CN114445080A

CN114445080A - Digital currency payment method and device suitable for international business

Info

Publication number: CN114445080A
Application number: CN202210371500.0A
Authority: CN
Inventors: 黄大勇; 张丽红
Original assignee: Guangdong Enterprise Standard & Poor's Internet Information Service Co ltd; Guangdong Qisu Standard & General Technology Co ltd
Current assignee: Guangdong Enterprise Standard & Poor's Internet Information Service Co ltd; Guangdong Qisu Standard & General Technology Co ltd
Priority date: 2022-04-11
Filing date: 2022-04-11
Publication date: 2022-05-06
Anticipated expiration: 2042-04-11
Also published as: CN114445080B

Abstract

The invention discloses a digital currency payment method and a device suitable for international business, wherein the method comprises the following steps: acquiring a digital currency payment request, and determining a target payment account according to the digital currency payment request; determining a corresponding target country according to the target payment account; determining a target intermediary currency corresponding to the digital currency payment request based on an intermediary conversion loss minimum algorithm according to the intermediary currency information corresponding to the target country; and converting the payment currency corresponding to the digital currency payment request into the target intermediary currency, converting the payment currency into the currency corresponding to the target payment account, and paying the currency to the target payment account. Therefore, the invention can determine the most appropriate intermediary currency through an accurate and advanced data processing algorithm so as to realize the transnational digital currency payment with the lowest loss.

Description

Digital currency payment method and device suitable for international business

Technical Field

The invention relates to the technical field of digital currency algorithms, in particular to a digital currency payment method and device suitable for international business.

Background

With the prevalence of digital currencies around the world, more and more countries and their central banks begin to consider establishing their own official digital currency systems, and more enterprises begin to consider incorporating digital currency payment methods into supported payment methods, so as to improve the operating benefits by virtue of the characteristics of digital currency, such as safety, convenience, and the like. However, the existing digital currency payment method is generally only suitable for currency payment in the same system, and no corresponding improvement measure is provided for the payment of a cross-country and cross-system, so that the defects of the prior art are overcome, and a solution is urgently needed.

Disclosure of Invention

The technical problem to be solved by the invention is to provide a digital currency payment method and device suitable for international business, which can determine the most suitable intermediary currency through an accurate and advanced data processing algorithm so as to realize the transnational digital currency payment with the lowest loss.

In order to solve the technical problem, a first aspect of the present invention discloses a digital currency payment method suitable for international business, including:

acquiring a digital currency payment request, and determining a target payment account according to the digital currency payment request;

determining a corresponding target country according to the target payment account;

determining a target intermediary currency corresponding to the digital currency payment request based on an intermediary conversion loss minimum algorithm according to the intermediary currency information corresponding to the target country;

and converting the payment currency corresponding to the digital currency payment request into the target intermediary currency, converting the payment currency into the currency corresponding to the target payment account, and paying the currency to the target payment account.

As an alternative embodiment, in the first aspect of the present invention, the target country includes a plurality of target countries; the determining the target intermediary currency corresponding to the digital currency payment request based on an intermediary conversion loss minimum algorithm according to the intermediary currency information corresponding to the target country comprises the following steps:

for any target country, determining a plurality of selectable intermediary coins corresponding to the target country;

determining exchange rate information of each optional intermediary currency;

determining a target intermediary currency with the minimum intermediary conversion loss corresponding to the digital currency payment request according to the exchange rate information of all optional intermediary currencies corresponding to all target countries; the intermediary conversion loss is the value loss borne by the payment currency corresponding to the digital currency payment request for intermediary conversion payment through the target intermediary currency.

As an optional implementation manner, in the first aspect of the present invention, the determining, according to the exchange rate information of all optional intermediary coins corresponding to all the target countries, a target intermediary coin with a minimum intermediary conversion loss corresponding to the digital currency payment request includes:

determining the intersection of a plurality of selectable intermediate coins corresponding to all the target countries to obtain a plurality of candidate intermediate coins;

determining exchange rate information corresponding to each candidate intermediary currency;

and determining a target intermediary currency with the minimum intermediary conversion loss corresponding to the digital currency payment request from the plurality of candidate intermediary currencies according to the exchange rate information of all the candidate intermediary currencies.

