CN110956453A - Circulation payment clearing method and device based on asset digital certificate and medium - Google Patents
Circulation payment clearing method and device based on asset digital certificate and medium Download PDFInfo
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Abstract
The invention discloses a circulation payment clearing method based on an asset digital certificate, which comprises the following steps: when preset information is received, acquiring account information and transaction information of a buyer; determining the assets associated with the account information to generate an asset digital certificate and a committed performance book, wherein the content of the asset digital certificate and the committed performance book comprises information such as payment amount, due date and the like of the buyer, and the assets of the corresponding asset digital certificate are isolated; and associating the commitment performance book and the asset digital certificate with account information of a seller corresponding to the clearing instruction, and transferring the commitment performance book and the asset digital certificate to the seller to complete transaction payment of the buyer to the seller. The invention also discloses a clearing device and a storage medium. The invention realizes the functions of payment and financing through the digital circulation of assets.
Description
Technical Field
The invention relates to the fields of electronic payment technology and supply chain finance, in particular to a circulation payment clearing method, a circulation payment clearing device and a storage medium based on an asset digital certificate.
Background
With the activity of commercial activities and the coexistence of various clearing and payment modes, people pay bills (commercial acceptance, bank acceptance and check) and bank transfer in buying and selling goods in transactions by using barns or objects for debt, but the modes are realized by more two transaction parties face to face or by delivering bank deposits through a bank system and are all finished under a platform, so that the efficiency is low, the delivery and acceptance are inconvenient, the multi-section delivery of a transaction chain is not easy to realize, and cash and bank deposits are occupied. That is, in the prior art, the clearing flows of both sides of the transaction are complicated.
The above is only for the purpose of assisting understanding of the technical aspects of the present invention, and does not represent an admission that the above is prior art.
Disclosure of Invention
The invention mainly aims to provide a transfer payment clearing method, a device and a medium based on an asset digital certificate, and aims to solve the problem that clearing processes of two transaction parties are complicated in the prior art.
In order to achieve the above object, the present invention provides a circulation payment clearing method based on an asset digital certificate, which comprises the following steps:
when preset information is received, acquiring account information and transaction information of a buyer, wherein the preset information comprises a clearing instruction, a financing request or a loan request;
generating an asset digital certificate and a commitment performing book according to the asset and transaction information associated with the account information, wherein the content of the asset digital certificate and the commitment performing book comprises the payment amount of the buyer, and the asset corresponding to the asset amount of the asset digital certificate is isolated;
and associating the commitment and performance book and the digital asset certificate with the account information of the seller corresponding to the clearing instruction, and transferring the commitment and performance book and the digital asset certificate to the seller to complete the transaction payment of the buyer to the seller and realize the payment function.
In one embodiment, the step of obtaining the account information of the buyer and the transaction information further includes:
acquiring the asset information and credit information of a buyer;
determining an asset amount of the buyer according to the asset information and the credit information;
and generating an asset digital certificate of the buyer according to the asset amount, the asset information and the credit information, and storing the asset digital certificate in association with account information of the buyer.
In one embodiment, the asset digitization certificate associated with the account information comprises at least one of an asset digitization certificate issued by the buyer and an asset digitization certificate received from a third party; the digital certificate of the assets issued by the buyer and the digital certificate of the assets received by the third party apply for financing borrowing to the fund side when receiving a financing instruction, keep for use when receiving an instruction of waiting for payment due, and pay the upstream seller by circulation when receiving an instruction of circulating or splitting to the upstream seller.
In one embodiment, after the step of associating the commitment performance book and the digital asset voucher with the account information of the seller corresponding to the clearing instruction, the method further comprises the following steps:
determining the amount of the digital certificate of the property and the payment amount of the promised performance book;
and updating the asset amount of the asset digital certificate associated with the account information of the buyer according to the payment amount so as to deduct and separate the asset amount.
In one embodiment, after the step of generating the commitment fulfillment book according to the transaction information, the method further includes:
sending the commitment and performance book and the asset digital certificate to a terminal corresponding to the seller, so that the seller confirms the commitment and performance book and the asset digital certificate;
and when receiving confirmation information sent by a terminal corresponding to the seller, executing the step of associating the commitment performance book and the asset digital certificate with account information of the seller corresponding to the clearing instruction.
