WO2018006310A1 - Method and system for realizing issuance, circulation and recycling of electronic currency - Google Patents

Abstract

A method and system for realizing issuance, circulation and recycling of an electronic currency. A bank party issues an electronic currency by means of freezing credit, cash, funds, etc. and according to a proportion equivalent to circulated legal tender; and a user party uses a multi-party authentication method when using the electronic currency for payment, and only when the minimum number of factors involved in the authentication are authenticated, a payment success is confirmed, thereby realizing the circulation of the electronic currency. The system comprises a bank party and a user party. The bank party recycles an electronic currency according to an issuance rule, the user party exchanges the electronic currency into cash at the bank party, and at the same time, the bank party recycles the equal amount of electronic currencies. The present invention realizes a safe, convenient, transparent, inter-bank, cross-border and cross-currency secure and efficient electronic currency and payment.

Description

Method and system for realizing electronic currency issuance, circulation and recycling Technical field

The present invention relates to the field of Internet application technologies, and in particular, to a method and system for implementing electronic money issuance, circulation, and recycling.

Background technique

The development of currency has experienced four stages of development: physical currency, metal currency, banknotes and electronic money. The physical currency has various manifestations, such as credit and cash. At the end of the 20th century, with the rapid development of computer and network technology, people are experiencing the era of network economy, and the currency has also entered the stage of electronic development, and various electronic money has emerged.

With the advent of electronic money, the development of money is no longer limited to the financial level, but constantly involves the technical level, and there are many problems at the technical level.

At present, the electronic money that is widely existed is virtual virtual electronic money, such as Facebook Credits, Amazon, and Q coins. The most typical ones are digital electronic money represented by bitcoin, which is realized by digital encryption technology.

In the realization of electronic money, most of them set up a platform for this. Users log in to the platform through the network. Correspondingly, this platform will provide users with electronic money and respond to the payment or transfer operations triggered by users in this platform.

In the process of payment or transfer of electronic money in the platform, the value corresponding to the electronic money is always owned by the platform, and the user can only obtain various instructions in response to the payment or transfer process in the platform, for example, receiving a certain amount by the user. The amount of electronic money is not actually held until it is extracted from the platform.

From this, it can be seen that in the current state of realization of electronic money, it is necessary to rely on a specific platform for distribution and transactions, thereby greatly limiting the places where it can be applied.

Moreover, it needs to be further explained that the current implementation of electronic money is self-issued and traded; on the other hand, for the development of computer technology and network technology, the bank's own system is not only a currency management. Tools, also used to achieve various uses involved in currency, such as transactions. It can be seen that the realization of electronic money can not be integrated with the own system built by the bank, and it is de-banking development.

Therefore, the current realization of electronic money has the technical flaws that cannot be integrated with the bank's own system, and it is also unable to cross-platform.

Summary of the invention

Based on this, it is necessary to provide a method for realizing the issuance, circulation and recycling of electronic money, which can be integrated with the own system built by the bank to realize cross-platform.

In addition, it is also necessary to provide a system for realizing the issuance, circulation and recycling of electronic money, which can be integrated with the own system built by the bank to realize cross-platform.

In order to solve the above technical problems, the following technical solutions will be adopted:

A method for realizing the issuance, circulation and recycling of electronic money, comprising the following steps:

The bank adopts a preset mode for electronic money issuance, and the issued electronic money and the legal currency are equivalent;

Using the bank to exchange electronic money, and adopting the multi-party authentication method when using the electronic money for payment, and only the minimum factor of participating in the certification is passed before the payment is confirmed to be successful, thereby circulating the electronic money;

When the bank party receives the electronic money redemption application of the user, the bank converts the legal currency equivalent to the electronic money exchanged with the application to the user, and collects the redeemed electronic money.

A method for realizing the issuance, circulation and recycling of electronic money, comprising the following steps:

The bank adopts a preset mode for electronic money issuance, and the issued electronic money and the legal currency are equivalent;

The bank side exchanges electronic money for the user, and performs multi-party authentication when the user uses the electronic money to pay, and confirms the payment success when all the minimum factors participating in the certification pass, and the circulation of the electronic money is triggered to trigger the corresponding circulation legal currency. Data following transfer;

The user will redeem the electronic money on the bank side, and the bank will redeem the equal amount of legal currency to the user and recover the redeemed electronic money.

A method for realizing the issuance, circulation and recycling of electronic money, comprising the following steps:

Using the direction bank to exchange electronic money, the electronic money is carried by digital packets, and the amount of electronic money encapsulated in the digital package is equivalent to the currency of the exchange currency;

When the user performs the electronic money payment, the multi-party authentication is performed, and the minimum factor of the participation in the authentication is confirmed, the payment is successful, the payment of the electronic money is validated, and the corresponding circulation legal currency data is followed to transfer;

The user will redeem the electronic money on the bank to get the same amount of legal currency, and the same amount of electronic money will be recycled to the bank.

A system for realizing the issuance, circulation and recycling of electronic money, comprising a bank party and a user, wherein the bank party comprises a distribution module and a recycling module;

The issuance module is configured to perform electronic money issuance in a preset mode, and the issued electronic money and the legal currency equivalent;

The use direction is to exchange the electronic money with the bank, and the multi-party authentication method is adopted when the electronic money is used for payment, and only the least-factors participating in the authentication are all authenticated to confirm the payment success, thereby circulating the electronic money;

The recycling module is configured to, when receiving the electronic money redemption application of the user, redeem the legal currency equivalent to the electronic money exchanged with the application, and collect the redeemed electronic money.

According to the above technical solution, the bank adopts a preset mode to issue electronic money equivalent to the circulation of the legal currency, exchanges the electronic money in the direction of use, and adopts a multi-party authentication method when performing electronic money payment, and only the minimum factor for participating in the authentication. All certifiers confirm the payment success, in order to distribute electronic money, and when the bank recycles the electronic money, the user will cash the electronic currency on the bank to obtain the same amount of legal currency, and the bank will recycle the same amount of electronic money. In the process of realizing this electronic currency, since the bank side needs to issue the equivalent value of electronic money according to the entity currency, and after the user converts the electronic money, the electronic currency is safely circulated through multi-party authentication, and the electronic data held by the user is used. Currency, while the bank recycles electronic money, it also pays the equivalent amount of legal currency for the user. Therefore, on the one hand, the realization of electronic money can be connected to the own system built by the bank and integrated with the own system built by the bank. On the other hand, the realization of electronic money can Longer confined to a specific platform that enables electronic money in cooperation with the multi-party certified to ensure the safe flow in the whole domain, which brings cross-platform electronic money to achieve.

DRAWINGS

1 is a schematic diagram of an application of issuing, circulating, and recycling electronic money in an embodiment of the present invention;

2 is a schematic structural diagram of a brief hardware architecture according to an embodiment of the present invention;

3 is a flow chart of a method for implementing electronic money issuance, circulation, and recycling in one embodiment;

FIG. 4 is a flow chart of the method for distributing electronic money by using the direction bank to exchange electronic money in FIG. 3 and using the multi-party authentication method when using electronic money for payment, and only the minimum factor of participating in the authentication is all passed after the authentication is confirmed. ;

5 is a flow chart of the method for obtaining a digital packet carrying electronic money using the direction bank to exchange electronic money in FIG. 4;

6 is a flow chart of a method for redeeming the legal currency of the same amount of electronic money to be redeemed by the user and receiving the redemption of the electronic money when the electronic money redemption application of the user is received in FIG. 3;

7 is a flow chart of an embodiment of a method for implementing electronic money issuance, circulation, and recycling with respect to a bank in one embodiment;

Figure 8 is the bank in Figure 7 for the use of the party to exchange electronic money, and when the user uses electronic money to pay for multi-party authentication, the minimum factor for participation in the certification is confirmed by the successful payment, the circulation of the effective electronic money triggers the corresponding circulation Flow chart of method for following the transfer of legal currency data;

9 is a flow chart of a method for encrypting a digital packet carrying electronic money when the bank exchanges electronic money for the user, and calculating the amount of the electronic money encapsulated in the digital package and the currency equivalent of the exchanged currency;

10 is a flow chart of the method for extracting the amount, the bank party identifier, and the user identifier in the electronic money in FIG. 9 and performing encryption processing to obtain a digital packet;

11 is a multi-party authentication for electronic money payment by digital packet in FIG. 8. In the multi-party authentication participating in the electronic money payment, all the minimum factors participating in the authentication pass the confirmation that the payment is successful, and the payment of the electronic money to the payee is effective. Method flow chart;

12 is a flow chart of the method for the electronic money to be redeemed by the bank in the bank in FIG. 7 , and the bank will redeem the equivalent amount of the legal currency to the user and recover the redeemed electronic money;

FIG. 13 is a multi-party authentication for electronic money redemption by digital packet in FIG. 12, in a multi-party authentication participating in electronic money redemption, a flow chart of a method for validating redemption and validating redemption of the electronic currency is determined by all the minimum factors participating in the authentication;

Figure 14 is a flow chart of the method in which the user in FIG. 7 redeems the electronic money on the bank side, and the bank party will return the equal amount of the legal currency to the user and recycle the redeemed electronic money;

15 is a flow chart of the method for the electronic money to be redeemed by the bank in the bank in FIG. 7 , and the bank will redeem the equal amount of the legal currency to the user and recycle the redeemed electronic money;

16 is a flow chart showing an embodiment of a method for implementing electronic money issuance, circulation, and recycling relative to a user in an embodiment;

17 is a flow chart of a method for the user in FIG. 16 to exchange electronic money by the bank, the electronic money is carried by the digital package, and the amount of the electronic money encapsulated in the digital package is equivalent to the currency of the exchanged currency;

18 is a flow chart showing another embodiment of a method for implementing electronic money issuance, distribution, and recycling with respect to a user in an embodiment;

19 is a flow chart of the method for triggering the multi-party authentication in FIG. 16 to perform multi-party authentication, confirming that the payment is successful when the minimum factor of the certification is passed, and triggering the payment of the corresponding circulation legal currency data by the payment of the valid electronic money. ;

20 is a flow chart of a method for performing multi-party authentication and participating in electronic money payment in FIG. 19, in which all the factors to be authenticated are all authenticated, and the payment is successful, and the payment is performed by the payee;

21 is a payment for registering electronic money by the user initiating the electronic money payment in FIG. 20, and performing multi-party authentication according to the content registered by itself and the contents registered by all other parties, and the minimum factor of participating in the authentication is passed, and the electronic money is passed. Flow chart of the method for the payment to the payee to take effect;

Figure 22 is a flow chart of the method in which the user in FIG. 16 cashes the electronic money on the bank side to obtain an equal amount of the legal currency, and the same amount of the electronic money is recycled to the bank side;

FIG. 23 is a multi-party authentication for performing electronic money redemption in FIG. 22. In the multi-party authentication participating in the electronic money redemption, all the minimum factors participating in the authentication are confirmed to be successful, and the user will deduct the electronic money stored in the wallet to A flow chart of the method for realizing the redemption of the same amount of electronic money and the equal circulation of the legal currency;

Figure 24 is a key flow chart of the electronic money implemented by the present invention;

Figure 25 is a timing diagram of the implementation of the electronic money in Figure 24;

Figure 26 is a flow chart showing the electronic currency exchange between the issuing bank and the user in one embodiment;

Figure 27 is a flow chart showing the implementation of payment of electronic money in one embodiment;

28 is a flow chart of a user performing electronic money redemption in an embodiment;

29 is a schematic structural diagram of a system for realizing electronic money issuance, circulation, and recycling in one embodiment;

Figure 30 is a schematic view showing the structure of the user in Figure 29;

Figure 31 is a schematic structural view of the redemption module of Figure 30;

Figure 32 is a schematic structural view of the recycling module of Figure 29;

33 is a schematic structural diagram of a system for implementing electronic money issuance, circulation, and recycling in an embodiment in relation to a bank in one embodiment;

Figure 34 is a schematic view showing the structure of the circulation processing module in Figure 33;

Figure 35 is a schematic structural view of the redemption unit of Figure 33;

Figure 36 is a schematic structural view of the packet subunit of Figure 35;

37 is a schematic structural diagram of a bank side and a payee in an embodiment;

38 is a schematic structural diagram of a cashing performer in an embodiment;

39 is a schematic structural diagram of a redemption authentication module in FIG. 38;

Figure 40 is a schematic structural view of the redemption module of Figure 33;

41 is a schematic structural diagram of the redemption module of FIG. 33 in another embodiment;

Figure 42 is a block diagram showing the structure of a system for realizing the issuance, circulation, and recycling of electronic money in one embodiment;

43 is a schematic structural diagram of a redemption application module in FIG. 42;

44 is a schematic structural diagram of a memory module in an embodiment;

45 is a schematic structural diagram of a payment initiation module in FIG. 42;

Figure 46 is a schematic diagram showing the structure of the authentication processing unit of Figure 45;

47 is a schematic structural diagram of an authentication execution unit in FIG. 46;

Figure 48 is a schematic structural diagram of the redemption initiating module of Figure 42;

Figure 49 is a block diagram showing the structure of the cashout confirmation processing unit of Figure 48.

detailed description

Exemplary embodiments embodying the features and advantages of the present invention will be described in detail in the following description. It is to be understood that the invention is capable of various modifications in the various embodiments and this invention.

