CN106920169A - A kind of digital ticket method of commerce and system based on block chain and digital cash - Google Patents
A kind of digital ticket method of commerce and system based on block chain and digital cash Download PDFInfo
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- CN106920169A CN106920169A CN201710134815.2A CN201710134815A CN106920169A CN 106920169 A CN106920169 A CN 106920169A CN 201710134815 A CN201710134815 A CN 201710134815A CN 106920169 A CN106920169 A CN 106920169A
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- digital ticket
- application
- digital
- block chain
- ticket
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention discloses a kind of digital ticket method of commerce based on block chain and digital cash, digital ticket method of commerce includes：Block chain receives the digital ticket transaction application of input；Wherein, digital ticket transaction application include drawing a bill registration apply, presentation for acceptance application, prompting receive ticket application, negotiability application, discount apply, interbank discount application；Block chain performs the corresponding operation of digital ticket transaction application；The method can realize bill operation on the basis of block chain, while carrying out bill business using digital cash；The invention also discloses a kind of digital ticket transaction system based on block chain and digital cash, with above-mentioned beneficial effect.
Description
Technical field
The present invention relates to technical field of data processing, more particularly to a kind of digital ticket based on block chain and digital cash
Method of commerce and system.
Background technology
Traditional bill has two kinds of " paper ticket " and " electric ticket ", and wherein paper ticket is to use special paper, public using enterprise, bank
Zhang Zuowei is drawn a bill and honours the bill of voucher and street certificate, and electric ticket is then the abbreviation of electronic bill, and it is mainly provided by monitoring party
The registration of centralization carries out registration, the circulation business of bill.But realize bill operation there is presently no in block chain.Cause
How this, realize bill operation in block chain, is those skilled in the art's technical issues that need to address.
The content of the invention
It is an object of the invention to provide a kind of digital ticket method of commerce based on block chain and digital cash and system, energy
It is enough to realize bill operation on the basis of block chain, while carrying out bill business using digital cash.
In order to solve the above technical problems, the present invention provides a kind of digital ticket counterparty based on block chain and digital cash
Method, the digital ticket method of commerce includes：
Block chain receives the digital ticket transaction application of input；Wherein, the digital ticket transaction application includes drawing a bill stepping on
Ticket application, negotiability application, discount application, interbank discount application are received in note application, presentation for acceptance application, prompting；
The block chain performs the corresponding operation of the digital ticket transaction application.
Optionally, when digital ticket transaction application is applied for registration of drawing a bill, the block chain performs the numeral
The corresponding operation of bill business application, including：
Receive the registration application of drawing a bill of check drawer's input；
Billing information in the registration application of drawing a bill is verified, and is sent to the check drawer after being verified
Draw a bill successful respond, and the digital draft bank of distribution, the state for recording the digital draft bank correspondence digital ticket is registered to draw a bill.
Optionally, when digital ticket transaction application is for presentation for acceptance application, the block chain performs the numeral
The corresponding operation of bill business application, including：
The presentation for acceptance application initiated to accepting bank of check drawer's input is received, the state of correspondence digital ticket is changed to carry
Show to honour and wait to sign for；
When response is signed in the agreement for receiving accepting bank's transmission, the state of correspondence digital ticket is changed for prompting is held
Convert and signed for.
Optionally, when digital ticket transaction application receives ticket application for prompting, the block chain performs the numeral
The corresponding operation of bill business application, including：
Ticket application is received in the prompting initiated to drawee for receiving check drawer's input, changes the state of correspondence digital ticket to carry
Show that receipts ticket is waited to sign for；
When response is signed in the agreement for receiving drawee's transmission, the state of modification correspondence digital ticket is prompting receipts
Ticket has been signed for.
Optionally, when digital ticket transaction application is for negotiability application, the block chain performs the numeral
The corresponding operation of bill business application, including：
The negotiability application initiated to endorsee of endorser's input is received, the state of modification correspondence digital ticket is
Endorse and wait to sign for；
When response is signed in the agreement for receiving endorsee's transmission, the state of modification correspondence digital ticket is endorsement
Sign for.
Optionally, when digital ticket transaction application is for discount application, the block chain performs the digital ticket
The corresponding operation of transaction application, including：
The discount application initiated to discount house of discount applicant's input is received, the state of correspondence digital ticket is changed to buy
Disconnected formula is discounted and waits to sign for；
When response is signed in the agreement for receiving the discount house transmission, the state of modification correspondence digital ticket is to buy out formula
Discount has been signed for.
Optionally, when digital ticket transaction application is for interbank discount application, the block chain performs the digital ticket
According to the corresponding operation of transaction application, including：
Receive interbank discount produce row input to be posted turning now to row initiate interbank discount application, modification correspondence digital ticket
State wait to sign for for interbank discount；
When receive it is described be posted the agreement that is sent turning now to row and sign for response, the state of modification correspondence digital ticket is to turn
Discount has been signed for.
Optionally, this programme also includes：
Ticket information is removed when what the block chain received the check drawer, and the state of correspondence digital ticket has been stepped on to draw a bill
When note or presentation for acceptance have been signed for, the state of correspondence digital ticket is changed for bill has cancelled.
Optionally, this programme also includes：
If the block chain detect digital ticket be in expire the same day when, to correspondence accepting bank initiate present the bill for payment hand over
Easily, the state of correspondence digital ticket is changed for present the bill for payment is waited to pay off；
If the block chain detects digital ticket in overdue state, the state of modification correspondence digital ticket is collection
It is overdue；
If current bearer receives the digital cash of denomination, the shape of the block chain modification correspondence digital ticket
State is settled for bill.