In one embodiment, the steps of determining the assets and transaction information associated with the account information, generating the assets digital certificate and generating the committed performance book comprise:
determining the amount of the asset digital voucher and determining the payment amount according to the transaction information;
determining whether the asset amount is greater than or equal to the payment amount;
and when the asset amount is greater than or equal to the payment amount, generating a commitment performing book according to the asset and transaction information associated with the account information.
In one embodiment, after the step of determining whether the asset amount is greater than or equal to the payment amount, the method further comprises:
and when the asset amount is less than the payment amount, outputting prompt information of insufficient balance of the amount of the asset digital certificate to a terminal corresponding to the buyer.
In one embodiment, the method for liquidating payment based on circulation of the asset digital certificate further comprises the following steps:
establishing a uniform settlement center, and opening virtual accounts in the settlement center by the buyer and the seller and the fund party;
the settlement center sends information to the buyer terminal of each issued asset data certificate so that each buyer pays the asset amount corresponding to the asset data certificate to the settlement center; and
and the settlement center pays the asset amount corresponding to the expired asset digital certificate to the account information of the seller corresponding to each expired asset digital certificate and associates the entity accounts of the buyer and the seller with the entity accounts to realize the fund receipt and payment of the entity accounts of the banks.
To achieve the above object, the present invention also provides a circulation payment clearing apparatus, which includes a memory, a processor, and a clearing program stored in the memory and operable on the processor, wherein the clearing program, when executed by the processor, implements the steps of the circulation payment clearing method based on the asset digital certificate as described above.
To achieve the above object, the present invention also provides a medium storing a liquidation program which, when executed by a processor, realizes the steps of the circulation payment liquidation method based on the asset digitalized certificate as described above.
According to the circulation payment clearing method, device and medium based on the digital assets and the digital assets voucher, when a clearing device receives a clearing instruction, a financing request or a loan request, the clearing device obtains account information and transaction information of a buyer, determines the assets and the transaction information related to the account information to generate the digital assets voucher and a committed fulfillment book, and accordingly conducts the circulation of the committed fulfillment book and the digital assets voucher in a correlated manner with the account information of a seller to complete transaction payment of the buyer to the seller. The buyer can complete the transaction payment to the seller on line according to the asset digital certificate and the committed book of fulfillment, so that the transaction payment of the buyer and the seller can be realized without bank transfer, and the online fund payment of each transaction of the buyer and the seller is not required, thereby reducing the fund occupation and simplifying the clearing process of the buyer and the seller; meanwhile, the digital certificate of the assets and the promised performance book can ensure that the buyer fulfills the obligation of payment, and simplify the clearing flow of both transaction parties on the premise of ensuring the rights and interests of the seller. Meanwhile, the received asset digital certificate can also apply for financing borrowing to a fund side according to the asset digital certificate, and the credit function is realized. In addition, a settlement center is established, and the buyer and the seller, the bank and other participants open virtual accounts in the settlement center for clearing, and carry out fund receipt and payment through the associated entity bank account, so that the feasible scheme of the invention is ensured.
Drawings
Fig. 1 is a schematic diagram of a hardware configuration of a clearing apparatus according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a first embodiment of the circulation payment clearing method based on the asset digital certificate of the present invention;
FIG. 3 is a flowchart illustrating a second embodiment of the method for liquidating payment based on asset digital certificates according to the present invention;
FIG. 4 is a flow chart illustrating a third embodiment of the circulation payment clearing method based on the asset digital certificate according to the present invention;
fig. 5 is a flowchart illustrating a circulation payment clearing method based on the asset digital certificate according to a fourth embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The main solution of the embodiment of the invention is as follows: when preset information is received, acquiring account information and transaction information of a buyer, wherein the preset information comprises a clearing instruction, a financing request or a loan request; determining assets and transaction information related to the account information to generate an asset digital certificate and a commitment performing book, wherein the content of the asset digital certificate comprises the payment amount of the buyer, and the assets corresponding to the asset amount of the asset digital certificate are isolated; and associating the commitment and performance book and the digital asset certificate with the account information of the seller corresponding to the clearing instruction, and transferring the commitment and performance book and the digital asset certificate to the seller to complete the transaction payment of the buyer to the seller and realize the payment function.
