CN107230079B - Method and system for offline payment using digital currency chip card - Google Patents

Abstract

Translated fromChinese

本发明提供一种使用数字货币芯片卡进行离线支付的方法及系统，该方法包括：受理终端设备在未与商业银行数字货币系统建立网络连接的情况下，接收交易金额；用户终端设备通过近距离无线连接方式从受理终端设备获取交易金额，并将交易信息发送至受理终端设备；受理终端设备与商业银行数字货币系统建立网络连接之后，受理终端设备将交易信息发送至商业银行数字货币系统；商业银行数字货币系统在接收到交易信息后，向中央银行数字货币系统发送变更属主的请求；中央银行数字货币系统在接收到变更属主的请求后，将数字货币的属主变更为受理终端设备对应的商户代码。通过本发明不仅在保证支付安全的情况下，能够有效提升了消费者在消费过程中的支付体验。

The present invention provides a method and system for offline payment by using a digital currency chip card. The method includes: accepting terminal equipment receiving transaction amount without establishing a network connection with the digital currency system of a commercial bank; The wireless connection method obtains the transaction amount from the acceptance terminal device, and sends the transaction information to the acceptance terminal device; after the acceptance terminal device establishes a network connection with the digital currency system of the commercial bank, the acceptance terminal device sends the transaction information to the digital currency system of the commercial bank; After receiving the transaction information, the bank digital currency system sends a request to change the owner to the central bank digital currency system; after receiving the request to change the owner, the central bank digital currency system changes the owner of the digital currency to the acceptance terminal device The corresponding merchant code. The present invention can effectively improve the payment experience of consumers in the consumption process under the condition of ensuring payment security.

Description

Translated fromChinese

使用数字货币芯片卡进行离线支付的方法及系统Method and system for offline payment using digital currency chip card

技术领域technical field

本发明涉及计算机网络以及计算机软件技术领域，具体涉及一种使用数字货币芯片卡进行离线支付的方法及系统。The invention relates to the technical field of computer networks and computer software, and in particular to a method and system for offline payment using a digital currency chip card.

背景技术Background technique

数字货币是将现金数值转换为一系列电子加密序列数的货币，币本身的安全性依赖于密码算法来保护。在密码算法方面，数字货币系统安全性涉及到对称密码、非对称密码、报文摘要算法和基于身份的密码体制，在系统实现方面必须深入考虑密码系统的总体安全性、密码算法的选择、密码算法的实现、交互协议的设计、国际、国内标准的兼容性等，保证数字货币的交易安全。Digital currency is a currency that converts cash values into a series of electronically encrypted serial numbers. The security of the currency itself relies on cryptographic algorithms to protect. In terms of cryptographic algorithms, the security of the digital currency system involves symmetric cryptography, asymmetric cryptography, message digest algorithms and identity-based cryptography. The implementation of algorithms, the design of interactive protocols, the compatibility of international and domestic standards, etc., ensure the security of digital currency transactions.

随着移动互联网的发展普及，移动支付产业快速变革推进，基于移动互联网、NFC、HCE、Token、生物识别等各类技术的业务模式不断创新，应用场景不断拓展丰富，线上、线下业务一体化发展加速。移动支付新技术为用户提供多元化便捷支付服务的同时，也引领着通信、金融、互联网等行业转型升级发展。移动支付广阔发展前景已成为全产业的广泛共识，移动支付被认为是连接线上线下的重要切入口。数字货币的交易系统应以移动支付为核心进行业务模式设计。With the development and popularization of the mobile Internet, the rapid transformation of the mobile payment industry, the continuous innovation of business models based on mobile Internet, NFC, HCE, Token, biometrics and other technologies, the continuous expansion of application scenarios, and the integration of online and offline services accelerated development. While new mobile payment technology provides users with diversified and convenient payment services, it also leads the transformation and upgrading of industries such as communications, finance, and the Internet. The broad development prospect of mobile payment has become a broad consensus in the entire industry, and mobile payment is considered to be an important entry point for connecting online and offline. The digital currency transaction system should be designed with mobile payment as the core business model.

在移动支付业务模式下，数字货币的密钥存储载体可由硬件SE模块(安全模块)、HCE以及TEE来提供。硬件SE由于其所提供的安全计算环境受到了金融交易领域的认可，在目前的借贷记卡片、电子现金中得到广泛应用，具有广泛的用户基础、良好的受理环境和使用习惯。随着移动支付技术不断发展，随着移动支付技术不断发展，SE模块形态也发生了很多变化，新的解决方案不断实践。In the mobile payment business mode, the key storage carrier of digital currency can be provided by hardware SE module (security module), HCE and TEE. Hardware SE has been recognized in the field of financial transactions because of the secure computing environment it provides, and is widely used in current debit and credit cards and electronic cash, with a wide user base, good acceptance environment and usage habits. With the continuous development of mobile payment technology and the continuous development of mobile payment technology, many changes have taken place in the form of SE modules, and new solutions are constantly being practiced.

在交易受理终端(POS机)和支付工具(如卡片、手机之间)的数据传输通道上，目前存在多种传输方式：RF射频通信、短信、扫码、声波、光子，多种方式的并存为支付载体间的通信提供了便利。On the data transmission channel between the transaction acceptance terminal (POS machine) and payment tools (such as cards and mobile phones), there are currently multiple transmission methods: RF radio frequency communication, SMS, scanning code, sound waves, photons, and the coexistence of multiple methods. It facilitates the communication between payment carriers.

在认证方式上，可分为基于口令的认证、基于口令+智能卡的认证、基于生物特征(指纹、人脸)的认证。其中口令、生物特征的认证多用于远场支付，智能卡认证多用于近场支付。In terms of authentication methods, it can be divided into password-based authentication, password + smart card-based authentication, and biometrics (fingerprint, face)-based authentication. Among them, the authentication of passwords and biometrics is mostly used for far-field payment, and the authentication of smart card is mostly used for near-field payment.

云计算是未来后台服务器端的主流方向，数字货币的后台系统应采用基于云的解决方案。Cloud computing is the mainstream direction of the back-end server side in the future, and the back-end system of digital currency should adopt cloud-based solutions.

在电子商务活动中，因角色不同，对数字货币的要求也不同：客户要求数字货币使用方便，存储安全且具有匿名性；商家要求数字货币具有可认证性，且能兑换成真实的货币；银行则要求数字货币不能被非法使用和伪造，因此，数字货币E-RMB应具有以下特征：In e-commerce activities, due to different roles, the requirements for digital currency are also different: customers require digital currency to be easy to use, safe to store and have anonymity; merchants require digital currency to be verifiable and convertible into real currency; banks It is required that the digital currency cannot be illegally used and counterfeited. Therefore, the digital currency E-RMB should have the following characteristics:

1.安全性：能防止商务中的任意一方更改或非法使用数字货币；1. Security: It can prevent any party in the business from changing or illegally using digital currency;

2.不可重复花费性：数字货币只能使用一次，重复花费能被容易地检查出来；2. Non-repetitive spending: digital currency can only be used once, and repeated spending can be easily checked;

3.可控匿名性：银行和商家相互勾结也不能跟踪数字货币的使用，要求系统无法将电子现金的用户的购买行为联系到一起，从而隐蔽数字货币用户的购买历史，但数字货币的发行方可跟踪数字货币的使用；3. Controllable anonymity: Banks and merchants cannot track the use of digital currency even if they collude with each other, requiring the system to be unable to link the purchase behavior of users of electronic cash, thereby concealing the purchase history of digital currency users, but the issuer of digital currency can track the use of digital currency;

4.不可伪造性：用户不能伪造假的数字货币；4. Unforgeability: users cannot forge fake digital currency;

5.公平性：支付过程是公平的，保证要么双方交易成功，要么双方都没有损失，防止某一交易方在交易中蒙受损失；5. Fairness: The payment process is fair, ensuring that either the transaction is successful for both parties, or there is no loss for both parties, preventing a transaction party from suffering losses in the transaction;

6.兼容性：D-RMB系统中数字货币的发行流程与流通环节尽可能参照实物货币发行与流通。6. Compatibility: The issuance process and circulation of digital currency in the D-RMB system refer to the issuance and circulation of physical currency as much as possible.

并且对于数字货币而言，应当能够适应于现有货币的各种使用场景，并能够与现有货币自由兑换。And for digital currency, it should be able to adapt to various usage scenarios of existing currencies and be freely convertible with existing currencies.

传统电子支付基于网络支付或联机刷卡支付，虽然这种电子支付方式为广大消费者提供了良好的支付方式，但是对于一些不熟悉操作或者不习惯随身携带银行卡的用户就会不太方便，因此不能很好的契合用户消费的消费习惯。Traditional electronic payment is based on network payment or online card payment. Although this electronic payment method provides a good payment method for consumers, it is not very convenient for some users who are not familiar with operation or who are not used to carrying bank cards with them. It does not fit well with the consumption habits of users.

鉴于上述现有技术存在的问题，亟需一种既可提供类似于纸币的当面付交易，也可提供类似于电子支付系统的网络远程支付交易的更加方便灵活的支付方式。In view of the above-mentioned problems in the prior art, there is an urgent need for a more convenient and flexible payment method that can provide not only a face-to-face payment transaction similar to paper money, but also a network remote payment transaction similar to an electronic payment system.

此外，基于卡、终端设备等进行的移动支付需要满足更多支付场景的需要，例如在离线环境下，交易双方如何实现安全方便地交易，并且如何获得像通过纸币消费一样良好的用户体验，都是当前需要解决的技术问题。In addition, mobile payment based on cards, terminal devices, etc. needs to meet the needs of more payment scenarios. For example, in an offline environment, how to achieve a safe and convenient transaction between both parties, and how to obtain a user experience as good as consumption through banknotes. It is a technical problem that needs to be solved at present.

发明内容SUMMARY OF THE INVENTION

有鉴于此，本发明提出一种使用数字货币芯片卡进行离线支付的方法及系统，以解决现有技术中存在的支付方式相对局限的问题。本发明的其他目的、效果以及有益效果可以从实施方式中得出。In view of this, the present invention proposes a method and system for offline payment using a digital currency chip card to solve the problem of relatively limited payment methods in the prior art. Other objects, effects, and advantageous effects of the present invention can be derived from the embodiments.

本发明的技术方案是提供一种使用数字货币芯片卡进行离线支付的方法，该方法包括：受理终端设备在未与商业银行数字货币系统建立网络连接的情况下，接收交易金额；用户终端设备通过近距离无线连接方式从受理终端设备获取交易金额，并将交易信息发送至受理终端设备，交易信息包括数字货币芯片卡信息以及与交易金额等值的数字货币；受理终端设备与商业银行数字货币系统建立网络连接之后，受理终端设备将交易信息发送至商业银行数字货币系统；商业银行数字货币系统在接收到交易信息后，向中央银行数字货币系统发送变更属主的请求；中央银行数字货币系统在接收到变更属主的请求后，将数字货币的属主变更为受理终端设备对应的商户代码。The technical solution of the present invention is to provide a method for offline payment using a digital currency chip card, the method comprising: receiving a transaction amount by an accepting terminal device without establishing a network connection with the digital currency system of a commercial bank; The short-range wireless connection method obtains the transaction amount from the acceptance terminal equipment, and sends the transaction information to the acceptance terminal equipment. The transaction information includes the digital currency chip card information and the digital currency equivalent to the transaction amount; the acceptance terminal equipment and the commercial bank digital currency system After the network connection is established, the acceptance terminal device sends the transaction information to the digital currency system of the commercial bank; after receiving the transaction information, the digital currency system of the commercial bank sends a request to change the owner to the digital currency system of the central bank; the digital currency system of the central bank is in After receiving the request to change the owner, change the owner of the digital currency to the merchant code corresponding to the acceptance terminal device.

可选地，近距离无线连接方式包括：NFC、红外线或蓝牙。Optionally, the short-range wireless connection method includes: NFC, infrared or Bluetooth.

可选地，受理终端接收付款信息的操作之后，还包括：确认数字货币的属主与数字货币芯片卡相符以及确认交易金额与数字货币的币值相符。Optionally, after the accepting terminal receives the payment information, it further includes: confirming that the owner of the digital currency is consistent with the digital currency chip card and confirming that the transaction amount is consistent with the currency value of the digital currency.

可选地，商业银行数字货币系统向中央银行数字货币系统发送变更属主的请求的操作之前，还包括：确认数字货币的合法性、确认数字货币的属主是数字货币芯片卡、确认交易金额与数字货币的币值相符以及确认商户的账户正常使用。Optionally, before the operation of the commercial bank digital currency system sending a request to change the owner to the central bank digital currency system, the operation further includes: confirming the legitimacy of the digital currency, confirming that the owner of the digital currency is the digital currency chip card, and confirming the transaction amount. It is consistent with the currency value of the digital currency and confirms that the merchant's account is in normal use.

可选地，中央银行数字货币系统将数字货币的属主变更为受理终端设备对应的商户代码的操作之前，还包括：确认数字货币的属主是数字货币芯片卡以及确认交易金额与数字货币的币值相符。Optionally, before the operation of changing the owner of the digital currency to accept the merchant code corresponding to the terminal device, the central bank digital currency system further includes: confirming that the owner of the digital currency is the digital currency chip card and confirming the transaction amount and the digital currency. The currency values match.

可选地，数字货币芯片卡包括以下形态：可视蓝牙IC卡形态、IC卡形态、手机-eSE卡形态、手机-安全SD卡形态、手机-SIM卡形态。Optionally, the digital currency chip card includes the following forms: a visible Bluetooth IC card form, an IC card form, a mobile phone-eSE card form, a mobile phone-secure SD card form, and a mobile phone-SIM card form.

可选地，受理终端设备是POS收款机或手机刷卡器。Optionally, the acceptance terminal device is a POS cash register or a mobile phone card reader.

可选地，变更待支付的数字货币的属主包括：将权属登记信息中数字货币的钱包地址改为受理终端设备对应对应的商户代码。Optionally, changing the owner of the digital currency to be paid includes: changing the wallet address of the digital currency in the ownership registration information to the merchant code corresponding to the accepting terminal device.

可选地，将数字货币的属主变更为受理终端设备对应的商户代码的操作之后，还包括：商业银行数字货币系统向用户终端设备和受理终端设备发送用于表示交易成功的提示信息。Optionally, after the operation of changing the owner of the digital currency to the merchant code corresponding to the accepting terminal device, the operation further includes: the commercial bank digital currency system sending prompt information indicating that the transaction is successful to the user terminal device and the accepting terminal device.

本发明还提供一种使用数字货币芯片卡进行离线支付的系统，该系统包括：用户终端设备、受理终端设备、商业银行数字货币系统以及中央银行数字货币系统，其中，The present invention also provides a system for offline payment using a digital currency chip card. The system includes: user terminal equipment, acceptance terminal equipment, a commercial bank digital currency system and a central bank digital currency system, wherein,

受理终端设备，用于在未与商业银行数字货币系统建立网络连接的情况下，接收交易金额，并且在与商业银行数字货币系统建立连接之后，受理终端设备将交易信息发送至商业银行数字货币系统；The acceptance terminal device is used to receive the transaction amount without establishing a network connection with the commercial bank digital currency system, and after the connection with the commercial bank digital currency system is established, the acceptance terminal device sends the transaction information to the commercial bank digital currency system. ;

用户终端设备，通过近距离无线连接方式从受理终端设备获取交易金额，并将交易信息发送至受理终端设备，交易信息包括数字货币芯片卡信息以及与交易金额等值的数字货币；The user terminal device obtains the transaction amount from the accepting terminal device through a short-range wireless connection, and sends the transaction information to the accepting terminal device. The transaction information includes the digital currency chip card information and the digital currency equivalent to the transaction amount;

商业银行数字货币系统，用于在接收到交易信息后，向中央银行数字货币系统发送变更属主的请求；The commercial bank digital currency system is used to send a request to change the owner to the central bank digital currency system after receiving the transaction information;

中央银行数字货币系统，用于在接收到变更属主的请求后，将数字货币的属主变更为受理终端设备对应的商户代码。The central bank digital currency system is used to change the owner of the digital currency to the merchant code corresponding to the acceptance terminal device after receiving a request to change the owner.

可选地，近距离无线连接方式包括：NFC、红外线或蓝牙。Optionally, the short-range wireless connection method includes: NFC, infrared or Bluetooth.

可选地，受理终端还用于：确认数字货币的属主与数字货币芯片卡相符以及确认交易金额与数字货币的币值相符。Optionally, the accepting terminal is also used to: confirm that the owner of the digital currency is consistent with the digital currency chip card and confirm that the transaction amount is consistent with the currency value of the digital currency.

可选地，商业银行数字货币系统还用于：确认数字货币的合法性、确认数字货币的属主是付款用户、确认交易金额与数字货币的币值相符以及确认商户的账户正常使用。Optionally, the commercial bank digital currency system is also used for: confirming the legality of the digital currency, confirming that the owner of the digital currency is the paying user, confirming that the transaction amount is consistent with the currency value of the digital currency, and confirming that the merchant's account is in normal use.

可选地，中央银行数字货币系统还用于：确认数字货币的属主是数字货币芯片卡以及确认交易金额与数字货币的币值相符。Optionally, the central bank digital currency system is further used for: confirming that the owner of the digital currency is the digital currency chip card and confirming that the transaction amount is consistent with the currency value of the digital currency.

可选地，数字货币芯片卡包括以下形态：可视蓝牙IC卡形态、IC卡形态、手机-eSE卡形态、手机-安全SD卡形态、手机-SIM卡形态。Optionally, the digital currency chip card includes the following forms: a visible Bluetooth IC card form, an IC card form, a mobile phone-eSE card form, a mobile phone-secure SD card form, and a mobile phone-SIM card form.

可选地，受理终端设备是POS收款机或手机刷卡器。Optionally, the acceptance terminal device is a POS cash register or a mobile phone card reader.

可选地，变更待支付的数字货币的属主包括：将权属登记信息中数字货币的钱包地址改为受理终端设备对应对应的商户代码。Optionally, changing the owner of the digital currency to be paid includes: changing the wallet address of the digital currency in the ownership registration information to the merchant code corresponding to the accepting terminal device.

可选地，商业银行数字货币系统还用于：向用户终端设备和受理终端设备发送用于表示交易成功的提示信息。Optionally, the commercial bank digital currency system is further configured to: send prompt information indicating that the transaction is successful to the user terminal device and the acceptance terminal device.

通过本发明提供的数字货币离线支付的方法及系统，由于货币本身的数字化，因此不依赖任何银行账户和单一网络，不仅在保证支付安全的情况下，能够有效提升了消费者在消费过程中的支付体验。Through the method and system for offline payment of digital currency provided by the present invention, due to the digitization of the currency itself, it does not rely on any bank account and a single network, not only under the condition of ensuring payment security, but also can effectively improve consumers' consumption in the process of consumption. payment experience.

