TWI751553B - Method and system for paying digital currency - Google Patents

Abstract

The present invention relates to a method and system for paying digital currency, which provide digital currency data, so that people can use mobile devices to connect to a digital currency server through an electronic device, and use the digital currency data corresponding to the currency amount. Provide digital currency data verified by the system platform, and provide the public with reliable digital currency data.

Description

Method and system for paying digital currency

The present invention relates to a payment method and system, especially a payment method and system for digital currency.

In recent years, the use of digital assets (for example: electronic money) for transactions has gradually become a trend in the current society, allowing consumers to take public transportation, shopping at various stores and other transactions without carrying cash when they go out. At present, electronic transaction devices that often use digital assets on the market include electronic wallets, credit cards, stored-value cards, and EasyCards.

However, the current legal currency, such as the New Taiwan dollar, is mainly applied to the electronic currency payment system in a one-to-many relationship, that is, to establish an electronic currency bank account in a bank, it can accept electronic payments from multiple orders corresponding to the amount. Currency transfer, because all electronic currency transfers need to go through the bank as the intermediary unit of electronic currency, and the transfer between bank accounts is interconnected through multiple servers and multiple databases, even inter-bank transfers. Therefore, for the transfer between bank accounts, there will be a corresponding transfer record (such as the remarks field/order number) stored in the server or database, so the public can check the account through the transfer record, and further know Who is the user of the source account of the transfer, so after the transfer, the public can easily reconcile the bank account to know which person or which order the transfer came from.

However, each data block on the blockchain is suitable for applications with various security and fairness requirements, such as transactions of currency, equity, bonds, etc. The transaction information is maintained, updated and verified by independent nodes (computers), which can ensure the accuracy of the accounting results. Fair, impartial and open and transparent, and does not require the audit and maintenance of any centralized organization. Smart contracts running on the blockchain, for example: Ethereum (Ethereum) is one of the public blockchain platforms for writing smart contract functions. Under this Ethereum platform, after completing the contract writing, the code ( Such as Solidity code) will be compiled into a standard binary code before it can be deployed on the Ethereum blockchain for execution. The contract deployed on the blockchain will have a contract address in the same format as the wallet address (Address). Contract Address). Therefore, the user can use this wallet address to access the virtual currency data for accessing the virtual currency data that has not been consumed.

However, there is no mechanism for the central bank to provide verification, and there is no digital currency data issued by the central bank for the public to use in the transaction mechanism in life. Moreover, the issuance or transfer of digital currency data has not been verified by the central bank, which may easily lead to insufficient trust among the general public, thus making it difficult to promote digital currency data. In addition, the current virtual currency transaction requires both parties to connect to the Internet

Based on the above problems, the present invention provides a method and system for paying digital currency, which provides a verification mechanism based on a digital currency server and uses it, so as to provide digital currency data with better reliability and close to legal currency, which is convenient for the public to use.

The main purpose of the present invention is to provide a method and system for paying digital currency, wherein the digital currency server generates digital currency data according to a first amount and an identification key, so that the user can use the transaction between the two parties. One party uses the verified digital currency when the digital currency server is offline, so that the digital currency has better reliability and transaction security.

In order to achieve the above object, the present invention discloses a method for paying digital currency, which is applied to a digital currency server to add a first digital currency data according to a first amount and a first identification key, and the digital currency server adds a first digital currency data. The device stores the first identification key, a digital currency identification key and a digital currency key, the first identification key, the digital currency identification key and a first key are stored in a first electronic device, In the method of the present invention, the digital currency server first generates a first identification code according to the digital currency key and the first digital currency data, so as to push the first digital currency data and the first identification code to the first digital currency data. An electronic device; the first electronic device recognizes the first identification code according to the digital currency identification key and the first identification key, so as to obtain the authorization to use the first digital currency data, so the first electronic device according to The first key encrypts a first payment amount data and a first payee data to generate a first payment code, and the first payee data corresponds to a second electronic device; the first electronic device The device transmits the first payment code to the digital money server to identify the first payment code according to the first identification key to obtain the first payment amount data and the first payee data; the digital money server identifies the first payment code according to the first identification key. The first payment amount data, the first identification key corresponding to the first digital currency data, and the second identification key corresponding to the first payee data generate a second digital currency data and a third digital currency data , wherein the second digital currency data corresponds to the first payment amount, and the third digital currency amount is equal to or greater than 0; the digital currency server generates a first digital currency data according to the digital currency key and the second digital currency data. Two identification codes and a third identification code is generated according to the digital currency key and the third digital currency data, so as to broadcast the second digital currency data, the third digital currency data, the second identification code and the third digital currency data The identification code is sent to the first electronic device; and the first electronic device transmits the second digital currency data and the second identification code to the second electronic device. Therefore, the present invention allows the general public to use the digital wallet through the electronic device, and the digital currency data can be split in the digital currency server and broadcast to the electronic devices used by the general public, thereby popularizing the use of the digital currency data. , and issuing the digital currency data verified by the key through the digital currency server can enhance the public's trust in the digital currency.

The present invention provides an embodiment, wherein before the step of generating a first identification code according to the encryption of the first digital currency data and the digital currency key by the digital currency server, the digital currency server further causes the digital currency server to generate a first identification code according to the first digital currency data. An amount and the first identification key generate the first digital currency data; then the digital currency server adds a record of the first digital currency data to a billing data.

The present invention provides an embodiment wherein the digital currency server is based on the first payment amount data, the first identification key corresponding to the first digital currency data, and the second identification corresponding to the first payee data In the step of generating a second digital currency data and a third digital currency data by the key, the digital currency server further deletes the record of the first digital currency data in a billing data and adds the second digital currency data and the The third digital currency data record.

