CN115526617A - Block chain-based digital RMB payment method, system, medium and equipment - Google Patents
Block chain-based digital RMB payment method, system, medium and equipment Download PDFInfo
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- CN115526617A CN115526617A CN202211128667.0A CN202211128667A CN115526617A CN 115526617 A CN115526617 A CN 115526617A CN 202211128667 A CN202211128667 A CN 202211128667A CN 115526617 A CN115526617 A CN 115526617A
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
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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
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
Abstract
The application discloses a block chain-based digital RMB payment method, system, medium and equipment, and belongs to the technical field of digital RMB and block chains. The method comprises the following steps: the paying party and the collecting party sign the electronic contract in the electronic contract management platform, and a collection intelligent contract and a reserved payment intelligent contract are generated in the intelligent contract platform according to the electronic contract; the intelligent contract platform deploys two intelligent contracts into a block chain; when the collection conditions specified in the collection intelligent contract are met, the collection intelligent contract creates a collection order and sends the collection order to the reserved payment intelligent contract; and after the payment reservation intelligent contract passes the verification of the collection order, initiating a payment operation through the digital RMB payment platform so that the payer pays the corresponding amount of digital RMB to the payee. The method and the system have the advantages that the contracts are digitized into the intelligent contracts through the block chain technology, so that contract constraints are automatically fulfilled by contract signing parties, trust cost is reduced, and payment and data safety are improved.
Description
Technical Field
The embodiment of the application relates to the technical field of digital RMB and block chains, in particular to a block chain-based digital RMB payment method, a system, a medium and equipment.
Background
B2B (Business-to-Business) payment is becoming increasingly important as a ring in Business operations, and the necessity for digital transformation thereof is becoming more prominent. In recent years, with the vigorous development of the Chinese internet and the mobile internet, a series of infrastructure for B2B transactions such as payment, logistics, electronic signatures, electronic stamps and the like are constructed in the B2B industry, and the trend of online and digitization of the B2B payment is further accelerated. In 2019, the transaction scale of the B2B market in China reaches 25.94 trillion yuan, but the transaction fund settlement mode is realized by more than 95 percent of the traditional payment settlement modes: including internet bank transfer, money orders and the like, and can not be compared with developed C2B payment systems in China. With the gradual increase of the transaction scale of the B2B market, the traditional inter-enterprise payment settlement mode cannot meet the increasingly vigorous, convenient, fast, efficient and safe payment requirements of enterprises.
Digital rmb is gradually tamping the foundation of the financial development of the chinese digital economy as a new infrastructure for electronic money, electronic payment and finance. The popularization of the method is beneficial to promoting cost reduction and efficiency improvement of enterprise operation activities and improving the digital transformation capability of the enterprises. The block chain technology naturally has the characteristics of multicentralization, transparent data transaction, traceability in the whole process and difficulty in tampering, has natural compatibility with related requirements in the financial field, and can ensure that the B2B payment is safely, automatically, conveniently and efficiently executed according to preset conditions by combining with an intelligent contract running on a block chain network.
In the B2B transaction process, due to the complex business and the numerous participation roles of enterprises, the enterprises need to comprehensively manage transaction processes, and the details of aspects such as contracts, orders, payments, funds, bookings, reconciliation and the like are involved. At present, the digitalization degree of related processes of most enterprises is low, and great manpower, material resources and financial resources are consumed for completing the work. The specific problems that exist are as follows:
1. capital cost and efficiency issues. The current B2B payment main mode is that enterprises carry out revolution account checking, public windows or internet banking operations are limited by the working time of a bank large-amount settlement system, and non-working time such as holidays and festivals cannot transfer accounts, so that the transfer efficiency of enterprise funds is greatly reduced. Meanwhile, a certain handling fee and account management fee need to be paid in the process.
2. The operation is complex, the approval period is long, and the efficiency is low. The enterprise payment is from applying for, examining and approving, verifying, confirming payment, internet bank transfer to finally downloading bank receipt, bookkeeping and account checking, the whole process is extremely complex, a plurality of systems need to be logged in and operated, if the examining and approving person can not examine and approve, the payment can only be suspended, and the efficiency of cooperation of all departments is greatly reduced.
3. Trust issues for payments. In the B2B payment service, the payment settlement amount is usually large, and meanwhile, the transaction period is long, and both parties of the transaction may have a default, so that the risk of the payment is also large, and the transaction dispute cannot be effectively arbitrated.
