CN112215590B - Virtual digital currency double-off-line payment method - Google Patents
Virtual digital currency double-off-line payment method Download PDFInfo
- Publication number
- CN112215590B CN112215590B CN202011058127.0A CN202011058127A CN112215590B CN 112215590 B CN112215590 B CN 112215590B CN 202011058127 A CN202011058127 A CN 202011058127A CN 112215590 B CN112215590 B CN 112215590B
- Authority
- CN
- China
- Prior art keywords
- transaction
- payer
- payee
- transaction information
- guarantor
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a virtual digital currency double-off-line payment method, and relates to the field of block chains. The method mainly comprises the steps of introducing a guarantor mechanism and a KYC mechanism, and after a transaction dispute occurs between a payment and an acquirer, quickly arbitrating the transaction dispute by introducing transaction certification materials provided by the guarantor; by introducing a KYC mechanism, the offline payment limit of the user is bound with the KYC degree of the user, so that the risk of doing malicious activities of the user is reduced, and the user can be conveniently butted with related law enforcement departments to provide user data when the user seriously does malicious activities.
Description
Technical Field
The invention relates to the field of block chains, in particular to a virtual digital currency double-off-line payment method.
Background
With the progress of science and technology, the block chain technology is developed vigorously. The blockchain has wide application in various industries, particularly in the financial field, due to the characteristics of distributed accounts, traceability, non-tampering, low trust and the like, and many governments and enterprises are actively trying to solve technical problems in digital currency by using the blockchain technology. However, some current digital currency products implemented based on blockchain are not perfect enough, for example, two transaction parties must keep online (connected to the blockchain network) in real time or for a long time, and offline payment cannot be realized.
Offline payment is the transaction that is made when communication over a network, GPRS, etc. is interrupted. The off-line payment system means that the payment information of the payer is not immediately sent to a verification mechanism for verification while payment is carried out, and the transaction participant records the transaction data uplink in the local after a period of time (after networking). Since the payment information of the payer cannot be immediately verified, it is difficult to prevent forgery and double flowers, and an extra design is generally required to deal with transaction disputes, and the off-line payment system is often used for payment systems for small-amount transactions.
Digital signature technology is one of the block chain core technologies, and can be used to verify the validity of the identity of the sender of the transaction message. All nodes have a pair of different public keys and private keys, the public keys are public to the whole network, and when the transaction information is encrypted by the private keys, the public keys can only be used for decryption, so that the identity of a transaction information sender can be verified.
The application provides an offline payment method based on a block chain technology, and the payment method of double offline transactions under the scene of micropayment is realized through a digital signature technology and a guarantor mechanism.
Disclosure of Invention
In order to solve the potential currency forgery, double flowers and potential dispute after transaction in the double off-line payment scene, the application provides a method for realizing transaction in the double off-line payment scene based on digital signature technology, guarantor mechanism, and knowledge of customer rules (KYC).
1. Binding offline transaction payment amount with KYC degree
When a user opens an account at a digital currency distribution mechanism, generating a user unique ID, a user public key and a user private key, binding the user unique ID and the user public key with each other, and submitting the bound user unique ID and the bound user public key to a blockchain network.
The user who wants to apply for off-line payment service needs to use user ID to propose application and provide personal identity information to the digital currency distribution mechanism in advance, and personal identity information includes identification card number, telephone number, address etc. the bank provides different payment amount to the user according to user's KYC degree, and the payment amount grade includes: a level: 50% of the account balance; b stage: 30% of the account balance; c level: 10% of the account balance. According to the payment limit level obtained by the user, the bank can distribute a token of the corresponding level amount to the user, and the token is used for uniquely identifying the available offline payment limit of the user.
