A method and system for exchanging shared-ownership digital currency

Abstract

This invention proposes a method and system for exchanging shared-ownership digital currency, which can address scenarios involving changes in existing digital currency ownership and the exchange of physical currency for shared-ownership digital currency. By establishing shared-ownership digital currency accounts within commercial banks and linking personal account information, the invention enables commercial banks to act as agents and exchange digital currency for shared-ownership digital currency, or cash for shared-ownership digital currency, with the central bank's digital currency system. This clarifies the ownership of shared-ownership digital currency and safeguards the interests of all rights holders during shared-ownership digital currency transactions.

Description

Technical Field

[0001] The present invention relates to the field of digital currency transaction technology, and in particular to a method and system for exchanging shared-ownership digital currency. Background Art

[0002] Currently, digital currencies themselves do not directly display information about their owners. Instead, this information is encoded into the digital currency, allowing each digital currency to be directly and unambiguously attributed to a specific owner. However, the current encoding method uses a one-to-one-code approach, meaning that the ownership encoding of digital currencies often assigns ownership to a specific owner. In social settings like families, ownership of the same digital currency can be shared by multiple people, and the current ownership encoding method of digital currencies cannot fully reflect the ownership of the digital currency by all owners. Summary of the Invention

[0003] Purpose of the invention: In order to fill the gaps in the prior art, the present invention proposes a method and system for exchanging shared-ownership digital currency, which can exchange digital currency / cash currency into shared-ownership digital currency.

[0004] Technical Solution: To achieve the above objectives, the present invention proposes a method for exchanging shared-ownership digital currency. This method is implemented in the scenario of changing the ownership of existing digital currency and includes the following steps:

[0005] (1) Before the exchange, all rights holders of digital currency shall establish a shared digital currency account in the same commercial bank digital currency system and link their personal account information;

[0006] (2) When exchanging, the original holder shall send an exchange request and the shared-ownership digital currency account information to the commercial bank digital currency system, and at the same time deposit the digital currency held by the original holder into the shared-ownership digital currency account;

[0007] (3) When exchanging, the original holder shall send an exchange request and the shared-ownership digital currency account information to the commercial bank digital currency system, and at the same time send the digital currency held by the original holder to the commercial bank digital currency system;

[0008] (4) The central bank digital currency system marks the received digital currency as pending destruction, and then generates a shared-ownership digital currency of the same value for all rights holders based on the rights holder information carried in the exchange request. The shared-ownership digital currency includes an ownership code and holder information, and the ownership code corresponds to the identity information of all rights holders;

[0009] (5) The central bank digital currency system sends the generated shared-ownership digital currency to the shared-ownership digital currency account of the commercial bank digital currency system. The commercial bank digital currency system verifies the shared-ownership digital currency. After successful verification, the commercial bank digital currency system distributes the shared-ownership digital currency to the personal accounts of different rights holders according to the personal account information associated with the shared-ownership digital currency account;

[0010] (6) The right holder stores the received shared property digital currency and responds with a confirmation message;

[0011] (7) The commercial bank digital currency system will feed back the confirmation message to the central bank digital currency system, and the central bank digital currency system will destroy the marked digital currency after receiving the confirmation message.

[0012] Furthermore, the digital currency also includes a currency value code, a bank code and an anti-counterfeiting code. The anti-counterfeiting code is obtained by encrypting the currency value, the commercial bank to which it belongs and the identity information of the right holder using the anti-counterfeiting code key held by the central bank's digital currency system.

[0013] Furthermore, in step (4), before the digital currency exchange is carried out, the central bank's digital currency system decrypts the anti-counterfeiting code with its own anti-counterfeiting code key to verify whether the decrypted currency value information, bank information and ownership information are consistent with the currency value code, bank code and ownership code of the digital currency; if the verification is passed, the subsequent exchange steps are carried out, otherwise the exchange is terminated.

[0014] Furthermore, the digital currency and shared-ownership digital currency are transmitted using quantum communication encryption channels during the transaction process.

