CN112819126A - Digital currency card supporting double off-line transactions and manufacturing method thereof - Google Patents
Digital currency card supporting double off-line transactions and manufacturing method thereof Download PDFInfo
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- 239000003292 glue Substances 0.000 claims description 10
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- 238000007731 hot pressing Methods 0.000 claims description 6
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- 239000004973 liquid crystal related substance Substances 0.000 claims description 4
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- 238000000576 coating method Methods 0.000 claims description 3
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
- G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
- G06K19/07707—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual the visual interface being a display, e.g. LCD or electronic ink
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
- G06K19/07709—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being a keyboard
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/0772—Physical layout of the record carrier
- G06K19/07722—Physical layout of the record carrier the record carrier being multilayered, e.g. laminated sheets
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
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Abstract
The invention provides a digital currency card supporting double off-line transactions and a manufacturing method thereof, wherein the digital currency card supporting double off-line transactions comprises a financial payment chip, an NFC module, a Bluetooth module, a power management module, a fingerprint verification chip, a display screen and keys; the Bluetooth module is used for pairing and connecting with transaction equipment during transfer; the key is used for sending a key signal instruction of the transfer amount to the financial payment chip after the cardholder inputs the transfer amount; the financial payment chip is used for carrying out data processing on the key signal instruction of the transfer amount to form transfer information; the Bluetooth module is used for carrying out wireless communication with the transaction terminal equipment through a Bluetooth circuit to complete account transfer payment transaction; the display screen is used for displaying the balance after transferring accounts. The invention can realize double off-line transfer payment transaction between the digital currency card and another digital currency card of the same type or between the digital currency card and charging terminals such as a terminal POS machine, a card reader and the like under the environment without a network.
Description
Technical Field
The invention relates to a double off-line transaction card and a manufacturing method thereof, in particular to a digital currency card supporting double off-line transaction and a manufacturing method thereof.
Background
With the successful trial of Chinese digital currency in each city, the smart phone has a more convenient financial payment mode. However, for many old people and students in middle and primary schools, the smart phones are not available in most of the people, and cash is inconvenient to carry, so that the old people and the students in middle and primary schools cannot enjoy a convenient payment mode of 'internet cash' which is digital currency. Aiming at the part of people, whether a digital currency card product supporting double off-line transactions can be designed or not is provided, so that convenient payment can be realized by 'touch and touch' without a smart phone or a network.
Therefore, how to design a digital currency card product supporting dual offline transactions becomes the focus of industry attention.
Disclosure of Invention
The technical problem to be solved by the invention is as follows: a digital currency card supporting dual off-line transactions and a method of making the same are provided.
In order to solve the technical problems, the invention adopts the technical scheme that: a digital currency card supporting dual offline transactions, comprising,
the device comprises a financial payment chip, an NFC module, a Bluetooth module, a power management module, a fingerprint verification chip, a display screen and keys;
the financial payment chip is respectively connected with the NFC module, the Bluetooth module, the fingerprint verification chip and the keys; the Bluetooth module is respectively connected with the power management module, the NFC module and the display screen; the display screen is connected with the NFC module;
the Bluetooth module is used for pairing and connecting with transaction equipment during transfer;
the key is used for sending a key signal instruction of the transfer amount to the financial payment chip after the cardholder inputs the transfer amount;
the financial payment chip is used for carrying out data processing on the key signal instruction of the transfer amount to form transfer information;
the Bluetooth module is used for carrying out wireless communication with transaction terminal equipment through a Bluetooth circuit to complete account transfer payment transaction;
and the display screen is used for displaying the balance after transferring.
Furthermore, the power management module comprises a battery and a power management circuit connected with the battery and is used for supplying power to the financial payment chip, the Bluetooth module, the fingerprint verification chip and the display screen.
Further, the NFC module is used for carrying out wireless communication with transaction terminal equipment through the NFC circuit under the emergency condition that the transfer transaction cannot be carried out through the Bluetooth circuit due to the fact that a battery is not charged, and the close-range safe payment transaction is achieved.
