CN111144858A - Digital currency system - Google Patents
Digital currency system Download PDFInfo
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- CN111144858A CN111144858A CN201911361005.6A CN201911361005A CN111144858A CN 111144858 A CN111144858 A CN 111144858A CN 201911361005 A CN201911361005 A CN 201911361005A CN 111144858 A CN111144858 A CN 111144858A
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- currency
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- digital currency
- issuing
- application terminal
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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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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- 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 invention relates to a digital currency system, which consists of a digital currency issuer, a digital currency application service provider and a digital currency user, and provides circulation transfer right support of digital currency by adding an acquirer, a transfer completion deadline and an issuer signature field to a digital currency character string by the issuer, and adding an earliest permitted transfer deadline and a receiver signature field to a received digital currency character string by the acquirer.
Description
Technical Field
The invention relates to the technical field of digital currency payment, in particular to a digital currency system and a circulation method for electronizing physical currency.
Background
The physical currency has the advantages of complete off-line transaction, no need of a third party, support of cross-system transaction, unlimited circulation and complete anonymity, but also has the defects of no support of on-line transaction, high production, storage and transportation cost, incapability of real-time remote delivery and the like, and cannot adapt to the requirements of the current electronic transaction.
Disclosure of Invention
The invention aims to provide a digital currency system and a circulation method to realize the electronic/digital of physical currency.
The technical scheme of the invention comprises the following steps:
the digital money system is composed of a digital money issuer, a digital money application service provider, and a digital money user (see fig. 1).
The digital currency issuer is responsible for issuing and returning digital currency, exchanging old currency with new currency and exchanging damaged currency, currency detection rules for digital currency anti-counterfeiting verification, issuing of digital currency circulation versions, issuing of blacklists, authentication of currency detection devices/modules and issuing management of security certificates, authentication of application service providers and issuing and management of security certificates, registration authentication of digital currency signing/storing safe deposit boxes, issuing and management of related key certificates, and the digital currency signing/storing safe deposit boxes can be in a software or hardware form.
The digital currency application service providers comprise authenticated application service providers, application service providers with authorization authentication capable of providing digital currency storage/fetching/zero-total exchange/old currency and new currency exchange services, and application service providers with authorization authentication capable of providing worn currency exchange services. The digital currency application service provider provides an application terminal, the application terminal can be software or hardware, and the application terminal provides service support for circulation and transfer of digital currency between different digital currency signing/issuing/storage safe boxes. The issuer realizes the issue and the refund of the digital currency through the application service provider.
The user applies for the registration of the application terminal and associated certificate key to the digital currency application service provider, and the user's digital wallet (fig. 2) includes, but is not limited to including, the application terminal, a currency validator/module and a digital currency signing/issuing/storing safe deposit box, either separate or integrated into the application terminal.
The digital currency character string expression format field issued by the digital currency issuer comprises but is not limited to the following fields (such as c001 in fig. 3), currency type, number, amount, extensible attribute set, issuer, and issuer signature, the composition of the number comprises but is not limited to the version number with year and the crown number, the issuer can be the digital currency signing/issuing/storing safe deposit box public address representing the issuer, and all the signatures contain time axis information.
Each circulation transfer of digital currency adds a corresponding field in the digital currency string representation format via the digital currency sign-in/sign-out/storage safe deposit box: the issuer adds the digital currency signing/issuing/storage safe box public address of the acquirer, the transfer completion final time limit and the issuer signature (as c002 in fig. 3), and sets different transfer completion final time limits according to the transmission mode; the acquirer adds a corresponding field in the digital currency character string expression format when authorized to deposit digital currency into the acquirer's digital currency sign-in/sign-out/storage safe: the transfer earliest deadline, the signature of the receiver (e.g., c003 of fig. 3), is allowed to be circulated again, and this earliest deadline cannot be earlier than the transfer completion latest deadline in the string field added by the issuer, and time axis information is contained in all signatures. These are components of technical measures for the non-repeatable spending of digital currency.
