CN107230074B

CN107230074B - Method and system for depositing digital currency into digital currency chip card

Info

Publication number: CN107230074B
Application number: CN201610180400.4A
Authority: CN
Inventors: 姚前; 李会锋; 温信祥; 李连三; 王栋兵; 刘浩; 赵欣; 唐晓雪; 刘文舒
Original assignee: Digital Currency Institute of the Peoples Bank of China
Current assignee: Digital Currency Institute of the Peoples Bank of China
Priority date: 2016-03-25
Filing date: 2016-03-25
Publication date: 2021-08-27
Anticipated expiration: 2036-03-25
Also published as: CN107230074A

Abstract

The invention provides a method and a system for depositing digital currency into a digital currency chip card, which realize the exchange between the digital currency and real currency, ensure the safety of a transaction environment in a transaction process and also provide a safe keeping way of the digital currency. The method of the invention comprises the following steps: the commercial bank digital currency system receives the amount information of physical cash of a conversion requester and the information of a digital currency chip card, then determines the digital currency participating in conversion according to the amount information, generates conversion request information according to the digital currency and the information of the digital currency chip card of the conversion requester, and then sends the conversion request information to the central bank digital currency system; the central bank digital currency system executes the operation of the preset item according to the exchange request information and returns the indication of successful operation to the commercial bank digital currency system; and after receiving the indication of successful operation, the commercial bank digital currency system writes the digital currency into a digital currency chip card of the conversion requester.

Description

Method and system for depositing digital currency into digital currency chip card

Technical Field

The invention relates to the technical field of computer networks and computer software, in particular to a method and a system for depositing digital currency into a digital currency chip card.

Background

Digital currency is currency that converts cash values into a series of electronically encrypted serial numbers, and the security of the currency itself relies on cryptographic algorithms to protect it. In the aspect of cryptographic algorithm, the security of the digital currency system relates to symmetric cipher, asymmetric cipher, message digest algorithm and identity-based cryptographic system, and the overall security of the cryptographic system, the selection of cryptographic algorithm, the implementation of cryptographic algorithm, the design of interactive protocol, the compatibility of international and domestic standards, etc. must be deeply considered in the aspect of system implementation to ensure the transaction security of the digital currency.

With the development and popularization of the mobile internet, the mobile payment industry is rapidly changed and promoted, business modes based on various technologies such as the mobile internet, NFC, HCE, Token, biological recognition and the like are continuously innovated, application scenes are continuously expanded and enriched, and the integrated development of online and offline businesses is accelerated. The new mobile payment technology provides diversified and convenient payment services for users, and leads the transformation, upgrading and development of industries such as communication, finance, internet and the like. The wide development prospect of mobile payment has become a wide consensus of the whole industry, and the mobile payment is considered to be an important cut-in point on a connecting line. The transaction system of digital currency should be designed with mobile payment as the core for business model.

In mobile payment business mode, the key storage carrier for digital currency can be provided by hardware SE modules (security modules), HCEs and TEEs. The hardware SE is widely applied to the prior debit and credit cards and electronic cash because the safe computing environment provided by the hardware SE is approved by the field of financial transactions, and has wide user foundation, good acceptance environment and use habit. With the continuous development of mobile payment technology, the form of the SE module is changed, and new solutions are practiced.

On a data transmission channel between a transaction acceptance terminal (POS machine) and a payment instrument (such as between a card and a mobile phone), there are currently a plurality of transmission modes: RF radio frequency communication, text messaging, code scanning, sound waves, photons, coexistence of multiple modes provides convenience for communication between payment carriers.

The authentication method can be classified into password-based authentication, password + smart card-based authentication, and biometric feature (fingerprint, face) based authentication. The password and the biometric authentication are mostly used for far-field payment, and the smart card authentication is mostly used for near-field payment.

Cloud computing is the mainstream direction of a background server side in the future, and a background system of digital currency should adopt a cloud-based solution.

In electronic commerce, the requirements for digital currency are different due to different roles: customers require digital currency to be convenient to use, safe to store and anonymous; the merchant requires the digital currency to be certifiable and to be exchanged into real currency; the bank requires that the digital money cannot be illegally used and forged, and thus, the digital money D-RMB should have the following characteristics:

1. safety: can prevent any party in the business from changing or illegally using the digital currency;

2. non-repeatable expense: the digital currency can be used only once, and the repeated cost can be easily checked;

3. controllable anonymity: the bank and the merchant are mutually hooked and cannot track the use of the digital currency, and the system cannot be required to link the purchasing behaviors of users of electronic cash together, so that the purchasing history of the users of the digital currency is concealed, but the issuer of the digital currency can track the use of the digital currency;

4. non-forgeability: digital currency that the user cannot counterfeit;

5. fairness: the payment process is fair, so that the transaction of both parties is successful or no loss is generated between both parties, and a certain transaction party is prevented from being damaged in the transaction;

6. compatibility: the issuing process and circulation link of digital currency in the D-RMB system refer to the issuing and circulation of physical currency as much as possible.

And for digital currency, the currency can be adapted to various use scenes of the existing currency and can be freely exchanged with the existing currency.

Digital currency is closely related to network technology, has payment and circulation properties, and can be used as a substitute for paper money. Digital currencies include digital gold currencies and cryptocurrency. In today's society, popular digital currencies include bitcoin, leite, bitstocks, and the like. In terms of bit currency, as long as both transaction parties can approve the transaction value, the bit currency can be used for real commodity and service transaction, but at present, each country does not approve the currency attribute of the bit currency, so that the functions of some currencies can be realized only in some private special occasions, and each link participating in economic activities like physical currency cannot be realized; meanwhile, how to safely keep the digital currency is also a problem to be solved urgently.

In summary, although digital currency can realize its currency function in some occasions, the following problems still exist compared with physical currency:

1. digital currency cannot be made compatible with the circulation of physical currency. In most countries, digital currency cannot be exchanged with physical currency; meanwhile, the currency attributes of most digital currencies are not acknowledged by countries, so that the currency functions of the digital currencies can be realized only in some special occasions, and the digital currencies cannot participate in each link of economic activities, so that the application range of the digital currencies is limited.

2. The transaction risk of digital currency is high. The transaction can be carried out as long as the transaction parties approve the transaction value of the transaction parties, so that a large transaction risk exists in the transaction process; meanwhile, the transaction platform is attacked, and the transaction is forged during the attack, so that the loss of both transaction parties can be caused.

3. Digital currency currently has no way of secure custody. The existing digital money is generally stored in a local wallet, and for example, when a trojan infects a user computer, the trojan automatically searches for a wallet data of the bit money in the computer and then sends the wallet data to an attacker, so that the bit money of the user is stolen.

