The digital currency of the central bank is unprecedented and will have a great impact on our lives. So, what will happen to digital currency, the central bank? We can find from the patent situation in digital currency that the central bank.
At present, the central bank, the research and development institution in digital currency, is the digital currency Research Institute of the central bank. At present, 74 patents have been applied for, mainly involving the implementation and trading methods of central bank digital currency, central bank digital currency wallet and central bank digital currency chip card.
In the above aspects, the implementation mode, transaction mode and digital currency wallet of the central bank are all pure software development contents, which are most likely developed by the digital currency Research Institute of the central bank itself, and there are almost no corresponding targets in the market. Only the digital currency chip card of the central bank is a combination of software and hardware, which needs the follow-up and adaptation of potential suppliers in the market.
The main patents of digital currency chip card of the central bank include: the method and system of depositing digital currency into digital currency chip card, the method and system of exchanging physical cash with digital currency chip card, the method and system of paying digital currency between visual digital currency chip cards, the method and system of online payment with digital currency chip card, the method and system of offline payment with digital currency chip card, the method and system of paying digital currency with digital currency chip card, the exchange and payment method based on digital currency chip card and digital currency system, and the method and system of paying digital currency with visual digital currency chip card.
In the patent, the central bank's digital currency chip card is defined as follows: digital currency chip card includes the following forms: visible Bluetooth IC card, IC card, mobile phone -eSE card, mobile phone-secure SD card and mobile phone -SIM card. The patent "Method and System for Storing digital currency in digital currency Chip Card" mentioned that in the mobile payment service mode, the key storage carrier in digital currency can be provided by hardware SE module (security module), HCE and TEE.
At present, the only listed company with the above conditions is Hublot, which integrates financial IC, mobile payment, blockchain, Internet of Things, Huawei concept and many other topics.
Among them, Financial IC: Company is the only manufacturer in China that has passed EMV certification. It is a modern high-tech enterprise which is led by intelligent products and integrates service, R&D, production and sales. It has a relatively complete industrial chain of "COS development-card surface design-card base production-personalization". The main production equipment has advanced technology, high degree of automation and large capacity, with an annual output of magnetic stripe cards 10. Eligible to provide Flexi. The company's products cover bank cards, communication cards, tax control cards, etc. It is the designated supplier and strategic partner of financial institutions such as People's Republic of China (PRC) State Taxation Administration of The People's Republic of China and China Industrial and Commercial Bank, communication institutions such as China Telecom and China Mobile, and industry organizations such as Visa and China UnionPay. It has the manufacturing conditions of the central bank's digital currency chip card.
Mobile payment is a bright spot: the overall solution of mobile payment integrates the latest technologies such as mobile payment, industry HCE, QR code and mobile phone TA shield, which is a hot demand of commercial banks at home and abroad; Take mPOS as the entrance and rely on big data technology to develop small and medium-sized Wechat business services. Complete the development of financial mobile phone shield products, and cooperate with Huawei to provide China Construction Bank with a security solution for financial mobile phone shield products based on TEE environment.