Digital currency trading system based on community service center

Abstract

The present invention proposes a digital currency transaction system based on a community service center, comprising: a digital currency escrow server, which stores the identity information, payment password, digital currency, and IDs of the payment hardware held by the digital currency escrow user, as well as the IDs of all connected digital currency escrow clients; digital currency escrow clients, which are deployed throughout the community and connected to the community escrow server and internally store a table of IDs of different community service escrow servers within the community; and payment hardware, which is held by the escrow user and internally stores the IDs of the corresponding digital currency escrow servers, which can be read by the digital currency escrow clients. The present invention establishes a small transaction network within the community with the digital currency escrow server as the center, and provides digital currency deposit, escrow, and agency transaction services, providing digital currency users within the community with a secure, reliable, convenient, and fast digital currency transaction channel.

Description

Technical Field

[0001] The present invention relates to the technical field of digital currency transactions, and in particular to a digital currency transaction system based on a community service center. Background Art

[0002] Digital currency is a virtual cryptocurrency generated and issued by the central bank. Its storage medium is usually a digital wallet or similar APP installed on the terminal, or a memory card issued by a trading platform authorized by the central bank.

[0003] Digital currency transactions typically require the holder to bring their digital currency storage medium to a state-authorized trading platform, open an account, deposit the digital currency, and then conduct transactions under the supervision of the trading platform. This trading platform is typically a commercial bank authorized by the central bank, making the entire digital currency transaction process extremely cumbersome. Furthermore, users' smart terminals present numerous security risks, especially those without secure zones. When performing digital currency transactions, these terminals present the risk of theft of user privacy, digital currency, or user keys.

[0004] Virtual currency will be a major trend in the future development of currency, and the number of users of digital currency will increase. At present, in addition to smart terminals with security zones, we still need a convenient and secure way to trade digital currency. Summary of the Invention

[0005] Purpose of the invention: In order to overcome the defects of the prior art, the present invention proposes a digital currency trading system based on a community service center.

[0006] Technical solution: The technical solution proposed by the present invention is as follows:

[0007] A digital currency trading system based on a community service center, comprising:

[0008] The digital currency escrow server is located in the community service center and stores the identity information, payment password, digital currency and payment hardware ID of the digital currency escrow user, as well as the IDs of all connected digital currency escrow clients;

[0009] The digital currency escrow client is deployed throughout the community and connected to the community escrow server. It stores the ID table of different community service escrow servers in the community;

[0010] Payment hardware, held by the escrow user, internally stores the ID of the corresponding digital currency escrow server, which can be read by the digital currency escrow client;

[0011] A confidential communication channel is established between the digital currency escrow client and the community service escrow server, and between the community service escrow server and the commercial bank server authorized by the central bank;

[0012] During the transaction, the escrow user inserts the payment hardware into the payment hardware interface of the digital currency escrow client, or establishes a short-range wireless communication connection between the payment hardware and the digital currency escrow client, and enters the payment password, digital currency amount, and the payment hardware ID of the other transaction party in the digital currency escrow client; the digital currency escrow client reads the community service escrow server ID stored in the payment hardware, and sends the information entered by the escrow user and its own ID to the corresponding community service escrow server; after receiving the information sent by the digital currency escrow client, the community service escrow server takes out the corresponding amount of digital currency stored by the escrow user according to the payment password, and conducts digital currency transactions on behalf of the escrow user with the community service escrow server of the other transaction party, and feedbacks the transaction results to the escrow user.

[0013] Furthermore, the digital currency escrow server is equipped with a hardware security module for storing the identity information, payment password and digital currency of the digital currency escrow user.

[0014] Specifically, the hardware security module is a key board or a cryptographic machine.

[0015] Furthermore, a confidential communication channel is established between the digital currency escrow client and the community service escrow server through an identity authentication mechanism based on a digital certificate.

[0016] Specifically, the digital certificate-based identity authentication mechanism is an HTTPS identity authentication mechanism.

[0017] Furthermore, the digital currency escrow client also has a user interaction interface for displaying feedback information received during the transaction process to the user.

[0018] Furthermore, the digital currency escrow client is also deployed with a user information collection module for collecting user biometric information and ID card information. The collected data is transmitted to the digital currency escrow server, so that the digital currency escrow server can supervise and record transactions and their traders occurring in the entire transaction network, and feed these records back to the commercial bank server authorized by the central bank.

