CN111612440B - Method and device for circulating digital currency, server and readable storage medium - Google Patents
Method and device for circulating digital currency, server and readable storage medium Download PDFInfo
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- 238000012508 change request Methods 0.000 claims abstract description 34
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- 238000012546 transfer Methods 0.000 claims description 8
- 238000004590 computer program Methods 0.000 claims description 6
- 230000006870 function Effects 0.000 claims description 6
- 230000006872 improvement Effects 0.000 description 7
- 230000008569 process Effects 0.000 description 5
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 2
- 239000010931 gold Substances 0.000 description 2
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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
- G06Q20/04—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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
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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
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention relates to the technical field of computers, and discloses a circulation method, a circulation device, a server and a readable storage medium of digital currency. The invention relates to a circulation method of digital currency, which comprises the following steps: in response to a change request of the amount of the account, determining digital currency to be changed from a payment source library corresponding to the change request, wherein each digital currency corresponds to: a single trace-back code carrying history variation information; calculating a monomer traceability code after digital currency change according to the account change information, the amount change type and the monomer traceability code of the change request; and adding the changed digital currency and the changed monomer traceability code into a payment target library corresponding to the change request. The invention also relates to a circulation device, a server and a readable storage medium of digital money. According to the embodiments of the invention, the digital currency can be conveniently, quickly and accurately circulated when the amount of money is changed, and the circulation history of the digital currency is traced and orderly managed.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a method and apparatus for circulating digital currency, a server, and a readable storage medium.
Background
Existing digital currency is an unregulated, digitized currency that is typically issued and managed by developers and accepted and used by members of a particular virtual community. The european banking authorities define virtual currency as: the digitized representation of value is not issued by a central office or authorities nor hooked with a legal banknote, but is accepted by the public, and therefore can be used as a payment means, or can be transferred, stored or transacted electronically.
Digital currency in use today is currency that converts cash values into a series of electronic encrypted sequences, the security of the currency itself being secured by means of cryptographic algorithms. In the aspect of cryptographic algorithm, the security of the digital currency system relates to symmetric passwords, asymmetric passwords, message digest algorithms and identity-based cryptosystems, and in the aspect of system implementation, the overall security of the cryptosystem, the selection of the cryptographic algorithm, the implementation of the cryptographic algorithm, the design of interactive protocols, the compatibility of international and domestic standards and the like are required to be deeply considered, so that the transaction security of the digital currency is ensured.
According to the current circulation condition of using entity cash issued by each country, the entity cash currency mainly comprises paper and metal objects, and a deposit card, a credit card and a mobile phone APP payment application system of a third party which are derived by relying on the entity objects, and the system is electronic account book data taking computer storage database data of financial institutions such as banks as certificates. The properties of real paper, metal object entity cash currencies are not reflected in these electronic payment or transfer exchanges, but are represented using user account numbers and specific values. For better application on the internet, the digital cash object currency is encoded by using a digital domain name (address) or character domain name (address) encoding standard system, and mainly comprises the steps of country and region of physical cash currency attribute combination, management main body, chronology, single-piece code, denomination and carrier identification editing, and new attributes can be added for convenience of use.
Disclosure of Invention
The invention aims to provide a circulation method, a circulation device, a server and a readable storage medium for digital currency, so that the digital currency can be circulated conveniently, quickly and accurately when the amount of money is changed, and circulation history tracing and orderly management of the digital currency are realized.
In order to solve the above technical problems, an embodiment of the present invention provides a method for circulating digital money, including: in response to a change request of the amount of an account, determining digital currency to be changed from a payment source library corresponding to the change request, wherein each digital currency corresponds to: a single trace-back code carrying history variation information; calculating a monomer traceability code after digital currency change according to the account change information, the amount change type and the monomer traceability code of the change request; and adding the changed digital currency and the changed monomer traceability code into a payment target library corresponding to the change request.
The embodiment of the invention also provides a circulation device of digital currency, comprising: the determining module is used for responding to the change request of the amount of the account, determining the digital currency which needs to be changed from the payment source library corresponding to the change request, wherein each digital currency corresponds to: a single trace-back code carrying history variation information; the operation module is used for calculating the monomer traceability code after the digital currency is changed according to the account change information, the amount change type and the monomer traceability code of the change request; and the adding module is used for adding the changed digital currency and the changed monomer traceability code into the payment target library corresponding to the change request.
