A network service billing method and system based on digital currency

Abstract

This invention discloses a method and system for billing network services based on digital currency. The method comprises the following steps: using a commercial bank to issue digital currency to a user; the user paying for network services using the digital currency; and a network server exchanging the digital currency with the central bank's digital currency system. Advantageous Effects: The network service billing model of the invention is relatively flexible; the network service billing model of the invention is relatively simple; the network service billing model of the invention is relatively transparent; and the invention can effectively prove the identity of the user.

Description

Technical Field

[0001] The present invention relates to the field of confidential communications, and in particular to a network service billing method and system based on digital currency. Background Art

[0002] The core elements of the People's Bank of China's digital currency (D-RMB) system are one currency, two repositories, and three centers. The currency, "D-RMB" (DC / EP), or D-coin for short, refers to an encrypted digital string representing a specific amount signed by the central bank. The two repositories are the D-RMB issuing repository and the bank repositories (the central bank's digital currency database and the commercial bank's digital currency database). The digital currency in the issuing repository represents the central bank's digital currency fund; the digital currency in the bank repositories represents the commercial bank's digital cash reserves. The three centers are: a registration center (which records the entire process of currency generation, circulation, inventory verification, and expiration); and certification centers: a CA certification center (based on the PKI system, centrally managing institution and user certificates, such as CFCA) and an IBC certification center (an identity-based cryptography certification center). The registration center can maintain two tables: a digital currency ownership registration table, which records digital currency ownership, and a transaction flow table.

[0003] The D-RMB system is a hierarchical system, jointly built by the central bank and commercial banks. The central bank digital currency system is a computer system operated and maintained by the central bank or an institution designated by the central bank to process information about digital currency. Its main functions include being responsible for the issuance and verification monitoring of digital currency. The commercial bank digital currency system is a computer system operated and maintained by commercial banks or institutions designated by commercial banks to process information about digital currency. It performs various currency-related functions of existing banks, namely banking functions, which mainly include being directly facing the society and meeting various needs of providing digital currency circulation services after applying for digital currency from the central bank.

[0004] Existing network services such as online education services, audio and video on-demand services, and online game services have the following shortcomings:

[0005] 1. The existing network service billing model is not flexible enough: billing generally begins at account opening based on the network service billing type (monthly subscription or month-end settlement, etc.). Monthly subscription users are charged before they even use the network service, which can cause network servers to be idle or even wasteful. Users who settle their bills at the end of the month may find that their monthly consumption has exceeded their expectations, which does not meet their expectations.

[0006] 2. In existing technologies, the billing model for network services is relatively cumbersome: network service distribution and billing are two independent processes and two independent operating systems, making system construction and business logic relatively complex;

[0007] 3. In existing technologies, the billing model for network services is not transparent enough: users need to query the billing details for each communication, and the billing details are not detailed enough;

[0008] 4. In the prior art, since network services generally use account and password authentication, it may cause multiple people to use one account, that is, the identity of the user cannot be effectively proved. Summary of the Invention

[0009] In view of the problems in the related art, the present invention proposes a method to overcome the above technical problems existing in the existing related art.

[0010] To this end, the specific technical solutions adopted in the present invention are as follows:

[0011] According to one aspect of the present invention, a method for charging network services based on digital currency is provided, the method comprising the following steps:

[0012] S1. Use commercial banks to issue digital currency to users;

[0013] S2. The user pays for network services based on digital currency;

[0014] S3. The network server exchanges digital currency with the central bank digital currency system;

[0015] The issuance of digital currency to the user terminal by a commercial bank in S1 specifically includes the following steps:

[0016] S11. The commercial bank submits a request to the central bank digital currency system for digital currency containing a random number. The central bank digital currency system generates a random number, signs it, generates digital currency, and sends the digital currency back to the commercial bank.

[0017] S12. Commercial banks issue digital currencies of various denominations, i.e., symmetric keys, to users, who pay equivalent digital currencies or physical currencies to commercial banks.

[0018] Furthermore, the method of sending the digital currency back to the commercial bank in S11 is encrypted sending or copying based on quantum key distribution.

[0019] Furthermore, the digital currency in S11 is composed of ID, currency value, random number and signature, wherein the random number is preferably a quantum random number.

