wholesale western costume jewelry Talking about digital currency, what is digital currency? What is the meaning of digital?

indian jewelry boxes wholesale It is reported that the central bank's research and distribution of digital currencies is not a moment. From 2014, the study of digital currencies in the central bank has been conducted for 5 years. In 2017, the Central Bank Digital Currency Institute was formally established, and it has applied for more than 70 patents involving digital currency technology.

The patented information (data source: Huihuyun)
n n n in recent years, with the development of Internet technology, especially blockchain technology, it has emerged worldwide. The so -called "virtual currency", such as Bitcoin and Wright currencies that have been controversial in recent years. So, how is the digital currency proposed by the central bank different from these commercial "virtual currencies"? Let's analyze it from the patent aspect.

Pet some patents (data source: Huihuyun) at the Central Bank Digital Currency Research Institute

What is digital currency? —— [invention patent] Digital currency system

Cloud computing is the mainstream direction of the future server side of the background server. The digital currency background system uses cloud -based solutions.

In e -commerce activities, due to different roles, the requirements for digital currencies are different: customers are required to be convenient to use digital currencies, safe storage and anonymous; It can be exchanged for real currency; banks require digital currency to be unable to be illegally used and forged. Therefore, digital currency D-RMB should have the following characteristics:

1. Security: can prevent any party in business from any party in business Change or illegally use digital currencies;

2, non -repeated cost: digital currency can only be used once, repeated costs can be easily checked;
3, controllable anonymity : Banks and merchants can not track the use of digital currencies with each other. It is required that the system cannot connect the purchase behavior of users of electronic cash, so as to conceal the history of the purchase of digital currency users. ;

4, non -fake: users cannot forge fake digital currencies;

5, fairness: The payment process is fair, guaranteed either the two parties have successful transactions, or both parties have no parties. Loss to prevent losses from a trading party in the transaction;

6, compatibility: The issuance process and circulation of digital currencies in the D-RMB system should refer to the issuance and circulation of the physical currency as much as possible.

For digital currencies, it should be able to adapt to various use scenarios of existing currency and be free to exchange with existing currencies.

The patent provides a digital currency system, including the central bank's digital currency system, commercial bank digital currency system, and certification system. rnrn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Provide certifications between the terminal equipment used by the central bank's digital currency system and the digital currency users, as well as certification of the interaction between the central bank's digital currency system and the digital currency system of the commercial bank.

This diagram of the basic structure of the digital currency system

The digital currency system with good convenience and high security, and can be applied to the various applications of digital currencies in reality in reality Scenes.

Os how to exchange cash for digital currency? —— [Invention patent] The method and system of exchanging digital currencies into physical cash

The user terminal device entered into digital currencies in digital currency wallets according to external operations. Send the digital currency to the digital currency system of the commercial bank. The digital currency system of the commercial bank sends the digital currency to the central bank's digital currency system. The central bank's digital currency system generates a one -time withdrawal code Give users, and the main information of digital currency is changed from users to central banks.

If the digital currency system of the commercial bank sends the one -time withdrawal code provided by the user to the central bank's digital currency system. The amount, and send a one -time withdrawal code to the digital currency system of the commercial bank, and issue an effective notification of a one -time withdrawal code. The commercial bank's digital currency system receives the notice and issues a contribution instruction. Cash.

The schematic diagram of exchanging digital currencies into physical cash methods

How to consume digital currencies online? —— [invention patent] The method of using digital currency chip cards for online payment and system

This is a method and system for online payment using digital currency chip cards. Provide a method of using digital currency chip cards for online payment. This method includes: user terminal equipment sends the payment information to the acceptable terminal device, the payment information includes digital currency chip card information and digital currency with the value of payment amount; accepting terminals to accept the terminal; accept the terminal After receiving the payment information, the device sends the payment information to the digital currency system of the commercial bank; after receiving the payment information, the digital currency system of the commercial bank will send the request to the central bank's digital currency system; After receiving the request to change the owner, the owner of the digital currency is changed to the commercial bank code of the merchant; the digital currency system of the commercial bank has changed the account amount of the merchant.

Add digital currency chip cards for online payment methods Flowing flow charts in recent years, commercial virtual currency has been controversial, and people are increasingly recognized that the future development trend of digital currency is still based on national credit, and countries are based on national credit. Legal digital currency issued by the central bank. At present, China is still in the stage of accelerated research and development in digital currency. For example, the central bank held a TV meeting in the second half of 2019 on August 2 to ask for "accelerating the pace of my country's legal digital currency research and development." The recently released "Opinions on Supporting Shenzhen's Pioneer Demonstration Zone on Construction of Socialism with Chinese Characteristics" clearly stated that "supporting innovative applications such as digital currency research and mobile payment in Shenzhen". When can digital currency meet with you, let us wait and see.