The embodiment of the invention also provides a server, which comprises: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor to enable the at least one processor to perform a method of circulation of digital currency as described above.
An embodiment of the present invention also provides a computer-readable storage medium storing a computer program, wherein the computer program is executed by a processor to implement a method for circulating digital money as described above.
Compared with the prior art, the embodiment of the invention has the main differences and effects that: according to the monomer traceability codes corresponding to the digital currency, when an amount change request occurs, the monomer traceability codes are recalculated and updated according to the changed related information, so that the digital currency can carry history change information wherever the digital currency is stored, and each node can trace back conveniently when needed. The circulation method of the digital currency enables the digital currency to be accurately recorded during circulation, and is convenient for tracing and orderly managing the circulation process of the digital currency.
As a further improvement, the calculating the monomer traceability code after the digital currency is changed specifically includes: calculating a monomer traceability code after digital currency change through one or any combination of the following: hash algorithm, legal cipher algorithm, custom cipher algorithm, quantum cipher algorithm and biological cipher algorithm. Different algorithms or a combination of several algorithms can be adopted in specific practical application, so that a single code has singleness and historical traceability.
As a further improvement, the payment target library is confirmed according to the account change information.
As a further improvement, each digital currency corresponds to: the exchange identification code is used for indicating the change times of the corresponding digital currency; the adding the changed digital currency and the changed monomer traceability code into the payment target library corresponding to the change request comprises the following steps: and judging that the variation times do not reach the preset maximum value of the exchange identification code.
As a further improvement, each digital currency corresponds to: a single piece code having a unique identification function; the method for circulating digital currency further comprises the following steps: and judging that the change times reach the preset maximum value of the exchange identification code, recovering the digital currency, and requesting new digital currency with the same denomination as the digital currency and a corresponding single piece code. The method has the advantages that the recovery of the digital currency is realized by the preset exchange identification code, a new single code is requested for subsequent regeneration of the single traceability code, the excessive coding complexity when the historical information is excessive is avoided, and the updating speed of the single traceability code is accelerated, so that the updating speed of the digital currency in circulation is accelerated.
As a further improvement, the amount change type includes: payment, transfer and exchange. The method is suitable for various changing scenes.
As a further improvement, the digital currency also corresponds to: a segment identification code, country or region code, management body code, and carrier identification code; wherein the segment identification code is used for identifying the currency type of the individual digital cash object currency; the country or region code is used for identifying the country or region code; the management subject code is used for representing a holder and a management subject corresponding to the single digital cash object currency; the carrier identification code is used for indicating the category of the carrier. Further, the code segments included in the digital currency are defined, and information carried in the digital currency codes is enriched, so that the digital currency codes can be conveniently integrated into an existing payment platform.
As a further improvement, the single traceability code adopts decimal and character mixed coding, and the total code length of the coding is 1-1024 bits; the section identification code is at least 1 bit to 32 bits, the country or region code is 0 bit to 64 bits, the management main code is 0 bit to 32 bits, the single code is 0 bit to 800 bits, the carrier identification code is 0 bit to 32 bits, and the transformation identification code is 0 bit to 64 bits. Further, the clear code can be encoded in various ways, so that the implementation mode is more rich and various.
Drawings
FIG. 1 is a flow chart of a method of circulation of digital money according to a first embodiment of the present invention;
FIG. 2 is a schematic view of a flow-through device for digital money according to a second embodiment of the invention;
fig. 3 is a schematic view of a server according to a third embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail below with reference to the accompanying drawings. However, those of ordinary skill in the art will understand that in various embodiments of the present invention, numerous technical details have been set forth in order to provide a better understanding of the present application. However, the technical solutions claimed in the present application can be implemented without these technical details and with various changes and modifications based on the following embodiments.
A first embodiment of the present invention relates to a method of circulating digital money. The flow is shown in fig. 1, and is specifically as follows:
in step 101, in response to an account amount change request, digital currency to be changed is determined from a payment source bank corresponding to the change request.
Specifically, the amount change request may be from a payment request submitted by a user through the intelligent terminal, where the payment request may include account change information, where the account change information further includes information such as an amount to be paid, a payment manner, a payment account, a payee account, and the like. In one example, a transfer request may also be included, which may include information such as the amount transferred, the time of transfer, the transfer account, etc.