Disclosure of Invention
The embodiment of the application provides a block chain-based digital RMB payment method, system, medium and equipment, which are used for solving the problems of high cost, low efficiency, complex operation and risk in payment in fund transfer. The technical scheme is as follows:
in one aspect, a block chain-based digital rmb payment method is provided, which is used in a digital rmb payment system including an electronic contract management platform, an intelligent contract platform, a privacy protection platform, a digital rmb payment platform, and a block chain, and the method includes:
the payer and the payee sign the electronic contract in the electronic contract management platform;
the electronic contract management platform encrypts the electronic contract through the privacy protection platform and uploads the encrypted electronic contract to the block chain;
the payee and the payer generate a collection intelligent contract and a reserved payment intelligent contract in the intelligent contract platform according to the electronic contract;
the intelligent contract platform deploys the collection intelligent contracts and the reservation payment intelligent contracts into the blockchain;
when the collection condition specified in the collection intelligent contract is determined to be met, the collection intelligent contract creates a collection order, sends the collection order to the reservation payment intelligent contract, encrypts the collection order through the privacy protection platform and uploads the encrypted collection order to the block chain;
after the payment order is verified by the intelligent contract for reservation payment, initiating payment operation through the digital RMB payment platform so that the payer pays the corresponding amount of digital RMB to the payee;
and the digital RMB payment platform encrypts data generated in the payment process through the privacy protection platform and uploads the data to the block chain.
In one possible implementation, the receiving party and the paying party generate a receiving intelligent contract and a reserved payment intelligent contract in the intelligent contract platform according to the electronic contract, and the method comprises the following steps:
the payee generates a collection rule in the intelligent contract platform according to the electronic contract;
the intelligent contract platform generates a collection intelligent contract according to the collection rule and uploads the collection intelligent contract to the block chain;
after the payer passes the approval of the intelligent contract for collection, the payer generates an appointment payment rule in the intelligent contract platform according to the electronic contract;
the intelligent contract platform generates a reserved payment intelligent contract according to the reserved payment rule and uploads the reserved payment intelligent contract to the block chain;
the intelligent contract platform associates the intelligent contract for collection and the intelligent contract for reserved payment.
In one possible implementation manner, the intelligent contract platform generates a collection intelligent contract according to the collection rule, and the collection intelligent contract comprises:
the intelligent contract platform displays the collection rule to a collection user;
and after receiving the confirmation information triggered by the collection user, the intelligent contract platform generates the collection intelligent contract according to the collection rule.
In one possible implementation manner, the intelligent contract platform generates the reservation payment intelligent contract according to the reservation payment rule, and the method comprises the following steps:
the intelligent contract platform verifies the reserved payment rule according to the electronic contract;
and after the verification is passed, the intelligent contract platform generates the intelligent contract for reservation payment according to the reservation payment rule.
In one possible implementation, the method further includes:
the intelligent contract platform sends a contract address of the intelligent contract to be collected to the payer;
the payer acquires the intelligent contract for collection according to the contract address, and compares the intelligent contract for collection with the electronic contract;
and if the intelligent collection contract is matched with the electronic contract, the payer determines that the intelligent collection contract passes the approval, encrypts an approval result through the privacy protection platform and uploads the approval result to the block chain.
In one possible implementation, the method further includes:
the payee or the payer sends a contract termination application to the electronic contract management platform;
the electronic contract management platform applies for terminating the electronic contract according to the termination contract and sends a contract termination notification to the intelligent contract platform;
the intelligent contract platform terminates the collection intelligent contract and the reserved payment intelligent contract associated with the electronic contract according to the termination contract notice.
In one possible implementation, the payer and payee sign an electronic contract in the electronic contract management platform, including:
the payer or the payee creates a contract template in the electronic contract management platform;
the payer and/or the payee modifies the contract template to obtain a modified electronic contract;
the electronic contract management platform encrypts the modified electronic contract through the privacy protection platform and uploads the encrypted electronic contract to the block chain;
and the payer and the payee sign the modified electronic contract in an electronic seal mode to obtain a final electronic contract.
On one hand, the digital RMB payment system based on the block chain is provided, and comprises an electronic contract management platform, an intelligent contract platform, a privacy protection platform, a digital RMB payment platform and the block chain;
a payer and a payee for signing an electronic contract in the electronic contract management platform;
the electronic contract management platform is used for encrypting the electronic contract through the privacy protection platform and uploading the encrypted electronic contract to the block chain;
the payee and the payer are also used for generating a collection intelligent contract and a reserved payment intelligent contract in the intelligent contract platform according to the electronic contract;
the intelligent contract platform is used for deploying the intelligent contract for collection and the intelligent contract for reserved payment into the block chain;
when the collection condition specified in the collection intelligent contract is determined to be met, the collection intelligent contract is used for creating a collection order, sending the collection order to the reserved payment intelligent contract, encrypting the collection order through the privacy protection platform and uploading the encrypted collection order to the block chain;
the intelligent contract for reservation payment is used for initiating payment operation through the digital RMB payment platform after the verification of the collection order is passed so that the payer pays the corresponding amount of digital RMB to the payee;
and the digital RMB payment platform is used for encrypting data generated in the payment process through the privacy protection platform and uploading the encrypted data to the block chain.
In one aspect, a computer-readable storage medium having at least one instruction stored therein, the at least one instruction being loaded and executed by a processor to implement the method for digital rmb payment based on blockchain as described above is provided.
In one aspect, a computer device is provided that includes a processor and a memory having stored therein at least one instruction that is loaded and executed by the processor to implement a blockchain-based digital rmb payment method as described above.
