Method and system for paying digital currency between visible digital currency chip cards

A digital currency and chip card technology, applied in the field of computer network and computer software, can solve the problems of not being able to fit the user's habit of consuming currency well, not being able to realize inter-card payment and offline payment, and not being able to forge digital currency, etc. Avoid the risk of illegal transactions, facilitate inter-card payment, and facilitate financial statistics.

Active Publication Date: 2021-03-16
THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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 improving their functions. For example, some banking and financial systems have introduced visual bank cards for individual users. Users can use the LCD on the visual bank card to The display screen directly inquires the balance on the card, and 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 there are still some shortcomings in this bank card at present, for example, it cannot realize Functions such as inter-card payment and offline payment
[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

Method used

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  • Method and system for paying digital currency between visible digital currency chip cards
  • Method and system for paying digital currency between visible digital currency chip cards
  • Method and system for paying digital currency between visible digital currency chip cards

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Embodiment Construction

[0045] Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

[0046] In the embodiment of the present invention, the design scheme of digital currency based on cryptographic mathematics (hereinafter referred to as D-RMB) is described, and the main operation mode is that the central bank and commercial banks build the D-RMB system hierarchically. The central bank here is the issuer of the currency, such as the People's Bank of China. ...

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PUM

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Abstract

The invention provides a method and a system for performing digital currency payment between visible digital currency chip cards. The method and the system are suitable for offline payment; payment scenes are expanded; the payment problem of both transaction parties under the condition of no network is solved; the payment does not depend on a payment terminal device; and convenient inter-card payment can be realized. The method for performing the digital currency payment between the visible digital currency chip cards comprises the steps that a payer visible digital currency chip card sends a payment request to a payee visible digital currency chip card under the condition of not establishing a network connection with a commercial bank digital currency system; the payee visible digital currency chip card initiates the network connection to the commercial bank digital currency system and sends the payment request to the commercial bank digital currency system when the network connection succeeds; the commercial bank digital currency system requests to a central bank digital currency system for performing owner change on a to-be-paid digital currency; and the central bank digital currency system executes preset operation including operation of changing an owner of the to-be-paid digital currency.

Description

technical field [0001] The invention relates to the technical field of computer network and computer software, in particular to a method and system for paying digital currency between visible digital currency chip cards. 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 ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/34G06Q20/06G06Q20/38
CPCG06Q20/0655G06Q20/341G06Q20/382
Inventor 姚前李会锋温信祥李连三王栋兵刘浩赵欣唐晓雪刘文舒
Owner THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST
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