One application service provider can be one digital currency issuer or the application providers of a plurality of different digital currency issuers, and the application terminals provided by the application service provider can also support one digital currency issuer or a plurality of digital currency issuers.
One application terminal may be associated with one or more digital currency signing/issuing/storing safe deposit boxes, and likewise, one digital currency signing/issuing/storing safe deposit box may be associated with one or more application terminals of an application service provider.
The currency detecting device/module for obtaining the certification of the digital currency issuer and issuing the security certificate can continuously obtain the update of the currency detecting rule, the current digital currency circulation version, the blacklist and other security information from the issuer, and the digital currency obtained by the acquirer needs to be subjected to the validity verification of the currency detecting device/module before the acquirer applies for the authorization instruction that the digital currency is authorized to be stored in the digital currency signing/issuing/storage safe deposit box of the acquirer, so that the burden of updating the corresponding digital currency security validity information by the digital currency signing/issuing/storage safe deposit box is reduced, and the flexibility of realizing the corresponding technology is provided.
When the circulation of the digital money is transferred from one digital money sign-in/sign-out/storage safe box to another digital money sign-in/sign-out/storage safe box, the payer application terminal firstly inquires and acquires the address information of the payee application terminal and the digital money sign-in/sign-out/storage safe box, then the payer application terminal sends the sign-out request of the digital money to the related digital money sign-in/sign-out/storage safe box, after the digital money sign-in/sign-out/storage safe box receives the sign-out request, the digital money sign-in/sign-out/storage safe box address information of the acquirer of the payee is added to the expression field of the corresponding digital money in the available digital money (e.g. a006 of FIG. 2) and the circulation transfer is completed (e.g. c003 of FIG. 3), and the digital money sign-in/sign-out/storage safe box is used to sign-out and issue from the issuer The available digital money (for example, a006 in fig. 2) of the money signing/issuing/storing safe deposit box is transferred to the issued request for the authority of the to-be-signed receiver (for example, a005 in fig. 2), and meanwhile, the payer application terminal encrypts the digital money information by using the acquired address/public key of the payee application terminal and generates a transaction message by using the private key/digital certificate signature of the payer application terminal to send the transaction message to the payee application terminal. After receiving the digital money transaction message, the application terminal of the payee decrypts and verifies the signature of the application terminal of the payer by using a private key, then the digital money character string expression obtained after decrypting and verifying the signature of the payer terminal is submitted to a money detecting device/module (such as b003 of figure 2) to verify the legality of the digital money, if the address of a receiver (such as c002 of figure 3) in the digital money character string expression passing the legality verification is consistent with the address of the digital money signing/storing safe deposit box of the payee, and the current time is before the final time limit of transfer is completed, the digital money character string is allowed to enter the signed-to-be-signed-issued party authority of the digital money signing/storing safe deposit box associated with the payee application terminal (such as b005 of figure 2), and the digital money signing/storing and guaranteeing the digital information digest of the digital money is encrypted by using the public key of the issuer and signed by using the signer Providing information as a message for applying an authorization request to an issuer to an application terminal of a payee (shown as b001 in fig. 2), re-encrypting the encrypted authorization request message by the application terminal of the payee by using a public key of the application terminal of the payer and signing by the application terminal of the payee, sending the encrypted authorization request message back to the application terminal of the payer, decrypting and verifying the encrypted authorization request message by the application terminal of the payer after receiving corresponding information, and submitting the decrypted and verified information to an associated digital currency signing/issuing/storing safe deposit box, and if the current time limit meets the final transfer time limit, issuing a corresponding authorization instruction, encrypting the authorization instruction by using an address/public key of the acquirer and signing by using an issuer, and re-encrypting and signing the encrypted authorization instruction message by using the application terminal of the payer after signing And sending the digital money to a payee, and removing the digital money from the issued request for confirming the authority of the payee to the completed transaction, wherein optionally, the related information in the completed transaction can be transmitted to an issuer after the application terminal is networked. The application terminal of the payee receives the encrypted information which is sent back by the payer and contains the permission authority instruction, then decrypts the encrypted information and submits the encrypted information to the associated digital currency signing/issuing/storing safe box, the digital currency signing/issuing/storing safe box obtains the corresponding permission authority instruction after decryption, if the current time is satisfied and is earlier than the last transfer time limit, the corresponding digital currency signing/issuing/storing safe box is allowed to transfer the corresponding digital currency in the authority of the signed and waiting issuer to the available digital currency, thereby becoming the digital currency which can be circulated and transferred again.
