CN117391851A - Digital RMB transaction management method and system for enterprise users - Google Patents

Digital RMB transaction management method and system for enterprise users Download PDF

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CN117391851A
CN117391851A CN202311092338.XA CN202311092338A CN117391851A CN 117391851 A CN117391851 A CN 117391851A CN 202311092338 A CN202311092338 A CN 202311092338A CN 117391851 A CN117391851 A CN 117391851A
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transaction
user
scheme
information
current
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王晓云
耿永玲
孙贞
李奔
陈志刚
李曦
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Guoneng Beijing Business Network Co ltd
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Guoneng Beijing Business Network Co ltd
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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • 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
    • 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

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Abstract

The embodiment of the invention provides a method and a system for managing digital RMB transactions of enterprise users, belonging to the technical field of digital RMB. The method comprises the following steps: acquiring user request information, and determining a transaction scheme of a user based on the user request information; generating a verification scheme adapting to the current user based on the transaction scheme, and carrying out identity verification on the current user based on the verification scheme; and after the identity verification is passed, opening the corresponding digital RMB account use authority for the current user based on the transaction scheme, and accounting based on a pre-constructed settlement blockchain. According to the scheme, accounting is performed based on the preset blockchain, so that the departments and management transaction information of a large enterprise are automatically synchronized, shopping convenience of staff of the enterprise is guaranteed, and meanwhile, effective management of transaction behaviors of the enterprise is realized.

Description

Digital RMB transaction management method and system for enterprise users
Technical Field
The invention relates to the technical field of digital RMB, in particular to a digital RMB transaction management method of enterprise users and a digital RMB transaction management system of enterprise users.
Background
Along with the progress of enterprise management intelligence, a great deal of practical technological breakthroughs have been developed for meeting the convenience of work and life of enterprise staff. Especially large enterprises, because of the numerous sub-companies, departments and employees, want to implement such huge numbers of personnel and rights management, which themselves need to be considered. In enterprise management, transactions are frequently considered, and the transaction in the enterprise of staff is large in proportion to the operation of the enterprise and the convenience of life and work of the staff, whether the personal transaction convenience of the staff is met or the purchasing plan in the operation and maintenance process of the enterprise is met.
Further with the development of data processing technology and the development of internet technology, more and more business models are shifted to digital businesses, and digital renminbi is proposed to accommodate such digital conversion. The digital RMB is legal currency in an issued digital form, is participated in operation by a designated operation mechanism and is exchanged to the public, supports a loose coupling function of a bank account based on a generalized account system, is equivalent to paper money coins, has value characteristics and decompensation, and supports controllable anonymity. In order to realize deep fusion with digital RMB in the future, a plurality of large enterprises are currently provided with self-service shopping systems which are open to enterprise users or common users and can carry out autonomous shopping in the shopping systems. In order to meet the purchasing demands of enterprises, corresponding cooperative merchants can enter the enterprises, and each department can realize more convenient purchasing activities by utilizing the shopping system which is built independently. In the enterprise with very wide application scene, how to conveniently realize the digital RMB transaction and accounting of the user double identity through the double identity management of the common consumer and the enterprise consumer of enterprise personnel, and no corresponding technical scheme exists at present. Based on this, there is a need to create a new method for managing digital renminbi transactions for enterprise users.
Disclosure of Invention
The embodiment of the invention aims to provide a digital RMB transaction management method and system for enterprise users, which at least solve the problem that the prior art cannot solve the problem that the dual purchase identities of the enterprise users are used for carrying out digital RMB transaction management.
To achieve the above object, a first aspect of the present invention provides a digital renminbi transaction management method for an enterprise user, the method comprising: acquiring user request information, and determining a transaction scheme of a user based on the user request information; generating a verification scheme adapting to the current user based on the transaction scheme, and carrying out identity verification on the current user based on the verification scheme; and after the identity verification is passed, opening the corresponding digital RMB account use authority for the current user based on the transaction scheme, and accounting based on a pre-constructed settlement blockchain.
Optionally, the user request information includes: user identity information, user department information, user position information, user transaction target information.
Optionally, the transaction target information includes: private article information and purchase article information.
Optionally, the determining the transaction scheme of the user based on the user request information includes: if the user transaction target information is private article information, determining a first transaction scheme; and if the user transaction target information is the purchased article information, checking the transaction target of the current user based on the user identity information, the user department information and the user position information, and determining a second transaction scheme after the checking is passed.