As mentioned above, from the technical point of view, the development of money, the development of money to the stage of electronic money has really involved in technology. After the emergence of the Internet, electronic money exists and is constantly evolving. However, the de-banking of electronic money makes its development very difficult, and it also makes electronic money unable to achieve cross-platform implementation. Users must use a specific platform to achieve the acquisition and use of electronic money.

On the other hand, for the realization of electronic money, even if the value of electronic money is only available to the user from the bank account, the platform acts as the middle layer, and the value corresponding to the electronic money flows between the platform and the bank. Only the transfer of instructions is made between the users in the platform, thereby realizing the transfer and payment of electronic money between users.

In the implementation of the electronic money, it can be clearly seen that the operation of the electronic money is not actually performed between the users. For example, the electronic money of the user A is actually held by the platform, and the user B is initiating the electronic money transfer operation. It is also impossible to hold the electronic currency, which is still held by the platform, and can only be obtained when User B withdraws.

Therefore, in the realization of the existing electronic money, no matter what kind of data form the electronic money exists, it cannot be transmitted in the network and always stays in the platform.

Based on this, a method for realizing the issuance, circulation and recycling of electronic money is proposed. The method is implemented by a computer program, and correspondingly, in order to run the method, a hardware architecture as shown in FIG. 1 is constructed, and a method for realizing electronic money issuance, circulation, and recycling is run in the hardware architecture, thereby implementing the electronic The transmission of parties in the network corresponding to money and electronic money.

Fig. 1 shows a flow path of electronic money and circulation legal currency in the present invention. In the issuance, circulation and recovery of electric money provided by the present invention, the consumer of electronic money includes an X consumer and a Y consumer. Among them, in the electronic money circulation between the X consumer and the Y consumer, the X consumer is the payer and the Y consumer is the payee.

The bank of the electronic money is the issuing bank, that is, the bank A, and the redemption executor of the electronic money is another bank different from the issuing bank, namely the B bank.

Bank A conducts the issuance of electronic money, and the consumer of X receives a certain amount of electronic money by A bank, that is, obtains the electronic currency equivalent to the currency of the exchange currency, and makes the Y user hold the payment when paying to the Y user. There are electronic money.

The Y user shall cash the electronic money held by the Bank B as needed to obtain the same amount of circulation legal currency. Correspondingly, the electronic money shall be recovered by the Bank B. As shown in the data flow indicated by the solid line in Fig. 1, the electronic money starts with Bank A, and its circulation path is: Bank A→X Consumer→Y Consumer→B Bank.

The circulation of electronic money also corresponds to the circulation of the circulation of legal currency, and the circulation path of the circulation legal currency is X consumer → A bank → B bank → Y consumer.

Wherein, as indicated by the serial number in FIG. 1, the electronic money exchange process 1 of the X use direction A bank corresponds to the X use direction A bank storage, etc. The process of circulation of legal currency 1. The process of electronic money circulation between the X consumer and the Y consumer 2 corresponds to the process in which Bank A transfers the equivalent currency to the Bank B. 2, Y uses the direction B bank to redeem the electronic money. The process 3 corresponding to the use of the direction B bank to take out the same amount of electronic money.

On the basis of this, FIG. 2 finds a brief hardware architecture of the present invention. The system in the embodiment of the present invention may include a bank side and a user, and further optionally, may also include a storage system, and may also include a third-party verification system. . Including bank 110 for currency issuance, recycling, electronic money issuance, recycling online system, mobile terminal 120, electronic money issuance, recycling offline terminal device 130, consumer 140, third party verifier 150 and electronic money cloud storage System 160.

The consumer 140 can exchange the electronic money issued by the bank 110 through the electronic money issuance, the recycling online system, the mobile terminal 120 or the electronic money issuance, the recycling offline terminal device 130, or can be distributed through the electronic money, the online system, and the mobile system. The terminal 120 or the electronic money issuance and collection line terminal device 130 performs the redemption of the electronic money.

The electronic money cloud storage system 160 is used to implement storage and retrieval by the user's wallet and electronic money in the wallet.

The issuance, redemption, payment and recycling of electronic money can be realized by the hardware architecture shown in FIG. 2, and can be integrated with the bank, thereby making the implementation of electronic money not limited to the platform.

In one embodiment, specifically, the method for implementing electronic money issuance, circulation, and recycling, as shown in FIG. 3, includes the following steps:

In step S210, the bank side adopts a preset mode for electronic money issuance, and the issued electronic money and the legal currency are equivalent.

The bank is a bank that has the ability to issue electronic money. The preset mode is any one or any combination of credit, cash, and capital freeze. The equivalent of the legal currency issued by the electronic currency and the bank, that is, the value ratio between the electronic money and the circulation legal currency is 1:1.

As mentioned above, the mode for electronic money issuance includes at least credit, cash and capital freezes. The bank may use any one or any combination of expressions for the issuance of electronic money, wherein the mode used is any one of credit, cash or capital freezing, or any combination of the three.

The bank side is completing the issuance of electronic money, and the electronic money will be exchanged for use by the bank.

In step S230, the electronic bank is exchanged with the direction bank, and the multi-party authentication method is adopted when the payment is made by using the electronic money, and only the minimum factor of the participation in the authentication is confirmed by the authentication to pass the electronic money.

The user uses the currency of the circulation to exchange the equivalent electronic money with the bank, thereby enabling the electronic currency to be held.

The holder of electronic money can pay electronic money to other consumers, that is, the payee. The payment of the electronic money refers to the use of the electronic device such as a computer or a mobile terminal by the user to remotely initiate an instruction based on the public network information system, and the electronic device of the payer does not interact with the electronic device of the payee among the users involved. Interaction, the bank provides the recipients and payers with the activities of circulation of legal currency transfer services.

In the case of electronic money payment, the multi-party authentication method is adopted, and the payment is valid after the certification is passed, so that the electronic money can be circulated.

Specifically, the multi-party authentication is performed in the payment of the electronic money, so that the payment is successful only after all the factors participating in the authentication are all passed, and the payment is made to the payee by the current user as the payer.

It should be noted that multi-party authentication means that all parties involved participate in the authentication of the current payment, and only the minimum factor of participation in the certification can be confirmed only when all parties are fully authenticated. Among them, the minimum factor involved in the certification refers to the parties defined by all parties involved in the payment, and the minimum factor participating in the certification defines the parties that must be authenticated in the multi-party authentication.

In step S250, when the bank party receives the electronic money redemption application of the user, the bank exchanges the legal currency equivalent to the electronic currency that is applied for redemption, and recycles the redeemed electronic money.

In addition to issuing and redeeming electronic money, the bank can also recover electronic money, in order to use the party to cash in electronic money. In the recovery of electronic money, the same amount of electronic money is cashed, so that the equivalent redemption between electronic money and circulation legal currency can be realized.

Through the realization of the issuance, circulation and recycling of electronic money as described above, the bank and the user will be provided with tools to realize the issuance, circulation and recycling of electronic money, and then deployed in the bank and the user to carry out electronic money. The issuance, circulation and recycling, so that the realization of electronic money can be applied to various platforms, and does not need to be limited to the platform. With the cooperation of multi-party authentication, the cross-platform implementation of electronic money issuance, circulation and recycling is more secure.

In an embodiment, as shown in FIG. 4, step S230 includes:

In step S231, the electronic bank is exchanged with the direction bank to obtain a digital packet carrying the electronic money, and the amount of the electronic money encapsulated in the digital package is equivalent to the currency of the exchanged currency.

After the bank has completed the issuance of electronic money, the user can exchange electronic money. Understandably, the user will use the currency of the currency in circulation to exchange the equivalent of the electronic currency, that is, the amount of the exchanged electronic money and the currency of the exchanged currency.

Electronic money will be realized through digital packets, and electronic money will be carried through digital packets, thereby enabling electronic money to be held, paid and recycled. In other words, for the user to realize the circulation of electronic money, the existence form of electronic money is a digital packet. Therefore, the amount of electronic money packaged in the digital package is the amount in the exchanged electronic money.

Step S233, when performing electronic money payment, obtain a digital packet conforming to the electronic money payment, and send the digital packet to the multi-party direction involved in the payment, and the payment involves multiple parties including the electronic money payment payer, the payee, and the payer bank. And the payee bank.

The user can redeem the electronic money to pay in electronic money. In the electronic money payment performed, according to the current electronic money payment, a digital packet matching the electronic money payment is obtained, and the digital packet is transmitted.

Specifically, in the obtained digital packet, the amount of the encapsulated electronic money is the amount of the electronic money paid, and the packaged other information will also be consistent with the current electronic money payment.

A corresponding digital packet will be obtained for each party involved in the payment to send a digital packet to the multi-party directed by the payment. Among them, the payment involved In addition to the payee including the electronic money payment, the multiparty includes the user, that is, the payer bank and the payee bank, and the bank of the electronic money.

Step S235, performing multi-party authentication of the electronic money. In the multi-party authentication participating in the electronic money payment, all the minimum factors participating in the authentication pass the confirmation that the payment is successful, and the payment of the electronic money to the payee is effective.

Since the digital packets are sent to the multiple parties involved in the payment, the parties involved in the payment are informed of the current electronic money payment, and then the multi-party authentication of the electronic money payment.

In step S237, the legal currency data in the corresponding account between the user and the payee is followed by the payment for transfer.

When the electronic money payment is effective, the legal currency data in the corresponding account between the user and the payee is transferred accordingly. When the user pays a certain amount of electronic money to the payee, the same amount of currency is transferred to the legal currency. Beneficiary.

Through the above process, safe, efficient, convenient and transparent electronic money and its payment are realized.

Further, in this embodiment, as shown in FIG. 5, step S231 includes:

In step S2311, the bank purchase party initiates the redemption application, and the bank obtains the circulation legal currency used by the user for the exchange, and the amount of the exchanged electronic money is equivalent to the exchanged legal currency.

Step S2313, extracting the bank party identifier and the user identifier in the electronic money, and encrypting the amount, the bank party identifier, and the user identifier in the network electronic money to obtain a digital packet.

In the issuance of electronic money, electronic money only has the bank side identification; with the electronic money exchange by the user, the electronic money exchanged by the bank side to the user has key information such as the amount, the bank side identification and the user identification. This is encrypted to obtain a digital packet carrying electronic money.

In electronic currency exchange, the realization of electronic money through digital packaging will greatly enhance the security of electronic money.

In an embodiment, as shown in FIG. 6, step S250 includes:

Step S251, the cashing execution party receives the digital packet carrying the electronic money redemption application, and authenticates with the bank of the electronic money through the digital package, and the electronic money is recovered by the bank when the authentication is passed.

In step S253, multi-party authentication is performed. When all the factors that are to participate in the authentication are all passed, the verification is successful, and the user obtains the same amount of circulation legal currency in the bank.

Similar to electronic money payment, multi-party authentication should also be carried out in the redemption of electronic money, so that the electronic currency can be fulfilled when the minimum factor of participation in certification is fully passed, thereby further improving the security of electronic money redemption.

In an embodiment, a method for realizing electronic money issuance, circulation, and recycling is also provided correspondingly. As shown in FIG. 7, the method includes the following steps:

In step S310, the bank side adopts a preset mode for electronic money issuance, and the issued electronic money and the legal currency are equivalent.

As mentioned above, the bank generates data in a preset mode, which is used to indicate the amount of the electronic money and the bank side, thereby realizing the issuance of electronic money, and the value ratio between the electronic money and the circulation currency is 1 :1. The currency of circulation will be used as the benchmark for the issuance of electronic money.

It should be noted that in the issuance of the electronic money, relevant electronic money issuance data is also recorded correspondingly, wherein the electronic money issuance data includes at least the circulation amount, the unissued amount and the circulation amount.

Step S330, the bank side exchanges the electronic money for the user, and performs multi-party authentication when the user uses the electronic money to pay, and the minimum factor of the participation in the certification is confirmed by the payment, and the payment is successful, and the circulation of the valid electronic money triggers the corresponding circulation legal currency data to follow. Transfer.

In step S350, the user cashes the electronic money on the bank side, and the bank side will return the equal amount of the legal currency to the user, and recycle the redeemed electronic money.

Through the process as described above, the issuance, circulation and recycling of electronic money are made possible, and under the action of digital packets, the security of electronic money and the liquidity in the network are also guaranteed.

Further, in this embodiment, as shown in FIG. 8, step S330 includes:

Step S331, the bank side encrypts the electronic money when the user converts the electronic money to obtain a digital packet carrying the electronic money, and the amount of the electronic money encapsulated in the digital package is equivalent to the currency of the exchanged currency.

The realization of electronic money is based on the circulation of legal currency, which will greatly avoid the value fluctuations and reduce the risks.

In the electronic money exchange performed by the bank for the user, the redemption of the user is initiated by the terminal device carrying the identity and capable of accessing the network, and the identity is the user identifier. The issuance will receive the amount of electronic money that the user currently needs to redeem, and the converted electronic money will be equivalent to the currency of the currency used by the user to redeem.

The digital packet technology is used to encapsulate the data corresponding to the electronic money. Specifically, the amount of the electronic money is issued and the identification packet is issued to obtain a digital packet. And the digital packets are directed to the parties involved in the electronic currency exchange.

Through the directional transfer process, multiple parties involved in electronic money exchange can effectively obtain the digital packets to which they belong.

That is to say, it should be further explained that, in a preferred embodiment, the bank side will use the respective public keys to implement the packet for each of the parties involved in the electronic money exchange, thereby obtaining the digital packets respectively corresponding to the multiple parties, and transmitting Directional delivery is possible.

