Digital currency exchange method, digital currency payment method and digital currency systems

Abstract

The invention provides a digital currency exchange method, a digital currency payment method and digital currency systems, and aims at enhancing the operation experience of digital currency users and carrying out online payment flexibly and conveniently. The digital currency exchange method comprises the following steps of: selecting a to-be-exchanged digital currency with an amount appointed by a change exchange instruction by a user terminal according to the change exchange instruction, and sending a first request to a commercial bank digital currency system; exchanging the to-be-exchanged digital currency into a change digital currency by the commercial bank digital currency system according to the first request, and sending a 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 change digital currency to the user terminal by the commercial bank digital currency. Moreover, the invention discloses a method for carrying out payment by using the exchanged digital currency.

Description

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

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;

However, the use of digital currency at this stage usually uses bank cards (magnetic cards, smart cards) as the media, which greatly limits the widespread use and circulation of digital currency

However, when using user terminals to conduct digital currency transactions, such as: using mobile phones and other mobile terminals to perform digital currency online payment operations, etc., if there is no digital currency that just matches the transaction amount in the terminal device, such as: user 1 and user 2 When the transaction amount is 80 yuan, and the digital currency amount of user 1 is 100 yuan, then the payment cannot be made directly

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