CN113537958A - Transaction method, system, medium and transaction system based on digital currency - Google Patents
Transaction method, system, medium and transaction system based on digital currency Download PDFInfo
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Abstract
The invention provides a transaction method, a transaction system, a medium and a transaction system based on digital currency, which comprise the following steps: acquiring trading order information provided by an e-commerce platform; verifying the compliance of the transaction order information to generate transaction information; formulating a smart contract based on the transaction information and submitting the smart contract to a digital currency system to cause the digital currency system to deploy the smart contract in the buyer's digital currency wallet and perform a digital currency transfer transaction when a trigger condition for the smart contract is satisfied; and based on the intelligent contract execution result and the transaction information fed back by the digital currency system, verification and supervision service of bidirectional fusion of distributed and coordinated currency funds and transaction information is realized. The transaction method, the transaction system, the transaction medium and the transaction system based on the digital currency realize the unbinding and the distribution cooperative control of the fund flow and the information flow of both transaction parties.
Description
Technical Field
The invention relates to the technical field of digital currency, in particular to a transaction method, a transaction system, a transaction medium and a transaction system based on the digital currency.
Background
In the prior art, online e-commerce transactions often adopt a form of third party guarantee, namely, a consumer pays money to a third party guarantee platform first, and after confirming that goods transactions are normally completed, the third party platform pays money to merchants. Through the control of the information flow and the fund flow binding of the transaction link, the third-party platform gathers a large amount of social funds and digital assets.
Therefore, the third party convergence platform intercepts the point-to-point flow path of the fund which represents the original transaction of the market. Due to the lack of fused information flow and fund flow, a large amount of newly generated social digital assets are dissociated outside the existing economic and financial statistics and measurement system, so that the more accurate tracking and dynamic control of the microscopic economic endings are more difficult to implement, the national macroscopic economic and financial monitoring and regulation accuracy is weakened, and certain challenges are brought to the establishment of economic and currency policies under new conditions, prevention and solution of major risks, maintenance of a national credit system and other problems.
Meanwhile, in order to play a role of a capital pool, a third-party platform often engages in far-exceeding mixed operation business of transaction guarantee business, and the mixed operation with fuzzy boundaries not only causes financial supervision difficulty, but also brings certain hidden dangers to benefit guarantee of buyers and sellers and the like, is not beneficial to the service of the e-commerce, and particularly is beneficial to the continuous and deep development of novel cross-border e-commerce.
The digital characteristic of the digital RMB can not only be a value tool for measuring data assets, but also be used as an exchange medium for E-commerce transactions, so that the direct butt joint of the currency and transaction information is realized, and the digital RMB becomes real 'digital currency'. After the currency is digitalized, various differentiated financial characteristic information can be borne through the expanded attributes, and the characteristic application requirements of various digital currency scenes are enriched and supported, such as the condition payment function triggered by time conditions, scene conditions and role conditions by using intelligent contracts. Thus, these characteristics of digital currency also provide the possibility of building new, transparent, fair third party vouching transactions.
Disclosure of Invention
In view of the above drawbacks of the prior art, an object of the present invention is to provide a transaction method, system, medium and transaction system based on digital currency, which perform intelligent contract making, monitoring, triggering, dispute resolution, etc. for both buyers and sellers based on the transaction system, and implement deployment and execution of intelligent contracts based on the digital currency system, thereby implementing unbinding and distributed cooperative control of fund flow and information flow of both parties of transaction.
To achieve the above and other related objects, the present invention provides a digital currency based transaction method, comprising the steps of: acquiring transaction order information provided by an e-commerce platform, wherein the transaction order information is generated by signing the transaction order generated on the e-commerce platform by a buyer and a seller, and then encrypting the signature by the e-commerce platform; verifying the compliance of the transaction order information to generate transaction information; formulating a smart contract based on the transaction information and submitting the smart contract to a digital currency system to cause the digital currency system to deploy the smart contract in the buyer's digital currency wallet and perform a digital currency transfer transaction when a trigger condition for the smart contract is satisfied; and based on the intelligent contract execution result and the transaction information fed back by the digital currency system, verification and supervision service of bidirectional fusion of distributed and coordinated currency funds and transaction information is realized.