Optionally, this programme also includes：
The block chain carries out digital ticket circulation clearing operation synchronous with fund using DVP.
The present invention also provides a kind of digital ticket transaction system based on block chain and digital cash, including：
Receiver module, the digital ticket for receiving input for block chain is concluded the business and is applied；Wherein, the digital ticket transaction Shen
Please include draw a bill registration application, presentation for acceptance application, the application of prompting receipts ticket, negotiability application, discount application, interbank discount Shen
Please；
Performing module, the corresponding operation of the digital ticket transaction application is performed for the block chain.
A kind of digital ticket method of commerce based on block chain and digital cash provided by the present invention, digital ticket transaction
Method includes：Block chain receives the digital ticket transaction application of input；Wherein, digital ticket transaction application includes registration Shen of drawing a bill
Please, ticket application, negotiability application, discount application, interbank discount application are received in presentation for acceptance application, prompting；The block chain is performed
The corresponding operation of digital ticket transaction application；
It can be seen that, the method can realize the whole business procedure of bill business in block chain, for digital ticket is provided not
It is same as the brand-new bill circulation business of paper-bill and electronic bill；Bill operation can be realized on the basis of block chain,
Simultaneously bill business is carried out using digital cash；Present invention also offers a kind of digital ticket based on block chain and digital cash
Transaction system, with above-mentioned beneficial effect, will not be repeated here.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Inventive embodiment, for those of ordinary skill in the art, on the premise of not paying creative work, can also basis
The accompanying drawing of offer obtains other accompanying drawings.
The flow of the digital ticket method of commerce based on block chain and digital cash that Fig. 1 is provided by the embodiment of the present invention
Figure；
The schematic flow sheet of drawing a bill based on block chain and digital cash that Fig. 2 is provided by the embodiment of the present invention；
The state change schematic diagram of digital ticket in the flow of drawing a bill that Fig. 3 is provided by the embodiment of the present invention；
The negotiability schematic flow sheet based on block chain and digital cash that Fig. 4 is provided by the embodiment of the present invention；
The discount schematic flow sheet based on block chain and digital cash that Fig. 5 is provided by the embodiment of the present invention；
The interbank discount schematic flow sheet based on block chain and digital cash that Fig. 6 is provided by the embodiment of the present invention；
The present the bill for payment schematic flow sheet based on block chain and digital cash that Fig. 7 is provided by the embodiment of the present invention；
The digital ticket transaction flow schematic diagram that Fig. 8 is provided by the embodiment of the present invention；
The structure of the digital ticket transaction system based on block chain and digital cash that Fig. 9 is provided by the embodiment of the present invention
Block diagram.
Specific embodiment
Core of the invention is to provide a kind of digital ticket method of commerce based on block chain and digital cash and system, energy
It is enough to realize bill operation on the basis of block chain, while carrying out bill business using digital cash.
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention
In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is
A part of embodiment of the present invention, rather than whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art
The every other embodiment obtained under the premise of creative work is not made, belongs to the scope of protection of the invention.
The noun occurred in the present embodiment is illustrated below：
Block chain：The unified account book of distribution, book keeping operation content is together decided on by all participants, and each participant is preserved
Full dose data, any individuality cannot be distorted to data.
Common recognition：Block chain proper noun.Do not exist single Billing Center on block chain, account book is recorded jointly by the whole network
, this occurs as soon as a problem, i.e., how to determine whether a transaction is legal.Determine whether legal and certain node is pushed away for certain transaction
Whether the packing block recommended is called common recognition by the process that everybody approves.Block only by knowing together can just be recognized by the whole network
Can.
Alliance's chain：It is relative with publicly-owned chain, it is one kind of block chain.Feature is, with access system, only to get the Green Light
Participant could be added.It is corresponding, two kinds of roles of monitoring party and common participant are had in alliance's chain.
Block chain is concluded the business：Or referred to as conclude the business, refer in particular to a segment information that participant sends and it is entered using the private key of oneself
The content on block chain is sent to after row digital signature.Generally transaction includes payment transaction, or intelligent contract is created, calls friendship
Easily.
Intelligent contract：One section of program code on block chain, it is stipulated that the right and duty of contract relevant people and action
Clause.Contract relevant people confirms intelligent contract by sending the transaction of block chain, pays digital cash, tune that contract may need
Function of being specified with intelligent contract etc..
Account address：An account in block chain network, typically by certain unsymmetrical key public key certain deformation
Form occur, only hold the corresponding private key in the address can obtain operation the account authority.
Intelligent contract address：The corresponding virtual account of intelligent contract, different from regular account address, intelligent contract address does not have
There is corresponding operation private key, it is to specify which account address there can be operating right by contract code.
Digital cash：On block chain it is payable, can add up, the digital information of divisible merging, on block chain
Used as money flow, it is held by foregoing account address or intelligent contract address.Legal digital cash：Issued by Central Bank of government
Digital cash.
Digital asset：Transferable digital information on block chain, often in kind corresponding with certain of real world, it is by preceding
Account address or intelligent contract address is stated to hold.
Bill：The evidence for payment of broad sense, carries out schemes show by taking bank acceptance bill or enterprise's acceptance bill as an example here.