Disclosure of Invention

In view of the above, the present invention provides a method and system for depositing digital money into a digital money chip card, so as to solve the above-mentioned disadvantages in the prior art. Other objects, effects, and advantages of the present invention can be derived from the embodiments.

To achieve the above object, according to one aspect of the present invention, there is provided a method of depositing digital money into a digital money chip card.

The method for depositing digital currency into the digital currency chip card comprises the following steps: the commercial bank digital currency system receives the amount information of physical cash of a conversion requester and the information of a digital currency chip card, then determines the digital currency participating in conversion according to the amount information, generates conversion request information according to the digital currency and the information of the digital currency chip card of the conversion requester, and then sends the conversion request information to the central bank digital currency system; the central bank digital currency system executes the operation of a preset item according to the conversion request information and returns the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency which is converted by the commercial bank digital currency system; and after receiving the indication of successful operation returned by the central bank digital currency system, the commercial bank digital currency system writes the digital currency into a digital currency chip card of the conversion requester.

Optionally, the step of performing an owner change of the digital currency that the commercial bank digital currency system participates in the conversion includes: the central bank digital currency system searches the record information of the digital currency according to the digital currency information in the exchange request information; the central bank digital currency system determines a wallet address corresponding to the digital currency chip card according to the digital currency chip card information in the exchange request information; and the central bank digital currency system modifies the owner of the digital currency in the recorded information into a wallet address corresponding to the digital currency chip card from the bank code of the commercial bank.

Optionally, before the step of determining the digital currency involved in the conversion according to the amount information, the method further includes: the commercial bank digital currency system confirms that the amount of digital currency in the system is not less than the amount of physical cash of the conversion requester.

Optionally, before the step of executing the operation of the preset item according to the redemption request information, the method further includes: and the central bank digital currency system confirms that the owner of the digital currency is the bank code of the commercial bank according to the digital currency information in the conversion request information.

Optionally, the wallet address corresponding to the digital currency chip card comprises a hash value of the card number of the digital currency chip card.

Optionally, 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.

According to another aspect of the invention, a system for depositing digital money on a digital money chip card is provided.

The system of the invention for depositing digital currency into a digital currency chip card comprises a commercial bank digital currency system and a central bank digital currency system, wherein: the commercial bank digital currency system is used for receiving the amount information of physical cash of the conversion requester and the digital currency chip card information, then determining the digital currency participating in conversion according to the amount information, then generating conversion request information according to the digital currency and the digital currency chip card information of the conversion requester, and then sending the conversion request information to the central bank digital currency system; and writing the digital currency into a digital currency chip card of the conversion requester after receiving an indication that the operation returned by the central bank digital currency system is successful; the central bank digital currency system is used for executing operation of preset items according to the conversion request information and returning indication of successful operation to the commercial bank digital currency system, and the operation of the preset items comprises operation of owner change of digital currency which participates in conversion of the commercial bank digital currency system.

Optionally, the central bank digital currency system is further configured to: searching the record information of the digital currency according to the digital currency information in the exchange request information; determining a wallet address corresponding to the digital currency chip card according to the digital currency chip card information in the exchange request information; and modifying the owner of the digital currency in the recorded information into a wallet address corresponding to the digital currency chip card from the bank code of the commercial bank.

Optionally, the commercial bank digital currency system is further configured to confirm that the amount of digital currency in the system is not less than the amount of physical cash of the conversion requester.

Optionally, the commercial bank digital currency system is further used for outputting prompt information indicating that the transaction cannot be carried out after confirming that the amount of the digital currency in the system is less than the amount of the physical cash of the conversion requester.

Optionally, the central bank digital currency system is further configured to confirm that the owner of the digital currency is the bank code of the commercial bank according to the digital currency information in the exchange request information.

Optionally, the central bank digital currency system is further configured to return a prompt indicating that the transaction cannot be performed to the commercial bank digital currency system after confirming that the owner of the digital currency is not the bank code of the commercial bank according to the digital currency information in the conversion request information.

According to the technical scheme of the invention, the use of digital currency is realized, the paper money is prevented from being printed, the issuing cost of the currency is saved, and the issued digital currency is not easy to lose and is safer; in addition, the provided digital currency can be compatible with the real currency in circulation, so that the exchange between the digital currency and the real currency can be realized, the digital currency can participate in each link of economic activities, the currency function of the digital currency can be realized in various occasions, and the problem that the use range of the digital currency is limited is solved; meanwhile, in the transaction process, each link is connected to the digital currency system of the central bank to complete, so that the security of the transaction environment in the transaction process is ensured, the counterfeiting of the transaction caused by attack is avoided, and the possibility of loss caused by both transaction parties is reduced; on the other hand, the provided digital currency chip card is authenticated by a central bank, and the quantity and quality of production and manufacture are strictly controlled by the central bank, so that the digital currency can be stored, the problem that the current digital currency has no safe keeping way is solved, and the digital currency is more convenient to carry along with the diversity of the digital currency chip card.

Drawings

FIG. 1 is a schematic diagram of the main flow of the operation of a prefabricated card in connection with an embodiment of the present invention;

FIG. 2 is a schematic diagram of a process for a user to register a D-RMB account in connection with an embodiment of the invention;

FIG. 3 is a schematic diagram of a D-RMB transaction process relating to an embodiment of the present invention;

FIG. 4 is a diagram illustrating one configuration of an overall framework when the D-RMB digital money system provides online services according to an embodiment of the present invention;

FIG. 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;

FIG. 6 is a schematic diagram of an architecture for interconnecting a commercial bank digital currency system with external systems, in accordance with an embodiment of the present invention;

FIG. 7 is a schematic diagram of a system for depositing digital currency into a digital currency chip card according to an embodiment of the present invention;

fig. 8 is a schematic diagram of a method of depositing digital money onto a digital money chip card according to an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered 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 in the following description for clarity and conciseness.

In the embodiment of the invention, a digital currency (hereinafter referred to as D-RMB) design scheme based on crypto-mathematics is described, and the main operation mode is that a central bank and each commercial bank together build a D-RMB system in a grading way. The central bank here is a currency issuing organization, such as the chinese people's bank. In the following description, a central bank is sometimes simply referred to as a "central bank", and similarly, a commercial bank is sometimes simply referred to as a "business bank". Further, the digital money is denoted by "D_{Coin (coin)}”。

The D-RMB system is based on D_{Coin (coin)}A funds transfer system for transactions operated jointly by a central bank with commercial banks. The D-RMB system comprises a D running on a core server of a particular digital center_{Coin (coin)}The system comprises an issuing module, a client login module, a client account management module, a transaction management module, a fraud detection module and a core service module, and also comprises terminal client programs needing to interact with a core server, such as a mobile phone and a notebook computer of a user end, and also comprises a server D_{Coin (coin)}The funds-transfer system operates over an open form of electronic communications network, including the internet, mobile communications networks, and so on, nationwide. Before discussing the D-RMB system, it is clear that:

1. and the method is compatible with the current physical currency circulation. The digital currency in the D-RMB system is stored through three links, namely a digital currency issuing bank at the central bank (namely digital currency fund); the bank of the commercial bank, namely the stock digital cash of the commercial bank; and thirdly, a client application program at the user end, namely the electronic wallet. During this different process, the D-RMB registration center will complete the relevant registration operation.