After receiving the money amount change request, determining a payment source account, and then confirming a payment source library, wherein the payment source library can store a list of digital money. And determining the digital currency which specifically needs to be changed according to the gold amount which is requested to be changed. If a transfer of 100 yuan is requested, a digital currency of 100 yuan can be determined by searching the digital currency from the payment source library, and the total amount reaches 100 yuan.
More specifically, each digital currency corresponds to: and a single traceability code carrying history change information.
In practical applications, digital currency also corresponds to: a segment identification code, a country or region code, a management body code, and a carrier identification code. The method comprises the following steps:
a segment identification code for identifying a currency type of the individual digital cash object currency, the currency type including, but not limited to: paper cash, coins, notes or electronic vouchers, and the like.
Country or region codes, such as international organization for standardization ISO/IE, ITU-T, united nations, public-job international organizations or teams, institutions and individuals, or different countries.
Management subject code for representing a holder and a management subject corresponding to the individual digital cash object money, for example: national gold authorities, individual holders, or other administrative bodies.
A carrier identification code for indicating the type of the carrier, for example: paper carriers, coins, etc.
It can be seen that the digital currency to be changed is determined, and the segment identification code, country or region code, management subject code, carrier identification code, monomer traceability code, and the like corresponding to the digital currency are identified.
Step 102, calculating the monomer traceability code after the digital currency is changed according to the account change information, the amount change type and the monomer traceability code of the change request.
Specifically, the monomer traceability code after the digital currency change can be calculated through a hash algorithm, and in practical application, other algorithms, such as legal cryptographic algorithm, custom cryptographic algorithm, quantum cryptographic algorithm and biological cryptographic algorithm, can be adopted, and in one example, a combination of several of the above algorithms can be adopted, which are not listed here.
The single traceability code in the embodiment can adopt decimal and character mixed coding, the total code length is 1 bit to 1024 bits, wherein the segment identification code is at least 1 bit, the country or region code is 0 bit to 64 bits, the management main code is 0 bit to 32 bits, the single code is 0 bit to 800 bits, the carrier identification code is 0 bit to 32 bits, and the exchange identification code is 0 bit to 64 bits. That is, the device can be in a form of fixed length, non-fixed length or non-fixed length, and can be flexibly set according to actual requirements, which are not listed here.
The process of calculating the individual traceback codes is exemplified as follows, and the digital cash object currency of one individual may be encoded with a mixed decimal and character code having a code length of 256 bits. The coding segments are described in Table (1):
watch (1)
Wherein, the segment identification code is 5 bits, and the country or region code is 4 bits; the management subject code is 6 bits; the single piece code comprises a 10-bit manufacturer code, a 212-bit object code (batch code and face value), and a 14-bit annual ring code (generation time); the carrier identification code is 1 bit; the exchange identification code is 4 bits. Taking 100 elements of RMB cash as an example according to the coding section format, the coding format is shown in Table I, and then the single traceability codes of the digital cash obtained according to the coding format are as follows: 71286008600030001ZL9N9135390000100.002016081224563270001. In order to make their presentation more intuitive, to avoid errors that are easily caused by negligence in writing, various characters may be used as separators between each code segment, and separators may be omitted when writing in the tour.
In practical application, the code can also comprise characters such as English letters and punctuation marks, and preferably, the English letters and the punctuation marks are converted by using ASCII, so that the single traceability code of the following digital cash currency can be further generated:
712860086000300019576978913539000010046002016081224563270001。
in another example, the code length of the decimal and character mixed coding format of the present application is not limited to 256 bits, but may be 8 bits, 16 bits, 32 bits, 64 bits, 512 bits, or 1024 bits, which are not listed here.
From the above description, it can be seen that the single traceback code may be generated based on at least four types of information codes, such as a switch identification code, a management subject code, a time code, and a switch account number. After each change of the single digital currency, the single digital currency needs to be calculated again to generate a new monomer traceability code. In this process, the cryptographic hash function RIPEMD 160 may be used to calculate the hash value obtained as a single traceback code after the digital currency is changed.
And step 103, adding the digital currency comprising the recalculated single piece code into a payment target library corresponding to the change request.