2. Mechanism of the guarantor
In a double-off-line payment scene, two transaction parties want to perform transactions, and each of the two transaction parties needs to commission at least one of the two guarantors, and the two guarantors participate in the transactions as visitors of the transactions, and the transaction data is recorded locally. Under a double off-line scene, a receiver and a payer establish connection through NFC or Bluetooth, the identity verification and encrypted communication are realized by exchanging public keys of the receiver and the payer, transaction information signed by the payer is sent to a payee, whether an asset in a transaction is legal is prompted, after the payee confirms the transaction information and verifies the identity of the payer, the transaction information is signed and sent to the payer, the transaction information with the signature of the payee and the transaction information with the signature of the payer are sent to a payee guarantor, after the payee guarantor receives the two transaction information with the signatures, whether the transaction information is consistent or not and whether the transaction signature is legal is verified, and if the transaction information is consistent and the transaction signature is legal, the transaction information signed by the payee guarantor is sent to the payee. After the payer receives the transaction information signed by the payee, the transaction information with the payee signature and the transaction information with the payer signature are sent to the payer guarantor after the validity of the signatures is verified, the payer guarantor verifies whether the signatures are correct or not and whether the transaction information is consistent or not, and if the signatures are correct and the transaction information is consistent, the transaction information signed by the payer guarantor is sent to the payer.
After the payee and the payer respectively receive the transaction information with the signature sent by the payee guarantor and the payer guarantor, the validity of the signature and the correctness of the transaction information are respectively verified, if the signature information is legal and the transaction information is correct, the offline transaction is ended, and when the payer, the payee, the payer guarantor and the payee guarantor are connected with the blockchain network, the transaction information is uploaded to the blockchain network, and the token value issued by the digital currency distribution mechanism is updated.
The invention mainly comprises an introduced guarantor mechanism and a KYC mechanism, and the guarantor mechanism ensures that the payment and receipt parties can quickly arbitrate the transaction dispute by introducing transaction certification materials provided by the guarantor after the transaction dispute occurs; by introducing a KYC mechanism, the offline payment limit of the user is bound with the KYC degree of the user, so that the risk of doing malicious activities of the user is reduced, and the user can be conveniently butted with related law enforcement departments to provide user data when the user seriously does malicious activities.
Drawings
FIG. 1 is a flow chart of the present invention.
Detailed Description
The following provides a more detailed description of the embodiments and the operation of the present invention with reference to the accompanying drawings.
1. An offline payment service application process:
as shown in the flowchart of fig. 1, when a user wants to use an offline payment service, the user needs to submit personal information to the digital money dispensing institution in advance to apply for the service. The general flow is as follows:
1) A user applies for the digital currency dispensing mechanism through a user ID;
2) The digital currency distribution mechanism judges whether the credit rating of the user meets the application condition according to the ID provided by the user;
3) If the credit rating of the user meets the application condition, the user provides related personal information for the digital currency distribution mechanism to apply for different offline payment limits;
4) The digital currency distribution mechanism provides different payment amount services for the user according to the KYC degree of the user, provides token with corresponding amount for the user, and is used for marking the offline payment amount of the user.
2. An off-line payment process:
when a transaction is initiated, the two parties of the transaction can firstly judge the current network environment, when the two parties are both in an off-line condition, the transaction is carried out through double off-line payment service, and the transaction flow is divided into four main bodies for displaying:
the payer:
1) The payer sends the signed transaction request to the payee and waits for the payee to reply;
2) After the payer receives the information that the payee agrees to the transaction, the payer sends the transaction information with the digital signature and the token issued by the bank to the payee to wait for the payee to verify the correctness of the transaction information;
3) The payer receives the transaction information receipt with the payee signature, and verifies whether the receipt signature is legal or not and whether the transaction information is correct or not;
4) The payer sends the transaction information with the payer signature and the transaction information with the payee signature to the payer guarantor, and waits for the guarantor to verify;
5) The payer receives the transaction information with the guarantor signature, verifies whether the signature is legal or not, and whether the transaction information is correct or not;
6) When the payer connects to the blockchain network, the transaction information is linked up.
The payee:
1) The payee receives the transaction request with the signature of the payer, verifies whether the signature is legal, and sends the transaction approval information with the signature to the payer if the signature is legal.
2) The payee receives the transaction information sent by the payer, verifies the validity of the signature and the correctness of the transaction information, and verifies whether the payment balance of the payer is sufficient (the payment amount is judged through the token issued by the bank). If the signature is legal, the information is correct, and the balance is sufficient, copying and signing the transaction information, and sending the transaction information to a payer as a receipt;
3) The payee sends the transaction information with the payer signature and the transaction information with the payee signature to the payee guarantor to wait for the payee guarantor to verify;
4) The payee receives the transaction information with the payee guarantor signature, and verifies whether the signature is legal or not and whether the transaction information is correct or not;
5) When the payee connects to the blockchain network, the transaction information is linked up.
