CN111667272A - Digital currency using method and device based on region and interest rate and electronic equipment - Google Patents

Digital currency using method and device based on region and interest rate and electronic equipment Download PDF

Info

Publication number
CN111667272A
CN111667272A CN202010523658.6A CN202010523658A CN111667272A CN 111667272 A CN111667272 A CN 111667272A CN 202010523658 A CN202010523658 A CN 202010523658A CN 111667272 A CN111667272 A CN 111667272A
Authority
CN
China
Prior art keywords
digital currency
interest rate
rule
payment instruction
currency
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
Application number
CN202010523658.6A
Other languages
Chinese (zh)
Inventor
刘伟韡
孙炎森
徐晓剑
陈卓
刘强
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Citic Bank Corp Ltd
Digital Currency Institute of the Peoples Bank of China
Original Assignee
China Citic Bank Corp Ltd
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by China Citic Bank Corp Ltd filed Critical China Citic Bank Corp Ltd
Priority to CN202010523658.6A priority Critical patent/CN111667272A/en
Publication of CN111667272A publication Critical patent/CN111667272A/en
Pending legal-status Critical Current

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
    • G06Q20/38—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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q20/401—Transaction verification

Abstract

The application provides a digital currency using method, a device and electronic equipment based on region and interest rate, which are applied to the technical field of digital currency, wherein the method sets the usage region rule and interest rate rule of the digital currency according to the first payment instruction of the digital currency of the payer, thereby controlling the use area of the digital currency and the interest rate condition which can be used, realizing the supervision of the digital currency, avoiding the digital currency from flowing into a non-target area for use, and to avoid use in a specific area when the interest rate condition is not satisfied, for example, digital money is set to be usable only in an area corresponding to country a on the premise that the interest rate condition is satisfied, the digital currency cannot be used in the region corresponding to the country B, and even the region corresponding to the country a cannot be used under the condition that the interest rate condition is not satisfied, so that the fine management and control of the digital currency can be realized.

