CN107230299A - The method and system of bank's storage of digital cash - Google Patents

Abstract

A kind of method and system of the bank's storage for use digital cash chip card that the present invention is provided, this method includes：Accepting terminal equipment with digital cash chip card after communication connection is set up, receive the deposit information of peripheral operation input, and send deposit information to business bank's digital coin systems, deposit information includes deposit account information, digital cash chip card information and the digital cash equivalent with amount deposited；Business bank's digital coin systems send the request for changing owner to Central Bank's digital coin systems after deposit information is received；The owner of digital cash is changed to business bank, and the amount of money of savings account is changed by Central Bank's digital coin systems after the request of change owner is received.The method and system that the bank of the use digital cash chip card provided by the present invention stores, can effectively reach the purpose for quickly and easily storing digital cash.

Description

The method and system of bank's storage of digital cash

Technical field

The present invention relates to computer network and computer software technical field, and in particular to a kind of The method and system of bank's storage of 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, as mobile payment technology is continued to develop, SE component forms also there occurs many changes, and 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.

The mode of common storage cash has the mode such as deposit receipt or bankbook, bank card deposit.

Deposit receipt or bankbook are banks with to handle a kind of credit vouchers of saving service.Deposit receipt is general Whole deposit for primary access is whole to be taken, fixed-or-current deposit, and it is more that bankbook is used for receipt and payment number of times, With successional savings species, such as installment, current savings species.Bank is handling During business, it is necessary to be capped saving service chapter and handler's signet, by relevant name in an account book, Deposit Volume, deposit the contents such as phase, access time, expiration time, account number, interest rate and fill in complete.Bank Sign and issue after deposit receipt and bankbook, the deposit to depositor bears financial responsibility.

Bank card deposit is to be issued from the financial institutions such as business bank and postal deposit and remittance mechanism to society There is consumer credit, the transfer and settlement of accounts, the credit payment of all or part of function of access cash etc. Instrument.

Deposit receipt or bankbook need manually to deposit by bank clerk in bank counter, it is impossible to self-service Complete, can so expend the time energy of depositor, and easily lose bankbook, though and bank card It can so be deposited in the sales counter or ATM of any site of business bank, but it is this Mode is limited to the Regional Distribution of business bank site, therefore above two mode all has inconvenience Part.

The content of the invention

In view of this, the present invention proposes a kind of side of bank's storage of use digital cash chip card Method and system, to reach the purpose for quickly and easily storing digital cash.Other mesh of the present invention , effect and beneficial effect can draw from embodiment.

The technical scheme is that a kind of bank's storage of use digital cash chip card is provided Method, this method includes：

Accepting terminal equipment receives outside grasp after communication connection is set up with digital cash chip card Make the deposit information inputted, and deposit information is sent to business bank's digital coin systems, deposit Money information includes deposit account information, digital cash chip card information and equivalent with amount deposited Digital cash；

Business bank's digital coin systems are after deposit information is received, to the digital goods of the Central Bank Coin system sends the request of change owner；

Central Bank's digital coin systems are after the request of change owner is received, by digital cash Owner be changed to business bank, and the amount of money of savings account is changed.

Alternatively, accepting terminal sends deposit information to the behaviour of business bank's digital coin systems Before work, in addition to：The digital cash that the legitimacy and confirmation for confirming digital cash are deposited Owner is consistent with digital cash chip card.

Alternatively, business bank's digital coin systems send to Central Bank's digital coin systems and become Before the operation of the request of more owner, in addition to：Confirm the legitimacy of digital cash, confirm silver Legitimacy and confirm that the owner of digital cash is digital cash chip card that row blocks.

Alternatively, Central Bank's digital coin systems will deposit owner's change of the digital cash of user More before the operation of business bank, in addition to：Confirm the legitimacy of digital cash, confirm number The owner of word currency is digital cash chip card.

Alternatively, the amount of money progress change to savings account is further included：By number in right registration information The wallet address of word currency is changed to business bank's code.

Alternatively, after being changed to the account amount of money for depositing user, in addition to：Commercial silver Row digital coin systems are sent for representing that transaction is successful to deposit user and accepting terminal equipment Prompt message.

Alternatively, the wallet address corresponding to digital cash chip card includes the digital cash chip The cryptographic Hash of the card number of card.

Alternatively, digital cash chip card includes following form：Visual Bluetooth IC form, IC Card form, mobile phone-eSE cards form, mobile phone-safe SD card form, mobile phone-SIM card form.

Alternatively, accepting terminal equipment is ATM.

The system that the present invention also provides a kind of bank's storage of use digital cash chip card, this is System includes：Accepting terminal equipment, business bank's digital coin systems, Central Bank's digital cash System, wherein,

Accepting terminal equipment, for being set up with digital cash chip card after communication connection, receives outer The deposit information of portion's operation input, and deposit information is sent to business bank's digital coin systems, Deposit information includes deposit account information, digital cash chip card information and with amount deposited etc. The digital cash of value；

Business bank's digital coin systems, for after deposit information is received, to the Central Bank Digital coin systems send the request of change owner；

Central Bank's digital coin systems, for after the request of change owner is received, by number The owner of word currency is changed to business bank, and the amount of money of savings account is changed.

Alternatively, accepting terminal is additionally operable to：Confirm the legitimacy of digital cash and confirm deposit The owner of digital cash be consistent with digital cash chip card.

Alternatively, business bank's digital coin systems are additionally operable to：The legitimacy of confirmation digital cash, Legitimacy and confirm that the owner of digital cash is digital cash chip card that Confirm Bank blocks.

Alternatively, Central Bank's digital coin systems are additionally operable to：The legitimacy of confirmation digital cash, The owner for confirming digital cash is digital cash chip card.

Alternatively, the amount of money progress change to savings account is further included：By number in right registration information The wallet address of word currency is changed to business bank's code.

Alternatively, business bank's digital coin systems are additionally operable to：To deposit user and accepting terminal Equipment is sent for representing the successful prompt message of transaction.

Alternatively, the wallet address corresponding to digital cash chip card includes the digital cash chip The cryptographic Hash of the card number of card.

Alternatively, digital cash chip card includes following form：Visual Bluetooth IC form, IC Card form, mobile phone-eSE cards form, mobile phone-safe SD card form, mobile phone-SIM card form.

Alternatively, accepting terminal equipment is ATM.

Method and be that the bank of the use digital cash chip card provided by the present invention stores System, can effectively reach the purpose for quickly and easily storing digital cash.

Brief description of the drawings

Technical scheme in order to illustrate the embodiments of the present invention more clearly, below will be to embodiment The accompanying drawing used required in description is briefly described, it should be apparent that, in describing below Accompanying drawing is only some embodiments of the present invention, for those of ordinary skill in the art, On the premise of not paying creative work, other accompanying drawings can also be obtained according to these accompanying drawings. In the accompanying 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 stored according to the bank of the use digital cash chip card of embodiment of the present invention Method flow diagram；

Fig. 8 is stored according to the bank of the use digital cash chip card of embodiment of the present invention System construction drawing.

Embodiment

The exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including this The various details of invention embodiment should think them only exemplary to help understanding 's.Therefore, it will be appreciated by those of ordinary skill in the art that, can to it is described herein implement Mode makes various changes and modifications, without departing from scope and spirit of the present invention.Equally, For clarity and conciseness, the description to known function and structure is eliminated 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 " D_Coin”。

D-RMB systems are to be based on D_CoinThe 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 server_CoinDistribution, 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 D_CoinFund 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.：D_CoinTransaction) 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.