The technical scheme provided by the embodiment of the application has the beneficial effects that at least:
the block chain is used as a system architecture basis, the contents of the electronic contract and the data in the generating process of the electronic contract, the contents of the intelligent collection contract and the intelligent reserved payment contract and the data in the generating process of the intelligent collection contract and the intelligent reserved payment contract, the data in the payment process of paying the digital RMB according to the intelligent collection contract and the intelligent reserved payment contract and the like are subjected to chain link storage, so that the data are difficult to tamper, each node in the block chain has the same data record backup, a single node has a problem, the whole block chain and the data records cannot be influenced, and the safety of the data is greatly improved.
The business logic of the collection rule and the reserved payment rule in the electronic contract is compiled into the intelligent contract running on the block chain through the block chain technology, the core business logic is set by the intelligent contract, and the intelligent contract is not interfered by the outside and automatically and intelligently executes the business process after reaching the preset condition, so that the business operation process can be greatly simplified, the business automation level is improved, the contract can be automatically fulfilled by two parties signing the contract, and the trust cost of the two parties is reduced. In addition, the collection rule and the reservation payment rule are defined in advance by the intelligent contract and cannot be tampered, and the safety of business operation can be effectively guaranteed. All operation execution traces and execution results are stored on the block chain in a distributed mode, and the tracing data transfer process can be facilitated.
The digital RMB payment platform adopts the digital RMB to pay, the real-time account arrival is not limited by the working time any more, the account transfer has no commission charge and account management cost, the enterprise efficiency is improved, the enterprise operation cost is further reduced, and the payment risk can be reduced. Because the digital RMB is equal to cash, the daily cash amount storage of enterprises can be reduced, and the work load of financial affairs of enterprises on cash storage, account clearing and bookkeeping is further reduced.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the description below are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.
Fig. 1 is a block diagram of a digital rmb payment system based on a blockchain according to an embodiment of the present application;
FIG. 2 is a flow chart of a method for a block chain based digital RMB payment method according to an embodiment of the present application;
FIG. 3 is a schematic diagram of an example of a block chain-based digital RMB payment method according to an embodiment of the present application;
fig. 4 is a block diagram of a digital rmb payment system, a payee, and a payer based on a blockchain according to an embodiment of the present application.
Detailed Description
To make the objects, technical solutions and advantages of the embodiments of the present application more clear, the embodiments of the present application will be further described in detail with reference to the accompanying drawings.
The terms referred to in the present application will be explained first.
The block chain (Blockchain) is essentially a decentralized database, is a string of data blocks which are produced by correlation by using a cryptography method, each data block contains batch transaction information, is used for verifying the validity (anti-counterfeiting) of the information and generating the next block, and has the characteristics of decentralized, non-tampering, trace leaving in the whole process, traceability, collective maintenance, public transparency and the like. The characteristics ensure the honesty and transparency of the block chain and lay a foundation for creating trust for the block chain. And the abundant application scene of block chain basically can solve the information asymmetry problem based on the block chain, and realize the cooperative trust and the consistent action among a plurality of main bodies.
And B2B, namely, the business information is exchanged and transmitted between enterprises in an internet and online-offline combined mode, a business mode of business activities is developed, and fund flow generated in the business activities is B2B payment.
Smart contracts, which are a computer agreement intended to propagate, validate or execute contracts in an informational manner, allow trusted transactions to be conducted without third parties, and ensure that such transactions are traceable and irreversible. The intelligent contract is essentially a computer protocol, contract terms are automatically executed through a predetermined code, manual intervention and third-party mediation are not needed, on one hand, malicious and accidental situations can be reduced, on the other hand, trust costs of two transaction parties can be reduced, and therefore dependence on a trust mediation is reduced.
The following is a description of the structure of the block chain-based digital rmb payment system referred to in the present application.
As shown in fig. 1, the digital rmb payment system includes an electronic contract management platform 110, an intelligent contract platform 120, a privacy protection platform 130, a digital rmb payment platform 140, and a blockchain 150. The electronic contract management platform 110 is connected to the intelligent contract platform 120 and the privacy protection platform 130, the intelligent contract platform 120 is connected to the digital renminbi payment platform 140 and the block chain 150, the digital renminbi payment platform 140 is connected to the privacy protection platform 130, and the privacy protection platform 130 is connected to the block chain 150.
The electronic contract management platform 110 is responsible for uploading, amending, signing, etc. of electronic contracts.
The intelligent contract platform 120 is responsible for managing intelligent contract templates, creating, terminating intelligent contracts, and the like.
The digital RMB payment platform 140 is used for integrating digital RMB payment interfaces of various banks and providing basic payment capability for a digital RMB payment system.
Referring to fig. 2, a flowchart of a block chain-based digital rmb payment method according to an embodiment of the present application is shown, which may be applied to a system including the digital rmb payment system shown in fig. 1. The block chain-based digital RMB payment method can comprise the following steps:
The payer refers to an electronic device or a client used by the payer. The payment user needs to register a payment account in the electronic contract management platform and log in the payment account in the electronic contract management platform.
