CN110956457A - Block chain-based fund digital transfer payment clearing method, device and medium - Google Patents
Block chain-based fund digital transfer payment clearing method, device and medium Download PDFInfo
- Publication number
- CN110956457A CN110956457A CN201911171110.3A CN201911171110A CN110956457A CN 110956457 A CN110956457 A CN 110956457A CN 201911171110 A CN201911171110 A CN 201911171110A CN 110956457 A CN110956457 A CN 110956457A
- Authority
- CN
- China
- Prior art keywords
- digital wallet
- buyer
- information
- platform
- payment
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
Abstract
The invention discloses a block chain-based fund digital transfer payment clearing method, which comprises the following steps of: when a preset platform of the block chain underlying framework platform receives preset information, acquiring account information of a buyer; acquiring transaction information between a buyer and a seller corresponding to account information and fund digital information of the buyer from a blockchain business system platform in a blockchain underlying architecture platform; generating a first digital wallet of the buyer according to the fund digitization information, wherein the first digital wallet comprises a fund amount, and the fund amount is isolated; and generating a second digital wallet of the buyer according to the transaction information and the first digital wallet, associating the second digital wallet with the account information of the seller, and transferring the second digital wallet to the seller to complete the transaction payment of the buyer to the seller. The invention also provides a fund digital transfer payment clearing device and a readable storage medium. The online transaction payment system has higher convenience and safety guarantee for online transaction payment.
Description
Technical Field
The invention relates to the technical field of electronic payment and supply chain finance, in particular to a method, a device and a medium for clearing digital fund transfer payment based on a block chain.
Background
With the activity of commercial activities and the use of internet technologies and mobile internet technologies, people's trading transactions and payment of goods are more and more widely realized on the internet or a mobile internet platform or a cloud platform or a big data platform, but the internet, the mobile internet or the cloud platform has poor information confidentiality, data is easy to tamper, and the data is easy to attack by external hackers, so that the rights and interests security of both buyers and sellers cannot be guaranteed. That is, in the prior art, the security of online transaction is low. Meanwhile, the current payment is realized by bank deposit or cash delivery remittance, along with the application of a digital technology, the popularization and the use of digital currency and legal currency in the central bank, and the use and the payment of the digitalized unit or individual fund in various media such as an electronic platform and the like are very significant.
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 block chain-based fund digital circulation payment clearing method, a block chain-based fund digital circulation payment clearing device and a readable storage medium, and aims to simplify the conventional fund settlement payment method, solve the problem of low safety guarantee of online transactions in the prior art, and simultaneously solve the problem that the conventional transaction payment uses bank deposit or cash delivery payment, but changes the bank deposit or cash into the digital wallet circulation payment, so that the bank deposit and cash usage amount is reduced, and the development of financial services is promoted.
In order to achieve the above object, the present invention provides a method for clearing a digital fund transfer based on a blockchain, which is applied to a digital fund transfer payment clearing device, wherein the digital fund transfer payment clearing device comprises a blockchain infrastructure platform, and the method for clearing a digital fund transfer based on a blockchain comprises the following steps:
when a preset platform of the block chain underlying framework platform receives preset information, acquiring account information of a buyer, wherein the preset platform is a block chain payment platform when the preset information comprises a clearing instruction, the preset platform is a block chain financing platform when the preset information comprises a financing request, and the preset platform is a block chain digital wallet receiving and sending platform when the preset information comprises a digital wallet receiving and generating function; when the preset information comprises a settlement request of the digital wallet, the preset platform is a blockchain digital wallet settlement platform;
acquiring transaction information between a buyer and a seller corresponding to the account information and fund digitization information of the buyer in a blockchain business system platform in the blockchain underlying architecture platform;
generating a first digital wallet of the buyer according to the fund digitization information, wherein the first digital wallet comprises information such as fund amount and due payment date, and the fund amount is isolated;
and generating a second digital wallet of the buyer according to the transaction information and the first digital wallet, associating the second digital wallet with account information of the seller, and transferring the second digital wallet to the seller to complete transaction payment of the buyer to the seller.
In one embodiment, the digitalized information of funds of the buyer comprises digitalized information of funds corresponding to the digital wallet of the buyer, the received digital wallet of the third party and/or the received legal digital currency of the bank.
In one embodiment, the step of generating a second digital wallet for the buyer from the transaction information and the first digital wallet comprises:
determining payment amount and payment time according to the transaction information;
generating a second digital wallet of the buyer according to the payment amount, the payment time and the first digital wallet, wherein the fund amount of the second digital wallet is the payment amount.
In one embodiment, after the step of associating the second digital wallet with the seller's account information, the method further comprises:
determining a payment amount for the second digital wallet;
and sending the payment amount and the account information of the buyer to a block chain business system platform so that the block chain business system platform can update the fund amount of the first digital wallet of the buyer according to the payment amount and the account information of the buyer.
In one embodiment, the step of generating the buyer's first digital wallet from the funds digitization information comprises:
determining the identity and payment amount of a buyer and a seller according to the transaction information, and determining the fund amount of the buyer according to the fund digitization information;
when the fund amount is larger than or equal to the payment amount, generating a first digital wallet of the buyer according to the identification of the buyer and the seller and the fund amount;
and when the fund amount is smaller than the payment amount, outputting prompting information of insufficient fund balance to a terminal corresponding to the buyer.
