公开(公告)号：EP4425408A1

公开(公告)日：2024-09-04

申请号：EP22885992.2

申请日：2022-10-26

申请人： DIGITAL CURRENCY INSTITUTE, THE PEOPLE'S BANK OF CHINA

发明人： MU, Changchun ,  DI, Gang ,  CUI, Peidong ,  ZHAO, Xinyu ,  GUO, Jianchang ,  YUAN, Qiao

IPC分类号： G06Q20/32

CPC分类号： G06Q40/04 ,  G06Q20/32 ,  G06Q20/38

摘要： The present disclosure provides a digital currency transaction method and system, and related transaction terminals, and relates to the field of computer technology. A specific implementation of the method includes: exchanging, by a first transaction terminal, user certificates with a second transaction terminal to verify user identities of the two parties after establishing a communication connection with the second transaction terminal, negotiating with the second transaction terminal to generate a transaction factor after confirming that the user identity verification of the two parties succeeds, and uploading first digital currency transaction information including the transaction factor to a first operating institution back-end system, and sending, by the first operating institution back-end system, the first digital currency transaction information to a second operating institution back-end system to complete the digital currency transaction. This implementation achieves separation between identity verification and the transaction, reduces user interaction steps, simplifies the transaction process, is not limited by the transaction distance, supports both password-free and password-verified payments, and eliminates the need for a second touch during password verification, thereby greatly shortening the touch time, and enhancing the transaction security.