Draw a bill and honour：Enterprise A applications, (referred to as accepting bank) that bank A is honoured, of enterprise B receiving defers payment
Voucher.The voucher arranges the fund for the Expiration Date paying specified number to bearer from bank A.
Negotiability：(bill) the people A that takes ticket is acted to the bill ownership transfer that bearer B is initiated.
Discount：Bearer's (refering in particular to enterprise bearer) holds bill prepayment to bank's (referred to as discount house) application.Branch
The amount of money is paid for face of note is subtracted because the interest of prepayment appearance is poor.Discount house and accepting bank are frequently not same bank.
Discount rate：The interest rate of interest-bearing bank during discount.
Interbank discount：The behavior referred to as interbank discount of bill transfer transaction is carried out between bank./ interbank discount rate：Interbank discount is concluded the business
When interest-bearing interest rate.
Collection：The full name entrusted collections of payment, refers to the behavior of banker's payment after bill to fall due.
Discount again：Behavior of the bank by bill interbank discount to Central Bank is referred to as discounted again.Rate of rediscount：Ibid.
DVP (certificate money is cashed)：In bill business, the change of bill ownership and the payment of transaction fund are synchronously carried out, together
Shi Chenggong failures simultaneously.With reference to legal tender, digital ticket can further realize that DVP certificate moneys are cashed.
Digital ticket in the present embodiment refer to based on bottom block chain technology (or alliance chain technology) and cryptographic algorithm,
With intelligent contract as carrier, with reference to existing bill attribute, regulation and market, a kind of brand-new bill developed represents shape
Formula.Every digital ticket, is all one section of shell script comprising bill data information and bill operation logic.It operates in bottom
In block chain (or alliance's chain) network, possess independent life cycle and the traffic handing capacity from maintenance.Specifically refer to figure
1, the digital ticket method of commerce based on block chain and digital cash, digital ticket method of commerce can include：
S100, block chain receive the digital ticket transaction application of input；Wherein, digital ticket transaction application includes drawing a bill stepping on
Ticket application, negotiability application, discount application, interbank discount application are received in note application, presentation for acceptance application, prompting；
Specifically, operation flow in digital ticket process of exchange can include drawing a bill, endorse, discounting, interbank discount
Deng.The present embodiment can include that these flows are still not limited only to these flows, can also be according to the transaction of real figure bill
Demand is added and changes.The operation flows such as collection can also for example be increased.The present embodiment core is by bill business
Each flow is realized by block chain.Even if the flow of whole bill business can be realized in block chain network.For example lead to
Cross and write the corresponding service logic shell script of each flow.
S110, block chain perform the corresponding operation of digital ticket transaction application.
Specifically, block chain calls corresponding shell script to perform after the digital ticket for receiving input concludes the business application
Corresponding operation, has completed the corresponding transaction flow of digital ticket transaction application.So as to realize the digital ticket in block chain
According to transaction.
Wherein, draw a bill that registration apply, presentation for acceptance application, prompting receipts ticket application belong in operation flow of drawing a bill each
The corresponding application of sub-process.Business packet of successfully drawing a bill include ticket information registration sub-process, check drawer's presentation for acceptance sub-process,
Paper money flow is received in check drawer's prompting.
Specifically, when user sends ticket registration application, the digital ticket transaction platform in block chain receives this and draws a bill
, it is necessary to be audited to the registration application of drawing a bill after registration application, judge whether the billing information meets the legal requirements.When not being inconsistent
Closing regulation i.e. examination ＆ verification can not circulated by the then bill in block chain.At this moment block chain can also issue the user with examination ＆ verification
Unsanctioned prompting, so that user can be with time update billing information.When regulation is met, i.e. examination ＆ verification is by the way that then the bill can
Circulated in block chain.At this moment the digital ticket transaction platform in block chain can return to user and draw a bill and be registrated successfully the letter of response
Cease, the digital ticket does not distribute a unique mark of the whole network, i.e., the digital ticket in subsequent operation there must be the mark
It can be considered as legal bill to know the talent, and is also the identity documents of the digital ticket.The present embodiment is not to the mark
Concrete form is defined.It for example can be digital draft bank.
Further, not only only circulate a digital ticket in block chain, and digital ticket is in different transaction flows
The certain operations of corresponding user have different regulations.Therefore when digital ticket is a lot, block chain is managed for convenience
Whether operation of the user to some digital ticket meets regulation, and is easy to user to be searched in block chain, understands some numbers
The details of word bill, it is preferred in the present embodiment, the state of digital ticket can also be recorded, for example draw a bill registered, carry
Show to honour and signed for, endorsing and waiting to sign for etc., it can often receive a response for one state of correspondence under every kind of application
When correspondence one state.So user sees that a digital ticket is clear how the current state of the digital ticket, is easy to
User's subsequent operation.But the title in the present embodiment not to each state is defined；Draw a bill and registered only represent
Ticket is registrated successfully this state, is not necessarily required to be set to show " draw a bill and stepped on " these words, and it can also be drawn a bill
It is registered for, or successfully draws a bill again or draw a bill successfully etc. and represent this state.Other states are also such case.
