CN113793140B - 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
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- CN113793140B CN113793140B CN202111008292.XA CN202111008292A CN113793140B CN 113793140 B CN113793140 B CN 113793140B CN 202111008292 A CN202111008292 A CN 202111008292A CN 113793140 B CN113793140 B CN 113793140B
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- 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"
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- 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
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- 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
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 a pre-consumption intelligent contract of a consumer party and a merchant party; formulating a payment smart contract based on the pre-consumption smart contract; submitting the payment smart contract to a digital currency system, such that the digital currency system deploys the payment smart contract to the consumer's digital currency wallet; 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 can finish 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 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 system, a storage medium and a supervision 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 consumes them in several times. Aiming at the current practical situation of unsound single-use prepaid consumption field, the fund supervision platform aiming at prepaid is being explored everywhere, and a special fund supervision account is established. The prepaid funds of the consumers are transferred into corresponding supervision accounts, and the funds in the supervision accounts are paid to corresponding merchants in batches according to actual consumption settlement conditions. Through realizing prepaid fee according to the scene supervision such as progress settlement, consumption count settlement, fund freeze thawing, etc., reduce the fund of prepaid fee consumption trade and move risks such as money running.
However, the above approach also presents new challenges. For example, the fund administration platform virtually aggregates a large amount of social funds and digital assets, how to exert the efficiency of the long-term idle social funds, how to administer and ensure legal compliance of third party fund platforms, and so on.
The digital characteristic of the digital RMB can bear various differentiated financial characteristic information based on the extensible attribute, and enriches and supports the characteristic transaction requirements of various digital currency scenes. For example, the intelligent contract of digital currency can be utilized to realize the conditional payment functions triggered by time conditions, scene conditions and role conditions for the consumption mode of prepayment. These properties of digital money thus offer the possibility to build new, transparent, fair, secure contract-based pre-consumer transactions.
The digitized smart contracts enable digital currency to support various types of feature payment needs. However, the characteristics of strong business trade speciality, high complexity and large differentiation in each field make the threshold of making, deploying and executing intelligent contracts high, and the digital currency system is obviously difficult to support in a large and systematic way, so that 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-mentioned drawbacks of the prior art, an object of the present invention is to provide a digital currency-based pre-consumption method, system, storage medium and supervision platform, which implement transparency, fairness and fund security of pre-consumption smart contract transactions by collaborative supervision of fund flows and information flows of both transaction parties of the pre-consumption smart contract.
To achieve the above and other related objects, the present invention provides a digital currency-based pre-consumption method applied to a pre-consumption supervision platform, comprising the steps of: constructing a pre-consumption intelligent contract of a consumer party and a merchant party; formulating a payment smart contract based on the pre-consumption smart contract; submitting the payment smart contract to a digital currency system, such that the digital currency system deploys the payment smart contract to the consumer's digital currency wallet; 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 can finish digital currency payment of the consumer to the merchant according to the conditional payment triggering request and the payment intelligent contract.
In one embodiment of the present invention, constructing a pre-consumer smart contract for a consumer and a merchant includes the steps of:
generating a pre-consumption smart 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;
and verifying the validity of the digital currency wallets of the consumer and the merchant.
In one embodiment of the present invention, the payment intelligent contract includes contract identification, total amount consumed, amount consumed once, payment condition, payment period, invalidation handling contract and trigger policy; the trigger policy is triggered by the pre-consumption supervision platform or by the digital currency system.
In an embodiment of the present invention, the payment smart contract uses any one of the following transaction guarantee modes:
1) Automatically freezing digital currency of a total amount of consumption required by the digital currency wallet of the consumer by the digital currency system, and returning failure to deploy the payment intelligent contract to the pre-consumption supervision platform when the digital currency is insufficient;
2) Deploying the payment smart contract based on the consumer credit points without freezing any digital currency; when the payment intelligent contract digital currency is insufficient, one or more of reminding, executing for a plurality of times until successful, returning transaction failure, deducting transaction return commission and deducting credit points are executed.
