CN110009485A - A kind of digital asset payment and settlement method based on block chain technology - Google Patents
A kind of digital asset payment and settlement method based on block chain technology Download PDFInfo
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- CN110009485A CN110009485A CN201910216704.5A CN201910216704A CN110009485A CN 110009485 A CN110009485 A CN 110009485A CN 201910216704 A CN201910216704 A CN 201910216704A CN 110009485 A CN110009485 A CN 110009485A
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The present invention relates to block chain technical fields, specifically disclose a kind of digital asset payment and settlement method based on block chain technology, comprising: are exchanged with digital asset application and promise to undertake payment voucher；The feasibility of application is exchanged in judgement；After confirmation is exchanged, then corresponding amount information of exchanging is charged into block；When initiating to promise to undertake payment voucher payment request, the comparison of payment amount size is carried out, pays amount to determine；When voucher fund is to account, progress transfers clearing automatically, and the record corresponding data information on block.Digital asset payment and settlement method provided by the invention based on block chain technology, the promise payment voucher amount that the downstream obtained in process of exchange is paid can be used for the payment of its payment for goods of trading by each trader of platform, and then form the payment of account payable, found it is a kind of it is negotiable, can finance, voucher is really weighed in detachable standardization, the flowing for accelerating market fund, substantially increases trading efficiency.
Description
Technical field
The present invention relates to block chain technical fields, and in particular to a kind of digital asset payment and settlement based on block chain technology
Method.
Background technique
There are various electric business platforms in existing market, and this numerous electric business platform is independent from each other, even if same
User is registered as member in several platforms, different assets is possessed in these platforms, but because these platforms are phases
It is mutually independent, therefore these assets are unable to intercommunication, and can only circulate in a platform.This for a user, undoubtedly
It is a big drawback；Especially for the electric business platform of supply chain as a whole, for the upper of user itself and user
Downstream supplier, assets are stagnated and cannot be circulated, and very big loss will be undoubtedly brought.
In this regard, the present inventor having submitted one before, entitled " a kind of digital asset based on block chain technology is mutual
The application for a patent for invention of circulation method ", application No. is 2019100758549, in this part application scheme, current inventor provides one
The convenient effective digital asset interoperability methods of kind can be connected to more transaction scene equity, to inter-trade, trade side, buying
Fang Shixian all-win；This digital asset interoperability methods essentially consist in the digital asset between the different user by different platform into
Row is exchanged to further use, to activate more assets utilizations；It, can be to exchange acquisition after these digital assets are exchanged
Unified assets amount goes payment to buy other commodity；However, in real trade scene, when the assets amount of exchange is not enough to prop up
When paying purchase or the time limit of assets amount does not meet payment and requires, and how this carries out payment and settlement again for that, this is in industry
It faces and another technical problem to be solved.
Summary of the invention
In order to solve problem existing in the prior art, the purpose of the present invention is to provide a kind of effective and feasible based on area
The digital asset payment and settlement method of block chain technology, so that each trader can hold what the upstream and downstream obtained in process of exchange was paid
Promise payment voucher amount effective for its trade payment for goods payment, and then formed account payable payment, provided for payment and settlement
Another optional and effective mode.
To achieve the above object, the present invention uses following scheme.
A kind of digital asset payment and settlement method based on block chain technology, comprising:
It is exchanged with digital asset to block chain digital asset ecology alliance system application and promises to undertake payment voucher；
The digital asset of block chain digital asset ecology alliance system exchanges the feasibility that application is exchanged in auditing module judgement；Such as may be used
Row, system exchanges rule and provide to exchange amount and feed back to applicant automatically according to digital asset to be confirmed；It is such as infeasible, then it feeds back
Infeasibility information is to applicant, and each node broadcasts auditing result information on alliance's block chain；
After applicant receives the amount of Contemporary Digital assets exchange, it is confirmed whether to exchange, such as confirmation is exchanged, then to block chain number
The confirmation of assets ecology alliance system is exchanged, and the digital asset of block chain digital asset ecology alliance system exchanges module for exchange
Assets information and the promise payment voucher amount information of exchange charge to block；And block is transferred in block record digital asset
Chain digital asset ecology alliance system freezes；
When applicant initiates to promise to undertake payment voucher payment request, then the promise payment of block chain digital asset ecology alliance system
Unused, the time of payment of voucher payment module statistics present application side after the time for currently initiating payment request and promise to undertake
The time limit of payment is less than the full amount M of the promise payment voucher of current transaction time limit of payment in payment voucher, and according to applicant
Account fund Z, the pending payment amount Y of transmission carry out the comparison of amount size；
It is more than or equal to Y as the sum of M and Z are more than or equal to Y and M, then needing promise of payment payment voucher amount is Y；
It is less than Y as the sum of M and Z are more than or equal to Y and M, then needing promise of payment payment voucher amount is M；
If the sum of M and Z are less than Y, then notify applicant: account fund and promise payment voucher amount are insufficient, payment failure；
Block chain digital asset ecology alliance system monitors applicant for exchanging the money for promising to undertake the digital asset of payment voucher
After item to account, fund is transferred into block chain digital asset ecology alliance system account automatically；Also, digital asset settlement module
Automatically the promise payment voucher amount whereabouts exchanged according to the digital asset recorded on block chain records corresponding fund on block
Under amount to corresponding user name, and record Contemporary Digital assets promise to undertake that the correspondence amount of payment voucher is zero, carry out corresponding
Fund is transferred, and each node broadcasts digital asset block information on alliance's block chain, each node receive the block information of broadcast
Afterwards, corresponding promise payment voucher data processing is carried out.
As a preferred embodiment, in promise of payment payment voucher, preferentially to promise to undertake the payment voucher time limit of payment close to goods
The money time limit and lesser promise payment voucher amount of amount is paid, and record applicant on block and promise to undertake payment voucher
Payment information, after completing to promise to undertake payment voucher payment, then block chain digital asset ecology alliance system is held to each node broadcasts
The payment information of promise payment voucher after each node receives the block information of broadcast, carries out corresponding digital asset information processing.
As a preferred embodiment, when applicant initiates to promise to undertake payment voucher payment request, applicant first selects preferentially to prop up
Pay type: preferential using promise payment voucher or account fund.
Specifically, as applicant selects preferentially then to join to block chain digital asset ecology using payment voucher amount is promised to undertake
Alliance's system is initiated to promise to undertake payment voucher payment request to be paid；When promising to undertake that payment voucher is not enough paid the bill, then provided with account
Gold supplement payment；
It such as selects preferentially to use account fund, if account fund is enough, then directly completes the branch of account fund at transaction platform end
It pays, is used if not enough and promise to undertake payment voucher supplement payment, and initiated promise to block chain digital asset ecology alliance system and pay
Money voucher payment request is to complete to pay.
Preferably, block chain digital asset ecology alliance system monitors applicant for exchanging the number for promising to undertake payment voucher
After the fund to account of word assets, fund is transferred into block chain digital asset ecology alliance system account automatically, and according to preparatory
Exchange proportion incorporate remaining proportion fund into block chain digital asset ecology alliance system as risk-reward gold and own.
In addition, further including carrying out the applicant that digital asset exchanges application, in block chain digital asset ecology alliance system
Unique account is generated, and is associated with applicant at the made out a bill family of each platform, applicant exchanges or hands in each platform application
The total fund remaining sum of the total promise payment amount remaining value and promise payment voucher gathering easily taken in is recorded in block chain number
Assets ecology alliance system is simultaneously synchronized to each platform.
In addition, further include, after promising to undertake that payment voucher reaches the gathering time limit, and when system does not monitor account information, then
The warning that expires of the automatic Sending Payments of system is given to corresponding trade side and block chain digital asset ecology alliance system administrator；To
After monitoring account information or trade side's active extra money, then automatic trigger settles accounts intelligent contract module and carries out fund clearing.
Digital asset payment and settlement method based on block chain technology of the invention can be used computer program and realize automatically,
Therefore the present invention also provides a kind of computer readable storage devices, are stored with computer program, the computer program is located
Reason device is executed to realize the digital asset payment and settlement method based on block chain technology.