In one embodiment, the step of determining the amount of funds of the buyer according to the digital funds information further comprises:
when the fund amount is larger than or equal to the payment amount, detecting whether the fund digitalized information contains fund digitalized information corresponding to a digital wallet of a third party and legal digital currency of a bank;
when the fund digital information contains a digital wallet of a third party and bank legal digital currency, outputting prompt information whether to adopt the digital wallet of the third party and the bank legal digital currency to pay the seller to the terminal of the buyer;
generating a first digital wallet of the buyer by the digital wallet of the third party and legal digital currency of the bank when receiving confirmation information sent based on the prompt information;
and when receiving the negative confirmation information sent based on the prompt information, executing the step of generating the first digital wallet of the buyer according to the identity of the buyer and the fund amount.
In one embodiment, after the step of associating the second digital wallet with the seller's account information, the method further comprises:
upon receiving the second digital wallet of the buyer, updating the funds digitization information associated with the seller in the blockchain business system platform according to the funds amount of the second digital wallet.
In one embodiment, after the step of associating and transferring the second digital wallet with the seller's account information, the method further comprises:
the block chain digital wallet settlement platform of the block chain underlying framework platform sends information to the terminals of the buyers of the various issued second digital wallets so that the buyers can pay the fund amount corresponding to the second digital wallets; and
and the blockchain digital wallet settlement platform of the blockchain infrastructure platform pays the fund amount corresponding to the expired second digital wallets to the account information of the sellers corresponding to the expired second digital wallets.
In order to achieve the above object, the present invention further provides a digital fund flow payment clearing apparatus, which includes a blockchain infrastructure platform, wherein the blockchain infrastructure platform includes a blockchain payment platform, a blockchain financing platform, a blockchain digital wallet transceiving platform, a blockchain service system platform, and a blockchain digital wallet settlement platform, and further includes a memory, a processor, and a clearing program stored in the memory and executable on the processor, and when executed by the processor, the clearing program implements the steps of the digital fund flow payment clearing method based on blockchains as described above.
To achieve the above object, the present invention also provides a medium storing a clearing program which, when executed by a processor, implements the steps of the block chain-based funds digitized flow payment clearing method as described above.
Block chain digital wallet settlement platform block chain digital wallet settlement platform
According to the asset digital circulation payment clearing method, device and medium based on the blockchain, when a blockchain bottom layer framework platform in the clearing device receives preset information, account information of a buyer is obtained, transaction information between the buyer and a seller corresponding to the account information and fund digital information of the buyer are obtained in a blockchain business system platform according to the account information, a first digital wallet of the buyer is generated according to the fund digital information, a second digital wallet of the buyer is generated according to the transaction information and the first digital wallet, and the second digital wallet is related to the account information of the seller, so that the buyer can complete transaction payment for the seller. The block chain has the characteristics of a multi-party consensus mechanism, publicly verifiable accounts book and data non-falsification, so that the circulation payment clearing device obtains the fund digitalized information of the buyer and the transaction information of the buyer and the seller from the block chain, the condition that the rights and interests of the buyer and the seller cannot be guaranteed due to falsification of the fund digitalized information and the transaction information is avoided, and the safety guarantee performance of online transaction is high; the buyer can complete transaction payment to the seller on line according to the fund amount of the digital wallet, the transaction payment of the buyer and the seller can be realized without bank transfer, and the online downward payment of the buyer and the seller is not needed, so that the clearing process of the buyer and the seller is simplified; on the premise of guaranteeing the rights and interests of both buyers and sellers, the clearing processes of both trading parties are simplified.
Drawings
Fig. 1 is a schematic diagram of a hardware structure of an asset digital circulation payment clearing device according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a first embodiment of a block chain-based asset digital circulation payment clearing method according to the present invention;
fig. 3 is a flowchart illustrating a second embodiment of the method for clearing payment for digitized circulation of assets based on block chain according to 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 a preset platform of the block chain underlying framework platform receives preset information, acquiring account information of a buyer, wherein when the preset information comprises a clearing instruction and includes a financing request, the preset platform is a block chain financing platform, and when the preset information includes that a digital wallet is received and generated, the preset platform is a block chain digital wallet transceiving platform; when the preset information comprises a settlement request of the digital wallet, the preset platform is a blockchain digital wallet settlement platform; acquiring transaction information between a buyer and a seller corresponding to the account information and fund digitization information of the buyer in a blockchain business system platform in the blockchain underlying architecture platform; generating a first digital wallet of the buyer according to the funds digitization information, wherein the first digital wallet includes an amount of funds that is segregated; and generating a second digital wallet of the buyer according to the transaction information and the first digital wallet, associating the second digital wallet with account information of the seller, and transferring the second digital wallet to the seller to complete transaction payment of the buyer to the seller.
The block chain has the characteristics of a multi-party consensus mechanism, publicly verifiable accounts book and data non-falsification, so that the circulation payment clearing device obtains the fund digitalized information of the buyer and the transaction information of the buyer and the seller from the block chain, the condition that the rights and interests of the buyer and the seller cannot be guaranteed due to falsification of the fund digitalized information and the transaction information is avoided, and the safety guarantee performance of online transaction is high; the buyer can complete transaction payment to the seller on line according to the asset amount of the digital wallet, the transaction payment of the buyer and the seller can be realized without bank transfer, and the online downward payment of the buyer and the seller is not needed, so that the clearing process of the buyer and the seller is simplified; on the premise of guaranteeing the rights and interests of both buyers and sellers, the clearing processes of both trading parties are simplified.
Fig. 1 is a schematic hardware configuration diagram of an asset digital circulation payment clearing device according to an embodiment of the present invention.
