CN107369083B - Method and system for settlement between banks by using digital currency - Google Patents
Method and system for settlement between banks by using digital currency Download PDFInfo
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Abstract
The invention provides a method and a system for settling accounts by using digital currency among banks, which can directly settle accounts by the digital currency among banks, save clearing environment, improve settlement efficiency, improve the flexibility of bank settlement selection, expand the application range of the digital currency and be beneficial to the application and popularization of the digital currency. The method for settlement between banks by using digital currency comprises the following steps: the initiating bank system sends the message of paying the digital currency to the receiving bank to the digital currency system; and the digital currency system executes the operation of a preset project according to the message and returns the successful operation result to the initiating bank system and the receiving bank system, wherein the operation of the preset project comprises the step of transferring the digital currency of the initiating bank to the receiving bank.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a system for settling accounts between banks by using digital currency.
Background
The current inter-bank fund clearing system is divided into two types: one is a central clearing network and the other is a transit clearing network. The central clearing network has a centralized clearing organization, and the direct clearing bank has a settlement account opened in the clearing organization and is connected with the clearing organization system to realize message transmission. The clearing institution is responsible for processing clearing messages and settling funds between direct clearing banks. The switching clearing network takes SWIFT as a representative, the network settles accounts on the basis of the same-industry accounts between banks, and if the same-industry accounts are not directly opened between the two banks, the settlement is indirectly carried out through the same-industry accounts through other banks. The existing settlement system between banks lacks a point-to-point direct settlement path, has a long fund transfer path, is difficult to guarantee timeliness and high in cost, and particularly has more obvious problems in the existing settlement system between banks in a cross-border settlement environment.
In recent years, digital money has been popular, and some types of digital money (also referred to as "virtual money") including bitcoin are applied first in private departments, and since such digital money has a risk that it is difficult to recoup money due to theft of money assets due to leakage of a private key, there is no guarantee of value, and problems such as illegal crime and financial risk are caused, legal digital money has been produced. The legal digital currency is digital currency which is guaranteed by national credit and is promoted to be issued by the central bank, but for the existing bank-to-bank fund clearing network, the digital currency cannot be used as a settlement tool to realize the integration and complementation with the existing fund settlement system, so that the bank can settle by the original settlement network, can also settle by the digital currency or adopt a mixed mode to settle.
In summary, the following problems mainly exist in the existing bank clearing system:
1. the existing settlement system between banks lacks a point-to-point direct settlement channel, and particularly under a cross-border settlement environment, the fund transfer path is long, the timeliness is difficult to guarantee, and the cost is high.
2. On the basis of the existing bank clearing network, digital currency cannot be used as a settlement tool, so that the bank can settle accounts by using the original settlement network, can also settle accounts by using the digital currency, or adopts a mixed mode to settle accounts.
Disclosure of Invention
In view of the above, the invention provides a method and a system for inter-bank settlement using digital currency, which can directly settle accounts through the digital currency between banks, thereby saving the settlement environment, improving the settlement efficiency, improving the flexibility of bank settlement selection, expanding the application range of the digital currency and being beneficial to the application and popularization of the digital currency.
To achieve the above object, according to one aspect of the present invention, there is provided a method for settlement between banks using digital money.
The method for settlement between banks by using digital currency comprises the following steps: the initiating bank system sends the message of paying the digital currency to the receiving bank to the digital currency system; and the digital currency system executes the operation of a preset project according to the message and returns the successful operation result to the initiating bank system and the receiving bank system, wherein the operation of the preset project comprises the step of transferring the digital currency of the initiating bank to the receiving bank.
Optionally, before the step of sending the message of paying the digital currency to the receiving bank by the initiating bank system to the digital currency system, the method further includes: the initiating bank system determines that the receiving bank can receive digital currency.
Optionally, the step of the digital money system transferring the digital money of the originating bank to the recipient bank comprises: the digital currency system determines the digital currency to be paid from the digital currency of the initiating bank according to the payment amount in the message; the digital currency system determines a digital currency transfer mode according to the relation between the amount of digital currency to be paid and the payment amount; the digital money transfer mode includes: a direct transfer mode, a merge transfer mode, and a split transfer mode; the digital money system transfers the digital money to be paid to a recipient bank according to the digital money transfer mode.
Optionally, before the step of determining the digital currency to be paid from the digital currency of the originating bank, the digital currency system further comprises: the digital currency system determines that the amount of digital currency of the originating bank is not less than the payment amount.
Optionally, the step of the digital money system determining the transfer mode of the digital money according to the relationship between the amount of the digital money required to be paid and the payment amount includes: step A: the digital currency system judges whether the amount of the digital currency needing to be paid is larger than the payment amount, and if so, the digital currency transfer mode is determined to be a split transfer mode; otherwise, executing step B; and B: the digital currency system judges whether the digital currencies to be paid contain digital currencies which can be combined into legal amount, if so, the digital currency transfer mode is determined to be a combined transfer mode; otherwise, determining the transfer mode of the digital money as the direct transfer mode.
Optionally, in a case where the transfer mode of the digital money is determined to be the direct transfer mode, the step of the digital money system transferring the digital money to be paid to the receiving bank according to the digital money transfer mode includes: the digital currency system invalidates the determined digital currency to be paid and generates digital currency with an amount equal to the invalidated digital currency; the digital currency system records the owner identification of the generated digital currency as the receiving bank.
Optionally, in a case where the transfer mode of the digital money is determined to be the merge transfer mode, the step of the digital money system transferring the digital money to be paid to the receiving bank according to the digital money transfer mode includes: the digital currency system invalidates the determined digital currency needing to be paid, and generates digital currency with the same amount as the invalidated digital currency according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from small to large; the digital currency system records the owner identification of the generated digital currency as the receiving bank.
Optionally, in a case where the transfer mode of the digital money is determined to be the split transfer mode, the step of the digital money system transferring the digital money to be paid to a receiving bank according to the digital money transfer mode includes: the digital currency system invalidates the determined digital currency to be paid; the digital currency system generates digital currency equal to the payment amount and records the owner identification of the digital currency equal to the payment amount as the receiving bank; the digital currency system calculates a difference between the digital currency to be paid and the payment amount, generates digital currency equal to the difference, and records an owner identification of the generated digital currency equal to the difference as an originating bank.
Optionally, the step of the digital currency system invalidating the determined digital currency requiring payment comprises: the digital currency system records the status of the determined voided digital currency as a destruction.
Optionally, the step of the digital currency system generating digital currency equal to the payment amount comprises: the digital currency system generates digital currency equal to the payment amount according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: the digital currency system generates digital currency equal to the payment amount according to the statutory amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency equal to the payment amount according to the statutory amount from small to large.
Optionally, the step of the digital currency system generating the digital currency equivalent to the balance comprises: the digital currency system generates digital currency with the same amount as the difference according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: the digital currency system generates digital currency with the same amount as the difference according to the legal amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency equivalent to the balance from small to large in legal amount.
Optionally, the digital currency is a cryptographic string comprising an amount of the digital currency, an issuer identification and an owner identification.
According to another aspect of the present invention, a system for inter-bank settlement using digital currency is provided.
The system for settlement between banks using digital currency of the present invention comprises: an originating bank system, a digital currency system, and a receiving bank system; the initiating bank system is used for sending a message of paying the digital currency to the receiving bank to the digital currency system; the digital currency system is used for executing the operation of a preset project according to the payment request message and returning the successful operation result to the initiating bank system and the receiving bank system, and the operation of the preset project comprises transferring the digital currency of the initiating bank to the receiving bank; the receiving bank system is used for receiving the operation success result returned by the digital currency system.
Optionally, the initiating banking system is further configured to: determining that the receiving bank can receive digital currency.
Optionally, the digital currency system is further configured to: determining the digital currency to be paid from the digital currency of the initiating bank according to the payment amount in the message; determining a digital currency transfer mode according to the relation between the amount of the digital currency to be paid and the payment amount; the digital money transfer mode includes: a direct transfer mode, a merge transfer mode, and a split transfer mode; and transferring the digital money needing payment to a receiving bank according to the digital money transfer mode.
Optionally, the digital currency system is further configured to: determining that an amount of digital currency of the originating bank is not less than the payment amount.
