CN107230053A - Use the method and system of cash redemption digital cash - Google Patents

Use the method and system of cash redemption digital cash Download PDF

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Publication number
CN107230053A
CN107230053A CN201610178661.2A CN201610178661A CN107230053A CN 107230053 A CN107230053 A CN 107230053A CN 201610178661 A CN201610178661 A CN 201610178661A CN 107230053 A CN107230053 A CN 107230053A
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digital
bank
cash
digital cash
business
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CN107230053B (en
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
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Digital Currency Institute of the Peoples Bank of China
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Institute of Printing Science and Technology Peoples Bank of China
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

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  • Accounting & Taxation (AREA)
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  • General Business, Economics & Management (AREA)
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  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
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  • Computer Security & Cryptography (AREA)
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Abstract

The present invention provides a kind of method and system of use cash redemption digital cash, can flexibly and easily obtain digital cash, meet the demand that different levels crowd obtains to digital cash.This method includes：First request is sent to business bank's digital coin systems by business bank's site system, and the first request includes user terminal identification；Business bank's digital coin systems extract digital cash according to the specified amount of money of the first request from the account of business bank；And the second request is sent to Central Bank's digital coin systems；Central Bank's digital coin systems receive second and asked, and the operation of preset term is performed according to the second request and successfully indicates operation to return to business bank's digital coin systems, the operation that owner's change is carried out to the digital cash that business bank's digital coin systems are extracted is included in the operation of preset term；Business bank's digital coin systems are received after the successful instruction of operation, and the digital cash extracted is sent into user terminal.

Description

Use the method and system of cash redemption digital cash
Technical field
The present invention relates to computer network and computer software technical field, particularly one Plant the method and system using cash redemption digital cash.
Background technology
Digital cash is a series of currency that cash value is converted to Electronic Coding sequence numbers, coin The security of itself is protected dependent on cryptographic algorithm.In terms of cryptographic algorithm, digital cash system System security is related to symmetric cryptography, asymmetric cryptography, message digest algorithm and identity-based Cipher system, must deeply consider the overall security, close of cryptographic system in terms of system realization The code selection of algorithm, the realization of cryptographic algorithm, the designing of interaction protocol, international, domestic standard Compatibility etc., it is ensured that the transaction security of digital cash.
Popularized with the development of mobile Internet, mobile payment industry is quickly changed propulsion, is based on The business model of all kinds of technologies such as mobile Internet, NFC, HCE, Token, bio-identification is not Disconnected innovation, application scenarios, which are constantly expanded, to be enriched, and business integrative development accelerates on line, under line. While mobile payment new technology provides the user diversification convenient payment services, also lead logical The industry transition and upgrade such as letter, finance, internet develops.Mobile payment broad based growth prospect into For the extensive common recognition of full industry, mobile payment is considered as the on-line off-line important entry of connection. The transaction system of digital cash should carry out business model design by core of mobile payment.
Under mobile payment service pattern, the key storage carrier of digital cash can be by hardware SE Module (security module), HCE and TEE are provided.What hardware SE was provided by it Secured computing environment receives the accreditation in financial transaction field, in current debt-credit note card, electricity It is used widely, with extensive user base, good disposal environment and makes in sub- cash With custom.As mobile payment technology is continued to develop, SE component forms also there occurs many changes, New solution is constantly put into practice.
Transaction accepting terminal (POS) and the means of payment (as between card, mobile phone) On data transmission channel, a variety of transmission means are presently, there are：RF radio communications, short message, barcode scanning, Sound wave, photon, various ways and the communication that saves as between payment carrier provide convenience.
On authentication mode, can be divided into the certification based on password, the certification based on password+smart card, Certification based on biological characteristic (fingerprint, face).Wherein password, biological characteristic certification it is many Paid for far field, smart card authentication is used near field payment.
Cloud computing is the main flow direction at following background server end, and the background system of digital cash should Using the solution based on cloud.
In e-commerce initiative, because role is different, the requirement to digital cash is also different：Visitor Family requires that digital cash is easy to use, and storage is safe and with anonymity；Businessman requires digital goods Coin has confirmability, and can be exchanged into real currency；Bank then requires that digital cash can not It is illegally used and forges, therefore, digital cash D-RMB there should be following characteristics：
1. security：It can prevent any one party in commercial affairs from changing or illegally use digital cash；
2. not reproducible cost：Digital cash is used only once, and Double spending can be easy Ground, which is checked, to be come；
3. controllable anonymity：Bank and businessman, which act in collusion, can not track the use of digital cash, It is required that the buying behavior of the user of electronic cash can not be linked together by system, so that hidden number The purchasing history of word currency user, but the use of the traceable digital cash of publisher of digital cash；
4. unforgeable：User can not the pseudo- digital cash faked；
5. fairness：Payment process is fair, it is ensured that otherwise both sides merchandise successfully, otherwise it is double Side does not all lose, and prevents a certain counterparty from being sustained a loss in transaction；
6. compatibility：The distribution flow of digital cash to the greatest extent may be used with intermediate links in D-RMB systems It can be issued with reference to commodity money with circulating.
And for digital cash, it should can adapt in the various use fields of existing currency Scape, and can be with existing currency convertibility.
Digital cash is stored, paid and circulated by support of electronic computer technology, can be wide It is general to be applied to the multiple fields such as production, exchange, distribution and consumption.Due to digital cash collection finance A variety of functions such as savings, credit and the clearing of account are integrated, so with easy to use, peace Entirely, rapidly, reliable feature.However, the use of digital cash is generally with bank card at this stage (magnetic card, smart card) is media.And using bank card as media, that is, limit and have to know Digital cash could not be used with operation bank card, this greatly limits the extensive of digital cash Use and circulate.
With continuing to develop for computer technology, mobile terminal device is also enriched constantly, mobile whole End makes mobile communication terminal refer to the computer equipment that can be used on the move, except logical Outside the mobile phone of normal meaning or the smart mobile phone and tablet personal computer with a variety of application functions, Notebook, POS even vehicle-mounted computer etc. can also be included.However, straight using mobile terminal Transaction digital cash is connect, is not meant to have to obtain digital goods from bank by mobile terminal Coin.Especially when user in certain business bank does not have bank account or the bank account as user When Sorry, your ticket has not enough value, it will be unable to exchange digital cash by mobile terminal.
The content of the invention
In view of this, the present invention provides a kind of method and system of use cash redemption digital cash, Refer mainly to extract the method and system of digital cash using cash by bank outlets, to solve Above-mentioned a variety of weak points of the prior art.Other objects of the present invention, effect and beneficial Effect can be drawn from embodiment.
To achieve the above object, according to an aspect of the invention, there is provided one kind uses cash The method for exchanging digital cash.
A kind of method of use cash redemption digital cash of the present invention includes：Business bank site First request is sent to business bank's digital coin systems by system, and first request includes using Family terminal iidentification, described first asks to be used to use cash redemption digital cash；The commercial silver Account of the amount of money of the row digital coin systems according to specified by the described first request from the business bank Digital cash is extracted in family；And the second request is sent to Central Bank's digital coin systems, Described second asks to carry out owner's change for the digital cash to extraction；The center silver Row digital coin systems receive second request, and perform default item according to the described second request Purpose operates and successfully indicates operation to return to business bank's digital coin systems, institute State the digital goods for including and being extracted to business bank's digital coin systems in the operation of preset term Coin carries out the operation of owner's change；Business bank's digital coin systems receive described operate into After the instruction of work(, the digital cash extracted is sent to the user terminal.
