CN107358521B - Method and system for exchanging deposit with digital currency - Google Patents
Method and system for exchanging deposit with digital currency Download PDFInfo
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- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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Abstract
The invention provides a method and a system for exchanging deposit with digital currency, which are used as supplements for the return of the digital currency, and banks can exchange the deposit into the same industry deposit to other banks needing the digital currency without returning through a digital currency issuer, thereby being beneficial to the application and popularization of the digital currency. The method of the invention comprises the following steps: the participating bank system sends a message for exchanging deposit by using the digital currency to the agent bank system, and sends a message for paying the digital currency to the agent bank to the digital currency system; the digital currency system executes the operation of the preset project according to the message for paying the digital currency to the agent bank and returns the successful operation result to the participating bank system and the agent bank system; and after the agent bank system receives the successful operation result sent by the digital currency system, adding a limit equal to the received digital currency amount in the peer account deposit balance of the agent bank by the participating bank, and returning the result representing the successful conversion to the participating bank system.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a system for exchanging digital currency for deposit.
Background
The current inter-bank fund clearing system is divided into two types: one is a central clearing network and the other is a transit clearing network. The central clearing network has a centralized clearing organization, and the direct clearing bank has a settlement account opened in the clearing organization and is connected with the clearing organization system to realize message transmission. The clearing institution is responsible for processing clearing messages and settling funds between direct clearing banks. The switching clearing network takes SWIFT as a representative, the network settles accounts on the basis of the same-industry accounts between banks, and if the same-industry accounts are not directly opened between the two banks, the settlement is indirectly carried out through the same-industry accounts through other banks. The existing settlement system between banks lacks a point-to-point direct settlement path, has a long fund transfer path, is difficult to guarantee timeliness and high in cost, and particularly has more obvious problems in the existing settlement system between banks in a cross-border settlement environment.
In recent years, digital money has been popular, and some types of digital money (also referred to as "virtual money") including bitcoin are applied first in private departments, and since such digital money has a risk that it is difficult to recoup money due to theft of money assets due to leakage of a private key, there is no guarantee of value, and problems such as illegal crime and financial risk are caused, legal digital money has been produced. The legal digital currency is digital currency which is guaranteed by national credit and is promoted to be issued by the central bank, but for the existing bank-to-bank fund clearing network, the digital currency cannot be used as a settlement tool to realize the integration and complementation with the existing fund settlement system, so that the bank can settle by the original settlement network, can also settle by the digital currency or adopt a mixed mode to settle.
In summary, the following problems mainly exist in the existing bank clearing system:
1. the existing settlement system between banks lacks a point-to-point direct settlement channel, and particularly under a cross-border settlement environment, the fund transfer path is long, the timeliness is difficult to guarantee, and the cost is high.
2. On the basis of the existing bank clearing network, digital currency cannot be used as a settlement tool, so that the bank can settle accounts by using the original settlement network, can also settle accounts by using the digital currency, or adopts a mixed mode to settle accounts.
Disclosure of Invention
In view of the above, the present invention provides a method and system for exchanging a deposit with digital currency, which is used as a supplement to the digital currency recycling, a bank can exchange the deposit with other banks requiring digital currency instead of recycling the deposit through a digital currency issuer, thereby expanding the application range of the digital currency and being beneficial to the application and popularization of the digital currency.
To achieve the above objects, according to one aspect of the present invention, there is provided a method of exchanging credit for digital currency.
The method of the present invention for exchanging credit with digital currency comprises: the participating bank system sends a message for exchanging deposit by using the digital currency to the agent bank system, and sends a message for paying the digital currency to the agent bank to the digital currency system; the digital currency system executes the operation of a preset project according to the message for paying the digital currency to the agent bank, and returns the successful operation result to the participating bank system and the agent bank system, wherein the operation of the preset project comprises the step of transferring the digital currency of the participating bank to the agent bank; and after the agent bank system receives the successful operation result sent by the digital currency system, adding a limit equal to the received digital currency amount in the peer account deposit balance of the agent bank by the participating bank, and returning the result representing the successful conversion to the participating bank system.
Optionally, the step of the digital money system transferring the digital money of the participating bank to the agent bank comprises: the digital currency system determines the digital currency to be received according to the received message for paying the digital currency to the agency bank; the digital currency system invalidates the digital currency to be received, and generates digital currency with the same amount as the invalidated digital currency according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from small to large; the digital currency system records the owner identification of the generated digital currency as the proxy bank.
Optionally, the step of the digital currency system invalidating the digital currency required to be received comprises: the digital currency system records the status of digital currency that needs to be received as destroyed.
Optionally, the digital currency is a cryptographic string comprising an amount of the digital currency, an issuer identification and an owner identification.
According to another aspect of the invention, a system for exchanging deposits with digital currency is provided.
The system for exchanging credit with digital currency of the present invention comprises: a participating bank system, an agent bank system, and a digital currency system; the system comprises a participating bank system, an agent bank system and a client bank system, wherein the participating bank system is used for sending a message for exchanging and depositing by using digital currency to the agent bank system and receiving a result which represents successful exchange and is sent by the agent bank system; the agent bank system is used for adding a limit equal to the received digital currency amount in the peer account deposit balance of the agent bank by the participating bank after receiving the result of successful representation transfer and returning the result of successful representation exchange to the participating bank system; and the digital currency system is used for executing the operation of a preset item according to the message for paying the digital currency to the agent bank and returning the successful operation result to the participating bank system and the agent bank system, wherein the operation of the preset item comprises the step of transferring the digital currency of the participating bank to the agent bank.
Optionally, the digital currency system is further configured to: determining the digital currency to be received according to the received message for paying the digital currency to the agency bank; the digital currency required to be received is voided, and digital currency with the same amount as the voided digital currency is generated according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from small to large; recording the owner identification of the generated digital currency as the proxy line.
Optionally, the digital currency system is further configured to: the status of the digital currency desired to be received is recorded as destroyed.
Optionally, the digital currency is a cryptographic string comprising an amount of the digital currency, an issuer identification and an owner identification.
According to yet another aspect of the present invention, a computer-readable storage medium is provided.
The computer-readable storage medium of the present invention, having computer instructions stored thereon, is characterized in that the computer instructions are executable by a computer or a computer system, thereby enabling the computer or the computer system to execute the method for exchanging credit with digital currency provided by the present invention.
According to the technical scheme of the embodiment of the invention, as the settlement method of the digital currency is added, the digital currency can be adopted for point-to-point settlement, so that the settlement path is short, the time efficiency is high, and particularly in cross-border settlement, the bank settlement efficiency can be improved and the cost can be reduced; on the other hand, the traditional settlement method between banks and the settlement method of the digital currency are integrated, so that the bank burden is not increased, the digital currency is not required to be received by the payment and receipt party, the flexibility of bank settlement selection is improved, the application range of the digital currency is expanded, and the application and popularization of the digital currency are facilitated.
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 a method of converting credit in digital currency, in accordance with an embodiment of the invention;
fig. 2 is a schematic diagram of a system for exchanging deposits with digital currency in accordance with an embodiment of 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.
After digital currency is introduced into the existing bank settlement network, three different roles, agent, participating, and non-participating, are created;
the agent bank is a bank which can directly ask and pay digital currency for the digital currency system, and the agent bank provides digital currency conversion service for other non-agent banks.
The participating bank refers to a bank that obtains digital money from the agent bank and participates in the circulation of the digital money, and the participating bank exchanges the digital money with the agent bank through a corporate account at the agent bank.
Non-participating rows refer to banks that temporarily do not use digital currency.
The agent bank, the participating bank and the non-participating bank all have computer systems for processing transactions, and in the embodiment of the invention, the agent bank system is a computer system for processing transactions by the agent bank; the participating bank system is a computer system that processes transactions for participating banks.
Digital currency is a cryptographic string that includes the amount of the digital currency, an issuer identification, and an owner identification. The specific technical scheme is as follows.
Fig. 1 is a schematic diagram of a method of converting credit with digital currency in accordance with an embodiment of the invention. As shown in fig. 1, the method of exchanging credit for digital currency of the embodiment of the present invention mainly includes steps S10 to S12.
Step S10: the participating bank system sends messages to the broker bank system using the digital currency exchange deposit and messages to the broker bank to pay for the digital currency.
Step S11: and the digital currency system executes the operation of a preset item according to the message for paying the digital currency to the agent bank, and returns the successful operation result to the participating bank system and the agent bank system, wherein the operation of the preset item comprises the step of transferring the digital currency of the participating bank to the agent bank. In step S11, the specific steps mentioned for transferring the digital money of the participating line to the agent line include steps S111 to S113:
step S111: and the digital currency system determines the digital currency to be received according to the received message for paying the digital currency to the agency.
Step S112: the digital currency system invalidates the digital currency to be received (namely records the state of the digital currency to be received as destruction), and generates digital currency with the same amount as the invalidated digital currency according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; at most digital currency strategies: the digital currency system generates digital currency equal to the amount of the voided digital currency according to the statutory amount from small to large. For example, when the amount of digital money to be generated is 120, a digital money with a denomination of 100 and a digital money with a denomination of 20 are generated from large to small according to the legal amount; when the preset matching strategy is the maximum digital currency strategy, the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from small to large, for example, the amount of the digital currency to be generated is 5, and then, according to the maximum digital currency strategy, 5 pieces of digital currency with the currency value of 1 are generated.
Step S113: the digital currency system records the owner identification of the generated digital currency as the proxy bank. In this step, when the digital currency system records the owner identification as an agent line, it indicates that the transfer of digital currency is complete.
After completing the digital currency conversion, the digital currency system returns the successful operation result to the participating bank system and the agent bank system; the successful operation result comprises an operation result returned to the participation line system and an operation result returned to the agent line system; the result returned to the participating bank system includes execution result information of the payment; the results returned to the agent line system include the transferred digital currency and participating line information, among others.
Step S12: and after the agent bank system receives the successful operation result sent by the digital currency system, adding a limit equal to the received digital currency amount in the peer account deposit balance of the agent bank by the participating bank, and returning the result representing the successful conversion to the participating bank system.
Fig. 2 is a schematic diagram of a system for exchanging deposits with digital currency in accordance with an embodiment of the present invention. As shown in fig. 2, the system 20 for exchanging deposits with digital currency of the embodiment of the present invention mainly includes: a participating line system 21, an agent line system 22, and a digital currency system 23; the participating bank system 21 is used for sending messages for using the digital currency conversion deposit to the agent bank system 22, sending messages for paying the digital currency to the agent bank to the digital currency system 23, and receiving results which are sent by the agent bank system 22 and represent the conversion success; the agency system 22 is used for adding an amount equal to the received digital currency amount in the equity account deposit balance of the agency of the participating bank after receiving the result representing the successful transfer, and returning the result representing the successful exchange to the participating bank system 21; the digital currency system 23 is configured to execute an operation of a preset item according to the message for paying the digital currency to the agent bank, and return a successful operation result to the participating bank system 21 and the agent bank system 22, where the operation of the preset item includes transferring the digital currency of the participating bank to the agent bank.
The digital currency system 23 of the system 20 for converting credit in digital currency may also be used to: determining the digital currency to be received according to the received message for paying the digital currency to the agency bank; the digital currency required to be received is voided, and digital currency with the same amount as the voided digital currency is generated according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: generating digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; the most digital currency strategy is: generating digital currency with the same amount as the invalid digital currency according to the legal amount from small to large; recording the owner identification of the generated digital currency as the proxy line.
The digital currency system 23 of the system 20 for converting credit in digital currency may also be used to: the status of the digital currency desired to be received is recorded as destroyed.
According to the technical scheme of the embodiment of the invention, as the supplement of the digital currency refund, a bank can exchange the digital currency into the same-industry deposit to other banks needing the digital currency without refunding through a digital currency issuer, so that the application range of the digital currency is expanded, and the application and popularization of the digital currency are facilitated.
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 (7)
1. A method of exchanging credit for digital currency, comprising:
the participating bank system sending a message to the agent bank system for converting the deposit using the digital currency and sending a message to the agent bank for paying the digital currency to the digital currency system, the digital currency being a cryptographic string including an amount of the digital currency, an issuer identification and an owner identification;
the digital currency system executes the operation of a preset project according to the message for paying the digital currency to the agent bank, and returns the successful operation result to the participating bank system and the agent bank system, wherein the operation of the preset project comprises the step of transferring the digital currency of the participating bank to the agent bank;
and after the agent bank system receives the successful operation result sent by the digital currency system, adding a limit equal to the received digital currency amount in the peer account deposit balance of the agent bank by the participating bank, and returning the result representing the successful conversion to the participating bank system.
2. The method of claim 1, wherein the step of the digital money system transferring the digital money of the participating bank to the agent bank comprises:
the digital currency system determines the digital currency to be received according to the received message for paying the digital currency to the agency bank;
the digital currency system invalidates the digital currency to be received, and generates digital currency with the same amount as the invalidated digital currency according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from small to large;
the digital currency system records the owner identification of the generated digital currency as the proxy bank.
3. The method of claim 2, wherein the step of the digital currency system voiding the desired received digital currency comprises:
the digital currency system records the status of digital currency that needs to be received as destroyed.
4. A system for exchanging credit in digital currency, comprising: a participating bank system, an agent bank system, and a digital currency system;
the system comprises a participating bank system, an agent bank system and a client system, wherein the participating bank system is used for sending a message for exchanging deposit by using digital currency to the agent bank system and receiving a result which represents successful exchange and is sent by the agent bank system, the digital currency is an encrypted string, and the encrypted string comprises the amount of the digital currency, an issuer identification and an owner identification;
the agent bank system is used for adding a limit equal to the received digital currency amount in the peer account deposit balance of the agent bank by the participating bank after receiving a result representing successful transfer, and returning the result representing successful exchange to the participating bank system;
the digital currency system is used for executing the operation of a preset project according to the message of paying the digital currency to the agent bank and returning the successful operation result to the participating bank system and the agent bank system, wherein the operation of the preset project comprises the step of transferring the digital currency of the participating bank to the agent bank.
5. The system of claim 4, wherein the digital currency system is further configured to:
determining the digital currency to be received according to the received message for paying the digital currency to the agency bank;
the digital currency required to be received is voided, and digital currency with the same amount as the voided digital currency is generated according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from small to large;
recording the owner identification of the generated digital currency as the proxy line.
6. The system of claim 5, wherein the digital currency system is further configured to:
the status of the digital currency desired to be received is recorded as destroyed.
7. 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 4.
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| CN109191123B (en) * | 2018-08-10 | 2022-08-12 | 中国人民银行数字货币研究所 | Digital currency agency issuing limit control system and method |
| CN111427956A (en) * | 2020-03-26 | 2020-07-17 | 中国建设银行股份有限公司 | Digital asset clearing method and device based on block chain |
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| CN105069685A (en) * | 2015-08-05 | 2015-11-18 | 杭州呯嘭智能技术有限公司 | Internet-based currency exchange and settlement method and system |
| CN106779696B (en) * | 2016-11-29 | 2020-09-29 | 晋商博创（北京）科技有限公司 | CPK-based digital bank and digital currency and payment method |
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| 法定数字货币网方案研究;周文丹;《电脑编程技巧与维护》;20170218;19-21 * |
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