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Method and system for performing offline payment by using digital currency chip card

A digital currency and digital technology, applied in the payment system structure, data processing applications, instruments, etc., can solve the problems of payment method limitations and achieve the effect of improving the payment experience

Active Publication Date: 2017-10-03
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

[0019] In view of this, the present invention proposes a method and system for offline payment using a digital currency chip card to solve the problem of relatively limited payment methods in the prior art

Method used

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  • Method and system for performing offline payment by using digital currency chip card
  • Method and system for performing offline payment by using digital currency chip card
  • Method and system for performing offline payment by using digital currency chip card

Examples

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Embodiment 1

[0324] Since both parties to the transaction are temporarily unable to connect to the Internet, in order to facilitate the transaction smoothly, the merchant can select the offline payment method on the acceptance terminal device (hereinafter referred to as the POS machine), and then enter the amount of 200 yuan to be collected.

[0325] First, the mobile terminal (such as a mobile phone) of the paying user establishes a short-distance wireless communication connection with the POS machine of the merchant through NFC, infrared or Bluetooth, and selects the transaction amount in the digital currency chip card (hereinafter referred to as D-RMB chip card) of the paying user. The digital currency of 200 yuan (hereinafter referred to as D 币 ), and send the transaction information to the POS machine; wherein, the transaction information includes D-RMB chip card information and D 币100 、D 币100 ' and D 币50 , the short-range wireless connection method can be arbitrarily selected from ...

Embodiment 2

[0333] In the embodiment of the present invention, the method of using the digital currency chip card for offline payment is that the merchant's POS machine automatically transfers D 币 Transfer to merchant receiving account.

[0334] Specifically, the payment user's mobile terminal establishes a communication connection with the merchant's POS machine through a short-range wireless connection (NFC, infrared or Bluetooth), and selects a D with an amount of 200 yuan in the account. 币100 、D 币100 ', D 币50 Send to the POS machine; wait for the POS machine to receive D 币 Afterwards, for the received D 币 Conduct a legality check. In one embodiment of the present invention, the POS machine needs to check D 币 Whether the amount is equivalent. After the verification is passed, the face-to-face transaction ends, and the receipt is printed.

[0335] After the POS machine can access the network, it will send the transaction information, received D-RMB chip card information and D-RMB...

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Abstract

The invention provides a method and a system for performing offline payment by using a digital currency chip card. The method comprises the steps that an acceptance terminal device receives a transaction amount under the condition of not establishing a network connection with a commercial bank digital currency system; a user terminal device obtains the transaction amount from the acceptance terminal device in a short-distance wireless connection manner and sends transaction information to the acceptance terminal device; the acceptance terminal device sends the transaction information to the commercial bank digital currency system after establishing the network connection with the commercial bank digital currency system; the commercial bank digital currency system sends an owner change request to a central bank digital currency system after receiving the transaction information; and the central bank digital currency system changes an owner of a digital currency to a merchant code corresponding to the acceptance terminal device after receiving the owner change request. Through the method and the system, the payment experience of consumers in a consumption process can be effectively improved under the condition of ensuring payment security.

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 offline payment 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 digital curren...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/36G06Q20/34
CPCG06Q20/346G06Q20/3678
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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