Optionally, the digital RMB use account of the first transaction scheme is the private account of the current user; the private account performs transaction settlement based on the first blockchain; the digital RMB use account of the second transaction scheme is a public account of the department where the current user is located; the public account settles transactions based on the second blockchain.
Optionally, the generating an authentication scheme adapted to the current user based on the transaction scheme, and performing identity authentication on the current user based on the authentication scheme includes: user identity verification based on a settlement blockchain constructed by a current enterprise comprises the following steps: when the current scheme is a first transaction scheme, carrying out identity verification on personal information of a user based on the first blockchain; the user personal information includes: fingerprint information, face information and one or more of preset keys; and when the current scheme is a second transaction scheme, carrying out identity verification on preset department purchase plan information and user position information based on the first blockchain.
Optionally, the opening the corresponding digital rmb account usage rights for the current user based on the transaction scheme, and accounting based on the pre-constructed settlement blockchain includes: checking the fund legitimacy of the digital RMB account corresponding to the settlement of the current transaction scheme; and after the fund validity checking is passed, carrying out corresponding required fund deduction based on the current transaction scheme, simultaneously uploading transaction details to corresponding settlement blockchains by the current digital RMB account and the sales room account, and simultaneously accounting by all accounting nodes in the blockchains.
Optionally, the verifying the validity of the digital rmb account corresponding to the settlement of the current transaction scheme includes: checking whether the current digital RMB account is in a supervision state, and if so, failing to pass the checking legitimacy check of the current digital RMB account; otherwise, continuing to identify the public payment system account in the current digital RMB account docking, and judging whether the public payment system account is legal or not; and when the public payment system account is legal, judging that the current digital RMB account legitimacy check passes.
A second aspect of the present invention provides a digital rmb transaction management system for an enterprise user, the system including: the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring user request information and determining a transaction scheme of a user based on the user request information; the processing unit is used for generating a verification scheme suitable for the current user based on the transaction scheme and carrying out identity verification on the current user based on the verification scheme; and the accounting unit is used for opening the corresponding digital RMB use authority for the current user based on the transaction scheme after the identity verification is passed, and accounting based on a pre-constructed accounting blockchain.
In another aspect, the present invention provides a computer readable storage medium having instructions stored thereon, which when run on a computer cause the computer to perform the above-described method for managing digital renminbi transactions for enterprise users.
Through the technical scheme, the user identity is automatically checked based on the transaction request of the user through the double consumer identities of the enterprise user, and the corresponding digital wallet use permission is opened for the user after the check is passed, so that the effective execution of the subsequent transaction is ensured. After the transaction is completed, accounting is performed based on a preset blockchain, so that the automatic synchronization of departments and management transaction information of large enterprises is realized, the shopping convenience of staff of the enterprises is ensured, and meanwhile, the effective management of the transaction behaviors of the enterprises is realized.
Additional features and advantages of embodiments of the invention will be set forth in the detailed description which follows.
Drawings
The accompanying drawings are included to provide a further understanding of embodiments of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain, without limitation, the embodiments of the invention. In the drawings:
FIG. 1 is a flow chart of steps of a method for managing a digital RMB transaction of an enterprise user according to an embodiment of the invention;
FIG. 2 is a system configuration diagram of a system for managing digital RMB transactions of enterprise users according to an embodiment of the invention.
Detailed Description
The following describes specific embodiments of the present invention in detail with reference to the drawings. It should be understood that the detailed description and specific examples, while indicating and illustrating the invention, are not intended to limit the invention.
Along with the progress of enterprise management intelligence, a great deal of practical technological breakthroughs have been developed for meeting the convenience of work and life of enterprise staff. Especially large enterprises, because of the numerous sub-companies, departments and employees, want to implement such huge numbers of personnel and rights management, which themselves need to be considered. In enterprise management, transactions are frequently considered, and the transaction in the enterprise of staff is large in proportion to the operation of the enterprise and the convenience of life and work of the staff, whether the personal transaction convenience of the staff is met or the purchasing plan in the operation and maintenance process of the enterprise is met.