附图说明Description of drawings

为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。在附图中：In order to illustrate the technical solutions in the embodiments of the present invention more clearly, the following briefly introduces the accompanying drawings used in the description of the embodiments. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can also be obtained from these drawings without creative effort. In the attached image:

图1是与本发明实施方式有关的预制卡的工作的主要流程的示意图；FIG. 1 is a schematic diagram of the main flow of the work of the prefabricated card related to the embodiment of the present invention;

图2是与本发明实施方式有关的用户注册D-RMB账号的流程的示意图；Fig. 2 is the schematic diagram of the process flow of user registration D-RMB account related to the embodiment of the present invention;

图3是与本发明实施方式有关的D-RMB交易过程的示意图；3 is a schematic diagram of a D-RMB transaction process related to an embodiment of the present invention;

图4是根据本发明实施方式的D-RMB数字货币系统提供在线服务时的整体框架的一种结构的示意图；4 is a schematic diagram of a structure of an overall framework when the D-RMB digital currency system provides online services according to an embodiment of the present invention;

图5是根据本发明实施方式的商业银行数字货币系统包含的计算机系统的示意图；5 is a schematic diagram of a computer system included in a commercial bank digital currency system according to an embodiment of the present invention;

图6是根据本发明实施方式的商业银行数字货币系统与外部系统互联的一种架构的示意图；FIG. 6 is a schematic diagram of an architecture of the interconnection between a commercial bank digital currency system and an external system according to an embodiment of the present invention;

图7是根据本发明实施方式的使用数字货币芯片卡进行离线支付的方法流程图；7 is a flowchart of a method for offline payment using a digital currency chip card according to an embodiment of the present invention;

图8是根据本发明实施方式的使用数字货币芯片卡进行离线支付的系统结构图。FIG. 8 is a system structure diagram of offline payment using a digital currency chip card according to an embodiment of the present invention.

具体实施方式Detailed ways

以下结合附图对本发明的示范性实施方式做出说明，其中包括本发明实施方式的各种细节以助于理解，应当将它们认为仅仅是示范性的。因此，本领域普通技术人员应当认识到，可以对这里描述的实施方式做出各种改变和修改，而不会背离本发明的范围和精神。同样，为了清楚和简明，以下的描述中省略了对公知功能和结构的描述。Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding and should be considered as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted from the following description for clarity and conciseness.

本发明实施方式中，描述基于密码数学的数字货币(以下简称作D-RMB)设计方案，主要运营模式是中央银行与各商业银行一起分级建设D-RMB系统。这里的中央银行是货币的发行机构，例如中国人民银行。在以下的描述中，中央银行有时简称为“央行”，类似地，商业银行有时简称为“商行”。另将数字货币表示为“D_币”。In the embodiment of the present invention, the design scheme of digital currency (hereinafter referred to as D-RMB) based on cryptographic mathematics is described. The central bank here is the issuer of the currency, such as the People's Bank of China. In the following description, central banks are sometimes referred to simply as "central banks", and similarly, commercial banks are sometimes referred to simply as "commercial banks". In addition, the digital currency is represented as "D_currency ".

D-RMB系统是基于D_币交易的资金转移系统，它由中央银行与各商业银行一起联合运营。D-RMB系统包括运行于特定数字中心的核心服务器上的D_币发行、客户登录、客户账户管理、交易管理、欺诈检测、核心业务模块，也包括用户端的手机、笔记本电脑等需要与核心服务器交互的终端客户程序，同时，它还包括D_币资金转移系统运行所依托的全国范围内的包括互联网、移动通信网这样一个开放形式的电子通信网络。在论述D-RMB系统之前，明确：The D-RMB system is a fund transfer system based on D_currency transactions, which is jointly operated by the central bank and commercial banks. The D-RMB system includes D_coin issuance, customer login, customer account management, transaction management, fraud detection, and core business modules running on the core server of a specific digital center, as well as mobile phones and laptops on the client side that need to interact with the core server. At the same time, it also includes an open form of electronic communication network including the Internet and mobile communication network throughout the country on which the D_coin fund transfer system operates. Before discussing the D-RMB system, make it clear:

1.与现有实物货币流通的兼容。D-RMB系统中数字货币的发行流程与流通环节尽可能参照实物货币发行与流通，D-RMB体系中数字货币存放历经三个环节，一是央行的数字货币发行库(即数字货币基金)；二是商业银行的银行库，即商业银行的库存数字现金；三是用户端的客户应用程序，即电子钱包中。在这不同环节过程中，D-RMB的登记中心会完成相关的登记操作。1. Compatibility with existing physical currency circulation. The issuance process and circulation of digital currency in the D-RMB system refer to the issuance and circulation of physical currency as much as possible. The storage of digital currency in the D-RMB system goes through three links. One is the central bank's digital currency issuance library (ie, digital currency fund); The second is the bank vault of the commercial bank, that is, the digital cash in stock of the commercial bank; the third is the client application on the client side, that is, the electronic wallet. In the process of these different links, the registration center of D-RMB will complete the relevant registration operations.

2.D-RMB数字货币不用盲签名。在使用过程中有限度地匿名保护。2. D-RMB digital currency does not require blind signatures. Limited anonymity protection during use.

3.D-RMB数字货币可以依托不同网络流通，以电子数字形式可能存在手机、IC卡芯片、笔记本电脑等等各种电子设备终端中，本文主要以手机和IC卡为载体存放D-RMB数字货币来进行讨论示例，但并不意味它只能以手机和IC卡为载体。3. D-RMB digital currency can be circulated on different networks, and may exist in various electronic equipment terminals such as mobile phones, IC card chips, notebook computers, etc. in electronic digital form. This article mainly uses mobile phones and IC cards as carriers to store D-RMB digital currency. Currency is used to discuss examples, but it does not mean that it can only be carried by mobile phones and IC cards.

4.D-RMB系统设计的支付模式是依靠D-RMB数字货币的转移(即：D_币交易)实现。4. The payment mode designed by the D-RMB system relies on the transfer of D-RMB digital currency (ie: D_currency transaction).

5.D-RMB系统要服从我国现金管理的相关制度要求。具体要求由业务部门需求决定。5. The D-RMB system must obey the relevant system requirements of my country's cash management. The specific requirements are determined by the needs of the business unit.

6.为避免与现有的记账支付体系同质化竞争，D-RMB系统可设计为限定额度支付。6. In order to avoid homogeneous competition with the existing bookkeeping payment system, the D-RMB system can be designed to pay with a limited amount.

为方便后续的描述，对以下符号约定：For the convenience of subsequent descriptions, the following notation conventions are made:

Enc：加密，这里指用户从IBC中心下载私钥后，以自己的私钥对发出信息进行签名并用对方的公钥进行加密。Enc: Encryption, here means that after the user downloads the private key from the IBC center, he signs the sent information with his own private key and encrypts it with the other party's public key.

Dec：解密，这里特指用户以自己的私钥进行来文的解密，并以对方手机号作为对应公钥(或直接公钥)，对用户发送的信息进行签名确认。Dec: Decryption, here specifically means that the user decrypts the communication with his own private key, and uses the mobile phone number of the other party as the corresponding public key (or direct public key) to sign and confirm the information sent by the user.

D_银行：指银行在央行中心系统开设的准备金账户，作记账用。_Bank D: refers to the reserve account opened by the bank in the central system of the central bank for bookkeeping.

D_币：指央行按自己的加密机制生成的D-RMB数字货币，是一串字符，代表一定金额人民币。D_currency : refers to the D-RMB digital currency generated by the central bank according to its own encryption mechanism, which is a string of characters representing a certain amount of RMB.

D_币100：指央行按自己的加密机制生成的D-RMB数字货币，是一串数字，代表100元人民币，依次类推，下标数字代表实际人民币数额。D_{Coin 100} : Refers to the D-RMB digital currency generated by the central bank according to its own encryption mechanism. It is a string of numbers representing 100 yuan, and so on.

B_账号：用户所在开户行的银行账号。_Account B: The bank account number of the bank where the user's account is opened.

H(M)：对M进行哈希运算得到的值，M可以是手机号、机构代码或一串字符、数字等。H(M): The value obtained by hashing M, M can be a mobile phone number, an organization code, or a string of characters, numbers, etc.

D-RMB作为数字货币，由中国人民银行作为法定货币来设立并发行进入流通，由中国人民银行作为最终贷方提供担保，参与全国标准架构内的兑、汇与消费。它是一串代码，具有与实际流通中的“面值”一样的币值意义。D-RMB数字货币模拟纸质货币在央行的发行和管理流程，在D-RMB发行库中按央行的本次数字货币发行量一次性生成数字货币。As a digital currency, D-RMB is established and issued into circulation by the People's Bank of China as legal tender. The People's Bank of China is the ultimate lender to provide guarantees and participate in exchange, exchange and consumption within the national standard framework. It is a string of codes that has the same monetary meaning as the "face value" in actual circulation. D-RMB digital currency simulates the issuance and management process of paper currency in the central bank, and digital currency is generated at one time in the D-RMB issuance library according to the central bank's current digital currency issuance.

在D-RMB系统设计中，D_币可以按最小单位面额产生，也可以根据用户具体提款金额来产生，也能按流通中实物货币面额产生，具体按哪种方式可通过系统参数在初始过程中设置。为贴近现实，后续以流通中固定面额为例来进行阐述。In the design of the D-RMB system, D_coins can be generated according to the minimum unit denomination, or according to the specific withdrawal amount of the user, or according to the denomination of the physical currency in circulation. The specific method can be determined by the system parameters in the initial process. in the settings. In order to be close to reality, the following will be explained by taking the fixed denomination in circulation as an example.

发行库中的D-RMB完全模拟流通中的面值，“印制”产生数字代表的“壹圆、伍圆、拾圆、贰拾圆、伍拾圆、壹佰圆”等，一个加密文本代表一个面值的D-RMB数字货币。The D-RMB in the distribution library completely simulates the face value in circulation, and "printing" produces digital representations of "one yuan, five yuan, ten yuan, two ten yuan, five ten yuan, one hundred yuan", etc., an encrypted text representation A face value of D-RMB digital currency.

按固定面值产生D-RMB，如按第五套生产代表D-RMB(则需生产：D_币1、D_币5、D_币10、D_币20、D_币50、D_币100)则：D-RMB is generated according to a fixed face value. For example, D-RMB is represented by the fifth set of production (then need to produce: D_{coin 1} , D_{coin 5} , D_{coin 10} , D_{coin 20} , D_{coin 50} , D_{coin 100} ):

步骤1：由主密码与数字1、5、10、20、50和100分别产生六个基本加密密码。Step 1: Generate six basic encrypted passwords from the master password and the numbers 1, 5, 10, 20, 50, and 100, respectively.

步骤2：由哈希算法产生系统随机数。随机数可以理解为冠字号码。Step 2: Generate system random numbers by hash algorithm. A random number can be understood as a crown number.

步骤3：由代表不同币值的基本加密密码与随机数加密，生成加密密码。Step 3: Encrypt with basic encryption passwords representing different currency values and random numbers to generate encrypted passwords.

步骤4：由央行私钥对加密密码进行签名，代表新币产生。假如提款人要提代表100元人民币的D_币100，则在实际提款过程中，可由代表100元的唯一随机数字与对应基本加密密码加密生成加密密文m，再由央行私钥对m进行签名。Step 4: The encrypted password is signed by the central bank's private key, representing the generation of new coins. If the withdrawer wants to withdraw 100 D_coins representing 100 yuan, in the actual withdrawal process, the encrypted ciphertext m can be generated by encrypting the unique random number representing 100 yuan and the corresponding basic encryption password, and then the central bank private key pair m. to sign.

在D-RMB体系中，有央行的数字货币发行库、商业银行的数字货币银行库和用户端(如手机)的电子钱包。数字货币转移的基本内容包括：In the D-RMB system, there are the central bank's digital currency issuance library, the commercial bank's digital currency bank library, and the electronic wallet of the client (such as mobile phone). The basic contents of digital currency transfer include:

(1)根据数字货币发行总量，央行统一生成数字货币(即生产数字货币基金)，存放在央行发行库中。(1) According to the total amount of digital currency issued, the central bank uniformly generates digital currency (that is, the production of digital currency funds) and stores it in the central bank's issuance library.

(2)根据商业银行数字货币的需求申请，将数字货币发送到相应商业银行存放数字货币的数据库，即数字货币从发行库到银行库。(2) According to the application for digital currency of commercial banks, the digital currency is sent to the database of the corresponding commercial bank where the digital currency is stored, that is, the digital currency is transferred from the issuing library to the bank treasury.

如某次根据货币发行总量，央行发行10亿D-RMB，这些D-RMB发行后被放在央行的发行库中。后来根据某银行的申请从这10亿D-RMB中提走其中2亿，这些被提走的2亿D-RMB被存放在该银行的银行库中(该银行在央行的存款准备金账户记账为减少2亿，同时，2个亿的D-RMB存放在该商业银行的银行库，其记账操作等同现有实物货币的支取)，在登记中心，这些数字货币对应的属主由央行改为商业银行，并记录相应操作流水等信息。For example, according to the total amount of currency issuance, the central bank issued 1 billion D-RMB, and these D-RMBs were placed in the central bank's issuance library after issuance. Later, according to a bank's application, 200 million of the 1 billion D-RMB was withdrawn, and the withdrawn 200 million D-RMB was deposited in the bank's treasury (the bank's deposit reserve account in the central bank is recorded in the central bank's deposit reserve account). The account is reduced by 200 million. At the same time, 200 million D-RMB is stored in the bank vault of the commercial bank, and its bookkeeping operation is equivalent to the withdrawal of the existing physical currency). In the registration center, the corresponding owners of these digital currencies are determined by the central bank. Change it to a commercial bank, and record the corresponding operation flow and other information.

(3)用户申请提取数字货币时，数字货币从银行库到流通环节，进入用户客户端的存储介质中(如手机内)，即从银行库到用户的电子钱包。在登记中心，这些数字货币对应的属主由商业银行改为用户，并记录相应操作流水等信息。(3) When the user applies to withdraw digital currency, the digital currency goes from the bank vault to the circulation link, and enters the storage medium of the user client (such as in the mobile phone), that is, from the bank vault to the user's electronic wallet. In the registration center, the corresponding owners of these digital currencies are changed from commercial banks to users, and information such as the corresponding operation flow is recorded.

(4)在流通环节，数字货币实质是在两个用户各自电子钱包间进行转移来完成支付，此时支付分为在线交易和离线交易，具体业务流程在后文进行详细分析。在登记中心，这些数字货币对应的属主由用户1改为用户2，并记录相应操作流水等信息。(4) In the circulation process, the essence of digital currency is to transfer between the two users' respective electronic wallets to complete the payment. At this time, the payment is divided into online transactions and offline transactions. The specific business process will be analyzed in detail later. In the registration center, the corresponding owner of these digital currencies is changed from user 1 to user 2, and information such as the corresponding operation flow is recorded.

在以上数字货币转移过程中，D-RMB系统的登记中心需验证交易数字货币的合法性，记录交易流水并更正对应数字货币新的属主，以及登记其它所需信息(具体由业务需求决定)。During the above digital currency transfer process, the registration center of the D-RMB system needs to verify the legitimacy of the transaction digital currency, record the transaction flow and correct the new owner of the corresponding digital currency, and register other required information (specifically determined by business needs) .

如果是以IC卡为载体，还存在预制卡的工作，预制卡的工作中，中央银行数字货币系统和商业银行数字货币系统对包含有存储介质的D-RMB芯片卡进行一系列操作，主要有：中央银行数字货币系统按预先指定的内容生成D-RMB芯片卡的个性化数据；商业银行数字货币系统将申请D-RMB芯片卡的用户的个人信息写入该D-RMB芯片卡；商业银行数字货币系统以用户IBC公钥向认证系统申请IBC私钥，用户IBC公钥是D-RMB芯片卡的标识或者所述用户的标识。以上操作中涉及的主要流程如图1所示，图1是与本发明实施方式有关的预制卡的工作的主要流程的示意图。If the IC card is used as the carrier, there is still the work of prefabricated cards. In the work of prefabricated cards, the central bank digital currency system and the commercial bank digital currency system perform a series of operations on the D-RMB chip card containing the storage medium, mainly including: : The central bank digital currency system generates the personalized data of the D-RMB chip card according to the pre-specified content; the commercial bank digital currency system writes the personal information of the user who applies for the D-RMB chip card into the D-RMB chip card; the commercial bank The digital currency system applies the user's IBC public key to the authentication system for the IBC private key, and the user's IBC public key is the identity of the D-RMB chip card or the identity of the user. The main flow involved in the above operation is shown in FIG. 1 , which is a schematic diagram of the main flow of the prefabricated card operation related to the embodiment of the present invention.

卡基作为D_币的安全载体，在D_币流通的各个环节对于保证D_币的安全性有一定加强作用(独立的物理载体IC卡也简称为“D-RMB芯片卡”)。As the security carrier of D_coin , the card base has a certain strengthening effect on ensuring the security of D_coin in all aspects of D_coin circulation (independent physical carrier IC card is also referred to as "D-RMB chip card").

(1)D-RMB芯片卡的生产(1) Production of D-RMB chip card

D-RMB芯片卡的生产必须由经过中央银行认证的，具有生产资质的企业生产，对于其生产制造的数量以及质量由中央银行(或中央银行授权的其他部门)严格把控。企业资质认证流程包括：提交申请、材料审核、样卡检测、现场测评、授权资质等环节。The production of D-RMB chip cards must be produced by enterprises certified by the central bank with production qualifications, and the quantity and quality of their production are strictly controlled by the central bank (or other departments authorized by the central bank). The enterprise qualification certification process includes: application submission, material review, sample card testing, on-site evaluation, authorization qualification and other links.

(2)D-RMB芯片卡的个性化(2) Personalization of D-RMB chip card

D-RMB芯片卡内个性化数据由中央银行生成，并授权相关部门建立个人化中心，对新生产的D-RMB芯片卡进行个性化操作。The personalized data in the D-RMB chip card is generated by the central bank, and the relevant departments are authorized to establish a personalization center to carry out personalized operations on the newly produced D-RMB chip card.

(3)D-RMB芯片卡的发行(3) Issuance of D-RMB chip card

系统可支持实名制发卡和匿名发卡。The system can support real-name card issuance and anonymous card issuance.

实名制发卡：D-RMB芯片卡由用户个人申请，实名制发卡，由中央银行授权商业银行代为发行，商业银行对用户进行实名审核，并登记相关资料，审核通过后，对中央银行的D-RMB芯片卡进行二次发卡，把用户的个人信息写到D-RMB芯片卡内。Real-name system card issuance: D-RMB chip card is applied by the user personally, real-name system card is issued, and the central bank authorizes the commercial bank to issue it on behalf of the commercial bank. The card is issued a second time, and the user's personal information is written into the D-RMB chip card.

匿名发卡：用户直接向商业银行申领D-RMB芯片卡，商业银行可根据实际情况选择是否验证申请人身份信息。Anonymous card issuance: Users can directly apply for a D-RMB chip card from a commercial bank, and the commercial bank can choose whether to verify the applicant's identity information according to the actual situation.

商业银行根据实际情况选择使用D-RMB芯片卡的唯一标识号或用户手机号作为用户IBC公钥，进而向IBC认证中心申请私钥。The commercial bank chooses to use the unique identification number of the D-RMB chip card or the user's mobile phone number as the user's IBC public key according to the actual situation, and then applies to the IBC certification center for the private key.

