CN107230070B - Digital currency system - Google Patents

Abstract

The present invention provides a digital currency system, including a central bank digital currency system, a commercial bank digital currency system, and an authentication system, wherein the central bank digital currency system is used to generate and issue digital currency, and to register the ownership of the digital currency The commercial bank digital currency system is used to perform banking functions for digital currency; the authentication system is used to provide authentication for the interaction between the central bank digital currency system and the terminal equipment used by users of the digital currency, and to provide authentication to the central bank The interaction between the digital currency system and the commercial bank digital currency system provides authentication. According to the technical solution of the present invention, a digital currency system with good convenience and high security is realized, and can be applied to various application scenarios of digital currency in reality, which is conducive to the comprehensive promotion and use of digital currency in the whole society.

Description

digital currency system

technical field

The present invention relates to the technical field of computers and software thereof, in particular to a digital currency system.

Background technique

Digital currency is a currency that converts cash values into a series of electronically encrypted serial numbers. The security of the currency itself relies on cryptographic algorithms to protect. In terms of cryptographic algorithms, the security of the digital currency system involves symmetric cryptography, asymmetric cryptography, message digest algorithms and identity-based cryptography. The implementation of algorithms, the design of interactive protocols, the compatibility of international and domestic standards, etc., ensure the security of digital currency transactions.

With the development and popularization of the mobile Internet, the rapid transformation of the mobile payment industry, the continuous innovation of business models based on mobile Internet, NFC, HCE, Token, biometrics and other technologies, the continuous expansion of application scenarios, and the integration of online and offline services accelerated development. While new mobile payment technology provides users with diversified and convenient payment services, it also leads the transformation and upgrading of industries such as communications, finance, and the Internet. The broad development prospect of mobile payment has become a broad consensus in the entire industry, and mobile payment is considered to be an important entry point for connecting online and offline. The digital currency transaction system should be designed with mobile payment as the core business model.

In the mobile payment business mode, the key storage carrier of digital currency can be provided by hardware SE module (security module), HCE and TEE. Hardware SE has been recognized in the field of financial transactions because of the secure computing environment it provides, and is widely used in current debit and credit cards and electronic cash, with a wide user base, good acceptance environment and usage habits. With the continuous development of mobile payment technology, many changes have taken place in the form of SE modules, and new solutions are constantly being practiced.

On the data transmission channel between the transaction acceptance terminal (POS machine) and payment tools (such as cards and mobile phones), there are currently multiple transmission methods: RF radio frequency communication, SMS, scanning code, sound waves, photons, and the coexistence of multiple methods. It facilitates the communication between payment carriers.

In terms of authentication methods, it can be divided into password-based authentication, password + smart card-based authentication, and biometrics (fingerprint, face)-based authentication. Among them, the authentication of passwords and biometrics is mostly used for far-field payment, and the authentication of smart card is mostly used for near-field payment.

Cloud computing is the mainstream direction of the back-end server side in the future, and the back-end system of digital currency should adopt cloud-based solutions.

In e-commerce activities, due to different roles, the requirements for digital currency are also different: customers require digital currency to be easy to use, safe to store and have anonymity; merchants require digital currency to be verifiable and convertible into real currency; banks It is required that the digital currency cannot be illegally used and counterfeited. Therefore, the digital currency D-RMB should have the following characteristics:

1. Security: It can prevent any party in the business from changing or illegally using digital currency;

2. Non-repetitive spending: digital currency can only be used once, and repeated spending can be easily checked;

3. Controllable anonymity: Banks and merchants cannot track the use of digital currency even if they collude with each other, requiring the system to be unable to link the purchase behavior of users of electronic cash, thereby concealing the purchase history of digital currency users, but the issuer of digital currency can track the use of digital currency;

4. Unforgeability: users cannot forge fake digital currency;

5. Fairness: The payment process is fair, ensuring that either the transaction is successful for both parties, or there is no loss for both parties, preventing a transaction party from suffering losses in the transaction;

6. Compatibility: The issuance process and circulation of digital currency in the D-RMB system refer to the issuance and circulation of physical currency as much as possible.

And for digital currency, it should be able to adapt to various usage scenarios of existing currencies and be freely convertible with existing currencies.

SUMMARY OF THE INVENTION

In view of this, the present invention proposes a digital currency system to solve at least one of the problems existing in the prior art regarding digital currency. Other objects and beneficial effects of the present invention will be embodied by the specific embodiments.

The present invention provides the following technical solutions:

A digital currency system includes a central bank digital currency system, a commercial bank digital currency system, and an authentication system, wherein the central bank digital currency system is used to generate and issue digital currency, and to register the ownership of the digital currency; commercial bank digital currency The currency system is used to perform banking functions with respect to the digital currency; the authentication system is used to provide authentication for the interaction between the central bank digital currency system and the terminal device used by the user of the digital currency, and to provide authentication to the central bank digital currency system and the terminal device used by the user of the digital currency. The interaction between the commercial bank digital currency systems provides authentication.

Optionally, the central bank digital currency system is further configured to record transaction flow information of the digital currency.

Optionally, the central bank digital currency system is also used to generate digital currency in one or more of the following ways: generate the digital currency of the denomination according to the denomination of the physical currency in circulation; according to the preset minimum unit denomination; Generate the digital currency of the denomination; and/or generate the currency with the denomination of the withdrawal amount according to the withdrawal amount of the user.

Optionally, the issuing system is further configured to generate digital currency by the following steps: generating a basic encryption password corresponding to the denomination from a preset master password and a preset number uniquely corresponding to the denomination; The basic encryption password and the random number generate an encrypted password, and then the generated encrypted password is signed to obtain the digital currency of the denomination.

Optionally, the central bank digital currency system and the commercial bank digital currency system are also used to perform the following operations on the D-RMB chip card, wherein the D-RMB chip card includes a storage medium: The specified content generates the personalized data of the D-RMB chip card; the commercial bank digital currency system writes the personal information of the user applying for the D-RMB chip card into the D-RMB chip card; the commercial bank digital currency system uses the user IBC The public key applies to the authentication system for an IBC private key, and the user's IBC public key is the identity of the D-RMB chip card or the identity of the user.

Optionally, the D-RMB chip card includes the following forms: a visible Bluetooth IC card form, an IC card form, a mobile phone-eSE card form, a mobile phone-secure SD card form, and a mobile phone-SIM card form.

Optionally, the central bank digital currency system is further configured to perform user registration according to the following steps: after the central bank digital currency system receives the identity certification information sent by the terminal device used by the user, it sends an applicable Application software on the terminal device; the central bank digital currency system sends the IBC public key and the IBC private key to the terminal device running the application software, and then conducts an identity authentication session and session key negotiation with the terminal device; The central bank digital currency system receives the user account number sent by the terminal device running the application software, and then sends the user password to the terminal device.

Optionally, the commercial bank digital currency system is further configured to connect with one or more of the following adapters: currency transaction data adapter, mobile phone service provider SMS gateway adapter, retailer system adapter, ATM data supply system adapter.

Optionally, the commercial bank digital currency system is further configured to receive the first request sent by the user terminal, and extract digital currency from the account according to the amount specified by the first request; and send the second request Send to the central bank digital currency system; and after receiving the successful indication of the operation from the central bank digital currency system, send the extracted digital currency to the user terminal; the central bank digital currency system It is also used to receive the second request, perform the operation of the preset item according to the second request, and return an indication of successful operation to the digital currency system of the commercial bank, and the operation of the preset item includes the operation of the preset item. The operation of changing the owner of the digital currency extracted by the digital currency system of the commercial bank; wherein, the first request is used to extract digital currency from the user's account in a commercial bank; the second request is used to extract the extracted digital currency. The owner of the digital currency is changed.

Optionally, the commercial bank digital currency system is further configured to receive a first request from a commercial bank outlet system, and withdraw digital currency from an account of the commercial bank according to the amount specified by the first request; and sending the second request to the central bank digital currency system; and after receiving the successful indication of the operation from the central bank digital currency system, sending the extracted digital currency to the user terminal, wherein the The first request includes the user terminal identification; the central bank digital currency system is further configured to receive the second request, and execute the operation of the preset item according to the second request and return an indication of successful operation to the business A bank digital currency system, the operation of the preset item includes an operation of changing the owner of the digital currency extracted by the commercial bank digital currency system; wherein, the first request is used to exchange cash for digital currency; the The second request is used to change the owner of the extracted digital currency.

Optionally, the digital currency system further includes a first user terminal and a second user terminal; the first user terminal is configured to extract the digital currency equal to the amount specified by the payment instruction according to the received payment instruction, and generate a first request and send it to the commercial bank digital currency system, wherein the first request includes the second user terminal identifier and the digital currency, and the first request is used to change the owner of the digital currency; The commercial bank digital currency system is further configured to, after receiving the first request, generate a second request and send it to the central bank digital currency system, where the second request is used to change the owner of the digital currency; and After receiving the successful indication of the operation sent by the central bank digital currency system, the digital currency is sent to the second user terminal; the central bank digital currency system is further configured to receive the second request, and execute the operation of the preset item according to the second request and return an indication of successful operation to the commercial bank digital currency system, and the operation of the preset item includes the operation of changing the owner of the digital currency; The second user terminal is configured to receive the digital currency sent by the commercial bank digital currency system.

Optionally, the digital currency system further includes a user terminal; the user terminal is used to select the digital currency to be exchanged with the amount specified by the change exchange instruction according to the change exchange instruction, and send the first request to the commercial bank digital currency. a currency system, wherein the first request is used for change exchange; and receiving the change digital currency sent by the commercial bank digital currency system; the commercial bank digital currency system is further configured to, according to the first request, convert The digital currency to be exchanged is converted into change digital currency, and a second request is sent to the central bank digital currency system, where the second request is used to change the ownership of the digital currency to be converted and the change digital currency ; and after receiving the indication that the operation is successful, sending the change digital currency to the first user terminal; the central bank digital currency system is also used to perform the operation of the preset item according to the second request and An indication of successful operation is returned to the commercial bank digital currency system, and the operation of the preset item includes an operation of changing the owner of the digital currency to be exchanged and the change digital currency.

Optionally, the digital currency system further includes a payer terminal device and a payee terminal device; the payer terminal device is used for: receiving the payment amount and payee identification input by external operations; Select the digital currency whose total amount is equal to the payment amount; send the digital currency to the payee terminal device corresponding to the payee identification by means of near field communication; the payee terminal device is used for : send the digital currency to the commercial bank digital currency system through the network; the commercial bank digital currency system is also used to: send the digital currency to the central bank digital currency system through the network; the central bank digital currency system also Used for: changing the owner information of the digital currency from the payer to the payee.

Optionally, the digital currency system further includes a payer terminal device and a payee terminal device; the payer terminal device is used for: receiving the payment amount, payee identification and withdrawal identification code input by external operations; Select the digital currency whose total amount is equal to the payment amount in the digital currency wallet of the party; send the digital currency and the withdrawal identification code to the payee's terminal device corresponding to the payee's identification by near field communication; The payee terminal equipment is used for: sending the digital currency and the withdrawal identification code to the commercial bank digital currency system through the network; the commercial bank digital currency system is also used for: sending the digital currency and the withdrawal identification code to the commercial bank through the network. The central bank digital currency system; the central bank digital currency system is further used for: changing the owner information of the digital currency from the payer to the payee and remarking the withdrawal identification code.

Optionally, the digital currency system further includes a user terminal device; the user terminal device is used to: select an equivalent digital currency in the digital currency wallet according to the cashing amount input by an external operation; send the digital currency to the The commercial bank digital currency system; the commercial bank digital currency system is further used to: send the digital currency to the central bank digital currency system; send the one-time withdrawal code provided by the user to the central bank A digital currency system; a payment instruction is issued after a notification that the one-time withdrawal code is valid, wherein the payment instruction is used to control the machine or prompt the user to manually pay the user an amount of cash equal to the cashed amount; the central bank digital currency system It is also used for: generating a one-time withdrawal code and then sending it to the user terminal device for presentation to the user, and changing the owner information of the digital currency from the user to the central bank; confirming that the one-time withdrawal code is valid, The commercial bank account is then added to the cashed amount, and a notification that the one-time withdrawal code is valid is sent to the commercial bank digital currency system.

Optionally, the digital currency system further includes a user terminal device; the user terminal device is used to: select an equivalent digital currency in the digital currency wallet according to the cashing amount input by an external operation; send the digital currency to the commercial Bank digital currency system; the commercial bank digital currency system is also used to: generate a one-time bank withdrawal code, and send the digital currency to the central bank digital currency system; The one-time bank withdrawal code is sent to the user terminal device to be presented to the user; the one-time bank withdrawal code provided by the user is confirmed to be valid, and then a payment instruction is issued, wherein the payment instruction is used for Control the machine or prompt the user to manually pay the cash amount equal to the cashed amount; the central bank digital currency system is also used to: change the owner information of the digital currency from the user to a commercial bank, and then send the digital currency to the commercial bank. The currency system sends the owner update success command.

Optionally, the digital currency system further includes a terminal device; the terminal device is used to: receive a deposit amount and a deposit account input by an external operation; select a digital currency whose total amount is equal to the deposit amount in the digital currency wallet; The digital currency and the deposit account are sent to the commercial bank digital currency system; the commercial bank digital currency system is also used to: send the digital currency and the deposit account to the central bank digital currency system; according to the transaction success information Increase the accounting of the deposit amount to the deposit account, and send a successful deposit notification to the terminal device; the central bank digital currency system is also used to: change the owner information of the digital currency from the user to a business bank, and feedback the transaction success information to the commercial bank digital currency system.

Optionally, the commercial bank digital currency system is also used to receive the amount information and digital currency card information of the physical cash of the exchange requester, and then determine the digital currency participating in the exchange according to the amount information, and then according to the digital currency and The digital currency card information of the exchange requester generates exchange request information, and then sends the exchange request information to the central bank digital currency system; and after receiving the indication that the operation is successful returned by the central bank digital currency system, convert the digital currency The currency is written into the digital currency card of the exchange requesting party; the central bank digital currency system is also used to perform the operation of the preset item according to the exchange request information and return the operation success indication to the commercial bank digital currency System, the operation of the preset item includes the operation of changing the owner of the digital currency that the commercial bank digital currency system participates in the exchange.

Optionally, the commercial bank digital currency system is further configured to receive the exchange amount information, bank account information, and digital currency card information of the exchange requester; and then deduct and exchange the amount in the bank account according to the exchange amount information. The equivalent amount, and then determine the digital currency participating in the exchange according to the exchange amount information, and generate the exchange request information according to the digital currency and the digital currency card information of the exchange requester, and then send the exchange request information to the central bank digital currency system; And after receiving the successful indication of the operation returned by the central bank digital currency system, write the digital currency into the digital currency card of the exchange requester; the central bank digital currency system is also used to The exchange request information executes the operation of the preset item and then returns an indication of successful operation to the digital currency system of the commercial bank. The operation of the preset item includes the ownership of the digital currency that the digital currency system of the commercial bank participates in the exchange. change operation.

Optionally, the digital currency system further includes a terminal device and a digital currency chip card; the terminal device is configured to receive payment amount information input by an external operation, and then send the payment amount information to the digital currency chip card, and the payment amount information is sent to the digital currency chip card. The amount information includes the payment amount, and after receiving the digital currency, a first request is generated and then sent to the digital currency system of a commercial bank, where the first request is used to change the owner of the digital currency; the digital currency chip The card is used to select the digital currency of the payment amount, and then send it to the terminal device; the commercial bank digital currency system is also used to generate a second request after receiving the first request and then send it to the central bank digital currency a currency system, wherein the second request is used to change the owner of the digital currency, and after receiving an indication that the central bank digital currency system has successfully operated, feedback transaction success information to the terminal device; the central bank The bank digital currency system is further configured to perform an operation of a preset item according to the second request and return an indication of successful operation to the commercial bank digital currency system, where the operation of the preset item includes receiving a message from the terminal device. The owner of the digital currency is changed.

