CN113793140A - Pre-consumption method, system, storage medium and supervision platform based on digital currency - Google Patents
Pre-consumption method, system, storage medium and supervision platform based on digital currency Download PDFInfo
- Publication number
- CN113793140A CN113793140A CN202111008292.XA CN202111008292A CN113793140A CN 113793140 A CN113793140 A CN 113793140A CN 202111008292 A CN202111008292 A CN 202111008292A CN 113793140 A CN113793140 A CN 113793140A
- Authority
- CN
- China
- Prior art keywords
- digital currency
- consumption
- payment
- consumer
- intelligent contract
- 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.)
- Granted
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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
- G06Q20/3825—Use of electronic signatures
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a pre-consumption method, a system, a storage medium and a supervision platform based on digital currency, which are applied to the pre-consumption supervision platform and comprise the following steps: constructing pre-consumption intelligent contracts of a consumer and a merchant; formulating a payment intelligent contract based on the pre-consumption intelligent contract; submitting the payment smart contract to a digital currency system to cause the digital currency system to deploy the payment smart contract to the consumer's digital currency wallet; and executing the pre-consumption intelligent contract based on the received consumption information, and sending a conditional payment triggering request to the digital currency system so that the digital currency system completes the digital currency payment of the consumer to the merchant according to the conditional payment triggering request and the payment intelligent contract. The pre-consumption method, the system, the storage medium and the supervision platform based on the digital currency realize the transparency, fairness and fund security of pre-consumption transaction.
Description
Technical Field
The invention relates to the technical field of digital currency, in particular to a pre-consumption method, a pre-consumption system, a pre-consumption storage medium and a pre-consumption monitoring platform based on digital currency.
Background
Prepaid consumption is a common consumption model in everyday life. I.e. the consumer pays funds in advance and then consumes the same in different times. Aiming at the actual situation that the current single-purpose prepaid consumption field is not sound, fund supervision platforms aiming at prepayment are explored in various places, and special fund supervision accounts are established. The prepaid funds of the consumer are transferred into a corresponding supervision account, and the funds in the supervision account are paid to a corresponding merchant in batches according to the actual consumption settlement condition. By realizing scene supervision of settlement according to the progress of prepayment, settlement of consumption times, freezing and unfreezing of funds and the like, the risks of fund usage, cash rolling, running and the like in the prepayment consumption industry are reduced.
However, the above approach also brings new challenges. For example, the fund supervision platform actually aggregates a large amount of social funds and digital assets, how to exert the efficiency of the long-term idle social funds, how to supervise and ensure legal compliance operation of a third-party fund platform, and the like.
The digital characteristic of the digital RMB can bear various differentiated financial characteristic information based on the extensible attribute, and the characteristic transaction requirements of various digital currency scenes are enriched and supported. For example, for a prepaid consumption mode, a time condition, a scene condition, and a role condition triggered conditional payment function can be realized by using an intelligent contract of digital currency. Thus, these characteristics of digital currency provide the potential for building new, transparent, fair, and secure contract-based pre-consumption transactions.
The digitized intelligent contracts enable digital currency to support a wide variety of characteristic payment requirements. But the commercial transaction in each field has the characteristics of strong professional, high complexity and large differentiation, so that the making, deployment and execution thresholds of the intelligent contract are high, the digital currency system is obviously difficult to be supported by a large and uniform way, and a field third-party platform is required to provide professional services at the front end of the digital currency system.
Disclosure of Invention
In view of the above drawbacks of the prior art, an object of the present invention is to provide a method, a system, a storage medium, and a monitoring platform for pre-consuming based on digital currency, which achieve transparency, fairness, and security of pre-consuming intelligent contract transactions by cooperatively monitoring the fund flow and information flow of both transaction parties of the pre-consuming intelligent contract.
In order to achieve the above objects and other related objects, the present invention provides a pre-consumption method based on digital currency, applied to a pre-consumption supervision platform, comprising the steps of: constructing pre-consumption intelligent contracts of a consumer and a merchant; formulating a payment intelligent contract based on the pre-consumption intelligent contract; submitting the payment smart contract to a digital currency system to cause the digital currency system to deploy the payment smart contract to the consumer's digital currency wallet; and executing the pre-consumption intelligent contract based on the received consumption information, and sending a conditional payment triggering request to the digital currency system so that the digital currency system completes the digital currency payment of the consumer to the merchant according to the conditional payment triggering request and the payment intelligent contract.
In an embodiment of the present invention, the constructing of the pre-consumption intelligent contracts of the consumer and the merchant comprises the following steps:
generating a pre-consumption intelligent contract based on a consumer and the merchant;
acquiring signatures of the consumer and the merchant on the pre-consumption intelligent contract;
the pre-consumption supervision platform signs the pre-consumption intelligent contract;
verifying the validity of the digital currency wallets of the consumer and merchant parties.
In an embodiment of the present invention, the intelligent payment contract includes a contract identifier, a total consumption amount, a single consumption amount, a payment condition, a payment period, a failure handling agreement, and a trigger policy; the triggering policy is triggered by the pre-consumption administration platform or by the digital currency system.
In an embodiment of the present invention, the payment intelligent contract adopts any one of the following transaction guarantee modes:
1) automatically freezing, by the digital currency system, digital currency of a total amount of money required to be consumed by the consumer's digital currency wallet, and returning to the pre-consumption oversight platform that the deployment of the payment intelligence contract failed when the digital currency is insufficient;
2) deploying the payment intelligence contract based on the consumer credit points without freezing any digital currency; when the execution of the payment intelligent contract digital currency is insufficient, one or more combinations of issuing a reminder, executing for multiple times until success, returning transaction failure, deducting transaction return commission charge and deducting credit points are executed.
The invention provides a pre-consumption system based on digital currency, which is applied to a pre-consumption supervision platform and comprises a construction module, a formulation module, a submission module and an execution module;
the construction module is used for constructing pre-consumption intelligent contracts of a consumer and a merchant;
the formulating module is used for formulating a payment intelligent contract based on the pre-consumption intelligent contract;
the submission module is to submit the payment smart contract to a digital currency system to cause the digital currency system to deploy the payment smart contract to a digital currency wallet of the consumer;
the execution module is used for executing the pre-consumption intelligent contract based on the received consumption information, and sending a conditional payment triggering request to the digital currency system, so that the digital currency system completes the digital currency payment of the consumer to the merchant according to the conditional payment triggering request and the payment intelligent contract.
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 pre-consumption method.
The invention provides a pre-consumption supervision platform, which comprises: a processor and a memory;
the memory is used for storing a computer program;
the processor is configured to execute the memory-stored computer program to cause the pre-consumption administration platform to perform the digital currency-based pre-consumption method described above.
The invention provides a pre-consumption system based on digital currency, which comprises the pre-consumption supervision platform and a digital currency system;
the digital currency system is used for receiving the payment intelligent contract sent by the pre-consumption supervision platform and deploying the payment intelligent contract to a digital currency wallet of the consumer; and completing the digital currency payment of the consumer to the merchant according to the received conditional payment triggering request and the payment intelligent contract.
In an embodiment of the present invention, when the digital currency system performs digital currency payment, any one of the following manners is adopted:
1) directly transferring digital currency corresponding to the transaction amount from the digital currency wallet of the consumer side to the digital currency wallet of the merchant side;
2) transferring a portion of the transaction amount as a guaranteed commission to a pre-consumer monitoring platform and transferring the remaining portion to the merchant's digital currency wallet.
In an embodiment of the present invention, the digital currency system is further configured to send the payment result to the pre-consumption supervision platform, and the pre-consumption supervision platform is further configured to send the payment result to the consumer and the merchant.
As described above, the pre-consumption method, system, storage medium and monitoring platform based on digital currency of the present invention have the following advantages:
(1) the method comprises the following steps that pre-consumption intelligent contracts of a buyer and a seller are formulated, deployed, monitored, triggered, dispute resolved and the like through a monitoring platform of a third party, the monitoring platform submits the payment intelligent contracts triggered by the buyer and the seller based on conditions to a digital currency system, and the digital currency system deploys the payment intelligent contracts to a consumer wallet; the supervision platform settles the consumption information in real time according to the execution state of the pre-consumption intelligent contract, triggers the payment condition of the digital currency system as required, and ensures the direct point-to-point currency transaction between the purses of the buyer and the seller, thereby realizing the cooperative supervision of the fund flow and the information flow of the two parties of the transaction, and realizing the transparency, the fairness and the fund security of the pre-consumption contract transaction;
(2) based on the digital attribute of the digital currency, by decoupling and coordinating professional commercial transaction and currency transaction, unbinding transaction data and currency circulation and associating and unifying, professional splitting and distributed deployment execution of complex intelligent contracts in the transaction field are realized; based on a third-party transaction supervision platform, the pre-consumption intelligent contract establishment, deployment and supervision business transaction execution in the professional field are realized, and the establishment of a professional, reliable and safe digital currency payment intelligent contract by both transaction parties is replaced; the digital currency system is only responsible for executing the digital currency intelligent contract according to conditions, does not concern commercial transaction services in various fields, greatly reduces the threshold of developing and deploying specialized digital currency intelligent contracts, and expands the application scene of intelligent contracts;
(3) the standardized module can be embedded into the service operation system of the existing digital currency and a third-party consumption supervision platform/e-commerce platform, no requirements and restrictions are provided for the specific technical architecture, the safety technical standard of the operating environment and the process specification, the research and development and deployment costs are low, the popularization is easy, the deep fusion of the digital currency and the consumption scene is promoted, and the fair, credible and transparent transaction experience of both the buyer and the seller is improved;
(4) the method can be applied to the field of novel consumption services, and can also be applied to the production fields of industrial manufacturing industry chains, Internet of things finance and the like, so that the fields are helped to realize consumption and payment based on intelligent contracts, manual operation and intervention are reduced, the performance efficiency is improved, and the performance cost is reduced.
