Js Bochtec Co., Ltd.

Beijing E-Henxen Authentication Technologies. Co., Ltd.

Zhong Chen

Xianghao Nan

Zhong Hai Chen

Disclosed are a CPK-based digital bank, a digital currency and a payment method. The digital currency is a core component of the digital bank. The digital currency is realized by means of a CPK digital signature, and a payer provides an account authenticity certification, an amount authenticity certification and a fund allocation authenticity certification, thereby effectively preventing crimes inside or outside a bank. The digital currency directly takes an account identifier as an account number. The digital currency can be used in on-line operations, as well as off-line operations, thereby satisfying face-to-face trade requirements between a great number of retail accounts. The CPK digital bank is realized by means of a CPK chip without support of other devices, such that everyone can check the authenticity of the digital currency.

CPK-based digital bank, digital currency, and payment method

The present invention discloses a method and device of generating asymmetrical key pair (public key and private key) based on user identity. Key Management Center (KMC) generates public/private key calculating base, and publish the public key calculating base. Based on identity provided by a user, a private key is calculated and provided to the user. Any user can calculate other user's public key based on other user's identity and the published public key calculating base. Thus, when obtaining the public key of the communicating party, no third party CA certificate is needed, and no maintenance of mass parameters associated with users are needed.

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Beijing, China

Xianghao Nan