In an embodiment of the present invention, verifying the compliance of the transaction order information and generating the transaction information includes the following steps:
decrypting the transaction order information by adopting the e-commerce platform public key;
verifying the compliance of the trade order;
and generating the transaction information after the verification is passed.
In an embodiment of the present invention, the transaction information includes a buyer identity, a seller identity, a transaction type, a transaction good, a transaction amount, a transaction time, a buyer digital currency wallet account, and a seller digital currency wallet account; the intelligent contract comprises a payment period, payment conditions, failure processing agreements and triggering conditions.
In an embodiment of the present invention, the transaction system actively determines whether the trigger condition is satisfied, and sends an execution request to the digital money system when the trigger condition is satisfied, so that the digital money system executes a digital money transfer transaction;
or, autonomously determining, by the digital money system, whether the trigger condition is satisfied, and executing a digital money transfer transaction when the trigger condition is satisfied.
The invention provides a transaction system based on digital currency, which comprises an acquisition module, a verification module, a contract module and a transaction module, wherein the acquisition module is used for acquiring the digital currency;
the acquisition module is used for acquiring transaction order information provided by an e-commerce platform, wherein the transaction order information is generated after a buyer and a seller both sign transaction orders generated on the e-commerce platform and then the e-commerce platform signs and encrypts the transaction orders;
the verification module is used for verifying the compliance of the transaction order information and generating transaction information;
the contract module is used for formulating an intelligent contract based on the transaction information and submitting the intelligent contract to a digital currency system so as to enable the digital currency system to deploy the intelligent contract to a digital currency wallet of the buyer and execute digital currency transfer transaction when a triggering condition of the intelligent contract is met;
the transaction module is used for realizing verification and supervision services of bidirectional fusion of distributed and coordinated currency funds and transaction information based on the intelligent contract execution result and the transaction information fed back by the digital currency system.
The present invention provides a storage medium having stored thereon a computer program which, when executed by a processor, implements the above-described digital currency-based transaction method.
The present invention provides a transaction system comprising: a processor and a memory;
the memory is used for storing a computer program;
the processor is configured to execute the computer program stored in the memory to cause the transaction system to perform the above-described digital currency based transaction method.
The invention provides a transaction system based on digital currency, which comprises an e-commerce platform, the transaction system and a digital currency system, wherein the e-commerce platform is connected with the e-commerce platform through a network;
the E-commerce platform is used for providing transaction order information to the transaction system; the transaction order information is generated by signing and encrypting the transaction order generated on the E-commerce platform by a buyer and a seller;
the transaction system verifies the compliance of the transaction order information, generates transaction information, formulates an intelligent contract of the transaction information and submits the intelligent contract to the digital currency system;
the digital currency system is used for receiving the intelligent contract submitted by the transaction system, deploying the intelligent contract on the digital currency wallet of the buyer and executing the digital currency transfer transaction when the triggering condition of the intelligent contract is met.
In one embodiment of the present invention, the digital currency system is further configured to transfer a portion of the vouching commission of the transaction amount directly to the transaction system and the remainder to the seller digital currency wallet based on the smart contract.
In an embodiment of the invention, the digital currency system employs any of the following transaction guaranty modes in deploying the smart contract:
the digital currency system automatically freezes digital currency corresponding to the transaction amount in the buyer digital currency wallet and informs the transaction system that the intelligent contract transaction fails to be deployed when the digital currency is insufficient;
the digital currency system deploying the smart contract based on buyer credit points without freezing any digital currency in a buyer digital currency wallet; and when the intelligent contract is executed, if the digital currency corresponding to the transaction amount is insufficient, reminding or informing the transaction system that the transaction of the intelligent contract deployed fails, and deducting the corresponding transaction return commission charge or the credit point of the buyer digital currency wallet.