Drawings
FIG. 1 is a flow chart illustrating a method for pre-consumption based on digital currency according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a digital currency based pre-consumer system according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a pre-consumption monitoring platform according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of a digital currency-based pre-consumer system according to another embodiment of the present invention.
Description of the element reference numerals
21 building block
22 formulation module
23 submit module
24 execution module
31 processor
32 memory
41 pre-consumption supervision platform
42 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 pre-consumption method, the system, the storage medium and the supervision platform based on the digital currency realize the professional splitting and distributed deployment execution of complex intelligent contracts in the transaction field by decoupling and coordinating professional commercial transactions and currency transactions, greatly reduce the threshold of developing and deploying specialized digital currency intelligent contracts, expand the application scene of the intelligent contracts and have high practicability. The pre-consumption mode of the invention is that a consumer signs an intelligent pre-consumption contract with a merchant and commits to consume a certain amount/times, but the consumer does not pay funds in advance, but consumes settlement and pays digital money in real time based on the intelligent pre-consumption contract and the intelligent payment contract, thereby realizing the transparency, fairness and fund security of pre-consumption.
As shown in fig. 1, in an embodiment, the pre-consumption method based on digital currency of the present invention is applied to a pre-consumption supervision platform, and includes the following steps:
and step S1, constructing the pre-consumption intelligent contracts of the consumer and the merchant.
Specifically, the pre-consumption supervision platform in the invention provides third-party consumption supervision intermediary services based on digital currency for the transaction demands of pre-consumption of market consumers and merchants, including but not limited to: making, issuing, verifying and deploying the pre-consumption intelligent contract; based on consumption information provided by a consumer and a merchant, real-time consumption settlement is carried out; establishing a fixed, credible and safe butt joint interface with a digital currency system, submitting a conditional payment intelligent contract to the digital currency system, and triggering conditional payment; and realizing the control of the pre-consumption transaction data.
Specifically, in an embodiment of the present invention, the constructing of the pre-consumption intelligent contract between the consumer and the merchant includes the following steps:
11) a pre-consumption intelligent contract is generated based on a consumer and the merchant.
Specifically, the consumer and the merchant reach a pre-consumption intelligent contract at the pre-consumption supervision platform. The pre-consumption intelligent contract is an intelligent contract (including payment conditions) which defines and defines complete business transaction rules of a consumer and a merchant, and is a business transaction intelligent contract applicable to a specific business field. The pre-consumption intelligent contract is deployed and executed on a pre-consumption supervision platform of a third party; the system and the method realize distributed cooperative service with payment intelligent contracts deployed in a digital currency system, and provide a complete and integrated intelligent contract function for various commercial transactions.
12) And acquiring the signatures of the consumer and the merchant on the pre-consumption intelligent contract.
13) The pre-consumption supervision platform signs the pre-consumption intelligent contract.
14) Verifying the validity of the digital currency wallets of the consumer and merchant parties without pre-charging funds for the consumer.
And step S2, formulating the payment intelligent contract based on the pre-consumption intelligent contract.
Specifically, the pre-consumption supervision platform automatically establishes a safe and reliable payment intelligent contract of conditional payment of both digital currency purses based on the pre-consumption intelligent contract. The intelligent payment contract comprises contract identification, total consumption amount, single consumption amount, payment conditions, payment period, failure processing agreement, trigger strategies and the like, and is signed.
Preferably, a trigger policy is actively invoked by the pre-consumption supervision platform to trigger; or automatically triggered by the digital currency system upon checking contract conditions, such as periodically.
Step S3, submitting the payment intelligence contract to a digital currency system to cause the digital currency system to deploy the payment intelligence contract to the consumer' S digital currency wallet.
