Digital currency exchange method, digital currency payment method and digital currency systems

一种数字货币、银行的技术，应用在兑换和支付数字货币,数字货币系统领域，能够解决不可伪造性、限制数字货币广泛使用和流通、无法直接进行支付等问题，达到实现安全和统一管理、灵活方便交易支付、灵活方便在线支付的效果

Active Publication Date: 2017-10-03
THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0010] 2. Non-repeatable spending: digital currency can only be used once, and repeated spending can be easily checked;
[0011] 3. Controllable anonymity: Banks and merchants cannot track the use of digital currency even if they collude with each other. It is required that the system cannot link the purchase behavior of users of electronic cash together, thereby concealing the purchase history of digital currency users. However, the issuer of digital currency Use of digital currency can be tracked;
[0012] 4. Unforgeability: Users cannot forge fake digital currency;
However, the use of digital currency at this stage usually uses bank cards (magnetic cards, smart cards) as the media, which greatly limits the widespread use and circulation of digital currency
However, when using user terminals to conduct digital currency transactions, such as: using mobile phones and other mobile terminals to perform digital currency online payment operations, etc., if there is no digital currency that just matches the transaction amount in the terminal device, such as: user 1 and user 2 When the transaction amount is 80 yuan, and the digital currency amount of user 1 is 100 yuan, then the payment cannot be made directly

Method used

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Examples

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Embodiment Construction

[0043] Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

[0044] In the embodiment of the present invention, the design scheme of digital currency based on cryptographic mathematics (hereinafter referred to as D-RMB) is described, and the main operation mode is that the central bank and commercial banks build the D-RMB system hierarchically. The central bank here is the issuer of the currency, such as the People's Bank of China. ...

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PUM

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Abstract

The invention provides a digital currency exchange method, a digital currency payment method and digital currency systems, and aims at enhancing the operation experience of digital currency users and carrying out online payment flexibly and conveniently. The digital currency exchange method comprises the following steps of: selecting a to-be-exchanged digital currency with an amount appointed by a change exchange instruction by a user terminal according to the change exchange instruction, and sending a first request to a commercial bank digital currency system; exchanging the to-be-exchanged digital currency into a change digital currency by the commercial bank digital currency system according to the first request, and sending a second request to a central bank digital currency system; executing an operation of a preset project by the central bank digital currency system according to the second request, and returning an operation success instruction to the commercial bank digital currency system; and sending the change digital currency to the user terminal by the commercial bank digital currency. Moreover, the invention discloses a method for carrying out payment by using the exchanged digital currency.

Description

technical field [0001] The invention relates to the technical field of computer network and computer software, in particular to a method for exchanging and paying digital currency and a digital currency system. Background technique [0002] Digital currency is a currency that converts cash values ​​into a series of electronically encrypted serial numbers. The security of the currency itself depends on cryptographic algorithms for protection. In terms of cryptographic algorithms, the security of digital currency systems involves symmetric ciphers, asymmetric ciphers, message digest algorithms, and identity-based cryptographic systems. In terms of system implementation, the overall security of cryptographic systems, the selection of cryptographic algorithms, and cryptographic algorithms must be deeply considered. The implementation of algorithms, the design of interactive protocols, the compatibility of international and domestic standards, etc., ensure the security of digital...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/36
CPCG06Q20/3678
Inventor 姚前李会锋温信祥李连三王栋兵刘浩赵欣唐晓雪刘文舒
Owner THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST
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