A payment method and system based on negative value digital currency

Abstract

The present invention discloses a payment method and system based on negative digital currency, the method comprising the following steps: S1, realizing the debt transfer transaction of the payee terminal in the online state and the debt transfer transaction of the payee terminal in the offline state through the debt transaction method; S2, realizing the debt repayment transaction of the payee terminal and the payee commercial bank by using the debt repayment method. Beneficial effect: The present invention proposes the concept of "negative digital currency", which transforms the payment behavior of the payee who cannot access the Internet into the payment behavior, thereby avoiding the problem that the payee who cannot access the Internet cannot verify and use the digital currency. Even the payee who has difficulty accessing the Internet can count the digital currency in real time, and the payee no longer needs to connect to the Internet to complete the entire transaction of the digital currency, and the user experience is good.

Description

Technical Field

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

[0002] With the development and popularization of mobile Internet, the mobile payment industry is undergoing rapid transformation and advancement. Business models based on various technologies such as mobile Internet, NFC, HCE, Token, and biometrics are constantly innovating, application scenarios are constantly expanding and enriching, and the integrated development of online and offline businesses is accelerating. While new mobile payment technologies provide users with diversified and convenient payment services, they also lead the transformation and upgrading of industries such as communications, finance, and the Internet. The digital economy is a product of the development of mobile Internet. Through the continuous upgrading of network infrastructure and information tools such as smart phones, Internet-cloud computing-blockchain-Internet of Things and other information technologies, the digital economy promotes the transformation of human economic forms from industrial economy to information economy-knowledge economy-smart economy. 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 due to the development trend of the digital economy era.

[0003] Legal digital currency is an electronic currency represented by a series of character strings. It is issued by the central bank or authorized by the People's Bank of China, and is a legal currency in the form of an encrypted digital string representing a specific amount of money. Digital currency is built on the platform of today's mature computer technology and Internet technology. It is now issued or authorized by the central bank as the core system of digital currency and enters the circulation field. In the process of digital currency circulation, especially when it comes to offline circulation, it involves the transaction of digital currency. In the prior art, the transaction of digital currency is usually completed online in real time by the payee and the payee. Regarding the issue of how to quickly and effectively realize offline transactions of digital currency, this patent proposes a collection method based on negative digital currency in the field of digital currency circulation to realize efficient offline digital currency transactions.

[0004] In the prior art, it is assumed that a payee A and a payee B conduct a digital currency transaction. The payee A now sends digital currency and the digital certificate of payee A to payee B, as well as the signature and encryption of the sent information completed by A, which is the transaction information; after receiving the transaction information, payee B verifies the validity of A's signature and the face value of the digital currency and forwards it to the commercial bank to which it belongs; 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 to confirm the transaction and records the flow information of the digital currency and then notifies the commercial bank of the transaction result; the commercial bank receives the transaction result, confirms the transaction and feeds back to the payee B; B receives the transaction result and records the face value of the digital currency as its own face value of the digital currency. The above is the digital currency circulation completed by the payee and the payee based on online real-time in the prior art. Assuming that there are certain limitations, for example, the payee A can be connected to the Internet, and the payee B cannot be connected to the Internet, then the payee B cannot obtain the transaction result immediately during the above transaction process, and can only continue to complete the transaction after connecting to the Internet.

[0005] Problems with existing technologies:

[0006] In the existing digital currency system, if the payee of 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, so the received digital currency cannot be used, and the counting of the digital currency is hindered; only after the payee has access to the Internet, can the authenticity of the digital currency be confirmed, and the entire communication process of the digital currency be completed, and finally the received digital currency can be used and the counting of the digital currency can be completed. For payees who have been unable to access the Internet, such as payees of digital chip cards, they cannot access the Internet in normal transactions and can only access the Internet and settle accounts at bank branches. These users are extremely inconvenient to use digital currency, and it is even more difficult to count digital currency. Summary of the invention

[0007] In response to the problems in the related technology, the present invention proposes a payment method and system based on negative value digital currency to overcome the above-mentioned technical problems existing in the existing related technology.

