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Electronic currency circulating method

A technology of electronic currency and national secret algorithm, applied in the field of currency, can solve problems such as easy to counterfeit, not environmentally friendly, consume forest resources, etc., and achieve the real effect of transactions

Inactive Publication Date: 2014-04-16
SHENZHEN YIHUA COMP +2
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Banknotes are vulnerable to damage and counterfeiting, and large amounts of banknotes are inconvenient to carry. The circulation of banknotes requires high-quality paper, consumes forest resources, and is not environmentally friendly.

Method used

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  • Electronic currency circulating method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0030] Embodiment 1: withdrawing cash from a mobile phone through an ATM includes the following steps:

[0031] 1) The NFC module of the mobile phone and the NFC module of the ATM realize data docking;

[0032] 2) The mobile phone sends the identity information, withdrawal amount of 1,000 yuan and confirmation withdrawal information to the ATM machine;

[0033] 3) After the ATM machine receives the withdrawal information, it generates data including the withdrawal amount of 1,000 yuan after verification by the industrial computer, and a data packet encrypted by the national secret algorithm, and sends it to the withdrawal mobile phone;

[0034] 4) After the mobile phone receives the data packet, it is verified by the national secret algorithm, and after the verification is passed, the confirmation message is returned to the ATM machine, and the data of the withdrawal amount of 1,000 yuan in the data packet is stored in the SIM card of the machine at the same time;

[0035] 5)...

Embodiment 2

[0036] Embodiment 2: depositing money through an ATM by a mobile phone includes the following steps:

[0037] 1) The NFC module of the mobile phone and the NFC module of the ATM realize data docking;

[0038] 2) The mobile phone sends the identity information, deposit amount and information confirming the deposit of 1,000 yuan to the ATM machine;

[0039] 3) After the ATM machine receives the deposit information, it is verified by the industrial computer and sends a deposit permission instruction to the mobile phone;

[0040] 4) After the mobile phone receives the deposit instruction, it deducts the deposit amount of 1,000 yuan from the SIM data, generates a data packet containing the deposit amount of 1,000 yuan, encrypted by the national secret algorithm, and sends it to the ATM machine;

[0041] 5) The industrial computer of the ATM verifies the data packet sent by the mobile phone through the national secret algorithm, and after the verification is passed, the correspondi...

Embodiment 3

[0042] Embodiment 3: receiving and paying by mobile phone includes the following steps:

[0043] 1) The NFC module of the payment mobile phone realizes data connection with the NFC module of the payment mobile phone;

[0044] 2) Set the payment amount of 100 land on the payment mobile phone, and after confirming the payment, deduct the deposit amount of 100 yuan from the SIM data, generate a data packet containing the deposit amount of 100 land, encrypted by the national secret algorithm, and send it to the receiving mobile phone;

[0045] 3) The receiving mobile phone verifies the data packet sent by the paying mobile phone through the national secret algorithm. After the verification is passed, it returns a confirmation message to the paying mobile phone, and at the same time stores the payment amount of 100 yuan in the data packet to the local SIM card.

[0046] The circulation method of electronic money in the above embodiments of the present invention can reduce or replac...

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PUM

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Abstract

The invention discloses an electronic currency circulating method. A mobile phone is used as a means of transaction, and an SIM card of the mobile phone is used as a carrier of electronic currency. Encrypted data packets containing currency amount data are transmitted through the NFC so as to perform the collection and payment transaction or the deposit and withdrawal transaction. The electronic currency circulating method can reduce or replace use of paper money and be more friendly to the environment. Based on encryption and verification of mobile software, it is ensured that the transaction is true and reliable. By means of the transaction manner, change is not needed, paper money detecting is not needed, and a user does not need to worry about the safety problem in carrying a large amount of paper money.

Description

[technical field] [0001] The present invention relates to currency, in particular to a circulation method of electronic currency. [Background technique] [0002] In the current currency circulation, paper money is still the main currency. Banknotes are vulnerable to damage and counterfeiting, and large amounts of banknotes are inconvenient to carry. The circulation of banknotes requires high-quality paper, consumes forest resources, and is not environmentally friendly. [Content of the invention] [0003] The technical problem to be solved by the present invention is to provide a safe and reliable electronic currency circulation method that can replace the use of banknotes. [0004] In order to solve the above-mentioned technical problems, the technical solution adopted by the present invention is, a circulation method of electronic money, using the mobile phone as the transaction tool, using the SIM card of the mobile phone as the carrier of the electronic money, and tran...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G07F19/00
Inventor 石鸥赖伟
Owner SHENZHEN YIHUA COMP
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