D-RMB digital currency does not use blind signatures. Limited anonymous protection during use.

The 3.D-RMB digital currency can be circulated by different networks, and can be stored in various electronic equipment terminals such as mobile phones, IC card chips, notebook computers and the like in an electronic digital form, and the discussion is mainly carried out by taking the mobile phones and the IC cards as carriers to store the D-RMB digital currency, but the D-RMB digital currency is not limited to only taking the mobile phones and the IC cards as the carriers.

The payment mode for the D-RMB system design relies on the transfer of D-RMB digital currency (D)_{Coin (coin)}Transaction).

5, the D-RMB system is subject to the relevant system requirements of cash management in China. The specific requirements are determined by the requirements of the business department.

6. To avoid a homogeneous competition with existing billing payment systems, the D-RMB system may be designed for limited-line payments.

To facilitate the subsequent description, the following notation is given:

enc: and encrypting, namely after downloading a private key from the IBC center, a user signs the sent information with the private key of the user and encrypts the information with the public key of the other party.

And Dec: and decrypting, specifically, the user decrypts the incoming text by using the own private key, and signs and confirms the information sent by the user by using the mobile phone number of the opposite party as a corresponding public key (or a direct public key).

D_Bank: the bank is a deposit account opened in the central system of the central bank for accounting.

D_{Coin (coin)}: the D-RMB digital currency generated by the finger row according to the own encryption mechanism is a string of characters and represents a certain amount of RMB.

D_{Coin 100}: D-RMB digital currency generated by the instruction row according to an own encryption mechanism is a string of numbers and represents 100 yuan RMB, and the like, and subscript numbers represent the actual RMB amount.

B_{Account number}: the bank account number of the bank where the user is located.

H (M): the hash operation is performed on M to obtain a value, where M may be a mobile phone number, an organization code, or a string of characters and numbers.

The D-RMB is used as digital currency, established by China's bank as legal currency, issued into circulation, and used as final credit to provide guarantee to participate in exchange, remittance and consumption in national standard architecture. It is a string of codes with the same monetary meaning as the "face value" in actual circulation. D-RMB digital currency simulates the issuing and managing process of paper currency in the central row, and digital currency is generated at one time according to the issuing amount of the current digital currency in the central row in a D-RMB issuing bank.

In the design of D-RMB system, D_{Coin (coin)}The system can be generated according to the minimum unit denomination, the specific withdrawal amount of a user, the real-object currency denomination in circulation, and the specific mode which can be set in the initial process through system parameters. For the sake of closeness, the fixed denomination in circulation is taken as an example for the following explanation.

The D-RMB in the distribution library completely simulates the face value in circulation, the printing generates digital representation of 'one circle, five circle, puzzling circle, two puzzling circle, five puzzling circle, one herborist circle' and the like, and the encrypted text represents the D-RMB digital currency of the face value.

Producing D-RMB at a fixed denomination, e.g., producing a representative D-RMB according to the fifth set (production required: D)_{Coin 1}、D_{Coin 5}、D_{Coin 10}、D_{Coin 20}、D_{Coin 50}、D_{Coin 100}) Then:

step 1: six basic encryption ciphers are generated from the master cipher and the numbers 1, 5, 10, 20, 50 and 100, respectively.

Step 2: the system random number is generated by a hash algorithm. The random number may be understood as a crown number.

And step 3: the encryption password is generated by encrypting a basic encryption password representing different currency values and a random number.

And 4, step 4: the secret password is signed by the private key of the central row, and represents the generation of a new coin. If the payee wants to provide D representing 100 Yuan RMB_{Coin 100}Then, in the actual withdrawal process, the unique random number representing 100 yuan and the corresponding basic encryption password can be encrypted to generate an encryption ciphertext m, and then the secret key at the central row signs the m.

In the D-RMB system, there are a digital money issuing bank at the central bank, a digital money bank at a commercial bank, and an electronic wallet at a user side (e.g., a mobile phone). The basic content of digital money transfers includes:

(1) according to the total amount of issued digital money, digital money (i.e., the fund for digital money) is generated at the central bank and stored in the central bank.

(2) According to the demand application of the digital currency of the commercial bank, the digital currency is sent to a database of the corresponding commercial bank for storing the digital currency, namely the digital currency is sent from an issuing bank to a bank.

For example, 10 hundred million D-RMB are issued by the central row at a certain time according to the total amount of money issued, and these D-RMB are released in the issuing bank of the central row after being issued. Later, 2 billion of the 10 billion D-RMBs are extracted from the 10 billion D-RMBs according to the application of a certain bank, the extracted 2 billion D-RMBs are stored in the bank of the bank (the bank accounts for the deposit preparation money at the central bank are reduced by 2 billion, meanwhile, 2 billion D-RMBs are stored in the bank of the commercial bank, the operation of the bank accounts is equal to the payment of the current real money), and at the registration center, the owner corresponding to the digital money is changed from the central bank to the commercial bank, and the information of the corresponding operation flow and the like is recorded.

(3) When a user applies for extracting digital money, the digital money enters a storage medium (such as a mobile phone) of a user client from a bank to a circulation link, namely from the bank to an electronic wallet of the user. In the registration center, the owner corresponding to the digital currency is changed into the user by the commercial bank, and the information such as the corresponding operation flow is recorded.

(4) In the circulation link, the essence of the digital money is to transfer between the electronic purses of two users to complete payment, and the payment is divided into online transaction and offline transaction, and the detailed business process is analyzed in detail later. In the registration center, the owner corresponding to the digital currency is changed from the user 1 to the user 2, and information such as corresponding operation flow is recorded.

In the above digital money transfer process, the registration center of the D-RMB system needs to verify the validity of the transaction digital money, record the transaction flow and correct the new owner of the corresponding digital money, and register other required information (specifically determined by the business requirements).

