CN109003179A - Inter-bank tune money based on digital cash synchronous settlement method, device and system - Google Patents
Inter-bank tune money based on digital cash synchronous settlement method, device and system Download PDFInfo
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- CN109003179A CN109003179A CN201810758333.9A CN201810758333A CN109003179A CN 109003179 A CN109003179 A CN 109003179A CN 201810758333 A CN201810758333 A CN 201810758333A CN 109003179 A CN109003179 A CN 109003179A
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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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
Abstract
This application discloses a kind of, and the inter-bank tune money based on digital cash synchronizes settlement method, device and system.This method, comprising: receive the conditional payoff operation and the terms of payment based on digital cash that withdrawal bank sends, conditional payoff operation is verified；Based on conditional payoff operation calls intelligence contract, freeze the digital cash of withdrawal bank paying Jiao Kuan bank to be given, runs the terms of payment of the digital cash to be verified such as intelligent contract；Confirm that currency is called in withdrawal bank by Jiao Kuan bank；Jiao Kuan bank is transferred to defrosting digital cash and by digital cash corresponding with currency.Circulation of this method based on serial number, it is low to solve settlement efficiency using digital cash as payment medium, the nonsynchronous problem of cash and digital cash in kind, withdrawal bank substitutes check only for account with digital cash and is paid, it can be realized and quasi real time settle accounts, to solve the problems, such as that current cash material object cannot synchronous clearing with check only for account.
Description
Technical field
This application involves finance and field of information processing, carry out inter-bank tune money using currency numberization more particularly to a kind of
Method, apparatus, system, equipment and medium and product, adopted in the People's Bank's inter-bank tune money business more particularly, to one kind
The method that synchronous clearing are realized in payment is carried out with currency numberization substitution check only for account.
Background technique
Business bank will appear remaining or shortage situation, therefore firm during managing commodity money position daily
Between there are the demands of mutual enchashment.By existing practice, commodity money transaction is not carried out between most of firms directly, needs to lead to
The People's Bank is crossed to adjust.During traditional inter-bank tune money business cash send money, it is required to when cash is called in bank pair
Calling in fund, sorting and typing serial number, the inter-bank tune money business based on the serial number system for the distribution of commodities realize material object again
Cash circulation is synchronous with the double fluid of serial number information.But capital settlement is completed in such a way that check only for account keeps accounts by hand,
That is, settlement fund stream is still independent, cash hands over money to separate with settlement by check process outside, hands over money and settlement process difference
Step, affects the efficiency of business processing.
Summary of the invention
Aiming to overcome that the above problem or at least being partially solved or extenuate for the application solves the above problems.
According to the one aspect of the application, a kind of inter-bank tune money synchronization settlement method is provided, comprising:
Conditional payoff operation demonstration step: the conditional payoff operation and branch based on digital cash that withdrawal bank sends are received
The condition of paying verifies conditional payoff operation；
Currency freezing step: it is based on the conditional payoff operation calls intelligence contract, freezes the withdrawal bank paying and waits for
The digital cash of the Jiao Kuan bank is given, the terms of payment of the digital cash to be verified such as the intelligent contract are run；
Condition Verification step: confirm that currency is called in the withdrawal bank by the Jiao Kuan bank；With
Digital cash transfer step: it thaws and the digital cash and shifts the digital cash corresponding with the currency
To the Jiao Kuan bank.
It is low to solve settlement efficiency using digital cash as payment medium for circulation of this method based on serial number, in kind
Cash and the nonsynchronous problem of digital cash, withdrawal bank substitute check only for account with digital cash and are paid, and can be realized standard
Real time settlement, to solve the problems, such as that current cash material object cannot synchronous clearing with check only for account.
Optionally, the condition Verification step includes:
Outbound information receiving step: it receives the Jiao Kuan bank and is based on conditional payoff operation transmission outbound information, institute
Stating outbound information includes: bale packing information and serial number file；
Storage information receiving step: the storage information that the withdrawal bank sends is received, the storage information includes: to receive
Currency bale packing information, and serial number file corresponding with the bale packing information is supplied to the withdrawal bank；
With
It calls in verification step: the outbound information being compared with the storage information, to determine currency from the friendship
The withdrawal bank is called in by money bank.
Optionally, the outbound information receiving step further include: be distributed the outbound information that the Jiao Kuan bank sends
It is registered in formula account book；The storage information receiving step further include: the storage information for sending the withdrawal bank is being divided
It is registered in cloth account book.
