System and method for generating currency file, safety equipment, transaction system and method

Abstract

The invention provides a system for generating a currency file. A currency file issuing system comprises initial currency generating equipment and background transaction processing equipment, wherein the initial currency generating equipment is used for generating initial currencies; the initial currencies are digital files comprising identification data; the identification data comprise currency denominations; the background transaction processing equipment can sign the initial currencies for the first time to form the currency file with a first certificate; and data participating in the first signature comprise the initial currencies and information of a currency file owner. The invention also provides a method for generating the currency file by using the system, safety equipment, a transaction system comprising the safety equipment and a method for transaction by using the transaction system. According to the transaction method disclosed by the invention, the currency file can be delivered among different sets of safety equipment, and sorting liquidation is not needed, so that the transaction flow is simplified.

Description

technical field [0001] The present invention relates to the field of electronic payment, in particular to a system for generating currency files, a method for generating currency files using the system, a security device for storing currency files, a transaction system including the security device, and a A method for conducting transactions using the transaction system. Background technique [0002] Currently, payment methods commonly used in the field of electronic payment include electronic wallets, electronic cash, and debit and credit bookkeeping. In the above method, the balance of funds is reflected on the card in the form of numbers, and during the transaction, the card realizes external authentication by means of the terminal POS, so as to realize the increase or decrease of the balance of funds in the background accounting. The current electronic payment transaction system mainly processes transaction acceptance, access, distribution, confirmation and collection o...

AI Technical Summary

Problems solved by technology

[0003] The existing electronic payment transaction system operates between the cardholder's and the merchant's account operations between the system of the cardholder's card issuer and the institution where the merchant's account is located, and the acquirer's system only accepts and accesses the transaction, data Preparation and result feedback, but not actual account operations, so the operation of the transaction account cannot be completed in real time. Usually, it is necessary to generate batch files after reconciliation and clearing of the account through the acquiring system, and then the institution where the account is located Execute batch entry

[0004] As mentioned above, the use of the above-mentioned transaction system cannot realize direct fund circulation between cardholders, that is, regardless of the realization of cash-on-the-go funds

Images