Specifically, the pre-consumption supervision platform establishes a fixed and reliable contract docking interface service with a digital currency system according to the digital currency intelligent contract specification, so that the speciality, the efficiency, the safety and the reliability of intelligent contract making and verification are ensured, the risk that a buyer and a seller directly sign and trade intelligent contracts and deploy the intelligent contracts to a currency wallet is avoided, and the complex flow of contract making and verification is avoided.
Wherein the pre-consumption supervisory platform submits the payment intelligence contract to a digital currency system. The digital currency system provides deployment and execution services of the digital currency wallet conditional payment intelligent contract, realizes point-to-point payment between the wallet of a buyer and a wallet of a seller, feeds back the execution condition of the intelligent contract, and realizes the management and control of transaction funds. Specifically, the digital currency system firstly verifies that the payment intelligent contract belongs to a reliable intelligent contract which is made by the credible pre-consumption supervision platform and is digitally signed, deploys the payment intelligent contract in a digital currency wallet of a consumer, and waits for a contract triggering condition to be met before executing the transaction. That is, the digital currency wallet of the consumer does not pay the digital currency to the pre-consumer administration platform or the merchant immediately.
In an embodiment of the present invention, when the payment intelligent contract is deployed, any one of the following transaction guaranty modes is adopted:
1) automatically freezing, by the digital currency system, digital currency of a total amount of money required to be consumed by the consumer's digital currency wallet, and returning to the pre-consumption oversight platform that the deployment of the payment intelligence contract failed when the digital currency is insufficient;
2) deploying the payment intelligence contract based on the consumer credit points without freezing any digital currency; when the execution of the payment intelligent contract digital currency is insufficient, one or more combinations of issuing a reminder, executing for multiple times until success, returning transaction failure, deducting transaction return commission charge and deducting credit points are executed.
And step S4, executing the pre-consumption intelligent contract based on the received consumption information, and sending a conditional payment triggering request to the digital currency system, so that the digital currency system completes the digital currency payment of the consumer to the merchant according to the conditional payment triggering request and the payment intelligent contract.
Specifically, after the consumer completes each consumption, the consumer or the merchant sends consumption information to the pre-consumption supervision platform, and the other party signs and confirms the consumption information. And the pre-consumption supervision platform performs real-time consumption settlement according to the pre-consumption intelligent contract, judges whether the payment condition of the pre-consumption intelligent contract is met, and sends a conditional payment triggering request to the digital currency system if the payment condition of the pre-consumption intelligent contract is met, wherein the request information comprises a consumption party wallet, an intelligent contract identifier, a payment amount, payment completion time and the like.
After receiving the conditional payment triggering request sent by the pre-consumption supervision platform, the digital currency system checks whether the currency transaction (including execution period, frequency, amount and the like) conforms to the rules of the payment intelligent contract or not according to the identified payment intelligent contract deployed by the digital currency wallet of the consumer, and then executes the digital currency transfer transaction of the consumption amount; or upon receiving a pre-consumption termination transaction, the digital currency system directly disassembles the payment smart contract for the consumer's digital currency wallet.
When the digital currency system carries out digital currency payment, any one of the following modes is adopted:
1) directly transferring digital currency corresponding to the transaction amount from the digital currency wallet of the consumer side to the digital currency wallet of the merchant side;
2) transferring a portion of the transaction amount as a guaranteed commission to a pre-consumer monitoring platform and transferring the remaining portion to the merchant's digital currency wallet.
In addition, after the payment of the digital currency is completed, the digital currency system returns the payment result (if successful) to the pre-consumption supervision platform, and the pre-consumption supervision platform completes the pre-consumption transaction process according to the payment result and returns the pre-consumption transaction process to the consumer and the merchant. If the transaction fails, the pre-consumption supervision platform processes the transaction according to the specified backspace.
Therefore, the information flow of the whole transaction is at the pre-consumption supervision platform, and the fund flow is completely at the digital currency system, so that contract-based pre-consumption and condition-based real-time payment are realized, and the digital currency is directly paid from the digital currency wallet of the consumer to the digital currency wallet of the merchant in a point-to-point manner. The pre-consumption supervision platform does not relate to the problems that funds of consumers are pre-collected to be used for other purposes and the like, provides a more fair and transparent transaction environment for buyers and sellers, and avoids the binding of the platform to the buyers and the sellers. Therefore, the information flow and the fund flow are unbound and associated uniformly, and potential risks caused by excessive concentration of data and funds in the field of network transaction are beneficially reshaped. By subdividing and standardizing the business boundaries of the financial business, the third-party transaction guarantee and other industries, the supervision is facilitated.