As described above, the transaction method, system, medium and transaction system based on digital currency according to the present invention have the following advantages:
(1) the intelligent contract establishment, monitoring, triggering, dispute resolution and the like of the buyer and the seller can be realized based on the transaction system, and the intelligent contract is deployed and executed based on the digital currency system, so that the direct point-to-point currency transaction between the wallet of the buyer and the wallet of the seller is ensured;
(2) by the unbinding and distribution cooperative control of the fund flow and the information flow of both transaction parties, the transparency and fairness of multi-party transaction are realized, and financial supervision and transaction data management can be better promoted;
(3) the system can be embedded into the service operation system of the existing digital currency and a third-party transaction platform/e-commerce platform by a standardized module, has no requirements and restrictions on the specific technical architecture, the safety technical standard of the operation environment and the process specification, has low research and development and deployment cost, is easy to popularize, promotes the deep fusion of the digital currency and the e-commerce scene, and improves the fair, credible and transparent transaction experience of both buyers and sellers;
(4) the digital currency can be bound with transaction data and currency circulation by means of the digital attribute of the digital currency, is unified in association, is beneficial to remodeling the market competition pattern of current payment field data and fund concentration monopoly, helps to promote the digital economy to be constructed by the current private enterprises, is in a mutually closed loop 'blocked' ecology, and is transformed to the future new ecology of government and enterprise with double-wheel drive and open source operation, so that necessary technical infrastructure is provided for optimizing the free circulation of data and currency in the whole society.
Drawings
FIG. 1 is a flow chart illustrating a digital currency based transaction method according to an embodiment of the present invention;
FIG. 2 is a block diagram of a digital currency based transaction method according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a digital currency based transaction system according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of a transaction system according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a digital currency based transaction system according to another embodiment of the invention.
Description of the element reference numerals
31 acquisition module
32 authentication module
33 contract module
34 transaction module
41 processor
42 memory
51 transaction system
52E-commerce platform
53 digital currency system
Detailed Description
The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.
It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, and the type, quantity and proportion of the components in actual implementation may be changed freely, and the layout of the components may be more complicated.
The transaction method, the transaction system, the transaction medium and the transaction system based on the digital currency of the invention carry out the establishment, monitoring, triggering, dispute resolution and the like of the intelligent contracts of the buyer and the seller based on the transaction system, realize the deployment and execution of the intelligent contracts based on the digital currency system, ensure the point-to-point currency transaction between the digital currency purses of the buyer and the seller, realize the unbinding and distribution cooperative control of the fund flow and the information flow of the two parties of the transaction, realize the transparency and fairness of the multi-party transaction, better promote the financial supervision and the transaction data management, and have high practicability.
As shown in fig. 1, in one embodiment, the digital currency based transaction method of the present invention includes the following steps:
and step S1, acquiring transaction order information provided by the e-commerce platform, wherein the transaction order information is generated after a buyer and a seller both sign the transaction order generated on the e-commerce platform and then the transaction order is signed and encrypted by the e-commerce platform.
Specifically, after a buyer and a seller generate a transaction order on an e-commerce platform, the transaction order is signed by the buyer and the seller respectively; and the e-commerce platform generates transaction order information after signature encryption. And the e-commerce platform sends the transaction order information to a transaction system.
The trading system provides a third-party trading guarantee service based on digital currency for the trading demands of market buyers and sellers, and the functions of the trading system include but are not limited to: the intelligent contract of the transaction is formulated, issued, verified and deployed, and a fixed, credible and safe intelligent contract docking interface is established with the digital currency system so as to realize the management and control of transaction data.
And step S2, verifying the compliance of the order information and generating transaction information.
Specifically, after receiving the transaction order information, the transaction system decrypts and verifies the signature by using the e-commerce platform public key, verifies the compliance of the transaction order, and generates the transaction information of the transaction order after the verification is passed. In an embodiment of the invention, the transaction information includes a buyer identity, a seller identity, a transaction type, a transaction good, a transaction amount, a transaction time, and a buyer digital currency wallet account and a seller digital currency wallet account.