The invention provides a digital currency-based pre-consumption system 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 party and a merchant party;
the formulating module is used for formulating a payment intelligent contract based on the pre-consumption intelligent contract;
the submitting module is used for submitting the payment intelligent contract to a digital currency system so that the digital currency system deploys the payment intelligent contract to the 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 can finish 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 digital currency based pre-consumption method described above.
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 computer program stored in the memory, so that the pre-consumption supervision platform executes the above-mentioned pre-consumption method based on digital currency.
The invention provides a pre-consumption system based on digital currency, which comprises the pre-consumption supervision platform and the 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 the digital currency wallet of the consumer; and completing 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 modes is adopted:
1) Directly transferring digital currency corresponding to the transaction amount from the digital currency wallet of the consumer to the digital currency wallet of the merchant;
2) A portion of the transaction amount is transferred to the pre-consumption policing platform as a vouching commission and the remainder is transferred to the merchant's digital currency wallet.
In an embodiment of the present invention, the digital currency system is further configured to send a payment result to the pre-consumption administration platform, and the pre-consumption administration platform is further configured to send the payment result to the consumer and the merchant.
As described above, the digital currency-based pre-consumption method, system, storage medium and supervision platform of the invention have the following beneficial effects:
(1) The supervision platform of the third party is used for realizing the establishment, deployment, monitoring, triggering, dispute resolution and the like of the pre-consumption intelligent contracts of the buyer and the seller, submitting the payment intelligent contracts of the buyer and the seller based on the condition triggering to the digital currency system, and deploying the payment intelligent contracts to the consumer wallet by the digital currency system; the supervision platform settles 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 direct point-to-point currency transaction between purses of buyers and sellers, thereby realizing cooperative supervision of the fund flow and the information flow of the two parties of the transaction and realizing transparency, fairness and fund security of the pre-consumption contract transaction;
(2) Based on the digital attribute of digital currency, the transaction data and currency circulation are unbindd and unified through decoupling and cooperation of professional business transaction and currency transaction, so that professional splitting, distributed deployment and execution of complex intelligent contracts in the transaction field are realized; based on a third-party transaction supervision platform, the pre-consumption intelligent contract formulation, deployment and supervision business transaction execution in the professional field are realized, and professional, reliable and safe digital currency payment intelligent contracts are formulated by the transaction parties; the digital currency system is only responsible for executing the digital currency intelligent contracts according to conditions, does not pay attention to business transaction business in various fields, greatly reduces the threshold for developing and deploying specialized digital currency intelligent contracts, and expands the application scene of the intelligent contracts;
(3) The system can be embedded into the business operation system of the existing digital currency and third party consumption supervision platform/electronic commerce platform by using a standardized module, has no requirements and constraints on specific technical architecture, safety technical standards of operation environment and flow specifications, has low research, development and deployment cost, is easy to popularize, promotes the deep fusion of the digital currency and consumption scene, and improves the fair, credible and transparent transaction experience of buyers and sellers;
(4) The intelligent contract-based intelligent payment system not only can be applied to the novel consumption service field, but also can be applied to the production fields of industrial manufacturing industry chains, internet of things finance and the like, so that consumption and payment based on intelligent contracts are realized in the fields, manual operation and intervention are reduced, the performance efficiency is improved, and the performance cost is reduced.
Drawings
FIG. 1 is a flow chart of a digital currency based pre-consumption method according to one embodiment of the present invention;
FIG. 2 is a schematic diagram of a digital currency based pre-consumption system according to one embodiment of the present invention;
FIG. 3 is a schematic diagram of a pre-consumption supervision platform according to an embodiment of the invention;
FIG. 4 is a schematic diagram of a digital currency based pre-consumption system according to another embodiment of the present invention.