Further with the development of data processing technology and the development of internet technology, more and more business models are shifted to digital businesses, and digital renminbi is proposed to accommodate such digital conversion. The digital RMB is legal currency in an issued digital form, is participated in operation by a designated operation mechanism and is exchanged to the public, supports a loose coupling function of a bank account based on a generalized account system, is equivalent to paper money coins, has value characteristics and decompensation, and supports controllable anonymity. In order to realize deep fusion with digital RMB in the future, a plurality of large enterprises are currently provided with self-service shopping systems which are open to enterprise users or common users and can carry out autonomous shopping in the shopping systems. In order to meet the purchasing demands of enterprises, corresponding cooperative merchants can enter the enterprises, and each department can realize more convenient purchasing activities by utilizing the shopping system which is built independently. In the enterprise with very wide application scene, how to conveniently realize the digital RMB transaction and accounting of the user double identity through the double identity management of the common consumer and the enterprise consumer of enterprise personnel, and no corresponding technical scheme exists at present.
Aiming at the defects of the prior art, the scheme of the invention provides a digital RMB transaction management method for enterprise users, which automatically carries out user identity verification based on the transaction request of the users by double consumer identities of the enterprise users, and opens corresponding digital wallet use rights for the users after the verification is passed, thereby ensuring effective execution of subsequent transactions. After the transaction is completed, accounting is performed based on a preset blockchain, so that the automatic synchronization of departments and management transaction information of large enterprises is realized, the shopping convenience of staff of the enterprises is ensured, and meanwhile, the effective management of the transaction behaviors of the enterprises is realized.
FIG. 1 is a flow chart of a method for managing a digital RMB transaction of an enterprise user according to an embodiment of the invention. As shown in FIG. 1, the embodiment of the invention provides a method for managing digital RMB transactions of enterprise users, which comprises the following steps:
step S10: and acquiring user request information, and determining a transaction scheme of the user based on the user request information.
Specifically, in order to realize popularization of the digital RMB, the shopping system built by a part of large enterprises at present is settled by the digital RMB, and for the present, because the digital RMB needs to be settled by a specially arranged account, the core requirement for the shopping behavior on the shopping system is the use of the digital RMB wallet. For enterprise users, because enterprise users have both common shopping behaviors for self-demand and purchasing behaviors based on job demand, enterprise users have two shopping identities. How to ensure that enterprise users realize convenient purchasing behavior through a digital RMB autonomous shopping system, and simultaneously meet the self-shopping demands of the users without increasing the purchasing difficulty of the users.
Based on the above, the solution of the present invention is to solve the above problem, and the core premise is to distinguish whether the current shopping behavior of the user is a functional shopping behavior or an autonomous shopping behavior. Based on this, the user first needs to upload his own shopping request information. Preferably, the user request information includes: user identity information, user department information, user position information, user transaction target information. Wherein the transaction target information includes: private article information and purchase article information.
In the embodiment of the invention, the private article information and the purchase article information are distinguished, on one hand, the current transaction target can be automatically judged through the department information and the user position information of the user, and if the current transaction target is the purchase plan target of the current department, the current transaction target can be automatically determined to be the purchase article information. Of course, in order to avoid recognition errors, the modification authority of the user is reserved, namely, the user can modify the transaction target information based on own requirements. By distinguishing private article information from purchase article information, user interest information can be well identified. Because the purchase identities of the current users are different, the content of interest is somewhat different. For example, if the current user is an autonomous shopping behavior, the store information pushed for the current user is a store of which the target client is a common user, and the corresponding evaluation information is initiated by the common user. When the user is used as a buyer to make shopping, the information of the suppliers cooperated with the enterprise is limited to be pushed, and then the corresponding evaluation and display information is also focused on the characteristic display of the article rather than the overweight effect display.
Step S20: and generating a verification scheme adapting to the current user based on the transaction scheme, and carrying out identity verification on the current user based on the verification scheme.
Specifically, the determining the transaction scheme of the user based on the user request information includes: if the user transaction target information is private article information, determining a first transaction scheme; and if the user transaction target information is the purchased article information, checking the transaction target of the current user based on the user identity information, the user department information and the user position information, and determining a second transaction scheme after the checking is passed.
In the embodiment of the invention, when the user is independent shopping for different shopping demands, the shopping method is different from the common electronic commerce shopping method, and only the settlement method is changed into digital personal currency. For enterprise purchase planning, because it is an enterprise requirement, its settlement account should be the corporate account of the enterprise. When the enterprise staff has double identities, the enterprise staff is indicated to have the authority of using two accounts, and in order to avoid the enterprise staff from impersonating purchasing, the public accounts are used for personal purchasing behavior. Namely a first transaction scenario oriented towards personal shopping needs and a second transaction scenario oriented towards purchasing needs.
Preferably, the digital RMB use account of the first transaction scheme is the private account of the current user; the private account is settled based on a first blockchain; the digital RMB use account of the second transaction scheme is a public account of the department where the current user is located; the public account is settled based on a second blockchain.
In the embodiment of the invention, the block chain is a chain formed by blocks, each block stores certain information, and the blocks are connected into the chain according to the time sequence generated by each block. This chain is kept in all servers, and the entire blockchain is secure as long as one server in the entire system can work. These servers, referred to as nodes in the blockchain system, provide storage space and computational support for the entire blockchain system. If the information in the blockchain is to be modified, it is necessary to sign consent of more than half of the nodes and modify the information in all the nodes, which are usually held in different subject hands, so it is an extremely difficult thing to tamper with the information in the blockchain. Compared with the traditional network, the blockchain has two main core characteristics: firstly, the data is difficult to tamper, and secondly, the data is decentralised. Based on the two characteristics, the information recorded by the blockchain is more real and reliable.
In order to ensure supervision of enterprise user transaction behaviors and facilitate subsequent financial management of enterprise public accounts, the scheme of the invention constructs accounting nodes of digital RMB transactions based on blockchains. Thus, the possibility that enterprise users impersonate purchasing behavior to use public accounts is avoided. Further, different settlement blockchains are arranged, so that the purchasing behavior of the user can be monitored while the autonomous purchasing behavior of the user is not influenced. Because the settlement block chains belong to different settlement block chains, the user information is not exposed due to the public settlement block chains when the user performs autonomous shopping, and the security of private information of the user is ensured. Through different settlement blockchains, the user can be ensured to complete the transaction effectively when independently shopping and purchasing.
Preferably, the generating a verification scheme adapted to the current user based on the transaction scheme, and performing identity verification on the current user based on the verification scheme, includes: user identity verification based on a settlement blockchain constructed by a current enterprise comprises the following steps: when the current scheme is a first transaction scheme, carrying out identity verification on personal information of a user based on the first blockchain; the user personal information includes: fingerprint information, face information and one or more of preset keys; and when the current scheme is a second transaction scheme, carrying out identity verification on preset department purchase plan information and user position information based on the first blockchain.
In the embodiment of the invention, in order to improve the use satisfaction of users, the digital RMB settlement mode management of enterprise users is the most ideal scheme on the premise of not changing the use habit of the users. Online shopping has evolved over the years, and people have developed their own online shopping habits. Therefore, if it is desired to realize popularization of shopping behavior of enterprise users in the system for conducting digital RMB transaction, it is necessary to preserve shopping habits of users. Based on the above, when the current shopping requirement of the user is identified as the personal shopping requirement, the identity verification is performed through the traditional personal information of the user, such as fingerprint information, face information and preset keys.
And when a purchase transaction needs to be performed, the current purchase scheme needs to be audited based on the purchase plan because effective management of enterprise finances needs to be ensured. When each department purchases, whether the purchasing is regularly performed for a long time or temporarily performed, approval is necessarily performed to an upper level, and the corresponding system can collect the purchasing plan of the department. And then checking the purchase object information initiated by the current user, judging whether the purchase object information exists in the purchase plan or not, and checking whether the purchase quantity is required to be checked to meet the purchase technology or not, wherein the checking is passed when the purchase target is matched with the purchase plan. Further, the department information and the position information of the current user are required to be checked, whether the current purchasing authority exists or not is judged, and the transaction is opened after the purchasing plan and the purchasing authority pass the checking.
Step S30: and after the identity verification is passed, opening the corresponding digital RMB account use authority for the current user based on the transaction scheme, and accounting based on a pre-constructed settlement blockchain.
Specifically, checking the fund legitimacy of the digital RMB account corresponding to the settlement of the current transaction scheme; and after the fund validity checking is passed, carrying out corresponding required fund deduction based on the current transaction scheme, simultaneously uploading transaction details to corresponding settlement blockchains by the current digital RMB account and the sales room account, and simultaneously accounting by all accounting nodes in the blockchains.
