A currency transfer method and system based on negative digital currency

Abstract

The present invention discloses a method and system for currency transfer based on negative digital currency. The method includes the following steps: S1. Using the central bank or commercial bank to issue an authorized intermediate agency system to the payer terminal and the payee terminal; S2. The payer terminal and the payee terminal complete the transaction of debt transfer through the near-field communication method; S3. Using the intermediate agency system to complete the transaction of debt repayment for the payer terminal and the commercial bank of the payee respectively. Beneficial effects: The present invention proposes the concept of "negative digital currency", transforms the receiving behavior of the payee who cannot access the Internet into a paying behavior, and adds a digital currency transaction intermediary, thus avoiding the problem that the payee who cannot access the Internet cannot verify and use digital currency. Even the payee who has difficulty accessing the Internet can immediately count the digital currency, and the payee no longer needs to be connected to the Internet to complete the entire digital currency transaction, providing a good user experience.

Description

Technical Field

[0001] The present invention relates to the field of computer communication technologies, and in particular, to a method and system for currency transfer based on negative digital currency. Background Art

[0002] With the development and popularization of the mobile Internet, the mobile payment industry has undergone rapid transformation and advancement. Business models based on various technologies such as the mobile Internet, NFC, HCE, Token, and biometric recognition have been continuously innovated, application scenarios have been continuously expanded and enriched, and the integrated development of online and offline services has accelerated. While the new mobile payment technologies provide users with diversified and convenient payment services, they also lead to the transformation and upgrading of industries such as communication, finance, and the Internet. The digital economy is the product of the development of the mobile Internet. Through continuously upgraded network infrastructure and information tools such as smart phones, and information technologies such as the Internet-cloud computing-blockchain-internet of things, the digital economy promotes the transformation of the human economic form from the industrial economy to the information economy-knowledge economy-intelligent economy form. Therefore, the digital economy is an inevitable manifestation of the development of science and technology in an era. At the same time, the development of the digital economy has also led to the emergence of digital currency, which is also the result of the development trend in the digital economy era.

[0003] Legal digital currency is electronic currency represented by a series of character strings, which is issued by the central bank or authorized by the People's Bank of China to be a legal currency in the form of encrypted digital strings representing specific amounts. Digital currency is built on the platform of today's mature computer technology and Internet technology. Currently, it is issued or authorized by the central bank, which is the core system of digital currency, and enters the circulation field. During the circulation process of digital currency, especially when it comes to the offline circulation link, the issue of digital currency transactions will be involved. In the prior art, the digital currency transactions are usually completed online in real time by the payee and the remitter. Regarding the problem of how to quickly and effectively achieve offline transactions of digital currency, this patent proposes a currency transfer method based on negative digital currency in the field of digital currency circulation to achieve efficient offline digital currency transactions.

[0004] In the prior art, assume that there is a digital currency transaction between a payer A and a payee B. Now, the payer A sends digital currency, the digital certificate of the payer A, and the signature and encryption of the sent information completed by A to the payee B, which is the transaction information. After receiving the transaction information, the payee B verifies the validity of A's signature and the face value of the digital currency and forwards it to the affiliated commercial bank. The commercial bank verifies the transaction information and forwards it to the People's Bank of China. The People's Bank of China verifies the transaction information, confirms the transaction, records the digital currency flow information, and then notifies the commercial bank of the transaction result. The commercial bank receives the transaction result, confirms the transaction, and feeds it back to the payee B. B receives the transaction result and records the face value of the digital currency as its own digital currency face value. The above is the digital currency circulation between the payer and the payee based on online real-time completion in the prior art. Assume that under certain limited conditions, for example, the payer A can be connected to the Internet, but the payee B cannot be connected to the Internet. Then, the payee B cannot immediately obtain the transaction result during the above transaction process and can only continue to complete the transaction after connecting to the Internet.

[0005] Problems existing in the prior art:

[0006] In the existing digital currency system, if both parties in the transaction cannot access the Internet, after receiving the digital currency, the authenticity of the digital currency cannot be confirmed, and the entire communication process of the digital currency cannot be completed. Therefore, the payee cannot use the received digital currency, and at the same time, the counting of the digital currency is hindered. Only after the payee accesses the Internet can the authenticity of the digital currency be confirmed, and the entire communication process of the digital currency can be completed. Finally, the received digital currency can be used, and the counting of the digital currency can be completed. For payees who cannot access the Internet all the time, such as payees of digital chip cards, they cannot access the Internet during normal transactions and can only access the Internet and settle at bank branches. The use of digital currency by these users is extremely inconvenient, and it is even more difficult to count the digital currency. Summary of the Invention

[0007] In view of the problems in the related art, the present invention proposes a method and system for currency transfer based on negative-value digital currency to overcome the above technical problems existing in the prior related art.