If the transfer completion final time limit is exceeded, the payer does not receive an authorization request instruction sent back by the payee, and the corresponding digital money in the digital money signing/issuing/storage safe box of the payer is signed to be the digital money of the payer as the residual money of the payer; if the payee does not receive the permission authority instruction sent back by the payer, the corresponding digital currency signed in the authority of the to-be-signed party in the digital currency signing/issuing/storage safe box of the payee is called as payee residual currency, when the residual currency occurs, the payer residual currency is encrypted by the digital currency signing/issuing/storage safe box of the payer to the corresponding residual currency by using the issuer residual currency exchange address and signed, and then is transmitted to the issuer through the application terminal to be executed according to the corresponding residual currency exchange rule, and the payee residual currency is encrypted by the digital currency signing/issuing/storage safe box of the payee to the corresponding residual currency issuing residual currency exchange address and signed, and then is transmitted to the issuer through the application terminal to be executed according to the corresponding residual currency exchange rule.
When one version of digital currency is going to exit circulation, the user and the application service provider complete bidirectional equal-amount digital currency transfer operation through the application terminal, and exchange of old currency and new currency is completed.
When the user needs to change the whole money and change the change, the two-way digital money transfer operation can be realized by the application terminal and the application service provider.
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 simplified system architecture of the present invention.
FIG. 2 is a schematic diagram of a digital currency transfer link of the present invention.
FIG. 3 is a schematic diagram of the variation of the numeric currency string expressions and string expressions in currency transfer according to the present invention.
Detailed Description
The invention is further described below with reference to the figures and examples.
The circulation and transfer process of digital money between paying party and receiving party includes the following steps:
the payer a (a001) and the payee B (B001) exchange address information of the counterpart application terminal a (a 002)/application terminal B (B002) and digital money sign-in/sign-out/deposit safe a (a 004)/digital money sign-in/sign-out/deposit safe B (B004) with each other.
The application terminal A (a002) of the payer A (a001) submits a payment application of the digital money to the digital money sign-in/sign-out/storage safe deposit box A (a004) which is the issuer of the current digital money circulation transfer, the digital money sign-in/sign-out/storage safe deposit box A (a004) selects the corresponding digital money from the available digital money A (a006), adds the acquired digital money character string expression to the digital money sign-in/sign-out/storage safe deposit box B (B004) of the payee which is the issuer of the current digital money circulation transfer, transfers the digital money character string to the issued authorization request (a005) after transferring the last completion time limit and the issuer signature (c 002 in figure 3), and simultaneously, the digital money character string is encrypted by the address of the application terminal B (B002) to form a transaction message which is transmitted to the application terminal A (a002) of the payee B (B001) through the application terminal A (a002) End B (B002).
The application terminal B (B002) obtains the transaction message and then decrypts to obtain the digital currency character string of the digital currency transaction, the digital currency character string is submitted to the currency checking device/module B (B003) to verify the corresponding legality, and then is submitted to the digital currency signing/issuing/storing safe deposit box B (B004) if the digital currency character string is legal, the current information of the signer of the digital currency character string needs to be consistent with the digital currency signing/issuing/storing safe deposit box B (B004), the digital currency character string with the current time not later than the corresponding transfer completion final time limit in the digital currency character string can be allowed to enter the signed and issued authority, the digital currency signing/issuing/storing safe deposit box B (B004) generates an instruction for applying for the affirmation authority to the issuer for the digital currency character string obtained by the current circulation transfer and entering the signed and issued authority, and the digital currency signing/issuing/storing safe deposit box A (a004) address of the issuer is used for encryption and the signing is carried out by the issuer, thereby ensuring that the instruction for applying the right-confirming authorization to the issuer can only be decrypted, read and verified by the digital currency signing/issuing/storing safe deposit box A (a004) of the issuer, but not be decrypted by other parties, comprising an application terminal A (a002) of a payer A (a001), and an application terminal B (B002) encrypts and signs the encrypted instruction for applying the right-confirming authorization to the issuer again by using the address of the application terminal A (a002) to generate a transaction message for applying the right-confirming authorization and then sends the transaction message to the payer A (a 001).