Optionally, the digital cash transfer step further include: the Jiao Kuan bank fail by with the digital cash
In the case that corresponding currency calls in the withdrawal bank, the digital cash is simultaneously transferred to the withdrawal by defrosting digital cash
Bank.
Optionally, carrying out verifying to conditional payoff operation in the conditional payoff operation demonstration step includes: to institute
The digital signature and payment amount for stating withdrawal bank are verified.
According to further aspect of the application, a kind of inter-bank tune money synchronization checkout apparatus is additionally provided, comprising:
Conditional payoff operation demonstration module is disposed for receiving the condition based on digital cash that withdrawal bank sends
Conditional payoff operation is verified in delivery operation；
Currency freezes module, is disposed for freezing described take based on the conditional payoff operation calls intelligence contract
Money bank paying waits giving the digital cash of the Jiao Kuan bank, runs the digital cash to be verified such as the intelligent contract
The terms of payment；
Condition Verification module is disposed for confirming that currency is called in the withdrawal bank by the Jiao Kuan bank；With
Digital cash shift module, be disposed for thawing the digital cash and will be corresponding with the currency described
Digital cash is transferred to the Jiao Kuan bank.
It is low to solve settlement efficiency using digital cash as payment medium for circulation of the device based on serial number, in kind
Cash and the nonsynchronous problem of digital cash.
Optionally, the condition Verification module includes:
Outbound information receiving module is disposed for receiving the Jiao Kuan bank based on conditional payoff operation transmission
Outbound information, the outbound information include: bale packing information and serial number file；
Storage information receiving module is disposed for receiving the storage information that the withdrawal bank sends, the storage
Information includes: the bale packing information of the currency received, and serial number file corresponding with the bale packing information is supplied to
The withdrawal bank；With
Confirmation module is called in, is disposed for for the outbound information being compared with the storage information, with determination
Currency calls in the withdrawal bank from the Jiao Kuan bank.
According to further aspect of the application, a kind of inter-bank tune money synchronization settlement system is additionally provided, including is connected with each other
Digital cash device and serial number managing device, in which:
Digital cash device is used to receive the conditional payoff operation based on digital cash of withdrawal bank transmission, to the item
Part delivery operation is verified；Based on the conditional payoff operation calls intelligence contract, freezes the withdrawal bank paying and wait handing over
To the digital cash of the Jiao Kuan bank, the terms of payment of the digital cash to be verified such as the intelligent contract are run；
Serial number managing device will confirm that knot for confirming that currency is called in the withdrawal bank by the Jiao Kuan bank
Fruit is sent to the digital cash device；And
Digital cash device is also used to based on the confirmation as a result, the digital cash and will be corresponding with the currency of thawing
The digital cash be transferred to the Jiao Kuan bank.
It is low to solve settlement efficiency using digital cash as payment medium for circulation of the system based on serial number, in kind
Cash and the nonsynchronous problem of digital cash.
According to further aspect of the application, a kind of calculating equipment is additionally provided, including memory, processor and be stored in
In the memory and the computer program that can be run by the processor, wherein the processor execution computer journey
Method as described above is realized when sequence.
According to further aspect of the application, a kind of computer readable storage medium is additionally provided, it is preferably non-volatile
Readable storage medium storing program for executing, is stored with computer program, and the computer program is realized as described above when executed by the processor
Method.
According to the accompanying drawings to the detailed description of the specific embodiment of the application, those skilled in the art will be more
Above-mentioned and other purposes, the advantages and features of the application are illustrated.
Detailed description of the invention
Some specific embodiments of the application are described in detail by way of example and not limitation with reference to the accompanying drawings hereinafter.
Identical appended drawing reference denotes same or similar part or part in attached drawing.It should be appreciated by those skilled in the art that these
What attached drawing was not necessarily drawn to scale.In attached drawing:
Fig. 1 is the schematic flow chart according to one embodiment of the synchronous settlement method of the inter-bank tune money of the application；
Fig. 2 is the schematic flow chart according to one embodiment of the condition Verification step of the present processes；
Fig. 3 is the schematic block diagram according to one embodiment of the synchronous checkout apparatus of the inter-bank tune money of the application；
Fig. 4 is the schematic flow chart according to one embodiment of the condition Verification module of the device of the application；
Fig. 5 is the schematic block diagram of one embodiment of the synchronous settlement system of inter-bank tune money of the application；
Fig. 6 is the block diagram of one embodiment of the calculating equipment of the application；
Fig. 7 is the block diagram of one embodiment of the computer readable storage medium of the application.