Step S3, formulating a smart contract based on the transaction information and submitting the smart contract to a digital currency system, such that the digital currency system deploys the smart contract in the buyer' S digital currency wallet and executes a digital currency transfer transaction when a trigger condition of the smart contract is satisfied.
After the verification is passed, the transaction system formulates the intelligent contract (or other reservation condition payment forms) matched with the transaction order according to the transaction information and signs the intelligent contract. The intelligent contract comprises a payment period, payment conditions, a payment amount, a failure processing agreement, trigger conditions and the like.
The transaction system establishes a fixed and reliable contract docking interface service with the digital currency system according to the digital currency intelligent contract specification, thereby ensuring the speciality, high efficiency, safety and reliability of intelligent contract making and verification, and avoiding the risk that a buyer and a seller directly sign an intelligent contract for transaction and deploy the intelligent contract to a digital currency wallet and the complex flow of intelligent contract making and verification. The digital currency system is used for providing deployment and execution services of the digital currency wallet intelligent contracts, realizing point-to-point transactions between the wallet of a buyer and a wallet of a seller and feedback of the execution condition of the intelligent contracts, and further realizing the management and control of transaction funds.
The transaction system submits the smart contract to the digital currency system. The digital currency system first verifies that the smart contract belongs to a reliable, compliant, secure smart contract formulated by a trusted transaction system and digitally signed, then deploys the smart contract in the buyer's digital currency wallet, and waits for a digital currency transfer transaction to be performed that satisfies a trigger condition of the smart contract. Thus, at this point the buyer's digital currency wallet does not immediately pay digital currency to a third party transaction platform or seller's digital currency wallet.
And step S4, based on the intelligent contract execution result and the transaction information fed back by the digital currency system, the verification and supervision service of bidirectional fusion of distributed and coordinated currency funds and transaction information is realized.
Specifically, the digital currency system feeds back the intelligent contract transaction execution result to the transaction system after signing the intelligent contract transaction execution result. And the transaction system checks by combining the execution result and the transaction information, and finally determines whether the transaction is normally completed. Meanwhile, the transaction system provides bidirectional fused supervision service for the end user or other third parties based on the currency fund flow fed back by the digital currency and the transaction information flow of the platform, and obtains the transaction chain of the digital currency among the specific main wallets.
In the invention, the triggering condition of the intelligent contract can be judged by any one of the following modes;
(1) active judgment of transaction system
Specifically, the transaction system actively determines whether the trigger condition is satisfied and sends an execution request to the digital money system to cause the digital money system to execute a digital money transfer transaction when the trigger condition is satisfied. Wherein the transaction system checks the triggering conditions such as payment time, payment condition, etc. When the trigger condition is satisfied, the transaction system sends an execution request of the smart contract to the digital currency system, thereby actively triggering payment.
(2) Digital currency system autonomous determination
Specifically, the digital money system autonomously determines whether the trigger condition is satisfied and executes a digital money transfer transaction when the trigger condition is satisfied.
And when the digital money system executes the digital money transfer transaction, transferring the digital money corresponding to the transaction amount in the digital money wallet of the buyer to the digital money wallet of the seller. Preferably, the digital currency system is operable to transfer a portion of the vouching commission of the transaction amount directly to the transaction system and the remainder to the seller digital currency wallet pursuant to the smart contract. When the transaction system requests termination of the transaction, the digital currency system directly disassembles the buyer's intelligent contract for the digital currency wallet.
Based on policies specified by the smart contract, credit credits of the buyer's wallet, etc., the digital currency system employs any of the following transaction guaranty modes when deploying the smart contract:
(1) and the digital currency system automatically freezes the digital currency corresponding to the transaction amount in the buyer digital currency wallet and informs the transaction system that the intelligent contract transaction fails to be deployed when the digital currency is insufficient.