The buyer can complete the transaction payment to the seller on line according to the asset digital certificate and the committed book of fulfillment, so that the transaction payment of the buyer and the seller can be realized without bank transfer, and the online fund payment of each transaction of the buyer and the seller is not required, thereby reducing the fund occupation and simplifying the clearing process of the buyer and the seller; meanwhile, the digital certificate of the assets and the promised performance book can ensure that the buyer fulfills the obligation of payment, and simplify the clearing flow of both transaction parties on the premise of ensuring the rights and interests of the seller. Meanwhile, the received asset digital certificate can also apply for financing borrowing to a fund side according to the asset digital certificate, and the credit function is realized. In addition, a settlement center is established, and the buyer and the seller, the bank and other participants open virtual accounts in the settlement center for clearing, and carry out fund receipt and payment through the associated entity bank account, so that the feasible scheme of the invention is ensured.
As shown in fig. 1, fig. 1 is a schematic diagram of a hardware structure of a circulation payment clearing device according to an embodiment of the present invention.
As shown in fig. 1, the circulation payment liquidation means may include: a processor 1001, such as a CPU, a communication bus 1002, and a memory 1003. Wherein a communication bus 1002 is used to enable connective communication between these components. The memory 1003 may be a high-speed RAM memory or a non-volatile memory (e.g., a disk memory). The memory 1003 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the configuration of the apparatus shown in fig. 1 does not constitute a limitation of the convection payment clearing apparatus and may include more or fewer components than shown, or some components in combination, or a different arrangement of components.
As shown in fig. 1, the memory 1003, which is a kind of computer storage medium, may include an operating system and a clearing program therein.
In the apparatus shown in fig. 1, the processor 1001 may be configured to call a clearing program stored in the memory 1003, and perform the following operations:
when preset information is received, acquiring account information and transaction information of a buyer, wherein the preset information comprises a clearing instruction, a financing request or a loan request;
determining assets and transaction information related to the account information, generating an asset digital certificate and generating a commitment performing book, wherein the content of the asset digital certificate comprises the payment amount of the buyer, and the assets corresponding to the asset amount of the asset digital certificate are isolated;
and associating the commitment and performance book and the digital asset certificate with the account information of the seller corresponding to the clearing instruction, and transferring the commitment and performance book and the digital asset certificate to the seller to complete the transaction payment of the buyer to the seller and realize the payment function.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
acquiring the asset information and credit information of a buyer;
determining an asset amount of the buyer according to the asset information and the credit information;
and generating an asset digital certificate of the buyer according to the asset amount, the asset information and the credit information, and storing the asset digital certificate in association with account information of the buyer.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
the asset digital certificate associated with the account information comprises at least one of the asset digital certificate issued by the buyer and the received asset digital certificate of the third party;
the digital certificate of the assets issued by the buyer and the digital certificate of the assets received by the third party apply for financing borrowing to the fund side when receiving a financing instruction, keep for use when receiving an instruction of waiting for payment due, and pay the upstream seller by circulation when receiving an instruction of circulating or splitting to the upstream seller.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
determining the amount of the digital certificate of the property and the payment amount of the promised performance book;
and updating the asset amount of the asset digital certificate associated with the account information of the buyer according to the payment amount so as to deduct and separate the asset amount.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
sending the commitment and performance book and the asset digital certificate to a terminal corresponding to the seller, so that the seller confirms the commitment and performance book and the asset digital certificate;
and when receiving confirmation information sent by a terminal corresponding to the seller, executing the step of associating the commitment performance book and the asset digital certificate with account information of the seller corresponding to the clearing instruction.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
determining the amount of the asset digital voucher and determining the payment amount according to the transaction information;
determining whether the asset amount is greater than or equal to the payment amount;
and when the asset amount is greater than or equal to the payment amount, generating a commitment performing book according to the asset and transaction information associated with the account information.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
and when the asset amount is less than the payment amount, outputting prompt information of insufficient balance of the amount of the asset digital certificate to a terminal corresponding to the buyer.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
establishing a uniform settlement center, and opening virtual accounts in the settlement center by the buyer and the seller and the fund party;
the settlement center sends information to the buyer terminal of each issued asset data certificate so that each buyer pays the asset amount corresponding to the asset data certificate to the settlement center; and
and the settlement center pays the asset amount corresponding to the expired asset digital certificate to the account information of the seller corresponding to each expired asset digital certificate and associates the entity accounts of the buyer and the seller with the entity accounts to realize the fund receipt and payment of the entity accounts of the banks.