Alternatively, first request also includes：The amount of money of digital cash need to be extracted；Also, Business bank's digital coin systems extracted from the account of the business bank digital cash it Before, in addition to：Business bank's digital coin systems confirm business bank's digital cash Digital cash remaining sum in system need to extract the amount of money of digital cash not less than described.
Alternatively, Central Bank's digital coin systems perform default according to the described second request Before the operation of project, in addition to：Central Bank's digital coin systems confirm what is extracted The owner of digital cash is the business bank.
Alternatively, the operation of owner's change includes：By business bank's digital cash system The owner for the digital cash that system is extracted is revised as the wallet address of user by the business bank, its In, the wallet address is public key, and the public key is Hash codes.
Alternatively, the digital cash extracted is sent to by business bank's digital coin systems After the user terminal, in addition to：Business bank's digital coin systems are to user terminal Send the successful prompt message of transaction.
Alternatively, the digital cash is character string；The user terminal is mobile phone, and described The identifier of user terminal is phone number.
It is there is provided a kind of use cash redemption digital cash according to another aspect of the present invention System.
A kind of system of use cash redemption digital cash of the present invention, including business bank's numeral Money-system and Central Bank's digital coin systems, wherein, business bank's digital cash system Unite for receiving the first request that business bank's site system is sent, and according to the described first request The specified amount of money extracts digital cash from the account of the business bank；And please by second Ask and be sent to Central Bank's digital coin systems；And receiving the digital goods of the Central Bank After the operation that coin system is sent successfully is indicated, the digital cash extracted is sent to institute User terminal is stated, wherein, first request includes user terminal identification；The Central Bank Digital coin systems are used to receive second request, and default according to the described second request execution Simultaneously by operation, successfully instruction returns to business bank's digital coin systems for the operation of project, The numeral extracted to business bank's digital coin systems is included in the operation of the preset term Currency carries out the operation of owner's change；Wherein, described first ask to be used to use cash redemption number Word currency；Described second asks to carry out owner's change for the digital cash to extraction.
Alternatively, first request also includes：The amount of money of digital cash need to be extracted；Also, Business bank's digital coin systems are additionally operable to extracting number from the account of the business bank Before word currency, confirm that the digital cash remaining sum in business bank's digital coin systems is not small The amount of money of digital cash need to be extracted in described.
Alternatively, Central Bank's digital coin systems are performed in advance according to the described second request If before the operation of project, being additionally operable to：Central Bank's digital coin systems confirm to be extracted Digital cash owner be the business bank.
Alternatively, the operation of owner's change includes：By business bank's digital cash system The owner for the digital cash that system is extracted is revised as the wallet address of user by the business bank, its In, the wallet address is public key, and the public key is Hash codes.
Alternatively, business bank's digital coin systems are sent by the digital cash extracted After the user terminal, it is additionally operable to：Business bank's digital coin systems are whole to user End sends the successful prompt message of transaction.
Alternatively, the digital cash is character string；The user terminal is mobile phone, and described The identifier of user terminal is phone number.
Technique according to the invention scheme, digital cash is exchanged by using cash, so as to Flexibly and easily to obtain digital cash, meet what different levels crowd obtained to digital cash Demand；By carrying out multiple authentication in links, and believed according to trading rules tissue correlation Cease and send, so as to strengthen the security of transaction；Pass through Central Bank's digital coin systems The owner's change for carrying out digital cash, it is possible to achieve by the unified record digital cash of the Central Bank Trading situation, so as to realize safety and the unified management of digital cash.
Brief description of the drawings
Fig. 1 is the signal of the main flow of the work of the pre- fabrication relevant with embodiment of the present invention Figure；
Fig. 2 is the flow of the user's registration D-RMB account relevant with embodiment of the present invention Schematic diagram；
Fig. 3 is the schematic diagram of the D-RMB process of exchange relevant with embodiment of the present invention；
Fig. 4 is to provide online clothes according to the D-RMB digital coin systems of embodiment of the present invention A kind of schematic diagram of structure of general frame during business；
Fig. 5 is the calculating included according to business bank's digital coin systems of embodiment of the present invention The schematic diagram of machine system；
Fig. 6 is the business bank's digital coin systems and external system according to embodiment of the present invention A kind of schematic diagram of framework of interconnection；
Fig. 7 is the master of the method for the use cash redemption digital cash according to embodiment of the present invention Want step schematic diagram；
Fig. 8 is the master of the system of the use cash redemption digital cash according to embodiment of the present invention Want part schematic diagram.
Embodiment
The one exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including this hair The various details of bright embodiment should think them only exemplary to help understanding. Therefore, it will be appreciated by those of ordinary skill in the art that, the embodiments described herein can be done Go out various changes and modifications, without departing from scope and spirit of the present invention.Equally, in order to clear Chu and simplicity, eliminate the description to known function and structure in following description.
In embodiment of the present invention, digital cash of the description based on cryptarithm is (hereinafter referred to as D-RMB) design, main operation mode is that the Central Bank is classified together with each business bank Build D-RMB systems.Here the Central Bank is the issuer of currency, such as Chinese people Bank.In the following description, the Central Bank is sometimes referred to simply as " Central Bank ", similarly, business Industry bank is sometimes referred to simply as " firm ".Digital cash is separately expressed as " DCoin”。
D-RMB systems are to be based on DCoinThe fund transfer system of transaction, it is by the Central Bank and respectively Business bank combines operation together.D-RMB systems include the core for running on optional network specific digit center D on serverCoinDistribution, client's login, account management of customer, trade management, fraud detection, Core business module, the also needs such as the mobile phone including user terminal, notebook computer and kernel service The terminal client program of device interaction, meanwhile, it also includes DCoinFund transfer system operation is relied on The whole country in include internet, such a opening mode of mobile radio communication electronics lead to Communication network.Before D-RMB systems are discussed, clearly：
1. it is compatible with the circulation of existing commodity money.The distribution of digital cash in D-RMB systems Flow is issued with circulating with reference to commodity money as far as possible with intermediate links, numeral in D-RMB systems Currency is deposited after three links, and one is digital cash floatation treasury (the i.e. digital cash base of Central Bank Gold)；Two be the inventory figures cash of the bank storehouse of business bank, i.e. business bank；Three be to use In the client applications at family end, i.e. stored value card.During this different link, D-RMB Register can complete correlation log-on operation.
2.D-RMB digital cash is without Proxy Signature.Anonymous protection in a limited degree in use.
3.D-RMB digital cash can rely on heterogeneous networks to circulate, may with electronic digital form Exist in the various electronic device terminals of mobile phone, IC card chip, notebook computer etc., lead herein D-RMB digital cash is deposited come example of discussing using mobile phone and IC-card as carrier, but simultaneously It is not intended that it can only be using mobile phone and IC-card as carrier.
The payment mode of 4.D-RMB system designs is the transfer by D-RMB digital cash (i.e.：DCoinTransaction) realize.
5.D-RMB systems will obey the relevant institutions requirement of China's cash management.Specific requirement by Business department's demand is determined.