D_Bank：Refer to the reserve account that bank opens up in Central Bank's centring system, be used as book keeping operation.

D_Coin：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.

D_{Coin 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.

B_Account：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, D_CoinIt 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：D_{Coin 1}、D_{Coin 5}、D_{Coin 10}、D_{Coin 20}、D_{Coin 50}、D_{Coin 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 D_{Coin 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 D_CoinSafety barrier, in D_CoinThe links of circulation are for ensureing D_Coin'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 user_{Coin 50}Exemplified by, to illustrate It is related to D in process of exchange_{Coin 50}Security 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 automatically_{Coin 50}, according to transaction Regular weaves relevant information M ‖ m, wherein M can be designed as：M=transaction code ‖ cell-phone numbers 1‖D_{Coin 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 D_{Coin 50}It is whether legal, trading rules and relevant information are understood, corresponding operating, main bag is performed Include Register's change D after business checking_{Coin 50}Owner, cell-phone number is changed to by the cell-phone number 1 bound 2, and record corresponding flowing water.Send D_{Coin 50}Merchandised 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 D_{Coin 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 1_{Coin 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 D_{Coin 50}It is whether legal, trading rules and relevant information are understood, corresponding operating, main bag is performed Include Register's change D after business checking_{Coin 50}Owner, is changed to by the H (cell-phone number 1) bound H (cell-phone number 2), and record corresponding flowing water.Send D_{Coin 50}Pointed 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 D_CoinManagement function.(1) terminal program can be automatic Count all D_CoinThe amount of money；(2) amount of money number that can be inputted according to user is automatically found " wallet " Interior D_CoinCombination, and the automatic selected D matched in payment process_CoinIt is traded；(3) After the completion of transaction, the D of expenditure will be participated in automatically_CoinDeleted；(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 D_Coin, 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.

IC-card is illustrated by for the operation flow of digital cash carrier below.

Floatation treasury is set in Central Bank's central server, business bank end sets bank storehouse.With upper phase Together, in the operation flow description of simulated scenario, business bank end is used as using " business bank " The general designation of D-RMB systems and its internal related system, Central Bank end is used as using " Central Bank " The general designation of D-RMB systems and its related system.Below by registration (applying for card drawing), extract, Four important flows such as pay, deposit and cash, using D-RMB cards as carrier, carry out face The transaction of opposite mode is illustrated.

The D-RMB cards of user apply, extract, deposit and cash be required to it is complete under presence Into, and on-line payment and offline electronic payment can be divided into payment process.User leads in a secure manner Get after D-RMB chip cards, you can deposit D into D-RMB chip cards_Coin.D-RMB cores Piece card includes integrated circuit and storage medium, and can both be made individually has normal size (example Such as the size of bank card used at present) card, can also collect in the processing procedure of integrated circuit Into into other chips or card.For example, D-RMB chip cards can be following several forms：Can Depending on Bluetooth IC (hereinafter referred to as visual IC-card), common IC-card, mobile phone-eSE form (hands Machine embeds IC-card), mobile phone-safe SD card form (built-in security SD card), mobile phone-SIM Card form and mobile phone-cloud SE forms.D is briefly described with reference to concrete scene_CoinExtraction, Consumption, the flow such as storage, and refer in corresponding scene applicable D-RMB chip cards form (with It is lower that all D-RMB chip cards forms above-mentioned are referred to using " holotype state ").

The application of D-RMB chip cards

Process description：User applies for D-RMB chip cards to business bank's cabinet face.

It is applicable D-RMB chip card forms：Holotype state

Scene explanation：Slightly.

Step explanation：

Step 1. user submits Association Identity certificate information, application to business bank's cabinet face D-RMB chip cards；

Step 2. business bank：Register D-RMB systems page typing applicant and card is related Information (such as name, address, e-mail address, cell-phone number, identification card number, card number), D-RMB accounts are created for the user in business bank's D-RMB systems, and are sent to center Bank's D-RMB systems (IBC authentication centers)；D-RMB chip cards can be designed as completely Anonymity, if secure anonymous then without typing applicant's identity information.Controllable anonymity is pressed herein Design, is bound card number with applicant's identity information on backstage.

Step 3. Central Bank：In IBC central authentications its uniqueness, (this sentences card number for account Citing).IBC centers：The private key of user is produced according to card number, public key is D-RMB chip cards Number, circulation is traded using public key as account；

Step 4. business bank：Operated by transaction prompt, download private key for user and Central Bank is public Key (writes card and plants key) to D-RMB chip cards protection zone, completes the initialization of card, delivers card Piece completes important documents registration work, closing the transaction to user.

Extract flow

Process description：The assets of cash in kind or its bank account are converted to D by user_CoinWrite-in In card.Extract for the first time and D-RMB chip card application processes, following description are also included in flow Some flows, scene and step after user's card drawing.

With cash withdrawal D_CoinActually namely D_CoinExchange, be been described by below.

Process description：User takes cash withdrawal D in kind_CoinTo D-RMB chip cards

Scene explanation：With cash redemption D_Coin, such as user is by 250 yuan of cashes to ATM or business Bank counter (such as industrial and commercial bank site) exchanges D_Coin, explanation is deployed so that cabinet face is operated as an example.

It is applicable D-RMB chip card forms：Holotype state

Step explanation：

Step 1. user submits D-RMB chip cards and cash to business bank such as industrial and commercial bank site 250 yuan require that the D of the corresponding amount of money is exchanged in application_Coin；

Step 2. business bank：Check cash, checking related legitimate (D in such as bank storehouse_Coin Whether cover), the book keeping operation of oneself built-in system is completed, D draws in storehouse in bank_{Coin 100}, D_{Coin 100}' And D_{Coin 50}；Sent and asked to Central Bank's D-RMB systems according to trading rules tissue relevant information；

Step 3. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}, D_{Coin 100}' and D_{Coin 50}Whether owner is industrial and commercial bank etc.), associative operation is performed, Register：Change D_{Coin 100}, D_{Coin 100}' and D_{Coin 50}Owner, by industrial and commercial bank's generation of binding Code is changed to the corresponding wallet address of D-RMB chip cards；Record respective transaction flowing water；

Step 4. business bank：By D_{Coin 100}, D_{Coin 100}' and D_{Coin 50}Write user D-RMB Chip card, completes internal corresponding operating, successful print strip of merchandising.

ATM flows are substantially ibid.

Except cash in kind is converted into D_Coin, can also be from user's bank account in write-in card Transfer accounts, extract D_CoinTo D-RMB chip cards.It is illustrated below.

Process description：User is from B_AccountIn transfer accounts extraction D_CoinTo D-RMB chip cards.

It is applicable D-RMB chip card forms：Holotype state

Scene explanation：User is from industrial and commercial bank account B_AccountIn transfer accounts extraction 250 yuan of D_CoinArrive D-RMB chip cards, it can be operated the silver of oneself by business bank's cabinet face, ATM etc. Row account B_AccountTurn 250 yuan and be extracted as D_CoinWrite in D-RMB chip cards.Different channel read-writes Card apparatus is different, and substantially flow is identical, is not illustrated one by one here, is only grasped with bank counter Illustrated as example.