The method for pre-consumption based on digital currency of the present invention is further illustrated below by taking an educational training pre-consumption mode as an example.
The consumer and the education training institution register an account and verify the identity of the account on a public third-party pre-consumption supervision platform. The third party pre-consumption supervision platform can assist in accessing an online portal of a training institution.
The consumers and the education training institutions sign pre-consumption intelligent contracts on the third-party pre-consumption supervision platform. The pre-consumption intelligent contract comprises: a contract number; the account numbers of both parties; consuming the content; total cost and number of times; pricing by single consumption; a consumption cycle; payment means (calculating payment by times/month/season/year, etc.); and a rule for re-pricing and compensating the other party when the single party violates; a dispute resolution mechanism; three-party signatures (consumer, training agency, regulatory platform), etc. The pre-consumption intelligent contract is completely formulated and executed by a consumer and a training institution at the third-party pre-consumption supervision platform, and has no relation with a digital currency system. At the same time, the consumer and the training institution each provide their respective digital money wallet accounts.
And the third-party pre-consumption supervision platform makes a payment intelligent contract and submits the contract to a digital currency system. Specifically, the third-party pre-consumption supervision platform establishes a payment intelligent contract for a digital money wallet according to the pre-consumption contract based on a pre-consumption intelligent contract signed by a consumer and a training institution and digital money wallet accounts provided by the consumer and the training institution, and submits the payment intelligent contract and the digital money wallet account of a receiver/payer to a digital money system.
The digital currency system verifies the validity and security of the payment intelligence contract, and the validity and validity of the wallet accounts of the receiving/paying parties, which are deployed in the payer wallet.
When the consumer consumes, the consumer can make an on-line reservation (through a merchant entrance provided by the third-party pre-consumption supervision platform), an off-line consumption, an on-line two-party signature confirmation and the like; or the real-time consumption information is directly submitted to the third-party pre-consumption supervision platform by the consumer or the training institution and signed and confirmed by the other party. And the third-party pre-consumption supervision platform executes the pre-consumption intelligent contract according to the consumption records confirmed by the signatures of the two parties, performs real-time consumption settlement, and determines whether a payment request is triggered to the digital currency system or not according to the pre-consumption intelligent contract.
And after receiving the trigger request of the conditional payment sent by the third-party pre-consumption supervision platform, the digital money system executes the digital money transfer transaction of the consumption amount according to the payment intelligent contract deployed by the digital money wallet of the consumer. The payment, when performed, includes transferring digital money for a corresponding transaction amount from a digital money wallet of the consumer to a merchant wallet. Preferably, a portion of the transaction amount is transferred directly as a vouched-for commission to the third party pre-consumption monitoring platform wallet, and the other is transferred to the merchant wallet, possibly in accordance with a smart contract.
And the third-party pre-consumption supervision platform reminds the user of the performance state in real time according to the deployed pre-consumption intelligent contract and the execution condition of the payment intelligent contract fed back by the digital currency system, and reminds the user of consumption and settlement according to the contract.
As shown in fig. 2, in an embodiment, the pre-consumption system based on digital currency of the present invention is applied to a pre-consumption supervision platform, and includes a construction module 21, an establishment module 22, a submission module 23, and an execution module 24.
The building module 21 is used for building pre-consumption intelligent contracts of a consumer side and a merchant side.
The establishing module 22 is connected with the constructing module 21 and is used for establishing the payment intelligent contract based on the pre-consumption intelligent contract.
The submission module 23 is coupled to the enactment module 22 for submitting the payment smart contract to a digital currency system for causing the digital currency system to deploy the payment smart contract to the consumer's digital currency wallet.
The executing module 24 is connected to the submitting module 23, and is configured to execute the pre-consumption smart contract based on the received consumption information, and send a conditional payment triggering request to the digital currency system, so that the digital currency system completes digital currency payment of the consumer to the merchant according to the conditional payment triggering request and the payment smart contract.
The structures and principles of the construction module 21, the formulation module 22, the submission module 23 and the execution module 24 correspond to the steps in the pre-consumption 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 the modules can be realized in a form that all software is called by the processing element, or in a form that all the modules are realized in a form that all the modules are called by the processing element, or in a form that part of the modules are called by the hardware. For example: the x module can be a separately established processing element, and can also be integrated in a certain chip of the device. In addition, the x-module may be stored in the memory of the apparatus in the form of program codes, and may be called by a certain processing element of the apparatus to execute the functions of the x-module. Other modules are implemented similarly. 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. These 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), one or more microprocessors (DSPs), one or more Field Programmable Gate Arrays (FPGAs), and the like. When a module 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. 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 pre-consumption method when executed by a processor. Preferably, 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. 3, in an embodiment, the pre-consumption monitoring platform of the present invention includes: a processor 31 and a memory 32.