[0019] Beneficial effects: Compared with the prior art, the present invention has the following advantages:

[0020] This invention establishes a digital currency trading system based on a community service center, fostering an ecological environment for digital currency transactions. In this system, a small community-wide trading network is established with a digital currency escrow server at its core, providing digital currency deposit, escrow, and proxy trading services. This provides digital currency users within the community with a secure, reliable, convenient, and fast digital currency trading channel. Furthermore, the digital currency escrow server monitors and records transactions and their participants across the entire trading network, and transmits these records back to a commercial bank server authorized by the central bank, enhancing security. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] Figure 1 Schematic diagram of the structure of an embodiment of the present invention. DETAILED DESCRIPTION

[0022] The present invention will be further described below with reference to the accompanying drawings and specific embodiments. However, it should be understood that the present invention may be implemented in various forms, and the following exemplary and non-limiting embodiments shown in the drawings and described below are not intended to limit the present invention to the specific embodiments described.

[0023] It should be understood that, where technically feasible, the technical features listed above for different embodiments may be combined with each other to form additional embodiments within the scope of the present invention. In addition, the specific examples and embodiments described in the present invention are non-limiting, and the structures, steps, and sequences described above may be modified accordingly without departing from the scope of protection of the present invention.

[0024] In this patent, community users who conduct digital currency transactions through the digital currency escrow server of the community service center are referred to as escrow users.

[0025] In order to achieve the purpose of the present invention, a Figure 1 The digital currency trading system based on the community service center shown includes:

[0026] The digital currency escrow server is located in the community service center and stores the identity information, payment password, digital currency and payment hardware ID of the digital currency escrow user, as well as the IDs of all connected digital currency escrow clients;

[0027] The digital currency escrow client is deployed throughout the community and connected to the community escrow server. It stores the ID table of different community service escrow servers in the community;

[0028] Payment hardware, held by the escrow user, internally stores the ID of the corresponding digital currency escrow server, which can be read by the digital currency escrow client;

[0029] A confidential communication channel is established between the digital currency escrow client and the community service escrow server, and between the community service escrow server and the commercial bank server authorized by the central bank;

[0030] During the transaction, the escrow user inserts the payment hardware into the payment hardware interface of the digital currency escrow client, or establishes a short-range wireless communication connection between the payment hardware and the digital currency escrow client, and enters the payment password, digital currency amount, and the payment hardware ID of the other transaction party in the digital currency escrow client; the digital currency escrow client reads the community service escrow server ID stored in the payment hardware, and sends the information entered by the escrow user and its own ID to the corresponding community service escrow server; after receiving the information sent by the digital currency escrow client, the community service escrow server takes out the corresponding amount of digital currency stored by the escrow user according to the payment password, and conducts digital currency transactions on behalf of the escrow user with the community service escrow server of the other transaction party, and feedbacks the transaction results to the escrow user.

[0031] In this invention, escrow users must first register their digital currency escrow services at a community service center, register various personal information, and deposit their digital currency into the digital currency escrow server S. S is equipped with a hardware security module (HSM), such as a key card or cryptographic machine. All users' payment passwords (P) and S's digital certificate private keys (SK) are securely stored in the HSM.

[0032] S issues a key card or IC card to the user as payment hardware for the transaction. This payment hardware can be a bracelet, watch, badge, ring, earrings, glasses, hairpin, necklace, brooch, badge, tie clip, belt, shoes, headphones, wristband, elbow pads, knee pads, hat, headband, cape, vest, cane, backpack, handbag, etc. The payment hardware stores the ID of the corresponding digital currency escrow server S.

[0033] The preferred form of the digital currency escrow client C is a POS machine, ATM, or similar device, though its actual functionality differs from existing POS and ATM devices. The digital currency escrow client C has an interface for connecting to a key fob or IC card, including wired communication capabilities such as a plug-in interface and near-field wireless communication (NFC, infrared, Bluetooth, etc.). It also has a digital wallet app installed and is capable of communicating with S. Specifically, C only provides the user with the app and network communication functions; all transaction-related cryptographic calculations are performed within the user's payment hardware. The digital currency escrow client also includes a user information collection module for collecting user biometric information and ID card information. This collected data is then transmitted to the digital currency escrow server, enabling it to monitor and record transactions and their participants across the entire transaction network and to transmit these records to a commercial bank server authorized by the central bank. C, as a mobile or immovable public infrastructure device, is distributed throughout the community and, together with the corresponding digital currency escrow server S, forms a small digital currency transaction network.

[0034] The working principle of the system is described below through a specific embodiment. The digital currency escrow servers and clients corresponding to the escrow user payee are TS / RS and TC / RC, respectively. The commercial bank servers corresponding to TS / RS are TBS / RBS, respectively.

[0035] TBS / RBS authenticates with the central bank: obtains the central bank certificate, performs HTTPS authentication with both digital certificates, and forms a session key;

[0036] TS / RS and TBS / RBS perform identity authentication: the principle is the same as above.

[0037] Example: Host user T pays host user R

[0038] Before the transaction, T (through TC) and TS perform HTTPS identity authentication to form an encrypted communication channel; R (through RC) and RS perform HTTPS identity authentication to form an encrypted communication channel.