If the IC card is used as a carrier, the work of preparing the card exists, and in the work of preparing the card, a central bank digital currency system and a commercial bank digital currency system carry out a series of operations on a D-RMB chip card containing a storage medium, and the operations mainly comprise: the central bank digital currency system generates personalized data of the D-RMB chip card according to the pre-designated content; the commercial bank digital currency system writes personal information of a user applying for the D-RMB chip card into the D-RMB chip card; the commercial bank digital currency system applies an IBC private key to the authentication system by using a user IBC public key, wherein the user IBC public key is the identification of the D-RMB chip card or the identification of the user. The main flow involved in the above operations is shown in fig. 1, and fig. 1 is a schematic view of the main flow of the operation of the prefabricated card relating to the embodiment of the present invention.

As a card base D_{Coin (coin)}The safety vector of (2), in D_{Coin (coin)}Each link of circulation is to guarantee D_{Coin (coin)}The security of (1) has a certain reinforcing effect (a separate physical carrier IC card is also referred to as a 'D-RMB chip card' for short).

(1) Production of D-RMB chip cards

The production of D-RMB chip cards must be produced by a company certified by a central bank with production qualifications for which the quantity and quality of the production manufacture is strictly controlled by the central bank (or other departments authorized by the central bank). The enterprise qualification authentication process comprises the following steps: submitting an application, examining and verifying materials, detecting a sample card, evaluating on site, authorizing qualification and the like.

(2) Personalization of D-RMB chip cards

The personalized data in the D-RMB chip card is generated by a central bank, and related departments are authorized to establish a personalized center to perform personalized operation on the newly produced D-RMB chip card.

(3) Issuing of D-RMB chip cards

The system can support real-name card issuing and anonymous card issuing.

Card issuing in a real name system: the D-RMB chip card is applied by the user, the card is issued in real name, the central bank authorizes the commercial bank to issue the card, the commercial bank checks the real name of the user and registers the related data, after the check is passed, the secondary card issuing is carried out on the D-RMB chip card of the central bank, and the personal information of the user is written into the D-RMB chip card.

Anonymous card issuing: the user directly applies the D-RMB chip card to the commercial bank, and the commercial bank can select whether to verify the identity information of the applicant according to the actual situation.

And the commercial bank selects the unique identification number of the D-RMB chip card or the mobile phone number of the user as the public key of the IBC of the user according to the actual situation, and further applies for the private key from the IBC authentication center.

The D-RMB system supports the selection of online or offline transactions using computer devices, mobile phones, POS, ATM, and Web as carriers, and the examples herein will be mainly described using mobile phones as carriers.

With regard to the mobile phone terminal, various unlocking settings such as digital passwords, graphic passwords and the like and power-on passwords can effectively protect the security of personal information on the mobile phone. With the coming of the smart phone era, various fingerprint mobile phones based on biological characteristics enter common consumer groups, different fingerprint encryption can be adopted according to different applications and different specific information, and the application of the new technologies can effectively ensure the storage safety of digital currency and related transaction information on the mobile phones.

In order to ensure the safety of the transfer of the digital currency between the mobile phones, a safety certification system needs to be introduced into the D-RMB system. The existing CA authentication center is utilized between the central bank and the financial institution, and social users (including individuals and enterprises) can utilize an IBC (Identity-Based cryptography) authentication center to perform Identity authentication.

For private keys and public keys in a central row generated in IBC and PKI, Secure Element (SE) is required to be stored in a Secure exclusive area of a mobile phone, and the SE area may be implemented by hardware (mobile phone Card change) or host Card emulation (hce). If the user adopts the card change to protect the secret key, the secret key is downloaded to the SE area of the mobile phone in the card change application process.

In the construction process of the authentication system, the PKI system can be designed according to the traditional PKI authentication system, the PKI system is uniformly established, a CA (certificate authority) provides a strong digital signature, the PKI system can also be designed according to an IBC (identity based certificate), and a user mobile phone number is taken as a public key to manage, so that the PKI system seems to be more convenient and fast especially for off-line payment of a tiny amount. All business introductions below will be explained in terms of IBC authentication. Fig. 2 is a schematic diagram of a process of registering a D-RMB account by a user in connection with an embodiment of the present invention, and fig. 3 is a schematic diagram of a D-RMB transaction process in connection with an embodiment of the present invention.

When registering a user, the following procedures are mainly performed: after receiving the identification information sent by the terminal equipment used by the user, the central bank digital currency system sends application software suitable for the terminal equipment to the terminal equipment; the central bank digital currency system sends an IBC public key and an IBC private key to the terminal equipment running the application software, and then performs identity authentication session and session key negotiation with the terminal equipment; and the central bank digital currency system receives the user account sent by the terminal equipment running the application software and then sends a user password to the terminal equipment.

50-dollar digital currency D for online payment of user 1 to user 2_{Coin 50}For example, to illustrate the involvement of D in the transaction process_{Coin 50}Security protocol at transfer time. The user 1 logs in the APP of the mobile phone of the user to complete the identity authentication of the two parties with the D-RMB system, and executes a transaction protocol after a session key is negotiated in an SSL mode. Taking a mobile phone number as an IBC public key as an example, at a mobile phone client of the user 1: mobile phone client automatically selects 50-yuan digital currency D_{Coin 50}The related information M | M is organized according to transaction rules, where M may be designed to: m | mobile phone number 1 | D |, transaction code |_{Coin 50}The payment amount | mobile phone number 2, the information segment is subjected to hash operation to obtain a message H (M), a private key pair H (M) corresponding to the mobile phone number 1 is used for signing to obtain M, and the M | M is sent to the D-RMB system in an encryption mode.

D-RMB system end: decrypting the message according to a protocol to obtain M | M, and verifying the validity of the message, namely verifying M and H (M) by using a public key, namely a mobile phone number 1, so as to prevent the message from being tampered in the transmission process; verification D_{Coin 50}If it is legal, the transaction rule and related information are read and the corresponding operation is executed, which mainly includes the change of registration center after service verification_{Coin 50}The owner changes the bound mobile phone number 1 into a mobile phone number 2 and records the mobile phone number 2Recording the corresponding running water. Sending D_{Coin 50}And the mobile phone 2 is given, and the successful transaction is prompted to the two parties.

In order to further enhance anonymity, the mobile phone number corresponding to the right of the registration center can be changed into the hash of the mobile phone number (i.e. borrowing the address of the bitcoin wallet, which consists of public key hash), which is specifically described as follows:

the client side organizes the message unchanged, and at the mobile phone client side of the user 1: automatic selection of 50-dollar digital currency D_{Coin 50}The related information M | M is organized according to the transaction rule, wherein M may be designed as a transaction code | mobile phone number 1 | D_{Coin 50}The payment amount | mobile phone number 2, the information segment is subjected to hash operation to obtain a message H (M), a private key pair H (M) corresponding to the mobile phone number 1 is used for signing to obtain M, and the M | M is sent to the D-RMB system in an encryption mode.