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

[0009] According to one aspect of the present invention, a payment method based on negative value digital currency is provided, the method comprising the following steps:

[0010] S1. Implementing a debt transfer transaction of a payee terminal in an online state and a debt transfer transaction of a payee terminal in an offline state through a debt transaction method;

[0011] S2. Implementing a debt repayment transaction between the payee terminal and the payee commercial bank using a debt repayment method;

[0012] Among them, the sender terminal is online and can be synchronized with the central bank or commercial bank, or is offline but can be synchronized with the central bank or commercial bank later, and the payee terminal is offline and is issued a certain amount of negative digital currency.

[0013] Furthermore, the debt transfer transaction of the payee terminal in an online state and the debt transfer transaction of the payee terminal in an offline state in S1 by the debt transaction method specifically include the following steps:

[0014] S11, the payee terminal and the payee terminal confirm the transaction amount, and send a request message to the payee terminal through the payee terminal;

[0015] S12, the payee terminal receives the request information through near field communication, analyzes and verifies the validity of the transaction, and after verification, forwards the request information of the payee terminal to the payee commercial bank;

[0016] S13, the sender commercial bank receives the request information and verifies the transaction, and forwards the request information to the central bank after the verification is passed;

[0017] S14, the central bank receives the request information and verifies the transaction. After the verification is passed, the transaction is confirmed and the flow of digital currency is recorded. At the same time, the transaction information is generated and sent to the payee commercial bank. The payee commercial bank receives the transaction information and confirms the validity of the transaction, and changes the owner of the digital currency from the account of the payee terminal in the payee commercial bank to the account of the sender terminal in the sender commercial bank. At the same time, the payee commercial bank confirms the transaction and sends the transaction result to the sender commercial bank through the central bank;

[0018] S15. After receiving the transaction information, the payee commercial bank confirms the transaction and records the flow of digital currency, and forwards the transaction information to the payee terminal;

[0019] S16. The payee terminal receives the transaction information, confirms that the transaction is successful, and records the negative digital currency as its own digital currency.

[0020] Furthermore, the request information in S11 includes the negative-value digital currency, the digital certificate of the payee's terminal, and the signature of the sending action completed by the payee.

[0021] Furthermore, the near field communication method in S12 includes but is not limited to near field communication and two-dimensional code recognition technology and wireless communication means.

[0022] Furthermore, the method for verifying the transaction in S12 includes: verifying whether the amount of the negative digital currency to be paid is equal to the payment amount, verifying whether the central bank's digital signature of the negative digital currency is valid, and verifying whether the digital signature of the transaction by the payee terminal is valid.

[0023] Furthermore, the verification information in S13 includes but is not limited to the validity of the transaction and the identity information of the payee terminal.

[0024] Furthermore, the negative-value digital currency is actually a loan from the issuing bank, and the difference between the negative-value digital currency and ordinary digital currency is that the negative-value digital currency contains the information of the issuing bank.

[0025] Furthermore, the debt repayment transaction between the payee terminal and the payee commercial bank using the debt repayment method in S2 specifically includes the following steps:

[0026] S21, a transaction in which the payee terminal pays digital currency to the payee commercial bank, wherein the transaction contains digital currency representing the debt amount of the payee terminal and negative digital currency;

[0027] S22. After receiving the payment, the payee commercial bank finds the corresponding repayer according to the negative digital currency of the debt amount, and after confirming it as the payee terminal, it approves the transaction;

[0028] S23, the beneficiary commercial bank sends the transaction to the central bank, and after the central bank verifies and approves the transaction, it sends the transaction to the beneficiary commercial bank;

[0029] S24. After receiving the transaction, the payee commercial bank clears the debt and completes the debt repayment transaction.

[0030] According to another aspect of the present invention, a payment system based on negative-value digital currency is provided, the system comprising a user terminal, a commercial bank and a central bank, the user terminal comprising a payee terminal and a payee terminal, the commercial bank comprising a payee commercial bank corresponding to the payee terminal and a payee commercial bank corresponding to the payee terminal.

[0031] Furthermore, the user terminal is authenticated by a digital currency issuing institution or an intermediary institution recognized by the digital currency issuing institution, the user terminal includes a secure software component or hardware component for verifying online or offline transactions of digital currency, and the user terminal stores identity information of the user terminal owner.