D-RMB系统支持以计算机设备、手机、POS、ATM以及Web等方式作为载体，选择线上或线下交易，本文示例中将主要以手机作为载体为例进行说明。The D-RMB system supports the choice of online or offline transactions using computer equipment, mobile phones, POS, ATM, and the Web as carriers.

关于手机终端，各种数字密码、图形密码等解锁设置和开机密码能有效保护手机上个人信息的安全。随着智能手机时代的到来，各类基于生物特征的指纹手机已进入普通消费群，它可以针对不同应用、不同特定信息采取不同指纹加密，这些新技术的应用可有效保证手机上数字货币、相关交易信息的存放安全。With regard to mobile phone terminals, various digital passwords, graphic passwords and other unlocking settings and power-on passwords can effectively protect the security of personal information on the mobile phone. With the advent of the era of smart phones, all kinds of fingerprint mobile phones based on biometric features have entered the general consumer group. It can adopt different fingerprint encryption for different applications and different specific information. The application of these new technologies can effectively ensure the digital currency on mobile phones, related Safe storage of transaction information.

为确保数字货币在手机间的转移安全，D-RMB体系需引入安全认证体系。中央银行与金融机构间利用现有的CA认证中心，社会用户(包括个人和企业)可利用IBC(Identity-Based Cryptograph)认证中心进行身份认证。In order to ensure the safe transfer of digital currency between mobile phones, the D-RMB system needs to introduce a security certification system. The existing CA certification center is used between the central bank and financial institutions, and social users (including individuals and enterprises) can use the IBC (Identity-Based Cryptograph) certification center for identity authentication.

对于在IBC、PKI中产生的私钥和央行公钥，需可靠安全地存放在手机的安全专属区域SE区(Secure Element)，SE区可由硬件(手机换卡)或由主机模拟卡技术HCE(HostCard Emulation)来实现。如果用户采取换卡来保护密钥，则在换卡申请过程中下载密钥到手机SE区。The private key and central bank public key generated in IBC and PKI need to be reliably and safely stored in the secure exclusive area SE area (Secure Element) of the mobile phone. HostCard Emulation) to achieve. If the user chooses to change the card to protect the key, download the key to the SE area of the mobile phone during the card change application process.

在认证体系建设过程中，可按照传统的PKI认证体系来设计，统一建立PKI体系，由CA提供强数字签名，也可以按IBC设计，以用户手机号作为公钥来管理，特别是针对微小额度的离线支付，似乎更为便捷。下文所有业务介绍将以IBC认证来进行说明。图2是与本发明实施方式有关的用户注册D-RMB账号的流程的示意图，图3是与本发明实施方式有关的D-RMB交易过程的示意图。During the construction of the certification system, it can be designed according to the traditional PKI certification system, and the PKI system can be established uniformly, and the strong digital signature can be provided by the CA. It can also be designed according to the IBC and managed by the user's mobile phone number as the public key, especially for small quotas. Offline payment seems to be more convenient. All business descriptions below will be explained with IBC certification. FIG. 2 is a schematic diagram of a process of a user registering a D-RMB account related to an embodiment of the present invention, and FIG. 3 is a schematic diagram of a D-RMB transaction process related to an embodiment of the present invention.

在进行用户注册时，主要有以下流程：中央银行数字货币系统在接收到用户使用的终端设备发来的身份证明信息后，向该终端设备发送适用于该终端设备的应用软件；中央银行数字货币系统向运行所述应用软件的所述终端设备发送IBC公钥和IBC私钥，然后与该终端设备进行身份认证会话以及会话密钥协商；中央银行数字货币系统接收运行所述应用软件的所述终端设备发来的用户账号，然后向该终端设备发送用户密码。During user registration, there are mainly the following processes: after receiving the identity certification information from the terminal device used by the user, the central bank digital currency system sends the terminal device the application software suitable for the terminal device; the central bank digital currency The system sends the IBC public key and IBC private key to the terminal device running the application software, and then conducts an identity authentication session and session key negotiation with the terminal device; the central bank digital currency system receives the IBC running the application software. The user account sent by the terminal device, and then the user password is sent to the terminal device.

以用户1向用户2在线支付50元的数字货币D_币50为例，来说明交易过程中涉及D_币50转移时的安全协议。用户1登录自己的手机APP应用程序，完成与D-RMB系统的双方身份认证，并以SSL方式协商会话密钥后，执行交易协议。以手机号作为IBC公钥为例，在用户1手机客户端：手机客户端自动选取50元的数字货币D_币50，根据交易规则组织相关信息M‖m，其中M可以设计为：M＝交易代码‖手机号1‖D_币50‖支付金额‖手机号2，对信息段哈希运算得消息H(M)，以手机号1对应的私钥对H(M)进行签名得m，以加密方式发送M‖m到D-RMB系统。Taking user 1 to pay user 2 the digital currency D_{coin 50} of 50 yuan online as an example, to illustrate the security protocol when the transfer of D_{coin 50} is involved in the transaction process. User 1 logs in to his mobile APP, completes the two-party identity authentication with the D-RMB system, and negotiates the session key in SSL mode, and then executes the transaction protocol. Taking the mobile phone number as the IBC public key as an example, in the mobile client of User 1: the mobile client automatically selects 50 yuan of digital currency D_{coin 50} , and organizes the relevant information M‖m according to the transaction rules, where M can be designed as: M = transaction Code ‖mobile phone number 1‖ D_{coins 50} ‖payment amount‖ mobile phone number 2, hash the information segment to get the message H(M), sign H(M) with the private key corresponding to the mobile phone number 1 to get m, to encrypt way to send M‖m to the D-RMB system.

D-RMB系统端：按协议解密报文得M‖m，验证报文有效性，即以公钥即手机号1验证m与H(M)，防止报文在传输过程中被篡改；验证D_币50是否合法，解读交易规则及相关信息，执行相应操作，主要包括业务验证后登记中心变更D_币50属主，由绑定的手机号1改为手机号2，并记录相应流水。发送D_币50给手机2，并向双方提示交易成功。D-RMB system side: decrypt the message according to the protocol to obtain M‖m, and verify the validity of the message, that is, verify m and H(M) with the public key, namely the mobile phone number 1, to prevent the message from being tampered with during the transmission process; verify D Whether the_{coin 50} is legal, interpret the transaction rules and related information, and perform the corresponding operations, mainly including the registration center changing the owner of the D_{coin 50} after the business verification, from the bound mobile phone number 1 to the mobile phone number 2, and recording the corresponding flow. Send D_{coins 50} to mobile phone 2, and notify both parties that the transaction is successful.

为进一步增强匿名性，登记中心权属对应手机号可改为手机号的哈希(即借鉴比特币钱包地址，由公钥哈希组成)，具体描述如下：In order to further enhance the anonymity, the mobile phone number corresponding to the ownership of the registration center can be changed to the hash of the mobile phone number (that is, borrowed from the Bitcoin wallet address, which is composed of the hash of the public key), and the specific description is as follows:

客户端组织报文不变，在用户1手机客户端：自动选取50元的数字货币D_币50，根据交易规则组织相关信息M‖m，其中M可以设计为M＝交易代码‖手机号1‖D_币50‖支付金额‖手机号2，对信息段哈希运算得消息H(M)，以手机号1对应的私钥对H(M)进行签名得m，以加密方式发送M‖m到D-RMB系统。The client organization message remains unchanged. On the user 1 mobile phone client: automatically select the 50 yuan digital currency D_{coin 50} , and organize the relevant information M‖m according to the transaction rules, where M can be designed as M = transaction code‖ mobile phone number 1‖ D_{coin 50} ‖payment amount‖ mobile phone number 2, hash the information segment to get the message H(M), sign H(M) with the private key corresponding to the mobile phone number 1 to get m, and send M‖m in an encrypted way to D-RMB system.

D-RMB系统端：按协议解密报文得M‖m，验证报文有效性，即以公钥即手机号1验证m与H(M)，防止报文在传输过程中被篡改；验证D_币50是否合法，解读交易规则及相关信息，执行相应操作，主要包括业务验证后登记中心变更D_币50属主，由绑定的H(手机号1)改为H(手机号2)，并记录相应流水。发送D_币50给手机2，并向双方提示交易成功。D-RMB system side: decrypt the message according to the protocol to obtain M‖m, and verify the validity of the message, that is, verify m and H(M) with the public key, namely the mobile phone number 1, to prevent the message from being tampered with during the transmission process; verify D Whether the_{coin 50} is legal, interpret the transaction rules and related information, and perform corresponding operations, mainly including the registration center changing the owner of D_{coin 50} after business verification, from the bound H (mobile phone number 1) to H (mobile phone number 2), and Record the corresponding flow. Send D_{coins 50} to mobile phone 2, and notify both parties that the transaction is successful.

关于系统便捷性设计，在本发明实施方式中，交易的界面和入口有多种。在场景举例过程中，仅以一个入口来举例，如注册用户在商业银行办理业务，即可由用户拿手机先直接登录D-RMB系统，也可由商业银行登录D-RMB系统。Regarding the system convenience design, in the embodiment of the present invention, there are various interfaces and entrances for transactions. In the scenario example process, only one entry is used as an example. For example, if a registered user handles business in a commercial bank, the user can directly log in to the D-RMB system with a mobile phone, or the commercial bank can log in to the D-RMB system.

关于账户密码问题，可以根据业务需要来灵活设计是否需要用户输入账户密码。基于D-RMB系统是小额支付系统，建议可以考虑由用户自由选择是否设置密码。在本发明实施方式的说明中，按不留密码来描述，但在实现中，可以根据实际情况而定。Regarding the account password, you can flexibly design whether the user is required to enter the account password according to business needs. Based on the D-RMB system is a small payment system, it is suggested that users can freely choose whether to set a password. In the description of the embodiment of the present invention, it is described as not leaving a password, but in implementation, it can be determined according to the actual situation.

关于客户端应用程序问题，用户可以下载相应的客户端应用程序在自己对应的终端上(此类终端软件相当于“钱包”工具)，如手机用户可以下载D-RMB手机终端程序(也可称为手机APP)。终端程序可以设计包含以下功能：一是D_币管理功能。(1)终端程序可以自动统计所有D_币金额；(2)可以根据用户输入的金额数自动找到“钱包”内的D_币组合，并在支付过程中自动选定已匹配好的D_币进行交易；(3)交易完成后，自动将参与支出的D_币进行删除；(4)能自动区别标识“钱包”内未经央行在线校验的数字货币和已校验已登记数字货币。二是完成业务需要的功能，如在线的注册申请、提取、支付、兑现、离线的支付请求等业务功能，以及在交易过程中自动完成公钥加密、私钥签名等等操作。Regarding the client application program, users can download the corresponding client application program on their corresponding terminal (such terminal software is equivalent to a "wallet" tool), for example, mobile phone users can download the D-RMB mobile phone terminal program (also called for mobile APP). The terminal program can be designed to include the following functions: First, the D_coin management function. (1) The terminal program can automatically count the amount of all D_coins ; (2) It can automatically find the combination of D_coins in the "wallet" according to the amount entered by the user, and automatically select the matched D_coins for transactions during the payment process. ; (3) After the transaction is completed, the D_coins participating in the expenditure are automatically deleted; (4) The digital currency in the "wallet" that has not been verified online by the central bank and the digital currency that has been verified and registered can be automatically distinguished. The second is to complete the functions required by the business, such as online registration application, withdrawal, payment, cashing, offline payment request and other business functions, as well as automatic completion of public key encryption, private key signature and other operations during the transaction process.

总的说来，D-RMB体系的核心要素为一种币、两类库、三个中心：In general, the core elements of the D-RMB system are one currency, two types of libraries, and three centers:

一种币，即“D-RMB”，也称之为D_币，特指一串由央行签名的代表具体金额的加密数字串。A coin, namely "D-RMB", also known as D_coin , specifically refers to a string of encrypted numbers signed by the central bank representing a specific amount.

两类库：分别是D-RMB的发行库和银行库。数字货币在发行库中即表现为央行的数字货币基金；数字货币在银行库中即表现为商业银行的库存数字现金。There are two types of libraries: D-RMB's distribution library and bank library. The digital currency appears as the central bank's digital currency fund in the issuance library; the digital currency appears as the commercial bank's inventory digital cash in the bank treasury.

三个中心：一是登记中心(包括货币产生、流通、清点核对及消亡全过程记录)；另外两个是认证中心，即CA认证中心(基于PKI体系，对机构和用户证书进行集中管理，如CFCA)和IBC认证中心，即基于标识的密码技术建立的认证中心(Identity-BasedCryptograph)。在登记中心可设计两张表，一为数字货币权属登记表，记录数字货币的归属，另一张为交易流水表。Three centers: one is the registration center (including the whole process record of currency generation, circulation, check and demise); the other two are the certification center, namely the CA certification center (based on the PKI system, centralized management of institutional and user certificates, such as CFCA) and IBC certification center, that is, the certification center (Identity-BasedCryptograph) established based on identity-based cryptography. Two forms can be designed in the registration center, one is the digital currency ownership registration form, which records the ownership of the digital currency, and the other is the transaction flow table.

本发明实施方式中的基于身份的密码体制IBC可以直接以用户的身份标识作为公钥，公钥的认证不再依托于证书，简化了密钥的使用与管理，具有无目录、使用方便、易于维护等优点。The identity-based cryptosystem IBC in the embodiment of the present invention can directly use the user's identity as the public key, and the authentication of the public key no longer relies on the certificate, which simplifies the use and management of the key, and has the advantages of no directory, convenient use, and easy access. maintenance, etc.

对于身份标识，个人用户可以采用手机号，也可以采用与手机匹配的E-mail地址或其他经过变换的字符串，这样方便客户本人记忆，其他人无从知道)，以便达到可控匿名目的。企业用户可以采用组织机构代码，也可采用自定义的代码来作为IBC中心的身份标识，以此作为公钥，下面的举例中仅以手机号为例方便阐述。For identity identification, individual users can use mobile phone numbers, or E-mail addresses or other transformed strings that match their mobile phones, so that it is convenient for the customer to remember, and others have no way of knowing), so as to achieve the purpose of controllable anonymity. Enterprise users can use the organization code or a self-defined code as the ID of the IBC center, which is used as the public key. In the following example, only the mobile phone number is used as an example for convenience.

D-RMB系统是一种分级式的体系，即由中央银行与各商业银行共建，中央银行数字货币系统是由中央银行或中央银行指定机构运行维护的用来处理关于数字货币的信息的计算机系统，其主要功能包括负责数字货币的发行与验证监测，商业银行是由商业银行或商业银行指定机构运行维护的用来处理关于数字货币的信息的计算机系统，其执行现有银行的有关货币的各种功能，即银行功能，主要包括从中央银行申请到数字货币后，负责直接面向社会，满足提供数字货币流通服务的各项需求。The D-RMB system is a hierarchical system, that is, it is jointly built by the central bank and various commercial banks. The central bank digital currency system is a computer operated and maintained by the central bank or a central bank-designated institution to process information about digital currency. The main functions of the system include being responsible for the issuance and verification monitoring of digital currency. A commercial bank is a computer system operated and maintained by a commercial bank or a designated institution of a commercial bank to process information about digital currency. Various functions, namely banking functions, mainly include, after applying for digital currency from the central bank, it is responsible for directly facing the society and meeting the needs of providing digital currency circulation services.

在根据本发明实施方式的数字货币系统的基本结构中，数字货币系统主要包括中央银行数字货币系统、商业银行数字货币系统(在实际中可以是多个商业银行数字货币系统)、以及认证系统。其中，中央银行数字货币系统用于产生和发行数字货币，以及对数字货币进行权属登记；商业银行数字货币系统用于针对数字货币执行银行功能；认证系统用于对中央银行数字货币系统和数字货币的用户所使用的终端设备之间的交互提供认证，以及对中央银行数字货币系统和商业银行数字货币系统之间的交互提供认证。In the basic structure of the digital currency system according to the embodiment of the present invention, the digital currency system mainly includes a central bank digital currency system, a commercial bank digital currency system (in practice, there may be multiple commercial bank digital currency systems), and an authentication system. Among them, the central bank digital currency system is used to generate and issue digital currency, and to register the ownership of digital currency; the commercial bank digital currency system is used to perform banking functions for digital currency; the authentication system is used to verify the central bank digital currency system and digital currency. Authentication is provided for interactions between terminal devices used by users of the currency, as well as for interactions between central bank digital currency systems and commercial bank digital currency systems.

图4是根据本发明实施方式的D-RMB数字货币系统提供在线服务时的整体框架的一种结构的示意图。FIG. 4 is a schematic diagram of a structure of an overall framework when the D-RMB digital currency system provides online services according to an embodiment of the present invention.

图4所示的整体框架中，D-RMB数字货币运转的核心为商业银行数字货币系统，央行D-RMB系统与商行D-RMB系统相连，负责进行交易确认。商行D-RMB系统和央行D-RMB系统都可以充分利用先进的云技术进行分散部署，同时商行D-RMB系统与其内部系统互联互通。In the overall framework shown in Figure 4, the core of the D-RMB digital currency operation is the commercial bank digital currency system. The central bank's D-RMB system is connected to the commercial bank's D-RMB system and is responsible for transaction confirmation. Both the commercial bank D-RMB system and the central bank D-RMB system can make full use of advanced cloud technology for decentralized deployment, and the commercial bank D-RMB system is interconnected with its internal systems.

从图4可以看出，商业银行数字货币系统处于核心位置与其他网络或系统相连，可应用“云计算”技术构建。D-RMB数字货币系统支持各种不同协议的网络数据，如:虚拟专用网VPN、专线、卫星网络、公共交换电话网(PSTN)、全球移动通信系统(GSM)、公共陆地移动网(PLMN)，各不同网络均可实现与中心服务器直接或者间接连接。As can be seen from Figure 4, the digital currency system of commercial banks is connected to other networks or systems at the core position, and can be constructed using "cloud computing" technology. D-RMB digital currency system supports network data of various protocols, such as: virtual private network VPN, dedicated line, satellite network, public switched telephone network (PSTN), global system for mobile communications (GSM), public land mobile network (PLMN) , each different network can realize direct or indirect connection with the central server.

商行数字货币系统与央行登记中心相连，同样具备四个基本功能模块：自动跟踪账户拥有多少D-RMB数字货币的电子钱包功能模块、自动跟踪各方之间的D-RMB数字货币转移并识别可疑交易的监督功能模块、电子银行服务功能及客户关系管理CRM功能模块。The digital currency system of the commercial bank is connected to the central bank registration center, and also has four basic functional modules: an electronic wallet function module that automatically tracks how much D-RMB digital currency an account has, automatically tracks the D-RMB digital currency transfer between parties and identifies suspicious Transaction supervision function module, electronic banking service function and customer relationship management CRM function module.

商业银行数字货币系统中的服务器的逻辑布局采用三层架构的方式：即表示层，也就是前端应用系统200；后端应用系统202，也叫会话层、应用层，或交易逻辑层；后台数据库204为数据层。其对应的物理机器部署框图如图5所示，图5是根据本发明实施方式的商业银行数字货币系统包含的计算机系统的示意图。The logical layout of the server in the commercial bank digital currency system adopts a three-layer structure: the presentation layer, which is the front-end application system 200; the back-end application system 202, which is also called the session layer, application layer, or transaction logic layer; back-end database 204 is the data layer. The corresponding physical machine deployment block diagram is shown in FIG. 5 , which is a schematic diagram of a computer system included in a commercial bank digital currency system according to an embodiment of the present invention.