Specifically, the payment target library may be a database corresponding to a receiving account of digital money designated in the account change information, and the storage format is exemplified in the following table (2):
watch (2)
It is noted that the values in the above table (2) may be as low as 0.01 yuan.
Further, the digital money in the present embodiment corresponds to: exchange the identification code, exchange the identification code and is used for instructing the correspondent number of times of change of digital currency; correspondingly, adding the changed digital currency and the changed monomer traceability code to the payment target library corresponding to the change request comprises the following steps: and judging that the variation times do not reach the preset maximum value of the exchange identification codes. And when the exchange identification code does not reach the preset maximum value, calculating and updating the single traceability code of the digital currency according to the mode. In one example, if the exchange identification code exceeds a preset maximum value, the digital currency may be reclaimed and a new digital currency of the same denomination as the digital currency may be re-requested.
In practical applications, each digital currency also corresponds to: when the digital currency is recovered, the single piece code is recovered, and the requested digital currency is re-issued with the same denomination as the recovered currency. Historical change information for the digital currency being recovered may be stored in a dedicated database.
It can be seen that, according to steps 101 to 103, when a digital currency 100-element payment/transfer/exchange occurs, the exchange identifier is increased by 1, for example, from 0001 to 0002, the time code is changed to 20190924135218 according to the time-of-day service, the payment account number is X bank 1000 0000 0000 00004321, the acceptance account number is Y bank 2000 0000 0000 0000 1234, and the process of calculating the monomer tracing code is repeated, so as to generate a new monomer tracing code of digital currency 100-element, and the new monomer tracing code is stored in the databases of both parties.
Compared with the prior art, the main difference of the present embodiment is that: according to the monomer traceability codes corresponding to the digital currency, when an amount change request occurs, the monomer traceability codes are recalculated and updated according to the changed related information, so that the digital currency can carry history change information wherever the digital currency is stored, and each node can trace back conveniently when needed. The circulation method of the digital currency enables the digital currency to be accurately recorded during circulation, and is convenient for tracing and orderly managing the circulation process of the digital currency. In addition, the recovery of the digital currency is realized through the exchange identification code with the preset upper limit, and a new single code is requested for subsequent regeneration of the single traceability code, so that the excessive coding complexity of the historical information is avoided, the updating speed of the single traceability code is accelerated, and the updating speed of the digital currency in circulation is accelerated.
A second embodiment of the present invention relates to a digital money circulation device, as shown in fig. 2, including:
the determining module is used for responding to the change request of the amount of the account, determining the digital currency which needs to be changed from the payment source library corresponding to the change request, wherein each digital currency corresponds to: and a single traceability code carrying history change information.
And the operation module is used for calculating the monomer traceability code after the digital currency is changed according to the account change information, the amount change type and the monomer traceability code of the change request.
And the adding module is used for adding the changed digital currency and the changed monomer traceability code into the payment target library corresponding to the change request.
It is to be noted that this embodiment is a system example corresponding to the first embodiment, and can be implemented in cooperation with the first embodiment. The related technical details mentioned in the first embodiment are still valid in this embodiment, and in order to reduce repetition, a detailed description is omitted here. Accordingly, the related art details mentioned in the present embodiment can also be applied to the first embodiment.
It should be noted that each module in this embodiment is a logic module, and in practical application, one logic unit may be one physical unit, or may be a part of one physical unit, or may be implemented by a combination of multiple physical units. In addition, in order to highlight the innovative part of the present invention, units that are not so close to solving the technical problem presented by the present invention are not introduced in the present embodiment, but this does not indicate that other units are not present in the present embodiment.
A third embodiment of the present invention relates to a server, as shown in fig. 3, including:
at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method of circulation of digital currency as in the first embodiment described above.
Where the memory and the processor are connected by a bus, the bus may comprise any number of interconnected buses and bridges, the buses connecting the various circuits of the one or more processors and the memory together. The bus may also connect various other circuits such as peripherals, voltage regulators, and power management circuits, which are well known in the art, and therefore, will not be described any further herein. The bus interface provides an interface between the bus and the transceiver. The transceiver may be one element or may be a plurality of elements, such as a plurality of receivers and transmitters, providing a means for communicating with various other apparatus over a transmission medium. The data processed by the processor is transmitted over the wireless medium via the antenna, which further receives the data and transmits the data to the processor.