[0032] The beneficial effects of the present invention are as follows: the present invention proposes the concept of "negative value digital currency", which transforms the payment behavior of the payee who cannot access the Internet into a payment behavior, thereby avoiding the problem that the payee who cannot access the Internet cannot verify and use the digital currency. Even the payee who has difficulty accessing the Internet can count the digital currency in real time, and the payee no longer needs to be connected to the Internet to complete the entire digital currency transaction, which provides a good user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0034] Figure 1 is a flow chart of a payment method based on negative value digital currency according to an embodiment of the present invention;

[0035] Figure 2 It is a schematic diagram of the principle of a payment method based on negative-value digital currency according to an embodiment of the present invention. DETAILED DESCRIPTION

[0036] To further illustrate each embodiment, the present invention provides drawings, which are part of the disclosure of the present invention and 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, ordinary technicians in the field should be able to understand other possible implementations and advantages of the present invention. The components in the figures are not drawn to scale, and similar component symbols are generally used to represent similar components.

[0037] According to an embodiment of the present invention, a method and system for collecting money based on negative digital currency is provided. Among them, in the implementation of the method of the present invention, digital currency transactions are carried out based on multiple user terminals, namely, payee A (payee terminal) and payee B (payee terminal), payee A is online and can be synchronized with the central bank or business bank, or payee A is offline but can be synchronized with the central bank or business bank later, payee B is offline, and B, as the payee, is issued a certain amount of negative digital currency. A's business bank is called A business bank (payee commercial bank), B's business bank is called B business bank (payee commercial bank), and B business bank is the issuing bank of negative digital currency. In actual implementation, it is preferred that the payee initiates an active request through a near field communication method, and the near field communication method includes NFC, QR code and other identification technologies and wireless communication means.

[0038] The present invention will now be further described with reference to the accompanying drawings and specific embodiments. Figure 1-2 As shown, according to one embodiment of the present invention, a payment method based on negative value digital currency is provided, and the method comprises the following steps:

[0039] S1. Debt transfer transaction (debt transfer transaction of the payee terminal in an online state and debt transfer transaction of the payee terminal in an offline state are realized through a debt transaction method);

[0040] Wherein, the S1 comprises the following steps:

[0041] S11. After both parties confirm that the transaction amount is x, the payee B sends a request message to the payee A, and the request message includes the negative digital currency -x, the digital certificate of the payee B, and the signature of the sending behavior completed by B.

[0042] S12. The payee A receives the request information through the near field communication method, analyzes it, verifies the validity of the transaction, and then forwards the request information sent by B to Bank A. The method of verifying the transaction includes: the amount of the negative digital currency to be paid is equal to the payment amount, the central bank digital signature of the digital currency-x is valid, and B's digital signature on the transaction is valid.

[0043] S13. After receiving the request information, Bank A verifies the transaction, including the validity of the transaction and the user terminal identity information. After the verification is passed, Bank A forwards the request information to the central bank.

[0044] S14. After receiving the above request information, the central bank verifies the transaction. After verification, the transaction is confirmed and the flow of digital currency is recorded. Then the transaction information is generated and sent to Bank B. After Bank B confirms the validity of the transaction, the owner of the digital currency is changed from B's account at Bank B to A's account at Bank A. After Bank B confirms the transaction, it sends the transaction result to the central bank, and the central bank sends the transaction result to Bank A.

[0045] S15. After receiving the transaction information, Bank A confirms the transaction and records the flow of digital currency, and then forwards the transaction information to A.

[0046] S16. The sender A receives the transaction information, confirms that the transaction is successful, and records -x as its own digital currency, that is, a negative digital currency.

[0047] After the above transaction process is completed, the payee A realizes the -x transaction in an online state; the payee B completes the -x transaction through near-field communication in an offline state, which is actually a -x transaction.