6. to avoid competing with existing book keeping operation Payment System homogeneity, D-RMB systems can be designed The quota degree that is limited is paid.
For convenience of follow-up description, to following notation convention：
Enc：Encryption, herein refers to user and is downloaded from IBC centers after private key, with the private key pair of oneself Information is sent to be signed and be encrypted with the public key of other side.
Dec：Decryption, the decryption of document received is carried out in particular to user with the private key of oneself, and with right Square cell-phone number is signed as correspondence public key (or directly public key) to the information that user sends Confirm.
DBank：Refer to the reserve account that bank opens up in Central Bank's centring system, be used as book keeping operation.
DCoin：Refer to the D-RMB digital cash that Central Bank is generated by the encryption mechanism of oneself, be a string Character, represents certain amount of money RMB.
DCoin 100：Refer to the D-RMB digital cash that Central Bank is generated by the encryption mechanism of oneself, be one String numeral, represents 100 yuans, the like, index number represents actual RMB number Volume.
BAccount：The Bank Account Number of bank of deposit where user.
H(M)：The value that Hash operation is obtained is carried out to M, M can be cell-phone number, mechanism generation Code or a string of characters, numerals etc..
D-RMB is as digital cash, by People's Bank of China sets up concurrently as legal tender Circulation is advanced into, is tendered guarantee by People's Bank of China as final credit side, national standard is participated in Converting, converging and consumption in framework.It is a string of codes, with " face amount " in actual circulation The same value of money meaning.D-RMB digital cash simulates distribution and management of the paper bank note in Central Bank Flow, number is disposably generated in D-RMB floatation treasurys by this digital cash circulation of Central Bank Word currency.
In D-RMB system designs, DCoinIt can be produced by least unit denomination, can also root Produce, can also be produced by commodity money denomination in circulation, specifically according to the specific Withdrawal Amount of user Which kind of it can be set by mode by systematic parameter in initial procedure.For closer to reality, subsequently with Fix exemplified by denomination to be illustrated in circulation.
D-RMB in floatation treasury simulates the face amount in circulation completely, and " printing " produces numeral Represent " one circle, Wu Yuan, pick up circle, 20 circle, 50 circle, 100 circles " etc., one add Ciphertext originally represents the D-RMB digital cash of a face amount.
Produce D-RMB by fixed face amount, such as represented by the 5th set of production D-RMB (if need to give birth to Production：DCoin 1、DCoin 5、DCoin 10、DCoin 20、DCoin 50、DCoin 100) then：
Step 1：Six are produced respectively with numeral 1,5,10,20,50 and 100 by main password Basic Crypted password.
Step 2：By hash algorithm generation system random number.Random number can be understood as crown word number Code.
Step 3：By representing the basic Crypted password and random number encryption of different values of money, generation adds Password.
Step 4：By Central Bank, private key pair encryption password is signed, and is represented new coin and is produced.If Withdrawer, which will carry, represents 100 yuans of DCoin 100, then, can be by generation during actually withdrawing deposit The unique random number word of 100 yuan of table and corresponding basic Crypted password encryption generation encrypted cipher text m, By Central Bank, private key is signed to m again.
In D-RMB systems, there are digital cash floatation treasury, the numeral of business bank of Central Bank Currency bank storehouse and the stored value card of user terminal (such as mobile phone).It is substantially interior that digital cash is shifted Appearance includes：
(1) according to digital cash total volume of issuing, the unified generation digital cash of Central Bank (produces number Word monetary fund), it is stored in Central Bank floatation treasury.
(2) according to the demand application of business bank's digital cash, digital cash is sent to accordingly The database of digital cash, i.e. digital cash are deposited from floatation treasury to bank storehouse by business bank.
As certain is according to note issuance total amount, Central Bank distribution 1,000,000,000 D-RMB, these D-RMB It is placed in after distribution in the floatation treasury of Central Bank.Later according to the application of certain bank from this 1,000,000,000 Wherein 200,000,000 are withdrawn in D-RMB, these 200,000,000 D-RMB being lifted off are stored in the bank Bank storehouse in (bank Central Bank required reserve account for reduce 200,000,000, meanwhile, The D-RMB of 2 hundred million is stored in the bank storehouse of the business bank, and its operation etc. of keeping accounts is compared with reality Thing currency is drawn), in Register, the corresponding owner of these digital cash is changed to by Central Bank Business bank, and record the information such as corresponding operating flowing water.
(3) user application extract digital cash when, digital cash from bank storehouse to intermediate links, Into in the storage medium of subscription client (such as in mobile phone), i.e., the electricity from bank storehouse to user Sub- wallet.In Register, the corresponding owner of these digital cash is changed to user by business bank, And record the information such as corresponding operating flowing water.
(4) in intermediate links, digital cash is entered between two users each stored value card Row shifts to complete to pay, and now pays and is divided into online transaction and off-line trading, specific Business Stream Journey carries out labor later.In Register, the corresponding owner of these digital cash by with Family 1 is changed to user 2, and records the information such as corresponding operating flowing water.
In numbers above currency transfer process, the Register of D-RMB systems need to verify transaction The legitimacy of digital cash, records transaction journal and corrects the new owner of correspondence digital cash, with And register other information needed (specifically being determined by business demand).
If using IC-card as carrier, also there is the work of pre- fabrication, in the work of pre- fabrication, Central Bank's digital coin systems and business bank's digital coin systems are to including storage medium D-RMB chip cards carry out sequence of operations, mainly have：Central Bank's digital coin systems are by pre- The content first specified generates the individuation data of D-RMB chip cards；Digital cash system of business bank Unite and the personal information of the user of application D-RMB chip cards is write into the D-RMB chip cards；Business Industry bank digital coin systems are with user IBC public keys to Verification System application IBC private keys, user IBC public keys are the mark of D-RMB chip cards or the mark of the user.Related in operating above And main flow as shown in figure 1, Fig. 1 is the pre- fabrication relevant with embodiment of the present invention The schematic diagram of the main flow of work.
Card base is used as DCoinSafety barrier, in DCoinThe links of circulation are for ensureing DCoin's Security has certain booster action, and (independent physical support IC-card is also referred to as " D-RMB cores Piece card ").
(1) production of D-RMB chip cards
The production of D-RMB chip cards must be by by Central Bank's certification, with production qualification Enterprise production, for its manufacturing quantity and quality by the Central Bank (or center silver Other departments that row is authorized) strict control.Enterprise qualification identifying procedure includes：Submission application, The links such as material examination ＆ verification, scale detection, scene test and appraisal, mandate qualification.
(2) personalization of D-RMB chip cards
Individuation data is generated by the Central Bank in D-RMB chip cards, and authorizes relevant departments to build Vertical individualized center, individual operation is carried out to the D-RMB chip cards of new production.
(3) distribution of D-RMB chip cards
System can support system of real name hair fastener and anonymous hair fastener.
System of real name hair fastener：D-RMB chip cards are by individual subscriber application, system of real name hair fastener, in Entreat bank authorization business bank on behalf of distribution, business bank carries out real name examination ＆ verification to user, and steps on After remembering that related data, examination ＆ verification pass through, secondary hair fastener is carried out to the D-RMB chip cards of the Central Bank, The personal information of user is write in D-RMB chip cards.