[0039] The specific process of the transaction is as follows:

[0040] 1. T obtains R's payment hardware ID, recorded as RN, confirms the amount, and requests the user to enter the payment password. TC receives the user's input and forms a message TXT||TXm||TP. The content of TXm is, for example, "Send xxx yuan to 13912345678", TXT is the timestamp, and TP is the payment password entered by user T.

[0041] TC calculates MAC(TXT||TXm,TP) and then sends TXT||TXm||MAC(TXT||TXm,TP) to TS.

[0042] The TS transmits TXT||TXm||MAC(TXT||TXm,TP) to its own HSM for verification. Once verification is successful, the HSM notifies the TS. The TS uses the payment password to retrieve the sender's identity information from its local personal information database, generates a transaction TXraw, and inputs it into the HSM. The TXraw includes transaction information such as the transaction time TXT, sender identity information, RN, and digital currency. The HSM signs the TXraw with SKT to generate a SIGT, which it then outputs to the TS.

[0043] 2. TS obtains the certificate of RS to which R belongs based on the public information, encrypts TXraw||SIGT with the random number RND, encrypts RND with RS's public key, and sends the two ciphertexts together to RS.

[0044] 3. RS decrypts the message and obtains the recipient information from the local personal information database based on RN to form the transaction content TX. TX includes: transaction time TXT, sender information, recipient information, digital currency and other transaction information.

[0045] RS's HSM signs TX with SKR to obtain SIGR, and outputs it to RS. RS sends TX||SIGR to RBS for verification.

[0046] 4. After RBS passes verification, it sends TX to the People's Bank of China; after the People's Bank of China passes verification, it sends the transaction result TXMraw (including all the contents of TX and the certification conclusion of the central bank) to TBS and RBS; after TBS and RBS pass verification, they send the transaction results to TS and RS respectively.

[0047] 5. TS verifies the transaction results and confirms the deletion of the local digital currency stored in TXraw after verification;

[0048] TS encrypts TXMraw and sends it to T; T decrypts TXMraw and sends it to TC; the content of TXMraw is displayed on the display interface of TC.

[0049] RS verifies the transaction results and confirms the receipt of the digital currency in TX after verification.

[0050] RS sends the transaction completion information TXM to RC, and RC displays the transaction completion information to R.

[0051] 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.

[0052] 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. The digital currency trading system based on the community service center is characterized by: include: The digital currency escrow server is located in the community service center and stores the identity information, payment password, digital currency and payment hardware ID of the digital currency escrow user, as well as the IDs of all connected digital currency escrow clients; The digital currency escrow client is deployed throughout the community and connected to the community escrow server. It stores the ID table of different community service escrow servers in the community; Payment hardware, held by the escrow user, internally stores the ID of the corresponding digital currency escrow server, which can be read by the digital currency escrow client; A confidential communication channel is established between the digital currency escrow client and the community service escrow server, and between the community service escrow server and the commercial bank server authorized by the central bank; During the transaction, the escrow user inserts the payment hardware into the payment hardware interface of the digital currency escrow client, or establishes a short-range wireless communication connection between the payment hardware and the digital currency escrow client, and enters the payment password, digital currency amount, and the payment hardware ID of the other transaction party in the digital currency escrow client; the digital currency escrow client reads the community service escrow server ID stored in the payment hardware, and sends the information entered by the escrow user and its own ID to the corresponding community service escrow server; after receiving the information sent by the digital currency escrow client, the community service escrow server takes out the corresponding amount of digital currency stored by the escrow user according to the payment password, and conducts digital currency transactions on behalf of the escrow user with the community service escrow server of the other transaction party, and feedbacks the transaction results to the escrow user.

2. The digital currency trading system based on the community service center according to claim 1 is characterized in that: The digital currency escrow server is equipped with a hardware security module for storing the identity information, payment password and digital currency of the digital currency escrow user.

3. The digital currency trading system based on the community service center according to claim 2 is characterized in that: The hardware security module is a key board or a cipher machine.

4. The digital currency trading system based on the community service center according to claim 1 is characterized in that: A confidential communication channel is established between the digital currency escrow client and the community service escrow server through an identity authentication mechanism based on a digital certificate.

5. The digital currency trading system based on the community service center according to claim 4 is characterized in that: The digital certificate-based authentication mechanism is the HTTPS authentication mechanism.

6. The digital currency trading system based on the community service center according to claim 1 is characterized in that: The digital currency escrow client also has a user interaction interface for displaying feedback information received during the transaction process to the user.

7. The digital currency trading system based on the community service center according to claim 6 is characterized in that: The digital currency escrow client is also equipped with a user information collection module for collecting user biometric information and ID card information. The collected data is transmitted to the digital currency escrow server, so that the digital currency escrow server can supervise and record transactions and traders occurring in the entire transaction network, and feed these records back to the commercial bank server authorized by the central bank.

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