The present invention further discloses a system for paying digital money, which includes a digital money server, a first electronic device and a second electronic device, wherein the digital money server is provided with a money processing module, the money processing module The group generates a first digital currency data according to a first amount and a first identification key, the digital currency server stores a first identification key, a digital currency key and a digital currency identification key, the currency processing The module encrypts the first digital currency data according to the digital currency key to generate a first identification code; the first electronic device is provided with a first processing unit to execute a first currency program and connect to the currency processing module , the money processing module pushes the first digital money data and the first identification code to the first money program, the first money program is based on a first key, a first payment amount data and a first receipt The payer data is encrypted to generate a first payment code, which is sent to the digital currency server. The digital currency server identifies the first payment code according to the first identification key and obtains the first payment amount data and the first payment amount. a payee data, the digital currency server generates according to the first payment amount data, the first identification key corresponding to the first digital currency data and the second identification key corresponding to the first payee data a second digital currency data and a third digital currency data, the digital currency server generates a second identification code according to the digital currency key and the second digital currency data, and generates a second identification code according to the digital currency key and the third digital currency Currency data generates a third identification code, the digital currency server pushes and broadcasts the second digital currency data, the third digital currency data, the second identification code and the third identification code to the first electronic device, the first electronic device The two digital currency data correspond to the first payment amount, the third digital currency amount is equal to or greater than 0; the second electronic device is provided with a second processing unit, the second processing unit executes a second currency program, the first An electronic device transmits the second digital currency data and the second identification code to the second electronic device, and the first payee data corresponds to the second electronic device. Therefore, the system for paying digital currency of the present invention can provide digital currency through the digital currency server and identify digital currency-related data with various keys uniformly provided by the digital currency server, thereby enhancing the public's trust in digital currency data.

Another embodiment of the present invention is that the digital currency server further generates the first digital currency data in a database according to the first amount, and adds a record of the first digital currency data to a billing data.

The present invention provides another embodiment, wherein the digital money server is based on the first payment amount data, the first identification key corresponding to the first digital money data, and the second payee data corresponding to the first payee data. The identification key generates the second digital currency data and the third digital currency data and further deletes the record of the first digital currency data in a billing data and adds a record of the second digital currency data and the third digital currency data .

The invention discloses a method for paying digital currency, which is applied to a first electronic device to store a first digital currency data, a digital currency identification key, a first identification key and a first key, a digital currency The server has a digital currency key, the digital currency identification key and the first identification key. In the method of the present invention, the first electronic device first pairs a first payment amount and a first payment amount according to the first key. The payee data is encrypted to generate a first payment code, the first payee data corresponds to a second electronic device; the first electronic device transmits the first digital currency data and the first payment code to the second an electronic device for uploading the first payment code to the digital currency server via the second electronic device; the digital currency server identifies the first payment code according to the first identification key to obtain the first payment amount data and the the first payee data; the digital currency server according to the first payment amount data, the first identification key corresponding to the first digital currency data and the second identification key corresponding to the first payee data The key generates a second digital currency data and a third digital currency data, the second digital currency data corresponds to the first payment amount, the amount of the third digital currency data is equal to or greater than 0; the digital currency server according to the The digital currency key and the second digital currency data generate a second identification code, and generate a third identification code according to the digital currency key and the third digital currency data, so as to push and broadcast the second digital currency data, the third digital currency data, the second identification code and the third identification code to the second electronic device; and the second electronic device transmits the third digital currency data and the third identification code to the first electronic device and renew. Therefore, the present invention allows the general public to use the digital wallet through the electronic device, and the digital currency data can be split in the digital currency server and broadcast to the electronic devices used by the general public, thereby popularizing the use of the digital currency data. , and issuing the digital currency data verified by the key through the digital currency server can enhance the public's trust in the digital currency.

Another embodiment of the present invention is that before the first electronic device encrypts a first payment amount and a first payee data according to the first key to generate a first payment code, the first electronic device further allows The digital currency server generates the first digital currency data according to a first amount and the first identification key; then the digital currency server adds a record of the first digital currency data in a billing data; the digital currency server The device generates a first identification code according to the digital currency key and the first digital currency data, so that the first electronic device can download the first digital currency data; the first electronic device identifies the digital currency according to the key and the first digital currency data. The first identification key identifies the first identification code.

The present invention provides an embodiment wherein the digital currency server is based on the first payment amount data, the first identification key corresponding to the first digital currency data, and the second identification corresponding to the first payee data In the step of generating a second digital currency data and a third digital currency data, the digital currency server further deletes the record of the first digital currency data in a billing data and adds the second digital currency data and the third digital currency data. Three-digit currency data records.

