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

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 ...

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

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