Optionally, the digital currency system further includes a terminal device and a digital currency chip card; the terminal device is configured to receive a change exchange request, and the change exchange request includes: the digital currency to be exchanged, the denomination obtained from the exchange, and a change according to the The change exchange request selects the digital currency to be exchanged from the digital currency chip card, generates a first request and then sends it to the digital currency system of the commercial bank. After the digital currency system sends the changed digital currency of the owner to the terminal device, the digital currency of the changed owner is written into the digital currency chip card; the commercial bank digital currency system is also used for After receiving the first request, withdraw digital currency for change according to the first request, generate a second request and then send it to the central bank digital currency system, the second request is used for the digital currency to be exchanged and all the digital currency to be exchanged. Change the owner of the change digital currency, and after receiving the instruction of successful operation, send the owner-changed change digital currency to the terminal device; the central bank digital currency system is also used for according to the second Request to execute the operation of the preset item and return an indication of successful operation to the digital currency system of the commercial bank. The operation of the preset item includes changing the owner of the digital currency to be exchanged and the digital currency of the change.

Optionally, the digital currency system further includes a visual digital currency chip card and a mobile terminal; the visual digital currency chip card is used to receive payment amount information input by an external operation, and select the digital currency of the payment amount to send to the mobile terminal. terminal; the mobile terminal is used to receive the digital currency, generate a first request and then send it to a commercial bank digital currency system, and the first request is used to change the owner of the digital currency; the commercial bank digital currency The system is further configured to, after receiving the first request, generate a second request and send it to the central bank digital currency system, where the second request is used to change the owner of the digital currency; the central bank digital currency The system is further configured to perform an operation of a preset item according to the second request and return an indication of successful operation to the commercial bank digital currency system, where the operation of the preset item includes the digital currency received by the mobile terminal. Perform the owner change operation.

Optionally, the digital currency system further includes a mobile terminal and a digital currency chip card; the mobile terminal is configured to receive payment amount information input by an external operation, and then send the payment amount information to the digital currency chip card, and the payment The amount information includes the payment amount, and after receiving the digital currency, a first request is generated and then sent to the digital currency system of a commercial bank, where the first request is used to change the owner of the digital currency; the digital currency The currency chip card is used to select the digital currency of the amount specified by the payment amount information, and then send it to the mobile terminal; the commercial bank digital currency system is also used to generate a second request after receiving the first request Then it is sent to the central bank digital currency system, and the second request is used to change the owner of the digital currency; the central bank digital currency system is also used to perform the operation of the preset item according to the second request and send An indication of successful operation is returned to the commercial bank digital currency system, and the operation of the preset item includes an operation of changing the owner of the digital currency received by the mobile terminal.

Optionally, the digital currency system further includes a user terminal device and an acceptance terminal device; the user terminal is used to send payment information to the acceptance terminal device, and the payment information includes the digital currency chip card information and the value equivalent to the payment amount. after receiving the payment information, the acceptance terminal device is used to send the payment information to the commercial bank digital currency system; the commercial bank digital currency system is also used to receive the payment information after receiving the payment information. , send a request to change the owner to the central bank digital currency system; the central bank digital currency system is also used to change the owner of the digital currency to the merchant's commercial bank after receiving the request to change the owner code; the commercial bank digital currency system is also used to change the account amount of the merchant.

Optionally, the digital currency system further includes a user terminal device and an acceptance terminal device; the acceptance terminal device is used to receive the transaction amount without establishing a network connection with the digital currency system of a commercial bank, and when communicating with the digital currency system of a commercial bank. After the commercial bank digital currency system establishes the connection, the acceptance terminal device sends the transaction information to the commercial bank digital currency system; the user terminal device is used to obtain the information from the acceptance terminal device through a short-range wireless connection. the transaction amount, and send the transaction information to the acceptance terminal device, the transaction information includes the digital currency chip card information and the digital currency equivalent to the transaction amount; the commercial bank digital currency system is also used for receiving After receiving the transaction information, send a request to change the owner to the central bank digital currency system; the central bank digital currency system is also used to change the owner of the digital currency to The merchant code corresponding to the acceptance terminal device.

Optionally, the digital currency system further includes a payment visual digital currency chip card and a collection terminal device; the payment visual digital currency chip card is used for not establishing a network connection with the commercial bank digital currency system. , send a payment request to the collection terminal equipment, the payment request includes the digital currency to be paid and the transaction amount; the collection terminal equipment is used to initiate a network to the commercial bank digital currency system after receiving the payment request If the network connection is successful, the payment request is sent to the commercial bank digital currency system; the commercial bank digital currency system is further configured to send the payment request to the central bank digital currency system according to the payment request. A payment confirmation request including the payment request, the payment confirmation request is used to change the owner of the digital currency to be paid; the central bank digital currency system is also used to execute a preset according to the payment confirmation request operation, and then notify the collection terminal device of the operation result, and the preset operation includes changing the owner of the digital currency to be paid.

Optionally, the digital currency system further includes a payment visual digital currency chip card and a collection terminal device; the payment visual digital currency chip card is used for not establishing a network connection with the commercial bank digital currency system, Send a payment request of digital currency to the collection terminal device, the payment request includes the digital currency to be paid and the transaction amount; the collection terminal device is used to initiate a network connection to the digital currency system of a commercial bank, and the network connection is successful when the network connection is successful. If the payment request and the identity verification information reserved by the receiving user are sent to the commercial bank digital currency system; the commercial bank digital currency system is also used to send the central bank digital currency to the central bank according to the payment request. The system sends a payment confirmation request, the payment confirmation request is used to change the owner of the digital currency to be paid, and the payment confirmation request includes the digital currency to be paid, the transaction amount, the identity verification information; the central bank digital currency system is further configured to perform a preset operation according to the payment confirmation request, and then send the operation result to the collection terminal device, where the preset operation includes changing the digital currency to be paid the owner and save the authentication information.

Optionally, the digital currency system further includes a payment visible digital currency chip card and a payment visible digital currency chip card; the payment visible digital currency chip card is used to establish a network connection with the digital currency system of a commercial bank. In this case, a payment request for digital currency is sent to the receiving digital currency chip card, and the payment request includes the digital currency to be paid and the transaction amount; the receiving digital currency chip card is used for receiving the payment. After the payment request, initiate a network connection to the commercial bank digital currency system, and if the network connection is successful, send the payment request to the commercial bank digital currency system; the commercial bank digital currency system is also used for According to the payment request, a payment confirmation request including the digital currency to be paid and the transaction amount is sent to the central bank digital currency system, and the payment confirmation request is used to change the owner of the digital currency to be paid; the The central bank digital currency system is further configured to perform a preset operation according to the payment confirmation request, and then notify the operation result to the payment-receiving visual digital currency chip card, and the preset operation includes changing the owner of the digital currency .

Optionally, the digital currency system further includes an acceptance terminal device; the acceptance terminal device is used to receive the deposit information input by an external operation after establishing a communication connection with the digital currency chip card, and send the deposit information to the commercial bank. A digital currency system, wherein the deposit information includes deposit account information, digital currency chip card information, and digital currency equivalent to the deposit amount; the commercial bank digital currency system is also used to report to the central bank after receiving the deposit information The digital currency system sends a request to change the owner; the central bank digital currency system is also used to change the owner of the digital currency to the commercial bank after receiving the request to change the owner, and to all change the amount in the deposit account described above.

Optionally, the digital currency system further includes an acceptance terminal device; the acceptance terminal device is configured to receive exchange information input by an external operation after establishing a communication connection with the digital currency chip card, and send the exchange information to the commercial bank. A bank digital currency system, wherein the exchange information includes digital currency chip card information and a digital currency equivalent to the exchange amount; the commercial bank digital currency system is also used to send digital currency to the central bank after receiving the exchange information The currency system sends a request for changing the owner; the central bank digital currency system is further configured to change the owner of the digital currency to the commercial bank after receiving the request for changing the owner; the commercial bank The digital currency system is further configured to send a control instruction to the acceptance terminal device, where the control instruction is used to output the banknotes of the exchange amount; the acceptance terminal device is further configured to output the banknotes of the exchange amount according to the control instruction .

According to the technical solution of the present invention, a digital currency system with good convenience and high security is realized, and can be applied to various application scenarios of digital currency in reality, which is helpful for the comprehensive promotion and use of digital currency in the whole society.

Description of drawings

The accompanying drawings are used for better understanding of the present invention and do not constitute an improper limitation of the present invention. in:

FIG. 1 is a schematic diagram of the main flow of the work of the prefabricated card related to the embodiment of the present invention;

Fig. 2 is the schematic diagram of the process flow of user registration D-RMB account related to the embodiment of the present invention;

3 is a schematic diagram of a D-RMB transaction process related to an embodiment of the present invention;

4A is a schematic diagram of the basic structure of a digital currency system according to an embodiment of the present invention;

4B is a schematic diagram of a structure of an overall framework when the digital currency system provides online services according to an embodiment of the present invention;

5 is a schematic diagram of a computer system included in a commercial bank digital currency system according to an embodiment of the present invention;

FIG. 6 is a schematic diagram of an architecture for interconnecting a digital currency system of a commercial bank with an external system according to an embodiment of the present invention.

Detailed ways

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

In the embodiment of the present invention, the design scheme of digital currency (hereinafter referred to as D-RMB) based on cryptographic mathematics is described. The central bank here is the issuer of the currency, such as the People's Bank of China. In the following description, central banks are sometimes referred to simply as "central banks", and similarly, commercial banks are sometimes referred to simply as "commercial banks". In addition, the digital currency is represented as "D _currency ".

The D-RMB system is a fund transfer system based on D _currency transactions, which is jointly operated by the central bank and commercial banks. The D-RMB system includes D _coin issuance, customer login, customer account management, transaction management, fraud detection, and core business modules running on the core server of a specific digital center, as well as mobile phones and laptops on the client side that need to interact with the core server. At the same time, it also includes an open form of electronic communication network including the Internet and mobile communication network throughout the country on which the D _coin fund transfer system operates. Before discussing the D-RMB system, make it clear:

1. Compatibility with existing physical currency circulation. The issuance process and circulation of digital currency in the D-RMB system refer to the issuance and circulation of physical currency as much as possible. The storage of digital currency in the D-RMB system goes through three links. One is the central bank's digital currency issuance library (ie, digital currency fund); The second is the bank vault of the commercial bank, that is, the digital cash in stock of the commercial bank; the third is the client application on the client side, that is, the electronic wallet. In the process of these different links, the registration center of D-RMB will complete the relevant registration operations.

2. D-RMB digital currency does not require blind signatures. Limited anonymity protection during use.

3. D-RMB digital currency can be circulated on different networks, and may exist in various electronic equipment terminals such as mobile phones, IC card chips, notebook computers, etc. in electronic digital form. This article mainly uses mobile phones and IC cards as carriers to store D-RMB digital currency. Currency is used to discuss examples, but it does not mean that it can only be carried by mobile phones and IC cards.

4. The payment mode designed by the D-RMB system relies on the transfer of digital currency (D _currency transaction).

5. The D-RMB system must obey the relevant system requirements of my country's cash management. The specific requirements are determined by the needs of the business unit.

6. In order to avoid homogeneous competition with the existing bookkeeping payment system, the D-RMB system can be designed to pay with a limited amount.

For the convenience of subsequent descriptions, the following notation conventions are made:

Enc: Encryption, here means that after the user downloads the private key from the IBC center, he signs the sent information with his own private key and encrypts it with the other party's public key.

Dec: Decryption, here specifically means that the user decrypts the communication with his own private key, and uses the mobile phone number of the other party as the corresponding public key (or direct public key) to sign and confirm the information sent by the user.

_Bank D: refers to the reserve account opened by the bank in the central system of the central bank for bookkeeping.

D _currency : refers to the D-RMB digital currency generated by the central bank according to its own encryption mechanism, which is a string of characters representing a certain amount of RMB.

D _{Coin 100} : Refers to the D-RMB digital currency generated by the central bank according to its own encryption mechanism. It is a string of numbers representing 100 yuan, and so on.

_Account B: The bank account number of the bank where the user's account is opened.

H(M): The value obtained by hashing M, M can be a mobile phone number, an organization code, or a string of characters, numbers, etc.

As a digital currency, D-RMB is established and issued into circulation by the People's Bank of China as legal tender. The People's Bank of China is the ultimate lender to provide guarantees and participate in exchange, exchange and consumption within the national standard framework. It is a string of codes that has the same monetary meaning as the "face value" in actual circulation. D-RMB digital currency simulates the issuance and management process of paper currency in the central bank, and digital currency is generated at one time in the D-RMB issuance library according to the central bank's current digital currency issuance.

In the design of the D-RMB system, D _coins can be generated according to the minimum unit denomination, or according to the specific withdrawal amount of the user, or according to the denomination of the physical currency in circulation. The specific method can be determined by the system parameters in the initial process. in the settings. In order to be close to reality, the following will be explained by taking the fixed denomination in circulation as an example.

The D-RMB in the distribution library completely simulates the face value in circulation, and "printing" produces digital representations of "one yuan, five yuan, ten yuan, two ten yuan, five ten yuan, one hundred yuan", etc., an encrypted text representation A face value of D-RMB digital currency.

D-RMB is generated according to a fixed face value. For example, D-RMB is represented by the fifth set of production (then need to produce: D _{coin 1} , D _{coin 5} , D _{coin 10} , D _{coin 20} , D _{coin 50} , D _{coin 100} ):

Step 1: Generate six basic encrypted passwords from the master password and the numbers 1, 5, 10, 20, 50, and 100, respectively.

Step 2: Generate system random numbers by hash algorithm. A random number can be understood as a crown number.

Step 3: Encrypt with basic encryption passwords representing different currency values and random numbers to generate encrypted passwords.

Step 4: The encrypted password is signed by the central bank's private key, representing the generation of new coins. If the withdrawer wants to withdraw 100 D _coins representing 100 yuan, in the actual withdrawal process, the encrypted ciphertext m can be generated by encrypting the unique random number representing 100 yuan and the corresponding basic encryption password, and then the central bank private key pair m. to sign.

In the D-RMB system, there are the central bank's digital currency issuance library, the commercial bank's digital currency bank library, and the electronic wallet of the client (such as mobile phone). The basic contents of digital currency transfer include:

(1) According to the total amount of digital currency issued, the central bank uniformly generates digital currency (that is, the production of digital currency funds) and stores it in the central bank's issuance library.

(2) According to the application for digital currency of commercial banks, the digital currency is sent to the database of the corresponding commercial bank where the digital currency is stored, that is, the digital currency is transferred from the issuing library to the bank treasury.

For example, according to the total amount of currency issuance, the central bank issued 1 billion D-RMB, and these D-RMBs were placed in the central bank's issuance library after issuance. Later, according to a bank's application, 200 million of the 1 billion D-RMB was withdrawn, and the withdrawn 200 million D-RMB was deposited in the bank's treasury (the bank's deposit reserve account in the central bank is recorded in the central bank's deposit reserve account). The account is reduced by 200 million. At the same time, 200 million D-RMB is stored in the bank vault of the commercial bank, and its bookkeeping operation is equivalent to the withdrawal of the existing physical currency). In the registration center, the corresponding owners of these digital currencies are determined by the central bank. Change it to a commercial bank, and record the corresponding operation flow and other information.