Optionally, the digital money system is further configured to determine a transfer mode of the digital money according to: step A: judging whether the amount of the digital currency needing to be paid is larger than the payment amount, and if so, determining that the transfer mode of the digital currency is a split transfer mode; otherwise, executing step B; and B: judging whether the digital currency to be paid contains digital currency which can be combined into legal amount, if so, determining that the transfer mode of the digital currency is a combined transfer mode; otherwise, determining the transfer mode of the digital money as the direct transfer mode.
Optionally, in the case that the transfer mode of the digital money is determined to be the direct transfer mode, the digital money system is further configured to: invalidating the determined digital currency to be paid, and generating digital currency having an amount equal to the invalidated digital currency; recording the owner identification of the generated digital currency as the receiving bank.
Optionally, in the case that the transfer mode of the digital money is determined to be the merge transfer mode, the digital money system is further configured to: the determined digital currency needing to be paid is voided, and digital currency with the same amount as the voided digital currency is generated according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: generating digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; the most digital currency strategy is: generating digital currency with the same amount as the invalid digital currency according to the legal amount from small to large; recording the owner identification of the generated digital currency as the receiving bank.
Optionally, in the case that the transfer mode of the digital money is determined to be the split transfer mode, the digital money system is further configured to: invalidating the determined digital currency to be paid; generating digital currency equal to the payment amount, and recording an owner identification of the digital currency equal to the payment amount as a recipient bank; calculating a difference between the digital currency to be paid and the payment amount, generating a digital currency equal to the difference, and recording an owner identification of the generated digital currency equal to the difference as an originating bank.
Optionally, the digital currency system is further configured to: the status of the determined voided digital currency is recorded as destroyed.
Optionally, the digital currency system is further configured to: generating digital currency equal to the payment amount according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: generating digital currency equal to the payment amount according to the statutory amount from large to small; the most digital currency strategy is: and generating digital currency equal to the payment amount according to the statutory amount from small to large.
Optionally, the digital currency system is further configured to: generating digital currency with the balance equal to the difference according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: generating digital currency with the same amount as the difference according to the legal amount from large to small; the most digital currency strategy is: and generating the digital currency with the amount equal to the difference according to the legal amount from small to large.
Optionally, the digital currency is a cryptographic string comprising an amount of the digital currency, an issuer identification and an owner identification.
According to yet another aspect of the present invention, a computer-readable storage medium is provided.
The computer readable storage medium of the present invention, which stores computer instructions, is characterized in that the computer instructions can be executed by a computer or a computer system, so that the computer or the computer system can execute the method for settlement between banks using digital currency provided by the present invention.
According to the technical scheme of the embodiment of the invention, as the settlement method of the digital currency is added, the digital currency can be adopted for point-to-point settlement, so that the settlement path is short, the time efficiency is high, and particularly in cross-border settlement, the bank settlement efficiency can be improved and the cost can be reduced; on the other hand, the traditional settlement method between banks and the settlement method of the digital currency are integrated, so that the bank burden is not increased, the digital currency is not required to be received by the payment and receipt party, the flexibility of bank settlement selection is improved, the application range of the digital currency is expanded, and the application and popularization of the digital currency are facilitated.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of a method for inter-bank settlement using digital currency, in accordance with an embodiment of the present invention;
fig. 2 is a schematic diagram of a system for inter-bank settlement using digital currency, according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
The technical scheme of the embodiment of the invention relates to a process of paying digital currency to a receiving bank by an initiating bank, wherein the initiating bank refers to an initiator paying the digital currency, and an initiating bank system is a computer system initiating a bank to process transactions; the receiving bank refers to a receiver of digital currency, and the receiving bank system is a computer system for processing transactions for the receiving bank; the mentioned digital currency is a cryptographic string comprising the amount of said digital currency, an issuer identification and an owner identification. The specific technical scheme is as follows.
Fig. 1 is a schematic diagram of a method for inter-bank settlement using digital currency according to an embodiment of the present invention. As shown in fig. 1, a method for inter-bank settlement using digital currency according to an embodiment of the present invention mainly includes steps S10 to S11.
