Method and system for digital currency payment based on visible digital currency chip card

Abstract

The invention provides a digital currency payment method and system based on a visible digital currency chip card, which is suitable for offline payment, expands the payment scene, solves the payment problem of both transaction parties when there is no network, and avoids the risk of illegal transactions. The method for digital currency payment based on the visible digital currency chip card of the present invention includes: the payment visible digital currency chip card sends a payment request to the collection terminal device without establishing a network connection with the digital currency system of the commercial bank; After receiving the request, the terminal device initiates a network connection to the digital currency system of the commercial bank, and sends the payment request to the digital currency system of the commercial bank when the network connection is successful; the digital currency system of the commercial bank sends a payment confirmation request to the digital currency system of the central bank. The confirmation request is used to change the owner of the digital currency to be paid; the central bank digital currency system performs preset operations according to the payment confirmation request, and then notifies the payment terminal device of the operation result.

Description

technical field [0001] The invention relates to the technical fields of computer network and computer software, in particular to a method and system for digital currency payment based on a visible digital currency chip card. Background technique [0002] Digital currency is a currency that converts cash values ​​into a series of electronically encrypted serial numbers. The security of the currency itself depends on cryptographic algorithms for protection. In terms of cryptographic algorithms, the security of digital currency systems involves symmetric ciphers, asymmetric ciphers, message digest algorithms, and identity-based cryptographic systems. In terms of system implementation, the overall security of cryptographic systems, the selection of cryptographic algorithms, and cryptographic algorithms must be deeply considered. The implementation of algorithms, the design of interactive protocols, the compatibility of international and domestic standards, etc., ensure the secur...

AI Technical Summary

Problems solved by technology

[0004] 2. Non-repeatable spending: digital currency can only be used once, and repeated spending can be easily checked;

[0005] 3. Controllable anonymity: Banks and merchants cannot track the use of digital currency even if they collude with each other. It is required that the system cannot link the purchase behavior of users of electronic cash together, thereby concealing the purchase history of digital currency users. However, the issuer of digital currency Use of digital currency can be tracked;

[0006] 4. Unforgeability: Users cannot forge fake digital currency;

[0010] As an important payment tool in the electronic payment system, payment cards are gradually enriching and perfecting their functions. For example, some banking and financial systems have launched visual bank cards, and users can directly inquire through the LCD screen on the visual bank card. The balance on the card also has a security authentication (dynamic token) function, so that the bank can use the visual bank card to authenticate the identity of the cardholder, but at present this kind of visual bank card still has certain defects, for example, it cannot Functions of other payment terminal devices to pay digital currency

[0011] Traditional electronic payment is based on network remote payment or online credit card payment, which does not fit well with the user's habit of consuming currency

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