The memory 32 is used for storing computer programs.
The memory 32 includes: various media that can store program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.
The processor 31 is connected to the memory 32 for executing the computer program stored in the memory 32 to cause the pre-consumption supervision platform to execute the above-mentioned digital currency based pre-consumption method.
Preferably, the Processor 31 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. 4, in one embodiment, the pre-consumption system based on digital currency of the present invention includes the pre-consumption supervision platform 41 and the digital currency system 42.
The digital currency system 42 is connected to the pre-consumption supervision platform 41, and is configured to receive the payment intelligent contract sent by the pre-consumption supervision platform 41, and deploy the payment intelligent contract to the digital currency wallet of the consumer; and completing the digital currency payment of the consumer to the merchant according to the received conditional payment triggering request and the payment intelligent contract.
In an embodiment of the present invention, the digital currency system 42 is further configured to send the payment result to the pre-consumption monitoring platform 41, and the pre-consumption monitoring platform 41 is further configured to send the payment result to the consumer and the merchant.
In summary, the pre-consumption method, the system, the storage medium and the supervision platform based on the digital currency of the invention realize the establishment, deployment, monitoring, triggering, dispute resolution and the like of pre-consumption intelligent contracts of buyers and sellers through the supervision platform of a third party, the supervision platform submits the payment intelligent contracts triggered by the conditions of the two transaction parties to the digital currency system, and the digital currency system deploys the payment intelligent contracts to the wallet of the consumer; the supervision platform settles the consumption information in real time according to the execution state of the pre-consumption intelligent contract, triggers the payment condition of the digital currency system as required, and ensures the direct point-to-point currency transaction between the purses of the buyer and the seller, thereby realizing the cooperative supervision of the fund flow and the information flow of the two parties of the transaction, and realizing the transparency, the fairness and the fund security of the pre-consumption contract transaction; based on the digital attribute of the digital currency, by decoupling and coordinating professional commercial transaction and currency transaction, unbinding transaction data and currency circulation and associating and unifying, professional splitting and distributed deployment execution of complex intelligent contracts in the transaction field are realized; based on a third-party transaction supervision platform, the pre-consumption intelligent contract establishment, deployment and supervision business transaction execution in the professional field are realized, and the establishment of a professional, reliable and safe digital currency payment intelligent contract by both transaction parties is replaced; the digital currency system is only responsible for executing the digital currency intelligent contract according to conditions, does not concern commercial transaction services in various fields, greatly reduces the threshold of developing and deploying specialized digital currency intelligent contracts, and expands the application scene of intelligent contracts; the standardized module can be embedded into the service operation system of the existing digital currency and a third-party consumption supervision platform/e-commerce platform, no requirements and restrictions are provided for the specific technical architecture, the safety technical standard of the operating environment and the process specification, the research and development and deployment costs are low, the popularization is easy, the deep fusion of the digital currency and the consumption scene is promoted, and the fair, credible and transparent transaction experience of both the buyer and the seller is improved; the method can be applied to the field of novel consumption services, and can also be applied to the production fields of industrial manufacturing industry chains, Internet of things finance and the like, so that the fields are helped to realize consumption and payment based on intelligent contracts, manual operation and intervention are reduced, the performance efficiency is improved, and the performance cost is reduced. 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 pre-consumption method based on digital currency is applied to a pre-consumption supervision platform and is characterized in that: the method comprises the following steps:
constructing pre-consumption intelligent contracts of a consumer and a merchant;
formulating a payment intelligent contract based on the pre-consumption intelligent contract;
submitting the payment smart contract to a digital currency system to cause the digital currency system to deploy the payment smart contract to the consumer's digital currency wallet;
and executing the pre-consumption intelligent contract based on the received consumption information, and sending a conditional payment triggering request to the digital currency system so that the digital currency system completes the digital currency payment of the consumer to the merchant according to the conditional payment triggering request and the payment intelligent contract.
2. The digital currency based pre-consumption method of claim 1, wherein: the construction of the pre-consumption intelligent contract of the consumer side and the merchant side comprises the following steps:
generating a pre-consumption intelligent contract based on a consumer and the merchant;
acquiring signatures of the consumer and the merchant on the pre-consumption intelligent contract;
the pre-consumption supervision platform signs the pre-consumption intelligent contract;
verifying the validity of the digital currency wallets of the consumer and merchant parties.