The payee refers to an electronic device or a client used by the payee. The collection user needs to register a collection account in the electronic contract management platform and log in the collection account in the electronic contract management platform.
After the payer and the payee log in the electronic contract management platform, the two parties can sign the electronic contract in the electronic contract management platform. Specifically, a payer or a payee creates a contract template in the electronic contract management platform; the payer and/or the payee modifies the contract template to obtain a modified electronic contract; the electronic contract management platform encrypts the modified electronic contract through the privacy protection platform and uploads the encrypted electronic contract to the block chain; and the payer and the payee sign the modified electronic contract in an electronic seal mode to obtain a final electronic contract.
Wherein, the contract template can be created by the payer and also can be created by the payee. The payer and the payee can negotiate and modify based on the contract template, and the electronic contract management platform encrypts and uploads the modified electronic contract each time to the block chain through the privacy protection platform, so that the traceability and the non-repudiation of operation and data are ensured. It should be noted that the electronic contract that is not yet signed is uploaded here.
And after the payer and the payee determine that the modified electronic contract is correct, signing the modified electronic contract in an electronic seal mode to obtain a final electronic contract, wherein the electronic contract has a unique contract number.
After the electronic contract is signed, the electronic contract management platform sends the signed electronic contract to the privacy protection platform, the privacy protection platform encrypts the electronic contract, and the encrypted electronic contract is uploaded to the block chain for evidence storage.
And step 203, the payee and the payer generate a collection intelligent contract and a reserved payment intelligent contract in the intelligent contract platform according to the electronic contract.
The intelligent contract for collecting money is an intelligent contract generated according to the money collecting rule and is responsible for the money collecting operation in the business process. The intelligent contract for reserved payment is an intelligent contract generated according to the reserved payment rule and is responsible for the reserved payment operation in the business process.
Specifically, the generation of the intelligent contract for collection and the intelligent contract for reserved payment comprises the following substeps:
(1) The payee generates a collection rule in the intelligent contract platform according to the electronic contract.
The collection rule may specify a specific payment date, a payment amount (or a payment ratio), a payer account, a payment method, a contract code, a default fund calculation method, and the like. The payer account here may be a digital rmb account that the payer applies for in a banking system.
(2) And the intelligent contract platform generates a collection intelligent contract according to the collection rule and uploads the collection intelligent contract to the block chain.
In this embodiment, before the intelligent contract platform generates the intelligent contract for collection, the intelligent contract platform needs to manually confirm the collection rule. Specifically, the intelligent contract platform generates the intelligent contract according to the collection rule, and the intelligent contract generation method may include: the intelligent contract platform displays a collection rule to a collection user; and after receiving confirmation information triggered by the collection user, the intelligent contract platform generates a collection intelligent contract according to collection rules.
The intelligent contract platform can fill the collection rule into the contract template to obtain the collection intelligent contract.
And the intelligent contract platform uploads the intelligent contract to be collected to the block chain for evidence storage.
(3) And after the payer passes the approval of the intelligent contract for collection, the payer generates an appointed payment rule in the intelligent contract platform according to the electronic contract.
The generated intelligent contract for collection needs to be approved by the payer, and can be operated after the approval is passed. Specifically, the intelligent contract platform sends a contract address for receiving the intelligent contract to the payer; the payer acquires a collection intelligent contract according to the contract address, and compares the collection intelligent contract with the electronic contract; and if the intelligent collection contract is matched with the electronic contract, the payer determines that the intelligent collection contract passes the approval, encrypts the approval result through the privacy protection platform and uploads the result to the block chain.
When the intelligent collection contract is compared with the electronic contract, the payer can detect whether a collection rule in the intelligent collection contract is matched with the electronic contract or not, and if the collection rule is matched with the electronic contract, an approval result passing the approval is generated; and if not, generating an examination result that the examination and approval is not passed.
After the approval is passed, the payer can generate the reservation payment rule in the intelligent contract platform according to the electronic contract. The reservation payment rule can specify specific reservation payment date, reservation payment amount, payee account, payment mode and the like. The payee account here may be a digital rmb account that the receiving user applies for in the banking system.
(4) And the intelligent contract platform generates a reserved payment intelligent contract according to the reserved payment rule and uploads the reserved payment intelligent contract to the block chain.
The intelligent contract platform can fill the appointment payment rule into the contract template to obtain the appointment payment intelligent contract.
After generating the intelligent contract for reservation payment, the intelligent contract platform also needs to confirm the intelligent contract for reservation payment. Specifically, the intelligent contract platform checks the reservation payment rule according to the electronic contract; after the verification is passed, the intelligent contract platform generates an intelligent contract for reservation payment according to the reservation payment rule.
When the reservation payment rule is verified, the intelligent contract platform can detect whether the reservation payment rule in the reservation payment intelligent contract is matched with the electronic contract or not, and if the reservation payment rule is matched with the electronic contract, the verification is determined to be passed; if not, the verification is determined not to pass. And the intelligent contract platform encrypts the verification result through the privacy protection platform and uploads the verification result to the block chain for evidence storage.