The present invention further discloses a system for paying digital money, which includes a digital money server, a first electronic device and a second electronic device, wherein the digital money server is provided with a money processing module, the digital money server The device stores a digital currency identification key, a digital currency key and a first identification key; the first electronic device is provided with a first processing unit and a first storage unit, the first processing unit executes a first a money program, the first storage unit stores a first digital money data, the digital money identification key, the first identification key and a first key, the first money program pairs a first key according to the first key A payment amount data and a first payee data are encrypted to generate a first payment code; the second electronic device is provided with a second processing unit and a second storage unit, the second processing unit executes a second currency a program, wherein the second electronic device receives the first digital currency data and the first payment code sent by the first electronic device, and uploads it to the digital currency server through the second electronic device, and the digital currency server according to The first identification key identifies the first payment code to obtain the first payment amount data and the first payee data, and the digital currency server corresponds to the first payment amount data and the first digital currency data according to the first identification key The first identification key and the second identification key corresponding to the first payee data generate a second digital currency data and a third digital currency data, the digital currency server according to the digital currency key and The second digital currency data generates a second identification code and generates a third identification code according to the digital currency key and the third digital currency data, so as to broadcast the second digital currency data, the third digital currency data, The second identification code and the third identification code are sent to the second electronic device, and the second electronic device transmits the third digital currency data and the third identification code to the first electronic device, wherein the second digital currency data Corresponding to the first payment data, the amount of the third digital currency data is equal to or greater than 0. Therefore, the system for paying digital currency of the present invention can issue digital currency through the digital currency server and identify digital currency-related data with various keys uniformly provided by the digital currency server, thereby enhancing the public's trust in digital currency data.

The present invention provides another embodiment, wherein the digital currency server further generates the first digital currency data in a database according to the first amount and the first identification key, and adds the first digital currency data to a billing data 1. A record of digital currency data.

The present invention provides another embodiment, wherein the digital money server is based on the first payment amount data, the first identification key corresponding to the first digital money data, and the second payee data corresponding to the first payee data. The identification key generates the second digital currency data and the third digital currency data and further deletes the record of the first digital currency data in a billing data and adds the second digital currency data and the third digital currency data. .

In order to make your examiners have a further understanding and understanding of the features of the present invention and the effects achieved, I would like to assist with the examples and cooperation descriptions, and the descriptions are as follows:

First, please refer to FIG. 1A , which is a flow chart of digital currency payment according to an embodiment of the present invention. As shown in the figure, the steps of the method for paying digital currency of the present invention include:

Step S10: generating a first identification code according to the first digital currency data and the digital currency key, so as to push and broadcast the first digital currency data and the first identification code to the first electronic device;

Step S20: the first electronic device identifies the first identification code according to the digital currency identification key and the first identification key;

Step S30: the first electronic device encrypts the first payment amount data and the first payee data according to the first key to generate a first payment code;

Step S40: the first electronic device transmits the first payment code to the digital money server;

Step S50: the digital money server identifies the first payment code according to the first identification key to obtain the first payment amount data and the first payee data;

Step S60: The digital currency server generates the second digital currency data and the third digital currency according to the first payment amount data, the first identification key corresponding to the first digital currency data, and the second identification key corresponding to the first payee data currency information;

Step S70: the digital currency server encrypts the second digital currency data according to the digital currency key to generate a second identification code, and encrypts the third digital currency data according to the digital currency key to generate a third identification code;

Step S80: the digital money server pushes and broadcasts the second digital money data, the third digital money data, the second identification code and the third identification code to the first electronic device;

Step S90: The first electronic device transmits the second digital currency data and the second identification code to the second electronic device.

Please also refer to Figures 2A to 2H, which are schematic diagrams of some steps of an embodiment of the present invention; as shown in Figures 2A to 2H, the payment digital currency matched with the method of paying digital currency of the present invention is shown in Figures 2A to 2H The currency system 1 includes a digital currency server 10 , a first electronic device 20 and a second electronic device 30 , wherein the digital currency server 10 is provided with a currency processing module 12 , and the first electronic device 20 is provided with a The first processing unit 22 and a first storage unit 24, the second electronic device 30 is provided with a second processing unit 32 and a second storage unit 34, the first processing unit 22 executes a first money program P1, the second processing unit 32 Executes a second money program P2. The digital currency server 10 stores a first identification key KVC1, a second identification key KVC2, a digital currency identification key KVDC and a digital currency key KDC, and the first storage unit 24 stores a first digital wallet W1 , the second storage unit 34 stores a second digital wallet W2, the first electronic device 20 stores a digital currency identification key KVDC, a first identification key KVC1, and a first key KEY1 in the first digital wallet W1, The second electronic device 30 stores a digital currency identification key KVDC, a second identification key KVC2, and a second key KEY2 in the second digital wallet W2. The first electronic device 20 and the second electronic device 30 are stored in the second digital wallet W2. Both the first digital wallet W1 and the second digital wallet W2 have a digital currency identification key KVDC.

Before step S10, as shown in FIG. 1B, the method for paying digital currency of the present invention further includes:

Step S1: the digital currency server generates the first digital currency data according to the first amount and the first identification key; and

Step S3: The digital currency server adds a record of the first digital currency data to the billing data.

Wherein, in step S1, referring to FIG. 2A, the digital currency server 10 generates the first digital currency data DC1 according to the first amount 422 and the first identification key KVC1, and at the same time, the digital currency server 10 performs currency processing. The module 12 checks the first digital currency data DC1 according to the first amount 422; in step S3, referring to FIG. 2A, the digital currency server 10 is provided with an accounting data ACC, and after the completion of step S1, the money processing module 12, Add a record of the first digital currency data DC1 in the accounting data ACC, for example: add a digital currency with a denomination of 20,000 and the corresponding key in the accounting data ACC.