And in order to further facilitate understanding of the user to digital ticket current state, saying for every kind of state can also be recorded
It is bright.For example draw a bill registered, then show that the digital ticket transaction platform in block chain is successfully received going out for the digital ticket
Ticket registration application, and for it is assigned with a unique draft bank.So user can in detail understand the state of digital ticket and contain
Justice.Further facilitate user to digital ticket be in current state when, the understanding of the information such as operation that user can be carried out may be used also
With the function declaration including corresponding states.For example when digital ticket is in draws a bill registered, its check drawer can carry out removing ticket
Operation, presentation for acceptance operation.When so user can in detail understand digital ticket in current state, its correspondence that can be performed
Operation.Above-mentioned digital ticket state, state description, and the corresponding function declaration of state can be included all, it is also possible to part
Comprising the present embodiment is contrasted and is not defined.Above-mentioned digital ticket state, state description, and the corresponding function of state
Illustrate to be shown in each digital ticket, such as when digital ticket is in draws a bill registered, it draws a bill comprising this
The title of enrollment status, the registered description of drawing a bill, and registered function declaration content of drawing a bill.Can also be only
Display digital ticket Status Name, corresponding states description and function declaration content can receive the idsplay order of user
Shi Jinhang shows.So better adaptability, is easy to protrude main information.Digital ticket Status Name can certainly only be shown.
Other guide recalls digital ticket state table so that user is checked when the instruction of user is received.Can not only reduce
Repeat specification and block chain memory space can be saved.The form of such as table can be with shown in table 1.The present embodiment is not to state
The mode of display is defined.
The digital ticket state table of table one
When digital ticket status data is included, it is necessary to respectively apply adding status modifier in corresponding implementation procedure
Shell script.I.e. preferred, when digital ticket transaction application registers application to draw a bill, block chain performs digital ticket transaction Shen
Please corresponding operation can include：
Receive the registration application of drawing a bill of check drawer's input.
Billing information in registration application of drawing a bill is verified, and is drawn a bill successfully to check drawer's transmission after being verified
Response, and the digital draft bank of distribution, the state of the digital draft bank correspondence digital ticket of record are registered to draw a bill.Specifically, when checking
When (auditing) does not pass through, the unsanctioned prompting of examination ＆ verification can be issued the user with.
Preferably, when digital ticket transaction application is for presentation for acceptance application, block chain performs digital ticket transaction application
Corresponding operation can include：
The presentation for acceptance application initiated to accepting bank of check drawer's input is received, the state of correspondence digital ticket is changed to carry
Show to honour and wait to sign for.
When receive accepting bank transmission agreement sign for response when, modification correspondence digital ticket state for presentation for acceptance
Sign for.
Specifically, when the presentation for acceptance application initiated to accepting bank of check drawer's input is received, in showing block chain
Digital ticket transaction platform receives this application, will the status modifier of digital ticket wait to sign for for presentation for acceptance.If block chain
In when being unsuccessfully received this application, then the state of digital ticket is still registered to draw a bill.
Accepting bank receives the presentation for acceptance application in block chain and can be made in block chain according to the situation of itself
Response.When response is signed in the agreement for receiving accepting bank's transmission, the state of correspondence digital ticket is changed for presentation for acceptance has been signed
Receive.When receive accepting bank transmission disagree sign for response when, then the state of digital ticket is still for presentation for acceptance is waited to sign for.
Preferably, when digital ticket transaction application receives ticket application for prompting, block chain performs digital ticket transaction application
Corresponding operation can include：
Ticket application is received in the prompting initiated to drawee for receiving check drawer's input, changes the state of correspondence digital ticket to carry
Show that receipts ticket is waited to sign for；
When response is signed in the agreement for receiving drawee's transmission, the state of modification correspondence digital ticket is that prompting has received ticket
Sign for.
Specifically, when ticket application is received in the prompting initiated to drawee for receiving check drawer's input, in showing block chain
Digital ticket transaction platform receives this application, will digital ticket status modifier for prompting receive ticket wait to sign for.If block chain
In when being unsuccessfully received this application, then the state of digital ticket is still for presentation for acceptance has been signed for.
Drawee receives prompting receipts ticket application in block chain and can be made in block chain according to the situation of itself
Response.When response is signed in the agreement for receiving drawee's transmission, the state of modification correspondence digital ticket is received ticket and has been signed for prompting
Receive.When receive accepting bank transmission disagree sign for response when, then the status modifier presentation for acceptance of digital ticket has been signed for.
Said process is exemplified below, Fig. 2 is specifically refer to, the stream of drawing a bill based on block chain and digital cash is given
Journey schematic diagram detailed process can be as follows：Wherein, dotted line represents that the transaction content must go up block chain and be notarized by the whole network node.That is Shen
Transmission and the reply of response please is issued in block chain, and correspondence user obtains corresponding information from block chain.For example send out
It is the digital ticket transaction platform in block chain that ticket of the cloth in block chain hands over institute region.
1st, enterprise A (check drawer) initiates registration (signing and issuing) transaction of drawing a bill, and message is committed to digital ticket platform.
2nd, digital ticket platform return enterprise A draws a bill and is registrated successfully response, and distributes the whole network a unique mark (numeral
Draft bank).
3rd, enterprise A initiates presentation for acceptance application to accepting bank.
4th, the presentation for acceptance application of enterprise A initiations is agreed to sign for by accepting bank.
5th, enterprise A initiates prompting and receives ticket application to enterprise B (drawee).
6th, enterprise B agrees to that ticket application is received in the prompting for signing for enterprise A initiations.
The state change of the digital ticket in Fig. 2 corresponding each period may be referred to Fig. 3.