Anonymous hair fastener：User directly claims D-RMB chip cards, business bank to business bank It can be chosen whether to verify applicant's identity information according to actual conditions.
Business bank according to actual conditions select using D-RMB chip cards unique identifying number or User mobile phone number applies for private key as user's IBC public keys, and then to IBC authentication centers.
D-RMB systems are supported with computer equipment, mobile phone, POS, ATM and Web etc. Mode is as carrier, in selection line or off-line transaction, it is exemplified here it is middle will it is main using mobile phone as Illustrated exemplified by carrier.
On mobile phone terminal, the unblock such as various numerical ciphers, graphical passwords is set and startup password The safety of personal information on mobile phone can effectively be protected.It is all kinds of with the arrival in smart mobile phone epoch Finger print mobile phones based on biological characteristic have been enter into ordinary consumption group, it can for different application, Different customizing messages take different encrypting fingerprints, and the application of these new technologies can effectively ensure that mobile phone The storage safety of upper digital cash, pertinent transaction information.
To ensure transfer safety of the digital cash between mobile phone, D-RMB systems need to introduce safety and recognize Card system.Existing ca authentication center, social user's (bag are utilized between the Central Bank and financial institution Include personal and enterprise) enter using IBC (Identity-Based Cryptograph) authentication center Row authentication.
For the private key and Central Bank's public key produced in IBC, PKI, need to deposit reliable and securely In the exclusive region SE areas of the safety of mobile phone (Secure Element), SE areas can be by hardware (hand Machine changes card) or card technique HCE (Host Card Emulation) is simulated by main frame realized.Such as Fruit user, which takes, to be changed card to protect key, then key is downloaded in card application process is changed to mobile phone SE Area.
It in authentication system process of construction, can design, unite according to traditional PKI authentication system One sets up PKI systems, and strong digital signature is provided by CA, can also be designed by IBC, with Family cell-phone number is managed as public key, especially for the offline electronic payment of small amount, it appears that more To be convenient.Hereafter all introductions to business will be illustrated with IBC certifications.Fig. 2 is and this hair The schematic diagram of the flow of the relevant user's registration D-RMB accounts of bright embodiment, Fig. 3 be and this The schematic diagram of the relevant D-RMB process of exchanges of invention embodiment.
When carrying out user's registration, mainly there is below scheme：Central Bank's digital coin systems exist Receive after the proof of identification information that the terminal device that user uses is sent, sent out to the terminal device Send the application software suitable for the terminal device；Central Bank's digital coin systems are described to operation The terminal device of application software sends IBC public keys and IBC private keys, is then set with the terminal It is standby to carry out authentication session and session key agreement；Central Bank's digital coin systems are received The user account that the terminal device of the application software is sent is run, is then set to the terminal Preparation send user cipher.
With digital cash D from user 1 to 50 yuan of 2 on-line payment of userCoin 50Exemplified by, to illustrate It is related to D in process of exchangeCoin 50Security protocol during transfer.User 1 logs in the mobile phone A PP of oneself Application program, completes both sides' authentication with D-RMB systems, and consult in SSL modes After session key, trade agreement is performed.Exemplified by using cell-phone number as IBC public keys, in user 1 Cell-phone customer terminal：Cell-phone customer terminal chooses 50 yuan of digital cash D automaticallyCoin 50, according to transaction Regular weaves relevant information M ‖ m, wherein M can be designed as：M=transaction code ‖ cell-phone numbers 1‖DCoin 50‖ payment ‖ cell-phone numbers 2, message H (M) is obtained to message segment Hash operation, with The corresponding private key of cell-phone number 1 carries out signing to obtain m to H (M), cryptographically send M ‖ m to D-RMB systems.
D-RMB system ends：M ‖ m are obtained by agreement decrypted message, message validity are verified, i.e., It is the checking m and H (M) of cell-phone number 1 with public key, prevents message to be tampered in transmitting procedure；Test Demonstrate,prove DCoin 50It is whether legal, trading rules and relevant information are understood, corresponding operating, main bag is performed Include Register's change D after business checkingCoin 50Owner, cell-phone number is changed to by the cell-phone number 1 bound 2, and record corresponding flowing water.Send DCoin 50Merchandised successfully to mobile phone 2, and to both sides' prompting.
To further enhance anonymity, Register's ownership correspondence cell-phone number can be changed to cell-phone number Hash (uses for reference bit coin wallet address, be made up of public key Hash), is described in detail below：
Client tissue message is constant, in the cell-phone customer terminal of user 1：The automatic number for choosing 50 yuan Word currency DCoin 50, can be designed as according to trading rules tissue relevant information M ‖ m, wherein M The ‖ D of M=transaction code ‖ cell-phone numbers 1Coin 50‖ payment ‖ cell-phone numbers 2, to message segment Hash Computing obtains message H (M), and the m that signs to obtain is carried out to H (M) with the corresponding private key of cell-phone number 1, with Cipher mode sends M ‖ m to D-RMB systems.
D-RMB system ends：M ‖ m are obtained by agreement decrypted message, message validity are verified, i.e., It is the checking m and H (M) of cell-phone number 1 with public key, prevents message to be tampered in transmitting procedure；Test Demonstrate,prove DCoin 50It is whether legal, trading rules and relevant information are understood, corresponding operating, main bag is performed Include Register's change D after business checkingCoin 50Owner, is changed to by the H (cell-phone number 1) bound H (cell-phone number 2), and record corresponding flowing water.Send DCoin 50Pointed out to mobile phone 2, and to both sides Merchandise successfully.
On the design of system convenience, in embodiments of the present invention, the interface of transaction and entrance Have a variety of.During scene citing, only illustrated with an entrance, such as registered user is in business Industry bank transacting business, you can by the first direct login D-RMB systems of the adept machine of user, also can be by Business bank logs in D-RMB systems.
On account password problem, can be needed whether to need user come flexible design according to business Input account password.Small amount payment system based on D-RMB systems, it is proposed that it is contemplated that by with Whether family unrestricted choice sets password.In the explanation of embodiment of the present invention, by not staying password To describe, but in the implementation, can be according to actual conditions depending on.
On client application problem, user can download corresponding client application In oneself corresponding terminal (such terminal software is equivalent to " wallet " instrument), such as mobile phone User can download D-RMB mobile phone terminals program (alternatively referred to as mobile phone A PP).Terminal program It can design comprising following functions：One is DCoinManagement function.(1) terminal program can be automatic Count all DCoinThe amount of money；(2) amount of money number that can be inputted according to user is automatically found " wallet " Interior DCoinCombination, and the automatic selected D matched in payment processCoinIt is traded；(3) After the completion of transaction, the D of expenditure will be participated in automaticallyCoinDeleted；(4) can automatic distinctive mark Digital cash in " wallet " without Central Bank's on-line testing and registered digital cash is verified. Two be finishing service need function, such as online application for registration, extract, pay, cashing, The business functions such as offline payment request, and be automatically performed in process of exchange public key encryption, Private key signature etc. is operated.
Generally speaking, the key element of D-RMB systems is a kind of coin, two class libraries, three centers：
A kind of coin, i.e. " D-RMB ", also referred to as DCoin, refer in particular to what is signed by Central Bank for a string Represent the encrypted numeric string of the specific amount of money.
Two class libraries：It is D-RMB floatation treasury and bank storehouse respectively.Digital cash is in floatation treasury In show as the digital cash fund of Central Bank；Digital cash shows as business in bank storehouse The inventory figures cash of bank.
Three centers：One be Register (including currency produce, circulate, check verification and disappear Die overall process record)；Two other is authentication center, i.e., ca authentication center (is based on PKI System, is managed concentratedly, such as CFCA to mechanism and user certificate) and IBC authentication centers, The authentication center (Identity-Based Cryptograph) that cryptographic technique i.e. based on mark is set up. Two tables can be designed in Register, one is digital cash right registration table, records digital cash Ownership, another be transaction flow water meter.
Identity- based cryptography IBC in embodiment of the present invention can be directly with user's Identity no longer relies on certificate as public key, the certification of public key, simplifies the use of key With management, there is no catalogue, easy to use, easy to maintain.
For identity, personal user can use cell-phone number, it would however also be possible to employ with mobile phone The E-mail addresses matched somebody with somebody or the character string of other process conversion, so facilitate client itself to remember, Other people are unable to find out), to reach controllable anonymous purpose.Enterprise customer can use tissue Institution Code, can also be used as the identity at IBC centers, with this using customized code It is convenient only by taking cell-phone number as an example in citing below to illustrate as public key.
D-RMB systems are a kind of systems of stagewise, i.e., be total to by the Central Bank with each business bank Build, Central Bank's digital coin systems are by the Central Bank or Central Bank's Notified body operation dimension The computer system for being used for handling the information on digital cash of shield, its major function includes negative The distribution and checking for blaming digital cash are monitored, and business bank is referred to by business bank or business bank Determine the computer system for being used for handling the information on digital cash of mechanism operation maintenance, it is held The various functions of the relevant currency of the existing bank of row, i.e. bank function, it is main to include from central silver Row is applied to after digital cash, is responsible for region be directly facing society, meets and provides digital cash circulation clothes Every demand of business.
In the basic structure according to the digital coin systems of embodiment of the present invention, digital cash System mainly includes Central Bank's digital coin systems, business bank's digital coin systems (in reality Can be multiple business bank's digital coin systems in border) and Verification System.Wherein, in Centre bank digital coin systems are used to producing and issuing digital cash, and digital cash is carried out Right registration；Business bank's digital coin systems are used to perform bank function for digital cash； Verification System is used for whole used in the user of Central Bank's digital coin systems and digital cash Interaction between end equipment provides certification, and to Central Bank's digital coin systems and commercial silver Interaction between row digital coin systems provides certification.
Fig. 4 is to provide online clothes according to the D-RMB digital coin systems of embodiment of the present invention A kind of schematic diagram of structure of general frame during business.
In general frame shown in Fig. 4, the core of D-RMB digital cash operating is business bank Digital coin systems, Central Bank's D-RMB systems are connected with firm D-RMB systems, are responsible for progress Trade confirmation.Firm's D-RMB systems and Central Bank's D-RMB systems can make full use of advanced Cloud carry out scattered deployment, while firm's D-RMB systems and the interconnection of its built-in system are mutual It is logical.
From fig. 4, it can be seen that business bank's digital coin systems are in core position and other nets Network or system are connected, and can apply " cloud computing technique construction.D-RMB digital coin systems branch The network data of various different agreements is held, such as:Virtual private network, special line, satellite network, Public switch telephone network (PSTN), global system for mobile communications (GSM), public land are moved Dynamic net (PLMN), variant network can be achieved directly or indirectly to be connected with central server.
Firm's digital coin systems are connected with Register of Central Bank, are likewise supplied with four basic functions Module：From motion tracking account possess how many D-RMB digital cash electronic purse function module, The supervision work(of suspicious transaction is shifted and recognized from the D-RMB digital cash between motion tracking each side Can module, e-bank's service function and manageming contacts CRM functional module.
The logic placement of server in business bank's digital coin systems uses the side of three-tier architecture Formula：That is expression layer, that is, front end applications system 200；Backend application system 202, is also named meeting Session layer, application layer, or logical transaction layer；Background data base 204 is data Layer.Its is corresponding Physical machine disposes block diagram as shown in figure 5, Fig. 5 is the commercial silver according to embodiment of the present invention The schematic diagram for the computer system that row digital coin systems are included.
Front end applications system 200 is directly mutual with money-transfer services operator for running user Dynamic application program, such as web application, what is disposed herein is Web server cluster. User and money-transfer services operator are interacted by user interface and these application programs, user Interface has personal computing devices 114 and mobile device etc..User can access electricity by this entrance Sub- wallet function, supervisory role, virtual bank's function, CRM functions.Can on Web server Using open source softwares such as apache.
Backend application system 202 be mainly used to be support front end applications system 200 data access, The background functions such as business logic processing.This regional deployment application server.D-RMB digital cash It can use with the JBOSS instruments under Red Hat open source systems come development and application program.
Background data base 204 is mainly DataBase management system, including data warehouse, Store sales transactions, customer profile and tracking and the regulation Central Bank numeral of transferring money Money-system carries out other data required for the transfer of D-RMB digital cash.D-RMB numerals Money-system can use using Oracle DBMS and be used as design of database system.
Above-mentioned firm's digital coin systems can be interconnected with external system, and a kind of optional framework is such as Shown in Fig. 6, Fig. 6 be according to business bank's digital coin systems of embodiment of the present invention with it is outer A kind of schematic diagram of framework of portion's system interconnection.
Upper figure demonstrate business bank's digital coin systems with including Central Bank's central server, other The physics and logic placement of various external system adapters including business bank's system.There is currency Transaction data adapter, mobile service providers SMS gateway adapter, Retailer system adaptation Device, ATM data supply system adapters etc., central server can by way of this interconnection To receive the digital cash transfer request from every class entity and response.Fig. 6 is absolutely proved D-RMB digital coin systems are to the good support of each channel, networks of different protocol, and this is also it System has the performance of open feature.
Below will be using user mobile phone as terminal mode, using cell-phone number as identity, to behaviour The miscellaneous service flow for making D-RMB is illustrated by, mainly log in, extract including client downloads, The flow such as pay, deposit and cash, carry out face-to-face mode of doing business to illustrate.The client of user End logs in, extracted, cash flows require that user must complete under presence, and pays Journey can be divided into on-line payment and offline electronic payment, then form multiple scene states and its corresponding Flow, each flow purpose to be reached is realized by series of operation steps.Except mobile phone In addition, other intelligent terminals being likely to occur at present and in the future can serve as D-RMB load Body simultaneously performs miscellaneous service flow.
Individually below to the summary of flow (following " process description ") and scene state (with Under " scene explanation ") and (following " step the step of realize the flow in this scenario Rapid explanation ") it is been described by one by one.
Download and log on subscription client, performed by below scheme：
Process description：The APP installation procedures that user is provided by mobile phone-downloaded by business bank are stepped on Record D-RMB systematic procedures.
Scene explanation：Qualified business bank (such as industrial and commercial bank) connection ca authentication center, IBC authentication centers and Register, digital cash service is provided to user.User passes through under mobile phone The APP installation procedures provided by business bank are provided and log in business bank's D-RMB systems.