Description

Digital currency using method and device based on region and interest rate and electronic equipment
Technical Field
The application relates to the technical field of digital currency, in particular to a digital currency using method and device based on regions and interest rates and an electronic device.
Background
Digital currency is legal currency issued by or authorized by a central bank, in the form of an encrypted digital string representing a specific amount, including the amount of digital currency, an issuer identification, and an owner identification, the digital currency being held in a central bank digital wallet.
At present, the control of digital currency and electronic currency in the central bank is difficult to control, and particularly, once the currency is centralized and gushed, the forward periodic behavior of the national economy is easily aggravated and the reverse periodic regulation of the government is not facilitated. Therefore, how to realize the management and control of digital currency becomes a problem to be solved urgently.
Disclosure of Invention
The application provides a digital currency using method, a device and electronic equipment based on regions and interest rates, which can control digital currency to be used only when specific regions and specific interest rate conditions are met, so that digital currency can be monitored, the digital currency is prevented from flowing into non-target regions to be used, and the digital currency is prevented from being used in specific regions when the interest rate conditions are not met. The technical scheme adopted by the application is as follows:
in a first aspect, there is provided a method of digital currency use based on region and interest rate, the method comprising,
after receiving a first payment instruction of the digital currency from a payer, changing the owner identification of the digital currency into a user specified by the first payment instruction, and setting or changing the usage area rule and the interest rate rule of the digital currency into the usage area rule and the interest rate rule specified by the first payment instruction, so as to obtain a first target digital currency;
the first target digital currency is sent to the user.
Optionally, the method further comprises:
after receiving a second payment instruction of the digital currency of the user, verifying whether the use area and the interest rate of the digital currency corresponding to the second payment instruction accord with the use area rule and the interest rate rule specified by the first payment instruction;
if the usage area rule and the interest rate rule specified by the first payment instruction are met, changing the owner identification of the digital currency into a payee specified by the second payment instruction, and setting the usage area of the digital currency to be not limited by the area rule and not limited by the interest rate rule, thereby obtaining a second target digital currency;
sending the second targeted digital currency to the recipient.
Optionally, the setting or alteration using the region rules and/or interest rate rules is set according to a smart contract associated with the digital currency.
Optionally, the usage area rule and/or interest rate rule is set by the payer according to a usage attribute of the digital currency and included in the digital currency from the payer.
Optionally, the digital currency is a cryptographic string that includes an amount of the digital currency, an issuer identification, and an owner identification, the cryptographic string further including a smart contract identification attribute field that associates the digital currency with the smart contract.
Optionally, the smart contract includes an identification associating the digital currency with the smart contract.
In a second aspect, there is provided a digital currency use device based on region and interest rate, the device comprising,
the system comprises a first changing module, a second changing module and a third changing module, wherein the first changing module is used for changing the owner identification of the digital currency into a user specified by a first payment instruction after receiving the first payment instruction of the digital currency from a payer, and setting or changing the usage area rule and the interest rate rule of the digital currency into the usage area rule and the interest rate rule specified by the first payment instruction, so as to obtain a first target digital currency;
a first sending module for sending the first target digital currency to the payer.
Optionally, the apparatus further comprises:
the verification module is used for verifying whether the use area and the interest rate of the digital currency corresponding to the second payment instruction accord with the use area rule and the interest rate rule specified by the first payment instruction or not after receiving the second payment instruction of the digital currency of the payer;
a second changing module, configured to change the owner identifier of the digital currency to a payee specified by the second payment instruction if the usage area rule and the interest rate rule specified by the first payment instruction are met, and set the usage area of the digital currency to be unrestricted by the area rule and unrestricted by the interest rate rule, thereby obtaining a second target digital currency;
a second sending module to send the second target digital currency to the recipient.
Optionally, the setting or alteration using the region rules and/or interest rate rules is set according to a smart contract associated with the digital currency.
Optionally, the usage area rule and/or interest rate rule is set by the payer according to a usage attribute of the digital currency and included in the digital currency from the payer.
Optionally, the digital currency is a cryptographic string that includes an amount of the digital currency, an issuer identification, and an owner identification, the cryptographic string further including a smart contract identification attribute field that associates the digital currency with the smart contract.
Optionally, the smart contract includes an identification associating the digital currency with the smart contract.
In a third aspect, an electronic device is provided, which includes:
one or more processors;
a memory;
one or more application programs, wherein the one or more application programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to: the region-and-interest-rate-based digital currency use method shown in the first aspect is performed.
In a fourth aspect, there is provided a computer-readable storage medium for storing computer instructions which, when run on a computer, cause the computer to perform the region and interest rate based digital currency use method of the first aspect.