[0020] Furthermore, the user terminal paying for network services based on digital currency in S2 specifically includes the following steps:

[0021] S21. The network server provides network services to the user terminal;

[0022] S22. The network server sends the billing details to the user terminal;

[0023] S23. The user terminal receives the billing details and sends the second combination information to the network server;

[0024] S24. The network server verifies the user's digital certificate, the first signature information, and the digital currency. If the verification is successful, the transaction is trusted.

[0025] S25. The network server extracts the random number from the digital currency and uses the random number to calculate the session key to obtain a new session key between the user terminal and the network server.

[0026] S26. The network server stores the second combination information and sends a success message to the user terminal;

[0027] S27. After receiving the success message, the user terminal deletes the digital currency and calculates and stores a new session key with the network server.

[0028] Furthermore, the network server providing network services to the user terminal in S21 specifically includes the following steps:

[0029] S211: The client and the network server establish a session through the HTTPS authentication protocol and obtain a session key.

[0030] S212. The network server provides network services to the user terminal under the protection of the session key and communicates other messages.

[0031] Furthermore, the network server sending the billing details to the user terminal in S22 specifically includes the following steps:

[0032] S221. The network server charges the user terminal based on the user terminal's online time, data traffic, or a combination of the two.

[0033] S222. Each time a billing condition is met, a billing request is sent to the user terminal, which includes billing details.

[0034] Furthermore, the user terminal sending the second combination information to the network server in S23 specifically includes the following steps:

[0035] S231. After receiving the billing details, the user terminal calculates the total fee based on the billing details.

[0036] S232. The user terminal randomly selects a digital currency with a value equal to the total fee and which has not been used, and combines it with the current time, the sender ID, and the payee ID to form a first combination of information;

[0037] S233: Use the private key of the user terminal to sign the first combination information to obtain first signature information, and combine the first combination information, the first signature information and the certificate of the user terminal into second combination information, and the user terminal sends the second combination information to the network server.

[0038] Furthermore, the network server in S3 exchanges digital currency with the central bank digital currency system specifically including the following steps:

[0039] After the network server completes billing for the user terminal, it exchanges the received digital currency and sends the second combination information to the central bank digital currency system. The central bank digital currency system verifies and records the transaction and generates digital currency with a total cost value. It then sends it to the network server. The network server verifies and stores the digital currency, and the transaction ends.

[0040] Furthermore, if the network server in S3 does not have a way to communicate with the central bank digital currency system, it can communicate with the central bank digital currency system indirectly through the commercial bank to which the network server's digital currency account belongs.

[0041] According to another aspect of the present invention, a digital currency-based network service billing system is provided. The system includes a central bank digital currency system, a commercial bank digital currency system and a user terminal, and the user terminal stores a digital certificate and a user terminal private key.

[0042] Beneficial effects of the present invention:

[0043] 1. In the present invention, the billing model of network services is relatively flexible: billing is based on the actual network service consumption, and billing is performed when the network service is used. For users, this will not cause idleness or even waste of network servers, nor will it cause consumption beyond expectations.

[0044] 2. In the present invention, the billing model of network services is relatively simple: network services and billing are unified into an independent process and an independent operating system, and the system construction and business logic are relatively simple; the session key of the network service is constantly changing after being combined with the random number in the digital currency, making the network service more secure.

[0045] 3. In the present invention, the billing model of network services is relatively transparent: the network service distribution network actively sends billing details to users, and users do not need to query to obtain billing details for each communication, and the billing details are sufficiently detailed.

[0046] 4. In the present invention, since the network server requires the user to provide a transaction message signed by the digital currency private key to conduct a transaction, and only the user himself has the digital currency private key, it avoids the situation where multiple people use one account, and effectively proves the identity of the user. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments. 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 any creative work.

[0048] Figure 1 This is a flow chart of a network service billing method according to an embodiment of the present invention;

[0049] Figure 2 This is a basic structural diagram of a network service billing system in an embodiment of the present invention. DETAILED DESCRIPTION

[0050] To further illustrate each embodiment, the present invention provides 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. By referring to these contents, ordinary technicians in this field should be able to understand other possible implementation methods 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.