And the intelligent contract platform uploads the intelligent contract for reservation payment to the block chain for evidence storage.
(5) The intelligent contract platform associates the intelligent contract for collection and the intelligent contract for reserved payment.
The intelligent contract platform can associate the address of the intelligent contract for collection, the intelligent contract for reserved payment and the contract number.
And step 204, the intelligent contract platform deploys the intelligent contract for collection and the intelligent contract for reservation and payment into the block chain.
The intelligent contract platform needs to detect whether a collection rule in the collection intelligent contract is consistent with a reserved payment rule in the reserved payment intelligent contract or not, and if so, the collection intelligent contract and the reserved payment intelligent contract are deployed into a block chain; if not, not deploying.
And step 205, when the collection condition specified in the collection intelligent contract is determined to be met, the collection intelligent contract creates a collection order, sends the collection order to the reserved payment intelligent contract, encrypts the collection order through the privacy protection platform and uploads the encrypted collection order to the block chain.
The intelligent contract can detect whether the collection condition specified in the intelligent contract is met or not in real time; if yes, triggering a money collection operation; if not, the detection is continued. For example, the collection condition is that the first payment is completed by 1000 yuan in 6, month and 8 days in 2022, and on 6, month and 8 days in 2022, the collection intelligent contract determines that the collection condition is reached and triggers collection operation.
In particular, the intelligent contract for collection can automatically create a collection order and send the collection order to the reserved payment contract. The collection order may include order creation time, order number, payer account, contract code, and liquidated money calculation method.
The intelligent contract for collection also needs to send a collection order to the privacy protection platform, the privacy protection platform encrypts the collection order, and the encrypted collection order is uploaded to the block chain for storage.
And step 206, after the checking of the reserved payment intelligent contract on the collection order is passed, initiating a payment operation through the digital RMB payment platform so that the payer pays the corresponding amount of digital RMB to the payee.
A subscription payment intelligence contract requires verification of the collection order. For example, the intelligent contract for reservation payment can detect whether the order creation time meets the collection condition, and detect whether the information of a collector, a collector account, a contract number, a default fund calculation mode and the like is accurate; if the order creation time meets the collection condition and the information in the collection order is accurate, the collection order is verified to be passed; if the order creation time is determined not to meet the collection conditions or the information in the collection order is inaccurate, the collection order is not verified.
After the check of the reserved payment intelligent contract on the collection order is passed, the reserved payment intelligent contract automatically initiates payment operation to the digital RMB payment platform, and the digital RMB payment platform calls a bank system to automatically finish payment so that the payer pays the corresponding amount of digital RMB to the payee. Therefore, the payment process can be controlled by the intelligent contract to be completed, manual operation and intervention are greatly reduced in the whole process, the preset conditions that both parties reach the agreement are reached, the payment action is automatically executed and completed, the operation efficiency of enterprises is further improved, and the progress of enterprise digital transformation is accelerated.
And step 207, the digital RMB payment platform encrypts data generated in the payment process through the privacy protection platform and uploads the data to the block chain.
The digital RMB payment platform needs to store operation data, order data and payment data of the whole payment process into the block chain network through the privacy protection platform in an encrypted manner. The private data of the enterprise are protected by adopting an elliptic curve encryption algorithm, the enterprise data are encrypted and transmitted, and the related data information of the enterprise can be checked only after authorization, so that the data security is improved.
In this embodiment, the payer or payee may also terminate the electronic contract and the intelligent contract. Specifically, the payee or the payer sends a contract termination application to the electronic contract management platform; the electronic contract management platform applies for terminating the electronic contract according to the termination contract and sends a contract termination notification to the intelligent contract platform; the intelligent contract platform terminates the collection intelligent contract and the reserved payment intelligent contract associated with the electronic contract according to the termination contract notification.
In summary, the digital renminbi payment method based on the block chain provided by the embodiment of the application uses the block chain as a system architecture base, and performs chain link storage on the content of the electronic contract and the data in the generation process thereof, the content of the intelligent collection contract and the intelligent reserved payment contract and the data in the generation process thereof, the data in the payment process of paying the digital renminbi according to the intelligent collection contract and the intelligent reserved payment contract, and the like, so that the data is difficult to be tampered, each node in the block chain has the same data record backup, a single node has a problem, the whole block chain and the data record cannot be influenced, and the data security is greatly improved.
The business logic of the collection rule and the reserved payment rule in the electronic contract is compiled into the intelligent contract running on the block chain through the block chain technology, the core business logic is set by the intelligent contract, and the intelligent contract is not interfered by the outside and automatically and intelligently executes the business process after reaching the preset condition, so that the business operation process can be greatly simplified, the business automation level is improved, the contract can be automatically fulfilled by two parties signing the contract, and the trust cost of the two parties is reduced. In addition, the collection rule and the reservation payment rule are defined in advance by the intelligent contract and cannot be tampered, and the safety of business operation can be effectively guaranteed. All operation execution traces and execution results are stored on the block chain in a distributed mode, and the process of data circulation of the traceability can be facilitated.