(2) The digital currency system deploying the smart contract based on buyer credit points without freezing any digital currency in a buyer digital currency wallet; and when the intelligent contract is executed, if the digital currency corresponding to the transaction amount is insufficient, reminding or informing the transaction system that the intelligent contract is unsuccessfully deployed, and deducting a corresponding transaction return commission charge or a credit point of a buyer digital currency wallet.
And after the transaction is finished, the digital currency system sends the transaction result information to the third-party transaction platform. And the third party transaction platform forwards the transaction result information to the e-commerce platform. And when the transaction result information is transaction failure, the transaction system returns the transaction according to the regulations.
Therefore, in the digital currency based transaction method, the information flow of the whole transaction is in the transaction system, and the fund flow is completely in the digital currency system, so that the point-to-point payment of the digital currency from the buyer digital currency wallet to the seller digital currency wallet directly can be realized based on the intelligent contract during e-commerce transaction. The transaction system does not relate to the problems of pre-collecting buyer funds, using the buyer funds for other purposes and the like, provides a more fair and transparent transaction environment for buyers and sellers, and avoids the binding of a platform to the buyers and sellers. Through unbinding the information flow and the fund flow and associating and unifying, potential risks caused by excessive centralization of data and funds in the field of network transaction are beneficially reshaped. By subdividing and standardizing industry service boundaries such as financial services and third-party transaction guarantee, the national supervision is facilitated. Meanwhile, the transaction guarantee does not relate to the management and control of a large amount of financial funds, so that the industry admission threshold is standardized and reduced, a new market competition mode is favorably introduced into the field of e-commerce, a third party transaction platform providing more professional services for buyers and sellers is provided, and the industry ecology is optimized.
The digital currency based transaction method of the present invention is further illustrated by the following specific examples.
By unbinding the information flow and the fund flow, the distributed cooperative control of the information and the fund is realized, and the services such as the directional supervision of the circulation of the special fund and the like are conveniently realized on the basis of the distributed cooperative service of a third party transaction platform and a digital currency platform.
In this embodiment, taking accurate medical poverty alleviation as an example, when a rescue object meeting the conditions is treated by a fixed-point medical health service institution which is settled at the moment, the self-fee part of the rescue object is subsidized by poverty alleviation by a civil administration department in proportion. The local civil administration department applies for medical assistance funds periodically, and signs an agreement with the local fixed-point medical institution, the medical institution pays the medical assistance funds at first, and the generated funds are checked by the civil administration department and then are settled by the civil administration department and the medical institution.
As shown in fig. 2, the local civil administration periodically applies for the setback of lean-care funds (digital currency) from the upper civil administration and deposits it in the commercial bank digital currency system. Medical institutions regularly send medical aid pad money details to local civil administration departments to apply for settlement, and the local civil administration departments submit transactions to commercial banks to settle accounts with poverty-relief funds after examination.
How do all levels of civil administration customize the flow direction of layer capital? If the civil administration directly cooperates with the commercial bank, the intelligent contract for specific digital currency fund issuing and tracking needs to be customized independently, and the establishment, testing, verification and the like of the intelligent contract are complex professional work, long period, high cost, high risk and difficult for non-professional civil administration and bank institutions. At the same time, if the transaction currency link, purely based on source currency and destination currency, tracks the flow of funds, the digital currency system must control the use of each specific digital currency string at the time of the transaction based on smart contracts and/or other manual/visual control mechanisms.
Through the cooperation of the transaction system and the digital currency system, each level of civil administration part can submit the poor-care currency fund issuing objects (lower-level civil administration departments or medical institutions), the amount proportion or limit constraints, the issuing conditions and the like to the transaction system which is specially responsible for the issuing of the poor-care fund and has public credibility. And the transaction system makes a specialized intelligent contract according to the submitted transaction order, and submits and deploys the specialized intelligent contract to a wallet account corresponding to the digital currency system based on the trusted interface. After the digital currency system executes the intelligent contract according to the condition payment, the execution state of the intelligent contract signed by the bank is fed back to the transaction system, the transaction system then feeds back the execution condition of the intelligent contract fed back by the bank signature and the transaction order submitted by the transaction system to all levels of civil administration departments together, and the civil administration departments can accurately track the issuing and using conditions of the poverty-stricken fund through the reconciliation of the information flow and the fund flow provided by the two parties.
