Payment method and system based on shared property digital currency

Abstract

The present invention proposes a payment method and system based on shared-ownership digital currency, which adds identity information of a sufficient number of rights holders to the shared-ownership digital currency, realizes the technical requirement that the digital currency is jointly owned by multiple rights holders, and adds the identity information of the currency holder to the digital currency to distinguish the digital currencies held by different currency holders. The present invention designs a shared-ownership digital currency account mechanism in digital currency transactions, that is, when a shared-ownership digital currency is to participate in a transaction, a sufficient number of rights holders are required to confirm the transaction information and send the digital currency they hold to the shared-ownership digital currency account for aggregation. The commercial bank digital currency system corresponding to the shared-ownership digital currency account sends the collected digital currency to the central bank and converts it into the currency form required by the payee. In this way, we ensure the control of the shared-ownership digital currency by the shared-ownership party.

Description

Technical Field

[0001] The present invention relates to the technical field of digital currency transactions, and in particular to a payment method and system based on shared-ownership digital currency. Background Art

[0002] At present, digital currency itself cannot directly display the information of the currency owner, but the information of the currency owner is encoded into the digital currency through coding, so that a digital currency can be directly and unambiguously attributed to a certain currency owner. However, the current coding method is one coin, one person, one code, that is, the current digital currency ownership code often sets a digital currency to belong to a certain owner, and in digital currency transactions, only the consent of this owner is required for the transaction.

[0003] In social scenarios such as families and community organizations, there are situations where the ownership of the same digital currency is shared by multiple people. The current ownership coding and transaction methods of digital currency itself cannot reflect the ownership of the digital currency by all owners. Therefore, the transaction of digital currency cannot ensure the rights and interests of all owners. Summary of the invention

[0004] Purpose of the invention: In order to fill the gap in the prior art, the present invention proposes a payment method and system based on shared-ownership digital currency, which can ensure the right holder's control over the shared-ownership digital currency during the digital currency transaction process.

[0005] Technical solution: To achieve the above purpose, the present invention proposes a payment method based on shared property digital currency, comprising the following steps:

[0006] (1) The central bank’s digital currency system generates digital currencies of the same value for all rights holders of the same digital currency, presets the number of people required for payment of the digital currency, and adds the ownership code and holder information to each digital currency;

[0007] (2) Before the transaction, all rights holders of the shared digital currency shall establish a shared digital currency account in the same commercial bank digital currency system and link their personal information;

[0008] (3) During a transaction, any holder initiates a payment request to the payer's commercial bank digital currency system and deposits the digital currency he holds into a shared digital currency account;

[0009] (4) The payer's commercial bank digital currency system forwards the payment request to other rights holders based on the personal information of each rights holder associated with the shared digital currency account;

[0010] (5) If other rights holders agree, they will also deposit their own digital currency into the shared digital currency account;

[0011] (6) After the payer's commercial bank digital currency system confirms that it has received a sufficient amount of digital currency held by the right holder, it will send the received digital currency and the payment request together to the central bank digital currency system;

[0012] (7) The central bank's digital currency system freezes the received digital currency, converts the received digital currency into the currency form required by the payment request and pays it to the payee, and destroys the frozen digital currency after receiving a confirmation message from the payee.

[0013] Specifically, the currency form required by the payment request includes digital currency or physical currency.

[0014] Optionally, if the payment request requires payment in the form of digital currency, the central bank's digital currency system generates digital currency with a value equal to the transaction amount and gives it to the payee's commercial bank digital currency system. After the payee's commercial bank digital currency system verifies the plain text part of the digital currency, it sends the digital currency to the payee user for storage.

[0015] Optionally, if the payment request requires payment in physical currency, the central bank's digital currency system will send the transaction amount to the backend, which will call the central bank's physical currency system to transfer the corresponding amount of physical currency to the payee's physical currency account in the payee's commercial bank's physical currency system.