D-RMB system end: decrypting the message according to a protocol to obtain M | M, and verifying the validity of the message, namely verifying M and H (M) by using a public key, namely a mobile phone number 1, so as to prevent the message from being tampered in the transmission process; verification D_{Coin 50}If it is legal, the transaction rule and related information are read and the corresponding operation is executed, which mainly includes the change of registration center after service verification_{Coin 50}And the owner changes the bound H (mobile phone number 1) into H (mobile phone number 2), and records the corresponding running water. Sending D_{Coin 50}And the mobile phone 2 is given, and the successful transaction is prompted to the two parties.

With respect to system convenience design, in embodiments of the present invention, there are a variety of interfaces and portals for transactions. In the scene example process, only one entrance is used for example, if a registered user transacts business in a commercial bank, the user can directly log in the D-RMB system by taking a mobile phone, and the commercial bank can log in the D-RMB system.

Regarding the problem of the account password, whether the user needs to input the account password can be flexibly designed according to the business needs. Based on the D-RMB system being a micropayment system, the proposal may consider whether to set a password freely selected by the user. In the description of the embodiments of the present invention, the description is made without leaving a password, but in the implementation, the description may be made according to the actual situation.

Regarding the problem of the client application program, the user can download the corresponding client application program at the corresponding terminalOn the end (such terminal software is equivalent to a 'wallet' tool), for example, a mobile phone user can download a D-RMB mobile phone terminal program (also called a mobile phone APP). The terminal program may be designed to include the following functions: one is D_{Coin (coin)}And (5) management functions. (1) The terminal program can automatically count all D_{Coin (coin)}An amount; (2) can automatically find D in the wallet according to the amount of money input by the user_{Coin (coin)}Combining and automatically selecting matched D in the payment process_{Coin (coin)}Performing a transaction; (3) after the transaction is completed, D for participating in expenditure is automatically selected_{Coin (coin)}Deleting; (4) the digital currency which is not checked in the center row in the wallet can be automatically distinguished from the checked and registered digital currency. And secondly, completing the functions required by the business, such as business functions of online registration application, extraction, payment, cashing, offline payment request and the like, and automatically completing operations of public key encryption, private key signature and the like in the transaction process.

In general, the core elements of the D-RMB system are a currency, two types of libraries and three centers:

one type of coin, namely "D-RMB", also known as D_{Coin (coin)}In particular to a series of encrypted digital strings representing a specific amount signed by a central line.

Two types of libraries: respectively an issuing bank and a banking bank of the D-RMB. The digital currency is expressed as digital currency fund at the central row in the issuing bank; the digital currency is presented in the bank vault as digital cash in stock by the commercial bank.

Three centers: the first is a registration center (including currency generation, circulation, counting, check and death whole process record); the other two are the certification centers, namely the CA certification center (Based on the PKI system, centralized management of the certificates of organizations and users, such as CFCA) and the IBC certification center, namely the certification center established Based on the cryptographic technology of identification (Identity-Based cryptography). Two tables can be designed in the registration center, one is a digital currency ownership registration table for recording the attribution of digital currency, and the other is a transaction flow meter.

The identity-based cryptosystem IBC in the embodiment of the invention can directly use the identity of the user as a public key, the authentication of the public key is not dependent on a certificate any more, the use and management of the secret key are simplified, and the identity-based cryptosystem IBC has the advantages of no catalogue, convenience in use, easiness in maintenance and the like.

For the identity identification, the individual user can adopt a mobile phone number, or a D-mail address matched with the mobile phone or other converted character strings, so that the individual user can conveniently memorize the identity identification, and other people can not know the identity identification), and the purpose of controllable anonymity is achieved. Enterprise users may use an organization code or a custom code as an identity of the IBC center, and the identity is used as a public key, which is described in the following example only by using a mobile phone number as an example.

The D-RMB system is a hierarchical system, namely, a central bank and each commercial bank are built together, the central bank digital currency system is a computer system which is operated and maintained by the central bank or a designated organization of the central bank and is used for processing information about digital currency, the main functions of the central bank digital currency system comprise the responsibility for issuing and verifying and monitoring the digital currency, the commercial bank is a computer system which is operated and maintained by the commercial bank or the designated organization of the commercial bank and is used for processing the information about the digital currency, the commercial bank performs various functions about the currency of the existing bank, namely bank functions, and the D-RMB system mainly comprises the responsibility for directly facing the society after applying for the digital currency from the central bank, and meets various requirements for providing digital currency circulation services.

Fig. 4 is a schematic diagram of one structure of an overall framework when the D-RMB digital money system provides an online service according to an embodiment of the present invention.

In the basic structure of the digital money system according to the embodiment of the present invention, the digital money system mainly includes a central bank digital money system, a commercial bank digital money system (which may be a plurality of commercial bank digital money systems in practice), and an authentication system. The central bank digital currency system is used for generating and issuing digital currency and performing ownership registration on the digital currency; a commercial bank digital currency system for performing banking functions on digital currency; the authentication system is used for providing authentication for interaction between the central bank digital currency system and a terminal device used by a user of digital currency, and for providing authentication for interaction between the central bank digital currency system and the commercial bank digital currency system.

In the overall framework shown in fig. 4, the core of the D-RMB digital currency operation is the commercial bank digital currency system, and the central bank D-RMB system is connected to the merchant bank D-RMB system and is responsible for transaction confirmation. The commercial D-RMB system and the central D-RMB system can fully utilize advanced cloud technology to carry out decentralized deployment, and meanwhile, the commercial D-RMB system is interconnected and communicated with internal systems thereof.

As can be seen from fig. 4, the commercial bank digital currency system is connected to other networks or systems at a core location, and can be constructed using "cloud computing" technology. The D-RMB digital currency system supports network data of various protocols, such as Virtual Private Networks (VPNs), private lines, satellite networks, Public Switched Telephone Networks (PSTN), global system for mobile communications (GSM), Public Land Mobile Networks (PLMNs), and different networks can be directly or indirectly connected with the central server.

The business digital currency system is connected with a central bank registration center and also comprises four basic functional modules: the system comprises an electronic wallet function module for automatically tracking the amount of D-RMB digital money owned by an account, a supervision function module for automatically tracking the transfer of the D-RMB digital money among all parties and identifying suspicious transactions, an electronic banking function and a Customer Relationship Management (CRM) function module.

The logical layout of the server in the commercial bank digital currency system adopts a three-layer architecture mode: namely, the presentation layer, namely, the front-end application system 200; a back-end application system 202, also called a session layer, an application layer, or a transaction logic layer; the background database 204 is a data layer. A corresponding physical machine deployment block diagram is shown in fig. 5, and fig. 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.

