CN107330782A - The method and system and device for transaction of raising funds are realized based on digital cash - Google Patents
The method and system and device for transaction of raising funds are realized based on digital cash Download PDFInfo
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Abstract
The present invention provides a kind of mthods, systems and devices that transaction of raising funds is realized based on digital cash, can avoid depositing pipe account sink money, prevent fund raising fund from being diverted or changed purposes, make Monetary paths transparent controllable, enhance the supervision to fund.This method includes:Investor's purse application device sends described pay to investor bank wallet according to the intelligent contract of transaction and asked;Wherein, the payment request includes:The amount of money of payout figure currency, raiser bank wallet mark, the intelligent contract application of coalition signature and license intelligent contract application;Investor bank wallet sends described pay after the payment request is received, to digital coin systems and asked;The digital coin systems are accepted after the payment request, asked according to described pay, original digital cash of investor is cancelled, regenerated the digital cash with coalition signature mark, then send the digital cash to raiser bank wallet.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of method that transaction of raising funds is realized based on digital cash,
System and device.
Background technology
With the development of Internet technology and financial circles, information service is provided for direct financial transaction legal between individual
Intermediary company develop by internet platform swift and violent, such as P2P network loans (the point-to-point debt-credit of internet finance), network crowd raise
Deng;Wherein, platform both parties are investor and raiser, and investor and raiser bring meaning of concluding the transaction together by platform information
To, and network contract is signed, arrange the rights and obligations of both parties.By taking network loan as an example, platform is as information intermediary, to hand over
Easy both sides provide information search, information announcement, credit evaluation, information exchange, debt-credit and the service such as bring together.Raiser is used as borrower
Issue loaning bill target information fund-raising, can now there are multiple investors to submit a tender.During submitting a tender, because being likely to occur recruitment
The situation of failure, what investor's fund can first transfer that platform sets up deposits pipe account.Terminate until raising, if raised successfully,
Fund is transferred to raiser's account from pipe account is deposited.
Platform can set up it is one big deposit pipe account, existing fund deposits guard system and carries out system and receive system paying by depositing pipe account,
Investor and raiser are affiliated to virtual account in the case where depositing pipe account simultaneously, record the balance of funding in pipe account is deposited.Investor
The allocation of the funds between raiser's bank account is completed by depositing pipe account.Bid money is transferred to after raiser's account, is raised
Money people possesses fund entirely autonomous ownership and usage right.
In process of the present invention is realized, inventor has found that at least there are the following problems in the prior art:
First, a large amount of funds in float can be precipitated during fund raising by depositing pipe account, although bank supervises to depositing pipe account
Pipe, but still the risk that platform falseness is diverted can not be prevented.
Secondly, in conventional methods where, investor delivers bid money after raiser, and the flow direction for fund just loses control
System, it is impossible to differentiate the use of additional funding, raiser using investor fund for investor, fund raising platform and its
He is opaque for participant, therefore easily occurs raiser's folk prescription change use of funds, produces use of funds risk.
The content of the invention
In view of this, the present invention provides a kind of mthods, systems and devices that transaction of raising funds is realized based on digital cash, utilizes
Digital cash provides payment and the transaction approach of the fund raising allocation of the funds for fund raising platform, realizes that digital cash is directly shifted, it is to avoid
Pipe account sink money is deposited, multi-party coalition signature mechanism is introduced, prevents fund raising fund from being diverted or changed purposes, make Monetary paths
It is transparent controllable, enhance the supervision to fund.
To achieve the above object, according to an aspect of the invention, there is provided a kind of realized based on digital cash raises funds to hand over
Easy method, including:Investor's purse application device sends described pay according to the intelligent contract of transaction to investor bank wallet
Request;Wherein, the payment request includes:The amount of money of payout figure currency, raiser bank wallet mark, coalition signature intelligence
Contract application and license intelligent contract application;Investor bank wallet is after the payment request is received, to numeral
Money-system sends described pay and asked;The digital coin systems are accepted after the payment request, are asked according to described pay,
Original digital cash of investor is cancelled, the digital cash identified with coalition signature is regenerated, then by the digital goods
Coin is sent to raiser bank wallet;Wherein, the coalition signature mark includes signature rule mark and using rule mark;Institute
The intelligent contract of signature rule mark correspondence coalition signature is stated, it is described to license intelligent contract using rule correspondence;The numeral
Currency is encryption word string, and the encryption word string includes the amount of money of the digital cash, publisher's mark and owner's mark.
Alternatively, owner's mark remains former owner's mark not in the digital cash identified with coalition signature
Become, being designated raiser using rule identifies.
Alternatively, the digital coin systems will be sent to raiser bank money with the digital cash that coalition signature is identified
Bao Hou, methods described also includes:Raiser's purse application device initiates transaction request to raiser bank wallet;It is described to raise
Zi Ren banks wallet sends the transaction request after the transaction request is received to the digital coin systems;The numeral
Money-system verifies the transaction request, including checking with the corresponding coalition signature intelligence of digital cash that coalition signature is identified
Contract and intelligent contract is licensed, if being verified and when the use rule is designated raiser's mark, basis
Coalition signature intelligence contract, initiates signature request, wherein the signature request includes the friendship to investor bank wallet
The content easily asked;Investor bank wallet is sent out after the signature request is received to investor's purse application device
Send the signature request;Investor's purse application device returns subsidiary after order is received to investor bank wallet
The signature request of investor's signing messages;Investor bank wallet receives the institute of incidentally investor's signing messages
State after signature request, the signature request is sent to the digital coin systems;The digital coin systems receive it is incidentally described
After the signature request of investor's signing messages, the proof rule in the intelligent contract of the coalition signature is to the signature
Information is verified;If being verified, according to the transaction request, the digital cash that original tape coalition signature is identified cancels,
The generation owner is designated the new digital cash of trading object, and the digital cash is sent into the trading object.
Alternatively, the digital coin systems verify the transaction request, including the number that checking is identified with coalition signature
The intelligent contract of the corresponding coalition signature of word currency and intelligent contract is licensed, if being verified and the use rule is designated
During raiser's mark, methods described also includes:If the corresponding joint label of digital cash identified with coalition signature
Different signers are defined in the intelligent contract of name, then the digital coin systems are always according to the intelligent contract of coalition signature, to institute
All signers specified in stating the intelligent contract of coalition signature send signature request one by one, wherein the signature request includes described
The content of transaction request;The digital coin systems are received after the receipt of the signature request of its transmission, according to described
All signing messages in the receipt are verified by the proof rule in coalition signature intelligence contract, if checking is logical
Cross, then according to the transaction request, the digital cash that original tape coalition signature is identified cancels, the generation owner is designated transaction pair
The new digital cash of elephant, and the digital cash is sent to the trading object.