前端应用系统200是用来运行用户与货币转移服务运营商直接互动的应用程序，比如Web应用程序，此处部署的是Web服务器集群。用户和货币转移服务运营商通过用户接口和这些应用程序交互，用户接口有个人计算设备114和移动设备等。用户可以通过此入口访问电子钱包功能、监督功能、虚拟银行功能、CRM功能。Web服务器上可采用apache等开源软件。The front-end application system 200 is used to run an application program that the user directly interacts with the money transfer service operator, such as a Web application program, where a Web server cluster is deployed. Users and money transfer service operators interact with these applications through user interfaces such aspersonal computing devices 114 and mobile devices. Users can access electronic wallet functions, supervision functions, virtual banking functions, and CRM functions through this portal. Open source software such as apache can be used on the Web server.

后端应用系统202主要用来是支持前端应用系统200的数据访问、业务逻辑处理等后台功能。此区域部署应用服务器。D-RMB数字货币可采用以Red Hat开源系统下的JBOSS工具来开发应用程序。The back-end application system 202 is mainly used to support back-end functions such as data access and business logic processing of the front-end application system 200 . This zone deploys application servers. The D-RMB digital currency can use the JBOSS tool under the Red Hat open source system to develop applications.

后台数据库204主要是数据库管理系统DBMS，包括数据仓库，存储了转移货币的销售交易、客户档案以及跟踪和调节中央银行数字货币系统进行D-RMB数字货币转移所需要的其他数据。D-RMB数字货币系统可采用以Oracle的DBMS作为数据库系统设计。Thebackground database 204 is mainly a database management system DBMS, including a data warehouse, which stores sales transactions of transferred currency, customer files, and other data required to track and adjust the central bank digital currency system for D-RMB digital currency transfers. The D-RMB digital currency system can be designed with Oracle's DBMS as the database system.

上述商行数字货币系统能够与外部系统互联，可选的一种架构如图6所示，图6是根据本发明实施方式的商业银行数字货币系统与外部系统互联的一种架构的示意图。The above-mentioned commercial bank digital currency system can be interconnected with external systems. An optional architecture is shown in FIG. 6 , which is a schematic diagram of an architecture for interconnecting a commercial bank digital currency system with an external system according to an embodiment of the present invention.

上图示范了商业银行数字货币系统与包括央行中心服务器、其他商业银行系统在内的各种外部系统适配器的物理和逻辑布局。有货币交易数据适配器、手机服务提供商SMS网关适配器、零售商系统适配器、ATM数据供应系统适配器等，通过这种互联的方式中心服务器可以接受来自每类实体的数字货币转移请求和应答。图6充分说明了D-RMB数字货币系统对各渠道、不同协议网络的良好支持，这也是其系统具有开放性特征的表现。The above figure demonstrates the physical and logical layout of the commercial bank digital currency system and various external system adapters including the central bank central server and other commercial banking systems. There are currency transaction data adapters, mobile phone service provider SMS gateway adapters, retailer system adapters, ATM data supply system adapters, etc. Through this interconnection, the central server can accept digital currency transfer requests and responses from each type of entity. Figure 6 fully illustrates the D-RMB digital currency system's good support for various channels and different protocol networks, which is also a manifestation of the openness of its system.

以下对IC卡为数字货币载体的业务流程加以阐述。The following describes the business process of the IC card as the digital currency carrier.

在央行中心服务器设置发行库，商业银行端设置银行库。与上相同，在模拟场景的业务流程描述中，以“商业银行”作为商业银行端D-RMB系统及其内部相关系统的统称，以“中央银行”作为央行端D-RMB系统及其相关系统的统称。下面按注册(即申请领卡)、提取、支付、存款及兑现等四个重要流程，以D-RMB卡作为载体，进行面对面方式的交易来阐述。The issuance library is set up on the central server of the central bank, and the bank library is set up on the commercial bank side. Same as above, in the business process description of the simulated scenario, "commercial bank" is used as the collective name for the D-RMB system and its internal related systems at the commercial bank, and "central bank" is used as the D-RMB system at the central bank and its related systems. collective name. The following describes the four important processes of registration (i.e. applying for a card), withdrawal, payment, deposit and cashing, using the D-RMB card as a carrier, and conducting face-to-face transactions.

用户的D-RMB卡申请、提取、存款及兑现均要求在线状态下完成，而支付过程中可以分为在线支付和离线支付。用户以安全方式领取到D-RMB芯片卡后，即可向D-RMB芯片卡内存放D_币。D-RMB芯片卡包含集成电路及存储介质，既可以制成单独的具有标准大小(例如目前使用的银行卡的尺寸)的卡片，也可以在集成电路的制程中集成到其他芯片或卡中。例如，D-RMB芯片卡可以是以下几种形态：可视蓝牙IC卡(以下简称可视IC卡)、普通IC卡、手机-eSE形态(手机内嵌IC卡)、手机-安全SD卡形态(内置安全SD卡)、手机-SIM卡形态以及手机-云SE形态。下面结合具体场景简要描述D_币的提取，消费，存储等流程，并在相应场景中指出适用的D-RMB芯片卡形态(以下使用“全形态”来指代上面提到的所有D-RMB芯片卡形态)。The user's D-RMB card application, withdrawal, deposit and cashing are all required to be completed online, and the payment process can be divided into online payment and offline payment. After the user receives the D-RMB chip card in a safe way, he can store D_coins in the D-RMB chip card. The D-RMB chip card contains integrated circuits and storage media, and can be made into a single card with a standard size (such as the size of a currently used bank card), or can be integrated into other chips or cards during the process of the integrated circuit. For example, the D-RMB chip card can be in the following forms: visual Bluetooth IC card (hereinafter referred to as visual IC card), ordinary IC card, mobile phone-eSE form (mobile phone embedded IC card), mobile phone-secure SD card form (built-in secure SD card), mobile phone-SIM card form and mobile phone-cloud SE form. The following is a brief description of the process of D-_coin extraction, consumption, storage, etc. in combination with specific scenarios, and indicates the applicable D-RMB chip card form in the corresponding scenario (hereinafter, "full form" is used to refer to all the D-RMB chips mentioned above. card form).

D-RMB芯片卡的申请Application for D-RMB Chip Card

流程说明：用户到商业银行柜面申请D-RMB芯片卡。Process description: The user applies for the D-RMB chip card at the counter of the commercial bank.

适用D-RMB芯片卡形态：全形态Applicable D-RMB chip card form: full form

场景说明：略。Scenario description: omitted.

步骤说明：Step Instructions:

步骤1.用户到商业银行柜面，提交相关身份证件信息，申请D-RMB芯片卡；Step 1. The user goes to the counter of the commercial bank, submits the relevant ID information, and applies for a D-RMB chip card;

步骤2.商业银行：登记D-RMB系统页面录入申请人及卡片相关信息(如姓名、住址、电子邮件地址、手机号、身份证号、卡片号等)，在商业银行D-RMB系统中为该用户创建D-RMB账号，并发送到中央银行D-RMB系统(IBC认证中心)；D-RMB芯片卡可以设计为完全匿名，如果为安全匿名则无须录入申请人身份信息。本文按可控匿名设计，在后台将卡号与申请人身份信息进行绑定。Step 2. Commercial Bank: Enter the applicant and card-related information (such as name, address, email address, mobile phone number, ID number, card number, etc.) on the registration D-RMB system page. The user creates a D-RMB account and sends it to the central bank's D-RMB system (IBC Certification Center). The D-RMB chip card can be designed to be completely anonymous. If it is safe and anonymous, it is not necessary to enter the applicant's identity information. This article is designed with controllable anonymity, and the card number is bound to the applicant's identity information in the background.

步骤3.中央银行：在IBC中心验证其唯一性(此处以卡号为账号举例)。IBC中心：根据卡号产生用户的私钥，公钥为D-RMB芯片卡号，以公钥作为账号进行交易流转；Step 3. Central Bank: Verify its uniqueness at the IBC Center (here, the card number is used as an example of an account number). IBC Center: Generate the user's private key according to the card number, the public key is the D-RMB chip card number, and the public key is used as the account for transaction flow;

步骤4.商业银行：按交易提示进行操作，下载用户私钥和央行公钥到D-RMB芯片卡保护区(写卡植密钥)，完成卡的初始化，交付卡片给用户，完成重要凭证登记工作，交易结束。Step 4. Commercial bank: follow the transaction prompts, download the user's private key and the central bank's public key to the D-RMB chip card protection area (write the card and plant the key), complete the card initialization, deliver the card to the user, and complete the registration of important certificates work, deal closed.

提取流程Extraction process

流程说明：用户把实物现金或其银行账户的资产转换为D_币写入卡内。第一次提取流程中还包含D-RMB芯片卡申请流程，以下的描述用户已领卡之后的一些流程、场景以及步骤。Process description: The user converts the physical cash or the assets of the bank account into D_coins and writes it into the card. The first extraction process also includes the D-RMB chip card application process. The following describes some processes, scenarios and steps after the user has received the card.

以现金提取D_币实际上也就是D_币的兑换，以下加以描述。The withdrawal of D_Coins by cash is actually the exchange of D_Coins , which will be described below.

流程说明：用户拿实物现金提取D_币到D-RMB芯片卡Process description: The user takes physical cash to withdraw D_coins to the D-RMB chip card

场景说明：以现金兑换D_币，如用户拿250元现金到ATM或商业银行柜面(如工行网点)兑换D_币，以柜面操作为例展开说明。Scenario description: Exchange D_currency with cash. For example, if a user takes 250 yuan in cash to exchange D_currency at an ATM or a commercial bank counter (such as an ICBC branch), the counter operation is used as an example to explain.

适用D-RMB芯片卡形态：全形态Applicable D-RMB chip card form: full form

步骤说明：Step Instructions:

步骤1.用户向商业银行如工行某网点提交D-RMB芯片卡和现金250元要求申请兑换相应金额的D_币；Step 1. The user submits a D-RMB chip card and 250 yuan in cash to a commercial bank such as an outlet of ICBC to apply for the exchange of the corresponding amount of D_currency ;

步骤2.商业银行：清点现金，验证相关合法性(如银行库中D_币是否够付等)，完成自己内部系统的记账，银行库支取D_币100，D_币100'以及D_币50；根据交易规则组织相关信息向央行D-RMB系统发送请求；Step 2. Commercial bank: Count the cash, verify the relevant legitimacy (such as whether the D_currency in the bank vault is enough to pay, etc.), complete the bookkeeping of its own internal system, and withdraw D_{currency 100} , D_{currency 100} ' and D_{currency 50} from the bank vault; Organize relevant information according to transaction rules and send requests to the central bank's D-RMB system;

步骤3.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100，D_币100'以及D_币50属主是否为工商银行等)，执行相关操作，登记中心：变更D_币100，D_币100'以及D_币50属主，将绑定的工商银行代码改为D-RMB芯片卡对应的钱包地址；记录相应交易流水；Step 3. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as D_{coin 100} , D_{coin 100} ' and whether the owner of D_{coin 50} is ICBC, etc.), perform relevant operations, and the registration center: Change D_{coin 100} , D_{coins 100} ' and D_{coins 50} owners, change the bound ICBC code to the wallet address corresponding to the D-RMB chip card; record the corresponding transaction flow;

步骤4.商业银行：将D_币100，D_币100'以及D_币50写到用户D-RMB芯片卡，完成内部相应操作，交易成功打印凭条。Step 4. Commercial Bank: Write D_{Coin 100} , D_{Coin 100} ' and D_{Coin 50} to the user's D-RMB chip card, complete internal corresponding operations, and print a receipt for successful transaction.

ATM流程基本同上。The ATM process is basically the same as above.

除了将实物现金转换为D_币写入卡内，还可以从用户银行账户中转账，提取D_币到D-RMB芯片卡。以下加以说明。In addition to converting physical cash into D_coins and writing them into the card, you can also transfer money from the user's bank account to withdraw D_coins to the D-RMB chip card. It will be explained below.

流程说明：用户从B_账号中转账提取D_币到D-RMB芯片卡。Process description: The user transfers and withdraws D_coins from the B_account to the D-RMB chip card.

适用D-RMB芯片卡形态：全形态Applicable D-RMB chip card form: full form

场景说明：用户从工商银行账户B_账号中转账提取250元D_币到D-RMB芯片卡，其可通过商业银行柜面、ATM机等操作将自己的银行账户B_账号转250元提取为D_币写到D-RMB芯片卡内。不同渠道读写卡设备不同，大体流程相同，这里不一一进行阐述，仅以银行柜面操作为例进行说明。Scenario description: The user transfers and withdraws 250 yuan D_coins from the ICBC account B_account to the D-RMB chip card, and he can transfer 250 yuan from his bank account B_account to withdraw D_coins through commercial bank counters, ATM machines, etc. Write to the D-RMB chip card. Different channels have different card reading and writing equipment, and the general process is the same. I will not describe them one by one here, but only take the bank counter operation as an example.

步骤说明：Step Instructions:

步骤1.用户：向商业银行柜面柜员提出250元提取D_币申请，提交银行卡以及D-RMB芯片卡，填写有关单据，输入B_账号账户密码；Step 1. User: apply to the counter teller of the commercial bank for 250 yuan to withdraw D_currency , submit the bank card and D-RMB chip card, fill in the relevant documents, and enter the account password of the B_account ;

步骤2.商业银行：验证相关合法性，如核验账户密码、用户资金账户即B_账号余额是否够付、银行库中D_币是否够付等；检查通过后B_账号扣款250元，银行库支取D_币100，D_币100'以及D_币50；根据交易规则组织相关信息向央行D-RMB系统发送请求；Step 2. Commercial bank: Verify the relevant legality, such as verifying the account password, whether the balance of the user's capital_account , that is, whether the balance of the B_account is sufficient, whether the D_currency in the bank vault is enough, etc.; D_{currency 100} , D_{currency 100} ' and D_{currency 50} ; organize relevant information according to transaction rules and send a request to the central bank's D-RMB system;

步骤3.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100，D_币100'以及D_币50属主是否为工商银行等)，执行相关操作，登记中心：变更D_币100，D_币100'以及D_币50属主，将绑定的工商银行代码改为D-RMB芯片卡的钱包地址；记录相应交易流水；Step 3. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as D_{coin 100} , D_{coin 100} ' and whether the owner of D_{coin 50} is ICBC, etc.), perform relevant operations, and the registration center: Change D_{coin 100} , D_{coins 100} ' and D_{coins 50} owners, change the bound ICBC code to the wallet address of the D-RMB chip card; record the corresponding transaction flow;

步骤4.商业银行：将D_币100，D_币100'以及D_币50写到用户D-RMB芯片卡，完成内部相应操作，交易成功打印凭条。Step 4. Commercial Bank: Write D_{Coin 100} , D_{Coin 100} ' and D_{Coin 50} to the user's D-RMB chip card, complete internal corresponding operations, and print a receipt for successful transaction.

本流程不仅是一个用户提款流程，同时也是一个D-RMB数字货币从银行库到用户端的流程，即法定数字货币的进入流通领域流程。This process is not only a user withdrawal process, but also a process of D-RMB digital currency from the bank vault to the user terminal, that is, the process of entering the circulation field of legal digital currency.

以下对基于D-RMB芯片卡的支付流程加以说明。用户持D-RMB芯片卡支付交易，可以是持卡在联网的商家POS机上消费，可以是持卡对在线的手机进行支付，也支持卡在网上支付消费(线上支付)。另外，离线场景下还支持持卡对脱机POS支付、对无信号的手机支付，支持卡对卡的支付。这些支付过程还可细分为全款支付和找零支付，下面将一一说明。The payment process based on the D-RMB chip card is described below. The user holds D-RMB chip card to pay for transaction, which can be used to spend on the POS machine of the networked merchant, or to pay with the card to the online mobile phone, and also supports the card to pay for consumption online (online payment). In addition, in offline scenarios, it also supports offline POS payment, mobile phone payment without signal, and card-to-card payment. These payment processes can also be subdivided into full payment and change payment, which will be explained below.

流程说明：D-RMB芯片卡在商家POS机上联机支付。Process description: D-RMB chip card online payment on the merchant POS machine.

场景说明：联机支付也叫在线支付，涉及全款支付和找零支付两种场景。例如付款用户D-RMB芯片卡1有数字货币D_币100，D_币100'，D_币50，分别代表其拥有100元人民币两张和一张50元人民币，共计250元人民币，现需支付给收款商家用户2(POS机2)200元人民币，还需支付给另一收款商家用户3(POS机3)30元人民币。假设POS机商家用户为工商银行客户。用户D-RMB芯片卡1支付给POS机2是全款支付，用户1支付给POS机3是找零支付。找零支付可以与实物货币一样，POS机3如有D_币20，可先由用户D-RMB芯片卡1付款50元给商家POS机3，再由商家POS机3付款20元给用户D-RMB芯片卡1，即通过两次全款支付实现(如果数字货币按照最小单位发行，则不存在找零问题)，或者通过用户D-RMB芯片卡1先向D-RMB系统申请零钱兑换，再将兑换后的零钱选择组合全款支付给商家POS机3。Scenario description: Online payment is also called online payment, which involves two scenarios of full payment and change payment. For example, the payment user D-RMB chip card 1 has the digital currency D_{currency 100} , D_{currency 100} ', D_{currency 50} , which means that he has two 100 yuan and one 50 yuan, a total of 250 yuan, which needs to be paid to The recipient merchant user 2 (POS machine 2) is 200 yuan, and another payment merchant user 3 (POS machine 3) needs to pay 30 yuan. It is assumed that the merchant user of the POS machine is a customer of ICBC. When the user's D-RMB chip card 1 pays to the POS machine 2, it is the full payment, and the user 1 pays the POS machine 3 as a change payment. The change payment can be the same as the physical currency. If the POS machine 3 has D_{coins of 20} , the user D-RMB chip card 1 can first pay 50 yuan to the merchant POS machine 3, and then the merchant POS machine 3 pays 20 yuan to the user D- RMB chip card 1, that is, through two full payments (if the digital currency is issued in the smallest unit, there is no change problem), or through the user D-RMB chip card 1, first apply to the D-RMB system for change exchange, and then Pay the full amount of the exchanged change selection and combination to the merchant POS machine 3 .

适用D-RMB芯片卡形态：全形态，包括手机在内。Applicable D-RMB chip card form: all forms, including mobile phones.