The processor is responsible for managing the bus and general processing and may also provide various functions including timing, peripheral interfaces, voltage regulation, power management, and other control functions. And memory may be used to store data used by the processor in performing operations.
A fourth embodiment of the present invention relates to a computer-readable storage medium storing a computer program. The computer program implements the above-described method embodiments when executed by a processor.
That is, it will be understood by those skilled in the art that all or part of the steps in implementing the methods of the embodiments described above may be implemented by a program stored in a storage medium, where the program includes several instructions for causing a device (which may be a single-chip microcomputer, a chip or the like) or a processor (processor) to perform all or part of the steps in the methods of the embodiments described herein. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
It will be understood by those of ordinary skill in the art that the foregoing embodiments are specific examples of carrying out the invention and that various changes in form and details may be made therein without departing from the spirit and scope of the invention.
Claims (7)
1. A method of circulating digital money, comprising:
in response to a change request of an account, determining digital currency to be changed from a payment source library corresponding to the change request, wherein each digital currency corresponds to: the single traceability code carries history change information and is used for indicating the exchange identification code of the corresponding digital currency change times and a single piece code with a unique identification function, wherein when the change times are judged to reach the preset maximum value of the exchange identification code, the digital currency is recovered, and a new digital currency with the same denomination as the digital currency and the corresponding single piece code are requested;
calculating a monomer traceability code after digital currency change according to the account change information, the amount change type and the monomer traceability code of the change request;
adding the changed digital currency and the changed monomer traceability code into a payment target library corresponding to the change request;
the digital currency also corresponds to: a segment identification code, country or region code, management body code, and carrier identification code;
wherein the segment identification code is used for identifying the currency type of the individual digital cash object currency;
the country or region code is used for identifying the country or region code;
the management subject code is used for representing a holder and a management subject corresponding to the single digital cash object currency;
the carrier identification code is used for indicating the category of the carrier.
2. The method for circulation of digital money according to claim 1, wherein the calculating of the single traceability code after the change of the digital money specifically comprises:
calculating a monomer traceability code after digital currency change through one or any combination of the following: hash algorithm, legal cipher algorithm, custom cipher algorithm, quantum cipher algorithm and biological cipher algorithm.
3. A method of circulation of digital money according to any one of claims 1 to 2, wherein the type of change in amount comprises: payment, transfer and exchange.
4. The method for circulating digital money according to claim 1, wherein the single traceability code adopts decimal and character mixed coding, and the total code length is 1-1024 bits;
the section identification code is at least 1 bit, the country or region code is 0 bit to 64 bits, the management main code is 0 bit to 32 bits, the single code is 0 bit to 800 bits, the carrier identification code is 0 bit to 32 bits, and the exchange identification code is 0 bit to 64 bits.
5. A digital money circulation device, comprising:
the determining module is used for responding to the change request of the amount of the account, determining the digital currency which needs to be changed from the payment source library corresponding to the change request, wherein each digital currency corresponds to: the single traceability code carries history change information and is used for indicating the exchange identification code of the corresponding digital currency change times and a single piece code with a unique identification function, wherein when the change times are judged to reach the preset maximum value of the exchange identification code, the digital currency is recovered, and a new digital currency with the same denomination as the digital currency and the corresponding single piece code are requested;
the operation module is used for calculating the monomer traceability code after the digital currency is changed according to the account change information, the amount change type and the monomer traceability code of the change request;
the adding module is used for adding the changed digital currency and the changed monomer traceability code into the payment target library corresponding to the change request;
the digital currency also corresponds to: a segment identification code, country or region code, management body code, and carrier identification code;
wherein the segment identification code is used for identifying the currency type of the individual digital cash object currency;
the country or region code is used for identifying the country or region code;
the management subject code is used for representing a holder and a management subject corresponding to the single digital cash object currency;
the carrier identification code is used for indicating the category of the carrier.
6. A server, comprising: at least one processor; and a memory communicatively coupled to the at least one processor;
wherein the memory stores instructions executable by the at least one processor to enable the at least one processor to perform a method of circulation of digital currency according to any one of claims 1 to 4.
7. A computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the method of circulation of digital money according to any one of claims 1 to 4.
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