorless after, execution turn coin operation.
Optionally, execution module is additionally operable to：After judging that turning coin instructs corresponding gathering address information errorless, according to pre-
If payment strategy or self-defined payment strategy execution turn coin operation.
Optionally, gathering address information includes following at least one information：Information time stamp, validity information, recipient
Wallet mark, recipient's wallet certificate, recipient's user information, recipient's wallet correspond to wallet service provider information；Turn coin request
Including following at least one information：Recipient's wallet mark, recipient's user information, recipient's wallet correspond to wallet service provider letter
Breath, paying party wallet balances, the coin amount of money to be turned；And turn coin instruction and include following at least one information：Paying party wallet mark,
Paying party wallet certificate, recipient's wallet mark, recipient's wallet certificate, recipient's user information, recipient's wallet correspond to money
Packet service provider information turns the coin amount of money, turns coin word string list.
To achieve the above object, aspect again according to embodiments of the present invention, provides a kind of system for actively turning coin.
A kind of system for actively turning coin of the embodiment of the present invention includes recipient's digital cash wallet terminal, recipient's number
Currency wallet server-side, paying party digital cash wallet terminal, paying party digital cash wallet server-side, Register, wherein：
Gathering address information is sent to paying party number goods by recipient's digital cash wallet terminal for generating gathering address information
Coin wallet terminal；Paying party digital cash wallet terminal is used to turn coin request, and according to described according to gathering address information generation
Turn coin request to generate turn coin instruction, then by it is described turn coin instruction be sent to paying party digital cash wallet server-side；Paying party
Digital cash wallet server-side turns whether coin instruction is errorless for judge to receive, and will determine that the errorless coin instruction that turns is sent
To Register；Register turns coin operation for performing, and will turn coin result and be back to recipient's digital cash wallet service
End and/or paying party digital cash wallet server-side.
Optionally, recipient's digital cash wallet terminal includes receiving side terminal wallet contract function execution module and reception
Square terminal security module, paying party digital cash wallet terminal include payer terminal wallet contract function execution module and payment
Square terminal security module, wherein：Receiving side terminal wallet contract function execution module shows for generating gathering address information
Gathering address information is so that recipient user confirms gathering address information and receiving side terminal security module is signed
Gathering address information later is sent to payer terminal wallet contract function execution module；Receiving side terminal security module is used for
After recipient user confirms that gathering address information is errorless, recipient's wallet private key signature gathering address information is used；Payment
Square terminal wallet contract function execution module is for verifying the gathering address information after the signature received, after being verified
Generation turns coin request, and shows and turn coin request so that paying party user confirms to turning coin request, after then will confirm that
Turn coin request be sent to payer terminal security module sign and verification payer terminal security module signature after
Turn coin to ask after passing through, turn coin instruction according to the generation of preset matching rule and payer terminal security module is signed it
The coin instruction that turns afterwards is sent to paying party digital cash wallet server-side；Payer terminal security module is used in paying party user
Confirmation turn coin request it is errorless after, using paying party wallet private key signature turn coin request and paying party user confirm turn coin
Instruct it is errorless after, using paying party wallet private key signature turn coin instruct.
Optionally, Register is before execution turns coin operation, and it is whether correct and to connecing to be additionally operable to judge to turn coin instruction
Whether correct turn the corresponding gathering address information of coin instruction described in the request judgement of debit's digital cash wallet server-side.
One embodiment in foregoing invention has the following advantages that or advantageous effect：Because using based on digital cash wallet
Technology, docked with digital cash issuer system, realize the technological means for actively turning coin to specific gathering address, institute
To overcome stored value card not actual storage currency, and goods cannot be shifted between specific gathering address and address in the prior art
The technical issues of coin, and then reach digital cash and digitizing, stored safely, and can pacify to particular address in the wallet of independent
Entirely, actively turn the technique effect of coin；Gathering address information is generated by using recipient's digital cash wallet terminal, so as to
Coin demand, convenient, accurate offer gathering address information are actively turned according to paying party；Gathering ground is confirmed by recipient user
After location information is errorless, the address information and in paying party digital cash money of collecting money described in recipient's wallet private key signature is utilized
After packet terminal receives gathering address information, verification gathering address information, so as to ensure the gathering address information of generation
Accuracy, and the safety for the address information transmission that ensures to collect money actively turns the process of exchange of coin with protection；By in basis
Turn coin request to generate turn coin instruction during, paying party user confirm turn coin request it is errorless after, turn described in signature coin please
It asks and turns coin request after the signature is verified before generation turns coin instruction, turn coin solicited message so as to ensure
Accuracy, and ensure and turn coin request and the safety of command information transmission process；By by it is described turn coin instruction be sent to
During Register turn coin operation, the correctness after constantly judging to turn coin instruction often transfer being primary, so as to
Ensure that information is not tampered in transfer instruction transfer process；By before execution turns coin operation, being serviced by recipient's wallet
Quotient judges that turning coin instruction corrects errors to account due address information, so as to finally ensure actively to turn the accurate of the purpose wallet of coin
Property；By turning coin according to default payment strategy or self-defined payment strategy execution and operating, so as to ensure actively to turn coin operation
The standardization and sequencing of flow ensure the final power of digital cash after the accurate registration and transfer of digital cash transfer process
Belong to；The embodiment of the present invention actively turns the overall flow of coin based on terminal (such as mobile terminal) local security for meeting safety requirements
The function of module is supported, establishes a whole set of complete private key establishment, certificate generates, signs and verify the safeguard protection machine used
System, and on this basis, the complete technical solution for actively turning coin to specific wallet address is provided, pacified based on complete wallet terminal
All risk insurance protection mechanism is included in the protection of the underlying securities such as Private key management, authentication, certificate signature and is grasped for wallet terminal
Make full-range safeguard protection so that entire actively to turn coin operation and more efficient, the more existing stored value card of process of exchange protection
For, greatly enhance the protection abilities of transferring money.
