Fair E-cash payment model on credit overdraft

It proposes a fair e-cash payment model on credit outdrawing, which can avoid the odd change and division of E-cash, Users, according to the bill of credit issued by the bank, get the E-cash to pay their consumption to sellers after verification by the sellers without the participation of bank at each time. The role of banks is to solve the disputes between the users and sellers to ensure the fairness. It can avoid the problem of partition e-cash for changes, prevent from reusing e-cash and faking e-cash. It fits justice, anonymity, non-deny and impartiality.