CN117436862B - Transaction method, system and device adapting to two-three accounts and digital RMB - Google Patents
Transaction method, system and device adapting to two-three accounts and digital RMB Download PDFInfo
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- 238000004806 packaging method and process Methods 0.000 claims description 24
- 238000012795 verification Methods 0.000 claims description 18
- 238000003032 molecular docking Methods 0.000 claims description 6
- 230000009286 beneficial effect Effects 0.000 description 6
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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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 transaction method, a system and a device for adapting to two and three types of accounts and digital RMB, belonging to the field of Internet finance. The system is a transaction system based on the method, the transaction method can be realized, and the invention provides a transaction device provided with the system, so that two and three types of accounts and digital RMB transactions are adapted under the condition of shielding payment account information through an interface layer with a unified API interface, a first subsystem and a second subsystem. The invention solves the problem that the current two-three card accounts and the digital RMB cannot finish payment in the same transaction system.
Description
Technical Field
The invention belongs to the field of internet finance, and particularly relates to a transaction method, a system and a device adapting to two or three types of accounts and digital RMB.
Background
The digital RMB, the letter abbreviation is temporarily designated as "e-CNY" according to international use convention, is legal currency in digital form issued by China's people bank, is participated in operation by a designated operation mechanism and exchanged to the public, supports loose coupling function of bank account based on generalized account system, is equivalent to paper money coin, has value characteristics and decompensation, and supports controllable anonymity.
At present, the field of bank cards in China mainly comprises debit cards, credit cards, two-three card accounts and digital RMB being pushed, but the two-three card accounts and the digital RMB lack uniform interface standards, and payment cannot be completed in the same transaction system. If only two or three kinds of households or digital RMB of different banks are simply accessed by adopting the traditional method, each bank needs to be respectively and independently docked, so that the time and the cost are high and the bank can not be reused.
Disclosure of Invention
Aiming at the defects in the prior art, the transaction method, the system and the device for adapting the two-three types of accounts and the digital RMB, provided by the invention, realize the same-platform transaction of the two-three types of bank cards and the digital RMB under the condition that the interface layer shields the account types and solve the problem that the current two-three types of card accounts and the digital RMB cannot finish payment in the same transaction system by the interface layer with a unified API interface and the arrangement of the first subsystem and the second subsystem.
In order to achieve the aim of the invention, the invention adopts the following technical scheme:
on one hand, the transaction method adapting to two-three types of accounts and digital RMB provided by the invention comprises the following steps of:
s1, a first terminal selects digital RMB or two-three bank cards as payment account types, and initiates a payment request comprising the payment account types, payment account information and transaction information input to a second terminal;
s2, the second terminal receives the payment request, encapsulates the payment request into a transaction request with a unified format, and sends the transaction request to an interface layer through an API (application program interface);
s3, the interface layer receives the transaction request and forwards the transaction request to the first subsystem or the second subsystem according to the payment account type, if the transaction request is forwarded to the first subsystem, the S4 is entered, and if the transaction request is forwarded to the second subsystem, the S5 is entered;
s4, receiving a transaction request aiming at the first subsystem, forwarding the transaction request route to a bank background system for account verification, transaction processing and account balance deduction to obtain a first transaction result fed back by the bank background system, packaging the first transaction result into a first uniform format transaction result, and forwarding the first transaction result to an interface layer through an API interface route;
s5, receiving a transaction request aiming at a second subsystem, forwarding the transaction request to a central digital currency transaction platform for account verification, transaction processing and account balance deduction by a route, obtaining a second transaction result fed back by the central digital currency transaction platform, packaging the second transaction result into a second uniform format transaction result, and forwarding the second transaction result to an interface layer by an API (application program interface) route;
s6, after receiving the first unified format transaction result or the second unified format transaction result, the interface layer packages the first unified format transaction result or the second unified format transaction result into a third unified format transaction result and sends the third unified format transaction result to the first terminal and the second terminal through the API interface;
s7, the first terminal and the second terminal receive the transaction result in the third unified format, display the transaction result in the third unified format and finish the transaction flow.
The beneficial effects of the invention are as follows: according to the transaction method for adapting to the two-three types of accounts and the digital RMB, the interface layer is established, so that simultaneous support of the two-three types of accounts and the digital RMB accounts is realized, and the same transaction is supported to be carried out by using two-three types of bank cards and two different payment accounts of the digital RMB; the invention provides the interface layer with the unified API interface, so that the first terminal and the second terminal do not need to sense specific payment account types and execute the different corresponding specific payment account types, thereby realizing the shielding of the difference of the user side about the two-three type subsystem and the digital RMB subsystem and enabling the access party to finish the payment among different account types through the unified interface.