步骤说明(全款支付)：Step description (pay in full):

步骤1.POS机2：在POS输入消费金额200元；Step 1. POS machine 2: Enter the consumption amount of 200 yuan at the POS;

步骤2.D-RMB芯片卡1：通过NFC等无线接口与POS机通信，自动选取金额为200元的数字货币D_币100'、D_币100，发送给POS机；Step 2. D-RMB chip card 1: communicate with the POS machine through wireless interfaces such as NFC, automatically select the digital currency D_{coin 100} ' and D_{coin 100} with an amount of 200 yuan, and send them to the POS machine;

步骤3.POS机2：收D_币100'、D_币100，进行相关合法性检查，如初步验卡验D-RMB并判断金额是否足够等，根据交易规则组织相关信息发送到商业银行D-RMB系统；Step 3. POS machine 2: collect D_{coins of 100} ' and D_{coins of 100} , and carry out relevant legality checks, such as preliminary card inspection, D-RMB and judging whether the amount is sufficient, etc., organize relevant information according to transaction rules and send them to commercial banks D- RMB system;

步骤4.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币100'、D_币100合法性，交易金额是否与数字货币币值相符等)，执行相应操作，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 4. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 100} ', D_{coin 100} legitimacy, whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and renew according to the transaction rules. Organize messages to send requests to the central bank's D-RMB system;

步骤4.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100，D_币100'属主是否为D-RMB芯片卡1等)，执行相关操作，登记中心：变更D_币100，D_币100'属主，将绑定的D-RMB芯片卡1钱包地址改为POS机2对应的商家代码；记录相应交易流水；Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 100} , whether the owner of D_{coin 100} ' is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Change D_{coin 100} , D_{coins 100} ' owner, change the bound D-RMB chip card 1 wallet address to the merchant code corresponding to POS machine 2; record the corresponding transaction flow;

步骤5.商业银行：发送D_币100'、D_币100到POS机2，发送交易成功的提示信息。Step 5. Commercial bank: send D_{coins 100} ' and D_{coins 100} to POS machine 2, and send a prompt message that the transaction is successful.

步骤6.POS机2：打凭条，交易完成。Step 6. POS machine 2: Print the receipt and the transaction is completed.

以上完全模拟商家接收实物现金过程，在此过程中POS机2上存放D_币。此过程还可设计成商家自动将D_币转存到结算账户。具体如下：The above completely simulates the process of merchants receiving physical cash, and D_coins are stored on the POS machine 2 during this process. This process can also be designed so that the merchant automatically transfers D_coins to the settlement account. details as follows:

步骤1.POS机2：在POS输入消费金额200元；Step 1. POS machine 2: Enter the consumption amount of 200 yuan at the POS;

步骤2.D-RMB芯片卡1：通过NFC等无线接口与POS机通信，自动选取金额为200元的数字货币D_币100'、D_币100，发送给POS机；Step 2. D-RMB chip card 1: communicate with the POS machine through wireless interfaces such as NFC, automatically select the digital currency D_{coin 100} ' and D_{coin 100} with an amount of 200 yuan, and send them to the POS machine;

步骤3.POS机2：进行相关合法性检查，如初步验卡验D-RMB并判断金额是否足够等，根据交易规则组织相关信息发送到商业银行D-RMB系统；Step 3. POS machine 2: Carry out relevant legality checks, such as preliminary card inspection and D-RMB check and determine whether the amount is sufficient, etc., organize relevant information according to transaction rules and send it to the commercial bank D-RMB system;

步骤4.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币100'、D_币100合法性，交易金额是否与数字货币币值相符等)，执行相应操作，银行库收D_币100'、D_币100，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 4. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 100} ', D_{coin 100} legitimacy, whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and the bank treasury collects D_{coin 100} ', D_{currency 100} , and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

步骤5.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100，D_币100'属主是否为D-RMB芯片卡1等)，执行相关操作，登记中心：变更D_币100，D_币100'属主，将绑定的D-RMB芯片卡1钱包地址改为商家账号对应的商业银行代码；记录相应交易流水；Step 5. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 100} , whether the owner of D_{coin 100} ' is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Change D_{coin 100} , D_{currency 100} 'owner, change the bound D-RMB chip card 1 wallet address to the commercial bank code corresponding to the merchant account; record the corresponding transaction flow;

步骤6.商业银行：将商家用户银行账号内金额增加200元，反馈相关信息；Step 6. Commercial bank: increase the amount in the merchant user's bank account by 200 yuan, and feedback relevant information;

步骤7.POS机2：打凭条，交易完成。Step 7. POS machine 2: Print the receipt and the transaction is completed.

步骤说明(零钱兑换)：Step-by-step instructions (change change):

步骤1.POS机3：插D-RMB芯片卡，选择功能“整换零”，输入：兑换金额(如50元)，面值要求(如20元两枚，10元一枚)；点击“发送”；Step 1. POS machine 3: insert the D-RMB chip card, select the function "replace zero", input: exchange amount (such as 50 yuan), face value requirements (such as 20 yuan for two pieces, 10 yuan for one piece); click "send" ";

步骤2.D-RMB芯片卡及POS机3：自动选取50元的数字货币如D_币50，根据交易规则组织相关信息，并发送到商业银行D-RMB系统；Step 2. D-RMB chip card and POS machine 3: Automatically select a digital currency of 50 yuan such as D_{coin 50} , organize relevant information according to transaction rules, and send it to the commercial bank D-RMB system;

步骤3.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币50合法性，交易金额是否与数字货币币值相符等)，执行相应操作，银行库：收D_币50，支取D_币20、D_币20'、D_币10；并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as the legality of D_{coin 50} , whether the transaction amount is consistent with the digital currency value, etc.), and perform corresponding operations. Bank library: receive D_{coin 50} , and withdraw D_{Coin 20} , D_{Coin 20} ', D_{Coin 10} ; and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

步骤4.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币20、D_币20'、D_币10以及D_币50属主是否合法等)，执行相关操作，登记中心：变更D_币20、D_币20’、D_币10以及D_币50属主，将D_币50绑定的D-RMB芯片卡1钱包地址改为工商银行代码，D_币20、D_币20'、D_币10绑定的工商银行代码变更为D-RMB芯片卡1钱包地址；记录相应交易流水；Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as whether the owners of D_{coin 20} , D_{coin 20} ', D_{coin 10} and D_{coin 50} are legal, etc.), perform relevant operations, and register the center: change For owners of D_{coin 20} , D_{coin 20} ', D_{coin 10} and D_{coin 50} , change the wallet address of D-RMB chip card 1 bound to D_{coin 50} to ICBC code, D_{coin 20} , D_{coin 20} ', D coin 1 Change the ICBC code bound to_{Coin 10} to the wallet address of D-RMB chip card 1; record the corresponding transaction flow;

步骤5.商业银行：发送D_币20、D_币20'、D_币10到POS机3写D-RMB芯片卡1，发送交易成功信息。Step 5. Commercial bank: send D_{coin 20} , D_{coin 20} ', D_{coin 10} to POS machine 3 to write D-RMB chip card 1, and send transaction success information.

其它交易流程同全款支付。即：Other transaction processes are the same as full payment. which is:

步骤6.POS机3：在POS输入消费金额30元；Step 6. POS machine 3: Enter the consumption amount of 30 yuan at the POS;

步骤7.D-RMB芯片卡1：通过NFC等无线接口与POS机通信，自动选取金额为30元的数字货币D_币20、D_币10；发送给POS机；Step 7. D-RMB chip card 1: communicate with the POS machine through wireless interfaces such as NFC, and automatically select the digital currency D_{coin 20} and D_{coin 10} with an amount of 30 yuan; send to the POS machine;

步骤8.POS机3：收D_币20、D_币10，进行相关合法性检查，如初步验卡验D-RMB并判断金额是否足够等，根据交易规则组织相关信息发送到商业银行D-RMB系统；Step 8. POS machine 3: collect D_{coins 20} and D_{coins 10} , and carry out relevant legality checks, such as preliminary card inspection, D-RMB and judging whether the amount is sufficient, etc., organize relevant information according to the transaction rules and send it to the commercial bank D-RMB system;

步骤9.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币20、D_币10合法性，交易金额是否与数字货币币值相符等)，执行相应操作，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 9. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D_{coin 20} , D_{coin 10} , whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and reorganize according to the transaction rules The message sends a request to the central bank's D-RMB system;

步骤10.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币20、D_币10属主是否为D-RMB芯片卡1等)，执行相关操作，登记中心：变更D_币20、D_币10'属主，将绑定的D-RMB芯片卡1钱包地址改为POS机3对应的商家代码；记录相应交易流水；Step 10. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 20} , whether the owner of D_{coin 10} is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Change D_{coin 20} , D_{coin 10} ' owner, change the bound D-RMB chip card 1 wallet address to the merchant code corresponding to POS machine 3; record the corresponding transaction flow;

步骤11.商业银行：发送D_币20、D_币10到POS机3，发送交易成功的提示信息。Step 11. Commercial bank: send D_{coins 20} and D_{coins 10} to POS machine 3, and send a prompt message that the transaction is successful.

步骤12.POS机3：打凭条，交易完成。Step 12. POS machine 3: Print the receipt and the transaction is completed.

在具体应用程序开发过程中以上可设计为程序联动处理。In the specific application development process, the above can be designed as program linkage processing.

流程说明：可视D-RMB芯片卡在手机上在线支付。Process description: Visual D-RMB chip card online payment on the mobile phone.

场景说明：付款用户可视D-RMB芯片卡1有数字货币D_币100，D_币100'，D_币50，分别代表其拥有100元人民币两张和一张50元人民币，共计250元人民币，现需支付给收款用户2(手机2)200元人民币。Scenario description: The payment user can see that the D-RMB chip card 1 has digital currency D_{currency 100} , D_{currency 100} ', D_{currency 50} , which means that he has two 100 yuan and one 50 yuan, a total of 250 yuan, It is now necessary to payRMB 200 to the recipient user 2 (mobile phone 2).

适用D-RMB芯片卡形态：可视D-RMB芯片卡Applicable D-RMB chip card form: visual D-RMB chip card

步骤说明：Step Instructions:

步骤1.D-RMB芯片卡1：输入金额200元，通过蓝牙、NFC等无线技术与手机通信，自动选取金额为200元的数字货币D_币100'、D_币100，发送给手机；Step 1. D-RMB chip card 1: Input the amount of 200 yuan, communicate with the mobile phone through wireless technologies such as Bluetooth and NFC, automatically select the digital currency D_{coin 100} ' and D_{coin 100} with an amount of 200 yuan, and send to the mobile phone;

步骤2.手机2：收D_币100'、D_币100，进行相关合法性检查，如初步验卡验D-RMB并判断金额是否足够等，根据交易规则组织相关信息发送到商业银行D-RMB系统；Step 2. Mobile phone 2: Receive D_{coin 100} ', D_{coin 100} , carry out relevant legality checks, such as preliminary card check D-RMB and determine whether the amount is sufficient, etc., organize relevant information according to transaction rules and send it to commercial bank D-RMB system;

步骤3.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币100'、D_币100合法性，交易金额是否与数字货币币值相符、手机2是否为注册用户等)，执行相应操作，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D_{coin 100} ', D_{coin 100} , whether the transaction amount is consistent with the digital currency value, whether the mobile phone 2 is a registered user, etc.), and execute the corresponding operation, and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

步骤4.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100'、D_币100属主是否为D-RMB芯片卡1，交易金额是否与数字货币币值相符等)，执行相关操作，登记中心：变更D_币100'、D_币100属主，将绑定的D-RMB芯片卡1钱包地址改为用户2钱包地址；记录相应交易流水；Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as D_{coin 100} ', whether the owner of D_{coin 100} is a D-RMB chip card 1, whether the transaction amount is consistent with the digital currency value, etc.), execute Relevant operations, registration center: change the owner of D_{coin 100} ' and D_{coin 100} , change the bound D-RMB chip card 1 wallet address to the user 2 wallet address; record the corresponding transaction flow;

步骤5.商业银行：向手机2反馈交易成功信息，若D-RMB芯片卡申请过程中预留开通过手机提醒业务，则同时向D-RMB芯片卡对应手机发送交易相关信息；Step 5. Commercial bank: Feed back the transaction success information to the mobile phone 2. If the reminder service via mobile phone is reserved during the application process of the D-RMB chip card, the relevant information of the transaction will be sent to the mobile phone corresponding to the D-RMB chip card at the same time;

步骤6.手机2：向D-RMB芯片卡反馈交易OK，交易成功。Step 6. Mobile phone 2: Feedback the transaction OK to the D-RMB chip card, and the transaction is successful.

流程说明：开通过手机提醒的D-RMB芯片卡在手机上在线支付。Process description: Open the D-RMB chip card reminded by the mobile phone and pay online on the mobile phone.

场景说明：付款用户D-RMB芯片卡1在申请过程中已预留手机号并开通短信通知功能，D-RMB芯片卡1有数字货币D_币100，D_币100'，D_币50，分别代表其拥有100元人民币两张和一张50元人民币，共计250元人民币，现需支付给收款用户2(手机2)200元人民币。Scenario description: The payment user D-_RMBchip card₁ has reserved a mobile phone number and has enabled the SMS notification function during the application process. It has two pieces of 100 yuan and one piece of 50 yuan, a total of 250 yuan, and now needs to pay the recipient 2 (mobile phone 2) 200 yuan.

适用D-RMB芯片卡形态：手机、开通过手机短信提醒服务的D-RMB芯片卡。Applicable D-RMB chip card form: mobile phone, D-RMB chip card with reminder service through mobile phone SMS.

步骤说明：Step Instructions:

步骤1.手机2：选择功能菜单“对方卡支付”，输入支付金额200元；Step 1. Mobile phone 2: Select the function menu "Pay with the other party's card", and enter the payment amount of 200 yuan;

步骤2.D-RMB芯片卡1：通过蓝牙、NFC等无线技术与手机通信，自动选取金额为200元的数字货币D_币100'、D_币100，发送给手机；Step 2. D-RMB chip card 1: communicate with the mobile phone through wireless technologies such as Bluetooth and NFC, automatically select the digital currency D coins with an amount of 200 yuan, D_{coins 100} ' and D_{coins 100} , and send them to the phone;

步骤3.手机2：收D_币100'、D_币100，进行相关合法性检查，如初步验卡验D-RMB并判断金额是否足够等，根据交易规则组织相关信息发送到商业银行D-RMB系统；Step 3. Mobile phone 2: Receive D_{coins 100} ' and D_{coins 100} , and carry out relevant legality checks, such as preliminary card inspection, D-RMB and judging whether the amount is sufficient, etc., organize relevant information according to transaction rules and send it to commercial banks D-RMB system;

步骤4.商业银行：解读交易规则及相关信息，验证相关合法性(如D-RMB芯片卡1是否有对应手机短信提醒功能，交易金额是否与数字货币币值相符等，为加强风控管理，还可加入与D-RMB芯片卡1注册手机的交易确认)，执行相应操作，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 4. Commercial bank: Interpret the transaction rules and related information, and verify the relevant legality (such as whether the D-RMB chip card 1 has a corresponding mobile phone SMS reminder function, whether the transaction amount is consistent with the digital currency value, etc., in order to strengthen risk control management, also It can be added to the transaction confirmation of the mobile phone registered with the D-RMB chip card 1), perform corresponding operations, and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

步骤5.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100'、D_币100属主是否为D-RMB芯片卡1，交易金额是否与数字货币币值相符等)，执行相关操作，登记中心：变更D_币100'、D_币100属主，将绑定的D-RMB芯片卡1钱包地址改为用户2钱包地址；记录相应交易流水；Step 5. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 100} ', whether the owner of D_{coin 100} is D-RMB chip card 1, whether the transaction amount is consistent with the digital currency value, etc.), execute Relevant operations, registration center: change the owner of D_{coin 100} ' and D_{coin 100} , change the bound D-RMB chip card 1 wallet address to the user 2 wallet address; record the corresponding transaction flow;

步骤6.商业银行：向手机2反馈交易成功信息，向D-RMB芯片卡对应手机发送交易相关信息。Step 6. Commercial bank: Feed back the transaction success information to the mobile phone 2, and send transaction-related information to the mobile phone corresponding to the D-RMB chip card.

此处流程也可设计为D-RMB芯片卡对应手机参与交易的确认，具体细节可由业务部门确定。The process here can also be designed as the confirmation of the D-RMB chip card corresponding to the mobile phone participating in the transaction, and the specific details can be determined by the business department.

流程说明：D-RMB芯片卡在网上线上支付。Process description: D-RMB chip card online payment.

场景说明：付款用户D-RMB芯片卡1有数字货币D_币100，D_币100'，以及D_币50，分别代表其拥有100元人民币两张和一张50元人民币，共计250元人民币，现在通过个人终端读卡器或手机联线上网，在网上进行在线购物，需支付给收款商家用户250元人民币。Scenario description: The paying user D-RMB chip card 1 has digital currency D_{coin 100} , D_{coin 100} ', and D_{coin 50} , which means that he has two 100 yuan and one 50 yuan, a total of 250 yuan, now Online shopping via a personal terminal card reader or mobile phone will require a payment of RMB 250 to the recipient merchant.

使用D-RMB芯片卡形态：全形态Use D-RMB chip card form: full form

步骤说明：Step Instructions:

步骤1.付款用户：在某商家购物网站或APP选定商品，选择D_币支付；Step 1. Paying user: select a product on a merchant's shopping website or APP, and choose D_currency to pay;

步骤2.商家用户：调用D-RMB系统支付插件，获取D-RMB芯片卡相关信息以及其内的D_币100、D_币100'、D_币50，进行相关合法性检查，如初步验卡验D-RMB并判断金额是否足够等，根据交易规则组织包括商家银行账户信息在内的相关信息发送到商业银行D-RMB系统；Step 2. Merchant users: call the D-RMB system payment plug-in to obtain the relevant information of the D-RMB chip card and the D_{coins 100} , D_{coins 100} ' and D_{coins 50} , and conduct relevant legality checks, such as preliminary card verification D-RMB and determine whether the amount is sufficient, etc., organize relevant information including merchant bank account information and send it to the commercial bank D-RMB system according to the transaction rules;

步骤3.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币100、D_币100'、D_币50合法性，交易金额是否与数字货币币值相符、商家银行账号是否可用等)，执行相应操作，银行库：收D_币100、D_币100'、D_币50，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 3. Commercial bank: Interpret the transaction rules and related information, and verify the relevant legality (such as the legality of D_{coin 100} , D_{coin 100} ', D_{coin 50} , whether the transaction amount is consistent with the digital currency value, whether the merchant's bank account is available, etc.) , perform the corresponding operation, the bank library: receive D_{coins 100} , D_{coins 100} ', D_{coins 50} , and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

步骤4.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100、D_币100'、D_币50属主是否为D-RMB芯片卡1，交易金额是否与数字货币币值相符等)，执行相关操作，登记中心：变更D_币100、D_币100'、以及D_币50属主，将绑定的D-RMB芯片卡1钱包地址改为商户账号对应的开户银行代码；记录相应交易流水；Step 4. Central Bank: Interpret the transaction rules and related information, and verify the relevant legality (such as whether the owner of D_{coin 100} , D_{coin 100} ', D_{coin 50} is a D-RMB chip card 1, and whether the transaction amount is consistent with the digital currency value. etc.), perform relevant operations, register the center: change the owner of D_{coin 100} , D_{coin 100} ', and D_{coin 50} , change the bound D-RMB chip card 1 wallet address to the account opening bank code corresponding to the merchant account; record corresponding transaction flow;

步骤5.商业银行：在商家账户内增加相应金额(250元)，通知商户收款成功；Step 5. Commercial bank: add the corresponding amount (250 yuan) in the merchant's account, and notify the merchant that the payment is successful;

步骤6.商家用户：线上支付交易成功、线下组织发货，相关信息反馈付款用户；Step 6. Merchant user: online payment transaction is successful, offline delivery is organized, and relevant information is fed back to the paying user;

如果涉及找零操作，可参照前文描述的POS在线支付流程。If the change operation is involved, please refer to the POS online payment process described above.