Step S10: the initiating bank system sends a message to the digital currency system that the initiating bank system paid the digital currency to the receiving bank. In this step, the originating bank refers to a bank that needs to pay digital money; a recipient bank refers to a bank that receives digital currency from which bank payments are initiated.
Before the initiating bank system sends the message to the digital money system to pay the receiving bank for digital money, it needs to be determined that the receiving bank can also receive digital money, before step S10.
Step S11: and the digital currency system executes the operation of a preset project according to the message and returns the successful operation result to the initiating bank system and the receiving bank system, wherein the operation of the preset project comprises the step of transferring the digital currency of the initiating bank to the receiving bank. The specific steps of the digital money system transferring the digital money of the originating bank to the recipient bank in step S11 include steps S111 to S113.
Step S111: and the digital currency system determines the digital currency to be paid from the digital currency of the initiating bank according to the payment amount in the message. In the step, before the digital currency system determines the digital currency to be paid from the digital currency of the initiating bank, firstly, judging whether the amount of the digital currency of the initiating bank is not less than the payment amount, if so, continuing to execute the subsequent steps; otherwise, the information representing that the payment cannot be made is returned to the originating bank system.
Step S112: the digital money system determines a transfer mode of the digital money according to a relationship between an amount of the digital money to be paid and the payment amount. Among the mentioned digital money transfer modes are: a direct transfer mode, a merge transfer mode, and a split transfer mode; on the basis of determining that the amount of the digital money required to be paid is not less than the payment amount at step S111, the relationship between the amount of the digital money required to be paid and the payment amount at step S112 includes: the amount of the digital money to be paid is greater than the payment amount and the amount of the digital money to be paid is equal to the payment amount, and therefore, the specific steps of determining the transfer mode of the digital money are as follows:
step A: the digital currency system judges whether the amount of the digital currency needing to be paid is larger than the payment amount, and if so, the digital currency transfer mode is determined to be a split transfer mode; otherwise, executing step B;
and B: the digital currency system judges whether the digital currencies to be paid contain digital currencies which can be combined into legal amount, if so, the digital currency transfer mode is determined to be a combined transfer mode; otherwise, determining the transfer mode of the digital money as the direct transfer mode.
Step S113: the digital money system transfers the digital money to be paid to a recipient bank according to the digital money transfer mode. In the case where it is determined that the transfer mode of the digital money is the direct transfer mode, the digital money system invalidates the determined digital money to be paid (i.e., records the status of the determined invalidated digital money as destruction), generates digital money equal in amount to the invalidated digital money, and records the owner identification of the generated digital money as the recipient bank. For example, the message for paying the digital currency to the receiving bank has a payment amount of 150, the digital currency to be paid determined by the digital currency system is a digital currency with a currency value of 100 and a digital currency with a currency value of 50, respectively, the digital currency system invalidates the determined digital currency, generates a digital currency with a currency value of 100 and a currency value of 50, and records the owner identifier of the generated digital currency as the receiving bank, wherein the generated digital currency has a currency value which is the same as the currency value of the invalidated digital currency but is a different encryption string from the invalidated digital currency. After the digital currency system finishes the currency transfer in the mode, the result of successful operation is returned to the initiating bank system and the clearing bank system; the successful operation result comprises an operation result returned to the initiating bank system and an operation result returned to the receiving bank system; the operation result returned to the receiving bank system includes the transferred digital currency and the information of the initiating bank; the operation result returned to the originating bank system includes execution result information of the payment.
In the case that the transfer mode of the digital money is determined to be the merging transfer mode, the digital money system invalidates the determined digital money to be paid (namely, records the state of the digital money determined to be invalidated as destruction), and generates digital money with the amount equal to the amount of the invalidated digital money according to a preset matching strategy; the digital currency system records the owner identification of the generated digital currency as the receiving bank. Wherein, predetermine the matching strategy and include: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; and when the digital currency strategy is maximum, the digital currency system generates digital currency with the same amount as the waste digital currency according to the statutory amount from small to large. The merge transfer mode, i.e., the digital currency to be paid determined by the digital currency system includes digital currency of a sum of legal amount, for example, the digital currency to be paid determined by the digital currency system is a digital currency with a currency value of 100, two digital currencies with currency values of 10, and the payment amount in the payment request message is 120, then the two digital currencies with currency values of 10 included in the determined digital currency to be paid can be combined into a digital currency with a currency value of 20, so that the digital currency system invalidates the determined digital currency to be paid first, regenerates a digital currency with a currency value of 100 and a digital currency with a currency value of 20, and records the owner identification of the generated digital currency as the receiving bank. The digital currency system can generate digital currency according to the minimum digital currency strategy and the maximum digital currency strategy in the process of generating the digital currency; for example, when the amount of digital money to be generated is 120, a digital money with a denomination of 100 and a digital money with a denomination of 20 are generated from large to small according to the legal amount; when the preset matching strategy is the maximum digital currency strategy, the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from small to large, for example, the amount of the digital currency to be generated is 5, and then, according to the maximum digital currency strategy, 5 pieces of digital currency with the currency value of 1 are generated. After the digital currency system finishes the currency transfer in the mode, the result of successful operation is returned to the initiating bank system and the clearing bank system; the successful operation result comprises an operation result returned to the initiating bank system and an operation result returned to the receiving bank system; the operation result returned to the receiving bank system includes the transferred digital currency and the information of the initiating bank; the operation result returned to the originating bank system includes execution result information of the payment.
In the event that the mode of transfer of the digital currency is determined to be split transfer mode, the step of the digital currency system transferring the digital currency in need of payment to a recipient bank according to the digital currency transfer mode includes: the digital currency system invalidates the determined digital currency to be paid, then generates a digital currency equal to the payment amount, and records an owner identification of the digital currency equal to the payment amount as the recipient bank, and finally calculates a difference between the digital currency to be paid and the payment amount, generates a digital currency equal to the difference, and records the owner identification of the digital currency equal to the difference as the originating bank. In this mode, for example, the payment amount is 120, and the digital money to be paid determined by the digital money system includes a digital money having a monetary value of 100 and a digital money having a monetary value of 50, at which time, the amount of the determined digital money is greater than the payment amount, so that the digital money system invalidates the digital money having the monetary value of 100 and the monetary value of 50, generates digital money equal to the payment amount according to a preset matching policy (i.e., the digital money having the monetary value of 100 and the digital money having the monetary value of 120, taking the minimum digital money policy as an example, generates digital money having a monetary value of 100 and digital money having a monetary value of 20, and identifies the owner of the generated digital money as the recipient bank), and calculates the difference between the digital money to be paid and the payment amount (in this example, the difference is 30), and the digital money system generates digital money equal to the difference according to the preset matching policy (taking the minimum digital money is the digital money of 50) E.g., one digital currency with a currency value of 20 and one digital currency with a currency value of 10, and identify the owner of the generated digital currency as the originating bank). After the digital currency system finishes currency transfer in the mode, the result of successful operation is returned to the initiating bank system and the receiving bank system; the successful operation result comprises an operation result returned to the initiating bank system and an operation result returned to the receiving bank system; the operation result returned to the receiving bank system includes digital currency equal to the payment amount, information of the originating bank, and the like; the operation result returned to the originating bank system includes the digital money of the balance and execution result information of the payment.
Fig. 2 is a schematic diagram of a system for inter-bank settlement using digital currency, according to an embodiment of the present invention. As shown in fig. 2, the system 20 for settlement between banks using digital currency according to the embodiment of the present invention mainly includes: an originating bank system 21, a digital currency system 22, and a receiving bank system 23; the initiating bank system 21 is used for sending the message of paying the digital currency to the receiving bank to the digital currency system; the digital currency system 22 is used for executing the operation of the preset item according to the payment request message and returning the successful operation result to the initiating bank system 21 and the receiving bank system 23, wherein the operation of the preset item comprises the step of transferring the digital currency of the initiating bank to the receiving bank; the receiving bank system 23 is used to receive the result of the operation success returned by the digital currency system 22.
The originating banking system 21 of the system 20 for inter-bank settlement using digital currency may also be used to: determining that the receiving bank can receive digital currency.