In the embodiment of the invention, settlement is performed through the blockchain, on one hand, because the digital RMB is very suitable for the settlement mode of the blockchain, and on the other hand, the subsequent financial management convenience is required to be ensured. Based on the block chain constructed by the enterprise shopping system, a plurality of accounting nodes are preset, and synchronous accounting is carried out through the plurality of nodes when different departments carry out purchasing planning. The account can be prevented from being maliciously tampered, the transaction details of all departments can be automatically integrated, the collection and arrangement can be automatically realized, and the follow-up financial management is facilitated.
Preferably, the verifying the validity of the digital RMB account corresponding to the settlement of the current transaction scheme includes: checking whether the current digital RMB account is in a supervision state, and if so, failing to pass the checking legitimacy check of the current digital RMB account; otherwise, continuing to identify the public payment system account in the current digital RMB account docking, and judging whether the public payment system account is legal or not; and when the public payment system account is legal, judging that the current digital RMB account legitimacy check passes.
In the embodiment of the invention, because the current digital RMB account needs to transfer the digital RMB flow to the corresponding enterprise user digital RMB account through the public payment system account, such as a bank account or other online payment account. Firstly, whether the current digital RMB account is in a supervision state (such as an account freezing state caused by transaction violation) needs to be judged, when no supervision condition exists, whether the fund source in the current digital RMB account is a legal public payment system account needs to be checked, and when the current digital RMB account and the current digital RMB account pass through the public payment system account, the current transaction fund is legal, and the subsequent transaction can be executed. In this way, the security and legitimacy of the digital RMB transaction are improved.
FIG. 2 is a system configuration diagram of a system for managing digital RMB transactions of enterprise users according to an embodiment of the invention. As shown in FIG. 2, the embodiment of the invention provides a digital RMB transaction management system for enterprise users, which comprises: the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring user request information and determining a transaction scheme of a user based on the user request information; the processing unit is used for generating a verification scheme suitable for the current user based on the transaction scheme and carrying out identity verification on the current user based on the verification scheme; and the accounting unit is used for opening the corresponding digital RMB use authority for the current user based on the transaction scheme after the identity verification is passed, and accounting based on a pre-constructed accounting blockchain.
Specifically, in order to realize popularization of the digital RMB, the shopping system built by a part of large enterprises at present is settled by the digital RMB, and for the present, because the digital RMB needs to be settled by a specially arranged account, the core requirement for the shopping behavior on the shopping system is the use of the digital RMB wallet. For enterprise users, because enterprise users have both common shopping behaviors for self-demand and purchasing behaviors based on job demand, enterprise users have two shopping identities. How to ensure that enterprise users realize convenient purchasing behavior through a digital RMB autonomous shopping system, and simultaneously meet the self-shopping demands of the users without increasing the purchasing difficulty of the users.
Based on the above, the solution of the present invention is to solve the above problem, and the core premise is to distinguish whether the current shopping behavior of the user is a functional shopping behavior or an autonomous shopping behavior. Based on this, the user first needs to upload his own shopping request information. Preferably, the user request information includes: user identity information, user department information, user position information, user transaction target information. Wherein the transaction target information includes: private article information and purchase article information.
In order to ensure supervision of enterprise user transaction behaviors and facilitate subsequent financial management of enterprise public accounts, the scheme of the invention constructs accounting nodes of digital RMB transactions based on blockchains. Thus, the possibility that enterprise users impersonate purchasing behavior to use public accounts is avoided. Further, different settlement blockchains are arranged, so that the purchasing behavior of the user can be monitored while the autonomous purchasing behavior of the user is not influenced. Because the settlement block chains belong to different settlement block chains, the user information is not exposed due to the public settlement block chains when the user performs autonomous shopping, and the security of private information of the user is ensured. Through different settlement blockchains, the user can be ensured to complete the transaction effectively when independently shopping and purchasing.
The embodiment of the invention also provides a computer readable storage medium, wherein the computer readable storage medium stores instructions which when run on a computer cause the computer to execute the digital RMB transaction management method of the enterprise user.
Those skilled in the art will appreciate that all or part of the steps in a method for implementing the above embodiments may be implemented by a program stored in a storage medium, where the program includes several instructions for causing a single-chip microcomputer, chip or processor (processor) to perform all or part of the steps in a method according to the embodiments of the invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
The alternative embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the embodiments of the present invention are not limited to the specific details of the above embodiments, and various simple modifications may be made to the technical solutions of the embodiments of the present invention within the scope of the technical concept of the embodiments of the present invention, and all the simple modifications belong to the protection scope of the embodiments of the present invention. In addition, the specific features described in the above embodiments may be combined in any suitable manner without contradiction. In order to avoid unnecessary repetition, the various possible combinations of embodiments of the invention are not described in detail.
In addition, any combination of the various embodiments of the present invention may be made, so long as it does not deviate from the idea of the embodiments of the present invention, and it should also be regarded as what is disclosed in the embodiments of the present invention.

Claims (10)

1. A method for managing digital renminbi transactions for enterprise users, the method comprising:
acquiring user request information, and determining a transaction scheme of a user based on the user request information;
generating a verification scheme adapting to the current user based on the transaction scheme, and carrying out identity verification on the current user based on the verification scheme;
and after the identity verification is passed, opening the corresponding digital RMB account use authority for the current user based on the transaction scheme, and accounting based on a pre-constructed settlement blockchain.
2. The method of claim 1, wherein the user request information comprises:
user identity information, user department information, user position information, user transaction target information.
3. The method of claim 2, wherein the transaction objective information comprises:
private article information and purchase article information.
4. The method of claim 3, wherein the determining a transaction scheme for a user based on the user request information comprises:
if the user transaction target information is private article information, determining a first transaction scheme;
and if the user transaction target information is the purchased article information, checking the transaction target of the current user based on the user identity information, the user department information and the user position information, and determining a second transaction scheme after the checking is passed.
5. The method of claim 4, wherein the digital rennet usage account of the first transaction arrangement is a private account of the current user;
the private account performs transaction settlement based on the first blockchain;
the digital RMB use account of the second transaction scheme is a public account of the department where the current user is located;
the public account settles transactions based on the second blockchain.
6. The method of claim 5, wherein generating an authentication scheme for the current user based on the transaction scheme and authenticating the current user based on the authentication scheme comprises:
user identity verification based on a settlement blockchain constructed by a current enterprise comprises the following steps:
when the current scheme is a first transaction scheme, carrying out identity verification on personal information of a user based on the first blockchain;
the user personal information includes:
fingerprint information, face information and one or more of preset keys;
and when the current scheme is a second transaction scheme, carrying out identity verification on preset department purchase plan information and user position information based on the first blockchain.
7. The method of claim 5, wherein the opening the corresponding digital rennet account usage rights for the current user based on the transaction scheme and billing based on the pre-built settlement blockchain comprises:
checking the fund legitimacy of the digital RMB account corresponding to the settlement of the current transaction scheme;
and after the fund validity checking is passed, carrying out corresponding required fund deduction based on the current transaction scheme, simultaneously uploading transaction details to corresponding settlement blockchains by the current digital RMB account and the sales room account, and simultaneously accounting by all accounting nodes in the blockchains.
8. The method of claim 7, wherein the legitimacy audit of the digital rennet account corresponding to the settlement of the current transaction arrangement comprises:
checking whether the current digital RMB account is in a supervision state, and if so, failing to pass the checking legitimacy check of the current digital RMB account;
otherwise, continuing to identify the public payment system account in the current digital RMB account docking, and judging whether the public payment system account is legal or not;
and when the public payment system account is legal, judging that the current digital RMB account legitimacy check passes.
9. A digital rennet transaction management system for an enterprise user, the system comprising:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring user request information and determining a transaction scheme of a user based on the user request information;
the processing unit is used for generating a verification scheme suitable for the current user based on the transaction scheme and carrying out identity verification on the current user based on the verification scheme;
and the accounting unit is used for opening the corresponding digital RMB use authority for the current user based on the transaction scheme after the identity verification is passed, and accounting based on a pre-constructed accounting blockchain.
10. A computer readable storage medium having instructions stored thereon, which when run on a computer causes the computer to perform the method of digital rennet transaction management for an enterprise user as claimed in any one of claims 1 to 8.
CN202311092338.XA 2023-08-28 2023-08-28 Digital RMB transaction management method and system for enterprise users Pending CN117391851A (en)

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