WO2018141143A1 - Monnaie numérique conforme à un système binaire - Google Patents

Monnaie numérique conforme à un système binaire Download PDF

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Publication number
WO2018141143A1
WO2018141143A1 PCT/CN2017/084697 CN2017084697W WO2018141143A1 WO 2018141143 A1 WO2018141143 A1 WO 2018141143A1 CN 2017084697 W CN2017084697 W CN 2017084697W WO 2018141143 A1 WO2018141143 A1 WO 2018141143A1
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Prior art keywords
digital
currency
message
digital currency
coin
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PCT/CN2017/084697
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English (en)
Chinese (zh)
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吕文华
宛海加
董宁
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吕文华
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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
    • 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
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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

Definitions

  • the present invention relates to the field of Internet technologies, and in particular, to a digital coin conforming to a binary system.
  • Banknotes commonly known as "money", are familiar to everyone today. There are many inconveniences and disadvantages in banknotes, such as: First, the cost of anti-counterfeiting: banknotes anti-counterfeiting requires a lot of cost in printing, banknote verification and other links. Second, the cost of transportation: cash trucks, escorts, etc. Third, the cost of replacement: easy to be old, damaged, damaged. There are phenomena such as easiness and damage in the circulation of banknotes, and there are cases of damage or burning in the preservation process. Renewed coins need to be reissued regularly to recycle old coins. Fourth, the price of sedimentation: Chinese people love cash, especially in the vast rural areas.
  • Bitcoin It has been defined by the central bank as “a valuable commodity, not a currency”. Bitcoin has no issuers and is randomly mined. More similar to the original gold mining. It is a primitive form that everyone can mine. The reason why the popularity is worshipped is because the number of bits that can be mined is limited, and there is a limit to the number of plums that can be produced. It is therefore considered as network gold.
  • the bottom layer of Bitcoin is supported by blockchain technology. It is a game for all people mining. The core point is "common witness and mutual trust.” The underlying support for this common witness is the blockchain technology.
  • the core of blockchain technology is the decentralized, non-centralized concept of pure interconnection and mutual trust.
  • Netcoin such as "Q coins”, “game coins”, “xx beans”, etc., is just a way for a merchant to book their own books, and is equivalent to the website points. From the technical point of view or from the perspective of the distribution mechanism, the currency cannot be equated with the digital currency.
  • the ideal digital coin must first conform to the binary architecture of the banking industry, with a clear issuer and It can be controlled for distribution, circulation and recycling. It is advisable in a binary banking system. It can be transferred offline between individuals (C2C). It is payable in commercial consumption (B2C). Real-name holding in the circulation link, real-name signing and signing, tracking traces can be traced, traceable, and analyzable.
  • the present invention provides a digital coin conforming to a binary system, by which the "digitalization of banknotes" is realized or a new currency is issued by using the technology, thereby reducing various types of costs in currency issuance, and effectively Reduce the inaccuracy of circulation caused by the precipitation and sleep of traditional banknotes, effectively improve the unfavorable situation that traditional paper cannot be traced, traced and statistically analyzed in circulation, effectively improve the safety of holders' transportation and transportation: and adapt to the Internet era.
  • the environment improves the online payment, the application experience of the transaction and the purpose of security needs.
  • an aspect of the present invention provides a digital coin conforming to a binary system, the digital coin comprising:
  • the digital currency positive message is used to transmit the digital currency positive message containing the digital certificate of the sender to the digital signature field of the coin currency content of the positive message of the digital currency to the receiving end for display in the circulation link;
  • the back of the digital coin is used to authenticate and sign the information of the positive message of the digital currency from the sender to the receiver using the digital certificate of the trusted platform or the digital certificate of the registration center.
  • the back of the digital coin is not used as the digital currency stub. Between the ends, do not leave the trusted platform.
  • the digital currency positive message includes, but is not limited to, a text content, a pattern information, and/or a digital certificate signature of the issuing institution on the front side of the digital currency;
  • the back of the digital coin includes but is not limited to the text content and pattern letter on the back of the digital coin.
  • the text content on the front side of the digital currency includes but is not limited to one or more of a message header, an issuer, a digital currency denomination, a digital currency unit, a year number, and/or a currency number;
  • the pattern information on the front side of the digital coin includes, but is not limited to, one or more of a stamp code, a pattern code, and/or a shading code;
  • the text content on the back of the digital coin includes, but is not limited to, one or more of a message header, an issuer, a digital currency denomination, a digital currency unit, a year number, a currency number, and/or a currency number derivative code;
  • the pattern information on the back side of the digital coin includes, but is not limited to, one or more of a stamp code, a pattern code, and/or a shading code;
  • the registration center digital certificate is used for authenticating the signature of the flow information to the sender and/or the receiver.
  • the currency number is generated by a coin number generator, including but not limited to a unique currency number of the digital currency generated by the combination of the crown word and the unique serial number, the currency number being distributed to the digital currency positive report when the digital currency is issued Text and digital coin back message;
  • the contents of the message header, issuer, digital currency denomination, digital currency unit, year number, currency number derivative code, stamp code, pattern code, and shading code of the digital currency are preset by the issuing institution and imported into the coinage server. in.
  • the invention also provides a method for circulation of a binary system digital coin, which is applied to the digital currency conforming to the binary system, the method comprising:
  • the sending end sends the first transaction message for signing the positive message of the digital currency to the trusted platform
  • the sending end sends, to the trusted platform, a first transaction message for signing a positive message of the digital currency, including:
  • the sender obtains the information of the receiver through the handshake protocol
  • the sending end digital certificate signs the first transaction message, and sends the signed first transaction message to the trusted platform through the trusted channel established with the trusted platform, where the first transaction message carries at least Receiver information.