Further, the first terminal is a personal user terminal; the second terminal is a merchant user terminal; the first subsystem is a two-three type subsystem; the second subsystem is a digital RMB subsystem;
the personal user side, the merchant user side, the two-three type subsystem and the digital RMB subsystem are all connected with the interface layer through a unified API interface.
Further, after receiving the transaction request through the API interface, the interface layer shields the payment account information and transaction information input of the personal user side, and forwards the transaction request to the two-three type subsystem or the digital RMB subsystem according to the payment account type.
Further, the two-three type of the subsystem is used for processing two-three type of bank card transactions, packaging the obtained first transaction result into a first unified format transaction result, and forwarding the first unified format transaction result to the interface layer through an API interface route;
the method for processing the two-three bank card transactions by the two-three type of clip systems comprises the following steps:
docking the two and three types of clip systems with a plurality of bank background systems;
directly verifying the payment account information through each bank background system, and selecting the bank background system passing the verification as a target transaction bank background system;
and carrying out balance deduction on an account corresponding to the payment account information according to the transaction information input by the target transaction bank background system to obtain a first transaction result.
Further, the digital RMB subsystem is used for processing the digital RMB transaction, packaging the obtained second transaction result into a second uniform format transaction result, and forwarding the second uniform format transaction result to the interface layer through the API interface route;
the method for processing the digital RMB transaction by the digital RMB subsystem comprises the following steps:
docking the digital RMB subsystem with a central digital currency transaction platform;
and verifying the payment account information directly through the central digital currency transaction platform, and after the payment account information passes the verification, deducting the balance of the account corresponding to the payment account information according to the transaction information input through the central digital currency transaction platform to obtain a second transaction result.
On the other hand, the invention also provides a transaction system based on a transaction method adapting to two or three types of accounts and digital RMB, which comprises the following steps:
the user terminal subsystem is used for providing a first terminal and a second terminal, packaging a payment request comprising payment account type, payment account information and transaction information input into a transaction request in a unified format, sending the transaction request to an interface layer through an API interface, and displaying a transaction result in a third unified format;
the unified access subsystem is used for providing an interface layer with a unified API interface, receiving a transaction request to the interface layer through the API interface, forwarding the transaction request to the first subsystem or the second subsystem from the corresponding route of the interface layer according to the payment account type, and packaging the first unified format transaction result or the second unified format transaction result into a third unified format transaction result after receiving the first unified format transaction result or the second unified format transaction result through the interface layer, and sending the third unified format transaction result to the first terminal and the second terminal through the API interface;
the first subsystem is used for receiving the transaction request, forwarding the transaction request route to the bank background system for account verification, transaction processing and account balance deduction, obtaining a first transaction result fed back by the bank background system, packaging the first transaction result into a transaction result in a first uniform format, and forwarding the transaction result to the interface layer through the API interface route;
the second subsystem is used for receiving the transaction request, forwarding the transaction request route to the central digital currency transaction platform for account verification, transaction processing and account balance deduction, obtaining a second transaction result fed back by the central digital currency transaction platform, packaging the second transaction result into a second uniform format transaction result, and forwarding the second transaction result to the interface layer through the API interface route.
The beneficial effects of the invention are as follows: the system is correspondingly arranged for the transaction method of the two-three types of accounts and the digital RMB, is used for realizing the transaction method of the two-three types of accounts and the digital RMB, has the same beneficial effects as the method, reduces the development cost of an application end, realizes the shielding of account types through an interface layer, supports multi-account payment based on the unified API standard, and does not need to develop the application end with respect to the two-three types of card systems and the digital RMB system respectively; the invention has strong expansibility, is based on a unified API interface, is convenient for third-party merchants, APP developers and the like to access the system, rapidly provides a solution for cross-account payment, is beneficial to popularization, meets the supervision requirement, and is beneficial to supervision and management of a cross-account transaction system by a supervision department because the system shields the difference between subsystems through standardization and supervision of the interface.
Further, the transaction request is respectively stored in a first local database corresponding to the first subsystem or a second local database corresponding to the second subsystem, and a bank background system or a central digital currency transaction platform, wherein if any transaction request is stored in the first local database corresponding to the first subsystem, the transaction request is also stored in the bank background system, and if any transaction request is stored in the second local database corresponding to the second subsystem, the transaction request is also stored in the central digital currency transaction platform; the first transaction results are respectively stored in a first local database corresponding to the bank background system and the first subsystem; and the second transaction results are respectively stored in a second local database corresponding to the central digital currency transaction platform and the second subsystem.
