Method for using a detachable digital currency wallet and digital currency wallet

Abstract

The present invention discloses a method for using a detachable digital currency wallet and a digital currency wallet. The method includes the following steps: S1. Using a commercial bank to issue digital currency to a receiving digital currency wallet of the detachable digital currency wallet; S2. Implementing a digital currency transaction between the sending digital currency wallet and a user terminal through a currency transaction method. Beneficial effect: The receiving and sending functions of the digital currency wallet of the present invention are detachable. After the detachment, the sending digital currency wallet and the receiving digital currency wallet can be used separately and held and operated by different users. Since the sending digital currency wallet does not have the ability to receive payments, it does not have the ability to connect to the Internet. The operation is simple, the cost is low, and the hardware loss after loss is not large. While improving the security of digital currency use, the present invention can meet the scenario where large digital currency accounts such as companies and families are used simultaneously by multiple members.

Description

Technical Field

[0001] The present invention relates to the field of confidential communications, and in particular to a method for using a detachable digital currency wallet and a digital currency wallet. 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] Problems with existing technologies:

[0005] 1. Existing digital currency wallets often combine both the receiving and sending functions. While capable of receiving payments, the payment process requires online verification with the bank, requiring internet access, which is relatively expensive and can lead to significant hardware loss if lost. Furthermore, the wallet is complex to operate, making it unsuitable for the elderly or children. In theory, all digital currency amounts can be spent directly, which lacks security. Summary of the Invention

[0006] In response to the problems in the related art, the present invention proposes a method for using a detachable digital currency wallet and a digital currency wallet to overcome the above-mentioned technical problems existing in the existing related art.

[0007] To this end, the specific technical solutions adopted in the present invention are as follows:

[0008] According to one aspect of the present invention, a method for using a detachable digital currency wallet is provided, the method comprising the following steps:

[0009] S1. Using a commercial bank to issue digital currency to a receiving digital currency wallet of a detachable digital currency wallet;

[0010] S2. Implement digital currency transactions between the issuing digital currency wallet and the user terminal through currency transaction methods.

[0011] Furthermore, the issuance of digital currency by a commercial bank to a receiving digital currency wallet of a detachable digital currency wallet in S1 specifically includes the following steps:

[0012] S11. The commercial bank submits a request for digital currency to the central bank. The central bank generates and signs the digital currency and sends it back to the commercial bank.

[0013] S12. The first commercial bank corresponding to the detachable digital currency wallet issues digital currencies of various denominations to the receiving digital currency wallet of the detachable digital currency wallet using a currency issuance method. At the same time, the detachable digital currency wallet pays the commercial bank with equivalent online banking currency or physical currency.

[0014] Furthermore, the use of a commercial bank to issue digital currency to the receiving digital currency wallet of the detachable digital currency wallet in S1 also includes the following steps: when the sending digital currency wallet needs to be used, the sending digital currency wallet recharges the digital currency at the matching receiving digital currency wallet, wherein the sending digital currency wallet and the matching receiving digital currency wallet store each other's ID and authentication key, and identity authentication is required before recharging the digital currency.

[0015] Furthermore, the digital currency transaction between the issuing digital currency wallet and the user terminal through the currency transaction method in S2 includes the following steps:

[0016] S21. The digital currency wallet for issuing funds sends information containing the transaction and its digital signature to the user terminal, which is then forwarded to the second commercial bank corresponding to the user terminal via the user terminal.

[0017] S22. The second commercial bank sends the transaction description, the received transaction, the digital signature, and the second commercial bank's signature to the first commercial bank corresponding to the issuing digital currency wallet based on the first commercial bank's ID.

[0018] S23. The first commercial bank generates combined information and forwards it to the central bank, which records it and sends the message containing the digital currency to the second commercial bank.

[0019] S24. The second commercial bank receives the message containing the digital currency, verifies the message and the digital currency, and forwards it to the user terminal. After verification, the user terminal stores the digital currency as its own digital currency and sends a successful transaction message to the issuing digital currency wallet.

[0020] S25. The sending digital currency wallet receives the transaction success message and verifies it. After the verification is passed, the digital currency is deleted and the transaction is completed.