Based on the hardware construction, the invention provides various embodiments of the circulation payment clearing method based on the asset digital certificate.
Referring to fig. 2, a first embodiment of the present invention provides an asset digitization certificate-based circulation payment clearing method, which includes the following steps:
step S10, acquiring account information and transaction information of the buyer when receiving preset information, wherein the preset information includes a clearing instruction, a financing request or a loan request;
in the present embodiment, the execution subject is the circulation payment clearing apparatus, and for convenience of description, the circulation payment clearing apparatus is hereinafter referred to as the clearing apparatus. The buyer and the seller performing the transaction can clear the transaction on the clearing device, that is, the buyer can clear the amount of the transaction to the seller through the clearing device. Specifically, the clearing device provides a clearing APP for the terminals of the buyer and the seller to load, and the buyer or the seller sends preset information to the clearing device through the clearing APP on the terminals. The preset information includes clearing instructions, financing requests and loan requests, and the buyer can be defined as the preset information. The present embodiment will be described with reference to a clearing instruction as an example.
The clearing instruction comprises the information of the buyer and the information of the seller, and the clearing device can acquire the information registered on the clearing device by the buyer according to the clearing instruction, namely acquiring the account information of the buyer. The account information includes a name of the buyer, authentication information, a transaction account, and the like, and the buyer needs to be authenticated by a real name to ensure the authenticity of the account information of the buyer.
In addition, the buyer can send the transaction information to the clearing device through the clearing APP, or package the transaction information into the clearing instruction, so that the clearing device can obtain the transaction information. The transaction information can be copies of contracts signed by buyers and sellers, electronic intelligent purchase and sale contracts, electronic reconciliation certificates of buyer receipts, electronic reconciliation certificates of seller deliveries, electronic reconciliation certificates of buyers and sellers, invoices specially used for value-added tax issued by buyers, the amount of money of the buyers for buying goods of sellers and the like. Similarly, when the buyer finances or debits and credits, the transaction information is the asset information, credit information and the like of the user, and the transaction information includes the procedure file of the authenticity of the asset information and the credit information of the buyer.
Step S20, determining the assets and transaction information associated with the account information to generate an asset digital certificate and a committed fulfillment book, wherein the content of the asset digital certificate comprises the payment amount of the buyer, and the assets corresponding to the asset amount of the asset digital certificate are isolated;
the account information of the buyer contains an asset digital certificate which is determined by the clearing device according to the asset information of the user and the amount corresponding to the credit information.
Specifically, a user may request that a clearing device generate asset digital vouchers based on the asset digital voucher function of the clearing device when registering on the clearing device. The liquidation device acquires the asset information and the credit information of the user when receiving the generation request of the asset digital certificate. The asset information refers to the deposit of the user at the bank, the amount of money of the fixed asset and the like; the credit information refers to the credit limit of a financial institution of a bank credit platform class, and the like of a user, and the asset information and the credit information are subjected to mortgage, trust, identification isolation and the like so as to determine the authenticity and the guarantee of the asset information and the credit information. The assets of the asset digital certificate are isolated, and the buyer can not use the assets corresponding to the asset amount to carry out other transactions, namely the assets corresponding to the asset amount are temporarily frozen. That is, when the liquidation device acquires the asset information and the credit information of the user, whether the asset information and the credit information have various procedures of relevant mechanisms or not needs to be determined, if yes, the asset information and the credit information can be judged to be authenticity and guarantee information, and the liquidation device responds to a generation request of an asset digital certificate of the user. If not, outputting prompt information to prompt the buyer to provide relevant procedures.