As shown in fig. 1, the asset digitized circulation payment clearing apparatus 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 shown in fig. 1 does not constitute a limitation of the asset digital stream payment clearing device 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 a preset platform of the block chain underlying framework platform receives preset information, acquiring account information of a buyer, wherein the preset platform is a block chain payment platform when the preset information comprises a clearing instruction, the preset platform is a block chain financing platform when the preset information comprises a financing request, and the preset platform is a block chain digital wallet receiving and sending platform when the preset information comprises a digital wallet receiving and generating function; when the preset information comprises a settlement request of the digital wallet, the preset platform is a blockchain digital wallet settlement platform;
acquiring transaction information between a buyer and a seller corresponding to the account information and fund digitization information of the buyer in a blockchain business system platform in the blockchain underlying architecture platform;
generating a first digital wallet of the buyer according to the fund digitization information, wherein the first digital wallet comprises information such as fund amount and due payment date, and the fund amount is isolated;
and generating a second digital wallet of the buyer according to the transaction information and the first digital wallet, associating the second digital wallet with account information of the seller, and transferring the second digital wallet to the seller to complete transaction payment of the buyer to the seller.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
the fund digitalization information of the buyer comprises fund digitalization information corresponding to a digital wallet of the buyer, a received digital wallet of a third party and/or received bank legal digital currency.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
determining payment amount and payment time according to the transaction information;
generating a second digital wallet of the buyer according to the payment amount, the payment time and the first digital wallet, wherein the fund amount of the second digital wallet is the payment amount.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
determining a payment amount for the second digital wallet;
and sending the payment amount and the account information of the buyer to a block chain business system platform so that the block chain business system platform can update the fund amount of the first digital wallet of the buyer according to the payment amount and the 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:
determining the identity and payment amount of a buyer and a seller according to the transaction information, and determining the fund amount of the buyer according to the fund digitization information;
when the fund amount is larger than or equal to the payment amount, generating a first digital wallet of the buyer according to the identification of the buyer and the seller and the fund amount;
and when the fund amount is smaller than the payment amount, outputting prompting information of insufficient fund balance 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:
when the fund amount is larger than or equal to the payment amount, detecting whether the fund digitalized information contains fund digitalized information corresponding to a digital wallet of a third party and legal digital currency of a bank;
when the fund digital information contains a digital wallet of a third party and bank legal digital currency, outputting prompt information whether to adopt the digital wallet of the third party and the bank legal digital currency to pay the seller to the terminal of the buyer;
generating a first digital wallet of the buyer by the digital wallet of the third party and legal digital currency of the bank when receiving confirmation information sent based on the prompt information;
and when receiving the negative confirmation information sent based on the prompt information, executing the step of generating the first digital wallet of the buyer according to the identity of the buyer and the fund amount.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
upon receiving the second digital wallet of the buyer, updating the funds digitization information associated with the seller in the blockchain business system platform according to the funds amount of the second digital wallet.
In one embodiment, processor 1001 may call a clearing program stored in memory 1003, and further perform the following operations:
the block chain digital wallet settlement platform of the block chain underlying framework platform sends information to the terminals of the buyers of the various issued second digital wallets so that the buyers can pay the fund amount corresponding to the second digital wallets; and
and the blockchain digital wallet settlement platform of the blockchain infrastructure platform pays the fund amount corresponding to the expired second digital wallets to the account information of the sellers corresponding to the expired second digital wallets.
Based on the hardware construction, the invention provides various embodiments of the fund digitalized transfer payment clearing method based on the block chain.
Referring to fig. 2, a first embodiment of the present invention provides a method for clearing a digital fund transfer payment based on a blockchain, where the method for clearing a digital fund transfer payment based on a blockchain includes the following steps:
step S10, when a preset platform of the blockchain underlying framework platform receives preset information, the preset platform acquires account information of a buyer, when the preset information comprises a clearing instruction, the preset platform is a blockchain payment platform, when the preset information comprises a financing request, the preset platform is a blockchain financing platform, and when the preset information comprises that a digital wallet is received and generated, the preset platform is a blockchain digital wallet receiving and sending platform; when the preset information comprises a settlement request of the digital wallet, the preset platform is a blockchain digital wallet settlement platform;
in the present embodiment, the execution subject is a fund digitalized circulation payment clearing device, and for convenience of description, the circulation payment clearing device is referred to as a clearing device hereinafter. The clearing device comprises a block chain bottom framework platform, wherein the block chain bottom framework platform comprises a block chain payment platform, a block chain financing platform, a block chain digital wallet receiving and sending platform, a block chain business system platform and a block chain digital wallet clearing platform. That is, the default platform is required to include a blockchain underlying architecture including a blockchain payment platform, a blockchain financing platform, a blockchain digital wallet transceiving platform, a blockchain business system platform, and a blockchain digital wallet settlement platform. The blockchain payment platform is used for realizing payment and payment functions of buyers and sellers, the blockchain financing platform is used for realizing the financing function of a financing party and a financed party, the blockchain digital wallet transceiving platform is used for receiving and generating a digital wallet, the blockchain business system platform is used for storing information such as transaction information and fund digitalized information of the two parties involved in transaction, settlement, financing and loan, and the blockchain digital wallet settlement platform is used for settling the digital wallet. The payment, financing and lending processes are consistent, and the following describes the present embodiment in detail by taking the buyer and the seller as an example.
The trading parties may clear the transaction on the clearing device, i.e., the buyer may 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 a clearing instruction to the clearing device through the clearing APP on the terminals. 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.