[0021] Furthermore, the digital currency wallet sending the transaction information and its digital signature to the user terminal in S21, and forwarding the transaction information to the second commercial bank corresponding to the user terminal through the user terminal, specifically includes the following steps:

[0022] The issuing digital currency wallet obtains the ID of the user terminal and performs identity authentication. After the verification is passed, the current time, the ID of the first commercial bank, the ID of the issuing digital currency wallet, the payee ID and the digital currency are combined to obtain the transaction, and the private key of the issuing digital currency wallet is used to calculate the transaction to obtain a digital signature. At the same time, the information with the transaction and digital signature is sent to the user terminal, and the user terminal forwards it to the corresponding second commercial bank.

[0023] Furthermore, the method for the digital currency wallet to authenticate the user's ID can be based on digital certificate and digital signature verification, or based on ID cryptography and digital signature verification.

[0024] Furthermore, in S23, the first commercial bank generates combined information and forwards it to the central bank, which records it, and sends the message containing the digital currency to the second commercial bank, which specifically includes the following steps:

[0025] S231. The first commercial bank verifies the signature of the second commercial bank using its public key, and locates the receiving digital currency wallet corresponding to the sending digital currency wallet based on the ID of the sending digital currency wallet. The first commercial bank also verifies whether the receiving digital currency wallet has completed identity authentication and logged in with the first commercial bank. If not, the process ends; otherwise, the process continues.

[0026] S232. Verify the digital signature using the public key of the sending digital currency wallet. If the verification is successful, the identity of the sending digital currency wallet of the message sender is trusted.

[0027] S233. The first commercial bank signs the digital currency transaction result, combines the transaction, transaction result, and signature of the transaction result to obtain combined information, and sends it to the receiving digital currency wallet;

[0028] S234: The receiving digital currency wallet receives and confirms the message. If the transaction is approved, a confirmation message is sent to the first commercial bank. Otherwise, the process ends.

[0029] S235. The first commercial bank receives a message from the receiving digital currency wallet approving the transaction, and sends the combined information to the central bank.

[0030] S236. The central bank receives the combined information, records the change in ownership of the digital currency after the transaction is successful, and sends a confirmation message to the first commercial bank. The first commercial bank records the transaction information and sends a message with the digital currency to the second commercial bank.

[0031] Furthermore, the receiving digital currency wallet can be set to automatically approve all transactions or automatically approve transactions less than a preset amount, or it can be manually controlled to choose whether to approve the transaction.

[0032] According to another aspect of the present invention, a detachable digital currency wallet is provided, which includes a sending digital currency wallet and a receiving digital currency wallet. The sending digital currency wallet can perform short-range communication with the receiving digital currency wallet or other ordinary digital currency wallets through a short-range communication module. The sending digital currency wallet and the receiving digital currency wallet are both separate hardware of the detachable digital currency wallet and are deployed with the same private key, wherein the sending digital currency wallet only supports the payment function in digital currency transfer, and the receiving digital currency wallet only supports the receiving function in digital currency service.

[0033] Furthermore, the sending digital currency wallet and the receiving digital currency wallet are both supporting products, and one receiving digital currency wallet corresponds to one or more sending digital currency wallets. The sending digital currency wallet only supports the matching receiving digital currency wallet to recharge digital currency.

[0034] The present invention has the following beneficial effects: the digital currency wallet of the present invention has separate functions for receiving and sending money. After separation, the sending and receiving digital currency wallets can be used separately and held and operated by different users. For example, the sending digital currency wallet can be held and operated by an employee on a business trip, while the receiving digital currency wallet can be held and operated by the head of the finance department; or the sending digital currency wallet can be held and operated by multiple family members, while the receiving digital currency wallet can be held and operated by the head of the family. Because the sending digital currency wallet does not have the ability to receive money and therefore lacks internet connectivity, it is simple to operate, low-cost, and does not incur significant hardware loss if lost. Only the digital currency in the sending digital currency wallet can be directly spent, while the remaining digital currency can be securely stored in the receiving digital currency wallet. For example, if the receiving digital currency wallet is always kept in a secure area or is always under the control of the head of the family, digital currency consumption can be controlled and digital currency security is improved. In short, the present invention improves the security of digital currency use while meeting the needs of scenarios where large digital currency accounts, such as those of companies and families, are used simultaneously by multiple members. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] 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.

[0036] Figure 1 is a flow chart of a method for using a detachable digital currency wallet according to an embodiment of the present invention;

[0037] Figure 2 2. It is a schematic diagram of the transaction principle of a method for using a detachable digital currency wallet according to an embodiment of the present invention. DETAILED DESCRIPTION

[0038] 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.

[0039] According to an embodiment of the present invention, a method for using a detachable digital currency wallet and a digital currency wallet are provided.