Specific embodiment
According to the accompanying drawings to the detailed description of the specific embodiment of the application, those skilled in the art will be more
Above-mentioned and other purposes, the advantages and features of the application are illustrated.
The embodiment of the application provides a kind of inter-bank tune money synchronization settlement method.Fig. 1 is according to the application
The schematic flow chart of one embodiment of the synchronous settlement method of inter-bank tune money.This method comprises:
S100 conditional payoff operation demonstration step: the conditional payoff operation based on digital cash that withdrawal bank sends is received
And the terms of payment, conditional payoff operation is verified；
S200 intelligence contract operating procedure: being based on the conditional payoff operation calls intelligence contract, freezes the withdrawal silver
Row pays the digital cash wait give the Jiao Kuan bank, runs the payment of the digital cash to be verified such as the intelligent contract
Condition；With
S300 condition Verification step: confirm that currency is called in the withdrawal bank by the Jiao Kuan bank；With
S400 digital cash transfer step: thaw the digital cash and will the digital cash corresponding with the currency
It is transferred to the Jiao Kuan bank.
It is low to solve settlement efficiency using digital cash as payment medium for circulation of this method based on serial number, in kind
Cash and the nonsynchronous problem of digital cash, withdrawal bank substitute check only for account with digital cash and are paid, and can be realized standard
Real time settlement, to solve the problems, such as that current cash material object cannot synchronous clearing with check only for account.
This method is applied to the People's Bank end, by the People's Bank to the inter-bank tune money industry of all withdrawal banks and Jiao Kuan bank
Business is managed collectively.
In S100 conditional payoff operation demonstration step, the currency number that withdrawal bank initiates is received first, also referred to as
The conditional payoff of digital cash operates, and verifies to conditional payoff operation.Optionally, the verifying includes: to described
The digital signature and payment amount of withdrawal bank are verified.
In S200 currency freezing step, it is based on the conditional payoff operation calls intelligence contract, passes through intelligent contract control
Payment transaction implementation procedure processed.The payment rule of intelligent contract can be set by withdrawal bank.Meanwhile by the account for the bank that withdraws the money
In digital cash corresponding with payment amount freezed, wait after receiving the cash currency of Jiao Kuan bank, just finally same stepping
The transfer of row digital cash.The mode of existing transaction with credit can be changed by this method, realize cash and digital cash in kind
It synchronizes and cashes, realize and hand over money synchronous with settlement process.
Fig. 2 is the schematic flow chart according to one embodiment of the condition Verification step of the present processes.Optionally,
The S300 condition Verification step includes:
S301 outbound information receiving step: it receives the Jiao Kuan bank and is based on conditional payoff operation transmission outbound letter
Breath, the outbound information includes: bale packing information and serial number file.Outbound confirmation message is stepped in distributed account book
Note carries out cash in kind later and send money.
S302 storage information receiving step: receiving the storage information that the withdrawal bank sends, and the storage information includes:
The bale packing information of the currency received, and serial number file corresponding with the bale packing information is supplied to the withdrawal silver
Row.
S303 calls in verification step: the outbound information being compared with the storage information, to determine currency from institute
The withdrawal bank is called in by Shu Jiao money bank.
For Jiao Kuan bank, in an optional embodiment, Jiao Kuan bank successfully initiates item in confirmation withdrawal bank
After part delivery operation, sorting is carried out to the cash held, crown word number file is associated with bale packing number, serial number file and bale packing
Number information uploads, and carries out the confirmation of outbound information, carries out cash in kind later and is sent to the People's Bank or withdrawal bank.It is optional
Ground, the S301 outbound information receiving step further include: the outbound information for sending the Jiao Kuan bank is in distributed account book
It is registered.
In another optional embodiment, Jiao Kuan bank is not necessarily to successfully initiate conditional payoff behaviour in confirmation withdrawal bank
After work, so that it may carry out sorting to the cash held, crown word number file is associated with bale packing number, by serial number file and bale packing
Number information uploads, and carries out the confirmation of outbound information, cash in kind is sent to the People's Bank later.Optionally, by the friendship money silver
The outbound information that row is sent is registered in distributed account book.