Description of element reference numerals
21. Building modules
22. Formulation module
23. Submission module
24. Execution module
31. Processor and method for controlling the same
32. Memory device
41. Pre-consumption supervision platform
42. Digital currency system
Detailed Description
Other advantages and effects of the present invention will become apparent to those skilled in the art from the following disclosure, which describes the embodiments of the present invention with reference to specific examples. The invention may be practiced or carried out in other embodiments that depart from the specific details, and the details of the present description may be modified or varied from the spirit and scope of the present invention. It should be noted that the following embodiments and features in the embodiments may be combined with each other without conflict.
It should be noted that the illustrations provided in the following embodiments merely illustrate the basic concept of the present invention by way of illustration, and only the components related to the present invention are shown in the drawings and are not drawn according to the number, shape and size of the components in actual implementation, and the form, number and proportion of the components in actual implementation may be arbitrarily changed, and the layout of the components may be more complicated.
The digital currency-based pre-consumption method, system, storage medium and supervision platform realize professional splitting and distributed deployment execution of complex intelligent contracts in the transaction field through decoupling and cooperation of professional business transactions and currency transactions, greatly reduce the threshold of developing and deploying professional digital currency intelligent contracts, expand the application scene of intelligent contracts and have great practicability. The pre-consumption mode of the invention is that a consumer and a merchant sign a pre-consumption intelligent contract to promise to consume a certain amount of money/times, but the consumer does not pay funds in advance, but based on the pre-consumption intelligent contract and the payment intelligent contract, the settlement and the payment digital currency are consumed in real time, thereby realizing the transparency, fairness and fund security of the pre-consumption.
As shown in fig. 1, in an embodiment, the digital currency-based pre-consumption method of the present invention is applied to a pre-consumption supervision platform, and includes the following steps:
and S1, constructing 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, including but not limited to: making, publishing, verifying and deploying pre-consumption intelligent contracts; real-time consumption settlement is carried out based on consumption information provided by a consumer and a merchant; establishing a fixed trusted and safe docking interface with the digital currency system, submitting a conditional payment intelligent contract to the digital currency system, and triggering conditional payment; and realizing the management and control of the pre-consumption transaction data.
Specifically, in one embodiment of the present invention, constructing a pre-consumption smart contract for a consumer and a merchant includes the steps of:
11 Generating a pre-consumption smart contract based on the consumer and the merchant.
Specifically, the consumer and the merchant reach a pre-consumption intelligent contract on the pre-consumption supervision platform. The pre-consumption smart contract is a smart contract (including payment conditions) defining and defining the complete business transaction rules of consumers and merchants, and is a business transaction smart contract applicable to a specific business field. The pre-consumption intelligent is deployed and executed by a pre-consumption supervision platform of a third party; and the distributed collaborative service is realized with the payment intelligent contracts deployed in the digital currency system, so that the integrated intelligent contract functions are provided for various business transactions.
12 Obtain signatures of the pre-consumption smart contracts by the consumer and the merchant.
13 The pre-consumption supervision platform signs the pre-consumption smart contract.
14 Verifying the validity of the digital currency wallets of the consumer and the merchant, without pre-charging funds to the consumer.
And S2, making a payment intelligent contract based on the pre-consumption intelligent contract.
Specifically, the pre-consumption supervision platform automatically formulates a payment intelligent contract for safe and reliable conditional payment of the digital money wallets of the two parties based on the pre-consumption intelligent contract. The payment intelligent contract comprises contract identification, total consumption amount, single consumption amount, payment condition, payment period, failure processing contract, trigger strategy and the like, and the payment intelligent contract is signed.
Preferably, the trigger policy is actively invoked by the pre-consumption supervision platform to trigger; or automatically triggered by the digital money system upon a check contract condition, such as periodically.
And step S3, submitting the payment intelligent contract to a digital currency system so that the digital currency system deploys the payment intelligent contract to the digital currency wallet of the consumer.
Specifically, the pre-consumption supervision platform establishes a fixed and reliable contract interfacing interface service with the digital currency system according to the digital currency intelligent contract specification, thereby ensuring the professionality, high efficiency, safety and reliability of intelligent contract establishment and verification, and avoiding the risk that the buyer and the seller directly sign a transaction intelligent contract to be deployed to a money purse and the complex flow of contract establishment and verification.