Payee guarantor:
1) The payee guarantor receives the transaction information with the signatures of the payer and the payee, verifies whether the signatures are correct and the transaction information is consistent, and sends the transaction information with the signature of the payee guarantor to the payee if the signatures are correct and the transaction is consistent.
2) When the payee guarantor connects to the blockchain network, the transaction information is linked.
Payer guarantor:
1) The payer guarantor receives the transaction information with the signatures of the payer and the payee, verifies whether the signatures are correct and the transaction information is consistent, and sends the transaction information with the signature of the payer guarantor to the payer if the signatures are correct and the transaction is consistent.
2) When the payer guarantor connects to the blockchain network, the transaction information is linked.
Further, the method also comprises the following steps of,
3. transaction dispute handling
After receiving the transaction information of the transaction participants (transaction parties and two-party guarantors), the digital currency distribution mechanism checks the consistency of the transaction information, if the transaction information is inconsistent, the digital currency distribution mechanism requires the transaction participants to provide transaction certificates (a payer and a payee respectively provide the transaction information with the signature of the other party and the signature of the guarantor of the party, and the two-party guarantors respectively provide the transaction information with the signatures of the two parties), and the bank arbitrates disputes according to the transaction certificates provided by the transaction parties and carries out corresponding punishment on the badly-acting party.
4. Credit rating system and punishment system
When a user applies for offline transaction service to a digital currency distribution mechanism, the user is required to provide name and identification number information to the digital currency distribution mechanism, after the information is provided, the digital currency distribution mechanism checks the validity of the information and the historical credit record of the user, if the information is valid, the historical credit record is good (the default value of the historical credit record of the user applying for the offline payment service is good), the user is provided with offline payment service, the default limit is 10 percent of the total assets, and the online is 500 yuan. If the user wants to apply for a higher payment amount, real-name information to the digital currency distribution mechanism is needed, the digital currency distribution mechanism adjusts the offline payment amount used according to the KYC degree of the user, the offline payment amount is 50% of the total assets at most, and the online payment amount is 5000 yuan.
When the transaction participants (payer, payee, payer guarantor, payee guarantor) submit local transaction data to the blockchain network, the digital currency distribution mechanism verifies whether the transaction balance of the payer is sufficient and the transaction information submitted by each party is consistent. When the balance of the payer is insufficient or the transaction information is inconsistent, the digital currency distribution mechanism requires the transaction participant to provide a transaction certificate, wherein the payer needs to submit the transaction information signed by the payee and the transaction information signed by the payer, the payee needs to provide the transaction information signed by the payer and the transaction information signed by the payee, both the payer and the payee vouchers need to provide the transaction information signed by the payer and the transaction information signed by the payee, and the digital currency distribution mechanism arbitrates according to the transaction certificate provided by the transaction participant, judges a malicious user and punishes according to the malicious amount.
While the invention has been described with reference to specific embodiments, any feature disclosed in this specification may be replaced by alternative features serving the same, equivalent or similar purpose, unless expressly stated otherwise; all of the disclosed features, or all of the method or process steps, may be combined in any combination, except mutually exclusive features and/or steps; any non-essential addition and replacement made by the technical characteristics of the technical scheme of the invention by a person skilled in the art belong to the protection scope of the invention.
Claims (2)
1. A virtual digital currency double offline payment method is characterized by comprising the following steps:
s1) offline payment service application flow:
the user uses the off-line payment service, needs to submit personal information to the digital currency distribution mechanism in advance, applies for the service, and the flow is as follows:
1) A user applies for the digital currency dispensing mechanism through a user ID;
2) The digital currency distribution mechanism judges whether the credit rating of the user meets the application condition according to the ID provided by the user;
3) If the credit rating of the user meets the application condition, the user provides related personal information for the digital currency distribution mechanism to apply for different offline payment limits;
4) The digital currency distribution mechanism provides different payment amount services for the user according to the KYC degree of the user, provides tokens with corresponding amounts for the user and is used for marking the offline payment amount of the user;
s2) offline payment process:
when a transaction is initiated, the two parties of the transaction first judge the current network environment, when the two parties are in an off-line condition, the transaction is carried out through double off-line payment services, and the transaction flow is divided into four main bodies for showing:
the payer:
1) The payer sends the signed transaction request to the payee and waits for the payee to reply;
2) After the payer receives the information that the payee agrees to the transaction, the payer sends the transaction information with the digital signature and the token issued by the bank to the payee to wait for the payee to verify the correctness of the transaction information;
3) The payer receives the transaction information receipt with the payee signature, and verifies whether the receipt signature is legal or not and whether the transaction information is correct or not;
4) The payer sends the transaction information with the payer signature and the transaction information with the payee signature to the payer guarantor, and waits for the guarantor to verify;
5) The payer receives the transaction information with the guarantor signature, verifies whether the signature is legal or not, and whether the transaction information is correct or not;
6) Linking the transaction information when the payer connects to the blockchain network;
the payee:
1) The payee receives the transaction request with the signature of the payer, verifies whether the signature is legal or not, and sends the transaction approval information with the signature to the payer if the signature is legal;
2) The method comprises the steps that a payee receives transaction information sent by a payer, verifies the validity of a signature and the correctness of the transaction information, and verifies whether the payment balance of the payer is sufficient or not, namely, the payment amount is judged through a token issued by a bank, if the signature is legal, the information is correct, and the balance is sufficient, the transaction information is copied and signed, and the transaction information is sent to the payer as a receipt;
3) The payee sends the transaction information with the payer signature and the transaction information with the payee signature to the payee guarantor to wait for the payee guarantor to verify;
4) The payee receives the transaction information with the payee guarantor signature, and verifies whether the signature is legal or not and whether the transaction information is correct or not;
5) When the payee is connected to the blockchain network, the transaction information is linked up;
payee guarantor:
1) The payee guarantor receives the transaction information with the signatures of the payer and the payee, verifies whether the signatures are correct and the transaction information is consistent, and if the signatures are correct and the transaction is consistent, the transaction information with the signature of the payee guarantor is sent to the payee;
2) Linking the transaction information when the payee guarantor connects to the blockchain network;
payer guarantor:
1) The payer guarantor receives the transaction information with the signatures of the payer and the payee, verifies whether the signatures are correct and the transaction information is consistent, and sends the transaction information with the signature of the payer guarantor to the payer if the signatures are correct and the transaction is consistent;
2) Linking the transaction information when the payer vouchers are connected to the blockchain network;
s3) transaction dispute processing
After receiving the transaction information of the transaction participants, namely the transaction parties and the guarantors of the two parties, the digital currency distribution mechanism checks the consistency of the transaction information, and if the transaction information is inconsistent, the digital currency distribution mechanism requires the transaction participants to provide transaction certificates, namely the payer and the payee provide the transaction information with the signature of the other party and the signature of the guarantor of the party respectively; the two-party guarantor respectively provides transaction information with two-party signatures, and the bank arbitrates disputes according to the transaction certificate provided by the transaction party and carries out corresponding punishment on the dispute making party;
s4) credit grade system and punishment system:
when a user applies for offline transaction service to a digital currency distribution mechanism, name and identity card number information is required to be provided for the digital currency distribution mechanism, after the information is provided, the digital currency distribution mechanism checks the validity of the information and the historical credit record of the user, if the information is legal, the historical credit record is good, the offline payment service is provided for the user, the default quota is 10 percent of the total assets, the online is 500 yuan, if the user wants to apply for higher payment quota, the real-name information of the digital currency distribution mechanism is required, the digital currency distribution mechanism adjusts the quota for offline payment according to the KYC degree of the user, the offline payment quota is 50 percent of the total assets at most, and the online is 5000 yuan;
when the transaction participants, namely a payer, a payee, a payer guarantor and a payee guarantor submit local transaction data to the blockchain network, the digital currency distribution mechanism verifies whether the transaction balance of the payer is sufficient and whether the transaction information submitted by each party is consistent, and when the balance of the payer is insufficient or the transaction information is inconsistent, the digital currency distribution mechanism requires the transaction participants to provide transaction certificates, wherein the payer needs to submit the transaction information signed by the payee and the transaction information signed by the payer guarantor, the payee needs to provide the transaction information signed by the payer and the transaction information signed by the payee, and the payer guarantor and the payee guarantor both need to provide the transaction information signed by the payer and the transaction information signed by the payee, and the digital currency distribution mechanism arbitrates according to the transaction certificates provided by the transaction participants, judges a malicious user and punishs according to the malicious amount.
2. The virtual digital currency dual offline payment method of claim 1, wherein a user's historical credit record default value for which offline payment services have been applied is set to good.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011058127.0A CN112215590B (en) | 2020-09-30 | 2020-09-30 | Virtual digital currency double-off-line payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011058127.0A CN112215590B (en) | 2020-09-30 | 2020-09-30 | Virtual digital currency double-off-line payment method |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN112215590A CN112215590A (en) | 2021-01-12 |
| CN112215590B true CN112215590B (en) | 2023-03-28 |
Family
ID=74051676
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202011058127.0A Active CN112215590B (en) | 2020-09-30 | 2020-09-30 | Virtual digital currency double-off-line payment method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN112215590B (en) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115564414B (en) * | 2022-08-22 | 2023-06-06 | 昆明理工大学 | Digital currency double off-line transaction method and system |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107230079A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of offline electronic payment are carried out using digital cash chip card |
| CN109493016A (en) * | 2018-10-24 | 2019-03-19 | 中国工商银行股份有限公司 | Offline electronic payment method, terminal based on digital cash and act on behalf of dispensing device |
| CN111144862A (en) * | 2019-12-31 | 2020-05-12 | 深圳四方精创资讯股份有限公司 | Method, device, equipment and storage medium for realizing digital currency double-off-line payment |
| CN111340469A (en) * | 2020-03-10 | 2020-06-26 | 苏州区盟链数字科技有限公司 | Digital currency wallet and digital currency double-off-line payment method |
-
2020
- 2020-09-30 CN CN202011058127.0A patent/CN112215590B/en active Active
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107230079A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of offline electronic payment are carried out using digital cash chip card |
| CN109493016A (en) * | 2018-10-24 | 2019-03-19 | 中国工商银行股份有限公司 | Offline electronic payment method, terminal based on digital cash and act on behalf of dispensing device |
| CN111144862A (en) * | 2019-12-31 | 2020-05-12 | 深圳四方精创资讯股份有限公司 | Method, device, equipment and storage medium for realizing digital currency double-off-line payment |
| CN111340469A (en) * | 2020-03-10 | 2020-06-26 | 苏州区盟链数字科技有限公司 | Digital currency wallet and digital currency double-off-line payment method |
Also Published As
| Publication number | Publication date |
|---|---|
| CN112215590A (en) | 2021-01-12 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN111144862B (en) | Method, device, equipment and storage medium for realizing digital currency double-off-line payment | |
| US11223609B2 (en) | Techniques for secure blockchain management | |
| US9818112B2 (en) | Method and system for payment authorization and card presentation using pre-issued identities | |
| CN107230055B (en) | Method and system for paying digital currency | |
| JP5537405B2 (en) | System and method for electronically exchanging value between distributed users | |
| US5983207A (en) | Electronic cash eliminating payment risk | |
| RU2157001C2 (en) | Method for conducting transactions | |
| US20140337206A1 (en) | Electronic Currency System | |
| WO2002021409A1 (en) | System and method for transparently providing certificate validation and other services within an electronic transaction | |
| EP3607519A1 (en) | Digital property remittance via telephone numbers through telecom carriers | |
| US20010037318A1 (en) | Third party payment in e-commerce | |
| US20230325791A1 (en) | Proxied cross-ledger authentication | |
| WO2010089049A1 (en) | Mobile payment method and devices | |
| CN112215590B (en) | Virtual digital currency double-off-line payment method | |
| CN111523892A (en) | Block chain cross-chain transaction method and device | |
| CN115936844A (en) | Method, system, terminal equipment and storage medium for applying for approval on public accumulation fund combined loan line based on block chain | |
| US20040139015A1 (en) | Method for preparing a payment transaction in a communication network | |
| CN111401899B (en) | Digital asset transfer method, device and server | |
| WO2021060340A1 (en) | Transaction information processing system | |
| CN113436016A (en) | Operation processing method, device and system based on block chain | |
| JP3401198B2 (en) | Method of exchanging symbols of different types of electronic value and program recording medium | |
| KR20170092420A (en) | Method for Operating Electronic Document of a Promissory Note | |
| KR20170060356A (en) | Method for Monetary Transaction between Individuals based on Electronic Documents | |
| Hogan | Now That the Floodgates Have Been Opened, Why Haven't Banks Rushed into the Certification Authority Business | |
| AU2008254851B2 (en) | Method and system for payment authorization and card presentation using pre-issued identities |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |