CN107330789B - Digital currency based investment financing transaction method, system and device - Google Patents
Digital currency based investment financing transaction method, system and device Download PDFInfo
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Abstract
The invention provides a transaction method, a system and a device for investment financing based on digital currency, which realize the payment settlement approach for providing a platform with investment and financing fund transfer by using the digital currency. The method comprises the following steps: the investor wallet application device receives the intelligent contract; after receiving a confirmation instruction which is provided by an investor and contains the investment amount, the investor wallet application device adds investment confirmation information to the intelligent contract, wherein the information comprises the investment amount, the investor digital signature and investor personal information; and after the investment confirmation information in the intelligent contract is verified by the investment platform, marking the intelligent contract to be effective. The investor wallet application means pays digital money to a financer bank wallet account in accordance with the validated intelligent contract.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a transaction method, a system and a device for investment financing based on digital currency.
Background
With the development of internet technology and financial industry, intermediary companies providing information services for legal and direct financial transactions between individuals develop rapidly by means of internet platforms, such as the current P2P network loan (internet financial point-to-point loan), network crowd funding, and the like; the platform transaction parties are investors and financers, the investors and the financers achieve transaction intentions through platform information matching, network contracts are signed, and right obligations of the transaction parties are agreed. Taking network loan as an example, the platform serves as an information intermediary and provides services such as information collection, information publishing, credit worthiness assessment, information interaction, loan matching and the like for both transaction parties. The financer distributes information of the borrowing target as a borrower to collect funds, and a plurality of investors can bid at the moment. During bidding, investor funds are first transferred to a stock management account established by the platform, as failure in recruitment may occur. Until the recruitment is complete, if the recruitment is successful, funds are transferred from the depositor account to the financer account.
The platform can establish a large deposit and management account, the existing fund deposit and management system carries out the unified payment through the deposit and management account, and meanwhile, the investor and the financer are affiliated to the virtual account under the deposit and management account and record the fund balance in the deposit and management account. The transfer of funds between the investor and the financer's bank account is accomplished through a depository account.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
firstly, deposit the account of managing and can deposit a large amount of funds in transit in the financing process, and although the bank supervises the account of managing and keeping, still can not stop the risk of the false use of platform.
Secondly, the deposit and management account is opened on the name of the platform main body and is not in accordance with the role of the platform information intermediary, and the operation risk and the safety risk of the platform main body exist in the existing mode, which mainly reflects the problems of transaction information consistency and contract execution consistency. The internet investment lending platform is used as a third party, all information is provided unilaterally from the platform, and investors, financers, supervision agencies and other participants are difficult to mutually check transaction information. On the other hand, investors and financers sign network contracts through the platform, the whole transaction and contract execution process are controlled by the platform, and supervision and guarantee are lacked. There are operational vulnerabilities that the platform may be fake and the safety hazards of the platform itself.
Disclosure of Invention
In view of the above, the invention provides a transaction method, system and device for investment financing based on digital currency, which realizes a payment settlement approach for providing investment financing fund transfer for a platform by using the digital currency, realizes direct transfer of the digital currency, solves the problem that a deposit fund risk of a deposit and management account exists, and avoids the problems that a fund path is opaque, and an operation risk and a platform main body risk exist in a deposit and management account mode.
To achieve the above object, according to one aspect of the present invention, there is provided a transaction method for investment financing based on digital currency, comprising: the investor wallet application device receives the intelligent contract; after receiving a confirmation instruction which is provided by an investor and contains the investment amount, the investor wallet application device adds investment confirmation information to the intelligent contract, wherein the information comprises the investment amount, the investor digital signature and investor personal information; after the investment confirmation information in the intelligent contract is verified by the investment platform, marking the intelligent contract to be effective; the investor wallet application means pays digital money to a financer bank wallet account in accordance with the validated intelligent contract.
Optionally, before the investor wallet applying means receives the smart contract step, the method further comprises: the investment platform issues the intelligent contract in an intelligent contract system; after receiving the intelligent contract, the financer wallet application device adds financing request information to the intelligent contract, wherein the information comprises financing amount, financer digital signature and financer personal information; and the investment platform verifies the financing request information, and if the financing request information passes the verification, an authentication signature is added to the intelligent contract.
