Method and system for digital currency payment using digital currency chip card

Abstract

The invention provides a method and a system for performing digital currency payment by using a digital currency chip card, and aims to overcome various deficiencies in the prior art. Other purposes, effects and beneficial effects of the method and the system can be obtained from embodiments. The method comprises the steps that a mobile terminal receives payment amount information input by external operation and then sends the payment amount information to the digital currency chip card; the digital currency chip card selects a digital currency with an amount specified by the payment amount information and then sends the digital currency to the mobile terminal; the mobile terminal receives the digital currency, generates a first request and sends the first request to a commercial bank digital currency system; the commercial bank digital currency system receives the first request, generates a second request and sends the second request to a central bank digital currency system; and the central bank digital currency system executes operation of a preset item according to the second request and returns an indication of operation success to the commercial bank digital currency system.

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 paying digital currency by using a 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 security of di...

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;

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