Step explanation：
Step 1. user logs in firm (such as Industrial and Commercial Bank of China) D-RMB system pages with mobile phone, The mobile phone A PP installation procedures provided by business bank are downloaded, for (the IBC certifications of existing account Center) user, can directly log in；For new user, it is necessary at the beginning of carrying out account first Beginningization is operated；
Step 2. is initialized：In page typing relevant information (such as name, address, Email Address, cell-phone number, identification card number, register account number are cell-phone number etc.), click on and send；
Step 3. business bank：IBC authentication centers are connected, D-RMB numbers are created for the user Word money-system unique account, and in its uniqueness of IBC central authentications.Personal user can use Cell-phone number, generates user's initial log password and is sent to user mobile phone；IBC centers are according to mobile phone Number produce user private key, public key is user mobile phone number, and stream is traded using public key as account Turn；
Step 4. user mobile phone end：Activated Account after receiving initial log password, download user Private key and Central Bank's public key are stepped on to mobile phone protective zone by logging on mobile phone A PP to change Password is recorded, initialization is completed.
If Mobile phone card is changed in user's application, key can be implanted in card SE areas in advance in advance.
Following again to the use cash redemption digital cash in embodiment of the present invention method and it is System is described in further detail.
Fig. 7 is the master of the method for the use cash redemption digital cash according to embodiment of the present invention Want step schematic diagram.As shown in fig. 7, the method for the use cash redemption digital cash of the present invention Mainly include steps S71 to step S74.
Step S71：First request is sent to the digital goods of business bank by business bank's site system Coin system, the first request includes user terminal identification, and first asks to be used to use cash redemption number Word currency；
Step S72：Business bank's digital coin systems amount of money specified according to the first request from Digital cash is extracted in the account of business bank；And the second request is sent to Central Bank's number Word money-system, second asks to carry out owner's change for the digital cash to extraction；
Step S73：Central Bank's digital coin systems receive second and asked, and please according to second Ask the operation for performing preset term and successfully indicate operation to return to business bank's digital cash System, includes the digital goods extracted to business bank's digital coin systems in the operation of preset term Coin carries out the operation of owner's change；
Step S74：Business bank's digital coin systems are received after the successful instruction of operation, by institute The digital cash of extraction is sent to user terminal.
Technique according to the invention scheme, the first request can also include：Digital cash need to be extracted The amount of money；Also, business bank's digital coin systems extract number from the account of the business bank Before word currency, it can also include：Business bank's digital coin systems confirm the commercial silver line number Digital cash remaining sum in word money-system, which is not less than, need to extract the amount of money of digital cash.Also, Business bank, when carrying out the confirmation of above- mentioned information, is tested by carrying out first to first request Demonstrate,prove to realize, wherein, the first checking includes judging the number in business bank's digital coin systems Whether word idle money balance, which is not less than, need to extract the amount of money of digital cash.Herein, business bank's numeral Money-system, when extracting digital cash, is by being carried out in systems to the digital cash of extraction What the mode of record was carried out.
Business bank's digital coin systems complete the digital goods of business bank after first is verified The inside book keeping operation of coin system, i.e.,：Digital goods need to be extracted by being deducted under the account name of the business bank The amount of money of coin, and generation second is asked after digital cash is extracted.When generating the second request, Can be according to the trading rules pre-established by the identifier of user terminal and the digital goods that is extracted The corresponding character string of coin carries out tissue to generate the second request.In addition, according to customer transaction content Difference, trading rules also can correspondingly be changed, and the particular content of the second request also can Occurs corresponding change.In addition, according to the security needs of transaction, for example may be used also in trading rules To be encrypted and with user terminal identification including carrying out Hash operation etc. to Transaction Information with realizing Private key the character after Hash operation is signed to realize further encryption etc..
In addition, Central Bank's digital coin systems perform the operation of preset term according to the second request Before, for the safety of system, it can also be confirmed to be extracted by Central Bank's digital coin systems Digital cash owner be the business bank.Wherein, Central Bank's digital coin systems are entering During the confirmation of row above- mentioned information, realized by carrying out the second checking to the second request, its In, the second checking includes：Whether the owner of the extracted digital cash of checking is the business bank.
The digital goods that business bank's digital coin systems are extracted included in the operation of preset term Coin carry out owner's change operation can be specifically：Business bank's digital coin systems are extracted The owner of digital cash is revised as the wallet address of user by business bank, wherein, wallet address For public key, and the public key can be Hash codes.In the present invention, the operation of preset term be What the Register of Central Bank's digital coin systems was carried out, carry out digital cash in Register The registration of owner's information when, correspondence owner's information can record as public key Hash, such as H (cell-phone number), To strengthen anonymity, or in Register, public key can be by user's sets itself, user Also public key etc. can be represented with a string of meaningless codes completely.
Also, also included in the operation of preset term and record corresponding Transaction Details information.Wherein, Record corresponding Transaction Details information for example including：This time hand over incident time, Shu Zhubian Time more and before changing after owner's information etc., can be carried out according to different transaction contents Record, to inquire about in the future.The owner of digital cash is the owner of digital cash, when entering , it is necessary to should in the Register of the Central Bank's digital coin systems during transaction of row digital cash Owner's information of the corresponding character string of digital cash is modified, and is recorded, to represent The owner of the digital cash is changed.
In addition, the digital cash extracted is sent into user in business bank's digital coin systems After terminal, merchandised into it is also possible that being sent from business bank's digital coin systems to user terminal The prompt message of work(, to point out this time transaction to run succeeded.
In the inventive solutions, digital cash is character string；User terminal is preferably hand Machine, and the identifier of user terminal is phone number.The need for actual use, user is whole End can also include other mobile devices that can be networked, such as tablet personal computer, and user is whole The identifier at end is such as can be customized a string of unique strings or E-mail address Deng.
Submitted and asked by Industrial and Commercial Bank of China's site sales counter with user below, to be carried by cash Exemplified by taking 250 yuan of digital cash, to the detailed step of the use cash redemption digital cash of the present invention Suddenly illustrate.
Step 1：User to business bank (for example：The Industrial and Commercial Bank of China) certain site system carries Hand over digital cash D of 250 yuan of the cash to apply for exchanging the corresponding amount of moneyCoin, for example：User by The form that sales counter is filled in a form submits cash withdrawal DCoinFirst request, wherein, first request in need The mark of user terminal used in user is included, for example, cell-phone number etc., is converted for receiving The digital cash changed, and the user terminal should be provided with can receive the application journey of digital cash Sequence APP；
Step 2：Business bank's digital coin systems：The amount of money of record cash is checked, and is verified The legitimacy of first request, such as：Judge whether the digital cash in bank storehouse covers (i.e.： Whether the digital cash remaining sum in business bank's digital coin systems, which is not less than, need to extract digital cash The amount of money) etc.；After being verified, the book keeping operation of business bank's digital coin systems is completed (i.e.： The amount of money of digital cash need to be extracted by being deducted from the account balance of the business bank), and from bank D is drawn in the digital coin systems in storehouseCoin 100, DCoin 100' and DCoin 50(i.e.：The business bank Digital coin systems record digital cash DCoin 100, DCoin 100' and DCoin 50Corresponding character string)； Then, according to trading rules tissue relevant information to digital coin systems D-RMB systems of the Central Bank System sends second and asked, and herein, relevant information need to include the identifier (cell-phone number) of user terminal With the digital cash D extractedCoin 100, DCoin 100' and DCoin 50Corresponding character string；
Step 3：Central Bank's digital coin systems：Receive after the second request, understand transaction Rule and relevant information, and verify the legitimacy of related content (for example：Verify the numeral extracted Currency DCoin 100, DCoin 100' and DCoin 50Owner whether be Industrial and Commercial Bank of China etc.), and After being verified, Register will perform following associative operation：Change DCoin 100, DCoin 100' And DCoin 50Owner's information of corresponding character string, that is, by these digital cash DCoin 100, DCoin 100' and DCoin 50Owner user's wallet is changed to by the code for the Industrial and Commercial Bank of China bound before Address, i.e. public key Hash, and record corresponding transaction journal detail information；
Step 4：Business bank's digital coin systems：By DCoin 100, DCoin 100' and DCoin 50 Corresponding character string is sent to user mobile phone, completes internal corresponding operating, and send friendship to user Easily successful prompt message.