Alternatively, the transaction request includes:The dealing money of digital cash, trading object gathering are identified, with joint
The intelligent contract of digital cash, Transaction Information, coalition signature for mark of signing and license intelligent contract.
Alternatively, the digital coin systems by the digital cash after the trading object is sent to, methods described
Also include:The digital coin systems send transaction completion notice to raiser bank wallet;Raiser bank money
Bag sends the transaction completion notice after the transaction completion notice is received to raiser's purse application device;It is described
Raiser's purse application device sends the transaction after the transaction completion notice is received, to the intelligent contract system of transaction and completed
Notify.The intelligent contract system of transaction updates the state of the intelligent contract of the transaction after the transaction completion notice is received.
Alternatively, the digital coin systems by the digital cash after the trading object is sent to, methods described
Also include:The digital coin systems send the side's of licensing transaction completion notice to investor bank wallet;It is described go out
Zi Ren banks wallet sends institute after the side's of licensing transaction completion notice is received to investor's purse application device
State the side's of licensing transaction completion notice;Investor's purse application device completes to lead to receiving the side of the licensing transaction
After knowing, the side's of licensing transaction completion notice is sent to the intelligent contract system of the transaction;The intelligent contract system of transaction
System updates the state of the intelligent contract of the transaction after the side's of licensing transaction completion notice is received.
To achieve the above object, realized and raised funds based on digital cash there is provided one kind according to another aspect of the present invention
The system of transaction, the system includes investor's purse application device, investor bank wallet device, digital coin systems device
And raiser bank wallet device:Investor's purse application device, for according to the intelligent contract of transaction to investor bank money
Bag apparatus sends described pay and asked;Wherein, the payment request includes:The amount of money, the raiser bank money of payout figure currency
Wrap the intelligent contract application of mark, coalition signature and license intelligent contract application;Investor bank wallet device, for receiving
Paid to described after request, sending described pay to digital coin systems device asks;Digital coin systems device, for accepting
It is described to pay after request, asked according to described pay, original digital cash of investor is cancelled, regenerated with joint label
The digital cash of name mark, then sends the digital cash to raiser bank wallet device;Wherein, the coalition signature mark
Knowledge includes signature rule mark and using rule mark;The intelligent contract of the signature rule mark correspondence coalition signature, it is described to make
Intelligent contract is licensed with rule correspondence;The digital cash is encryption word string, and the encryption word string includes the digital goods
The amount of money, publisher's mark and the owner's mark of coin.
Alternatively, owner's mark remains former owner's mark not in the digital cash identified with coalition signature
Become, being designated raiser using rule identifies.
Alternatively, the digital coin systems device will be sent to raiser's silver with the digital cash that coalition signature is identified
After row wallet, the system also includes:Raiser's purse application device, for initiating to hand over to the raiser bank wallet device
Easily request;Wherein, the raiser bank wallet device is additionally operable to after the transaction request is received, to the digital cash system
Bulk cargo puts the transmission transaction request;The digital coin systems device is additionally operable to verify the transaction request, including checking band
The intelligent contract of the corresponding coalition signature of digital cash that there is coalition signature to identify and license intelligent contract, if be verified and
When the use rule is designated raiser mark, then according to the intelligent contract of coalition signature to investor bank wallet
Device initiates signature request, wherein the signature request includes the content of the transaction request;Investor bank wallet dress
Put and be additionally operable to after the signature request is received send the signature request to investor's purse application device;It is described to provide funds
People's purse application device is additionally operable to after order is received return to subsidiary investor's A.L.S. to the investor bank wallet device
The signature request of breath;The investor bank wallet device is additionally operable to receive the described of subsidiary investor's signing messages
After signature request, the signature request is sent to the digital coin systems device;The digital coin systems device is additionally operable to
Receive after the incidentally signature request of investor's signing messages, the checking in the intelligent contract of the coalition signature is advised
Then the signing messages is verified;If being verified, according to the transaction request, the number that original tape coalition signature is identified
Word currency cancels, and the generation owner is designated the new digital cash of trading object, and the digital cash is sent into the transaction
Object.
Alternatively, the digital coin systems device verifies the transaction request, including checking with coalition signature mark
The intelligent contract of the corresponding coalition signature of digital cash and license intelligent contract, if being verified and described using rule mark
Know when being identified for the raiser, if in the intelligent contract of the corresponding coalition signature of digital cash identified with coalition signature
Different signers are defined, then the digital coin systems device is additionally operable to according to the intelligent contract of coalition signature, to described
All signers specified in closing the intelligent contract of signature send signature request one by one, wherein the signature request includes the transaction
The content of request;The digital coin systems device is received after the receipt of the signature request of its transmission, according to described
All signing messages in the receipt are verified by the proof rule in coalition signature intelligence contract, if checking is logical
Cross, then according to the transaction request, the digital cash that original tape coalition signature is identified cancels, the generation owner is designated transaction pair
The new digital cash of elephant, and the digital cash is sent to the trading object.
Alternatively, the transaction request includes:The dealing money of digital cash, trading object gathering are identified, with joint
The intelligent contract of digital cash, Transaction Information, coalition signature for mark of signing and license intelligent contract.
Alternatively, the digital coin systems device is described after the digital cash is sent into the trading object
Digital coin systems device is additionally operable to send transaction completion notice to the raiser bank wallet device;The raiser bank
Wallet device is additionally operable to after the transaction completion notice is received, and described merchandised is sent to raiser's purse application device
Into notice;Raiser's purse application device is additionally operable to after the transaction completion notice is received, to the intelligent contract system of transaction
Bulk cargo puts the transmission transaction completion notice;Wherein, merchandise intelligent contract system and device, for completing logical receiving the transaction
After knowing, the state of the intelligent contract of the transaction is updated.
