DYNAMIC ELECTRONIC MONEY

摘要

A method including receiving, by a device, information associated with a payment amount associated with a transaction, determining, by the device and based on the information, that a first money token is associated with an amount that is less than the payment amount, the first money token including a first electronic watermark, identifying, by the device and based on determining that the first money token is associated with the amount that is less than the payment amount, a second money token associated with the device, combining, by the device and based on identifying the second money token, information associated with the first money token and information associated with the second money token to create a third money token, the third money token including a second electronic watermark, and transmitting, by the device the third money token, the third money token being received by another device, and the second electronic watermark being decrypted, by the other device, to process the transaction. Sending bank - 4Receiving bank 101 BankngCarg $system - ehns electronic ymen POS ,Branch File transfer / 2--- Physical cash Physical cash A