The clearing device may determine the funds of the user based on the asset information and may determine the credit line of the user based on the credit information. The liquidation device can generate the asset digital certificate of the user according to the asset amount, the asset information and the credit information, and the asset digital certificate can contain the asset amount, the name of the asset, the value of the asset, the credit limit and the like of the user. And the liquidation device stores the asset digital certificate and the account information of the user in an associated manner. When the user needs to make payment for the transaction, the user is converted to a buyer.
After acquiring the account information of the buyer, the clearing device determines the asset digital certificate associated with the account information. The clearing device generates a committed fulfillment book according to the transaction information, wherein the committed fulfillment book contains the amount of the transaction of the buyer and the seller, namely the committed fulfillment book comprises the payment amount of the buyer. Meanwhile, the promised contract performing book contains the payment time of the buyer, and the time can be the current time or the double promised time of buying and selling.
Step S30, associating the commitment and fulfillment book and the digital asset voucher with the account information of the seller corresponding to the clearing instruction, and transferring the commitment and fulfillment book and the digital asset voucher to the seller to complete the transaction payment of the buyer to the seller, thereby implementing the payment function.
After the clearing device generates the commitment and fulfillment book, the commitment and fulfillment book and the asset digital certificate can be sent to the account information of the seller, so that the commitment and fulfillment book and the asset digital certificate are associated with the account information of the seller, the asset digital certificate completes circulation, and transaction payment of the buyer to the seller is completed. It is understood that the commitment performing book and the asset digital certificate associated with the account information of the seller can determine that the seller holds a part of the asset of the buyer, and the amount of the part of the asset is the amount of money to be paid to the seller by the buyer in the transaction.
In addition, the clearing device can be a third-party platform, can be installed on a bank platform of a bank, and can also be installed on the platform. The buyer can send out a clearing instruction based on electronic platforms such as a private chain, a alliance chain, a bottom platform of a public chain, an internet platform, a mobile internet platform, a cloud platform and a big data platform, and then the electronic platform sends the clearing instruction to the clearing device. In the technical solution provided in this embodiment, when receiving a clearing instruction, a financing request, or a loan request, the clearing apparatus obtains account information and transaction information of the buyer, determines an asset digitization certificate associated with the account information, and generates a commitment and fulfillment book containing a payment amount of the buyer according to the transaction information, so as to circulate the commitment and fulfillment book and the asset digitization certificate in association with account information of the seller to complete transaction payment of the buyer to the seller. The buyer can complete the transaction payment to the seller on line according to the asset digital certificate and the committed book of fulfillment, so that the transaction payment of the buyer and the seller can be realized without bank transfer, and the online fund payment of each transaction of the buyer and the seller is not required, thereby reducing the fund occupation and simplifying the clearing process of the buyer and the seller; meanwhile, the digital certificate of the assets and the promised performance book can ensure that the buyer fulfills the obligation of payment, and simplify the clearing flow of both transaction parties on the premise of ensuring the rights and interests of the seller. Meanwhile, the received asset digital certificate can also apply for financing borrowing to a fund side according to the asset digital certificate, and the credit function is realized. In addition, a settlement center is established, and the buyer and the seller, the bank and other participants open virtual accounts in the settlement center for clearing, and carry out fund receipt and payment through the associated entity bank account, so that the feasible scheme of the invention is ensured.
In an embodiment, the seller can perform a transaction with a third party by using the asset digital certificate associated with the account information, that is, the seller splits and transfers the asset digital certificate paid to the seller by the buyer to the third party, so as to realize the transaction between the seller and the third party. Because the digital certificate of the asset represents the asset, the seller can apply for financing the digital certificate of the asset of the buyer. Alternatively, the seller may wait for the current time to reach the appointed time in the promised performance book, thereby obtaining the amount of the digital certificate of the property held in the promised performance book. Thus, the roles of seller and buyer can be interchanged based on the currency of the asset digitization document. Therefore, when the buyer and the seller trade, the buyer can provide the third-party asset digital certificate held by the buyer to the seller, so that the buyer splits and transfers the third-party asset digital certificate to the seller. That is, the asset digitization certificate associated with the account information of the buyer comprises the own asset digitization certificate of the buyer, the received asset digitization certificate of the third party, or the own asset digitization certificate of the buyer and the asset digitization certificate of the third party.