The digital currency system 22 of the system 20 for inter-bank settlement using digital currency may also be used to: determining the digital currency to be paid from the digital currency of the initiating bank according to the payment amount in the message; determining a digital currency transfer mode according to the relation between the amount of the digital currency to be paid and the payment amount; the digital money transfer mode includes: a direct transfer mode, a merge transfer mode, and a split transfer mode; and transferring the digital money needing payment to a receiving bank according to the digital money transfer mode.
The digital currency system 22 of the system 20 for inter-bank settlement using digital currency may also be used to: determining that an amount of digital currency of the originating bank is not less than the payment amount.
The digital currency system 22 of the system 20 for inter-bank settlement using digital currency may also be used to determine a mode of transfer of digital currency according to the following steps:
step A: judging whether the amount of the digital currency needing to be paid is larger than the payment amount, and if so, determining that the transfer mode of the digital currency is a split transfer mode; otherwise, executing step B;
and B: judging whether the digital currency to be paid contains digital currency which can be combined into legal amount, if so, determining that the transfer mode of the digital currency is a combined transfer mode; otherwise, determining the transfer mode of the digital money as the direct transfer mode.
When the transfer mode of the digital money is determined to be the direct transfer mode, the digital money system 22 of the system 20 for settlement between banks using digital money may be further configured to: invalidating the determined digital currency to be paid, and generating digital currency having an amount equal to the invalidated digital currency; recording the owner identification of the generated digital currency as the receiving bank.
In the event that the transfer mode of the digital currency is determined to be the merge transfer mode, the digital currency system 22 of the system 20 for settlement between banks using digital currency may also be operable to: the determined digital currency needing to be paid is voided, and digital currency with the same amount as the voided digital currency is generated according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: generating digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; the most digital currency strategy is: generating digital currency with the same amount as the invalid digital currency according to the legal amount from small to large; recording the owner identification of the generated digital currency as the receiving bank.
In the event that the transfer mode of the digital currency is determined to be split transfer mode, the digital currency system 22 of the system 20 for settlement between banks using digital currency may also be operable to: invalidating the determined digital currency to be paid; generating digital currency equal to the payment amount, and recording an owner identification of the digital currency equal to the payment amount as a recipient bank; calculating a difference between the digital currency to be paid and the payment amount, generating a digital currency equal to the difference, and recording an owner identification of the generated digital currency equal to the difference as an originating bank.
The digital currency system 22 of the system 20 for inter-bank settlement using digital currency may also be used to: the status of the determined voided digital currency is recorded as destroyed.
The digital currency system 22 of the system 20 for inter-bank settlement using digital currency may also be used to: generating digital currency equal to the payment amount according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: generating digital currency equal to the payment amount according to the statutory amount from large to small; the most digital currency strategy is: and generating digital currency equal to the payment amount according to the statutory amount from small to large.
The digital currency system 22 of the system 20 for inter-bank settlement using digital currency may also be used to: generating digital currency with the balance equal to the difference according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: generating digital currency with the same amount as the difference according to the legal amount from large to small; the most digital currency strategy is: and generating the digital currency with the amount equal to the difference according to the legal amount from small to large.
According to the technical scheme of the embodiment of the invention, direct settlement can be carried out between banks through the digital currency, so that the settlement environment is saved, the settlement efficiency is improved, the flexibility of bank settlement selection is improved, the application range of the digital currency is expanded, and the application and popularization of the digital currency are facilitated.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (23)
1. A method for inter-bank settlement using digital currency, comprising:
the initiating bank system sends the message of paying the digital currency to the receiving bank to the digital currency system; wherein the digital currency is an encryption string comprising an amount of the digital currency, an issuer identification, and an owner identification;
the digital currency system executes the operation of a preset project according to the message and returns the successful operation result to the initiating bank system and the receiving bank system, wherein the operation of the preset project comprises the step of transferring the digital currency of the initiating bank to the receiving bank;
wherein the step of the digital money system transferring the originating bank's digital money to the recipient bank comprises:
the digital currency system determines the digital currency to be paid from the digital currency of the initiating bank according to the payment amount in the message;
the digital currency system determines a digital currency transfer mode according to the relation between the amount of digital currency to be paid and the payment amount; the digital money transfer mode includes: a direct transfer mode, a merge transfer mode, and a split transfer mode;
the digital money system transfers the digital money to be paid to a recipient bank according to the digital money transfer mode.