[0016] Furthermore, the digital currency also includes an anti-counterfeiting code, which 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.

[0017] Furthermore, in step (7), before converting the digital currency, the central bank's digital currency system decrypts the anti-counterfeiting code with its own anti-counterfeiting code key, and matches the decrypted right holder's identity information with the holder information in the received digital currency. If the holder information in each digital currency matches successfully and the number of holders reaches the preset number requirement, the match is successful and the subsequent digital currency conversion continues; otherwise, the transaction is terminated.

[0018] Furthermore, in step (7), if there is a digital currency with a value greater than the transaction amount, the central bank's digital currency system also generates a change digital currency and sends it to the payee's commercial bank digital currency system. The payee's commercial bank digital currency system verifies the change digital currency and sends it to the payee for storage; for the right holder who has not paid the shared property digital currency, the central bank's digital currency system also generates a request to destroy the specified shared property digital currency and sends it to the payee's commercial bank digital currency system. The payee's commercial bank digital currency system verifies the request and sends it to the payee, and the payee destroys the specified shared property digital currency.

[0019] Furthermore, the digital currency is transmitted using a quantum communication encryption channel during the transaction process.

[0020] The present invention also proposes a payment system based on shared-ownership digital currency, including: a digital currency holder client participating in the transaction, a payer commercial bank digital currency system, a payee commercial bank system, and a central bank system; the central bank system includes a central bank digital currency system and a central bank physical currency system, and the payee commercial bank system includes a payee commercial bank digital currency system and a payee commercial bank physical currency system; the client, the payer commercial bank digital currency system, the payee commercial bank system, and the central bank system adopt the payment method to conduct digital currency transactions.

[0021] Beneficial effects: Compared with the prior art, the present invention has the following advantages:

[0022] The present invention constructs a new coding method for shared-ownership digital currency, that is, the identity information of all rights holders is added to the shared-ownership digital currency through coding, 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 coin holder is added to the digital currency to distinguish the digital currencies held by different coin holders.

[0023] The present invention designs a shared-ownership digital currency account mechanism in digital currency transactions, that is, when a shared-ownership digital currency is to be traded, a sufficient number of rights holders are required to confirm the transaction information and send the digital currency they hold to the shared-ownership digital currency account for aggregation. The commercial bank digital currency system corresponding to the shared-ownership digital currency account will send the collected digital currency to the central bank and convert it into the currency form required by the payee. In this way, we ensure the control of the shared-ownership digital currency by the shared-ownership party.

[0024] In addition, as a preferred embodiment, the present application also proposes to use quantum communication methods to encrypt communications at each stage in the present application, so as to improve the transmission security of digital currency. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] Figure 1This is a flow chart of the payment method involved in Example 1;

[0026] Figure 2 is a flow chart of the payment method involved in Example 2;

[0027] Figure 3 This is a diagram of the payment system structure involved in Example 1;

[0028] Figure 4 This is a diagram of the payment system structure involved in Example 2. DETAILED DESCRIPTION

[0029] The present invention will be further described below in conjunction with the accompanying drawings and specific embodiments. However, it should be understood that the present invention can be implemented in various forms, and some exemplary and non-limiting embodiments shown in the accompanying drawings and described below are not intended to limit the present invention to the specific embodiments described.

[0030] It should be understood that, where technically feasible, the technical features listed above for different embodiments can be combined with each other to form other 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 can be modified accordingly without departing from the scope of protection of the present invention.

[0031] The shared property digital currency in this application is a string of programmable digital currency, mainly including a currency value code, an anti-counterfeiting code, and an ownership code, wherein the ownership code contains information of multiple rights holders, that is, all owners of the shared property digital currency can be inferred from the ownership code; the currency value code is used to display the amount of the digital currency; the anti-counterfeiting code is a string of encrypted information, and the anti-counterfeiting code can be decrypted to reveal information such as the currency value, the commercial bank to which it belongs, and the rights holder, and the decryption key of the anti-counterfeiting code is only stored in the central bank's digital currency system; the entire digital currency can be represented as a binary digit string; as a preferred embodiment, the entire digital currency is transmitted using quantum communication encryption during the transmission process.