[0008] To this end, the specific technical solutions adopted by the present invention are as follows:

[0009] According to one aspect of the present invention, a method for currency transfer based on negative-value digital currency is provided. The method includes the following steps:

[0010] S1. Use the central bank or commercial bank to issue an authorized intermediate agency system for the payer terminal and the payee terminal;

[0011] S2. The payer terminal and the payee terminal complete the transaction of debt transfer through near-field communication;

[0012] S3. Use the intermediate agency system to complete the debt repayment transactions for the payer terminal and the payee commercial bank respectively.

[0013] Further, the debt transfer transaction between the payer terminal and the payee terminal in S2 is completed by near-field communication, which specifically includes the following steps:

[0014] S21. The payer terminal and the payee terminal confirm the transaction amount and initiate an active request to the intermediate agency system through near-field communication.

[0015] S22. The payer terminal sends the first request information to the intermediate agency system and combines the first request information with its digital signature to obtain the first transaction.

[0016] S23. The payee terminal sends the second request information to the intermediate agency system and combines the second request information with its digital signature to obtain the second transaction.

[0017] S24. The intermediate agency system receives the first request information from the payer terminal and the second request information from the payee terminal through near-field communication, and analyzes and verifies the validity of the first transaction and the second transaction.

[0018] S25. After the verification by the intermediate agency system, the first transaction and the second transaction are confirmed, and the digital currency flow, the user terminal information of both trading parties, the user identity information, and the signature information of both parties are recorded. At the same time, the intermediate agency system generates transaction feedback information and feeds it back to the payer terminal and the payee terminal through near-field communication.

[0019] Further, the near-field communication method in S21 includes, but is not limited to, identification technologies such as near-field communication and QR code recognition, and wireless communication means.

[0020] Further, the first request information includes the identity information of the payer terminal, the identity information of the intermediate agency system of the payee terminal, ordinary digital currency, the digital certificate of the payer terminal, and the signature of the first request information completed by the payer terminal.

[0021] Further, the second request information includes the identity information of the intermediate agency system of the payer terminal, the identity information of the payee terminal, negative digital currency, the digital certificate of the payee terminal, and the signature of the second request information completed by the payee terminal.

[0022] Further, the verification method in S24 includes: verifying whether the amount of digital currency to be paid is equal to the payment amount, verifying whether the central bank digital signature of the digital currency is valid, and verifying whether the digital signatures of the payer terminal and the payee terminal for the transaction are valid.

[0023] Further, the transaction of using the intermediate proxy system to complete debt repayment for the remitting party terminal and the receiving party commercial bank in S3 includes the following steps:

[0024] S31. In the networked state, the intermediate proxy system finds the receiving party commercial bank corresponding to the receiving party terminal according to the second transaction information, forwards the transaction information of transferring debt as the third request information to the receiving party commercial bank, and merges the third request information and its digital signature to obtain the third transaction;

[0025] S32. The receiving party commercial bank receives the third request information and verifies the third transaction. After passing the verification, the receiving party commercial bank approves the transaction and forwards the third request information to the central bank;

[0026] S33. The central bank receives the information, verifies the third transaction, confirms the transaction after verification and records the digital currency flow direction, and at the same time sends the third transaction with the central bank digital signature and the transaction confirmation message to the remitting party commercial bank corresponding to the remitting party terminal;

[0027] S34. The remitting party commercial bank receives the transaction confirmation message and verifies it. After verification, it confirms the transaction record of the digital currency flow direction, changes the owner of the ordinary digital currency from the account of the remitting party terminal in the remitting party commercial bank to the account of the receiving party terminal in the receiving party commercial bank, and changes the balance in the account of the remitting party commercial bank to which the remitting party terminal belongs. At the same time, after the remitting party commercial bank confirms the transaction, it sends the transaction confirmation message with the remitting party commercial bank digital signature to the central bank;

[0028] S35. The central bank receives the transaction confirmation message for verification, confirms the transaction after verification and records the digital currency flow direction, and at the same time sends the transaction confirmation message with the central bank digital signature to the receiving party commercial bank;

[0029] S36. The receiving party commercial bank receives the transaction confirmation information for verification, confirms the transaction after verification and records the digital currency flow direction, changes the owner of the ordinary digital currency from the digital currency owner in the account of the remitting party terminal in the remitting party commercial bank to the account of the receiving party terminal in the receiving party commercial bank, and deducts and clears the negative digital currency in the account of the receiving party terminal in the receiving party commercial bank. The receiving party commercial bank confirms the transaction and sends the transaction confirmation message with the receiving party commercial bank digital signature to the intermediate proxy system;

[0030] S37. The intermediate proxy system verifies the received transaction confirmation message and deletes the transaction records of the remitting party terminal and the receiving party terminal.