2. The method of claim 1, wherein prior to the step of the initiating bank system sending the message to the digital money system that the initiating bank system paid for the digital money to the receiving bank, further comprising: the initiating bank system determines that the receiving bank can receive digital currency.
3. The method of claim 1, wherein the step of the digital currency system determining the digital currency to be paid from the originating bank's digital currency is preceded by the step of:
the digital currency system determines that the amount of digital currency of the originating bank is not less than the payment amount.
4. The method of claim 3, wherein the step of the digital money system determining the transfer mode of the digital money based on the relationship between the amount of digital money to be paid and the payment amount comprises:
step A: the digital currency system judges whether the amount of the digital currency needing to be paid is larger than the payment amount, and if so, the digital currency transfer mode is determined to be a split transfer mode; otherwise, executing step B;
and B: the digital currency system judges whether the digital currencies to be paid contain digital currencies which can be combined into legal amount, if so, the digital currency transfer mode is determined to be a combined transfer mode; otherwise, determining the transfer mode of the digital money as the direct transfer mode.
5. The method of claim 4, wherein in the event that the mode of transfer of digital currency is determined to be a direct transfer mode, the step of the digital money system transferring the digital currency in need of payment to a recipient bank according to the digital currency transfer mode comprises:
the digital currency system invalidates the determined digital currency to be paid and generates digital currency with an amount equal to the invalidated digital currency;
the digital currency system records the owner identification of the generated digital currency as the receiving bank.
6. The method of claim 4, wherein in the event that the mode of transfer of digital currency is determined to be a consolidated transfer mode, the step of the digital money system transferring the digital currency in need of payment to a recipient bank according to the digital currency transfer mode comprises:
the digital currency system invalidates the determined digital currency needing to be paid, and generates digital currency with the same amount as the invalidated digital currency according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency with the same amount as the invalid digital currency according to the statutory amount from small to large;
the digital currency system records the owner identification of the generated digital currency as the receiving bank.
7. The method of claim 4, wherein in the event that the mode of transfer of digital currency is determined to be split transfer mode, the step of the digital money system transferring the digital currency in need of payment to a recipient bank in accordance with the digital currency transfer mode comprises:
the digital currency system invalidates the determined digital currency to be paid;
the digital currency system generates digital currency equal to the payment amount and records the owner identification of the digital currency equal to the payment amount as the receiving bank;
the digital currency system calculates a difference between the digital currency to be paid and the payment amount, generates digital currency equal to the difference, and records an owner identification of the generated digital currency equal to the difference as an originating bank.
8. The method according to any one of claims 5 to 7, wherein the step of the digital currency system invalidating the determined digital currency requiring payment comprises: the digital currency records the status of the determined voided digital currency as a destruction.
9. The method of claim 7, wherein the step of the digital currency system generating digital currency equivalent to the payment amount comprises: the digital currency system generates digital currency equal to the payment amount according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: the digital currency system generates digital currency equal to the payment amount according to the statutory amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency equal to the payment amount according to the statutory amount from small to large.
10. The method of claim 7, wherein the step of the digital currency system generating the digital currency equivalent to the balance comprises: the digital currency system generates digital currency with the same amount as the difference according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the least digital currency strategy is: the digital currency system generates digital currency with the same amount as the difference according to the legal amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency equivalent to the balance from small to large in legal amount.
11. The method according to any one of claims 1 to 7, wherein the digital currency is a cryptographic string comprising the amount of the digital currency, an issuer identification and an owner identification.