[0032] For digital currencies shared by multiple right holders, assuming the number of right holders is N, the central bank's digital currency system generates N identical digital currencies, adds holder information to each digital currency, presets the number requirement for payment with the digital currency, and places the number requirement in the holder information, and then distributes these N digital currencies to the corresponding holders.

[0033] If the shared-ownership digital currency needs to be traded, each right holder must first go to the corresponding commercial bank to open a shared-ownership digital currency account. The main steps are: all parties to the shared-ownership go to a commercial bank at the same time, and the commercial bank's digital currency system creates a shared shared-ownership digital currency account based on the identity information of each party, and sends the corresponding digital currency account information to the central bank's digital currency system for filing. After the shared-ownership digital currency account is created, each user can bind the account to their respective digital currency wallets.

[0034] 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 account. 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 the user performs payment and other operations, he only needs to select a digital currency account to operate the digital currency in the account.

[0035] Embodiment 1

[0036] This embodiment proposes a payment method based on a shared digital currency. The digital currency is shared by payers A and B, and C is the payee. The process is as shown in the attached figure. Figure 1 shown.

[0037] In this embodiment, when a payment of shared-ownership digital currency is required, one party (such as user A) operates his own digital currency wallet to select a shared-ownership digital currency account, and user A sends the corresponding amount of shared-ownership digital currency and payment information such as the payee to the commercial bank digital currency system corresponding to the shared-ownership digital currency account.

[0038] After the commercial bank digital currency system receives the shared-ownership digital currency from user A, it verifies whether the amount of shared-ownership digital currency to be paid is more than the amount to be paid. After the commercial bank digital currency system learns that the shared-ownership digital currency sent by user A is shared-ownership digital currency, it will send a payment confirmation message to user B. After user B receives the payment confirmation message from the commercial bank digital currency system, he or she will operate his or her own digital currency wallet to send the corresponding digital currency to be paid to the commercial bank digital currency system.

[0039] After the commercial bank digital currency system receives the corresponding shared-ownership digital currency from all co-owners, it verifies whether the received digital currency is the matching shared-ownership digital currency. After the verification, the corresponding shared-ownership digital currency and payment information such as the payee will be sent to the central bank digital currency system.

[0040] After the central bank's digital currency system receives the payment information sent by the commercial bank's digital currency, the central bank's digital currency system verifies the user's shared-ownership digital currency, mainly by decrypting the digital currency's anti-counterfeiting code, 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, and also needs to verify whether all shared-ownership digital currencies have been collected based on the ownership information. . After confirmation, the central bank's digital currency system marks the received shared-ownership digital currency as pending destruction. At the same time, the central bank's digital currency system produces digital currency belonging to the payee user C based on the user's payment request information, and then the central bank's digital currency system sends the newly produced digital currency belonging to user C to the commercial bank's digital currency system corresponding to user C's digital currency collection account, and the commercial bank's digital currency system sends the digital currency to user C's digital currency wallet.

[0041] In some cases, if the amount of shared-ownership digital currency received by the central bank's digital currency system from the payee is greater than the amount to be paid, the central bank's digital currency system will also need to generate new shared-ownership digital currency for change, and send it to the payee's digital currency wallet through the commercial bank's digital currency system where the payee's shared-ownership digital currency account is located. 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 feedbacks the successful entry 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, which performs accounting operations.

[0042] After user C's digital wallet receives the digital currency, user C feeds back payment success confirmation information to the corresponding commercial bank digital currency system. The commercial bank digital currency system performs accounting operations and then feeds back payment success information to the central bank digital currency system. The central bank digital currency system performs accounting operations and destroys the previously marked digital currency; then the central bank digital currency system feeds back payment success information to the payer.