This process guarantees security and can be implemented in a central architecture or distributed architecture as needed.

In step S333, when the electronic money payment is made, the digital packet matching the electronic money payment is obtained, and the digital packet is sent to the multi-party of the payment, and the plurality of parties involved in the payment include the payee of the electronic money payment.

Similar to the above-mentioned redemption, the corresponding digital packets will also be obtained in the electronic money payment, and the multi-party directed digital packets will be delivered to the electronic money payment, so that the parties involved in the electronic money payment can timely and accurately know the current electronic data. Money payment.

For example, the parties involved in electronic money payment include the payee, the bank of the electronic money, and the bank associated with the payee.

Step S335, performing multi-party authentication of electronic money payment by digital packet. In the multi-party authentication participating in the electronic money payment, all the minimum factors participating in the authentication pass the confirmation that the payment is successful, and the payment of the electronic money to the payee is effective.

The directional transmission of the digital packet enables the multiple parties involved in the electronic money payment to obtain the corresponding digital packet, and obtains the current electronic money payment according to the digital packet, so as to log in, and complete the multi-party authentication of the electronic money payment according to the registered content. .

In step 337, the circulation legal currency data is followed by the payment transfer in the corresponding account between the user and the payee according to the payment effective.

In the payment of electronic money between the payer and the payee, the follow-up transfer of the legal currency data will also be triggered accordingly, so that the legal currency equivalent to the electronic currency is transferred from the payer to the payee.

This will make the electronicization of the circulation currency, that is, the realization of the electronic currency, conform to the essence of the circulation currency, and thus no longer need to be realized by means of a specific platform or scene, thereby improving convenience and processing speed.

In an embodiment, step S331 is as shown in FIG. 9 and includes the following steps:

In step S3311, the bank party receives the redemption application initiated by the user.

In step S3313, according to the redemption application, the bank obtains the legal currency data used by the user for the exchange, and obtains the equivalent electronic money accordingly.

Upon receiving the redemption request, the bank will trigger the acquisition of the relevant data in response to the redemption request, and perform encryption processing to obtain a digital packet. Among them, the bank will first obtain the circulation legal currency data used by the user for redemption, and the circulation legal currency data is the amount of the circulation legal currency deposited by the user for the electronic currency exchange and deposited with the bank.

As mentioned above, between the circulation of legal currency and electronic money, the principle of exchange is a 1:1 exchange of value between the legal currency and the electronic currency. Therefore, the circulation of the currency will be obtained and exchanged according to the obtained legal currency. Legal currency equivalent of electronic money.

Step S3315, extracting the amount, the bank party identifier and the consumer identifier in the electronic money, and performing encryption processing to obtain a digital packet.

The obtained electronic money is essentially in the form of data such as the amount, bank side identification, etc., and for the bank side, the current electronic money is in the issuance state, and therefore only the relevant amount and the bank side are marked.

When redeeming electronic money for the user, it is necessary to extract the amount in the electronic money and the bank party identification. In addition, the user ID of the application for redemption needs to be extracted, and the amount in the electronic money, the bank party identification and the user. The identification is encrypted, and the packet is completed to obtain a digital packet.

It should be pointed out that the digital packet thus obtained encapsulates the amount of electronic money and sets the direction under the action of encryption processing, so that the digital packet can be directed and transmitted in the network, and the bank is realized by directed transmission. Direct interaction between the party and the user from the platform.

Further, in the implementation of the digital packet, the setting of the pointing is also performed by encryption, and therefore, the directivity of the digital packet for directed transmission in the network is provided. For example, in the payment of electronic money, whether it is directed delivery of digital packets to the bank or directed delivery to the bank associated with the payee, the digital packets are directed to the bank, the user and the payee, and the completion is completed. The digital packet of electronic money payment is directed to the bank and the payee;

For another example, in the exchange of electronic money, the digital packets obtained to the user are directed to the bank and the consumer.

Through the direction of the digital packet, the digital packet that is directed to the parties can be informed by the pointer of the digital packet to the payer and the payee of the current electronic money payment, thereby realizing the login according to this.

Step S3317, sending the digital packet to the user.

Through the process as described above, for the bank side, the electronic money issued and exchanged to the user is transferred to the user through the digital packet, and since the pointing is set in the digital packet, the bank party identification and use are encapsulated. The party logo, therefore, the bank can register and effectively control the circulation of electronic money in the future, greatly improving the controllability and security of electronic money.

In an implementation naming, as shown in FIG. 10, step S3315 includes the following steps:

Step S33151, obtaining the public key of the user who initiated the redemption application.

The redemption application carries the user's own public key, and the user's own public key is obtained before the user initiates the redemption request.

In step S33153, the user's own public key is used to encrypt the amount of the electronic money and the consumer identifier, and the bank party's own private key is used to encrypt the bank party identifier to encapsulate the amount of the electronic money and set the direction.

Security-based protection requires encryption of the data involved in the packet. In a preferred embodiment, the validity of the data such as the amount of electronic money and the user identification is limited to the current exchange, ie between the bank and the user; and the bank identification is such data. Electronic money is always valid before it is destroyed. Therefore, using different public keys to encrypt these two types of data separately will improve the pertinence and reliability of digital packet implementation.

Specifically, the bank's own private key is used to encrypt the amount of the electronic money and the user's identity, and the bank's own private key is used to encrypt the bank's identity. The digital packet thus implemented encapsulates the amount of the electronic money and sets the amount. direction.

The encryption by the user's own public key and the bank's own private key, for the user, has its own private key and the bank's public key, so it can be decrypted accordingly; for other parties In other words, it does not have the private key of the user itself, and it will not be able to decrypt it, so that even if it receives the digital packet, it is equivalent to not receiving, thereby enabling the targeted delivery of the digital packet.

Step S33155, attaching a corresponding digital signature to obtain a digital packet.

The bank uses its private key for digital signatures so that digital signatures are attached to the digital packets, thereby ensuring that the digital packets used to redeem are from the bank.

Through the process as described above, the specific implementation of the bank side is provided during the issuance and exchange phase of electronic money, while ensuring security, The issuance and exchange of electronic money can be separated from the platform and lay the foundation for the subsequent circulation of electronic money.

In one embodiment, as shown in FIG. 11, step S335 includes:

In step S3351, when the electronic money payment is initiated, the bank and the bank associated with the payee register the payment of the electronic money according to the direction of the corresponding digital packet.

As mentioned above, in electronic money payment, the directional delivery of digital packets refers to the digital packets transmitted by the sender to the payee and the bank and the bank associated with the payee. Therefore, when the electronic money payment is initiated, the bank Banks associated with the payee are registered according to the direction of the digital packet.

Among them, the bank associated with the payee refers to the bank that the payee opens.

In step S3353, the bank and the bank associated with the payee perform multi-party authentication according to the content registered by the user and the content registered by the user and the payee, and send corresponding payment authentication messages to all other parties.

The payment of electronic money involves at least the four parties of the bank associated with the payer, the payee, the bank and the payee, and all four parties register this. On this basis, all parties will conduct multi-party authentication according to the content of their registration and the contents registered by other three parties, and output corresponding payment authentication messages.

On the one hand, the bank party registers the electronic money payment according to the received digital packet, and obtains the registered content and the content registered by all other parties to determine whether it is consistent. If yes, the authentication is performed, and the payment is correspondingly output. The authentication message is sent to all other parties; if the judgment is inconsistent, the current electronic money payment is invalidated and the electronic money payment is cancelled, and the electronic money payment that occurs will be automatically rolled back.

On the other hand, the bank associated with the payee, that is, the deposit bank of the payee, also registers the electronic money payment, and obtains the contents of its own registration and the contents registered by all other parties, including the bank, and judges all Whether the registered contents are consistent, and if yes, it is determined to perform authentication, and the corresponding payment authentication message is output and sent out.

Further, the registration of the electronic money transfer by the parties is achieved by accounting, for example, establishing its own accounting records, which will be included in the accounting records when electronic money is exchanged, paid, and recycled.

The registered content obtained is its own accounting record and the accounting records of all other parties. The accounting record will reflect the current electronic money payment and the amount of electronic money paid, the payer, the payee, etc. content.

Further preferably, after performing digital digesting on the registered content, that is, the accounting record, to obtain digital digest information, the digital digest information is compared and the authentication is completed.

As a result, the comparisons made by the parties will be more convenient and the processing efficiency will be better. All parties involved in electronic money payment perform digital summary operations on their own registered content to provide their own digital summary information to all other parties.

Each party involved in the payment of electronic money conducts a comparison of digital summary information to separately output a payment authentication message and send it to all other parties.

Step S3355: Receive a payment authentication message sent by each of the other parties, and determine that the payment is successful when all the authentications of the multi-party authentication in the multi-party authentication are determined according to the payment authentication message and the authentication performed by itself.

Both the bank and the paying bank of the payee will receive the payment authentication message sent by all other parties, and according to the payment authentication message, it is determined that all parties through the payment authentication trigger the corresponding account between the payer and the payee. The transfer of legal currency data, which in turn makes the payment of electronic money through digital packets also drives the transfer of legal currency data; for the payee, it also holds the electronic money while in the account of the deposit bank. A corresponding circulation currency has been added.

In one embodiment, as shown in FIG. 12, step S350 includes:

Step S351: The redemption executing party receives the digital packet carrying the electronic money redemption application, and the electronic money redemption application is initiated by the user holding the electronic money, and the multiple parties involved in the redemption receive the digital packet that is sent in the corresponding direction.

The cashing execution party can be a bank, and the consumer holding the electronic money can redeem the electronic money to any bank, that is, the electronic money held by the company can be cashed into the legal currency.

The redemption executor will receive a digital packet sent by the user, and the digital packet carries an electronic money redemption application to enable the initiation of electronic money redemption.

As mentioned above, the circulation of electronic money is realized by digital packets. Therefore, the user distributes the electronic money to the redemption executor by sending a digital packet to the cashing executor, thereby enabling the bank to obtain electronic money for recycling.

Step S353, performing multi-party authentication of electronic money redemption through digital packets. In the multi-party authentication participating in electronic money redemption, all the minimum factors participating in the authentication are confirmed to be successful, and the redemption of the electronic money is effective.

The redemption executor registers the redemption of the currently occurring electronic money to include the redemption of the electronic currency in the billing record of the redemption party.

Correspondingly, the current redemption of electronic money is also included in the accounting records of the user and the bank.

The digital packet always encapsulates the bank-side identification of the electronic money. In the redemption of the electronic currency, the digital packet is set to include the bank side and the user. Therefore, in the direction of use, the executing party sends the digital packet, and The fixed point will send a digital packet to the bank to enable the bank to know the redemption of the electronic currency.

Similar to the payment of electronic money, the redemption of electronic money requires multi-party authentication. The implementation of multi-party authentication is also based on the content registered by the parties for the payment of electronic money.

The parties involved in the redemption of the electronic currency involve at least the user, the redemption executor and the bank. Among them, if the redemption executor and the bank are the same bank, the two parties are involved.

The three parties involved in the redemption of the electronic currency are each authenticated by multiple parties. At the time of the least factor or all of the certifications, the cashier will initiate the redemption of the electronic currency.

In step S355, the executing party initiates the redemption of the electronic money, and the bank party recovers the same amount of electronic money through the received digital packet, and redeems the equal amount of the circulating legal currency to the user.

It should be noted that the redemption of the electronic money initiated by the executing party includes the exchange of the interaction between the executing party and the user's bank and bank. The redemption executor, the bank of the account of the user, and the bank may be the same bank or different banks, and are not limited herein.

Further, in this embodiment, step S350 further includes:

The fulfillment party verifies and decrypts the digital packet carrying the electronic money redemption application to obtain the encapsulated electronic money redemption application, the amount of redemption, and the direction of the digital packet.

In addition to carrying the electronic money redemption application, the digital packet sets the direction and encapsulates the amount of electronic money requested to be redeemed.

The redemption executor verifies the received digital packet and decrypts it after verification to obtain an electronic money redemption application, the amount of redemption, and the direction of the digital packet.

Wherein, the electronic money redemption application may be in the form of an electronic money operation instruction.

In one embodiment, as shown in FIG. 13, step S353 includes:

In step S3531, the performing party performs a digital digest operation on the content registered by itself to obtain its own digital digest information.

The digital digest operations performed can be implemented by, for example, the HASH algorithm. Correspondingly, the obtained digital digest information is a HASH value, but other digital digest algorithms may also be used, which are not limited herein.

In step S3533, the digital summary information calculated by all other parties is obtained, and the other parties are the least factors participating in the authentication.

All other parties involved in electronic currency redemption also perform numerical digest operations to obtain corresponding digital summary information. The redemption executor obtains their respective digital summary information from all other parties.

In step S3535, it is compared with the digital summary information of the self and the obtained digital summary information. If yes, the process goes to step S3537, and if no, the process goes to step S3538.

The cashier performs the comparison between the digital summary information and the obtained digital summary information. If the digital summary information of the company is consistent with the digital summary information of all other parties, the redemption performed by the authentication itself is not consistent. , the redemption confirmation currently performed by the executing party is invalidated.

After the authentication is completed, the corresponding redemption authentication message will be output and sent to the parties involved in the electronic money.

In step S3537, the redemption performed by itself is authenticated, and the other party's redemption authentication message is sent to other parties.

