CN110570298A - Block chain-based digital currency periodic storage method and device - Google Patents
Block chain-based digital currency periodic storage method and device Download PDFInfo
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Abstract
The embodiment of the invention relates to a block chain-based digital currency regular storage method and device. The method comprises the following steps: determining periodic savings data, the periodic savings data including an account of a user, a total storage account, a principal, and a savings time, the principal being a first amount of digital currency; transferring the first amount of digital currency from the user's account to the master storage account through the blockchain; determining whether the savings time is due; if said deposit time expires, calculating an interest based on said first amount and said deposit time, said interest being a second amount of digital currency; transferring the first amount and the second amount of digital currency from the master storage account to the user's account through the blockchain. The data processing process of obtaining the savings is more flexible and the user experience is better.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a block chain-based digital currency regular storage method and device.
Background
the cash and the current deposit can directly handle the regular deposit, the starting sum of the regular account opening is 50 yuan, and the multiple deposits are unlimited. The shelf life is three months, six months, one year, two years, three years and five years. The transaction part can be drawn once in advance, the deposit is due, the message is drawn according to the deposit list, and the message can be automatically transferred for a plurality of times according to the original deposit period.
The regular deposit payment at the end of deposit is paid according to the deposit rate of the deposit list opening day, the payment is paid in advance according to the deposit rate of the deposit on the date of payment, the payment is overdue, and the payment is paid according to the deposit rate on the date of payment. The principal can transact small amount of pledge loan by regular deposit.
The unexpired periodical deposit is carried out, and the depositor draws in advance and has to hold a deposit receipt and the identity certificate of the depositor; the holder must also hold the identification, the interest rate is paid according to the interest rate of the current deposit announced by the date of drawing, and the withdrawer must also sign the name of the holder on the paid voucher.
The depositor can handle part of the deposit in advance according to the needs, the verification procedure is unchanged, the interest rate advance payment part pays according to the interest rate of the current deposit on the notice of the payment date, and the retention part pays according to the original deposit date and the original interest rate when the payment is due. The whole deposit whole acquisition regular deposit list only has one time to carry out partial early drawing, the transacted partial early drawing is carried out, and the deposit institution notes respectively indicate partial early drawing characters on the paid deposit list and the reserved partial newly opened deposit list. (after 3/1/2011, deposit is taken in whole deposit of the built bank, whether the deposit is stored before or after, and partial extraction can be carried out infinitely, and the deposit is not limited once).
Disclosure of Invention
Based on the above problems, embodiments of the present invention provide a block chain-based method and an apparatus for periodically storing digital currency.
In a first aspect, a block chain based method for periodic storage of digital currency is provided. Applied to a blockchain node, the method comprising: determining periodic savings data, the periodic savings data including an account of a user, a total storage account, a principal, and a savings time, the principal being a first amount of digital currency; transferring the first amount of digital currency from the user's account to the master storage account through the blockchain; determining whether the savings time is due; if said deposit time expires, calculating an interest based on said first amount and said deposit time, said interest being a second amount of digital currency; transferring the first amount and the second amount of digital currency from the master storage account to the user's account through the blockchain.
In an alternative implementation, the user's accounts include interest accounts and principal accounts; transferring the first and second amounts of digital currency from the master storage account to the user's account through the blockchain, comprising: transferring the first amount of digital currency from the primary storage account to the principal account and the second amount of digital currency from the primary storage account to the interest account via the blockchain.
In another alternative implementation, the total storage account includes a total principal account and a total interest account; transferring the first and second amounts of digital currency from the master storage account to the user's account through the blockchain, comprising: transferring the first amount of digital currency from the principal account to the user's account and the second amount of digital currency from the principal account to the user's account through the blockchain.
in another alternative implementation, the periodic savings data is smart contract data.
In another alternative implementation, the interest is in the same or different digital currency as the principal.
in another optional implementation, the method further comprises: and responding to the interest extraction request, and converting the second amount of digital currency into a third amount of stable currency and extracting the stable currency according to the corresponding relation between the digital currency corresponding to the interest and the stable currency.