[0043] In the above embodiment, the commercial bank digital currency system in which the payer's shared-ownership digital currency account is opened and the commercial bank digital currency system of the payee can be the same commercial bank system or different commercial bank systems.

[0044] Accordingly, this embodiment also proposes a payment system based on a shared property digital currency, as shown in the attached Figure 3 As shown, it mainly includes user digital currency wallets, shared-ownership digital currency accounts, commercial bank digital currency systems and central bank digital currency systems, among which users A and B are co-owners and payers, and user C is the payee.

[0045] User A's digital currency wallet is responsible for initiating payment, mainly sending the corresponding amount of shared-ownership digital currency and the recipient's account information to the commercial bank digital currency system corresponding to the shared-ownership digital currency.

[0046] User B's digital currency wallet is responsible for confirming the payment, and mainly sends the digital currency that matches user A's co-owned digital currency to the commercial bank's digital currency system.

[0047] The commercial bank digital currency system of the shared-ownership digital currency account bank is mainly responsible for receiving the shared-ownership digital currency sent by the payer user.

[0048] The central bank's digital currency system is used to verify the authenticity and matching of the payer's shared-ownership digital currency. At the same time, the central bank's digital currency system produces corresponding digital currency belonging to the payee based on the user's payment request information.

[0049] The central bank's digital currency system is also used to send the generated digital currency to the commercial bank's digital currency system of the payee's account. After receiving the generated digital currency, the commercial bank's digital currency system verifies the digital currency's value and other plain text information, and after confirmation, sends the generated digital currency to the digital currency wallet of the payee user C.

[0050] Embodiment 2

[0051] This embodiment proposes a payment method based on shared property digital currency. The process is as follows: Figure 2 shown.

[0052] In this implementation, the recipient user C's receiving account is not a digital currency account, but a cash account. Then the payer needs to convert digital currency into physical currency, that is, the payer needs to convert digital currency into physical currency first, and then pay it to the payee. In this case, the central bank's digital currency system freezes the digital currency received by the payer, and then sends the transaction amount to the central bank's backend. The central bank's backend calls the ordinary account system to transfer the cash to the ordinary currency account of the payee user C in the payee's commercial bank.

[0053] The remaining processes are the same as those in the embodiment and will not be described again.

[0054] Accordingly, this embodiment also proposes a payment system based on a shared property digital currency, such as Figure 4As shown, in this system, the payment account of the payee user C is an ordinary bank account (cash account), so that after the payee sends the shared property digital currency to the central bank digital currency system, the central bank digital currency system will destroy the payee's shared property digital currency, and then the central bank digital currency system will link the central bank's ordinary account system to remit the corresponding funds to the payee's bank account. This embodiment mainly includes a user digital currency wallet, a shared property digital currency account, a commercial bank digital currency system, a commercial bank ordinary currency system, a central bank ordinary currency management system, a central bank digital currency system, and a payee user C ordinary bank account. The accompanying figure only shows the situation of two shared property owners, where user A and user B are shared property owners and payers, and user C is the payee.

[0055] User A's digital currency wallet is responsible for initiating payment, mainly sending the corresponding amount of shared-ownership digital currency and the recipient's account information to the commercial bank digital currency system corresponding to the shared-ownership digital currency.

[0056] User B's digital currency wallet is responsible for confirming the payment, and mainly sends the digital currency that matches user A's co-owned digital currency to the commercial bank's digital currency system.

[0057] The commercial bank digital currency system of the shared-ownership digital currency account bank is mainly responsible for receiving the shared-ownership digital currency sent by the payer user.

[0058] The central bank's digital currency system is used to verify the authenticity and matching of the payer's shared-ownership digital currency. At the same time, the central bank's digital currency system communicates with the central bank's ordinary currency management system, and the central bank's ordinary currency management system remits the funds to be paid to the ordinary bank account of the payee user C.

