Payment methods and systems for Central Bank Digital Currency

摘要

PROBLEM TO BE SOLVED: To provide a payment method and system for preventing double payment and processing payment using Central Bank Digital Currency (CBDC) even in an offline situation. A computer device includes a security area, an HSM (Hardware Security Module), and a processor. The payment method is the stage where the nonce value is transmitted from the terminal of the final user who receives the remittance by short-distance communication in the offline situation, the first final transaction information recorded in the security area, the transmitted nonce value and the security value. The stage of signing a remittance transaction containing the hash value of HSM with the HSM private key and sending it to the terminal, and the stage of sending the original security value to the terminal when receiving a verification success message from the terminal, and the remittance transaction Includes the second final transaction information and the stage of recording the latest balance of the electronic wallet in the security area. [Selection diagram] FIG. 5