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 schematic diagram of the key step of the method for actively turning coin according to embodiments of the present invention；
Fig. 2 is the schematic diagram of the chief component of the system for actively turning coin according to embodiments of the present invention；
Fig. 3 is the schematic diagram of the main modular of the device for actively turning coin 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.
Digital cash is by a series of legal tender of string representations, at present it is generally acknowledged that digital cash is by central silver
Row distribution or the Central Bank authorize distribution, to represent legal tender of the encrypted numeric string as the form of expression of the specific amount of money, wrap
Include the amount of money, publisher's mark and the owner's mark of digital cash.Digital cash structure in computer technology ripe now and
On the platform of Internet technology, by being issued as the Central Bank of digital cash core system and the field that circulates.
Based on many limitations of electronic wallet in the prior art, carried out in the embodiment of the present invention using digital cash wallet
The safety storage of digital cash and flow-through operation.Digital cash wallet can be associated binding with traditional account system, so as to
Can digital cash wallet be opened based on the user identity of existing account system, realize existing financial infrastructure and the nothing of user
Difference sexual experience peace, which slips over, crosses, and facilitates and realize getting through for various different application scenes, is conducive to digital cash and extensively should
With.
In addition, the only application for being located at mobile terminal mostly of existing stored value card and digital wallet, is not independence
Wallet nor digitized entity wallet, relies on the Accounting system on backstage.Unlike the prior art, the present invention is implemented
The digital cash wallet of example is then completely independent terminal wallet, is the carrier of practical storage encryption digital cash, with encrypted word
Digital cash existing for string form is recorded in digital cash terminal wallet, and digital cash carries out very between digital cash wallet
Real-turn moves, and is virtual entity wallet truly, does not depend on the Accounting system on backstage, and can equally be based on terminal
Various wallet application functions are provided on the basis of localization entity wallet.
In addition, in terms of safety protecting mechanism, existing stored value card is also to rely on backstage on safety protecting mechanism
System lacks effective, complete safety protecting mechanism in terms of wallet terminal.It is of the invention then be based entirely on wallet terminal, it carries
The safety protecting mechanism that a whole set of has been supplied to localize, does not depend on background system, does not depend on other mechanisms.While the present invention provides
Complete set, operation whole process safety protecting mechanism in digital cash terminal wallet, are capable of the entire wallet of effective protection
Operation and trading processing process greatly enhance the protection abilities of wallet.
In the embodiment of the present invention, digital cash wallet is directed under digital economy more safely and conveniently digital cash wallet
Terminal applies demand is brought more efficient with reference to financial infrastructure electronization and networking continuous improvement, communication technology advances
System interconnection and the burgeoning digital metaplasia of integrated, the completely new digital cash based on block chain and digital asset technical support
It is complete that state such as gradually forms at the driving factors, a kind of completely new digital cash storage, operation, application service and the integrated management of proposition etc.
The secure digital wallet of aspect function support.
To sum up, in the embodiment of the present invention, the basis of digital cash wallet is the digital cash using encryption technology as core, because
And different from the stored value card based on system of account.Digital cash terminal wallet is it is emphasised that the wallet of terminal disposition simultaneously, and
Front end displaying and the operation interface being not based on except network core billing and accounting system, the terminal wallet are based on terminal operating environment
The local security module and operating system that (such as mobile terminal etc.) provides provide the operation of independent wallet and the work(of entirely localization
It can support.Finally, digital cash terminal wallet must also meet the management requirement of digital cash issuer, and with existing account
Family system is got through, and realization is merged with financial infrastructure.Thus digital cash wallet is as a kind of completely new design, both
The token money of valueless support and issuer's management different from the wallet based on account, this also different from similar bit coin
Packet, but really be able to substitute traditional commodity money, complete payment and support other finance and business demands, towards digital cash
The virtual entity wallet of application.
Using the digital cash wallet of the embodiment of the present invention, it disclosure satisfy that digital cash issuer requires, and can be with
Digital cash issuer system docking is really towards the terminal wallet of encryption digital cash；It is unlike block chain token money
Packet only manages private key, but supports that generation is compared in foundation in the function for the terminal local security module that disclosure satisfy that safety requirements
The safety protecting mechanism of the more complete private key of coin wallet, authentication and certificate signature, and be capable of providing on this basis abundant
Wallet application function.