[0031] Further, the third request information includes a first transaction, a second transaction, and a signature of the third request information completed by an intermediate agency system.

[0032] According to another aspect of the present invention, there is provided a currency transfer system based on negative digital currency, which includes a user terminal, a commercial bank, a central bank, and an intermediate agency system. The user terminal includes a remitter terminal and a payee terminal. The commercial bank includes a remitter commercial bank corresponding to the remitter terminal and a payee commercial bank corresponding to the payee terminal.

[0033] Further, the user terminal includes a security software component or a hardware component for online or offline transaction verification of digital currency, and the user terminal stores the identity information of the user terminal owner.

[0034] The intermediate agency system is a digital currency trading system authorized by the affiliated commercial bank or the central bank, including a digital currency software authentication security component and a hardware security component. The intermediate agency system can communicate securely with the user terminal by various near-field communication methods and has the ability to store and calculate digital currency.

[0035] The beneficial effects of the present invention are as follows: The present invention proposes the concept of "negative digital currency", transforms the receiving behavior of the payee who cannot access the Internet into a remitting behavior, and adds a digital currency trading intermediary, thereby avoiding the problem that the payee who cannot access the Internet cannot verify and use digital currency. Even the payee who has difficulty accessing the Internet can immediately count the digital currency, and the payee no longer needs to be connected to the Internet to complete the entire digital currency transaction, providing a good user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required in the embodiments. Obviously, the drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0037] Figure 1 is a flowchart of a currency transfer method based on negative digital currency according to an embodiment of the present invention;

[0038] Figure 2 is a transaction schematic diagram from the user terminal to the Agent in a currency transfer method based on negative digital currency according to an embodiment of the present invention;

[0039] Figure 3 is a transaction schematic diagram from the Agent to the digital currency issuing institution in a currency transfer method based on negative digital currency according to an embodiment of the present invention. Detailed Implementation Modes

[0040] To further illustrate the embodiments, the present invention provides accompanying drawings, which are part of the disclosure of the present invention. They are mainly used to illustrate the embodiments and can be used in conjunction with the relevant descriptions in the specification to explain the operating principles of the embodiments. With reference to these contents, those of ordinary skill in the art should be able to understand other possible implementation modes and the advantages of the present invention. The components in the figures are not drawn to scale, and similar component symbols are usually used to represent similar components.

[0041] According to an embodiment of the present invention, a method and system for currency transfer based on negative digital currency are provided.

[0042] Now, the present invention will be further described in conjunction with the accompanying drawings and specific implementation modes. As Figures 1 - 3 shown, according to an embodiment of the present invention, a method and system for currency transfer based on negative digital currency are provided. The method includes the following steps:

[0043] S1. Use the central bank (hereinafter referred to as the central bank) or commercial bank (hereinafter referred to as the commercial bank) to issue an authorized intermediate agency system (Agent) for the remitting party terminal (remitting party A) and the receiving party terminal (receiving party B).

[0044] In the implementation mode of the present invention, digital currency transactions are carried out based on two user terminals, namely the remitting party A and the receiving party B. Both the remitting party A and the receiving party B are in an offline state, and B, as the receiving party, is issued with a certain amount of negative digital currency. The commercial bank to which A belongs is called A commercial bank, and the commercial bank to which B belongs is called B commercial bank. B commercial bank is the issuing bank of negative digital currency. In actual implementation, usually both parties can request the commercial bank or central bank to which they belong to issue an authorized Agent device according to the actual production environment requirements. Preferably, the producer (generally the receiving party) applies to the affiliated bank for Agent facilities.

[0045] S2. Transaction for transferring debts (the remitting party terminal and the receiving party terminal complete the transaction of debt transfer through near-field communication).

[0046] Among them, S2 includes the following steps:

[0047] S21. After both parties confirm that the transaction amount is x, the remitting party and the receiving party initiate an active request to the Agent through near-field communication. The near-field communication methods include identification technologies such as NFC and two-dimensional codes and wireless communication means.