(3) When the user applies to withdraw digital currency, the digital currency goes from the bank vault to the circulation link, and enters the storage medium of the user client (such as in the mobile phone), that is, from the bank vault to the user's electronic wallet. In the registration center, the corresponding owners of these digital currencies are changed from commercial banks to users, and information such as the corresponding operation flow is recorded.

(4) In the circulation process, the essence of digital currency is to transfer between the two users' respective electronic wallets to complete the payment. At this time, the payment is divided into online transactions and offline transactions. The specific business process will be analyzed in detail later. In the registration center, the corresponding owner of these digital currencies is changed from user 1 to user 2, and information such as the corresponding operation flow is recorded.

During the above digital currency transfer process, the registration center of the D-RMB system needs to verify the legitimacy of the transaction digital currency, record the transaction flow and correct the new owner of the corresponding digital currency, and register other required information (specifically determined by business needs) .

If the IC card is used as the carrier, there is still a prefabricated card work, and the main process involved is shown in FIG. 1 , which is a schematic diagram of the main process of the prefabricated card work related to the embodiment of the present invention.

As the security carrier of D _coin , the card base has a certain strengthening effect on ensuring the security of D _coin in all aspects of D _coin circulation (independent physical carrier IC card is also referred to as "D-RMB chip card").

(1) Production of D-RMB chip card

The production of D-RMB chip cards must be produced by enterprises certified by the central bank with production qualifications, and the quantity and quality of their production are strictly controlled by the central bank (or other departments authorized by the central bank). The enterprise qualification certification process includes: application submission, material review, sample card testing, on-site evaluation, authorization qualification and other links.

(2) Personalization of D-RMB chip card

The personalized data in the D-RMB chip card is generated by the central bank, and the relevant departments are authorized to establish a personalization center to carry out personalized operations on the newly produced D-RMB chip card.

(3) Issuance of D-RMB chip card

The system can support real-name card issuance and anonymous card issuance.

Real-name system card issuance: D-RMB chip card is applied by the user personally, real-name system card is issued, and the central bank authorizes the commercial bank to issue it on behalf of the commercial bank. The card is issued a second time, and the user's personal information is written into the D-RMB chip card.

Anonymous card issuance: Users can directly apply for a D-RMB chip card from a commercial bank, and the commercial bank can choose whether to verify the applicant's identity information according to the actual situation.

The commercial bank chooses to use the unique identification number of the D-RMB chip card or the user's mobile phone number as the user's IBC public key according to the actual situation, and then applies to the IBC certification center for the private key.

The D-RMB system supports the choice of online or offline transactions using computer equipment, mobile phones, POS, ATM, and the Web as carriers.

With regard to mobile phone terminals, various digital passwords, graphic passwords and other unlocking settings and power-on passwords can effectively protect the security of personal information on the mobile phone. With the advent of the era of smart phones, all kinds of fingerprint mobile phones based on biometric features have entered the general consumer group. It can adopt different fingerprint encryption for different applications and different specific information. The application of these new technologies can effectively ensure the digital currency on mobile phones, related Safe storage of transaction information.

In order to ensure the safe transfer of digital currency between mobile phones, the D-RMB system needs to introduce a security certification system. The existing CA certification center is used between the central bank and financial institutions, and social users (including individuals and enterprises) can use the IBC (Identity-Based Cryptograph) certification center for identity authentication.

The private key and central bank public key generated in IBC and PKI need to be reliably and safely stored in the secure exclusive area SE area (Secure Element) of the mobile phone. HostCard Emulation) to achieve. If the user adopts card replacement to protect the key, download the key to the SE area of the mobile phone during the card replacement application process.

During the construction of the certification system, it can be designed according to the traditional PKI certification system, and the PKI system can be established uniformly, and the strong digital signature can be provided by the CA. It can also be designed according to the IBC and managed by the user's mobile phone number as the public key, especially for small quotas. Offline payment seems to be more convenient. All business descriptions below will be explained with IBC certification. FIG. 2 is a schematic diagram of a process of a user registering a D-RMB account related to an embodiment of the present invention, and FIG. 3 is a schematic diagram of a D-RMB transaction process related to an embodiment of the present invention.

Taking user 1 to pay user 2 the digital currency D _{coin 50} of 50 yuan online as an example, to illustrate the security protocol when the transfer of D _{coin 50} is involved in the transaction process. User 1 logs in to his mobile APP, completes the two-party identity authentication with the D-RMB system, and negotiates the session key in SSL mode, and then executes the transaction protocol. Taking the mobile phone number as the IBC public key as an example, in the mobile client of User 1: the mobile client automatically selects 50 yuan of digital currency D _{coin 50} , and organizes the relevant information M‖m according to the transaction rules, where M can be designed as: M = transaction Code ‖mobile phone number 1‖ D _{coins 50} ‖payment amount‖ mobile phone number 2, hash the information segment to get the message H(M), sign H(M) with the private key corresponding to the mobile phone number 1 to get m, to encrypt way to send M‖m to the D-RMB system.

D-RMB system side: decrypt the message according to the protocol to obtain M‖m, and verify the validity of the message, that is, verify m and H(M) with the public key, namely the mobile phone number 1, to prevent the message from being tampered with during the transmission process; verify D Whether the _{coin 50} is legal, interpret the transaction rules and related information, and perform the corresponding operations, mainly including the registration center changing the owner of the D _{coin 50} after the business verification, from the bound mobile phone number 1 to the mobile phone number 2, and recording the corresponding flow. Send D _{coins 50} to mobile phone 2, and notify both parties that the transaction is successful.

In order to further enhance the anonymity, the mobile phone number corresponding to the ownership of the registration center can be changed to the hash of the mobile phone number (that is, borrowed from the Bitcoin wallet address, which is composed of the hash of the public key), and the specific description is as follows:

The client organization message remains unchanged. On the user 1 mobile phone client: automatically select the 50 yuan digital currency D _{coin 50} , and organize the relevant information M‖m according to the transaction rules, where M can be designed as M = transaction code‖ mobile phone number 1‖ D _{coin 50} ‖payment amount‖ mobile phone number 2, hash the information segment to get the message H(M), sign H(M) with the private key corresponding to the mobile phone number 1 to get m, and send M‖m in an encrypted way to D-RMB system.

D-RMB system side: decrypt the message according to the protocol to obtain M‖m, and verify the validity of the message, that is, verify m and H(M) with the public key, namely the mobile phone number 1, to prevent the message from being tampered with during the transmission process; verify D Whether the _{coin 50} is legal, interpret the transaction rules and related information, and perform corresponding operations, mainly including the registration center changing the owner of D _{coin 50} after business verification, from the bound H (mobile phone number 1) to H (mobile phone number 2), and Record the corresponding flow. Send D _{coins 50} to mobile phone 2, and notify both parties that the transaction is successful.

Regarding the system convenience design, in the embodiment of the present invention, there are various interfaces and entrances for transactions. In the scenario example process, only one entry is used as an example. For example, if a registered user handles business in a commercial bank, the user can directly log in to the D-RMB system with a mobile phone, or the commercial bank can log in to the D-RMB system.

Regarding the account password, you can flexibly design whether the user is required to enter the account password according to business needs. Based on the D-RMB system is a small payment system, it is suggested that users can freely choose whether to set a password. In the description of the embodiment of the present invention, it is described as not leaving a password, but in implementation, it can be determined according to the actual situation.

Regarding the client application program, users can download the corresponding client application program on their corresponding terminal (such terminal software is equivalent to a "wallet" tool), for example, mobile phone users can download the D-RMB mobile phone terminal program (also called for mobile APP). The terminal program can be designed to include the following functions: First, the D _coin management function. (1) The terminal program can automatically count the amount of all D _coins ; (2) It can automatically find the combination of D _coins in the "wallet" according to the amount entered by the user, and automatically select the matched D _coins for transactions during the payment process. ; (3) After the transaction is completed, the D _coins participating in the expenditure are automatically deleted; (4) The digital currency in the "wallet" that has not been verified online by the central bank and the digital currency that has been verified and registered can be automatically distinguished. The second is to complete the functions required by the business, such as online registration application, withdrawal, payment, cashing, offline payment request and other business functions, as well as automatic completion of public key encryption, private key signature and other operations during the transaction process.

In general, the core elements of the D-RMB system are one currency, two types of libraries, and three centers:

A coin, namely "D-RMB", also known as D _coin , specifically refers to a string of encrypted numbers signed by the central bank representing a specific amount.

There are two types of libraries: D-RMB's distribution library and bank library. The digital currency appears as the central bank's digital currency fund in the issuance library; the digital currency appears as the commercial bank's inventory digital cash in the bank treasury.

Three centers: one is the registration center (including the whole process record of currency generation, circulation, check and demise); the other two are the certification center, namely the CA certification center (based on the PKI system, centralized management of institutional and user certificates, such as CFCA) and IBC certification center, that is, the certification center (Identity-BasedCryptograph) established based on identity-based cryptography. Two forms can be designed in the registration center, one is the digital currency ownership registration form, which records the ownership of the digital currency, and the other is the transaction flow table.

The identity-based cryptosystem IBC in the embodiment of the present invention can directly use the user's identity as the public key, and the authentication of the public key no longer relies on the certificate, which simplifies the use and management of the key, and has the advantages of no directory, convenient use, and easy access. maintenance, etc.

For identity identification, individual users can use mobile phone numbers, or E-mail addresses or other transformed strings that match their mobile phones, so that it is convenient for the customer to remember, and others have no way of knowing), so as to achieve the purpose of controllable anonymity. Enterprise users can use the organization code or a self-defined code as the ID of the IBC center, which is used as the public key. In the following example, only the mobile phone number is used as an example for convenience.

The D-RMB system is a hierarchical system, that is, it is jointly built by the central bank and various commercial banks. The central bank digital currency system is a computer operated and maintained by the central bank or a central bank-designated institution to process information about digital currency. The main functions of the system include being responsible for the issuance and verification monitoring of digital currency. A commercial bank is a computer system operated and maintained by a commercial bank or a designated institution of a commercial bank to process information about digital currency. Various functions, namely banking functions, mainly include, after applying for digital currency from the central bank, it is responsible for directly facing the society and meeting the needs of providing digital currency circulation services.

4A is a schematic diagram of the basic structure of a digital currency system according to an embodiment of the present invention. As shown in FIG. 4A, the digital currency system 40 includes a central bank digital currency system 41, a commercial bank digital currency system 42 (in practice, there may be multiple commercial bank digital currency systems, only one is shown in the figure as an example), and The authentication system 43, wherein the central bank digital currency system 41 is used to generate and issue digital currency, and to register the ownership of the digital currency; the commercial bank digital currency system 42 is used to perform banking functions for the digital currency; the authentication system 43 is used to The interaction between the central bank digital currency system 41 and the terminal device 49 used by the user of the digital currency provides authentication, and the interaction between the central bank digital currency system 41 and the commercial bank digital currency system 42 is authenticated.

FIG. 4B is a schematic diagram of a structure of an overall framework when the digital currency system according to an embodiment of the present invention provides online services. In the overall framework shown in Figure 4B, the core of the D-RMB digital currency operation is the commercial bank digital currency system, and the central bank's D-RMB system is connected to the commercial bank D-RMB system and is responsible for transaction confirmation. Both the commercial bank D-RMB system and the central bank D-RMB system can make full use of advanced cloud technology for decentralized deployment, and the commercial bank D-RMB system is interconnected with its internal systems.

It can be seen from the figure that the digital currency system of commercial banks is connected to other networks or systems at the core position, and can be constructed using "cloud computing" technology. D-RMB digital currency system supports network data of various protocols, such as: virtual private network VPN, dedicated line, satellite network, public switched telephone network (PSTN), global system for mobile communications (GSM), public land mobile network (PLMN) , each different network can realize direct or indirect connection with the central server.

The digital currency system of the commercial bank is connected to the central bank registration center, and also has four basic functional modules: an electronic wallet function module that automatically tracks how much D-RMB digital currency an account has, automatically tracks the D-RMB digital currency transfer between parties and identifies suspicious Transaction supervision function module, electronic banking service function and customer relationship management CRM function module.

The logical layout of the server in the commercial bank digital currency system adopts a three-layer structure: the presentation layer, which is the front-end application system 200; the back-end application system 202, which is also called the session layer, application layer, or transaction logic layer; back-end database 204 is the data layer. The corresponding physical machine deployment block diagram is shown in FIG. 5 , which is a schematic diagram of a computer system included in a commercial bank digital currency system according to an embodiment of the present invention.

The front-end application system 200 is used to run an application program that the user directly interacts with the money transfer service operator, such as a Web application program, where a Web server cluster is deployed. Users and money transfer service operators interact with these applications through user interfaces such as personal computing devices 114 and mobile devices. Users can access electronic wallet functions, supervision functions, virtual banking functions, and CRM functions through this portal. Open source software such as apache can be used on the Web server.

The back-end application system 202 is mainly used to support back-end functions such as data access and business logic processing of the front-end application system 200 . This zone deploys application servers. The D-RMB digital currency can use the JBOSS tool under the Red Hat open source system to develop applications.

The background database 204 is mainly a database management system DBMS, including a data warehouse, which stores sales transactions of transferred currency, customer files, and other data required to track and adjust the central bank digital currency system for D-RMB digital currency transfers. The D-RMB digital currency system can be designed with Oracle's DBMS as the database system.

The above-mentioned commercial bank digital currency system can be interconnected with external systems. An optional architecture is shown in FIG. 6 , which is a schematic diagram of an architecture for interconnecting a commercial bank digital currency system with an external system according to an embodiment of the present invention.

The above figure demonstrates the physical and logical layout of the commercial bank digital currency system and various external system adapters including the central bank central server and other commercial bank digital currency systems. There are currency transaction data adapters, mobile phone service provider SMS gateway adapters, retailer system adapters, ATM data supply system adapters, etc. Through this interconnection, the central server can accept digital currency transfer requests and responses from each type of entity. Figure 6 fully illustrates the D-RMB digital currency system's good support for various channels and different protocol networks, which is also a manifestation of the openness of its system.

The following will take the user's mobile phone as the terminal, and use the mobile phone number as the identification to describe the various business processes of operating D-RMB, mainly including client download and login, withdrawal, payment, deposit and cashing and other processes, and conduct face-to-face transactions. to explain. The user's client login, withdrawal, and redemption process requires the user to complete the online state, and the payment process can be divided into online payment and offline payment, so multiple scene states and their corresponding processes are formed. The purpose of each process is to achieve It is realized by a series of operation steps. In addition to mobile phones, other intelligent terminals that may appear at present and in the future can be used as the carrier of D-RMB and execute various business processes.

The outline of the flow (the following "flow description"), the scene state (the following "scenario description"), and the steps for realizing the flow in the scenario (the following "step description") are described below.

For user client download and login, follow the steps below:

Process description: The user downloads the APP installer provided by the commercial bank to log in to the D-RMB system through the mobile phone.

Scenario description: Qualified commercial banks (such as Industrial and Commercial Bank of China) connect to the CA certification center, IBC certification center and registration center to provide users with digital currency services. The user logs in to the D-RMB system of the commercial bank by downloading the APP installation program provided by the commercial bank through the mobile phone.