Meanwhile the present invention also provides corresponding terminal, systems to realize the above-mentioned digital asset based on block chain technology
Payment and settlement method.
Beneficial effects of the present invention: the present invention provides a kind of digital asset payment and settlement sides based on block chain technology
The promise payment voucher amount that the downstream obtained in process of exchange is paid can be used for its payment for goods of trading by method, each trader of platform
Payment, and then form the payment of account payable, found it is a kind of it is negotiable, can finance, voucher is really weighed in detachable standardization, accelerate city
The flowing of field fund, substantially increases trading efficiency, while also improving the market competitiveness of supply chain Shang Ge enterprise.
Specific embodiment
For the ease of the understanding of those skilled in the art, below with reference to embodiment, the present invention is further illustrated, real
The content that the mode of applying refers to not is limitation of the invention.
The embodiment of the invention provides a kind of digital asset payment and settlement method and system based on block chain technology.
The technology of the present invention mainly applies Tencent TrustSQL and the super account book of Ali, using Baas framework, realizes by each flat
Alliance's chain that platform server, platform side administrator, platform trader, platform purchaser, block platform chain administrator are formed.Specifically
Ground, block chain digital asset ecology alliance system provides a set of common interface for each platform, for handling each platform service and area
The data of block chain digital asset ecology alliance system are docked.
Digital asset payment and settlement method based on block chain technology includes:
Before digital asset is for payment and settlement, it is necessary first to carry out intercommunication exchange to digital asset.
1, each platform trader can with digital asset (including quotient holds, silver is held, answer receipt on account or other can turn within certain time limit
Turn to the digital asset of fund) it is exchanged to block chain digital asset ecology alliance system application and promises to undertake payment voucher.
2, after the digital asset exchange auditing module of block chain digital asset ecology alliance system receives interface message, by examining
Whether core person is one week (specific according to digital asset information authenticity (when necessary, can carry out investigating under line), assets gathering time limit
Time limit can set according to practical application scene) after and digital asset collecting account whether be controllable account of platform etc. come
Feasibility is exchanged in judgement, and if feasible, system is provided automatically according to digital asset exchange rule setting exchanges amount and feed back to flat
Platform trader confirmation；It is such as infeasible, then it feeds back infeasibility information and gives platform trader, and each node is wide on alliance's block chain
Broadcast auditing result information.
Wherein, rule setting is exchanged predominantly according to some rule setting exchange proportions, and including but not limited to (1) is according to real
When big data system in price of goods fluctuation proportional region be arranged an exchange proportion；(2) according to the value of cargo type itself
An exchange proportion is arranged in grade；Or other can be increased and exchange rule, the weighting of the final exchange regular ratios according to setting
Average value obtains final exchange proportion.
3, after platform trader receives the amount that Contemporary Digital assets are exchanged, it is confirmed whether to exchange, such as confirmation is exchanged, then is put down
Platform trader's node, which is confirmed by platform to block chain digital asset ecology alliance system, to be exchanged, block chain digital asset ecology connection
The digital asset of alliance's system exchanges module and the assets information of exchange and the promise payment voucher information of exchange is charged to block, wraps
Assets information, total assets are included, exchanges and promises to undertake payment voucher amount, the corresponding fund amount of digital asset, assets gathering time limit
Etc. information, and be transferred to block chain digital asset ecology alliance system in block record digital asset and freeze, block chain number money
It generates state alliance system to have the right monitor supervision platform trader's collecting account information, and each node broadcasts number money on alliance's block chain
Producing region block message after each platform nodes receive the block information of broadcast, carries out corresponding digital asset information processing, and promise to undertake
Payment voucher data processing.
4, after platform trader carries out digital asset exchange, in process of exchange, number is can be used in platform trader
What assets were exchanged promises to undertake that payment voucher carries out the payment of payment for goods.
When payment, platform trader first selects liquidation expenses are to be paid,as a matter of priority type (preferential using promise payment voucher or account fund).