[0040] The present invention will now be further described with reference to specific embodiments. According to one embodiment of the present invention, a method for using a detachable digital currency wallet is provided. This method, when used, needs to be implemented based on a digital currency system. The digital currency system consists of a central bank digital currency system, a commercial bank digital currency system (which may, in practice, be multiple commercial bank digital currency systems), and a user terminal. The central bank digital currency system is denoted as S, and the commercial bank digital currency systems are denoted as SA and SB, corresponding to user terminals A and B, respectively. Hereinafter, user terminal A is the sending digital currency wallet in a detachable digital currency wallet, hereinafter referred to as user terminal A. User terminal B is another ordinary digital currency wallet or a receiving digital currency wallet in another detachable digital currency wallet, hereinafter referred to as user terminal B.

[0041] Specifically, such as Figure 1-2 As shown, the method includes the following steps:

[0042] S1. Key issuance (using commercial banks to issue digital currency to the receiving digital currency wallet of the detachable digital currency wallet);

[0043] Wherein, said S1 comprises the following steps:

[0044] A commercial bank submits a request for digital currency to the central bank. The central bank generates and signs the digital currency and then sends it back to the commercial bank. This can be done via a dedicated network, encrypted, or copied.

[0045] When issuing digital currency to a detachable digital currency wallet, the commercial bank's SA issues digital currency of various denominations to the receiving digital currency wallet of the detachable digital currency wallet. The detachable digital currency wallet is required to pay the commercial bank the equivalent amount in online banking currency or physical currency. When the issuing digital currency wallet is needed, the issuing digital currency wallet tops up digital currency with the corresponding receiving digital currency wallet. The issuing digital currency wallet and the corresponding receiving digital currency wallet store each other's ID and authentication key, and identity authentication is required before digital currency top-up.

[0046] S2. Transaction process (realizing digital currency transactions between the issuing digital currency wallet and the user terminal through a currency transaction method);

[0047] Take the detachable digital currency wallet as the sending digital currency wallet as the user end A, and initiate a transaction to the user end B as an example. The process is as follows: Figure 2 As shown, client A and client B are communicating in close proximity. Client A, the sending digital currency wallet, corresponds to the receiving digital currency wallet, denoted as AM. AM's receiving transactions for ordinary digital currency transactions follow the same process as regular digital currency wallets.

[0048] Wherein, the S2 comprises the following steps:

[0049] S21. A initiates a transaction (the issuing digital currency wallet sends information containing the transaction and its digital signature to the user terminal, which is then forwarded to the second commercial bank corresponding to the user terminal via the user terminal);

[0050] Specifically, client A obtains the ID of client B and verifies its identity. The verification method can be based on digital certificate and digital signature, or based on ID cryptography and digital signature. After the identity verification is passed, the current time T, ID SA 、ID A , Payee ID B And the digital currency combination gets the transaction TX, using the private key SK A Calculate the digital signature TXS=SIGN(TX,SK A ), where SIGN(m, sk) is the signature of message m using private key sk, the same below. TX||TXS is sent to user B via NFC, and B forwards it to commercial bank SB (the second commercial bank).

[0051] S22. SB forwards to SA (the second commercial bank sends the transaction description, received transaction, digital signature, and the second commercial bank's signature to the first commercial bank corresponding to the issuing digital currency wallet according to the first commercial bank's ID);

[0052] Specifically, SB will write the transaction description TXINFO, the received TX||TXS and SB's signature SIG SB =SIGN(TXINFO||TX||TXS,SK SB )According to ID SA Sent to Commercial Bank SA (First Commercial Bank).

[0053] S23, SA is forwarded to the central bank and recorded by the central bank (the first commercial bank generates combined information and forwards it to the central bank, which records it and sends the message with digital currency to the second commercial bank);

[0054] Specifically, SA uses SB's public key to SIG SB Verify based on ID A Find the receiving digital currency wallet AM corresponding to A and confirm whether it has authenticated with SA and logged in. If not, the process ends, otherwise continue. Use A's public key PK A Verify TXS and trust the identity of the message sender A after verification. SA records the digital currency transaction result as RET, which contains result information such as success or failure, and signs it to obtain SIGSA , set TX||RET||SIG SA (Combined information) is sent to AM. After AM confirms the message, if it approves the transaction, it will send a confirmation message to SA, otherwise the process ends; AM can be set to automatically approve all transactions, automatically approve transactions less than a certain amount, thereby increasing the speed of approving the transaction, or it can be manually controlled to choose whether to approve the transaction. After SA receives the message that AM approves the transaction, it will send TX||RET||SIG SA Sent to the central bank S.