Step S20, obtaining transaction information between the buyer and the seller corresponding to the account information and fund digitization information of the buyer in a blockchain business system platform in the blockchain infrastructure platform;
the clearing device can communicate with the blockchain business system platform to acquire transaction information of buyers and sellers and fund digitalized information of the buyers corresponding to the account information of the buyers in the blockchain business system platform. Specifically, the buyer can associate the transaction information and the fund digitalized information with the account information to obtain associated information, and then store the associated information into the block chain service system platform so as to allow the buyer and the seller to carry out transaction payment. 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 shipments, 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. And the fund digitalization information refers to the deposit of the user at the bank, the process fund of the user and the received legal digital currency of the bank. The bank legal digital currency is made available by the user debiting and crediting the bank. The digital fund information is subjected to mortgage, trust, identification isolation and the like to determine the authenticity of the digital fund information and ensure that the fund amount corresponding to the digital fund information is isolated, so that a buyer cannot use the fund amount to perform other offline transactions, namely the fund amount is temporarily frozen. In addition, the fund digital information should carry an inward transfer and separation transfer protocol, a payment and payment guarantee protocol, a bank line protocol, an asset mortgage line protocol, an enterprise digital wallet protocol, a compulsory bank digital currency protocol and the like, and the clearing device needs to simultaneously obtain the fund digital information and the protocol carried by the fund digital information; if the fund digitalized information carries the protocol, the clearing device has the authority to control the fund digitalized information of the buyer; if the fund digitalized information does not carry such a protocol, the clearing device does not have the authority to control the fund digitalized information of the buyer, namely the buyer cannot use the fund digitalized information to carry out transaction payment on the seller, at the moment, the clearing device outputs prompt information to prompt the buyer to provide the protocol for managing and controlling the fund digitalized information, and the payment transaction of the buyer and the seller is terminated.
Step S30, generating a first digital wallet of the buyer according to the fund digitization information, wherein the first digital wallet comprises a fund amount which is isolated;
the clearing arrangement may generate a first digital wallet for the buyer based on the funds digitization information. Specifically, the clearing device can determine the fund amount of the buyer according to the fund digitalized information, wherein the fund amount is the mobile fund of the user, the deposit of the bank and the legal digital currency of the bank. The clearing device then determines the identity of the buyer, and a first digital wallet of the buyer can be generated according to the amount of the funds and the identity of the buyer. The identity may be the business where the buyer is located or the name, identification card, etc. of the buyer. Further, when the first digital wallet is generated, the clearing device determines whether the fund amount of the buyer is larger than or equal to the payment amount, and if the fund amount is larger than or equal to the payment amount, the clearing device generates the first digital wallet according to the identity of the buyer and the fund amount. If the amount of funds is less than the payment amount, the clearing device may determine that the buyer is unable to pay the seller for the full amount. At this time, the clearing device outputs the prompt information of insufficient fund balance to the terminal of the buyer, and prompts the buyer to add new fund to complete the transaction. And the clearing device interrupts the current transaction.
Step S40, generating a second digital wallet of the buyer according to the transaction information and the first digital wallet, and associating the second digital wallet with the account information of the seller and forwarding the second digital wallet to the seller to complete the transaction payment of the buyer to the seller.
After the clearing device generates the first digital wallet, the clearing device obtains the amount of money to be paid to the seller by the buyer and the payment time according to the transaction information, wherein the payment time can be the current time or the time appointed by the buyer and the seller. The clearing device then generates a second digital wallet for the buyer based on the payment amount, the payment time, and the first digital wallet. The amount of funds on the first digital wallet is the payment amount, and the second digital wallet has the identity of the buyer.
And after the clearing device generates the second digital wallet, the clearing device sends the second digital wallet to the account information of the seller so as to transfer the second digital wallet to the seller, so that the second digital wallet is associated with the account information of the seller, and the transaction payment of the buyer to the seller is completed. It will be appreciated that the second digital wallet associated with the seller's account information may determine the amount of funds held by the seller on the buyer's second digital wallet, which is the amount the buyer needs to pay the seller for the transaction.
In this embodiment, the fund digitalized information and the transaction information stored in the blockchain service system platform participate in accounting, data verification, storage, maintenance, transmission and other processes by upstream and downstream enterprises of both transaction parties, financial institutions, similar financial institutions, banks and service providers, and a pure mathematical method is adopted to establish a trust relationship between distributed nodes, so that the data stored in the blockchain service system platform is guaranteed to be real and reliable. In the embodiment, the transaction information and the asset information are extracted from the blockchain business system platform, and the blockchain has the characteristics of non-falsification, multi-party accounting, decentralization, consensus mechanism and the like, so that the information in the blockchain is determined to be transparent, fair and credible, and the equity security of both the buyer and the seller is guaranteed.
The block chain underlying architecture platform is constructed by the etherhouse technology. The block chain bottom layer structure is composed of a physical layer, a data layer, a network layer, a consensus layer, an excitation layer and an application layer. A blockchain business system platform, a blockchain payment platform, a blockchain digital wallet transceiving platform, a blockchain financing platform and a blockchain digital wallet settlement platform are developed on an application layer, and supply chain transaction parties participated by multiple parties of capital parties of upstream and downstream transaction parties and each node, logistics, service, bank and similar financial institutions on the chain of the transaction parties and an alliance chain for realizing services including equity and obligation, payment and the like are realized through the application platforms. The alliance chain is a block chain type, and between the public chain and the private chain, only with alliance members, authority and accounting rules are established according to alliance rules. The method is used for trading and clearing among enterprise levels, industry associations and organizations. The block chain has the characteristics of multicentralization, a consensus mechanism, time sequence data, multi-maintenance, intelligent contracts and safety and credibility.
In the technical solution provided in this embodiment, when receiving preset information, a blockchain infrastructure platform in the clearing apparatus acquires account information of a buyer, acquires transaction information between the buyer and a seller corresponding to the account information and fund digitization information of the buyer in a blockchain service system platform according to the account information, generates a first digital wallet of the buyer according to the fund digitization information, generates a second digital wallet of the buyer according to the transaction information and the first digital wallet, and associates the second digital wallet with the account information of the seller, so that the buyer completes transaction payment for the seller. The block chain has the characteristics of a multi-party consensus mechanism, publicly verifiable accounts book and data non-falsification, so that the circulation payment clearing device obtains the fund digitalized information of the buyer and the transaction information of the buyer and the seller from the block chain, the condition that the rights and interests of the buyer and the seller cannot be guaranteed due to falsification of the fund digitalized information and the transaction information is avoided, and the safety guarantee performance of online transaction is high; the buyer can complete transaction payment to the seller on line according to the asset amount of the digital wallet, the transaction payment of the buyer and the seller can be realized without bank transfer, and the online downward payment of the buyer and the seller is not needed, so that the clearing process of the buyer and the seller is simplified; on the premise of guaranteeing the rights and interests of both buyers and sellers, the clearing processes of both trading parties are simplified.
In one embodiment, the seller can use the second digital wallet associated with the account information to conduct a third party transaction, that is, the seller pays the buyer to the seller by the second digital wallet, transfers the second digital wallet to the third party, and then the transaction between the seller and the third party is realized. Because the amount of funds on the second digital wallet represents the funds, the seller can apply for financing the second digital wallet of the buyer or invest in the first digital wallet to add value to the amount of assets in the first digital wallet. Alternatively, the seller may also wait for the current time to reach the contracted time in the second digital wallet to receive the amount of the second digital wallet. Thus, the roles of the seller and buyer are interchangeable based on the currency of the second digital wallet. In addition, the user can borrow the bank, after the borrowing is successful, the bank can pay the bank legal digital currency to the account of the user, and the fund digital information corresponding to the bank legal digital currency is used as the fund digital information of the seller. Therefore, when the buyer and the seller are transacting, the buyer can provide the seller with the second digital wallet of the third party held by the buyer, namely, the third party second digital wallet can be contained in the fund digitalized information of the buyer. Thus, after the seller's account information is associated with the second digital wallet, the second digital wallet may be sent into the blockchain, thereby causing the blockchain to update the seller's funds digitization information.
In one embodiment, the clearing device may send the second digital wallet to a terminal corresponding to the seller at the time of the second digital wallet. The seller can check whether the information of the fund amount, the payment time, the payer and the like in the second digital wallet is correct. If no problem exists, the seller can send the determination information to the clearing device based on the clearing APP of the terminal.
And the clearing device can determine that the two parties confirm the second digital wallet to be correct after receiving the determination information sent by the seller, and then sends the second digital wallet to the account of the seller so as to associate the account information of the seller with the second digital wallet to complete 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 of the parties, the payment of the transaction from the buyer to the seller is interrupted.
In the technical scheme provided by this embodiment, after the clearing device generates the second digital wallet, the clearing device sends the second digital wallet to the seller for the seller to confirm, so as to avoid causing property loss of the seller.
Referring to fig. 3, fig. 3 is a second embodiment of the asset digital circulation payment clearing method based on the blockchain according to the present invention, and based on the first embodiment, after the step S40, the method further includes:
step S50, determining the payment amount of the second digital wallet;
step S60, sending the payment amount and the account information of the buyer to a blockchain business system platform, so that the blockchain business system platform updates the fund amount of the first digital wallet of the buyer according to the payment amount and the account information of the buyer.
In this embodiment, after the buyer pays the seller using the second digital wallet, the amount of funds on the first digital wallet associated with the account information of the buyer needs to be updated. Specifically, after the buyer provides the second digital wallet to the seller, the buyer actually mortises a part of the funds to the seller, and therefore, the amount of the funds of the buyer needs to be reduced. Therefore, the clearing device determines the payment amount of the second digital wallet, and then sends the account information and the payment amount of the buyer to the blockchain business system platform, so that the blockchain business system platform updates the fund amount of the first digital wallet of the buyer according to the payment and the account information, namely reduces the fund balance of the first digital wallet, and the clearing device can obtain the correct first digital wallet from the blockchain business system platform to complete the transaction payment of the buyer to other sellers.
In the technical solution provided in this embodiment, after the clearing apparatus sends the second digital wallet to the seller for association, the clearing apparatus sends the payment amount and the account information to the blockchain business system platform, so that the blockchain updates the fund amount of the first digital wallet of the buyer, and thus the clearing apparatus can obtain the correct first digital wallet from the blockchain business system platform to complete the transaction payment of the buyer to other sellers.
In one embodiment, the blockchain digital wallet clearing platform of the clearing device will settle the balance at the end of each day. Specifically, at the end of the day, the blockchain digital wallet settlement platform determines the second digital wallet that was issued, which may be the amount of funds the buyer has made to the seller. The blockchain digital wallet settlement platform acquires the fund amount of the buyer based on the second digital wallet delivered to the seller, namely the blockchain digital wallet settlement platform sends information to the terminal corresponding to each buyer issuing the second digital wallet, so that each buyer inputs the fund amount of the issued second digital wallet into the blockchain settlement platform.
At the current end, the blockchain digital wallet settlement platform also determines the second digital wallet that is due, which is held by the seller. Therefore, the blockchain digital wallet settlement platform can punch the fund amount of the expired second digital wallet into the transaction account corresponding to the seller, delete the expired second digital wallet and complete the payment of the blockchain settlement platform for the seller. The blockchain digital wallet settlement platform can calculate the rolling difference of the day according to the total amount of the issued second digital wallets and the total amount of the second digital wallets with the payment due.
The settlement is carried out on the block chain digital settlement platform by opening a virtual account, and the payment of funds on the bank account is realized by associating the virtual account with the entity bank account.
The invention also provides a digital fund flow payment clearing device, which is characterized by comprising a blockchain infrastructure platform, wherein the blockchain infrastructure platform comprises a blockchain payment platform, a blockchain financing platform, a blockchain digital wallet transceiving platform, a blockchain business system platform and a blockchain digital wallet settlement platform, the digital fund flow payment clearing device further comprises a memory, a processor and a clearing program which is stored in the memory and can run on the processor, and the clearing program realizes the steps of the digital fund flow payment clearing method based on the blockchain in the embodiment when being executed by the processor. It is based on the technology such as intelligent contract of block chain technology, many accounts book, common recognition mechanism, traceable etc. through each step of clearing described in the above embodiments.
The present invention also provides a readable storage medium storing a clearing program which, when executed by a processor, implements the steps of the blockchain-based circulation payment clearing method as described in the above embodiments. And block chaining techniques are used throughout the various steps.
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 block chain-based fund digitalized transfer payment clearing method is applied to a fund digitalized transfer payment clearing device and is characterized in that the fund digitalized transfer payment clearing device comprises a block chain underlying framework platform, and the block chain-based fund digitalized transfer payment clearing method comprises the following steps:
when a preset platform of the block chain underlying framework platform receives preset information, acquiring account information of a buyer, wherein the preset platform is a block chain payment platform when the preset information comprises a clearing instruction, the preset platform is a block chain financing platform when the preset information comprises a financing request, and the preset platform is a block chain digital wallet receiving and sending platform when the preset information comprises a digital wallet receiving and generating function; when the preset information comprises a settlement request of the digital wallet, the preset platform is a blockchain digital wallet settlement platform;
acquiring transaction information between a buyer and a seller corresponding to the account information and fund digitization information of the buyer in a blockchain business system platform in the blockchain underlying architecture platform;
generating a first digital wallet of the buyer according to the fund digitization information, wherein the first digital wallet comprises information such as fund amount and due payment date, and the fund amount is isolated;
and generating a second digital wallet of the buyer according to the transaction information and the first digital wallet, associating the second digital wallet with account information of the seller, and transferring the second digital wallet to the seller to complete transaction payment of the buyer to the seller.
2. The method for clearing a digital flow of funds payment based on block chain of claim 1, wherein the digitized funds information of the buyer includes digitized funds information corresponding to the digital wallet of the buyer, the received digital wallet of the third party and/or the received legal digital currency of the bank.
3. The blockchain-based digitized flow of funds payment clearing method of claim 1, wherein the step of generating a second digital wallet of the buyer from the transaction information and the first digital wallet comprises:
determining payment amount and payment time according to the transaction information;
generating a second digital wallet of the buyer according to the payment amount, the payment time and the first digital wallet, wherein the fund amount of the second digital wallet is the payment amount.
4. The blockchain-based digitized flow of funds payment clearing method of claim 1, wherein the step of associating the second digital wallet with the seller's account information is followed by further comprising:
determining a payment amount for the second digital wallet;
and sending the payment amount and the account information of the buyer to a block chain business system platform so that the block chain business system platform can update the fund amount of the first digital wallet of the buyer according to the payment amount and the account information of the buyer.
5. The blockchain-based funds digitization flow payment clearing method of claim 1, wherein the step of generating the buyer's first digital wallet according to the funds digitization information comprises:
determining the identity and payment amount of a buyer and a seller according to the transaction information, and determining the fund amount of the buyer according to the fund digitization information;
when the fund amount is larger than or equal to the payment amount, generating a first digital wallet of the buyer according to the identification of the buyer and the seller and the fund amount;
and when the fund amount is smaller than the payment amount, outputting prompting information of insufficient fund balance to a terminal corresponding to the buyer.
6. The method for clearing a digitized flow of funds payment based on block chain of claim 5, wherein the step of determining the amount of funds of the buyer based on the digitized information of funds is followed by further comprising:
when the fund amount is larger than or equal to the payment amount, detecting whether the fund digitalized information contains fund digitalized information corresponding to a digital wallet of a third party and legal digital currency of a bank;
when the fund digital information contains a digital wallet of a third party and bank legal digital currency, outputting prompt information whether to adopt the digital wallet of the third party and the bank legal digital currency to pay the seller to the terminal of the buyer;
generating a first digital wallet of the buyer by the digital wallet of the third party and legal digital currency of the bank when receiving confirmation information sent based on the prompt information;
and when receiving the negative confirmation information sent based on the prompt information, executing the step of generating the first digital wallet of the buyer according to the identity of the buyer and the fund amount.
7. The blockchain-based digitized flow of funds payment clearing method of claim 1, wherein the step of associating the second digital wallet with the seller's account information is followed by further comprising:
upon receiving the second digital wallet of the buyer, updating the funds digitization information associated with the seller in the blockchain business system platform according to the funds amount of the second digital wallet.
8. The method for clearing a digital flow of funds payment according to any of claims 1-7 wherein after the step of associating and transferring the second digital wallet to a seller with account information of the seller, further comprising:
the block chain digital wallet settlement platform of the block chain underlying framework platform sends information to the terminals of the buyers of the various issued second digital wallets so that the buyers can pay the fund amount corresponding to the second digital wallets; and
and the blockchain digital wallet settlement platform of the blockchain infrastructure platform pays the fund amount corresponding to the expired second digital wallets to the account information of the sellers corresponding to the expired second digital wallets.
9. A digital funding flow payment clearing apparatus, comprising a blockchain infrastructure platform, the blockchain infrastructure platform comprising a blockchain payoff platform, a blockchain financing platform, a blockchain digital wallet transceiving platform, a blockchain business system platform, and a blockchain digital wallet settlement platform, the digital funding flow payment clearing apparatus further comprising a memory, a processor, and a clearing program stored in the memory and operable on the processor, the clearing program when executed by the processor implementing the steps of the digital funding flow payment clearing method based on blockchain as claimed in any one of claims 1 to 8.
10. A medium, characterized in that it stores a clearing program which, when executed by a processor, implements the steps of the block chain based funds digitized flow payment clearing method according to any of the claims 1-8.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911171110.3A CN110956457A (en) | 2019-11-22 | 2019-11-22 | Block chain-based fund digital transfer payment clearing method, device and medium |
| PCT/CN2020/102690 WO2021098252A1 (en) | 2019-11-22 | 2020-07-17 | Blockchain-based payment settlement method and apparatus for digital transfer of funds, and medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911171110.3A CN110956457A (en) | 2019-11-22 | 2019-11-22 | Block chain-based fund digital transfer payment clearing method, device and medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110956457A true CN110956457A (en) | 2020-04-03 |
Family
ID=69978451
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201911171110.3A Pending CN110956457A (en) | 2019-11-22 | 2019-11-22 | Block chain-based fund digital transfer payment clearing method, device and medium |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN110956457A (en) |
| WO (1) | WO2021098252A1 (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111768181A (en) * | 2020-07-01 | 2020-10-13 | 厦门力含信息技术服务有限公司 | Data clearing system combining big data and credit block chain |
| CN112070602A (en) * | 2020-09-10 | 2020-12-11 | 云加数据科技(深圳)有限公司 | Method and system for tracking and accounting virtual account of bank |
| CN112613947A (en) * | 2020-12-25 | 2021-04-06 | 深圳市辰宝信息服务有限公司 | Method for fast trading of bulk goods, right confirming system and readable storage medium |
| WO2021098252A1 (en) * | 2019-11-22 | 2021-05-27 | 肖光昱 | Blockchain-based payment settlement method and apparatus for digital transfer of funds, and medium |
| CN113034148A (en) * | 2020-07-03 | 2021-06-25 | 北京天德科技有限公司 | Digital legal currency processing method based on block chain token and account book double authentication |
| CN113450093A (en) * | 2021-07-06 | 2021-09-28 | 山西特信环宇信息技术有限公司 | Real-time consensus authentication method and system for digital change wallet based on cone block chain |
| CN113723939A (en) * | 2021-08-09 | 2021-11-30 | 肖光昱 | Block chain-based digital RMB payment method, device, terminal and medium |
| WO2023123153A1 (en) * | 2021-12-30 | 2023-07-06 | Shanghai Wanxiang Block Chain Co., Ltd. | Systems and methods for miner fee settlement between wallets |
Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20170316394A1 (en) * | 2014-11-06 | 2017-11-02 | Ruilong ZHU | Cross-Border Payment and Clearing System and Cross-Border Payment Method Based on Digital Currency |
| CN107369010A (en) * | 2017-07-25 | 2017-11-21 | 光载无限（北京）科技有限公司 | A kind of creation method of the stored value card based on block chain |
| CN108596608A (en) * | 2018-04-28 | 2018-09-28 | 比飞力（深圳）科技有限公司 | A kind of method and device of digital wallet transaction |
| CN109345214A (en) * | 2018-10-12 | 2019-02-15 | 深圳市区块跳动网络技术有限公司 | A kind of method of payment, system and the associated component of digital cash Wallet System |
| CN109493018A (en) * | 2018-11-06 | 2019-03-19 | 徐宁 | A kind of C2C transaction and system for settling account and method based on block chain |
| CN109829719A (en) * | 2019-02-22 | 2019-05-31 | 中国农业银行股份有限公司 | A kind of connectionless across account book DvP settlement method and system |
| CN109872137A (en) * | 2019-01-30 | 2019-06-11 | 北京沃东天骏信息技术有限公司 | A kind of electronic trade method, node and storage medium |
| US20190205877A1 (en) * | 2018-01-03 | 2019-07-04 | Coolbitx Ltd. | Method of digital asset transaction |
| CN110009485A (en) * | 2019-03-21 | 2019-07-12 | 东莞市大易产业链服务有限公司 | A kind of digital asset payment and settlement method based on block chain technology |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20190188657A1 (en) * | 2017-12-19 | 2019-06-20 | Mastercard International Incorporated | Method and system for outside guarantees for a blockchain transaction |
| CN110310103A (en) * | 2019-05-30 | 2019-10-08 | 深圳市元征科技股份有限公司 | A kind of resource raises method and block chain node device |
| CN110956457A (en) * | 2019-11-22 | 2020-04-03 | 肖光昱 | Block chain-based fund digital transfer payment clearing method, device and medium |
-
2019
- 2019-11-22 CN CN201911171110.3A patent/CN110956457A/en active Pending
-
2020
- 2020-07-17 WO PCT/CN2020/102690 patent/WO2021098252A1/en active Application Filing
Patent Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20170316394A1 (en) * | 2014-11-06 | 2017-11-02 | Ruilong ZHU | Cross-Border Payment and Clearing System and Cross-Border Payment Method Based on Digital Currency |
| CN107369010A (en) * | 2017-07-25 | 2017-11-21 | 光载无限（北京）科技有限公司 | A kind of creation method of the stored value card based on block chain |
| US20190205877A1 (en) * | 2018-01-03 | 2019-07-04 | Coolbitx Ltd. | Method of digital asset transaction |
| CN108596608A (en) * | 2018-04-28 | 2018-09-28 | 比飞力（深圳）科技有限公司 | A kind of method and device of digital wallet transaction |
| CN109345214A (en) * | 2018-10-12 | 2019-02-15 | 深圳市区块跳动网络技术有限公司 | A kind of method of payment, system and the associated component of digital cash Wallet System |
| CN109493018A (en) * | 2018-11-06 | 2019-03-19 | 徐宁 | A kind of C2C transaction and system for settling account and method based on block chain |
| CN109872137A (en) * | 2019-01-30 | 2019-06-11 | 北京沃东天骏信息技术有限公司 | A kind of electronic trade method, node and storage medium |
| CN109829719A (en) * | 2019-02-22 | 2019-05-31 | 中国农业银行股份有限公司 | A kind of connectionless across account book DvP settlement method and system |
| CN110009485A (en) * | 2019-03-21 | 2019-07-12 | 东莞市大易产业链服务有限公司 | A kind of digital asset payment and settlement method based on block chain technology |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2021098252A1 (en) * | 2019-11-22 | 2021-05-27 | 肖光昱 | Blockchain-based payment settlement method and apparatus for digital transfer of funds, and medium |
| CN111768181A (en) * | 2020-07-01 | 2020-10-13 | 厦门力含信息技术服务有限公司 | Data clearing system combining big data and credit block chain |
| CN113034148A (en) * | 2020-07-03 | 2021-06-25 | 北京天德科技有限公司 | Digital legal currency processing method based on block chain token and account book double authentication |
| CN112070602A (en) * | 2020-09-10 | 2020-12-11 | 云加数据科技(深圳)有限公司 | Method and system for tracking and accounting virtual account of bank |
| CN112070602B (en) * | 2020-09-10 | 2021-05-07 | 云加数据科技(深圳)有限公司 | Method and system for tracking and accounting virtual account of bank |
| CN112613947A (en) * | 2020-12-25 | 2021-04-06 | 深圳市辰宝信息服务有限公司 | Method for fast trading of bulk goods, right confirming system and readable storage medium |
| CN113450093A (en) * | 2021-07-06 | 2021-09-28 | 山西特信环宇信息技术有限公司 | Real-time consensus authentication method and system for digital change wallet based on cone block chain |
| CN113723939A (en) * | 2021-08-09 | 2021-11-30 | 肖光昱 | Block chain-based digital RMB payment method, device, terminal and medium |
| WO2023123153A1 (en) * | 2021-12-30 | 2023-07-06 | Shanghai Wanxiang Block Chain Co., Ltd. | Systems and methods for miner fee settlement between wallets |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2021098252A1 (en) | 2021-05-27 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20230237447A1 (en) | Blockchain-based exchange with tokenisation | |
| CN110992007A (en) | Asset digital voucher payment clearing method, device and medium based on block chain | |
| CN110956457A (en) | Block chain-based fund digital transfer payment clearing method, device and medium | |
| JP6957482B2 (en) | Methods and systems for secure transfer of entities on a blockchain basis | |
| KR102610487B1 (en) | Crypto integration platform | |
| CN108027921B (en) | System and method for facilitating secure transactions in non-financial institution systems | |
| US10387881B2 (en) | Virtual payment processing system | |
| JP2023036786A (en) | Device, system and method for smoothing value transfer between parties with low or no trust | |
| CN115136168A (en) | System and method for providing a blockchain recording process | |
| WO2017098519A1 (en) | A system and method for automated financial transaction validation, processing and settlement using blockchain smart contracts | |
| CN111656378A (en) | Progressive digital asset collateral wallet | |
| CA3038757A1 (en) | System and method for cryptographic transactions | |
| CN109313764A (en) | Tokenized system and method are carried out to the Deposit Account Number used at Payment Card receiving station | |
| US20170344967A1 (en) | Online stock payment system | |
| WO2018060951A1 (en) | A system for trading in a contract-free manner | |
| CN108352014A (en) | Use the technology business of block chain, clearance and the system and method for settling accounts securities trading | |
| US20080162348A1 (en) | Electronic-Purse Transaction Method and System | |
| CN110956453A (en) | Circulation payment clearing method and device based on asset digital certificate and medium | |
| WO2020071965A1 (en) | Decentralized digital payment service system | |
| CN111242786A (en) | Digital operation method and device for block chain supply chain financial platform | |
| WO2014079330A1 (en) | Synchronous payment system | |
| KR20200116042A (en) | A payment agent system that supports providing the service based on the second payment means based on non-virtual asset in connection with a service providing system that provides a service to the user based on the first payment means based on the virtual asset and a payment agency method using the same | |
| KR20130083050A (en) | Banking payment agency system using a virtual account and controlling method therefor | |
| CN112116482A (en) | Financing data processing method and device based on block chain | |
| Byrum | The past, present, and future of the payment system as trusted broker and the implications for banking |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20200403 |