Further, the transaction terminal device includes, but is not limited to, another digital currency card supporting double offline transaction, a mobile phone, a POS machine, and a card reader.
Further, the fingerprint verification chip is used for verifying the validity of the cardholder through fingerprint identification when transferring accounts.
Furthermore, bluetooth module is equipped with the localization tracking function, carries out localization tracking when being convenient for lose.
Further, the keys include a number key for inputting a password or a transfer amount, a C key for deletion, an OK key for determination, and a main switch key for turning on or off a power supply.
Furthermore, the display screen is a liquid crystal display screen or a low-power electronic ink screen.
The invention also provides a method for manufacturing the digital currency card supporting double off-line transactions, which comprises the following steps,
s10, manufacturing a PCB layer: selecting a PVC sheet with the same thickness according to the highest point thickness of components on the PCB, flattening the PVC sheet by using a hot pressing process, punching a frame matched with the shape and the size of the PCB in the middle of the PVC sheet, putting the PCB into the frame punched by using the PVC sheet, scraping the frame by using prepared cold-pressing glue, and naturally airing or drying the frame at low temperature;
s20, manufacturing two printing layers: printing a card pattern on a PET sheet, attaching a PC transparent film or a PVC transparent film on the card pattern, and putting the card pattern into a laminating machine for hot pressing until the card pattern is flat;
s30, respectively coating cold-pressing glue on the surfaces of the two printing layers opposite to the card patterns, and then aligning and laminating the two printing layers with the PCB layer;
s40, placing the two laminated printing layers and the PCB layer into a special cold press for cold pressing, and enabling the two printing layers and the PCB layer to be bonded;
and S50, putting the cold-pressed material into a card punching machine for punching to manufacture the standard digital currency card supporting double off-line transactions.
Further, the PVC sheet used in step S10 may be replaced with a PET sheet or a PC sheet.
The invention has the beneficial effects that:
in a first aspect: the digital currency card supporting double off-line transactions is connected with transaction equipment in a pairing mode through the Bluetooth module during transfer; after the cardholder inputs the transfer amount through a key, sending a key signal instruction of the transfer amount to a financial payment chip; the financial payment chip performs data processing on the key signal instruction of the transfer amount to form transfer information; the Bluetooth module sends the transfer information to transfer equipment to complete transfer; and the display screen displays the balance after transferring. Under the emergency condition that the battery is dead and transfer transaction cannot be carried out through the Bluetooth circuit, the NFC circuit is in wireless communication with transaction terminal equipment, and close-range safe payment transaction is achieved. Under the environment without a network, double off-line transfer payment transaction can be realized between the digital currency card and another digital currency card of the same type or between the digital currency card and a charging terminal such as a terminal POS machine, a card reader and the like.
In a second aspect: according to the digital currency card manufacturing method supporting double off-line transactions, when a PCB (printed Circuit Board) layer is manufactured, two printing layers are bonded with the PCB layer through cold-pressing glue, the PCB layer is pressed between the two printing layers through a cold-pressing process, and a circuit structure and a battery in the PCB layer can not be damaged through the cold-pressing process; and the cold-pressing glue can ensure that the two printing layers and the PCB layer are well bonded together at normal temperature, and ensure that the surface of the card body is smooth without generating bubbles.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the mechanisms shown in the drawings without creative efforts.
FIG. 1 is a schematic diagram of an internal circuit of a digital currency card supporting dual offline transactions according to an embodiment of the present invention;
FIG. 2 is a diagram of a digital currency card supporting dual offline transactions, in accordance with an embodiment of the present invention;
FIG. 3 is an exploded view of a digital currency card supporting dual offline transactions, in accordance with an embodiment of the present invention;
the system comprises a financial payment chip, a 2-NFC module, a 3-Bluetooth module, a 4-power management module, a 5-fingerprint verification chip, a 6-display screen and a 7-key, wherein the financial payment chip is connected with the NFC module through a USB (universal serial bus) interface; 10-PCB board layer, 20-first printing layer, 30-second printing layer.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the description of the invention relating to "first", "second", etc. is for descriptive purposes only and is not to be construed as indicating or implying any relative importance or implicit indication of the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present invention.