In this embodiment, the liquidation device ensures that the asset digital certificates can be circulated on various electronic platforms, and the asset digital certificates can be smoothly circulated. In addition, the property or property rights of the enterprise can be transferred in the form of electronic certificates by digitalization to take charge of the property of the enterprise; meanwhile, the assets or property rights can be mortgage to apply for a credit line for banks, so that the assets or property rights have independence and isolation in law, the assets, property rights and interests, and an asset or financial right trust handling planning mechanism can issue an asset digital certificate, the value of the issued asset digital certificate is guaranteed, and a payment function and a credit function can be realized through the asset digital certificate.
Referring to fig. 3, fig. 3 is a second embodiment of the circulation payment clearing method based on the asset digital certificate according to the present invention, and based on the first embodiment, after the step S30, the method further includes:
step S40, determining the amount of the digital certificate and the payment amount of the promised performing book;
and step S50, updating the asset amount of the asset digital certificate associated with the account information of the buyer according to the payment amount so as to deduct and separate the asset amount.
In this embodiment, after the buyer pays the seller with the asset digital certificate, the asset digital certificate associated with the account information of the buyer needs to be updated. Specifically, after the buyer provides the seller with the digital certificate of the asset and the commitment to perform the contract, the buyer actually mortises a part of the asset to the seller, so that the mortgageable funds of the buyer need to be reduced, that is, the amount of the asset needs to be reduced. Therefore, the clearing device determines the payment amount of the commitment fulfillment book, subtracts the payment amount from the asset amount of the asset digital certificate associated with the buyer account information, and completes deduction and separation of the asset amount, so that the asset digital certificate is updated, and a buyer can perform other transactions by using the updated asset digital certificate.
In the technical solution provided in this embodiment, after the clearing device sends the digital asset voucher and the commitment performing book to the seller for association, the clearing device updates the available asset amount of the digital asset voucher of the buyer, so as to prevent the seller from obtaining an uncertain profit due to the fact that the available asset amount of the digital asset voucher is not updated.
Referring to fig. 4, fig. 4 is a third embodiment of the circulation payment clearing method based on the asset digital certificate according to the present invention, and after the step S20, the method further includes:
step S60, sending the commitment performance book and the digital asset voucher to a terminal corresponding to the seller, so that the seller can confirm the commitment performance book and the digital asset voucher;
step S70, when receiving the confirmation information sent by the terminal corresponding to the seller, executing the step of associating the commitment performance book and the digital asset voucher with the account information of the seller corresponding to the clearing instruction.
In this embodiment, when the clearing device generates the commitment and performance book, the clearing device may send the commitment and performance book and the digital certificate of the asset to the terminal corresponding to the seller. The seller can check the payment amount and the performance time in the promise performance book and the asset digital certificate so as to determine whether the payment amount and the performance amount are correct. If no problem exists, the seller can send the determination information to the clearing device based on the clearing APP of the terminal.
The clearing device can determine that the seller confirms the promise performance book and the asset digital certificate without errors after receiving the determination information sent by the seller, and then the clearing device sends the promise performance book and the asset digital certificate to the account of the seller so as to associate the account information of the seller with the promise performance book and the asset digital certificate, thereby completing the transaction payment of the buyer to the seller.
If the clearing device does not receive the confirmation information sent by the buyer and the seller within the preset time, the transaction payment of the buyer to the seller is interrupted, and the prompt information of clearing timeout is output to the terminals corresponding to the buyer and the seller. Of course, if the clearing device receives the negative information from at least one party, the transaction payment from the buyer to the seller is interrupted.
In the technical solution provided in this embodiment, after the clearing device generates the commitment and fulfillment book, the clearing device sends the commitment and fulfillment book and the digital asset voucher to the buyer and the seller for confirmation, so as to avoid loss of one of the buyer and the seller.
Referring to fig. 5, fig. 5 is a fourth embodiment of the circulation payment clearing method based on the asset digital certificate according to the present invention, and based on any one of the first to third embodiments, the step S20 includes:
step S21, determining the amount of the digital asset voucher and determining the payment amount according to the transaction information;
step S22, determining whether the asset amount is greater than or equal to the payment amount;
and step S23, generating a commitment performing book according to the asset and transaction information associated with the account information.