Step explanation：

Step 1. user：250 yuan of extraction D are proposed to business bank's cabinet face teller_CoinApplication, is carried Bank card and D-RMB chip cards are handed over, relevant document is filled in, B is inputted_AccountAccount password；

Step 2. business bank：Related legitimate is verified, account password, user's fund is such as veritified Account is B_AccountWhether remaining sum covers, D in bank storehouse_CoinWhether cover；Check and pass through rear B_{Account Number}Withhold 250 yuan, D draws in storehouse in bank_{Coin 100}, D_{Coin 100}' and D_{Coin 50}；According to trading rules group Knit relevant information and send request to Central Bank's D-RMB systems；

Step 3. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}, D_{Coin 100}' and D_{Coin 50}Whether owner is industrial and commercial bank etc.), associative operation is performed, Register：Change D_{Coin 100}, D_{Coin 100}' and D_{Coin 50}Owner, by industrial and commercial bank's generation of binding Code is changed to the wallet address of D-RMB chip cards；Record respective transaction flowing water；

Step 4. business bank：By D_{Coin 100}, D_{Coin 100}' and D_{Coin 50}Write user D-RMB Chip card, completes internal corresponding operating, successful print strip of merchandising.

This flow is not only user's drawing flow, while being also the digital goods of a D-RMB Flow of the coin from bank storehouse to user terminal, i.e., the field flow that circulates of legal digital cash.

The payment flow based on D-RMB chip cards is illustrated below.User holds D-RMB Chip card payment transactions, can hold to consume in businessman's POS of networking, can hold Card is paid to online mobile phone, and also support card (is paid) in online payment consumption on line. Off line POS is paid, to the mobile-phone payment of no signal in addition, also being held under offline scenario, Support card to card payment.These payment process can also be subdivided into account in full and pay and small change payment, It will illustrate one by one below.

Process description：The online payment in businessman's POS of D-RMB chip cards.

Scene explanation：On-line payment is also named in online payment, is related to account in full and is paid and small change payment two Plant scene.For example payment user D-RMB chip cards 1 have digital cash D_{Coin 100}, D_{Coin 100}', D_{Coin 50}, it is represented respectively and possesses 100 yuans two and one 50 yuans, is amounted to 250 yuans, now need to pay 200 yuans of gathering businessman user 2 (POS 2), Also need to pay another 30 yuans of gathering businessman user 3 (POS 3).Assuming that POS Machine businessman user is industrial and commercial bank client.User D-RMB chip cards 1 pay POS 2 It is that account in full is paid, it is that small change is paid that user 1, which pays POS 3,.Small change is paid can be with reality Thing currency is the same, and POS 3 is if any D_{Coin 20}, first can be paid the bill by user D-RMB chip cards 1 50 yuan are given businessman's POS 3, then pay the bill 20 yuan to user's D-RMB cores by businessman's POS 3 Piece card 1, i.e., by account in full twice pay realize (if digital cash is issued according to least unit, Small change problem is then not present), or by user D-RMB chip cards 1 first to D-RMB systems System application change is exchanged, then pays businessman's POS by the change selection combination account in full after exchange 3。

It is applicable D-RMB chip card forms：Holotype state, including mobile phone.

Step illustrates (account in full payment)：

Step 1.POS machines 2：200 yuan of spending amount is inputted in POS；

Step 2.D-RMB chip cards 1：Communicated by wave points such as NFC with POS, It is automatic to choose the digital cash D that the amount of money is 200 yuan_{Coin 100}'、D_{Coin 100}, it is sent to POS；

Step 3.POS machines 2：Receive D_{Coin 100}'、D_{Coin 100}, related legitimate inspection is carried out, as before Step card tests D-RMB and judges whether the amount of money is enough etc., according to trading rules tissue relevant information It is sent to business bank's D-RMB systems；

Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}'、D_{Coin 100}Whether legitimacy, dealing money is consistent with digital cash value of money), perform Corresponding operating, and please to Central Bank's D-RMB systems transmission according to trading rules reorganization message Ask；

Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}, D_{Coin 100}' whether owner be D-RMB chip cards 1 etc.), associative operation is performed, is stepped on Note center：Change D_{Coin 100}, D_{Coin 100}' owner, by the wallet of D-RMB chip cards 1 of binding Location is changed to the corresponding merchant code of POS 2；Record respective transaction flowing water；

Step 5. business bank：Send D_{Coin 100}'、D_{Coin 100}To POS 2, transmission is merchandised into The prompt message of work(.

Step 6.POS machines 2：Strip is beaten, transaction is completed.

Simulation businessman receives cash process in kind completely above, is deposited in the process in POS 2 Put D_Coin.This process is automatic by D it can also be designed to businessman_CoinDump to settlement accounts.It is specific as follows：

Step 1.POS machines 2：200 yuan of spending amount is inputted in POS；

Step 2.D-RMB chip cards 1：Communicated by wave points such as NFC with POS, It is automatic to choose the digital cash D that the amount of money is 200 yuan_{Coin 100}'、D_{Coin 100}, it is sent to POS；

Step 3.POS machines 2：Related legitimate inspection is carried out, step card tests D-RMB simultaneously as before Judge that whether the amount of money is enough etc., and business bank is sent to according to trading rules tissue relevant information D-RMB systems；

Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}'、D_{Coin 100}Whether legitimacy, dealing money is consistent with digital cash value of money), perform Receive D in corresponding operating, bank storehouse_{Coin 100}'、D_{Coin 100}, and according to trading rules reorganize message to Central Bank's D-RMB systems send request；

Step 5. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}, D_{Coin 100}' whether owner be D-RMB chip cards 1 etc.), associative operation is performed, is stepped on Note center：Change D_{Coin 100}, D_{Coin 100}' owner, by the wallet of D-RMB chip cards 1 of binding Location is changed to the corresponding business bank's code of Merchant ID；Record respective transaction flowing water；

Step 6. business bank：The amount of money in businessman's user's Bank Account Number is increased into 200 yuan, feedback Relevant information；

Step 7.POS machines 2：Strip is beaten, transaction is completed.

Step illustrates (change exchange)：

Step 1.POS machines 3：D-RMB chip cards are inserted, selection function is " whole to change zero ", input： Redemption amount (such as 50 yuan), face amount requires (such as 20 yuan two pieces, 10 yuan one piece)；Click on " transmission "；

Step 2.D-RMB chip cards and POS 3：The automatic digital cash for choosing 50 yuan is such as D_{Coin 50}, according to trading rules tissue relevant information, and it is sent to business bank's D-RMB systems；

Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 50}Whether legitimacy, dealing money is consistent with digital cash value of money), corresponding operating is performed, Bank storehouse：Receive D_{Coin 50}, draw D_{Coin 20}、D_{Coin 20}'、D_{Coin 10}；And according to trading rules again group Knit message and send request to Central Bank's D-RMB systems；

Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 20}、D_{Coin 20}'、D_{Coin 10}And D_{Coin 50}Whether owner is legal etc.), associative operation is performed, is stepped on Note center：Change D_{Coin 20}、D_{Coin 20}’、D_{Coin 10}And D_{Coin 50}Owner, by D_{Coin 50}Binding The wallet address of D-RMB chip cards 1 is changed to industrial and commercial bank's code, D_{Coin 20}、D_{Coin 20}'、D_{Coin 10} Industrial and commercial bank's code of binding is changed to the wallet address of D-RMB chip cards 1；Record respective transaction Flowing water；

Step 5. business bank：Send D_{Coin 20}、D_{Coin 20}'、D_{Coin 10}D-RMB is write to POS 3 Chip card 1, sends transaction successful information.