The application provides a digital currency using method, a device and electronic equipment based on region and interest rate, wherein after a first payment instruction of digital currency from a payer is received, the owner identification of the digital currency is changed to a user specified by the first payment instruction, and a usage region rule and an interest rate rule of the digital currency are set or changed to the usage region rule and the interest rate rule specified by the first payment instruction, so that a first target digital currency is obtained; sending the first target digital currency to the user. The method includes the steps that a use area rule and an interest rate rule of digital currency are set according to a first payment instruction of the digital currency of a payer, so that a use area of the digital currency and an interest rate condition capable of being used can be controlled, supervision on the digital currency is achieved, the digital currency is prevented from flowing into a non-target area to be used, and the digital currency is prevented from being used in a specific area when the interest rate condition is not met.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
FIG. 1 is a flow chart illustrating a method for using digital currency based on region and interest rate according to an embodiment of the present application;
FIG. 2 is a schematic diagram of a digital currency dispenser based on area and interest rate according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present application;
FIG. 4 is a diagram illustrating the expression and attributes of digital currency.
Detailed Description
Reference will now be made in detail to the embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present application.
As used herein, the singular forms "a", "an" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
The micro-service is not only the micro-service itself but also a system provides a set of basic framework, the framework can enable the micro-service to be independently deployed, operated and upgraded, and the micro-service can be structurally loosely coupled and functionally represented as a unified whole. The 'unified whole' can be represented by a unified style interface, unified authority management, a unified security policy, a unified online process, a unified log and auditing method, a unified scheduling mode, a unified access entry and the like.
The embodiment of the application provides a digital currency using method based on regions and interest rates, and as shown in fig. 1, the method can include the following steps:
step S101, after a first payment instruction of digital currency from a payer is received, changing the owner identification of the digital currency into a user specified by the first payment instruction, and setting or changing the usage area rule and the interest rate rule of the digital currency into the usage area rule and the interest rate rule specified by the first payment instruction, so as to obtain a first target digital currency;
step S102, sending the first target digital currency to the user.
Further, the method may further include:
step S103 (not shown in the figure), after receiving a second payment instruction of the digital currency of the user, verifying whether a usage area and an interest rate of the digital currency corresponding to the second payment instruction conform to a usage area rule and an interest rate rule specified by the first payment instruction;
step S104 (not shown in the figure), if the usage area rule and the interest rate rule specified by the first payment instruction are met, changing the owner identification of the digital currency to the payee specified by the second payment instruction, and setting the usage area of the digital currency to be not limited by the area rule and not limited by the interest rate rule, thereby obtaining a second target digital currency;
step S105 (not shown in the figure) of sending the second target digital currency to the transferee.
Step S106 (not shown), if the usage area rule specified by the first payment instruction is not met, rejecting the payment request. And if the usage area rule specified by the first payment instruction is met but the interest rate rule specified by the first payment instruction is not met, rejecting the payment request.
Wherein the setting or alteration of usage area rules and/or interest rate rules may be set in accordance with a smart contract associated with the digital currency.
In another embodiment, the setting or changing of the usage area rule may be set by the payer according to the usage attribute of the digital money and included in the digital money from the payer.
Wherein the digital currency is a cryptographic string that includes an amount of the digital currency, an issuer identification, and an owner identification, the cryptographic string further including an intelligent contract identification attribute field that associates the digital currency with the intelligent contract.
Wherein the smart contract includes an identification associating the digital currency with the smart contract. Specifically, to associate digital currency with smart contracts, embodiments of the present invention provide two ways: one is to add a smart contract identification attribute field to the digital currency encryption string through which the digital currency is directly associated with the smart contract. The other method is to add the identification of the digital currency encryption string or the identification of the digital currency transaction characteristics in the intelligent contract, and the digital currency encryption string is specified through the identification of the digital currency encryption string so as to associate the digital currency with the intelligent contract. Digital currency transactions such as payments, smart contracts may be created by identifying particular payment characteristics, such as: payer information, payee information, and thus to the digital currency in which the transaction takes place between all of them.
In addition, digital authentication is used in the process of initiating transaction and running intelligent contracts by digital currency, the basic technology of the digital authentication is to use an asymmetric encryption algorithm to carry out digital signature, and a hash algorithm is used in a signature algorithm.
Specifically, the method for using digital currency based on region and interest rate in the embodiment of the present invention may include one or two or more than two using parties, and each of the using parties may initiate an operation of transferring the digital currency to a next using party or a receiving party after receiving the digital currency with usage rules.
For example, fig. 3 is a schematic diagram of expressions and attributes of digital currency according to an embodiment of the present invention, and as shown in fig. 3, the entire character string of the digital currency is encrypted, i.e., the digital currency is represented as an encrypted character string. The attribute of the digital currency is recorded in sub-fields. The fields themselves are scalable and each field is of variable length. The fields may be extended as needed (i.e., application extension). The digital currency encryption string has uniqueness. No part of the digital currency encryption string has regularity.
