TW201800998A - Method for trading with digital cash with ID (Identity) - Google Patents

Abstract

The invention discloses a method for trading with digital cash with an ID (Identity). The method comprises the following steps: S1, constructing a digital cash system, and providing a matched digital cash network; S2, providing an electronic cash hosting service for a user according to a hosting request of the user, and performing identity authentication when an electronic cash digital file is applied to payment or transfer; and S3, when the electronic cash digital file of the user is transferred, performing identity authentication if the electronic cash digital file is imported/exported according to a transaction transferring request of a payment user, saving the electronic cash digital file of which possessor information is modified by a receiving user, and instructing the user to transmit the hosting request and/or the transaction transferring request to a financial hosting server and/or a financial payment server according to at least one terminal which communicates with the financial hosting server and the financial payment server.

Description

Method for circulating transaction using digital currency of ID

The present invention relates to the technical field of digital currency, and in particular, to a method for circulating transactions using digital currency using an ID.

Transactions initiated and executed by the Internet today are commonplace today. In addition, using mobile phones or similar devices, transactions and related activities can now be performed through data communications via wireless communications. By always having an electronic authentication device on hand that can be used as a secure wallet / banking solution, it provides a very simple way to perform secure transactions. However, this also provides various ways to manipulate the trading system in order to deceive one or both parties in the transaction.

An object of the present invention is to provide a method for circulating a transaction using an ID-based digital currency in order to improve the security of the transaction.

In order to achieve the above objective, the technical solution of the present invention is: a method for circulating a digital currency using an ID. The steps of the method are: S1, constructing a digital currency system and supporting a digital currency network for it; S2, according to the user The escrow request provides an electronic money custody service for the user, and remits the electronic money digital file of the user's requested amount for the user requesting escrow, and the user saves the electronic money digital file; wherein each of the electronic money The digital file has a unique ID and a specific currency value, the name or code of the financial custody department, and the owner's information, and identity verification is required when using the electronic money digital file for payment or transfer; S3. In the user's electronic When the currency digital file is transferred, according to the transaction transfer request of the payment user, the corresponding amount of electronic money is transferred to the account of the receiving user and the owner information of the electronic money is modified, or the owner information is modified for the receiving user's remittance. Electronic money digital file, and identity verification is required when importing / exporting the electronic money digital file The receiving user to save the modified digital file of the electronic money information relevant person; and a server hosting the financial payment and financial communication server at least one terminal, the terminal to the user according to the gold Financial escrow servers and / or financial payment servers send escrow requests and / or transaction transfer requests.

As an improvement to the above technical solution, the electronic money digital file also has an associated transaction serial number.

Compared with the prior art, the present invention has the advantages and positive effects: the method of using the ID digital currency to circulate transactions in the present invention provides convenience for the digital currency to circulate transactions, and improves transaction security.

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings in the following description are only the present invention. Some embodiments of the invention, for those skilled in the art, can obtain other drawings according to these drawings without paying creative labor.

FIG. 1 is a schematic flowchart of the present invention.

In the following, the technical solutions in the embodiments of the present invention will be clearly and completely described with reference to the drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without creative labor, any modifications, equivalent replacements, and improvements should be included in the protection scope of the present invention. Inside.

As shown in FIG. 1, the present invention uses ID digital currency to circulate transactions. The steps of the method are: S1, constructing a digital currency system and supporting a digital currency network for it; S2, according to a user's custody request Providing an electronic money custody service for the user, and remitting the electronic money digital file of the amount requested by the user for the user requesting escrow, the user saving the electronic money digital file; wherein each of the electronic money digital files It has a unique ID and a specific currency value, the name or code of the financial custody department, and the owner's information, and identity verification is required when using the electronic money digital file for payment or transfer; S3, the electronic money digit of the user When the file is transferred, the corresponding amount of electronic money is transferred to the account of the receiving user and the owner information of the electronic money is modified according to the transaction transfer request of the paying user, or the electronic money with the modified owner information is remitted for the receiving user number And the electronic money digital file needs to be authenticated when importing / exporting the electronic money digital file, the receiving user saves the electronic money digital file with the modified owner information; and the financial custody server and financial payment At least one terminal communicated by a server, and the user sends an escrow request and / or a transaction transfer request to the financial escrow server and / or financial payment server according to the terminal.

The electronic money digital file also has an associated transaction serial number.

The method for circulating a transaction by using digital currency of ID according to the present invention provides convenience for the circulation of digital currency and improves the security of the transaction.

Claims (2)

A method for circulating a transaction using an ID-based digital currency is characterized in that the steps of the method are: S1, constructing a digital currency system, and supporting the digital currency network; S2, providing the user with electronic information according to a user's custody request Currency custody service, and for the user requesting custody to remit the electronic money digital file of the amount requested by the user, the user saves the electronic money digital file; wherein each of the electronic money digital files has a unique ID and a specific Currency value, the name or code of the financial custody department, and the owner's information, and identity verification is required when using the electronic money digital file for payment or transfer; S3, when the user's electronic money digital file transfer occurs, according to the payment The user's transaction transfer request transfers the corresponding amount of electronic money to the account of the receiving user and modifies the owner's information of the electronic money, or sends the electronic money digital file with the modified owner's information for the receiving user, and imports / When the electronic money digital file is exported, identity verification is required, and the receiving user saves and modifies all The electronic money digital file of personal information; and at least one terminal in communication with the financial escrow server and financial payment server, the user sends the financial escrow server and / or financial payment server according to the terminal Send escrow requests and / or transaction transfer requests. According to the method for circulating a transaction using an ID-based digital currency according to item 1 of the scope of the patent application, wherein the electronic currency digital file also has an associated transaction serial number.