CN108629688A - Digital cash management method and system based on the triggering of time point condition - Google Patents

Digital cash management method and system based on the triggering of time point condition Download PDF

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Publication number
CN108629688A
CN108629688A CN201810252498.9A CN201810252498A CN108629688A CN 108629688 A CN108629688 A CN 108629688A CN 201810252498 A CN201810252498 A CN 201810252498A CN 108629688 A CN108629688 A CN 108629688A
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China
Prior art keywords
digital cash
time point
timing information
validation request
condition
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CN201810252498.9A
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Chinese (zh)
Inventor
姚前
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Digital Money Research Institute Of People's Bank Of China
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Digital Money Research Institute Of People's Bank Of China
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Priority to CN201810252498.9A priority Critical patent/CN108629688A/en
Publication of CN108629688A publication Critical patent/CN108629688A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • G06Q40/025Credit processing or loan processing, e.g. risk analysis for mortgages

Abstract

The invention discloses the digital cash management methods and system that are triggered based on time point condition, are related to digital cash technical field.One specific implementation mode of this method includes:Digital cash is issued to financial institution, and sets the status information of the digital cash to Pending The Entry Into Force state;The digital cash validation request that the financial institution sends is received, the corresponding timing information of the validation request is obtained;When the timing information meets preset time point condition, it sets the status information of the digital cash to active states.The embodiment of the present invention can effectively solve the problem that the sex chromosome mosaicism instantly of existing monetary policy operation, the time point that currency comes into force is set to be not limited to note issuance instantly, but it is extended to the following a certain time point for meeting policy goals, it avoids currency from dallying, reduces monetary transmission time lag.

Description

Digital cash management method and system based on the triggering of time point condition
Technical field
The present invention relates to digital cash technical field more particularly to a kind of digital cash management based on the triggering of time point condition Method and system.
Background technology
The transaction payment of existing legal tender be in real time, instantly, therefore the Central Bank to the control of currency be also in real time, Instantly.Fig. 1 is the schematic diagram of money management method in the prior art.As shown in Figure 1, in t-1When, the Central Bank is based on instantly Economic information formulates monetary policy, in t0When to business bank launch currency, business bank is in t1When by money advance give entity look forward to Industry or invested assets market.
Currency put into circulation instantly, the Central Bank is to lose control to currency, and whether currency can eventually flow to entity portion Whether door can realize the policy goals that the Central Bank is intended to, and give each side's strength except the Central Bank and because usually determining, So as to cause the unsmooth of monetary transmission or failure, cause the policies predicament such as funds flow property market rather than mortar businesses. For example the bank credit in the U.S. only has very little ratio (about 3% to 15%) to flow into real economy, is more to have flowed to assets Market.In China, the phenomenon that currency " de- real to void ", equally exists, and China's Financial industry value addeds in 2015 and GDP ratios are 8.5%, it is higher than 1.5 percentage points of the U.S., many funds self recycle inside financial system, do not enter into real economy.
In addition, the property instantly of monetary policy operation means that Central Bank's decision is based on the history economics letter before instantly It ceases, i.e. t in Fig. 1-1Economic information before, and when currency is in t1When Shi Liuxiang mortar businesses, economic scene has occurred that change Change, therefore even if monetary policy operation instantly, Central Bank's decision is optimal, but when lag it is then not necessarily optimal.
Therefore, the prior art is badly in need of solving currency idle running, monetary policy biography caused by losing to the control of currency The problems such as leading time lag.
Invention content
In view of this, the embodiment of the present invention is provided a kind of digital cash management method triggered based on time point condition and is System can effectively solve the problem that the sex chromosome mosaicism instantly of existing monetary policy operation, the time point that currency comes into force made to be not limited to note issuance Instantly, but it is extended to the following a certain time point for meeting policy goals, avoids currency from dallying, when reducing monetary transmission It is stagnant.
To achieve the above object, one side according to the ... of the embodiment of the present invention provides a kind of based on the triggering of time point condition Digital cash management method.
Digital cash management method according to the ... of the embodiment of the present invention based on the triggering of time point condition, including:
Digital cash is issued to financial institution, and sets the status information of the digital cash to Pending The Entry Into Force state;
The digital cash validation request that the financial institution sends is received, the corresponding time point letter of the validation request is obtained Breath;
When the timing information meets preset time point condition, the status information of the digital cash is set as coming into force State.