Optionally, the investor wallet application means, upon payment of the digital currency to the financer bank wallet account in accordance with the smart contract being effected, the method further comprises: the investor wallet application device sending a payment request to the investor's bank wallet account; the investor bank wallet account sends a payment request to a digital currency system after receiving the payment request; after the digital currency system accepts the payment request, generating new digital currency with a sponsor identifier, abandoning the original digital currency of the investor and sending the digital currency to the sponsor bank wallet account; the digital currency system returns a payment completion notification to the investor's bank wallet account.
Optionally, after the digital currency system returns the payment completion notification to the investor's bank wallet account, the method further comprises: the investor bank wallet account sending the payment completion notification to the investor wallet application device; after receiving the notice, the investor wallet application device sends the payment completion notice to the intelligent contract system; and the intelligent contract system updates the state of the intelligent contract according to the payment completion notice.
Optionally, after the investor wallet application device pays the digital currency to the financer bank wallet account in accordance with the smart contract that has been validated, the method further comprises: the financer bank wallet account sending an investment-to-account notification to the financer wallet application device upon receipt of the digital currency from the investor; after receiving the investment income notice, the financer wallet application device sends the investment income notice to the intelligent contract system; and the intelligent contract system updates the state of the intelligent contract according to the investment income notice.
Optionally, the funder wallet application or the investor wallet application pays a commission to the investment platform in accordance with the smart contract before and during payment of the digital currency to the funder bank wallet account by the investor wallet application in accordance with the smart contract that has been validated.
Optionally, the digital currency is a cryptographic string comprising an amount of the digital currency, an issuer identification and an owner identification.
Optionally, the method further comprises: when the investor wallet application device pays digital money to the financer bank wallet account according to the validated intelligent contract, the digital money system records the state of the digital money by using a message, and the digital money system provides an inquiry interface of the message.
To achieve the above object, according to one aspect of the present invention, there is provided a transaction method for investment financing based on digital currency, comprising: the investor wallet application device receives the intelligent contract; after receiving a confirmation instruction which is provided by an investor and contains the investment amount, the investor wallet application device adds investment confirmation information to the intelligent contract, wherein the information comprises the investment amount, the investor digital signature and investor personal information; after the investment confirmation information in the intelligent contract is verified by the investment platform, marking the intelligent contract to be effective; the investor wallet application means pays digital money to a financer bank wallet account in accordance with the validated intelligent contract.
Optionally, the investment platform module is further configured to issue the intelligent contract on an intelligent contract module; verifying the financing request information, and if the financing request information passes the verification, adding an authentication signature to the intelligent contract; the system further comprises: and the financer wallet application module is used for adding financing request information to the intelligent contract after receiving the intelligent contract, wherein the information comprises financing amount, financer digital signature and financer personal information.
Optionally, the investor wallet application module is further configured to send a payment request to the investor bank wallet account module; the investor bank wallet account module is also used for sending a payment request to the digital currency system after receiving the payment request; the digital currency system is also used for generating new digital currency with a financer mark after accepting the payment request, making the original digital currency of the investor useless and sending the digital currency to the financer bank wallet account module; the digital currency system returns a payment completion notification to the investor's bank wallet account module.
Optionally, the investor wallet application module is further configured to send the notification to the intelligent contract module after receiving the payment completion notification; the intelligent contract module is further used for updating the state of the intelligent contract according to the payment completion notice. The investor bank wallet account module is further configured to send the payment completion notification to the investor wallet application module.
Optionally, the financer wallet application module is further configured to send the investment posting notification to the intelligent contract module after receiving the investment posting notification; the financer bank wallet account module being further to send an investment-to-account notification to the financer wallet application module upon receipt of the digital currency from the investor; the intelligent contract module is further used for updating the state of the intelligent contract according to the investment accounting notice.
Optionally, before and during the payment of the digital currency to the financer bank wallet account module according to the intelligent contract being effected, the financer wallet application module or the investor wallet application module is further configured to pay a commission fee to the investment platform module according to the intelligent contract.