Alternatively, the digital coin systems device is described after the digital cash is sent into the trading object
Digital coin systems device is additionally operable to send the side's of licensing transaction completion notice to the investor bank wallet device;It is described
Investor bank wallet device is additionally operable to after the side's of licensing transaction completion notice is received, should to investor's wallet
The side's of licensing transaction completion notice is sent with device;Investor's purse application device is additionally operable to receiving described award
Weigh after user's transaction completion notice, sending the side's of licensing transaction to the intelligent contract system and device of the transaction completes logical
Know;The intelligent contract system and device of transaction is additionally operable to after the side's of licensing transaction completion notice is received, and updates the transaction
The state of intelligent contract.
To achieve the above object, realized and raised funds based on digital cash there is provided one kind according to a further aspect of the invention
The device of transaction, described device includes end unit, CPU and the second middle-end list in the first front end unit, first
Member:First front end unit, is asked for sending described pay to investor bank wallet device according to the intelligent contract of transaction;Its
In, the payment request includes:The amount of money of payout figure currency, raiser bank wallet mark, the intelligent contract Shen of coalition signature
Please with license intelligent contract application;End unit in first, for after the payment request is received, to CPU
Described pay is sent to ask;CPU, for accepting after the payment request, asks according to described pay, will provide funds
Original digital cash of people cancels, and regenerates the digital cash identified with coalition signature, then sends the digital cash
The end unit into second;Wherein, the coalition signature mark includes signature rule mark and using rule mark;The signature rule
The intelligent contract of correspondence coalition signature is then identified, it is described to license intelligent contract using rule correspondence;The digital cash is to add
Close word string, the encryption word string includes the amount of money of the digital cash, publisher's mark and owner's mark.
Alternatively, owner's mark remains former owner's mark not in the digital cash identified with coalition signature
Become, being designated raiser using rule identifies.
Alternatively, the CPU will be sent to raiser bank money with the digital cash that coalition signature is identified
Bao Hou, described device also includes:Second front end unit, for initiating transaction request to end unit in described second;Wherein, it is described
End unit is additionally operable to after the transaction request is received in second, and the transaction request is sent to the CPU;Institute
State CPU to be additionally operable to verify the transaction request, including verify that the digital cash with coalition signature mark is corresponding
Coalition signature intelligence and licenses intelligent contract at contract, if being verified and the use rule is designated raiser's mark
During knowledge, then signature request is initiated to end unit in described first according to the intelligent contract of coalition signature, wherein the signature request
Include the content of the transaction request;End unit is additionally operable to after the signature request is received to first front end in described first
Unit sends the signature request;First front end unit is additionally operable to returning to end unit in described first after receiving order
The signature request of subsidiary investor's signing messages;End unit is additionally operable to receive incidentally investor's signature in described first
After the signature request of information, the signature request is sent to the CPU;The CPU is additionally operable to
After the incidentally signature request of investor's signing messages is received, according to the checking in the intelligent contract of the coalition signature
Rule is verified to the signing messages;If being verified, according to the transaction request, original tape coalition signature is identified
Digital cash cancels, and the generation owner is designated the new digital cash of trading object, and the digital cash is sent into the friendship
Easy object.
Alternatively, the CPU verifies the transaction request, including the number that checking is identified with coalition signature
The intelligent contract of the corresponding coalition signature of word currency and intelligent contract is licensed, if being verified and the use rule is designated
During raiser's mark, if being provided in the intelligent contract of the corresponding coalition signature of digital cash identified with coalition signature
Different signers, then the CPU be additionally operable to according to the intelligent contract of coalition signature, to the coalition signature intelligence
All signers specified in energy contract send signature request one by one, wherein the signature request includes the interior of the transaction request
Hold;The CPU is received after the receipt of the signature request of its transmission, according to coalition signature intelligence
All signing messages in the receipt are verified by the proof rule in contract, if being verified, according to described
Transaction request, the digital cash that original tape coalition signature is identified cancels, and the generation owner is designated the new digital goods of trading object
Coin, and the digital cash is sent to the trading object.
Alternatively, the transaction request includes:The dealing money of digital cash, trading object gathering are identified, with joint
The intelligent contract of digital cash, Transaction Information, coalition signature for mark of signing and license intelligent contract.
Alternatively, the CPU by the digital cash after the trading object is sent to, the center
Processing unit is additionally operable to the end unit in described second and sends transaction completion notice;End unit is additionally operable to receiving in described second
After the transaction completion notice, the transaction completion notice is sent to second front end unit;Second front end unit is also
For after the transaction completion notice is received, the transaction completion notice to be sent to the intelligent contract unit of transaction;Wherein, merchandise
Intelligent contract unit, for after the transaction completion notice is received, updating the state of the intelligent contract of the transaction.
Alternatively, the CPU by the digital cash after the trading object is sent to, the center
Processing unit is additionally operable to the end unit in described first and sends the side's of licensing transaction completion notice;End unit is also in described first
For after the side's of licensing transaction completion notice is received, the side's of licensing friendship to be sent to first front end unit
It is readily accomplished notice;First front end unit is additionally operable to after the side's of licensing transaction completion notice is received, and is handed over to described
Easily intelligence contract unit sends the side's of licensing transaction completion notice;The intelligent contract unit of transaction is additionally operable to receiving
After the side's of licensing transaction completion notice, the state of the intelligent contract of the transaction is updated.
To achieve the above object, there is provided a kind of computer-readable recording medium, institute according to a further aspect of the invention
State the computer instruction that is stored with computer-readable recording medium, it is characterised in that the computer instruction can be by computer
Or computer system operation, so that the computer or computer system are able to carry out a kind of realized based on digital cash and raised
Provide the method any one of the method for transaction.
The present invention provides a kind of mthods, systems and devices for the coalition signature for raising funds to merchandise based on digital cash, realizes
Payment and the transaction approach of the fund raising allocation of the funds are provided by platform of digital cash, realize that digital cash is directly shifted, it is to avoid deposit
Pipe account sink money, introduces multi-party coalition signature mechanism, prevents fund raising fund from being diverted or changed purposes, make Monetary paths saturating
It is bright controllable, enhance the supervision to fund.
The further effect that above-mentioned non-usual optional mode has adds hereinafter in conjunction with embodiment
With explanation.
Brief description of the drawings
Accompanying drawing is used to more fully understand the present invention, does not constitute inappropriate limitation of the present invention.Wherein:
Fig. 1 is the signal of the key step of the method for the coalition signature based on digital cash fund raising transaction according to the present invention
Figure;
Fig. 2 is the signal of the major part of the system of the coalition signature based on digital cash fund raising transaction according to the present invention
Figure.