In step S10, referring to FIG. 2A again, in the digital money server 10, the money processing module 12 generates the first identification code VC1 according to the digital money key KDC and the first digital money data DC1, whereby the digital money server 10 generates a first identification code VC1. The device 10 pushes the first digital currency data DC1 and the first identification code VC1 to the first electronic device 20, and the first electronic device 20 obtains the digital currency identification key KVDC and the first identification key in the first digital wallet W1. KVC1 identifies the first identification code VC1, and thus obtains the authorization to use the first digital currency data DC1. Since the first key KEY1 is bound to the first electronic device 20, the first identification key KVC1 and the first identification code VC1 are Corresponding to the first electronic device 20, if it is read by other electronic devices, the first identification code VC1 cannot be recognized, so the first digital currency data DC1 cannot be used. Please further refer to FIG. 3A and FIG. 3B, which are schematic diagrams of the first electronic device receiving digital money according to an embodiment of the present invention; as shown in FIG. 3A, and referring to FIG. 2A, the first electronic device 20 is synchronized In the case of operation and having the first key KEY1, step S10 further includes the following:

Step S12A: The first electronic device receives the synchronization data of the first digital currency data and the first identification code.

After the push broadcast of the first digital currency data DC1 and the first identification code VC1 in step S10 is completed, in step S12A, the first electronic device 10 receives the synchronization data of the first digital currency data DC1 and the first identification code VC1 and stored in the first digital wallet W1 of the first storage unit 24 .

As shown in FIG. 3B, and referring to FIG. 2A, the first electronic device 20 operates in the download mode, so step S10 further includes the following:

Step S12B: the first electronic device downloads the first digital currency data and the first identification code; and

Step S14B: Store and record.

After the broadcast of the first digital currency data DC1 and the first identification code VC1 in step S10 is completed, in step S12B, the first electronic device 10 sends the first digital currency data DC1 in the digital currency server 10 to the first digital currency data DC1 and the first digital currency data in step S12B. An identification code VC1 is downloaded to the first money program P1, and then in step S14B the first digital money data DC1 and the first identification code VC1 are stored in the first digital wallet W1 in the first storage unit 24, for example, the denomination is 20,000 The digital currency and the corresponding identification code are downloaded from the digital currency server 10 to the first storage unit 24 by the first currency program P1 of the first electronic device 20 .

Referring back to FIG. 1A and FIG. 2B, in step S20, the first electronic device 20 executes the first money program P1 through the first processing unit 22 according to the digital currency identification key KVDC and the first identification key KVC1 recognizes the first identification code VC1 in the first digital wallet W1, and thus obtains the authorization of the first digital currency data DC1, or receives the first identification code VC1 to obtain the authorization of the first digital currency data DC1. In step S30, as shown in FIG. 2C, when the first electronic device 20 uses the first digital currency data DC1 for payment, the first currency program P1 of the first electronic device 20 makes the first payment according to the first key KEY1 The amount data D11 and the first payee data D12 are encrypted, so a first payment code PC1 is correspondingly generated, wherein the first payment amount data D11 is the first payment amount that the user of the first electronic device 20 wants to pay, The first payee data D12 corresponds to the second electronic device 30 , and the first electronic device 20 scans the digital barcode (for example: QRcode) corresponding to the second electronic device 30 or transmits it from the second electronic device 30 to the second electronic device 30 via wireless transmission. The first electronic device 20, such as: Bluetooth or Wi-Fi Direct (Wi-Fi Direct) or Near Field Communication (NFC). The first electronic device 20 scans the digital barcode CODE provided by the second electronic device 30 to connect to the barcode server 50, and downloads the pre-stored first payment amount data D11 and first payee data D12 for the first electronic device The device 20 performs encryption according to the first key KEY1.

In step S40, as shown in FIG. 2D, the first electronic device 20 uploads data to the digital currency server 10. In this embodiment, the first electronic device 20 is used to synchronize the digital currency server 10, so that the first electronic device 20 is used to synchronize the digital currency server 10. The device 20 only needs to upload the first payment code PC1, and can also be the first electronic device 10 and upload the first digital currency data DC1 and the first payment code PC1 to the digital currency server 10 together, and then in step S50, The money processing module 12 of the digital money server 10 identifies the first payment code PC1 according to the first identification key KVC1, as shown in FIG. 2D, thereby obtaining the first payment amount data D11 and the first payee data D12, and then In step S60, as shown in FIG. 2E, the money processing module 12 according to the first payment amount data D11, the first identification key KVC1 corresponding to the first digital currency data DC1, and the first payee data D12 corresponding to the first identification key KVC1. The two identification keys KVC2 generate a second digital currency data DC2 and a third digital currency data DC3, wherein the money processing module 12 retrieves the corresponding first identification key KVC1 according to the first digital currency data DC1 and pays according to the first payment The corresponding second identification key KVC2 is extracted from the user data D12, and the money processing module 12 correspondingly generates the second digital currency data DC2 according to the first payment amount data D11, and correspondingly generates the third digital currency data DC3, especially the third digital currency data DC3. The amount corresponding to the digital currency data is equal to or greater than 0. At the same time, the money processing module 12 further deletes the record of the first digital currency data DC1 in the accounting data ACC and adds the second digital currency data DC2 and the third digital currency data DC3. record.

Continuing the above, in step S70, as shown in FIG. 2F, the digital money server 10 encrypts the second digital money data DC2 through the money processing module 12 according to the digital money key KDC to generate a second identification code VC2 according to the The digital currency key KDC encrypts the third digital currency data DC3 to generate a third identification code VC3. In step S80, as shown in FIG. 2G, the digital currency server 10 pushes the second digital currency through the currency processing module 12. The currency data DC2, the third digital currency data DC3, the second identification code VC2 and the third identification code VC3 are sent to the first processing unit 22 of the first electronic device 20, wherein, since the second key KEY2 is bound to the second electronic device 30. Therefore, when the first electronic device 20 receives the second digital currency data DC2 and the second identification code VC2, the first processing unit 22 cannot use or read the content of the second digital currency data DC2 and the second identification code VC2 As shown in Figure 4A, and referring to Figure 2G, the first electronic device 20 is a synchronous operation and has the first key KEY1 under the situation, step S80 further comprises the following:

Step S82A: The first electronic device receives the synchronization data of the third digital currency data and the third identification code.