Preferably, when digital ticket transaction application is for negotiability application, block chain performs digital ticket transaction application
Corresponding operation can include：
The negotiability application initiated to endorsee of endorser's input is received, the state of modification correspondence digital ticket is
Endorse and wait to sign for.
When response is signed in the agreement for receiving endorsee's transmission, the state of modification correspondence digital ticket has been signed to endorse
Receive.
Specifically, refer to Fig. 4 explanation said process：Wherein, dotted line represents that the transaction content must go up block chain by the whole network
Node is notarized.
1st, enterprise A (endorser) initiates negotiability application (initiating to invite), the digital ticket to enterprise B (endorsee)
Wait to sign for endorse according to state.
2nd, enterprise B agrees to the endorsement application of enterprise A, and the digital ticket state has been signed for for endorsement.
Preferably, when digital ticket transaction application is for discount application, block chain performs digital ticket transaction application correspondence
Operation can include：
The discount application initiated to discount house of discount applicant's input is received, the state of correspondence digital ticket is changed to buy
Disconnected formula is discounted and waits to sign for.
When response is signed in the agreement for receiving discount house transmission, the state of modification correspondence digital ticket is discounted to buy out formula
Sign for.
Specifically, refer to Fig. 5 explanation said process：Wherein, dotted line represents that the transaction content must go up block chain by the whole network
Node is notarized.
1st, enterprise A (discount applicant) initiates discount application, the digital ticket current state to business bank A (discount house)
Discount to buy out formula and wait to sign for.
2nd, business bank A (discount house) agrees to customer account discounted application, and action, the numeral are signed in the discount for sending digital ticket
Bill current state has been signed for buy out formula discount.
Follow-up business bank A (discount house), can give customer account discounted and makes loans to clear mode under line.
Preferably, when digital ticket transaction application is for interbank discount application, it is right that block chain performs digital ticket transaction application
The operation answered can include：
Receive interbank discount produce row input to be posted turning now to row initiate interbank discount application, modification correspondence digital ticket
State wait to sign for for interbank discount.
It is posted the agreement that is sent turning now to row and signs for response when receiving, the state of modification correspondence digital ticket is interbank discount
Sign for.
Specifically, interbank discount application here can include buying out formula interbank discount application and repurchase formula interbank discount application, return
System is automatically performed repurchase action after purchase formula interbank discount repurchase expires.Below above-mentioned mistake is illustrated as a example by buying out formula interbank discount application
Journey, specifically refer to Fig. 6, wherein, dotted line represents that the transaction content must go up block chain and be notarized by the whole network node.
1st, business bank A (row is produced in interbank discount) initiates outright sale formula interbank discount Shen to business bank B (being posted turning now to row)
Please (initiate to invite), the digital ticket state is waited to sign for for interbank discount.
2nd, business bank B agrees to the interbank discount application of business bank A, is pasted into row head office and specifies with digital cash by contract
Form payment business bank B interbank discount Considerations, the digital ticket state has been signed for be posted.
3-1, produce and operate under capable fund clearing line.
3-2, it is transferred under capable fund clearing line and operates.
The circulation of digital ticket can be handed over the clearance of digital cash by ticket in access block chain in further the present embodiment
Head office of both sides bank on behalf of initiation.
Above-described embodiment is based further on, the method can also include：
Ticket information is removed when what block chain received check drawer, and the state of correspondence digital ticket is registered or prompting of drawing a bill
Honour when having signed for, the state of modification correspondence digital ticket has been cancelled for bill.
Specifically, being the bill that registered or presentation for acceptance signed for of drawing a bill for bill state, check drawer can be by enterprise
Industry end operation system is carried out removing ticket operation, and block chain is received after removing ticket, is the state that bill has cancelled by bill Status Change.
When digital ticket is in the state that bill has cancelled, any user must not carry out any operation to the bill again.
Above-mentioned any embodiment is based further on, the method can also be including present the bill for payment/collection flow：
If block chain detect digital ticket be in expire the same day when, to correspondence accepting bank initiate present the bill for payment conclude the business, repair
Change the state of correspondence digital ticket for present the bill for payment is waited to pay off.
If block chain detects digital ticket in overdue state, the state of correspondence digital ticket is changed for collection exceedes
Phase.
If current bearer receives the digital cash of denomination, the state of block chain modification correspondence digital ticket is
Bill is settled.
Wherein, the state that the state namely present the bill for payment that bill is settled are settled.Said below by a specific example
Bright said process, specifically refer to Fig. 7.
1st, same day digital ticket Expiration Date, initiate present the bill for payment from trend accepting bank by digital ticket transaction system and conclude the business,
Present the bill for payment is waited to pay off.
If 2-1, currently take ticket artificial financial institution (business bank A), accepting bank pays finance in the form of digital cash
Mechanism's A denominations, the digital ticket state is set to present the bill for payment and is settled.
If 3-1, currently take ticket artificial enterprise (enterprise A), accepting bank payment business bank B in the form of digital cash (enterprises
The bank of deposit of industry A) denomination, the digital ticket state put still for present the bill for payment is waited to pay off.
3-2, after being cleared under business bank B and enterprise A complete line accepting bank is notified, the digital ticket state is put still to carry
Show that payment is settled.
Based on above-mentioned each embodiment, the digital ticket process of exchange can include flow of drawing a bill, and remove ticket flow, and endorsement turns
Allow flow, discount flow, interbank discount flow and present the bill for payment flow.Specifically refer to Fig. 8.Illustrate digital ticket business
Whole operation flow.