As an optional implementation manner, in the first aspect of the present invention, the determining, from the plurality of candidate mediator coins, a target mediator coin with a lowest mediation conversion loss corresponding to the digital currency payment request according to the exchange rate information of all the candidate mediator coins includes:

for each candidate intermediary currency, calculating the value loss borne by the payment currency corresponding to the digital currency payment request for intermediary conversion payment through the candidate intermediary currency;

determining a candidate intermediary currency with the minimum value loss from the candidate intermediary currencies and determining a target intermediary currency with the minimum intermediary conversion loss corresponding to the digital currency payment request;

and/or the presence of a gas in the gas,

determining that a first objective function is that the intermediary transformation loss of an intermediary transformation chain is minimal; the intermediary conversion chain is used for carrying out intermediary conversion on the payment currency corresponding to the digital currency payment request through at least two candidate intermediary currencies to obtain at least two conversion chains of target currencies;

determining a first constraint condition that at least two target currencies corresponding to the intermediary conversion chain are used for paying all the target payment accounts;

calculating an optimal intermediary conversion chain corresponding to the digital currency payment request based on a first dynamic programming algorithm according to the exchange rate information of all the candidate intermediary currencies, the first objective function and the first constraint condition;

and determining at least two candidate intermediary coins in the optimal intermediary conversion chain as target intermediary coins corresponding to the digital currency payment request.

As an optional implementation manner, in the first aspect of the present invention, the determining the exchange rate information corresponding to each candidate mediator includes:

for any candidate intermediary currency, determining a plurality of historical exchange rate information corresponding to the candidate intermediary currency;

predicting the predicted exchange rate information of the candidate intermediary currency in the payment time period corresponding to the digital currency payment request according to a plurality of historical exchange rate information corresponding to the candidate intermediary currency;

and determining the predicted exchange rate information as the exchange rate information corresponding to the candidate intermediary currency.

As an optional implementation manner, in the first aspect of the present invention, the predicting, according to a plurality of historical exchange rate information corresponding to the candidate intermediary currency, the predicted exchange rate information of the candidate intermediary currency in the payment time period corresponding to the digital currency payment request includes:

determining a rate-time prediction polynomial model corresponding to the candidate intermediary currency based on a polynomial arithmetic algorithm based on a plurality of historical rate information corresponding to the candidate intermediary currency and corresponding historical time periods;

and inputting the payment time period corresponding to the digital currency payment request into the exchange rate-time prediction polynomial model, and predicting the predicted exchange rate information of the candidate intermediary currency in the payment time period.

inputting a plurality of historical exchange rate information corresponding to the candidate intermediary currency and corresponding historical time periods into a trained exchange rate prediction neural network model so as to obtain the predicted exchange rate information of the candidate intermediary currency in the payment time period corresponding to the digital currency payment request; the exchange rate prediction neural network model comprises a convolution network layer and a full connection layer; the exchange rate prediction neural network model is obtained by training a training data set comprising a plurality of historical training exchange rate information corresponding to a plurality of training intermediary coins and marked real future exchange rate information; the maximum time difference between the exchange rate time period corresponding to the real future exchange rate information and the plurality of historical training time periods corresponding to the plurality of historical training exchange rate information is larger than the maximum time difference between the payment time period and the plurality of historical time periods corresponding to the plurality of historical exchange rate information.

As an alternative embodiment, in the first aspect of the present invention, the target medium banknote includes a plurality of target medium banknotes; the target payment account comprises a plurality of target payment accounts; the step of converting the payment currency corresponding to the digital currency payment request into the target intermediary currency, converting the payment currency into the currency corresponding to the target payment account, and paying the currency to the target payment account includes:

determining the payment time corresponding to each target payment account;

determining a first time consumption for converting the payment currency corresponding to the digital currency payment request into any one of the target intermediary currency and a second time consumption for converting any one of the target intermediary currency into the currency corresponding to the target payment account;