In another alternative implementation, the step of calculating interest from said first amount and said deposit time comprises: determining interest rates according to the deposit time, wherein different deposit times correspond to different interest rates; interest is calculated based on the savings time, the interest rate, and the first amount.
In a second aspect, a blockchain based digital currency periodic storage device is provided. Applied to a blockchain node, the apparatus comprising: the system comprises a determining unit, a calculating unit and a processing unit, wherein the determining unit is used for determining regular deposit data, the regular deposit data comprise an account of a user, a total storage account, a principal and deposit time, and the principal is a first amount of digital currency; an transfer unit for transferring the first amount of digital money from the user's account to the master storage account through the blockchain; a judging unit for judging whether the saving time is due; a calculating unit for calculating an interest based on the first amount and the deposit time if the deposit time expires, the interest being a second amount of digital money; the transfer unit is further configured to transfer the first amount and the second amount of digital money from the master storage account to the user's account through the blockchain.
In an alternative implementation, the user's accounts include interest accounts and principal accounts; the transfer-in unit is specifically used for: transferring the first amount of digital currency from the primary storage account to the principal account and the second amount of digital currency from the primary storage account to the interest account via the blockchain.
In another alternative implementation, the total storage account includes a total principal account and a total interest account; the transfer-in unit is specifically used for: transferring the first amount of digital currency from the principal account to the user's account and the second amount of digital currency from the principal account to the user's account through the blockchain.
in another alternative implementation, the periodic savings data is smart contract data.
In another alternative implementation, the interest is in the same or different digital currency as the principal.
In another optional implementation, the method further comprises: and the extracting unit is used for responding to the interest extracting request, converting the second amount of digital currency into a third amount of stable currency and extracting the stable currency according to the corresponding relation between the digital currency corresponding to the interest and the stable currency.
In another optional implementation, the computing unit is specifically configured to: determining interest rates according to the deposit time, wherein different deposit times correspond to different interest rates; interest is calculated based on the savings time, the interest rate, and the first amount.
In a third aspect, the present specification provides a computer device, including a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor implements the method steps of the first aspect when executing the program.
In a fourth aspect, a computer-readable storage medium is provided, having stored thereon a computer program which, when being executed by a processor, carries out the method steps of the first aspect described above.
In a fifth aspect, there is provided a computer program product comprising instructions which, when run on a computer, cause the computer to perform the method steps of the first aspect described above.
the embodiment of the invention provides a block chain-based digital currency regular storage method and device. Determining periodic savings data, the periodic savings data including an account of a user, a total storage account, a principal, and a savings time, the principal being a first amount of digital currency; transferring the first amount of digital currency from the user's account to the master storage account through the blockchain; determining whether the savings time is due; if said deposit time expires, calculating an interest based on said first amount and said deposit time, said interest being a second amount of digital currency; transferring the first amount and the second amount of digital currency from the master storage account to the user's account through the blockchain. The embodiment of the invention realizes the regular storage of the digital currency through the block chain, has convenient operation and higher efficiency, and can ensure certain credibility and safety. In the process of obtaining deposit, interest calculation can be carried out more flexibly and conveniently, so that the whole data processing process is more flexible, and the user experience is better.
drawings
FIG. 1 illustrates an exemplary architecture for applying embodiments provided herein;
fig. 2 is a flowchart of a block chain-based method for periodically storing digital currency according to an embodiment of the present invention;
FIG. 3 is a schematic structural diagram of a block chain-based digital currency periodic storage device according to an embodiment of the present invention;
fig. 4 shows a schematic structural diagram of a computer device provided in an embodiment of the present specification.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The embodiment of the invention provides a block chain-based digital currency regular storage method and device.
Fig. 1 shows an exemplary architecture to which embodiments provided herein apply.