Fig. 1 is the schematic diagram of the key step of the method for actively turning coin according to embodiments of the present invention, as shown in Figure 1, this
The method for actively turning coin of inventive embodiments mainly includes the following steps：
Step S101：Coin request is turned according to the generation of the gathering address information of recipient.The purpose of this step is that basis connects
The gathering address information generation received turns coin request.
In the embodiment of the present invention, before coin request is turned according to the generation of the gathering address information of recipient, it can also include
The step of recipient's digital cash wallet terminal generation gathering address information.Specifically, the step of generation gathering address information
It can include：Recipient's digital cash wallet terminal actively turns the demand generation gathering address information of coin according to paying party；And
After recipient user confirms that gathering address information is errorless, recipient's wallet private key signature gathering address information is used.
Paying party digital cash wallet terminal is after the gathering address information of recipient is received, the receipts after verification signature
Money address information, after being verified, generation turns coin request.
Step S102：According to it is described turn coin request to generate turn coin instruction.Paying party user confirm turn coin request it is errorless it
Afterwards, using paying party wallet private key signature, this turns coin request to paying party digital cash terminal.Then turn coin after verification is signed
After request passes through, turn coin instruction according to the generation of preset matching rule.
Step S103：According to it is described turn coin instruct to recipient's wallet execution turn coin operation.Confirm in paying party user and turn
After coin instruction is errorless, turns coin using paying party wallet private key signature and instruct；After judging that signature is errorless, digital cash distribution
The Register of registration unit, which performs, turns coin operation.The transmission of paying party digital cash wallet terminal can be included by, which judging herein, turns coin
Judge before instruction, can also be judged including paying party wallet service provider, digital cash can also be included and find tell-table
The Register of structure judges.
In the embodiment of the present invention, recipient's digital cash wallet service provider can also be included and judge that turning coin instructs corresponding receipts
Whether money address information errorless, judge it is errorless after, according to it is default payment strategy or it is self-defined payment strategy execution turn coin operation.
In the embodiment of the present invention, gathering address information includes following at least one information：Information time stamp, information are effective
Phase, recipient's wallet mark, recipient's wallet certificate, recipient's user information, recipient's wallet correspond to wallet service provider information；
Turn coin request and include following at least one information：Recipient's wallet mark, recipient's user information, recipient's wallet correspond to wallet
Service provider's information, paying party wallet balances, the coin amount of money to be turned；And turn coin instruction and include following at least one information：Paying party
Wallet mark, paying party wallet certificate, recipient's wallet mark, recipient's wallet certificate, recipient's user information, recipient's money
The corresponding wallet service provider information of packet turns the coin amount of money, turns coin word string list.
Fig. 2 is the schematic diagram of the chief component of the system for actively turning coin according to embodiments of the present invention.Such as Fig. 2 institutes
Show, the system 200 for actively turning coin of the embodiment of the present invention is mainly made of such as lower part：Recipient's digital cash wallet terminal
201st, recipient's digital cash wallet server-side 202, paying party digital cash wallet terminal 203, paying party digital cash wallet
Server-side 204, Register 205.
Wherein, recipient's digital cash wallet terminal 201 can be used for generation gathering address information, and the address information that will collect money
It is sent to paying party digital cash wallet terminal 203；
Paying party digital cash wallet terminal 203 can be used for according to gathering address information generation turns coin request, and according to turn
Coin, which requests to generate, turns coin instruction, then will turn coin instruction and be sent to paying party digital cash wallet server-side 204；
Whether coin instruction that paying party digital cash wallet server-side 204 can be used for judging to receive turn is errorless, and will sentence
The disconnected errorless coin instruction that turns is sent to Register 205；
Register 205, which can be used for performing, turns coin operation, and will turn coin result and be back to recipient's digital cash wallet clothes
Business end 202 and/or paying party digital cash wallet server-side 204.
In embodiments of the present invention, recipient's digital cash wallet terminal 201 can include receiving side terminal wallet contract
Function execution module and receiving side terminal security module (not shown), paying party digital cash wallet terminal 203 include paying
Money side's terminal wallet contract function execution module and payer terminal security module (not shown), wherein：Receiving side terminal
Wallet contract function execution module shows gathering address information so that recipient user is to receiving for generating gathering address information
Gathering address information after money address information is confirmed and receiving side terminal security module is signed is sent to paying party
Terminal wallet contract function execution module；Receiving side terminal security module be used for recipient user confirm gathering address information without
After accidentally, recipient's wallet private key signature gathering address information is used；Payer terminal wallet contract function execution module is used for
Verify the gathering address information after the signature that receives, after being verified generation turn coin request, and show turn coin request with
Just paying party user confirms to turning coin request, and the coin request that turns after then will confirm that is sent to the safe mould of payer terminal
Block sign and verification payer terminal security module signature after turn coin request pass through after, according to preset matching
The coin instruction that turns after rule generation turns coin instruction and payer terminal security module is signed is sent to paying party number goods
Coin wallet server-side；Payer terminal security module be used for paying party user confirm turn coin request it is errorless after, use payment
Square wallet private key signature turn coin request and paying party user confirm turn coin instruction it is errorless after, use paying party wallet private
Key signature turns coin instruction.