The digital RMB payment platform adopts the digital RMB to pay, real-time account arrival is not limited by working time any more, account transfer has no commission and account management cost, the efficiency of enterprises is improved, the operation cost of the enterprises is further reduced, and the payment risk can be reduced. Because the digital RMB is equal to cash, the daily cash amount storage of enterprises can be reduced, and the work load of financial affairs of enterprises on cash storage, account clearing and bookkeeping is further reduced.
Referring to fig. 3, an example of a block chain based digital rmb payment method is shown, and the payment process is as follows:
1. the payment enterprise A and the collection enterprise B sign the electronic contract at the electronic contract management platform.
2. And the electronic contract management platform links the electronic contract through the privacy protection platform.
3. Collection enterprise B creates a collection intelligence contract.
4. Payment enterprise a approves the intelligent contract for collection.
5. Payment enterprise a creates a subscription payment intelligence contract.
6. The intelligent contract is collected to execute the contract.
7. The intelligent contract for reservation payment calls the digital RMB payment platform to pay.
8. And the digital RMB payment platform calls a digital RMB interface of a bank to transfer the digital RMB.
9. The bank initiates the transfer of the digital RMB, and the wallet of the payment enterprise A transfers a certain amount of the digital RMB to the wallet of the collection enterprise B.
10. And the digital RMB payment platform links the data in the payment process through the privacy protection platform.
According to the method and the system, based on the block chain and the digital RMB technology, the intelligent contract running on the block chain is adopted to automatically, safely and efficiently execute the payment action according to the preset conditions, the fund can be used in the operations of orientation, quota and timing, the payment intelligentization is improved, the trust cost of both sides of the transaction is reduced, and meanwhile, the internal efficiency of each enterprise is further improved. The payment mode uses the digital RMB to pay, is not limited by time, can pay at any time within 7 multiplied by 24 hours, settles accounts immediately after payment, arrives at account in real time, ensures the traceability of funds, creatively solves the requirements of enterprises on convenience, rapidness, high efficiency and safety of B2B payment, has no commission charge and account management charge in the payment process, and further reduces the operation cost of enterprises. In addition, the enterprise information, the contract data, the payment data and the order data are linked, so that the authenticity, reliability, traceability and tamper resistance of the data are guaranteed.
Referring to fig. 4, a block diagram of a block chain-based digital rmb payment system provided in an embodiment of the present application is shown, which may include an electronic contract management platform 410, an intelligent contract platform 420, a privacy protection platform 430, a digital rmb payment platform 440, and a block chain 450;
the electronic contract management platform 410 is used for encrypting the electronic contract through the privacy protection platform 430 and uploading the encrypted electronic contract to the block chain 450;
the payee 470 and the payer 460 are further configured to generate a collection intelligent contract and a reserved payment intelligent contract in the intelligent contract platform 420 according to the electronic contract;
an intelligent contract platform 420 for deploying the intelligent contracts collected and the intelligent contracts reserved for payment into the blockchain 450;
when the collection condition specified in the collection intelligent contract is determined to be met, the collection intelligent contract is used for creating a collection order, sending the collection order to the reserved payment intelligent contract, encrypting the collection order through the privacy protection platform 430 and uploading the encrypted collection order to the block chain 450;
a reserved payment intelligent contract for initiating a payment operation through the digital renminbi payment platform 440 after the check of the payment order is passed, so that the payer 460 pays the corresponding amount of digital renminbi to the payee 470;
and the digital RMB payment platform 440 is used for uploading data generated in the payment process to the blockchain 450 after encrypting the data through the privacy protection platform 430.
In an optional embodiment, payee 470 is also configured to generate a collection rule in intelligent contract platform 420 according to the electronic contract;
the intelligent contract platform 420 is further configured to generate a collection intelligent contract according to the collection rule, and upload the collection intelligent contract to the block chain 450;
after the payer 460 passes the approval of the intelligent contract for collection, the payer 460 is further configured to generate an appointment payment rule in the intelligent contract platform 420 according to the electronic contract;
the intelligent contract platform 420 is further used for generating a reserved payment intelligent contract according to the reserved payment rule and uploading the reserved payment intelligent contract to the block chain 450;
and the intelligent contract platform 420 is also used for associating the intelligent contract for collection and the intelligent contract for reserved payment.
In an optional embodiment, the intelligent contract platform 420 is further configured to:
displaying a collection rule to a collection user;
and after receiving confirmation information triggered by the collection user, generating a collection intelligent contract according to a collection rule.
In an alternative embodiment, intelligent contract platform 420 is further configured to:
checking the reserved payment rule according to the electronic contract;
and after the verification is passed, generating a reserved payment intelligent contract according to the reserved payment rule.
In an alternative embodiment, intelligent contract platform 420 is further configured to send a contract address for receiving an intelligent contract to payer 460;
the payer 460 is also used for obtaining a collection intelligent contract according to the contract address and comparing the collection intelligent contract with the electronic contract;
if the intelligent contract for collection matches the electronic contract, the payer 460 is also used to determine that the intelligent contract for collection passes the approval, encrypts the approval result through the privacy protection platform 430, and uploads the result to the block chain 450.