[0051] According to an embodiment of the present invention, a method and system for charging network services based on digital currency are provided.

[0052] The present invention will now be further described with reference to the accompanying drawings and specific embodiments. Figure 1 As shown, according to one embodiment of the present invention, a network service billing method based on digital currency is provided, which includes the following steps:.

[0053] S1. Key issuance (using commercial banks to issue digital currency to users)

[0054] A commercial bank submits a request to the central bank for digital currency containing a random number. The central bank generates the random number, signs it, and then sends the digital currency back to the commercial bank. This can be sent using QKD encryption or by copying. The data structure of each symmetric key, or digital currency, is shown in the table below. It consists of an ID, a value, a random number, and a signature. The random number is preferably a quantum random number.

[0055] ID Currency Random Numbers sign

[0056] The commercial bank issues digital currencies of various denominations, namely symmetric keys, to user A, and A pays the commercial bank with equivalent digital currencies or physical currencies.

[0057] S2 and A pay for network services (users pay for network services based on digital currency)

[0058] Client A and network server S establish a session using the HTTPS authentication protocol and obtain a session key KA. Protected by the session key KA, S provides network services to A and communicates other messages.

[0059] S charges A based on A's online time, data traffic, or a combination of the two. Each time a billing condition is met, such as a predetermined online time or data traffic, a billing request containing a billing detail MD is sent to A.

[0060] After receiving the billing details MD, A calculates the total fee M based on MD. A randomly selects a digital currency AM with a value equal to M and has not been used, and the current time T, the sender information ID A , Payee information ID S Together they form TX (first combined information), which can be expressed as TX=T||ID A ||ID S ||AM. Use A's private key SK A Sign TX to get TXS=SIGN(TX,SK A )(first signature information), where SIGN(m, sk) indicates that m is signed using the private key sk. TX, TXS, and A's certificate CertA are combined into TXM (second combined information), which can be expressed as TXM = TX||TXS||CertA. A sends TXM to S.

[0061] S verifies the digital certificate, signature, and digital currency, and trusts the transaction after verification.

[0062] S takes out the random number AMK from AM, and uses AMK to calculate the session key KA according to the algorithm FKS(*) to obtain KA′=FKS(KA, AMK), and uses KA′ as the new session key between A and S.

[0063] S stores TXM and then sends a success message to A.

[0064] After receiving the success message, A deletes the digital currency, calculates and stores KA′=FKS(KA, AMK) as the new session key between A and S.

[0065] S3, S exchange digital currency (network server exchanges digital currency to the central bank digital currency system)

[0066] After billing is complete, the network server exchanges the received digital currency. Network service S sends TXM to the central bank. The central bank verifies and records the transaction, generates digital currency worth M, and sends it to S. S verifies and stores the digital currency, completing the transaction. If S does not have a way to communicate with the central bank, it can communicate with the central bank indirectly through the commercial bank where S's digital currency account is located.

[0067] According to another aspect of the present invention, Figure 2 As shown, a digital currency-based network service billing system is provided. The system consists of a central bank digital currency system, a commercial bank digital currency system (in practice, it can be multiple commercial bank digital currency systems), and a user terminal. The user terminal is denoted as A and the network server is denoted as S.

[0068] A has a digital certificate CertA and its private key SK A .

[0069] To sum up, with the help of the above technical solutions of the present invention, in the present invention, the billing model of network services is relatively flexible: billing is based on the actual network service consumption, and billing is performed when the network service is used. For users, the network server will not be idle or even wasted, nor will consumption exceed expectations. In the present invention, the billing model of network services is relatively simple: network services and billing are unified into an independent process and an independent operating system, and the system construction and business logic are relatively simple. The session key of the network service changes continuously after being combined with the random number in the digital currency, making the network service more secure. In the present invention, the billing model of network services is relatively transparent: the network service distribution network actively sends billing details to users, and users do not need to obtain the billing details of each communication through inquiries, and the billing details are sufficiently detailed. In the present invention, since the network server requires the user to provide a transaction message signed by the digital currency private key to conduct a transaction, and only the user himself owns the digital currency private key, the situation of multiple people using one account is avoided, which effectively proves the identity of the user.