After the push broadcast of the third digital currency data DC3 and the third identification code VC3 in step S80 is completed, in step S82A, the first electronic device 10 receives the synchronization data of the third digital currency data DC3 and the third identification code VC3 and stored in the first storage unit 24 .

As shown in FIG. 4B, and referring to FIG. 2G, the first electronic device 20 operates in the download mode, so step S80 further includes the following:

Step S82B: the first electronic device downloads the third digital currency data and the third identification code; and

Step S84B: Store and record.

After the push and broadcasting of the third digital currency data DC3 and the three identification codes VC3 in step S80 is completed, in step S82B, the first electronic device 10 sends the third digital currency data DC3 in the digital currency server 10 to the third digital currency data DC3 and the third digital currency data in step S82B. The identification code VC3 is downloaded to the first money program P1, and then the third digital money data DC3 and the third identification code VC3 are stored in the first digital wallet W1 of the first storage unit 24 in step S84, for example: a digital value of 20,000 The currency is disassembled into digital currency with denominations of 19800 and 200 and the corresponding identification codes are downloaded from the digital currency server 10 by the first currency program P1 of the first electronic device 20 and the digital currency with the denomination of 19800 and the identification code are stored in the first electronic device 20 . The first digital wallet W1 of the storage unit 24 , and the digital currency of the denomination 200 and its identification code are sent and paid to the second digital wallet W2 of the second electronic device 30 .

Referring back to FIG. 1A , and continuing in step S90 , as shown in FIG. 2H , in this embodiment, the first money program P1 of the first electronic device 20 is used to download the second digital money data DC2 , the second digital money data DC2 , the first money program P1 from the digital money server 10 in this embodiment. The three digital currency data DC3, the second identification code VC2 and the third identification code VC3 are used as examples to clearly indicate the difference between the second digital currency data DC2 and the third digital currency data DC3. The first electronic device 20 stores the second digital currency data DC2 and the second identification code VC2 are transmitted to the second electronic device 30, and at the same time, the third digital currency data DC3 and the third identification code VC3 are stored in the first digital wallet W1; as shown in Figure 5, and refer to Section 2H In the figure, the second electronic device 30 is in an offline state relative to the digital money server 10, so step S90 further includes the following:

Step S92: The second electronic device stores the second digital currency data and the second identification code.

After the first electronic device 20 transmits the second digital currency data DC2 and the second identification code VC2 to the second electronic device 30 in step S80 is completed, then in step S92, the second electronic device 30 transmits the second digital currency data to the second electronic device 30. The digital currency data DC2 and the second identification code VC2 are stored in the second digital wallet W2 in the second storage unit 34. For example, the first currency program P1 of the first electronic device 20 converts the digital currency of denomination 200 and its identification code as After sending and paying to the second electronic device 30, the second money program P2 of the second electronic device 30 stores the digital currency with a denomination of 200 and its identification code in the second digital wallet W2, and the second money program P2 according to the digital currency The currency identification key KVDC and the second identification key KVC2 identify the second identification code VC2 to obtain the use authorization of the second digital currency data DC2.

In the above embodiment, the second electronic device 30 serving as the payee is in an offline state with respect to the digital money server 10 , so it is temporarily impossible to synchronize, update or download the digital money server 10 . In addition, the present invention can also be applied when the first electronic device 20 serving as the payer is in an offline state with respect to the digital money server 10, and its implementation is as follows:

Please refer to FIG. 6A , which is a flowchart of another embodiment of the present invention. The difference between Fig. 1A and Fig. 6A is that Fig. 1A shows that the second electronic device 30 directly transmits data to the digital money server 10, while the first electronic device 20 in Fig. 6 transfers the data to the digital currency through the second electronic device 30 Currency Server 10. The steps of the method for paying digital currency of the present invention include the following:

Step S110: the first electronic device encrypts the first payment amount and the first payee data according to the first key to generate a first payment code;

Step S120: the first electronic device transmits the first payment code to the second electronic device, so as to upload the first digital currency data and the first payment code to the digital currency server via the second electronic device;

Step S130: The digital money server identifies the first payment code according to the first identification key to obtain the first payment amount data and the first payee data;

Step S140: The digital currency server generates the second digital currency data and the third digital currency according to the first payment amount data, the first identification key corresponding to the first digital currency data, and the second identification key corresponding to the first payee data currency information;

Step S150: the digital currency server encrypts the second digital currency data according to the digital currency key to generate a second identification code, and encrypts the third digital currency data according to the digital currency key to generate a third identification code;

Step S160: the digital money server pushes and broadcasts the second digital money data, the third digital money data, the second identification code and the third identification code to the second electronic device;

Step S170: The second electronic device transmits the third digital currency data and the third identification code to the first electronic device and updates.

The steps S110 , S130 to S150 are the same as the above-mentioned steps S30 , S50 to S70 , and thus will not be described again.

Please also refer to Figures 7A to 7G, which are schematic diagrams of some steps of an embodiment of the present invention; as shown in Figures 7A to 7G, the payment digital currency matched with the method of paying digital currency of the present invention The currency system 1 includes a digital currency server 10 , a first electronic device 20 and a second electronic device 30 , wherein the digital currency server 10 is provided with a currency processing module 12 , and the first electronic device 20 is provided with a The first processing unit 22 and a first storage unit 24, the second electronic device 30 is provided with a second processing unit 32 and a second storage unit 34, the first processing unit 22 executes a first money program P1, the second processing unit 32 Executes a second money program P2.