  • the receiving the first acceptance result returned by the trusted platform includes:
  • the digital coin positive message in the signing end includes:
  • the transaction time expires, receiving the receipt failure prompt information returned by the trusted platform, and receiving the digital currency positive message with the circulation authority.
  • the invention also provides a method for circulation of a binary system digital coin, which is applied to the digital currency conforming to the binary system, the method comprising:
  • the trusted platform receives and verifies the first transaction message sent by the sender to the positive message of the digital coin, and receives and verifies the second transaction message after the receipt of the positive message of the digital currency sent by the receiving end;
  • the current holder information in the back message of the digital coin corresponding to the second transaction message is updated, and the second party acceptance result is returned to the sender and the receiver respectively after signing the signature on the back of the digital coin.
  • the trusted platform receives and verifies the first transaction message sent by the sending end after the positive message of the digital currency is signed, including:
  • the trusted platform receives the first transaction message sent by the sender after signing the positive message of the digital currency
  • the first acceptance result of the failure of the signing is returned to the sending end, and the subsequent operation of the message on the back of the digital coin is stopped.
  • the trusted platform receives and verifies the second transaction message sent by the receiving end after the positive message of the digital coin is signed, and updates the current holding in the back message of the digital coin corresponding to the second transaction message.
  • the backend of the digital coin corresponding to the first transaction message is thawed, and the second acceptance result of the failure of the receipt is returned to the sender and the receiver respectively;
  • the second transaction message after the signature sent by the receiving end is not received within the transaction time, the back of the digital currency corresponding to the first transaction message is thawed, and the second acceptance of the failure of the receipt is returned to the sending end and the receiving end respectively. result.
  • the verification fails, including but not limited to, the same digital coin positive message is repeatedly signed or the digital certificate of the sender is unqualified.
  • the invention provides a binary system digital currency circulation method, which is applied to the digital currency complying with the binary system, and the method comprises:
  • the receiving end receives the digital currency positive message in the signing sent by the sending end;
  • a second transaction message for signing a positive message of the digital currency comprising:
  • the receiving end acquires the sending end information by using a handshake protocol
  • the receiving end digital certificate signs the second transaction message, and sends the signed second transaction message to the trusted platform during the transaction time through the trusted channel established with the trusted platform, the second The transaction message carries at least the sender information.
  • the receiving the second acceptance result returned by the trusted platform includes:
  • the invention also provides a method for circulation of a binary system digital coin, the method comprising:
  • the sending end sends the first transaction message for signing the positive message of the digital currency to the trusted platform
  • the trusted platform After receiving and verifying the first transaction message sent by the sender to the first party of the digital currency, the trusted platform returns the first acceptance result to the sender;
  • the sending end After receiving the first acceptance result, the sending end sends the digital currency positive message in the signing to the receiving end;
  • the receiving end sends a second transaction message for signing the positive message of the digital currency to the trusted platform;
  • the trusted platform receives and verifies the second transaction message sent by the receiving end after the receipt of the digital coin positive message, and updates the current holder information in the back message of the digital coin corresponding to the second transaction message, and updates the number After the signature of the back of the coin is signed, the second acceptance result is returned to the sender and the receiver respectively.
  • the invention also provides a circulation system of a binary system digital coin, the system comprising:
  • a first sending end sending module configured to send, by using a sending end, a first transaction message for signing a digital coin positive message to the trusted platform;
  • a sending end receiving module configured to receive a first receiving result returned by the trusted platform
  • the second sending end sending module is configured to send the digital currency positive message in the signing to the receiving end based on the first receiving result.
  • the first sending end sending module includes:
  • a first handshake protocol unit configured to obtain, by the sending end, the receiving end information by using a handshake protocol
  • a first requesting unit configured to request, from the server, a transaction message based on a digital coin positive message
  • a first sending unit configured to receive a first transaction message based on a digital coin positive message returned by the server, and use the sender digital certificate to sign the first transaction message, and establish a trusted channel with the trusted platform And sending the signed first transaction message to the trusted platform, where the first transaction message carries at least the receiving end information.
  • the sending end receiving module includes:
  • the first receiving unit is configured to receive a first acceptance result of the successful return of the trusted platform, the transaction time carried by the first acceptance result, and simultaneously lock the circulation authority of the positive message of the digital currency, and only open the first transaction based on the first transaction The operational authority of the transaction content in the message; or
  • the second receiving unit is configured to receive the first receiving result of the signing failure returned by the trusted platform, and stop the subsequent operation on the back of the digital coin.
  • the method further includes: receiving a second acceptance result returned by the trusted platform, where the second acceptance result includes:
  • a third receiving unit configured to receive, during the transaction time, the signing success prompt information returned by the trusted platform, or
  • the fourth receiving unit is configured to receive the receipt failure prompt information returned by the trusted platform after the transaction time expires, and receive the digital currency positive message with the circulation authority.
  • the invention also provides a circulation system of a binary system digital coin, the system comprising:
  • the receiving verification module is configured to receive and verify, by the trusted platform, the first transaction message sent by the sending end for the positive message of the digital coin, and receive and verify the first message after receiving the positive message of the digital currency sent by the receiving end Second transaction message;
  • the update signing module is configured to update the current holder information in the back message of the digital coin corresponding to the second transaction message, and after signing the signature on the back of the digital coin; returning to the sending end and the receiving end respectively Second, accept the results.
  • the receiving verification module includes:
  • Receiving a verification unit configured to: after receiving, by the trusted platform, the first transaction message after the signature of the positive message of the digital currency sent by the sending end;
  • the first acceptance result of the failure of the signing is returned to the sending end, and the subsequent operation of the message on the back of the digital coin is stopped.