In an alternative embodiment, the payee 470 or payer 460 is also configured to send the termination contract application to the electronic contract management platform 410;
the electronic contract management platform 410 is further used for applying for terminating the electronic contract according to the termination contract and sending a contract termination notification to the intelligent contract platform 420;
In an alternative embodiment, the payer 460 or payee 470, is also used to create a contract template in the electronic contract management platform 410;
the payer 460 and/or the payee 470 are also used for modifying the contract template to obtain a modified electronic contract;
the electronic contract management platform 410 is further configured to encrypt the modified electronic contract through the privacy protection platform 430 and upload the encrypted electronic contract into the block chain 450;
the payer 460 and the payee 470 are also used to sign the modified electronic contract by means of electronic seal to obtain the final electronic contract.
In summary, the digital renminbi payment system based on the block chain provided in the embodiment of the present application uses the block chain as a system architecture basis, and performs uplink storage on the content of the electronic contract and the data in the generation process thereof, the content of the intelligent contract for collection and the intelligent contract for reservation payment and the data in the generation process thereof, and the data in the payment process of paying the digital renminbi according to the intelligent contract for collection and the intelligent contract for reservation payment, so that the data is difficult to be tampered, and each node in the block chain has a same data record backup, and a single node has a problem, and the whole block chain and the data records are not affected, thereby greatly improving the security of the data.
The business logic of the collection rule and the reserved payment rule in the electronic contract is compiled into the intelligent contract running on the block chain through the block chain technology, the core business logic is set by the intelligent contract, and the intelligent contract is not interfered by the outside and automatically and intelligently executes the business process after reaching the preset condition, so that the business operation process can be greatly simplified, the business automation level is improved, the contract can be automatically fulfilled by two parties signing the contract, and the trust cost of the two parties is reduced. In addition, the collection rule and the reservation payment rule are defined in advance by the intelligent contract and cannot be tampered, and the safety of business operation can be effectively guaranteed. All operation execution traces and execution results are stored on the block chain in a distributed mode, and the process of data circulation of the traceability can be facilitated.
The digital RMB payment platform adopts the digital RMB to pay, real-time account arrival is not limited by working time any more, account transfer has no commission and account management cost, the efficiency of enterprises is improved, the operation cost of the enterprises is further reduced, and the payment risk can be reduced. Because the digital RMB is equal to cash, the daily cash amount storage of enterprises can be reduced, and the work load of financial affairs of enterprises on cash storage, account clearing and bookkeeping is further reduced.
One embodiment of the present application provides a computer-readable storage medium having stored therein at least one instruction, which is loaded and executed by a processor to implement a blockchain-based digital rmb payment method as described above.
One embodiment of the present application provides a computer device comprising a processor and a memory, the memory having stored therein at least one instruction, the instruction being loaded and executed by the processor to implement the blockchain-based digital rmb payment method as described above.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The above description should not be taken as limiting the embodiments of the present application, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the embodiments of the present application should be included in the scope of the embodiments of the present application.
Claims (10)
1. A block chain-based digital RMB payment method is used in a digital RMB payment system comprising an electronic contract management platform, an intelligent contract platform, a privacy protection platform, a digital RMB payment platform and a block chain, and comprises the following steps:
the payer and the payee sign the electronic contract in the electronic contract management platform;
the electronic contract management platform encrypts the electronic contract through the privacy protection platform and uploads the encrypted electronic contract to the block chain;
the payee and the payer generate a collection intelligent contract and a reserved payment intelligent contract in the intelligent contract platform according to the electronic contract;
the intelligent contract platform deploys the collection intelligent contracts and the reserved payment intelligent contracts into the blockchain;
when the collection condition specified in the collection intelligent contract is determined to be met, the collection intelligent contract creates a collection order, sends the collection order to the reservation payment intelligent contract, encrypts the collection order through the privacy protection platform and uploads the encrypted collection order to the block chain;
after the payment order is verified by the intelligent contract for reservation payment, initiating payment operation through the digital RMB payment platform so that the payer pays the corresponding amount of digital RMB to the payee;
and the digital RMB payment platform encrypts data generated in the payment process through the privacy protection platform and uploads the encrypted data to the block chain.
2. The blockchain-based digital rmb payment method of claim 1, wherein the payee and the payer generate a receipt smart contract and a reserved payment smart contract in the smart contract platform according to the electronic contract, comprising:
the payee generates a collection rule in the intelligent contract platform according to the electronic contract;
the intelligent contract platform generates a collection intelligent contract according to the collection rule and uploads the collection intelligent contract to the block chain;
after the payer passes the approval of the intelligent contract for collection, the payer generates an appointment payment rule in the intelligent contract platform according to the electronic contract;
the intelligent contract platform generates a reserved payment intelligent contract according to the reserved payment rule and uploads the reserved payment intelligent contract to the block chain;
the intelligent contract platform associates the intelligent contract for collection and the intelligent contract for reserved payment.