After the application terminal A (a002) of the payer A (a001) obtains a transaction message for applying for the authorization of the authorization, the transaction message is decrypted and verified, then an encrypted instruction for applying the authorization of the authorization is submitted to the digital currency signing/issuing/storing safe deposit box A (a004), the digital currency signing/issuing/storing safe deposit box A (a004) decrypts the received encrypted instruction for applying the authorization of the authorization The address of the storage safe box B (B004) is encrypted and signed by an issuer to generate an encrypted transaction message which can only be decrypted and verified by the digital currency signing/issuing/storage safe box B (B004) and allows the right transfer, and the encrypted transaction message of the right transfer allowing instruction is encrypted again by the application terminal B (B002) through the application terminal A (a002) and signed by the application terminal A (a002) and then is sent to the payee B (B001).
The application terminal B (B002) of the payee B (B001) receives the double-encrypted transaction message of the permission right transfer instruction, decrypts and verifies the double-encrypted transaction message of the permission right transfer instruction to obtain a double-encrypted transaction message of the permission right transfer instruction, and submits the double-encrypted transaction message of the permission right transfer instruction to the digital currency signing/issuing/storing safe box B (B004), the digital currency signing/issuing/storing safe box B (B004) decrypts and verifies the double-encrypted transaction message of the permission right transfer instruction to obtain the permission right transfer instruction, if the current time meets the latest time limit of transfer completion in the digital currency character string of the digital currency circulation transfer transaction not later than the current time, the digital currency signing/issuing/storing safe box B (B004) is allowed to transfer the corresponding digital currency character string which has the permission of the acceptance and issuance party (B005) to the available digital currency B (B006), and when the digital currency character string in the confirmation right of the acceptance and issuance party (B005) is transferred to the available digital currency B (B006) The earliest deadline is allowed to be transferred again, which needs to be later than the last deadline for completion of the transfer, and signed (e.g., c003 of fig. 3).
If the digital currency in the issued request (a005) for the authority of the to-be-signed receiver does not receive the authority request from the issuer, the digital currency is called as the issuer worn currency, and the issuer worn currency is encrypted by using the issuer worn currency exchange address and is transmitted to the issuer through the application terminal to be processed according to the worn currency exchange rule; if the digital currency in the signed authority (b005) of the to-be-signed party does not receive the authorization of the allowed authority from the signing party, the digital currency is called as the damaged currency of the signing party, the damaged currency of the signing party is encrypted by the signing party by using the exchange address of the damaged currency of the issuing party, the signed by the signing party is transmitted to the issuing party through the application terminal, and the corresponding damaged currency exchange rule is processed.