Step instructions:

Step 1. The user logs in to the D-RMB system page of the commercial bank (such as the Industrial and Commercial Bank of China) with a mobile phone, and downloads the mobile APP installation program provided by the commercial bank. For users who already have an account (IBC Certification Center), they can log in directly; Users need to initialize the account first;

Step 2. Initialization: Enter relevant information on the page (such as name, address, email address, mobile phone number, ID number, registered account or mobile phone number, etc.), and click Send;

Step 3. Commercial Bank: Connect to the IBC Certification Center, create a unique account of the D-RMB digital currency system for the user, and verify its uniqueness at the IBC Center. Individual users can use the mobile phone number to generate the user's initial login password and send it to the user's mobile phone; IBC Center generates the user's private key according to the mobile phone number, the public key is the user's mobile phone number, and the public key is used as the account for transaction flow;

Step 4. User's mobile terminal: Activate the account after receiving the initial login password, download the user's private key and the central bank's public key to the mobile phone security protection area, and log in to the mobile APP again to modify the login password to complete the initialization.

If the user applies for changing the mobile phone card, the key can be pre-planted in the SE area of the card in advance.

The extraction flow will be described below.

Process description: Users apply for D _coins to the D-RMB system through their mobile phones.

Scenario 1: Withdraw D _coins from a commercial bank account.

Scenario 2: Exchange D _coins with cash.

They are described below.

Scenario 1: Withdraw D _coins from a commercial bank account, for example, a user withdraws 250 yuan from his ICBC account to exchange D _coins .

Step Instructions:

Step 1. The user logs in to the mobile APP, selects the function "withdraw digital currency", selects ICBC, enters the bank account number, the required amount (such as 250 yuan), account password and other elements, and clicks "send";

Step 2. Commercial bank (that is, the implementation of the commercial bank digital currency system, the same below): verify the relevant legality, such as verifying the account password, whether the user's capital account, that is, whether the balance of the B account is sufficient, whether the D _currency in the bank vault is sufficient, etc.; After the verification is passed, deduct 250 yuan from _account B, and withdraw D _{coins 100} , D _{coins 100} ' and D _{coins 50} from the bank vault; organize relevant information according to transaction rules and send requests to the central bank's D-RMB system;

Step 3. The central bank (that is, the implementation of the central bank's digital currency system, the same below): interpret the transaction rules and related information, and verify the relevant legality (such as D _{coin 100} , D _{coin 100} ' and D _{coin 50} whether the owner is ICBC, etc. ), perform relevant operations, and register the center (that is, the registration center of the central bank digital currency system, the same below): change the owner of D _{coin 100} , D _{coin 100} ' and D _{coin 50} , and change the bound ICBC code to the user The wallet address is the public key hash, in addition, the public key can also be set by the user; record the corresponding transaction flow;

Step 4. Commercial bank: send D _{coin 100} , D _{coin 100} ' and D _{coin 50} to the user's mobile phone, complete internal corresponding operations, and send a transaction success prompt message to the user.

This process is not only a user withdrawal process, but also a process of D-RMB digital currency from the bank vault to the user terminal, that is, the process of entering the circulation field of legal digital currency.

Scenario 2: Exchange D _currency with cash, for example, a user takes 250 yuan in cash to a commercial bank (such as an ICBC branch) to exchange D _currency .

Step Instructions:

Step 1. The user submits 250 yuan in cash to a commercial bank such as a branch of ICBC to apply for the exchange of the corresponding amount of D _currency ;

Step 2. Commercial bank: Count the cash, verify the relevant legitimacy (such as whether the D _currency in the bank vault is enough to pay, etc.), complete the bookkeeping of its own internal system, and withdraw D _{currency 100} , D _{currency 100} ' and D _{currency 50} from the bank vault; Organize relevant information according to transaction rules and send requests to the central bank's D-RMB system;

Step 3. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as D _{coin 100} , D _{coin 100} ' and whether the owner of D _{coin 50} is ICBC, etc.), perform relevant operations, and the registration center: Change D _{coin 100} , D _{coins 100} ' and D _{coins 50} owners, change the bound ICBC code to the user's wallet address; record the corresponding transaction flow;

Step 4. Commercial bank: send D _{coin 100} , D _{coin 100} ' and D _{coin 50} to the user's mobile phone, complete internal corresponding operations, and send a transaction success prompt message to the user.

The payment process is explained below. First, the online payment process will be explained.

Process description: The user pays other users (P2P) online through the mobile phone.

Scenario description: Online payment involves two scenarios: full payment and change payment. Paying user 1 (mobile phone number 1) has digital currency D _{currency 100} , D _{currency 100} ', D _{currency 50} , which means that he has two 100 yuan and one 50 yuan, a total of 250 yuan, which needs to be paid to the recipient. 200 RMB for user 2 (mobile phone number 2), and RMB 30 for another recipient user 3 (mobile phone number 3). User 1 pays user 2 as full payment, and user 1 pays user 3 as change payment. Change payment can be the same as physical currency. User 3 needs to have D _{coins of 20.} First, user 1 pays 50 yuan to user 3, and then user 3 pays 20 yuan to user 1, that is, through two full payments, or through User 1 first applies to the D-RMB system for change exchange, and then pays the full amount of the exchanged change selection and combination to User 3

Step description (pay in full):

Step 1. Payment user 1 logs in to the mobile client APP, selects the function "Payment", enters: the payment amount (such as 200 yuan), the payee's mobile phone number (such as mobile phone number 2), and click "Send".

Step 2. Mobile client (that is, the mobile client executes, the same below): automatically select the digital currency D coins with a total amount of 200 yuan, D _{coins 100} ', D _{coins 100} , organize relevant information according to the transaction rules and send them to the commercial bank D-RMB system .

Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 100} ', D _{coin 100} , whether the transaction amount is consistent with the digital currency value, whether user 2 is a registered user, etc.), and execute the corresponding operation, and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D _{Coin 100} , D _{Coin 100} 'whether the owner is User 1, etc.), perform relevant operations, and the registration center: Change D _{Coin 100} , D _{Coin 100} 'Owner, change the bound user 1 wallet address to user 2 wallet address; record the corresponding transaction flow;

Step 5. Commercial bank: send D _{coins 100} ′ and D _{coins 100} to the mobile phone of user 2, and respectively send prompt information of successful transaction to user 1 and user 2 mobile phones.

Step description (pay after change is exchanged):

Step 1. User 1 logs in to the mobile client APP, selects the function "Change Zero", and selects a change exchange bank (such as Industrial and Commercial Bank of China), and enters: exchange amount (such as 50 yuan), face value requirements (such as 20 yuan for two pieces, 10 yuan); click "Send";

Step 2. Mobile client: automatically select a digital currency of 50 yuan, such as D _{coin 50} , organize relevant information according to transaction rules, and send it to the D-RMB system of the firm;

Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as the legality of D _{coin 50} , whether the transaction amount is consistent with the digital currency value, etc.), and perform corresponding operations. Bank library: receive D _{coin 50} , and withdraw D _{Coin 20} , D _{Coin 20} ', D _{Coin 10} ; and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as whether the owners of D _{coin 20} , D _{coin 20} ', D _{coin 10} and D _{coin 50} are legal, etc.), perform relevant operations, and register the center: change For owners of D _{coin 20} , D _{coin 20} ', D _{coin 10} and D _{coin 50} , change the mobile phone number 1 bound to D _{coin 50} to ICBC code, D _{coin 20} , D _{coin 20} ', D _{coin 10} bound Change the ICBC code to user 1 wallet address; record the corresponding transaction flow;

Step 5. Commercial bank: send D _{coin 20} , D _{coin 20} ', D _{coin 10} to user 1's mobile phone, and send transaction success information.

The payment process to user 3 is full payment, namely:

Step 6. Payment user 1 logs in to the mobile client APP, selects the function "Payment", enters: the payment amount (such as 30 yuan), the payee's mobile phone number (such as mobile phone number 3), and click "Send".

Step 7. Mobile client: automatically select the digital currency D _{coin 20} and D _{coin 10} with a total amount of 30 yuan, organize relevant information according to the transaction rules and send it to the D-RMB system of the commercial bank.

Step 8. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 20} , D _{coin 10} , whether the transaction amount is consistent with the digital currency value, whether user 3 is a registered user, etc.), and perform corresponding operations , and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 9. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as whether the owner of D _{Coin 20} and D _{Coin 10} is User 1, etc.), perform relevant operations, and register the center: Change D _{Coin 20} , D _{Coin 10} Owner, change the bound user 1 wallet address to user 3 wallet address; record the corresponding transaction flow;

Step 10. Commercial bank: send D _{coins 20} and D _{coins 10} to the mobile phone of user 3, and send a prompt message of successful transaction to the mobile phone of user 1 and user 3 respectively.

The offline payment process is explained below. The offline payment defined in the hierarchical D-RMB system still refers to near-field payment. In the process of near-field payment, the receiver needs to confirm the payment online afterwards. That is to say, during the offline payment process, the receiving user can verify the authenticity of the digital currency at the time of the received D _coin , but it is still necessary to verify whether the D _coin has been repeatedly paid. The system can be designed as follows: the D _coin that needs to be verified by repeated payment is marked as "repeated payment verification pending" in the client e-wallet program (such as mobile APP). Once the mobile APP detects the network, it will automatically send the D-RMB to the commercial bank. The system performs repeated payment verification applications. The D-RMB system of the commercial bank receives the verification application and performs the corresponding forwarding operation, and records the transaction flow in the registration center of the central bank's D-RMB system to update the owner of the D _coin . If the payee is not a registered user of the D-RMB system, the system will also record the withdrawal password reserved by the payee, which will be explained in detail below.

Scenario description: According to whether the receiving user is a registered user, there are two scenarios for discussion. Paying user 1 (mobile phone number 1) has digital currency D _{currency 100} , D _{currency 100} ', D _{currency 50} , which means that he has two 100 yuan and one 50 yuan, totaling 250 yuan, which needs to be paid offline to Payee user 2 (mobile phone number 2) 200 yuan, and need to pay offline to another payee user 3 (mobile phone number 3) 50 yuan. Among them, the user 2 is a registered user of the commercial bank D-RMB system, and the user 3 is not registered, and only downloads the commercial bank D-RMB client on the mobile phone 3 .

Step-by-step instructions (both payer and payee are registered users):

Step 1. Paying user 1 logs in to the mobile client APP, selects the function "offline payment to registered users", enters: the payment amount (such as 200 yuan), the payee's mobile phone number (such as mobile phone number 2), and click "pay";

Step 2. User 1's mobile phone client: select digital currency D _{coins 100} ' and D _{coins 100} with a total amount of 200 yuan, organize relevant information according to transaction rules, and send them to mobile phone 2 in the form of near-field payment NFC.

Before NFC transmission, the payee's mobile phone number, D _coins and other related transaction information are signed by the paying user's IBC private key, and the payee's mobile phone number is used for encrypted transmission.

Step 3. User 2's mobile client: Interpret the transaction rules and related information, and verify the relevant legality (such as the legality of D _{coin 100} ', D _{coin 100} , whether the transaction amount matches, etc.), and the payment user 1 will be in the online state The signed payment transaction information containing D _currency is reported to the D-RMB system of the commercial bank;

Step 4. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 100} ', D _{coin 100} , whether the transaction amount is consistent with the digital currency value, whether user 2 is a registered user, etc.), and execute the corresponding operation, and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 5. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as D _{Coin 100} , D _{Coin 100} 'whether the owner is User 1, etc.), perform relevant operations, and the registration center: Change D _{Coin 100} , D _{Coin 100} 'Owner, change the bound user 1 wallet address to user 2 wallet address; record the corresponding transaction flow;

Step 6. Commercial bank: send transaction prompt information to user 1 and user 2's mobile phones respectively. The status of D _{coins 100} ' and D _{coins 100} in user 2's mobile phone is normal.

Step instructions (the payee is a non-registered user):

Step 1. Paying user 1 logs in to the mobile client APP, selects the function "offline payment to non-registered users", and enters: the payment amount (such as 50 yuan), the beneficiary's mobile phone number (such as mobile phone number 3), the payment left by the payee pin code (input by user 3, to prove the identity of the withdrawer), click "send";

Step 2. User 1's mobile phone client: select the digital currency D _{coin 50} with a total amount of 50 yuan, organize the relevant information according to the transaction rules, and send it to the mobile phone 3 in the form of near-field payment NFC.

Step 3. User 3 mobile client: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 50} , whether the transaction amount matches, etc.), and automatically sign the payment user in the online state, including D _coin The payment transaction information and the information about the personal reserved password shall be reported to the D-RMB system of the commercial bank;

Step 4. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 50} , whether the transaction amount is consistent with the digital currency value, whether user 3 is a registered user, etc.), perform corresponding operations, and follow the transaction. The rules reorganize the message and send a request to the central bank's D-RMB system;

Step 5. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as whether the owner of D _{Coin 50} is User 1, etc.), perform relevant operations, and leave the payee's password. Registration Center: Change D _{Coin 50} Owner, change the bound user 1 wallet address to user 3 wallet address; record the corresponding transaction flow;

Step 6. Commercial Bank: Send prompt information to both parties.

User 3 can withdraw cash from a commercial bank or ATM with the password reserved by himself, and the process is the same as the cashing process.

It is defined in the D-RMB system that only one offline transaction is allowed for users. That is, when the function "offline payment to non-registered users" is selected, the mobile phone client determines whether the user has received the prompt information sent by the commercial bank in step 6 in the above-mentioned offline payment step description during the last offline transaction. , indicating that the last offline payment has not been completely completed. At this time, the mobile client rejects the user to select the function "offline payment to non-registered users", and continues to wait for the completion of the above offline payment, and then allows the user to select the function "offline payment to non-registered users". , which helps avoid malicious mass offline payments.

In the offline payment process, as for the issue of change, because it is a fully simulated face value issuance, it can be changed just like a cash transaction. If the digital currency is issued in the smallest unit, there is no change problem.

The deposit and redemption process is explained below.

Process description: Users deposit D _coins into their bank accounts or exchange them for physical cash.

Scenario description: The user (mobile phone number 1) converts 100 D _coins stored in the mobile phone client into 100 yuan in physical cash, and deposits 100 yuan in the user's ICBC account B with the D _{coins 100} ' on the mobile phone client.

Step-by-step instructions (to cash out):

Step 1. The user logs in to the mobile client APP, selects the function "Redeem", enters: the amount to be cashed (such as 100 yuan), and clicks "Send"; if the user is a non-registered user, he also needs to enter the withdrawal password;

Step 2. Mobile client: automatically select 100 digital currency D _coins with an amount of 100 yuan, organize relevant information according to transaction rules and send it to the commercial bank D-RMB system;

Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 100} , whether the transaction amount is consistent with the digital currency value, whether the user is a registered user, etc.), perform corresponding operations, and follow the transaction rules. Reorganize the message to send a request to the central bank's D-RMB system;

Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as whether the owner of D _{Coin 100} is the user 1 wallet address, etc.), the system generates a one-time identification code (for withdrawal), executes relevant operations, and registers with the center : Change the owner of D _{Coin 100} , change the bound user 1 wallet address to the central bank code, and record the corresponding transaction flow; Issuing library: Receive D _{Coin 100} ; Feedback the one-time code and other relevant information to the D-RMB system of the commercial bank;

Step 5. Commercial Bank: Feedback the one-time code and prompt information to the user;

Step 6. The user can withdraw cash from any ATM or commercial bank with the one-time identification code on the mobile phone;

Step 7. Taking the user to withdraw cash at the counter of a commercial bank as an example, the commercial bank counter enters the one-time identification code provided by the user and his own bank code, and sends the transaction information to the central bank's D-RMB system, and the system performs conditions according to the one-time identification code. It is judged that if the verification is passed, the amount of the D _bank account will be increased by 100 yuan. and feedback relevant results to commercial banks;

Step 8. After the amount in the commercial bank D _bank account increases by 100 yuan, pay cash to the user in person.