In above-mentioned two embodiment, after Jiao Kuan bank carries out outbound confirmation, account of the People's Bank in Jiao Kuan bank
Increase digital cash corresponding with outbound cash on family, it should be appreciated that increased number in the account of Jiao Kuan bank at this time
Currency is not the frozen digital cash of withdrawal bank.
For withdrawal bank, after withdrawal bank receives cash in kind, in-stockroom operation is completed, comprising: scanning cash bale packing
Number, according to the corresponding serial number file of cash bale packing number downloading.Optionally, the outbound information that the Jiao Kuan bank sends is existed
It is registered in distributed account book.
At this point, intelligent contract checking preset rules, verifying Jiao Kuan bank has confirmed that outbound, and withdrawal bank has confirmed that storage,
The terms of payment have met.
In S400 digital cash transfer step, in the case where the terms of payment have met, digital cash is carried out automatically
Transfer.Jiao Kuan bank synchronizes while withdrawal bank scans and collects money and receives digital cash.The default rule of intelligent contract checking
Then, verifying Jiao Kuan bank has confirmed that storage, automatic to carry out digital cash transfer.Jiao Kuan bank is same the scanning gathering of withdrawal bank
When, it synchronizes and receives digital cash.
Optionally, the S400 digital cash transfer step further include: the Jiao Kuan bank fail by with the number
In the case that the corresponding currency of currency calls in the withdrawal bank, the digital cash is simultaneously transferred to described by defrosting digital cash
Withdrawal bank.If Jiao Kuan bank send money because certain reason fails to normally complete commodity money, the payment transaction can be cancelled, it is right
Withdrawal bank respective digital currency thaws.
It is understood that the number of above-mentioned steps only plays the role of differentiation, the successive suitable of step execution is not limited
Sequence.
Another embodiment herein additionally provides a kind of inter-bank tune money synchronization checkout apparatus.Fig. 3 is according to this Shen
The schematic block diagram of one embodiment of the synchronous checkout apparatus of inter-bank tune money please.The device includes:
Conditional payoff operation demonstration module 100, is disposed for receiving that withdrawal bank sends based on digital cash
Conditional payoff operation and the terms of payment verify conditional payoff operation；
Currency freezes module 200, is disposed for freezing described based on the conditional payoff operation calls intelligence contract
Withdrawal bank paying waits giving the digital cash of the Jiao Kuan bank, runs the digital cash to be verified such as the intelligent contract
The terms of payment；
Condition Verification module 300 is disposed for confirming that currency is called in the withdrawal bank by the Jiao Kuan bank；
Digital cash shift module 400, be disposed for thawing the digital cash and will be corresponding with the currency
The digital cash is transferred to the Jiao Kuan bank.
It is low to solve settlement efficiency using digital cash as payment medium for circulation of the device based on serial number, in kind
Cash and the nonsynchronous problem of digital cash, withdrawal bank substitute check only for account with digital cash and are paid, and can be realized standard
Real time settlement, to solve the problems, such as that current cash material object cannot synchronous clearing with check only for account.
Optionally, the verifying in conditional payoff operation demonstration module includes: the digital signature to the withdrawal bank
It is verified with payment amount.
Fig. 4 is the schematic flow chart according to one embodiment of the condition Verification module of the device of the application.The item
Part authentication module 300 includes: outbound information receiving module 301, storage information receiving module 302 and calls in confirmation module 303,
In, outbound information receiving module 301 and storage information receiving module 302 respectively with call in confirmation module 303 and connect.
Outbound information receiving module 301 is disposed for receiving the Jiao Kuan bank based on conditional payoff operation
Outbound information is sent, the outbound information includes: bale packing information and serial number file.
Storage information receiving module 302, is disposed for receiving the storage information that the withdrawal bank sends, it is described enter
Library information includes: the bale packing information of the currency received, and serial number file corresponding with the bale packing information is provided
To the withdrawal bank.
Confirmation module 303 is called in, is disposed for for the outbound information being compared with the storage information, with true
Order coin calls in the withdrawal bank from the Jiao Kuan bank.
In digital cash shift module 400, in the case where the terms of payment have met, automatic progress digital cash
Transfer.Jiao Kuan bank synchronizes while withdrawal bank scans and collects money and receives digital cash.