The beneficial effects of adopting the further scheme are as follows: after the transaction is completed, transaction records formed by related transaction requests, first transaction results and second transaction results are correspondingly recorded in a bank background system, a central digital currency transaction platform, a first local database and a second local database, so that subsequent inquiry and management are facilitated.
On the other hand, the invention also provides a transaction device adapting to the two-three types of accounts and the digital RMB, wherein the transaction device adapting to the two-three types of accounts and the digital RMB is deployed with a transaction system based on a transaction method adapting to the two-three types of accounts and the digital RMB, and is used for adapting to the two-three types of accounts and the digital RMB to transaction under the condition of shielding payment account information through an interface layer with a unified API interface, a first subsystem and a second subsystem.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the embodiments will be briefly described below, it being understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and other related drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart showing the steps of a transaction method for adapting two or three types of accounts and digital RMB according to embodiment 1 of the invention.
FIG. 2 is a schematic block diagram of a transaction system based on a transaction method for adapting two or three types of accounts and digital RMB according to embodiment 2 of the invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. The components of the embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the invention, as presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be made by a person skilled in the art without making any inventive effort, are intended to be within the scope of the present invention.
Example 1:
as shown in fig. 1, in one embodiment of the present invention, the present invention provides a transaction method for adapting two or three types of accounts and digital rmbs, including the steps of:
s1, a first terminal selects digital RMB or two-three bank cards as payment account types, and initiates a payment request comprising the payment account types, payment account information and transaction information input to a second terminal; in this embodiment, the first terminal is a personal user terminal; the second terminal is a merchant user terminal;
s2, the second terminal receives the payment request, encapsulates the payment request into a transaction request with a unified format, and sends the transaction request to an interface layer through an API (application program interface);
s3, the interface layer receives the transaction request and forwards the transaction request to the first subsystem or the second subsystem according to the payment account type, if the transaction request is forwarded to the first subsystem, the S4 is entered, and if the transaction request is forwarded to the second subsystem, the S5 is entered;
in this embodiment, the first subsystem is two or three types of subsystem; the second subsystem is a digital RMB subsystem; and after receiving the transaction request through the API interface, the interface layer shields the payment account information and transaction information input of the personal user terminal, and forwards the transaction request to the two-three type subsystem or the digital RMB subsystem according to the corresponding route only according to the payment account type.
S4, receiving a transaction request aiming at the first subsystem, forwarding the transaction request route to a bank background system for account verification, transaction processing and account balance deduction to obtain a first transaction result fed back by the bank background system, packaging the first transaction result into a first uniform format transaction result, and forwarding the first transaction result to an interface layer through an API interface route;
the second and third type of the subsystem is used for processing the second and third type of bank card transaction, packaging the obtained first transaction result into a first unified format transaction result, and forwarding the first unified format transaction result to the interface layer through the API interface route;
the method for processing the two-three bank card transactions by the two-three type of clip systems comprises the following steps:
docking the two and three types of clip systems with a plurality of bank background systems;
directly verifying the payment account information through each bank background system, and selecting the bank background system passing the verification as a target transaction bank background system;
and carrying out balance deduction on an account corresponding to the payment account information according to the transaction information input by the target transaction bank background system to obtain a first transaction result.
S5, receiving a transaction request aiming at a second subsystem, forwarding the transaction request to a central digital currency transaction platform for account verification, transaction processing and account balance deduction by a route, obtaining a second transaction result fed back by the central digital currency transaction platform, packaging the second transaction result into a second uniform format transaction result, and forwarding the second transaction result to an interface layer by an API (application program interface) route;
the digital RMB subsystem is used for processing digital RMB transaction, packaging the obtained second transaction result into a second uniform format transaction result, and forwarding the second uniform format transaction result to the interface layer through the API interface route;
the method for processing the digital RMB transaction by the digital RMB subsystem comprises the following steps:
docking the digital RMB subsystem with a central digital currency transaction platform;
and verifying the payment account information directly through the central digital currency transaction platform, and after the payment account information passes the verification, deducting the balance of the account corresponding to the payment account information according to the transaction information input through the central digital currency transaction platform to obtain a second transaction result.
S6, after receiving the first unified format transaction result or the second unified format transaction result, the interface layer packages the first unified format transaction result or the second unified format transaction result into a third unified format transaction result and sends the third unified format transaction result to the first terminal and the second terminal through the API interface;
in this embodiment, the personal user side, the merchant user side, the two-three subsystem and the digital rmb subsystem are all connected with the interface layer through a unified API interface.
S7, the first terminal and the second terminal receive the transaction result in the third unified format, display the transaction result in the third unified format and finish the transaction flow.