以上重点描述了D-RMB芯片卡的在线支付几个典型应用场景中的流程和具体步骤，下面将针对D-RMB芯片卡的离线支付，包括在离线POS机、无网络信号的手机以及卡与卡之间离线支付等典型应用场景进行描述。The above focuses on describing the process and specific steps in several typical application scenarios of online payment of D-RMB chip card. The following will focus on offline payment of D-RMB chip card, including offline POS machines, mobile phones without network signals, and card and Typical application scenarios such as offline payment between cards are described.

在D-RMB系统中定义的离线支付指的是近场支付，此过程中，接收方需事后联机确认收款。与前文流程一样，离线支付过程中，收款用户对收到的D_币当时能验证数字货币的真伪，但仍需对D_币是否进行过重复支付开展后台验证。其设计思路是：需重复支付验证的D_币在客户端电子钱包程序(如POS机)中标识为“待重复支付验证”，POS机一旦联到网络，就自动向D-RMB系统进行重复支付验证申请。D-RMB系统收到验证申请执行相应操作，在登记中心补录交易流水，更新D_币属主。如收款人不是D-RMB系统的注册用户，系统还会记录收款人预留的取款密码，以下将作具体说明。The offline payment defined in the D-RMB system refers to near-field payment. During this process, the receiver needs to confirm the payment online afterwards. As in the previous process, during the offline payment process, the receiving user can verify the authenticity of the digital currency at the time of the received D_coin , but it is still necessary to carry out background verification on whether the D_coin has been repeatedly paid. The design idea is: the D_coin that needs to be verified by repeated payment is marked as "repeated payment verification pending" in the client e-wallet program (such as POS machine), and once the POS machine is connected to the network, it will automatically make repeated payments to the D-RMB system. Validate application. The D-RMB system receives the verification application and performs corresponding operations, supplements the transaction flow in the registration center, and updates the owner of the D_coin . If the payee is not a registered user of the D-RMB system, the system will also record the withdrawal password reserved by the payee, which will be explained in detail below.

流程说明：D-RMB芯片卡在商家POS机上离线支付。Process description: D-RMB chip card is paid offline on the merchant's POS machine.

场景说明：付款用户D-RMB芯片卡1有数字货币D_币100，D_币100'，以及D_币50，分别代表其拥有100元人民币两张和一张50元人民币，共计250元人民币，现需支付给收款商家用户2(POS机2)200元人民币，商家用户POS机脱机状态。Scenario description: The paying user D-RMB chip card 1 has digital currency D_{coin 100} , D_{coin 100} ', and D_{coin 50} , which means that he has two 100 yuan and one 50 yuan, a total of 250 yuan. 200 yuan needs to be paid to the recipient merchant user 2 (POS machine 2), and the merchant user POS machine is offline.

适用D-RMB芯片卡形态：全形态，包括手机在内。Applicable D-RMB chip card form: all forms, including mobile phones.

步骤说明：Step instructions:

步骤1.POS机2：在POS选择离线支付，输入消费金额200元；Step 1. POS machine 2: Select offline payment at POS, and enter the consumption amount of 200 yuan;

步骤2.D-RMB芯片卡1：通过NFC等无线接口与POS机通信，自动选取金额为200元的数字货币D_币100'、D_币100，发送给POS机；Step 2. D-RMB chip card 1: communicate with the POS machine through wireless interfaces such as NFC, automatically select the digital currency D_{coin 100} ' and D_{coin 100} with an amount of 200 yuan, and send them to the POS machine;

步骤3.POS机2：收D_币100'、D_币100，进行相关合法性检查，如验卡验D-RMB并判断金额是否足够等，校验通过后当面交易结束，打印凭条。POS机一旦联到网络，就自动向商业银行D-RMB系统进行重复支付验证申请，根据交易规则组织相关信息发送到商业银行D-RMB系统；Step 3. POS machine 2: Receive D_{coins 100} ' and D_{coins 100} , and carry out relevant legality checks, such as checking the card, checking D-RMB and judging whether the amount is sufficient, etc. After the verification is passed, the face-to-face transaction ends, and a receipt is printed. Once the POS machine is connected to the network, it will automatically apply for repeated payment verification to the D-RMB system of the commercial bank, and organize the relevant information according to the transaction rules and send it to the D-RMB system of the commercial bank;

步骤4.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币100'、D_币100合法性，交易金额是否与数字货币币值相符等)，执行相应操作，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 4. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 100} ', D_{coin 100} legitimacy, whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and renew according to the transaction rules. Organize messages to send requests to the central bank's D-RMB system;

步骤5.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100，D_币100'属主是否为D-RMB芯片卡1等)，执行相关操作，登记中心：变更D_币100'、D_币100属主，将绑定的D-RMB芯片卡1钱包地址改为POS机2对应的商家代码；记录相应交易流水；Step 5. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 100} , whether the owner of D_{coin 100} ' is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Change D_{coin 100} ', the owner of D_{currency 100} , change the wallet address of the bound D-RMB chip card 1 to the merchant code corresponding to the POS machine 2; record the corresponding transaction flow;

步骤6.商业银行：向POS机2反馈验证成功信息。Step 6. Commercial bank: feedback the successful verification information to the POS machine 2.

以上完全模拟商家接收实物现金过程，在此过程中POS机2上存放D_币。此过程还可设计成商家自动将D_币转存到结算账户。具体如下：The above completely simulates the process of merchants receiving physical cash, and D_coins are stored on the POS machine 2 during this process. This process can also be designed so that the merchant automatically transfers D_coins to the settlement account. details as follows:

步骤1.POS机2：一旦联网，就根据交易规则将交易信息、收到所有D_币信息和商家用户银行账号等相关信息自动发送到商业银行；Step 1. POS machine 2: Once connected to the Internet, it will automatically send transaction information, received all D_currency information and merchant user bank account and other related information to the commercial bank according to the transaction rules;

步骤2.商业银行：进行相关合法性验证，银行库：收D_币100，D_币100'，根据交易规则组织相关信息发送到中央银行D-RMB系统；Step 2. Commercial bank: carry out relevant legality verification, bank vault: receive D_{currency 100} , D_{currency 100} ', organize relevant information according to transaction rules and send it to the central bank D-RMB system;

步骤3.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币属主是否为D-RMB芯片卡1，交易金额是否与数字货币币值相符等)，执行相应操作。登记中心：变更D_币100'、D_币100属主，将绑定的D-RMB芯片卡1钱包地址改为商家账号对应的商业银行代码；记录相应交易流水；Step 3. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as whether the owner of the D_currency is a D-RMB chip card 1, whether the transaction amount is consistent with the digital currency value, etc.), and perform the corresponding operations. Registration Center: Change the owner of D_{coin 100} ' and D_{coin 100} , change the bound D-RMB chip card 1 wallet address to the commercial bank code corresponding to the merchant account; record the corresponding transaction flow;

步骤4.商业银行：将商家用户银行账号内金额增加相应金额，反馈相关信息；Step 4. Commercial bank: increase the amount in the merchant user's bank account by the corresponding amount, and feed back the relevant information;

步骤5.POS机2：打入账凭条，交易完成。Step 5. POS machine 2: Enter the receipt and the transaction is completed.

流程说明：D-RMB芯片卡在手机上离线支付。Process description: D-RMB chip card offline payment on mobile phone.

适用D-RMB芯片卡形态：可视D-RMB芯片卡。Applicable D-RMB chip card form: visual D-RMB chip card.

场景说明：根据收款用户是否为注册用户，分两种场景讨论。付款可视D-RMB芯片卡1有数字货币D_币100，D_币100'，D_币50，分别代表其拥有100元人民币两张和一张50元人民币，共计250元人民币，现需离线支付给收款用户2(手机号2)200元人民币，还需离线支付给另一收款用户3(手机号3)50元人民币。其中，用户2是D-RMB系统的注册用户，而用户3没有注册，仅是在手机3上下载有D-RMB客户端。Scenario description: According to whether the receiving user is a registered user, there are two scenarios for discussion. The payment can be made by D-RMB chip card 1. There are digital currency D_{coin 100} , D_{coin 100} ', D_{coin 50} , which means that it has two pieces of 100 yuan and one piece of 50 yuan, totaling 250 yuan, and it needs to be paid offline now. 200 yuan to the recipient user 2 (mobile phone number 2), and 50 yuan to another recipient user 3 (mobile phone number 3) to be paid offline. Among them, the user 2 is a registered user of the D-RMB system, and the user 3 is not registered, and only downloads the D-RMB client on the mobile phone 3 .

向用户2离线支付步骤说明(付款人和收款人都是注册用户)：Instructions for offline payment to user 2 (both the payer and the payee are registered users):

步骤1.D-RMB芯片卡：输入付款金额(如200元)，通过蓝牙、NFC等无线技术与手机通信，自动选取金额为200元的数字货币D_币100'以及D_币100，发送给手机；Step 1. D-RMB chip card: Enter the payment amount (such as 200 yuan), communicate with the mobile phone through Bluetooth, NFC and other wireless technologies, automatically select the digital currency D_{coin 100} ' and D_{coin 100} with an amount of 200 yuan, and send them to the mobile phone ;

步骤2.用户2手机客户端：解读交易规则及相关信息，验证相关合法性(如D_币100'、D_币100合法性，交易金额是否相符等)，通过后当面交易结束。待联机状态下将带有付款用户D-RMB芯片卡1签名的含D_币支付交易信息上报商业银行D-RMB系统(终端设计可自动联网验证)；Step 2. User 2 mobile client: interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 100} ', D_{coin 100} legitimacy, whether the transaction amount matches, etc.), and the face-to-face transaction ends after passing. In the online state, report the payment transaction information containing D_currency with the signature of the paying user's D-RMB chip card 1 to the D-RMB system of the commercial bank (terminal design can be automatically verified online);

步骤3.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币100'、D_币100合法性，交易金额是否与数字货币币值相符等)，执行相应操作，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 100} ', D_{coin 100} legitimacy, whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and renew according to the transaction rules. Organize messages to send requests to the central bank's D-RMB system;

步骤4.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100，D_币100'属主是否为D-RMB芯片卡1等)，执行相关操作，登记中心：变更D_币100'、D_币100属主，将绑定的D-RMB芯片卡1钱包地址改为用户2钱包地址；记录相应交易流水；Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 100} , whether the owner of D_{coin 100} ' is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Change D_{coin 100} ', the owner of D_{coin 100} , change the wallet address of the bound D-RMB chip card 1 to the wallet address of user 2; record the corresponding transaction flow;

步骤5.商业银行：发送信息提示验证成功。Step 5. Commercial Bank: Send a message indicating that the verification is successful.

向用户3离线支付步骤说明(收款人是非注册用户)：Instructions for offline payment to user 3 (the payee is a non-registered user):

步骤1.用户3手机客户端：登录手机客户端APP，选择功能“非注册用户离线收款”，输入：收款金额(如50元)、收款人留的pin码(由用户3输入，为证明取款人身份用)，点击“开始读卡”；Step 1. User 3's mobile client: log in to the mobile client APP, select the function "offline collection for non-registered users", and enter: the amount to be paid (such as 50 yuan), the pin code left by the payee (input by user 3, To prove the identity of the withdrawer), click "Start Card Reading";

步骤2.D-RMB芯片卡：输入付款金额(如50元)，通过蓝牙、NFC等无线技术与手机通信，自动选取金额为50元的数字货币D_币50，开始与手机通信；Step 2. D-RMB chip card: input the payment amount (such as 50 yuan), communicate with the mobile phone through wireless technologies such as Bluetooth and NFC, automatically select the digital currency D_{coin 50} with an amount of 50 yuan, and start communication with the mobile phone;

步骤3.用户3手机客户端：解读交易规则及相关信息，验证相关合法性(如D_币50合法性，交易金额是否相符等)，通过后当面交易结束。在联机状态下自动将带有付款D-RMB芯片卡签名，含D_币支付交易信息以及个人预留密码的有关信息上报商业银行D-RMB系统；Step 3. User 3 mobile client: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D_{coin 50} , whether the transaction amount matches, etc.), and the face-to-face transaction ends after passing. In the online state, the relevant information with the payment D-RMB chip card signature, D_coin payment transaction information and personal reserved password will be automatically reported to the D-RMB system of the commercial bank;

步骤4.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币50合法性，交易金额是否与数字货币币值相符等)，执行相应操作，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 4. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D_{coin 50} , whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and reorganize the message to the central bank according to the transaction rules. The D-RMB system sends a request;

步骤5.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币50属主是否为D-RMB芯片卡1等)，执行相关操作，登记中心：对D_币属主进行更新，并留下收款人的密码；记录相应交易流水；Step 5. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as whether the owner of D_{coin 50} is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: Update the owner of D_coin , And leave the password of the payee; record the corresponding transaction flow;

步骤6.商业银行：发送信息提示验证成功并注意保管好密码。收款人在兑现时，需出示自己手机号及正确的预留密码。Step 6. Commercial Bank: Send a message to indicate that the verification is successful and take care to keep the password. The payee needs to present his mobile phone number and the correct reserved password when cashing out.

流程说明：D-RMB芯片卡对D-RMB芯片卡的离线支付。Process description: Offline payment from D-RMB chip card to D-RMB chip card.

适用D-RMB芯片卡形态：可视D-RMB芯片卡。Applicable D-RMB chip card form: visual D-RMB chip card.

场景说明：付款可视D-RMB芯片卡1有数字货币D_币100，D_币100'，以及D_币50，分别代表其拥有100元人民币两张和一张50元人民币，共计250元人民币，现需离线支付给可视收款D-RMB芯片卡2人民币200元。Scenario description: D-RMB chip card 1 has digital currency D_{coin 100} , D_{coin 100} ', and D_{coin 50} , which means that it has two 100 yuan and one 50 yuan, a total of 250 yuan, Offline payment is now required to the visual collection D-RMB chip card 2RMB 200.

步骤1.D-RMB芯片卡1：输入付款金额(如200元)，通过蓝牙、NFC等无线技术与手机通信，自动选取金额为200元的数字货币D_币100'以及D_币100，发送给D-RMB芯片卡2；Step 1. D-RMB chip card 1: Enter the payment amount (such as 200 yuan), communicate with the mobile phone through Bluetooth, NFC and other wireless technologies, automatically select the digital currency D_{coin 100} ' and D_{coin 100} with an amount of 200 yuan, and send to D-RMB chip card 2;

步骤2.D-RMB芯片卡2：解读交易规则及相关信息，验证相关合法性(如D_币100'、D_币100合法性，交易金额是否相符等)，通过后显示收款金额200，当面交易结束。待联机状态下(如通过个人终端读卡器联网)将带有付款用户D-RMB芯片卡1签名的含D_币支付交易信息上报商业银行D-RMB系统；Step 2. D-RMB chip card 2: Interpret the transaction rules and related information, verify the relevant legitimacy (such as D_{coin 100} ', D_{coin 100} legitimacy, whether the transaction amount matches, etc.), after passing the payment amount of 200 will be displayed, face to face The deal is over. In the online state (such as networking through a personal terminal card reader), report the payment transaction information containing D_currency with the signature of the paying user's D-RMB chip card 1 to the D-RMB system of the commercial bank;

步骤3.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币100'、D_币100合法性，交易金额是否与数字货币币值相符等)，执行相应操作，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as D_{coin 100} ', D_{coin 100} legitimacy, whether the transaction amount is consistent with the digital currency value, etc.), perform corresponding operations, and renew according to the transaction rules. Organize messages to send requests to the central bank's D-RMB system;

步骤4.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100，D_币100'属主是否为D-RMB芯片卡1等)，执行相关操作，登记中心：补记相应流水，更新D_币100'、D_币100属主，将绑定的D-RMB芯片卡1钱包地址改为D-RMB芯片卡2钱包地址；Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as D_{coin 100} , whether the owner of D_{coin 100} is a D-RMB chip card 1, etc.), perform relevant operations, and the registration center: fill in the corresponding Running water, update the owner of D_{coin 100} ' and D_{coin 100} , and change the bound D-RMB chip card 1 wallet address to D-RMB chip card 2 wallet address;

步骤5.商业银行：发送信息提示验证成功并写D-RMB芯片卡2上D_币状态为验证通过可正常使用。Step 5. Commercial bank: Send a message indicating that the verification is successful and write the D-_coin status on the D-RMB chip card 2 as verified and can be used normally.

关于离线支付过程中的找零问题，因为是完全模拟面值发行，则如同现金交易，在有零钱条件下可按双向全款支付设计来实现找零。如果数字货币按照最小单位发行，则不存在找零问题。Regarding the issue of change in the offline payment process, because it is a complete simulation of face value issuance, it is like a cash transaction. Under the condition of change, the change can be realized according to the design of two-way full payment. If the digital currency is issued in the smallest unit, there is no change problem.

以下再对存款流程加以说明。The deposit process is explained below.

流程说明：用户将D-RMB芯片卡内D_币存入银行账号。Process description: The user deposits the D_coins in the D-RMB chip card into the bank account.

适用D-RMB芯片卡形态：全形态Applicable D-RMB chip card form: full form

场景说明：用户的D-RMB芯片卡1有数字货币D_币100，D_币100'，D_币50，分别代表其拥有100元人民币两张和一张50元人民币，共计250元人民币，其可通过商业银行柜面、ATM机、网上银行或手机银行操作将D_币存储到自己的银行账户B_账号中，不同渠道读卡设备不同，大体流程相同，这里不一一进行阐述，仅以ATM机为例进行步骤说明。Scenario description: The user's D-RMB chip card 1 has digital currency D_{coin 100} , D_{coin 100} ', D_{coin 50} , which means that he has two 100 yuan and one 50 yuan, a total of 250 yuan, which can be Store D_coins in your own bank account B_account through commercial bank counters, ATM machines, online banking or mobile banking operations. Different channels have different card reading devices, and the general process is the same. I will not explain them one by one here. Only ATM machines are used. Take the steps as an example.