It such as selects preferentially then to initiate to promise to undertake payment voucher to block chain digital asset ecology alliance system using payment voucher amount is promised to undertake
Payment request is to be paid；When promising to undertake that payment voucher is not enough paid the bill, is then supplemented and paid the bill with account fund；
It such as selects preferentially to use account fund, if account fund is enough, then directly completes the branch of account fund at transaction platform end
It pays, is used if not enough and promise to undertake payment voucher supplement payment, and initiated promise to block chain digital asset ecology alliance system and pay
Money voucher payment request is to complete to pay.
When platform trader initiates payment request, platform trader's node is raw to block chain digital asset by current platform
It is excellent that state alliance system sends account fund (Z), pending payment information (including pending payment amount Y, receiver information etc.) and payment
The data-interfaces such as first type, and initiate to promise to undertake payment voucher payment request, promise to undertake that payment voucher payment module counts current platform
The unused of trader, the time of payment are after the time for currently initiating payment request and promise to undertake that the time limit of payment is small in payment voucher
It selects preferentially in the full amount (M) of the promise payment voucher for time limit of payment of currently trading, such as platform trader using promise payment
Voucher payment, then system compares the size of (M+Z) and Y.
If (M+Z) is more than or equal to Y and M >=Y, then needing promise of payment payment voucher amount is Y；
If (M+Z) is more than or equal to Y and M < Y, then needing promise of payment payment voucher amount is M；
Such as (M+Z) is less than Y, then notification platform trader: account fund and promise payment voucher amount are insufficient, pay failure.
System is in promise of payment payment voucher, preferentially to promise to undertake the payment voucher time limit of payment close to payment for goods time limit and amount
Lesser promise payment voucher amount is paid, and is recorded current platform trader on block and promised to undertake payment voucher to seller
Payment information (include: assets information, total assets, exchange promise to undertake payment voucher amount, corresponding digital asset capital amount
Spend, the assets gathering information such as time limit and current trade order), after completing to promise to undertake payment voucher payment, then block chain is digital
Assets ecology alliance system promises to undertake the payment information of payment voucher to each node broadcasts, after platform receives the block information of broadcast,
Corresponding digital asset information processing is carried out, if this transaction relates to account fund payment, then platform completes platform trade
The account fund of quotient is paid.
5, after the corresponding payment to account of the voucher of platform trader under one's name, the intelligence of block chain digital asset ecology alliance system
Payment voucher settlement mechanism is promised to undertake in energy contract module triggering, is corresponded to and is promised to undertake payment voucher amount holder, progress digital asset
The clearing of fund with transfer.
Specifically, after platform trader is used to exchange the payment for goods to account for the digital asset for promising to undertake payment voucher, block chain number
After word assets ecology alliance system monitors corresponding payment for goods to account, block chain digital asset ecology alliance is transferred into payment for goods automatically
System account, after block chain digital asset ecology alliance system receives corresponding payment for goods, digital asset settlement module presses block automatically
The promise payment voucher amount whereabouts that the digital asset recorded on chain is exchanged records corresponding amount to corresponding user name on block
Under, it carries out corresponding fund and transfers, and Contemporary Digital assets promise to undertake that the correspondence amount of payment voucher is denoted as zero, remaining payment for goods
Return block chain digital asset ecology alliance system all, and each node broadcasts digital asset block information on alliance's block chain,
After each platform nodes receive the block information of broadcast, corresponding promise payment voucher data processing is carried out.