As shown in fig. 3, in one embodiment, the digital currency based transaction system of the present invention includes an acquisition module 31, a verification module 32, a contract module 33, and a transaction module 34.
The acquiring module 31 is configured to acquire transaction order information provided by an e-commerce platform, where the transaction order information is generated by signing a transaction order generated on the e-commerce platform by a buyer and a seller, and then encrypting the transaction order by the e-commerce platform;
the verification module 32 is connected to the acquisition module 31, and is configured to verify compliance of the transaction order information and generate transaction information;
the contract module 33 is connected with the verification module 32 and is used for making a smart contract based on the transaction information and submitting the smart contract to a digital currency system, so that the digital currency system deploys the smart contract on a digital currency wallet of the buyer and executes a digital currency transfer transaction when a triggering condition of the smart contract is met;
the transaction module 34 is connected to the contract module 33, and is configured to implement verification and supervision services of bidirectional fusion of distributed and coordinated monetary funds and transaction information based on the intelligent contract execution result and the transaction information fed back by the digital currency system.
The structures and principles of the obtaining module 31, the verifying module 32, the contract module 33 and the transaction module 34 correspond to the steps in the transaction method based on digital currency, and thus are not described herein again.
It should be noted that the division of the modules of the above apparatus is only a logical division, and the actual implementation may be wholly or partially integrated into one physical entity, or may be physically separated. And these modules can be realized in the form of software called by processing element; or may be implemented entirely in hardware; and part of the modules can be realized in the form of calling software by the processing element, and part of the modules can be realized in the form of hardware. For example, the x module may be a processing element that is set up separately, or may be implemented by being integrated in a chip of the apparatus, or may be stored in a memory of the apparatus in the form of program code, and the function of the x module may be called and executed by a processing element of the apparatus. Other modules are implemented similarly. In addition, all or part of the modules can be integrated together or can be independently realized. The processing element described herein may be an integrated circuit having signal processing capabilities. In implementation, each step of the above method or each module above may be implemented by an integrated logic circuit of hardware in a processor element or an instruction in the form of software.
For example, the above modules may be one or more integrated circuits configured to implement the above methods, such as: one or more Application Specific Integrated Circuits (ASICs), or one or more microprocessors (DSPs), or one or more Field Programmable Gate Arrays (FPGAs), among others. For another example, when one of the above modules is implemented in the form of a Processing element scheduler code, the Processing element may be a general-purpose processor, such as a Central Processing Unit (CPU) or other processor capable of calling program code. For another example, these modules may be integrated together and implemented in the form of a system-on-a-chip (SOC).
The storage medium of the present invention stores thereon a computer program that realizes the above-described digital money-based transaction method when executed by a processor. The storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.
As shown in fig. 4, in an embodiment, the transaction system of the present invention includes: a processor 41 and a memory 42.
The memory 42 is used for storing computer programs.
The memory 42 includes: various media that can store program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.
The processor 41 is connected to the memory 42 for executing the computer program stored in the memory 42 to make the transaction system execute the above-mentioned digital currency based transaction method.
Preferably, the Processor 41 may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; the Integrated Circuit may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, or discrete hardware components.
As shown in fig. 5, in an embodiment, the transaction system based on digital currency of the present invention includes the transaction system 51, the e-commerce platform 52 and the digital currency system 53.
The e-commerce platform 52 is connected with the trading system 51 and used for providing trading order information to the trading system 51; the transaction order information is generated by the e-commerce platform 52 after the buyer and the seller both sign the transaction order generated on the e-commerce platform and then sign and encrypt the transaction order.