Fig. 8 is the master of the system of the use cash redemption digital cash according to embodiment of the present invention Want part schematic diagram.As shown in figure 8, the use cash redemption digital cash of the present invention System 80 mainly includes business bank's digital coin systems 81 and Central Bank's digital coin systems 82 two parts.
Business bank's digital coin systems 81 are used to receiving that business bank's site system to send the One request, and according to the specified amount of money of the described first request from the account of the business bank Extract digital cash；And the second request is sent to Central Bank's digital coin systems；And After the successful instruction of the operation that Central Bank's digital coin systems are sent is received, The digital cash extracted is sent to the user terminal, wherein, first request includes User terminal identification；Central Bank's digital coin systems 82 are used to receive second request, and The operation of preset term is performed according to the described second request and successfully indicates operation to return to institute Business bank's digital coin systems are stated, are included in the operation of the preset term to the commercial silver The digital cash that row digital coin systems are extracted carries out the operation of owner's change；Wherein, described One asks to be used to use cash redemption digital cash；Described second asks for described in extraction Digital cash carries out owner's change.
Technique according to the invention scheme, the first request can also include：Digital cash need to be extracted The amount of money；Also, business bank's digital coin systems 81 can be also used for from the commercial silver Extract before digital cash, confirmed in business bank's digital coin systems in capable account Digital cash remaining sum need to extract the amount of money of digital cash not less than described.
Central Bank's digital coin systems 82 are performing preset term according to the described second request Before operation, it can be also used for：Central Bank's digital coin systems confirm extracted number The owner of word currency is the business bank.
Wherein, the operation of owner's change can specifically include：By business bank's digital cash The owner for the digital cash that system is extracted is revised as the wallet address of user by the business bank, Wherein, the wallet address is public key, and the public key is Hash codes.
The digital cash extracted is being sent to the use by business bank's digital coin systems 81 After the terminal of family, it can be also used for：Business bank's digital coin systems are sent out to user terminal Deliver easily successful prompt message.
In the present invention, the digital cash is character string；The user terminal is mobile phone, and institute The identifier for stating user terminal is phone number.
It is illustrated below for repeat business detection.In the case of online transaction, D-RMB systems Pass through DCoinCarry out anti-repeat business with user account binding mode.Register in D-RMB systems There is a right registration table, record sheet pattern can be designed such as table 1：
Table 1
Digital cash name Owner Remarks
Pbc100adfkl09987766670 138xxxxx 001 DCoin 100
…… …… ……
Pbc50cadfkl09987766670 137xxxxx 002 DCoin 50
User 1 (cell-phone number 138xxxxx001) is to user 2 (cell-phone number 138xxxxx002) Pay DCoin 100During, D-RMB systems Register right registration table：Change DCoin 100It is right Owner is answered, owner's field Central Plains cell-phone number 138xxxxx001 wallet address is changed to mobile phone Number 138xxxxx002 wallet address, if user 1 still wants to use DCoin 100To other user's branch Pay, now its owner has not been user 1, it is impossible to complete to pay, prevent from repeating to pay with this.
If Register's right registration table represents owner with public key Hash in D-RMB systems, Then Register's right registration table can be designed such as table 2：
Table 2
Assuming that H (138xxxxx001) value is 1Xadcfdgdadg, H (138xxxxx002) value is 2xcfdald3xgdf, user 1 (cell-phone number 138xxxxx001) is to (the cell-phone number of user 2 138xxxxx002) pay DCoin 100During, D-RMB systems Register right registration table： Change DCoin 100Correspondence owner, 1Xadcfdgdadg in owner's field is changed to 2xcfdald3xgdf, if user 1 still wants to use DCoin 100Paid to other users, now its owner It has not been user 1, it is impossible to complete to pay, has prevented from repeating to pay with this.
In the case of off-line trading, paid by delayed repetition and check to find and call to account, it is several at present The repetition that all electronic cash systems are carried out, which is paid, checks it is all delayed, that is, repeats to pay Inspection is carried out all after the completion of payment process.
The transaction that we set simultaneously is small amount payment (being less than 1000 yuan), for individual's use Family is an acceptable scope, and using mechanism of calling to account afterwards, record of bad behavior will be recorded Enter credit investigation system to discipline as a warning.
Technical scheme according to embodiments of the present invention, digital cash is exchanged by using cash, So as to flexibly and easily obtain digital cash, different levels crowd is met to digital cash The demand of acquisition；By carrying out multiple authentication in links, and according to trading rules tissue Relevant information is simultaneously sent, so as to strengthen the security of transaction；Pass through the digital goods of the Central Bank Coin system carries out owner's change of digital cash, it is possible to achieve by the unified record numeral of the Central Bank The trading situation of currency, so as to realize safety and the unified management of digital cash.
For from convenience, terminals scheme (hereinafter referred to as " mobile phone side is used as using mobile phone Case ") provide more implementations and use means, system deployment facility, user's operation Convenience is good, be more easy to promote.
Consider from security, using mobile phone as D-RMB carriers, HCE and TEE side can be used Case, so as to there is provided bigger memory space, not exclusively rely on hardware vendor, is promoted more convenient.
Compared with market, other replace the money-system of bank note, D-RMB tentatively has convenience Good, safe the features such as, convenience is showed in the following areas：
In issuing way, D-RMB is the digitlization of currency in itself, independent of any bank's account Family and single network；
On storage mode, D-RMB storage medium can be mobile phone or card, magnetic The electronic equipments such as disk, computer, have provided the user multiple choices.Especially using mobile phone as load The D-RMB of body can make full use of the keyboard of mobile phone, display, positioning, storage, calculating, logical The functions such as letter, can also secondary development, significantly expansion payment scene and convenience；
In the means of payment, it can both provide and pay transaction face to face similar to bank note, class can be also provided It is similar to the network remote payment transaction of electronic fare payment system, you can support is online, can also support to take off Machine is merchandised, and mode is convenient, flexible；
In transactions velocity, payment speed improves a lot than the online means of payment of swiping the card.Very Suitable for small amount rapid payment；
In use habit, both compatible original means of payment of swiping the card, can also be provided face-to-face Digital cash pay, while may also provide electronization transaction record, be easy to financing count, The acceptable degree of user is high.