Optionally, the digital currency is a cryptographic string comprising an amount of the digital currency, an issuer identification and an owner identification.
Optionally, the system further comprises, when the investor wallet application module pays the digital currency to the financer bank wallet account module according to the intelligent contract that has been validated: and the message module is used for recording the state of the digital currency, and the digital currency system is also used for providing an inquiry interface of the message module.
To achieve the above object, according to another aspect of the present invention, there is provided a transaction system for investment financing based on digital currency, comprising: the investor wallet application module is used for receiving the intelligent contract; after receiving a confirmation instruction which is provided by an investor and contains the investment amount, adding investment confirmation information into the intelligent contract, wherein the information comprises the investment amount, the digital signature of the investor and the individual information of the investor; paying digital currency to a financer bank wallet account module according to the validated intelligent contract; and the investment platform module is used for marking the intelligent contract to be effective after the investment confirmation information in the intelligent contract passes verification.
Optionally, the platform unit is further configured to verify the financing request information, and add an authentication signature to the intelligent contract if the verification passes; the device further comprises: the issuing unit is used for receiving and issuing the intelligent contract sent by the platform unit; a second receiving unit, configured to receive the smart contract; and the second input unit is used for adding financing request information to the intelligent contract, wherein the information comprises the financing amount, the financing person digital signature and the financing person personal information.
Optionally, the apparatus further comprises: a first sending unit for sending a payment request to an investor's bank wallet account; a second transmitting unit for transmitting a payment request to the digital money system; a money making unit for generating new digital money with a sponsor identifier after the digital money system accepts the payment request, invalidating the digital money originally owned by the investor, and transmitting the digital money to the sponsor bank wallet account; a central notification unit for the digital currency system to return a payment completion notification to the investor's bank wallet account.
Optionally, the apparatus comprises: a first notification unit for the investor's bank wallet account to send the payment completion notification to the investor's wallet application device; a third notification unit configured to send the payment completion notification to the update unit after the investor wallet application device receives the notification; the updating unit is further configured to update the state of the smart contract according to the payment completion notification.
Optionally, the apparatus further comprises: a second notification unit for the financer bank wallet account sending an investment-to-account notification to the financer wallet application device in the event of receipt of the digital currency from the investor; a fourth notification unit, configured to send the investment posting notification to the updating unit after the funder wallet application device receives the investment posting notification; the updating unit is also used for updating the state of the intelligent contract according to the investment statement notice.
Optionally, the funder wallet application or the investor wallet application pays a commission to the platform unit according to the smart contract before and during the payment of the digital money to the funder bank wallet account according to the smart contract that has been effected.
Optionally, the digital currency is a cryptographic string comprising an amount of the digital currency, an issuer identification and an owner identification.
Optionally, the investor wallet application means, upon payment of the digital currency to the financer bank wallet account in accordance with the smart contract being effected, further comprises: and the message unit is used for recording the state of the digital currency, and the digital currency system is also used for providing an inquiry interface of the message unit.
To achieve the above object, according to a further aspect of the present invention, there is provided a computer-readable storage medium having stored thereon computer instructions, wherein the computer instructions are executable by a computer or a computer system, thereby enabling the computer or the computer system to execute the method of any one of the digital currency based investment financing transaction methods.
According to the technical scheme of the invention, a payment settlement way for transferring the investment and financing funds is realized by using the digital currency, the direct transfer of the digital currency is realized, the risk of depositing the funds in the deposit and management account is solved, and the problems of opaque fund paths, operation risks and platform main body risks in the deposit and management account mode are avoided.
The intelligent contract running system provides a uniform credible running environment, each wallet application is used as a running unit of an intelligent contract, the same intelligent contract content is maintained in a consistent mode, and the operating units are kept consistent all the time in the executing process, so that all participants can independently participate in contract execution, the information is disclosed and transparent, and the risk of information inconsistency is avoided. The risk caused by complete control of information by a traditional platform single party is solved, and audit and supervision are facilitated. The participator runs the intelligent contract through the signature, so that the contract becomes an action automatically and forcibly executed by the system, and the platform and other parties cannot tamper and forge contract contents and cannot influence the execution of the contract process. The control mode of the original platform for executing the contract content and the contract by a single party is changed, and the contract equalization is realized, so that the risks in the original contract signing and contract executing processes are reduced.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of the main steps of a transaction method for investment financing based on digital currency according to the present invention;
fig. 2 is a schematic diagram of the main parts of a digital currency based investment financing transaction system according to the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of the main steps of a transaction method for investment financing based on digital currency according to the present invention, as shown in fig. 1:
step S101, the investment platform issues an intelligent contract on an intelligent contract system; the intelligent contract is converted from an original electronic contract, and the contents of the intelligent contract mainly comprise: investment financing agreement, financing party platform signature, platform authentication signature, platform commission charge amount and deduction mode, financer information, financer credit information, financing purpose and the like; the intelligent contract system is an independently running system for issuing and executing the intelligent contracts.
Step S102 represents that the financer wallet application device receives the intelligent contract and adds financing request information to the intelligent contract. The financing request information comprises financing amount, financing person digital signature and financing person personal information; wherein the financer wallet application means is a device or client used by a financer.
Step S103 represents the financer wallet application means transmitting the intelligent contract to which the financing request information has been added to an intelligent contract system.
Step S104 represents that the investment platform reads and verifies the financing request information from the intelligent contract system, and if the verification passes, adds an authentication signature to the intelligent contract, and then sends the authentication signature to the intelligent contract system.
Step S105 represents that the investor wallet application means adds investment confirmation information to the intelligent contract after receiving a confirmation instruction including the investment amount provided by the investor, and transmits the intelligent contract to which the investment confirmation information has been added to the intelligent contract system. The information includes the investment amount, the digital signature of the investor and the individual information of the investor; wherein the investor wallet application is a device or client used by an investor.
Step S106 represents that the investment platform marks the intelligent contract to be effective after verifying the investment confirmation information in the intelligent contract.
Step S107 represents the investor wallet application means paying digital money to a financer bank wallet account according to the smart contract that has been validated, first, the investor wallet application means transmitting a payment request to the investor bank wallet account; wherein the financer bank wallet account is a financer-oriented device or client of a commercial bank; the investor bank wallet account is investor-oriented equipment or a client of a commercial bank; wherein the digital currency is a cryptographic string that includes an amount of the digital currency, an issuer identification, and an owner identification.
Step S108 represents the investor' S bank wallet account sending a payment request to the digital currency system after receiving the payment request; wherein the digital currency system is provided by a digital currency issuing authority, and provides operation operations of issuing, transferring, verifying, producing, invalidating, managing and the like of the digital currency; the digital currency system records the state of the digital currency by using a message, wherein the state comprises 'request acceptance', 'processing' and 'payment success', and the digital currency system provides an inquiry interface of the message.
Step S109 represents that the digital money system generates new digital money with a sponsor identifier after accepting the payment request, invalidates the original digital money of the investor, and transmits the digital money to the sponsor bank wallet account.
Step S110 represents the digital money system returning a payment completion notification to the investor' S bank wallet account.
Then, the intelligent contract state is updated, and the updating way comprises a step S111-1 and a step S112-1, or a step S111-2 and a step S112-2, wherein:
step S111-1: the investor bank wallet account sends the payment completion notification to the investor wallet application device.
Step S112-1: after receiving the notice, the investor wallet application device sends the payment completion notice to the intelligent contract system; and the intelligent contract system updates the state of the intelligent contract according to the payment completion notice, wherein the state of the intelligent contract is updated to 'the investor has received the investment'.
Step S111-2 represents the financer bank wallet account sending an investment-to-account notification to the financer wallet application device upon receipt of the digital currency from the investor.
Step S112-2 represents that the financer wallet application means transmits the investment posting notification to the intelligent contract system after receiving the investment posting notification; and the intelligent contract system updates the state of the intelligent contract according to the investment income notice, such as updating the state of the intelligent contract to be 'the investor has received the investment'.
Before and during the step S107 of the investor wallet application device paying the digital money to the financer bank wallet account according to the intelligent contract that has been made effective, the financer wallet application device or the investor wallet application device pays a commission fee to the investment platform according to the intelligent contract.
FIG. 2 is a schematic diagram of the major portions of a digital currency based investment financing transaction system 200 in accordance with the present invention; as shown in fig. 2:
an investor wallet application module 203 for receiving smart contracts; after receiving a confirmation instruction which is provided by an investor and contains the investment amount, adding investment confirmation information into the intelligent contract, wherein the information comprises the investment amount, the digital signature of the investor and the individual information of the investor; paying digital currency to a financer bank wallet account module 206 in accordance with the intelligent contract that has been validated; the intelligent contract is converted from an original electronic contract, and the contents of the intelligent contract mainly comprise: investment financing agreement, financing party platform signature, platform authentication signature, platform commission charge amount and deduction mode, financer information, financer credit information, financing purpose and the like; wherein the digital currency is a cryptographic string that includes an amount of the digital currency, an issuer identification, and an owner identification.
And the investment platform module 201 is used for marking the intelligent contract to be effective after the investment confirmation information in the intelligent contract passes verification.
The investment platform module 201 may also be used to publish the intelligent contracts on the intelligent contracts module 202; verifying the financing request information, and if the financing request information passes the verification, adding an authentication signature to the intelligent contract; the system 200 further comprises: and the financer wallet application module 205 is used for adding financing request information to the intelligent contract after receiving the intelligent contract, wherein the information comprises the financing amount, the financer digital signature and the financer personal information.
The investor wallet application module 203 is also used to send payment requests to the investor bank wallet account module 204; the investor's bank wallet account module 204 is also used to send payment requests to the digital currency system 207 upon receipt of the payment request; the digital currency system 207 is further configured to generate a new digital currency carrying a sponsor identifier upon acceptance of the payment request, invalidate the original digital currency of the investor, and send the digital currency to the sponsor bank wallet account module 206; the digital currency system 207 returns a payment completion notification to the investor's bank wallet account module 204.
The investor wallet application module 203 is further configured to send the notification to the intelligent contract module 202 after receiving the payment completion notification; the intelligent contract module 202 is further configured to update the status of the intelligent contract according to the payment completion notification; the investor bank wallet account module 204 is also configured to send the payment completion notification to the investor wallet application module 203.
The financer wallet application module 206 is further configured to send the investment posting notification to the intelligent contract module 202 after receiving the investment posting notification; the financer bank wallet account module 206 is further for sending an investment-to-account notification to the financer wallet application module 205 upon receipt of the digital currency from the investor; the intelligent contract module 202 is further configured to update the status of the intelligent contract based on the investment posting notification.
Before and during the payment of the digital currency to the financer bank wallet account module 206 according to the intelligent contract that has been validated, the financer wallet application module 205 or the investor wallet application module 203 is further configured to pay a commission fee to the investment platform module 201 in accordance with the intelligent contract.
When the investor wallet application module 203 pays the digital money to the financer bank wallet account module 206 according to the intelligent contract which is in effect, the system 200 further comprises a message module 208 for recording the state of the digital money, and the digital money system 207 is further used for providing a query interface of the message module 208.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (16)
1. A transaction method for investment financing based on digital currency, comprising:
the investment platform issues the intelligent contract in an intelligent contract system;
after receiving the intelligent contract, the financer wallet application device adds financing request information to the intelligent contract, wherein the information comprises financing amount, financer digital signature and financer personal information;
the investment platform verifies the financing request information, and if the financing request information passes the verification, an authentication signature is added to the intelligent contract;
the investor wallet application device receives the intelligent contract;
after receiving a confirmation instruction which is provided by an investor and contains the investment amount, the investor wallet application device adds investment confirmation information to the intelligent contract, wherein the information comprises the investment amount, the investor digital signature and investor personal information;
after the investment confirmation information in the intelligent contract is verified by the investment platform, marking the intelligent contract to be effective;
the investor wallet application device pays digital currency to a financer bank wallet account according to the intelligent contract which is in effect; the digital currency is an encryption string that includes an amount of the digital currency, an issuer identification, and an owner identification;
the investor wallet application device, upon payment of the digital currency to the financer bank wallet account in accordance with the intelligent contract being effected, the method further comprising: the investor wallet application device sending a payment request to the investor's bank wallet account; the investor bank wallet account sends a payment request to a digital currency system after receiving the payment request; after the digital currency system accepts the payment request, generating new digital currency with a sponsor identifier, abandoning the original digital currency of the investor and sending the digital currency to the sponsor bank wallet account; the digital currency system returns a payment completion notification to the investor's bank wallet account.
2. The method of claim 1, wherein upon the digital currency system returning the payment completion notification to the investor's bank wallet account, the method further comprises:
the investor bank wallet account sending the payment completion notification to the investor wallet application device;
after receiving the notice, the investor wallet application device sends the payment completion notice to the intelligent contract system;
and the intelligent contract system updates the state of the intelligent contract according to the payment completion notice.
3. The method of claim 1, wherein after the investor wallet application device pays the digital currency to the financer bank wallet account in accordance with the smart contract that has been validated, the method further comprises:
the financer bank wallet account sending an investment-to-account notification to the financer wallet application device upon receipt of the digital currency from the investor;
after receiving the investment income notice, the financer wallet application device sends the investment income notice to the intelligent contract system;
and the intelligent contract system updates the state of the intelligent contract according to the investment income notice.
4. The method of claim 1, wherein the financer wallet application or the investor wallet application pays a commission to the investment platform in accordance with the smart contract before and during payment of the digital currency to the financer bank wallet account in accordance with the smart contract that has been effected.
5. The method of claim 1, further comprising:
when the investor wallet application device pays digital money to the financer bank wallet account according to the validated intelligent contract, the digital money system records the state of the digital money by using a message, and the digital money system provides an inquiry interface of the message.
6. A transaction system for investment financing based on digital currency, comprising:
the investor wallet application module is used for receiving the intelligent contract; after receiving a confirmation instruction which is provided by an investor and contains the investment amount, adding investment confirmation information into the intelligent contract, wherein the information comprises the investment amount, the digital signature of the investor and the individual information of the investor; paying digital currency to a financer bank wallet account module according to the validated intelligent contract; the digital currency is an encryption string that includes an amount of the digital currency, an issuer identification, and an owner identification;
the investment platform module is used for marking the intelligent contract to be effective after the investment confirmation information in the intelligent contract passes verification;
the investor wallet application module is also used for sending a payment request to the investor bank wallet account module;
the investor bank wallet account module is also used for sending a payment request to the digital currency system after receiving the payment request;
the digital currency system is also used for generating new digital currency with a financer mark after accepting the payment request, making the original digital currency of the investor useless and sending the digital currency to the financer bank wallet account module; the digital currency system returns a payment completion notification to the investor's bank wallet account module;
the investment platform module is also used for issuing the intelligent contract on an intelligent contract module;
the system also comprises a financer wallet application module which is used for adding financing request information to the intelligent contract after receiving the intelligent contract, wherein the information comprises financing amount, financer digital signature and financer personal information;
the investment platform module is also used for verifying the financing request information, and if the financing request information passes the verification, an authentication signature is added to the intelligent contract.
7. The system of claim 6, wherein the investor wallet application module is further configured to send the notification to the smart contract module upon receiving the payment completion notification;
the intelligent contract module is also used for updating the state of the intelligent contract according to the payment completion notice;
the investor bank wallet account module is further configured to send the payment completion notification to the investor wallet application module.
8. The system of claim 6, wherein the financer bank wallet account module is further to send an investment-to-account notification to the financer wallet application module upon receipt of the digital currency from the investor;
the financer wallet application module is further used for sending the investment account-posting notice to the intelligent contract module after receiving the investment account-posting notice;
the intelligent contract module is further used for updating the state of the intelligent contract according to the investment accounting notice.
9. The system of claim 6, wherein the financer wallet application module or the investor wallet application module is further configured to pay a commission to the investment platform module in accordance with the smart contract before and during the payment of the digital currency to the financer bank wallet account module in accordance with the smart contract being effected.