In step S3538, it is determined that the redemption failure performed by itself.

In step S3539, the redemption authentication message sent by all other parties is received, and after all the certifications that confirm the participation authentication according to the redemption authentication message and the self-certification are all authenticated, the payment is confirmed to be successful, and the electronic money is validated.

Through the process as described above, the redemption of the execution party and all other parties involved in the electronic money redemption or the minimum factor involved in the certification are all authenticated, thereby improving the security of the electronic money redemption process.

Specifically, at least three parties including the cashier executing the party, the user, and the bank party respectively perform their respective certifications, wherein the cashier performing the execution party and the bank side is the bank, and the user is the user, the security level of the bank is very high, and the data is generated. The chance of tampering is very low, so even if the user has data tampering, it is impossible to defraud the executing party from the redemption of a larger amount of electronic money, and the current electronic money redemption is invalid.

In an embodiment, as shown in FIG. 14, before step S355, step 350 further includes:

Step S357: After confirming that the balance of the circulation legal currency in the account is greater than or equal to the amount encapsulated in the digital package according to the legal currency data, the execution party sends an application to the bank.

The redemption of electronic money can only be initiated when there is a legal currency equivalent to electronic money under the user's account.

With the circulation of electronic money, regardless of which consumer is currently held by the electronic currency, it is originally used by the user to convert the currency to the bank, and with the payment of electronic money, the circulation of the legal currency is also followed.

Therefore, the circulation legal currency is currently held by the user who initiated the electronic currency redemption, and the corresponding circulation legal currency data is stored under the corresponding account of the user.

The redemption executor needs to initiate an application to the bank to confirm whether the bank is currently redeeming, and obtain the circulated legal currency allocated by the user's account on the premise that the bank confirms that the electronic currency can be redeemed.

It should be noted that, before step 357, the executing party queries the legal currency data in the corresponding account of the user.

After all parties involved in the electronic currency redemption have passed the certification, the executing party inquires the user's account to confirm that there is a circulating legal currency in the user's account, and the circulation of the legal currency is equivalent to the electronic currency for which the application is redeemed.

The corresponding account of the consumer is stored in the bank of the user's account, so the inquiry made by the redemption executor will be the process of interacting with the bank of the user's bank. The bank that fulfills the executor and the user can be a different bank, but it can also be the same bank.

If the bank that fulfills the execution of the executor and the consumer is the same bank, then the process performed by the executor of the executor will be queried for the account it stores.

The legal currency data in the corresponding account of the user is the amount of the legal currency under this account.

Step S358, after the bank performs the transfer of the same amount of circulation legal currency to the executing party, the cashier performs the execution of the electronic currency.

Upon receiving the application initiated by the redemption executor, the bank party confirms to the redemption executor that the current electronic money can be cashed in response to the application, and the electronic money with the application is cashed through the interaction between the bank party and the bank of the user's account. The equivalent circulation currency is allocated by the user's account To the bank side, the bank side transfers to the redemption executor, and the redemption executor holding the circulated legal currency can trigger the redemption of the electronic money.

Further, in this embodiment, after the step of redeeming the execution of the circulation of the legal currency by the direction redemption executing party, and before the step of cashing the execution of the equal amount of the execution of the electronic money, as shown in FIG. 15, the step 350 further includes:

In step S410, the bank party receives the execution redemption application initiated by the redemption executor.

In step S430, the amount of redemption of the electronic money is obtained by executing the redemption application.

The bank party receives the application initiated by the redemption executor, according to which the electronic currency cashing currently performed by the executor can be obtained.

In step S450, an equivalent amount of the circulation of the legal currency of the electronic money is exchanged between the corresponding account of the user and the redemption executor.

Step S470, updating the related electronic money issuance data according to the amount of the electronic money redemption.

As mentioned above, the bank side stores the electronic money issuance data, and with the bank side and exchange of the electronic money, the bank side records the relevant electronic money issuance data, that is, the issuance amount and unissued amount of the electronic money. And the record of liquidity. In the event of the redemption of electronic money, that is, for the bank side and the redemption executor, when the electronic money is recovered, the electronic money data will change accordingly. Therefore, it needs to be updated to ensure that the bank stores it. The accuracy of the electronic money data.

In one embodiment, as shown in FIG. 16, a method for implementing electronic currency issuance, circulation, and recycling is further provided, including the following steps:

In step S510, the user exchanges the electronic money by the bank, and the electronic money is carried by the digital package, and the amount of the electronic money encapsulated in the digital package is equivalent to the currency of the exchanged currency.

As mentioned above, the electronic money issued by the bank will exist in the form of data. That is to say, in the electronic money issuance issued by the bank, the amount of the electronic money and the bank's data are obtained.

The user who exchanges the electronic money obtains the digital packet returned by the bank, and the digital package encapsulates the amount of the electronic money to be exchanged and the bank party identifier, so that the digital packet becomes a form of circulation of the electronic money in the network, and has Pointed.

The amount of the electronic money encapsulated in the digital package will be a part of the amount of electronic money issued by the bank.

In step S530, when the user performs the payment of the electronic money, the multi-party authentication is performed, and the minimum factor of the participation in the authentication is confirmed as the payment is successful, the payment of the electronic money is validated, and the corresponding circulation legal currency data is followed to transfer.

For electronic money obtained by redemption with the bank, the user holding the electronic money can initiate payment of the electronic money at will.

Through the initiation of electronic money payment, the electronic money held by the user is paid to other users, that is, the payee, in the form of digital packets, so that the electronic money is held by other users.

In the payment between the consumer and the payee, the digital packet points to the three parties involved in the payment of the electronic money, namely the bank party, the consumer and the payee; when the payment of the digital packet is completed, the direction will be converted into a bank. Party and payee.

As mentioned above, in the payment between the consumer and the payee, multi-party authentication is required to confirm the payment success when all the factors participating in the authentication are all authenticated.

In the electronic money payment between the users, the transfer of the legal currency in the account corresponding to each of the users will also be triggered.

Wherein, the transfer of the legal currency in the account is reflected by the increase or decrease of the legal currency data, and as described above, the transfer of the electronic money will involve the bank of the account corresponding to both the user and the user, as the consumer of the payer. If the current electronic money to be transferred is obtained by direct exchange by the bank, the corresponding bank is the bank.

As previously mentioned, the payment of digital packets between consumers is also achieved by directed delivery, ie the consumer acting as the sender will deliver digital packets to all other parties involved in the payment of electronic money.

Therefore, the bank account corresponding to the respective parties will be informed of the current electronic money payment, which will trigger the transfer of the legal currency data.

Through the process as described above, the payment of electronic money is directly between the users, and no other assistance is needed. Therefore, the transfer of electronic money can be carried out freely from the platform, greatly improving the extensiveness of the application of electronic money. And convenience.

In step S550, the user cashes the electronic money on the bank side to obtain an equal amount of legal currency, and the same amount of electronic money is recovered to the bank.

In one embodiment, the method as described above further comprises storing the electronic money in the wallet via the dynamic data link in accordance with the digital packet.

When the user holds the digital packet, the electronic packet can be stored in the wallet through the digital packet. The wallet may be located in any storage medium. For example, a wallet of a user may be a wallet located in a storage medium, or may be a plurality of wallets located in a plurality of different storage media.

The storage medium distributed by the wallet corresponding to the user may be a cloud, a local, a mobile device, an Internet of Things and its device, a physical smart card, or the like. It should be further noted that the wallet corresponding to the user may be a wallet under the name of the party, or a wallet under the name of another user.

As digital packets are passed between the bank and the consumer, the digital packet setting is also directed by the pointing party to point to the bank and the consumer, ie, for the digital packets received by the consumer. The pointer includes: the sender points to the bank side, and the receiver points to the consumer.

In the wallet, the storage of the electronic money held by the user will also be stored in the form of data. Specifically, according to the amount of the digital package package and the set direction, at least the amount of the electronic money in the wallet is issued, and the identifier is issued. And the storage of the consumer ID.

In one embodiment, as shown in FIG. 17, step S510 includes:

In step S511, the direction bank is used to initiate the redemption application.

In actual deployment, the bank of electronic money is the same as the bank of the circulating legal currency. The redemption application carries the amount of the electronic money that is applied for redemption and the user's own public key. Among them, the user's own public key will be used to implement subsequent packet and directed delivery.

Step S513, receiving a digital packet returned by the bank party according to the redemption application through the packet and the directional delivery, and the digital packet carries the electronic money.

As mentioned above, the bank uses the user's own public key for the packet to obtain the amount of the electronic money packaged and sets the digital seal pointed to. A package that delivers digital packets in a targeted manner in response to a redemption request.

The consumer receives the digital packet sent by the bank and decrypts it using its own public key. In the distributed architecture deployed by the network, the consumer, as one of the nodes, will receive multiple digital packets, and is not limited to the digital packets returned by the bank in response to the redemption request.

However, since the digital packet is obtained by using a corresponding public key for a specific recipient, only the digital packet sent to the user can be successfully decrypted, and the other digital packets cannot be decrypted successfully. Equivalent to not receiving the digital packet.

In one embodiment, as shown in FIG. 18, the step of storing the electronic money in the wallet via the dynamic data link according to the digital packet includes:

Step S610, performing unpacking processing of the digital packet to obtain unpacked data, and appending the unpacked data to the dynamic data link, where the unpacked data includes the amount in the electronic money and the bank party identifier and the user identifier.

The user performs unpacking processing on the received digital packet in the redemption application initiated by the bank, wherein the unpacking process is essentially a process of performing identity authentication, data verification, and decryption on the received digital packet.

The unpacked data obtained by the unpacking process is data related to electronic money, and is stored as a form of existence of the electronic money on the side of the user.

The dynamic data link is deployed locally to the user to register the electronic money exchange, payment and redemption by the user, and each registered content is attached to the dynamic data link.

As previously mentioned, the pointing is set in the digital packet, and in one embodiment, the setting of the pointing is accomplished by encryption of the associated identification. In the redemption of electronic money, the direction of the digital packet can be obtained by the bank party identifier and the consumer identifier encrypted in the unpacked data. In the dynamic data link, the current exchange of electronic money is registered by performing the addition of the unpacked data.

Step S630, storing the unpacked data attached in the dynamic data chain in the wallet, updating the possession amount of the electronic money in the wallet, and the wallet is located in any one of the associated storage media or any combination.

The unpacked data is directly stored in the wallet corresponding to the user, and the electronic money amount held by the user is recorded through the wallet. The wallet can be multiple and distributed among multiple storage media, and the electronic money stored between each other can be safely interchanged.

On the other hand, for an electronic money held by a user, the storage of the electronic money is not limited to its own wallet, but may be stored in a wallet corresponding to other users. In other words, the electronic money held by a user can be stored in the wallet corresponding to any user, even in the wallet corresponding to all users, thereby greatly improving the security and storage flexibility.

In an embodiment, step S530 is as shown in FIG. 19, and includes the following steps:

In step S531, the payment request of the electronic money is initiated using the direction, and the public key of the payee itself is obtained from the payee.

After using the other party to initiate the transfer request of the electronic money, the returned public key will be received, and the public key is returned by the user who received the transfer request of the electronic money, and is used to initiate the electronic money transfer request. The user guarantees data security and prevents data theft and tampering in the network communication with the user who accepts the transfer request.

Step S533, according to the parties involved in the electronic money payment, the returned public key and the public key of all other parties are separately encrypted, so that the encapsulation of the electronic money amount and the setting of the self-pointing are obtained by the parties. The digital packet deducts the amount in the electronic money held by the user based on the amount in the electronic money paid.

The user who initiates the electronic money transfer owns the public key of the user involved in the electronic money transfer, which is returned by each user in response to the transfer request of the electronic money. In addition, the transfer of electronic money involves other parties, for example, the bank, the bank that accepts the user of the electronic money transfer, and the user who initiated the electronic money transfer itself presets the public key of the other parties.

For example, the bank is a bank, the types of banks are limited, and there are often only a few banks. Therefore, the user will pre-set the public keys of all the banks, so that the public key of the bank does not need to be transmitted, which is greatly reduced. The amount of data passed is small.

The user who initiates the electronic money transfer is the sender, and each user involved in the electronic money transfer acts as the receiver. In one embodiment, all other parties are banks, that is, the issuing bank and the sender's bank, sending The party uses the public key returned by the receiver to perform the encapsulation of the electronic money amount and the setting of its own pointing to obtain a digital packet to be used for realizing the directional transmission between the sender and the receiver.

Similarly, the sender pre-sets the public key of the issuing bank and the public key of the sender's bank, and uses the issuing bank's public key to encapsulate the electronic money amount and set its own pointing to get the data to be used. Implementing a digital packet directed between the sender and the issuing bank; using the public key of the sending bank of the sender to package the electronic money amount and set its own direction to obtain the orientation to be used between the sender and the issuing bank The digital packet passed.

Through this process, the security of network communication will be greatly improved, and the data carried by the digital packet is sensitive data. In this way, the stealing of sensitive data will also be effectively avoided.

Step S535, the digital packet corresponding to each party is sent.

The user who initiates the electronic money transfer will send the digital packet, and the other users or banks that can successfully decrypt the digital packet can be regarded as receiving the digital packet. This number is not successful when the digital packet decryption is successful. The packet is considered unreceived.