[0015] In response to the above method, the present invention proposes a shared-ownership digital currency exchange system, including: a user client, a commercial bank digital currency system, and a central bank digital currency system; the user client, the commercial bank digital currency system, and the central bank digital currency system adopt the above exchange method to exchange digital currencies.

[0016] In addition, the present invention also proposes another method for exchanging shared-ownership digital currency. This method is implemented in a scenario where physical currency is exchanged for shared-ownership digital currency, and includes the following steps:

[0017] (1) Before the exchange, all rights holders of digital currency shall establish a shared digital currency account in the same commercial bank system and link their personal account information;

[0018] (2) When exchanging, the initiator sends an exchange request and shared digital currency account information to the commercial bank system;

[0019] (3) The commercial bank system forwards the exchange request and the shared-ownership digital currency account information to the central bank digital currency system and freezes the corresponding amount of funds in the initiator’s physical currency account at the bank;

[0020] (4) The central bank digital currency system generates a shared-ownership digital currency of the same value for all rights holders based on the rights holder information carried in the exchange request. The shared-ownership digital currency includes an ownership code and holder information. The ownership code corresponds to the identity information of all rights holders.

[0021] (5) The central bank digital currency system sends the generated shared-ownership digital currency to the shared-ownership digital currency account of the commercial bank digital currency system. The commercial bank digital currency system verifies the shared-ownership digital currency. After successful verification, the commercial bank digital currency system distributes the shared-ownership digital currency to the personal accounts of different rights holders according to the personal account information associated with the shared-ownership digital currency account;

[0022] (6) The right holder stores the received shared property digital currency and responds with a confirmation message;

[0023] (7) After receiving the confirmation message, the commercial bank system will deduct the frozen funds from the initiator’s physical currency account.

[0024] Furthermore, the digital currency also includes a currency value code, a bank code and an anti-counterfeiting code. The anti-counterfeiting code is obtained by encrypting the currency value, the commercial bank to which it belongs and the identity information of the right holder using the anti-counterfeiting code key held by the central bank's digital currency system.

[0025] Furthermore, the shared-ownership digital currency is transmitted using a quantum communication encryption channel during the transaction process.

[0026] Correspondingly, in response to the another method of exchanging shared-ownership digital currency, the present invention proposes a system for exchanging shared-ownership digital currency, including: a user client, a commercial bank system, and a central bank digital currency system; the user client, the commercial bank system, and the central bank digital currency system adopt the another method of exchanging shared-ownership digital currency to exchange digital currency.

[0027] Beneficial effects: Compared with the prior art, the present invention has the following advantages:

[0028] The present invention constructs a new method for exchanging shared-ownership digital currencies, namely, by encoding the identity information of all rights holders into the shared-ownership digital currency, thereby realizing the technical requirement that the digital currency is jointly owned by multiple rights holders. At the same time, the identity information of the currency holder is added to the digital currency to distinguish the digital currencies held by different currency holders.

[0029] In addition, as a preferred embodiment, the present application also proposes to use quantum communication methods to encrypt the communications at each stage in the present application, so as to improve the transmission security of digital currency. BRIEF DESCRIPTION OF THE DRAWINGS

[0030] Figure 1 This is a flow chart of the redemption method involved in Example 1;

[0031] Figure 2 This is a diagram of the payment system structure involved in Example 1;

[0032] Figure 3 This is a diagram of the payment system structure involved in Example 2. DETAILED DESCRIPTION

[0033] The present invention will be further described below with reference to the accompanying drawings and specific embodiments. However, it should be understood that the present invention may be implemented in various forms, and the following exemplary and non-limiting embodiments shown in the drawings and described below are not intended to limit the present invention to the specific embodiments described.

[0034] It should be understood that, where technically feasible, the technical features listed above for different embodiments may be combined with each other to form additional embodiments within the scope of the present invention. In addition, the specific examples and embodiments described in the present invention are non-limiting, and the structures, steps, and sequences described above may be modified accordingly without departing from the scope of protection of the present invention.