Security is showed in the following areas：
Compared with other digital coin systems, D-RMB digital cash be by cash value conversion and A series of Electronic Coding sequence numbers come, complete to pay by the transfer of these ciphering sequence numbers Transaction.The security of coin in itself is protected by cryptographic algorithm, can effective guarantee monetary information machine Close property and integrality, it is safe；
The security of D-RMB digital cash carriers is in mobile terminal using chip technology, on backstage High in the clouds utilizes trusted technology, realizes end-by-end security；
On the one hand the security of D-RMB digital cash transaction systems depends on traditional electronics branch System security technology is paid, while backstage utilizes powerful D-RMB cloud computing systems, is further protected Transaction security is hindered；
In terms of privacy of user protection, by way of " foreground voluntarily, backstage real name ", both Privacy of user is ensure that, the risk of illegal transaction has been evaded again.
Above-mentioned embodiment, does not constitute limiting the scope of the invention.This area Technical staff is it is to be understood that depending on design requirement and other factors, can occur various Modification, combination, sub-portfolio and the replacement of various kinds.It is any within the spirit and principles in the present invention Modifications, equivalent substitutions and improvements made etc., should be included within the scope of the present invention.

Claims (12)

1. a kind of method of use cash redemption digital cash, it is characterised in that including：
First request is sent to business bank's digital coin systems, institute by business bank's site system Stating the first request includes user terminal identification, and described first asks to be used for using cash redemption numeral Currency；
Business bank's digital coin systems ask the specified amount of money from institute according to described first Digital cash is extracted in the account for stating business bank；And the second request is sent to the Central Bank Digital coin systems, described second asks to carry out owner's change for the digital cash to extraction More；
Central Bank's digital coin systems receive second request, and according to described second Request performs the operation of preset term and successfully indicates operation to return to the commercial silver line number Word money-system, is included to business bank's digital cash system in the operation of the preset term The digital cash that system is extracted carries out the operation of owner's change；
Business bank's digital coin systems are received after the successful instruction of the operation, will be carried The digital cash taken is sent to the user terminal.
2. according to the method described in claim 1, it is characterised in that first request is also wrapped Include：The amount of money of digital cash need to be extracted；
Also, business bank's digital coin systems are extracted from the account of the business bank Before digital cash, in addition to：
Business bank's digital coin systems are confirmed in business bank's digital coin systems Digital cash remaining sum need to extract the amount of money of digital cash not less than described.
3. according to the method described in claim 1, it is characterised in that Central Bank's numeral Money-system is performed according to the described second request before the operation of preset term, in addition to：
Central Bank's digital coin systems confirm that the owner of extracted digital cash is described Business bank.
4. according to the method described in claim 1, it is characterised in that the behaviour of owner's change Work includes：
The owner for the digital cash that business bank's digital coin systems are extracted is by the business The wallet address of user is revised as in bank, wherein, the wallet address is public key, and public affairs Key is Hash codes.
5. according to the method described in claim 1, it is characterised in that business bank's numeral The digital cash extracted is sent to after the user terminal by money-system, in addition to：
Business bank's digital coin systems send transaction to user terminal, and successfully prompting is believed Breath.
6. according to the method described in claim 1, it is characterised in that the digital cash is word Symbol string；The user terminal is mobile phone, and the identifier of the user terminal is phone number.
7. a kind of system of use cash redemption digital cash, it is characterised in that including commercial silver Row digital coin systems and Central Bank's digital coin systems, wherein,
Business bank's digital coin systems are used to receiving that business bank's site system to send the One request, and according to the specified amount of money of the described first request from the account of the business bank Extract digital cash；And the second request is sent to Central Bank's digital coin systems；And After the successful instruction of the operation that Central Bank's digital coin systems are sent is received, The digital cash extracted is sent to the user terminal, wherein, first request includes User terminal identification；
Central Bank's digital coin systems are used to receive second request, and according to described Second request performs the operation of preset term and successfully indicates operation to return to the commercial silver Row digital coin systems, are included in the operation of the preset term to the digital goods of the business bank The digital cash that coin system is extracted carries out the operation of owner's change；
Wherein, described first ask to be used to use cash redemption digital cash；
Described second asks to carry out owner's change for the digital cash to extraction.
8. the system of use cash redemption digital cash according to claim 7, its feature It is, first request also includes：The amount of money of digital cash need to be extracted；
Also, business bank's digital coin systems are additionally operable in the account from the business bank Extracted in family before digital cash, confirm the digital goods in business bank's digital coin systems Coin remaining sum need to extract the amount of money of digital cash not less than described.
9. the system of use cash redemption digital cash according to claim 7, its feature It is, Central Bank's digital coin systems are performing preset term according to the described second request Operation before, be additionally operable to：
Central Bank's digital coin systems confirm that the owner of extracted digital cash is described Business bank.
10. the system of use cash redemption digital cash according to claim 7, it is special Levy and be, the operation of owner's change includes：
The owner for the digital cash that business bank's digital coin systems are extracted is by the business The wallet address of user is revised as in bank, wherein, the wallet address is public key, and public affairs Key is Hash codes.
11. the system of use cash redemption digital cash according to claim 7, it is special Levy and be, the digital cash extracted is being sent to institute by business bank's digital coin systems State after user terminal, be additionally operable to：
Business bank's digital coin systems send transaction to user terminal, and successfully prompting is believed Breath.
12. the system of use cash redemption digital cash according to claim 7, it is special Levy and be, the digital cash is character string；The user terminal is mobile phone, and the user The identifier of terminal is phone number.
CN201610178661.2A 2016-03-25 2016-03-25 Method and system for exchanging digital currency by cash Active CN107230053B (en)

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WO2019096331A1 (en) * 2017-11-20 2019-05-23 Bitmaintech Pte. Ltd. Currency settlement method, apparatus, and electronic device
CN108694579A (en) * 2018-04-19 2018-10-23 辛志荣 A kind of point-to-point and correspondent bank payment system based on internet platform
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CN109785138A (en) * 2019-02-26 2019-05-21 神州融安科技（北京）有限公司 A kind of terminal device for supporting to exchange between digital cash and commodity money
CN109919587A (en) * 2019-02-26 2019-06-21 神州融安科技（北京）有限公司 A kind of system and method for supporting to exchange between digital cash and commodity money
US20230037633A1 (en) * 2019-04-25 2023-02-09 Coinstar Asset Holdings, Llc Kiosk-based systems and methods for selling cryptocurrencies
WO2021071421A1 (en) * 2019-10-10 2021-04-15 Standard Chartered Bank (Singapore) Limited Methods, systems, and devices for managing digital assets
US11164186B2 (en) 2019-10-10 2021-11-02 Standard Chartered Bank (Singapore) Limited Methods, systems, and devices for managing digital assets
CN112633895A (en) * 2021-01-05 2021-04-09 交通银行股份有限公司 Risk control method and system for bank online website business digital currency transaction
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CN113762942A (en) * 2021-09-15 2021-12-07 虎彩印艺股份有限公司 Block chain technology-based digital asset exchange method
CN115293767A (en) * 2022-07-26 2022-11-04 北京科蓝软件***股份有限公司 Safety verification method and system for digital currency exchange of high-cabinet of bank
CN115293767B (en) * 2022-07-26 2023-03-07 北京科蓝软件***股份有限公司 Safety verification method and system for digital currency exchange of high-cabinet of bank

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