determining that the second objective function is the minimum sum of time losses of the conversion payment chains; the conversion payment chain is used for carrying out intermediary conversion on payment currency corresponding to the digital currency payment request through the target intermediary currencies to obtain a plurality of conversion chains of the target currencies; the time loss is a time difference between the time for converting the currency corresponding to any one target payment account in the conversion payment chain and the corresponding payment time;

determining a second constraint condition that a plurality of target currencies corresponding to the conversion payment chain are used for paying all the target payment accounts;

calculating an optimal conversion payment chain corresponding to the digital currency payment request based on a second dynamic programming algorithm according to the payment time, the first time consumption, the second objective function and the second constraint condition;

and converting the payment currency corresponding to the digital currency payment request into currency corresponding to all the target payment accounts based on the optimal conversion payment chain, and paying to all the target payment accounts.

The second aspect of the present invention discloses a digital money payment apparatus suitable for international business, which includes:

the request acquisition module is used for acquiring a digital currency payment request and determining a target payment account according to the digital currency payment request;

the country determination module is used for determining a corresponding target country according to the target payment account;

the intermediary determining module is used for determining a target intermediary currency corresponding to the digital currency payment request based on an intermediary conversion loss minimum algorithm according to the intermediary currency information corresponding to the target country;

and the conversion payment module is used for converting the payment currency corresponding to the digital currency payment request into the target intermediary currency, converting the payment currency into the currency corresponding to the target payment account and paying the currency to the target payment account.

As an alternative embodiment, in the second aspect of the present invention, the target country includes a plurality of target countries; the intermediary determining module determines a specific mode of the target intermediary currency corresponding to the digital currency payment request based on an intermediary conversion loss minimum algorithm according to the intermediary currency information corresponding to the target country, and the specific mode comprises the following steps:

determining exchange rate information of each optional intermediary currency;

As an optional implementation manner, in the second aspect of the present invention, the specific manner of determining, by the intermediary determination module, the target intermediary currency with the smallest intermediary conversion loss corresponding to the digital currency payment request according to the exchange rate information of all optional intermediary currencies corresponding to all target countries includes:

determining the intersection of a plurality of optional intermediary coins corresponding to all the target countries to obtain a plurality of candidate intermediary coins;

As an optional implementation manner, in the second aspect of the present invention, a specific manner of determining, by the intermediary determination module, a target intermediary currency corresponding to the digital currency payment request with the minimum intermediary conversion loss from the plurality of candidate intermediary currencies according to the exchange rate information of all the candidate intermediary currencies includes:

and/or the presence of a gas in the gas,

As an optional implementation manner, in the second aspect of the present invention, a specific manner of determining the exchange rate information corresponding to each candidate mediator includes:

As an optional implementation manner, in the second aspect of the present invention, a specific manner of predicting, by the intermediary determination module, the predicted exchange rate information of the candidate intermediary currency in the payment time period corresponding to the digital currency payment request according to the plurality of historical exchange rate information corresponding to the candidate intermediary currency includes:

As an alternative embodiment, in the second aspect of the present invention, the target medium banknote includes a plurality of target medium banknotes; the target payment account comprises a plurality of target payment accounts; the specific mode that the conversion payment module converts the payment currency corresponding to the digital currency payment request into the target intermediary currency, converts the payment currency into the currency corresponding to the target payment account, and pays the target payment account comprises the following steps:

determining the payment time corresponding to each target payment account;

In a third aspect, the present invention discloses another digital money payment apparatus adapted for international business, the apparatus comprising:

a memory storing executable program code;

a processor coupled with the memory;

the processor calls the executable program code stored in the memory to execute part or all of the steps of the digital currency payment method applicable to the international business disclosed by the first aspect of the embodiment of the invention.

Compared with the prior art, the embodiment of the invention has the following beneficial effects:

in the embodiment of the invention, a digital currency payment request is acquired, and a target payment account is determined according to the digital currency payment request; determining a corresponding target country according to the target payment account; determining a target intermediary currency corresponding to the digital currency payment request based on an intermediary conversion loss minimum algorithm according to the intermediary currency information corresponding to the target country; and converting the payment currency corresponding to the digital currency payment request into the target intermediary currency, converting the payment currency into the currency corresponding to the target payment account, and paying the currency to the target payment account. Therefore, the invention can determine the most appropriate intermediary currency through an accurate and advanced data processing algorithm so as to realize the transnational digital currency payment with the lowest loss.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a flow chart of a digital currency payment method suitable for international business disclosed in an embodiment of the invention;

FIG. 2 is a schematic structural diagram of a digital currency payment device suitable for international business according to an embodiment of the present invention;

fig. 3 is a schematic structural diagram of another digital currency payment device suitable for international business according to an embodiment of the present invention.