Claims (7)
1. A digital currency system, comprising:
the digital currency system consists of a digital currency issuer, a digital currency application service provider and a digital currency user;
the digital currency issuer is responsible for issuing and returning digital currency, exchanging old currency and new currency and exchanging damaged currency, currency detection rules for digital currency anti-counterfeiting verification, issuing of digital currency circulation versions, issuing of blacklists, authentication of currency detection devices/modules and issuing management of security certificates, authentication of application service providers and issuing and management of security certificates, registration authentication of digital currency signing/storing safe deposit boxes, issuing and management of related key certificates, and the digital currency signing/issuing/storing safe deposit boxes can be in a software or hardware form;
the digital currency application service providers comprise authenticated application service providers, application service providers with authorization authentication capable of providing digital currency storage/fetching/zero-total exchange/old currency and new currency exchange services, and application service providers with authorization authentication capable of providing worn currency exchange services. The digital currency application service provider provides an application terminal, the application terminal can be software or hardware, and the application terminal provides service support for circulation and transfer of digital currency between different digital currency signing/issuing/storage safe boxes. The issuer realizes the issue and the return of the digital currency through the application service provider;
a user applies for registering an application terminal and a related certificate key to a digital currency application service provider, wherein a digital wallet of the user comprises but is not limited to the application terminal, a currency detecting device/module and a digital currency signing/issuing/storing safe deposit box which are independent or integrated in the application terminal;
the digital currency character string expression format field issued by the digital currency issuer comprises but is not limited to the following fields, currency type, number, amount, extensible attribute set, issuer and issuer signature, wherein the number comprises but is not limited to the version number with year and the crown number, the issuer can be a digital currency signing/issuing/storage safe box public address representing the issuer, and all the signatures contain time axis information;
each circulation transfer of digital currency adds a corresponding field in the digital currency string representation format via the digital currency sign-in/sign-out/storage safe deposit box: the issuer adds the digital currency signing/issuing/storage safe box public address of the acquirer, the transfer completion final time limit of the current circulation and the signature of the issuer, and sets different transfer completion final time limits according to the transmission mode; after receiving the right-confirming authorization instruction, the signatory adds corresponding fields in the digital currency character string expression format: the transfer of the earliest time limit, the signature of the recipient, is allowed to be re-circulated and the earliest time limit cannot be earlier than the latest time limit in the signature of the issuer, so that the string of digital money received by the recipient becomes digital money that can be re-circulated for transfer.
2. The method of claim 1, wherein:
one application service provider can be one digital currency issuer or the application service providers of a plurality of different digital currency issuers, and the application terminal provided by the application service provider can also support one digital currency issuer or a plurality of digital currency issuers;
one application terminal may be associated with one or more digital currency signing/issuing/storing safe deposit boxes, and likewise, one digital currency signing/issuing/storing safe deposit box may be associated with one or more application terminals of an application service provider.
3. The method of claim 1, wherein:
when transferring digital money from one digital money sign/issue/storage safe box to another digital money sign/issue/storage safe box, the payer application terminal and the payee application terminal exchange the address information of the other party's application terminal and digital money sign/issue/storage safe box, then the payer application terminal sends the sign request of digital money to the related digital money sign/issue/storage safe box, after receiving the sign request, the digital money sign/issue/storage safe box adds the digital money sign/issue/storage safe box address information of the payee's sign/issue/storage safe box and the final time limit of transfer completion to the character string expression field of the corresponding digital money in the available digital money, and after signature of the digital money sign/issue/storage safe box is used, the digital money is transferred from the issuer The available digital money of the receiving/issuing/storing safe deposit box is transferred to the issued request of the authority of the receiver to be issued, and meanwhile, the payer application terminal encrypts the digital money information by using the acquired address/public key of the payee application terminal and generates a transaction message by using the private key/digital certificate signature of the payer application terminal to send the transaction message to the payee application terminal. After receiving the digital currency transaction message, the application terminal of the payee decrypts and verifies the signature of the application terminal of the payer by using a private key, then the digital currency character string expression obtained after decrypting and verifying the signature of the payer terminal is submitted to a currency detecting device/module to verify the legality of the digital currency, if the address of the signer in the digital currency character string expression