The front-end application 200 is an application, such as a Web application, deployed here as a Web server cluster, for running users that interact directly with money transfer service operators. The user and money transfer service operator interact with these applications through a user interface, such as a personal computing device 114 and a mobile device. The user can access the functions of the electronic wallet, the supervision function, the virtual bank function and the CRM function through the entrance. Open source software such as apache can be adopted on the Web server.

The back-end application system 202 is mainly used to support the back-end functions of the front-end application system 200, such as data access, business logic processing, and the like. This area deploys the application servers. D-RMB digital currency can use JBOSS tool under Red Hat open source system to develop applications.

The back-office database 204 is essentially a database management system DBMS that includes a data repository that stores sales transactions for transferring money, customer profiles, and other data needed to track and regulate the central bank digital money system for D-RMB digital money transfers. The D-RMB digital currency system can be designed using Oracle's DBMS as a database system.

The digital currency system of the business department can be interconnected with an external system, and an alternative architecture is shown in fig. 6, and fig. 6 is a schematic diagram of an architecture for interconnecting the digital currency system of the commercial bank with the external system according to the embodiment of the invention.

The above figure illustrates the physical and logical layout of a commercial bank digital currency system with various external system adapters including central bank central servers, other commercial bank digital currency systems. There are monetary transaction data adapters, cell phone service provider SMS gateway adapters, retailer system adapters, ATM data supply system adapters, etc. by means of this interconnection the central server can accept digital monetary transfer requests and responses from each type of entity. Fig. 6 illustrates well the support of the D-RMB digital currency system to various channels, different protocol networks, which is also a manifestation of its open nature.

The business process of using IC card as digital currency carrier is described below.

The central server of the central bank is provided with an issuing bank, and the commercial bank end is provided with a bank. In the description of the business process of the simulation scenario, the "commercial bank" is used as a general term for the D-RMB system at the commercial bank end and the related systems therein, and the "central bank" is used as a general term for the D-RMB system at the central bank end and the related systems therein. The following is to explain the face-to-face transaction by using the D-RMB card as a carrier according to four important processes of registration (namely applying for getting the card), extraction, payment, deposit, cashing and the like.

The application, extraction, deposit and cashing of the D-RMB card of the user are all required to be completed in an online state, and the payment process can be divided into online payment and offline payment. After the user takes the D-RMB chip card in a safe way, the D-RMB chip card can be stored with the D_{Coin (coin)}. The D-RMB chip card contains an integrated circuit and a storage medium, and can be made into a single card with a standard size (such as the size of a bank card currently used) or can be integrated into other chips or cards in the manufacturing process of the integrated circuit. For example, the D-RMB chip card can be in the following forms: the mobile phone can be in a visible Bluetooth IC card form (hereinafter referred to as a visible IC card), an IC card form (namely a common IC card), a mobile phone-eSE form (namely a mobile phone embedded IC card), a mobile phone-secure SD card form (namely a built-in secure SD card), a mobile phone-SIM card form and a mobile phone-cloud SE form. In addition, the mobile phone-cloud SE form can also be used as a carrier of the D-RMB and is not limited to a chip card. Brief description of the following scenarios in connection with specific scenarios_{Coin (coin)}And indicate the applicable D-RMB chip card morphology in the corresponding scenario (hereinafter "full morphology" is used to refer to all D-RMB chip card morphologies mentioned above).

Application of D-RMB chip card

Description of the flow: the user applies for the D-RMB chip card to the counter of the commercial bank.

The D-RMB chip card form is applicable: all form

Scene description: but not shown.

Description of the steps:

step 1, a user arrives at a counter of a commercial bank, submits information of related identity documents and applies for a D-RMB chip card;

step 2, commercial bank: registering a page of a D-RMB system, inputting related information (such as name, address, e-mail address, mobile phone number, identity card number, card number and the like) of an applicant and a card, creating a D-RMB account number for the user in a D-RMB system of a commercial bank, and sending the D-RMB account number to a D-RMB system (IBC authentication center) of a central bank; the D-RMB chip card can be designed to be completely anonymous and if it is safe anonymous, no applicant identity information has to be entered. The card number and the identity information of the applicant are bound in the background according to a controllable anonymous design.

Step 3, the central bank: the uniqueness is verified at the IBC center (here, the card number is taken as an example of the account number). IBC center: generating a private key of a user according to the card number, wherein the public key is the D-RMB chip card number, and the public key is used as an account number for transaction circulation;

and 4, commercial bank: and (4) operating according to the transaction prompt, downloading the private key and the public key of the central bank of the user to a D-RMB chip card protection area (card writing and embedding the secret key), finishing initialization of the card, delivering the card to the user, finishing the registration of the important certificate and finishing the transaction.

The method and system for depositing digital money on a digital money chip card according to embodiments of the present invention will be described in further detail below.

Fig. 7 is a schematic diagram of a system for depositing digital money onto a digital money chip card according to an embodiment of the invention. As shown in fig. 7, the system 70 for exchanging physical cash for digital currency into a digital currency chip card according to an embodiment of the present invention mainly includes a commercial bank digital currency system 71 and a central bank digital currency system 72; the commercial bank digital currency system 71 is used for receiving the amount information of the physical cash of the conversion requester and the digital currency chip card information, then determining the digital currency participating in the conversion according to the amount information, then generating conversion request information according to the digital currency and the digital currency chip card information of the conversion requester, and then sending the conversion request information to the central bank digital currency system 72; and writing the digital currency into a digital currency chip card of the conversion requester after receiving an indication that the operation returned by the central bank digital currency system is successful; the central bank digital currency system 72 is configured to perform operations of a preset item including an operation of performing owner change on the digital currency converted by the commercial bank digital currency system according to the conversion request information and return an indication of successful operation to the commercial bank digital currency system.

The central bank digital currency system 72 of the system 70 for exchanging digital currency into digital currency chip cards by physical cash of the embodiment of the invention can also be used for searching the record information of the digital currency according to the digital currency information in the exchange request information; determining a wallet address corresponding to the digital currency chip card according to the digital currency chip card information in the exchange request information; and modifying the owner of the digital currency in the recorded information into a wallet address corresponding to the digital currency chip card from the bank code of the commercial bank.

The commercial bank digital currency system 71 of the system 70 for exchanging digital currency into a digital currency chip card by physical cash of the embodiment of the invention can also be used for judging whether the amount of the digital currency in the system is not less than the amount of the physical cash of the exchange requester, if so, the transaction is continued, namely, the digital currency participating in the exchange is determined according to the amount information and the subsequent processes are carried out; otherwise, outputting prompt information indicating that the transaction cannot be carried out.