For example, platform trader A held with 1,000,000 quotient exchanged 800,000 promise payment voucher (assuming that
On January 20th, 2019 expires, number 20190120000001), honoured with 500,000 silver changed 450,000 promise payment voucher
(assuming that on January 23rd, 2019 expires, number 20190123000001), on January 19th, 2019, platform trader A was with holding
Promise payment voucher has purchased 500,000 commodity of platform trader B, then system promises to undertake payment with the 800000 of 20190120000001
50 general-purposes in voucher are in payment, corresponding this 20190120000001 promise payment voucher amount note of platform trader A
Record is (80-50=300,000), then, after this 1,000,000 account due to account, the number of block chain digital asset ecology alliance system
300,000 among these are recorded in platform trader automatically according to the amount whereabouts of block chained record by word settlement module on block
A is recorded in platform trader B under one's name under one's name, by 500,000 among these on block, B couples of platform trader A and platform trader
The 20190120000001 promise payment voucher amounts answered are recorded as 0, and transfer under 300,000 funds to the account of trader A,
It transfers under 500,000 funds to the account of trader B, and remaining 200,000 payment for goods is then used as risk-reward golden (or income) to return block
Chain digital asset ecology alliance system is all.
In addition, trader, which also can choose to exchange with part number assets, promises to undertake payment amount.For example, trader A is flat
Platform A is exchanged with 1,000,000 600,000 account dues answered in receipt on account and is promised to undertake payment voucher amount, then block chain digital asset ecology alliance
600,000 account due of system evaluation convertible 500,000 promises to undertake payment voucher (20190125000001), then trader A is in platform B and trade
Easy quotient B trades, and payment (20190125000001) 300,000 promises to undertake payment amount to trader B, in block chain digital asset
Ecological alliance system monitors in platform A after the account due to account of trader A, transfers 600,000 funds for exchange automatically to area
Block chain digital asset ecology alliance system fund account, remaining 400,000 are retained under trader's A account of platform A, then foundation
(20190125000001) it promises to undertake that payment amount whereabouts is settled accounts, transfers 300,000 funds and provided to trader B in block chain number
The fund account for generating state alliance system, transfers 200,000 funds to trader A in block chain digital asset ecology alliance system
Fund account, risk-reward gold of remaining 100,000 funds as block chain digital asset ecology alliance system, trader B
(20190125000001) 300,000 promise payment amounts are denoted as 0, and payment is promised to undertake in the 200000 of trader A (20190125000001)
Amount is denoted as 0.
6, trader can withdraw deposit to the fund of block chain digital asset ecology alliance system, when withdrawing deposit, then be
System records trader on block and withdraws deposit amount, and each node broadcasts digital asset block information on alliance's block chain.
7, simultaneously, trader can by each platform to block chain digital asset ecology alliance system initiate application will be in block
The affiliated fund of chain digital asset ecology alliance system is transferred to the account of any platform where trader, block chain digital asset
The settlement module of ecological alliance system records trader in the money of block chain digital asset ecology alliance system account on block
Gold is transferred to the merchant account of corresponding platform, while block chain digital asset ecology alliance system transfers corresponding fund to correspondence
Platform account, and each node broadcasts digital asset block information on alliance's block chain, each platform nodes receive the block of broadcast
After information, corresponding account fund data processing is carried out.
It should be noted that when platform trader carries out digital asset exchange application, block chain digital asset ecology connection
Alliance's system carries out uniqueness in the corresponding trader's enterprise qualification of account or ID card information of each platform by platform trader
Integration generates unique account in block chain digital asset ecology alliance system, and carries out with trader at the made out a bill family of each platform
Association, applicant each platform application exchanges or trade take in total promise payment amount remaining value and promise payment voucher
The total fund remaining sum of gathering is recorded in block chain digital asset ecology alliance system and is synchronized to each platform.
For example, trader has respective platform account in each platform, and is in only one alliance of alliance system
System account, all requests of trader are all to be initiated by each platform, and be not directly contacted with alliance system；For example, trader
There is account A in platform A, have account B in platform B, has account C in alliance system, which has exchanged 100 in platform A application
Ten thousand promise payment voucher (20190125000001) has exchanged 1,500,000 promise payment voucher in platform B
(20190125000002), then the trader just has 2,500,000 promise payment voucher in alliance system, the trader is in platform
A and platform B can be shown respectively promises to undertake that payment voucher account is 2,500,000, equally, if the trader has opened family in platform D again,
When platform D has exchanged promise payment voucher (20190125000003) 3,000,000, after the completion of exchange, platform A and platform B be will be updated
Show that the trader one shares 5,500,000 promise payment amount, the fund amount inside same alliance system is also 5,500,000.