[0035] The shared-ownership digital currency proposed in the following embodiments mainly includes a currency value code, an anti-counterfeiting code, and an ownership code, wherein the ownership code contains the information of all rights holders, that is, all the owners of the shared-ownership digital currency can be parsed from the ownership code; the currency value code is used to display the amount of the digital currency, and the currency value code is generally in plain text, which can be easily recognized by the digital currency wallet; the anti-counterfeiting code is a string of encrypted information, and the anti-counterfeiting code can be decrypted to obtain information such as the currency value, the commercial bank to which it belongs, and the rights holder to whom it belongs. The decryption key of the anti-counterfeiting code is only stored in the central bank's digital currency system, that is, only the central bank's digital currency system can identify the authenticity of the anti-counterfeiting code of the shared-ownership digital currency; the entire digital currency can be represented as a binary digital string; a holder code is also added to the shared-ownership digital currency, and the holder code maps the holder information. The holder is different from the owner of the digital currency, and the holder is one of the owners of the shared-ownership digital currency; only by collecting the same shared-ownership digital currency character string held by all owners can the shared-ownership digital currency be fully operated. It should be noted that in some cases, the holder of a shared-ownership digital currency may not be the owner, but may be a stakeholder of the owner. For example, when the owner loses the ability to take care of himself, a close relative can be designated as the holder of the digital currency.

[0036] This embodiment proposes a method for exchanging shared-ownership digital currency. When multiple users require shared-ownership digital currency, all rights holders must apply for a shared-ownership digital currency account at the same commercial bank. The commercial bank's digital currency system then associates the shared-ownership digital currency account with the identities of all rights holders and simultaneously sends the private digital currency account information of all rights holders to the central bank's digital currency system for recordation. Once the shared-ownership digital currency account is created, rights holders can bind it to their respective digital currency wallets.

[0037] The digital currency wallet involved in this application can store and manage the user's digital currency, and can manage the user's digital currency accounts. For example, if a user opens multiple digital currency accounts in different commercial banks, they can all be bound to the user's digital currency wallet. When performing operations such as payment, the user only needs to select a digital currency account to operate the digital currency in the account.

[0038] The technical solution proposed by the present invention is further described below through specific embodiments.

[0039] Example 1:

[0040] This embodiment proposes a method for exchanging shared-ownership digital currency, the process of which is as follows: Figure 1 The specific steps are as follows:

[0041] When a user needs to transfer a certain amount of digital currency into a shared-ownership digital currency account, the user first sends the corresponding amount of digital currency and shared-ownership digital currency account information in his or her digital wallet to the commercial bank digital currency system corresponding to the digital currency. After receiving the request information, the commercial bank digital currency system sends the user's digital currency and shared-ownership digital currency account information to the central bank digital currency system.

[0042] After receiving the user's request information, the central bank's digital currency system first verifies the user's digital currency, mainly by decrypting the digital currency's anti-counterfeiting code and verifying whether the currency value information, bank information, and ownership information in the digital currency's anti-counterfeiting code are consistent with the currency value code, bank code, and ownership code of the digital currency. After confirmation, the central bank's digital currency system marks the received digital currency as pending destruction. At the same time, the central bank's digital currency system produces the corresponding shared-ownership digital currency based on the user's exchange request information. The ownership code of the shared-ownership digital currency can parse out the ownership information of multiple owners, and can unambiguously determine that the digital currency belongs to the multiple owners.

[0043] The central bank's digital currency system generates shared-ownership digital currencies with the same value for each owner based on the ownership information of the co-owners in the exchange information. The currency value code, bank code, and ownership code of these shared-ownership digital currencies are the same, and they only differ in the coin holder code. The ownership code is an encrypted code of the identity information of all rights holders. This can clearly indicate that the digital currency is shared property and the holder of the digital currency.

[0044] After the central bank's digital currency system generates the shared-ownership digital currency, it will send the shared-ownership digital currency to the digital currency system of the commercial bank that opened the corresponding shared-ownership digital currency account. After receiving the generated shared-ownership digital currency, the commercial bank's digital currency system will verify the digital currency's value and other plain text information. After confirming that it is correct, it will send the generated shared-ownership digital currency to the digital currency wallet of the corresponding co-owner.

