CN107358522A - One kind exchanges digital cash method and system with deposit - Google Patents
One kind exchanges digital cash method and system with deposit Download PDFInfo
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- CN107358522A CN107358522A CN201710495447.4A CN201710495447A CN107358522A CN 107358522 A CN107358522 A CN 107358522A CN 201710495447 A CN201710495447 A CN 201710495447A CN 107358522 A CN107358522 A CN 107358522A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/381—Currency conversion
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Abstract
The present invention deposits for one kind and exchanges digital cash method and system, bank be able to not please be led by digital cash issuer, and to other banks of neck digital cash can be asked to be exchanged with banker's deposit, digital cash application is expanded, is advantageous to digital cash application.The method that digital cash is exchanged with deposit of the present invention includes：Participate in row system and the message for exchanging digital cash is sent to agency's system；Agency's system reduces the amount equal with redemption amount in the message from row is participated in the balance of deposits of the account of the same trade or business of agency, and payment request message is generated according to the amount reduced in the balance of deposits, and payment request message is sent to digital coin systems；Digital coin systems perform the operation of preset term according to the payment request message, and will operate successful result and return to participation row system and agency's system；Agency's system will characterize the successful information of exchange and return to participation row system after the successful result of operation received.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of deposit exchange digital cash method and system.
Background technology
It is divided into two kinds between current bank in fund clearing system：One kind is central Settlement Network Problem by Using, and one kind is switching clearance net
Network.Central Settlement Network Problem by Using has the liquidation organization of a concentration, and settlement accounts has been opened in direct clearing bank in liquidation organization, and with
Liquidation organization's system docking realizes message transmissions.Liquidation organization is responsible for clearance Message processing and fund between direct clearing bank
Clearing.Transfer Settlement Network Problem by Using using SWIFT as representative, the network be rely on bank between account of the same trade or business based on settled accounts,
If not opening account of the same trade or business directly between Liang Jia banks, then need to be tied indirectly by account of the same trade or business by other banks
Calculate.The existing clearing system of interbank lacks point-to-point directly clearing path, and allocation of the funds path is longer, ageing to be difficult to protect
Barrier, cost are high, more obvious the problem of interbank existing clearing system especially under cross-border clearing environment.
In recent years, digital cash upsurge is risen, and some class digital cash using bit coin as representative (or are referred to as " virtual
Currency ") take the lead in being applied in private sector, due to this digital cash can exist private key leakage cause monetary assets stolen and
It is difficult to the risk of recovery, without value assurance, can also triggers and break laws and commit crime and the problems such as financial risks, thus, legal digital goods
Coin arises at the historic moment.Legal digital cash is the digital cash for promoting distribution by Central Bank using state credit as guarantee, still, for
For existing interbank fund clearing network, it can not be realized and existing fund knot using digital cash as a kind of means of account settlement
Calculation system blends and complementation, bank is settled accounts with original settlement network, can also be settled accounts with digital cash, or
Person is settled accounts by the way of mixing.
In summary, it is primarily present problems with existing bank clearing system：
1. the existing clearing system of interbank lacks point-to-point directly clearing path, especially under cross-border clearing environment,
Allocation of the funds path is longer, it is ageing be difficult to ensure, cost it is high.
2., can not be using digital cash as a kind of means of account settlement so that bank can on existing bank clearing network foundation
It to be settled accounts with original settlement network, can also be settled accounts with digital cash, or be settled accounts by the way of mixing.
The content of the invention
In view of this, the present invention deposits for one kind and exchanges digital cash method and system, digital cash can be used as to send out
Capable supplement, bank be able to not please be led by digital cash issuer, and to can ask neck digital cash other banks use
Banker's deposit is exchanged, and obtains digital cash indirectly, is expanded the application of digital cash, is advantageous to digital cash application and pushes away
Extensively.
To achieve the above object, according to an aspect of the invention, there is provided a kind of exchange digital cash method with deposit.
The method that digital cash is exchanged with deposit of the present invention includes：Row system is participated in send out the message for exchanging digital cash
Give agency；The message includes redemption amount；Deposit of agency's system from the capable account of the same trade or business in agency of participation
The amount equal with the redemption amount is reduced in remaining sum, and payment request report is generated according to the amount reduced in the balance of deposits
Text, and payment request message is sent to digital coin systems；Digital coin systems perform according to the payment request message
The operation of preset term, and successful result will be operated and return to participation row system and agency's system, the preset term
Operation includes the digital cash of agency being transferred to participation row；Agency's system is in the successful result of operation received
Afterwards, the successful information of exchange will be characterized and returns to participation row system.
Alternatively, agency's system from participate in row reduce in the balance of deposits of the account of the same trade or business of agency with it is described
In message the step of redemption amount equal amount before, in addition to：Agency's system determines the row that participates in the generation
The balance of deposits for managing the account of the same trade or business of row is not less than the redemption amount.
Alternatively, the digital cash of agency is transferred to the capable step of participation and included by the digital coin systems：Numeral
Payment amount of the money-system in the payment request message received, is determined from the digital cash of the agency
Need the digital cash paid；The amount of money and the Payment Amount for the digital cash that digital coin systems are paid required for it
Between relation determine the transfer mode of digital cash；The digital cash transfer mode includes：Direct transfer mode, merge transfer
Pattern and fractionation transfer mode；The number that digital coin systems pay the needs according to the digital cash transfer mode
Word currency is transferred to participation row.
Alternatively, the digital coin systems determine to need the digital cash paid from the digital cash of the agency
The step of before, in addition to：Digital coin systems determine the amount of money of the digital cash of the agency not less than the payment gold
Volume.
Alternatively, the amount of money and the Payment Amount for the digital cash that the digital coin systems are paid required for it
Between relation the step of determining the transfer mode of digital cash include：Step A：Digital coin systems judge the required numeral paid
Whether the amount of money of currency is more than the Payment Amount, if, it is determined that the transfer mode of digital cash is fractionation transfer mode；It is no
Then, step B is performed；Step B：Whether digital coin systems judge legal comprising that can be merged into the required digital cash paid
The digital cash of the amount of money, if, it is determined that the transfer mode of digital cash is merging transfer mode；Otherwise, it determines digital cash
Transfer mode be direct transfer mode.
Alternatively, in the case of it is determined that the transfer mode of the digital cash is direct transfer mode, the digital goods
The step that the digital cash for needing to pay is transferred to participation row according to the digital cash transfer mode by coin system includes：
Digital coin systems cancel the identified digital cash for needing to pay, while generate equal with the cancelled digital cash amount of money
Digital cash；Owner's identification record of the digital cash of generation is participated in going by digital coin systems to be described.
Alternatively, in the case of it is determined that the transfer mode of the digital cash is to merge transfer mode, the digital goods
The step that the digital cash for needing to pay is transferred to participation row according to the digital cash transfer mode by coin system includes：
Digital coin systems cancel the identified digital cash for needing to pay, and according to preset matching strategy generating and cancel numeral
The equal digital cash of amount of currency；The preset matching strategy includes：Minimum digital cash strategy and most digital cash plans
Slightly；The minimum digital cash strategy is：According to the legal amount of money from big to small, generation cancels numeral to digital coin systems with described
The equal digital cash of amount of currency；Most digital cash strategies are：Digital coin systems from small to large, are given birth to according to the legal amount of money
Into the digital cash equal with the calcellation digital cash amount of money；Digital coin systems mark the owner of the digital cash of generation
Knowledge is recorded as the participation row.
Alternatively, in the case of it is determined that the transfer mode of the digital cash is to split transfer mode, the digital goods
The step that the digital cash for needing to pay is transferred to participation row according to the digital cash transfer mode by coin system includes：
Digital coin systems cancel the identified digital cash for needing to pay；Digital coin systems generate and the Payment Amount phase
Deng digital cash, and by owner's identification record of the digital cash equal with Payment Amount for participate in go；Digital cash
The difference between the digital cash that pays and the Payment Amount, generation and the numeral of the difference single-candidate are needed described in system-computed
Currency, and will generate with owner's identification record of the digital cash of difference single-candidate is agency.
Alternatively, the step of digital coin systems cancel the identified digital cash for needing to pay includes：Number
The state recording for the digital cash for determining to cancel is destruction by word money-system.
Alternatively, digital coin systems, which generate the step of equal with Payment Amount digital cash, includes：Digital goods
Coin system is according to the preset matching strategy generating digital cash equal with the Payment Amount；The preset matching strategy includes：
Minimum digital cash strategy and most digital cash strategies；The minimum digital cash strategy is：Digital coin systems are according to method
Deposit volume from big to small, generates the digital cash equal with the Payment Amount；Most digital cash strategies are：Digital cash system
System from small to large, generates the digital cash equal with the Payment Amount according to the legal amount of money.
Alternatively, digital coin systems generation and the difference single-candidate digital cash the step of include：Digital coin systems
According to preset matching strategy generating and the digital cash of the difference single-candidate；The preset matching strategy includes：Minimum digital goods
Coin strategy and most digital cash strategies；The minimum digital cash strategy is：Digital coin systems are according to the legal amount of money from big
To small, generation and the digital cash of the difference single-candidate；Most digital cash strategies are：Digital coin systems are according to the legal amount of money
From small to large, generation and the digital cash of the difference single-candidate.
Alternatively, the digital cash is encryption word string, and the encryption word string includes the amount of money of the digital cash, distribution
Side's mark and owner's mark.
According to another aspect of the present invention, there is provided one kind exchanges digital coin systems with deposit.
The system that digital cash is exchanged with deposit of the present invention includes：Participate in row system, agency's system and digital goods
Coin system；The participation row system, for the message for exchanging digital cash to be sent into agency's system, and Receiving Agent row
The successful result of operation that system returns；Agency's system, for receiving the message of the exchange digital cash, from participation
Row reduces the amount equal with the redemption amount in the balance of deposits of the account of the same trade or business of agency, and according in the balance of deposits
The amount generation payment request message reduced, and payment request message is sent to digital coin systems, and receiving
The successful result of operation after, will characterize to exchange successful information and return to and participate in row system；The digital coin systems, are used for
The operation of preset term is performed according to the payment request message, and successful result will be operated and return to participation row system and generation
Row system is managed, the operation of the preset term includes the digital cash of agency being transferred to participation row.
Alternatively, agency's system is additionally operable to：Determine the deposit for participating in going in the account of the same trade or business of the agency
Remaining sum is not less than the redemption amount.