Other transaction flows are paid with account in full.I.e.：

Step 6.POS machines 3：30 yuan of spending amount is inputted in POS；

Step 7.D-RMB chip cards 1：Communicated by wave points such as NFC with POS, It is automatic to choose the digital cash D that the amount of money is 30 yuan_{Coin 20}、D_{Coin 10}；It is sent to POS；

Step 8.POS machines 3：Receive D_{Coin 20}、D_{Coin 10}, related legitimate inspection is carried out, it is such as preliminary Test card to test D-RMB and judge whether the amount of money is enough etc., sent out according to trading rules tissue relevant information It is sent to business bank's D-RMB systems；

Step 9. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 20}、D_{Coin 10}Whether legitimacy, dealing money is consistent with digital cash value of money), perform phase It should operate, and message is reorganized according to trading rules and be asked to Central Bank's D-RMB systems transmission；

Step 10. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 20}、D_{Coin 10}Whether owner is D-RMB chip cards 1 etc.), perform associative operation, registration Center：Change D_{Coin 20}、D_{Coin 10}' owner, the wallet address of D-RMB chip cards 1 of binding is changed For the corresponding merchant code of POS 3；Record respective transaction flowing water；

Step 11. business bank：Send D_{Coin 20}、D_{Coin 10}To POS 3, transmission is merchandised successfully Prompt message；

Step 12.POS machines 3：Strip is beaten, transaction is completed.

Program linkage processing is may be designed as more than in concrete application program development process.

Process description：Visual D-RMB chip cards on-line payment on mobile phone.

Scene explanation：The payment visual D-RMB chip cards 1 of user have digital cash D_{Coin 100}, D_{Coin 100}', D_{Coin 50}, it is represented respectively possesses 100 yuans two and one 50 yuans, 250 yuans altogether, now need to pay 200 yuans of gathering user 2 (mobile phone 2).

It is applicable D-RMB chip card forms：Visual D-RMB chip cards

Step explanation：

Step 1.D-RMB chip cards 1：200 yuan of the amount of money is inputted, passes through the nothings such as bluetooth, NFC Line technology and mobile communication, it is automatic to choose the digital cash D that the amount of money is 200 yuan_{Coin 100}'、D_{Coin 100}, It is sent to mobile phone；

Step 2. mobile phone 2：Receive D_{Coin 100}'、D_{Coin 100}, related legitimate inspection is carried out, it is such as preliminary Test card to test D-RMB and judge whether the amount of money is enough etc., sent out according to trading rules tissue relevant information It is sent to business bank's D-RMB systems；

Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}'、D_{Coin 100}Legitimacy, whether dealing money is consistent with digital cash value of money, mobile phone 2 is It is no for registered user etc.), perform corresponding operating, and according to trading rules reorganize message to Central Bank's D-RMB systems send request；

Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}'、D_{Coin 100}Whether owner is D-RMB chip cards 1, dealing money whether with digital goods Coin value of money is consistent), perform associative operation, Register：Change D_{Coin 100}'、D_{Coin 100}Owner, The wallet address of D-RMB chip cards 1 of binding is changed to the wallet address of user 2；Record respective quadrature Easy flowing water；

Step 5. business bank：To the feedback trading successful information of mobile phone 2, if D-RMB chips Reserved in card application process and opened mobile phone reminding business, then simultaneously to D-RMB chip cards correspondence Mobile phone sends transaction related information；

Step 6. mobile phone 2：To D-RMB chip card feedback trading OK, merchandise successfully.

Process description：Opened D-RMB chip cards on-line payment on mobile phone of mobile phone reminding.

Scene explanation：User D-RMB chip cards 1 of paying the bill reserve mobile phone in application process Number and open SMS notification function, D-RMB chip cards 1 have digital cash D_{Coin 100}, D_{Coin 100}', D_{Coin 50}, it is represented respectively and possesses 100 yuans two and one 50 yuans, is amounted to 250 yuans, now need to pay 200 yuans of gathering user 2 (mobile phone 2).

It is applicable D-RMB chip card forms：Mobile phone, opened SMS remind service D-RMB chip cards.

Step explanation：

Step 1. mobile phone 2：Selection function menu " other side's card is paid ", inputs payment 200 Member；

Step 2.D-RMB chip cards 1：By the wireless technologys such as bluetooth, NFC and mobile communication, It is automatic to choose the digital cash D that the amount of money is 200 yuan_{Coin 100}'、D_{Coin 100}, it is sent to mobile phone；

Step 3. mobile phone 2：Receive D_{Coin 100}'、D_{Coin 100}, related legitimate inspection is carried out, it is such as preliminary Test card to test D-RMB and judge whether the amount of money is enough etc., sent out according to trading rules tissue relevant information It is sent to business bank's D-RMB systems；

Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as Whether D-RMB chip cards 1 have a corresponding SMS prompting function, dealing money whether with numeral Currency value is consistent, and to strengthen air control management, can also add and be registered with D-RMB chip cards 1 The trade confirmation of mobile phone), perform corresponding operating, and according to trading rules reorganize message to Central Bank's D-RMB systems send request；

Step 5. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}'、D_{Coin 100}Whether owner is D-RMB chip cards 1, dealing money whether with digital goods Coin value of money is consistent), perform associative operation, Register：Change D_{Coin 100}'、D_{Coin 100}Owner, The wallet address of D-RMB chip cards 1 of binding is changed to the wallet address of user 2；Record respective quadrature Easy flowing water；

Step 6. business bank：To the feedback trading successful information of mobile phone 2, to D-RMB chips Card correspondence mobile phone sends transaction related information.

Flow is also designed to the confirmation that D-RMB chip cards correspondence mobile phone is participated in business herein, Detail can be determined by business department.

Process description：D-RMB chip cards are paid on online line.

Scene explanation：Payment user D-RMB chip cards 1 have digital cash D_{Coin 100}, D_{Coin 100}', And D_{Coin 50}, it is represented respectively possesses 100 yuans two and one 50 yuans, 250 yuans altogether, surfed the Net now by personal terminal card reader or mobile phone on line, in net Upper carry out online shopping, need to pay 250 yuans of businessman user of gathering.

Use D-RMB chip card forms：Holotype state

Step explanation：

Step 1. payment user：Commodity are selected in certain businessman's shopping website or APP, D is selected_Coin Pay；

Step 2. businessman user：Call D-RMB systems to pay plug-in unit, obtain D-RMB chips Card relevant information and the D in it_{Coin 100}、D_{Coin 100}'、D_{Coin 50}, related legitimate inspection is carried out, Step card tests D-RMB and judges that whether the amount of money is enough etc., includes according to trading rules tissue as before Relevant information including merchant bank accounts information is sent to business bank's D-RMB systems；

Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}Legitimacy, whether dealing money is consistent with digital cash value of money, business Family Bank Account Number whether can with etc.), perform corresponding operating, bank storehouse：Receive D_{Coin 100}、D_{Coin 100}'、 D_{Coin 50}, and message is reorganized to Central Bank's D-RMB systems transmission request according to trading rules；

Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}Whether owner is D-RMB chip cards 1, dealing money whether with Digital cash value of money is consistent), perform associative operation, Register：Change D_{Coin 100}、D_{Coin 100}' and D_{Coin 50}Owner, trade company's account is changed to by the wallet address of D-RMB chip cards 1 of binding Number corresponding bank of deposit's code；Record respective transaction flowing water；

Step 5. business bank：Increase the corresponding amount of money (250 yuan) in Merchant Account, notify Trade company collects money successfully；

Step 6. businessman user：Payment transaction success, the delivery of line undertissue, relevant information on line Feedback payment user；

If being related to small change operation, the POS on-line payment flows being described above are can refer to.