In step S537, multi-party authentication is performed, and in the multi-party authentication of the electronic money payment, all the minimum factors to be authenticated are passed, and the payment is confirmed to be successful, and the electronic money is paid for the payee.

It can be seen that in the payment of electronic money, all parties involved can obtain the payment of the currently issued electronic money through the received digital packet, and all parties are confirmed by the multi-party authentication for the payment of the electronic money, to be passed. Payment by electronic payment can be made to other users in the wallet upon payment confirmation.

Here, the payment of electronic money for other users in the wallet referred to herein refers to the transfer of electronic money in the same wallet or between the wallets.

In one aspect, among the various consumers involved in the payment of the electronic money, the electronic money held by the sender and the receiver may be stored in the same wallet. For example, the wallet may be a wallet located in the cloud, thereby causing the sender and the receiver. The transfer of electronic money between them is carried out in the wallet.

In one embodiment, each user's electronic money can be stored in all wallets in the network, that is, for a user, all wallets in the network have their own image of the electronic money to improve security.

On the other hand, the electronic money held by the sender and the receiver corresponding to the electronic money transfer are respectively stored in different wallets, and the electronic money payment performed in this case will be the electronic money stored between the two wallets. Pay.

It should be specially noted that in the payment of electronic money, the digital packet sent by the parties in the direction of use of the sender carries the sender's own public key and the recipient's own public key to transmit the public key through the digital packet. In turn, it is convenient to encrypt in subsequent network communication.

Since the number of users is massive, and the electronic money transfer between the users is arbitrary, that is, any user can freely transfer the electronic money to any other user. Therefore, for the user, it is impossible to preset other users' own public keys. Here, in order to ensure subsequent network communication, optimization will be performed to carry the required public key through the digital packet, thereby improving network communication. Convenience and flexibility.

In one embodiment, as shown in FIG. 20, step 537 includes:

Step S5371, the user who initiates the electronic money payment registers the payment of the electronic money, performs multi-party authentication according to the content registered by itself and the contents registered by all other parties, and the minimum factor of the participation in the authentication is passed, and the electronic money is collected. The party’s payment is effective.

The user who initiates the payment and all other parties can register the electronic money payment in the form of a billing record, so that the user who initiated the payment and all other parties have corresponding registration content.

The user who initiates the payment performs its own authentication based on the content registered by itself and the contents registered by all other parties, thereby obtaining its own payment authentication message, and transmitting it to all other parties.

Step S5373: Receive a payment authentication message sent by all other parties.

The user receives the payment authentication message sent by all other parties, and then obtains the payment authentication message that all parties involved in the electronic money payment perform authentication.

Step S5375, when the user determines, according to the payment authentication message and the authentication performed by itself, that all the factors participating in the authentication are all authenticated, the payment of the electronic money is valid in the wallet of the user, and is received by the digital packet that has been sent to the payee. The party holds the electronic money paid.

According to all the payment authentication messages received and the authentication performed by itself, it is determined whether the payment of the current electronic money is authenticated at all parties or the minimum factor participating in the authentication. When both are authenticated, the payment of the electronic money will be effective. That is, in the wallet corresponding to the user who initiated the electronic money payment, the electronic money is formally paid out, and in the wallet corresponding to the other users, the electronic money is correspondingly transferred.

Through this process, all parties involved in electronic money payment, that is, each user and the relevant bank, carry out multi-party authentication, which eliminates the possibility of data tampering in electronic money transfer, and the security is greatly improved.

Further, in this embodiment, step S5371 is as shown in FIG. 21, and includes:

In step S53711, the user registers the payment of the electronic money.

Step S53713, performing digital digesting on the content registered by itself to obtain its own digital digest information.

In the multi-party authentication for paying the electronic money according to the registered content, the user who initiates the payment will perform a digital digest operation on the content registered by itself, for example, performing an operation through the HASH algorithm to obtain a corresponding number. Summary information.

Step S53715: Obtain digital summary information calculated by other parties separately, and the other parties are the least factors participating in the authentication.

Step S53717: comparing the digital summary information of the self and the obtained digital summary information, if yes, authenticating the payment made by itself, and sending its own payment authentication message to each of its parties, and if not, The payment made by itself is invalid.

Compare all the digital summary information is consistent, if it is, it means that all the parties in the electronic money payment have passed the certification, and the current electronic money payment made by the user is effective.

If all the digital summary information obtained by the user is inconsistent, the electronic money payment is invalid, for example, the currently performed electronic money payment is automatically rolled back.

In step S53719, the authentication message sent by all other parties is received, and after all the authentications of the participation authentication are confirmed according to the payment authentication message and the self-certification, the payment is successful, and the payment of the electronic money is validated.

In an embodiment, step S550 is as shown in FIG. 22, and includes:

Step S551, the user holding the electronic money performs the setting of the packet and the self-pointing through the encryption of the electronic money redemption application, the redemption amount and the bank party identification, and attaches a corresponding digital signature to obtain the number of the electronic money carrying the redemption. Packet and send.

The user holds the electronic money, generates the electronic money application in the redemption of the electronic money, and obtains the corresponding cash amount and the bank party identification, and then encrypts by the preset public key, thereby realizing the setting of the package and the self-pointing. The preset public key used is the public key of the bank party itself obtained in advance by the user.

As mentioned above, in the redemption of electronic money, the transmission of digital packets will be directional transmission through the bank's own public key.

Step S553, performing multi-party authentication of electronic money redemption. In the multi-party authentication participating in electronic money redemption, all the minimum factors participating in the authentication are confirmed to be successful, and the user will deduct the electronic money stored in the wallet to perform the same amount. The redemption of the electronic currency is obtained by the equal circulation of the legal currency.

After the completion of the transmission of the digital packet, the electronic money held by the user follows the bank party transferred to the electronic money, and at this time, the multi-party authentication of the redemption of all parties will be performed.

The multi-party authentication is similar to the multi-party authentication carried out in the payment of the aforementioned electronic money, and will also be carried out in the parties involved in the electronic money redemption.

The parties involved in the electronic currency redemption will register the current electronic money redemption according to the digital packets they receive, and will verify the current redemption when verifying that the contents of the registration are the same, and then guarantee the electronic money through this process. Cashing in security.

In one embodiment, as shown in FIG. 23, step S553 includes:

In step S5531, the user registers the redemption of the electronic money, and the redemption of the electronic money is registered by the bank party and the redemption executor according to the direction of the digital packet.

Taking the user as an example, the user will register the electronic currency when it is redeemed. On the other hand, the bank and the cashing executor also register it.

In step S5533, the user performs multi-party authentication according to the content registered by itself and the contents registered by all other parties.

Multi-party authentication is based on the registered content. In the specific implementation of multi-party authentication, the registered content will be in the form of conversion information digest value, and the registration content of each party will be compared to ensure the convenience of comparison. And simplicity, improve processing efficiency.

In step S5535, when the authentication of the user and all other parties are authenticated, the user deducts the electronic money stored in the wallet.

For the user, the electronic money stored in the corresponding wallet will be deducted when it is known that its own certification and all other parties' certifications have passed.

Correspondingly, when the redemption executor is informed that its own certification has passed and all other parties' certifications have been passed, the cashier will perform an inquiry into the corresponding account and initiate an application to the bank.

The bank will respond to the electronic currency redemption when it is informed that its own certification and the certification of all other parties have been passed.

After confirming by cashing and completing the deduction of the electronic money stored in the wallet, the electronic money redemption initiated by the user is completed, thereby obtaining the same amount of circulation legal currency.

From this, it can be seen that in the realization of electronic money, as shown in FIG. 24, there are four key steps in the issuance, exchange, storage, distribution, and recovery of electronic money.

In this embodiment, the circulation legal currency may be in the form of cash or deposit, and the circulation currency and the electronic currency are now described in the same currency, and the timing process corresponding thereto is shown in FIG. 25.

Specifically, with respect to the exchange of electronic money, FIG. 26 shows the exchange process of electronic money between the issuing bank and the user.

When the user applies for electronic money, the issuing bank exchanges the electronic money for the user according to the unified standard, and obtains the amount of the electronic money exchanged for the user. In step S803, the amount of the electronic money and the user identifier are encrypted by using the public key of the user, and the issuing bank identifier is encrypted by using the public key of the issuing bank, and the digital signature is attached to obtain the digital packet.

The digital packet is delivered to the user in a targeted manner. At this time, step S804 and step S805 are performed to obtain the unpacked data, that is, the amount of the electronic money, the issuing bank identifier, and the user identifier, and are attached to the dynamic data link to complete the registration. , get the accounting record.

Finally, the exchanged electronic money is stored in the wallet so that the user can use it at any time.

Regarding the circulation of electronic money, taking payment as an example, FIG. 27 shows a payment realization process of electronic money between the X consumer and the Y consumer.

When the X consumer pays the held electronic money to the Y consumer, the X consumer acts as the payer and the Y consumer uses the payee.

The X consumer first initiates a payment to the Y consumer to obtain the public key returned by the Y consumer. Then, using the returned public key and its own private key, step S903 is performed to perform packetization, obtain a digital packet, and carry the public key of the X consumer and the public key of the Y consumer through the digital packet to perform public key transmission, thereby facilitating the Secure transmission of data during the transfer process.

The digital packet is directed to be transmitted, and as described in step S904, multi-party authentication is performed, so that when all the authentications of the parties are passed, the electronic money is dumped, thereby completing the payment between the X consumer and the Y consumer.

Regarding the redemption of electronic money data, FIG. 28 shows the process by which the consumer performs electronic money redemption. In the electronic money redemption shown in FIG. 28, the redemption executor and the bank side are the same bank, that is, the issuing bank.

The user encrypts the public key through a preset public key, which is the issuing bank's own public key. Under the encryption of the preset public key, the obtained digital packet can be directionally transmitted.

The digital packets that are directed to be delivered are obtained by the issuing bank and the user, and after the billing is completed, the issuing bank and the user perform the cashing confirmation, that is, the process of step S1030 to step S1050 is performed.

When the multi-party authentication of the issuing bank and the user is completed, the issuing bank and the user respectively perform corresponding operations through step S1060, so that the final redemption is successfully completed.

It should be noted that, as shown in FIG. 26 to FIG. 28, in a preferred embodiment, a third party verifier is also provided, and the parties involved in the transfer, payment, and redemption process further include a third party verifier. Corresponding registration and confirmation are also performed under the action of the third party verifier, and since the third party verifier is always online, security and processing efficiency can be further ensured.

Through the process as described above, on the one hand, it is possible to introduce a bank, build an electronic money implementation that can accommodate the central architecture, and can evolve into a distributed architecture through further iterative updating; on the other hand, it can be truly implemented in the entire domain. Automatic line, self-resolving and self-storing electronic money.

Through the realization of this electronic currency, the electronic version of the bank version and globally through the network will be obtained, which will further promote the rapid development of the network economy and create a safe, convenient, efficient and global electronic currency.

In one embodiment, a system for implementing electronic money transmission, distribution, and recycling is also provided, as shown in FIG. 29, including a bank party 10 and a consumer 30, wherein the bank party 10 includes a distribution module 110 and a recycling module. 130.

The issuing module 110 is configured to perform electronic money issuance in a preset mode, and the issued electronic money and the legal currency equivalent.

The preset mode is any one or any combination of credit, cash, and capital freeze.

The consumer 30 is used to exchange the electronic money with the bank party 10, and adopts the multi-party authentication method when using the electronic money for payment, and only the minimum factor of the participation in the certification is passed before the payment is confirmed to be successful, thereby circulating the electronic money.

The recycling module 130 is configured to, when receiving the electronic money redemption application of the user, redeem the legal currency equivalent to the electronic money equivalent to the application for redemption, and collect the redeemed electronic money.

In one embodiment, as shown in FIG. 30, the consumer 30 includes a redemption module 310, a payment module 330, an authentication module 350, and a transfer module 370, where:

The redemption module 310 is configured to exchange electronic money with the bank to obtain a digital packet carrying the electronic money, and the amount of the electronic money encapsulated in the digital package is equivalent to the currency of the exchanged currency;

The payment module 330 is configured to obtain a digital packet conforming to the electronic money payment when the electronic money payment is made, and send the digital packet to the multi-party direction involved in the payment, and the payment involves multiple parties including the payment party and the payee of the electronic money payment. Payer bank and payee bank;

The payment authentication module 350 is configured to perform multi-party authentication of the electronic money payment through the digital package. In the multi-party authentication participating in the electronic money payment, the minimum factor of all the certifications participating in the authentication confirms that the payment is successful, and the payment of the electronic money to the payee is effective;

The transfer module 370 is configured to transfer the legal currency data in the corresponding account between the user and the payee to follow the payment.

Further, in this embodiment, as shown in FIG. 31, the redemption module 310 includes a redemption application unit 311 and a packet unit 313, where:

The redemption application unit 311 is configured to initiate a redemption application to the bank party 10, obtain the circulation legal currency used by the user 30 for redemption, and correspondingly obtain the amount in the exchanged electronic money, and the redeemed electronic currency and the exchanged legal currency equivalent.

The packet unit 313 is configured to extract the bank party identifier and the user identifier in the electronic money, and encrypt the amount, the bank party identifier, and the user identifier in the electronic money to obtain a digital packet.

In one embodiment, the recycling module 130, as shown in FIG. 32, includes a currency recovery unit 131 and a redemption authentication unit 133, wherein:

The money recovery unit 131 is configured to receive the digital packet carrying the electronic money redemption application, and perform authentication by the digital party and the bank of the electronic money, and the electronic money is recovered when the authentication is passed.