[0059] The above-mentioned embodiment has several variations. According to the embodiment, we can deduce transactions between ordinary payers and shared-ownership digital currency payees, transactions between shared-ownership digital currency payers and shared-ownership digital currency payees, etc.

[0060] 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 principle of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A payment method based on a shared-ownership digital currency, characterized in that: The following steps are involved: (1) The central bank’s digital currency system generates digital currencies of the same value for all rights holders of the same digital currency, presets the number of people required for payment of the digital currency, and adds the ownership code and holder information to each digital currency; (2) Before the transaction, all rights holders of the shared digital currency shall establish a shared digital currency account in the same commercial bank digital currency system and link their personal information; (3) During a transaction, any holder initiates a payment request to the payer's commercial bank digital currency system and deposits the digital currency he holds into a shared digital currency account; The currency form required by the payment request includes digital currency or physical currency. If the currency form required by the payment request is digital currency, the central bank digital currency system generates digital currency with a value equal to the transaction amount and gives it to the digital currency system of the payee commercial bank. After the digital currency system of the payee commercial bank verifies the plain text part of the digital currency, it sends the digital currency to the payee user for storage; If the payment request requires payment in the form of physical currency, the central bank's digital currency system will send the transaction amount to the backend, which will call the central bank's physical currency system to transfer the corresponding amount of physical currency to the payee's physical currency account in the payee's commercial bank's physical currency system; the digital currency also includes an anti-counterfeiting code, which 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; (4) The digital currency system of the commercial bank of the payer forwards the payment request to other rights holders based on the personal information of each rights holder associated with the shared digital currency account; (5) If other rights holders agree, they will also deposit their own digital currency into the shared digital currency account; (6) After the payer's commercial bank digital currency system confirms that it has received a sufficient amount of digital currency held by the right holder, it will send the received digital currency and the payment request together to the central bank digital currency system; (7) The central bank's digital currency system freezes the received digital currency, converts the received digital currency into the currency form required by the payment request and pays it to the payee, and destroys the frozen digital currency after receiving a confirmation message from the payee.

2. The payment method based on shared property digital currency according to claim 1 is characterized in that: In step (7), before performing the digital currency conversion, the central bank digital currency system decrypts the anti-counterfeiting code with its own anti-counterfeiting code key, and matches the decrypted right holder identity information with the holder information in the received digital currency. If the holder information in each digital currency matches successfully, and the number of holders reaches the preset number requirement, the match is successful and the subsequent digital currency conversion continues; otherwise, the transaction is terminated.

3. The payment method based on shared property digital currency according to claim 1 is characterized in that: In step (7), if there is a digital currency with a value greater than the transaction amount, the central bank's digital currency system also generates a change digital currency and sends it to the payee's commercial bank digital currency system. The payee's commercial bank digital currency system verifies the change digital currency and sends it to the payee for storage. For the right holder who has not paid the shared property digital currency, the central bank's digital currency system also generates a request to destroy the specified shared property digital currency and sends it to the payee's commercial bank digital currency system. The payee's commercial bank digital currency system verifies the request and sends it to the payee, and the payee destroys the specified shared property digital currency.

4. The payment method based on shared property digital currency according to claim 1 is characterized in that: The digital currency is transmitted via quantum communication encryption channels during the transaction process.

5. A payment system based on a shared-ownership digital currency, characterized by: include: The digital currency holder client participating in the transaction, the payer's commercial bank digital currency system, the payee's commercial bank system, and the central bank system; The central bank system includes the central bank digital currency system and the central bank physical currency system, and the payee commercial bank system includes the payee commercial bank digital currency system and the payee commercial bank physical currency system; The client, the payer's commercial bank digital currency system, the payee's commercial bank system, and the central bank system use the payment method described in any one of claims 1 to 4 to conduct digital currency transactions.

Images