Wherein the pre-consumption supervision platform submits the payment intelligent contract to a digital currency system. The digital currency system provides deployment and execution services of digital currency wallet conditional payment intelligent contracts, achieves point-to-point payment between purchasers and sellers, feeds back execution conditions of the intelligent contracts, and achieves transaction funds management and control. Specifically, the digital currency system first verifies that the payment intelligent contract belongs to a reliable intelligent contract which is formulated by the pre-consumption supervision platform and digitally signed, deploys the payment intelligent contract in a digital currency wallet of a consumer, and waits for meeting a contract triggering condition to execute a transaction. I.e. the consumer's digital money wallet does not immediately pay digital money to the pre-consumption administration platform or merchant at this point.
In an embodiment of the present invention, when deploying the payment smart contract, any one of the following transaction guarantee modes is adopted:
1) Automatically freezing digital currency of a total amount of consumption required by the digital currency wallet of the consumer by the digital currency system, and returning failure to deploy the payment intelligent contract to the pre-consumption supervision platform when the digital currency is insufficient;
2) Deploying the payment smart contract based on the consumer credit points without freezing any digital currency; when the payment intelligent contract digital currency is insufficient, one or more of reminding, executing for a plurality of times until successful, returning transaction failure, deducting transaction return commission and deducting credit points are executed.
And 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 can finish 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 finishes each consumption, the consumer or the merchant sends the 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 if so, sends a conditional payment triggering request to the digital currency system, wherein the request information comprises a consumer wallet, an intelligent contract identifier, a payment amount, a payment completion time and the like.
After the digital currency system receives the conditional payment triggering request sent by the pre-consumption supervision platform, checking whether the current currency transaction (including execution period, frequency, amount and the like) accords with the rule of the payment intelligent contract according to the identified payment intelligent contract deployed by the digital currency wallet of the consumer, and then executing the digital currency transfer transaction of the consumed amount; or when receiving the pre-consumption terminating transaction, the digital currency system directly releases the payment intelligent contract of the digital currency wallet of the consumer.
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 to the digital currency wallet of the merchant;
2) A portion of the transaction amount is transferred to the pre-consumption policing platform as a vouching commission and the remainder is transferred to the merchant's digital currency wallet.
In addition, after the digital currency payment is completed, the digital currency system returns the payment result (such as success) 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 payment result to the consumer and the merchant. If the transaction fails, the pre-consumption supervision platform rolls back and processes the transaction according to the rule.
Thus, the information flow of the whole transaction is at the pre-consumption supervision platform, while the fund flow is completely at the digital currency system, so that contract-based pre-consumption and real-time payment based on conditional payment are realized, and digital currency is directly paid point-to-point from a digital currency wallet of a consumer to a digital currency wallet of a merchant. The pre-consumption supervision platform does not involve the problem of collecting funds of consumers in advance 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 sellers. The unbinding information flow and the fund flow are associated and unified, so that potential risks caused by excessive centralization of data and funds in the field of network transaction are favorably remodeled. The supervision is facilitated by subdividing and standardizing industry business boundaries such as financial business and third party transaction guarantee.
The digital currency-based pre-consumption method of the present invention is further described below by taking the educational training pre-consumption mode as an example.
The consumer registers an account with the education and training institution at a public third party pre-consumption supervision platform and performs authentication. The third party pre-consumption supervision platform may assist in accessing an online portal of a training institution.
The consumer and the education and training institution sign the pre-consumption intelligent contract on the third party pre-consumption supervision platform. The pre-consumption intelligent contract includes: contract numbering; two-party account numbers; consuming the content; total amount and number of spending; pricing according to single consumption; a consumption cycle; payment means (pay calculated by times/month/season/year, etc.); and rules for re-pricing and compensating the other party when the single party breaks the contract; a dispute resolution mechanism; three-party signatures (consumer, training agency, supervisory platform), etc. The pre-consumption intelligent contract is completely formulated and executed by consumers and training institutions on the third-party pre-consumption supervision platform, and has no relation with a digital currency system. At the same time, the consumer and training institution provide respective digital money wallet accounts, respectively.
