Digital currency chip card-based exchange method, digital currency chip card-based payment method and digital currency systems

Abstract

The invention discloses a digital currency chip card-based exchange method, a digital currency chip card-based payment method and digital currency systems, and aims at solving deficiencies in the prior art and obtaining other aims, effects and beneficial effects from implementation manners. The exchange method comprises the following steps of: receiving a change exchange request by terminal equipment; selecting a to-be-exchanged digital currency from a digital currency chip card by the terminal equipment according to the change exchange request, generating a first request and sending the first request to a commercial bank digital currency system; after the commercial bank digital currency system receives the first request, extracting change digital currencies by the commercial bank digital currency system according to the first request, generating a second request and sending the second request to a central bank digital currency system; executing an operation of a preset project by the central bank digital currency system according to the second request, and returning an operation success instruction to the commercial bank digital currency system; and sending the owner-changed change digital currencies to the terminal equipment by the commercial bank digital currency system, and writing the change digital currencies into the digital currency chip card by the terminal equipment.

Description

technical field [0001] The invention relates to the technical field of computer network and computer software, in particular to a digital currency chip card-based exchange and payment method and a digital currency system. 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...

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 this way, during the payment process, there may be a problem that the payment amount required for a single transaction does not always match the fixed face value

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