Referring to fig. 1 and 2, a first embodiment of the present invention is: a digital currency card supporting dual offline transactions, comprising,
the system comprises a financial payment chip 1, an NFC module 2, a Bluetooth module 3, a power management module 4, a fingerprint verification chip 5, a display screen 6 and a key 7;
the financial payment chip 1 is respectively connected with the NFC module 2, the Bluetooth module 3, the fingerprint verification chip 5 and the key 7; the Bluetooth module 3 is respectively connected with the power management module 4, the NFC module 2 and the display screen 6; the display screen 6 is connected with the NFC module 2;
the Bluetooth module 3 is used for pairing and connecting with transaction equipment during transfer;
the key 7 is used for sending a key signal instruction of the transfer amount to the financial payment chip 1 after the cardholder inputs the transfer amount;
the financial payment chip 1 is used for carrying out data processing on a key signal instruction of the transfer amount to form transfer information;
the Bluetooth module 3 is used for carrying out wireless communication with transaction terminal equipment through a Bluetooth circuit to complete account transfer payment transaction;
and the display screen 6 is used for displaying the balance after transferring.
The power management module 4 comprises a battery and a power management circuit connected with the battery, and is used for supplying power to the financial payment chip 1, the Bluetooth module 3, the fingerprint verification chip 5 and the display screen 6.
The NFC module 2 is used for carrying out wireless communication with transaction terminal equipment through the NFC circuit under the emergency condition that a battery is dead and transfer transaction cannot be carried out through the Bluetooth circuit, so that close-range safe payment transaction is realized.
The transaction terminal device includes, but is not limited to, another digital currency card supporting double offline transactions, a mobile phone, a POS machine, and a card reader.
The fingerprint verification chip 5 is used for verifying the validity of a cardholder through fingerprint identification when transferring accounts.
Wherein, bluetooth module 3 is equipped with the localization tracking function, carries out localization tracking when being convenient for lose. For example, when the cardholder forgets where the digital currency card supporting the double offline transactions is placed, the cardholder can connect the bluetooth of the digital currency card supporting the double offline transactions through the bluetooth of the mobile phone to locate the position, so that the cardholder can conveniently find the position.
The key 7 includes a number key for inputting a password or a transfer amount, a C key for deletion, an OK key for determination, and a main switch key for turning on or off a power supply. As shown in fig. 2, the keys of the digital currency card are distributed, wherein the main switch key is arranged in the lower right corner area of the digital currency card, and the main switch key is disconnected when no transaction is required, so that the battery power is saved.
The display screen 6 is a liquid crystal display screen or a low-power electronic ink screen. The liquid crystal display screen or the low-power electronic ink screen can save more energy, so that the battery can be thinner, and the manufactured digital currency card supporting double off-line transactions is thinner and thinner.
In the embodiment, the digital currency card supporting double offline transactions is connected with transaction equipment in a pairing manner during transfer through the Bluetooth module 3; after the cardholder inputs the transfer amount through the key 7, a key 7 signal instruction of the transfer amount is sent to the financial payment chip 1; the financial payment chip 1 performs data processing on a key 7 signal instruction of transfer amount to form transfer information; the Bluetooth module 3 sends the transfer information to transfer equipment to complete the transfer; the display screen 6 displays the balance after the transfer. Under the emergency condition that the battery is dead and transfer transaction cannot be carried out through the Bluetooth circuit, the NFC circuit is in wireless communication with transaction terminal equipment, and close-range safe payment transaction is achieved. Under the environment without a network, double off-line transfer payment transaction can be realized between the digital currency card and another digital currency card of the same type or between the digital currency card and a charging terminal such as a terminal POS machine, a card reader and the like.