The redemption authentication unit 133 is configured to perform multi-party authentication. When all the certifications for the certification are passed, the verification is successful, and the user 30 redeems to obtain the same amount of circulation legal currency.

In one embodiment, a system for realizing electronic money issuance, circulation, and recycling is also provided, as shown in FIG. 33, including a bank party 10 and a redemption executor, wherein the bank party 10 includes a distribution module 210, and a circulation process. Module 230 and redemption module 250.

The issuing module 210 is configured to perform electronic money issuance in a preset mode, and the issued electronic money and the legal currency equivalent.

The circulation processing module 230 is configured to exchange electronic money for the user 30, and perform multi-party authentication when the user 30 uses the electronic money payment, and the minimum factor of the participation in the certification is confirmed when the payment is successful, and the circulation of the effective electronic money is triggered. The circulation of legal currency data follows the transfer.

The redemption module 250 is configured to redeem the electronic money to the bank side 10 at the user 30, and the bank side 10 will redeem the equal amount of the legal currency to the user 30 and collect the redeemed electronic money.

In one embodiment, as shown in FIG. 34, the circulation processing module 230 includes a redemption unit 231, a payment processing unit 233, a payment validation unit 235, and an account processing unit 237, wherein:

The redemption unit 231 is configured to perform encryption processing on the electronic money exchanged by the user to obtain a digital packet carrying the electronic money, and the amount of the electronic money encapsulated in the digital package is equivalent to the currency of the exchanged currency;

The payment processing unit 233 is configured to: when performing the electronic money payment, acquire a digital packet conforming to the electronic money payment, and send the digital packet to the multi-party direction involved in the payment, and the plurality of parties involved in the payment include the payee of the electronic money payment;

The payment effective unit 235 is configured to perform multi-party authentication of the electronic money payment by using the digital package. In the multi-party authentication participating in the electronic money payment, all the minimum factors participating in the authentication pass the confirmation that the payment is successful, and the electronic money is sent to the payee. Payment is effective;

The account processing unit 237 is configured to cause the circulation legal currency data to follow the payment transfer in the corresponding account between the user and the payee according to the payment effective.

In one embodiment, as shown in FIG. 35, the redemption unit 231 includes a redemption application receiving subunit 2311, a data acquisition subunit 2313, a packet subunit 2315, and a directional transfer subunit 2317, where:

The redemption application receiving subunit 2311 is configured to receive a redemption application initiated by the user.

The data acquisition sub-unit 2313 is configured to obtain the circulation legal currency data used by the user for redemption according to the redemption application, and obtain the equivalent electronic money accordingly.

The packet subunit 2315 is configured to extract the amount of the electronic money, the bank party identifier, and the user identifier, and perform encryption processing to obtain a digital packet.

A directional transfer sub-unit 2317 for directed delivery of digital packets.

In one embodiment, as shown in FIG. 36, the packet subunit 2315 includes a public key acquisition subunit 23151, an encryption subunit 23153, and a signature attachment subunit 23155, where:

The public key acquisition sub-unit 23151 is configured to obtain the public key of the user who initiated the redemption application.

The encryption subunit 23153 is configured to encrypt the amount of the electronic money and the consumer identifier using the public key of the user, and encrypt the bank party identifier using the private key of the bank itself to encapsulate the amount of the electronic money and set the pointing.

A signature appending sub-unit 23155 for attaching a corresponding digital signature to obtain a digital packet.

In one embodiment, the bank side 10 and the payee, as shown in FIG. 37, include a transfer registration module 410, a self transfer confirmation module 430, and a party transfer confirmation determination module 450, wherein:

The transfer registration module 410 is configured to associate the bank party with the payee according to the direction of the corresponding digital packet when the electronic money payment is initiated. The banks all register the payment of the electronic money.

The self-transfer confirmation module 430 is configured to perform multi-party authentication according to the content registered by itself and the content registered by the user and the payee, and send a corresponding payment authentication message to all other parties.

The party transfer confirmation determination module 450 is configured to receive the payment authentication message sent by all other parties, and determine that the payment is successful when all the authentications of the multi-party authentication in the multi-party authentication are passed according to the payment authentication message and the authentication performed by itself.

In one embodiment, the redemption executor 50, as shown in FIG. 38, includes a redemption application receiving module 510, a redemption authentication module 530, and a redemption initiation module 550, wherein:

The redemption application receiving module 510 is configured to receive a digital packet carrying an electronic money redemption application, and the electronic money redemption application is initiated by a user holding the electronic money, and the plurality of parties involved in the redemption receive the digital packet that is sent in a targeted manner.

The redemption authentication module 530 is used for multi-party authentication of electronic money redemption through digital packets. In the multi-party authentication of participating in electronic money redemption, all the minimum factors participating in the authentication are confirmed to be successful, and the redemption of the electronic money is effective.

The cashing initiation module 550 is configured to redeem the electronic money to be initiated. By receiving the digital packet, the bank side 10 recovers the same amount of electronic money, and redeems the equal amount of the circulating legal currency to the user.

In one embodiment, redemption executor 50 also includes a verification decryption module. The verification decryption unit is used to verify and decrypt the digital packet carrying the electronic money redemption application to obtain the encapsulated electronic money redemption application, the amount of redemption, and the direction of the digital packet.

In one embodiment, the redemption authentication module 530, as shown in FIG. 39, includes a digital digest computing unit 531, an information acquisition unit 533, a comparison unit 535, and a message receiving unit 537, where:

The digital digest computing unit 531 is configured to perform digital digesting on the content registered by itself to obtain its own digital digest information.

The information acquisition unit 533 is configured to obtain digital summary information calculated by all other parties, and the other parties are the least factors involved in the authentication.

The comparison unit 535 is configured to compare the digital summary information of the self and the obtained digital summary information, and if yes, the confirmation of the redemption performed by the authentication itself is passed, and the other redemption authentication message is sent to all other parties. .

The message receiving unit 537 is configured to receive the redemption authentication message sent by each of the other parties, and after all the authentications of the minimum factor participating in the authentication according to the redemption authentication message and the self-certification are passed, the payment is confirmed to be successful, and the electronic money is redeemed.

In one embodiment, the redemption module 250, as shown in FIG. 40, includes an application initiation unit 251 and an execution unit 253, wherein:

The application initiating unit 251 is configured to initiate an application to the bank when the balance of the circulation legal currency in the account is greater than or equal to the amount encapsulated in the digital package according to the legal currency data.

The executing unit 253 is configured to initiate execution of the equal amount of electronic money after the transfer of the equivalent amount of the legal currency to the redemption executor.

In one embodiment, as shown in FIG. 41, the redemption module 250 further includes an application receiving module 610, a dial trigger module 630, and a data update module 650, where:

The application receiving module 610 is configured to receive an execution redemption application initiated by the redemption executor, and obtain an amount of the electronic money exchanged by the execution redemption application.

The transfer triggering module 630 is configured to transfer the same amount of circulation legal currency of the electronic money exchange between the corresponding account of the user and the cashing performer.

The data update module 650 is configured to update related electronic money issuance data according to the amount of electronic money redemption.

In addition, in one embodiment, a system for implementing electronic money issuance, circulation, and recycling is also provided, the system includes a plurality of users, and a consumer 10, as shown in FIG. 42, includes a redemption application module 710. , a payment initiation module 730 and a redemption initiation module 750, wherein:

The redemption application module 710 is configured to exchange electronic money with the bank, the electronic money is carried by the digital package, and the amount of the electronic money encapsulated in the digital package is equivalent to the currency of the currency in which the exchange is initiated.

The payment initiation module 730 is configured to perform multi-party authentication when the electronic money payment is performed, and the minimum factor of the participation in the authentication is confirmed as the payment is successful, and the payment of the valid electronic money is triggered to trigger the corresponding circulation legal currency data to follow the transfer.

The cashing initiation module 750 is configured to redeem the electronic money on the bank side to obtain an equal amount of legal currency, and the same amount of electronic money is recycled to the bank.

In one embodiment, the consumer further includes a storage module for storing the network electronic money in the wallet via the dynamic data link according to the digital packet.

In one embodiment, as shown in FIG. 43, the redemption application module 710 includes a redemption application initiation unit 711 and a redemption reception unit 713, where:

The redemption application initiation unit 711 is configured to initiate a redemption application to the bank.

The redemption receiving unit 713 is configured to receive a digital packet returned by the bank by the packet and the directional delivery according to the redemption application, and the digital packet carries the electronic money.

In one embodiment, the storage module 80, as shown in FIG. 44, includes an unpacking processing module 810 and an unpacking data storage unit 830, wherein:

The unpacking processing module 810 is configured to perform unpacking processing of the digital packet to obtain unpacked data, and attach the unpacked data to the dynamic data link, where the unpacked data includes an amount in the electronic money, a bank party identifier, and a user identifier.

The unpacking data storage unit 830 is configured to store the unpacked data attached in the dynamic data link in the wallet, update the possession amount of the electronic money in the wallet, and the wallet is located in any one of the associated storage media or any combination.

In one embodiment, the payment initiation module 730, as shown in FIG. 45, includes a request transfer unit 731, a packet execution unit 733, a directional transmission unit 735, and an authentication processing unit 737, where:

The request transfer unit 731 is configured to initiate a payment request for the electronic money to the payee of the payment, and obtain the public key of the payee from the payee.

The packet execution unit 733 is configured to separately encrypt the returned public key and the public key of all other parties according to the electronic money payment, so as to perform the encapsulation of the amount in the electronic money and the setting of the self-pointing. The digital packets corresponding to the parties deduct the amount in the electronic money held by the user according to the amount in the electronic money paid.

The directional sending unit 735 is configured to directly send the digital packets corresponding to the parties.

The authentication processing unit 737 is configured to perform multi-party authentication. In the multi-party authentication to participate in the electronic money payment, all the minimum factors participating in the authentication pass the confirmation that the payment is successful, and the payment is performed by the payee.

In one embodiment, the authentication processing unit 737, as shown in FIG. 46, includes an authentication execution unit 7371, a party message receiving unit 7373, and a payment validation unit 7375, where:

The authentication execution unit 7371 is configured to initiate payment of the electronic money by the user who initiates the electronic money payment, and perform multi-party authentication according to the content registered by itself and the content registered by all other parties, and the least factor of the participation in the authentication is passed, and the payment is passed. Payment of electronic money to the payee takes effect.

The party message receiving unit 7373 is configured to receive a payment authentication message sent by all other parties.

The payment validation unit 7375 is configured to determine, according to the payment authentication message and the payment authentication performed by itself, that the minimum factor of participation in the authentication is all passed, the payment of the electronic money is valid in its own wallet, and the digital packet that has been sent to the payee The payee holds the electronic money paid.

In one embodiment, the authentication execution unit 7371 includes a registration subunit 73711, an in-payment digital digest operation sub-unit 73713, an inter-party digital digest information acquisition sub-unit 73715, a digital digest information comparison sub-unit 73719, and Payment Effectiveness Unit 73719, where:

The registration subunit 73711 is for registering payment of electronic money.

The in-payment digital digest operation sub-unit 73713 is configured to perform a digital digest operation on the content registered by itself to obtain its own digital digest information;

The digital summary information obtaining sub-unit 73715 is configured to obtain digital summary information calculated by all other parties, and the other parties are the least factors participating in the authentication;

The digital summary information comparison sub-unit 73719 is configured to compare the digital summary information of the self and the obtained digital summary information, and if yes, authenticate the payment made by itself, and send the payment to the other parties accordingly. The authentication message, if not, determines that the payment made by itself is invalid.

The payment validating unit 73719 is configured to receive the authentication messages respectively sent by all other parties, and after all the authentications of the minimum factors participating in the authentication according to the payment authentication message and the own authentication are passed, the payment is confirmed to be successful, and the payment of the electronic money is validated.

In one embodiment, the redemption initiation module 750, as shown in FIG. 48, further includes a redemption packet unit 751 and a redemption confirmation processing unit 753, where:

The redemption packet unit 751 is configured to perform packet and self-pointing setting by encrypting the electronic money redemption application, the redeemed amount and the bank party identification, and attaching a corresponding digital signature to obtain a digital packet carrying the redeemed electronic money, and send.

The redemption confirmation processing unit 753 is used for multi-party authentication of electronic money redemption. In the multi-party authentication for participating in electronic money redemption, all the minimum factors participating in the authentication are confirmed to be successful, and the electronic money stored in the wallet is deducted to perform the same. The redemption of the amount of electronic money is obtained by equalizing the circulation of the legal currency.

In one embodiment, the redemption confirmation processing unit 753, as shown in FIG. 49, further includes a redemption registration subunit 7531 and a redemption confirmation subunit 7533, wherein:

The redemption registration sub-unit 7531 is used for registering the redemption of the electronic money, and the redemption of the electronic money is registered by the bank party and the redemption executor according to the direction of the digital packet.

The redemption confirmation sub-unit 7533 is used to deny the electronic money stored in the wallet when the authentication is to be authenticated by itself and all other parties are authenticated.

In one embodiment, the deposit of electronic money in the wallet includes the deposit of the electronic money amount, the bank party identifier, and the consumer identifier, the system further comprising a merging module for using the bank party identifier in the wallet and The consumer identifier is used to merge the electronic money amount to merge the electronic money included in the wallet according to the bank side.