Detailed Description

In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The terms "first," "second," and the like in the description and claims of the present invention and in the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, apparatus, article, or article that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or article.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the invention. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.

The invention discloses a digital currency payment method and a device suitable for international business, which can determine the most suitable intermediary currency through an accurate and advanced data processing algorithm so as to realize the transnational digital currency payment with the lowest loss. The following are detailed below.

Example one

Referring to fig. 1, fig. 1 is a schematic flow chart illustrating a digital currency payment method suitable for international business according to an embodiment of the present invention. Specifically, as shown in fig. 1, the digital currency payment method for international business may include the following operations:

101. and acquiring the digital currency payment request, and determining a target payment account according to the digital currency payment request.

102. And determining a corresponding target country according to the target payment account.

103. And determining the target intermediary currency corresponding to the digital currency payment request based on the intermediary conversion loss minimum algorithm according to the intermediary currency information corresponding to the target country.

104. And converting the payment currency corresponding to the digital currency payment request into the target intermediary currency, converting the payment currency into the currency corresponding to the target payment account, and paying the currency to the target payment account.

Optionally, the payment currency, the target intermediary currency, or the currency type corresponding to the target payment account may be official digital currency of each country, such as the digital rmb of china, or digital currency issued by a private institution, such as a bitcoin.

Through the arrangement, the most appropriate intermediary currency can be determined through an accurate and advanced data processing algorithm, so that the transnational digital currency payment with the lowest loss is realized.

As an alternative embodiment, the target country includes a plurality of target countries, and in the step, determining the target intermediary currency corresponding to the digital currency payment request based on the intermediary conversion loss minimization algorithm according to the intermediary currency information corresponding to the target country includes:

determining exchange rate information of each optional intermediary currency;

and determining the target intermediary currency with the minimum intermediary conversion loss corresponding to the digital currency payment request according to the exchange rate information of all the optional intermediary currencies corresponding to all the target countries.

Specifically, the intermediary conversion loss is a value loss incurred when the payment currency corresponding to the digital currency payment request is subjected to intermediary conversion payment through the target intermediary currency. Specifically, the value loss is a difference between a currency amount corresponding to a target payment account obtained by intermediating and converting payment currency corresponding to the digital currency payment request through a target intermediary currency and a currency amount corresponding to a target payment account obtained by directly converting the payment currency corresponding to the digital currency payment request, wherein the difference includes a commission fee possibly caused by conversion and a loss caused by exchange rate change between at least two conversions.

Through the steps, the appropriate intermediary currency can be more accurately determined through the exchange rate information of a plurality of intermediary currencies which can be supported by the target country, so that the value loss borne by the intermediary conversion payment of the payment currency corresponding to the digital currency payment request through the target intermediary currency is reduced to the greatest extent.

As an optional implementation manner, in the above step, determining the target intermediary currency with the lowest intermediary conversion loss corresponding to the digital currency payment request according to the exchange rate information of all the optional intermediary currencies corresponding to all the target countries includes:

determining the intersection of a plurality of selectable intermediate coins corresponding to all target countries to obtain a plurality of candidate intermediate coins;

and according to the exchange rate information of all candidate intermediary coins, determining a target intermediary coin with the minimum intermediary conversion loss corresponding to the digital currency payment request from the candidate intermediary coins.

Through the steps, the appropriate intermediary currency can be more accurately determined through the exchange rate information of a plurality of intermediary currencies supported by all target countries, so that the value loss borne by intermediary conversion payment of the payment currency corresponding to the digital currency payment request through the target intermediary currency is reduced to the maximum extent.