  • update and signing module includes:
  • the update signing unit is configured to receive the second transaction message after the signature sent by the receiving end within the transaction time, and obtain the signature of the second transaction message of the receiving end public key certificate, and after the verification is passed, the thawing is performed.
  • the second transaction message corresponds to the back of the digital coin; based on the second transaction message, the holder information on the back of the digital coin is updated, and the digital certificate on the back of the digital coin is used for signing the signature on the back of the digital currency; Returning the second acceptance result of the successful receipt to the sender and the receiver respectively;
  • the backend of the digital coin corresponding to the first transaction message is thawed, and the second acceptance result of the failure of the receipt is returned to the sender and the receiver respectively;
  • the second transaction message after the signature sent by the receiving end is not received within the transaction time, the back of the digital currency corresponding to the first transaction message is thawed, and the second acceptance of the failure of the receipt is returned to the sending end and the receiving end respectively. result.
  • the verification fails, including but not limited to, the same digital coin positive message is repeatedly signed or the digital certificate of the sender is unqualified.
  • the invention provides a circulation system of a binary system digital coin, the system comprising:
  • the first receiving end receiving module is configured to receive, by the receiving end, a digital currency positive message in the signing sent by the sending end;
  • a receiving end sending module configured to send, to the trusted platform, a second transaction message for signing a digital coin positive message
  • the second receiving end receiving module is configured to receive the second receiving result returned by the trusted platform based on the second transaction message.
  • the receiving end sending module includes:
  • a receiving end sending unit configured to receive, by the receiving end, the sending end information by using a handshake protocol
  • a second requesting unit configured to request, from the server, a transaction message feedback request based on a digital coin positive message
  • the receiving end receiving unit is configured to receive a second transaction message based on the digital coin positive message returned by the server, and use the receiving end digital certificate to sign the second transaction message, and establish a trusted channel through the trusted platform. And sending the signed second transaction message to the trusted platform during the transaction time, where the second transaction message carries at least the sender information.
  • the second receiving end receiving module includes:
  • a second receiving end receiving unit configured to receive a second receiving result that is successfully returned by the trusted platform; and store a digital currency positive message with a circulation right;
  • the present invention also provides a circulation device for a binary system digital coin, including the system described.
  • the invention also provides an operating system of a binary system digital coin, which is applied to the method for circulating a digital currency or a binary system digital currency according to the binary system, the system comprising:
  • the issuance library is used for signing and storing the digital coins after leaving the factory, and the digital coin is signed and distributed to the bank library, and the back of the digital coin is signed and distributed to the trusted platform;
  • bank library which is an intermediate circulation library for distributing positive digital message from the issuing library to the bank for signing and storing the digital currency positive message distributed by the distribution library;
  • a trusted platform for signing and storing the back message of the digital coin distributed by the distribution library, recording the transfer information of the flow of the back of the digital coin, and performing the signing and verification management on the transfer information;
  • a registration center for registering and managing data of the digital currency uploaded by the trusted platform in the coinage, circulation and/or circulation links;
  • the certification center is used to verify the data of the digital currency uploaded by the trusted platform in the circulation and/or circulation, and manage the ownership authentication of the digital currency uploaded by the trusted platform in the circulation and/or circulation;
  • the signing information is verified and verified, including:
  • Signing the sign-off information with a trusted platform digital certificate verifying the digital signature of the back-end message of the digital currency by the issuing system, the banking system and/or the user client;
  • the monitoring, monitoring, forecasting, and/or early warning of data uploaded by the registration center and/or the certification center includes, but is not limited to, analysis based on traces of digital currency records recorded by the registration center and/or the certification center, Currency circulation assessment controls and/or large data extraction on demand for digital currency circulation and different denomination usage rates.
  • the coinage system is configured to manufacture a digital coin conforming to a binary system, digitally sign the digital coin content using a coinage system digital certificate, and write the signature result into a corresponding field in the digital currency message, and issue and distribute
  • the trusted channel established by the system leaves the digital currency and sends it to the distribution system of the distribution system.
  • the coinage system further includes a style setting device, a batch setting device, and a coin number generator device;
  • the genre setting device configured to set one or more of a message header, an issuer, a digital currency denomination, a digital currency unit, and/or a year number including, but not limited to, a digital coin;
  • the batch setting device is configured to set one or more of a batch number and/or a production quantity parameter including, but not limited to, a digital coin;
  • the coin number generator is configured to generate a unique combination currency number including, but not limited to, one or more of a crown word and a serial number, wherein the crown word includes but is not limited to a crown, a batch number Composition information; the currency number is distributed to the front of the digital currency and the back of the digital currency when the digital currency is issued.
  • the invention also provides a method for operating a binary system digital coin, which is applied to a circulation system of a binary currency or a binary system digital currency according to the binary system, the method comprising:
  • the issuing library signs and stores the digital coins after leaving the factory, and signs the digital currency positive message and distributes it to the bank library. At the same time, the digital coin back message is signed and distributed to the trusted platform;
  • the bank library signs and stores the digital currency positive message distributed by the distribution library, and is an intermediate circulation library for the digital currency positive message to be distributed from the issuing library to the bank;
  • the trusted platform signs and stores the back message of the digital coin distributed by the distribution library, records the transfer information of the flow of the back of the digital coin, and performs the signing and verification management of the signed transfer information;
  • the registration center registers and manages the data of the digital currency uploaded by the trusted platform in the coinage, circulation and/or circulation links;
  • the certification center verifies the data of the digital currency uploaded by the trusted platform in the circulation and/or circulation, and manages the ownership certification of the digital currency uploaded by the trusted platform in the circulation and/or circulation;
  • the Data Analysis Center monitors, monitors, predicts, and/or alerts data uploaded by the registration center and/or certification authority.