The central bank digital currency system 72 of the system 70 for exchanging digital currency into a digital currency chip card by physical cash according to the embodiment of the present invention may be further configured to determine whether the owner of the digital currency is a bank code of the commercial bank according to the digital currency information in the exchange request information, and if so, continue the transaction, that is, perform the above-mentioned operation of executing the preset item according to the exchange request information and the subsequent processes; otherwise, a prompt indicating that the transaction cannot be conducted is returned to the commercial bank digital currency system.

The digital currency chip card can be in 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; and the wallet address corresponding to the digital currency chip card comprises the hash value of the card number of the digital currency chip card.

Fig. 8 is a schematic diagram of a method of depositing digital money onto a digital money chip card according to an embodiment of the invention. As shown in fig. 8, the method is suitable for a plurality of application scenarios, such as a user taking a certain amount of physical cash to an ATM or a counter of a commercial bank (i.e. a commercial bank outlet) to exchange digital currency to a digital currency chip card, and in this embodiment, the method of the embodiment of the present invention is described by taking the user to exchange digital currency to the counter of the commercial bank as an example, and the method mainly includes the following steps S80 to S82.

Step S80: the commercial bank digital currency system receives the amount information of the physical cash of the conversion requester and the digital currency chip card information, then determines the digital currency participating in conversion according to the amount information, generates conversion request information according to the digital currency and the digital currency chip card information of the conversion requester, and then sends the conversion request information to the central bank digital currency system. In this step, assuming that a user submits a digital currency chip card and physical currency 250 yuan to a commercial bank (such as a certain branch of a bank of a Chinese worker) to request for exchanging digital currency with corresponding amount, a counter staff of the commercial bank operates a digital currency system of the commercial bank after receiving the physical currency and the digital currency chip card to be exchanged by the user; the commercial bank digital currency system firstly judges whether the amount of the digital currency in the system is not less than 250 yuan according to the received amount information of the physical cash of the user, and if so, determines the digital currency participating in conversion according to the amount information of the physical cash (in the embodiment, E is used as the reference value)_{Coin (coin)}Representing digital money) D_{Coin 100}、D_{Coin 100'}And D_{Coin 50}Then, the commercial bank digital currency system generates exchange request information of the user according to the determined digital currency participating in the exchange and the information of the digital currency chip card of the user, and sends the exchange request information to the central bank digital currency system; otherwise, outputting prompt information indicating that the transaction cannot be carried out.

Step S81: and the central bank digital currency system executes the operation of a preset item according to the conversion request information and returns an indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency which is converted by the commercial bank digital currency system. In this step, the central bank digital currency system receives the exchange request letter sent by the commercial bank digital currencyAfter that, the central bank digital currency system first determines whether the owner of the digital currency is the bank code of the commercial bank according to the digital currency information in the conversion request information (in this embodiment, determines the D participating in the conversion_{Coin 100}、D_{Coin 100'}And D_{Coin 50}If the owner of the bank is the bank code of the industrial and commercial bank), if yes, the central bank digital currency system searches D according to the digital currency information in the exchange request information_{Coin 100}、D_{Coin 100'}And D_{Coin 50}According to the digital currency chip card information in the conversion request information, determining the wallet address corresponding to the digital currency chip card (the wallet address can be the hash value of the card number of the digital currency chip card), and finally recording D in the information_{Coin 100}、D_{Coin 100'}And D_{Coin 50}The owner of the digital currency chip card is modified into a wallet address corresponding to the digital currency chip card by the bank code of the commercial bank and returns an indication of successful change of the owner to the digital currency system of the commercial bank; otherwise, a prompt indicating that the transaction cannot be conducted is returned to the commercial bank digital currency system.

Step S82: and after receiving the indication of successful operation returned by the central bank digital currency system, the commercial bank digital currency system writes the digital currency into a digital currency chip card of the conversion requester. The commercial digital money system, upon receiving the indication of successful owner change returned in step S81, will send D_{Coin 100}、D_{Coin 100'}And D_{Coin 50}And writing the digital currency into a digital currency chip card of a user, thereby realizing the purpose of exchanging the digital currency into the digital currency chip card by physical cash.

The detection of repeated transactions in the case of D-RMB chip cards as digital currency carriers is described below. In the embodiment of the invention, namely in the case of online transaction, the D-RMB system passes through D_{Coin (coin)}Bound to the user card number 11 in a manner to prevent repeated transactions. The registration center in the D-RMB system has a rights registration form, and the record form pattern can be designed as shown in Table 1:

table 1:

digital currency name	Owner of an animal	Remarks for note
			Pbc100adfkl09987766670	ICC00000001	D_{Coin 100}
……	……	……
			Pbc50cadfkl09987766670	ICC00000002	D_{Coin 50}

The user D-RMB chip card 1(D-RMB chip card unique identification number ICC00000001) pays D to the user D-RMB chip card 2(D-RMB chip card unique identification number ICC00000002)_{Coin 100}In the process, the D-RMB system registers a central ownership registration form: modification of D_{Coin 100}Corresponding to the owner, the wallet address corresponding to the original mobile phone number ICC00000001 in the owner field is changed to the wallet address corresponding to the mobile phone number ICC00000002, if the user D-RMB chip card 1 also wants to use D_{Coin 100}And paying to other user D-RMB chip cards, wherein the owner of the user D-RMB chip card is not the user D-RMB chip card 1 at the moment, and the payment cannot be finished, so that repeated payment is prevented.

In the case of offline transactions, repeated payment checks are discovered and relied upon with lag, and at present, repeated payment checks performed by almost all electronic cash systems are delayed, i.e., they are performed after the payment process is completed.

Meanwhile, the settable transaction is a micropayment (less than 1000 yuan), which is an acceptable range for individual users, and adverse records are input into a credit investigation system to be punished by adopting a posterior responsibility tracing mechanism.

According to the technical scheme of the embodiment of the invention, the use of digital currency is realized, the phenomenon that paper money is printed again is avoided, the issuing cost of the currency is saved, and the issued digital currency is not easy to lose and is safer; in addition, the provided digital currency can be compatible with the real currency in circulation, so that the exchange between the digital currency and the real currency can be realized, the digital currency can participate in each link of economic activities, the currency function of the digital currency can be realized in various occasions, and the problem that the use range of the digital currency is limited is solved; meanwhile, in the transaction process, each link is connected to the digital currency system of the central bank to complete, so that the security of the transaction environment in the transaction process is ensured, the counterfeiting of the transaction caused by attack is avoided, and the possibility of loss caused by both transaction parties is reduced; on the other hand, the provided digital currency chip card is authenticated by a central bank, and the quantity and quality of production and manufacture are strictly controlled by the central bank, so that the digital currency can be stored, the problem that the current digital currency has no safe keeping way is solved, and the digital currency is more convenient to carry along with the diversity of the digital currency chip card.