And the third party pre-consumption supervision platform makes a payment intelligent contract and submits the payment intelligent contract to the digital currency system. Specifically, the third party pre-consumption supervision platform establishes a payment intelligent contract for the digital currency wallet according to the pre-consumption contract based on the pre-consumption intelligent contract signed by the consumer and the training mechanism and the digital currency wallet account numbers provided by the consumer and the training mechanism, and submits the payment intelligent contract and the digital currency wallet account numbers of the receipts/payers to the digital currency system.
The digital currency system verifies the validity and security of the payment smart contract and the legitimacy and validity of the wallet account of the both parties, deploying the payment smart contract at the payer wallet.
When consumers consume, online reservation (merchant entrance provided by the third party pre-consumption supervision platform), offline consumption, online two-party signature confirmation and the like can be realized; or the consumer or the training mechanism submits the real-time consumption information to the third party pre-consumption supervision platform and is 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 record 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 according to the pre-consumption intelligent contract.
After the digital currency system receives the trigger request of conditional payment sent by the third party pre-consumption supervision platform, the digital currency transfer transaction of the consumption amount is executed according to the payment intelligent contract deployed by the digital currency wallet of the consumer. In performing the payment, the method includes transferring digital currency of the corresponding transaction amount from the digital currency wallet of the consumer to the merchant wallet. Preferably, a portion of the transaction amount may be transferred as a guarantee commission directly to the third party pre-consumption administration platform wallet, possibly in accordance with a smart contract, and the other to the merchant wallet.
And the third party pre-consumption supervision platform reminds the user of the performance state in real time according to the execution conditions of the deployed pre-consumption intelligent contracts and the payment intelligent contracts fed back by the digital currency system, and reminds the user of the consumption and settlement according to the contract.
As shown in fig. 2, in one embodiment, the digital currency-based pre-consumption system of the present invention is applied to a pre-consumption supervision platform, and includes a construction module 21, a formulation module 22, a submission module 23, and an execution module 24.
The construction module 21 is used for constructing pre-consumption smart contracts for consumers and merchants.
The formulating module 22 is connected to the constructing module 21 for formulating a payment intelligent contract based on the pre-consumption intelligent contract.
The submitting module 23 is connected to the formulating module 22 for submitting the payment intelligent contract to a digital money system for the digital money system to deploy the payment intelligent contract to the digital money wallet of the consumer.
The execution module 24 is connected to the submitting module 23, and is configured to execute the pre-consumption intelligent 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 the digital currency payment of the consumer to the merchant according to the conditional payment triggering request and the payment intelligent contract.
The structure and principle of the construction module 21, the formulation module 22, the submitting module 23 and the executing module 24 are in one-to-one correspondence with the steps in the above-mentioned digital currency-based pre-consumption method, so that the description thereof will not be repeated here.
It should be noted that, it should be understood that the division of the modules of the above apparatus is merely a division of a logic function, and may be fully or partially integrated into a physical entity or may be physically separated. The modules can be realized in a form of calling the processing element through software, can be realized in a form of hardware, can be realized in a form of calling the processing element through part of the modules, and can be realized in a form of hardware. For example: the x module may be a processing element which is independently set up, or may be implemented in a chip integrated in the device. The x module may be stored in the memory of the above device in the form of program codes, and the functions of the x module may be called and executed by a certain processing element of the above device. The implementation of the other modules is similar. All or part of the modules can be integrated together or can be implemented independently. 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 a software form. The above modules may be one or more integrated circuits configured to implement the above methods, for example: one or more application specific integrated circuits (Application Specific Integrated Circuit, ASIC for short), one or more microprocessors (Digital Signal Processor, DSP for short), one or more field programmable gate arrays (Field Programmable Gate Array, FPGA for short), 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 (Central Processing Unit, CPU) or other processor that may invoke the program code. These modules may be integrated together and implemented in the form of a System-on-a-chip (SOC) for short.