[0048] S22. The remitter A sends a request message MSGA (the first request message) to the Agent. The request message includes the identity information of the remitter A, the identity information of the payee Agent, digital currency x (ordinary digital currency), the digital certificate of the remitter A, and carries the signature of the request message MSGA completed by A. After MSGA and its digital signature are combined, they become transaction TXA (the first transaction).

[0049] S23. The payee B sends a request message MSGB (the second request message) to the Agent. The request message includes the identity information of the remitter Agent, the identity information of the payee B, negative digital currency -x, the digital certificate of the payee B, and carries the signature of the request message MSGB completed by B. After MSGB and its digital signature are combined, they become transaction TXB (the second transaction).

[0050] S24. After the Agent receives the request messages of A and B through near-field communication, it parses and verifies the validity of the transactions. The verification methods include: the amount of digital currency to be paid is equal to the payment amount, the central bank digital signature of the digital currency is valid, and the digital signatures of A and B for the transactions are valid, etc.

[0051] S25. After the Agent's verification is passed, it confirms the transaction, records the flow of digital currency, as well as the user terminal information, user identity information of both parties to the transaction, and signatures of both parties, etc., for settling digital currency with the commercial banks or central banks to which both parties belong when connecting to the network next time. The Agent generates transaction feedback information and feeds it back to A and B through near-field communication, such as prompting that the transaction is successful or failed, etc. As Figure 2 shown.

[0052] After the above transaction process is completed, the remitter A has completed the transaction of sending x to the Agent in an offline state through near-field communication. The payee B has completed the transaction of sending -x to the Agent in an offline state, which is actually a transaction of receiving x. At this time, the -x received by the Agent is actually the debt of the Agent to the issuing bank.

[0053] S3. Debt repayment transaction (using the intermediate agency system to complete debt repayment transactions for the remitter terminal and the payee commercial bank respectively);

[0054] Further, as Figure 3 shown, the S3 includes the following steps:

[0055] S31. After the Agent connects to the network, settle the transactions between A and B with the affiliated commercial bank or the central bank. The Agent locates Commercial Bank B (the receiving commercial bank) based on the transaction information, and forwards the transaction information of the aforesaid transferred debt as a request message (the third request message) to Commercial Bank B. The request message MSGAgent includes TXA and TXB, and carries the signature of MSGAgent completed by the Agent; MSGAgent and its digital signature are combined to form transaction TXAgent (the third transaction).

[0056] S32. After receiving the above request message, Commercial Bank B verifies TXAgent. The verification information includes the validity of the transaction, the user terminal identity information, etc. After passing the verification, Commercial Bank B approves the transaction and forwards the request message to the central bank.

[0057] S33. After receiving the above request message, the central bank verifies TXAgent. After verification, confirm the transaction and record the flow of digital currency, send TXAgent and the transaction confirmation message to Commercial Bank A (the remitting commercial bank), and carry the digital signature of the central bank.

[0058] S34. After receiving the above transaction confirmation message, Commercial Bank A verifies the transaction confirmation message. After verification, confirm the transaction and record the flow of digital currency, change the owner of digital currency x from A's account in Commercial Bank A to B's account in Commercial Bank B, and change the balance of the account in the affiliated commercial bank of A. After Commercial Bank A confirms the transaction, send the transaction confirmation message to the central bank, and carry the digital signature of Commercial Bank A.

[0059] S35. After receiving the above transaction confirmation message, the central bank verifies it. After verification, confirm the transaction and record the flow of digital currency, that is, from A to Commercial Bank B, and then generate a transaction confirmation message to send to Commercial Bank B, and carry the digital signature of the central bank.

[0060] S36. After receiving the above transaction confirmation information, Commercial Bank B verifies it. After verification, confirm the transaction and record the flow of digital currency, change the owner of digital currency x from A's account in Commercial Bank A to B's account in Commercial Bank B, that is, Commercial Bank B receives digital currency with a face value of x from A, and offsets and eliminates the negative digital currency in B's account in Commercial Bank B. After Commercial Bank B confirms the transaction, send the transaction confirmation message to the Agent, and carry the digital signature of Commercial Bank B.

[0061] S37. The Agent verifies the received transaction confirmation message and deletes the transaction records of the remitting party A and the receiving party B.

[0062] After the above trading process is completed, the Agent realizes a transaction of repaying -x for the remitter A, that is, A pays x; the Agent completes the clearing of negative-value currency for the issuing bank of the payee B, that is, after receiving x, the borrowing is cleared.