If cashing out on an ATM machine, in the above step 7, the user enters the one-time identification code and his bank code on the ATM machine, the ATM machine sends the transaction information to the central bank's D-RMB system, and the system judges the condition according to the one-time identification code. , if the verification is passed, the amount of the D _bank account will be increased by 100 yuan. The relevant results are fed back to the ATM machine, and the ATM machine dispenses 100 yuan.

It can also be designed so that users of a commercial bank (such as ICBC) can only cash out within the scope of the bank, as follows:

Step 1. The user logs in to the mobile client APP (the client of the industrial and commercial D-RMB system), selects the function "Cash in this bank", enters: the amount to be redeemed (such as 100 yuan), and clicks "Send";

Step 2. Mobile client: automatically select 100 digital currency D _coins with an amount of 100 yuan, organize relevant information according to transaction rules and send it to the commercial bank D-RMB system;

Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 100} , whether the transaction amount is consistent with the digital currency value, whether the user is a registered user, etc.), and the system generates a one-time identification code (withdrawal). Use ), perform the corresponding operation, the bank library: receive D _{currency 100} ; and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as whether the owner of D _{Coin 100} is User 1's wallet address, etc.), perform relevant operations, and register the center: Change the owner of D _{Coin 100} and bind it Change the wallet address of user 1 to the commercial bank code, and record the corresponding transaction flow; the D-RMB system of the commercial bank feeds back the transaction information;

Step 5. Commercial Bank: Feedback the one-time code and prompt information to the user;

Step 6. The user can withdraw cash from any ATM or branch of ICBC with the one-time identification code on the mobile phone;

Step 7. Take the user to withdraw cash at the counter of ICBC as an example, enter the one-time identification code provided by the user at the counter, find the corresponding cashing record in the D-RMB system of the bank, and verify the necessary conditions. Perform relevant operations, print the corresponding receipt and pay cash to the user in person.

Step-by-step instructions (deposit):

Step 1. The user logs in to the mobile client APP, selects the function "Deposit", enters: ICBC account B _account number, D _currency amount (such as 100 yuan), and clicks "Send";

Step 2. Mobile client: automatically select the digital currency D _{currency 100} ' with an amount of 100 yuan, organize the relevant information according to the transaction rules and send it to the commercial bank D-RMB system;

Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{currency 100} ', whether the transaction amount is consistent with the digital currency value, whether the user is a registered user, etc.), and perform corresponding operations. Bank library: Receive D _{currency 100} '; and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as whether the owner of D _{coin 100} is the wallet address of User 1, etc.), perform relevant operations, and register the center: change the owner of D _coin , and bind the Change the wallet address of User 1 to the commercial bank code, record the corresponding transaction flow; feedback transaction information;

Step 5. Commercial bank: add 100 yuan to the account of user B's _account . and feedback the relevant results to the user's mobile phone;

Step 6. Mobile client: prompts that the transaction is successful.

The duplicate transaction detection is described below. In the case of online transactions, the D-RMB system prevents repeated transactions by binding D _coins to user accounts. The registration center in the D-RMB system has an ownership registration form, and the style of the record form can be designed as shown in Table 1:

Table 1

digital currency name owner Remark Pbc100adfkl09987766670 138xxxxx 001 D_{Coin 100} ... ... ... Pbc50cadfkl09987766670 137xxxxx 002 D_{Coin 50}

When user 1 (mobile phone number 138xxxxx001) pays D _{currency 100} to user 2 (mobile phone number 138xxxxx002), the ownership registration form of the D-RMB system registration center: change the owner corresponding to D _{currency 100} , and change the original mobile phone number 138xxxxx001 in the owner field Change the wallet address of 138xxxxx002 to the wallet address of the mobile phone number 138xxxxx002. If user 1 still wants to pay other users with D _{coins 100} , the owner is not user 1 and cannot complete the payment, so as to prevent repeated payments.

If the owner is represented by the public key hash in the registration center ownership registration table in the D-RMB system, the registration center ownership registration table can be designed as shown in Table 2:

Table 2

Assuming that the value of H(138xxxxx001) is 1Xadcfdgdadg, and the value of H(138xxxxx002) is 2xcfdald3xgdf, user 1 (mobile phone number 138xxxxx001) is in the process of paying D _{coins 100} to user 2 (mobile phone number 138xxxxx002), D-RMB system registration center ownership registration form : Change the corresponding owner of D _{coin 100} , and change 1Xadcfdgdadg in the owner field to 2xcfdald3xgdf. If user 1 wants to pay other users with D _{coin 100} , the owner is no longer user 1, and the payment cannot be completed. Prevent double payments.

In the case of offline transactions, it is found and held accountable by lagging duplicate payment checks. At present, almost all electronic cash systems perform duplicate payment checks with a lag, that is, duplicate payment checks are performed after the payment process is completed.

At the same time, the transaction we set is a small payment (less than 1,000 yuan), which is an acceptable range for individual users, and a post-event accountability mechanism is adopted. Bad records will be entered into the credit reporting system for punishment.

The above describes the various business processes of operating D-RMB with the user's mobile phone as the terminal and the mobile phone number as the identity. The following will explain the business process of the IC card as the digital currency carrier.

The issuance library is set up on the central server of the central bank, and the bank library is set up on the commercial bank side. Same as above, in the business process description of the simulated scenario, "commercial bank" is used as the collective name for the D-RMB system and its internal related systems at the commercial bank, and "central bank" is used as the D-RMB system at the central bank and its related systems. collective name. The following describes the four important processes of registration (i.e. applying for a card), withdrawal, payment, deposit and cashing, using the D-RMB card as a carrier, and conducting face-to-face transactions.

The user's D-RMB card application, withdrawal, deposit and cashing are all required to be completed online, and the payment process can be divided into online payment and offline payment. After the user receives the D-RMB chip card in a safe way, he can store D _coins in the D-RMB chip card. The D-RMB chip card contains integrated circuits and storage media, and can be made into a single card with a standard size (such as the size of a currently used bank card), or can be integrated into other chips or cards during the process of the integrated circuit. For example, the D-RMB chip card can be in the following forms: visual Bluetooth IC card form (hereinafter referred to as visual IC card), IC card form (that is, ordinary IC card), mobile phone-eSE form (that is, mobile phone embedded IC card), mobile phone-secure SD card form (that is, built-in secure SD card), mobile phone-SIM card form. In addition, the mobile phone-cloud SE form can also be used as the carrier of D-RMB, not limited to chip cards. The following is a brief description of the process of D- _coin extraction, consumption, storage, etc. in combination with specific scenarios, and indicates the applicable D-RMB chip card form in the corresponding scenario (hereinafter, "full form" is used to refer to all the D-RMB chips mentioned above. card form).

(1) Application for D-RMB chip card

Process description: The user applies for the D-RMB chip card at the counter of the commercial bank.

Applicable D-RMB chip card form: full form

Scenario description: omitted.

Step Instructions:

Step 1. The user goes to the counter of the commercial bank, submits the relevant ID information, and applies for a D-RMB chip card;

Step 2. Commercial Bank: Enter the applicant and card-related information (such as name, address, email address, mobile phone number, ID number, card number, etc.) on the registration D-RMB system page. The user creates a D-RMB account and sends it to the central bank's D-RMB system (IBC Certification Center). The D-RMB chip card can be designed to be completely anonymous. If it is safe and anonymous, it is not necessary to enter the applicant's identity information. This article is designed with controllable anonymity, and the card number is bound to the applicant's identity information in the background.

Step 3. Central Bank: Verify its uniqueness at the IBC Center (here, the card number is used as an example of an account number). IBC Center: Generate the user's private key according to the card number, the public key is the D-RMB chip card number, and the public key is used as the account for transaction flow;

Step 4. Commercial bank: follow the transaction prompts, download the user's private key and the central bank's public key to the D-RMB chip card protection area (write the card and plant the key), complete the card initialization, deliver the card to the user, and complete the registration of important certificates work, deal closed.

(2) Extraction process

Process description: The user converts the physical cash or the assets of the bank account into D _coins and writes it into the card. The first extraction process also includes the D-RMB chip card application process. The following describes some processes, scenarios and steps after the user has received the card.

The withdrawal of D _Coins by cash is actually the exchange of D _Coins , which will be described below.

Process description: The user takes physical cash to withdraw D _coins to the D-RMB chip card

Scenario description: Exchange D _currency with cash. For example, if a user takes 250 yuan in cash to exchange D _currency at an ATM or a commercial bank counter (such as an ICBC branch), the counter operation is used as an example to explain.

Applicable D-RMB chip card form: full form

Step Instructions:

Step 1. The user submits a D-RMB chip card and 250 yuan in cash to a commercial bank such as an outlet of ICBC to apply for the exchange of the corresponding amount of D _currency ;

Step 2. Commercial bank: Count the cash, verify the relevant legitimacy (such as whether the D _currency in the bank vault is enough to pay, etc.), complete the bookkeeping of its own internal system, and withdraw D _{currency 100} , D _{currency 100} ' and D _{currency 50} from the bank vault; Organize relevant information according to transaction rules and send requests to the central bank's D-RMB system;

Step 3. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as D _{coin 100} , D _{coin 100} ' and whether the owner of D _{coin 50} is ICBC, etc.), perform relevant operations, and the registration center: Change D _{coin 100} , D _{coins 100} ' and D _{coins 50} owners, change the bound ICBC code to the wallet address corresponding to the D-RMB chip card; record the corresponding transaction flow;

Step 4. Commercial Bank: Write D _{Coin 100} , D _{Coin 100} ' and D _{Coin 50} to the user's D-RMB chip card, complete internal corresponding operations, and print a receipt for successful transaction.

The ATM process is basically the same as above.

In addition to converting physical cash into D _coins and writing them into the card, you can also transfer money from the user's bank account to withdraw D _coins to the D-RMB chip card. It will be explained below.

Process description: The user transfers and withdraws D _coins from the B _account to the D-RMB chip card.

Applicable D-RMB chip card form: full form

Scenario description: The user transfers and withdraws 250 yuan D _coins from the ICBC account B _account to the D-RMB chip card, and he can transfer 250 yuan from his bank account B _account to withdraw D _coins through commercial bank counters, ATM machines, etc. Write to the D-RMB chip card. Different channels have different card reading and writing equipment, and the general process is the same. I will not describe them one by one here, but only take the bank counter operation as an example.

Step Instructions:

Step 1. User: apply to the counter teller of the commercial bank for 250 yuan to withdraw D _currency , submit the bank card and D-RMB chip card, fill in the relevant documents, and enter the account password of the B _account ;

Step 2. Commercial bank: Verify the relevant legality, such as verifying the account password, whether the balance of the user's capital _account , that is, whether the balance of the B _account is sufficient, whether the D _currency in the bank vault is enough, etc.; D _{currency 100} , D _{currency 100} ' and D _{currency 50} ; organize relevant information according to transaction rules and send a request to the central bank's D-RMB system;

Step 3. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as D _{coin 100} , D _{coin 100} ' and whether the owner of D _{coin 50} is ICBC, etc.), perform relevant operations, and the registration center: Change D _{coin 100} , D _{coins 100} ' and D _{coins 50} owners, change the bound ICBC code to the wallet address of the D-RMB chip card; record the corresponding transaction flow;

Step 4. Commercial Bank: Write D _{Coin 100} , D _{Coin 100} ' and D _{Coin 50} to the user's D-RMB chip card, complete internal corresponding operations, and print a receipt for successful transaction.

This process is not only a user withdrawal process, but also a process of D-RMB digital currency from the bank vault to the user terminal, that is, the process of entering the circulation field of legal digital currency.

The payment process based on the D-RMB chip card is described below. The user holds D-RMB chip card to pay for transaction, which can be used to spend on the POS machine of the networked merchant, or to pay with the card to the online mobile phone, and also supports the card to pay for consumption online (online payment). In addition, in offline scenarios, it also supports offline POS payment, mobile phone payment without signal, and card-to-card payment. These payment processes can also be subdivided into full payment and change payment, which will be explained below.

Process description: D-RMB chip card online payment on the merchant POS machine.

Scenario description: Online payment is also called online payment, which involves two scenarios of full payment and change payment. For example, the payment user D-RMB chip card 1 has the digital currency D _{currency 100} , D _{currency 100} ', D _{currency 50} , which means that he has two 100 yuan and one 50 yuan, a total of 250 yuan, which needs to be paid to The recipient merchant user 2 (POS machine 2) is 200 yuan, and another payment merchant user 3 (POS machine 3) needs to pay 30 yuan. Assume that the merchant user of the POS machine is a customer of ICBC. When the user's D-RMB chip card 1 pays to the POS machine 2, it is the full payment, and the user 1 pays the POS machine 3 as a change payment. The change payment can be the same as the physical currency. If the POS machine 3 has D _{coins of 20} , the user D-RMB chip card 1 can first pay 50 yuan to the merchant POS machine 3, and then the merchant POS machine 3 pays 20 yuan to the user D- RMB chip card 1, that is, through two full payments (if the digital currency is issued in the smallest unit, there is no change problem), or through the user D-RMB chip card 1, first apply to the D-RMB system for change exchange, and then Pay the full amount of the exchanged change selection and combination to the merchant POS machine 3 .

Applicable D-RMB chip card form: all forms, including mobile phones.

Step description (pay in full):

Step 1. POS machine 2: Enter the consumption amount of 200 yuan at the POS;

Step 2. D-RMB chip card 1: communicate with the POS machine through wireless interfaces such as NFC, automatically select the digital currency D _{coin 100} ' and D _{coin 100} with an amount of 200 yuan, and send them to the POS machine;

Step 3. POS machine 2: collect D _{coins of 100} ' and D _{coins of 100} , and carry out relevant legality checks, such as preliminary card inspection, D-RMB and judging whether the amount is sufficient, etc., organize relevant information according to transaction rules and send them to commercial banks D- RMB system;

Step 4. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as D _{coin 100} ', D _{coin 100} legitimacy, whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and renew according to the transaction rules. Organize messages to send requests to the central bank's D-RMB system;

Step 5. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D _{coin 100} , whether the owner of D _{coin 100} ' is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Change D _{coin 100} , D _{coins 100} ' owner, change the bound D-RMB chip card 1 wallet address to the merchant code corresponding to POS machine 2; record the corresponding transaction flow;

Step 6. Commercial bank: send D _{coins 100} ' and D _{coins 100} to POS machine 2, and send a prompt message that the transaction is successful.

Step 7. POS machine 2: Print the receipt and the transaction is completed.

The above completely simulates the process of merchants receiving physical cash, and D _coins are stored on the POS machine 2 during this process. This process can also be designed so that the merchant automatically transfers D _coins to the settlement account. details as follows:

Step 1. POS machine 2: Enter the consumption amount of 200 yuan at the POS;

Step 2. D-RMB chip card 1: communicate with the POS machine through wireless interfaces such as NFC, automatically select the digital currency D _{coin 100} ' and D _{coin 100} with an amount of 200 yuan, and send them to the POS machine;

Step 3. POS machine 2: Carry out relevant legality checks, such as preliminary card inspection and D-RMB check and determine whether the amount is sufficient, etc., organize relevant information according to transaction rules and send it to the commercial bank D-RMB system;

Step 4. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as D _{coin 100} ', D _{coin 100} legitimacy, whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and the bank treasury collects D _{coin 100} ', D _{currency 100} , and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 5. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D _{coin 100} , whether the owner of D _{coin 100} ' is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Change D _{coin 100} , D _{currency 100} 'owner, change the bound D-RMB chip card 1 wallet address to the commercial bank code corresponding to the merchant account; record the corresponding transaction flow;

Step 6. Commercial bank: increase the amount in the merchant user's bank account by 200 yuan, and feedback relevant information;

Step 7. POS machine 2: Print the receipt and the transaction is completed.

