CN107369083A - The method and system that a kind of interbank is settled accounts using digital cash - Google Patents
The method and system that a kind of interbank is settled accounts using digital cash Download PDFInfo
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- CN107369083A CN107369083A CN201710493212.1A CN201710493212A CN107369083A CN 107369083 A CN107369083 A CN 107369083A CN 201710493212 A CN201710493212 A CN 201710493212A CN 107369083 A CN107369083 A CN 107369083A
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- 238000000034 method Methods 0.000 title claims abstract description 29
- 230000000977 initiatory effect Effects 0.000 claims abstract description 53
- 238000012546 transfer Methods 0.000 claims description 121
- 238000005194 fractionation Methods 0.000 claims description 6
- 230000006378 damage Effects 0.000 claims description 5
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 claims 4
- 229910052709 silver Inorganic materials 0.000 claims 4
- 239000004332 silver Substances 0.000 claims 4
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 5
- 239000010931 gold Substances 0.000 description 5
- 229910052737 gold Inorganic materials 0.000 description 5
- 238000010586 diagram Methods 0.000 description 4
- 230000008520 organization Effects 0.000 description 4
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 238000012545 processing Methods 0.000 description 3
- 230000032683 aging Effects 0.000 description 2
- 238000004364 calculation method Methods 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 230000004888 barrier function Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 239000003999 initiator Substances 0.000 description 1
- 239000000203 mixture Substances 0.000 description 1
- 238000003032 molecular docking Methods 0.000 description 1
- 230000008569 process Effects 0.000 description 1
- 230000001737 promoting effect Effects 0.000 description 1
- 238000011084 recovery Methods 0.000 description 1
- 230000008929 regeneration Effects 0.000 description 1
- 238000011069 regeneration method Methods 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
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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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Abstract
The method and system that the present invention is settled accounts for a kind of interbank using digital cash, interbank can directly be settled accounts by digital cash, save clearance environment, improve settlement efficiency, improve the flexibility of bank settlement selection, the application of digital cash is expanded, is advantageous to digital cash application.The method that the interbank of the present invention is settled accounts using digital cash includes：The message that initiation banking system pays digital cash reception bank is sent to digital coin systems；Digital coin systems perform the operation of preset term according to the message, and will operate successful result and return to initiation banking system and receive banking system, and the operation of the preset term, which includes the digital cash for initiating bank being transferred to, receives bank.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of method that interbank is settled accounts using digital cash
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 method and system that the present invention is settled accounts for a kind of interbank using digital cash, interbank can
Directly to be settled accounts by digital cash, clearance environment is saved, improves settlement efficiency, improves the flexible of bank settlement selection
Property, the application of digital cash is expanded, is advantageous to digital cash application.
To achieve the above object, according to an aspect of the invention, there is provided a kind of interbank is carried out using digital cash
The method of clearing.
The method that the interbank of the present invention is settled accounts using digital cash includes：Banking system is initiated to pay digital cash
Money is sent to digital coin systems to the message for receiving bank；Digital coin systems perform the behaviour of preset term according to the message
Make, and successful result will be operated and return to initiation banking system and receive banking system, wrapped in the operation of the preset term
Include the digital cash for initiating bank being transferred to and receive bank.
Alternatively, it is described initiate banking system by digital cash pay receive bank message be sent to digital cash system
Before the step of system, in addition to：The initiation banking system determines that the reception bank can receive digital cash.
Alternatively, the digital cash for initiating bank is transferred to the step of receiving bank and included by the digital coin systems：
Payment amount of the digital coin systems in the message, required payment is determined from the digital cash of the initiation bank
Digital cash；Relation between the amount of money and the Payment Amount of the digital cash that digital coin systems are paid required for is true
Determine the transfer mode of digital cash；The digital cash transfer mode includes：Direct transfer mode, merge transfer mode and
Split transfer mode；Digital coin systems shift the digital cash for needing to pay according to the digital cash transfer mode
Give reception bank.
Alternatively, digital coin systems determine the required digital cash paid from the digital cash of the initiation bank
Before step, in addition to：Digital coin systems determine the amount of money of the digital cash of the initiation bank not less than the payment gold
Volume.
Alternatively, between the amount of money for the digital cash that digital coin systems are paid required for and the Payment Amount
Relation determines that the step of transfer mode of digital cash includes：Step A：Digital coin systems judge the required digital cash paid
The amount of money whether be more than the Payment Amount, if, it is determined that the transfer mode of digital cash for split transfer mode；Otherwise,
Perform step B；Step B：Whether digital coin systems, which judge to include in the required digital cash paid, can be merged into method deposit
The digital cash of volume, if, it is determined that the transfer mode of digital cash is merging transfer mode；Otherwise, it determines digital cash
Transfer mode 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
The digital cash for needing to pay is transferred to the step of receiving bank according to the digital cash transfer mode and wrapped by coin system
Include：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 the reception bank by digital coin systems.
Alternatively, it is determined that the digital cash transfer mode for merge transfer mode in the case of, the digital cash
The digital cash for needing to pay is transferred to the step of receiving bank by system according to the digital cash transfer mode to be included：
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 reception bank.
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 digital cash for needing to pay is transferred to the step of receiving bank according to the digital cash transfer mode and wrapped by coin system
Include：Digital coin systems cancel the identified digital cash for needing to pay；Digital coin systems generate and the payment gold
The equal digital cash of volume, and by owner's identification record of the digital cash equal with Payment Amount for receive bank；Number
Word money-system calculates the difference between the digital cash for needing to pay and the Payment Amount, generation and the difference single-candidate
Digital cash, and will generate with owner's identification record of the digital cash of difference single-candidate to initiate bank.
Alternatively, the step of digital coin systems cancel the identified digital cash for needing to pay includes：Digital goods
The state recording for the digital cash for determining to cancel is destruction by coin 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 the system that a kind of interbank is settled accounts using digital cash.
The system that the interbank of the present invention is settled accounts using digital cash includes：Initiate banking system, digital cash system
System and reception banking system；Wherein, the banking system of initiating is used to paying digital cash into the message hair for receiving bank
Give digital coin systems；The digital coin systems are used for the operation that preset term is performed according to the payment request message,
And successful result will be operated and return to initiation banking system and receive banking system, the operation of the preset term includes will
The digital cash for initiating bank is transferred to reception bank；The behaviour for receiving banking system and being used to receive digital coin systems return
Make successful result.
Alternatively, the initiation banking system is additionally operable to：Determine that the reception bank can receive digital cash.
Alternatively, the digital coin systems are additionally operable to：According to the payment amount in the message, from the initiation bank
Digital cash in determine needed for pay digital cash；According to the amount of money of the digital cash of required payment and the payment gold
Relation between volume determines the transfer mode of digital cash；The digital cash transfer mode includes：Direct transfer mode, merge
Transfer mode and fractionation transfer mode；The digital cash for needing to pay is turned according to the digital cash transfer mode
Move and give reception bank.
Alternatively, digital coin systems are additionally operable to：Determine the amount of money of the digital cash of the initiation bank not less than described
Payment Amount.
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；It is the reception bank by owner's identification record of the digital cash of generation.
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：According to the legal amount of money from big to small, generation and the calcellation digital cash amount of money phase
Deng digital cash；Most digital cash strategies are：According to the legal amount of money from small to large, generation and the calcellation digital cash gold
The equal digital cash of volume；It is the reception bank by owner's identification record of the digital cash of generation.
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 by owner's identification record of the digital cash equal with Payment Amount for receive bank；Calculating described needs to pay
Digital cash and the Payment Amount between difference, generation and the digital cash of the difference single-candidate, and will generation with it is poor
Owner's identification record of the digital cash of volume single-candidate is initiation bank.
Alternatively, 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 number equal with the Payment Amount
Word currency；The preset matching strategy includes：Minimum digital cash strategy and most digital cash strategies；The minimum digital goods
Coin strategy is：According to the legal amount of money from big to small, the digital cash equal with the Payment Amount is generated；Most digital cash plans
Slightly it is：According to the legal amount of money from small to large, the digital cash equal with the Payment Amount is generated.
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 digital cash of the difference single-candidate；Most digital cash strategies are：Press
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 that interbank provided by the present invention is settled accounts using digital cash.
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 the schematic diagram for the method that a kind of interbank according to embodiments of the present invention is settled accounts using digital cash；
Fig. 2 is the schematic diagram for the system that a kind of interbank according to embodiments of the present invention is settled accounts using digital cash.
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.
In the technical scheme of the embodiment of the present invention, be related to initiate bank to receive bank paying digital cash process,
Wherein, the initiator that bank refers to payout figure currency is initiated, initiates banking system to initiate the calculating of bank's processing transaction
Machine system；The recipient that bank refers to digital cash is received, receives banking system to receive the computer of bank's processing transaction
System；The digital cash being previously mentioned is encryption word string, the amount of money of the encryption word string including the digital cash, publisher's mark and
The owner identifies.Specific technical scheme is as described below.
Fig. 1 is the schematic diagram for the method that a kind of interbank according to embodiments of the present invention is settled accounts using digital cash.
As shown in figure 1, the method that a kind of interbank of the embodiment of the present invention is settled accounts using digital cash mainly includes step S10 extremely
S11。
Step S10：The message that initiation banking system pays digital cash reception bank is sent to digital coin systems.
In this step, the bank that bank refers to needing payout figure currency is initiated；Bank is received to refer to receiving initiation bank branch
The bank for the digital cash paid.
Before step S10, the message that initiation banking system pays digital cash reception bank is sent to digital goods
Before coin system, it is thus necessary to determine that the reception bank can also receive digital cash.
Step S11：Digital coin systems perform the operation of preset term according to the message, and will operate successful result
Return to and initiate banking system and receive banking system, the operation of the preset term includes that the digital cash of bank will be initiated
It is transferred to and receives bank.In step s 11, the digital cash for initiating bank is transferred to the tool for receiving bank by digital coin systems
Body step includes step S111 to S113.
Step S111：Payment amount of the digital coin systems in the message, from the digital goods of the initiation bank
The digital cash paid needed for being determined in coin.In this step, digital coin systems are from the digital cash of the initiation bank
It is determined that before the digital cash of required payment, whether first determine whether to initiate the amount of money of the digital cash of bank not less than payment gold
Volume, if it is, continuing executing with subsequent step；Otherwise, the information that sign can not be paid is returned into initiation banking system.
Step S112：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 S111 is determined is not less than
On the basis of Payment Amount, in step S112, 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 S113：The digital cash that digital coin systems pay the needs according to the digital cash transfer mode
It is transferred to and receives bank.In the case of it is determined that the transfer mode of the digital cash is direct transfer mode, digital cash system
The identified digital cash for needing to pay is cancelled (that is, being to destroy by the state recording for the digital cash for determining to cancel) by system,
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
For the reception bank.For example, the Payment Amount that digital cash is paid to the message of reception bank is 150, digital cash system
The digital cash for the required payment that system determines is respectively the digital cash that a value of money is 100 and the digital goods that a value of money is 50
Coin, then digital coin systems identified digital cash is cancelled, it is 100 and value of money is 50 then to regenerate a value of money
Digital cash, and by owner's identification record of the digital cash of generation to receive bank, wherein, the digital cash generated
Although value of money, as the value of money size of the digital cash cancelled, digital cash is different from the digital cash cancelled
Encrypt word string.After digital coin systems complete currency transfer in this mode, successful result will be operated and return to initiation bank
System and clearing bank system；Wherein, operating successful result includes returning to the operating result for initiating banking system and return
To the operating result for receiving banking system；Returning to the operating result of reception banking system includes digital cash and hair after transfer
Play information of bank etc.；Return to the execution result information that the operating result of initiation banking system includes paying.
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 default
Matching strategy generates the digital cash equal with the cancelled digital cash amount of money；Digital coin systems are by the digital cash of generation
Owner's identification record is the reception bank.Wherein, preset matching strategy includes：Minimum digital cash strategy and at most numeral
Currency strategy；The minimum digital cash strategy is：Digital coin systems from big to small, generate and the work according to the legal amount of money
The equal digital cash of the useless digital cash amount of money；During most digital cash strategy, digital coin systems are according to the legal amount of money from small
To big, the generation digital cash equal with the calcellation digital cash amount of money.Merge transfer mode, i.e. digital coin systems determine
Required payment digital cash include can and the into legal amount of money digital cash, for example, digital coin systems determine institute
The digital cash that need to be paid is the digital cash that a value of money is 100, the digital cash that two values of money are 10, and payment request report
Payment in text is 120, then it is determined that required payment two values of money including of digital cash be 10 numeral
Currency can synthesize the digital cash that a value of money is 20, and therefore, digital coin systems are first by the numeral of the required payment of determination
Currency cancels, the digital cash that the digital cash and a value of money that one value of money of regeneration is 100 are 20, and by the numeral of generation
Owner's identification record of currency is reception bank.Digital coin systems can be according to minimum during digital cash is generated
Word currency strategy and most digital cash strategy generating digital cash；For example, when the amount of money for the digital cash for needing to generate is 120
When, that is, generate the digital cash that a value of money is 100 and the digital goods that a value of money is 20 according to the legal amount of money from big to small
Coin；When preset matching strategy is most digital cash strategies, digital coin systems according to the legal amount of money from small to large, generation with
It is described to cancel the equal digital cash of the digital cash amount of money, for example, the amount of money of the digital cash of required generation is 5, then, according to
Most digital cash strategies, then generate the digital cash that 5 values of money are 1.Digital coin systems are completed currency and turned in this mode
After shifting, successful result will be operated and return to initiation banking system and clearing bank system；Wherein, operating successful result includes
Return to the operating result for initiating banking system and return to the operating result for receiving banking system；Return to reception banking system
Operating result include the digital cash after transfer and initiate information etc. of bank；Return to the operating result for initiating banking system
Execution result information including payment.
In the case of it is determined that the transfer mode of the digital cash is to split transfer mode, the digital coin systems root
The digital cash for needing to pay is transferred into the step of receiving bank according to the digital cash transfer mode includes：Digital goods
Coin system cancels the identified digital cash for needing to pay, and then generates the digital cash equal with the Payment Amount,
And by owner's identification record of the digital cash equal with Payment Amount to receive bank, finally, calculating is described to be needed to prop up
Difference between the digital cash and the Payment Amount paid, generation and the digital cash of the difference single-candidate, and will generation with
Owner's identification record of the digital cash of difference single-candidate is initiation bank.In the pattern, for example, Payment Amount is 120, and
The number that the digital cash and a value of money that one value of money of digital cash for the required payment that digital coin systems determine is 100 are 50
Word currency, now, the amount of money of identified digital cash are more than Payment Amount, and therefore, digital coin systems are by identified coin
Be worth for 100 and value of money be 50 digital cash cancel, it is then equal with the Payment Amount according to preset matching strategy generating
(i.e. value of money and the digital cash for being 120, by taking minimum digital cash strategy as an example, that is, it is 100 to generate a value of money to digital cash
The digital cash that digital cash and a value of money are 20, and owner's mark of the digital cash of generation is designated as receiving bank),
The difference (difference in the example is 30) between the digital cash for needing to pay and the Payment Amount, numeral are calculated again
Money-system according to the digital cash of preset matching strategy generating and the difference single-candidate (by taking minimum digital cash strategy as an example,
Generate the digital cash that a value of money is 20 and the digital cash that a value of money is 10, and owning the digital cash of generation
Person's mark is designated as initiating bank).After digital coin systems complete currency transfer in this mode, successful result will be operated and returned
To initiation banking system and receive banking system；Wherein, operating successful result includes returning to the operation for initiating banking system
As a result and return to receive banking system operating result；Return to receive banking system operating result include and the payment
Information of the equal digital cash of the amount of money and initiation bank etc.；Return to initiate banking system operating result include and the difference
The digital cash of single-candidate and the execution result information paid.
Fig. 2 is the schematic diagram for the system that a kind of interbank according to embodiments of the present invention is settled accounts using digital cash.
As shown in Fig. 2 the system 20 that the interbank of the embodiment of the present invention is settled accounts using digital cash mainly includes：Initiate department of banking
System 21, digital coin systems 22 and reception banking system 23；Banking system 21 is initiated to be used to digital cash paying reception
The message of bank is sent to digital coin systems；Digital coin systems 22 are used to perform default item according to the payment request message
Purpose operates, and will operate successful result and return to initiation banking system 21 and receive banking system 23, the preset term
Operation include by initiate bank digital cash be transferred to receive bank；Banking system 23 is received to be used to receive digital cash
The successful result of operation that system 22 returns.
The initiation banking system 21 for the system 20 that interbank is settled accounts using digital cash can be additionally used in：It is determined that described connect
Cash register row can receive digital cash.
The digital coin systems 22 for the system 20 that interbank is settled accounts using digital cash can be additionally used in：According to the report
Payment amount in text, the required digital cash paid is determined from the digital cash of the initiation bank；According to required branch
Relation between the amount of money and the Payment Amount of the digital cash paid determines the transfer mode of digital cash；The digital cash
Transfer mode includes：Direct transfer mode, merge transfer mode and split transfer mode；Shifted according to the digital cash
The digital cash for needing to pay is transferred to and receives bank by pattern.
The digital coin systems 22 for the system 20 that interbank is settled accounts using digital cash can be additionally used in：Determine the hair
The amount of money for playing the digital cash of bank is not less than the Payment Amount.
The digital coin systems 22 for the system 20 that interbank is settled accounts using digital cash can be additionally used according to following step
The rapid transfer mode for determining 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 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.
When it is determined that the transfer mode of the digital cash is direct transfer mode, interbank is tied using digital cash
The digital coin systems 22 of the system 20 of calculation can be additionally used in：The identified digital cash for needing to pay is cancelled, generated simultaneously
The digital cash equal with the cancelled digital cash amount of money；It is the reception by owner's identification record of the digital cash of generation
Bank.
In the case of it is determined that the transfer mode of the digital cash is to merge transfer mode, interbank uses digital cash
The digital coin systems 22 for the system 20 settled accounts can be additionally used in：The identified digital cash for needing to pay is cancelled, root
According to the preset matching strategy generating digital cash equal with the cancelled digital cash amount of money；The preset matching strategy includes：Most
Few 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,
Generate the digital cash equal with the calcellation digital cash amount of money；Most digital cash strategies are：According to the legal amount of money from small
To big, the generation digital cash equal with the calcellation digital cash amount of money；The owner of the digital cash of generation is identified into note
Record as the reception bank.
In the case of it is determined that the transfer mode of the digital cash is to split transfer mode, interbank uses digital cash
The digital coin systems 22 for the system 20 settled accounts can be additionally used in：The identified digital cash for needing to pay is cancelled；It is raw
Into the digital cash equal with the Payment Amount, and owner's identification record by the digital cash equal with Payment Amount
To receive bank；Calculate the difference between the digital cash for needing to pay and the Payment Amount, generation and the difference etc.
The digital cash of volume, and it is initiation bank that will generate with owner's identification record of the digital cash of difference single-candidate.
The digital coin systems 22 for the system 20 that interbank is settled accounts using digital cash can be additionally used in：It will determine to make
The state recording of useless digital cash is destruction.
The digital coin systems 22 for the system 20 that interbank is settled accounts using digital cash can be additionally used in：According to default
With the strategy generating digital cash equal with the Payment Amount；The preset matching strategy includes：Minimum digital cash strategy
With most digital cash strategies；The minimum digital cash strategy is：According to the legal amount of money from big to small, generation and the payment
The equal digital cash of the amount of money；Most digital cash strategies are：According to the legal amount of money from small to large, generation and the Payment Amount
Equal digital cash.
The digital coin systems 22 for the system 20 that interbank is settled accounts using digital cash can be additionally used in：According to default
Digital cash with strategy generating Yu the difference single-candidate；The preset matching strategy includes：Minimum digital cash strategy and most
Multiple digital currency strategy；The minimum digital cash strategy is：According to the legal amount of money from big to small, generation and the 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.
Technical scheme according to embodiments of the present invention, interbank can directly be settled accounts by digital cash, be saved clear
Environment is calculated, improves settlement efficiency, the flexibility of bank settlement selection is improved, expands the application of digital cash, be advantageous to
Digital cash application.
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)
1. a kind of method that interbank is settled accounts using digital cash, it is characterised in that including：
The message that initiation banking system pays digital cash reception bank is sent to digital coin systems；
Digital coin systems perform the operation of preset term according to the message, and will operate successful result and return to initiation silver
Row system and reception banking system, the operation of the preset term include the digital cash for initiating bank being transferred to reception silver
OK.
2. according to the method for claim 1, it is characterised in that digital cash is paid reception by the initiation banking system
Before the step of message of bank is sent to digital coin systems, in addition to：The initiation banking system determines the reception silver
Row can receive digital cash.
3. according to the method for claim 1, it is characterised in that the digital coin systems will initiate the digital cash of bank
Being transferred to the step of receiving bank includes：
Payment amount of the digital coin systems in the message, required prop up is determined from the digital cash of the initiation bank
The digital cash paid；
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 reception silver by digital coin systems according to the digital cash transfer mode
OK.
4. according to the method for claim 3, it is characterised in that digital cash of the digital coin systems from the initiation bank
Before the step of digital cash paid needed for middle determination, in addition to：
Digital coin systems determine that the amount of money of the digital cash of the initiation bank is not less than the Payment Amount.
5. according to the method for claim 4, it is characterised in that the digital cash that digital coin systems are paid required for
The amount of money and the Payment Amount between relation the step of determining the transfer mode of digital cash include：
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
Coin, which is transferred to the step of receiving bank, to be included：
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 the reception bank by digital coin systems.
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
Coin, which is transferred to the step of receiving bank, to be included：
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 the reception bank by digital coin systems.
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
Coin, which is transferred to the step of receiving bank, to be included：
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 reception bank；
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 it is initiation bank that will generate with owner's identification record of the digital cash of difference single-candidate.
9. the method according to any one of claim 6 to 8, it is characterised in that digital coin systems need identified
The step of digital cash to be paid cancels includes：The state recording for the digital cash for determining to cancel is pin by digital cash
Ruin.
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 and most digital cash strategies；At least digital cash strategy is：Digital goods
Coin 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 are：Number
Word money-system from small to large, generates the digital cash with the difference single-candidate according to the legal amount of money.
12. according to the method described in any one of claim 1 to 8, it is characterised in that the digital cash is to encrypt word string, institute
Stating 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 interbank is settled accounts using digital cash, it is characterised in that including：Initiate banking system, numeral
Money-system and reception banking system；
Wherein, the initiation banking system is sent to digital cash system for digital cash to be paid to the message of reception bank
System；
The digital coin systems are used for the operation that preset term is performed according to the payment request message, and will operate successful
As a result return to and initiate banking system and receive banking system, the operation of the preset term includes that the numeral of bank will be initiated
Currency, which is transferred to, receives bank；
The successful result of operation for receiving banking system and being used to receive digital coin systems return.
14. system according to claim 13, it is characterised in that the initiation banking system is additionally operable to：It is determined that described connect
Cash register row can receive digital cash.
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 message, the required digital goods paid is determined from the digital cash of the initiation bank
Coin；
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 according to the digital cash transfer mode and receives bank.
16. system according to claim 15, it is characterised in that digital coin systems are additionally operable to：
Determine that the amount of money of the digital cash of the initiation bank is 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；
It is the reception bank by owner's identification record of the digital cash of generation.
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, the generation digital goods equal with the calcellation digital cash amount of money
Coin；Most digital cash strategies are：According to the legal amount of money from small to large, the generation number equal with the calcellation digital cash amount of money
Word currency；
It is the reception bank by owner's identification record of the digital cash of generation.
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 receiving bank；
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 it is initiation bank that will generate with owner's identification record of the digital cash of difference single-candidate.
21. the system according to any one of claim 18 to 20, digital coin systems are additionally operable to：It will determine what is cancelled
The state recording of digital cash is destruction.
22. system according to claim 20, it is characterised in that digital coin systems are additionally operable to：According to preset matching plan
Slightly generate the digital cash equal with the Payment Amount；The preset matching strategy includes：Minimum digital cash strategy and most
Multiple digital currency strategy；The minimum digital cash strategy is：According to the legal amount of money from big to small, generation and the Payment Amount
Equal digital cash；During most digital cash strategies, generation is equal with the Payment Amount according to the legal amount of money from small to large
Digital cash.
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；During the minimum digital cash strategy, according to the legal amount of money from big to small, generation and the number of the difference single-candidate
Word currency；During most digital cash strategies, according to the legal amount of money from small to large, generation and the digital cash of the difference single-candidate.
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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| CN107369083B (en) | 2020-11-13 |
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