As shown in fig. 1, the exemplary architecture may include one or more terminals 101, one or more savings operator servers 102, and one or more blockchain nodes 103, when there are more than one blockchain node 103, forming a blockchain point network. Terminal 101 or savings operator server 102 may be configured to interact with blockchain link point 102, for example, terminal 101 or savings operator server 102 may query records in the blockchain or may record information in the blockchain.
It should be noted that the terminal 101 is referred to as the deposit operator server 103, and the architecture of the present embodiment is not limited to implement other functions, for example, the terminal may also be used as a blockchain node.
for the purpose of facilitating understanding of the embodiments of the present invention, the following description will be further explained with reference to specific embodiments, which are not to be construed as limiting the embodiments of the present invention.
Fig. 2 is a schematic structural diagram of a block chain-based digital currency periodic storage method according to the present invention. The method is applied to the block chain node. As shown in fig. 2, the method includes:
And S210, determining the regular deposit data. The periodic savings data includes a user's account, a total storage account, a principal, and a savings time, the principal being a first amount of digital currency;
Wherein the user can send the periodically stored data into the block chain through the terminal. For example, the terminal may provide a blockchain wallet through which the user may initiate a periodic storage operation, and through the interactive interface provided by the blockchain wallet, may obtain the user's account principal, i.e., the amount of principal obtained and the account providing the principal. The total savings account may be an address of a savings operator, for example, the total savings operator is the digital money issuer. The savings start time may be the time at which the principal was successfully transferred to the total savings account.
In some embodiments, the periodic savings data is smart contract data, and the following steps S220-S250 may be performed according to the specification of the smart contract.
S220, transferring the digital money with the first quantity from the account of the user to a total storage account through a block chain;
After the periodic savings data is determined, the periodic stored data may be recorded in a blockchain to effect transfer of a first amount of digital currency from the user's account to the total savings account through the blockchain. For example, a transaction event may be generated from the periodic savings data, the transaction event indicating that an account of a user with a first amount of digital money is transferred to a total savings account, the transaction event being sent to a block-out node, and the block-out node performs authentication, packaging, and time stamping, and then performs network-wide synchronization.
the digital money deposited in the total deposit account may be extracted at any time, and during the extraction, all the digital money corresponding to the user account may be extracted in advance, or a part of the digital money corresponding to the user account may be extracted. The method is determined according to actual needs. The withdrawal request may correspond to a third amount of digital currency to be withdrawn, which may be equal to the first amount or less than the first amount.
S230, judging whether the saving time is due or not;
the judgment of whether the saving time is due or not can be carried out periodically, and can also be realized by setting a countdown clock in the intelligent contract.
When it is determined that the savings time has not expired, a next round of determination may be waited for a period of time until the savings time expires.
s240, if the savings time expires, interest is calculated based on the first amount and the savings time. The interest is a second amount of digital currency;
And S250, transferring the first amount and the second amount of digital money from the total storage account to the account of the user through the block chain.
The transaction event can be generated according to the first amount of digital money and the second amount of digital money, the total deposit account and the account of the user, the transaction event is sent to the block-out node, and the block-out node carries out verification, packaging and time stamping and then carries out whole network synchronization.
As one example, a user's account may include an interest account and a principal account; the S250 may specifically include: transferring a first amount of digital money from the total savings account to the principal account and a second amount of digital money from the total savings account to the interest account via the blockchain.
as another example, the total storage account includes a total principal account and a total interest account; the S250 may specifically include: transferring a first amount of digital currency from the principal account to the user's account and a second amount of digital currency from the principal account to the user's account via the blockchain.
as another example, the user's account may include an interest account and a principal account; the total storage account comprises a total principal account and a total interest account; the S250 may specifically include: transferring a first amount of digital currency from the general principal account to the principal account and a second amount of digital currency from the general interest account to the interest account via the blockchain.
In some embodiments, the interest is in the same or different digital currency as the principal. Interest rates vary due to storage time.