In addition, Register 205 execution turn coin operation before, it may also be used for judgement turn coin instruction whether it is correct and
It is whether correct to the corresponding gathering address information of coin instruction is turned described in recipient's digital cash wallet server-side request judgement.
In the embodiment of the present invention, process that digital cash wallet actively turns coin is substantially exactly digital cash paying party by paying
The gathering address that the wallet contract function execution module of money side's digital cash wallet terminal is actively provided to digital cash recipient
Shift the process of digital cash.Specifically, digital cash recipient generates a gathering by the digital cash wallet of oneself
Address information, i.e. recipient's wallet address, are sent to the digital cash wallet of paying party, and paying party utilizes the digital cash of oneself
Wallet is sent to paying party wallet service provider turns coin instruction, and issue registration unit by digital cash and be finally completed and turn coin behaviour
Make, and paying party and recipient are sent to coin result is turned.
The flow for actively turning coin of the embodiment of the present invention is described in detail below in conjunction with Fig. 2：
1. paying party user logs in the local digital currency wallet of oneself, performed into payer terminal wallet contract function
Module prepares payment；Recipient user logs in the local digital currency wallet of oneself simultaneously, into receiving side terminal wallet contract
Function execution module (is collected money, provide gathering address information) for initiation with digital cash；
2. terminal wallet contract function execution module generation gathering address information (gathering address information of recipient user
Following at least one information can be included：Timestamp information, term of validity information, recipient's wallet mark, recipient's wallet certificate,
Recipient's user information, recipient's wallet correspond to wallet service provider information)；
3. the terminal wallet contract function execution module display gathering address information of recipient user, waits for recipient user
Confirm；
4. recipient user confirms gathering address information, the terminal wallet contract function execution module of recipient user will be true
Gathering address information after recognizing is sent to terminal security module；
5. the terminal security module wallet private key signature gathering address information of recipient user is simultaneously sent to recipient's use
The terminal wallet contract function execution module at family；
6. the gathering address information after signature is passed through payment by the terminal wallet contract function execution module of recipient user
The terminal wallet contract function that information transfer channel between the two wallet terminals in side and recipient is sent to paying party user is held
Row module；
7. the terminal wallet contract function execution module of paying party user obtains recipient's gathering address information, reception is used
The recipient's wallet public key included in square wallet certificate verifies the gathering address information after signature, believes including timestamp
Breath, term of validity information, recipient's wallet identity verification, after being verified generation turn coin request (this turn coin request in include at least
A kind of following information：Recipient's wallet mark, recipient's user information, recipient wallet corresponding with service quotient information, paying party money
Packet remaining sum, the coin amount of money to be turned), and shown to paying party user, paying party user, which confirms, turns coin request, and input turns the coin amount of money；
8. terminal wallet contract function execution module is after payer terminal security module Sending Payments side user confirms
Turn coin request；
9. payer terminal security module wallet private key signature turns coin request, and the coin request that turns after signature is sent to
Payer terminal wallet contract function execution module；
10. payer terminal wallet contract function execution module is verified to turning coin solicited message signature, verify simultaneously
Turn the coin amount of money no more than paying party wallet balances.Then according to preset matching rule, matching turns coin word string list, and generation turns coin and refers to
It enables.In the embodiment of the present invention, preset matching rule can be matched or matched from big to small from small to large.Example
It, then can according to matching rule from small to large to 5 yuan of payment such as three digital cash for thering is face amount to be respectively 2,3,5 in wallet
To be selected since 2, then the digital cash finally selected for payment is 2 and 3 corresponding word strings；It can also be according to from big to small
Matching rule first selects the digital cash word string of maximum face amount to be paid, i.e. 5 corresponding word string of digital cash.In addition this hair
Bright embodiment turns in coin instruction including at least a kind of following information：Paying party wallet identifies and paying party wallet certificate, reception
Square wallet mark, recipient's wallet certificate, recipient's user information, recipient's wallet correspond to wallet service provider information, turn coin gold
Volume turns coin word string list；
11. payer terminal wallet contract function execution module is shown to paying party user turns coin instruction, paying party is waited for
User confirms；
12. paying party user, which confirms, turns coin instruction；
13. payer terminal wallet contract function execution module is true to payer terminal security module Sending Payments side user
Turn coin instruction after recognizing.Payer terminal security module verification paying party wallet mark and certificate turn coin instruction, with wallet private
Key is signed to turning coin instruction, and the terminal wallet contract function of being sent to paying party user is instructed to perform the coin that turns of signature
Module；
14. the verification of payer terminal wallet contract function execution module turns coin instruction signing messages, send signature turns coin
It instructs to the wallet service system of paying party wallet service provider；
15. the wallet service system verification of paying party wallet service provider turns coin instruction signing messages, taken to paying party wallet
The core system transmission of business quotient's digital cash turns coin and instructs, service provider's wallet service system and service quotient word in the embodiment of the present invention