Before step S110, as shown in FIG. 6B, the method for paying digital currency of the present invention further includes:

Step S101: The digital currency server generates first digital currency data according to the first amount and the first identification key; and

Step S103: The digital currency server adds a record of the first digital currency data to the billing data.

Step S105: the digital currency server encrypts the first digital currency data according to the digital currency identification key to generate a first identification code, so that the first electronic device can download the first digital currency data and the first key;

Step S107: The first electronic device identifies the first identification code according to the digital currency identification key and the first identification key.

Steps S101 to S103 are the same as the above-mentioned steps S1 to S3, and thus will not be described again.

In step S105, as shown in FIG. 7A, the digital money server 10 encrypts the first digital money data DC1 through the money processing module 12 according to the digital money identification key KVDC to generate the first identification code VC1, and the first electronic device 20 The first digital money data DC1 and the first identification code VC1 are downloaded to the digital money server 10 by the first money program P1 executed by the first processing unit 22, and then in step S107, as shown in FIG. 7B, the first The money program P1 identifies the first identification code VC1 according to the digital currency identification key KVDC and the first identification key KVC1, thereby allowing the first digital wallet W1 to obtain the authorization to use the first digital currency data DC1.

Referring back to FIG. 6A, in step S120, in step S40, as shown in FIG. 7D, the first electronic device 20 transmits the first payment code PC1 and the first digital currency data DC1 to the second electronic device 30, thus The data of the second money program P2 executed by the second processing unit 32 is sent to the digital money server 10. In this embodiment, the first electronic device 20 is used for wireless transmission (for example, Bluetooth or Wi-Fi direct connection (Wi-Fi). -Fi Direct) or near-end transmission (NFC)) to send the first payment code PC1 and the first digital currency data DC to the second electronic device 30, and the second electronic device 30 also sends the first digital currency data DC1 and the first digital currency data DC1 to the second electronic device 30. A payment code PC1 is also uploaded to the digital currency server 10 .

Continuing the above, in step S160, as shown in FIG. 7G, the digital money server 10 pushes and broadcasts the second digital money data DC2, the third digital money data DC3, the second identification code VC2 and the third identification code VC3 to the second Electronic device 30; as shown in FIG. 8A, and referring to FIG. 7G, when the first electronic device 20 is operated synchronously and has the first key KEY1, step S160 further includes the following:

Step S162A: The second electronic device receives the second digital currency data, the third digital currency data, the synchronization data of the second identification code and the third identification code.

After the second digital currency data DC2, the third digital currency data DC3, the second identification code VC2 and the third identification code VC3 in step S160 are pushed and broadcasted, the second electronic device 30 receives the second digital currency data in step S162A. The synchronization data of the digital currency data DC2 and the second identification code VC2 is stored in the first storage unit 24 .

As shown in FIG. 8B, and referring to FIG. 7G, the first electronic device 20 operates in the download mode, so step S80 further includes the following:

Step S162B: the first electronic device downloads the second digital currency data, the third digital currency data, the second identification code and the third identification code; and

Step S164B: Store and record the second digital currency data and the second identification code.

After the second digital currency data DC2, the third digital currency data DC3, the second identification code VC2 and the third identification code VC3 in step S160, in step S162B, the second electronic device 30 sends the digital currency server 10 The second digital currency data DC2, the third digital currency data DC3, the second identification code VC2 and the third identification code VC3 are downloaded to the second currency program P2, and then in step S164B, as shown in Figure 7H, save The second digital currency data DC2 and the second identification code VC2 are stored in the second digital wallet W2 in the second storage unit 34. For example, the digital currency with a denomination of 20,000 is disassembled into the digital currency with a denomination of 19,800 and 200 and the corresponding identification codes are given by The second money program P2 of the second electronic device 30 is downloaded from the digital money server 10 and stores the digital money with denominations of 19800 and 200 and their identification codes in the first storage unit 24 , and the digital money with denominations of 200 and their identification codes are Stored in the second storage unit 34 of the second electronic device 30 .

In step S170, as shown in FIG. 7H, the second electronic device 30 transmits the third digital currency data DC3 and the third identification code VC3 to the first electronic device 20 through wireless transmission, and the first electronic device 20 transmits the first currency through the first electronic device 20. The program P1 identifies the third identification code VC3 according to the digital currency identification key KVDC and the first identification key KVC1, obtains the authorization of the third digital currency data DC3, and updates the first digital wallet W1 according to the digital currency identification key KVDC. A digital currency DC1 is a third digital currency DC3.

In this way, the method and system for paying digital money of the present invention can not only directly connect the digital money server 10 by the first electronic device 20 to transmit the first digital money data DC1 or its related data, but also can transmit the first digital money data DC1 or its related data by the first electronic device 20 through the first electronic device 20. The second electronic device 30 is relayed to the digital money server 10, so the second electronic device 30 uploads data to the digital money server 10 instead, so whether the first electronic device 20 or the second electronic device 30 is relative to the digital money server 10. It is offline, and digital currency payment can be completed.

To sum up, the method and system for paying digital currency of the present invention provide the digital currency server to generate the corresponding key and digital currency data, so that the electronic device that downloads or receives the push broadcast can obtain the authorization of the digital currency , to be used for digital currency payment, and to allow the digital currency server to split the accounting uniformly, so that the transaction of digital currency can avoid the risk of tampering, and at the same time, the reliability of digital currency is enhanced.

Therefore, the present invention is indeed novel, progressive and available for industrial use, and it should meet the requirements of patent application in my country's patent law.