As an optional implementation manner, in the above step, the determining, from the plurality of candidate mediator coins, the target mediator coin with the lowest intermediary conversion loss corresponding to the digital currency payment request according to the exchange rate information of all the candidate mediator coins includes:

a candidate intermediary currency with the minimum value loss is determined from the candidate intermediary currencies, and a target intermediary currency with the minimum value loss is determined for the intermediary conversion corresponding to the digital currency payment request.

Alternatively, the value loss may be calculated by assuming a candidate intermediary currency as the intermediary currency and calculating the value loss incurred by the intermediary conversion payment of the payment currency corresponding to the digital currency payment request through the candidate intermediary currency according to the current or predicted exchange rate information.

Through the arrangement, a proper intermediary currency can be determined more accurately, so that the value loss borne by intermediary conversion payment of the payment currency corresponding to the digital currency payment request through the target intermediary currency can be reduced to the maximum extent.

determining that the first objective function is the medium conversion loss minimum of the medium conversion chain; the intermediary conversion chain is a conversion chain for carrying out intermediary conversion on payment currency corresponding to the digital currency payment request through at least two candidate intermediary currencies to obtain at least two target currencies;

determining a first constraint condition that at least two target currencies corresponding to the intermediary conversion chain are used for paying all target payment accounts;

calculating an optimal intermediary conversion chain corresponding to the digital currency payment request based on a first dynamic programming algorithm according to the exchange rate information of all candidate intermediary currencies, a first objective function and a first constraint condition;

Optionally, the dynamic programming algorithm may be an immune particle swarm algorithm or other programming algorithms.

Through the arrangement, a plurality of suitable intermediary coins can be more accurately determined to carry out multiple conversion payment, so that the value loss born by the intermediary conversion payment of the payment currency corresponding to the digital currency payment request through the target intermediary coin is reduced to the greatest extent.

As an optional implementation manner, in the foregoing step, determining the exchange rate information corresponding to each candidate intermediary currency includes:

predicting the predicted exchange rate information of the candidate intermediary currency in the payment time period corresponding to the digital currency payment request according to the plurality of historical exchange rate information corresponding to the candidate intermediary currency;

As an optional implementation manner, in the step, predicting the predicted exchange rate information of the candidate intermediary currency in the payment time period corresponding to the digital currency payment request according to the plurality of historical exchange rate information corresponding to the candidate intermediary currency comprises:

Through the arrangement, the odd possible predicted exchange rate information can be predicted more accurately according to the historical exchange rate information of the candidate intermediary currency, so that the appropriate intermediary currency can be determined more accurately subsequently to carry out multiple conversion payment, and the value loss borne by the intermediary conversion payment of the payment currency corresponding to the digital currency payment request through the target intermediary currency is reduced to the maximum extent.

As an alternative embodiment, the target intermediary currency comprises a plurality of target intermediary currencies; in the above step, the target payment account includes a plurality of target payment accounts; converting the payment currency corresponding to the digital currency payment request into the target intermediary currency, converting the payment currency into the currency corresponding to the target payment account, and paying the currency to the target payment account, wherein the payment currency comprises the following steps:

determining the payment time corresponding to each target payment account;

determining a first time consumed when the payment currency corresponding to the digital currency payment request is converted into any one target intermediary currency and a second time consumed when any one target intermediary currency is converted into the currency corresponding to the target payment account;

determining that the second objective function is the minimum sum of time losses of the conversion payment chains; the conversion payment chain is used for carrying out intermediary conversion on payment currency corresponding to the digital currency payment request through a plurality of target intermediary currencies to obtain a plurality of conversion chains of the target currencies; the time loss is the time difference between the time for converting the currency corresponding to any one target payment account in the payment chain and the corresponding payment time;

determining a second constraint condition that a plurality of target currencies corresponding to the converted payment chain are used for paying all target payment accounts;

calculating an optimal conversion payment chain corresponding to the digital currency payment request based on a second dynamic programming algorithm according to the payment time, the first consumed time, the second consumed time, a second objective function and a second constraint condition;

and based on the optimal conversion payment chain, converting the payment currency corresponding to the digital currency payment request into the currency corresponding to all target payment accounts, and paying to all the target payment accounts.