[0045] After receiving the shared-ownership digital currency, the digital currency wallet of the co-owner deposits it into the corresponding shared-ownership digital currency account, and then feeds back the exchange success information to the digital currency system of the corresponding shared-ownership digital currency account opening bank. The digital currency system of the shared-ownership digital currency account bank performs accounting operations and sends feedback information to the central bank's digital currency system at the same time. After receiving it, the central bank's digital currency system destroys the digital currency originally marked as to be destroyed, and then sends feedback information to the corresponding commercial bank's digital currency system, and the corresponding commercial bank's digital currency system performs accounting operations.

[0046] As a preferred implementation method, in this implementation, the entire shared-ownership digital currency is transmitted using quantum communication encryption during the transmission process.

[0047] This embodiment also proposes a common property digital currency exchange system, such as Figure 2 As shown in the figure, the system primarily comprises a commercial bank digital currency system, a central bank digital currency system, and user terminals equipped with digital currency wallets. As shown in the figure, user A, the original holder of the digital currency, now needs to share ownership of their digital currency with user B. User A can then use the central bank digital currency system to exchange the digital currency in their digital currency wallet for digital currency shared by both owners.

[0048] Among them, A's user terminal is responsible for sending the digital currency that needs to be exchanged, the shared digital currency account information and the exchange request in the local digital currency wallet to the commercial bank digital currency system corresponding to the digital currency.

[0049] The commercial bank digital currency system is used to send user A's digital currency and shared-ownership digital currency account information to the central bank's digital currency system.

[0050] The central bank's digital currency system is used to verify user A's digital currency. At the same time, the central bank's digital currency system produces corresponding shared-ownership digital currency based on user A's exchange request information. The shared-ownership digital currency ownership code can parse out the ownership information of multiple rights holders, and can unambiguously determine that the digital currency belongs to the multiple rights holders. The coin holder code of the shared-ownership digital currency can parse out the coin holder information, thereby distinguishing the shared-ownership digital currency held by each right holder.

[0051] The central bank's digital currency system is also used to send the generated shared-ownership digital currency to the commercial bank's digital currency system where the shared-ownership digital currency account is located. After receiving the generated shared-ownership digital currency, the commercial bank's digital currency system verifies the digital currency's value and other plain text information. After confirmation, the generated shared-ownership digital currency is sent to the digital currency wallets of different rights holders.

[0052] Furthermore, in this embodiment, the commercial bank digital currency system on the user A side, the commercial bank digital currency system on the user B side, and the commercial bank digital currency system where the shared-ownership digital currency account is located can be the same system or different systems.

[0053] Example 2

[0054] This embodiment proposes another method for exchanging shared-ownership digital currency. The difference between this embodiment and the first embodiment is that in this embodiment, the exchange initiation account of user A is a physical currency account. User A needs to exchange a certain amount of digital currency and share ownership of the exchanged digital currency with user B. The specific steps for exchanging shared-ownership digital currency are as follows:

[0055] User A submits a request to exchange a certain amount of digital currency to the commercial bank system A where his physical currency account is located, and sends the property digital currency account information together. After receiving the request information, the commercial bank system verifies whether the user's exchange request is valid (for example, whether the physical currency in the user's account is sufficient to exchange the digital currency of the amount required by the user). Then, the commercial bank system sends user A's exchange request and shared property digital currency account information to the central bank's digital currency system. At the same time, user A's commercial bank system suspends the exchange funds in user A's physical currency account accordingly (to be written off after the exchange is completed).

[0056] After the central bank's digital currency system receives the user's exchange request, the central bank generates a shared-ownership digital currency with the same value for each owner based on the ownership information of the co-owners in the exchange information. The currency value code, bank code, and ownership code of these shared-ownership digital currencies are the same, and they only differ in the coin holder code. The ownership code is an encrypted code of the identity information of all rights holders. This can clearly indicate that the digital currency is a shared property, and it can also indicate the holder of the digital currency.