[0063] According to another aspect of the present invention, a currency transfer system based on negative-value digital currency is provided. The system includes a user terminal, the affiliated commercial bank, the central bank, and an intermediate agency system, which is used to store the digital currency issued by the digital currency issuing institution and conduct digital currency transactions; the user terminal includes near-field communication or network-connected communication devices such as POS machines, mobile phones, NFC, etc. The user terminal includes secure software components or hardware components for verifying online or offline digital currency transactions. The user terminal stores the identity information of the user terminal owner; the digital currency issuing institution is the People's Bank of China or the central bank; similarly, there is also a commercial bank for building a digital currency trading system at different levels together with the central bank; the intermediate agency system is a digital currency trading system authorized by the affiliated commercial bank or the central bank, including digital currency software authentication security components and hardware security components. The intermediate agency system Agent can communicate securely with the user terminal in a variety of near-field communication methods and has the ability to store and calculate digital currency; the digital currency generally refers to the currency in circulation in the market, and its denominations include 1 yuan, 5 yuan, 10 yuan, 20 yuan, 50 yuan, 100 yuan, and other denomination amounts composed of basic denominations, etc.; similarly, negative-value digital currency includes -1 yuan, -5 yuan, -10 yuan, -20 yuan, -50 yuan, -100 yuan, and other denomination amounts composed thereof. The negative-value digital currency is actually a borrowing of the issuing bank, so the difference from ordinary digital currency is that the negative-value digital currency stores the information of the issuing bank. When ordinary digital currency is initially exchanged, the user holds cash or an online banking account. After paying the amount to the bank, the bank issues an equal amount of digital currency to the user. At the same time, the bank records this exchange event and updates the amount of the user's online banking account and digital currency account. For example, the digital currency account amount is 10,000 yuan; when negative-value digital currency is initially exchanged, the bank holds cash or an online banking account. After paying the amount to the user, the bank issues an equal amount of negative-value digital currency to the user. At the same time, the bank records this exchange event and updates the amount of the user's online banking account and digital currency account. For example, the digital currency account amount is -10,000 yuan.

[0064] In summary, by means of the above technical solutions of the present invention, the present invention proposes the concept of "negative value digital currency", transforms the receiving behavior of the payee who cannot access the Internet into a payment behavior, and adds a digital currency transaction intermediary, thereby avoiding the problem that the payee who cannot access the Internet cannot verify and use digital currency. Even payees who have difficulty accessing the Internet can instantly count digital currency, and the payee no longer needs to be connected to the Internet to complete the entire digital currency transaction, providing a good user experience.

[0065] The technical features of the above-described embodiments can be combined arbitrarily. For the sake of brevity of description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered as the scope described in this specification.

[0066] The above-described embodiments only represent several implementation manners of the present invention, and their descriptions are relatively specific and detailed, but they should not be construed as limiting the scope of the invention patent. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present invention, several modifications and improvements can still be made, and these all belong to the protection scope of the present invention. Therefore, the protection scope of the present invention patent shall be subject to the appended claims.