Embodiment
The one exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including the various of the embodiment of the present invention
Details should think them only exemplary to help understanding.Therefore, those of ordinary skill in the art should recognize
Arrive, various changes and modifications can be made to the embodiments described herein, without departing from scope and spirit of the present invention.Together
Sample, for clarity and conciseness, eliminates the description to known function and structure in following description.
Fig. 1 is a kind of key step of the method for coalition signature based on digital cash fund raising transaction according to the present invention
Schematic diagram, as shown in Figure 1:
Step S101 represents that investor's purse application device sends institute according to the intelligent contract of transaction to investor bank wallet
State payment request;Wherein, the payment request includes:The amount of money, raiser bank wallet mark, the joint label of payout figure currency
The intelligent contract application of name and license intelligent contract application.The intelligent contract of transaction is transformed by original electronic contract, its
Content mainly includes:Investment financing agreement, fund raising side's platform signature, platform authentication signature, platform service charge collect number and button
Debit's formula, raiser's information, raiser's credit information, fund raising purposes etc..Investor's purse application device is that investor is used
Equipment or client.The digital cash is encryption word string, and the content of the encryption word string includes the gold of the digital cash
Volume, publisher's mark and owner's mark, the owner identify the ownership for defining digital cash.
Step S102 represents that investor bank wallet after the payment request is received, is sent to digital coin systems
It is described to pay request.Wherein described investor bank wallet is equipment or client of the business bank towards investor, bank's money
The digital cash of reason and record per transaction is assured, each digital cash is made a distinction.The digital coin systems be by
What digital cash issuer provided operates there is provided the operation such as the distribution of digital cash, transfer, checking, production, calcellation, management.
Step S103 represents that the digital coin systems are accepted after the payment request, asks, will go out according to described pay
The original digital cash for providing people cancels, and regenerates the digital cash identified with coalition signature.Wherein, the digital cash system
System accepts the intelligent contract application of coalition signature and licenses intelligent contract application, and the coalition signature mark includes signature rule
Identify and using rule mark, the regular mark of signature is corresponding with the intelligent contract of coalition signature, using regular intelligent contract with awarding
Power is corresponding using intelligent contract.The owner mark of digital cash described in the new digital cash of generation remains former all
Person's mark is constant, and described identified using rule is changed into raiser's mark, makes the raiser without digital cash institute
Possesses the right to use of the digital cash in the case of having the right.Referred to using rule, the digital cash owner can authorize specified use
Family, makes it have the right to initiate digital cash payment transaction request, digital coin systems are paid the bill by licensing intelligent contract checking
Whether transaction request initiator is met using rule requirement, for example, check whether initiator's digital signature can be demonstrate,proved with authorized user
The public key of book is verified.Coalition signature intelligence contract and the formulation mode and content Reference Transactions intelligence for licensing intelligent contract
Can contract.Digital cash is registered in digital coin systems by Que Quan Register, and a kind of implementation of calcellation just exists
The state of the digital cash is set to " cancel " or engineering noise in Que Quan Register.
Step S104 represents that the digital coin systems will be sent to raiser with the digital cash that coalition signature is identified
Bank's wallet.
The digital coin systems will be sent to raiser bank wallet with the digital cash that coalition signature is identified, step
Rapid S105 represents that raiser's purse application device initiates transaction request to raiser bank wallet;Wherein, the transaction please
Ask including:Dealing money, trading object gathering mark, the digital cash identified with coalition signature, the transaction letter of digital cash
The intelligent contract of breath, coalition signature and license intelligent contract.
Step S106 represents raiser bank wallet after the transaction request is received, to the digital coin systems
Send the transaction request.
Step S107 represents that the digital coin systems verify the transaction request.Coalition signature is carried including checking
The intelligent contract of the corresponding coalition signature of the digital cash of mark and intelligent contract is licensed, it is described using advising including verifying
Then mark is raiser's mark, if then illustrating that the raiser has the right to use of the digital cash, can be used
The digital cash initiates transaction request.Verify that the intelligent contract of coalition signature includes verifying whether the contract party of its defined is investment
People.
After step S108 represents that the digital coin systems are verified to the transaction request, to the investor bank
Wallet initiates signature request, wherein the signature request includes the content of the transaction request.Wherein signature request is mainly to ask
Ask to direction digital cash addition signature rule mark.Wherein, the digital coin systems verify the transaction request, including test
Card is with the intelligent contract of the corresponding coalition signature of digital cash that coalition signature is identified and licenses intelligent contract, if checking is logical
Cross and when the use rule is designated raiser mark, if the digital cash identified with coalition signature is corresponding
Different signers are defined in coalition signature intelligence contract, then the digital coin systems are intelligently closed always according to coalition signature
About, signature request is sent one by one to all signers specified in the intelligent contract of the coalition signature, wherein the signature request
Include the content of the transaction request;The digital coin systems are received after the receipt of the signature request of its transmission,
Into the proof rules of the step S112 in the intelligent contract of the coalition signature, to all A.L.S.s in the receipt
Breath is verified, if being verified, into step S113 according to the transaction request, the digital goods that original tape coalition signature is identified
Coin cancels, and the generation owner is designated the new digital cash of trading object, and the digital cash is sent into the trading object.
Wherein described proof rule can be the receipt to all signature requests, verify that its rule of signing is identified whether and coalition signature
Intelligent contract matches, if it does, then to being calculated according to default logic rules the combination of these coalition signatures, than
Such as default logic rules are to carry out weighted value or Boolean assignment to the signature of each signer, and set the threshold of result of calculation
Value, if by calculating, the final result of the combination of these coalition signatures exceedes threshold value, then it is effective to judge coalition signature.
Step S109 represents that investor bank wallet should to investor's wallet after the signature request is received
The signature request is sent with device.
Step S110 represents that investor's purse application device is returned after order is received to investor bank wallet
Return the signature request of subsidiary investor's signing messages.Wherein described signing messages refers mainly to rule mark of signing.
Step S111 represent investor bank wallet receive incidentally investor's signing messages the signature please
After asking, the signature request is sent to the digital coin systems.
Step S112 represents that the digital coin systems please in the signature for receiving incidentally investor's signing messages
After asking, the proof rule in the intelligent contract of the coalition signature is verified to the signing messages.The digital cash
System is verified to the signing messages, such as passed through after the incidentally signature request of investor's signing messages is received
The public key of signer is verified.