Currency core system belongs to digital cash wallet server-side；
16. the verification of paying party digital cash core system turns coin instruction signing messages, transmission turns coin instruction, request transfer number
Word currency；
17. Register's verification of digital cash distribution registration unit turns coin instruction signing messages, according to recipient's wallet
Corresponding wallet service provider information sends gathering address information to be verified, and (gathering address information to be verified is corresponded to comprising recipient's wallet
Wallet service provider information, recipient's wallet mark and wallet certificate, recipient's user information)；
18. the digital cash core system verification gathering address information of recipient's wallet service provider, confirmation recipient user,
Wallet identifies and certificate, wallet service provider information matches are errorless, and returns to verification result to digital cash distribution registration unit；
19. the Register of digital cash distribution registration unit acknowledge receipt of verification result it is errorless after, Register is by pre-
If payment strategy or self-defined payment strategy carry out turning coin operation.In the embodiment of the present invention, preset payment strategy can include into
Row is to following Information Authentication：Whether the total value for turning coin word string list gone out according to abovementioned steps 10 according to preset matching rule match
Not less than turn the coin amount of money and verification whether turn word string in coin word string list effective etc., if turning the total value of coin word string list not
Less than the coin amount of money is turned, and all word strings are all effective, then carry out turning coin operation.Self-defined payment strategy refers to can be according to payment
The payment strategy that square user changes formulation temporarily is verified and is paid.In addition, in the embodiment of the present invention, turn coin operation and specifically may be used
To include completing digital cash registration and the really relevant operations such as power.Such as digital cash word string to be transferred is selected, carry out old coin work
Useless registration produces new coin registration, sets new coin ownership, and completes accordingly to register and synchronous really power chain.
It is held in addition, the Register for turning digital cash distribution registration unit after coin operation is completed can also will turn coin transfer
Row result returns to paying party wallet service provider digital cash core system, and to recipient's wallet service provider digital cash core
System, which is sent, to be received to turn coin implementing result.Wherein, return turn coin transfer implementing result include execution state, transfer the amount of money, cancel
Old coin tandem table, the new coin list for being transferred to recipient's wallet, the new coin list for giving paying party wallet for change；Receiving turns coin implementing result
It is identified including paying party wallet and corresponds to wallet service provider information with certificate, paying party wallet, recipient's wallet corresponds to wallet service
Quotient's information, recipient's wallet mark and certificate receive the amount of money, receive the list of digital cash word string and " give payment for change with aforementioned
The old coin tandem table of the corresponding calcellation of the new coin list of square wallet ".
Specifically, will turn coin transfer implementing result, to return to paying party wallet service provider digital cash core system specific
It can include following operation：
The digital cash core system of 19.a1. paying party wallets service provider receive and forward coin transfer implementing result to
The wallet service system of paying party wallet service provider；
The wallet service system reception of 19.a2. paying party wallets service provider turns coin transfer implementing result, the verification transfer amount of money
New coin list with being transferred to recipient's wallet returns with the poor whether consistent of the new coin list amount of money given for change and turns the payment of coin operating result
Money method, subscriber terminal wallet contract function execution module；
19.a3. payer terminal wallet contract functions execution module verification digital cash distribution registration unit signs and turns
Move the amount of money and be transferred to that the new coin list of beneficiary is consistent with the difference for giving the new coin list amount of money for change, and store receive give new coin string for change
List shows to paying party user and turns coin operation result information.
Turning coin implementing result to the digital cash core system transmission receiving of recipient's wallet service provider can specifically be included such as
Lower operation：
The digital cash core system of 19.b1. recipient's wallet service provider sends wallet and collects money result information to recipient
The wallet service system of wallet service provider；
The wallet service system of 19.b2. recipient's wallet service provider receives gathering as a result, verification receives the amount of money with receiving number
The word currency word string list amount of money is consistent, sends wallet gathering result information and performs mould to method, subscriber terminal wallet contract function is received
Block；
19.b3. receives method, subscriber terminal wallet contract function execution module verification digital cash distribution registration unit signature
It is consistent with receiving the digital cash word string list amount of money with the verification reception amount of money, and the new coin tandem table received is stored, to recipient
User shows wallet gathering result.
So far, the technical solution for actively turning coin of the embodiment of the present invention is completed and is carried out between terminal wallet and terminal wallet
Actively transfer accounts the process of digital cash metastasis, generated including payment instruction therein, amount control, payment transaction processing,
Registration unit is issued by digital cash and carries out the relevant realities such as ownership transfer and really power are registered, payment completion digital cash is sent
Existing process.In above-mentioned realization flow, each step devises safety protecting mechanism, thus entire safety protecting mechanism and flow
Closely, it is completely combined.