Based on above-mentioned technical proposal, the digital ticket counterparty based on block chain and digital cash that the embodiment of the present invention is carried
Method, can realize the whole business procedure of bill business in block chain, for digital ticket is provided different from paper-bill and electricity
The brand-new bill circulation business of sub- bill；Bill operation can be realized on the basis of block chain, while using digital cash
Carry out bill business.
Based on above-mentioned any embodiment, the method can also include：
Block chain is registered and storage digital ticket information.
Specifically, digital ticket information RT register traffic, storage service refer to that system completes internal making out an invoice in commercial silver every trade
After approval process, necessary digital ticket information is sent into the digital ticket platform into block chain, digital ticket platform is to this
The behavior registered and stored.Application check drawer, check drawer (accepter) and drawee must be to the digital tickets of generation
Signed electronically, and retained sign test information by regulation.So as to provide the safety and reliability of digital ticket transaction system.
Based on above-mentioned any embodiment, the method can also include：
Block chain receives the query statement of input, and feeds back corresponding inquiry data.
Specifically, in block chain digital ticket platform can provide inquiry service, i.e., digital ticket platform can provide with
The inquiry of system participant relevant information, the behavior for notifying the information announcements such as bulletin.Participant can be improved by the inquiry service
The efficiency of digital ticket transaction is carried out using digital ticket platform in block chain, while improve Consumer's Experience.
Based on above-mentioned any embodiment, the method can also include：
Block chain receives the public offer data of the digital ticket interbank discount business of input, and inquiry transaction is carried out to participate in row
Information service is provided.
Specifically, it refers to that digital ticket platform provides number that digital ticket platform can provide bill quote service in block chain
The public offer of word bill interbank discount business, for participating banks carries out the behavior that inquiry transaction provides information service.
Based on above-mentioned any embodiment, the method can also include：
Block chain carries out digital ticket circulation clearing operation synchronous with fund using DVP.
Specifically, digital ticket circulation and fund clearing business refer to digital ticket negotiability, discount, interbank discount,
Expire and corresponding funds transfer change business is completed while the bill Status Change such as cashing.Specific implementation is to utilize bottom
The DVP DVP attributes that block chain (or alliance's chain) and Central Bank's digital cash are provided, for digital ticket is provided different from papery
The brand-new bill circulation business of bill and electronic bill.
That is the digital ticket transaction of both sides is restricted by intelligent contract, realizes that digital ticket ownership and fund are synchronous clear
Calculate.When this stroke numeral bill interbank discount transaction is created, the designation number bill that it is held is locked in intelligence to such as counterparty A
Can be in contract (cannot carry out digital ticket Status Change), until A removes transaction or B receives/refusal transaction.B receives
Must be sent during transaction specified quantity digital cash (here the quantity of digital cash can carry out secret protection i.e. except transaction
Other third parties cannot see that specific data with monitoring party for side) bill could be unlocked, the digital ticket is solved in this way
Ownership is altered to B under one's name at once after lock, while the digital cash that B sends also incorporates A at once, so as to complete a DVP interbank discount
Transaction.If B selection refusal transaction, or transaction is removed in A selections before B makes decision, then the ownership of the digital ticket is still
So ownership A, and A has the right to change its succeeding state, and the digital cash of B also keeps original number.Above-mentioned flow is realized
Digital ticket ownership, the synchronization of digital cash circulation are carried out.And the two is atomicity, can only simultaneously complete or while lose
Lose.
Carrying out digital ticket circulation clearing operation DVP transaction synchronous with fund by DVP can ensure both parties' numeral
The synchronous transfer of assets, will not be former because of subjective (such as insufficient funds, sincerity) or objective (such as system mistake, network error)
Because causing assets transfer asynchronous.Ensure the legitimate rights and interests of block chain participant.Improve the security of digital ticket transaction system
And reliability.
Carried out between bank interbank discount business and other when being related to the business of bill business, in order to realize that DVP certificate moneys are converted
Function is paid, it is necessary to open transaction detail is to reach block chain common recognition on block chain.But due to trade details such as interbank discount rates
It is the privacy information of each financial institution, it is undesirable to disclosed to the third party in addition to monitoring party, counterparty side.Therefore need
Secret protection scheme under the premise of one third party's common recognition.Above-mentioned any embodiment is based on, the method can also include：
Secret protection is carried out to digital bill business process.
Specific secret protection flow can be as follows：
1st, counterparty A is by digital ticket ownership information P, the secret protection information M of digital ticket dealing money, analogue B
The requisite information such as account address be published on block chain, while by the cleartext information R of dealing money with A B both sides make an appointment
Key encryption after obtain E, be sent to B.
2nd, analogue B obtains R after above-mentioned E is decrypted, equal with R using Privacy preserving algorithms checking M.
3rd, analogue submits a payment transaction on block chain, and the digital cash of M ' after secret protection is encrypted is paid to A.
4th, third party can verify M=M ' using Privacy preserving algorithms, and reach common understanding after doing other necessary checkings, really
Recognize transaction.
Based on above-mentioned technical proposal, the digital ticket counterparty based on block chain and digital cash that the embodiment of the present invention is carried
Method, can realize the whole business procedure of bill business in block chain, for digital ticket is provided different from paper-bill and electricity
The brand-new bill circulation business of sub- bill；Bill operation can be realized on the basis of block chain, while using digital cash
Carry out bill business.And function is cashed using DVP certificate moneys, and privacy protection function improves the reliability of digital ticket process of exchange
Property and security.