If step S113 represents that the signing messages is verified, the digital coin systems please according to the transaction
Ask, the digital cash that original tape coalition signature is identified cancels, the generation owner is designated the new digital cash of trading object.
Step S114 represents that the new digital cash generated in step S113 is sent to the friendship by the digital coin systems
Easy object.
Step S115-1 represents the digital coin systems after the digital cash is sent into the trading object, institute
State digital coin systems and send transaction completion notice to raiser bank wallet.
Step S116-1 represents raiser bank wallet after the transaction completion notice is received, to the raiser
Purse application device sends the transaction completion notice.
Step S117-1 represents raiser's purse application device after the transaction completion notice is received, to transaction intelligence
Can the contract system transmission transaction completion notice.Wherein, the intelligent contract system of the transaction is described for issuing and performing
The system of the independent operating of intelligent contract.
Step S115-2 represents the digital coin systems after the digital cash is sent into the trading object, institute
State digital coin systems and send the side's of licensing transaction completion notice to investor bank wallet.
Investor bank wallet described in step S116-2 is merchandised after completion notice receiving the side of licensing, to described
Investor's purse application device sends the side's of licensing transaction completion notice.
Step S117-2 represents that investor's purse application device is receiving the side's of licensing transaction completion notice
Afterwards, the side's of licensing transaction completion notice is sent to the intelligent contract system of the transaction.
Step S118 represents that the intelligent contract system of the transaction is receiving the side's of licensing transaction completion notice or institute
State after transaction completion notice, update the state of the intelligent contract of the transaction, such as be updated to " raise funds by the state for intelligent contract of merchandising
People is used by agreement and raised ".
Fig. 2 is a kind of main portion of the system 200 of coalition signature based on digital cash fund raising transaction according to the present invention
The schematic diagram divided, as shown in Figure 2:
System 200 includes investor's purse application device 201, investor bank wallet device 202, digital coin systems dress
Put 203 and raiser bank wallet device 204:
Investor's purse application device 201, for being sent according to the intelligent contract of transaction to investor bank wallet device 202
It is described to pay request;Wherein, the payment request includes:The amount of money of payout figure currency, raiser bank wallet mark, joint
The intelligent contract application of signature and license intelligent contract application.
Investor bank wallet device 202, for after the payment request is received, to digital coin systems device 203
Described pay is sent to ask.
Digital coin systems device 203, for accepting after the payment request, is asked, by investor according to described pay
Original digital cash cancel, regenerate with coalition signature identify digital cash, then by the digital cash send to
Raiser bank wallet device 204;Wherein investor bank wallet device 202 is business bank towards investor's client, silver
The digital cash of row wallet device management and record per transaction, makes a distinction to each digital cash.Digital coin systems
Device 203 be by digital cash issuer provide there is provided the distribution of digital cash, transfer, checking, production, calcellation, management
Deng operation operation.Digital coin systems device 203 accepts the intelligent contract application of coalition signature and licenses intelligent contract application,
The coalition signature mark includes signature rule mark and using rule mark, signature rule mark and the intelligent contract of coalition signature
It is corresponding, it is corresponding with licensing intelligent contract using regular intelligent contract.Digital cash described in the new digital cash of generation
Owner mark to remain former owner mark constant, be changed to raiser by described using rule mark and identify, make
The raiser possesses the right to use of the digital cash in the case of without digital cash ownership.Referred to using rule,
The digital cash owner can authorize specified user, make it have the right to initiate digital cash payment transaction request, digital coin systems
Verify whether payment transaction request initiator is met using rule requirement by licensing intelligent contract, for example, check initiator
Whether digital signature can be verified with the public key of authorized user's certificate.Coalition signature intelligence and licenses intelligent conjunction at contract
Formulation mode about and the intelligent contract of content Reference Transactions.Digital cash is carried out in digital coin systems by Que Quan Register
The state of the digital cash is just set to " calcellation " or " nothing by a kind of registration, implementation of calcellation in Que Quan Register
Effect ".
Wherein, the digital cash is encryption word string, and the encryption word string includes the amount of money of the digital cash, publisher
Mark and owner's mark, the owner identify the ownership for defining digital cash.
Can to remain former owner mark constant for owner's mark in the digital cash identified with coalition signature, makes
Raiser's mark is designated with rule.The intelligent contract of transaction is transformed by original electronic contract, and its content mainly includes:Throw
Money financing agreement, fund raising side's platform signature, platform authentication signature, platform service charge collect number and button debit formula, raiser's letter
Breath, raiser's credit information, fund raising purposes etc..Investor's purse application device 201 is that investor uses client.
Digital coin systems device 203 will be sent to raiser bank wallet with the digital cash that coalition signature is identified
Afterwards, the system 200 may also include:
Raiser's purse application device 205, for initiating transaction request to raiser bank wallet device 204;It is described to hand over
Easily request includes:The dealing money of digital cash, trading object gathering mark, the digital cash identified with coalition signature, friendship
The intelligent contract of easy information, coalition signature and license intelligent contract.
Wherein, raiser bank wallet device 204 can be additionally used in after the transaction request is received, to digital coin systems
Device 203 sends the transaction request.
Digital coin systems device 203 is additionally operable to verify the transaction request, including checking with coalition signature mark
The intelligent contract of the corresponding coalition signature of digital cash and intelligent contract is licensed, if being verified and described using rule mark
When being identified for the raiser, then signature request is initiated to investor bank wallet device 202 according to the intelligent contract of coalition signature,
Wherein described signature request includes the content of the transaction request;Wherein signature request is mainly that request adds to direction digital cash
Name of endorsing rule mark.Wherein, digital coin systems device 203 verifies that the transaction request, including checking carry coalition signature
The intelligent contract of the corresponding coalition signature of the digital cash of mark and intelligent contract is licensed, if being verified and described using rule
When being then designated raiser's mark, if described intelligently close with the corresponding coalition signature of digital cash that coalition signature is identified
Different signers are defined in about, then digital coin systems device 203 is additionally operable to according to the intelligent contract of coalition signature, to described
All signers specified in coalition signature intelligence contract send signature request one by one, wherein the signature request includes the friendship
The content easily asked;Digital coin systems device 203 is received after the receipt of the signature request of its transmission, according to described
All signing messages in the receipt are verified by the proof rule in coalition signature intelligence contract, if checking is logical
Cross, then according to the transaction request, the digital cash that original tape coalition signature is identified cancels, the generation owner is designated transaction pair
The new digital cash of elephant, and the digital cash is sent to the trading object.Wherein described proof rule can be to all
Signature request receipt, verify that its rule of signing identifies whether to match with the intelligent contract of coalition signature, if it does, then right
The combination of these coalition signatures is calculated according to default logic rules, such as default logic rules are to each signature
The signature of side carries out weighted value or Boolean assignment, and sets the threshold value of result of calculation, if passing through calculating, these coalition signatures
Combination final result exceed threshold value, then it is effective to judge coalition signature.
