Digital currency coin double offline transaction method and system

Abstract

The invention discloses a digital currency coin double offline transaction method and system. The method comprises the following steps: a central bank digital currency system issues digital currency coins to a money issuing user; double offline transactions are carried out between the money sending user and the collection terminal through digital currency coins; a central bank digital currency system is used to confirm the transaction. The beneficial effects of the invention are that the digital currency equipped with a private key is designed, and a digital currency coin double-offline transaction method can be realized; according to the invention, the identity information of the money sending party is protected and is not exposed; according to the invention, the transaction adopts a digital currency coin form, so that the operation process of interaction between a person and a transaction terminal in the existing digital currency transaction is avoided, and the transaction speed is extremely high; the transaction process in the invention not only supports double offline transactions, but also supports a transaction that a money sending party is online and a payee is offline, a transaction that the money sending party is offline and the payee is online, and a transaction that the money sending party is online and the payee is online.

Description

technical field [0001] The invention relates to the field of digital currency, in particular to a digital currency coin double offline transaction method and system. Background technique [0002] The core elements of the digital currency D-RMB system of the People's Bank of China are one currency, two types of libraries and three centers. A currency, namely "D-RMB" (DC / EP), referred to as D currency, specifically refers to a string of encrypted digital strings signed by the central bank representing a specific amount. Two types of libraries: D-RMB issuance library and bank library (central bank digital currency database, commercial bank digital currency database). In the issuance library, the digital currency is represented as the digital currency fund of the central bank; in the bank library, the digital currency is represented as the inventory digital cash of commercial banks. Three centers: one is the registration center (records the whole process of currency generation...

AI Technical Summary

Problems solved by technology

[0004] Patent CN201911053809 proposes an anonymous transaction method and system based on digital currency, but there are some problems in this method and system: only online transactions can be performed, and the user's temporary identity can only be followed by the subsequent transaction process when it is approved by its own server , when the user cannot communicate with its own server, the payee of this method cannot use the user's temporary identity to verify its digital signature on the transaction (in the mathematical signature based on digital certificates, because the user needs to hide the real identity, it cannot Provide a digital certificate containing its real identity, and cannot prove the association between its temporary identity and its digital certificate, so it cannot use its digital certificate to verify its digital signature on the transaction; in the mathematical signature based on ID cryptography, because the user needs hides its real identity, so it cannot provide its real identity, and cannot prove the association between its temporary identity and real identity, so it cannot use its real identity to verify its digital signature on the transaction), so the payee does not receive the sent It is impossible to recognize the legitimacy of this transaction and complete the entire transaction process without any identity certificate of the payer

[0006] 1. Most of the existing digital currency transaction methods based on digital certificates or user IDs expose user identities and transaction details;

[0007] 2. The existing digital currency anonymous transaction methods based on digital certificates or user IDs can guarantee the anonymous identity of users but cannot conduct anonymous transactions in which both the sender and the payee are offline (that is, double offline);

[0008] 3. Existing digital currency transactions require code scanning or NFC communication. There are many operations that interact with people, and transactions are slow. In some scenarios (such as public transportation queuing payment scenarios, etc.), there are inconveniences

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