The invention ensures that the upper access application does not need to be respectively in butt joint with each bank through the interface layer arrangement with the same API interface, only needs to access a unified payment fund channel, only needs to modify and iterate the interface layer in the places related to fund access later, is not related to the internal adjustment of the systems such as upgrading and repairing of each bank system or digital currency system, namely, the personal user side and the merchant user side do not need to be changed due to the existence of the unified API, and the interior of the interface layer can be flexibly adjusted according to the change of the first subsystem or the second subsystem.
Example 2:
as shown in fig. 2, in another aspect, the present invention further provides a transaction system based on a transaction method for adapting two-three types of accounts and digital rmbs, based on the transaction method for adapting two-three types of accounts and digital rmbs provided in embodiment 1, including:
the user terminal subsystem is used for providing a first terminal and a second terminal, packaging a payment request comprising payment account type, payment account information and transaction information input into a transaction request in a unified format, sending the transaction request to an interface layer through an API interface, and displaying a transaction result in a third unified format;
the unified access subsystem is used for providing an interface layer with a unified API interface, receiving a transaction request to the interface layer through the API interface, forwarding the transaction request to the first subsystem or the second subsystem from the corresponding route of the interface layer according to the payment account type, and packaging the first unified format transaction result or the second unified format transaction result into a third unified format transaction result after receiving the first unified format transaction result or the second unified format transaction result through the interface layer, and sending the third unified format transaction result to the first terminal and the second terminal through the API interface;
the first subsystem is used for receiving the transaction request, forwarding the transaction request route to the bank background system for account verification, transaction processing and account balance deduction, obtaining a first transaction result fed back by the bank background system, packaging the first transaction result into a transaction result in a first uniform format, and forwarding the transaction result to the interface layer through the API interface route;
the second subsystem is used for receiving the transaction request, forwarding the transaction request route to the central digital currency transaction platform for account verification, transaction processing and account balance deduction, obtaining a second transaction result fed back by the central digital currency transaction platform, packaging the second transaction result into a second uniform format transaction result, and forwarding the second transaction result to the interface layer through the API interface route.
The transaction request is respectively stored in a first local database corresponding to the first subsystem or a second local database corresponding to the second subsystem, and a bank background system or a central digital currency transaction platform, wherein if any transaction request is stored in the first local database corresponding to the first subsystem, the transaction request is also stored in the bank background system, and if any transaction request is stored in the second local database corresponding to the second subsystem, the transaction request is also stored in the central digital currency transaction platform; the first transaction results are respectively stored in a first local database corresponding to the bank background system and the first subsystem; and the second transaction results are respectively stored in a second local database corresponding to the central digital currency transaction platform and the second subsystem.
Example 3:
on the basis of the embodiment 2, the invention also provides a transaction device for adapting the two-three types of accounts and the digital RMB, wherein the transaction device for adapting the two-three types of accounts and the digital RMB is deployed with a transaction system based on a transaction method for adapting the two-three types of accounts and the digital RMB, and is used for adapting the transactions of the two-three types of accounts and the digital RMB under the condition of shielding payment account information through an interface layer with a unified API interface, a first subsystem and a second subsystem.
The foregoing is merely illustrative of the present invention, and the present invention is not limited thereto, and any person skilled in the art will readily recognize that variations or substitutions are within the scope of the present invention.