[0048] S2. Debt repayment transaction (using the debt repayment method to realize the debt repayment transaction between the payee terminal and the payee commercial bank);

[0049] Wherein, the S2 comprises the following steps:

[0050] After A receives -x, -x is actually A's debt to the issuing bank. A executes the transaction process of repaying the debt, that is, paying x to the issuing bank, namely B Commercial Bank, and the transaction includes the digital currency of x from A and the digital currency of -x. After receiving the digital currency, the issuing bank finds the corresponding repayer according to the digital currency of -x, and after confirming that it is A, it approves the transaction. The issuing bank sends this transaction to the central bank. After the central bank verifies and approves the transaction, it sends the transaction result to the issuing bank. After receiving the transaction result, the issuing bank clears the debt, that is, accepts the digital currency of x and deletes the digital currency of -x. At this time, the transaction of repaying the debt is completed.

[0051] After the above transaction process is completed, the payee A realizes the transaction of repaying -x, that is, A pays x; the payee, the issuing bank, completes the clearance of negative currency, that is, after receiving x, the loan is cleared.

[0052] According to another aspect of the present invention, a collection system based on negative value digital currency is provided, which includes a user terminal and its affiliated commercial bank and central bank, and is used to store digital currency issued by a digital currency issuing institution and conduct digital currency transactions; the user terminal includes a POS machine, a mobile phone, NFC and other near-field communication or networked communication equipment, the user terminal is authenticated by the digital currency issuing institution or an intermediary institution recognized by the digital currency issuing institution, the user terminal includes a secure software component or hardware component for verifying online or offline transactions of digital currency, the user terminal stores the identity information of the user terminal owner, and at this time, the digital currency information increases the current user terminal owner identity information, digital currency During the transaction, the past owner's identity information (such as digital signatures, etc.) and digital currency transaction flow information are circulated; the digital currency issuing institution is the People's Bank of China or the Central Bank (hereinafter referred to as the "Central Bank"); similarly, the digital currency trading system built at different levels together with the Central Bank also includes commercial banks (hereinafter referred to as "commercial banks"); the digital currency usually refers to the currency circulating in the market, and its face value includes 1 yuan, 5 yuan, 10 yuan, 20 yuan, 50 yuan, 100 yuan and other face values ​​composed of basic face values ​​(replaced by "x"); similarly, negative digital currency includes -1 yuan, -5 yuan, -10 yuan, -20 yuan, -50 yuan, -100 yuan and other face values ​​composed of basic face values ​​(replaced by "-x"). Negative digital currency is actually a loan from the issuing bank, so the difference from ordinary digital currency is that negative digital currency contains information about 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 the user an equivalent amount of digital currency. At the same time, the bank records the exchange event and updates the user's online banking account balance and digital currency account balance, for example, the digital currency account balance is 10,000 yuan; when negative digital currency is initially exchanged, the bank holds cash or an online banking account. After paying the amount to the user, the bank issues the user an equivalent amount of negative digital currency. At the same time, the bank records the exchange event and updates the user's online banking account balance and digital currency account balance, for example, the digital currency account balance is -10,000 yuan.

[0053] To sum up, with the help of the above-mentioned technical scheme of the present invention, the present invention proposes the concept of "negative value digital currency", which transforms the collection behavior of the payee who cannot access the Internet into a payment behavior, thereby avoiding the problem that the payee who cannot access the Internet cannot verify and use the digital currency. Even the payee who has difficulty accessing the Internet can count the digital currency in real time, and the payee no longer needs to be connected to the Internet to complete the entire digital currency transaction, which provides a good user experience.

[0054] The technical features of the above-described embodiments may be arbitrarily combined. To make the description concise, not all possible combinations of the technical features in the above-described embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0055] The above-mentioned embodiments only express several implementation methods of the present invention, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the invention patent. It should be pointed out that, for ordinary technicians in this field, several variations and improvements can be made without departing from the concept of the present invention, and these all belong to the protection scope of the present invention. Therefore, the protection scope of the patent of the present invention shall be subject to the attached claims.