The storage medium of the present invention has stored thereon a computer program which, when executed by a processor, implements the above-described digital money-based pre-consumption method. Preferably, the storage medium includes: various media capable of storing program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.
As shown in fig. 3, in one embodiment, the pre-consumption supervision platform of the present invention includes: a processor 31 and a memory 32.
The memory 32 is used for storing a computer program.
The memory 32 includes: various media capable of storing program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.
The processor 31 is connected to the memory 32 and is configured to execute a computer program stored in the memory 32, so that the pre-consumption supervision platform performs the above-mentioned pre-consumption method based on digital money.
Preferably, the processor 31 may be a general-purpose processor, including a central processing unit (Central Processing Unit, abbreviated as CPU), a network processor (Network Processor, abbreviated as NP), etc.; but also digital signal processors (Digital Signal Processor, DSP for short), application specific integrated circuits (Application Specific Integrated Circuit, ASIC for short), field programmable gate arrays (Field Programmable Gate Array, FPGA for short) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components.
As shown in fig. 4, in one embodiment, the digital currency based pre-consumption system of the present invention includes the pre-consumption administration platform 41 and the digital currency system 42 described above.
The digital currency system 42 is connected with the pre-consumption supervision platform 41, and is used for receiving the payment intelligent contract sent by the pre-consumption supervision platform 41 and deploying the payment intelligent contract to the digital currency wallet of the consumer; and completing 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 a payment result to the pre-consumption administration platform 41, and the pre-consumption administration platform 41 is further configured to send the payment result to the consumer and the merchant.
In summary, the digital currency-based pre-consumption method, system, storage medium and supervision platform of the invention realize the establishment, deployment, monitoring, triggering, dispute resolution, etc. of the pre-consumption intelligent contracts of the buyer and the seller through the supervision platform of the third party, the supervision platform submits the payment intelligent contracts of the buyer and the seller based on the conditional triggering to the digital currency system, and the digital currency system deploys the payment intelligent contracts to the consumer wallet; the supervision platform settles 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 direct point-to-point currency transaction between purses of buyers and sellers, thereby realizing cooperative supervision of the fund flow and the information flow of the two parties of the transaction and realizing transparency, fairness and fund security of the pre-consumption contract transaction; based on the digital attribute of digital currency, the transaction data and currency circulation are unbindd and unified through decoupling and cooperation of professional business transaction and currency transaction, so that professional splitting, distributed deployment and execution of complex intelligent contracts in the transaction field are realized; based on a third-party transaction supervision platform, the pre-consumption intelligent contract formulation, deployment and supervision business transaction execution in the professional field are realized, and professional, reliable and safe digital currency payment intelligent contracts are formulated by the transaction parties; the digital currency system is only responsible for executing the digital currency intelligent contracts according to conditions, does not pay attention to business transaction business in various fields, greatly reduces the threshold for developing and deploying specialized digital currency intelligent contracts, and expands the application scene of the intelligent contracts; the system can be embedded into the business operation system of the existing digital currency and third party consumption supervision platform/electronic commerce platform by using a standardized module, has no requirements and constraints on specific technical architecture, safety technical standards of operation environment and flow specifications, has low research, development and deployment cost, is easy to popularize, promotes the deep fusion of the digital currency and consumption scene, and improves the fair, credible and transparent transaction experience of buyers and sellers; the intelligent contract-based intelligent payment system not only can be applied to the novel consumption service field, but also can be applied to the production fields of industrial manufacturing industry chains, internet of things finance and the like, so that consumption and payment based on intelligent contracts are realized in the fields, 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 above embodiments are merely illustrative of the principles of the present invention and its effectiveness, and are not intended to limit the invention. Modifications and variations may be made to the above-described embodiments by those skilled in the art without departing from the spirit and scope of the invention. Accordingly, it is intended that all equivalent modifications and variations of the invention be covered by the claims, which are within the ordinary skill of the art, be within the spirit and scope of the present disclosure.