[0057] After the central bank's digital currency system generates the shared-ownership digital currency, it sends the shared-ownership digital currency to the commercial bank's digital currency system where the shared-ownership digital currency account is located. After receiving the generated shared-ownership digital currency, the commercial bank's digital currency system verifies the digital currency's value and other plain text information. After confirming that it is correct, it sends the generated shared-ownership digital currency to the digital currency wallet of the corresponding co-owner.

[0058] After the co-owner's digital currency wallet receives the shared-ownership digital currency, it deposits it into the corresponding shared-ownership digital currency account, and then feeds back the exchange success information to the digital currency system of the commercial bank where the shared-ownership digital currency account is located. The commercial bank digital currency system of the shared-ownership digital currency account bank performs accounting operations and sends feedback information to the central bank's digital currency system at the same time. After receiving the information, the central bank's digital currency system records the corresponding information and then sends feedback information to the commercial bank system of the corresponding user. The corresponding commercial bank system performs accounting operations.

[0059] Accordingly, this embodiment also proposes a system for exchanging shared-ownership digital currencies, as shown in the attached Figure 3 As shown, it mainly includes the user terminal (an online banking APP with the corresponding commercial bank system installed), the commercial bank system, the commercial bank digital currency system where the shared-ownership digital currency account is located, and the central bank digital currency system. The commercial bank digital currency system is the opening bank of the shared-ownership digital currency account, and the commercial bank system is the opening bank of the user's bank account. The user can exchange the funds in his or her bank account into digital currency with shared ownership by multiple owners through the central bank digital currency system.

[0060] Furthermore, in this embodiment, the commercial bank system on the user A side, the commercial bank system on the user B side, and the commercial bank digital currency system where the shared-ownership digital currency account is located can be the same system or different systems.

[0061] The above is a preferred embodiment of the present application. Without violating the technical concept of the present invention, modifications, replacements, and other operations made by those skilled in the art to the present invention without creative work should be deemed to fall within the scope of protection of the present invention.

[0062] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A method for exchanging shared-ownership digital currency, characterized in that: This method is implemented in the scenario of changing the ownership of existing digital currency, including the following steps: (1) Before the exchange, all rights holders of digital currency shall establish a shared digital currency account in the same commercial bank digital currency system and link their personal account information; (2) When exchanging, the original holder shall send an exchange request and the shared-ownership digital currency account information to the commercial bank digital currency system, and at the same time send the digital currency held by the original holder to the commercial bank digital currency system; (3) The commercial bank digital currency system forwards the exchange request and shared-ownership digital currency account information to the central bank digital currency system; (4) The central bank’s digital currency system marks the received digital currency as pending destruction, and then generates a shared-ownership digital currency of the same value for all rights holders based on the rights holder information carried in the exchange request. The shared-ownership digital currency includes an ownership code and holder information, and the ownership code corresponds to the identity information of all rights holders; The details are as follows: Receive digital currency and shared-ownership digital currency account information sent by users, and forward such information from the commercial bank digital currency system to the central bank digital currency system; The central bank's digital currency system verifies the user's digital currency by decrypting the digital currency's anti-counterfeiting code and verifying whether the currency value information, bank information, and ownership information are consistent with the currency value code, bank code, and ownership code of the digital currency; After verification, the received digital currency will be marked as pending destruction; The central bank's digital currency system produces shared-ownership digital currency based on the user's exchange request information. The ownership code of the shared-ownership digital currency contains the ownership information of multiple owners; Generate a shared-ownership digital currency with the same value for each property owner. The currency code, bank code, and ownership code of the shared-ownership digital currency are all the same, with only the holder code being different. The ownership code is the encrypted code of the identity information of all rights holders. Send the generated shared-ownership digital currency to the digital currency system of the commercial bank that opened the shared-ownership digital currency account; After verifying the digital currency information, the commercial bank's digital currency system sends the co-ownership digital currency to the digital currency wallet of each co-owner; (5) The central bank digital currency system sends the generated shared-ownership digital currency to the shared-ownership digital currency account of the commercial bank digital currency system. The commercial bank digital currency system verifies the shared-ownership digital currency. After successful verification, the commercial bank digital currency system distributes the shared-ownership digital currency to the personal accounts of different rights holders according to the personal account information associated with the shared-ownership digital currency account; (6) The right holder stores the received shared property digital currency and responds with a confirmation message; (7) The commercial bank digital currency system will feed back the confirmation message to the central bank digital currency system, and the central bank digital currency system will destroy the marked digital currency after receiving the confirmation message.