Optionally, the preset time point condition includes:The corresponding timing information of validation request is not later than preset come into force Time point;Alternatively, the corresponding timing information of validation request is no earlier than the preset time point that comes into force;Alternatively, the corresponding time point of validation request Point range when information is no more than preset come into force.
Optionally, when the timing information meets following condition, confirm that the timing information meets preset time point item Part:When the timing information or before the timing information, the financial institution executes predetermined registration operation to digital cash.
Optionally, the predetermined registration operation includes:Digital cash is lent preset prospective borrower by the financial institution.
Optionally, further include at least one of before setting the status information of the digital cash to active states:
(1) the acquisition validation request is corresponding flows to main body, and confirms that the main body that flows to meets preset flow direction master Concrete conditions in the establishment of a specific crime;
(2) the corresponding loan interest rate of the validation request is obtained, and confirms that the loan interest rate meets preset loan profit Rate condition.
Optionally, after setting the status information of the digital cash to active states, further include:
It determines recycling time point when recycling the digital cash, obtains the corresponding economic information of the recycling time point, and root Interest rate is given back according to what the economic information and preset economic scene condition determined the digital cash.
Another aspect according to the ... of the embodiment of the present invention provides a kind of digital cash management triggered based on time point condition System.
Digital cash according to the ... of the embodiment of the present invention based on the triggering of time point condition manages system, including:
Issuing module issues digital cash to financial institution, and the status information of the digital cash is set as not raw Effect state;
Acquisition module receives the digital cash validation request that the financial institution sends, and obtains the validation request and corresponds to Timing information;
Judgment module, when the timing information meets preset time point condition, by the status information of the digital cash It is set as active states.
Optionally, the preset time point condition includes:The corresponding timing information of validation request is not later than preset come into force Time point;Alternatively, the corresponding timing information of validation request is no earlier than the preset time point that comes into force;Alternatively, the corresponding time point of validation request Point range when information is no more than preset come into force.
Optionally, when the timing information meets following condition, confirm that the timing information meets preset time point item Part:When the timing information or before the timing information, the financial institution executes predetermined registration operation to digital cash.
Optionally, the predetermined registration operation includes:Digital cash is lent preset prospective borrower by the financial institution.
Optionally, further include at least one of before setting the status information of the digital cash to active states:
(1) the acquisition module acquisition validation request is corresponding flows to main body, and the judgment module confirms the stream Meet to main body and preset flows to bulk conditions;
(2) acquisition module obtains the corresponding loan interest rate of the validation request, and the judgment module confirms the loan Money interest rate meets preset loan interest rate condition.
Optionally, the system of the embodiment of the present invention further includes recycling module, is used for:By the status information of the digital cash It is set as after active states, determines recycling time point when recycling the digital cash, obtain the corresponding warp of the recycling time point It helps information, and interest rate is given back according to what the economic information and preset economic scene condition determined the digital cash.
One embodiment in foregoing invention has the following advantages that or advantageous effect:
(1) by the way that time point condition is arranged, it can effectively solve the problem that the sex chromosome mosaicism instantly of existing monetary policy operation, currency made to give birth to The time point of effect is not limited to note issuance instantly, but is extended to the following a certain time point for meeting policy goals, reduces currency Policy conducts time lag, and currency is avoided to dally;
(2) bulk conditions are flowed to by setting, can precisely launch qualitative digital cash, implements structural monetary policy, Currency idle running is reduced, financial service real economy ability is improved;
(3) by the way that loan interest rate condition is arranged, effective real-time conduction of the benchmark interest rate to loan interest rate can be realized;
(4) by the way that economic scene condition is arranged, financial institution can be adjusted according to the macroeconomy state conversion period to number The fund of note issuance unit gives back interest rate, to reduce the cis-periodicity of financial institution's feature of risk and its behavior of lending, from And realize economic conversion period regulation and control.
Further effect possessed by above-mentioned non-usual optional mode adds hereinafter in conjunction with specific implementation mode With explanation.
Description of the drawings
Attached drawing does not constitute inappropriate limitation of the present invention for more fully understanding the present invention.Wherein:
Fig. 1 is the schematic diagram of money management method in the prior art;
Fig. 2 is the main flow of the digital cash management method according to the ... of the embodiment of the present invention triggered based on time point condition Schematic diagram;
Fig. 3 is the signal according to the digital cash management method of alternative embodiment of the present invention triggered based on time point condition Figure;
Fig. 4 is the main modular of the digital cash management system according to the ... of the embodiment of the present invention triggered based on time point condition Schematic diagram.