In this embodiment, the buyer may employ the asset digitization voucher for transaction payment to multiple sellers. And the asset amount of the asset digital certificate is reduced by paying for each transaction. Thus, in current transactions, the collateral amount of the asset digitization document may be less than the amount paid by the buyer to the seller.
In contrast, after the settlement device determines the digital asset voucher associated with the buyer account information, the settlement device determines the mortgage amount of the digital asset voucher, acquires the payment amount in the transaction information so as to judge whether the asset amount is larger than the payment amount, and generates a commitment and fulfillment book according to the transaction information if the digital asset voucher is larger than the payment amount. And if the digital asset is less than or equal to the payment amount, outputting a prompt message of insufficient balance of the amount of the digital asset certificate to a terminal corresponding to the buyer.
In the technical scheme provided by this embodiment, after determining the asset digital voucher, the clearing device obtains the asset amount of the asset digital voucher, and determines the amount to be paid of the buyer according to the transaction information, thereby determining whether the asset amount is greater than the amount to be paid, so that the money of the seller is not reduced, and the rights and interests of the seller are ensured.
In one embodiment, a unified clearing house is established, where virtual accounts are opened by buyers and sellers, as well as by funding parties, including but not limited to banks. I.e. the clearing means are connected to the clearing house. The clearing center corresponding to the clearing device will settle the balance at the end of each day. Specifically, at the end of the day, the clearinghouse determines the opened digital certificate of the asset, which may be the amount of the asset the buyer delivers to the seller. The clearing center obtains the amount of the assets delivered to the seller by the buyer, namely the clearing device sends information to the terminal corresponding to each buyer issuing the digital certificate of the assets, so that each buyer inputs the amount of the issued assets into the clearing center.
At the end, the clearinghouse also determines an expired asset digitization voucher, which is held by the seller. Therefore, the clearing center can input the digitalized amount of the expired asset digitalized certificate into the transaction account corresponding to the seller, delete the expired asset digitalized certificate, and complete payment of the clearing center for the seller, namely, the settlement center is associated with the entity accounts of the buyer and the seller, so that the fund collection and payment of the entity accounts of the banks are realized. The clearing center can calculate the current netting according to the total sum of the opened asset digital certificate and the total sum of the asset digital certificate paid due.
In the technical scheme provided by the embodiment, every day, the circulation payment device can drive money into a payment account of the seller corresponding to the expired asset digital certificate, so that the income of the seller is guaranteed.
The invention also provides a circulation payment clearing device, which comprises a memory, a processor and a clearing program stored in the memory and capable of running on the processor, wherein the clearing program is executed by the processor to realize the steps of the circulation payment clearing method based on the asset digital certificate.
The present invention also provides a storage medium storing a liquidation program that, when executed by a processor, implements the steps of the asset digitization document-based circulation payment liquidation method described above.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A circulation payment clearing method based on an asset digital certificate is characterized by comprising the following steps:
when preset information is received, acquiring account information and transaction information of a buyer, wherein the preset information comprises a clearing instruction, a financing request or a loan request;
generating an asset digital certificate and a commitment performing book according to the asset and transaction information associated with the account information, wherein the content of the asset digital certificate comprises the payment amount of the buyer, and the asset corresponding to the asset amount of the asset digital certificate is isolated;
and associating the commitment and performance book and the digital asset certificate with the account information of the seller corresponding to the clearing instruction, and transferring the commitment and performance book and the digital asset certificate to the seller to complete the transaction payment of the buyer to the seller and realize the payment function.
2. The method for liquidation of payment for circulation based on a digitalized certificate of asset as claimed in claim 1, wherein said step of obtaining account information of buyer and transaction information is preceded by the steps of:
acquiring the asset information and credit information of a buyer;
determining an asset amount of the buyer according to the asset information and the credit information;
and generating an asset digital certificate of the buyer according to the asset amount, the asset information and the credit information, and storing the asset digital certificate in association with account information of the buyer.