In addition, above-mentioned digital asset, which exchanges intercommunication, needs the intelligent contract based on block chain, the intelligence based on block chain is closed
It about include the mechanism and a complete state machine of issued transaction and preservation, for receiving and handling various intelligent contracts.
1, exchange intelligent contract: for platform trader after confirmation is exchanged, digital asset, which exchanges module, will exchange application information
(account, the digital asset information of application exchange, digital asset account due time limit, digital asset account due exchanged including application
Amount, exchange promise to undertake payment amount amount, exchange time etc.) send the intelligent contract module progress digital asset exchange of exchange to,
It is recorded on block, including assets information, total assets, exchange promise payment voucher amount, the corresponding capital amount of digital asset
Degree, the assets gathering information such as time limit, and record digital asset and be transferred to block chain digital asset ecology alliance system and freezed,
Block chain digital asset ecology alliance system is had the right monitor supervision platform trader's collecting account information, and each node is wide on alliance's chain
Digital asset block information is broadcast, after platform receives the block information of broadcast, carries out corresponding digital asset information processing, Yi Jicheng
Promise payment voucher data processing.
2, it pays intelligent contract: after platform trader's promise of payment payment voucher, promising to undertake that payment voucher payment module will prop up
Pay information be sent to the intelligent contract module of payment carry out it is corresponding promise to undertake that payment voucher amount such as divides at the processing, and remember on block
Record divides processing amount.
3, intelligent contract is settled accounts: after the paying party payment to merchant account for promising to undertake the corresponding digital asset of payment voucher,
After the monitoring mechanism monitoring account information of block chain digital asset ecology alliance system, automatic trigger settles accounts intelligent contract module；
After promising to undertake that payment voucher reaches the gathering time limit, but monitoring mechanism does not monitor account information, then the automatic Sending Payments of system arrive
Phase warning is given to corresponding trader and block chain digital asset ecology alliance system administrator, to be monitored to arrive account information or trade
After easy quotient's active extra money, automatic trigger settles accounts intelligent contract module；The promise that intelligent contract module receives trader is settled accounts to pay
The corresponding digital asset fund amount of money voucher (such as it is 1,000,000 that digital asset, which answers receipt on account amount, exchanges and promises to undertake payment voucher
(20190125000001) amount is 800,000) 1,000,000 block chain digital asset ecology alliance system account is transferred, it is corresponding simultaneously
Promise to undertake all holders of payment voucher amount (assuming that trader A, which holds (20190125000001), promises to undertake that payment amount is 20
Ten thousand, trader B hold (20190125000001) and promise to undertake that payment amount is 600,000), it transfers corresponding fund amount and gives trader A
(200,000) and trader B (600,000), remaining amount return block chain digital asset ecology alliance system account as risk-reward gold
All, (20190125000001) that trader A and trader B hold promise to undertake that payment amount is 0, and the recording areas on block
Fund amount block chain digital asset ecology alliance system account gathering amount and transferred to each amount holder.
The present embodiment illustrates digital asset interoperability methods of the invention, but this field as an example mainly with accounts receivable
It is found that the method for the present invention equally could be applicable to, quotient holds technical staff, silver is held or other can be converted into fund within certain time limit
Digital asset.
Digital asset interoperability methods provided in this embodiment based on block chain technology introduce block chain technology and break difference
Barrier between type transaction system really realizes that the intercommunication between different digital assets is mutually converted, while realizing different platform
Between digital asset circulation, more transaction scene equity can be connected to, vitalize on-line off-line transaction scene, off-line transaction comprehensively
Assets can be used for online trading, to make digital asset business zoology alliance, realize to inter-trade, trade side, buying side
All-win.
Further, the digital asset payment and settlement method provided in this embodiment based on block chain technology, platform are utilized
The promise payment voucher amount that the downstream obtained in process of exchange is paid can be used for the payment of its payment for goods of trading by each trader, into
And form the payment of account payable, found it is a kind of it is negotiable, can finance, voucher is really weighed in detachable standardization, accelerate market fund
Flowing, substantially increase trading efficiency, at the same also improve supply chain Shang Ge enterprise the market competitiveness.