A person skilled in the art may understand that all or part of the steps of implementing the above embodiments may be completed by hardware, or may be instructed by a program to execute related hardware, and the program may be stored in a computer readable storage medium. The storage medium mentioned may be a read only memory, a magnetic disk or an optical disk or the like.

While the invention has been described with respect to the preferred embodiments the embodiments The present invention may be embodied in a variety of forms without departing from the spirit or scope of the invention. It is to be understood that the invention is not limited to the details of the invention. All changes and modifications that come within the scope of the claims or the equivalents thereof are intended to be covered by the appended claims.

Claims (44)

A method for realizing bank electronic money issuance, circulation and recycling, characterized in that it comprises the following steps: The bank adopts credit, fund exchange, fund freezing or electronic currency issuance in a combination of three, and the issued electronic money and the legal currency are equivalent; The consumer adopts the multi-party authentication method when using the electronic money for payment, and only the least factor participating in the authentication passes all the certifications to confirm the payment success, and the redeemed electronic money is stored to the digital wallet of the user for performing Transfer or payment transaction; When the bank party receives the electronic money redemption application of the user, the bank converts the legal currency equivalent to the electronic money exchanged with the application to the user, and collects the redeemed electronic money. The method according to claim 1, wherein the user adopts a multi-party authentication method when using the electronic money for payment, and the steps of confirming the payment success only after all the minimum factors participating in the authentication pass the authentication include: The user obtains a digital packet carrying the electronic money, and the amount of the electronic money encapsulated in the digital package is equivalent to the currency of the exchanged currency; When performing the electronic money payment, obtaining a digital packet conforming to the electronic money payment, and transmitting the digital packet to a plurality of parties involved in the payment, the multiple parties involved in the payment including the payer and the payee of the electronic money payment, Payer bank and payee bank; Performing multi-party authentication of the electronic money payment, in the multi-party authentication participating in the electronic money payment, all the minimum factors participating in the authentication pass the confirmation that the payment is successful, and the payment of the electronic money to the payee is effective; The legal currency data in the corresponding account between the user and the payee is transferred following the payment. The method according to claim 2, wherein said user obtains a digital packet carrying said electronic money, said step of: e.g., the amount of electronic money encapsulated in said digital package is equivalent to the value of the converted currency The method further includes: When the use direction initiates the redemption application by the bank party, the bank party obtains the circulation legal currency used by the user for redemption, correspondingly obtains the amount in the exchanged electronic money, and the exchanged electronic money and the circulation of the exchange Legal currency equivalent; Extracting the bank party identifier and the user identifier in the electronic money, encrypting the amount, the bank party identifier and the user identifier in the electronic money to obtain a digital packet, and sending the digital packet to the user who applies for redemption. The method according to claim 1, wherein when the bank party receives the electronic money redemption application of the user, the bank exchanges the legal currency equivalent to the electronic money equivalent to the application for redemption. The steps to recycle the redeemed e-currency include: The redemption executor receives the digital packet carrying the electronic money redemption application, and authenticates with the bank of the electronic money through the digital package, and the electronic money is recovered by the bank when the authentication is passed; Multi-party authentication is carried out, and when the minimum factor of participation in the certification is passed, the verification is successful, and the user is cashed in the bank to obtain the equal amount of circulation currency. A method for realizing the issuance, circulation and recycling of electronic money, characterized in that it comprises the following steps: The bank adopts credit, fund exchange, fund freezing or electronic currency issuance in a combination of three, and the issued electronic money and the legal currency are equivalent; The bank party performs multi-party authentication when the user uses the electronic money payment, and confirms the payment success when all the minimum factors participating in the authentication pass, to validate the circulation of the electronic money to trigger the corresponding circulation legal currency data to follow the transfer, the redemption said The electronic money is stored to the digital wallet of the consumer for making a transfer or payment transaction; The user will redeem the electronic money on the bank side, and the bank will redeem the equal amount of legal currency to the user and recover the redeemed electronic money. The method according to claim 5, wherein the bank side performs multi-party authentication when the user uses the electronic money payment, and the minimum factor of the participation in the authentication is confirmed by the payment, and the payment is confirmed to be effective for the circulation of the electronic money. The steps to trigger the corresponding circulation currency to follow the transfer include: The bank side performs encryption processing for the user to obtain a digital packet carrying the electronic money, and the amount of the electronic money encapsulated in the digital package is equivalent to the currency of the exchanged currency; And performing a digital packet conforming to the electronic money payment, and transmitting the digital packet to a plurality of parties involved in the payment, wherein the plurality of parties involved in the payment comprise a payee of the electronic money payment; Performing multi-party authentication of the electronic money payment by the digital packet, and in the multi-party authentication participating in the electronic money payment, all the minimum factors participating in the authentication pass the confirmation that the payment is successful, and the electronic money is sent to the payee Payment is effective; The circulation of legal currency data is followed by the payment transfer in the corresponding account between the consumer and the payee in accordance with the payment in effect. The method according to claim 6, wherein the step of the bank side performing encryption processing for the user to obtain the digital packet carrying the electronic money comprises: The bank party receives a redemption application initiated by the user; According to the redemption application, the bank obtains data of the circulation legal currency used by the user for redemption, and correspondingly obtains the electronic money equivalent to the circulation legal currency; Extracting the amount, the bank party identifier and the user identifier in the electronic money, and performing encryption processing to obtain a digital packet; The bank passes the digital packet to the consumer. The method according to claim 7, wherein said extracting the amount in the electronic money, the bank party identification, and the use of the square The steps of identifying and encrypting the digital packets include: Obtaining the public key of the user who initiated the redemption application; Encrypting the amount and the consumer identifier in the electronic money using the public key of the user itself, and encrypting the bank party identifier by using the private key of the bank party itself to encapsulate the amount of the electronic money and setting a pointing point; Attach a corresponding digital signature to get a digital packet. The method according to claim 6, wherein said multi-party authentication of said electronic money payment is performed by said digital packet, and in the multi-party authentication participating in said electronic money payment, all the factors participating in the authentication are all authenticated Then confirming that the payment is successful, the steps of the payment of the electronic money to the payee include: When the electronic money payment is initiated, according to the direction of the corresponding digital package, the bank party and the bank associated with the payee register the payment of the electronic money; The bank party and the bank associated with the payee perform multi-party authentication according to the content registered by the user and the content registered by the user and the payee, and send corresponding payment authentication messages to all other parties; Receiving a payment authentication message sent by each of the other parties, and determining that the payment is successful when all the authentications in the multi-party authentication are all passed according to the payment authentication message and the authentication performed by itself. The method according to claim 5, wherein said user cashes the electronic money on the bank side, and the bank side exchanges the equal amount of the legal currency with the user and recycles the redeemed electronic money. The steps include: The redemption executing party receives the digital packet carrying the electronic money redemption application, the electronic money redemption application is initiated by the user holding the electronic money, and the plurality of parties involved in the redemption correspondingly receive the digital packet that is sent in a targeted manner; Performing multi-party authentication of the electronic money by the digital packet, and in the multi-party authentication participating in the electronic money redemption, all the minimum factors participating in the authentication are confirmed to be successful, and the redemption of the electronic money is effective; After the redemption executor initiates the redemption of the electronic money, the bank party recovers the same amount of electronic money by receiving the digital packet, and redeems the equal amount of circulation legal currency to the user. The method according to claim 10, wherein after the cashing execution party receives the digital packet carrying the electronic money redemption application, the user cashes the electronic money on the bank side, and the bank side will The steps for the user to redeem the equal amount of currency for circulation and to recycle the redeemed electronic money include: The redemption performer verifies and decrypts the digital packet carrying the electronic money redemption application, and obtains the encapsulated electronic money redemption application, the amount of redemption, and the direction of the digital packet. The method according to claim 10, wherein said multi-party authentication of said electronic money is performed by digital packet, and in the multi-party authentication participating in said electronic money redemption, the minimum factor of participation in authentication is confirmed by all the certifications The payment is successful, and the steps for the redemption of the electronic currency to take effect include: The cashing execution party performs a digital digest operation on the content registered by itself to obtain its own digital summary information; Obtaining digital summary information calculated by other parties separately, and the other parties are the least factors participating in the authentication; Whether the digital summary information of the self is consistent with the obtained digital summary information, and if so, the authentication is performed by itself, and the other parties are correspondingly sent their own redemption authentication message; Receiving the redemption authentication message sent by each of the other parties, and confirming that all the participation factors of the participation authentication are verified according to the redemption authentication message and the self-certification, the payment is confirmed to be successful, and the electronic money is validated. The method according to claim 10, wherein the executing party to be redeemed initiates redemption of electronic money, and by receiving the digital packet, the bank party recovers an electronic money of the same amount and Before returning the equal amount of the legal currency, The user shall redeem the electronic money on the bank side, and the bank shall return the equal amount of the circulation legal currency to the user, and the step of recycling the redeemed electronic money further includes: When the balance of the circulation legal currency in the account is greater than or equal to the amount encapsulated in the digital package according to the circulation legal currency data, the execution of the redemption execution direction is initiated by the bank party; After the bank performs the transfer of the same amount of circulating legal currency to the executing party, the redemption executing party initiates execution of the equal amount of the electronic money. The method according to claim 13, wherein after the cash-for-executing party performs the transfer of the same amount of circulation currency, the cash-executing party triggers the step of performing the equal-currency of the electronic money, The user shall redeem the electronic money on the bank side, and the bank shall return the equal amount of the circulation legal currency to the user, and the step of recycling the redeemed electronic money further includes: Receiving, by the bank party, an execution redemption application initiated by the redemption executing party; The amount of redemption of the electronic money is obtained by the execution of the redemption application; The transfer of the same amount of currency in circulation between the corresponding account of the user and the redemption executor; The related electronic money issuance data is updated according to the amount of the electronic money redemption. A method for realizing the issuance, circulation and recycling of electronic money, characterized in that it comprises the following steps: Using the direction bank to exchange electronic money, the electronic money is carried by digital packets, and the amount of electronic money encapsulated in the digital package is equivalent to the currency of the exchange currency; When the user performs the electronic money payment, the multi-party authentication is performed, and the minimum factor of the participation in the authentication is all passed, and the payment is confirmed to be successful. Effective payment of the electronic money, triggering the corresponding circulation of legal currency data to follow the transfer; The user will redeem the electronic money on the bank to get the same amount of legal currency, and the same amount of electronic money will be recycled to the bank. The method of claim 15 wherein the method further comprises: The electronic money is stored in the wallet via the dynamic data link based on the digital packet. The method according to claim 15, wherein said step of using the direction bank to exchange electronic money comprises: The use direction sends the redemption application to the bank side; Receiving, by the bank, the digital packet returned by the packet and the directed delivery according to the redemption request, the digital packet carrying the electronic money. The method according to claim 15, wherein when the user performs the electronic money payment, the multi-party authentication is performed, and the minimum factor of the participation in the authentication is confirmed, the payment is successful, the payment of the electronic money is validated, and the corresponding trigger is triggered. The steps for the circulation of legal currency data to follow the transfer include: The payee using the direction payment initiates the payment request of the electronic money, and obtains the public key of the payee from the payee; The parties involved in the electronic money payment are separately encrypted using the returned public key and the preset public keys of all other parties to perform the encapsulation of the amount in the electronic money and the setting of the self-pointing. The digital packet corresponding to the party deducts the amount in the electronic money held by the user according to the amount in the electronic money paid; Directly transmitting the digital packets corresponding to the parties; The multi-party authentication is performed, and in the multi-party authentication of the electronic money payment, all the minimum factors to be authenticated are passed, and the payment is confirmed to be successful, and the payment is performed by the payee. The method according to claim 18, wherein said multi-party authentication is performed, and in the multi-party authentication to participate in the electronic money payment, all the minimum factors participating in the authentication are confirmed to be successful, and the payment is successful. The steps for the payment of electronic money by the parties include: The user initiating the electronic money payment registers the payment of the electronic money, and performs multi-party authentication according to the content registered by itself and the content registered by all other parties, and the least factor of the participation in the authentication is passed, and the payment is passed. The payment of the currency to the payee takes effect; Receiving payment authentication messages sent by all other parties; When the user determines that all the factors participating in the authentication are all authenticated according to the payment authentication message and the authentication performed by itself, the payment of the electronic money is valid in its own wallet, and the number that has been sent to the payee is passed. A packet, the payee holding the electronic money of the payment. The method according to claim 19, wherein the user initiating the electronic money payment registers the payment of the electronic money, and performs multi-party authentication according to the content registered by itself and the contents registered by all other parties, and participates The minimum factor of authentication is passed through all the certifications, and the steps of the payment of the electronic money to the payee include: The user registers the payment of the electronic money; Performing a digital digest operation on the content registered by itself to obtain its own digital summary information; Obtaining digital summary information calculated by other parties separately, and the other parties are the least factors participating in the authentication; Comparing the digital summary information of the self and the obtained digital summary information, if yes, authenticating the payment made by itself, and transmitting its own payment authentication message to other parties; Receiving the authentication message respectively sent by all other parties, and confirming that all the authentication factors participating in the authentication according to the payment authentication message and the own authentication are all passed, the payment is confirmed to be successful, and the payment of the electronic money is validated. The method according to claim 15, wherein the step of the consumer cashing the electronic money on the bank side to obtain an equal amount of circulating legal currency comprises: The user holding the