The attributes of digital currency may include the most basic amount, issuer identification and owner identification. The digital currency contains a unique number (currency number field). The digital currency owner identification may be associated with the real name of the real user. The specific association establishes a correspondence of owner identification to real user by the digital currency system. In the encryption string of digital currency, the owner identification is anonymous, and the background of the digital currency system can realize real name.
Digital currency attributes may include a number of attributes, such as may include currency management attributes, which are a type of field used to support the management of currency issuance currency by currency authorities. The digital currency security attribute is a group of fields related to digital currency security encryption, and can realize the purposes of digital currency non-counterfeiting, non-tampering, non-repudiation, privacy protection, transaction security protection and the like. The digital currency application attribute is a group of fields of the digital currency which meet the requirements of application scenes and value-added services, and can realize functions of controlling fund flow, executing intelligent contracts and the like. Digital currency is a string of encrypted words that identify its owner and amount, representing the currency the owner owns. In a digital money transfer transaction process, the transfer is reflected in the transfer of the owner. After each transaction, the digital currency before the transaction occurred is invalidated, and new digital currency is generated. The old currency before transaction is called the source currency, and the new currency after transaction is called the destination currency. The entire transaction process forms a chain of digital money transfers, thereby enabling digital money traceability. The digital currency background can convert the owner identification into a real user, thereby realizing the anonymous foreground and real-name tracking of the background.
The application attribute field is a group of fields of the digital currency meeting the requirements of application scenes and value-added services, and can realize functions of controlling fund flow, executing intelligent contracts and the like. In this case, the usage region rule and interest rate rule of the digital money may be set in the application extension.
In addition, after the RMB is internationalized in the future, the electronic currency of the RMB can also be used as the French currency of other countries, and in order to ensure the currency quantity circulating in the country, the method can realize the control of the use area of the electronic currency. If the number of the digital currency in a certain country or region is limited, the sudden inrush and inrush of the currency are avoided, and the effective control of the digital currency is realized; in addition, the interest rate condition of the digital currency can be limited. In addition, for example, in domestic trade areas, harbor and australian platforms and the like, the interest rate of the area can be set to reach the specified interest rate, the currency is set to take effect in the area, or the currency preparation money is improved, so that the fine regulation and control of the currency are realized.
The embodiment of the application provides a region and interest rate based digital currency using method, after a first payment instruction of digital currency from a payer is received, the owner identification of the digital currency is changed to a user specified by the first payment instruction, and a usage region rule and an interest rate rule of the digital currency are set or changed to a usage region rule and an interest rate rule specified by the first payment instruction, so that a first target digital currency is obtained; sending the first target digital currency to the user. The method includes the steps that a use area rule and an interest rate rule of digital currency are set according to a first payment instruction of the digital currency of a payer, so that a use area of the digital currency and an interest rate condition capable of being used can be controlled, supervision on the digital currency is achieved, the digital currency is prevented from flowing into a non-target area to be used, and the digital currency is prevented from being used in a specific area when the interest rate condition is not met.
Fig. 2 is a block diagram of a digital currency utilization apparatus 20 according to an embodiment of the present invention, including: a first change module 201, a first sending module 202, wherein,
the system comprises a first changing module, a second changing module and a third changing module, wherein the first changing module is used for changing the owner identification of the digital currency into a user specified by a first payment instruction after receiving the first payment instruction of the digital currency from a payer, and setting or changing the usage area rule and the interest rate rule of the digital currency into the usage area rule and the interest rate rule specified by the first payment instruction, so as to obtain a first target digital currency;
a first sending module for sending the first target digital currency to the payer.
The embodiment of the application provides a region and interest rate based digital currency using device, which changes the owner identification of digital currency into a user specified by a first payment instruction after receiving the first payment instruction of the digital currency from a payer, and sets or changes the usage region rule and the interest rate rule of the digital currency into the usage region rule and the interest rate rule specified by the first payment instruction, thereby obtaining a first target digital currency; sending the first target digital currency to the user. The method includes the steps that a use area rule and an interest rate rule of digital currency are set according to a first payment instruction of the digital currency of a payer, so that a use area of the digital currency and an interest rate condition capable of being used can be controlled, supervision on the digital currency is achieved, the digital currency is prevented from flowing into a non-target area to be used, and the digital currency is prevented from being used in a specific area when the interest rate condition is not met.
The embodiment of the present application provides a possible implementation manner, and further, the apparatus further includes:
the verification module is used for verifying whether a digital currency use area corresponding to a second payment instruction and a collection main body accord with a use area rule and an interest rate rule specified by the first payment instruction or not after receiving the second payment instruction of the digital currency of the user;
a second changing module, configured to change the owner identifier of the digital currency to a payee specified by the second payment instruction if the usage area rule and the interest rate rule specified by the first payment instruction are met, and set the usage area of the digital currency to be unrestricted by the area rule and unrestricted by the interest rate rule, thereby obtaining a second target digital currency;
a second sending module to send the second target digital currency to the recipient.
Wherein the setting or alteration using the region rule and/or the interest rate rule is set according to a smart contract associated with the digital currency.
Wherein the usage area rule and/or interest rate rule is set by the payer according to a usage attribute of the digital currency and included in the digital currency from the payer.
Wherein the digital currency is a cryptographic string that includes an amount of the digital currency, an issuer identification, and an owner identification, the cryptographic string further including an intelligent contract identification attribute field that associates the digital currency with the intelligent contract.
Wherein the smart contract includes an identification associating the digital currency with the smart contract.
The digital currency using device based on the region and interest rate of the present embodiment can perform the digital currency using method based on the region and interest rate provided in the above embodiments of the present application, which achieves similar principles and similar beneficial effects, and is not repeated herein.
An embodiment of the present application provides an electronic device, as shown in fig. 4, an electronic device 40 shown in fig. 4 includes: a processor 4001 and a memory 4003. Processor 4001 is coupled to memory 4003, such as via bus 4002. Further, the electronic device 40 may also include a transceiver 4004. In addition, the transceiver 4004 is not limited to one in practical applications, and the structure of the electronic device 40 is not limited to the embodiment of the present application. The processor 4001 is applied in the embodiment of the present application, and is used to implement the functions of the modules shown in fig. 2. The transceiver 4004 includes a receiver and a transmitter.
Processor 4001 may be a CPU, general purpose processor, DSP, ASIC, FPGA or other programmable logic device, transistor logic device, hardware component, or any combination thereof. Which may implement or perform the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor 4001 may also be a combination that performs a computational function, including, for example, a combination of one or more microprocessors, a combination of a DSP and a microprocessor, or the like.
Bus 4002 may include a path that carries information between the aforementioned components. Bus 4002 may be a PCI bus, EISA bus, or the like. The bus 4002 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in FIG. 4, but this does not indicate only one bus or one type of bus.
Memory 4003 may be, but is not limited to, a ROM or other type of static storage device that can store static information and instructions, a RAM or other type of dynamic storage device that can store information and instructions, an EEPROM, a CD-ROM or other optical disk storage, an optical disk storage (including compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), a magnetic disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer.
The memory 4003 is used for storing application codes for executing the scheme of the present application, and the execution is controlled by the processor 4001. The processor 4001 is configured to execute application code stored in the memory 4003 to implement the functions of the area and interest rate-based digital money using apparatus provided in the embodiment shown in fig. 2.
The embodiment of the application provides electronic equipment, after a first payment instruction of digital currency from a payer is received, the owner identification of the digital currency is changed into a user specified by the first payment instruction, and a usage area rule and an interest rate rule of the digital currency are set or changed into the usage area rule and the interest rate rule specified by the first payment instruction, so that a first target digital currency is obtained; sending the first target digital currency to the user. The method includes the steps that a use area rule and an interest rate rule of digital currency are set according to a first payment instruction of the digital currency of a payer, so that a use area of the digital currency and an interest rate condition capable of being used can be controlled, supervision on the digital currency is achieved, the digital currency is prevented from flowing into a non-target area to be used, and the digital currency is prevented from being used in a specific area when the interest rate condition is not met.
The embodiment of the application provides an electronic device suitable for the method embodiment. And will not be described in detail herein.
The present application provides a computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, the method shown in the above embodiments is implemented.
The embodiment of the application provides a computer-readable storage medium, after a first payment instruction of digital currency from a payer is received, the owner identification of the digital currency is changed into a payer specified by the first payment instruction, and the usage area rule and the interest rate rule of the digital currency are set or changed into the usage area rule and the interest rate rule specified by the first payment instruction, so that a first target digital currency is obtained; sending the first target digital currency to the user. The method includes the steps that a use area rule and an interest rate rule of digital currency are set according to a first payment instruction of the digital currency of a payer, so that a use area of the digital currency and an interest rate condition capable of being used can be controlled, supervision on the digital currency is achieved, the digital currency is prevented from flowing into a non-target area to be used, and the digital currency is prevented from being used in a specific area when the interest rate condition is not met.
The embodiment of the application provides a computer-readable storage medium which is suitable for the method embodiment. And will not be described in detail herein.
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
The foregoing is only a partial embodiment of the present application, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present application, and these modifications and decorations should also be regarded as the protection scope of the present application.