Step-by-step instructions (change change):

Step 1. POS machine 3: insert the D-RMB chip card, select the function "replace zero", input: exchange amount (such as 50 yuan), face value requirements (such as 20 yuan for two pieces, 10 yuan for one piece); click "send" ";

Step 2. D-RMB chip card and POS machine 3: Automatically select a digital currency of 50 yuan such as D _{coin 50} , organize relevant information according to transaction rules, and send it to the commercial bank D-RMB system;

Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as the legality of D _{coin 50} , whether the transaction amount is consistent with the digital currency value, etc.), and perform corresponding operations. Bank library: receive D _{coin 50} , and withdraw D _{Coin 20} , D _{Coin 20} ', D _{Coin 10} ; and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as whether the owners of D _{coin 20} , D _{coin 20} ', D _{coin 10} and D _{coin 50} are legal, etc.), perform relevant operations, and register the center: change For owners of D _{coin 20} , D _{coin 20} ', D _{coin 10} and D _{coin 50} , change the wallet address of D-RMB chip card 1 bound to D _{coin 50} to ICBC code, D _{coin 20} , D _{coin 20} ', D coin 1 Change the ICBC code bound to _{Coin 10} to the wallet address of D-RMB chip card 1; record the corresponding transaction flow;

Step 5. Commercial bank: send D _{coin 20} , D _{coin 20} ', D _{coin 10} to POS machine 3 to write D-RMB chip card 1, and send transaction success information.

Other transaction processes are the same as full payment. which is:

Step 6. POS machine 3: Enter the consumption amount of 30 yuan at the POS;

Step 7. D-RMB chip card 1: communicate with the POS machine through wireless interfaces such as NFC, and automatically select the digital currency D _{coin 20} and D _{coin 10} with an amount of 30 yuan; send to the POS machine;

Step 8. POS machine 3: collect D _{coins 20} and D _{coins 10} , and carry out relevant legality checks, such as preliminary card inspection, D-RMB and judging whether the amount is sufficient, etc., organize relevant information according to the transaction rules and send it to the commercial bank D-RMB system;

Step 9. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 20} , D _{coin 10} , whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and reorganize according to the transaction rules The message sends a request to the central bank's D-RMB system;

Step 10. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D _{coin 20} , whether the owner of D _{coin 10} is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Change D _{coin 20} , D _{coin 10} ' owner, change the bound D-RMB chip card 1 wallet address to the merchant code corresponding to POS machine 3; record the corresponding transaction flow;

Step 11. Commercial bank: send D _{coins 20} and D _{coins 10} to POS machine 3, and send a prompt message that the transaction is successful.

Step 12. POS machine 3: Print the receipt and the transaction is completed.

In the specific application development process, the above can be designed as program linkage processing.

Process description: Visual D-RMB chip card online payment on the mobile phone.

Scenario description: The payment user can see that the D-RMB chip card 1 has digital currency D _{currency 100} , D _{currency 100} ', D _{currency 50} , which means that he has two 100 yuan and one 50 yuan, a total of 250 yuan, It is now necessary to pay RMB 200 to the recipient user 2 (mobile phone 2).

Applicable D-RMB chip card form: visual D-RMB chip card

Step Instructions:

Step 1. D-RMB chip card 1: Input the amount of 200 yuan, communicate with the mobile phone through wireless technologies such as Bluetooth and NFC, automatically select the digital currency D _{coin 100} ' and D _{coin 100} with an amount of 200 yuan, and send to the mobile phone;

Step 2. Mobile phone 2: Receive D _{coin 100} ', D _{coin 100} , carry out relevant legality checks, such as preliminary card check D-RMB and determine whether the amount is sufficient, etc., organize relevant information according to transaction rules and send it to commercial bank D-RMB system;

Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 100} ', D _{coin 100} , whether the transaction amount is consistent with the digital currency value, whether the mobile phone 2 is a registered user, etc.), and execute the corresponding operation, and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as D _{coin 100} ', whether the owner of D _{coin 100} is a D-RMB chip card 1, whether the transaction amount is consistent with the digital currency value, etc.), execute Relevant operations, registration center: change the owner of D _{coin 100} ' and D _{coin 100} , change the bound D-RMB chip card 1 wallet address to the user 2 wallet address; record the corresponding transaction flow;

Step 5. Commercial bank: Feed back the transaction success information to the mobile phone 2. If the reminder service via mobile phone is reserved during the application process of the D-RMB chip card, the relevant information of the transaction will be sent to the mobile phone corresponding to the D-RMB chip card at the same time;

Step 6. Mobile phone 2: Feedback the transaction OK to the D-RMB chip card, and the transaction is successful.

Process description: Open the D-RMB chip card reminded by the mobile phone and pay online on the mobile phone.

Scenario description: The payment user D- _{RMB chip} card ₁ has reserved a mobile phone number and has enabled the SMS notification function during the application process. It has two pieces of 100 yuan and one piece of 50 yuan, a total of 250 yuan, and now needs to pay the recipient 2 (mobile phone 2) 200 yuan.

Applicable D-RMB chip card form: mobile phone, D-RMB chip card with reminder service through mobile phone SMS.

Step Instructions:

Step 1. Mobile phone 2: Select the function menu "Pay with the other party's card", and enter the payment amount of 200 yuan;

Step 2. D-RMB chip card 1: communicate with the mobile phone through wireless technologies such as Bluetooth and NFC, automatically select the digital currency D coins with an amount of 200 yuan, D _{coins 100} ' and D _{coins 100} , and send them to the phone;

Step 3. Mobile phone 2: Receive D _{coins 100} ' and D _{coins 100} , and carry out relevant legality checks, such as preliminary card inspection, D-RMB and judging whether the amount is sufficient, etc., organize relevant information according to transaction rules and send it to commercial banks D-RMB system;

Step 4. Commercial bank: Interpret the transaction rules and related information, and verify the relevant legality (such as whether the D-RMB chip card 1 has a corresponding mobile phone SMS reminder function, whether the transaction amount is consistent with the digital currency value, etc., in order to strengthen risk control management, also It can be added to the transaction confirmation of the mobile phone registered with the D-RMB chip card 1), perform corresponding operations, and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 5. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D _{coin 100} ', whether the owner of D _{coin 100} is D-RMB chip card 1, whether the transaction amount is consistent with the digital currency value, etc.), execute Relevant operations, registration center: change the owner of D _{coin 100} ' and D _{coin 100} , change the bound D-RMB chip card 1 wallet address to the user 2 wallet address; record the corresponding transaction flow;

Step 6. Commercial bank: Feed back the transaction success information to the mobile phone 2, and send transaction-related information to the mobile phone corresponding to the D-RMB chip card.

The process here can also be designed as the confirmation of the D-RMB chip card corresponding to the mobile phone participating in the transaction, and the specific details can be determined by the business department.

Process description: D-RMB chip card online payment.

Scenario description: The paying user D-RMB chip card 1 has digital currency D _{coin 100} , D _{coin 100} ', and D _{coin 50} , which means that he has two 100 yuan and one 50 yuan, a total of 250 yuan, now Online shopping via a personal terminal card reader or mobile phone will require a payment of RMB 250 to the recipient merchant.

Use D-RMB chip card form: full form

Step instructions:

Step 1. Paying user: select a product on a merchant's shopping website or APP, and choose D _currency to pay;

Step 2. Merchant users: call the D-RMB system payment plug-in to obtain the relevant information of the D-RMB chip card and the D _{coins 100} , D _{coins 100} ' and D _{coins 50} , and conduct relevant legality checks, such as preliminary card verification D-RMB and determine whether the amount is sufficient, etc., organize relevant information including merchant bank account information and send it to the commercial bank D-RMB system according to the transaction rules;

Step 3. Commercial bank: Interpret the transaction rules and related information, and verify the relevant legality (such as the legality of D _{coin 100} , D _{coin 100} ', D _{coin 50} , whether the transaction amount is consistent with the digital currency value, whether the merchant's bank account is available, etc.) , perform the corresponding operation, the bank library: receive D _{coins 100} , D _{coins 100} ', D _{coins 50} , and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 4. Central Bank: Interpret the transaction rules and related information, and verify the relevant legality (such as whether the owner of D _{coin 100} , D _{coin 100} ', D _{coin 50} is a D-RMB chip card 1, and whether the transaction amount is consistent with the digital currency value. etc.), perform relevant operations, register the center: change the owner of D _{coin 100} , D _{coin 100} ', and D _{coin 50} , change the bound D-RMB chip card 1 wallet address to the account opening bank code corresponding to the merchant account; record corresponding transaction flow;

Step 5. Commercial bank: add the corresponding amount (250 yuan) in the merchant's account, and notify the merchant that the payment is successful;

Step 6. Merchant user: online payment transaction is successful, offline delivery is organized, and relevant information is fed back to the paying user;

If the change operation is involved, please refer to the POS online payment process described above.

The above focuses on describing the process and specific steps in several typical application scenarios of online payment of D-RMB chip card. The following will focus on offline payment of D-RMB chip card, including offline POS machines, mobile phones without network signals, and card and Typical application scenarios such as offline payment between cards are described.

The offline payment defined in the D-RMB system refers to near-field payment. During this process, the receiver needs to confirm the payment online afterwards. As in the previous process, during the offline payment process, the receiving user can verify the authenticity of the digital currency at the time of the received D _coin , but it is still necessary to carry out background verification on whether the D _coin has been repeatedly paid. The design idea is: the D _coin that needs to be verified by repeated payment is marked as "repeated payment verification pending" in the client e-wallet program (such as POS machine), and once the POS machine is connected to the network, it will automatically make repeated payments to the D-RMB system. Validate application. The D-RMB system receives the verification application and performs corresponding operations, supplements the transaction flow in the registration center, and updates the owner of the D _coin . If the payee is not a registered user of the D-RMB system, the system will also record the withdrawal password reserved by the payee, which will be explained in detail below.

Process description: D-RMB chip card is paid offline on the merchant's POS machine.

Scenario description: The paying user D-RMB chip card 1 has digital currency D _{coin 100} , D _{coin 100} ', and D _{coin 50} , which means that he has two 100 yuan and one 50 yuan, a total of 250 yuan. 200 yuan needs to be paid to the recipient merchant user 2 (POS machine 2), and the merchant user POS machine is offline.

Applicable D-RMB chip card form: all forms, including mobile phones.

Step instructions:

Step 1. POS machine 2: Select offline payment at POS, and enter the consumption amount of 200 yuan;

Step 2. D-RMB chip card 1: communicate with the POS machine through wireless interfaces such as NFC, automatically select the digital currency D _{coin 100} ' and D _{coin 100} with an amount of 200 yuan, and send them to the POS machine;

Step 3. POS machine 2: Receive D _{coins 100} ' and D _{coins 100} , and carry out relevant legality checks, such as checking the card, checking D-RMB and judging whether the amount is sufficient, etc. After the verification is passed, the face-to-face transaction ends, and a receipt is printed. Once the POS machine is connected to the network, it will automatically apply for repeated payment verification to the D-RMB system of the commercial bank, and organize the relevant information according to the transaction rules and send it to the D-RMB system of the commercial bank;

Step 4. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as D _{coin 100} ', D _{coin 100} legitimacy, whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and renew according to the transaction rules. Organize messages to send requests to the central bank's D-RMB system;

Step 5. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D _{coin 100} , whether the owner of D _{coin 100} ' is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Change D _{coin 100} ', the owner of D _{currency 100} , change the wallet address of the bound D-RMB chip card 1 to the merchant code corresponding to the POS machine 2; record the corresponding transaction flow;

Step 6. Commercial bank: feedback the successful verification information to the POS machine 2.

The above completely simulates the process of merchants receiving physical cash, and D _coins are stored on the POS machine 2 during this process. This process can also be designed so that the merchant automatically transfers D _coins to the settlement account. details as follows:

Step 1. POS machine 2: Once connected to the Internet, it will automatically send transaction information, received all D _currency information and merchant user bank account and other related information to the commercial bank according to the transaction rules;

Step 2. Commercial bank: carry out relevant legality verification, bank vault: receive D _{currency 100} , D _{currency 100} ', organize relevant information according to transaction rules and send it to the central bank D-RMB system;

Step 3. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as whether the owner of the D _currency is a D-RMB chip card 1, whether the transaction amount is consistent with the digital currency value, etc.), and perform the corresponding operations. Registration Center: Change the owner of D _{coin 100} ' and D _{coin 100} , change the bound D-RMB chip card 1 wallet address to the commercial bank code corresponding to the merchant account; record the corresponding transaction flow;

Step 4. Commercial Bank: Increase the amount in the merchant user's bank account by the corresponding amount, and feed back the relevant information;

Step 5. POS machine 2: Enter the receipt and the transaction is completed.

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

Applicable D-RMB chip card form: visual D-RMB chip card.

Scenario description: According to whether the receiving user is a registered user, there are two scenarios for discussion. Payment can be made by D-RMB chip card 1. There are digital currency D _{coin 100} , D _{coin 100} ', D _{coin 50} , which means that it has two pieces of 100 yuan and one piece of 50 yuan, totaling 250 yuan, and it needs to be paid offline now. 200 yuan to the recipient user 2 (mobile phone number 2), and 50 yuan to another recipient user 3 (mobile phone number 3) to be paid offline. Among them, the user 2 is a registered user of the D-RMB system, and the user 3 is not registered, and only downloads the D-RMB client on the mobile phone 3 .

Instructions for offline payment to user 2 (both the payer and the payee are registered users):

Step 1. D-RMB chip card: Enter the payment amount (such as 200 yuan), communicate with the mobile phone through Bluetooth, NFC and other wireless technologies, automatically select the digital currency D _{coin 100} ' and D _{coin 100} with an amount of 200 yuan, and send them to the mobile phone ;

Step 2. User 2 mobile client: interpret the transaction rules and related information, verify the relevant legality (such as D _{coin 100} ', D _{coin 100} legitimacy, whether the transaction amount matches, etc.), and the face-to-face transaction ends after passing. In the online state, report the payment transaction information containing D _currency with the signature of the paying user's D-RMB chip card 1 to the D-RMB system of the commercial bank (terminal design can be automatically verified online);

Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 100} ', D _{coin 100} , whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and renew according to the transaction rules. Organize messages to send requests to the central bank's D-RMB system;

Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D _{coin 100} , whether the owner of D _{coin 100} ' is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Change D _{coin 100} ', the owner of D _{coin 100} , change the wallet address of the bound D-RMB chip card 1 to the wallet address of user 2; record the corresponding transaction flow;

Step 5. Commercial Bank: Send a message indicating that the verification is successful.