Alternatively, the digital coin systems are additionally operable to：According to the payment amount in the payment request message received
Degree, determine to need the digital cash paid from the digital cash of the agency；According to the digital cash of required payment
Relation between the amount of money and the Payment Amount determines the transfer mode of digital cash；The digital cash transfer mode includes：
Direct transfer mode, merge transfer mode and split transfer mode；According to the digital cash transfer mode by the needs
The digital cash of payment is transferred to participation row.
Alternatively, digital coin systems are additionally operable to：Determine that the amount of money of the digital cash of the agency is paid not less than described
The money amount of money.
Alternatively, digital coin systems are additionally operable to determine the transfer mode of digital cash according to following steps：Step A：Sentence
Whether the amount of money of the digital cash paid needed for disconnected is more than the Payment Amount, if, it is determined that the transfer mode of digital cash
To split transfer mode；Otherwise, step B is performed；Step B：Whether included in the digital cash paid needed for judging can merge
Into the digital cash of the legal amount of money, if, it is determined that the transfer mode of digital cash is merging transfer mode；Otherwise, it determines number
The transfer mode of word currency is direct transfer mode.
Alternatively, in the case of it is determined that the transfer mode of the digital cash is direct transfer mode, the digital goods
Coin system is additionally operable to：The identified digital cash for needing to pay is cancelled, while generated and cancelled digital cash amount of money phase
Deng digital cash；Owner's identification record of the digital cash of generation is participated in going to be described.
Alternatively, in the case of it is determined that the transfer mode of the digital cash is to merge transfer mode, the digital goods
Coin system is additionally operable to：The identified digital cash for needing to pay is cancelled, according to preset matching strategy generating and cancels number
The equal digital cash of word amount of currency；The preset matching strategy includes：Minimum digital cash strategy and most digital cash
Strategy；The minimum digital cash strategy is：Digital coin systems from big to small, generate and the calcellation number according to the legal amount of money
The equal digital cash of word amount of currency；Most digital cash strategies are：Digital coin systems according to the legal amount of money from small to large,
Generate the digital cash equal with the calcellation digital cash amount of money；It is institute by owner's identification record of the digital cash of generation
State participation row.
Alternatively, in the case of it is determined that the transfer mode of the digital cash is to split transfer mode, the digital goods
Coin system is additionally operable to：The identified digital cash for needing to pay is cancelled；The generation digital goods equal with the Payment Amount
Coin, and owner's identification record of the digital cash equal with Payment Amount is gone for participation；Calculate what the needs were paid
Difference between digital cash and the Payment Amount, generation and the digital cash of the difference single-candidate, and will generation and difference
Owner's identification record of the digital cash of single-candidate is agency.
Alternatively, the digital coin systems are additionally operable to：State recording by the digital cash for determining to cancel is destruction.
Alternatively, digital coin systems are additionally operable to according to the preset matching strategy generating numeral equal with the Payment Amount
Currency；The preset matching strategy includes：Minimum digital cash strategy and most digital cash strategies；The minimum digital cash
Strategy is：Digital coin systems from big to small, generate the digital cash equal with the Payment Amount according to the legal amount of money；At most
Digital cash strategy is：Digital coin systems from small to large, generate the numeral equal with the Payment Amount according to the legal amount of money
Currency.
Alternatively, digital coin systems are additionally operable to：According to preset matching strategy generating and the digital goods of the difference single-candidate
Coin；The preset matching strategy includes：Minimum digital cash strategy and most digital cash strategies；The minimum digital cash plan
Slightly it is：According to the legal amount of money from big to small, generation and the described and digital cash of difference single-candidate；Most digital cash strategies are：
According to the legal amount of money from small to large, generation and the digital cash of the difference single-candidate.
Alternatively, the digital cash is encryption word string, and the encryption word string includes the amount of money of the digital cash, distribution
Side's mark and owner's mark.
According to a further aspect of the invention, there is provided a kind of computer-readable recording medium.
The computer-readable recording medium of the present invention, computer instruction is stored with the computer-readable recording medium,
Characterized in that, the computer instruction can be run by computer or computer system, so that the computer or computer
System is able to carry out the method provided by the present invention that digital cash is exchanged with deposit.
Technical scheme according to embodiments of the present invention, due to adding the settlement method of digital cash, numeral can be used
Currency carries out point-to-point clearing so that the paths of clearing is short, timeliness is fast, especially in cross-border clearing, it is possible to increase bank ties
Calculate efficiency and reduce cost；On the other hand, interbank tradition clearing form is merged with the clearing form of digital cash,
Do not increase bank's burden, do not force bank settlement side all to receive digital cash, improve the flexibility of bank settlement selection, expand
The application of digital cash, is advantageous to digital cash application.
Further effect adds hereinafter in conjunction with embodiment possessed by above-mentioned non-usual optional mode
With explanation.
Brief description of the drawings
Accompanying drawing is used to more fully understand the present invention, does not form inappropriate limitation of the present invention.Wherein：
Fig. 1 is a kind of schematic diagram of method that digital cash is exchanged with deposit according to embodiments of the present invention；
Fig. 2 is a kind of schematic diagram of system that digital cash is exchanged with deposit according to embodiments of the present invention.
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, the description to known function and structure is eliminated in following description.
After digital cash is introduced into existing bank settlement network, three kinds of different roles are generated, agency,
Participate in row and non-participating row；
Wherein, agency is the bank that directly can please lead and pay digital cash to digital coin systems, act of agency
Other non-proxy rows provide digital cash conversion services.