As an example, the method further comprises:
And responding to the interest extraction request, and converting the second amount of digital currency into a third amount of stable currency and extracting according to the corresponding relation between the digital currency corresponding to the interest and the stable currency.
for the extraction of the stability ratio, the transfer-out address, the transfer-in address and the transaction quantity can be determined, a transaction event is generated and sent to the block-out node, and the block-out node performs verification, packaging and whole network broadcasting after being stamped.
As another example, calculating interest may be accomplished by:
Step 1), determining interest rates according to the deposit time, wherein different deposit times correspond to different interest rates;
And 2) calculating interest according to the saving time, the interest rate and the first quantity.
The embodiment of the invention realizes the regular storage of the digital currency through the block chain, has convenient operation and higher efficiency, and can ensure certain credibility and safety. In the process of obtaining deposit, interest calculation can be carried out more flexibly and conveniently, so that the whole data processing process is more flexible, and the user experience is better.
fig. 3 is a schematic structural diagram of a block chain-based digital currency periodic storage device according to an embodiment of the present disclosure. Applied to a blockchain node, the apparatus comprising:
A determining unit 301, configured to determine periodic deposit data, where the periodic deposit data includes an account of a user, a total storage account, a principal, and a deposit time, and the principal is a first amount of digital money;
An transfer unit 302 for transferring the first amount of digital currency from the user's account to the master storage account through the blockchain;
a judging unit 303, configured to judge whether the saving time expires;
A calculating unit 304 for calculating an interest from the first amount and the deposit time if the deposit time expires, the interest being a second amount of digital money;
The transfer unit 302 is further configured to transfer the first amount and the second amount of digital money from the master storage account to the user's account through the blockchain.
In some embodiments, the user's account includes an interest account and a principal account; the transfer-in unit 302 is specifically configured to:
transferring the first amount of digital currency from the primary storage account to the principal account and the second amount of digital currency from the primary storage account to the interest account via the blockchain.
In some embodiments, the total storage accounts include a total principal account and a total interest account; the transfer-in unit 302 is specifically configured to:
Transferring the first amount of digital currency from the principal account to the user's account and the second amount of digital currency from the principal account to the user's account through the blockchain.
In some embodiments, the periodic savings data is smart contract data.
In some embodiments, the interest is in the same or different digital currency as the principal.
In some embodiments, the method further comprises:
And the extracting unit is used for responding to the interest extracting request, converting the second amount of digital currency into a third amount of stable currency and extracting the stable currency according to the corresponding relation between the digital currency corresponding to the interest and the stable currency.
In some embodiments, the computing unit 304 is specifically configured to:
Determining interest rates according to the deposit time, wherein different deposit times correspond to different interest rates;
Interest is calculated based on the savings time, the interest rate, and the first amount.
it is understood that the block chain based digital currency periodic storage device of the present embodiment corresponds to the method embodiment shown in fig. 2, and therefore, the above description about the method embodiment shown in fig. 2 is also applicable to the device of the present embodiment, and is not repeated herein.
Fig. 4 shows a schematic structural diagram of a computer device provided in an embodiment of the present specification, where the computer device may include: a processor 410, a memory 420, an input/output interface 430, a communication interface 440, and a bus 450. Wherein the processor 440, the memory 420, the input/output interface 430 and the communication interface 440 are communicatively coupled to each other within the device via a bus 450.
The processor 410 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solutions provided in the embodiments of the present specification.
The Memory 420 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, or the like. The memory 420 may store an operating system and other application programs, and when the technical solution provided by the embodiments of the present specification is implemented by software or firmware, the relevant program codes are stored in the memory 420 and called to be executed by the processor 410.
The input/output interface 430 is used for connecting an input/output module to realize information input and output. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.