However, the above descriptions are only preferred embodiments of the present invention, and are not intended to limit the scope of implementation of the present invention. All changes and modifications made in accordance with the shape, structure, features and spirit described in the scope of the patent application of the present invention are equivalent. , shall be included in the scope of the patent application of the present invention.

1 system 10 digital currency server 12 Money Processing Modules 20 The first electronic device 22 The first processing unit 24 first storage unit 30 Second electronic device 32 second processing unit 34 second storage unit 40 Financial intermediary server 42 bank accounts 422 first amount ACC billing information D11 First Payment Amount Information D12 First Payee Information DC1 first digital currency data DC2 Second Digital Currency Data DC3 third digital currency data KDC digital currency key KEY1 first key KEY2 second key KVC1 first identification key KVC2 second identification key KVDC digital currency identification key P1 First Currency Program P2 Second Currency Program PC1 first payment code VC1 first identification code VC2 second identification code VC3 third identification code W1 first digital wallet W2 Second Digital Wallet Steps from S1 to S92 Steps S101 to S170

Figure 1A: It is a flow chart of paying digital currency data according to an embodiment of the present invention; Figure 1B: It is a flow chart of paying digital currency data according to an embodiment of the present invention; 2A to 2H: they are schematic diagrams of some steps of an embodiment of the present invention; Fig. 3A to Fig. 3B: it is a flow chart of receiving digital currency data according to an embodiment of the present invention; 4A to 4B: it is a flow chart of receiving digital currency data according to an embodiment of the present invention; Figure 5: It is a flow chart of receiving digital currency data according to an embodiment of the present invention; Figure 6A: It is a flow chart of paying digital currency data according to another embodiment of the present invention; Figure 6B: It is a flow chart of paying digital currency data according to another embodiment of the present invention; FIGS. 7A to 7H : they are schematic diagrams of some steps of another embodiment of the present invention; and Fig. 8A to Fig. 8B: It is a flow chart of receiving digital currency data according to another embodiment of the present invention.

Steps from S10 to S90

Claims (9)