The digital ticket transaction system based on block chain and digital cash provided in an embodiment of the present invention is situated between below
Continue, the digital ticket transaction system based on block chain and digital cash described below is with above-described based on block chain sum
The digital ticket method of commerce of word currency can be mutually to should refer to.
Refer to Fig. 8, the transaction of the digital ticket based on block chain and digital cash that Fig. 8 is provided by the embodiment of the present invention
The structured flowchart of system；The system can include：
Receiver module 100, the digital ticket for receiving input for block chain is concluded the business and is applied；Wherein, digital ticket transaction Shen
Please include draw a bill registration application, presentation for acceptance application, the application of prompting receipts ticket, negotiability application, discount application, interbank discount Shen
Please；
Performing module 200, the corresponding operation of digital ticket transaction application is performed for block chain.
Based on above-described embodiment, the performing module 200 can include：
First execution unit, the registration application of drawing a bill of check drawer's input is received for block chain；To the registration Shen of drawing a bill
Please in billing information verified, and sent to the check drawer after being verified and draw a bill successful respond, and distribution numeral
Draft bank, the state for recording the digital draft bank correspondence digital ticket is registered to draw a bill.
Second execution unit, the presentation for acceptance application initiated to accepting bank of check drawer's input is received for block chain, is repaiied
Change the state of correspondence digital ticket for presentation for acceptance is waited to sign for；When response is signed in the agreement for receiving accepting bank's transmission,
The state of modification correspondence digital ticket has been signed for for presentation for acceptance.
Ticket application is received in 3rd execution unit, the prompting initiated to drawee for receiving check drawer's input for block chain, is repaiied
Change the state of correspondence digital ticket for prompting receipts ticket is waited to sign for；When response is signed in the agreement for receiving drawee's transmission,
The state of modification correspondence digital ticket is received ticket and has been signed for for prompting.
4th execution unit, the negotiability application initiated to endorsee of endorser's input is received for block chain,
The state of modification correspondence digital ticket is waited to sign for endorse；When response is signed in the agreement for receiving endorsee's transmission,
The state of modification correspondence digital ticket has been signed for for endorsement.
5th execution unit, the discount application initiated to discount house of discount applicant's input is received for block chain, is repaiied
The state for changing correspondence digital ticket is discounted to buy out formula and waits to sign for；When response is signed in the agreement for receiving the discount house transmission
When, the state of modification correspondence digital ticket has been signed for buy out formula discount.
6th execution unit, for block chain receive interbank discount produce row input to be posted turning now to row initiate being posted
Now apply, change the state of correspondence digital ticket for interbank discount is waited to sign for；When receive it is described be posted turning now to row send it is same
Meaning signs for response, and the state of modification correspondence digital ticket has been signed for be posted.
Based on above-mentioned any embodiment, the system can also include：
Remove ticket unit, ticket information removed for receive the check drawer when block chain, and correspondence digital ticket state
When having been signed for for registered or presentation for acceptance of drawing a bill, the state of correspondence digital ticket is changed for bill has cancelled.
Based on above-mentioned any embodiment, the system can also include：
Present the bill for payment module, if for block chain detect digital ticket be in expire the same day when, to correspondence accepting bank send out
Present the bill for payment transaction is played, the state of correspondence digital ticket is changed for present the bill for payment is waited to pay off；If block chain detects digital ticket
During in overdue state, the state of modification correspondence digital ticket is that collection is overdue；If current bearer receives denomination
During digital cash, block chain changes the state of correspondence digital ticket for bill is settled.
Based on above-mentioned any embodiment, the system can also include：
Memory module, registers and storage digital ticket information for block chain.
Based on above-mentioned any embodiment, the system can also include：
Enquiry module, the query statement of input is received for block chain, and feeds back corresponding inquiry data.
Based on above-mentioned any embodiment, the system can also include：
Quoting services module, the public offer data of the digital ticket interbank discount business of input are received for block chain, are
Participating in row carries out inquiry transaction offer information service.
Based on above-mentioned any embodiment, the system can also include：
DVP transaction modules, digital ticket circulation clearing operation synchronous with fund is carried out for block chain using DVP.
Based on above-mentioned any embodiment, the system can also include：
Secret protection module, secret protection is carried out for block chain to digital bill business process.
Each embodiment is described by the way of progressive in specification, and what each embodiment was stressed is and other realities
Apply the difference of example, between each embodiment identical similar portion mutually referring to.For device disclosed in embodiment
Speech, because it is corresponded to the method disclosed in Example, so description is fairly simple, related part is referring to method part illustration
.
Professional further appreciates that, with reference to the unit of each example of the embodiments described herein description
And algorithm steps, can be realized with electronic hardware, computer software or the combination of the two, in order to clearly demonstrate hardware and
The interchangeability of software, generally describes the composition and step of each example according to function in the above description.These
Function is performed with hardware or software mode actually, depending on the application-specific and design constraint of technical scheme.Specialty
Technical staff can realize described function to each specific application using distinct methods, but this realization should not
Think beyond the scope of this invention.
The step of method or algorithm for being described with reference to the embodiments described herein, directly can be held with hardware, processor
Capable software module, or the two combination is implemented.Software module can be placed in random access memory (RAM), internal memory, read-only deposit
Reservoir (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technology
In field in known any other form of storage medium.
