Method and system for paying digital currencies by using visible digital currency chip card

Abstract

The invention provides a method and system for paying digital currencies by using a visible digital currency chip card, and aims at carrying out offline payment, expanding charging scenes, solving the payment problems under the condition of network lack, enlarging the user groups and bringing convenience to the collection of the users that do not register to use digital currencies. The method for paying digital currencies by using the visible digital currency chip card comprises the following steps of: sending a payment request to collection terminal equipment by a payment visible digital currency chip card under the connection of not establishing network connection with a commercial bank digital currency system; sending the payment request and collection user identify authentication information to the commercial bank digital currency system by the collection terminal equipment when the collection terminal equipment is successfully connected with a network of the commercial bank digital currency system; sending a payment confirmation request to a central bank digital currency system by the commercial bank digital currency system so as to carry out digital currency owner change; and executing preset operations by the central bank digital currency system according to the payment confirmation request, wherein the preset operation comprises changing an owner of a to-be-paid digital currency and storing the identity authentication information.

Description

technical field [0001] The invention relates to the technical field of computer network and computer software, in particular to a method and system for paying digital currency by using a visible digital currency chip card. Background technique [0002] Digital currency is a currency that converts cash values ​​into a series of electronically encrypted serial numbers. The security of the currency itself depends on cryptographic algorithms for protection. In terms of cryptographic algorithms, the security of digital currency systems involves symmetric ciphers, asymmetric ciphers, message digest algorithms, and identity-based cryptographic systems. In terms of system implementation, the overall security of cryptographic systems, the selection of cryptographic algorithms, and cryptographic algorithms must be deeply considered. The implementation of algorithms, the design of interactive protocols, the compatibility of international and domestic standards, etc., ensure the securit...

AI Technical Summary

Problems solved by technology

[0004] 2. Non-repeatable spending: digital currency can only be used once, and repeated spending can be easily checked;

[0005] 3. Controllable anonymity: Banks and merchants cannot track the use of digital currency even if they collude with each other. It is required that the system cannot link the purchase behavior of users of electronic cash together, thereby concealing the purchase history of digital currency users. However, the issuer of digital currency Use of digital currency can be tracked;

[0006] 4. Unforgeability: Users cannot forge fake digital currency;

In addition, the existing electronic payment application range and user groups are limited. For example, in an offline environment, both parties to the transaction cannot conduct transactions safely and conveniently, and when both parties to the transaction use the same payment method to conduct transactions, both parties must be registered users. Many of the above deficiencies are problems that need to be solved urgently.

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