It is further to note that those of ordinary skill in the art will appreciate that: realize the above method implement whole or
This can be accomplished by hardware associated with program instructions for part steps, and foregoing routine instruction can store computer-readable in one
In storage medium or storage equipment, which when being executed, executes the above-mentioned digital asset payment based on block chain technology
The step of settlement method；And aforementioned storage medium or storage equipment include but is not limited to: ROM, RAM, disk or CD etc. are each
Kind can store the medium of program code.
Therefore correspondingly, the embodiment of the invention also provides a kind of computer readable storage devices, are stored with computer journey
Sequence, the computer program are executed by processor to realize the above-mentioned digital asset payment and settlement method based on block chain technology.
Further, also mating to provide a kind of corresponding mobile terminal, system above-mentioned based on block to realize by the present invention
The digital asset payment and settlement method of chain technology, specifically:
A kind of mobile terminal, comprising:
Processor is adapted for carrying out program instruction；
Equipment is stored, storage program instruction is suitable for, described program instruction is suitable for being loaded by processor and being executed to realize above-mentioned base
In the digital asset payment and settlement method of block chain technology.
A kind of digital asset payment and settlement system based on block chain technology, including server；Server includes processor
With storage equipment；
Processor is adapted for carrying out program instruction；
Equipment is stored, storage program instruction is suitable for, described program instruction is suitable for being loaded by processor and being executed to realize above-mentioned base
In the digital asset payment and settlement method of block chain technology.
The above is only a preferred embodiment of the present invention, for those of ordinary skill in the art, according to the present invention
Thought, there will be changes in the specific implementation manner and application range, and the content of the present specification should not be construed as to the present invention
Limitation.
Claims (10)
1. a kind of digital asset payment and settlement method based on block chain technology characterized by comprising
It is exchanged with digital asset to block chain digital asset ecology alliance system application and promises to undertake payment voucher；
The digital asset of block chain digital asset ecology alliance system exchanges the feasibility that application is exchanged in auditing module judgement；Such as may be used
Row, system exchanges rule and provide to exchange amount and feed back to applicant automatically according to digital asset to be confirmed；It is such as infeasible, then it feeds back
Infeasibility information is to applicant, and each node broadcasts auditing result information on alliance's block chain；
After applicant receives the amount of Contemporary Digital assets exchange, it is confirmed whether to exchange, such as confirmation is exchanged, then to block chain number
The confirmation of assets ecology alliance system is exchanged, and the digital asset of block chain digital asset ecology alliance system exchanges module for exchange
Assets information and the promise payment voucher amount information of exchange charge to block；And block is transferred in block record digital asset
Chain digital asset ecology alliance system freezes；
When applicant initiates to promise to undertake payment voucher payment request, then the promise payment of block chain digital asset ecology alliance system
Unused, the time of payment of voucher payment module statistics present application side after the time for currently initiating payment request and promise to undertake
The time limit of payment is less than the full amount M of the promise payment voucher of current transaction time limit of payment in payment voucher, and according to applicant
Account fund Z, the pending payment amount Y of transmission carry out the comparison of amount size；
It is more than or equal to Y as the sum of M and Z are more than or equal to Y and M, then needing promise of payment payment voucher amount is Y；
It is less than Y as the sum of M and Z are more than or equal to Y and M, then needing promise of payment payment voucher amount is M；
If the sum of M and Z are less than Y, then notify applicant: account fund and promise payment voucher amount are insufficient, payment failure；
Block chain digital asset ecology alliance system monitors applicant for exchanging the money for promising to undertake the digital asset of payment voucher
After item to account, fund is transferred into block chain digital asset ecology alliance system account automatically；Also, digital asset settlement module
Automatically the promise payment voucher amount whereabouts exchanged according to the digital asset recorded on block chain records corresponding fund on block
Under amount to corresponding user name, and record Contemporary Digital assets promise to undertake that the correspondence amount of payment voucher is zero, carry out corresponding
Fund is transferred, and each node broadcasts digital asset block information on alliance's block chain, each node receive the block information of broadcast
Afterwards, corresponding promise payment voucher data processing is carried out.