The communication interface 440 is used for connecting a communication module (not shown in the figure) to realize communication interaction between the device and other devices. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).
bus 450 includes a pathway to transfer information between various components of the device, such as processor 410, memory 420, input/output interface 430, and communication interface 440.
it should be noted that although the above-mentioned device only shows the processor 410, the memory 420, the input/output interface 430, the communication interface 440 and the bus 450, in a specific implementation, the device may also include other components necessary for normal operation. In addition, those skilled in the art will appreciate that the above-described apparatus may also include only those components necessary to implement the embodiments of the present description, and not necessarily all of the components shown in the figures.
Those of skill would further appreciate that the various illustrative components and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied in hardware, a software module executed by a processor, or a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only illustrative of the present invention and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the scope of the present invention should be included in the scope of the present invention.
Claims (10)
1. A method for periodically storing digital currency based on a blockchain is applied to blockchain nodes, and comprises the following steps:
determining periodic savings data, the periodic savings data including an account of a user, a total storage account, a principal, and a savings time, the principal being a first amount of digital currency;
transferring the first amount of digital currency from the user's account to the master storage account through the blockchain;
Determining whether the savings time is due;
if said deposit time expires, calculating an interest based on said first amount and said deposit time, said interest being a second amount of digital currency;
Transferring the first amount and the second amount of digital currency from the master storage account to the user's account through the blockchain.
2. The method of claim 1, wherein the user's accounts include an interest account and a principal account; transferring the first and second amounts of digital currency from the master storage account to the user's account through the blockchain, comprising:
transferring the first amount of digital currency from the primary storage account to the principal account and the second amount of digital currency from the primary storage account to the interest account via the blockchain.
3. the method of claim 1 or 2, wherein the total storage accounts include a total principal account and a total interest account; transferring the first and second amounts of digital currency from the master storage account to the user's account through the blockchain, comprising:
Transferring the first amount of digital currency from the principal account to the user's account and the second amount of digital currency from the principal account to the user's account through the blockchain.
4. the method of claim 1 wherein the periodic savings data is smart contract data.
5. The method of claim 1, wherein the interest is in the same or different digital currency as the principal.
6. The method of claim 5, further comprising:
and responding to the interest extraction request, and converting the second amount of digital currency into a third amount of stable currency and extracting the stable currency according to the corresponding relation between the digital currency corresponding to the interest and the stable currency.
7. The method of claim 1, wherein the step of calculating interest based on said first amount and said savings time comprises:
Determining interest rates according to the deposit time, wherein different deposit times correspond to different interest rates;
Interest is calculated based on the savings time, the interest rate, and the first amount.
8. a blockchain-based digital currency periodic storage apparatus, applied to blockchain nodes, the apparatus comprising:
the system comprises a determining unit, a calculating unit and a processing unit, wherein the determining unit is used for determining regular deposit data, the regular deposit data comprise an account of a user, a total storage account, a principal and deposit time, and the principal is a first amount of digital currency;
An transfer unit for transferring the first amount of digital money from the user's account to the master storage account through the blockchain;
A judging unit for judging whether the saving time is due;
A calculating unit for calculating an interest based on the first amount and the deposit time if the deposit time expires, the interest being a second amount of digital money;
the transfer unit is further configured to transfer the first amount and the second amount of digital money from the master storage account to the user's account through the blockchain.
9. a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any one of claims 1-7 when executing the program.
10. a computer-readable storage medium, having stored thereon a computer program which, when executed by a processor, implements the method of any of claims 1-8.
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| CN201910797856.9A CN110570298A (en) | 2019-08-27 | 2019-08-27 | Block chain-based digital currency periodic storage method and device |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115439224A (en) * | 2022-09-15 | 2022-12-06 | 吉林银行股份有限公司 | Interest counting method, system and equipment for large-volume deposit list |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115439224A (en) * | 2022-09-15 | 2022-12-06 | 吉林银行股份有限公司 | Interest counting method, system and equipment for large-volume deposit list |
| CN115439224B (en) * | 2022-09-15 | 2023-08-25 | 吉林银行股份有限公司 | Method, system and equipment for counting large inventory |
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