Claims

1. A payment method based on negative value digital currency, characterized in that: The method comprises the following steps: S1. Implementing a debt transfer transaction of a payee terminal in an online state and a debt transfer transaction of a payee terminal in an offline state through a debt transaction method; S2. Implementing a debt repayment transaction between the payee terminal and the payee commercial bank using a debt repayment method; The payee terminal is in an online state and can be synchronized with the central bank or a commercial bank, or is in an offline state but can be synchronized with the central bank or a commercial bank later, and the payee terminal is in an offline state and is issued a certain amount of negative digital currency; In S1, the debt transfer transaction of the payee terminal in an online state and the debt transfer transaction of the payee terminal in an offline state are realized by the debt transaction method, which specifically includes the following steps: S11, the payee terminal and the payee terminal confirm the transaction amount, and send a request message to the payee terminal through the payee terminal; S12, the payee terminal receives the request information through near field communication, analyzes and verifies the validity of the transaction, and after verification, forwards the request information of the payee terminal to the payee commercial bank; S13, the sender commercial bank receives the request information and verifies the transaction, and forwards the request information to the central bank after the verification is passed; S14, the central bank receives the request information and verifies the transaction. After the verification is passed, the transaction is confirmed and the flow of digital currency is recorded. At the same time, the transaction information is generated and sent to the payee commercial bank. The payee commercial bank receives the transaction information and confirms the validity of the transaction, and changes the owner of the digital currency from the account of the payee terminal in the payee commercial bank to the account of the sender terminal in the sender commercial bank. At the same time, the payee commercial bank confirms the transaction and sends the transaction result to the sender commercial bank through the central bank; S15. After receiving the transaction information, the payee commercial bank confirms the transaction and records the flow of digital currency, and forwards the transaction information to the payee terminal; S16. The payee terminal receives the transaction information, confirms that the transaction is successful, and records the negative digital currency as its own digital currency.

2. A method for collecting payment based on negative value digital currency according to claim 1, characterized in that: The request information in S11 includes the negative-value digital currency, the digital certificate of the payee's terminal, and the signature of the sending action completed by the payee.

3. A method for collecting payment based on negative value digital currency according to claim 1, characterized in that: The near field communication method in S12 includes but is not limited to near field communication and two-dimensional code recognition technology and wireless communication means.

4. A method for collecting payment based on negative value digital currency according to claim 1, characterized in that: The method for verifying the transaction in S12 includes: verifying whether the amount of the negative digital currency to be paid is equal to the payment amount, verifying whether the central bank digital signature of the negative digital currency is valid, and verifying whether the digital signature of the transaction by the payee terminal is valid.

5. A method for collecting payment based on negative value digital currency according to claim 1, characterized in that: The verification information in S13 includes but is not limited to the validity of the transaction and the identity information of the payee terminal.

6. A method for collecting payment based on negative value digital currency according to claim 1, characterized in that: The negative-value digital currency is actually a loan from the issuing bank, and the difference between negative-value digital currency and ordinary digital currency is that negative-value digital currency contains the information of the issuing bank.

7. A method for collecting payment based on negative value digital currency according to claim 1, characterized in that: The debt repayment transaction between the payee terminal and the payee commercial bank using the debt repayment method in S2 specifically includes the following steps: S21, a transaction in which the payee terminal pays digital currency to the payee commercial bank, wherein the transaction contains digital currency representing the debt amount of the payee terminal and negative digital currency; S22. After receiving the payment, the payee commercial bank finds the corresponding repayer according to the negative digital currency of the debt amount, and after confirming it as the payee terminal, it approves the transaction; S23, the beneficiary commercial bank sends the transaction to the central bank, and after the central bank verifies and approves the transaction, it sends the transaction to the beneficiary commercial bank; S24. After receiving the transaction, the payee commercial bank clears the debt and completes the debt repayment transaction.

8. A collection system based on negative value digital currency, used to implement the steps of the collection method based on negative value digital currency described in any one of claims 1 to 7, characterized in that: The system includes a user terminal, a commercial bank and a central bank. The user terminal includes a payee terminal and a payee terminal. The commercial bank includes a payee commercial bank corresponding to the payee terminal and a payee commercial bank corresponding to the payee terminal.

9. A collection system based on negative value digital currency according to claim 8, characterized in that: The user terminal is authenticated by a digital currency issuing institution or an intermediary institution recognized by the digital currency issuing institution. The user terminal includes a secure software component or hardware component for verifying online or offline transactions of digital currency, and the user terminal stores identity information of the user terminal owner.

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