Claims (10)

1. The method for using the digital currency based on the region and the interest rate is characterized by comprising the following steps:
after a first payment instruction of digital currency from a payer is received, changing the owner identification of the digital currency into a user specified by the first payment instruction, and setting or changing the usage area rule and the interest rate rule of the digital currency into the usage area rule and the interest rate rule specified by the first payment instruction, so as to obtain a first target digital currency;
sending the first target digital currency to the user.
2. The method of claim 1, further comprising:
after receiving a second payment instruction of the digital currency of the user, verifying whether the use area and the interest rate of the digital currency corresponding to the second payment instruction accord with the use area rule and the interest rate rule specified by the first payment instruction;
if the usage area rule and the interest rate rule specified by the first payment instruction are met, changing the owner identification of the digital currency into a payee specified by the second payment instruction, and setting the usage area of the digital currency to be not limited by the area rule and not limited by the interest rate rule, thereby obtaining a second target digital currency;
sending the second targeted digital currency to the recipient.
3. The method according to claim 1 or 2, characterized in that: the setting or alteration using the region rule and/or the interest rate rule is set according to a smart contract associated with the digital currency.
4. The method according to claim 1 or 2, characterized in that: the usage area rule and/or interest rate rule is set by the payer according to the usage attribute of the digital money and included in the digital money from the payer.
5. The method according to claim 1 or 2, characterized in that: the digital currency is a cryptographic string that includes an amount of the digital currency, an issuer identification, and an owner identification, the cryptographic string further including a smart contract identification attribute field that associates the digital currency with the smart contract.
6. The method of claim 3, wherein: the smart contract includes an identification associating the digital currency with the smart contract.
7. A digital currency usage device based on area and interest rate, comprising:
the system comprises a first changing module, a second changing module and a third changing module, wherein the first changing module is used for changing the owner identification of the digital currency into a user specified by a first payment instruction after receiving the first payment instruction of the digital currency from a payer, and setting or changing the usage area rule and the interest rate rule of the digital currency into the usage area rule and the interest rate rule specified by the first payment instruction, so as to obtain a first target digital currency;
a first sending module for sending the first target digital currency to the payer.
8. The apparatus of claim 7, further comprising:
the verification module is used for verifying whether the use area and the interest rate of the digital currency corresponding to the second payment instruction accord with the use area rule and the interest rate rule specified by the first payment instruction or not after receiving the second payment instruction of the digital currency of the payer;
a second changing module, configured to change the owner identifier of the digital currency to a payee specified by the second payment instruction if the usage area rule and the interest rate rule specified by the first payment instruction are met, and set the usage area of the digital currency to be unrestricted by the area rule and unrestricted by the interest rate rule, thereby obtaining a second target digital currency;
a second sending module to send the second target digital currency to the recipient.
9. An electronic device, comprising:
one or more processors;
a memory;
one or more applications, wherein the one or more applications are stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to: performing the region and interest rate based digital currency use method according to any one of claims 1 to 6.
10. A computer-readable storage medium for storing computer instructions which, when run on a computer, cause the computer to perform the region and interest rate based digital currency use method of any one of the preceding claims 1 to 6.
CN202010523658.6A 2020-06-10 2020-06-10 Digital currency using method and device based on region and interest rate and electronic equipment Pending CN111667272A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202010523658.6A CN111667272A (en) 2020-06-10 2020-06-10 Digital currency using method and device based on region and interest rate and electronic equipment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202010523658.6A CN111667272A (en) 2020-06-10 2020-06-10 Digital currency using method and device based on region and interest rate and electronic equipment