Referring to fig. 3, another embodiment of the present invention is: a method for manufacturing a digital currency card supporting double off-line transactions comprises the following steps,
s10, manufacturing a PCB (printed Circuit Board) layer 10: selecting a PVC sheet with the same thickness according to the highest point thickness of components on the PCB, flattening the PVC sheet by using a hot pressing process, punching a frame matched with the shape and the size of the PCB in the middle of the PVC sheet, putting the PCB into the frame punched by using the PVC sheet, scraping the frame by using prepared cold-pressing glue, and naturally airing or drying the frame at low temperature;
s20, manufacturing two printing layers: printing a card pattern on a PET sheet, attaching a PC transparent film or a PVC transparent film on the card pattern, and putting the card pattern into a laminating machine for hot pressing until the card pattern is flat; the first and second printed layers 20 and 30 as in fig. 3;
s30, respectively coating cold-pressing glue on the surfaces of the two printing layers opposite to the card patterns, and then aligning and laminating the two printing layers with the PCB layer 10;
s40, placing the two laminated printing layers and the PCB layer 10 into a special cold press for cold pressing, and enabling the two printing layers to be bonded with the PCB layer 10;
and S50, putting the cold-pressed material into a card punching machine for punching to manufacture the standard digital currency card supporting double off-line transactions.
In a specific embodiment, the PVC sheet used in step S10 may be replaced with a PET sheet or a PC sheet.
In the embodiment, in the method for manufacturing the digital currency card supporting the double off-line transaction, when the PCB board layer 10 is manufactured, the two printing layers are bonded with the PCB board layer 10 through the cold pressing glue, the PCB board layer 10 is pressed between the two printing layers through the cold pressing process, and the circuit structure in the PCB board layer 10 is not damaged through the cold pressing process; and the cold-pressing glue can ensure that the two printing layers and the PCB layer 10 are well bonded together at normal temperature, and ensure that the surface of the card body is smooth and does not generate bubbles.
The above description is only an embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes performed by the present specification and drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A digital currency card supporting dual offline transactions, comprising: comprises the steps of (a) preparing a mixture of a plurality of raw materials,
the device comprises a financial payment chip, an NFC module, a Bluetooth module, a power management module, a fingerprint verification chip, a display screen and keys;
the financial payment chip is respectively connected with the NFC module, the Bluetooth module, the fingerprint verification chip and the keys; the Bluetooth module is respectively connected with the power management module, the NFC module and the display screen; the display screen is connected with the NFC module;
the Bluetooth module is used for pairing and connecting with transaction equipment during transfer;
the key is used for sending a key signal instruction of the transfer amount to the financial payment chip after the cardholder inputs the transfer amount;
the financial payment chip is used for carrying out data processing on the key signal instruction of the transfer amount to form transfer information;
the Bluetooth module is used for carrying out wireless communication with transaction terminal equipment through a Bluetooth circuit to complete account transfer payment transaction;
and the display screen is used for displaying the balance after transferring.
2. The digital currency card supporting dual offline transactions according to claim 1, wherein: the power management module comprises a battery and a power management circuit connected with the battery and is used for supplying power to the financial payment chip, the Bluetooth module, the fingerprint verification chip and the display screen.
3. The digital currency card supporting dual offline transactions according to claim 1, wherein: and the NFC module is used for carrying out wireless communication with transaction terminal equipment through the NFC circuit under the emergency condition that the transfer transaction cannot be carried out through the Bluetooth circuit due to the fact that the battery is not charged, so that the close-range safe payment transaction is realized.
4. The digital currency card supporting dual offline transactions according to claim 3, wherein: the transaction terminal device includes but is not limited to another digital currency card supporting double offline transactions, a mobile phone, a POS machine and a card reader.