  • the coinage system manufactures a digital currency that conforms to the binary system, digitally signs the digital currency content using the coinage system digital certificate, and writes the signature result into the corresponding field in the digital currency message, and establishes trust through the distribution system.
  • Channel the step of shipping the digital currency and sending it to the distribution system of the distribution system.
  • the invention provides a digital currency complying with a binary system, the digital currency comprising: a digital currency positive message, which is used for digitizing the digital content of the sender's digital certificate on the front side of the digital currency in the circulation link.
  • the signed field is transmitted as part of the digital coin positive message to the receiving end for display; and the digital coin back message is used to transfer the positive digital message of the digital currency using the digital certificate of the trusted platform or the digital certificate of the registration center.
  • Signing information for forensic and signing, the back of the digital currency does not participate in the circulation, does not leave the technical solution of the trusted platform, realizes the "digitalization of banknotes", and can use the technology to issue new currencies.
  • the technical solution of the invention can effectively reduce various types of costs in the currency issuance: the cost of anti-counterfeiting: the anti-counterfeiting of banknotes requires a large amount of cost in the printing and banknote verification. Second, the cost of transportation: cash trucks, escorts, etc. Third, the cost of replacement: easy to be old, damaged, damaged. There are phenomena such as easiness and damage in the circulation of banknotes, and there are cases of damage or burning in the preservation process. Renewed coins need to be reissued regularly to recycle old coins.
  • banknotes are easy to be stolen or robbed, and it is not safe to carry a large amount of banknotes and cash. Not convenient.
  • FIG. 1 is a block diagram showing the structure of a digital coin conforming to a binary system according to the present invention
  • 3 is an example of a back-end message of a digital coin conforming to a binary system according to the present invention
  • FIG. 4 is a flow chart of a method for circulating a binary system digital currency according to the present invention.
  • Figure 5 is a second flow chart of a method for circulating a binary system digital currency according to the present invention.
  • FIG. 6 is a third flowchart of a method for circulating a binary system digital currency according to the present invention.
  • FIG. 7 is a fourth flowchart of a method for circulating a binary system digital currency according to the present invention.
  • Figure 8 is a block diagram showing the structure of a binary system digital currency circulation system according to the present invention.
  • FIG. 9 is a second structural block diagram of a binary system digital currency circulation system according to the present invention.
  • Figure 10 is a block diagram showing the structure of a binary system digital currency circulation system according to the present invention.
  • Figure 11 is a block diagram showing the structure of a binary system digital currency circulation device according to the present invention.
  • Figure 12 is a block diagram showing the structure of a binary system digital currency circulation device according to the present invention.
  • Figure 13 is a block diagram showing the structure of a binary system digital currency circulation device according to the present invention.
  • Figure 14 is a block diagram showing the structure of a binary system digital currency circulation device according to the present invention.
  • 15 is a structural block diagram of an operating system of a binary system digital coin according to the present invention.
  • Figure 16 is a flow chart showing a method of operating a binary system digital coin in accordance with the present invention.
  • Figure 17 is a block diagram showing the structure of an application example of a binary system digital coin in accordance with the present invention.
  • the digital coin 100 includes:
  • the digital currency positive message 11 is used for transmitting the digital currency positive message containing the digital certificate of the sender's face to the digital signature field of the coin currency content of the positive message of the digital currency to the receiving end for display in the circulation link.
  • Digitally signing the currency content summary of the digital coin positive message using the digital certificate containing the sender preferably, digitally signing the digital currency message using the issuer digital certificate when the digital currency is issued, which can effectively prevent counterfeiting and tamper.
  • the back of the digital coin message 12 is used to authenticate and sign the information of the positive message of the digital currency from the sender to the receiver using the digital certificate of the trusted platform or the digital certificate of the registration center.
  • the back of the digital coin is not used as the digital currency stub.
  • the client runs between the clients without leaving the trusted platform.
  • the electronic signature of the digital certificate has unforgeable and non-tamperable characteristics, including but not limited to an asymmetric key encryption method with a certificate authority, a certificate holder, and a signature time stamp, and supports the national secret algorithms SM2, SM3, and SM4.
  • Electronic signature All signatures in the front of the digital currency, the back of the digital currency (digital currency stub), and all transmissions of the digital currency positive message and the back of the digital currency are applicable to the national secret (SM2, SM3, SM4).
  • Algorithm standard And also supports the internationally accepted RSA algorithm standard. That is, the adaptive dual algorithm standard is supported at the same time.
  • the trusted platform is the next level of the registration center and can be collectively referred to as the “father and son” relationship. Therefore, in order to reduce the pressure on the registration center, the digital certificate of the trusted platform or the digital certificate of the registration center can be used for authentication and signing.
  • the digital coin front message 11 includes, but is not limited to, text content, pattern information, and/or issuer digital certificate signature on the front side of the digital currency;
  • Digital coin back message (ticket stub) 12 includes, but is not limited to, text content on the back of the digital coin, pattern information, issuer digital certificate signature, previous holder digital certificate signature, current holder digital certificate signature and/or registration center Digital certificate signature.
  • the text content on the front side of the digital currency includes but is not limited to one or more of a message header, an issuer, a digital currency denomination, a digital currency unit, a year number, and/or a currency number;
  • the pattern information on the front side of the digital coin includes, but is not limited to, one or more of a stamp code, a pattern code, and/or a shading code;
  • the text content on the back of the digital coin includes, but is not limited to, one or more of a message header, an issuer, a digital currency denomination, a digital currency unit, a year number, a currency number, and/or a currency number derivative code;
  • the pattern information on the back side of the digital coin includes, but is not limited to, one or more of a stamp code, a pattern code, and/or a shading code;
  • the registration center digital certificate is used for authenticating the signature of the flow information to the sender and/or the receiver.