Optionally, the digital cash shift module 400 is also used to: the Jiao Kuan bank fail by with the digital goods
In the case that the corresponding currency of coin calls in the withdrawal bank, the digital cash is simultaneously transferred to described take by defrosting digital cash
Money bank.
Another embodiment herein additionally provides a kind of inter-bank tune money synchronization settlement system.Fig. 5 is the application
The schematic block diagram of one embodiment of the synchronous settlement system of inter-bank tune money.The system includes digital cash device interconnected
With serial number managing device.Wherein, digital cash device is used to receive the condition based on digital cash of withdrawal bank transmission
Conditional payoff operation is verified in delivery operation；Based on the conditional payoff operation calls intelligence contract, freeze described
Withdrawal bank paying waits giving the digital cash of the Jiao Kuan bank, runs the digital cash to be verified such as the intelligent contract
The terms of payment.Serial number managing device, and will be true for confirming that currency is called in the withdrawal bank by the Jiao Kuan bank
Recognize result and is sent to the digital cash device.Digital cash device is also used to based on the confirmation as a result, the number of thawing
The digital cash corresponding with the currency is simultaneously transferred to the Jiao Kuan bank by currency.
It is low to solve settlement efficiency using digital cash as payment medium for circulation of the system based on serial number, in kind
Cash and the nonsynchronous problem of digital cash, withdrawal bank substitute check only for account with digital cash and are paid, and can be realized standard
Real time settlement, to solve the problems, such as that current cash material object cannot synchronous clearing with check only for account.
In an optional embodiment, digital cash device includes sequentially connected conditional payoff operation demonstration mould
Block, intelligent contract operation module and digital cash shift module.Wherein, conditional payoff operation demonstration module, is disposed for
The conditional payoff operation based on digital cash that withdrawal bank sends is received, conditional payoff operation is verified；Intelligence
Contract runs module, is disposed for freezing withdrawal bank branch based on the conditional payoff operation calls intelligence contract
The digital cash wait give the Jiao Kuan bank is paid, the payment item of the digital cash to be verified such as the intelligent contract is run
Part；Digital cash shift module, be disposed for thawing the digital cash and will the number corresponding with the currency
Currency is transferred to the Jiao Kuan bank
Serial number managing device includes condition Verification module, and condition Verification module is connected to intelligent contract operation module
Letter, which is disposed for confirming that currency is called in the withdrawal bank by the Jiao Kuan bank, and will confirm that knot
Fruit is sent to the intelligent contract operation module, so that intelligent contract operation module is based on confirmation result starting digital cash transfer
Module.
Optionally, the condition Verification module includes: outbound information receiving module, storage information receiving module and calls in really
Recognize module, wherein outbound information receiving module, storage information receiving module and call in confirmation module respectively with call in confirmation module
Connection.Outbound information receiving module, is disposed for receiving the Jiao Kuan bank and is based on conditional payoff operation and send out
Library information, the outbound information include: bale packing information and serial number file.Storage information receiving module is configured to use
In the storage information for receiving the withdrawal bank transmission, the storage information includes: the bale packing information of the currency received, and
Serial number file corresponding with the bale packing information is supplied to the withdrawal bank.Confirmation module is called in, is configured to use
In the outbound information to be compared with the storage information, to determine that currency calls in the withdrawal silver from the Jiao Kuan bank
Row.
Within the system, intelligent contract monitoring Internet of Things net operation and the synchronous settlement system of automated execution inter-bank tune money are customized
Operation, using technology of Internet of things scan tracing material object cash circulation process.The system can monitor object using intelligent contract
It operates, is executed on automatic trigger intelligence contract curve, to realize digital cash O2O (Online To Offline) under networking line
Trade mode.
In inter-bank tune money business, withdrawal bank can modify the payment rule of digital cash intelligence contract, be taken by monitoring
The scan operation of money bank, it is synchronous to carry out digital cash transfer.Such as: the every run-down of withdrawal bank, digital cash intelligently close
About also in synchronous recording information, reach Consideration until scanning the amount of money, it is automatic to carry out digital cash transfer.In this way, can be with
An original payment transaction is splitted into more, certain amount of money is arrived in scanning every time, with regard to carrying out a digital cash transfer.Even may be used also
It to realize, often sweeps once, just transfer one, realizes and sweep how many, turn how many scene clearing.