Investor bank wallet device 202 is additionally operable to after the signature request is received to investor's purse application device
201 send the signature request.
Investor's purse application device 201 is additionally operable to after order is received to return to investor bank wallet device 202 attached
The signature request with investor's signing messages;Wherein described signing messages refers mainly to rule mark of signing.
Investor bank wallet device 202 is additionally operable to receive the signature request of incidentally investor's signing messages
Afterwards, the signature request is sent to digital coin systems device 203.
Digital coin systems device 203 is additionally operable in the incidentally investor and the intelligent contract of coalition signature is received
After the signing messages of other signers, the proof rule in the intelligent contract of the coalition signature is carried out to the signing messages
Checking.
Digital coin systems device 203 is additionally operable to verify the signing messages, such as entered by the public key of signer
Row checking.If being verified, according to the transaction request, the digital cash that original tape coalition signature is identified cancels, and generates institute
The person of having is designated the new digital cash of trading object, and the digital cash is sent into the trading object.
Digital coin systems device 203 by the digital cash after the trading object is sent to, digital coin systems
Device 203 is additionally operable to send transaction completion notice to raiser bank wallet device 204.
Raiser bank wallet device 204 is additionally operable to after the transaction completion notice is received, to raiser's purse application
Device 205 sends the transaction completion notice.
Raiser's purse application device 205 is additionally operable to after the transaction completion notice is received, to the intelligent contract system of transaction
Bulk cargo puts the 206 transmissions transaction completion notice.
Wherein, the intelligent contract system and device 206 of transaction, for after the transaction completion notice is received, updating described hand over
The state of easily intelligent contract.Such as the state for intelligent contract of merchandising is updated to " raiser is used by agreement and raised ".Hand over
Easily intelligence contract system and device 206 has the system for being used for issuing and perform the independent operating of the intelligent contract.
Digital coin systems device 203 by the digital cash after the trading object is sent to, digital coin systems
Device 203 is additionally operable to send the side's of licensing transaction completion notice to investor bank wallet device 202.
Investor bank wallet device 202 is additionally operable to after the side's of licensing transaction completion notice is received, to investment
People's purse application device 201 sends the side's of licensing transaction completion notice.
Investor's purse application device 201 is additionally operable to after the side's of licensing transaction completion notice is received, to transaction
Intelligent contract system and device 206 sends the side's of licensing transaction completion notice.
The intelligent contract system and device 206 of transaction is additionally operable to after the side's of licensing transaction completion notice is received, and is updated
The state of the intelligent contract of transaction.
Above-mentioned embodiment, does not constitute limiting the scope of the invention.Those skilled in the art should be bright
It is white, depending on design requirement and other factors, can occur various modifications, combination, sub-portfolio and replacement.It is any
Modifications, equivalent substitutions and improvements made within the spirit and principles in the present invention etc., should be included in the scope of the present invention
Within.
Claims (22)
1. a kind of method that transaction of raising funds is realized based on digital cash, it is characterised in that including:
Investor's purse application device sends described pay to investor bank wallet according to the intelligent contract of transaction and asked;Wherein,
The payment request includes:The amount of money of payout figure currency, raiser bank wallet mark, the intelligent contract application of coalition signature and
License intelligent contract application;
Investor bank wallet sends described pay after the payment request is received, to digital coin systems and asked;
The digital coin systems are accepted after the payment request, are asked according to described pay, by original digital goods of investor
Coin cancels, and regenerates the digital cash identified with coalition signature, then sends the digital cash to raiser bank money
Bag;
Wherein, the coalition signature mark includes signature rule mark and using rule mark;The signature rule mark correspondence
Coalition signature intelligence contract, it is described to license intelligent contract using rule correspondence;The digital cash is encryption word string, described
Encrypting word string includes the amount of money of the digital cash, publisher's mark and owner's mark.
2. according to the method described in claim 1, it is characterised in that own in the digital cash identified with coalition signature
It is constant that person's mark remains former owner mark, is designated raiser using rule and identifies.
3. according to the method described in claim 1, it is characterised in that the digital coin systems will be identified with coalition signature
Digital cash is sent to raiser bank wallet, and methods described also includes:
Raiser's purse application device initiates transaction request to raiser bank wallet;
Raiser bank wallet is after the transaction request is received, and sending the transaction to the digital coin systems please
Ask;
The digital coin systems verify the transaction request, including verify that the digital cash with coalition signature mark is corresponding
Coalition signature intelligence and licenses intelligent contract at contract, if being verified and the use rule is designated raiser's mark
During knowledge, then according to the intelligent contract of coalition signature, signature request is initiated to investor bank wallet, wherein the signature request
Include the content of the transaction request;
Investor bank wallet sends the label after the signature request is received to investor's purse application device
Name request;
Investor's purse application device returns to subsidiary investor's signature after order is received to investor bank wallet
The signature request of information;
Investor bank wallet is received after the incidentally signature request of investor's signing messages, to the digital goods
Coin system sends the signature request;
The digital coin systems are after the incidentally signature request of investor's signing messages is received, according to the joint
Proof rule in the intelligent contract of signature is verified to the signing messages;
If being verified, according to the transaction request, the digital cash that original tape coalition signature is identified cancels, and generates the owner
The new digital cash of trading object is designated, and the digital cash is sent to the trading object.