passing the legality verification is consistent with the address of the digital currency signing/issuing/storing safe deposit box of the payee, and the current time is before the final time limit of transfer completion, the digital currency character string is allowed to enter the signed and signed authority of the digital currency signing/issuing/storing safe deposit box associated with the application terminal of the payee, the digital currency signing/issuing/storing deposit box encrypts the digital currency information summary by using the public key of the signer and uses the information signed by the signer as the message of applying the authority request to the signer to be provided to the message of the receipt The payer application terminal encrypts the authorization request message by the payer application terminal and signs by the payee application terminal, and sends the encrypted authorization request message back to the payer application terminal after encrypting by the payer application terminal public key and signing by the payee application terminal, the payer application terminal decrypts and verifies the corresponding information and submits the encrypted authorization request message to the associated digital currency signing/issuing/storing safe deposit box, the digital currency signing/issuing/storing safe deposit box signs the encrypted and signed digital currency authorization request of the payee of the transaction and signs the corresponding authorization instruction if the current time limit meets the transfer complete final time limit, and the authorization instruction is encrypted by the address/public key of the signer and signed by the issuer, and then the encrypted authorization instruction message is encrypted by the payer application terminal and signed and sent to the payee, and simultaneously, removing the digital money from the request for the authority of the issued and to-be-issued party to the completed transaction, decrypting and submitting the encrypted information containing the authority-permitting instruction sent back by the payer to an associated digital money signing/issuing/storing safe box by the payee application terminal, obtaining a corresponding authority-permitting instruction after the decryption of the digital money signing/issuing/storing safe box, and allowing the corresponding digital money signing/issuing/storing safe box to transfer the corresponding digital money in the authority-permitting party to the available digital money to become the digital money which can be circulated and transferred again if the current time is earlier than the last transfer time limit.
4. The method of claim 1, wherein:
if the transfer completion final time limit is exceeded, the payer does not receive an authorization request instruction sent back by the payee, and the corresponding digital money in the digital money signing/issuing/storage safe box of the payer is signed to be the digital money of the payer as the residual money of the payer; if the payee does not receive the permission authority instruction sent back by the payer, the corresponding digital currency signed in the authority of the to-be-signed party in the digital currency signing/issuing/storage safe box of the payee is called as payee residual currency, when the residual currency occurs, the payer residual currency is encrypted by the digital currency signing/issuing/storage safe box of the payer to the corresponding residual currency by using the issuer residual currency exchange address and signed, and then is transmitted to the issuer through the application terminal to be executed according to the corresponding residual currency exchange rule, and the payee residual currency is encrypted by the digital currency signing/issuing/storage safe box of the payee to the corresponding residual currency issuing residual currency exchange address and signed, and then is transmitted to the issuer through the application terminal to be executed according to the corresponding residual currency exchange rule.
5. The method of claim 1, wherein:
the currency detecting device/module for obtaining the certification of the digital currency issuer and issuing the security certificate can continuously obtain the update of the currency detecting rule, the current digital currency circulation version, the blacklist and other security information from the issuer, and the digital currency obtained by the acquirer needs to be subjected to the validity verification of the currency detecting device/module before the acquirer applies for the authorization instruction that the digital currency is authorized to be stored in the digital currency signing/issuing/storage safe deposit box of the acquirer, so that the burden of updating the corresponding digital currency security validity information by the digital currency signing/issuing/storage safe deposit box is reduced, and the flexibility of realizing the corresponding technology is provided.
6. The method of claim 1, wherein:
when one version of digital currency is going to exit circulation, the user and the application service provider complete bidirectional equal-amount digital currency transfer operation through the application terminal, and exchange of old currency and new currency is completed.
7. The method of claim 1, wherein:
when the user needs to change the whole money and change the change, the two-way digital money transfer operation can be realized by the application terminal and the application service provider.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911361005.6A CN111144858A (en) | 2019-12-25 | 2019-12-25 | Digital currency system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911361005.6A CN111144858A (en) | 2019-12-25 | 2019-12-25 | Digital currency system |
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| CN111144858A true CN111144858A (en) | 2020-05-12 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115131020A (en) * | 2022-07-13 | 2022-09-30 | 深圳市百慧文化发展有限公司 | Digital RMB payment system and payment method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115131020A (en) * | 2022-07-13 | 2022-09-30 | 深圳市百慧文化发展有限公司 | Digital RMB payment system and payment method |
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