Specific implementation mode
It explains to the exemplary embodiment of the present invention below in conjunction with attached 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 It arrives, various changes and modifications can be made to the embodiments described herein, without departing from scope and spirit of the present invention.Together The description to known function and structure is omitted for clarity and conciseness in sample in following description.
To achieve the above object, one side according to the ... of the embodiment of the present invention provides a kind of based on the triggering of time point condition Digital cash management method.
Fig. 2 is the main flow of the digital cash management method according to the ... of the embodiment of the present invention triggered based on time point condition Schematic diagram.As shown in Fig. 2, the digital cash management method based on the triggering of time point condition, including:
Step S201, digital cash is issued to financial institution, and the status information of the digital cash is set as not raw Effect state;
Step S202, the digital cash validation request that the financial institution sends is received, the validation request is obtained and corresponds to Timing information;
Step S203, when the timing information meets preset time point condition, by the status information of the digital cash It is set as active states.
Financial institution refers in the embodiment of the present invention, can obtain digital cash, simultaneously as the target of issue of digital cash Digital cash is circulated to enterprise or individual etc. and flows to the mechanism of object.By taking China as an example, the financial machine in the embodiment of the present invention Structure can be bank, including policy bank, business bank, villages and small towns bank;It can also be non-bank financial institution, include mainly State-owned and share-holding system insurance company, urban credit cooperatives, securities broker company (investment bank), capital company etc.;Can also be Foreign capitals, overseas Chinese funds, Chinese-foreign joint financial institution for being founded within the border etc..Any of the above financial institution is complementary to one another, and constitutes one Complete system of financial institutions.
It sets the status information of digital cash to Pending The Entry Into Force state, when time point is believed when issuing digital cash to financial institution It sets the status information of digital cash to active states when breath meets preset time point condition, can effectively solve the problem that existing currency The sex chromosome mosaicism instantly of policy operation, makes the time point that currency comes into force be not limited to note issuance instantly, but is extended to the following symbol The a certain time point for closing policy goals, avoids currency from dallying, and reduces monetary transmission time lag.
Time point condition refers to that digital cash to be made comes into force, and the time point of validation request needs the condition met.Preset time point Condition may include it is following any one:
(1) the corresponding timing information of validation request is not later than the preset time point that comes into force, such as the preset time point that comes into force is T1, The corresponding time point of validation request is T, as T≤T1, it is believed that the corresponding timing information of validation request meets the preset time point that comes into force.
By taking China Central Bank issues digital cash to business bank as an example.Central Bank is sent out according to policy rate to business bank Row digital cash.If Central Bank wishes that currency can be transmitted to real economy as early as possible, can be by the time point that comes into force of digital cash It is set as " being not later than T1 time points (T1 is the desired time point that comes into force at the latest of Central Bank) ", if this means that business bank will not be digital Currency is made loans away before T1 time points, then corresponding digital cash will not come into force and (finally be recycled by Central Bank).For this purpose, business Bank will undertake not small cost because of leave unused capital, and then, the optimizing decision of business bank is that letter is released before T1 time points It borrows, to reduce the time lag of currency idle running and monetary transmission.
(2) the corresponding timing information of validation request is no earlier than the preset time point that comes into force, such as the preset time point that comes into force is T1, The corresponding time point of validation request is T, as T >=T1, it is believed that the corresponding timing information of validation request meets the preset time point that comes into force.
By making the time point that currency comes into force be not limited to note issuance instantly, but it is extended to following a certain time point.
(3) point range when the corresponding timing information of validation request is no more than preset come into force, such as the preset time point that comes into force For T1~T2, the corresponding time point of validation request is T, as T1≤T≤T2, it is believed that the corresponding timing information of validation request meets pre- If the time point that comes into force.
By the way that point range when coming into force of currency is arranged, convenient for effectively management digital cash.
When timing information meets following condition, it can be identified that the timing information meets preset time point condition:Time point When information or before timing information, financial institution executes predetermined registration operation to digital cash.Predetermined registration operation may include:Financial machine Digital cash is lent preset prospective borrower by structure.
By taking China Central Bank issues digital cash to business bank as an example.For example Central Bank wishes digital cash only in quotient It can just come into force when industry bank externally provides a loan, then time point that digital cash can come into force is set as, " business bank is to business loan Time point ", this is equivalent to come into force digital cash and be bound with commercial bank loans activity, if business bank is not to enterprise Loan, currency does not come into force then, so as to avoid " idle running " of the digital cash in business bank's system.