Claims

1. A method for currency transfer based on negative digital currency, characterized in that The method includes the following steps: S1. Use the central bank or commercial bank to issue an authorized intermediate agency system for the payer terminal and the payee terminal; S2. The payer terminal and the payee terminal complete the transaction of debt transfer through the near-field communication method; The specific steps for the payer terminal and the payee terminal to complete the transaction of debt transfer through the near-field communication method in S2 are as follows: S21. The payer terminal and the payee terminal confirm the transaction amount and initiate an active request to the intermediate agency system through the near-field communication method; S22. The payer terminal sends the first request information to the intermediate agency system and combines the first request information and its digital signature to obtain the first transaction; S23. The payee terminal sends the second request information to the intermediate agency system and combines the second request information and its digital signature to obtain the second transaction; S24. The intermediate agency system receives the first request information of the payer terminal and the second request information of the payee terminal through the near-field communication method, and analyzes and verifies the validity of the first transaction and the second transaction; S25. After the verification by the intermediate agency system, the first transaction and the second transaction are confirmed, and the flow of digital currency, the user terminal information of both parties to the transaction, the user identity information, and the signature information of both parties are recorded. At the same time, the intermediate agency system generates transaction feedback information and feeds it back to the payer terminal and the payee terminal through the near-field communication method; S3. Use the intermediate agency system to complete the transaction of debt repayment for the payer terminal and the payee commercial bank respectively; The steps for using the intermediate agency system to complete the transaction of debt repayment for the payer terminal and the payee commercial bank respectively in S3 are as follows: S31. In the networked state, the intermediate agency system finds the payee commercial bank corresponding to the payee terminal according to the second transaction information, forwards the transaction information of the transferred debt as the third request information to the payee commercial bank, and combines the third request information and its digital signature to obtain the third transaction; S32. The payee commercial bank receives the third request information and verifies the third transaction. After the verification is passed, the payee commercial bank approves the transaction and forwards the third request information to the central bank; S33. The central bank receives the information and verifies the third transaction. After the verification, the transaction is confirmed and the flow of digital currency is recorded. At the same time, the third transaction with the digital signature of the central bank and the transaction confirmation message are sent to the payer commercial bank corresponding to the payer terminal; S34. The payer commercial bank receives the transaction confirmation message and verifies it. After the verification, the transaction record of the digital currency flow is confirmed. The owner of the ordinary digital currency is changed from the account of the payer terminal in the payer commercial bank to the account of the payee terminal in the payee commercial bank, and the balance in the account of the payer commercial bank to which the payer terminal belongs is changed. At the same time, after the payer commercial bank confirms the transaction, it sends the transaction confirmation message with the digital signature of the payer commercial bank to the central bank; S35. The central bank receives the transaction confirmation message for verification. After verification, the transaction is confirmed and the flow of digital currency is recorded. Meanwhile, the transaction confirmation message with the digital signature of the central bank is sent to the receiving commercial bank of the payee. S36. The receiving commercial bank of the payee receives the transaction confirmation information for verification. After verification, the transaction is confirmed and the flow of digital currency is recorded. The ordinary digital currency is changed from the digital currency owner in the account of the paying party's commercial bank by the paying party's terminal to the account of the receiving party's terminal in the receiving commercial bank of the payee, and the negative digital currency in the account of the receiving party's terminal in the receiving commercial bank of the payee is offset and cleared. The receiving commercial bank of the payee confirms the transaction and sends the transaction confirmation message with the digital signature of the receiving commercial bank of the payee to the intermediate agency system. S37. The intermediate agency system verifies the received transaction confirmation message and deletes the transaction records of the paying party's terminal and the receiving party's terminal.

2. The currency transfer method based on negative digital currency according to claim 1, characterized in that, The near-field communication method in S21 includes, but is not limited to, identification technologies such as near-field communication and QR code recognition and wireless communication means.

3. A method for currency transfer based on negative digital currency according to claim 1, characterized in that, The first request information includes the identity information of the paying party's terminal, the identity information of the intermediate agency system of the receiving party's terminal, ordinary digital currency, the digital certificate of the paying party's terminal, and the signature of the first request information completed by the paying party's terminal.

4. A method for currency transfer based on negative digital currency according to claim 1, characterized in that, The second request information includes the identity information of the intermediate agency system of the paying party's terminal, the identity information of the receiving party's terminal, negative digital currency, the digital certificate of the receiving party's terminal, and the signature of the second request information completed by the receiving party's terminal.

5. A method for currency transfer based on negative digital currency according to claim 1, characterized in that, The verification method in S24 includes: verifying whether the amount of digital currency to be paid is equal to the payment amount, verifying whether the digital signature of the central bank of the digital currency is valid, and verifying whether the digital signatures of the paying party's terminal and the receiving party's terminal for the transaction are valid.

6. The method for currency transfer based on negative digital currency according to claim 1, wherein, The third request information includes the first transaction, the second transaction, and the signature of the third request information completed by the intermediate agency system.

7. A currency transfer system based on negative digital currency for implementing the steps of the currency transfer method based on negative digital currency according to any one of claims 1-6, characterized in that, The system includes user terminals, commercial banks, the central bank, and an intermediate agency system. The user terminals include a paying party's terminal and a receiving party's terminal. The commercial banks include a paying party's commercial bank corresponding to the paying party's terminal and a receiving party's commercial bank corresponding to the receiving party's terminal.

8. A currency transfer system based on negative digital currency according to claim 7, characterized in that, The user terminal includes a security software component or a hardware component for online or offline transaction verification of digital currency, and the user terminal stores the identity information of the user terminal owner. The intermediate agency system is a digital currency trading system authorized by the affiliated commercial bank or the central bank, including a digital currency software authentication security component and a hardware security component. The intermediate agency system can communicate securely with user terminals through various near-field communication methods and has the ability to store and calculate digital currency.

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