Withdrawal bank and Jiao Kuan bank need to reach an agreement to the terms of payment, and be set as intelligent contract rule, in addition both sides
Signature, which can be executed by the system programization.Withdrawal bank initiates digital cash conditional payoff operation, specifies payment item
The corresponding intelligent contract of part.Jiao Kuan bank is synchronous to carry out business operation, for example, deliver currency, service is provided etc..Digital cash system
System is automatic to execute intelligent contract, checks the terms of payment by the electronic certificate that transaction participant provides, completes to pay the bill if meeting.
Multi-signature technology be can use in realization to be verified.
Embodiments herein additionally provides a kind of calculating equipment, referring to Fig. 6, the calculating equipment include memory 1120,
Processor 1110 and it is stored in the computer program that can be run in the memory 1120 and by the processor 1110, the calculating
Machine program is stored in the space 1130 for program code in memory 1120, which holds by processor 1110
It is realized when row for executing any one steps of a method in accordance with the invention 1131.
Embodiments herein additionally provides a kind of computer readable storage medium.Referring to Fig. 7, the computer-readable storage
Medium includes the storage unit for program code, which is provided with for executing steps of a method in accordance with the invention
Program 1131 ', the program are executed by processor.
Embodiments further provide a kind of computer program products comprising instruction, including computer-readable generation by the application
Code causes the calculating equipment to execute method as described above when the computer-readable code is executed by calculating equipment.
In the above-described embodiments, can come wholly or partly by software, hardware, firmware or any combination thereof real
It is existing.When implemented in software, it can entirely or partly realize in the form of a computer program product.The computer program
Product includes one or more computer instructions.When computer loads and executes the computer program instructions, whole or portion
Ground is divided to generate according to process or function described in the embodiment of the present application.The computer can be general purpose computer, dedicated computing
Machine, computer network obtain other programmable devices.The computer instruction can store in computer readable storage medium
In, or from a computer readable storage medium to the transmission of another computer readable storage medium, for example, the computer
Instruction can pass through wired (such as coaxial cable, optical fiber, number from a web-site, computer, server or data center
User's line (DSL)) or wireless (such as infrared, wireless, microwave etc.) mode to another web-site, computer, server or
Data center is transmitted.The computer readable storage medium can be any usable medium that computer can access or
It is comprising data storage devices such as one or more usable mediums integrated server, data centers.The usable medium can be with
It is magnetic medium, (for example, floppy disk, hard disk, tape), optical medium (for example, DVD) or semiconductor medium (such as solid state hard disk
Solid State Disk (SSD)) etc..
Professional should further appreciate that, described in conjunction with the examples disclosed in the embodiments of the present disclosure
Unit and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, hard in order to clearly demonstrate
The interchangeability of part and software generally describes each exemplary composition and step according to function in the above description.
These functions are implemented in hardware or software actually, the specific application and design constraint depending on technical solution.
Professional technician can use different methods to achieve the described function each specific application, but this realization
It is not considered that exceeding scope of the present application.
Those of ordinary skill in the art will appreciate that implement the method for the above embodiments be can be with
By program come instruction processing unit completion, the program be can store in computer readable storage medium, and the storage is situated between
Matter is non-transitory (English: non-transitory) medium, such as random access memory, read-only memory, flash
Device, hard disk, solid state hard disk, tape (English: magnetic tape), floppy disk (English: floppy disk), CD (English:
Optical disc) and any combination thereof.
The preferable specific embodiment of the above, only the application, but the protection scope of the application is not limited thereto,
Within the technical scope of the present application, any changes or substitutions that can be easily thought of by anyone skilled in the art,
Should all it cover within the scope of protection of this application.Therefore, the protection scope of the application should be with scope of protection of the claims
Subject to.
Claims (10)
1. a kind of synchronous settlement method of inter-bank tune money, comprising:
Conditional payoff operation demonstration step: it receives the conditional payoff based on digital cash that withdrawal bank sends and operates and pay item
Part verifies conditional payoff operation；
Currency freezing step: it is based on the conditional payoff operation calls intelligence contract, freezes the withdrawal bank paying and waits giving
The digital cash of the Jiao Kuan bank runs the terms of payment of the digital cash to be verified such as the intelligent contract；
Condition Verification step: confirm that currency is called in the withdrawal bank by the Jiao Kuan bank；With
Digital cash transfer step: thawing the digital cash and is transferred to institute for the digital cash corresponding with the currency
Shu Jiao money bank.