Optionally, before setting the status information of the digital cash to active states, the method for the embodiment of the present invention It can also include at least one of:
(1) the acquisition validation request is corresponding flows to main body, and confirms that the main body that flows to meets preset flow direction master Concrete conditions in the establishment of a specific crime.
Flowing to bulk conditions refers to, digital cash to be made comes into force, and the corresponding main body that flows to of validation request needs the item met Part.For example the Central Bank is intended to encourage the credit of mortar businesses, then the scope of subject that digital cash can come into force is set as " loan main body is mortar businesses ", this allows for digital cash and flows to mortar businesses, effectively realizes that policy is intended to.It is central for another example Bank is intended to the credit of control real-estate market, then the scope of subject that digital cash can come into force is set as " loan main body Cannot be program of real estate enterprise ", this just controls the fund for flowing to real-estate market, effectively realizes that policy is intended to.Furthermore if The Central Bank be intended to control the too fast rise of assets price, then the scope of subject that currency can be come into force be set as " loan main body can not To be the buyer or investor of certain assets ", to effectively currency be avoided to dally, take off empty to reality.
Bulk conditions are flowed to by setting, can precisely be launched qualitative digital cash, be implemented structural monetary policy, reduce Currency dallies, and improves financial service real economy ability.
(2) the corresponding loan interest rate of the validation request is obtained, and confirms that the loan interest rate meets preset loan profit Rate condition.
Loan interest rate condition refers to that digital cash to be made comes into force, and the corresponding loan interest rate of validation request needs the item met Part.For example, prespecified when digital cash is issued, business bank must be equal to " when providing a loan generation the loan interest rate of enterprise Point (such as the t in Fig. 31) benchmark interest rate " plus-minus is " in note issuance time point (such as the t in Fig. 30) the determining credit base of auction Difference ".The former is the benchmark interest rate for meeting central banking policy intention, and the latter is then that business bank passes through market in note issuance It auctions and determines credit basis.If the corresponding loan interest rate of validation request meets preset loan interest rate condition, by digital goods The status information of coin is set as active states;Otherwise, continue to keep Pending The Entry Into Force state.Design in this way, business bank pair The loan interest rate of enterprise not only reflects real-time benchmark interest rate, while further comprising the commercial intention of business bank.Therefore, lead to Cross the setting of this condition so that benchmark interest rate can be effectively conducted in real time to loan interest rate.
Optionally, after setting the status information of the digital cash to active states, the method for the embodiment of the present invention Can also include:It determines recycling time point when recycling the digital cash, obtains the corresponding economic information of the recycling time point, and Interest rate is given back according to what the economic information and preset economic scene condition determined the digital cash.
Economic information refers to the information being had an impact to economical operation.Economic scene condition refers to digital cash to be adjusted Give back interest rate, the economic information for recycling time point needs the condition that meets.It, can be according to macroscopic view by the way that economic scene condition is arranged The economic scene conversion period adjustment business bank give back interest rate to the fund of the Central Bank, to reduce Commercial Bank Risk feature and The cis-periodicity of its behavior of lending, to realize economic conversion period regulation and control.
By taking China Central Bank issues digital cash to business bank as an example.After business bank withdraws credit (in Fig. 3 t2Time point), digital cash is returned into the Central Bank.At this point, can be there are two types of pattern.One is giving back interest rate not adjustment modes, I.e. business bank is according in digital cash distribution time point t0Determining policy rate is auctioned, Central Bank is given back.Another is to give back Interest rate adjustment pattern:By legal digital coin systems according to t2The economic information of time point, judges whether it meets preset economy Status condition, that is, judge whether preset economic scene condition triggers, if triggering (see the 4. economic scene triggering in Fig. 3), Then interest rate is given back in adjustment, otherwise, does not adjust and gives back interest rate, and it is in note issuance time point t to give back interest rate still0Auction determining policy Interest rate.
Obviously, the above design reduces the macroeconomy risk that financial institution (such as business bank) faces, when economical good, The loan fund cost of financial institution (such as business bank) is improved, when economical bad, reduction financial institution (such as commercial silver Row) loan fund cost, or even give and subsidize, to reduce the cis-periodicity row of financial institution (such as business bank) For, and give the stable profit of financial institution (such as business bank) one and be expected, even if in economic depression, financial institution (such as business bank) is also ready to make loans, to effectively solve to be led to due to financial institution (such as business bank) avoids risk " liquidity trap " problem.