Participate in row refers to obtain digital cash from agency, and participate in digital cash circulation bank, participate in row by
The account of the same trade or business of agency, digital cash is exchanged to agency.
Non-participating row refers to temporarily without using the bank of digital cash.
Agency, the computer system that row and non-participating row have processing to merchandise is participated in, in embodiments of the present invention,
Agency's system is the computer system of agency's processing transaction；Row system is participated in participate in the department of computer science of row processing transaction
System.
Digital cash is encryption word string, and the encryption word string includes the amount of money of the digital cash, publisher's mark and owned
Person identifies.Specific technical scheme is as described below.
Fig. 1 is a kind of schematic diagram of method that digital cash is exchanged with deposit according to embodiments of the present invention.Such as Fig. 1 institutes
Show, the method that digital cash is exchanged with deposit of the embodiment of the present invention mainly includes step S10 to S13.
Step S10：Participate in row system and the message for exchanging digital cash is sent to agency's system.In this step, institute
The message mentioned includes redemption amount.
Step S11：Agency's system is reduced in the balance of deposits of the account of the same trade or business of agency from participation row and converted with described
Change the equal amount of the amount of money, and payment request message is generated according to the amount reduced in the balance of deposits, and by payment request report
Text is sent to digital coin systems.In this step, agency depositing in system from account of the same trade or business of the row in the agency is participated in
Before being withholdd in money remaining sum, first determine whether to participate in go the exchange whether balance of deposits in account of the same trade or business is not less than in message
The amount of money, if it is, the amount equal with redemption amount is reduced in the account of the same trade or business for participating in row, then by payment request message
Issue digital coin systems；Otherwise, the result that sign can not be exchanged to digital cash returns to participation row system.
Step S12：Digital coin systems according to the payment request message perform preset term operation, and will operation into
The result of work(, which returns to, participates in row system and agency's system.In step s 12, the digital cash by agency being previously mentioned turns
Move includes step S121 to S123 to the specific step for participating in row：
Step S121：Payment amount of the digital coin systems in the payment request message received, from described
Determine to need the digital cash paid in the digital cash of agency.Before this step, digital coin systems judge agency
Digital cash the amount of money whether be not less than payment request message in Payment Amount, if it is, continuing executing with subsequent step；
Otherwise, the information that will be unable to payout figure currency returns to agency's system.
Step S122：Between the amount of money and the Payment Amount of the digital cash that digital coin systems are paid required for
Relation determine the transfer mode of digital cash.Wherein, the digital cash transfer mode being previously mentioned includes：Direct transfer mode,
Merge transfer mode and split transfer mode；The amount of money of the digital cash paid required for step S121 is determined is not less than
On the basis of Payment Amount, in step S122, the relation between the amount of money and Payment Amount of the digital cash of required payment
Including：The amount of money of the digital cash of required payment is equal to more than the amount of money of Payment Amount and the digital cash of required payment to be paid
The money amount of money, accordingly, it is determined that the transfer mode of digital cash comprises the following steps that：
Step A：Digital coin systems judge whether the amount of money of the required digital cash paid is more than the Payment Amount, if
It is, it is determined that the transfer mode of digital cash is fractionation transfer mode；Otherwise, step B is performed；
Step B：Whether digital coin systems, which judge to include in the required digital cash paid, can be merged into the legal amount of money
Digital cash, if, it is determined that the transfer mode of digital cash for merge transfer mode；Otherwise, it determines digital cash turns
Mode shifter is direct transfer mode.
Step S123：The digital cash that digital coin systems pay the needs according to the digital cash transfer mode
It is transferred to participation row.In the case of it is determined that the transfer mode of the digital cash is direct transfer mode, digital coin systems
The identified digital cash for needing to pay is cancelled into (that is, being destruction by the state recording for the digital cash for determining to cancel),
The digital cash equal with the cancelled digital cash amount of money, then owner's identification record by the digital cash of generation are generated simultaneously
Row is participated in be described.For example, the Payment Amount in payment request message is 150, the required payment that digital coin systems determine
Digital cash is respectively the digital cash that the digital cash that a value of money is 100 and a value of money are 50, then digital cash system
System cancels identified digital cash, then regenerates the digital cash that a value of money is 100 and value of money is 50, and will generation
Digital cash owner's identification record to participate in going, wherein, although the value of money of the digital cash generated and being cancelled
The value of money size of digital cash is the same, but digital cash is different encryption word strings from the digital cash cancelled.Digital cash
After system completes currency transfer in this mode, successful result will be operated and return to participation row system and agency's system；Its
In, operating successful result includes returning to the operating result for participating in row system and the operating result for returning to agency's system；
Returning to the operating result of participation row system includes the digital cash after transfer and information of agency etc.；Return to system of agency
The operating result of system includes the execution result information paid.
It is determined that the digital cash transfer mode for merge transfer mode in the case of, digital coin systems by really
The digital cash that fixed needs are paid cancels (that is, being destruction by the state recording for the digital cash for determining to cancel), according to pre-
If matching strategy generates the digital cash equal with the cancelled digital cash amount of money, then the owner of the digital cash of generation is marked
Knowledge is recorded as the participation row.Wherein, preset matching strategy includes：Minimum digital cash strategy and most digital cash strategies：
The minimum digital cash strategy is：According to the legal amount of money from big to small, generation cancels digital goods to digital coin systems with described
The equal digital cash of the coin amount of money；Most digital cash strategies are：Digital coin systems from small to large, generate according to the legal amount of money
The digital cash equal with the calcellation digital cash amount of money.Merge transfer mode, i.e., the required branch that digital coin systems determine
The digital cash paid includes the digital cash of energy and the into legal amount of money, for example, the required payment that digital coin systems determine
Digital cash is the digital cash that a value of money is 100, the digital cash that two values of money are 10, and the branch in payment request message
It is 120 to pay the amount of money, then it is determined that required payment two values of money including of digital cash be 10 digital cash can be with
The digital cash that one value of money of synthesis is 20, therefore, digital coin systems first cancel the digital cash of the required payment of determination,
The digital cash that a value of money is 100 and the digital cash that a value of money is 20 are regenerated, and by the institute of the digital cash of generation
The person's of having identification record is gone for participation.Digital coin systems can be according to minimum digital cash strategy during digital cash is generated
With most digital cash strategy generating digital cash；When preset matching strategy is minimum digital cash strategy, digital cash system
System from big to small, generates the digital cash equal with the calcellation digital cash amount of money, for example, working as needs to give birth to according to the legal amount of money
Into the amount of money of digital cash be 120 when, that is, generate the digital cash that value of money is 100 according to the legal amount of money from big to small
With the digital cash that a value of money is 20；When preset matching strategy is most digital cash strategies, digital coin systems according to
The legal amount of money from small to large, generates the digital cash equal with the calcellation digital cash amount of money, for example, the numeral of required generation
The amount of money of currency is 5, then, according to most digital cash strategies, then generate the digital cash that 5 values of money are 1.Digital cash system
After system completes currency transfer in this mode, successful result will be operated and return to participation row system and agency's system；Wherein,
Operating successful result includes returning to the operating result for participating in row system and the operating result for returning to agency's system；Return
Include the digital cash after transfer and the information of agency etc. to the operating result for participating in row system；Return to agency's system
Operating result includes the execution result information paid.
It is determined that the digital cash transfer mode for split transfer mode in the case of, digital coin systems by really
The digital cash that fixed needs are paid cancels (that is, being destruction by the state recording for the digital cash for determining to cancel)；Digital goods
Coin system generates the digital cash equal with the Payment Amount, and the owner by the digital cash equal with Payment Amount
Identification record is gone for participation；Digital coin systems calculate the difference between the digital cash for needing to pay and the Payment Amount
Volume, generation and the digital cash of the difference single-candidate, and will generation and owner's identification record of the digital cash of difference single-candidate
For agency.In the pattern, for example, Payment Amount is 120, and the digital cash for the required payment that digital coin systems determine
The digital cash that the digital cash and a value of money that one value of money is 100 are 50, now, the amount of money of identified digital cash is big
In Payment Amount, therefore, digital coin systems cancel the digital cash that identified value of money is 100 and value of money is 50, then
According to the preset matching strategy generating digital cash equal with the Payment Amount (i.e. value of money and the digital cash for being 120, with most
Exemplified by few digital cash strategy, that is, the digital cash that a value of money is 100 and the digital cash that a value of money is 20 are generated, and will
Owner's mark of the digital cash of generation is designated as participating in row), then calculate the digital cash for needing to pay and the payment
Difference (difference in the example is 30) between the amount of money, digital coin systems are according to preset matching strategy generating and the difference
The digital cash of single-candidate (by taking minimum digital cash strategy as an example, that is, generates digital cash and a value of money that a value of money is 20
For 10 digital cash, and owner's mark of the digital cash of generation is designated as agency).Digital coin systems are in the pattern
After lower completion currency transfer, successful result will be operated and return to participation row system and agency's system；Wherein, operation is successful
As a result include returning to the operating result for participating in row system and the operating result for returning to agency's system；Return to participation row system
The operating result of system includes information of the digital cash equal with the Payment Amount and agency etc.；Return to agency's system
Operating result include and the difference single-candidate digital cash and payment execution result information.
Step S13：The successful result of the operation received is returned to and participates in row system by agency's system.
Fig. 2 is a kind of schematic diagram of system that digital cash is exchanged with deposit according to embodiments of the present invention.Such as Fig. 2 institutes
Show, the system 20 that digital cash is exchanged with deposit of the embodiment of the present invention mainly includes：Participate in row system 21, agency's system
22 and digital coin systems 23；Row system 21 is participated in be used to the message for exchanging digital cash being sent to agency's system, with
And the successful result of operation that Receiving Agent row system returns；Agency's system 22 is used for the report for receiving the exchange digital cash
Text, gone from participation and the amount equal with the redemption amount is reduced in the balance of deposits of the account of the same trade or business of agency, and according to
The amount generation payment request message reduced in the balance of deposits, and payment request message is sent to digital coin systems, with
And after the successful result of operation received, the successful information of exchange will be characterized and return to participation row system；Digital cash system
System 23 is used for the operation that preset term is performed according to the payment request message, and will operate successful result and return to participation row
System and agency's system, the operation of the preset term include the digital cash of agency being transferred to participation row.
Agency's system 22 that the system 20 of digital cash is exchanged with deposit can be additionally used in：Determine the row that participates in the generation
The balance of deposits for managing the account of the same trade or business of row is not less than the redemption amount.
The digital coin systems 23 that the system 20 of digital cash is exchanged with deposit can be additionally used in：Paid according to receiving
Payment amount in money request message, determine to need the digital cash paid from the digital cash of the agency；According to institute
Relation between the amount of money for the digital cash for needing to pay and the Payment Amount determines the transfer mode of digital cash；The number
Word currency transfer mode includes：Direct transfer mode, merge transfer mode and split transfer mode；According to the digital goods
The digital cash for needing to pay is transferred to participation row by coin transfer mode.
The digital coin systems 23 that the system 20 of digital cash is exchanged with deposit can be additionally used in the number for determining the agency
The amount of money of word currency is not less than the Payment Amount.
The digital coin systems 23 that the system 20 of digital cash is exchanged with deposit can also be used to determine number according to following steps
The transfer mode of word currency：
Step A：Whether the amount of money of the digital cash paid needed for judging is more than the Payment Amount, if, it is determined that number
The transfer mode of word currency is fractionation transfer mode；Otherwise, step B is performed；
Step B：Whether comprising the digital cash that can be merged into the legal amount of money in the digital cash paid needed for judging, if
It is, it is determined that the transfer mode of digital cash is merging transfer mode；Otherwise, it determines the transfer mode of digital cash is directly to turn
Mode shifter.
In the case of it is determined that the transfer mode of the digital cash is direct transfer mode, digital cash is exchanged with deposit
The digital coin systems 23 of system 20 can be additionally used in：Need the digital cash that pays to cancel by identified, at the same generate with
The equal digital cash of the cancelled digital cash amount of money；It is the participation by owner's identification record of the digital cash of generation
OK.
In the case of it is determined that the transfer mode of the digital cash is to merge transfer mode, digital cash is exchanged with deposit
The digital coin systems 23 of system 20 can be additionally used in：The identified digital cash for needing to pay is cancelled, according to default
With the strategy generating digital cash equal with the cancelled digital cash amount of money；The preset matching strategy includes：Minimum digital goods
Coin strategy and most digital cash strategies；The minimum digital cash strategy is：Digital coin systems are according to the legal amount of money from big
To small, the generation digital cash equal with the calcellation digital cash amount of money；Most digital cash strategies are：Digital coin systems
According to the legal amount of money from small to large, the generation digital cash equal with the calcellation digital cash amount of money；By the digital goods of generation
Owner's identification record of coin participates in going to be described.
In the case of it is determined that the transfer mode of the digital cash is to split transfer mode, digital cash is exchanged with deposit
The digital coin systems 23 of system 20 can be additionally used in：The identified digital cash for needing to pay is cancelled；Generation with it is described
The equal digital cash of Payment Amount, and by owner's identification record of the digital cash equal with Payment Amount for participate in
OK；Calculate the difference between the digital cash for needing to pay and the Payment Amount, generation and the numeral of the difference single-candidate
Currency, and will generate with owner's identification record of the digital cash of difference single-candidate is agency.
The digital coin systems 23 that the system 20 of digital cash is exchanged with deposit can be additionally used in：The numeral of calcellation will be determined
The state recording of currency is destruction.
The digital coin systems 23 that the system 20 of digital cash is exchanged with deposit can also be used to be given birth to according to preset matching strategy
Into the digital cash equal with the Payment Amount；The preset matching strategy includes：Minimum digital cash strategy and most most
Word currency strategy；The minimum digital cash strategy is：Digital coin systems according to the legal amount of money from big to small, generation with it is described
The equal digital cash of Payment Amount；Most digital cash strategies are：Digital coin systems from small to large, are given birth to according to the legal amount of money
Into the digital cash equal with the Payment Amount.
The digital coin systems 23 that the system 20 of digital cash is exchanged with deposit can be additionally used in：Given birth to according to preset matching strategy
Into the digital cash with the difference single-candidate；The preset matching strategy includes：Minimum digital cash strategy and most digital goods
Coin strategy；The minimum digital cash strategy is：According to the legal amount of money from big to small, generation and the described and numeral of difference single-candidate
Currency；Most digital cash strategies are：According to the legal amount of money from small to large, generation and the digital cash of the difference single-candidate.
Technical scheme according to embodiments of the present invention, due to adding the exchanging method of digital cash, as digital cash
The supplement of distribution, bank be able to not please be led by digital cash issuer, and to can ask neck digital cash other banks
Exchanged with banker's deposit, and obtain digital cash indirectly, expand the application of digital cash, be advantageous to digital cash application
Promote.
Above-mentioned embodiment, does not form limiting the scope of the invention.Those skilled in the art should be bright
It is white, depending on design requirement and other factors, various modifications, combination, sub-portfolio and replacement can occur.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 (25)
- A kind of 1. method that digital cash is exchanged with deposit, it is characterised in that including：Participate in row system and the message for exchanging digital cash is sent to agency's system；The message includes redemption amount；Agency's system is reduced equal with the redemption amount from participation row in the balance of deposits of the account of the same trade or business of agency Amount, and payment request message is generated according to the amount reduced in the balance of deposits, and payment request message is sent to Digital coin systems；Digital coin systems perform the operation of preset term according to the payment request message, and will operate successful result and return Include the digital cash of agency being transferred to participation to row system and agency's system, the operation of the preset term is participated in OK；Agency's system will characterize the successful information of exchange and return to participation row system after the successful result of operation received System.
- 2. according to the method for claim 1, it is characterised in that agency's system from participate in row agency the same trade Before the step of amount equal with the redemption amount is reduced in the balance of deposits of account, in addition to：Agency's system determines that the row that participates in is not less than the exchange in the balance of deposits of the account of the same trade or business of the agency The amount of money.
- 3. according to the method for claim 1, it is characterised in that the digital coin systems turn the digital cash of agency Move includes to the step for participating in row：Payment amount of the digital coin systems in the payment request message received, from the digital goods of the agency Determine to need the digital cash paid in coin；Relation between the amount of money and the Payment Amount of the digital cash that digital coin systems are paid required for determines number The transfer mode of word currency；The digital cash transfer mode includes：Direct transfer mode, merge transfer mode and split Transfer mode；The digital cash for needing to pay is transferred to participation row by digital coin systems according to the digital cash transfer mode.
- 4. according to the method for claim 3, it is characterised in that digital goods of the digital coin systems from the agency Before the step of digital cash for needing to pay is determined in coin, in addition to：Digital coin systems determine the numeral of the agency The amount of money of currency is not less than the Payment Amount.
- 5. according to the method for claim 4, it is characterised in that the numeral that the digital coin systems are paid required for Relation between the amount of money of currency and the Payment Amount determines that the step of transfer mode of digital cash includes：Step A：Digital coin systems judge whether the amount of money of the required digital cash paid is more than the Payment Amount, if so, The transfer mode for then determining digital cash is fractionation transfer mode；Otherwise, step B is performed；Step B：Whether digital coin systems are judged in the required digital cash paid comprising the number that can be merged into the legal amount of money Word currency, if, it is determined that the transfer mode of digital cash is merging transfer mode；Otherwise, it determines the transfer mould of digital cash Formula is direct transfer mode.
- 6. according to the method for claim 5, it is characterised in that it is determined that the transfer mode of the digital cash is directly to turn In the case of mode shifter, the digital coin systems need the digital goods that pays according to the digital cash transfer mode by described The step that coin is transferred to participation row includes：Digital coin systems cancel the identified digital cash for needing to pay, while generate and cancel the digital cash amount of money Equal digital cash；Owner's identification record of the digital cash of generation is participated in going by digital coin systems to be described.
- 7. according to the method for claim 5, it is characterised in that it is determined that the transfer mode of the digital cash turns to merge In the case of mode shifter, the digital coin systems need the digital goods that pays according to the digital cash transfer mode by described The step that coin is transferred to participation row includes：Digital coin systems cancel the identified digital cash for needing to pay, according to preset matching strategy generating with being cancelled The equal digital cash of the digital cash amount of money；The preset matching strategy includes：Minimum digital cash strategy and most digital goods Coin strategy；The minimum digital cash strategy is：Digital coin systems from big to small, generate and the calcellation according to the legal amount of money The equal digital cash of the digital cash amount of money；Most digital cash strategies are：Digital coin systems according to the legal amount of money from it is small to Greatly, the generation digital cash equal with the calcellation digital cash amount of money；Owner's identification record of the digital cash of generation is participated in going by digital coin systems to be described.
- 8. according to the method for claim 5, it is characterised in that it is determined that the transfer mode of the digital cash turns to split In the case of mode shifter, the digital coin systems need the digital goods that pays according to the digital cash transfer mode by described The step that coin is transferred to participation row includes：Digital coin systems cancel the identified digital cash for needing to pay；Digital coin systems generate the digital cash equal with the Payment Amount, and by the digital goods equal with Payment Amount Owner's identification record of coin is gone for participation；Digital coin systems calculate the difference between the digital cash for needing to pay and the Payment Amount, generation and the difference The digital cash of volume single-candidate, and will generate with owner's identification record of the digital cash of difference single-candidate is agency.
- 9. the method according to any one of claim 6 to 8, it is characterised in that the digital coin systems will be determined The digital cash that pays of needs the step of cancelling include：The state recording for the digital cash for determining to cancel is destruction by digital coin systems.
- 10. according to the method for claim 8, it is characterised in that digital coin systems generation is equal with the Payment Amount Digital cash the step of include：Digital coin systems are according to the preset matching strategy generating numeral equal with the Payment Amount Currency；The preset matching strategy includes：Minimum digital cash strategy and most digital cash strategies；The minimum digital cash Strategy is：Digital coin systems from big to small, generate the digital cash equal with the Payment Amount according to the legal amount of money；At most Digital cash strategy is：Digital coin systems from small to large, generate the numeral equal with the Payment Amount according to the legal amount of money Currency.
- 11. according to the method for claim 8, it is characterised in that digital coin systems generate the numeral with the difference single-candidate The step of currency, includes：Digital coin systems are according to preset matching strategy generating and the digital cash of the difference single-candidate；It is described Preset matching strategy includes：Minimum digital cash strategy is described in minimum digital cash strategy and most digital cash strategies：Number Word money-system from big to small, generates the digital cash with the difference single-candidate according to the legal amount of money；Most digital cash strategies It is：Digital coin systems from small to large, generate the digital cash with the difference single-candidate according to the legal amount of money.
- 12. method according to any one of claim 1 to 8, it is characterised in that the digital cash is encryption word string, The encryption word string includes the amount of money of the digital cash, publisher's mark and owner's mark.
- A kind of 13. system that digital cash is exchanged with deposit, it is characterised in that including：Participate in row system, agency's system, with And digital coin systems；The participation row system, for the message for exchanging digital cash to be sent into agency's system, and Receiving Agent row system The successful result of operation that system returns；Agency's system, for receiving the message of the exchange digital cash, from the account of the same trade or business for participating in going in agency The balance of deposits in reduce the amount equal with the redemption amount, and please according to the amount generation payment reduced in the balance of deposits Message is sought, and payment request message is sent to digital coin systems, and after the successful result of operation received, will Characterize the successful information of exchange and return to participation row system；The digital coin systems, for performing the operation of preset term according to the payment request message, and it will operate successfully Result return to and participate in row system and agency's system, the operation of the preset term and include the digital cash of agency It is transferred to participation row.
- 14. system according to claim 13, it is characterised in that agency's system is additionally operable to：Determine the participation Row is not less than the redemption amount in the balance of deposits of the account of the same trade or business of the agency.
- 15. system according to claim 13, it is characterised in that the digital coin systems are additionally operable to：According to the payment amount in the payment request message received, determine to need from the digital cash of the agency The digital cash of payment；The transfer of digital cash is determined according to the relation between the amount of money of the digital cash of required payment and the Payment Amount Pattern；The digital cash transfer mode includes：Direct transfer mode, merge transfer mode and split transfer mode；The digital cash for needing to pay is transferred to by participation row according to the digital cash transfer mode.
- 16. system according to claim 15, it is characterised in that digital coin systems are additionally operable to：Determine the agency The amount of money of digital cash be not less than the Payment Amount.
- 17. system according to claim 16, it is characterised in that digital coin systems are additionally operable to be determined according to following steps The transfer mode of digital cash：Step A：Whether the amount of money of the digital cash paid needed for judging is more than the Payment Amount, if, it is determined that digital goods The transfer mode of coin is fractionation transfer mode；Otherwise, step B is performed；Step B：Whether comprising the digital cash that can be merged into the legal amount of money in the digital cash paid needed for judging, if so, The transfer mode for then determining digital cash is merging transfer mode；Otherwise, it determines the transfer mode of digital cash is directly transfer Pattern.
- 18. system according to claim 17, it is characterised in that it is determined that the transfer mode of the digital cash is direct In the case of transfer mode, the digital coin systems are additionally operable to：The identified digital cash for needing to pay is cancelled, while generates the digital goods equal with the cancelled digital cash amount of money Coin；Owner's identification record of the digital cash of generation is participated in going to be described.
- 19. system according to claim 17, it is characterised in that it is determined that the transfer mode of the digital cash is merging In the case of transfer mode, the digital coin systems are additionally operable to：The identified digital cash for needing to pay is cancelled, according to preset matching strategy generating and cancels the digital cash amount of money Equal digital cash；The preset matching strategy includes：Minimum digital cash strategy and most digital cash strategies；It is described most Digital cash strategy is less：According to the legal amount of money from big to small, generation cancels the digital cash amount of money to digital coin systems with described Equal digital cash；Most digital cash strategies are：Digital coin systems according to the legal amount of money from small to large, generation with it is described Cancel the equal digital cash of the digital cash amount of money；Owner's identification record of the digital cash of generation is participated in going to be described.
- 20. system according to claim 17, it is characterised in that it is determined that the transfer mode of the digital cash is fractionation In the case of transfer mode, the digital coin systems are additionally operable to：The identified digital cash for needing to pay is cancelled；The generation digital cash equal with the Payment Amount, and the owner of the digital cash equal with Payment Amount is marked Knowledge is recorded as participating in row；Calculate the difference between the digital cash for needing to pay and the Payment Amount, generation and the numeral of the difference single-candidate Currency, and will generate with owner's identification record of the digital cash of difference single-candidate is agency.
- 21. the system according to any one of claim 18 to 20, it is characterised in that the digital coin systems are also used In：State recording by the digital cash for determining to cancel is destruction.
- 22. system according to claim 20, it is characterised in that digital coin systems are additionally operable to according to preset matching strategy The generation digital cash equal with the Payment Amount；The preset matching strategy includes：Minimum digital cash strategy and at most Digital cash strategy；The minimum digital cash strategy is：Digital coin systems according to the legal amount of money from big to small, generation and institute State the equal digital cash of Payment Amount；Most digital cash strategies are：Digital coin systems according to the legal amount of money from small to large, The generation digital cash equal with the Payment Amount.
- 23. system according to claim 20, it is characterised in that digital coin systems are additionally operable to：According to preset matching plan Slightly generation and the digital cash of the difference single-candidate；The preset matching strategy includes：Minimum digital cash strategy and most most Word currency strategy；The minimum digital cash strategy is：According to the legal amount of money from big to small, generate and described and difference single-candidate Digital cash；Most digital cash strategies are：According to the legal amount of money from small to large, generation and the digital goods of the difference single-candidate Coin.
- 24. the system according to any one of claim 13 to 20, it is characterised in that the digital cash is encrypted word String, the encryption word string include the amount of money of the digital cash, publisher's mark and owner's mark.
- 25. a kind of computer-readable recording medium, computer instruction is stored with the computer-readable recording medium, its feature It is, the computer instruction can be run by computer or computer system, so that the computer or computer system energy Method any one of enough perform claim requirements 1 to 12.
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| CN201710495447.4A CN107358522B (en) | 2017-06-26 | 2017-06-26 | Method and system for exchanging digital currency by using deposit |
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| CN107358522B (en) | 2020-09-29 |
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