A method of paying digital currency, which is applied to a digital currency server adding a first digital currency data according to a first amount and a first identification key, the digital currency server having the first identification key, a digital currency key and a digital currency identification key, the first identification key, the first key and the digital currency identification key are stored in a first electronic device, the steps of the method include: the digital currency server generating the first digital currency data according to the first amount and the first identification key; the digital currency server adds a record of the first digital currency data to a billing data; the digital currency server according to the first digital currency The currency data and the digital currency key generate a first identification code to push and broadcast the first digital currency data and the first identification code to the first electronic device; the first electronic device is based on the digital currency identification key and the first identification code. The first identification key identifies the first identification code; the first electronic device calculates a first payment amount data and a first payee data according to the first key to generate a first payment code, the The first payee data corresponds to a second electronic device; the first electronic device transmits the first payment code to the digital money server to identify the first payment code according to the first identification key to obtain the first payment code the first payment amount data and the first payee data; the digital currency server corresponds to the first payee data according to the first payment amount data, the first identification key corresponding to the first digital currency data the second identification key generates a second digital currency data and a third digital currency data, the second digital currency data corresponds to the first payment amount, and the amount corresponding to the third digital currency data is equal to or greater than 0; The digital currency server generates a second identification code for the second digital currency data according to the digital currency key and generates the third digital currency data according to the digital currency key generating a third identification code to push and broadcast the second digital currency data, the third digital currency data, the second identification code and the third identification code to the first electronic device; and the first electronic device transmits the The second digital currency data and the second identification code are sent to the second electronic device. A method of paying digital currency, which is applied to a digital currency server adding a first digital currency data according to a first amount and a first identification key, the digital currency server having the first identification key, a digital currency key and a digital currency identification key, the first identification key, the first key and the digital currency identification key are stored in a first electronic device, the steps of the method include: the digital currency server generating a first identification code according to the first digital currency data and the digital currency key to push and broadcast the first digital currency data and the first identification code to the first electronic device; the first electronic device according to the digital currency The currency identification key and the first identification key identify the first identification code; the first electronic device calculates a first payment amount data and a first payee data according to the first key to generate a first a payment code, the first payee data corresponds to a second electronic device; the first electronic device transmits the first payment code to the digital money server to make the first payment according to the first identification key code identification to obtain the first payment amount data and the first payee data; the digital currency server according to the first payment amount data, the first identification key corresponding to the first digital currency data and the first The second identification key corresponding to the payee data generates a second digital currency data and a third digital currency data, the second digital currency data corresponds to the first payment amount, and the third digital currency data corresponds to the amount equal to or greater than 0, wherein the digital currency server further deletes the record of the first digital currency data and adds a record of the second digital currency data and the third digital currency data in a billing data; The digital currency server generates a second identification code for the second digital currency data according to the digital currency key, and generates a third identification code for the third digital currency data according to the digital currency key, so as to push and broadcast the first digital currency data. two digital currency data, the third digital currency data, the second identification code and the third identification code to the first electronic device; and the first electronic device transmits the second digital currency data and the second identification code to the second electronic device. A system for paying digital money, comprising: a digital money server, with a money processing module, the money processing module generates a first digital money data according to a first amount and a first identification key, the digital money The currency server stores a first identification key, a digital currency key and a digital currency identification key, and the money processing module encrypts the first digital currency data according to the digital currency key to generate a first identification code , wherein the digital currency server further generates the first digital currency data in a database according to the first amount, and adds a record of the first digital currency data in a billing data; a first electronic device, set a first processing unit, the first processing unit executes a first money program and is connected to the money processing module, the money processing module pushes the first digital money data and the first identification code to the first money program , the first money program identifies the first identification code according to the digital currency identification key and the first identification key, and the first electronic device pairs a first payment amount data and a first receipt according to the first key The payment data is calculated to generate a first payment code, which is sent to the digital currency server, and the digital currency server identifies the first payment code according to the first identification key to obtain the first payment amount data and the First payee data, the digital currency server corresponds to the first payee data according to the first digital currency data, the first payment amount data, the first identification key corresponding to the first digital currency data The second identification key generates a second digital currency data and a third digital currency data, the digital currency server generates a second identification code for the second digital currency data according to the digital currency key and according to the the digital currency key to the third The digital currency data generates a third identification code, the digital currency server pushes and broadcasts the second digital currency data, the third digital currency data, the second identification code and the third identification code to the first electronic device, the The second digital currency data corresponds to the first payment amount, the third digital currency amount is equal to or greater than 0; and a second electronic device is provided with a second processing unit, the second processing unit executes a second currency program , the first electronic device transmits the second digital currency data and the second identification code to the second electronic device, and the first payee data corresponds to the second electronic device. The system for paying digital currency according to claim 3, wherein the digital currency server is based on the first digital currency data, the first payment amount data, the first identification key corresponding to the first digital currency data and the The second identification key corresponding to the first payee data generates the second digital currency data and the third digital currency data, and further deletes the record of the first digital currency data in a billing data and adds the second digital currency A record of monetary data and the third digit monetary data. A method of paying digital currency, which is applied to a first electronic device to store a first digital currency data, a digital currency identification key, a first identification key and a first key, and a digital currency server has a A digital currency key, the digital currency identification key and the first identification key, the steps of the method include: the first electronic device pairing a first payment amount and a first payee information according to the first key operation to generate a first payment code, the first payee data corresponds to a second electronic device; the first electronic device transmits the first digital currency data and the first payment code to the second electronic device to Upload the first digital currency data and the first payment code to the digital currency server via the second electronic device; the digital currency server recognizes the first payment code according to the first identification key to obtain the first payment Amount information and the first payee information; The digital currency server generates a second digital currency data and a second identification key corresponding to the first payee data according to the first payment amount, the first identification key corresponding to the first digital currency data and the second identification key corresponding to the first payee data a third digital currency data, the second digital currency data corresponds to the first payment amount, the amount of the third digital currency data is equal to or greater than 0, the second key is bound to the second electronic device; the digital currency The currency server generates a second identification code for the second digital currency data according to the digital currency key, and generates a third identification code for the third digital currency data according to the digital currency key, so as to push and broadcast the second digital currency data digital currency data, the third digital currency data, the second identification code and the third identification code to the second electronic device; and the second electronic device transmits the third digital currency data and the third identification code to the The first electronic device and updated. The method for paying digital currency as claimed in claim 5, wherein the first electronic device encrypts a first payment amount and a first payee's data according to the digital currency identification key to generate a first payment code Before the step, it further comprises: the digital currency server generates the first digital currency data according to the first amount and the first identification key; the digital currency server adds a record of the first digital currency data in a billing data ; the digital currency server generates a first identification code according to the digital currency key and the first digital currency data, so that the first electronic device can download the first digital currency data and the first identification code; and The first electronic device identifies the first identification code according to the digital currency identification key and the first identification key. The method for paying digital money according to claim 5, wherein the digital money server is based on the first payment amount data, the first identification key corresponding to the first digital money data, and the first payee data In the step of generating a second digital currency data and a third digital currency data corresponding to the second key, the digital currency server is further A billing data deletes the record of the first digital currency data and adds the records of the second digital currency data and the third digital currency data. A system for paying digital currency, comprising: a digital currency server, which is provided with a currency processing module, and stores a digital currency identification key, a digital currency key and a first identification key, wherein the digital currency server The device further generates a first digital currency data in a database according to a first amount and the first identification key, and adds a record of the first digital currency data to a billing data; and a first electronic device is provided with a A first processing unit and a first storage unit, the first processing unit executes a first currency program, the first storage unit stores a first digital currency data, the digital currency identification key, the first identification key and a first key, the first money program operates on a first payment amount data and a first payee data according to the first key to generate a first payment code; a second electronic device is provided with a a second processing unit and a second storage unit, the second processing unit executes a second money program, the second electronic device receives the first digital money data and the first payment code sent by the first electronic device, to upload to the digital money server via the second electronic device, and the digital money server identifies the first payment code according to the first identification key to obtain the first payment amount data and the first payee data , the digital currency server generates a second digital currency according to the first payment amount data, the first identification key corresponding to the first digital currency data, and the second identification key corresponding to the first payee data data and a third digital currency data, the digital currency server generates a second identification code according to the digital currency key and the second digital currency data, and generates a first digital currency data according to the digital currency key and the third digital currency data Three identification codes to push and broadcast the second digital currency data, the third digital currency data, the second identification code and the third identification code to the second electronic device, and the second electronic device transmits the third digital currency data and the third identification code to the first electronic device, wherein the second key is bound to the second electronic device Setting, the second digital currency data corresponds to the first payment amount, and the amount of the third digital currency data is equal to or greater than 0. The system for paying digital money according to claim 8, wherein the digital money server corresponds to the first payee data according to the first payment amount data, the first identification key corresponding to the first digital money data and the first payee data The second identification key generates the second digital currency data and the third digital currency data and further deletes the record of the first digital currency data in a billing data and adds the second digital currency data and the third digital currency data currency information.

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