Fig. 3 is the signal according to the digital cash management method of alternative embodiment of the present invention triggered based on time point condition Figure.As shown in figure 3, the Central Bank is based on the (t in Fig. 3 instantly-1Time point) economic information formulate monetary policy, digital cash pipe Reason method includes:
The Central Bank issues digital cash, the letters such as prediction condition of Central Bank's setting by credit auction mechanism to business bank Breath manages System Programming and storage by digital cash.(the t in Fig. 3 when digital cash is issued0Time point), digital cash is not given birth to Effect.Information, that is, preset time point the conditions such as the prediction condition of Central Bank's setting are (for example, the corresponding time point of the validation request of digital cash The t that must be not later than in Fig. 31Time point, if being later than t1Time point, then digital cash do not come into force;Or it is set as only when business bank borrows When money occurs, digital cash just comes into force, and otherwise digital cash does not come into force;Specific time point condition is by the Central Bank according to policy goals Flexibly setting), flow to bulk conditions, loan interest rate condition;
After digital cash distribution, business bank is in t1Time point is provided a loan outward.Credit information is sent to number by business bank Currency managing system, request digital cash come into force;
After digital cash management system is connected to validation request, according to credit information, " the time point item of Central Bank's setting is judged Whether part ", " flowing to bulk conditions ", " loan interest rate condition " meet.If satisfied, then digital cash comes into force;
It flows to after digital cash returns to financial institution by main body according to the loan interest rate of agreement, financial institution is by digital goods Coin returns to the Central Bank, the removal process of this process, that is, digital cash.At this point, when determining recycling when recycling digital cash Point obtains the corresponding economic information of recycling time point, and determines institute according to the economic information and preset economic scene condition That states digital cash gives back interest rate.
Another aspect according to the ... of the embodiment of the present invention provides a kind of digital cash management triggered based on time point condition System.
Fig. 4 is the main modular of the digital cash management system according to the ... of the embodiment of the present invention triggered based on time point condition Schematic diagram.As shown in figure 4, the digital cash based on time point triggering manages system 400, including:
401 issuing modules issue digital cash to financial institution, and set not the status information of the digital cash to Active states;
402 acquisition modules receive the digital cash validation request that the financial institution sends, obtain the validation request pair The timing information answered;
403 judgment modules believe the state of the digital cash when the timing information meets preset time point condition Breath is set as active states.
Optionally, the preset time point condition includes:The corresponding timing information of validation request is not later than preset come into force Time point;Alternatively, the corresponding timing information of validation request is no earlier than the preset time point that comes into force;Alternatively, the corresponding time point of validation request Point range when information is no more than preset come into force.
Optionally, when the timing information meets following condition, confirm that the timing information meets preset time point item Part:When the timing information or before the timing information, the financial institution executes predetermined registration operation to digital cash.
Optionally, the predetermined registration operation includes:Digital cash is lent preset prospective borrower by the financial institution.
Optionally, further include at least one of before setting the status information of the digital cash to active states:
(1) the acquisition module acquisition validation request is corresponding flows to main body, and the judgment module confirms the stream Meet to main body and preset flows to bulk conditions;
(2) acquisition module obtains the corresponding loan interest rate of the validation request, and the judgment module confirms the loan Money interest rate meets preset loan interest rate condition.
Optionally, the system of the embodiment of the present invention further includes recycling module (not shown), is used for:By the digital goods The status information of coin is set as after active states, is determined recycling time point when recycling the digital cash, is obtained the recycling The corresponding economic information of time point, and returning for the digital cash is determined according to the economic information and preset economic scene condition Also interest rate.
One embodiment in foregoing invention has the following advantages that or advantageous effect:
(1) status information of digital cash is set to Pending The Entry Into Force state, at that time when issuing digital cash to financial institution It sets the status information of digital cash to active states when point information meets preset time point condition, can effectively solve the problem that existing The sex chromosome mosaicism instantly of monetary policy operation, makes the time point that currency comes into force be not limited to note issuance instantly, but is extended to not Meet a certain time point of policy goals, reduces monetary transmission time lag, and currency is avoided to dally;
(2) bulk conditions are flowed to by setting, can precisely launch qualitative digital cash, implements structural monetary policy, Currency idle running is reduced, financial service real economy ability is improved;
(3) by the way that loan interest rate condition is arranged, effective real-time conduction of the benchmark interest rate to loan interest rate can be realized;
(4) by the way that economic scene condition is arranged, business bank can be adjusted according to the macroeconomy state conversion period to center The fund of bank gives back interest rate, to reduce the cis-periodicity of Commercial Bank Risk feature and its behavior of lending, to realize warp The conversion period of Ji regulates and controls.
