Exchange and payment method based on digital currency chip card and digital currency system

Abstract

The invention proposes an exchange and payment method based on a digital currency chip card and a digital currency system to solve the deficiencies in the prior art. Other purposes, effects and beneficial effects of the present invention can be obtained from the embodiments. The exchange method includes: the terminal device receives a change exchange request; the terminal device selects the digital currency to be exchanged from the digital currency chip card according to the change exchange request, generates the first request and then sends it to the digital currency system of the commercial bank; the digital currency system of the commercial bank receives the digital currency After receiving the first request, withdraw the change digital currency according to the first request, generate a second request and send it to the central bank digital currency system; the central bank digital currency system executes the operation of the preset item according to the second request and returns an indication of successful operation To the commercial bank digital currency system; the commercial bank digital currency system sends the change digital currency after the owner change to the terminal device, and the terminal device writes it into the digital currency chip card.

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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