Monetary asset networked operating technology and operating method

The invention discloses a monetary asset networked operating technology and an operating method, and is an innovation in the technical field of financial electronic information. The conventional network monetary circulation payment settlement has high cost due to various complex encryption technologies, and the network security problem cannot be completely solved, so that the monetary asset networked operation is limited to a certain extent. According to the monetary asset networked operating technology and the operating method, circulation and payment settlement of money are independently performed by software and hardware payment operations respectively, security and smoothness of monetary circulation transaction are ensured by using an account system and a monetary system, the operation is simple, convenient and easy, the cost is low, and the security is high.