Above to a kind of digital ticket method of commerce and system based on block chain and digital cash provided by the present invention
It is described in detail.Specific case used herein is set forth to principle of the invention and implementation method, above reality
The explanation for applying example is only intended to help and understands the method for the present invention and its core concept.It should be pointed out that for the art
For those of ordinary skill, under the premise without departing from the principles of the invention, some improvement and modification can also be carried out to the present invention,
These are improved and modification is also fallen into the protection domain of the claims in the present invention.
Claims (11)
1. a kind of digital ticket method of commerce based on block chain and digital cash, it is characterised in that the digital ticket transaction
Method includes：
Block chain receives the digital ticket transaction application of input；Wherein, the digital ticket transaction application includes registration Shen of drawing a bill
Please, ticket application, negotiability application, discount application, interbank discount application are received in presentation for acceptance application, prompting；
The block chain performs the corresponding operation of the digital ticket transaction application.
2. digital ticket method of commerce according to claim 1, it is characterised in that when digital ticket transaction application is
When registration of drawing a bill is applied, the block chain performs the corresponding operation of the digital ticket transaction application, including：
Receive the registration application of drawing a bill of check drawer's input；
Billing information in the registration application of drawing a bill is verified, and is drawn a bill to check drawer transmission after being verified
Successful respond, and the digital draft bank of distribution, the state for recording the digital draft bank correspondence digital ticket are registered to draw a bill.
3. digital ticket method of commerce according to claim 2, it is characterised in that when digital ticket transaction application is
During presentation for acceptance application, the block chain performs the corresponding operation of the digital ticket transaction application, including：
The presentation for acceptance application initiated to accepting bank of check drawer's input is received, the state of correspondence digital ticket is changed for prompting is held
Convert and wait to sign for；
When receiving the agreement that the accepting bank sends and signing for response, the state of modification correspondence digital ticket for presentation for acceptance
Sign for.
4. digital ticket method of commerce according to claim 3, it is characterised in that when digital ticket transaction application is
When ticket application is received in prompting, the block chain performs the corresponding operation of the digital ticket transaction application, including：
Ticket application is received in the prompting initiated to drawee for receiving check drawer's input, changes the state of correspondence digital ticket for prompting is received
Ticket is waited to sign for；
When response is signed in the agreement for receiving drawee's transmission, the state of modification correspondence digital ticket is to have pointed out receipts ticket
Sign for.
5. digital ticket method of commerce according to claim 4, it is characterised in that when digital ticket transaction application is
During negotiability application, the block chain performs the corresponding operation of the digital ticket transaction application, including：
The negotiability application initiated to endorsee of endorser's input is received, the state of modification correspondence digital ticket is endorsement
Wait to sign for；
When response is signed in the agreement for receiving endorsee's transmission, the state of modification correspondence digital ticket has been signed to endorse
Receive.
6. digital ticket method of commerce according to claim 5, it is characterised in that when digital ticket transaction application is
During discount application, the block chain performs the corresponding operation of the digital ticket transaction application, including：
The discount application initiated to discount house of discount applicant's input is received, the state of correspondence digital ticket is changed to buy out formula
Discount and wait to sign for；
When response is signed in the agreement for receiving the discount house transmission, the state of modification correspondence digital ticket is discounted to buy out formula
Sign for.
7. digital ticket method of commerce according to claim 6, it is characterised in that when digital ticket transaction application is
During interbank discount application, the block chain performs the corresponding operation of the digital ticket transaction application, including：
Receive interbank discount produce row input to be posted turning now to row initiate interbank discount application, modification correspondence digital ticket shape
State is waited to sign for for interbank discount；
When receive it is described be posted the agreement that is sent turning now to row and sign for response, the state of modification correspondence digital ticket is interbank discount
Sign for.
8. digital ticket method of commerce according to claim 7, it is characterised in that also include：
Remove ticket information when what the block chain received the check drawer, and correspondence digital ticket state for draw a bill it is registered or
When presentation for acceptance has been signed for, the state of correspondence digital ticket is changed for bill has cancelled.
9. the digital ticket method of commerce according to claim any one of 1-8, it is characterised in that also include：
If the block chain detect digital ticket be in expire the same day when, to correspondence accepting bank initiate present the bill for payment conclude the business, repair
Change the state of correspondence digital ticket for present the bill for payment is waited to pay off；
If the block chain detects digital ticket in overdue state, the state of correspondence digital ticket is changed for collection exceedes
Phase；
If current bearer receives the digital cash of denomination, the state of the block chain modification correspondence digital ticket is
Bill is settled.
10. digital ticket method of commerce according to claim 9, it is characterised in that also include：
The block chain carries out digital ticket circulation clearing operation synchronous with fund using DVP.
A kind of 11. digital ticket transaction systems based on block chain and digital cash, it is characterised in that including：
Receiver module, the digital ticket for receiving input for block chain is concluded the business and is applied；Wherein, the digital ticket transaction application bag
Include ticket registration application, presentation for acceptance application, the application of prompting receipts ticket, negotiability application, discount application, interbank discount application；
Performing module, the corresponding operation of the digital ticket transaction application is performed for the block chain.
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| CN201710134815.2A CN106920169A (en) | 2017-03-07 | 2017-03-07 | A kind of digital ticket method of commerce and system based on block chain and digital cash |
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| CN201710134815.2A CN106920169A (en) | 2017-03-07 | 2017-03-07 | A kind of digital ticket method of commerce and system based on block chain and digital cash |
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