Claims (4)
1. A transaction method adapting to two and three types of accounts and digital RMB is characterized by comprising the following steps:
s1, a first terminal selects digital RMB or two-three bank cards as payment account types, and initiates a payment request comprising the payment account types, payment account information and transaction information input to a second terminal;
s2, the second terminal receives the payment request, encapsulates the payment request into a transaction request with a unified format, and sends the transaction request to an interface layer through an API (application program interface);
s3, the interface layer receives the transaction request and forwards the transaction request to the first subsystem or the second subsystem according to the payment account type, if the transaction request is forwarded to the first subsystem, the S4 is entered, and if the transaction request is forwarded to the second subsystem, the S5 is entered;
s4, receiving a transaction request aiming at the first subsystem, forwarding the transaction request route to a bank background system for account verification, transaction processing and account balance deduction to obtain a first transaction result fed back by the bank background system, packaging the first transaction result into a first uniform format transaction result, and forwarding the first transaction result to an interface layer through an API interface route;
s5, receiving a transaction request aiming at a second subsystem, forwarding the transaction request to a central digital currency transaction platform for account verification, transaction processing and account balance deduction by a route, obtaining a second transaction result fed back by the central digital currency transaction platform, packaging the second transaction result into a second uniform format transaction result, and forwarding the second transaction result to an interface layer by an API (application program interface) route;
s6, after receiving the first unified format transaction result or the second unified format transaction result, the interface layer packages the first unified format transaction result or the second unified format transaction result into a third unified format transaction result and sends the third unified format transaction result to the first terminal and the second terminal through the API interface;
s7, the first terminal and the second terminal receive the transaction result of the third unified format, display the transaction result of the third unified format and finish the transaction flow;
the first terminal is a personal user terminal; the second terminal is a merchant user terminal; the first subsystem is a two-three type subsystem; the second subsystem is a digital RMB subsystem;
the personal user side, the merchant user side, the two-three type of subsystem and the digital RMB subsystem are all connected with the interface layer through a unified API interface;
after receiving the transaction request through the API interface, the interface layer shields the payment account information and transaction information input of the personal user terminal, and forwards the transaction request to the two-three type subsystem or the digital RMB subsystem according to the corresponding route only according to the payment account type
The second and third type of the subsystem is used for processing the second and third type of bank card transaction, packaging the obtained first transaction result into a first unified format transaction result, and forwarding the first unified format transaction result to the interface layer through the API interface route;
the method for processing the two-three bank card transactions by the two-three type of clip systems comprises the following steps:
docking the two and three types of clip systems with a plurality of bank background systems;
directly verifying the payment account information through each bank background system, and selecting the bank background system passing the verification as a target transaction bank background system;
the balance deduction is carried out on the account corresponding to the payment account information according to the transaction information input through the target transaction bank background system, and a first transaction result is obtained;
the digital RMB subsystem is used for processing digital RMB transaction, packaging the obtained second transaction result into a second uniform format transaction result, and forwarding the second uniform format transaction result to the interface layer through the API interface route;
the method for processing the digital RMB transaction by the digital RMB subsystem comprises the following steps:
docking the digital RMB subsystem with a central digital currency transaction platform;
and verifying the payment account information directly through the central digital currency transaction platform, and after the payment account information passes the verification, deducting the balance of the account corresponding to the payment account information according to the transaction information input through the central digital currency transaction platform to obtain a second transaction result.
2. A transaction system based on the transaction method adapting two-three types of accounts and digital rmbs as claimed in claim 1, comprising:
the user terminal subsystem is used for providing a first terminal and a second terminal, packaging a payment request comprising payment account type, payment account information and transaction information input into a transaction request in a unified format, sending the transaction request to an interface layer through an API interface, and displaying a transaction result in a third unified format;
the unified access subsystem is used for providing an interface layer with a unified API interface, receiving a transaction request to the interface layer through the API interface, forwarding the transaction request to the first subsystem or the second subsystem from the corresponding route of the interface layer according to the payment account type, and packaging the first unified format transaction result or the second unified format transaction result into a third unified format transaction result after receiving the first unified format transaction result or the second unified format transaction result through the interface layer, and sending the third unified format transaction result to the first terminal and the second terminal through the API interface;
the first subsystem is used for receiving the transaction request, forwarding the transaction request route to the bank background system for account verification, transaction processing and account balance deduction, obtaining a first transaction result fed back by the bank background system, packaging the first transaction result into a transaction result in a first uniform format, and forwarding the transaction result to the interface layer through the API interface route;
the second subsystem is used for receiving the transaction request, forwarding the transaction request route to the central digital currency transaction platform for account verification, transaction processing and account balance deduction, obtaining a second transaction result fed back by the central digital currency transaction platform, packaging the second transaction result into a second uniform format transaction result, and forwarding the second transaction result to the interface layer through the API interface route.
3. The transaction system based on the transaction method adapting to the two-three types of accounts and the digital RMB according to claim 2, wherein the transaction request is respectively stored in a first local database corresponding to the first subsystem or a second local database corresponding to the second subsystem, and a bank background system or a central digital currency transaction platform, wherein if any transaction request is stored in the first local database corresponding to the first subsystem, the transaction request is also stored in the bank background system, and if any transaction request is stored in the second local database corresponding to the second subsystem, the transaction request is also stored in the central digital currency transaction platform; the first transaction results are respectively stored in a first local database corresponding to the bank background system and the first subsystem; and the second transaction results are respectively stored in a second local database corresponding to the central digital currency transaction platform and the second subsystem.
4. The transaction device adapting to the two-three types of accounts and the digital RMB is characterized in that the transaction device adapting to the two-three types of accounts and the digital RMB is provided with the transaction system based on the transaction method adapting to the two-three types of accounts and the digital RMB, which is described in any one of claims 2-3, and is used for adapting to the transaction of the two-three types of accounts and the digital RMB under the condition of shielding payment account information through an interface layer with a unified API interface, a first subsystem and a second subsystem.
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