Instructions for offline payment to user 3 (the payee is a non-registered user):

Step 1. User 3's mobile client: log in to the mobile client APP, select the function "offline collection for non-registered users", and enter: the amount to be paid (such as 50 yuan), the pin code left by the payee (input by user 3, To prove the identity of the withdrawer), click "Start Card Reading";

Step 2. D-RMB chip card: enter the payment amount (such as 50 yuan), communicate with the mobile phone through wireless technologies such as Bluetooth and NFC, automatically select the digital currency D _{coin 50} with an amount of 50 yuan, and start communication with the mobile phone;

Step 3. User 3 mobile client: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 50} , whether the transaction amount matches, etc.), and the face-to-face transaction ends after passing. In the online state, the relevant information with the payment D-RMB chip card signature, D _coin payment transaction information and personal reserved password will be automatically reported to the D-RMB system of the commercial bank;

Step 4. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 50} , whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and reorganize the message to the central bank according to the transaction rules. The D-RMB system sends a request;

Step 5. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as whether the owner of D _{coin 50} is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Update the owner of D _coin , And leave the password of the payee; record the corresponding transaction flow;

Step 6. Commercial Bank: Send a message to indicate that the verification is successful and take care to keep the password. The payee needs to present his mobile phone number and the correct reserved password when cashing out.

Process description: Offline payment from D-RMB chip card to D-RMB chip card.

Applicable D-RMB chip card form: visual D-RMB chip card.

Scenario description: D-RMB chip card 1 has digital currency D _{coin 100} , D _{coin 100} ', and D _{coin 50} , which means that it has two 100 yuan and one 50 yuan, a total of 250 yuan, Offline payment is now required to the visual collection D-RMB chip card 2 RMB 200.

Step 1. D-RMB chip card 1: Enter the payment amount (such as 200 yuan), communicate with the mobile phone through Bluetooth, NFC and other wireless technologies, automatically select the digital currency D _{coin 100} ' and D _{coin 100} with an amount of 200 yuan, and send to D-RMB chip card 2;

Step 2. D-RMB chip card 2: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 100} ', D _{coin 100} , whether the transaction amount is consistent, etc.), after passing the payment amount of 200 will be displayed, face to face The deal is over. In the online state (such as networking through a personal terminal card reader), report the payment transaction information containing D _currency with the signature of the paying user's D-RMB chip card 1 to the D-RMB system of the commercial bank;

Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as D _{coin 100} ', D _{coin 100} legitimacy, whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and renew according to the transaction rules. Organize messages to send requests to the central bank's D-RMB system;

Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as D _{coin 100} , whether the owner of D _{coin 100} is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: fill in the corresponding Running water, update the owner of D _{coin 100} ' and D _{coin 100} , and change the bound D-RMB chip card 1 wallet address to D-RMB chip card 2 wallet address;

Step 5. Commercial bank: Send a message indicating that the verification is successful and write the D- _coin status on the D-RMB chip card 2 as verified and can be used normally.

Regarding the issue of change in the offline payment process, because it is a complete simulation of face value issuance, it is like a cash transaction. Under the condition of change, the change can be realized according to the design of two-way full payment. If the digital currency is issued in the smallest unit, there is no change problem.

The deposit process is explained below.

Process description: The user deposits the D _coins in the D-RMB chip card into the bank account.

Applicable D-RMB chip card form: full form

Scenario description: The user's D-RMB chip card 1 has digital currency D _{coin 100} , D _{coin 100} ', D _{coin 50} , which means that he has two 100 yuan and one 50 yuan, a total of 250 yuan, which can be Store D _coins in your own bank account B _account through commercial bank counters, ATM machines, online banking or mobile banking operations. Different channels have different card reading devices, and the general process is the same. I will not explain them one by one here. Only ATM machines are used. Take the steps as an example.

Step instructions:

Step 1. The user inserts the bank card and the D-RMB chip card into the ATM machine (the ATM also supports the card swipe operation, so it can also support the D-RMB chip card in the form of mobile phone-XX), and select the D-RMB deposit service;

Step 2. ATM machine: prompt the user to input the deposit amount;

Step 3. User: Enter the deposit amount of 250 yuan, and click OK;

Step 4. ATM machine: The ATM takes out D _{coins 100} , D _{coins 100} ', and D _{coins 50} from the D-RMB chip card, and verifies the authenticity and the owner. After the verification is passed, the bank card number, D _{coins 100} , D _{coins 100} ', and D _{currency 50} organize relevant information according to the transaction rules and send it to the D-RMB system of the commercial bank where the bank card is opened;

Step 5. Commercial bank: Interpret the transaction rules and related information, and verify the relevant legality (such as the legality of D _{currency 100} , D _{currency 100} ', D _{currency 50} , the legality of the bank card, whether the transaction amount is consistent with the value of the digital currency, etc.), Execute the corresponding operation, the bank library: receive D _{coins 100} , D _{coins 100} ', D _{coins 50} , and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

Step 6. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as whether the owner of D _{coin 100} , D _{coin 100} ', D _{coin 50} is a D-RMB chip card 1, etc.), perform relevant operations, and register with the center : Update the owner of D _{Coin 100} , D _{Coin 100} ', D _{Coin 50} , change the wallet address of the bound D-RMB chip card 1 to the corresponding commercial bank code; record the relevant flow;

Step 7. Commercial bank: add 250 yuan to the user's B account; feedback relevant information;

Step 8. ATM machine: prompting that the deposit is completed, please take back the bank card and D-RMB chip card.

The redemption process will be described below.

Process description: The user exchanges the D _currency in the D-RMB chip card into physical cash.

Applicable D-RMB chip card form: full form

Scenario description: The user's D-RMB chip card 1 has digital currency D _{coins 100} , D _{coins 100} ', D _{coins 50} ,

It means that he owns two pieces of 100 yuan and one piece of 50 yuan, totaling 250 yuan, and he can apply for the exchange of D _currency into physical cash through commercial bank counters and ATM machines. Now take the ATM machine for 100 yuan banknotes as an example Step-by-step instructions.

Step Instructions:

Step 1. The user inserts the D-RMB chip card into the ATM, (the ATM also supports the card swipe operation, so it can also support the D-RMB chip card in the form of mobile phone-XX), select the cash exchange business, and enter the exchange amount as 100 yuan;

Step 2. ATM and D-RMB chip card: automatically select the amount of 100 yuan digital currency D _{coins 100} , organize relevant information according to the transaction rules and send it to the commercial bank D-RMB system;

Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D _{coin 100} , whether the transaction amount is consistent with the value of the digital currency, etc.), perform corresponding operations, bank library: receive D _{coin 100} , and according to The transaction rules reorganize the message and send a request to the central bank's D-RMB system;

Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as whether the owner of D _{Coin 100} is a D-RMB chip card 1, etc.), and perform relevant operations. Registration Center: Update the owner of D _{Coin 100} , and put Change the wallet address of the bound D-RMB chip card 1 to the corresponding commercial bank code; record the relevant flow;

Step 5. Commercial bank: feedback relevant information;

Step 6. ATM: Count the money and spit out 100 yuan banknotes to the user; return it to complete the transaction.

The following describes the repeated transaction detection when the D-RMB chip card is used as a digital currency carrier. In the embodiment of the present invention, that is, in the case of online transactions, the D-RMB system prevents repeated transactions by binding the D _coin to the user's card number 11 . The registration center in the D-RMB system has an ownership registration form, and the style of the record form can be designed as shown in Table 3:

table 3:

digital currency name owner Remark Pbc100adfkl09987766670 ICC00000001 D_{Coin 100} ... ... ... Pbc50cadfkl09987766670 ICC00000002 D_{Coin 50}

When the user D-RMB chip card 1 (D-RMB chip card unique identification number ICC00000001) pays D _{coins 100} to user D-RMB chip card 2 (D-RMB chip card unique identification number ICC00000002), the D-RMB system registers Central ownership registration form: change the owner corresponding to D _{coin 100} , change the wallet address corresponding to the original mobile phone number ICC00000001 in the owner field to the wallet address corresponding to the mobile phone number ICC00000002, if the user D-RMB chip card 1 still wants to use D _{coin 100} To pay to other users' D-RMB chip card, the owner is no longer the user's D-RMB chip card 1, and the payment cannot be completed, so as to prevent repeated payment.

In the case of offline transactions, it is found and held accountable by lagging duplicate payment checks. At present, almost all electronic cash systems perform duplicate payment checks with a lag, that is, duplicate payment checks are performed after the payment process is completed.

At the same time, the transactions that can be set are micro-payments (less than 1,000 yuan), which is an acceptable range for individual users, and a post-event accountability mechanism is adopted. Bad records will be entered into the credit reporting system for punishment.

In terms of convenience, the mobile phone as the terminal carrier solution (hereinafter referred to as the "mobile phone solution") provides more implementation methods and means of use. Compared with the card-based solution, the system deployment is convenient, the user operation is convenient, and it is easier to promote .

Considering the deployment cost, the mobile phone solution saves the card issuing link of the issuer and reduces the system deployment cost.

In terms of security, if the mobile phone solution uses the hardware SE-based solution, its security is equivalent to the card base. If the HCE and TEE solutions are used, the theoretical security is degraded, but relying on the trusted computing transaction design, it can be It provides reliable security, and mobile phone HCE and TEE solutions provide more storage space, do not rely entirely on hardware manufacturers, and are more convenient to promote.

Compared with other currency systems that replace banknotes in the market, D-RMB initially has the characteristics of good convenience and high security. The convenience is reflected in the following aspects:

In terms of issuance method, D-RMB is the digitization of the currency itself, and does not rely on any bank account and a single network;

In terms of storage mode, the storage medium of D-RMB can be a mobile phone, or an electronic device such as a card, a disk, a computer, etc., providing users with a variety of choices. In particular, D-RMB with mobile phone as the carrier can make full use of the functions of the mobile phone's keyboard, display, positioning, storage, computing, communication, etc., and can also be re-developed to greatly expand the payment scene and convenience;

In terms of payment methods, it can provide not only face-to-face payment transactions similar to paper money, but also network remote payment transactions similar to electronic payment systems, which can support online or offline transactions, which are convenient and flexible;

In terms of transaction speed, the payment speed is greatly improved compared to the online credit card payment method. Very suitable for small and fast payments;

In terms of usage habits, it is compatible with the original card payment method, and can also provide face-to-face digital currency payment. At the same time, it can also provide electronic transaction records, which is convenient for financial statistics and highly acceptable to users.

Security is manifested in the following aspects:

Compared with other digital currency systems, D-RMB digital currency is a series of electronic encrypted serial numbers converted from cash values, and payment transactions are completed through the transfer of these encrypted serial numbers. The security of the currency itself is protected by a cryptographic algorithm, which can effectively ensure the confidentiality and integrity of currency information, with high security;

The security of D-RMB digital currency carrier utilizes chip technology in mobile terminals and trusted technology in the background cloud to achieve end-to-end security;

The security of the D-RMB digital currency transaction system relies on the traditional electronic payment system security technology on the one hand, and the powerful D-RMB cloud computing system is used in the background to further ensure transaction security;

In terms of user privacy protection, the method of "voluntary front-end and real-name back-end" not only ensures user privacy, but also avoids the risk of illegal transactions.

The above-mentioned specific embodiments do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent replacements and improvements made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims (30)