[0055] S receives TX||RET||SIG SA After that, the ownership change of digital currency after the transaction is successful is recorded, and a confirmation message is sent to SA. SA records the transaction information and sends a message with digital currency to SB.

[0056] S24. B stores digital currency;

[0057] Specifically, after receiving a message containing digital currency, SB verifies the message and digital currency and forwards it to B. After B passes the verification, he stores the digital currency as his own digital currency. Then, B notifies A of the successful transaction.

[0058] S25, A deletes digital currency;

[0059] Specifically, after A receives the message of successful transaction, he verifies the message. After the verification is passed, the digital currency is deleted and the transaction is completed.

[0060] According to another aspect of the present invention, a detachable digital currency wallet is provided, comprising a sending digital currency wallet and a receiving digital currency wallet. The sending digital currency wallet is in a form similar to an IC card (smart card) or UKEY, and supports only the payment function of digital currency transfers. The sending digital currency wallet can communicate with the receiving digital currency wallet or other common digital currency wallets via a short-range communication module; the receiving digital currency wallet supports only the receiving function of the digital currency service.

[0061] The sending digital currency wallet and the receiving digital currency wallet are supporting products. One receiving digital currency wallet corresponds to one or more sending digital currency wallets. The sending digital currency wallet only supports the matching receiving digital currency wallet to recharge digital currency. The receiving digital currency wallet can be held by the company's finance department, and the sending digital currency wallet can be held by the company's business trip personnel; or the sending digital currency wallet can be held and operated by multiple family members, and the receiving digital currency wallet can be held and operated by the head of the family. As separate hardware of the detachable digital currency wallet, the sending digital currency wallet and the receiving digital currency wallet are both deployed with the same private key, that is, the company's or family's private key, denoted as SKA .

[0062] In summary, thanks to the above-mentioned technical solutions of the present invention, the digital currency wallet of the present invention has separate functions for receiving and sending money. After separation, the sending and receiving digital currency wallets can be used separately and held and operated by different users. For example, the sending digital currency wallet can be held and operated by an employee on a business trip, while the receiving digital currency wallet is held and operated by the head of the finance department; or the sending digital currency wallet can be held and operated by multiple family members, while the receiving digital currency wallet is held and operated by the head of the family. Because the sending digital currency wallet does not have the ability to receive money and therefore lacks internet connectivity, it is simple to operate, low-cost, and does not incur significant hardware loss if lost. Only the digital currency in the sending digital currency wallet can be directly spent, while the remaining digital currency can be securely stored in the receiving digital currency wallet. For example, if the receiving digital currency wallet is always kept in a secure area or is always under the control of the head of the family, the consumption of digital currency can be controlled, and the security of digital currency is improved. In short, while improving the security of digital currency use, the present invention can also meet the needs of scenarios where large digital currency accounts, such as those of companies and families, are used simultaneously by multiple members.

[0063] 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.

[0064] 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 method for using a detachable digital currency wallet, characterized in that: The method comprises the following steps: S1. Use a commercial bank to issue digital currency to the receiving digital currency wallet of the detachable digital currency wallet; the receiving currency digital wallet only supports the receiving function of the digital currency service; S2. Digital currency transactions are carried out between the issuing digital currency wallet and the user terminal through a currency transaction method; the issuing digital currency wallet does not have the ability to connect to the Internet and only supports the payment function of the digital currency service; the issuing digital currency wallet and the receiving digital currency wallet can be held and operated by different users; The S2 includes: S21. The digital currency wallet for issuing funds sends information containing the transaction and its digital signature to the user terminal, which is then forwarded to the second commercial bank corresponding to the user terminal via the user terminal. S22. The second commercial bank sends the transaction description, the received transaction, the digital signature, and the second commercial bank's signature to the first commercial bank corresponding to the issuing digital currency wallet based on the first commercial bank's ID. S23. The first commercial bank generates combined information and forwards it to the central bank, which records it and sends the message containing the digital currency to the second commercial bank. S24. The second commercial bank receives the message containing the digital currency, verifies the message and the digital currency, and forwards it to the user terminal. After verification, the user terminal stores the digital currency as its own digital currency and sends a successful transaction message to the issuing digital currency wallet. S25. The sending digital currency wallet receives the transaction success message and verifies it. After the verification is passed, the digital currency is deleted and the transaction is completed.