步骤说明：Step Instructions:

步骤1.用户向ATM机中插入银行卡以及D-RMB芯片卡(ATM也支持挥卡操作，所以也能够支持手机-XX形态的D-RMB芯片卡)，选择D-RMB存款业务；Step 1. The user inserts the bank card and the D-RMB chip card into the ATM machine (the ATM also supports the card swipe operation, so it can also support the D-RMB chip card in the form of mobile phone-XX), and select the D-RMB deposit service;

步骤2.ATM机：提示用户输入存款金额；Step 2. ATM machine: prompt the user to input the deposit amount;

步骤3.用户：输入存款金额250元，并点击确定；Step 3. User: Enter the deposit amount of 250 yuan, and click OK;

步骤4.ATM机：ATM从D-RMB芯片卡内取出D_币100、D_币100'、D_币50，并验证真伪以及属主，验证通过后，将银行卡号及D_币100、D_币100'、以及D_币50根据交易规则组织相关信息发送到银行卡开户商业银行D-RMB系统；Step 4. ATM machine: The ATM takes out D_{coins 100} , D_{coins 100} ', and D_{coins 50} from the D-RMB chip card, and verifies the authenticity and the owner. After the verification is passed, the bank card number, D_{coins 100} , D_{coins 100} ', and D_{currency 50} organize relevant information according to the transaction rules and send it to the D-RMB system of the commercial bank where the bank card is opened;

步骤5.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币100、D_币100'、D_币50合法性，银行卡合法性，交易金额是否与数字货币币值相符等)，执行相应操作，银行库：收D_币100、D_币100'、D_币50，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 5. Commercial bank: Interpret the transaction rules and related information, and verify the relevant legality (such as the legality of D_{currency 100} , D_{currency 100} ', D_{currency 50} , the legality of the bank card, whether the transaction amount is consistent with the value of the digital currency, etc.), Execute the corresponding operation, the bank library: receive D_{coins 100} , D_{coins 100} ', D_{coins 50} , and reorganize the message according to the transaction rules to send a request to the central bank's D-RMB system;

步骤6.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100、D_币100'、D_币50属主是否为D-RMB芯片卡1等)，执行相关操作，登记中心：更新D_币100、D_币100'、D_币50属主，将绑定的D-RMB芯片卡1钱包地址改为对应商业银行代码；记录相关流水；Step 6. Central Bank: Interpret the transaction rules and related information, verify the relevant legality (such as whether the owner of D_{coin 100} , D_{coin 100} ', D_{coin 50} is a D-RMB chip card 1, etc.), perform relevant operations, and register with the center : Update the owner of D_{Coin 100} , D_{Coin 100} ', D_{Coin 50} , change the wallet address of the bound D-RMB chip card 1 to the corresponding commercial bank code; record the relevant flow;

步骤7.商业银行：在用户的B账户中增加250元；反馈相关信息；Step 7. Commercial bank: add 250 yuan to the user's B account; feedback relevant information;

步骤8.ATM机：提示存款完成，请用户取回银行卡以及D-RMB芯片卡。Step 8. ATM machine: prompting that the deposit is completed, please take back the bank card and D-RMB chip card.

以下再对兑现流程加以说明。The redemption process will be described below.

流程说明：用户将D-RMB芯片卡内D_币兑换为实物现金。Process description: The user exchanges the D_currency in the D-RMB chip card into physical cash.

适用D-RMB芯片卡形态：全形态Applicable D-RMB chip card form: full form

场景说明：用户的D-RMB芯片卡1有数字货币D_币100，D_币100'，D_币50，Scenario description: The user's D-RMB chip card 1 has digital currency D_{coins 100} , D_{coins 100} ', D_{coins 50} ,

分别代表其拥有100元人民币两张和一张50元人民币，共计250元人民币，其可通过商业银行柜面、ATM机申请将D_币兑换为实物现金，现以ATM机兑换100元纸币为例进行步骤说明。It means that he owns two pieces of 100 yuan and one piece of 50 yuan, totaling 250 yuan, and he can apply for the exchange of D_currency into physical cash through commercial bank counters and ATM machines. Now take the ATM machine for 100 yuan banknotes as an example Step-by-step instructions.

步骤说明：Step Instructions:

步骤1.用户将D-RMB芯片卡插入ATM，(ATM也支持挥卡操作，所以也能够支持手机-XX形态的D-RMB芯片卡)选择兑换现金业务，输入兑换金额为100元；Step 1. The user inserts the D-RMB chip card into the ATM, (the ATM also supports the card swipe operation, so it can also support the D-RMB chip card in the form of mobile phone-XX), select the cash exchange business, and enter the exchange amount as 100 yuan;

步骤2.ATM及D-RMB芯片卡：自动选取金额为100元数字货币D_币100，根据交易规则组织相关信息发送到商业银行D-RMB系统；Step 2. ATM and D-RMB chip card: automatically select the amount of 100 yuan digital currency D_{coins 100} , organize relevant information according to the transaction rules and send it to the commercial bank D-RMB system;

步骤3.商业银行：解读交易规则及相关信息，验证相关合法性(如D_币100合法性，交易金额是否与数字货币币值相符等)，执行相应操作，银行库：收D_币100，并根据交易规则重新组织报文向央行D-RMB系统发送请求；Step 3. Commercial bank: Interpret the transaction rules and related information, verify the relevant legality (such as the legality of D_{coin 100} , whether the transaction amount is consistent with the value of the digital currency, etc.), perform corresponding operations, bank library: receive D_{coin 100} , and according to The transaction rules reorganize the message and send a request to the central bank's D-RMB system;

步骤4.中央银行：解读交易规则及相关信息，验证相关合法性(如D_币100属主是否为D-RMB芯片卡1等)，执行相关操作，登记中心：更新D_币100属主，将绑定的D-RMB芯片卡1钱包地址改为对应商业银行代码；记录相关流水；Step 4. Central Bank: Interpret the transaction rules and related information, verify the relevant legitimacy (such as whether the owner of D_{Coin 100} is a D-RMB chip card 1, etc.), and perform relevant operations. Registration Center: Update the owner of D_{Coin 100} , and put Change the wallet address of the bound D-RMB chip card 1 to the corresponding commercial bank code; record the relevant flow;

步骤5.商业银行：反馈相关信息；Step 5. Commercial bank: feedback relevant information;

步骤6.ATM：点钞吐给用户100元纸币；退回完成交易。Step 6. ATM: Count the money and spit out 100 yuan banknotes to the user; return it to complete the transaction.

以下再对D-RMB芯片卡作为数字货币载体时的重复交易检测加以说明。在本发明实施方式中，即在线交易情况下，D-RMB系统通过D_币与用户卡号11绑定方式来防重复交易。D-RMB系统中登记中心有一权属登记表，记录表样式可设计如表1：The following describes the repeated transaction detection when the D-RMB chip card is used as a digital currency carrier. In the embodiment of the present invention, that is, in the case of online transactions, the D-RMB system prevents repeated transactions by binding the D_coin to the user's card number 11 . The registration center in the D-RMB system has an ownership registration form, and the style of the record form can be designed as shown in Table 1:

表1：Table 1:

数字货币名digital currency name属主owner备注RemarkPbc100adfkl09987766670Pbc100adfkl09987766670ICC00000001ICC00000001D_币100D_{Coin 100}……...……...……...Pbc50cadfkl09987766670Pbc50cadfkl09987766670ICC00000002ICC00000002D_币50D_{Coin 50}

用户D-RMB芯片卡1(D-RMB芯片卡唯一标识号ICC00000001)在向用户D-RMB芯片卡2(D-RMB芯片卡唯一标识号ICC00000002)支付D_币100过程中，D-RMB系统登记中心权属登记表：更改D_币100对应属主，将属主字段中原手机号ICC00000001对应的钱包地址更改为手机号ICC00000002对应的钱包地址，如果用户D-RMB芯片卡1还想用D_币100向其它用户D-RMB芯片卡支付，此时其属主已不是用户D-RMB芯片卡1，无法完成支付，以此来防止重复支付。When the user D-RMB chip card 1 (D-RMB chip card unique identification number ICC00000001) pays D_{coins 100} to user D-RMB chip card 2 (D-RMB chip card unique identification number ICC00000002), the D-RMB system registers Central ownership registration form: change the owner corresponding to D_{coin 100} , change the wallet address corresponding to the original mobile phone number ICC00000001 in the owner field to the wallet address corresponding to the mobile phone number ICC00000002, if the user D-RMB chip card 1 still wants to use D_{coin 100} To pay to other users' D-RMB chip card, the owner is no longer the user's D-RMB chip card 1, and the payment cannot be completed, so as to prevent repeated payment.

离线交易情况下，通过滞后重复支付检查来发现并追责，目前几乎所有的电子现金系统进行的重复支付检查都是滞后的，即重复支付检查都是在支付过程完成后进行的。In the case of offline transactions, it is found and held accountable by lagging duplicate payment checks. At present, almost all electronic cash systems perform duplicate payment checks with a lag, that is, duplicate payment checks are performed after the payment process is completed.

同时可设定的交易为小额支付(小于1000元)，对于个人用户是一个可以接受的范围，并且采用事后追责机制，对不良记录将录入征信系统以作惩戒。At the same time, the transactions that can be set are micro-payments (less than 1,000 yuan), which is an acceptable range for individual users, and a post-event accountability mechanism is adopted. Bad records will be entered into the credit reporting system for punishment.

以下再对本发明实施方式中的使用数字货币芯片卡进行数字货币支付的方法和系统作进一步详细说明。The method and system for digital currency payment using a digital currency chip card in the embodiments of the present invention will be further described in detail below.

应用场景总览Application Scenario Overview

如下示出了本发明实施方式的使用数字货币芯片卡进行离线支付的应用场景，该应用场景包括：An application scenario of using a digital currency chip card for offline payment according to an embodiment of the present invention is shown as follows, and the application scenario includes:

付款用户在其持有的数字货币芯片卡(以下简称D-RMB芯片卡)中存有两个面值为100元的数字货币(以下简称D_币)，一个面值为50元的D_币，即该用户拥有两张100元人民币和一张50元人民币，共计250元人民币。In the digital currency chip card (hereinafter referred to as D-RMB chip card) held by the paying user, there are two digital currencies with a face value of 100 yuan (hereinafter referred to as D_coins ), and one D_coin with a face value of 50 yuan, that is, the Users have two 100 yuan and one 50 yuan, a total of 250 yuan.

假设该付款用户在购物过程中需要通过POS机支付给商家200元人民币，并且商家的POS机处于脱机状态，交易双方无法在有网络环境中完成交易，因此商家在POS机上选择离线支付方式。Suppose the paying user needs to pay 200 RMB to the merchant through the POS machine during the shopping process, and the merchant's POS machine is offline, and both parties to the transaction cannot complete the transaction in a network environment, so the merchant chooses the offline payment method on the POS machine.

示例性方法Exemplary method

下面结合上述的应用场景，参考图7对本发明示例性实施方式的方法进行介绍。该方法包括：The method of the exemplary embodiment of the present invention will be described below with reference to FIG. 7 in combination with the above application scenarios. The method includes:

步骤A1：受理终端设备在未与商业银行数字货币系统建立网络连接的情况下，接收交易金额；Step A1: The acceptance terminal device receives the transaction amount without establishing a network connection with the digital currency system of the commercial bank;

步骤A2：用户终端设备通过近距离无线连接方式从受理终端设备获取交易金额，并将交易信息发送至受理终端设备，交易信息包括数字货币芯片卡信息以及与交易金额等值的数字货币；Step A2: the user terminal device obtains the transaction amount from the accepting terminal device through a short-range wireless connection, and sends the transaction information to the accepting terminal device, and the transaction information includes the digital currency chip card information and the digital currency equivalent to the transaction amount;

步骤A3：受理终端设备与商业银行数字货币系统建立网络连接之后，受理终端设备将交易信息发送至商业银行数字货币系统；Step A3: After the acceptance terminal device establishes a network connection with the commercial bank digital currency system, the acceptance terminal device sends the transaction information to the commercial bank digital currency system;

步骤A4：商业银行数字货币系统在接收到交易信息后，向中央银行数字货币系统发送变更属主的请求；Step A4: After receiving the transaction information, the commercial bank digital currency system sends a request to change the owner to the central bank digital currency system;

步骤A5：中央银行数字货币系统在接收到变更属主的请求后，将数字货币的属主变更为受理终端设备对应的商户代码。Step A5: After receiving the request to change the owner, the central bank digital currency system changes the owner of the digital currency to the merchant code corresponding to the acceptance terminal device.

可选地，近距离无线连接方式包括：NFC、红外线或蓝牙。Optionally, the short-range wireless connection method includes: NFC, infrared or Bluetooth.

可选地，受理终端接收付款信息的操作之后，还包括：确认数字货币的属主与数字货币芯片卡相符以及确认交易金额与数字货币的币值相符。Optionally, after the accepting terminal receives the payment information, it further includes: confirming that the owner of the digital currency is consistent with the digital currency chip card and confirming that the transaction amount is consistent with the currency value of the digital currency.

可选地，商业银行数字货币系统向中央银行数字货币系统发送变更属主的请求的操作之前，还包括：确认数字货币的合法性、确认数字货币的属主是数字货币芯片卡、确认交易金额与数字货币的币值相符以及确认商户的账户正常使用。Optionally, before the operation of the commercial bank digital currency system sending a request to change the owner to the central bank digital currency system, the operation further includes: confirming the legitimacy of the digital currency, confirming that the owner of the digital currency is the digital currency chip card, and confirming the transaction amount. It is consistent with the currency value of the digital currency and confirms that the merchant's account is in normal use.

可选地，中央银行数字货币系统将数字货币的属主变更为受理终端设备对应的商户代码的操作之前，还包括：确认数字货币的属主是数字货币芯片卡以及确认交易金额与数字货币的币值相符。Optionally, before the operation of changing the owner of the digital currency to accept the merchant code corresponding to the terminal device, the central bank digital currency system further includes: confirming that the owner of the digital currency is the digital currency chip card and confirming the transaction amount and the digital currency. The currency values match.

可选地，数字货币芯片卡包括以下形态：可视蓝牙IC卡形态、IC卡形态、手机-eSE卡形态、手机-安全SD卡形态、手机-SIM卡形态。Optionally, the digital currency chip card includes the following forms: a visible Bluetooth IC card form, an IC card form, a mobile phone-eSE card form, a mobile phone-secure SD card form, and a mobile phone-SIM card form.

可选地，受理终端设备是POS收款机或手机刷卡器。Optionally, the acceptance terminal device is a POS cash register or a mobile phone card reader.

可选地，变更待支付的数字货币的属主包括：将权属登记信息中数字货币的钱包地址改为受理终端设备对应对应的商户代码。Optionally, changing the owner of the digital currency to be paid includes: changing the wallet address of the digital currency in the ownership registration information to the merchant code corresponding to the accepting terminal device.

可选地，将数字货币的属主变更为受理终端设备对应的商户代码的操作之后，还包括：商业银行数字货币系统向用户终端设备和受理终端设备发送用于表示交易成功的提示信息。Optionally, after the operation of changing the owner of the digital currency to the merchant code corresponding to the accepting terminal device, the operation further includes: the commercial bank digital currency system sending prompt information indicating that the transaction is successful to the user terminal device and the accepting terminal device.

下面结合具体实施例对本发明进行具体描述，然而值得注意的是该具体实施例仅是为了更好地描述本发明，并不构成对本发明的不当限定。The present invention will be specifically described below with reference to specific embodiments. However, it should be noted that the specific embodiments are only for better description of the present invention, and do not constitute an improper limitation of the present invention.

实施例一Example 1

由于交易双方均处于暂时无法联网的环境中，因此为顺利促成交易，商家可以在受理终端设备(以下简称POS机)上选择离线支付方式，然后输入收款金额200元。Since both parties to the transaction are in an environment where the Internet is temporarily unavailable, in order to facilitate the transaction, the merchant can select the offline payment method on the acceptance terminal device (hereinafter referred to as the POS machine), and then enter the payment amount of 200 yuan.

首先，付款用户的移动终端(例如手机)通过NFC、红外线或者蓝牙与商家的POS机建立近距离无线通信连接，选取该付款用户的数字货币芯片卡(以下简称D-RMB芯片卡)中交易金额为200元的数字货币(以下简称D_币)，并将交易信息发送至该POS机；其中，交该易信息包括D-RMB芯片卡信息以及D_币100、D_币100'以及D_币50，该近距离无线连接方式可以从NFC、红外线或蓝牙这几种近距离无线通信方式中任意选择，并且该数字货币芯片卡可以是可视蓝牙IC卡、普通IC卡、手机内嵌IC卡、手机内置安全SD卡、手机SIM卡或手机云SE形态。First, the payment user's mobile terminal (such as a mobile phone) establishes a short-range wireless communication connection with the merchant's POS machine through NFC, infrared or Bluetooth, and selects the transaction amount in the payment user's digital currency chip card (hereinafter referred to as D-RMB chip card). It is 200 yuan of digital currency (hereinafter referred to as D_currency ), and the transaction information is sent to the POS machine; wherein, the transaction information includes D-RMB chip card information and D_{currency 100} , D_{currency 100} ' and D_{currency 50} , The short-range wireless connection method can be arbitrarily selected from several short-range wireless communication methods such as NFC, infrared or Bluetooth, and the digital currency chip card can be a visible bluetooth IC card, a common IC card, a mobile phone embedded IC card, a mobile phone Built-in secure SD card, mobile phone SIM card or mobile phone cloud SE form.

该POS机通过调用数字货币系统(以下简称D-RMB系统)的支付插件，获取该交易信息并对该交易信息进行合法性检查。在本发明一实施例中，合法性检查包括：确认数字货币的属主与该D-RMB芯片卡相符、确认付款金额与D_币的币值相符。待确认通过之后，POS机打印收款凭条，此时，付款用户与商家的当面交易结束。The POS machine obtains the transaction information by calling the payment plug-in of the digital currency system (hereinafter referred to as the D-RMB system) and checks the legality of the transaction information. In an embodiment of the present invention, the legality check includes: confirming that the owner of the digital currency is consistent with the D-RMB chip card, and confirming that the payment amount is consistent with the currency value of the D-_coin . After the confirmation is passed, the POS machine prints the receipt, and at this time, the face-to-face transaction between the paying user and the merchant ends.

待该POS机能够接入网络之后，也就是说，该POS机与商业银行D-RMB系统建立网络连接之后，该POS机向商业银行D-RMB系统发送确认重复支付请求，并根据预设的交易规则将交易信息发送至商业银行D-RMB系统。After the POS machine can access the network, that is to say, after the POS machine establishes a network connection with the D-RMB system of the commercial bank, the POS machine sends a confirmation repeat payment request to the D-RMB system of the commercial bank, and according to the preset The transaction rules send transaction information to the commercial bank D-RMB system.

在接收到上述信息后，商业银行D-RMB系统根据预设的交易规则解读上述信息，并确认上述信息的合法性。具体来说，确认合法性包括：D_币100、D_币100'以及D_币50的合法性以及D_币的属主与该D-RMB芯片卡相符、确认商家的银行账号可用等。待确认通过之后，商业银行D-RMB系统根据预设的安全协议将交易涉及的相关信息向中央银行D-RMB系统发送变更交易的D_币的属主的请求。After receiving the above information, the D-RMB system of the commercial bank interprets the above information according to the preset transaction rules, and confirms the legitimacy of the above information. Specifically, confirming the legitimacy includes: the legitimacy of D_{coin 100} , D_{coin 100} ' and D_{coin 50} , the owner of D_coin is consistent with the D-RMB chip card, confirming that the merchant's bank account is available, etc. After the confirmation is passed, the D-RMB system of the commercial bank sends the relevant information involved in the transaction to the D-RMB system of the central bank according to the preset security protocol, and sends a request to change the owner of the D_coin in the transaction.

中央银行D-RMB系统在收到支付请求之后，通过解读该交易规则及相关信息，并且确认这些信息的合法性。After receiving the payment request, the central bank D-RMB system interprets the transaction rules and related information, and confirms the legitimacy of the information.