electronic money performs the setting of the packet and the self-pointing by encrypting the electronic money redemption application, the redemption amount and the bank party identification, and attaching a corresponding digital signature to obtain the electronic money carrying the redemption Digital packet and send; Performing multi-party authentication of the electronic money redemption, in the multi-party authentication participating in the electronic money redemption, all the minimum factors participating in the authentication pass the confirmation that the redemption is successful, and the user will deduct the electronic money stored in the wallet to The implementation of the same amount of electronic money is cashed, and the equal amount of legal currency is cashed. The method according to claim 21, wherein said multi-party authentication of said electronic money is performed, and in the multi-party authentication participating in said electronic money redemption, all of the minimum factors participating in the authentication pass are confirmed to be successful. The steps in which the user will deduct the electronic money stored in the wallet to perform the same amount of electronic money redemption include: The user registers the redemption of the electronic money, and the redemption of the electronic money is registered by the bank party and the redemption executing party according to the direction of the digital packet; The user performs multi-party authentication according to the content registered by itself and the contents registered by all other parties; The consumer deducts the electronic money stored in the wallet when its own authentication and all other parties pass the certification. A system for realizing the issuance, circulation and recycling of electronic money, characterized in that it comprises a bank party and a user, wherein the bank party comprises a distribution module and a recycling module; The issuance module is configured to perform electronic money issuance by credit, fund exchange, capital freezing or a combination of three, and the issued electronic money and the legal currency equivalent; The user adopts a multi-party authentication method when using the electronic money for payment, and only the least-factors participating in the authentication are all authenticated to confirm that the payment is successful, and the redeemed electronic money is stored in the digital wallet of the user, For transfer or / payment transactions; The recycling module is configured to, when receiving the electronic money redemption application of the user, exchange the electronic goods with the application for redemption with the application Currency is equal to the circulation of legal currency, and the electronic money that has been redeemed is recycled. The system of claim 23 wherein said consumer comprises: a redemption module, configured to exchange electronic money with the bank, to obtain a digital packet carrying the electronic money, and the amount of the electronic money encapsulated in the digital package is equivalent to the currency of the exchanged currency; a payment module, configured to obtain a digital packet conforming to the electronic money payment when the electronic money payment is made, and send the digital packet to a plurality of parties involved in the payment, where the multiple parties involved in the payment include a payment party of the electronic money payment, and receive Party, payer bank and payee bank; a payment authentication module, configured to perform multi-party authentication of the electronic money payment by using the digital packet, and in the multi-party authentication participating in the electronic money payment, the minimum factor of the participation in the authentication is all passed, and the payment is confirmed to be successful, the electronic money Payment to the payee takes effect; And a transfer module, configured to transfer the legal currency data in the corresponding account between the user and the payee, following the payment. The system of claim 24 wherein said bank side comprises: a redemption application module, configured to obtain a circulation legal currency used by the user for redemption when the redemption application is initiated to the bank, and correspondingly obtain an amount in the exchanged electronic money, the exchanged electronic money and the exchanged legal currency Equivalent a packet module, configured to extract a bank party identifier and a user identifier in the electronic money, encrypt the amount, the bank party identifier, and the user identifier in the electronic money to obtain a digital packet, and send the digital packet to the application for redemption square. The system of claim 23, wherein the recycling module comprises: a money recovery unit, configured to receive a digital packet carrying an electronic money redemption application, and perform authentication by the digital party with the digital party, and the electronic money is recovered when the authentication is passed; The redemption authentication unit is used for multi-party authentication. When all the certifications for the certification are passed, the verification is successful, and the user is cashed to obtain the same amount of circulation currency. A system for realizing electronic money issuance, circulation, and recycling, wherein the system includes a bank side and a user, wherein the bank side includes a issuing module and a redemption module, a circulation processing module, and a redemption module, wherein : The issuance module is configured to perform electronic money issuance by credit, fund exchange, capital freezing or a combination of three, and the issued electronic money and the legal currency equivalent; The circulation processing module is configured to perform multi-party authentication when the user uses the electronic money payment, and the minimum factor of the participation in the certification is confirmed when the payment is successful, and the circulation of the electronic money is activated to trigger the corresponding circulation legal currency data to follow the transfer. The electronic money is stored to the digital wallet of the consumer for making a transfer or payment transaction; The redemption module is used to redeem the electronic money to the bank at the user, and will return the equal amount of the legal currency to the user and recover the redeemed electronic money. The system of claim 27 wherein said circulation processing module comprises: a redemption unit, configured to perform encryption processing on the electronic currency for the user to obtain a digital packet carrying the electronic money, wherein the amount of the electronic money encapsulated in the digital package is equivalent to the currency of the exchanged currency; a payment processing unit, configured to receive a digital packet corresponding to the electronic money payment, and send the digital packet to a plurality of parties involved in the payment, where the multiple parties involved in the payment include the receipt of the electronic money payment Party a payment effective unit, configured to perform multi-party authentication of the electronic money payment by using the digital package, and in the multi-party authentication participating in the electronic money payment, the minimum factor of the participation in the certification is all passed, and the payment is confirmed to be successful, the electronic money Payment to the payee takes effect; The account processing unit is configured to cause the circulation legal currency data to follow the payment transfer in the corresponding account between the user and the payee according to the payment effective. The system of claim 28 wherein said redemption unit comprises: Redemption application receiving sub-unit for receiving a redemption application initiated by the user; a data acquisition subunit, configured to obtain, according to the redemption application, the legal currency data used by the user for redemption, and correspondingly obtain the equivalent electronic money; a packet subunit, configured to extract the amount of the electronic money, the bank party identifier, and the user identifier, and perform encryption processing to obtain a digital packet; A directional transfer subunit for delivering the digital packet to a consumer. The system of claim 29, wherein the packet subunit comprises: a public key obtaining subunit, configured to acquire a public key of the user who initiated the redemption application; And an encryption subunit, configured to encrypt the amount of the electronic money and the user identifier by using the public key of the user, and encrypt the bank identifier by using the private key of the bank itself to encapsulate the amount of the electronic money And set the direction; A signature additional sub-unit for attaching a corresponding digital signature to obtain a digital packet. The system according to claim 29, wherein the bank associated with the payee and the payee further includes a transfer registration module, a self transfer confirmation module, and a party transfer confirmation determination module, wherein: The transfer registration module is configured to: when the electronic money payment is initiated, according to the direction of the corresponding digital package, the bank and the bank associated with the payee register the payment of the electronic money; The self-transfer confirmation module is configured to perform multi-party authentication according to the content registered by itself and the content registered by the user and the payee, and send a corresponding payment authentication message to all other parties; The party transfer confirmation determination module is configured to receive a payment authentication message sent by each of the other parties, and determine, according to the payment authentication message and the authentication performed by itself, that the minimum factor of the participation in the multi-party authentication is all passed, and the payment is confirmed. success. The system of claim 27 wherein said redemption performer comprises: And a redemption application receiving module, configured to receive a digital packet carrying an electronic money redemption application, where the electronic money redemption application is initiated by a user holding the electronic money, and the plurality of parties involved in the redemption receive correspondingly sent digital packets ; And a redemption authentication module, configured to perform multi-party authentication of the electronic money by the digital packet, and in the multi-party authentication participating in the electronic money redemption, the minimum factor of the participation in the certification is all passed, and the redemption is confirmed to be successful, the electronic money Cashing in effect; The cashing initiation module is configured to redeem the electronic money to be initiated, and by receiving the digital packet, the bank party recovers the same amount of electronic money, and redeems the equal amount of circulation legal currency to the user. The system of claim 32, wherein the redemption executor further comprises: The verification decryption module is configured to verify and decrypt the digital packet carrying the electronic money redemption application to obtain the encapsulated electronic money redemption application, the amount of redemption, and the direction of the digital packet. The system of claim 32, wherein the redemption authentication module comprises: a digital digest computing unit, configured to perform a digital digest operation on the content registered by itself to obtain its own digital digest information; The information obtaining unit of each party is configured to obtain digital summary information calculated by all other parties, and the other parties are the least factors participating in the authentication; The comparison unit is configured to compare the digital summary information of the self and the obtained digital summary information, and if yes, authenticate the redemption performed by itself, and send the corresponding redemption authentication message to the other parties accordingly; a message receiving unit, configured to receive a redemption authentication message sent by each of the other parties, and confirm that the payment is successful, and generate the electronic money, after all the certifications that confirm the participation in the authentication according to the redemption authentication message and the self-certification are all passed. Cashing. The system of claim 32, wherein the redemption module comprises: An application initiation unit, configured to initiate an application to the bank party when the balance of the circulation legal currency in the account is greater than or equal to the amount encapsulated in the digital package according to the circulation legal currency number; The execution unit is configured to initiate execution of the equal amount of the electronic money after the transfer of the equivalent amount of the legal currency to the redemption executor. The system of claim 35, wherein the redemption module further comprises: An application receiving module, configured to receive an execution redemption application initiated by the redemption executing party, and obtain an amount of electronic money exchanged by the execution redemption application; a transfer triggering module for transferring the same amount of circulation legal currency for electronic money redemption between the corresponding account of the user and the cashing performer; And a data update module, configured to update related electronic money issuance data according to the amount of the electronic money redemption. An implementation of an electronic money system, characterized in that the system comprises a consumer, the consumer comprising: a redemption application module for redeeming electronic money to a bank, the electronic money being carried by a digital package, and the amount of electronic money encapsulated in the digital package is equivalent to the currency of the currency in which the exchange is initiated; The payment initiation module is configured to perform multi-party authentication when performing electronic money payment, and the minimum factor of participation in the certification is confirmed when the payment is successful, the payment of the electronic money is validated, and the corresponding circulation legal currency data is triggered to be transferred; The cash-initiating module is used to redeem the electronic money on the bank side to obtain an equal amount of circulating legal currency, and the same amount of electronic money is recycled to the bank side. The system of claim 37, wherein the user further comprises: And a storage module, configured to store the network electronic money in the wallet through the dynamic data link according to the digital packet. The system of claim 37, wherein the redemption application module comprises: Redemption application initiation unit for invoking a redemption application to the bank; And a redemption receiving unit, configured to receive a digital packet returned by the bank by the packet and the directional delivery according to the redemption request, where the digital packet carries the electronic money. The system of claim 37, wherein the payment initiation module comprises: Requesting a transfer unit, configured to initiate a payment request of the electronic money to a payee of the payment, and obtain the public key of the payee from the payee; a packet execution unit, configured to separately encrypt the returned public key and the public key of all other parties according to the electronic money payment, to perform encapsulation and self-pointing of the amount in the electronic money Setting a digital packet corresponding to each party, and deducting the amount in the electronic money held by the user according to the amount in the electronic money paid; a directional sending unit, configured to directionally send the digital packet corresponding to the parties; The authentication processing unit is configured to perform the multi-party authentication. In the multi-party authentication to participate in the electronic money payment, all the minimum factors participating in the authentication pass the confirmation that the payment is successful, and the payment is performed by the payee. The system of claim 40, wherein the authentication processing unit comprises: An authentication execution unit, the user for initiating the electronic money payment registers the payment of the electronic money, and performs multi-party authentication according to the content registered by itself and the content registered by all other parties, and all the minimum factors participating in the authentication are passed. After payment is made, the payment of the electronic money to the payee takes effect; a message receiving unit of each party, configured to receive a payment authentication message sent by all other parties; a payment effective unit, configured to determine, according to the payment authentication message and the payment authentication performed by itself, that all the factors participating in the authentication are all authenticated, The payment of the electronic money takes effect in its own wallet and through the digital packets that have been sent to the payee, the payee holds the electronic money of the payment. The system of claim 41, wherein the authentication execution unit comprises: a registration subunit for registering payment of the electronic money; The digital summary operation sub-unit in the payment is used for performing digital digesting on the content registered by itself to obtain its own digital summary information; a digital summary information obtaining sub-unit for obtaining digital summary information calculated by other parties separately, wherein the other parties are the least factors participating in the authentication; The digital summary information comparison sub-unit is configured to compare the digital summary information of the self and the obtained digital summary information, and if yes, authenticate the payment made by itself, and send the payment authentication to the other parties accordingly. Message a payment effective unit, configured to receive an authentication message separately sent by all other parties, and after all the certifications of the participation authentication are confirmed according to the payment authentication message and the self-certification, the payment is successful, and the electronic money is valid. Pay. The system of claim 37, wherein the redemption initiation module comprises: The cashing unit is configured to perform packet and self-pointing setting by encrypting the electronic money redemption application, the redeemed amount and the bank party identification, and attaching a corresponding digital signature to obtain a digital packet carrying the redeemed electronic money, and sending ; a redemption confirmation processing unit, configured to perform multi-party authentication of the electronic money redemption, in the multi-party authentication participating in the electronic money redemption, all the minimum factors participating in the authentication are confirmed to be successful, and the electronic money stored in the wallet is deducted In order to perform the redemption of the same amount of electronic money, the equivalent circulation of the legal currency is cashed. The system according to claim 43, wherein said redemption confirmation processing unit comprises: Redeeming a registration subunit for registering the redemption of the electronic money, the redemption of the electronic money being registered by the bank side and the redemption executor according to the direction of the digital package; The redemption confirmation sub-unit is used to deny the electronic money stored in the wallet when the authentication is to be authenticated by itself and all other parties are authenticated.

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