In terms of convenience, a scheme (hereinafter referred to as a mobile phone scheme) of taking a mobile phone as a terminal carrier provides more implementation modes and use means, the system is convenient to deploy, the user operation convenience is good, and the popularization is easier.

In view of safety, the mobile phone is used as a D-RMB carrier, and HCE and TEE schemes can be adopted, so that a larger storage space is provided, a hardware manufacturer is not completely depended on, and the popularization is more convenient.

Compared with other currency systems replacing paper money in the market, the D-RMB has the characteristics of good convenience, high safety and the like, and the convenience is shown in the following aspects:

in the issuing mode, the D-RMB is the digitization of the currency, and does not depend on any bank account and a single network;

in the storage mode, the storage medium of the D-RMB can be a mobile phone, and can also be electronic equipment such as a card, a magnetic disk, a computer and the like, so that various choices are provided for a user. Especially, the D-RMB taking the mobile phone as a carrier can fully utilize the functions of the mobile phone, such as keyboard, display, positioning, storage, calculation, communication and the like, and can be developed for the second time, thereby greatly expanding the payment scene and convenience;

in the payment mode, the online payment transaction similar to paper money can be provided, the online remote payment transaction similar to an electronic payment system can also be provided, the online transaction and the offline transaction can be supported, and the mode is convenient and flexible;

the payment speed is greatly improved in the transaction speed compared with an online card swiping payment mode. Is very suitable for small amount quick payment;

in the use habit, the method can be compatible with the original card swiping payment mode, can also provide face-to-face digital currency payment, and can also provide electronic transaction records, thereby being convenient for financial statistics and having high user acceptability.

The safety is expressed in the following aspects:

in contrast to 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 safety of the currency is protected by a cryptographic algorithm, so that the confidentiality and the integrity of currency information can be effectively guaranteed, and the safety is high;

the safety of the D-RMB digital currency carrier realizes end-to-end safety by using a chip technology at a mobile terminal and a trusted technology at a background cloud;

the safety of the D-RMB digital currency transaction system depends on the traditional electronic payment system safety technology on one hand, and meanwhile, the strong D-RMB cloud computing system is utilized by the background to further guarantee the transaction safety;

in the aspect of user privacy protection, the user privacy is ensured and the risk of illegal transactions is avoided by means of 'foreground voluntary and background real name'.

The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method of depositing digital currency into a digital currency chip card, comprising:

the commercial bank digital currency system receives the amount information of physical cash of a conversion requester and the information of a digital currency chip card, then determines the digital currency participating in conversion according to the amount information, generates conversion request information according to the digital currency and the information of the digital currency chip card of the conversion requester, and then sends the conversion request information to the central bank digital currency system;

the central bank digital currency system executes the operation of a preset item according to the conversion request information and returns the indication of successful operation to the commercial bank digital currency system, wherein the operation of the preset item comprises the operation of carrying out owner change on the digital currency which is converted by the commercial bank digital currency system;

and after receiving the indication of successful operation returned by the central bank digital currency system, the commercial bank digital currency system writes the digital currency into a digital currency chip card of the conversion requester.

2. The method of claim 1, wherein the act of making an owner change to the digital currency that the commercial bank digital currency system participates in the conversion comprises:

the central bank digital currency system searches the record information of the digital currency according to the digital currency information in the exchange request information;

the central bank digital currency system determines a wallet address corresponding to the digital currency chip card according to the digital currency chip card information in the exchange request information;

and the central bank digital currency system modifies the owner of the digital currency in the recorded information into a wallet address corresponding to the digital currency chip card from the bank code of the commercial bank.

3. The method according to claim 1 or 2, wherein the step of determining the digital currency involved in the conversion based on the amount information is preceded by the step of: the commercial bank digital currency system confirms that the amount of digital currency in the system is not less than the amount of physical cash of the conversion requester.

4. The method according to claim 1 or 2, wherein the step of performing the operation of the preset item according to the redemption request information is preceded by the step of: and the central bank digital currency system confirms that the owner of the digital currency is the bank code of the commercial bank according to the digital currency information in the conversion request information.

5. Method according to claim 1 or 2, characterized in that the wallet address corresponding to the digital currency chip card comprises a hash value of the card number of the digital currency chip card.

6. Method according to claim 1 or 2, 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. A system for depositing digital currency into a digital currency chip card, comprising a commercial bank digital currency system and a central bank digital currency system, wherein:

the commercial bank digital currency system is used for receiving the amount information of physical cash of the conversion requester and the digital currency chip card information, then determining the digital currency participating in conversion according to the amount information, then generating conversion request information according to the digital currency and the digital currency chip card information of the conversion requester, and then sending the conversion request information to the central bank digital currency system; and after receiving an indication of successful operation returned by the central bank digital currency system, writing the digital currency into a digital currency chip card of the conversion requester;

the central bank digital currency system is used for executing operation of preset items according to the conversion request information and returning indication of successful operation to the commercial bank digital currency system, and the operation of the preset items comprises operation of owner change of digital currency which participates in conversion of the commercial bank digital currency system.

8. The system of claim 7, wherein the central bank digital currency system is further configured to:

searching the record information of the digital currency according to the digital currency information in the exchange request information;

determining a wallet address corresponding to the digital currency chip card according to the digital currency chip card information in the exchange request information;

and modifying the owner of the digital currency in the recorded information into a wallet address corresponding to the digital currency chip card from the bank code of the commercial bank.

9. The system of claim 7 or 8, wherein the commercial bank digital currency system is further configured to confirm that the amount of digital currency in the system is not less than the amount of physical cash of the redemption requester.

10. The system of claim 7 or 8, wherein the commercial bank digital currency system is further configured to output a prompt indicating that no transaction is possible after confirming that the amount of digital currency in the system is less than the amount of physical cash of the conversion requester.

11. The system according to claim 7 or 8, wherein the central bank digital currency system is further configured to confirm that the owner of the digital currency is the bank code of the commercial bank based on the digital currency information in the exchange request message.

12. The system according to claim 7 or 8, wherein the central bank digital currency system is further configured to return a prompt message to the merchant bank digital currency system indicating a failure to transact after confirming that the owner of the digital currency is not the merchant bank code based on the digital currency information in the conversion request message.

13. The system according to claim 7 or 8, characterized in that the wallet address corresponding to the digital currency chip card comprises a hash value of the card number of the digital currency chip card.

14. System according to claim 7 or 8, 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.