Above emphasis is described in the several typical application scenarios of on-line payment of D-RMB chip cards Flow and specific steps, for the offline electronic payment of D-RMB chip cards, will be included in below from The typical case such as offline electronic payment applied field between line POS, the mobile phone without network signal and card and card Scape is described.

Offline electronic payment defined in D-RMB systems refers to that near field is paid, during this, Recipient needs online confirmation gathering afterwards.As flow above, during offline electronic payment, receive Money user is to the D that receives_CoinThe true and false of digital cash was able to verify that at that time, but was still needed to D_CoinWhether enter Went to repeat to pay and carry out background authentication.Its mentality of designing is：The D of payment verification need to be repeated_Coin " payment verification to be repeated " is designated in client electronic wallet program (such as POS), POS is once linked to network, just carries out repeating payment verification application from trend D-RMB systems. D-RMB systems receive checking application and perform corresponding operating, in Register's amended record transaction journal, Update D_CoinOwner.Such as payee is not the registered user of D-RMB systems, and system can also be recorded The withdrawal password that payee reserves, will be illustrated below.

Process description：D-RMB chip cards offline electronic payment in businessman's POS.

Scene explanation：Payment user D-RMB chip cards 1 have digital cash D_{Coin 100}, D_{Coin 100}', And D_{Coin 50}, it is represented respectively possesses 100 yuans two and one 50 yuans, 250 yuans altogether, now need to pay gathering businessman user 2 (POS 2) 200 yuan of people People's coin, businessman user POS off-line state.

It is applicable D-RMB chip card forms：Holotype state, including mobile phone.

Step explanation：

Step 1.POS machines 2：Offline electronic payment is selected in POS, 200 yuan of spending amount is inputted；

Step 2.D-RMB chip cards 1：Communicated by wave points such as NFC with POS, It is automatic to choose the digital cash D that the amount of money is 200 yuan_{Coin 100}'、D_{Coin 100}, it is sent to POS；

Step 3.POS machines 2：Receive D_{Coin 100}'、D_{Coin 100}, related legitimate inspection is carried out, is such as tested Card tests D-RMB and judges whether the amount of money is enough etc., closing the transaction face to face after verification passes through, printing Strip.POS is once linked to network, and just from trend business bank, D-RMB systems are repeated Payment verification application, D-RMB systems of business bank are sent to according to trading rules tissue relevant information System；

Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}'、D_{Coin 100}Whether legitimacy, dealing money is consistent with digital cash value of money), perform Corresponding operating, and please to Central Bank's D-RMB systems transmission according to trading rules reorganization message Ask；

Step 5. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}, D_{Coin 100}' whether owner be D-RMB chip cards 1 etc.), associative operation is performed, is stepped on Note center：Change D_{Coin 100}'、D_{Coin 100}Owner, by the wallet of D-RMB chip cards 1 of binding Location is changed to the corresponding merchant code of POS 2；Record respective transaction flowing water；

Step 6. business bank：To the feedback validation successful information of POS 2.

Simulation businessman receives cash process in kind completely above, is deposited in the process in POS 2 Put D_Coin.This process is automatic by D it can also be designed to businessman_CoinDump to settlement accounts.It is specific as follows：

Step 1.POS machines 2：Once networking, just according to trading rules by Transaction Information, receive All D_CoinThe relevant information such as information and businessman's user's Bank Account Number is sent automatically to business bank；

Step 2. business bank：Carry out related legitimate checking, bank storehouse：Receive D_{Coin 100}, D_{Coin 100}', Central Bank's D-RMB systems are sent to according to trading rules tissue relevant information；

Step 3. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_CoinWhether owner is D-RMB chip cards 1, and whether dealing money is consistent with digital cash value of money Deng), perform corresponding operating.Register：Change D_{Coin 100}'、D_{Coin 100}Owner, by binding The wallet address of D-RMB chip cards 1 is changed to the corresponding business bank's code of Merchant ID；Record phase Answer transaction journal；

Step 4. business bank：The amount of money in businessman's user's Bank Account Number is increased into the corresponding amount of money, instead Present relevant information；

Step 5.POS machines 2：Account strip is squeezed into, transaction is completed.

Process description：D-RMB chip cards offline electronic payment on mobile phone.

It is applicable D-RMB chip card forms：Visual D-RMB chip cards.

Scene explanation：Whether it is registered user according to gathering user, is divided to two kinds of scene discussion.Pay The visual D-RMB chip cards 1 of money have digital cash D_{Coin 100}, D_{Coin 100}', D_{Coin 50}, represent respectively It possesses 100 yuans two and one 50 yuans, 250 yuans altogether, existing Offline electronic payment is needed to gathering user 2 200 yuans of (cell-phone number 2), also need offline electronic payment to Another 50 yuans of gathering user 3 (cell-phone number 3).Wherein, user 2 is D-RMB systems The registered user of system, and user 3 does not register, and is only that D-RMB visitors are loaded with about 3 in mobile phone Family end.

Illustrate (requestee and payee are registered users) to the offline electronic payment step of user 2：

Step 1.D-RMB chip cards：Input Payment Amount (such as 200 yuan), by bluetooth, The wireless technologys such as NFC and mobile communication, it is automatic to choose the digital cash D that the amount of money is 200 yuan_{Coin 100}' And D_{Coin 100}, it is sent to mobile phone；

The cell-phone customer terminal of step 2. user 2：Trading rules and relevant information are understood, checking is related Legitimacy (such as D_{Coin 100}'、D_{Coin 100}Whether legitimacy, dealing money is consistent), after when Face closing the transaction.Treat containing for being signed with payment user D-RMB chip cards 1 under on line state D_CoinPayment transaction information reports business bank's D-RMB systems, and (Terminal Design can automatically network and test Card)；

Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}'、D_{Coin 100}Whether legitimacy, dealing money is consistent with digital cash value of money), perform Corresponding operating, and please to Central Bank's D-RMB systems transmission according to trading rules reorganization message Ask；

Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}, D_{Coin 100}' whether owner be D-RMB chip cards 1 etc.), associative operation is performed, is stepped on Note center：Change D_{Coin 100}'、D_{Coin 100}Owner, by the wallet of D-RMB chip cards 1 of binding Location is changed to the wallet address of user 2；Record respective transaction flowing water；

Step 5. business bank：Information alert is sent to be proved to be successful.