10. The system of claim 6, wherein the investor wallet application module, upon payment of the digital currency to the financer bank wallet account module in accordance with the intelligent contract being effected, further comprises:
and the message module is used for recording the state of the digital currency, and the digital currency system is also used for providing an inquiry interface of the message module.
11. A transaction arrangement for investment financing based on digital currency, comprising:
a first receiving unit, configured to receive an intelligent contract; receiving a confirmation instruction which is provided by an investor and contains the investment amount;
the first input unit is used for adding investment confirmation information into the intelligent contract, wherein the information comprises the investment amount, the digital signature of the investor and the personal information of the investor;
the platform unit is used for marking the intelligent contract to be effective after the investment confirmation information in the intelligent contract passes verification;
a first payment unit for paying digital money to a financer bank wallet account according to the intelligent contract that has been validated; the digital currency is an encryption string that includes an amount of the digital currency, an issuer identification, and an owner identification;
the device further comprises:
a first sending unit for sending a payment request to an investor's bank wallet account;
a second transmitting unit for transmitting a payment request to the digital money system;
a money making unit for generating new digital money with a sponsor identifier after the digital money system accepts the payment request, invalidating the digital money originally owned by the investor, and transmitting the digital money to the sponsor bank wallet account;
a central notification unit for the digital currency system to return a payment completion notification to the investor's bank wallet account;
the device further comprises:
the issuing unit is used for receiving and issuing the intelligent contract sent by the platform unit;
a second receiving unit, configured to receive the smart contract;
the second input unit is used for adding financing request information to the intelligent contract, wherein the information comprises financing amount, financing person digital signature and financing person personal information;
the platform unit is also used for verifying the financing request information, and if the financing request information passes the verification, an authentication signature is added to the intelligent contract.
12. The apparatus of claim 11, further comprising:
a first notification unit for the investor's bank wallet account to send the payment completion notification to the investor's wallet application device;
a third notification unit configured to send the payment completion notification to the issuing unit after the investor wallet application device receives the notification;
the issuing unit is further configured to update the state of the smart contract according to the payment completion notification.
13. The apparatus of claim 11, further comprising:
a second notification unit for the financer bank wallet account sending an investment-to-account notification to the financer wallet application device in the event of receipt of the digital currency from the investor;
a fourth notification unit, configured to send the investment posting notification to the issuing unit after the investing posting notification is received by the financer wallet application device;
the issuing unit is also used for updating the state of the intelligent contract according to the investment ledger notification.
14. The apparatus of claim 11, wherein the financer wallet application or the investor wallet application pays a commission to the platform unit in accordance with the smart contract before and during payment of the digital currency to the financer bank wallet account in accordance with the smart contract that has been effected.
15. The apparatus of claim 11, wherein the investor wallet application means, upon payment of the digital currency to the financer bank wallet account in accordance with the intelligent contract being effected, further comprises:
and the message unit is used for recording the state of the digital currency, and the digital currency system is also used for providing an inquiry interface of the message unit.
16. A computer-readable storage medium having computer instructions stored thereon, the computer instructions being executable by a computer or a computer system to cause the computer or computer system to perform the method of any one of claims 1 to 5.
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| CN108257000A (en) * | 2018-02-26 | 2018-07-06 | 北京阿尔山金融科技有限公司 | Intelligent contract realizes system, method and electronic equipment |
| CN108846651A (en) * | 2018-05-28 | 2018-11-20 | 数字乾元科技有限公司 | Virtual credit card method of commerce and system based on digital cash |
| 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 |
| WO2022262527A1 (en) * | 2021-06-16 | 2022-12-22 | 中国人民银行数字货币研究所 | Digital currency-based payment method, platform, terminal, and payment system |
| CN113537958A (en) * | 2021-07-12 | 2021-10-22 | 北京极智数仓科技有限公司 | Transaction method, system, medium and transaction system based on digital currency |
| WO2024012427A1 (en) * | 2022-07-11 | 2024-01-18 | 中国人民银行数字货币研究所 | Digital currency-based prepayment fund management method, apparatus and system |
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| CN106651331B (en) * | 2016-12-22 | 2019-11-29 | 飞天诚信科技股份有限公司 | A kind of electronic trade method and system based on digital cash |
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