2. the digital asset payment and settlement method according to claim 1 based on block chain technology, which is characterized in that propping up
Pay when promising to undertake payment voucher, preferentially with promise to undertake the payment voucher time limit of payment close to the payment for goods time limit and lesser promises of amount pay the bill with
Card amount is paid, and the payment information of applicant's promise payment voucher is recorded on block, completes to promise to undertake payment voucher
After payment, then block chain digital asset ecology alliance system promises to undertake the payment information of payment voucher, each node to each node broadcasts
After the block information for receiving broadcast, corresponding digital asset information processing is carried out.
3. the digital asset payment and settlement method according to claim 1 based on block chain technology, which is characterized in that work as Shen
When please just initiating to promise to undertake payment voucher payment request, applicant first selects liquidation expenses are to be paid,as a matter of priority type: preferential to use promise payment voucher
Or account fund.
4. the digital asset payment and settlement method according to claim 3 based on block chain technology, which is characterized in that such as Shen
Please just select preferentially using promise to undertake payment voucher amount, then to block chain digital asset ecology alliance system initiate promise to undertake payment with
Payment request is demonstrate,proved to be paid；When promising to undertake that payment voucher is not enough paid the bill, is then supplemented and paid with account fund；
It such as selects preferentially to use account fund, if account fund is enough, then directly completes the branch of account fund at transaction platform end
It pays, is used if not enough and promise to undertake payment voucher supplement payment, and initiated promise to block chain digital asset ecology alliance system and pay
Money voucher payment request is to complete to pay.
5. the digital asset payment and settlement method according to claim 1 based on block chain technology, which is characterized in that block
After chain digital asset ecology alliance system monitors applicant for exchanging the fund to account for promising to undertake the digital asset of payment voucher,
Automatically fund is transferred into block chain digital asset ecology alliance system account, and according to preparatory exchange proportion by remaining proportion
Fund, which incorporates block chain digital asset ecology alliance system into as risk-reward gold, to be owned.
6. the digital asset payment and settlement method according to claim 1 based on block chain technology, which is characterized in that carry out
Digital asset exchanges the applicant of application, generates unique account, and and applicant in block chain digital asset ecology alliance system
Be associated at the made out a bill family of each platform, applicant each platform application exchange or trade income total promise payment amount it is surplus
Residual value and the total fund remaining sum for promising to undertake that payment voucher is collected money are recorded in block chain digital asset ecology alliance system and are synchronized to
Each platform.
7. the digital asset payment and settlement method according to claim 1 based on block chain technology, which is characterized in that also wrap
It includes, after promising to undertake that payment voucher reaches the gathering time limit, and when system does not monitor account information, then the automatic Sending Payments of system arrive
Phase warning is given to corresponding trade side and block chain digital asset ecology alliance system administrator；It is to be monitored to arrive account information or trade
Easily after side's active extra money, then automatic trigger settles accounts intelligent contract module and carries out fund clearing.
8. a kind of computer readable storage devices, are stored with computer program, which is characterized in that the computer program is processed
Device is executed to realize the digital asset payment and settlement method described in claim 1 to 7 any one based on block chain technology.
9. a kind of mobile terminal characterized by comprising
Processor is adapted for carrying out program instruction；
Equipment is stored, storage program instruction is suitable for, described program instruction is suitable for being loaded by processor and being executed to realize that right is wanted
Seek the digital asset payment and settlement method described in 1 to 7 any one based on block chain technology.
10. a kind of digital asset payment and settlement system based on block chain technology, which is characterized in that including server；
Server includes processor and storage equipment；
Processor is adapted for carrying out program instruction；
Equipment is stored, storage program instruction is suitable for, described program instruction is suitable for being loaded by processor and being executed to realize that right is wanted
Seek the digital asset payment and settlement method described in 1 to 7 any one based on block chain technology.
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