4. method according to claim 3, it is characterised in that the digital coin systems verify the transaction request, bag
Checking is included with the intelligent contract of the corresponding coalition signature of digital cash that coalition signature is identified and intelligent contract is licensed, if testing
When card passes through and the use rule is designated raiser's mark, methods described also includes:
If defining different signatures in the intelligent contract of the corresponding coalition signature of digital cash identified with coalition signature
Side, then the digital coin systems are always according to the intelligent contract of coalition signature, to institute specified in the intelligent contract of the coalition signature
There is signer to send signature request one by one, wherein the signature request includes the content of the transaction request;
The digital coin systems are received after the receipt of the signature request of its transmission, according to coalition signature intelligence
All signing messages in the receipt are verified by the proof rule in contract, if being verified, according to described
Transaction request, the digital cash that original tape coalition signature is identified cancels, and the generation owner is designated the new digital goods of trading object
Coin, and the digital cash is sent to the trading object.
5. method according to claim 3, it is characterised in that the transaction request includes:The dealing money of digital cash,
Trading object gathering mark, the digital cash identified with coalition signature, Transaction Information, the intelligent contract of coalition signature and mandate make
Use intelligent contract.
6. method according to claim 3, it is characterised in that the digital coin systems are sent by the digital cash
After the trading object, methods described also includes:
The digital coin systems send transaction completion notice to raiser bank wallet;
Raiser bank wallet sends institute after the transaction completion notice is received to raiser's purse application device
State transaction completion notice;
Raiser's purse application device sends described after the transaction completion notice is received to the intelligent contract system of transaction
Transaction completion notice;
The intelligent contract system of transaction updates the state of the intelligent contract of the transaction after the transaction completion notice is received.
7. method according to claim 3, it is characterised in that the digital coin systems are sent by the digital cash
After the trading object, methods described also includes:
The digital coin systems send the side's of licensing transaction completion notice to investor bank wallet;
Investor bank wallet is after the side's of licensing transaction completion notice is received, to investor's purse application
Device sends the side's of licensing transaction completion notice;
Investor's purse application device is closed after the side's of licensing transaction completion notice is received to the transaction intelligence
About system sends the side's of licensing transaction completion notice.
The intelligent contract system of transaction updates the transaction intelligence and closed after the side's of licensing transaction completion notice is received
State about.
8. a kind of system that transaction of raising funds is realized based on digital cash, it is characterised in that the system should including investor's wallet
With device, investor bank wallet device, digital coin systems device and raiser bank wallet device, wherein:
Investor's purse application device, please for sending the payment to investor bank wallet device according to the intelligent contract of transaction
Ask;Wherein, the payment request includes:The amount of money, raiser bank wallet mark, the coalition signature of payout figure currency are intelligently closed
About apply and license intelligent contract application;
Investor bank wallet device, for after the payment request is received, the branch to be sent to digital coin systems device
Pay request;
Digital coin systems device, for accepting after the payment request, is asked, by original number of investor according to described pay
Word currency cancels, and regenerates the digital cash identified with coalition signature, then sends the digital cash to raiser's silver
Row wallet device;
Wherein, the coalition signature mark includes signature rule mark and using rule mark;The signature rule mark correspondence
Coalition signature intelligence contract, it is described to license intelligent contract using rule correspondence;The digital cash is encryption word string, described
Encrypting word string includes the amount of money of the digital cash, publisher's mark and owner's mark.
9. system according to claim 8, it is characterised in that own in the digital cash identified with coalition signature
It is constant that person's mark remains former owner mark, is designated raiser using rule and identifies.
10. system according to claim 8, it is characterised in that the digital coin systems device will carry coalition signature
The digital cash of mark is sent to raiser bank wallet, and the system also includes:
Raiser's purse application device, for initiating transaction request to the raiser bank wallet device;
Wherein, the raiser bank wallet device is additionally operable to after the transaction request is received, to the digital coin systems
Device sends the transaction request;
The digital coin systems device is additionally operable to verify the transaction request, including the numeral that checking is identified with coalition signature
The intelligent contract of the corresponding coalition signature of currency and intelligent contract is licensed, if being verified and the use rule is designated institute
When stating raiser's mark, then signature request is initiated to the investor bank wallet device according to the intelligent contract of coalition signature, its
Described in signature request include the content of the transaction request;
The investor bank wallet device is additionally operable to after the signature request is received to investor's purse application device
Send the signature request;
Investor's purse application device is additionally operable to after order is received return to the investor bank wallet device and attached
The signature request of investor's signing messages;
The investor bank wallet device is additionally operable to receive after the incidentally signature request of investor's signing messages, to
The digital coin systems device sends the signature request;
The digital coin systems device is additionally operable to after the incidentally signature request of investor's signing messages is received, root
The signing messages is verified according to the proof rule in the intelligent contract of the coalition signature;
If being verified, according to the transaction request, the digital cash that original tape coalition signature is identified cancels, and generates the owner
The new digital cash of trading object is designated, and the digital cash is sent to the trading object.
11. system according to claim 10, it is characterised in that the digital coin systems verify the transaction request,
Including verifying the intelligent contract of the corresponding coalition signature of digital cash identified with coalition signature and licensing intelligent contract, if
It is verified and when the use rule is designated raiser mark, if the digital cash identified with coalition signature
Different signers are defined in the intelligent contract of corresponding coalition signature, then the digital coin systems device is additionally operable to according to connection
The intelligent contract of signature is closed, signature request is sent one by one to all signers specified in the intelligent contract of the coalition signature, wherein
The signature request includes the content of the transaction request;
The digital coin systems device is received after the receipt of the signature request of its transmission, according to the coalition signature
All signing messages in the receipt are verified by the proof rule in intelligent contract, if being verified, basis
The transaction request, the digital cash that original tape coalition signature is identified cancels, and the generation owner is designated the new number of trading object
Word currency, and the digital cash is sent to the trading object.
12. device according to claim 10, it is characterised in that the transaction request includes:The trade gold of digital cash
Volume, trading object gathering mark, the digital cash identified with coalition signature, Transaction Information, the intelligent contract of coalition signature and award
Power uses intelligent contract.
13. system according to claim 10, it is characterised in that the digital coin systems device is by the digital goods
Coin is sent to after the trading object, and the digital coin systems device is additionally operable to send to the raiser bank wallet device
Transaction completion notice;
The raiser bank wallet device is additionally operable to after the transaction completion notice is received, to raiser's purse application
Device sends the transaction completion notice;
Raiser's purse application device is additionally operable to after the transaction completion notice is received, and is filled to the intelligent contract system of transaction
Put the transmission transaction completion notice;
Wherein, intelligence of merchandising contract system and device, for after the transaction completion notice is received, updating the transaction intelligence conjunction
State about.