Flow chart in attached drawing and block diagram, it is illustrated that according to the system of various embodiments of the invention, method and computer journey The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation A part for a part for one module, program segment, or code of table, above-mentioned module, program segment, or code includes one or more Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical On can be basically executed in parallel, they can also be executed in the opposite order sometimes, this is depended on the functions involved.Also it wants It is noted that the combination of each box in block diagram or flow chart and the box in block diagram or flow chart, can use and execute rule The dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instruction It closes to realize.
Above-mentioned specific implementation mode, does not constitute limiting the scope of the invention.Those skilled in the art should be bright It is white, design requirement and other factors are depended on, various modifications, combination, sub-portfolio and replacement can occur.It is any Modifications, equivalent substitutions and improvements made by within the spirit and principles in the present invention etc., should be included in the scope of the present invention Within.

Claims (10)

1. the digital cash management method based on the triggering of time point condition, which is characterized in that including:
Digital cash is issued to financial institution, and sets the status information of the digital cash to Pending The Entry Into Force state;
The digital cash validation request that the financial institution sends is received, the corresponding timing information of the validation request is obtained;
When the timing information meets preset time point condition, it sets the status information of the digital cash to the shape that comes into force State.
2. the method as described in claim 1, which is characterized in that the preset time point condition includes:Validation request is corresponding Timing information is not later than the preset time point that comes into force;Alternatively, the corresponding timing information of validation request is no earlier than the preset time point that comes into force; Alternatively, point range when the corresponding timing information of validation request is no more than preset come into force.
3. the method as described in claim 1, which is characterized in that when the timing information meets following condition, described in confirmation Timing information meets preset time point condition:When the timing information or before the timing information, the financial institution pair Digital cash executes predetermined registration operation.
4. the method as described in claim 1, which is characterized in that set the status information of the digital cash to active states Before, further include at least one of:
(1) obtain that the validation request is corresponding to flow to main body, and confirm it is described flow to main body and meet preset flow to main body bar Part;
(2) the corresponding loan interest rate of the validation request is obtained, and confirms that the loan interest rate meets preset loan interest rate item Part.
5. the method as described in claim 1, which is characterized in that set the status information of the digital cash to active states Later, further include:
It determines time point when returning when recycling the digital cash, obtains the corresponding economic information of the recycling time point, and according to institute It states economic information and what preset economic scene condition determined the digital cash gives back interest rate.
6. the digital cash based on the triggering of time point condition manages system, which is characterized in that including:
Issuing module issues digital cash to financial institution, and sets the status information of the digital cash to Pending The Entry Into Force shape State;
Acquisition module receives the digital cash validation request that the financial institution sends, obtain the validation request it is corresponding when Point information;
The status information of the digital cash is arranged when the timing information meets preset time point condition for judgment module For active states.
7. system as claimed in claim 6, which is characterized in that the preset time point condition includes:Validation request is corresponding Timing information is not later than the preset time point that comes into force;Alternatively, the corresponding timing information of validation request is no earlier than the preset time point that comes into force; Alternatively, point range when the corresponding timing information of validation request is no more than preset come into force.
8. system as claimed in claim 6, which is characterized in that when the timing information meets following condition, described in confirmation Timing information meets preset time point condition:When the timing information or before the timing information, the financial institution pair Digital cash executes predetermined registration operation.
9. system as claimed in claim 6, which is characterized in that set the status information of the digital cash to active states Before, further include at least one of:
(1) the acquisition module acquisition validation request is corresponding flows to main body, and the judgment module confirms the flow direction master Body, which meets, preset flows to bulk conditions;
(2) acquisition module obtains the corresponding loan interest rate of the validation request, and the judgment module confirms the loan profit Rate meets preset loan interest rate condition.
10. system as claimed in claim 6, which is characterized in that further include recycling module, be used for:By the digital cash Status information is set as after active states, is determined recycling time point when recycling the digital cash, is obtained the recycling time point Corresponding economic information, and give back profit according to what the economic information and preset economic scene condition determined the digital cash Rate.
CN201810252498.9A 2018-03-26 2018-03-26 Digital cash management method and system based on the triggering of time point condition Pending CN108629688A (en)

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姚前: "理解央行数字货币:一个系统性框架", 《中国科学:信息科学》 *

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Application publication date: 20181009