在本发明一实施例中，确认合法性包括：D_币100、D_币100'、D_币50的合法性，D_币的属主是否为该存款用户的D-RMB芯片卡等。待确认通过之后，中央银行D-RMB系统的登记中心就更改D_币100、D_币100'、D_币50的属主，即将付款用户在权属登记信息中D-RMB芯片卡的钱包地址改为商户的商业银行代码，并且记录本次交易流水。在本发明一实施例中，D-RMB芯片卡所对应的钱包地址包括该数字货币芯片卡的卡号的哈希值。In an embodiment of the present invention, confirming the legitimacy includes: the legitimacy of D_{coin 100} , D_{coin 100} ', D_{coin 50} , whether the owner of D_coin is the D-RMB chip card of the depositing user, and the like. After the confirmation is passed, the registration center of the central bank's D-RMB system will change the owner of D_{coin 100} , D_{coin 100} ', and D_{coin 50} , that is, the wallet address of the D-RMB chip card in the ownership registration information of the paying user will be changed. It is the commercial bank code of the merchant and records the current transaction flow. In an embodiment of the present invention, the wallet address corresponding to the D-RMB chip card includes a hash value of the card number of the digital currency chip card.

最后，商业银行D-RMB系统向该商家的POS机发送用于表示交易成功的提示信息，并在该商家的账户内增加相应金额(250元)。Finally, the D-RMB system of the commercial bank sends a prompt message indicating that the transaction is successful to the POS machine of the merchant, and adds a corresponding amount (250 yuan) to the merchant's account.

实施例二Embodiment 2

在本发明的实施例中使用数字货币芯片卡进行离线支付的方法是商家的POS机自动将D_币转存到商家收款账户。In the embodiment of the present invention, the method for offline payment by using the digital currency chip card is that the merchant's POS machine automatically transfers the D_currency to the merchant's collection account.

具体来说，付款用户的移动终端通过近距离无线连接方式(NFC、红外线或蓝牙)与商家的POS机建立通信连接，选取账户中金额为200元的D_币100、D_币100'、D_币50发送至该POS机；待POS机接收D_币之后，对接收的D_币进行合法性检查。在本发明一实施例中，该POS机需校验D_币金额是否等值。在校验通过之后当面交易结束，并打印收款凭条。Specifically, the mobile terminal of the paying user establishes a communication connection with the merchant's POS machine through a short-range wireless connection (NFC, infrared or bluetooth), and selects D_{coin 100} , D_{coin 100} ', D_coin with an amount of 200 yuan in the account₅₀ is sent to the POS machine; after the POS machine receives the D_coin , the validity of the received D_coin is checked. In an embodiment of the present invention, the POS machine needs to check whether the amount of D_coins is equivalent. After the verification is passed, the face-to-face transaction ends, and the receipt is printed.

待POS机能够接入网络后，根据预设的交易规则将交易信息、收到D-RMB芯片卡信息和D_币以及商家的银行账号等信息发送至商业银行D-RMB系统。After the POS machine can be connected to the network, according to the preset transaction rules, the transaction information, the received D-RMB chip card information and D_coins , and the merchant's bank account number are sent to the commercial bank D-RMB system.

商业银行D-RMB系统解读该交易规则及相关信息，并对这些信息进行合法性确认，然后商业银行D-RMB系统的银行库就收D_币100、D_币100'、D_币50，并将这些信息发送至中央银行D-RMB系统。The commercial bank D-RMB system interprets the transaction rules and related information, and confirms the legality of these information, and then the bank library of the commercial bank D-RMB system receives D_{coins 100} , D_{coins 100} ', D_{coins 50} , and will This information is sent to the central bank D-RMB system.

中央银行D-RMB系统通过解读交易规则及相关信息，并确认这些信息合法性。在本发明一实施例中，确认合法性包括：D_币属主是该D-RMB芯片卡，交易金额与D_币的币值相符等。待确认之后，中央银行D-RMB系统的登记中心就更改D_币100、D_币100'、D_币50的属主，即将在权属登记信息中D-RMB芯片卡的钱包地址改为该POS机对应的商家代码，并且记录本次交易流水。在本发明一实施例中，D-RMB芯片卡所对应的钱包地址包括该数字货币芯片卡的卡号的哈希值。The D-RMB system of the central bank interprets the transaction rules and related information and confirms the legitimacy of the information. In an embodiment of the present invention, confirming the legitimacy includes: the owner of the D_coin is the D-RMB chip card, the transaction amount is consistent with the currency value of the D_coin , and the like. After confirmation, the registration center of the central bank's D-RMB system will change the owner of D_{coin 100} , D_{coin 100} ', and D_{coin 50} , that is, the wallet address of the D-RMB chip card in the ownership registration information will be changed to the POS The merchant code corresponding to the machine, and record the current transaction flow. In an embodiment of the present invention, the wallet address corresponding to the D-RMB chip card includes a hash value of the card number of the digital currency chip card.

最后，商业银行D-RMB系统向该商家的银行账号增加相应金额，反馈相关信息，并且该POS机打印凭条。Finally, the D-RMB system of the commercial bank adds the corresponding amount to the merchant's bank account, feeds back the relevant information, and the POS machine prints the receipt.

如图8所示，为本发明还提供的一种使用数字货币芯片卡进行离线支付的系统结构图，该系统8包括：用户终端设备B1、受理终端设备B2、商业银行数字货币系统B3以及中央银行数字货币系统B4，其中，As shown in FIG. 8, it is a system structure diagram of using a digital currency chip card for offline payment provided by the present invention. Thesystem 8 includes: a user terminal device B1, an acceptance terminal device B2, a commercial bank digital currency system B3 and a central Bank digital currency system B4, wherein,

受理终端设备B2，用于在未与商业银行数字货币系统B3建立网络连接的情况下，接收交易金额，并且在与商业银行数字货币系统B3建立连接之后，受理终端设备B2将交易信息发送至商业银行数字货币系统B3；The acceptance terminal device B2 is used to receive the transaction amount without establishing a network connection with the commercial bank digital currency system B3, and after establishing a connection with the commercial bank digital currency system B3, the acceptance terminal device B2 sends the transaction information to the commercial bank. Bank digital currency system B3;

用户终端设备B1，通过近距离无线连接方式从受理终端设备B2获取交易金额，并将交易信息发送至受理终端设备B2，交易信息包括数字货币芯片卡信息以及与交易金额等值的数字货币；The user terminal device B1 obtains the transaction amount from the accepting terminal device B2 through a short-range wireless connection, and sends the transaction information to the accepting terminal device B2. The transaction information includes the digital currency chip card information and the digital currency equivalent to the transaction amount;

商业银行数字货币系统B3，用于在接收到交易信息后，向中央银行数字货币系统B4发送变更属主的请求；The commercial bank digital currency system B3 is used to send a request to change the owner to the central bank digital currency system B4 after receiving the transaction information;

中央银行数字货币系统B4，用于在接收到变更属主的请求后，将数字货币的属主变更为受理终端设备B2对应的商户代码。The central bank digital currency system B4 is used to change the owner of the digital currency to the merchant code corresponding to the acceptance terminal device B2 after receiving a request for changing the owner.

可选地，近距离无线连接方式包括：NFC、红外线或蓝牙。Optionally, the short-range wireless connection method includes: NFC, infrared or Bluetooth.

可选地，受理终端还用于：确认数字货币的属主与数字货币芯片卡相符以及确认交易金额与数字货币的币值相符。Optionally, the accepting terminal is also used to: confirm that the owner of the digital currency is consistent with the digital currency chip card and confirm that the transaction amount is consistent with the currency value of the digital currency.

可选地，商业银行数字货币系统B3还用于：确认数字货币的合法性、确认数字货币的属主是付款用户、确认交易金额与数字货币的币值相符以及确认商户的账户正常使用。Optionally, the commercial bank digital currency system B3 is also used for: confirming the legality of the digital currency, confirming that the owner of the digital currency is the paying user, confirming that the transaction amount is consistent with the currency value of the digital currency, and confirming that the merchant's account is in normal use.

可选地，中央银行数字货币系统B4还用于：确认数字货币的属主是数字货币芯片卡以及确认交易金额与数字货币的币值相符。Optionally, the central bank digital currency system B4 is further used for: confirming that the owner of the digital currency is the digital currency chip card and confirming that the transaction amount is consistent with the currency value of the digital currency.

可选地，数字货币芯片卡包括以下形态：可视蓝牙IC卡形态、IC卡形态、手机-eSE卡形态、手机-安全SD卡形态、手机-SIM卡形态。Optionally, the digital currency chip card includes the following forms: a visible Bluetooth IC card form, an IC card form, a mobile phone-eSE card form, a mobile phone-secure SD card form, and a mobile phone-SIM card form.

可选地，受理终端设备B2是POS收款机或手机刷卡器。Optionally, the acceptance terminal device B2 is a POS cash register or a mobile phone card reader.

可选地，变更待支付的数字货币的属主包括：将权属登记信息中数字货币的钱包地址改为受理终端设备B2对应对应的商户代码。Optionally, changing the owner of the digital currency to be paid includes: changing the wallet address of the digital currency in the ownership registration information to the merchant code corresponding to the accepting terminal device B2.

可选地，商业银行数字货币系统B3还用于：向用户终端设备B1和受理终端设备B2发送用于表示交易成功的提示信息。Optionally, the commercial bank digital currency system B3 is further configured to: send prompt information indicating that the transaction is successful to the user terminal device B1 and the acceptance terminal device B2.

由于本发明提供的使用数字货币芯片卡进行离线支付的系统是上述方法对应的装置，故在此不再赘述。Since the system for offline payment using a digital currency chip card provided by the present invention is a device corresponding to the above method, it will not be repeated here.

通过本发明提供的使用数字货币芯片卡进行离线支付的方法及系统，由于货币本身的数字化，因此不依赖任何银行账户和单一网络，不仅在保证支付安全的情况下，能够有效提升了消费者在消费过程中的支付体验。With the method and system for offline payment using digital currency chip card provided by the present invention, due to the digitization of currency itself, it does not rely on any bank account and a single network, not only in the case of ensuring payment security, but also can effectively improve the consumer's ability to pay. Payment experience in the process of consumption.

从便捷性上来讲，以卡基作为终端载体方案(以下简称“卡基方案”)系统部署便利，用户操作便捷性好、容易推广。In terms of convenience, the solution with card base as the terminal carrier (hereinafter referred to as "card base solution") is convenient for system deployment, convenient for users to operate, and easy to promote.

与市场其他代替纸币的货币系统相比，D-RMB初步具有便捷性好、安全性高等特点，便捷性表现在以下方面：Compared with other currency systems that replace banknotes in the market, D-RMB initially has the characteristics of good convenience and high security. The convenience is reflected in the following aspects:

在发行方式上，D-RMB为货币本身的数字化，不依赖任何银行账户和单一网络；In terms of issuance method, D-RMB is the digitization of the currency itself, and does not rely on any bank account and a single network;

在存储方式上，D-RMB的存储介质可以是手机，也可以是卡、磁盘、计算机等电子设备，为用户提供了多种选择。尤其是以手机为载体的D-RMB可以充分利用手机的键盘、显示、定位、存储、计算、通信等功能，还可二次开发，大大扩充支付场景和便捷性；In terms of storage mode, the storage medium of D-RMB can be a mobile phone, or an electronic device such as a card, a disk, a computer, etc., providing users with a variety of choices. In particular, D-RMB with mobile phone as the carrier can make full use of the functions of the mobile phone's keyboard, display, positioning, storage, computing, communication, etc., and can also be re-developed to greatly expand the payment scene and convenience;

在支付方式上，既可提供类似于纸币的当面付交易，也可提供类似于电子支付系统的网络远程支付交易，即可支持联机、也可支持脱机交易，方式便捷、灵活；In terms of payment methods, it can provide not only face-to-face payment transactions similar to paper money, but also network remote payment transactions similar to electronic payment systems, which can support online or offline transactions, which are convenient and flexible;

在交易速度上，付款速度比联机刷卡支付方式有很大提高。非常适于小额快速支付；In terms of transaction speed, the payment speed is greatly improved compared to the online credit card payment method. Very suitable for small and fast payments;

在使用习惯上，既可兼容原有的刷卡支付方式，也可提供面对面的数字货币支付，同时还可提供电子化的交易记录，便于理财统计，用户可接受度高。In terms of usage habits, it is compatible with the original card payment method, and can also provide face-to-face digital currency payment. At the same time, it can also provide electronic transaction records, which is convenient for financial statistics and highly acceptable to users.

安全性表现在以下方面：Security is manifested in the following aspects:

与其他数字货币系统相比，D-RMB数字货币是由现金数值转换而来的一系列电子加密序列数，通过这些加密序列数的转移来完成支付交易。币本身的安全性由密码算法来保护，可有效保障货币信息的机密性和完整性，安全性高；Compared with other digital currency systems, D-RMB digital currency is a series of electronic encrypted serial numbers converted from cash values, and payment transactions are completed through the transfer of these encrypted serial numbers. The security of the currency itself is protected by a cryptographic algorithm, which can effectively ensure the confidentiality and integrity of currency information, with high security;

D-RMB数字货币载体的安全性在移动终端利用芯片技术、在后台云端利用可信技术，实现端到端的安全；The security of D-RMB digital currency carrier utilizes chip technology in mobile terminals and trusted technology in the background cloud to achieve end-to-end security;

D-RMB数字货币交易系统的安全性一方面依赖于传统的电子支付系统安全技术，同时后台利用强大的D-RMB云计算系统，进一步保障了交易安全；The security of the D-RMB digital currency transaction system relies on the traditional electronic payment system security technology on the one hand, and the powerful D-RMB cloud computing system is used in the background to further ensure transaction security;

在用户隐私保护方面，通过“前台自愿、后台实名”的方式，既保证了用户隐私，又规避了非法交易的风险。In terms of user privacy protection, the method of "voluntary front-end and real-name back-end" not only ensures user privacy, but also avoids the risk of illegal transactions.

以上所述的具体实施例，对本发明的目的、技术方案和有益效果进行了进一步详细说明，所应理解的是，以上所述仅为本发明的具体实施例而已，并不用于限定本发明的保护范围，凡在本发明的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。The specific embodiments described above further describe the purpose, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above-mentioned specific embodiments are only specific embodiments of the present invention, and are not intended to limit the scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims (18)

1. A method for off-line payment using a digital currency chip card, comprising:

the acceptance terminal equipment receives the transaction amount under the condition that the network connection with the commercial bank digital currency system is not established;

the user terminal equipment acquires the transaction amount from the acceptance terminal equipment in a close-range wireless connection mode and sends transaction information to the acceptance terminal equipment, wherein the transaction information comprises digital currency chip card information and digital currency equivalent to the transaction amount;

after the acceptance terminal equipment establishes network connection with a commercial bank digital currency system, the acceptance terminal equipment sends the transaction information to the commercial bank digital currency system;

after receiving the transaction information, the commercial bank digital currency system sends a request for changing the owner to a central bank digital currency system;

and after receiving the request for changing the owner, the central bank digital currency system changes the owner of the digital currency into a merchant code corresponding to the acceptance terminal equipment.

2. The method of claim 1, wherein the short-range wireless connection comprises: NFC, infrared or bluetooth.

3. The method of claim 1, wherein after the operation of receiving the transaction information by the acceptance terminal, further comprising:

confirming that the owner of the digital currency conforms to the digital currency chip card and confirming that the transaction amount conforms to the currency value of the digital currency.

4. The method of claim 1, wherein prior to the operation of the commercial bank digital currency system sending a request to change owner to a central bank digital currency system, further comprising:

confirming the legality of the digital currency, confirming that the owner of the digital currency is the digital currency chip card, confirming that the transaction amount is consistent with the currency value of the digital currency, and confirming that the account of the merchant is normally used.

5. The method according to claim 1, wherein before the operation of the central bank digital currency system changing the owner of the digital currency to the merchant code corresponding to the acceptance terminal device, the method further comprises:

confirming that the owner of the digital currency is the digital currency chip card and confirming that the transaction amount corresponds to the currency value of the digital currency.

6. Method according to claim 1, characterized in that the digital currency chip card comprises the following modalities: the visual Bluetooth IC card form, the mobile phone-eSE card form, the mobile phone-secure SD card form and the mobile phone-SIM card form.

7. The method of claim 1, wherein the accepting terminal device is a POS register or a cell phone card reader.

8. The method of claim 1, wherein the altering the owner of the digital currency to be paid comprises:

and changing the wallet address of the digital currency in the ownership registration information into a merchant code corresponding to the acceptance terminal equipment.

9. The method according to claim 1, further comprising, after the operation of changing the owner of the digital money to a merchant code corresponding to the acceptance terminal device:

and the commercial bank digital currency system sends prompt information for indicating the success of the transaction to the user terminal equipment and the acceptance terminal equipment.

10. A system for off-line payments using digital currency chip cards, comprising: user terminal equipment, acceptance terminal equipment, a commercial bank digital currency system and a central bank digital currency system, wherein,

the acceptance terminal device is used for receiving transaction amount under the condition that the network connection with the commercial bank digital currency system is not established, and after the connection with the commercial bank digital currency system is established, the acceptance terminal device sends the transaction information to the commercial bank digital currency system;

the user terminal equipment acquires the transaction amount from the acceptance terminal equipment in a close-range wireless connection mode and sends transaction information to the acceptance terminal equipment, wherein the transaction information comprises digital currency chip card information and digital currency equivalent to the transaction amount;

the commercial bank digital currency system is used for sending an owner changing request to the central bank digital currency system after receiving the transaction information;

and the central bank digital currency system is used for changing the owner of the digital currency into a merchant code corresponding to the acceptance terminal device after receiving the request for changing the owner.

11. The system of claim 10, wherein the close-range wireless connection comprises: NFC, infrared or bluetooth.

12. The system of claim 10, wherein the acceptor terminal is further configured to:

confirming that the owner of the digital currency conforms to the digital currency chip card and confirming that the transaction amount conforms to the currency value of the digital currency.

13. The system of claim 10, wherein the commercial bank digital currency system is further configured to:

confirming the validity of the digital currency, confirming that the owner of the digital currency is a payment user, confirming that the transaction amount corresponds to the currency value of the digital currency, and confirming that the account of the merchant is normally used.

14. The system of claim 10, wherein the central bank digital currency system is further configured to:

confirming that the owner of the digital currency is the digital currency chip card and confirming that the transaction amount corresponds to the currency value of the digital currency.

15. System according to claim 10, characterized in that the digital currency chip card comprises the following modalities: the visual Bluetooth IC card form, the mobile phone-eSE card form, the mobile phone-secure SD card form and the mobile phone-SIM card form.

16. The system of claim 10, wherein the accepting terminal device is a POS register or a cell phone card reader.

17. The system of claim 10, wherein the altering the owner of the digital currency to be paid comprises:

and changing the wallet address of the digital currency in the ownership registration information into a merchant code corresponding to the acceptance terminal equipment.

18. The system of claim 10, wherein the commercial bank digital currency system is further configured to:

and sending prompt information for indicating the success of the transaction to the user terminal equipment and the acceptance terminal equipment.

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