[0070] The technical features of the above-mentioned embodiments can be combined arbitrarily. In order to make the description concise, not all possible combinations of the technical features in the above-mentioned 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.

[0071] The above-described embodiments merely illustrate several implementations of the present invention, and while their descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the patent. It should be noted that a person skilled in the art would be able to make numerous variations and improvements without departing from the spirit of the present invention, all of which fall within the scope of protection of the present invention. Therefore, the scope of protection of the patent for this invention shall be determined by the appended claims.

Claims

1. A network service billing method based on digital currency, characterized in that: The method comprises the following steps: S1. Use commercial banks to issue digital currency to users; S2. The user pays for network services based on digital currency; S3. The network server exchanges digital currency with the central bank digital currency system; The issuance of digital currency to the user terminal by a commercial bank in S1 specifically includes the following steps: S11. The commercial bank submits a request to the central bank digital currency system for digital currency containing a random number. The central bank digital currency system generates a random number, signs it, generates digital currency, and sends the digital currency back to the commercial bank. S12. The commercial bank issues digital currency of various values to the user, i.e., symmetric keys, and the user pays the commercial bank with equivalent digital currency or physical currency; In S2, the user terminal pays for network services based on digital currency, which specifically includes the following steps: S21. The network server provides network services to the user terminal; S22. The network server sends the billing details to the user terminal; S23. The user terminal receives the billing details and sends the second combination information to the network server; S24. The network server verifies the user's digital certificate, the first signature information, and the digital currency. If the verification is successful, the transaction is trusted. S25. The network server extracts the random number from the digital currency and uses the random number to calculate the session key to obtain a new session key between the user terminal and the network server; S26. The network server stores the second combination information and sends a success message to the user terminal; S27. After receiving the success message, the user terminal deletes the digital currency and calculates and stores a new session key with the network server; The step S23 in which the user terminal sends the second combination information to the network server specifically includes the following steps: S231. After receiving the billing details, the user terminal calculates the total fee based on the billing details. S232. The user terminal randomly selects a digital currency with a value equal to the total fee and which has not been used, and combines it with the current time, the sender ID, and the payee ID to form a first combination of information; S233: Use the private key of the user terminal to sign the first combination information to obtain first signature information, and combine the first combination information, the first signature information and the certificate of the user terminal into second combination information, and the user terminal sends the second combination information to the network server.

2. A digital currency-based network service billing method according to claim 1, characterized in that: The method of sending the digital currency back to the commercial bank in S11 is encrypted sending or copying based on quantum key distribution.

3. A digital currency-based network service billing method according to claim 1, characterized in that: The digital currency in S11 is composed of ID, currency value, random number and signature, wherein the random number is a quantum random number.

4. A digital currency-based network service billing method according to claim 1, characterized in that: The network server providing network services to the user terminal in S21 specifically includes the following steps: S211: The client and the network server establish a session through the HTTPS authentication protocol and obtain a session key. S212. The network server provides network services to the user terminal under the protection of the session key and communicates other messages.

5. A digital currency-based network service billing method according to claim 4, characterized in that: The network server sending the billing details to the user terminal in S22 specifically includes the following steps: S221. The network server charges the user terminal based on the user terminal's online time, data traffic, or a combination of the two. S222. Each time a billing condition is met, a billing request is sent to the user terminal, which includes billing details.

6. A method for charging network services based on digital currency according to claim 1, characterized in that: The network server in S3 exchanges digital currency with the central bank digital currency system, specifically including the following steps: After the network server completes billing for the user terminal, it exchanges the received digital currency and sends the second combination information to the central bank digital currency system. The central bank digital currency system verifies and records the transaction and generates digital currency with a total cost value. It then sends it to the network server. The network server verifies and stores the digital currency, and the transaction ends.

7. A digital currency-based network service billing method according to claim 6, characterized in that: If the network server in S3 does not have a way to communicate with the central bank digital currency system, it can communicate with the central bank digital currency system indirectly through the commercial bank to which the network server's digital currency account belongs.

8. A digital currency-based network service billing system, used to implement the steps of a digital currency-based network service billing method according to any one of claims 1 to 7, characterized in that: The system includes the central bank digital currency system, the commercial bank digital currency system and the user terminal, which stores digital certificates and user private keys.

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