The technical solution for actively turning coin according to embodiments of the present invention can be seen that because using based on digital cash wallet
Technology, docked with digital cash issuer system, realize the technological means for actively turning coin to specific gathering address, institute
To overcome stored value card not actual storage currency, and goods cannot be shifted between specific gathering address and address in the prior art
The technical issues of coin, and then reach digital cash and digitizing, stored safely, and can pacify to particular address in the wallet of independent
Entirely, actively turn the technique effect of coin；Gathering address information is generated by using recipient's digital cash wallet terminal, so as to
Coin demand, convenient, accurate offer gathering address information are actively turned according to paying party；Gathering ground is confirmed by recipient user
After location information is errorless, the address information and in paying party digital cash money of collecting money described in recipient's wallet private key signature is utilized
After packet terminal receives gathering address information, verification gathering address information, so as to ensure the gathering address information of generation
Accuracy, and the safety for the address information transmission that ensures to collect money actively turns the process of exchange of coin with protection；By in basis
Turn coin request to generate turn coin instruction during, paying party user confirm turn coin request it is errorless after, turn described in signature coin please
It asks and turns coin request after the signature is verified before generation turns coin instruction, turn coin solicited message so as to ensure
Accuracy, and ensure and turn coin request and the safety of command information transmission process；By by it is described turn coin instruction be sent to
During Register turn coin operation, the correctness after constantly judging to turn coin instruction often transfer being primary, so as to
Ensure that information is not tampered in transfer instruction transfer process；By before execution turns coin operation, being serviced by recipient's wallet
Quotient judges that turning coin instruction corrects errors to account due address information, so as to finally ensure actively to turn the accurate of the purpose wallet of coin
Property；By turning coin according to default payment strategy or self-defined payment strategy execution and operating, so as to ensure actively to turn coin operation
The standardization and sequencing of flow ensure the final power of digital cash after the accurate registration and transfer of digital cash transfer process
Belong to；The embodiment of the present invention actively turns the overall flow of coin based on terminal (such as mobile terminal) local security for meeting safety requirements
The function of module is supported, establishes a whole set of complete private key establishment, certificate generates, signs and verify the safeguard protection machine used
System, and on this basis, the complete technical solution for actively turning coin to specific wallet address is provided, pacified based on complete wallet terminal
All risk insurance protection mechanism is included in the protection of the underlying securities such as Private key management, authentication, certificate signature and is grasped for wallet terminal
Make full-range safeguard protection so that entire actively to turn coin operation and more efficient, the more existing stored value card of process of exchange protection
For, greatly enhance the protection abilities of transferring money.
Fig. 3 is the schematic diagram of the main modular of the device for actively turning coin according to embodiments of the present invention.As described in Figure 3, originally
The device 300 for actively turning coin in inventive embodiments mainly includes following module：
Turn coin and request to generate module 301, available for turning coin request according to the generation of the gathering address information of recipient；Turn coin to refer to
Enable generation module 302, available for according to turn coin request to generate turn coin instruction；And execution module 303, turn coin available for basis and refer to
It enables to the execution of recipient's wallet and turns coin operation.
The device 300 for actively turning coin in the embodiment of the present invention may also include：Address information of collecting money generation module is (in figure not
Show), for before coin request is turned according to the generation of the gathering address information of recipient, generating gathering address information.
Gathering address information generation module can be additionally used in：Generation gathering address information；And confirming the gathering address
After information is errorless, address information of collecting money described in recipient's wallet private key signature is used；It is corresponding to it, turns coin and request to generate module
301 can be additionally used in：Gathering address information after verification signature, after being verified, generation turns coin request.
Turn coin directive generation module 301 can be additionally used in：Turn described in confirmation coin request it is errorless after, use paying party wallet
Private key signature turns coin request；And turn coin request after verification signature, after being verified, turn according to the generation of preset matching rule
Coin instructs.
In addition, execution module 303 can be additionally used in：Confirmation turn coin instruction it is errorless after, use paying party wallet private key label
Name turns coin instruction；And judge sign after turn coin instruction it is errorless after, execution turn coin operation.
Execution module 303 can be additionally used in：After judging that turning coin instructs corresponding gathering address information errorless, according to default
Payment strategy or self-defined payment strategy execution turn coin operation.
In the device 300 for actively turning coin in the embodiment of the present invention, gathering address information includes following at least one information：
Information time stamp, validity information, recipient's wallet mark, recipient's wallet certificate, recipient's user information, recipient's wallet
Corresponding wallet service provider information；Turn coin request and include following at least one information：Recipient's wallet mark, recipient user's letter
Breath, recipient's wallet correspond to wallet service provider information, paying party wallet balances, the coin amount of money to be turned；And turn coin instruction and include such as
Lower at least one information：Paying party wallet mark, recipient's wallet certificate, connects paying party wallet certificate, recipient's wallet mark
Debit's user information, recipient's wallet correspond to wallet service provider information, turn the coin amount of money, turn coin word string list.