5. The digital currency card supporting dual offline transactions according to claim 1, wherein: the fingerprint verification chip is used for verifying the validity of a cardholder through fingerprint identification when transferring accounts.
6. The digital currency card supporting dual offline transactions according to claim 1, wherein: bluetooth module is equipped with the localization tracking function, carries out localization tracking when being convenient for lose.
7. The digital currency card supporting dual offline transactions according to claim 1, wherein: the keys comprise a number key for inputting a password or transferring amount, a C key for deleting, an OK key for determining and a general switch key for turning on or off the power supply.
8. The digital currency card supporting dual offline transactions according to claim 1, wherein: the display screen is a liquid crystal display screen or a low-power consumption electronic ink screen.
9. A digital currency card manufacturing method supporting double off-line transactions is characterized in that: comprises the following steps of (a) carrying out,
s10, manufacturing a PCB layer: selecting a PVC sheet with the same thickness according to the highest point thickness of components on the PCB, flattening the PVC sheet by using a hot pressing process, punching a frame matched with the shape and the size of the PCB in the middle of the PVC sheet, putting the PCB into the frame punched by using the PVC sheet, scraping the frame by using prepared cold-pressing glue, and naturally airing or drying the frame at low temperature;
s20, manufacturing two printing layers: printing a card pattern on a PET sheet, attaching a PC transparent film or a PVC transparent film on the card pattern, and putting the card pattern into a laminating machine for hot pressing until the card pattern is flat;
s30, respectively coating cold-pressing glue on the surfaces of the two printing layers opposite to the card patterns, and then aligning and laminating the two printing layers with the PCB layer;
s40, placing the two laminated printing layers and the PCB layer into a special cold press for cold pressing, and enabling the two printing layers and the PCB layer to be bonded;
and S50, putting the cold-pressed material into a card punching machine for punching to manufacture the standard digital currency card supporting double off-line transactions.
10. The method of making a digital currency card supporting dual offline transactions according to claim 9, wherein: the PVC sheet used in step S10 may be replaced with a PET sheet or a PC sheet.
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CN113888161A (en) * | 2021-10-28 | 2022-01-04 | 支付宝(杭州)信息技术有限公司 | Processing method, device and equipment for offline transaction |
CN114418052A (en) * | 2022-03-29 | 2022-04-29 | 深圳市合扬智能卡科技有限公司 | Digital currency payment visible card with positioning function and charging system |
WO2023143566A1 (en) * | 2022-01-30 | 2023-08-03 | 中国人民银行数字货币研究所 | Digital currency transaction method and system and digital currency card application apparatus |
CN116562870A (en) * | 2022-01-30 | 2023-08-08 | 中国人民银行数字货币研究所 | Digital currency transaction method and device |
WO2024046432A1 (en) * | 2022-09-01 | 2024-03-07 | 中国人民银行数字货币研究所 | Digital currency transaction method, apparatus, device, and system |
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CN113888161A (en) * | 2021-10-28 | 2022-01-04 | 支付宝(杭州)信息技术有限公司 | Processing method, device and equipment for offline transaction |
WO2023143566A1 (en) * | 2022-01-30 | 2023-08-03 | 中国人民银行数字货币研究所 | Digital currency transaction method and system and digital currency card application apparatus |
CN116562870A (en) * | 2022-01-30 | 2023-08-08 | 中国人民银行数字货币研究所 | Digital currency transaction method and device |
CN114418052A (en) * | 2022-03-29 | 2022-04-29 | 深圳市合扬智能卡科技有限公司 | Digital currency payment visible card with positioning function and charging system |
WO2024046432A1 (en) * | 2022-09-01 | 2024-03-07 | 中国人民银行数字货币研究所 | Digital currency transaction method, apparatus, device, and system |
WO2024131399A1 (en) * | 2022-12-19 | 2024-06-27 | 李鹤 | Card with toggle adjustment arrangement |
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