  • the currency number is generated by a coin number generator, including but not limited to a unique currency number of the digital currency generated by the combination of the crown word and the unique serial number, the currency number being distributed to the digital currency positive report when the digital currency is issued Text and digital coin back message;
  • the crown includes, but is not limited to, the crown, the batch number, etc., the batch number, including but not limited to: the set batch number, the production quantity parameter when the digital coin is generated One or more of them are combined.
  • the contents of the message header, issuer, digital currency denomination, digital currency unit, year number, currency number derivative code, stamp code, pattern code, and shading code of the digital currency are preset by the issuing institution and imported into the coinage server. in.
  • the first and second digits of the digital coin are signed and signed by the sender and the receiver, and the digital message is received.
  • the transfer information of the transfer is authenticated and signed in the message on the back of the digital certificate.
  • the digital currency When the digital currency is in a different hand, it must be signed and signed, that is, the current holder of the digital currency must first use the digital certificate electronic signature to sign to whom the coin is to be handed over to others.
  • the signature result is submitted to the trusted platform and trusted.
  • the platform registers and signs the digital coin stub.
  • the receiving end After receiving the positive message of the digital currency, the receiving end displays the digital currency content and the pattern in the terminal, and the receiving end must also use the digital certificate to sign the digital currency, and the signing result is submitted to the trusted platform for the back of the digital coin (coin) Root) Make a registration change owner. That is, the recipient changes to the current holder of the digital currency.
  • the positive message of the digital currency is a circulation flow message
  • the digital certificate of the issuer digitally signs the summary of the currency surface
  • the authenticity of the digital currency is used for verification It is transferred in the process of bank access, commercial consumption, and personal funds.
  • the back of the digital coin is stored in the trusted platform and does not participate in circulation.
  • the status of the digital currency, the current holder's digital certificate signature, and the registration center digital signature are recorded. It is used for registration and registration in the trusted platform, does not participate in any social circulation, and does not leave the trusted platform.
  • Another message that is distributed to the back of the digital coin is the digital coin stub (for the transfer of the deposit certificate, which is not included in the circulation on the trusted platform).
  • digital coins positive
  • the inventors found that digital coins (positive) also experienced loss and damage in the circulation. For example, if the party signing the party sends out the signing, the party may fail to receive the digital currency due to network failure, power failure of the mobile phone, software driver, etc., or the digital currency message received is incomplete. This situation is considered a loss or damage to the digital currency.
  • the invention adopts the digital coin stub mechanism, when the digital coin (front side) is damaged, the loss, the loss report, and the evidence are available, and the digital certificate electronic signature has legal effect, and the signing record of the digital currency stub can effectively prove that the Who will replace the new currency.
  • FIG. 4 is a flow chart showing a method for circulating a binary system digital coin, which is applied to a binary system digital coin 100 according to the first embodiment.
  • the sending end of the signing process for the digital currency signing includes steps S210 to S230:
  • the sending end sends the first transaction message for signing the digital coin positive message to the trusted platform, including:
  • the sending end acquires the receiving end information through the handshake protocol; requests the server to receive the transaction message based on the digital coin positive message, receives the first transaction message based on the digital coin positive message returned by the server, and uses the sending end digital certificate to the first
  • a transaction message is signed, and the signed first transaction message is sent to the trusted platform by using a trusted channel established with the trusted platform, and the first transaction message carries at least the receiving end information.
  • step S220 receiving the first acceptance result returned by the trusted platform, including:
  • step S230 the digital currency positive message in the signing is sent to the receiving end based on the first receiving result, and then includes:
  • the transaction time expires, receiving the receipt failure prompt information returned by the trusted platform, and receiving the digital currency positive message with the circulation authority.
  • the signing In the circulation of digital coins, the signing must be signed when the hands are different. That is, the current holder of the digital currency must first sign the digital signature with the electronic signature when signing the coin, and the signature result is submitted to the trusted platform.
  • the digital currency ticket stub is registered and signed by the trusted platform. Ensure the safety of digital coins in the circulation.
  • FIG. 5 is a flow chart showing a method for circulating a binary system digital coin, which is applied to a binary system digital coin 100 according to the first embodiment.
  • the process includes steps S310 to S320:
  • step S310 the trusted platform receives and verifies the first transaction message sent by the sender to the digital coin positive message and the second transaction message sent by the receiver to the digital coin positive message.
  • the trusted platform receives and verifies the first transaction message sent by the sending end after the positive message of the digital currency is signed, including:
  • the trusted platform receives the first transaction message sent by the sender after signing the positive message of the digital currency; and the sender public key certificate is used to verify the signature of the first transaction message, and after the verification is passed, the transaction is frozen during the transaction time.
  • the first transaction message corresponds to the back of the digital coin; the first acceptance result of the successful payment is returned to the sender; after the verification fails, the first acceptance result of the failure of the payment is returned to the sender, and the digital currency is stopped. Subsequent operation of the back message.
  • step S320 the current holder information in the back message of the digital coin corresponding to the second transaction message is updated, and the signature of the digital coin back is verified; and the second acceptance is returned to the sending end and the receiving end respectively. result.
  • the trusted platform receives and verifies the positive of the digital currency sent by the receiving end
  • the second transaction message after the message is signed, updating the current holder information in the back message of the digital coin corresponding to the second transaction message, and adding the signature to the back of the digital coin;
  • the receiving end returns the second acceptance result, including:
  • the backend of the digital coin corresponding to the first transaction message is thawed, and the second acceptance result of the failure of the receipt is returned to the sender and the receiver respectively;
  • the second transaction message after the signature sent by the receiving end is not received within the transaction time, the back of the digital currency corresponding to the first transaction message is thawed, and the second acceptance of the failure of the receipt is returned to the sending end and the receiving end respectively. result.