3. The method for liquidation of a circulation payment based on an asset digitization certificate as claimed in claim 1, wherein the asset digitization certificate associated with the account information comprises at least one of an asset digitization certificate issued by the buyer and an asset digitization certificate received from a third party;
the digital certificate of the assets issued by the buyer and the digital certificate of the assets received by the third party apply for financing borrowing to the fund side when receiving a financing instruction, keep for use when receiving an instruction of waiting for payment due, and pay the upstream seller by circulation when receiving an instruction of circulating or splitting to the upstream seller.
4. The method for liquidation of circulation payment based on digital certificate of property of claim 1, wherein the step of associating the commitment to perform book and the digital certificate of property with the account information of the seller corresponding to the liquidation instruction further comprises:
determining the amount of the digital certificate of the property and the payment amount of the promised performance book;
and updating the asset amount of the asset digital certificate associated with the account information of the buyer according to the payment amount so as to deduct and separate the asset amount.
5. The method for liquidation of circulation payment based on digital certificate of property as claimed in claim 1, wherein said step of generating a commitment to perform book based on said transaction information further comprises:
sending the commitment and performance book and the asset digital certificate to a terminal corresponding to the seller, so that the seller confirms the commitment and performance book and the asset digital certificate;
and when receiving confirmation information sent by a terminal corresponding to the seller, executing the step of associating the commitment performance book and the asset digital certificate with account information of the seller corresponding to the clearing instruction.
6. The method for liquidation of circulation payment based on digital certificate of property as claimed in claim 1, wherein the step of determining the property and transaction information associated with the account information to generate digital certificate of property and to generate the book of committed fulfillment comprises:
determining the amount of the asset digital voucher and determining the payment amount according to the transaction information;
determining whether the asset amount is greater than or equal to the payment amount;
and when the asset amount is greater than or equal to the payment amount, generating a commitment performing book according to the asset and transaction information associated with the account information.
7. The method for liquidation of a fransfer payment based on a digital certificate for an asset as claimed in claim 6, wherein the step of determining whether the asset amount is greater than or equal to the payment amount is followed by further comprising:
and when the asset amount is less than the payment amount, outputting prompt information of insufficient balance of the amount of the asset digital certificate to a terminal corresponding to the buyer.
8. The asset digitization document based circulation payment clearing method according to any one of claims 1-7, wherein the asset digitization document based circulation payment clearing method further comprises:
establishing a uniform settlement center, and opening virtual accounts in the settlement center by the buyer and the seller and the fund party;
the settlement center sends information to the buyer terminal of each issued asset data certificate so that each buyer pays the asset amount corresponding to the asset data certificate to the settlement center; and
and the settlement center pays the asset amount corresponding to the expired asset digital certificate to the account information of the seller corresponding to each expired asset digital certificate and associates the entity accounts of the buyer and the seller with the entity accounts to realize the fund receipt and payment of the entity accounts of the banks.
9. A circulation payment clearing apparatus, comprising a memory, a processor and a clearing program stored in the memory and executable on the processor, the clearing program when executed by the processor implementing the steps of the asset digital voucher based circulation payment clearing method according to any one of claims 1 to 8.
10. A medium, characterized in that the storage medium stores a liquidation program, which when executed by a processor implements the steps of the asset digitized credential based circulation payment liquidation method according to any one of claims 1 to 8.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911161891.8A CN110956453A (en) | 2019-11-22 | 2019-11-22 | Circulation payment clearing method and device based on asset digital certificate and medium |
| PCT/CN2020/102688 WO2021098250A1 (en) | 2019-11-22 | 2020-07-17 | Circulation, payment and clearing method and apparatus based on asset digital certificate, and medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911161891.8A CN110956453A (en) | 2019-11-22 | 2019-11-22 | Circulation payment clearing method and device based on asset digital certificate and medium |
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| CN110956453A true CN110956453A (en) | 2020-04-03 |
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| CN201911161891.8A Pending CN110956453A (en) | 2019-11-22 | 2019-11-22 | Circulation payment clearing method and device based on asset digital certificate and medium |
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| WO (1) | WO2021098250A1 (en) |
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| WO2021098250A1 (en) | 2021-05-27 |
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