2. the method according to claim 1, wherein the condition Verification step includes:
Outbound information receiving step: receive the Jiao Kuan bank be based on the conditional payoff operation send outbound information, it is described go out
Library information includes: bale packing information and serial number file；
Storage information receiving step: the storage information that the withdrawal bank sends is received, the storage information includes: the goods received
The bale packing information of coin, and serial number file corresponding with the bale packing information is supplied to the withdrawal bank；With
It calls in verification step: the outbound information is compared with the storage information, to determine currency from the friendship money silver
Row calls in the withdrawal bank.
3. according to the method described in claim 2, it is characterized in that, the outbound information receiving step further include: by the friendship
The outbound information that money bank sends is registered in distributed account book；The storage information receiving step further include: will be described
The storage information that withdrawal bank sends is registered in distributed account book.
4. the method according to claim 1, wherein the digital cash transfer step further include: in the friendship
Money bank fails in the case that currency corresponding with the digital cash is called in the withdrawal bank, and defrosting digital cash simultaneously will
The digital cash is transferred to the withdrawal bank.
5. method according to claim 1 to 4, which is characterized in that the conditional payoff operation demonstration step
In to the conditional payoff operation carry out verifying include: to be verified to the digital signature and payment amount of the withdrawal bank.
6. a kind of synchronous checkout apparatus of inter-bank tune money, comprising:
Conditional payoff operation demonstration module is disposed for receiving the conditional payoff based on digital cash that withdrawal bank sends
Operation and the terms of payment verify conditional payoff operation；
Currency freezes module, is disposed for freezing the withdrawal silver based on the conditional payoff operation calls intelligence contract
Row pays the digital cash wait give the Jiao Kuan bank, runs the payment of the digital cash to be verified such as the intelligent contract
Condition；
Condition Verification module is disposed for confirming that currency is called in the withdrawal bank by the Jiao Kuan bank；With
Digital cash shift module, be disposed for thawing the digital cash and will the number corresponding with the currency
Currency is transferred to the Jiao Kuan bank.
7. device according to claim 6, which is characterized in that the condition Verification module includes:
Outbound information receiving module is disposed for receiving the Jiao Kuan bank based on conditional payoff operation transmission outbound
Information, the outbound information include: bale packing information and serial number file；
Storage information receiving module is disposed for receiving the storage information that the withdrawal bank sends, the storage information
Include: the bale packing information of the currency received, and will serial number file corresponding with the bale packing information be supplied to it is described
Withdrawal bank；With
Confirmation module is called in, is disposed for for the outbound information being compared with the storage information, to determine currency
The withdrawal bank is called in from the Jiao Kuan bank.
8. a kind of synchronous settlement system of inter-bank tune money, including digital cash device interconnected and serial number managing device,
Wherein:
Digital cash device is used to receive the conditional payoff operation based on digital cash of withdrawal bank transmission, to the condition branch
Operation is paid to be verified；Based on the conditional payoff operation calls intelligence contract, freeze withdrawal bank paying institute to be given
The digital cash of Shu Jiao money bank runs the terms of payment of the digital cash to be verified such as the intelligent contract；
Serial number managing device will confirm that result is sent out for confirming that currency is called in the withdrawal bank by the Jiao Kuan bank
Give the digital cash device；And
Digital cash device is also used to based on the confirmation as a result, the digital cash and will institute corresponding with the currency of thawing
It states digital cash and is transferred to the Jiao Kuan bank.
9. a kind of calculating equipment, including memory, processor and storage can be run in the memory and by the processor
Computer program, wherein the processor is realized when executing the computer program such as any one of claims 1 to 5 institute
The method stated.
10. a kind of computer readable storage medium, preferably non-volatile readable storage medium, are stored with computer journey
Sequence, the computer program realize the method as described in any one of claims 1 to 5 when executed by the processor.
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| CN112132558A (en) * | 2020-08-16 | 2020-12-25 | 中信银行股份有限公司 | Digital currency transaction method and device based on intelligent contract and electronic equipment |
| CN112132559A (en) * | 2020-08-16 | 2020-12-25 | 中信银行股份有限公司 | Digital currency transaction method and device, electronic equipment and readable storage medium |
| CN112488798A (en) * | 2020-12-14 | 2021-03-12 | 中钞信用卡产业发展有限公司杭州区块链技术研究院 | House renting method, system and medium based on block chain |
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