Mobile terminal digital currency transaction method without installing digital wallet

A digital currency and digital wallet technology, applied in data processing applications, protocol authorization, finance, etc., can solve problems such as the inability to guarantee the complete security of digital currency, and achieve the effect of achieving confidentiality, reducing security risks, and improving security performance

Pending Publication Date: 2022-05-27
RUBAN QUANTUM TECH CO LTD +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In fact, there are many terminals that do not have the conditions to install digital wallets. In addition, digital wallets are also implemented through program codes, and their data transmission and processing cannot guarantee the complete security of digital currencies.

Method used

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  • Mobile terminal digital currency transaction method without installing digital wallet

Examples

Experimental program
Comparison scheme
Effect test

Embodiment

[0035] Example: Escrow User T pays the digital currency to the escrow user R

[0036] Before the transaction, establish a cryptographic channel between the participants in the digital currency transaction: after the identity authentication between T and TCS, an encrypted communication channel is formed; after the identity authentication between TS and TCS, an encrypted communication channel is formed; after the identity authentication between R and RCS, an encrypted communication channel is formed; after the authentication between RS and RCS, an encrypted communication channel is formed.

[0037] The specific process of trading is as follows Figure 1 shown, including the following steps:

[0038] Step 1. T obtains the mobile terminal number RN of R, confirms the amount, and enters the payment password to form the application information for the transaction request: TXT || TXm|| TP, where the content of TXm such as "send xxx yuan to 13912345678", TXT for transaction time, TP for pa...

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PUM

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Abstract

The invention provides a mobile terminal digital currency transaction method without installing a digital wallet, and the method comprises the steps: configuring digital currency in a commercial bank, and setting an identity authentication mechanism based on a digital certificate; secret communication is carried out between the digital currency collection server and the commercial bank and between the commercial bank and the Chinese people's bank based on the digital certificate; before a transaction, a hosting user registers identity information and a telephone number in a corresponding digital currency hosting server, and stores digital currency encrypted by a payment password of the hosting user; and during transaction, the hosting user performs digital currency transaction with the other party through the corresponding digital currency hosting server. According to the invention, the terminal without the digital wallet can participate in the digital currency transaction, the limitation that the digital wallet must be installed on the digital currency transaction terminal in the prior art is eliminated, and the security of the digital currency transaction is improved.

Description

Technical field [0001] The present invention relates to the field of digital currency trading technology, specifically to a mobile terminal digital currency trading method that does not install a digital wallet. Background [0002] Digital currency is a virtual currency that converts cash values into a series of electronic encrypted sequences, usually generated by central banks and issued to digital currency holders, who usually store digital currency in digital wallets on mobile terminals. When trading digital currency, it is necessary to rely on the interaction between mobile terminals and commercial banks to achieve the transfer of digital currency. [0003] However, the above transaction method must require that the mobile terminal involved in digital currency transactions must install an APP similar to a digital wallet to achieve digital currency storage and enable the transaction process of digital currency. In fact, there are many terminals that do not have the conditions ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06Q20/36G06Q20/38G06Q20/40G06Q40/02
CPCG06Q40/04G06Q20/3674G06Q20/38215G06Q20/3829G06Q20/4014G06Q40/02
Inventor 富尧钟一民
Owner RUBAN QUANTUM TECH CO LTD
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