The digital currency system 53 is connected to the transaction system 51 and is configured to receive a smart contract submitted by the transaction system 51, deploy the smart contract in the buyer's digital currency wallet, and execute a digital currency transfer transaction when a trigger condition of the smart contract is satisfied.
Preferably, the transaction system 51 and the e-commerce platform 52 can be integrated into a whole, so as to realize integrated services of ordering, transaction, after-sale and the like.
Preferably, the transaction system 51 and the digital currency system 53 may be integrated into a whole, so as to implement services of transaction, transaction tracing and the like based on digital currency.
In summary, the transaction method, system, medium and transaction system based on digital currency of the present invention can realize the establishment, monitoring, triggering, dispute resolution, etc. of the intelligent contracts of the buyer and the seller based on the transaction system, and realize the deployment and execution of the intelligent contracts based on the digital currency system, thereby ensuring the direct point-to-point currency transaction between the buyer and the seller as well as between the wallets; by the unbinding and distribution cooperative control of the fund flow and the information flow of both transaction parties, the transparency and fairness of multi-party transaction are realized, and financial supervision and transaction data management can be better promoted; the system can be embedded into the service operation system of the existing digital currency and a third-party transaction platform/e-commerce platform by a standardized module, has no requirements and restrictions on the specific technical architecture, the safety technical standard of the operation environment and the process specification, has low research and development and deployment cost, is easy to popularize, promotes the deep fusion of the digital currency and the e-commerce scene, and improves the fair, credible and transparent transaction experience of both buyers and sellers; the digital currency can be bound with transaction data and currency circulation by means of the digital attribute of the digital currency, is unified in association, is beneficial to remodeling the market competition pattern of current payment field data and fund concentration monopoly, helps to promote the digital economy to be constructed by the current private enterprises, is in a mutually closed loop 'blocked' ecology, and is transformed to the future new ecology of government and enterprise with double-wheel drive and open source operation, so that necessary technical infrastructure is provided for optimizing the free circulation of data and currency in the whole society. Therefore, the invention effectively overcomes various defects in the prior art and has high industrial utilization value.
The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.
Claims (10)
1. A transaction method based on digital currency, characterized by: the method comprises the following steps:
acquiring transaction order information provided by an e-commerce platform, wherein the transaction order information is generated by signing the transaction order generated on the e-commerce platform by a buyer and a seller, and then encrypting the signature by the e-commerce platform;
verifying the compliance of the transaction order information to generate transaction information;
formulating a smart contract based on the transaction information and submitting the smart contract to a digital currency system to cause the digital currency system to deploy the smart contract in the buyer's digital currency wallet and perform a digital currency transfer transaction when a trigger condition for the smart contract is satisfied;
and based on the intelligent contract execution result and the transaction information fed back by the digital currency system, verification and supervision service of bidirectional fusion of distributed and coordinated currency funds and transaction information is realized.
2. The digital currency based transaction method of claim 1, wherein: verifying the compliance of the transaction order information, and generating transaction information comprises the following steps:
decrypting the transaction order information by adopting the e-commerce platform public key;
verifying the compliance of the trade order;
and generating the transaction information after the verification is passed.
3. The digital currency based transaction method of claim 1, wherein: the transaction information comprises a buyer identity, a seller identity, a transaction type, a transaction good, a transaction amount, a transaction time, a buyer digital currency wallet account and a seller digital currency wallet account; the intelligent contract comprises a payment period, payment conditions, failure processing agreements and triggering conditions.
4. The digital currency based transaction method of claim 1, wherein: actively judging, by the transaction system, whether the trigger condition is satisfied, and sending an execution request to the digital money system when the trigger condition is satisfied, to cause the digital money system to execute a digital money transfer transaction;
or, autonomously determining, by the digital money system, whether the trigger condition is satisfied, and executing a digital money transfer transaction when the trigger condition is satisfied.