3. The blockchain-based digital rmb payment method of claim 2, wherein the intelligent contract platform generates a receive intelligent contract according to the receive rules, comprising:
the intelligent contract platform displays the collection rule to a collection user;
and after receiving the confirmation information triggered by the collection user, the intelligent contract platform generates the collection intelligent contract according to the collection rule.
4. The blockchain-based digital rmb payment method of claim 2, wherein the intelligent contract platform generates a subscription payment intelligent contract according to the subscription payment rule, comprising:
the intelligent contract platform verifies the reserved payment rule according to the electronic contract;
and after the verification is passed, the intelligent contract platform generates the intelligent contract for reservation payment according to the reservation payment rule.
5. The blockchain-based digital rmb payment method of claim 2, further comprising:
the intelligent contract platform sends a contract address of the intelligent contract to be collected to the payer;
the payer acquires the intelligent contract for collection according to the contract address, and compares the intelligent contract for collection with the electronic contract;
and if the intelligent contract for collection is matched with the electronic contract, the payer determines that the intelligent contract for collection passes the examination and approval, encrypts the examination and approval result through the privacy protection platform and uploads the encrypted examination and approval result to the block chain.
6. The blockchain-based digital rmb payment method of claim 1, further comprising:
the payee or the payer sends a contract termination application to the electronic contract management platform;
the electronic contract management platform applies for terminating the electronic contract according to the termination contract and sends a contract termination notification to the intelligent contract platform;
the intelligent contract platform terminates the collection intelligent contract and the reserved payment intelligent contract associated with the electronic contract according to the termination contract notice.
7. The blockchain-based digital rmb payment method according to any one of claims 1 to 6, wherein the payer and the payee sign an electronic contract in the electronic contract management platform, including:
the payer or the payee creates a contract template in the electronic contract management platform;
the payer and/or the payee modifies the contract template to obtain a modified electronic contract;
the electronic contract management platform encrypts the modified electronic contract through the privacy protection platform and uploads the encrypted electronic contract to the block chain;
and the payer and the payee sign the modified electronic contract in an electronic seal mode to obtain a final electronic contract.
8. A block chain-based digital RMB payment system is characterized in that the digital RMB payment system comprises an electronic contract management platform, an intelligent contract platform, a privacy protection platform, a digital RMB payment platform and a block chain;
a payer and a payee for signing an electronic contract in the electronic contract management platform;
the electronic contract management platform is used for encrypting the electronic contract through the privacy protection platform and uploading the encrypted electronic contract to the block chain;
the payee and the payer are also used for generating a collection intelligent contract and a reserved payment intelligent contract in the intelligent contract platform according to the electronic contract;
the intelligent contract platform is used for deploying the intelligent collecting contracts and the intelligent reserved payment contracts into the block chain;
when the collection condition specified in the collection intelligent contract is determined to be met, the collection intelligent contract is used for creating a collection order, sending the collection order to the reserved payment intelligent contract, encrypting the collection order through the privacy protection platform and uploading the encrypted collection order to the block chain;
the intelligent contract for reservation payment is used for initiating payment operation through the digital RMB payment platform after the verification of the collection order is passed so that the payer pays the corresponding amount of digital RMB to the payee;
and the digital RMB payment platform is used for encrypting data generated in the payment process through the privacy protection platform and uploading the encrypted data to the block chain.
9. A computer-readable storage medium having stored therein at least one instruction, which is loaded and executed by a processor, to implement the blockchain-based digital rmb payment method according to any one of claims 1 to 7.
10. A computer device comprising a processor and a memory, the memory having stored therein at least one instruction that is loaded and executed by the processor to implement the blockchain-based digital rmb payment method of any one of claims 1 to 7.
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| CN202211128667.0A CN115526617A (en) | 2022-09-16 | 2022-09-16 | Block chain-based digital RMB payment method, system, medium and equipment |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115809873A (en) * | 2023-01-20 | 2023-03-17 | 北京中科江南信息技术股份有限公司 | Safe transaction method and system based on digital RMB |
| CN116416065A (en) * | 2023-04-13 | 2023-07-11 | 广州佳禾科技股份有限公司 | Cloud chain label system and method based on block chain |
| CN116757684A (en) * | 2023-05-11 | 2023-09-15 | 北京中科江南信息技术股份有限公司 | Digital RMB payment method and device based on intelligent contract |
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- 2022-09-16 CN CN202211128667.0A patent/CN115526617A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115809873A (en) * | 2023-01-20 | 2023-03-17 | 北京中科江南信息技术股份有限公司 | Safe transaction method and system based on digital RMB |
| CN116416065A (en) * | 2023-04-13 | 2023-07-11 | 广州佳禾科技股份有限公司 | Cloud chain label system and method based on block chain |
| CN116757684A (en) * | 2023-05-11 | 2023-09-15 | 北京中科江南信息技术股份有限公司 | Digital RMB payment method and device based on intelligent contract |
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