14. system according to claim 10, it is characterised in that the digital coin systems device is by the digital goods
Coin is sent to after the trading object, and the digital coin systems device is additionally operable to send to the investor bank wallet device
The side's of licensing transaction completion notice;
The investor bank wallet device is additionally operable to after the side's of licensing transaction completion notice is received, and is provided funds to described
People's purse application device sends the side's of licensing transaction completion notice;
Investor's purse application device is additionally operable to after the side's of licensing transaction completion notice is received, to the transaction
Intelligent contract system and device sends the side's of licensing transaction completion notice;
The intelligent contract system and device of transaction is additionally operable to after the side's of licensing transaction completion notice is received, and updates the transaction
The state of intelligent contract.
15. a kind of device that transaction of raising funds is realized based on digital cash, it is characterised in that it is single that described device includes the first front end
End unit in end unit in member, first, CPU and second:
First front end unit, is asked for sending described pay to investor bank wallet device according to the intelligent contract of transaction;Its
In, the payment request includes:The amount of money of payout figure currency, raiser bank wallet mark, the intelligent contract Shen of coalition signature
Please with license intelligent contract application;
End unit in first, for after the payment request is received, sending described pay to CPU and asking;
CPU, for accepting after the payment request, is asked, by original digital goods of investor according to described pay
Coin cancels, and regenerates the digital cash identified with coalition signature, then sends the digital cash to end unit in second;
Wherein, the coalition signature mark includes signature rule mark and using rule mark;The signature rule mark correspondence
Coalition signature intelligence contract, it is described to license intelligent contract using rule correspondence;The digital cash is encryption word string, described
Encrypting word string includes the amount of money of the digital cash, publisher's mark and owner's mark.
16. device according to claim 15, it is characterised in that institute in the digital cash identified with coalition signature
It is constant that the person's of having mark remains former owner mark, is designated raiser using rule and identifies.
17. device according to claim 15, it is characterised in that the CPU will be with coalition signature mark
Digital cash send to raiser bank wallet, described device also includes:
Second front end unit, for initiating transaction request to end unit in described second;
Wherein, end unit is additionally operable to after the transaction request is received in described second, and institute is sent to the CPU
State transaction request;
The CPU is additionally operable to verify the transaction request, including the digital cash that checking is identified with coalition signature
The intelligent contract of corresponding coalition signature and intelligent contract is licensed, if being verified and the use rule is designated described raise
When providing people's mark, then signature request is initiated to end unit in described first according to the intelligent contract of coalition signature, wherein the signature
Request includes the content of the transaction request;End unit is additionally operable to after the signature request is received to described in described first
One front end unit sends the signature request;
First front end unit is additionally operable to returning to subsidiary investor's A.L.S. to end unit in described first after receiving order
The signature request of breath;
End unit is additionally operable to receive after the incidentally signature request of investor's signing messages, in described in described first
Central Processing Unit sends the signature request;
The CPU is additionally operable to after the incidentally signature request of investor's signing messages is received, according to institute
The proof rule stated in the intelligent contract of coalition signature is verified to the signing messages;
If being verified, according to the transaction request, the digital cash that original tape coalition signature is identified cancels, and generates the owner
The new digital cash of trading object is designated, and the digital cash is sent to the trading object.
18. device according to claim 17, it is characterised in that the CPU verifies the transaction request,
Including verifying the intelligent contract of the corresponding coalition signature of digital cash identified with coalition signature and licensing intelligent contract, if
It is verified and when the use rule is designated raiser mark, if the digital cash identified with coalition signature
Different signers are defined in the intelligent contract of corresponding coalition signature, then the CPU is additionally operable to according to joint label
The intelligent contract of name, sends signature request, wherein described one by one to all signers specified in the intelligent contract of the coalition signature
Signature request includes the content of the transaction request;
The CPU is received after the receipt of the signature request of its transmission, according to coalition signature intelligence
All signing messages in the receipt are verified by the proof rule in contract, if being verified, according to described
Transaction request, the digital cash that original tape coalition signature is identified cancels, and the generation owner is designated the new digital goods of trading object
Coin, and the digital cash is sent to the trading object.
19. device according to claim 17, it is characterised in that the transaction request includes:The trade gold of digital cash
Volume, trading object gathering mark, the digital cash identified with coalition signature, Transaction Information, the intelligent contract of coalition signature and award
Power uses intelligent contract.
20. device according to claim 17, it is characterised in that the CPU is sent out by the digital cash
Give after the trading object, the CPU is additionally operable to the end unit in described second and sends transaction completion notice;
End unit is additionally operable to after the transaction completion notice is received in described second, sends described to second front end unit
Transaction completion notice;
Second front end unit is additionally operable to after the transaction completion notice is received, and sends described to the intelligent contract unit of transaction
Transaction completion notice;
Wherein, intelligence of merchandising contract unit, for after the transaction completion notice is received, updating the intelligent contract of the transaction
State.
21. device according to claim 17, it is characterised in that the CPU is sent out by the digital cash
Give after the trading object, the CPU is additionally operable to the end unit in described first and sends the side's of licensing transaction
Completion notice;
End unit is additionally operable to after the side's of licensing transaction completion notice is received in described first, single to first front end
Member sends the side's of licensing transaction completion notice;
First front end unit is additionally operable to after the side's of licensing transaction completion notice is received, and is closed to the transaction intelligence
About unit sends the side's of licensing transaction completion notice;
The intelligent contract unit of transaction is additionally operable to after the side's of licensing transaction completion notice is received, and updates the transaction
The state of intelligent contract.
22. be stored with computer instruction, its feature in a kind of computer-readable recording medium, the computer-readable recording medium
It is, the computer instruction can be run by computer or computer system, so that the computer or computer system energy
Enough perform claims require the method any one of 1-7.
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CN112308708A (en) * | 2020-11-23 | 2021-02-02 | 中信银行股份有限公司 | Loan method and device based on non-block chain intelligent contract and electronic equipment |
CN112819629A (en) * | 2021-02-08 | 2021-05-18 | 天地融科技股份有限公司 | Digital currency transaction method and system based on intelligent contract |
CN112819629B (en) * | 2021-02-08 | 2023-06-13 | 天地融科技股份有限公司 | Digital currency transaction method and system based on intelligent contract |
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