Through the arrangement, the payment currency corresponding to the digital currency payment request can be determined to be subjected to intermediary conversion through the plurality of target intermediary currencies based on a dynamic programming algorithm so as to obtain the optimal conversion chain of the plurality of target currencies, so that the transnational digital currency payment can be completed more accurately and more timely.

Example two

Referring to fig. 2, fig. 2 is a schematic structural diagram of a digital currency payment apparatus suitable for international business according to an embodiment of the present invention. Specifically, as shown in fig. 2, the apparatus may include:

a request acquisition module 201, configured to acquire a digital currency payment request, and determine a target payment account according to the digital currency payment request;

a country determination module 202, configured to determine a corresponding target country according to the target payment account;

the intermediary determining module 203 is used for determining a target intermediary currency corresponding to the digital currency payment request based on an intermediary conversion loss minimum algorithm according to intermediary currency information corresponding to a target country;

the conversion payment module 204 is configured to convert the payment currency corresponding to the digital currency payment request into a target intermediary currency, convert the target intermediary currency into a currency corresponding to the target payment account, and pay the currency to the target payment account.

As an alternative embodiment, the target country comprises a plurality of target countries; the specific mode of the intermediary currency corresponding to the digital currency payment request is determined by the intermediary determining module 203 according to the intermediary currency information corresponding to the target country based on the intermediary conversion loss minimum algorithm, and comprises the following steps:

determining exchange rate information of each optional intermediary currency;

determining a target intermediary currency with the minimum intermediary conversion loss corresponding to the digital currency payment request according to the exchange rate information of all selectable intermediary currencies corresponding to all target countries; the intermediary conversion loss is the value loss borne by the payment currency corresponding to the digital currency payment request for intermediary conversion payment through the target intermediary currency.

As an alternative embodiment, the specific way of determining the target intermediary currency with the minimum intermediary conversion loss corresponding to the digital currency payment request by the intermediary determination module 203 according to the exchange rate information of all the selectable intermediary currencies corresponding to all the target countries includes:

As an alternative embodiment, the specific manner of determining, by the intermediary determination module 203, the target intermediary currency with the smallest intermediary conversion loss corresponding to the digital currency payment request from the plurality of candidate intermediary currencies according to the exchange rate information of all the candidate intermediary currencies includes:

for each candidate intermediary currency, calculating the value loss born by the intermediary conversion payment of the payment currency corresponding to the digital currency payment request through the candidate intermediary currency;

and/or the presence of a gas in the gas,

As an optional implementation manner, the specific manner of determining the exchange rate information corresponding to each candidate mediator by the mediator determining module 203 includes:

As an optional implementation manner, the specific manner of predicting the predicted exchange rate information of the candidate intermediary currency in the payment time period corresponding to the digital currency payment request by the intermediary determination module 203 according to the plurality of historical exchange rate information corresponding to the candidate intermediary currency includes:

inputting a plurality of historical exchange rate information corresponding to the candidate intermediary currency and corresponding historical time periods into a trained exchange rate prediction neural network model so as to obtain the predicted exchange rate information of the candidate intermediary currency in the payment time period corresponding to the digital currency payment request; the exchange rate prediction neural network model comprises a convolution network layer and a full connection layer; the exchange rate prediction neural network model is obtained by training a training data set comprising a plurality of historical training exchange rate information corresponding to a plurality of training medium coins and marked real future exchange rate information; the maximum time difference between the exchange rate time period corresponding to the real future exchange rate information and the plurality of historical training time periods corresponding to the plurality of historical training exchange rate information is larger than the maximum time difference between the payment time period and the plurality of historical time periods corresponding to the plurality of historical exchange rate information.

As an alternative embodiment, the target intermediary currency comprises a plurality of target intermediary currencies; the target payment account comprises a plurality of target payment accounts; the specific way of converting the payment currency corresponding to the digital currency payment request into the target intermediary currency and then into the currency corresponding to the target payment account by the conversion payment module 204 to pay the target payment account includes:

determining the payment time corresponding to each target payment account;

EXAMPLE III

Referring to fig. 3, fig. 3 is a schematic structural diagram of another digital currency payment apparatus suitable for international business according to an embodiment of the present invention. As shown in fig. 3, the apparatus may include:

a memory 301 storing executable program code;

a processor 302 coupled to the memory 301;

the processor 302 calls the executable program code stored in the memory 301 to execute part or all of the steps of the digital currency payment method applicable to international business disclosed in one embodiment of the present invention.