Illustrate (payee is nonregistered user) to the offline electronic payment step of user 3：

The cell-phone customer terminal of step 1. user 3：Cell-phone customer terminal APP is logged in, selection function is " non- Registered user collects money offline ", input：The pin that collection amount (such as 50 yuan), payee stay Code (is inputted, to prove remittee's identity use) by user 3, is clicked on " beginning Card Reader "；

Step 2. D-RMB chip cards：Input Payment Amount (such as 50 yuan), by bluetooth, The wireless technologys such as NFC and mobile communication, it is automatic to choose the digital cash D that the amount of money is 50 yuan_{Coin 50}, Start and mobile communication；

The cell-phone customer terminal of step 3. user 3：Trading rules and relevant information are understood, checking is related Legitimacy (such as D_{Coin 50}Whether legitimacy, dealing money is consistent), transaction is tied face to face after Beam.Automatically will be with payment D-RMB chip card signatures, containing D under on line state_CoinPay and hand over Easy information and personal reserving cipher report business bank's D-RMB systems for information about；

Step 4. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 50}Whether legitimacy, dealing money is consistent with digital cash value of money), corresponding operating is performed, And message is reorganized to Central Bank's D-RMB systems transmission request according to trading rules；

Step 5. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 50}Whether owner is D-RMB chip cards 1 etc.), perform associative operation, Register： To D_CoinOwner is updated, and leaves the password of payee；Record respective transaction flowing water；

Step 6. business bank：Information alert is sent to be proved to be successful and note taking good care of password.Receive Money people need to show oneself cell-phone number and correct reserving cipher when cashing.

Process description：Offline electronic payment of the D-RMB chip cards to D-RMB chip cards.

It is applicable D-RMB chip card forms：Visual D-RMB chip cards.

Scene explanation：Visual D-RMB chip cards 1 of paying the bill have digital cash D_{Coin 100}, D_{Coin 100}', And D_{Coin 50}, it is represented respectively possesses 100 yuans two and one 50 yuans, 250 yuans altogether, offline electronic payment is now needed to the visual RMB of gathering D-RMB chip cards 2 200 yuan.

Step 1.D-RMB chip cards 1：Input Payment Amount (such as 200 yuan), by bluetooth, The wireless technologys such as NFC and mobile communication, it is automatic to choose the digital cash D that the amount of money is 200 yuan_{Coin 100}' And D_{Coin 100}, it is sent to D-RMB chip cards 2；

Step 2.D-RMB chip cards 2：Trading rules and relevant information are understood, checking is mutually closed Method (such as D_{Coin 100}'、D_{Coin 100}Whether legitimacy, dealing money is consistent), pass through rear display Collection amount 200, face to face closing the transaction.Treat under on line state (such as by personal terminal card reader Networking) contain D by what is signed with payment user D-RMB chip cards 1_CoinIn payment transaction information Report business bank's D-RMB systems；

Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}'、D_{Coin 100}Whether legitimacy, dealing money is consistent with digital cash value of money), perform Corresponding operating, and please to Central Bank's D-RMB systems transmission according to trading rules reorganization message Ask；

Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}, D_{Coin 100}' whether owner be D-RMB chip cards 1 etc.), associative operation is performed, is stepped on Note center：The corresponding flowing water of afterthought, updates D_{Coin 100}'、D_{Coin 100}Owner, by the D-RMB of binding The wallet address of chip card 1 is changed to the wallet address of D-RMB chip cards 2；

Step 5. business bank：Information alert is sent to be proved to be successful and write D-RMB chip cards 2 Upper D_CoinState is to be verified and can normally use.

On the small change problem during offline electronic payment, because being complete simulation issue by denomination, then Such as cash transaction, small change can be realized by two-way account in full Payment under the conditions of having change. If digital cash is issued according to least unit, in the absence of small change problem.

Deposit flow is illustrated again below.

Process description：User is by D in D-RMB chip cards_CoinIt is stored in Bank Account Number.

It is applicable D-RMB chip card forms：Holotype state

Scene explanation：The D-RMB chip cards 1 of user have digital cash D_{Coin 100}, D_{Coin 100}', D_{Coin 50}, it is represented respectively and possesses 100 yuans two and one 50 yuans, is amounted to 250 yuans, it can pass through business bank's cabinet face, ATM, Web bank or mobile phone silver Row is operated D_CoinStore the bank account B of oneself_AccountIn, different channel card-reading apparatus are different, Substantially flow is identical, is not illustrated one by one here, and step explanation is carried out only by taking ATM as an example.

Step explanation：

Step 1. user inserts bank card and D-RMB chip cards (ATM into ATM Also support to wave card operation, so can also support the D-RMB chip cards of mobile phone-XX forms), Select D-RMB deposit business；

Step 2.ATM machines：Point out user input amount deposited；

Step 3. user：250 yuan of amount deposited is inputted, and clicks on determination；

Step 4.ATM machines：ATM takes out D out of D-RMB chip cards_{Coin 100}、D_{Coin 100}'、 D_{Coin 50}, and the true and false and owner are verified, after being verified, by bank's card number and D_{Coin 100}、D_{Coin 100}' and D_{Coin 50}Bank card is sent to according to trading rules tissue relevant information to open an account business bank D-RMB systems；

Step 5. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}Legitimacy, bank card legitimacy, dealing money whether with digital goods Coin value of money is consistent), perform corresponding operating, bank storehouse：Receive D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}, And message is reorganized to Central Bank's D-RMB systems transmission request according to trading rules；

Step 6. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}Whether owner is D-RMB chip cards 1 etc.), perform related behaviour Make, Register：Update D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}Owner, by the D-RMB cores of binding The wallet address of piece card 1 is changed to correspondence business bank code；The related flowing water of record；

Step 7. business bank：Increase by 250 yuan in the B accounts of user；Feedback-related information；

Step 8.ATM machines：Prompting deposit is completed, and asks user to fetch bank card and D-RMB Chip card.

Cash flows are illustrated again below.

Process description：User is by D in D-RMB chip cards_CoinConvert to cash in kind.

It is applicable D-RMB chip card forms：Holotype state

Scene explanation：The D-RMB chip cards 1 of user have digital cash D_{Coin 100}, D_{Coin 100}', D_{Coin 50},

It is represented respectively possesses 100 yuans two and one 50 yuans, altogether 250 Yuan, it can be by business bank's cabinet face, ATM application by D_CoinConvert in kind existing Gold, now carries out step explanation so that ATM exchanges 100 yuan notes as an example.

Step explanation：

D-RMB chip cards are inserted ATM by step 1. user, (ATM also supports that waving card operates, So can also support the D-RMB chip cards of mobile phone-XX forms) selection exchange for ready money business, It is 100 yuan to input redemption amount；

Step 2.ATM and D-RMB chip card：The automatic amount of money of choosing is 100 yuan of digital cash D_{Coin 100}, business bank's D-RMB systems are sent to according to trading rules tissue relevant information；

Step 3. business bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}Whether legitimacy, dealing money is consistent with digital cash value of money), corresponding operating is performed, Bank storehouse：Receive D_{Coin 100}, and message is reorganized to Central Bank's D-RMB systems according to trading rules Send request；

Step 4. Central Bank：Trading rules and relevant information are understood, checking related legitimate is (such as D_{Coin 100}Whether owner is D-RMB chip cards 1 etc.), perform associative operation, Register： Update D_{Coin 100}Owner, correspondence commercial silver is changed to by the wallet address of D-RMB chip cards 1 of binding Line code；The related flowing water of record；

Step 5. business bank：Feedback-related information；

Step 6.ATM：Counting, which is told, gives the yuan note of user 100；Retract completion transaction.

D-RMB chip cards are added as repeat business detection during digital cash carrier again below With explanation.In embodiments of the present invention, i.e., in the case of online transaction, D-RMB systems pass through D_CoinCarry out anti-repeat business with the binding mode of user's card number 11.There is Register in D-RMB systems One right registration table, record sheet pattern can be designed such as table 1：

Table 1：

Digital cash name	Owner	Remarks
			Pbc100adfkl09987766670	ICC00000001	DCoin 100
……	……	……
			Pbc50cadfkl09987766670	ICC00000002	DCoin 50

User D-RMB chip cards 1 (D-RMB chip cards unique identifying number ICC00000001) To user D-RMB chip cards 2 (D-RMB chip cards unique identifying number ICC00000002) Pay D_{Coin 100}During, D-RMB systems Register right registration table：Change D_{Coin 100}It is right Owner is answered, cell-phone number ICC00000001 corresponding wallet addresses in owner's field Central Plains are changed to The corresponding wallet addresses of cell-phone number ICC00000002, if user D-RMB chip cards 1 are still wanted to Use D_{Coin 100}Paid to other user D-RMB chip cards, now its owner has not been user D-RMB chip cards 1, it is impossible to complete to pay, prevent 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.

While the transaction that can be set is for personal user as small amount payment (being less than 1000 yuan) One acceptable scope, and using mechanism of calling to account afterwards, record of bad behavior is levied typing Letter system is to discipline as a warning.

Digital cash is carried out to the use digital cash chip card in embodiment of the present invention again below The method and system of payment is described in further detail.

Application scenarios overview

Bank's storage of the use digital cash chip card of embodiment of the present invention has been illustrated below The application scenarios of method, the application scenarios include：

Deposit user has two face amounts in its account (hereinafter referred to as D-RMB chip cards) For 100 yuan of digital cash (hereinafter referred to as D_Coin), a face amount is 50 yuan of D_Coin, i.e., The user possesses two 100 yuans and one 50 yuans, 250 yuans altogether.

Assuming that deposit user passes through business bank's sales counter, ATM, Web bank, mobile phone silver Row operation, by D_CoinOneself is stored in the account of business bank.

Illustrative methods

With reference to above-mentioned application scenarios, with reference to Fig. 7 to exemplary embodiment of the invention Method is introduced.This method includes：

Step A1：Accepting terminal equipment connects after communication connection is set up with digital cash chip card The deposit information of peripheral operation input is received, and deposit information is sent to business bank's digital cash System, deposit information include deposit account information, digital cash chip card information and with deposit The equivalent digital cash of the amount of money；

Step A2：Business bank's digital coin systems are after deposit information is received, to central silver Row digital coin systems send the request of change owner；

Step A3：Central Bank's digital coin systems, will after the request of change owner is received The owner of digital cash is changed to business bank, and the amount of money of savings account is changed.

Alternatively, accepting terminal sends deposit information to the behaviour of business bank's digital coin systems Before work, in addition to：The digital cash that the legitimacy and confirmation for confirming digital cash are deposited Owner is consistent with digital cash chip card.

Alternatively, business bank's digital coin systems send to Central Bank's digital coin systems and become Before the operation of the request of more owner, in addition to：Confirm the legitimacy of digital cash, confirm silver Legitimacy and confirm that the owner of digital cash is digital cash chip card that row blocks.

Alternatively, Central Bank's digital coin systems will deposit owner's change of the digital cash of user More before the operation of business bank, in addition to：Confirm the legitimacy of digital cash, confirm number The owner of word currency is digital cash chip card.

Alternatively, the amount of money progress change to savings account is further included：By number in right registration information The wallet address of word currency is changed to business bank's code.

Alternatively, after being changed to the account amount of money for depositing user, in addition to：Commercial silver Row digital coin systems are sent for representing that transaction is successful to deposit user and accepting terminal equipment Prompt message.

Alternatively, the wallet address corresponding to digital cash chip card includes the digital cash chip The cryptographic Hash of the card number of card.

Alternatively, digital cash chip card includes following form：Visual Bluetooth IC form, IC Card form, mobile phone-eSE cards form, mobile phone-safe SD card form, mobile phone-SIM card form.

Alternatively, accepting terminal equipment is ATM.

The present invention is specifically described with reference to a specific embodiment, but is worth noting Be the specific embodiment merely to preferably describing the present invention, do not constitute to the present invention's It is improper to limit.

First, in the site of any one domestic commercial banks, deposit user sets to accepting terminal Bank card and digital cash chip card are inserted in standby (hereinafter referred to as ATM) (hereinafter referred to as D-RMB chip cards), select D-RMB deposit business.In an embodiment of the present invention, should ATM is also supported to wave card operation, so can also support the D-RMB cores of mobile phone-XX forms Piece card.

The ATM points out the amount deposited of input to deposit user, and deposit user just inputs Amount deposited is 250 yuan and determines the amount deposited.Then, the ATM is from D-RMB cores The D that the amount of money is 100 yuan is chosen in piece card_{Coin 100}、D_{Coin 100}' and the amount of money be 50 yuan of D_{Coin 50}, Then the D for participating in depositing is confirmed_{Coin 100}、D_{Coin 100}' and D_{Coin 50}Legitimacy and D_CoinCategory Master is that the D-RMB chip cards are consistent.After to be confirmed, the ATM is by bank's card number and D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}The relevant information that transaction is related to is sent to according to default security protocol Business bank's D-RMB systems belonging to bank card.

After above- mentioned information is received, business bank's D-RMB systems are assisted according to default safety View understands above- mentioned information, and confirms the legitimacy of above- mentioned information.Specifically, legitimacy is confirmed Including：D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}Legitimacy, Confirm Bank card legitimacy and transaction The amount of money and D_CoinValue of money is consistent.After to be confirmed, the bank storehouse of business bank's D-RMB systems Just receive the D_{Coin 100}、D_{Coin 100}' and D_{Coin 50}, and related to transaction according to default security protocol And relevant information the D for changing transaction is sent to Central Bank D-RMB systems_CoinOwner please Ask.

After above- mentioned information is received, Central Bank's D-RMB systems are assisted according to default safety View understands above- mentioned information, and confirms the legitimacy of above- mentioned information.Specifically, legitimacy is confirmed Including：D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}Legitimacy, D_CoinOwner be deposit user D-RMB Chip card etc..After to be confirmed, the Register of Central Bank's D-RMB systems will change D_{Coin 100}、D_{Coin 100}'、D_{Coin 50}Owner, will deposit user D-RMB chip cards wallet Address is changed to the code of the affiliated business bank of bank card, and records this transaction journal.At this Invent in an embodiment, the wallet address corresponding to D-RMB chip cards includes the D-RMB cores The cryptographic Hash of the card number of piece card.

Finally, sent and used to deposit user and ATM by business bank's D-RMB systems In the successful prompt message of expression transaction, and the corresponding amount of money will be increased in the account of deposit user (250 yuan), ATM prompting deposit is completed, then asks user to fetch bank card and D-RMB Chip card.

The method that the bank of the use digital cash chip card provided by the present invention stores, can Effectively reach the purpose for quickly and easily storing digital cash.

As shown in figure 8, a kind of bank of the use digital cash chip card also provided for the present invention The system construction drawing of storage, the system 8 includes：Accepting terminal equipment B1, business bank's numeral Money-system B2, Central Bank digital coin systems B3, wherein,

Accepting terminal equipment B1, for being set up with digital cash chip card after communication connection, is received The deposit information of peripheral operation input, and deposit information is sent to digital cash system of business bank Unite B2, deposit information include deposit account information, digital cash chip card information and with deposit The equivalent digital cash of the amount of money；

Business bank digital coin systems B2, for after deposit information is received, to central silver Row digital coin systems B3 sends the request of change owner；

Central Bank digital coin systems B3, for after the request of change owner is received, inciting somebody to action The owner of digital cash is changed to business bank, and the amount of money of savings account is changed.

Alternatively, accepting terminal equipment B1 is additionally operable to：Confirm digital cash legitimacy and really The owner for recognizing the digital cash of deposit is consistent with digital cash chip card.

Alternatively, business bank's digital coin systems B2 is additionally operable to：Confirm the legal of digital cash Property, Confirm Bank card legitimacy and confirm digital cash owner be digital cash chip card.

Alternatively, Central Bank's digital coin systems B3 is additionally operable to：Confirm the legal of digital cash Property, confirm digital cash owner be digital cash chip card.

Alternatively, the amount of money progress change to savings account is further included：By number in right registration information The wallet address of word currency is changed to business bank's code.

Alternatively, business bank's digital coin systems B2 is additionally operable to：User and end is accepted to deposit End equipment B1 is sent for representing the successful prompt message of transaction.

Alternatively, the wallet address corresponding to digital cash chip card includes the digital cash chip The cryptographic Hash of the card number of card.

Alternatively, digital cash chip card includes following form：Visual Bluetooth IC form, IC Card form, mobile phone-eSE cards form, mobile phone-safe SD card form, mobile phone-SIM card form.

Alternatively, accepting terminal equipment B1 is ATM.

Because bank's storage system of the digital cash of the invention provided is the corresponding dress of the above method Put, therefore will not be repeated here.

Method and be that the bank of the use digital cash chip card provided by the present invention stores System, can effectively reach the purpose for quickly and easily storing digital cash.

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.

Particular embodiments described above, to the purpose of the present invention, technical scheme and beneficial effect It is further described, should be understood that and the foregoing is only the specific of the present invention Embodiment, the protection domain being not intended to limit the present invention, it is all the present invention spirit and Within principle, any modification, equivalent substitution and improvements done etc. should be included in the present invention Protection domain within.Other objects of the present invention, effect and beneficial effect can be from implementations Drawn in mode.

Claims (18)

1. a kind of method of bank's storage of use digital cash chip card, it is characterised in that bag Include：

Accepting terminal equipment receives outside grasp after communication connection is set up with digital cash chip card Make the deposit information inputted, and the deposit information sent to business bank's digital coin systems, The deposit information includes deposit account information, digital cash chip card information and and Deposit The equivalent digital cash of volume；

Business bank's digital coin systems are after the deposit information is received, to central silver Row digital coin systems send the request of change owner；

Central Bank's digital coin systems, will after the request of the change owner is received The owner of the digital cash is changed to the business bank, and to the amount of money of the savings account Changed.

2. according to the method described in claim 1, it is characterised in that the accepting terminal is by institute Deposit information is stated to send to before the operation of business bank's digital coin systems, in addition to：

The owner and institute of the legitimacy for confirming the digital cash and the digital cash for confirming deposit Digital cash chip card is stated to be consistent.

3. according to the method described in claim 1, it is characterised in that business bank's numeral Money-system is sent to Central Bank's digital coin systems before the operation for changing the request of owner, Also include：

Confirm that the legitimacy, the legitimacy of Confirm Bank's card and confirmation of the digital cash are described The owner of digital cash is the digital cash chip card.

4. according to the method described in claim 1, it is characterised in that Central Bank's numeral Money-system by it is described deposit user digital cash owner be changed to business bank operation it Before, in addition to：

Confirm the legitimacy of the digital cash, confirm that the owner of the digital cash is the number Word currency chip card.

5. according to the method described in claim 1, it is characterised in that to the savings account The amount of money carries out change and further included：

The wallet address of digital cash described in right registration information is changed to the business bank Code.

6. according to the method described in claim 1, it is characterised in that to the deposit user's After account amount of money is changed, in addition to：

Business bank's digital coin systems are sent to deposit user and the accepting terminal equipment For representing the successful prompt message of transaction.

7. according to the method described in claim 1, it is characterised in that the digital cash chip The corresponding wallet address of card includes the cryptographic Hash of the card number of the digital cash chip card.

8. according to the method described in claim 1, it is characterised in that the digital cash chip Card includes following form：Visual Bluetooth IC form, IC-card form, mobile phone-eSE cards form, Mobile phone-safe SD card form, mobile phone-SIM card form.

9. according to the method described in claim 1, it is characterised in that the accepting terminal equipment It is ATM.

10. a kind of system of bank's storage of use digital cash chip card, it is characterised in that Including：Accepting terminal equipment, business bank's digital coin systems, digital cash system of the Central Bank System, wherein,

The accepting terminal equipment, for being set up with digital cash chip card after communication connection, connects The deposit information of peripheral operation input is received, and the deposit information is sent to business bank's numeral Money-system, the deposit information include deposit account information, digital cash chip card information with And the digital cash equivalent with amount deposited；

Business bank's digital coin systems, for after the deposit information is received, to Central Bank's digital coin systems send the request of change owner；

Central Bank's digital coin systems, for receiving the request of the change owner Afterwards, the owner of the digital cash is changed to the business bank, and to the savings account The amount of money changed.

11. bank's storage of use digital cash chip card according to claim 10 is System, it is characterised in that the accepting terminal is additionally operable to：

The owner and institute of the legitimacy for confirming the digital cash and the digital cash for confirming deposit Digital cash chip card is stated to be consistent.

12. bank's storage of use digital cash chip card according to claim 10 is System, it is characterised in that business bank's digital coin systems are additionally operable to：

Confirm that the legitimacy, the legitimacy of Confirm Bank's card and confirmation of the digital cash are described The owner of digital cash is the digital cash chip card.

13. bank's storage of use digital cash chip card according to claim 10 is System, it is characterised in that Central Bank's digital coin systems are additionally operable to：

Confirm the legitimacy of the digital cash, confirm that the owner of the digital cash is the number Word currency chip card.

14. bank's storage of use digital cash chip card according to claim 10 is System, it is characterised in that the amount of money progress change to the savings account is further included：

The wallet address of digital cash described in right registration information is changed to the business bank Code.

15. bank's storage of use digital cash chip card according to claim 10 is System, it is characterised in that business bank's digital coin systems are additionally operable to：

Sent to deposit user and the accepting terminal equipment for representing transaction successfully prompting letter Breath.

16. bank's storage of use digital cash chip card according to claim 10 is System, it is characterised in that the wallet address corresponding to the digital cash chip card includes the numeral The cryptographic Hash of the card number of currency chip card.

17. bank's storage of use digital cash chip card according to claim 10 is System, it is characterised in that the digital cash chip card includes following form：Visual Bluetooth IC Form, IC-card form, mobile phone-eSE cards form, mobile phone-safe SD card form, mobile phone-SIM Card form.

18. bank's storage of use digital cash chip card according to claim 10 is System, it is characterised in that the accepting terminal equipment is ATM.