5. A digital currency based transaction system, characterized by: the system comprises an acquisition module, a verification module, a contract module and a transaction module;
the acquisition module is used for acquiring transaction order information provided by an e-commerce platform, wherein the transaction order information is generated after a buyer and a seller both sign transaction orders generated on the e-commerce platform and then the e-commerce platform signs and encrypts the transaction orders;
the verification module is used for verifying the compliance of the transaction order information and generating transaction information;
the contract module is used for formulating an intelligent contract based on the transaction information and submitting the intelligent contract to a digital currency system so as to enable the digital currency system to deploy the intelligent contract to a digital currency wallet of the buyer and execute digital currency transfer transaction when a triggering condition of the intelligent contract is met;
the transaction module is used for realizing verification and supervision services of bidirectional fusion of distributed and coordinated currency funds and transaction information based on the intelligent contract execution result and the transaction information fed back by the digital currency system.
6. A storage medium having a computer program stored thereon, characterized in that: the program, when executed by a processor, implements the digital currency based transaction method of any one of claims 1 to 4.
7. A transaction system, characterized by: the method comprises the following steps: a processor and a memory;
the memory is used for storing a computer program;
the processor is for executing the memory-stored computer program to cause the transaction system to perform the digital currency based transaction method of any one of claims 1 to 4.
8. A digital currency based transaction system, characterized by: including an e-commerce platform, the transaction system of claim 7, and a digital currency system;
the E-commerce platform is used for providing transaction order information to the transaction system; the transaction order information is generated by signing and encrypting the transaction order generated on the E-commerce platform by a buyer and a seller;
the transaction system verifies the compliance of the transaction order information, generates transaction information, formulates an intelligent contract of the transaction information and submits the intelligent contract to the digital currency system;
the digital currency system is used for receiving the intelligent contract submitted by the transaction system, deploying the intelligent contract on the digital currency wallet of the buyer and executing the digital currency transfer transaction when the triggering condition of the intelligent contract is met.
9. The digital currency based transaction system of claim 8, wherein: the digital currency system is further configured to transfer a portion of the vouching commission of the transaction amount directly to the transaction system and then transfer the remainder to the seller digital currency wallet based on the smart contract.
10. The digital currency based transaction system of claim 8, wherein: the digital currency system employs any of the following transaction guaranty modes in deploying the smart contract:
the digital currency system automatically freezes digital currency corresponding to the transaction amount in the buyer digital currency wallet and informs the transaction system that the intelligent contract transaction fails to be deployed when the digital currency is insufficient;
the digital currency system deploying the smart contract based on buyer credit points without freezing any digital currency in a buyer digital currency wallet; and when the intelligent contract is executed, if the digital currency corresponding to the transaction amount is insufficient, reminding or informing the transaction system that the transaction of the intelligent contract deployed fails, and deducting the corresponding transaction return commission charge or the credit point of the buyer digital currency wallet.
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| CN107330789A (en) * | 2017-06-26 | 2017-11-07 | 中国人民银行数字货币研究所 | Method of commerce, system and device that a kind of investment based on digital cash is raised funds |
| CN112132558A (en) * | 2020-08-16 | 2020-12-25 | 中信银行股份有限公司 | Digital currency transaction method and device based on intelligent contract and electronic equipment |
| CN112819629A (en) * | 2021-02-08 | 2021-05-18 | 天地融科技股份有限公司 | Digital currency transaction method and system based on intelligent contract |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107330789A (en) * | 2017-06-26 | 2017-11-07 | 中国人民银行数字货币研究所 | Method of commerce, system and device that a kind of investment based on digital cash is raised funds |
| CN112132558A (en) * | 2020-08-16 | 2020-12-25 | 中信银行股份有限公司 | Digital currency transaction method and device based on intelligent contract and electronic equipment |
| CN112819629A (en) * | 2021-02-08 | 2021-05-18 | 天地融科技股份有限公司 | Digital currency transaction method and system based on intelligent contract |
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Application publication date: 20211022 |