3. The digital currency based pre-consumption method of claim 1, wherein: the payment intelligent contract comprises contract identification, total consumption amount, single consumption amount, payment conditions, a payment period, failure processing agreement and a trigger strategy; the triggering policy is triggered by the pre-consumption administration platform or by the digital currency system.
4. The digital currency based pre-consumption method of claim 1, wherein: the payment intelligent contract adopts any one of the following transaction guarantee modes:
1) automatically freezing, by the digital currency system, digital currency of a total amount of money required to be consumed by the consumer's digital currency wallet, and returning to the pre-consumption oversight platform that the deployment of the payment intelligence contract failed when the digital currency is insufficient;
2) deploying the payment intelligence contract based on the consumer credit points without freezing any digital currency; when the execution of the payment intelligent contract digital currency is insufficient, one or more combinations of issuing a reminder, executing for multiple times until success, returning transaction failure, deducting transaction return commission charge and deducting credit points are executed.
5. A pre-consumption system based on digital currency is applied to a pre-consumption supervision platform and is characterized in that: the system comprises a construction module, a formulation module, a submission module and an execution module;
the construction module is used for constructing pre-consumption intelligent contracts of a consumer and a merchant;
the formulating module is used for formulating a payment intelligent contract based on the pre-consumption intelligent contract;
the submission module is to submit the payment smart contract to a digital currency system to cause the digital currency system to deploy the payment smart contract to a digital currency wallet of the consumer;
the execution module is used for executing the pre-consumption intelligent contract based on the received consumption information, and sending a conditional payment triggering request to the digital currency system, so that the digital currency system completes the digital currency payment of the consumer to the merchant according to the conditional payment triggering request and the payment intelligent contract.
6. A storage medium on which a computer program is stored, the program, when executed by a processor, implementing the digital currency based pre-consumption method of any one of claims 1 to 4.
7. A pre-consumption regulatory platform, comprising: a processor and a memory;
the memory is used for storing a computer program;
the processor is to execute the memory-stored computer program to cause the pre-consumption administration platform to perform the digital currency based pre-consumption method of any one of claims 1 to 4.
8. A digital currency based pre-consumer system, characterized by: comprising the pre-consumer regulatory platform of claim 7 and a digital currency system;
the digital currency system is used for receiving the payment intelligent contract sent by the pre-consumption supervision platform and deploying the payment intelligent contract to a digital currency wallet of the consumer; and completing the digital currency payment of the consumer to the merchant according to the received conditional payment triggering request and the payment intelligent contract.
9. The digital currency based pre-consumption system according to claim 8, wherein: when the digital currency system carries out digital currency payment, any one of the following modes is adopted:
1) directly transferring digital currency corresponding to the transaction amount from the digital currency wallet of the consumer side to the digital currency wallet of the merchant side;
2) transferring a portion of the transaction amount as a guaranteed commission to a pre-consumer monitoring platform and transferring the remaining portion to the merchant's digital currency wallet.
10. The digital currency based pre-consumption system according to claim 8, wherein: the digital currency system is further configured to send a payment result to the pre-consumer regulatory platform, and the pre-consumer regulatory platform is further configured to send the payment result to the consumer and the merchant.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111008292.XA CN113793140B (en) | 2021-08-30 | 2021-08-30 | Pre-consumption method, system, storage medium and supervision platform based on digital currency |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111008292.XA CN113793140B (en) | 2021-08-30 | 2021-08-30 | Pre-consumption method, system, storage medium and supervision platform based on digital currency |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN113793140A true CN113793140A (en) | 2021-12-14 |
| CN113793140B CN113793140B (en) | 2023-04-28 |
Family
ID=79182456
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111008292.XA Active CN113793140B (en) | 2021-08-30 | 2021-08-30 | Pre-consumption method, system, storage medium and supervision platform based on digital currency |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113793140B (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116228221A (en) * | 2023-04-28 | 2023-06-06 | 数金公共服务(青岛)有限公司 | Prepaid card supervision system, method, equipment and medium |
| CN116703395A (en) * | 2023-08-08 | 2023-09-05 | 好活(苏州)数字科技有限公司 | Digital RMB payment method, device, equipment, system and medium |
| WO2024012427A1 (en) * | 2022-07-11 | 2024-01-18 | 中国人民银行数字货币研究所 | Digital currency-based prepayment fund management method, apparatus and system |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107369009A (en) * | 2017-06-26 | 2017-11-21 | 中国人民银行数字货币研究所 | The method of payment and payment system of digital cash |
| CN109544160A (en) * | 2018-11-20 | 2019-03-29 | 杭州呯嘭智能技术有限公司 | A kind of transaction authenticity verification methods and system based on block chain and intelligent contract |
| CN110163595A (en) * | 2019-04-24 | 2019-08-23 | 吉林大学珠海学院 | Pre-payment consumption management method, system and storage medium based on block chain |
| CN111666323A (en) * | 2020-05-15 | 2020-09-15 | 西安纸贵互联网科技有限公司 | Cross-chain intercommunication method and system for block chain |
| CN113283957A (en) * | 2021-03-19 | 2021-08-20 | 电子科技大学 | Block chain-based entity product transaction method |
-
2021
- 2021-08-30 CN CN202111008292.XA patent/CN113793140B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107369009A (en) * | 2017-06-26 | 2017-11-21 | 中国人民银行数字货币研究所 | The method of payment and payment system of digital cash |
| CN109544160A (en) * | 2018-11-20 | 2019-03-29 | 杭州呯嘭智能技术有限公司 | A kind of transaction authenticity verification methods and system based on block chain and intelligent contract |
| CN110163595A (en) * | 2019-04-24 | 2019-08-23 | 吉林大学珠海学院 | Pre-payment consumption management method, system and storage medium based on block chain |
| CN111666323A (en) * | 2020-05-15 | 2020-09-15 | 西安纸贵互联网科技有限公司 | Cross-chain intercommunication method and system for block chain |
| CN113283957A (en) * | 2021-03-19 | 2021-08-20 | 电子科技大学 | Block chain-based entity product transaction method |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2024012427A1 (en) * | 2022-07-11 | 2024-01-18 | 中国人民银行数字货币研究所 | Digital currency-based prepayment fund management method, apparatus and system |
| CN116228221A (en) * | 2023-04-28 | 2023-06-06 | 数金公共服务(青岛)有限公司 | Prepaid card supervision system, method, equipment and medium |
| CN116703395A (en) * | 2023-08-08 | 2023-09-05 | 好活(苏州)数字科技有限公司 | Digital RMB payment method, device, equipment, system and medium |
| CN116703395B (en) * | 2023-08-08 | 2023-10-27 | 好活(苏州)数字科技有限公司 | Digital RMB payment method, device, equipment, system and medium |
Also Published As
| Publication number | Publication date |
|---|---|
| CN113793140B (en) | 2023-04-28 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110147993B (en) | Pre-payment financing method and device | |
| CN110175903A (en) | A kind of quotient's ticket financing method and device | |
| CN113793140B (en) | Pre-consumption method, system, storage medium and supervision platform based on digital currency | |
| US9336521B2 (en) | System and method for chopping up and processing gift cards | |
| US8626599B2 (en) | Payment processing system debt conversion notification | |
| US10755261B2 (en) | Prepaid card with savings feature | |
| TWI490798B (en) | System and method for data completion including push identifier | |
| WO2017098519A1 (en) | A system and method for automated financial transaction validation, processing and settlement using blockchain smart contracts | |
| CN111145010A (en) | Credit granting and financing method and device | |
| CN112017045A (en) | Digital asset off-site transaction system and method based on block chain | |
| CN112435129A (en) | Financing method, financing system, device, equipment and storage medium | |
| WO2019071263A2 (en) | Method and system for payment processing & syndicated consumer credit | |
| US20220172214A1 (en) | Method for generating transferable tranches | |
| US20220237574A1 (en) | Systems and methods to process payments and money remittances nearly instantaneously without using financial intermediaries or bank accounts by using a stable cryptocurrency and unconventional cryptocurrency distribution methods | |
| CN110659992A (en) | Heavy metal transaction data processing method and device based on block chain | |
| CN110245957A (en) | The method for determining trade background authenticity and assessing enterprise trade background authenticity | |
| CN112991054A (en) | Electric power futures contract design method based on block chain | |
| CN108830574B (en) | Electric power centralized transaction service fee charging system and method | |
| CN111582865B (en) | Data processing method and system for information verification | |
| WO2022054007A1 (en) | System and method for facilitating direct trading of electronic transactions | |
| CN110675260A (en) | Agricultural product transaction data processing method and device based on block chain | |
| US20230394472A1 (en) | Federated Currency Payment Exchange System | |
| WO2023068951A1 (en) | Method and system for concluding sale/purchase transactions of digital assets | |
| CN113888157A (en) | Financing lease management interaction system | |
| CN113537958A (en) | Transaction method, system, medium and transaction system based on digital currency |
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 | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |