A new look for the Year of the Tiger, the first chapter of the new year, I wish you all 666 in the new year! In 2022, 5 series of articles will be used to explain the principles and basic functions of the digital renminbi. Before learning about the dual offline payment of digital renminbi, let's once again popularize what a digital renminbi wallet is. Digital RMB wallets are divided into software and hardware wallets. Software wallets are the previously experienced "digital RMB" wallets, mainly in the form of mobile apps; hardware wallets refer to wallets based on "chips", such as smart cards and mobile eSE. Wait. In fact, the offline payment function is not new. Wechat and Alipay have already implemented it, which enables us to realize the "enjoy first, pay later" function in some scenarios. This offline payment payer can be offline, while the payee must be online. The principle of implementation is to transfer the offline payment information to the platform server for verification and then complete the transaction, which is essentially a single offline payment.
So, how is the "dual offline payment" of digital renminbi realized? What application scenarios and security issues are there? First, the realization principle 1. Ordinary dual offline payment Ordinary dual offline payment, that is, in the scenario where both the payer and the payer are offline, the billing is performed first, and the deduction is completed when the security verification can be done. For the payment business, it completes the closed-loop transaction process through the extension of payment after the transaction is completed, and the core is a technical solution to achieve rapid verification and payment. 2. Digital RMB dual offline Phone Number List payment The dual offline payment of digital RMB is realized by NFC technology, which requires the devices of both parties to have a hardware wallet function with a built-in security chip.
The most typical one is the touch function of digital RMB, which mainly meets the special requirements of basements, parking lots, mountainous areas and even geographical disasters. Payment needs in the environment. NFC is a short-range high-frequency wireless communication technology with a transmission distance of less than 10 cm. It adopts point-to-point communication and does not require third-party equipment to transfer signals. NFC mobile phones support chip hardware encryption and software encryption, and can complete point-to-point encrypted communication in less than 0.1 seconds, ensuring payment security.