From the above, it can be seen that because of the technology based on digital cash wallet of use, with digital cash issuer
System is docked, and is realized to specific gathering address and is actively turned the technological means of coin, so overcoming electronic money in the prior art
Packet not actual storage currency, and cannot be between specific gathering address and address the technical issues of transferring money, and then reach several
Word currency is being digitized, is being stored safely in the wallet of independent, and can turn the technique effect of coin safely, actively to particular address；
Gathering address information is generated by using recipient's digital cash wallet terminal, so as to actively turn coin need according to paying party
It asks, it is convenient, accurate that gathering address information is provided；After confirming that gathering address information is errorless by recipient user, using connecing
Address information of collecting money described in debit's wallet private key signature and paying party digital cash wallet terminal receive gathering address letter
After breath, verification gathering address information so as to ensure the accuracy of the gathering address information of generation, and ensures gathering ground
The safety of location information transmission actively turns the process of exchange of coin with protection；By according to turn coin request to generate turn coin instruct
In the process, paying party user confirm turn coin request it is errorless after, turn coin request described in signature and turn coin in generation and instruct it
The preceding coin that turns verified after the signature is asked, and turns coin request so as to ensure the accuracy for turning coin solicited message, and ensure
With the safety of command information transmission process；By the way that the coin that turns is being instructed the mistake for being sent to Register and turn coin operation
Cheng Zhong constantly judges to turn the correctness after coin instruction often transfer once, so as to ensure to believe in transfer instruction transfer process
Breath is not tampered；By before execution turns coin operation, judging to turn coin instruction to account due by recipient's wallet service provider
Location information is corrected errors, so as to finally ensure actively to turn the accuracy of the purpose wallet of coin；By according to default payment strategy
Or self-defined payment strategy execution turns coin operation, so as to ensure actively to turn the standardization and sequencing of coin operating process, protects
The final ownership of digital cash after hindering the accurate registration of digital cash transfer process and shifting；The embodiment of the present invention actively turns coin
Function of the overall flow based on terminal (such as mobile terminal) the local security module for meeting safety requirements support, it is whole to establish one
Complete private key is covered to create, certificate generation, sign and verify the safety protecting mechanism used, and on this basis, provide to spy
Deposit packet address actively turns the complete technical solution of coin, based on complete wallet terminal security protection mechanism, is included in private key pipe
The underlying securities such as reason, authentication, certificate signature are protected and for the full-range safeguard protections of wallet terminal operation so that
Entirely actively turn coin operation and process of exchange protection is more efficient, for more existing stored value card, greatly enhance and turn
Move the protection abilities of currency.
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 (17)
- A kind of 1. method for actively turning coin, which is characterized in that including：Coin request is turned according to the generation of the gathering address information of recipient；According to it is described turn coin request to generate turn coin instruction；AndAccording to it is described turn coin instruct to recipient's wallet execution turn coin operation.
- It 2. according to the method described in claim 1, it is characterized in that, please turning coin according to the generation of the gathering address information of recipient Before asking, the method further includes：Recipient's digital cash wallet terminal generation gathering address information.
- 3. according to the method described in claim 1, it is characterized in that, in the method,Recipient's digital cash wallet terminal generation gathering address information includes：Recipient's digital cash wallet terminal generation gathering address information；After confirming that the gathering address information is errorless, address information of collecting money described in recipient's wallet private key signature is used；With AndTurn coin request according to the generation of the gathering address information of recipient to include：Gathering address information after verification signature, after being verified, generation turns coin request.
- 4. according to the method described in claim 1, it is characterized in that, according to it is described turn coin request to generate turn coin instruction include：Turn described in confirmation coin request it is errorless after, using turn described in paying party wallet private key signature coin ask；AndTurn coin request after verification signature, after being verified, turn coin instruction according to the generation of preset matching rule.
- 5. it according to the method described in claim 1, it is characterized in that, is instructed according to the coin that turns to recipient's wallet execution Turn coin operation to include：Turn described in confirmation coin instruction it is errorless after, using turn described in paying party wallet private key signature coin instruct；AndJudge sign after turn coin instruction it is errorless after, execution turn coin operation.
- 6. according to the method described in claim 5, include it is characterized in that, performing and turning coin operation：After turning coin described in judgement and instructing corresponding gathering address information errorless, according to default payment strategy or self-defined payment Strategy execution turns coin operation.
- 7. according to the method described in claim 1, it is characterized in that,The gathering address information includes following at least one information：Information time stamp, validity information, recipient's wallet mark Knowledge, recipient's wallet certificate, recipient's user information, recipient's wallet correspond to wallet service provider information；The coin that turns asks to include following at least one information：Recipient's wallet mark, recipient's user information, recipient's wallet Corresponding wallet service provider information, paying party wallet balances, the coin amount of money to be turned；AndThe coin that turns is instructed including following at least one information：Paying party wallet mark, paying party wallet certificate, recipient's wallet Mark, recipient's wallet certificate, recipient's user information, recipient's wallet correspond to wallet service provider information, turn the coin amount of money, turn coin Word string list.
- 8. a kind of device for actively turning coin, which is characterized in that including：Turn coin and request to generate module, for turning coin request according to the generation of the gathering address information of recipient；Turn coin directive generation module, for according to described in turn coin request to generate turn coin instruction；AndExecution module, for according to described in turn coin instruct to recipient's wallet execution turn coin operation.