  • the verification fails, including but not limited to, the same digital coin positive message is repeatedly signed or the digital certificate of the sender is unqualified.
  • digital currency When digital currency is circulated in the Internet, it must be trusted by the trusted platform for digital currency stubs (Digital Coins) to protect against digital security, such as anti-copying, anti-theft, and anti-counterfeiting.
  • digital currency stubs Digital Coins
  • the back side which is the other half of the money, carries out the transfer and verification management. This design makes the digital currency (positive) that flows between the Internet easier and more feasible.
  • FIG. 6 is a flow chart showing a method for circulating a binary system digital coin, which is applied to a binary system digital coin 100 according to the first embodiment.
  • step S410 the receiving end receives the digital currency positive message in the signing sent by the sending end.
  • step S420 the second transaction message for signing the digital coin positive message is sent to the trusted platform, including:
  • the receiving end acquires the sending end information through the handshake protocol; requests the server based on the digital currency
  • the transaction message feedback request of the front message receiving the second transaction message based on the digital coin positive message returned by the server, and signing the second transaction message by using the digital certificate of the receiving end, and establishing the second transaction message through the trusted platform
  • the trusted channel sends the signed second transaction message to the trusted platform during the transaction time, and the second transaction message carries at least the sender information.
  • step S430 receiving, according to the second transaction message, the second acceptance result returned by the trusted platform, including:
  • the signing In the circulation of digital coins, the signing must be signed when the hands are different. That is, the current holder of the digital currency must first sign the digital signature with the electronic signature when signing the coin, and the signature result is submitted to the trusted platform.
  • the digital currency ticket stub is registered and signed by the trusted platform. Ensure the safety of digital coins in the circulation.
  • FIG. 7 is a flow chart showing a method for circulating a binary system digital coin, which is applied to a binary system digital coin 100 according to the first embodiment. Including steps S510 to S550:
  • step S510 the sender sends a first transaction message for signing a digital coin positive message to the trusted platform.
  • step S520 the trusted platform receives and verifies the first transaction message sent by the sender to the first party of the digital coin, and returns the first acceptance result to the sender.
  • step S530 after receiving the first acceptance result, the transmitting end sends the digital currency positive message in the signing to the receiving end.
  • step S540 the receiving end sends a second transaction message for signing the digital coin positive message to the trusted platform.
  • step S550 the trusted platform receives and verifies the second transaction message sent by the receiving end after the receipt of the digital coin positive message, and updates the current holder information in the back message of the digital coin corresponding to the second transaction message. And after signing the signature on the back of the digital coin, returning the second acceptance result to the sender and the receiver respectively.
  • the sender and the recipient will sign and sign the positive message of the digital coin with their respective real-name digital certificates, and at the same time, the positive sign of the digital currency is transferred.
  • the transfer information is verified and signed in the message on the back of the digital certificate.
  • the digital currency When the digital currency is in a different hand, it must be signed and signed. That is, the current holder of the digital currency must first sign the digital signature to the credit card when the other party wants to use the digital certificate. The signature result is submitted to the trusted platform via the digital coin wallet. The digital currency ticket stub is registered and signed by the trusted platform.
  • the receiver After receiving the positive message of the digital currency, the receiver displays the digital currency content and the pattern in the terminal, and the recipient must also use the digital certificate to sign the digital currency, and the receipt result is submitted to the trusted platform to register and change the coin root. By. That is, the recipient changes to the current holder of the digital currency.
  • FIG. 8 there is shown a block diagram of a binary system digital currency circulation system 200 for use in a binary system digital currency 100 as described in the first embodiment.
  • the system includes:
  • the first sending end sending module 21 is configured to send, by using the sending end, the first transaction message for signing the digital coin positive message to the trusted platform.
  • the sending end receiving module 22 is configured to receive the first receiving result returned by the trusted platform.
  • the second sending end sending module 23 is configured to send the digital currency positive message in the signing to the receiving end based on the first receiving result.
  • the sender signs the positive message of the digital coin by the sender with the real-name digital certificate, and the sign-off information of the positive message of the digital coin is reported on the back of the digital certificate.
  • the forensic sign is added.
  • the digital currency When the digital currency is in a different hand, it must be signed and signed. That is, the current holder of the digital currency must first sign the digital signature to the credit card when the other party wants to use the digital certificate. The signature result is submitted to the trusted platform via the digital coin wallet. The digital currency ticket stub is registered and signed by the trusted platform.
  • FIG. 9 there is shown a block diagram of a binary system digital currency circulation system 300 for use in a binary system digital currency 100 as described in the first embodiment.
  • the system includes:
  • the receiving verification module 31 is configured to receive and verify, by the trusted platform, the first transaction message sent by the sending end for the positive message of the digital coin, and the second transaction after the receipt of the positive message of the digital currency sent by the receiving end. Message.
  • the update signing module 32 is configured to update the current holder information in the back message of the digital coin corresponding to the second transaction message, and after signing the signature on the back of the digital coin, returning to the sending end and the receiving end respectively Second acceptance result.
  • the sender and the recipient will sign and sign the positive message of the digital coin with their respective real-name digital certificates, and at the same time, the positive sign of the digital currency is transferred.
  • the transfer information is verified and signed in the message on the back of the digital certificate. Guarantee the authenticity and security of the digital currency.
  • FIG. 10 there is shown a block diagram of a binary system digital currency circulation system 400 for use in a binary system digital currency 100 as described in the first embodiment.
  • the system includes:
  • the first receiving end receiving module 41 is configured to receive, by the receiving end, a digital currency positive message in the signing sent by the sending end.