Claims (7)
1. The 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 a pre-consumption intelligent contract of a consumer party and a merchant party;
formulating a payment smart contract based on the pre-consumption smart contract;
submitting the payment smart contract to a digital currency system, such that the digital currency system deploys the payment smart contract to the consumer's digital currency wallet;
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 can complete digital currency payment of the consumer to the merchant according to the conditional payment triggering request and the payment intelligent contract;
the construction of the pre-consumption intelligent contract of the consumer and the merchant comprises the following steps:
generating a pre-consumption smart 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 the merchant;
the payment intelligent contract comprises contract identification, total consumption amount, single consumption amount, payment condition, payment period, failure processing contract and triggering strategy; the trigger policy is triggered by the pre-consumption supervision platform or by the digital currency system;
the payment intelligent contract adopts a transaction guarantee mode of any one of the following:
1) Automatically freezing digital currency of a total amount of consumption required by the digital currency wallet of the consumer by the digital currency system, and returning failure to deploy the payment intelligent contract to the pre-consumption supervision platform when the digital currency is insufficient;
2) Deploying the payment smart contract based on the consumer credit points without freezing any digital currency; when the payment intelligent contract digital currency is insufficient, one or more of reminding, executing for a plurality of times until successful, returning transaction failure, deducting transaction return commission and deducting credit points are executed.
2. The utility model provides a pre-consumption system based on digital currency, is applied to pre-consumption supervision platform, its characterized in that: the system comprises a construction module, a formulation module, a submitting module and an executing module;
the construction module is used for constructing pre-consumption intelligent contracts of a consumer party and a merchant party;
the formulating module is used for formulating a payment intelligent contract based on the pre-consumption intelligent contract;
the submitting module is used for submitting the payment intelligent contract to a digital currency system so that the digital currency system deploys the payment intelligent contract to the 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 can complete digital currency payment of the consumer to the merchant according to the conditional payment triggering request and the payment intelligent contract;
the construction of the pre-consumption intelligent contract of the consumer and the merchant comprises the following steps:
generating a pre-consumption smart 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 the merchant;
the payment intelligent contract comprises contract identification, total consumption amount, single consumption amount, payment condition, payment period, failure processing contract and triggering strategy; the trigger policy is triggered by the pre-consumption supervision platform or by the digital currency system;
the payment intelligent contract adopts a transaction guarantee mode of any one of the following:
1) Automatically freezing digital currency of a total amount of consumption required by the digital currency wallet of the consumer by the digital currency system, and returning failure to deploy the payment intelligent contract to the pre-consumption supervision platform when the digital currency is insufficient;
2) Deploying the payment smart contract based on the consumer credit points without freezing any digital currency; when the payment intelligent contract digital currency is insufficient, one or more of reminding, executing for a plurality of times until successful, returning transaction failure, deducting transaction return commission and deducting credit points are executed.
3. A storage medium having stored thereon a computer program, which when executed by a processor implements the digital currency based pre-consumption method of claim 1.
4. A pre-consumption administration platform, 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 pre-consumption administration platform to perform the digital currency-based pre-consumption method of claim 1.
5. A digital currency-based pre-consumption system, characterized by: comprising the pre-consumption administration platform of claim 4 and a digital money 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 the digital currency wallet of the consumer; and completing digital currency payment of the consumer to the merchant according to the received conditional payment triggering request and the payment intelligent contract.
6. The digital currency-based pre-consumption system according to claim 5, 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 to the digital currency wallet of the merchant;
2) A portion of the transaction amount is transferred to the pre-consumption policing platform as a vouching commission and the remainder is transferred to the merchant's digital currency wallet.
7. The digital currency-based pre-consumption system according to claim 5, wherein: the digital currency system is further configured to send a payment result to the pre-consumption administration platform, which is further configured to send the payment result to the consumer and the merchant.
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