Method and system of paying digital currency

Abstract

The invention provides a method and a system of paying digital currency. The method and the system solve a variety of deficiencies in the prior art. The method of paying the digital currency of the invention comprises: receiving a payment amount and a receiving side identifier input by an external operation by a payment side terminal device; selecting the digital currency, of which the total amount is equal to the payment amount, in a payment side digital-currency purse by the payment side terminal device; sending the digital currency to a receiving side terminal device, which corresponds to the receiving side identifier, in a near field communication (NFC) manner by the payment side terminal device; sending the digital currency to a commercial bank digital-currency system by the receiving side terminal device through a network; sending the digital currency to a central bank digital-currency system by the commercial bank digital-currency system through the network; and changing owner information of the digital currency from a payment side to a receiving side by the central bank digital-currency system.

Description

technical field [0001] The invention relates to the technical field of computers and software thereof, in particular to a method and system for paying digital currency. 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 security of digital currency transactions. [0003] With the...

AI Technical Summary

Problems solved by technology

[0010] 2. Non-repeatable spending: digital currency can only be used once, and repeated spending can be easily checked;

[0011] 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;

[0012] 4. Unforgeability: Users cannot forge fake digital currency;

In the above process, there are at least the following disadvantages: (1) Offline payment cards are usually physical cards, which consume materials and are not environmentally friendly

(2) In the process of applying for a card and recharging, individual users and merchants must invest time and energy

(3) In the process of individual users recharging offline payment cards with paper currency, merchants need to put in effort to identify the authenticity of banknotes, and may still receive counterfeit currency due to mistakes made by financial personnel, resulting in economic losses

(4) If the prepaid fee is not fully consumed, the balance cannot be freely circulated in other fields, and the user needs to find a merchant to sell the card for a refund, which is very troublesome

(5) Individual users may have multiple offline payment cards such as bus cards and canteen meal cards at the same time, which is inconvenient to carry

[0017] The current offline payment technology in the personal-to-personal P2P (Peer to Peer) payment scenario has not been fully popularized, and the application fields are limited due to various limitations of technical details

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