1. a digital currency system, is characterized in that, comprises central bank digital currency system, commercial bank digital currency system and authentication system, wherein, The central bank digital currency system is used to generate and issue digital currency, and to register the ownership of digital currency; The commercial bank digital currency system is used to perform banking functions for digital currency; The authentication system is used to provide authentication for the interaction between the central bank digital currency system and the terminal equipment used by users of the digital currency, and for the interaction between the central bank digital currency system and the commercial bank digital currency system provide certification; The commercial bank digital currency system is further configured to send a request for owner change to the central bank digital currency system; The central bank digital currency system is further configured to perform an owner change operation on the digital currency according to the owner change request. 2 . The digital currency system according to claim 1 , wherein the central bank digital currency system is further used to record transaction flow information of the digital currency. 3 . 3. The digital currency system according to claim 1, wherein the central bank digital currency system is also used to generate digital currency in one or more of the following ways: The digital currency of the denomination is generated according to the denomination of the physical currency in circulation; The digital currency of the denomination is generated according to the pre-set minimum unit denomination; and/or According to the withdrawal amount of the user, the currency with the denomination of the withdrawal amount as the denomination is generated. 4. The digital currency system according to claim 3, wherein the central bank digital currency system is also used to generate digital currency in the following steps: generating a basic encryption password corresponding to the denomination from the preset master password and the preset number uniquely corresponding to the denomination; An encrypted password is generated from the basic encrypted password and the random number, and then the generated encrypted password is signed to obtain the digital currency of the denomination. 5. The digital currency system according to claim 1, wherein the central bank digital currency system and the commercial bank digital currency system are also used to perform the following operations on the D-RMB chip card, wherein the D-RMB chip The card contains the storage medium: The central bank digital currency system generates the personalized data of the D-RMB chip card according to the pre-specified content; The digital currency system of the commercial bank writes the personal information of the user who applies for the D-RMB chip card into the D-RMB chip card; The commercial bank digital currency system applies the user's IBC public key to the authentication system for the IBC private key, and the user's IBC public key is the ID of the D-RMB chip card or the ID of the user; D-RMB is digital currency. 6. The digital currency system according to claim 5, wherein the D-RMB chip card comprises the following forms: visual bluetooth IC card form, IC card form, mobile phone-eSE card form, mobile phone-safety SD card Form, mobile phone-SIM card form. 7. The digital currency system according to claim 1, wherein the central bank digital currency system is also used for user registration according to the following steps: After receiving the identity certification information sent by the terminal device used by the user, the central bank digital currency system sends application software suitable for the terminal device to the terminal device; The central bank digital currency system sends the IBC public key and the IBC private key to the terminal device running the application software, and then performs an identity authentication session and session key negotiation with the terminal device; The central bank digital currency system receives the user account number sent by the terminal device running the application software, and then sends the user password to the terminal device. 8. The digital currency system according to claim 1, wherein the commercial bank digital currency system is also used to connect with one or more of the following adapters: currency transaction data adapter, mobile phone service provider SMS gateway adapter, Retailer system adapter, ATM data supply system adapter. 9. The digital currency system according to claim 1, wherein, The commercial bank digital currency system is further configured to receive the first request sent by the user terminal, and extract digital currency from the account according to the amount specified by the first request; and send the second request to the central bank digital currency system; and after receiving the indication of successful operation from the central bank digital currency system, send the extracted digital currency to the user terminal; The central bank digital currency system is further configured to receive the second request, perform an operation of a preset item according to the second request, and return an indication of successful operation to the commercial bank digital currency system, the preset The operation of the project includes the operation of changing the owner of the digital currency extracted by the digital currency system of the commercial bank; Wherein, the first request is used to withdraw digital currency from the user's account in a commercial bank; The second request is used to change the owner of the extracted digital currency. 10. The digital currency system according to claim 1, wherein, The commercial bank digital currency system is further configured to receive the first request sent by the commercial bank outlet system, and withdraw digital currency from the account of the commercial bank according to the amount specified by the first request; and send the second request Send the digital currency to the central bank digital currency system; and after receiving the indication of successful operation from the central bank digital currency system, send the extracted digital currency to the user terminal, wherein the first request includes the user terminal identification ; The central bank digital currency system is further configured to receive the second request, perform an operation of a preset item according to the second request, and return an indication of successful operation to the commercial bank digital currency system, the preset The operation of the project includes the operation of changing the owner of the digital currency extracted by the digital currency system of the commercial bank; Wherein, the first request is for using cash to exchange digital currency; The second request is used to change the owner of the extracted digital currency. 11. The digital currency system according to claim 1, further comprising a first user terminal and a second user terminal; The first user terminal is used to extract the digital currency equal to the amount specified by the payment instruction according to the received payment instruction, and generate a first request and send it to the digital currency system of the commercial bank, wherein the first request includes: The second user terminal identifier and the digital currency, and the first request is used to change the owner of the digital currency; The commercial bank digital currency system is further configured to, after receiving the first request, generate a second request and send it to the central bank digital currency system, where the second request is used to change the owner of the digital currency; and sending the digital currency to the second user terminal after receiving the indication of successful operation from the central bank digital currency system; The central bank digital currency system is further configured to receive the second request, perform an operation of a preset item according to the second request, and return an indication of successful operation to the commercial bank digital currency system, the preset The operation of the project includes the operation of changing the owner of the digital currency; The second user terminal is configured to receive the digital currency sent by the commercial bank digital currency system. 12. The digital currency system according to claim 1, further comprising a user terminal; The user terminal is configured to select the digital currency to be exchanged with the amount specified by the change exchange instruction according to the change exchange instruction, and send a first request to a commercial bank digital currency system, where the first request is used for change exchange; and receiving the digital currency of change sent by the digital currency system of the commercial bank; The commercial bank digital currency system is further configured to convert the digital currency to be exchanged into change digital currency according to the first request, and send a second request to the central bank digital currency system, where the second request is used for changing the ownership of the digital currency to be exchanged and the digital currency for change; and after receiving an indication of successful operation, sending the digital currency for change to the user terminal; The central bank digital currency system is further configured to perform an operation of a preset item according to the second request and return an indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item includes an operation of the preset item. The operation of changing the owner of the digital currency to be exchanged and the change digital currency. 13. The digital currency system according to claim 1, further comprising a payer terminal device and a payee terminal device; The payer terminal device is used for: receiving the payment amount and the payee identification inputted by the external operation; selecting the digital currency whose total amount is equal to the payment amount in the payer's digital currency wallet; sent to the payee terminal device corresponding to the payee identification; The payee terminal device is used for: sending the digital currency to the commercial bank digital currency system through the network; The commercial bank digital currency system is also used for: sending the digital currency to the central bank digital currency system through the network; The central bank digital currency system is also used for: changing the owner information of the digital currency from the payer to the payee. 14. The digital currency system according to claim 1, further comprising a payer terminal device and a payee terminal device; The payer terminal equipment is used for: receiving the payment amount, payee identification and withdrawal identification code input by external operation; selecting digital currency whose total amount is equal to the payment amount in the payer's digital currency wallet; and the withdrawal identification code is sent to the payee terminal device corresponding to the payee identification by means of near field communication; The payee terminal device is used for: sending the digital currency and the withdrawal identification code to the commercial bank digital currency system through the network; The commercial bank digital currency system is also used for: sending the digital currency and the withdrawal identification code to the central bank digital currency system through the network; The central bank digital currency system is further used to: change the owner information of the digital currency from the payer to the payee and note the withdrawal identification code. 15. The digital currency system according to claim 1, further comprising a user terminal device; The user terminal equipment is used for: selecting the equivalent digital currency in the digital currency wallet according to the cashing amount input by the external operation; sending the digital currency to the commercial bank digital currency system; The commercial bank digital currency system is also used to: send the digital currency to the central bank digital currency system; send the one-time withdrawal code provided by the user to the central bank digital currency system; A payment instruction is issued after a notification that the code is valid, wherein the payment instruction is used to control the machine or prompt the user to manually pay the user an amount equal to the cashed amount in cash; The central bank digital currency system is further used for: generating a one-time withdrawal code and then sending it to the user terminal device for presentation to the user, and changing the owner information of the digital currency from the user to the central bank; confirming the The one-time withdrawal code is valid, the commercial bank account is then increased by the cashed amount, and a notification that the one-time withdrawal code is valid is sent to the commercial bank digital currency system. 16. The digital currency system according to claim 1, further comprising a user terminal device; The user terminal equipment is used for: selecting the equivalent digital currency in the digital currency wallet according to the cashing amount input by the external operation; sending the digital currency to the commercial bank digital currency system; The commercial bank digital currency system is also used to: generate a one-time bank withdrawal code, and send the digital currency to the central bank digital currency system; according to the owner's successful update instruction, send the one-time bank withdrawal code Send to the user terminal device for presentation to the user; confirm that the one-time bank withdrawal code provided by the user is valid, and then issue a payment instruction, wherein the payment instruction is used to control the machine or prompt the user to pay manually cash in an amount equal to the said redemption amount; The central bank digital currency system is also used for: changing the owner information of the digital currency from the user to a commercial bank, and then sending an owner update success instruction to the commercial bank digital currency system. 17. The digital currency system according to claim 1, further comprising a terminal device; The terminal device is used to: receive the deposit amount and deposit account input by external operations; select the digital currency whose total amount is equal to the deposit amount in the digital currency wallet; send the digital currency and the deposit account to the digital currency of the commercial bank. monetary system; The commercial bank digital currency system is also used to: send the digital currency and the deposit account to the central bank digital currency system; increase the bookkeeping of the deposit amount to the deposit account according to the transaction success information, and send the deposit account to the central bank digital currency system; The terminal equipment will issue a successful deposit notification; The central bank digital currency system is also used for: changing the owner information of the digital currency from the user to a commercial bank, and feeding back the transaction success information to the commercial bank digital currency system. 18. The digital currency system according to claim 1, wherein, The commercial bank digital currency system is also used to receive the amount information of the physical cash and the digital currency card information of the exchange requester, and then determine the digital currency participating in the exchange according to the amount information, and then according to the digital currency and the exchange requester's information. The digital currency card information generates exchange request information, and then sends the exchange request information to the central bank digital currency system; and after receiving the successful operation indication returned by the central bank digital currency system, the digital currency is written into the exchange In the digital currency card of the requesting party; The central bank digital currency system is further configured to perform an operation of a preset item according to the exchange request information and return an indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item includes the operation of the preset item. The digital currency exchanged by the commercial bank's digital currency system is involved in the operation of changing the owner. 19. The digital currency system according to claim 1, wherein, The commercial bank digital currency system is also used to receive the exchange amount information, bank account information, and digital currency card information of the exchange requester; then deduct an amount equal to the exchange amount in the bank account according to the exchange amount information, Then determine the digital currency participating in the exchange according to the exchange amount information, and generate exchange request information according to the digital currency and the digital currency card information of the exchange requester, and then send the exchange request information to the central bank digital currency system; After the central bank digital currency system returns an indication of successful operation, write the digital currency into the digital currency card of the exchange requester; The central bank digital currency system is further configured to perform an operation of a preset item according to the exchange request information, and then return an indication of successful operation to the commercial bank digital currency system, and the operation of the preset item includes the operation of the preset item. The digital currency exchanged by the commercial bank's digital currency system is involved in the operation of changing the owner. 20. The digital currency system according to claim 1, further comprising a terminal device and a digital currency chip card; The terminal device is used to receive payment amount information input by an external operation, and then send the payment amount information to the digital currency chip card, where the payment amount information includes the payment amount, and after receiving the digital currency, generate a first request Then, it is sent to the digital currency system of a commercial bank, and the first request is used to change the owner of the digital currency; The digital currency chip card is used to select the digital currency of the payment amount, and then send it to the terminal device; The commercial bank digital currency system is further configured to, after receiving the first request, generate a second request and send it to the central bank digital currency system, where the second request is used to change the owner of the digital currency, And after receiving the indication of the successful operation of the central bank digital currency system, feedback the successful transaction information to the terminal device; The central bank digital currency system is further configured to perform an operation of a preset item according to the second request and return an indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item includes an operation of the preset item. The digital currency received by the terminal device is operated to change the owner. 21. The digital currency system according to claim 1, further comprising a terminal device and a digital currency chip card; The terminal device is configured to receive a change exchange request, where the change exchange request includes: the digital currency to be exchanged, the face value obtained from the exchange, and the digital currency to be exchanged is selected from the digital currency chip card according to the change exchange request to generate a first request Then it is sent to the commercial bank digital currency system, the first request is used to withdraw the change digital currency from the commercial bank, and the commercial bank digital currency system sends the change digital currency after the owner is changed to the terminal device After that, write the change digital currency after the owner change into the digital currency chip card; The commercial bank digital currency system is further configured to withdraw the change digital currency according to the first request after receiving the first request, generate a second request and then send it to the central bank digital currency system, and the second request uses To change the owner of the digital currency to be exchanged and the digital currency for change, and after receiving the instruction of successful operation, send the digital currency of change after the owner is changed to the terminal device; The central bank digital currency system is further configured to perform an operation of a preset item according to the second request and return an indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item includes changing the The owner of the digital currency to be exchanged and the digital currency of the change. 22. The digital currency system according to claim 1, further comprising a visual digital currency chip card and a mobile terminal; The visual digital currency chip card is used for receiving payment amount information input by external operation, and selecting the digital currency of the payment amount and sending it to the mobile terminal; The mobile terminal is configured to receive the digital currency, generate a first request and send it to a commercial bank digital currency system, where the first request is used to change the owner of the digital currency; The commercial bank digital currency system is further configured to, after receiving the first request, generate a second request and send it to the central bank digital currency system, where the second request is used to change the owner of the digital currency; The central bank digital currency system is further configured to perform an operation of a preset item according to the second request and return an indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item includes an operation of the preset item. The digital currency received by the mobile terminal is operated to change the owner. 23. The digital currency system according to claim 1, further comprising a mobile terminal and a digital currency chip card; The mobile terminal is used to receive payment amount information input by external operations, and then send the payment amount information to the digital currency chip card, where the payment amount information includes the payment amount, and after receiving the digital currency, generate the first payment amount. A request is then sent to the commercial bank digital currency system, and the first request is used to change the ownership of the digital currency; The digital currency chip card is used to select the digital currency of the amount specified by the payment amount information, and then send it to the mobile terminal; The commercial bank digital currency system is further configured to, after receiving the first request, generate a second request and send it to the central bank digital currency system, where the second request is used to change the owner of the digital currency; The central bank digital currency system is further configured to perform an operation of a preset item according to the second request and return an indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item includes an operation of the preset item. The digital currency received by the mobile terminal is operated to change the owner. 24. The digital currency system according to claim 1, further comprising a user terminal device and an acceptance terminal device; The user terminal is used to send payment information to the acceptance terminal device, where the payment information includes digital currency chip card information and digital currency equivalent to the payment amount; The acceptance terminal device is configured to send the payment information to a commercial bank digital currency system after receiving the payment information; The commercial bank digital currency system is further configured to send a request to change the owner to the central bank digital currency system after receiving the payment information; The central bank digital currency system is further configured to change the owner of the digital currency to the merchant's commercial bank code after receiving the request to change the owner; The commercial bank digital currency system is also used to change the account amount of the merchant. 25. The digital currency system according to claim 1, further comprising a user terminal device and an acceptance terminal device; The acceptance terminal device is used to receive the transaction amount without establishing a network connection with the commercial bank digital currency system, and after the connection with the commercial bank digital currency system is established, the acceptance terminal device sends transaction information to the commercial bank digital currency system; The user terminal device is configured to acquire the transaction amount from the acceptance terminal device through a short-range wireless connection, and send transaction information to the acceptance terminal device, where the transaction information includes digital currency chip card information and transaction information. Amount of equivalent digital currency; The commercial bank digital currency system is further configured to send a request to change the owner to the central bank digital currency system after receiving the transaction information; The central bank digital currency system is further configured to change the owner of the digital currency to the merchant code corresponding to the acceptance terminal device after receiving the request for changing the owner. 26. The digital currency system according to claim 1, further comprising a payment visual digital currency chip card and a payment terminal device; The payment visible digital currency chip card is used to send a payment request to the collection terminal device without establishing a network connection with the digital currency system of a commercial bank, where the payment request includes the digital currency to be paid and the transaction amount; The collection terminal device is used to initiate a network connection to the commercial bank digital currency system after receiving the payment request, and in the case of successful network connection, send the payment request to the commercial bank digital currency system. monetary system; The commercial bank digital currency system is further configured to send a payment confirmation request including the payment request to the central bank digital currency system according to the payment request, where the payment confirmation request is used to attribute the digital currency to be paid. master change; The central bank digital currency system is further configured to perform a preset operation according to the payment confirmation request, and then notify the collection terminal device of the operation result, where the preset operation includes changing the property of the digital currency to be paid. host. 27. The digital currency system according to claim 1, further comprising a payment visual digital currency chip card and a payment terminal device; The payment visible digital currency chip card is used to send a digital currency payment request to the collection terminal device without establishing a network connection with the commercial bank digital currency system, and the payment request includes the digital currency to be paid and the transaction amount; The collection terminal device is used to initiate a network connection to the commercial bank digital currency system, and if the network connection is successful, send the payment request and the identity verification information reserved by the collection user to the commercial bank digital currency system. monetary system; The commercial bank digital currency system is further configured to send a payment confirmation request to the central bank digital currency system according to the payment request, where the payment confirmation request is used to change the owner of the digital currency to be paid, and the The payment confirmation request includes the digital currency to be paid, the transaction amount, and the identity verification information; The central bank digital currency system is further configured to perform a preset operation according to the payment confirmation request, and then send the operation result to the collection terminal device, where the preset operation includes changing the property of the digital currency to be paid. master and save the authentication information. 28. The digital currency system according to claim 1, further comprising a visual digital currency chip card for payment and a visual digital currency chip card for payment; The payment visible digital currency chip card is used to send a digital currency payment request to the receiving visible digital currency chip card without establishing a network connection with the digital currency system of a commercial bank, and the payment request includes the payment to be paid. digital currency and transaction amount; The visual digital currency chip card for payment is used to initiate a network connection to the digital currency system of a commercial bank after receiving the payment request, and in the case of a successful network connection, send the payment request to the Commercial bank digital currency system; The commercial bank digital currency system is further configured to send a payment confirmation request including the digital currency to be paid and the transaction amount to the central bank digital currency system according to the payment request, and the payment confirmation request is used for the payment to be paid The owner of the digital currency is changed; The central bank digital currency system is further configured to perform a preset operation according to the payment confirmation request, and then notify the operation result to the payment-receiving visible digital currency chip card, where the preset operation includes changing the digital currency's value. owner. 29. The digital currency system according to claim 1, further comprising an acceptance terminal device; The acceptance terminal device is used to receive deposit information input by external operations after establishing a communication connection with the digital currency chip card, and send the deposit information to the commercial bank digital currency system, where the deposit information includes deposit account information, digital currency Chip card information and digital currency equivalent to the deposit amount; The commercial bank digital currency system is further configured to send a request to change the owner to the central bank digital currency system after receiving the deposit information; The central bank digital currency system is further configured to change the owner of the digital currency to the commercial bank after receiving the request for changing the owner, and change the amount of the deposit account. 30. The digital currency system according to claim 1, further comprising an acceptance terminal device; The acceptance terminal device is used to receive the exchange information input by external operation after establishing a communication connection with the digital currency chip card, and send the exchange information to the digital currency system of the commercial bank, wherein the exchange information includes the digital currency chip Card information and digital currency equivalent to the exchanged amount; The commercial bank digital currency system is further configured to send a request to change the owner to the central bank digital currency system after receiving the exchange information; The central bank digital currency system is further configured to change the owner of the digital currency to the commercial bank after receiving the request for changing the owner; The commercial bank digital currency system is further configured to send a control instruction to the acceptance terminal device, where the control instruction is used to output the banknotes of the exchanged amount; The acceptance terminal device is further configured to output the banknotes of the exchanged amount according to the control instruction.

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