  • the receiving end sending module 42 is configured to send a second transaction message for signing the digital coin positive message to the trusted platform.
  • the second receiving end receiving module 43 is configured to receive the second receiving result returned by the trusted platform based on the second transaction message.
  • the sender and the recipient will sign and sign the positive message of the digital coin with their respective real-name digital certificates, and at the same time, the positive sign of the digital currency is transferred.
  • the transfer information is verified and signed in the message on the back of the digital certificate.
  • the digital currency When the digital currency is in a different hand, it must be signed and signed. That is, the current holder of the digital currency must first sign the digital signature to the credit card when the other party wants to use the digital certificate. The signature result is submitted to the trusted platform via the digital coin wallet. The digital currency ticket stub is registered and signed by the trusted platform.
  • the receiver After receiving the positive message of the digital currency, the receiver displays the digital currency content and the pattern in the terminal, and the recipient must also use the digital certificate to sign the digital currency, and the receipt result is submitted to the trusted platform to register and change the coin root. By. That is, the recipient changes to the current holder of the digital currency.
  • Figures 11-14 illustrate a block diagram of a binary system digital currency distribution device 500 that includes one or more of the systems 200, 300 or 400 described.
  • smart terminals including one or more of the systems 200, 300 or 400, including but not limited to smartphones, computers, smart wearable devices, and the like.
  • FIG. 15 is a structural diagram of a binary system digital coin operating system 600, which is applied to the binary system digital currency 100 or the binary system digital currency circulation method.
  • the system includes:
  • the issuing library 61 is configured for signing and storing the digital coins after the factory, and signing the digital currency positive message and distributing it to the bank library, and simultaneously signing the digital coin back message and distributing it to the trusted platform;
  • the bank library 62 is an intermediate transfer library for the digital coin positive message to be distributed from the issuing library to the bank for signing and storing the digital currency positive message distributed by the issuing library;
  • the trusted platform 63 is configured to sign and store the back message of the digital coin distributed by the distribution library, record the transfer information of the flow of the digital coin back, and perform the signing and verification management on the signing information;
  • a registration center 64 for registering and managing data of the digital currency uploaded by the trusted platform in the coinage, circulation and/or circulation links;
  • the certification center 65 is configured to verify data of the digital currency uploaded by the trusted platform in the circulation and/or circulation link, and manage the ownership authentication transaction of the digital currency uploaded by the trusted platform in the circulation and/or circulation link;
  • the data analysis center 66 is configured to supervise, monitor, predict, and/or alert data uploaded by the registration center and/or the certification center.
  • the signing information is verified and verified, including:
  • Signing the sign-off information with a trusted platform digital certificate verifying the digital signature of the back-end message of the digital currency by the issuing system, the banking system and/or the user client;
  • the monitoring, monitoring, forecasting, and/or early warning of data uploaded by the registration center and/or the certification center includes, but is not limited to, analysis based on traces of digital currency records recorded by the registration center and/or the certification center, Currency circulation assessment controls and/or large data extraction on demand for digital currency circulation and different denomination usage rates.
  • coinage system 67 is further included;
  • the coinage system is configured to manufacture a digital coin conforming to a binary system, digitally sign the digital coin content using a coinage system digital certificate, and write the signature result into a corresponding field in the digital currency message, and issue and distribute
  • the trusted channel established by the system leaves the digital currency and sends it to the distribution system of the distribution system.
  • the coinage system further includes a style setting device, a batch setting device, and a coin number generator device;
  • the genre setting device configured to set one or more of a message header, an issuer, a digital currency denomination, a digital currency unit, and/or a year number including, but not limited to, a digital coin;
  • the batch setting device is configured to set one or more of a batch number and/or a production quantity parameter including, but not limited to, a digital coin;
  • the coin number generator is configured to generate a unique combination currency number including, but not limited to, one or more of a crown word and a serial number, wherein the crown word includes but is not limited to a crown, a batch number Composition information; the currency number is distributed to the front of the digital currency and the back of the digital currency when the digital currency is issued.
  • the digital coin generating system of the invention fully conforms to the banking structure of the binary system, namely: "one currency, two banks, three centers".
  • the coinage process is fully in line with the current banknote process system.
  • the operating system of a binary system digital coin in the embodiment of the present invention fully conforms to the banking structure of the binary system, and completely conforms to all links of coinage, issuance, issuance, bank access, consumption, transfer, and returning to the cage.
  • the current banknote process system includes (digital currency, distribution library, bank library, registration center, certification center, data analysis center), namely: “one currency, two libraries, three centers”.
  • FIG. 16 is a flow chart showing a method for operating a binary system digital coin, which is applied to a binary system digital currency 100 or a binary system digital currency circulation system.
  • the method includes steps S610 to S660:
  • step S610 the issuing bank signs and stores the digital currency after the shipment, and signs the digital currency positive message and distributes it to the bank library, and simultaneously signs the digital coin back message and distributes it to the trusted platform;
  • step S620 the bank library signs and stores the digital currency positive message distributed by the distribution library, and is an intermediate transfer library that distributes the digital currency positive message from the issuing library to the bank;
  • step S630 the trusted platform signs and stores the digital coin back-end message distributed by the distribution library, records the transfer information of the digital coin back-end message transfer, and performs the signing and verification management on the sign-off information;
  • step S640 the registration center registers and manages data of the digital currency uploaded by the trusted platform in the coinage, circulation and/or circulation links;
  • step S650 the certification center verifies the data of the digital currency uploaded by the trusted platform in the circulation and/or circulation link, and manages the ownership authentication transaction of the digital currency uploaded by the trusted platform in the circulation and/or circulation link;
  • step S660 the data analysis center supervises, monitors, predicts, and/or alerts data uploaded by the registration center and/or the certification center.
  • the coinage system manufactures a digital currency that conforms to the binary system, digitally signs the digital currency content using the coinage system digital certificate, and writes the signature result into the corresponding field in the digital currency message, and establishes trust through the distribution system.
  • Channel the step of shipping the digital currency and sending it to the distribution system of the distribution system.
  • the coinage system manufactures a digital coin conforming to the binary system, digitally signs the digital coin content using the coinage system digital certificate, and writes the signature result
  • the corresponding field in the digital currency message through the trusted channel established with the issuance system, sends the digital currency from the coinage system to the issuance system to complete the digital coin delivery.
  • the issuing system receives the digital currency sent by the coinage system, and verifies the signature result using the public key certificate of the coinage system, and deposits the digital currency after the verification into the issuing system.
  • the bank and register with the registration center, set the number of digital coins issued and the bank objects to be distributed, the digital coins are discharged from the issuing system, and the designated bank objects are written into the digital currency message as the current holder.
  • Corresponding field digitally sign the content of the digital currency using the digital certificate of the distribution library, and write the signature result into the corresponding field in the digital currency message, save the digital currency to the bank library, and register with the registration center, the digital currency from the bank
  • the digital coin back message is distributed to the trusted platform through the trusted channel established with the trusted platform
  • the digital coin positive message is distributed to the designated bank through the trusted channel established with the designated banking system
  • the trusted platform receives the back message of the digital currency distributed by the issuing system, verifies the signature result by using the issuing system public key certificate, and deposits the back of the digital coin after the verification into the digital currency stub registration database.
  • the banking system receives the positive digital message sent by the issuing system, verifies the signature result by using the issuing system public key certificate, and stores the positive digital currency message after the verification.
  • the sender extracts the digital currency, and sends the first transaction message for signing the positive message of the digital currency to the trusted platform; the trusted platform receives and verifies the positive message of the digital currency sent by the sender.
  • the first acceptance result is returned to the sending end; after receiving the first acceptance result, the transmitting end sends the digital currency positive message in the signing to the receiving end; the receiving end is trusted.
  • the platform sends a second transaction message for signing the positive message of the digital currency; the trusted platform receives and verifies the second transaction message sent by the receiving end for the receipt of the positive message of the digital currency, and the update is based on the second transaction message.
  • the invention provides a binary system digital coin, wherein the digital coin comprises: a digital coin positive message, which is used for digitally signing a digital certificate of a sender's face to a coin-side content summary of a digital coin positive message in a circulation link.
  • the field is transmitted as a component of the digital coin positive message to the receiving end for display; and the digital coin back message is used for signing the positive message of the digital currency using the digital certificate of the trusted platform or the digital certificate of the registration center.
  • the information is forensic and signed, the digital coin on the back of the coin does not participate in the circulation, does not leave the technical solution of the trusted platform, realizes the "digitalization of banknotes", and can use the technology to issue new currencies.
  • the technical solution of the invention can effectively reduce various types of costs in the currency issuance: the cost of anti-counterfeiting: the anti-counterfeiting of banknotes requires a large amount of cost in the printing and banknote verification. Second, the cost of transportation: cash trucks, escorts, etc. Third, the cost of replacement: easy to be old, damaged, damaged. There are phenomena such as easiness and damage in the circulation of banknotes, and there are cases of damage or burning in the preservation process. Need Regularly reissue new coins to recycle old coins.
  • banknotes are easy to be stolen or robbed, and it is not safe to carry a large amount of banknotes and cash. Not convenient.

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Abstract

La présente invention concerne une monnaie numérique conforme à un système binaire (100), comprenant : un message frontal de monnaie numérique (11), utilisé en circulation pour envoyer à un destinataire, et afficher, le message frontal de monnaie numérique contenant un certificat numérique d'expéditeur utilisé pour signer numériquement le résumé de contenu de monnaie du message frontal de monnaie numérique; et un message côté inverse de monnaie numérique (12), utilisé pour utiliser un certificat numérique d'une plateforme de confiance ou un certificat numérique d'un centre d'enregistrement afin d'authentifier et de signer des informations du message frontal de monnaie numérique du terminal d'envoi au terminal de réception; le message côté inverse de monnaie numérique est pris comme étant un élément de remplacement de monnaie numérique et ne circule pas entre des terminaux d'utilisateur, et ne quitte pas la plateforme de confiance. La monnaie numérique réduit les différents coûts d'émission de monnaie, diminue l'imprécision dans des quantités de devise en circulation provoquées par un règlement et un "repos" de billets de banque classiques, améliore la situation défavorable dans laquelle des billets de banque classiques ne peuvent pas être suivis, tracés, et analysés statistiquement dans le processus de circulation, et améliore les effets techniques de conservation et de sécurité dans le transport par des supports.
PCT/CN2017/084697 2017-02-06 2017-05-17 Monnaie numérique conforme à un système binaire WO2018141143A1 (fr)

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CN107908932B (zh) * 2017-12-10 2020-10-13 吕文华 一种基于l算法的数字货币防伪及验证方法、系统和设备
CN110009349B (zh) * 2019-03-26 2020-05-29 阿里巴巴集团控股有限公司 区块链中生成和验证可链接环签名的方法及装置

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WO2000010068A2 (fr) * 1998-08-13 2000-02-24 Fuisz Richard C Procede et dispositif de generation, de virement et de rachat de monnaie electronique
CN103400267A (zh) * 2013-07-12 2013-11-20 珠海市金邦达保密卡有限公司 生成货币文件的系统和方法、安全设备、交易系统和方法
CN105096118A (zh) * 2015-08-21 2015-11-25 廖小谦 一种电子货币转付系统及方法

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