2. The method for using a detachable digital currency wallet according to claim 1, characterized in that: The issuance of digital currency by a commercial bank to a receiving digital currency wallet of a detachable digital currency wallet in S1 specifically includes the following steps: S11. The commercial bank submits a request for digital currency to the central bank. The central bank generates and signs the digital currency and sends it back to the commercial bank. S12. The first commercial bank corresponding to the detachable digital currency wallet issues digital currencies of various denominations to the receiving digital currency wallet of the detachable digital currency wallet using a currency issuance method. At the same time, the detachable digital currency wallet pays the commercial bank with equivalent online banking currency or physical currency.

3. The method for using a detachable digital currency wallet according to claim 2, characterized in that: The use of a commercial bank to issue digital currency to the receiving digital currency wallet of the detachable digital currency wallet in S1 also includes the following steps: when the sending digital currency wallet needs to be used, the sending digital currency wallet recharges the digital currency at the matching receiving digital currency wallet, wherein the sending digital currency wallet and the matching receiving digital currency wallet store each other's ID and authentication key, and identity authentication is required before recharging the digital currency.

4. The method for using a detachable digital currency wallet according to claim 3, characterized in that: The sending digital currency wallet in S21 sends the information containing the transaction and its digital signature to the user terminal, and forwards it to the second commercial bank corresponding to the user terminal through the user terminal, which specifically includes the following steps: The issuing digital currency wallet obtains the ID of the user terminal and performs identity authentication. After the verification is passed, the current time, the ID of the first commercial bank, the ID of the issuing digital currency wallet, the payee ID and the digital currency are combined to obtain the transaction, and the private key of the issuing digital currency wallet is used to calculate the transaction to obtain a digital signature. At the same time, the information with the transaction and digital signature is sent to the user terminal, and the user terminal forwards it to the corresponding second commercial bank.

5. The method for using a detachable digital currency wallet according to claim 4, characterized in that: The method for the digital currency wallet to authenticate the user's ID is based on digital certificate and digital signature verification or based on ID cryptography and digital signature verification.

6. The method for using a detachable digital currency wallet according to claim 5, characterized in that: In S23, the first commercial bank generates combined information and forwards it to the central bank, which records it. At the same time, the message containing the digital currency is sent to the second commercial bank, which specifically includes the following steps: S231. The first commercial bank verifies the signature of the second commercial bank using its public key, and locates the receiving digital currency wallet corresponding to the sending digital currency wallet based on the ID of the sending digital currency wallet. The first commercial bank also verifies whether the receiving digital currency wallet has completed identity authentication and logged in with the first commercial bank. If not, the process ends; otherwise, the process continues. S232. Verify the digital signature using the public key of the sending digital currency wallet. If the verification is successful, the identity of the sending digital currency wallet of the message sender is trusted. S233. The first commercial bank signs the digital currency transaction result, combines the transaction, transaction result, and the signature of the transaction result to obtain combined information, and sends it to the receiving digital currency wallet; S234: The receiving digital currency wallet receives and confirms the message. If the transaction is approved, a confirmation message is sent to the first commercial bank. Otherwise, the process ends. S235. The first commercial bank receives a message from the receiving digital currency wallet approving the transaction, and sends the combined information to the central bank. S236. The central bank receives the combined information, records the change in ownership of the digital currency after the transaction is successful, and sends a confirmation message to the first commercial bank. The first commercial bank records the transaction information and sends a message with the digital currency to the second commercial bank.

7. The method for using a detachable digital currency wallet according to claim 6, characterized in that: The receiving digital currency wallet is configured to automatically approve all transactions or automatically approve transactions less than a preset amount or to manually control the selection of whether to approve the transaction.

8. A detachable digital currency wallet, used to implement the steps of the method for using the detachable digital currency wallet according to any one of claims 1 to 7, characterized in that: The wallet includes a sending digital currency wallet and a receiving digital currency wallet. The sending digital currency wallet communicates with the receiving digital currency wallet or other ordinary digital currency wallets through a short-range communication module. The sending digital currency wallet and the receiving digital currency wallet are both separate hardware of detachable digital currency wallets and are deployed with the same private key. Among them, the sending digital currency wallet only supports the payment function in digital currency transfer, and the receiving digital currency wallet only supports the receiving function in digital currency service.

9. A detachable digital currency wallet according to claim 8, characterized in that: The sending digital currency wallet and the receiving digital currency wallet are both supporting products, and one receiving digital currency wallet corresponds to one or more sending digital currency wallets. The sending digital currency wallet only supports the matching receiving digital currency wallet to recharge digital currency.

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