2. A method for exchanging shared-ownership digital currency according to claim 1, characterized in that: The digital currency also includes a currency value code, a bank code and an anti-counterfeiting code. The anti-counterfeiting code is obtained by the central bank's digital currency system using its own anti-counterfeiting code key to encrypt the currency value, the commercial bank to which it belongs and the identity information of the right holder.

3. A method for exchanging shared-ownership digital currency according to claim 1, characterized in that: In step (4), before the digital currency is exchanged, the central bank's digital currency system decrypts the anti-counterfeiting code with its own anti-counterfeiting code key, and verifies whether the decrypted currency value information, bank information and ownership information are consistent with the currency value code, bank code and ownership code of the digital currency; if the verification is passed, the subsequent exchange steps are carried out, otherwise the exchange is terminated.

4. A method for exchanging shared-ownership digital currency according to claim 1, characterized in that: The digital currency and shared-ownership digital currency are transmitted using quantum communication encryption channels during the transaction process.

5. A system for exchanging shared-ownership digital currencies, for implementing the exchange method according to any one of claims 1 to 4, characterized in that: include: User client, commercial bank digital currency system, central bank digital currency system; The user client, the commercial bank digital currency system, and the central bank digital currency system use the exchange method described in any one of claims 1 to 4 to exchange digital currencies.

6. A method for exchanging shared-ownership digital currency, characterized in that: This method is implemented in the scenario of exchanging physical currency for shared-ownership digital currency, and includes the following steps: (1) Before the exchange, all rights holders of digital currency shall establish a shared digital currency account in the same commercial bank system and link their personal account information; (2) When exchanging, the initiator sends an exchange request and shared digital currency account information to the commercial bank system; (3) The commercial bank system forwards the exchange request and the shared-ownership digital currency account information to the central bank digital currency system, and freezes the corresponding amount of funds in the initiator’s physical currency account at the bank; (4) The central bank digital currency system generates a shared-ownership digital currency of the same value for all rights holders based on the rights holder information carried in the exchange request. The shared-ownership digital currency includes an ownership code and holder information. The ownership code corresponds to the identity information of all rights holders. (5) The central bank digital currency system sends the generated shared-ownership digital currency to the shared-ownership digital currency account of the commercial bank digital currency system. The commercial bank digital currency system verifies the shared-ownership digital currency. After successful verification, the commercial bank digital currency system distributes the shared-ownership digital currency to the personal accounts of different rights holders according to the personal account information associated with the shared-ownership digital currency account; (6) The right holder stores the received shared property digital currency and responds with a confirmation message; (7) After receiving the confirmation message, the commercial bank system will deduct the frozen funds from the initiator’s physical currency account.

7. A method for exchanging shared-ownership digital currency according to claim 6, characterized in that: The digital currency also includes a currency value code, a bank code and an anti-counterfeiting code. The anti-counterfeiting code is obtained by the central bank's digital currency system using its own anti-counterfeiting code key to encrypt the currency value, the commercial bank to which it belongs and the identity information of the right holder.

8. A method for exchanging shared-ownership digital currency according to claim 6, characterized in that: The shared-ownership digital currency is transmitted using a quantum communication encryption channel during the transaction process.

9. A system for exchanging shared-ownership digital currencies, for implementing the exchange method according to any one of claims 6 to 8, characterized in that: include: User clients, commercial bank systems, and central bank digital currency systems; The user client, commercial bank system, and central bank digital currency system use the exchange method described in any one of claims 6 to 8 to exchange digital currencies.

Images