Example four

The embodiment of the invention discloses a computer storage medium, which stores computer instructions, and when the computer instructions are called, the computer storage medium is used for executing part or all of the steps of the digital currency payment method suitable for international business disclosed by the embodiment of the invention.

While certain embodiments of the present disclosure have been described above, other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily have to be in the particular order shown or in sequential order to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus, device, and non-volatile computer-readable storage medium embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and in relation to the description, reference may be made to some portions of the description of the method embodiments.

The apparatus, the device, the nonvolatile computer readable storage medium, and the method provided in the embodiments of the present specification correspond to each other, and therefore, the apparatus, the device, and the nonvolatile computer storage medium also have similar advantageous technical effects to the corresponding method.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardsradware (Hardware Description Language), vhjhd (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the various elements may be implemented in the same one or more software and/or hardware implementations of the present description.

As will be appreciated by one skilled in the art, the present specification embodiments may be provided as a method, system, or computer program product. Accordingly, the embodiments described herein may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

Finally, it should be noted that: the digital currency payment method and device for international business disclosed in the embodiments of the present invention are only disclosed as preferred embodiments of the present invention, which are only used for illustrating the technical solutions of the present invention, but not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those skilled in the art; the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. A digital currency payment method adapted for international business, said method comprising:

2. The digital currency payment method adapted for international business as claimed in claim 1, wherein the target country comprises a plurality of target countries; the determining the target intermediary currency corresponding to the digital currency payment request based on an intermediary conversion loss minimum algorithm according to the intermediary currency information corresponding to the target country comprises the following steps:

determining exchange rate information of each optional intermediary currency;

3. The method of claim 2, wherein the determining the target intermediary currency with the lowest intermediary conversion loss corresponding to the digital currency payment request according to the exchange rate information of all selectable intermediary currencies corresponding to all target countries comprises:

4. The method according to claim 3, wherein the determining a target intermediary currency from the plurality of candidate intermediary currencies with the lowest intermediary conversion loss corresponding to the digital currency payment request according to the exchange rate information of all the candidate intermediary currencies comprises:

and/or the presence of a gas in the gas,

5. The method of claim 3, wherein the determining the exchange rate information corresponding to each of the candidate mediator coins comprises:

6. The method as claimed in claim 5, wherein the predicting of the predicted exchange rate information of the candidate mediator money in the payment time period corresponding to the digital money payment request according to the plurality of historical exchange rate information corresponding to the candidate mediator money comprises:

determining an exchange rate-time prediction polynomial model corresponding to the candidate intermediary currency based on a plurality of pieces of historical exchange rate information corresponding to the candidate intermediary currency and corresponding historical time periods and a polynomial arithmetic algorithm;

7. The method as claimed in claim 5, wherein the predicting of the predicted exchange rate information of the candidate mediator money in the payment time period corresponding to the digital money payment request according to the plurality of historical exchange rate information corresponding to the candidate mediator money comprises:

8. The digital currency payment method adapted for international business as claimed in claim 1, wherein the target mediator coin includes a plurality of target mediator coins; the target payment account comprises a plurality of target payment accounts; the step of converting the payment currency corresponding to the digital currency payment request into the target intermediary currency, converting the payment currency into the currency corresponding to the target payment account, and paying the currency to the target payment account includes:

determining the payment time corresponding to each target payment account;

9. A digital currency payment device adapted for international business, said device comprising:

the intermediary determining module is used for determining the target intermediary currency corresponding to the digital currency payment request based on an intermediary conversion loss minimum algorithm according to the intermediary currency information corresponding to the target country;

10. A digital currency payment device adapted for international business, said device comprising:

a memory storing executable program code;

a processor coupled with the memory;

the processor calls the executable program code stored in the memory to execute the digital currency payment method for international business as claimed in any one of claims 1-8.