12. A system for settling accounts between banks using digital currency, comprising: an originating bank system, a digital currency system, and a receiving bank system;
the initiating bank system is used for sending a message of paying the digital currency to the receiving bank to the digital currency system; the digital currency is an encryption string that includes an amount of the digital currency, an issuer identification, and an owner identification;
the digital currency system is used for executing the operation of a preset project according to the payment request message and returning the successful operation result to the initiating bank system and the receiving bank system, and the operation of the preset project comprises transferring the digital currency of the initiating bank to the receiving bank; wherein the step of the digital money system transferring the originating bank's digital money to the recipient bank comprises: the digital currency system determines the digital currency to be paid from the digital currency of the initiating bank according to the payment amount in the message; the digital currency system determines a digital currency transfer mode according to the relation between the amount of digital currency to be paid and the payment amount; the digital money transfer mode includes: a direct transfer mode, a merge transfer mode, and a split transfer mode; the digital money system transfers the digital money needing payment to a receiving bank according to the digital money transfer mode;
the receiving bank system is used for receiving the operation success result returned by the digital currency system.
13. The system of claim 12, wherein the originating banking system is further configured to: determining that the receiving bank can receive digital currency.
14. The system of claim 13, wherein the digital currency system is further configured to:
determining that an amount of digital currency of the originating bank is not less than the payment amount.
15. The system of claim 14, wherein the digital currency system is further configured to determine a transfer mode for the digital currency according to the steps of:
step A: judging whether the amount of the digital currency needing to be paid is larger than the payment amount, and if so, determining that the transfer mode of the digital currency is a split transfer mode; otherwise, executing step B;
and B: judging whether the digital currency to be paid contains digital currency which can be combined into legal amount, if so, determining that the transfer mode of the digital currency is a combined transfer mode; otherwise, determining the transfer mode of the digital money as the direct transfer mode.
16. The system according to claim 15, wherein in the event that the transfer mode of the digital currency is determined to be a direct transfer mode, the digital currency system is further configured to:
invalidating the determined digital currency to be paid, and generating digital currency having an amount equal to the invalidated digital currency;
recording the owner identification of the generated digital currency as the receiving bank.
17. The system according to claim 15, wherein in the event that the transfer mode of the digital currency is determined to be a merge transfer mode, the digital currency system is further configured to:
the determined digital currency needing to be paid is voided, and digital currency with the same amount as the voided digital currency is generated according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: generating digital currency with the same amount as the invalid digital currency according to the statutory amount from large to small; the most digital currency strategy is: generating digital currency with the same amount as the invalid digital currency according to the legal amount from small to large;
recording the owner identification of the generated digital currency as the receiving bank.
18. The system of claim 15, wherein in the event that the mode of transfer of the digital currency is determined to be a split transfer mode, the digital currency system is further configured to:
invalidating the determined digital currency to be paid;
generating digital currency equal to the payment amount, and recording an owner identification of the digital currency equal to the payment amount as a recipient bank;
calculating a difference between the digital currency to be paid and the payment amount, generating a digital currency equal to the difference, and recording an owner identification of the generated digital currency equal to the difference as an originating bank.
19. The system of any one of claims 16 to 18, the digital currency system further operable to: the status of the determined voided digital currency is recorded as destroyed.
20. The system of claim 18, wherein the digital currency system is further configured to: generating digital currency equal to the payment amount according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; the minimum digital currency policy is: generating digital currency equal to the payment amount according to the statutory amount from large to small; and generating the digital currency equal to the payment amount according to the statutory amount from small to large when the digital currency is the maximum strategy.
21. The system of claim 18, wherein the digital currency system is further configured to: generating digital currency with the balance equal to the difference according to a preset matching strategy; the preset matching strategy comprises the following steps: a least digital currency policy and a most digital currency policy; when the minimum digital currency strategy is adopted, generating digital currency with the amount equal to the difference according to the statutory sum from large to small; and when the digital currency strategy is the maximum, generating the digital currency with the amount equal to the difference according to the statutory sum from small to large.
22. The system according to any one of claims 12 to 18, wherein the digital currency is a cryptographic string comprising an amount of the digital currency, an issuer identification and an owner identification.
23. A computer-readable storage medium having computer instructions stored thereon, the computer instructions being executable by a computer or a computer system to cause the computer or computer system to perform the method of any one of claims 1 to 11.
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| CN109272403A (en) * | 2018-07-31 | 2019-01-25 | 北京比特大陆科技有限公司 | A kind of method and apparatus for supporting digital cash to trade |
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