Digital currency double-offline payment method and payment system

Abstract

The invention provides a digital currency double offline payment method and payment system. The digital currency double-offline payment method comprises the following steps of establishing an allianceblock chain between a commercial bank and / or a third-party payment institution; the digital currency offline transaction user applying for digital currency load from an equipment end of the commercial bank through the equipment end; when a double offline transaction that both parties of the transaction are offline occurs, the security domains of the equipment ends of both parties of the collection and payment performing the offline transaction through a handshake protocol, and signature authentication being performed on a transaction result, and when one party of the two transaction parties touches the network, initiating online settlement to the equipment end of the commercial bank / third-party payment institution. According to the method, safety of digital currency double offline paymentis effectively ensured.

Description

technical field [0001] The invention relates to the technical field of digital currency payment of the Central Bank of China, in particular to a digital currency dual offline payment method and payment system. Background technique [0002] With the rapid advancement of the central bank's digital currency DC / EP, the digitization of the RMB has arrived. Digital currency will be issued and managed by the G2B2C two-tier operation system, and commercial banks in the second layer will be able to flexibly use different technologies to connect with users' digital currency wallets to support the normal circulation of digital currency in the market. Due to the digital nature, DC / EP will be difficult to circulate in any environment like paper money. In order to support conventional market circulation, high-frequency commercial transactions, and general small-value transactions, DC / EP needs to have offline transaction capabilities, so that it can be effectively implemented in various n...

AI Technical Summary

Problems solved by technology

[0006] 2) Non-repeatable spending: digital currency can only be used once, and repeated spending can be easily checked out;

[0007] 3) Controllable anonymity: It is impossible for banks and merchants to track the use of digital currency in collusion with each other. It is required that the system cannot link the purchase behavior of users of electronic cash together, thereby hiding the purchase history of digital currency users. However, the issuance of digital currency To track the use of digital currency;

[0008] 4) Unforgeability: users cannot forge fake digital currency;

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