- 9. device according to claim 8, which is characterized in that described device further includes：Gathering address information generation module, For before coin request is turned according to the generation of the gathering address information of recipient, generating gathering address information.
- 10. device according to claim 8, which is characterized in that the gathering address information generation module is additionally operable to：Generation gathering address information；After confirming that the gathering address information is errorless, address information of collecting money described in recipient's wallet private key signature is used；With AndIt is described to turn coin and request to generate module to be additionally operable to：Gathering address information after verification signature, after being verified, generation turns coin request.
- 11. device according to claim 8, which is characterized in that the coin directive generation module that turns is additionally operable to：Turn described in confirmation coin request it is errorless after, using turn described in paying party wallet private key signature coin ask；AndTurn coin request after verification signature, after being verified, turn coin instruction according to the generation of preset matching rule.
- 12. device according to claim 8, which is characterized in that the execution module is additionally operable to：Turn described in confirmation coin instruction it is errorless after, using turn described in paying party wallet private key signature coin instruct；AndJudge sign after turn coin instruction it is errorless after, execution turn coin operation.
- 13. device according to claim 12, which is characterized in that the execution module is additionally operable to：After turning coin described in judgement and instructing corresponding gathering address information errorless, according to default payment strategy or self-defined payment Strategy execution turns coin operation.
- 14. device according to claim 8, which is characterized in thatThe gathering address information includes following at least one information：Information time stamp, validity information, recipient's wallet mark Knowledge, recipient's wallet certificate, recipient's user information, recipient's wallet correspond to wallet service provider information；The coin that turns asks to include following at least one information：Recipient's wallet mark, recipient's user information, recipient's wallet Corresponding wallet service provider information, paying party wallet balances, the coin amount of money to be turned；AndThe coin that turns is instructed including following at least one information：Paying party wallet mark, paying party wallet certificate, recipient's wallet Mark, recipient's wallet certificate, recipient's user information, recipient's wallet correspond to wallet service provider information, turn the coin amount of money, turn coin Word string list.
- 15. a kind of system for actively turning coin, which is characterized in that including recipient's digital cash wallet terminal, recipient's number goods Coin wallet server-side, paying party digital cash wallet terminal, paying party digital cash wallet server-side, Register, wherein：The gathering address information is sent to by recipient's digital cash wallet terminal for generating gathering address information Paying party digital cash wallet terminal；The paying party digital cash wallet terminal is used to turn coin request, and according to described according to the gathering address information generation Turn coin request to generate turn coin instruction, then by it is described turn coin instruction be sent to paying party digital cash wallet server-side；The paying party digital cash wallet server-side for judge to receive whether turn coin instruction errorless, and will determine that errorless Turn coin instruction be sent to Register；The Register turns coin operation for performing, and will turn coin result and be back to recipient's digital cash wallet server-side And/or paying party digital cash wallet server-side.
- 16. system according to claim 15, which is characterized in that recipient's digital cash wallet terminal includes receiving Square terminal wallet contract function execution module and receiving side terminal security module, the paying party digital cash wallet terminal include Payer terminal wallet contract function execution module and payer terminal security module, wherein：The receiving side terminal wallet contract function execution module shows the gathering address for generating gathering address information After information confirms to the gathering address information so as to recipient user and receiving side terminal security module is signed Gathering address information be sent to payer terminal wallet contract function execution module；The receiving side terminal security module is used for after recipient user confirms that gathering address information is errorless, uses recipient It collects money described in wallet private key signature address information；Gathering address information after the signature that the payer terminal wallet contract function execution module receives for verification, It is verified to generate later and turns coin request, and turn coin request described in display so that paying party user asks progress true in the coin that turns Recognize, after then will confirm that turn coin request be sent to payer terminal security module sign and verification paying party The coin that turns after terminal security module is signed is asked after passing through, and is turned coin instruction according to the generation of preset matching rule and will be paid the bill The coin instruction that turns after square terminal security module signature is sent to paying party digital cash wallet server-side；The payer terminal security module be used for paying party user confirm turn coin request it is errorless after, use paying party wallet Turn described in private key signature coin request and paying party user confirm described in turn coin instruction it is errorless after, use paying party wallet Private key signature turns coin instruction.
- 17. system according to claim 15, which is characterized in that the Register is before execution turns coin operation, also For judge to turn coin instruction it is whether correct and to recipient's digital cash wallet server-side request judge described in turn coin and refer to Enable corresponding gathering address information whether correct.
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| CN201711455116.4A CN108256841A (en) | 2017-12-28 | 2017-12-28 | Actively turn the method, apparatus and system of coin |
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| CN201711455116.4A CN108256841A (en) | 2017-12-28 | 2017-12-28 | Actively turn the method, apparatus and system of coin |
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| CN110443607B (en) * | 2019-07-31 | 2022-08-02 | 中国人民银行数字货币研究所 | Method for creating public digital wallet, transaction method and device |
| CN111523869A (en) * | 2020-04-09 | 2020-08-11 | 天地融科技股份有限公司 | Off-line transaction method and system for digital currency |
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