Publications (1)

Publication Number Publication Date
CN111667272A true CN111667272A (en) 2020-09-15

Family

ID=72386531

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202010523658.6A Pending CN111667272A (en) 2020-06-10 2020-06-10 Digital currency using method and device based on region and interest rate and electronic equipment

Country Status (1)

Country Link
CN (1) CN111667272A (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101290694A (en) * 2007-04-20 2008-10-22 索尼株式会社 Information processing method and device thereby
CN107358523A (en) * 2017-06-26 2017-11-17 中国人民银行数字货币研究所 The method and apparatus that digital cash orientation uses
US20190392429A1 (en) * 2018-06-22 2019-12-26 Innoplexus Ag Capital inheritance system and method for facilitating transfer of digital cryptocurrency

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101290694A (en) * 2007-04-20 2008-10-22 索尼株式会社 Information processing method and device thereby
CN107358523A (en) * 2017-06-26 2017-11-17 中国人民银行数字货币研究所 The method and apparatus that digital cash orientation uses
US20190392429A1 (en) * 2018-06-22 2019-12-26 Innoplexus Ag Capital inheritance system and method for facilitating transfer of digital cryptocurrency

Similar Documents

Publication Publication Date Title
JP7128111B2 (en) Systems and methods for controlling asset-related activities via blockchain
KR101950912B1 (en) Verification system and method for transaction based block chain
CN109417465B (en) Registration and automatic management method of intelligent contracts executed by block chains
KR101878869B1 (en) Distributed Ledger Device and Distributed Ledger Method for User Identification Management Based on Block Chain
CN111667270A (en) Region-based digital currency using method and device and electronic equipment
US20190385156A1 (en) Decentralized Crypto Token Swap Platform on Mobile Device Apps
CN111667273A (en) Digital currency using method and device based on region and main body and electronic equipment
CN111880746A (en) Method and device for writing service data into block chain system
KR20220141351A (en) Computer-implemented methods and systems for validating tokens for blockchain-based cryptocurrencies
CN111667271A (en) Digital currency using method and device based on region and time and electronic equipment
KR101936759B1 (en) Apparatus and Method for KYC using KYC blockchain
CN108009818B (en) Online payment method and system based on distributed network
KR101878870B1 (en) Distributed Ledger Device and Distributed Ledger Method for Token Issuance and User Identification Management Based on Block Chain
CN111401875B (en) Block chain transfer method and device based on account model
CN111861440A (en) Bank transfer method and system based on block chain network
CN115442380A (en) Transaction blocking method and device for intelligent contract vulnerability attack
CN110245182B (en) Method, apparatus, device and medium for processing distributed data
KR101962285B1 (en) Distributed Ledger Device and Distributed Ledger Method for User Identification Management Based on Block Chain
US11907391B2 (en) Method for performing segmenting locking and merging control of encrypted digital assets based on time dimension
CN111667272A (en) Digital currency using method and device based on region and interest rate and electronic equipment
CN112288576B (en) Charging method and device for 5G network resources
CN111383008B (en) Block chain transfer method and device based on account model
KR102096643B1 (en) Apparatus for KYC using KYC blockchain
Zhang et al. Cross-Chain Interoperability and Collaboration for Keyword-Based Embedded Smart Contracts in the Internet of Things
KR102096640B1 (en) Apparatus for KYC using Token Balance within KYC blockchain

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
TA01 Transfer of patent application right
TA01 Transfer of patent application right

Effective date of registration: 20220111

Address after: Floor 20, block a, Jintang center, No. 18, Fengtai North Road, Fengtai District, Beijing 100071

Applicant after: THE PEOPLES BANK OF CHINA, DIGITAL CASH Research Institute

Applicant after: CHINA CITIC BANK Co.,Ltd.

Address before: 9 Chaoyangmen North Street, Dongcheng District, Beijing, 100010

Applicant before: CHINA CITIC BANK Co.,Ltd.

RJ01 Rejection of invention patent application after publication
RJ01 Rejection of invention patent application after publication

Application publication date: 20200915