TW202345070A - System and method for digital asset managing - Google Patents

Abstract

A digital asset managing system is adaptive to implement a digital asset managing method. The digital asset managing method includes a digital voucher managing procedure relating to one kind of specific digital voucher, and a specialized fund managing procedure relating to one kind of specific specialized fund. By implementing the digital asset managing method, the digital asset managing system is able to accomplish the production, distribution, transaction management and redemption of said specific digital voucher, and to accomplish the production, distribution, transaction management and conversion of said specific specialized fund.

Description

Systems and methods for digital asset management

The present invention relates to a management system, and in particular, to a digital asset management system suitable for digital coupon circulation management. The present invention also relates to a digital asset management method implemented by a digital asset management system.

In a modern society where electronic payments are becoming more and more popular, how to manage digital assets circulating in the market has become an issue worth discussing.

One of the objects of the present invention is to provide a digital asset management system.

The digital asset management system of the present invention includes a storage unit and a processing unit electrically connected to the storage unit. The storage unit stores a business party identification data, a consumer party identification data, a pair of business party wallet accounts corresponding to the business party identification data, and a pair of consumer wallet accounts corresponding to the consumer party identification data. The processing unit is configured to, after receiving a digital coupon transaction execution request including the business party identification information, the consumer identification information and a checkout amount and granting the digital coupon transaction execution request, process a transaction that matches the checkout amount. The digital coupon transaction funds whose payment attribute is a specific digital coupon are transferred from the consumer's wallet account to the business party's wallet account, and after the processing unit transfers the digital voucher transaction funds to the business party's wallet account, when the When the processing unit receives a digital voucher redemption request for the business party's wallet account, the processing unit generates a digital voucher redemption payment with a payment attribute of a specific digital currency based on the digital voucher redemption request, and generates a digital voucher redemption payment based on the digital voucher. The redemption amount updates a business party's currency balance and a business party's digital coupon balance contained in the business party's wallet account, and the business party's currency balance and the business party's digital voucher balance respectively represent the specific currency balance in the business party's wallet account. The balance of digital currency and that specific digital coupon.

In some implementations of the digital asset management system of the present invention, if the digital voucher redemption request received by the processing unit is a full redemption request, the processing unit updates the currency balance of the business party and the digital voucher of the business party The balance method includes accumulating the currency balance of the business party by a redemption amount consistent with the balance of the business party's digital coupons, and returning the balance of the business party's digital coupons to zero. If the digital voucher redemption request received by the processing unit is a partial redemption request that includes a specified redemption amount that is less than the balance of the business party's digital voucher, the processing unit updates the business party's currency balance and the business party's digital currency balance. The method of calculating the coupon balance includes adding the currency balance of the business party to a redemption amount that is consistent with the designated redemption amount, and deducting the redemption amount from the digital voucher balance of the business party.

In some implementations of the digital asset management system of the present invention, the storage unit also stores a digital coupon eligible acceptance list, and after receiving the digital coupon transaction execution request, the processing unit first determines the execution of the digital coupon transaction. Whether the request meets the eligible transaction conditions of a digital coupon, and if the judgment result is yes, the digital coupon transaction execution request is granted, and if the judgment result is no, the digital coupon transaction execution request is rejected, wherein the digital coupon eligible transaction conditions include the The business party identification information in the digital coupon transaction execution request exists in the digital coupon eligible recipient list.

In some implementations of the digital asset management system of the present invention, the digital asset management system belongs to a management organization, and the processing unit is suitable for electrically connecting multiple financial servers belonging to multiple financial service institutions, and Suitable for a business party belonging to a business institution to be electrically connected to the processing unit itself through one of the financial servers, and the processing unit is received by the business through one of the financial servers. The digital coupon redemption request sent by the user.

The present invention also provides another digital asset management system.

Another digital asset management system of the present invention includes a storage unit and a processing unit electrically connected to the storage unit. The storage unit stores a consumer identification data and a pair of consumer wallet accounts corresponding to the consumer identification data. The processing unit is used to, when it is determined that a special fund reserve amount with a payment attribute of a specific digital currency already exists in a special fund production wallet account, based on a special fund designated production amount and the special fund reserve fund Generate a special-purpose fund in the special-purpose wallet account that meets the specified amount of the special-purpose fund and the attribute of the payment is a specific special-purpose fund. The processing unit is also used to allocate the amount from the special-purpose fund according to the designated amount of the special-purpose fund. Separate a special fund distribution amount from the special fund production system that meets the designated allocation amount of the special fund, and transfer the special fund distribution fund from the special fund production wallet account to the consumer wallet according to a special fund allocation list account.

In some implementation aspects of another digital asset management system of the present invention, the method for the processing unit to generate the special fund production includes deducting the special fund reserve balance contained in the special fund production wallet account from the special fund reserve balance. The designated production amount of the special fund is added to the designated production amount of the special fund by adding the special fund balance contained in the special fund wallet account. The processing unit transfers the special fund allocation from the special fund production wallet account to the consumer wallet account by deducting the special fund designated allocation amount from the balance of the special fund, and deducting the amount contained in the consumer wallet account. The balance of a consumer's special fund is accumulated to the designated allocation amount of the special fund.

In some implementations of another digital asset management system of the present invention, the storage unit also stores a business party identification data, a pair of business party wallet accounts corresponding to the business party identification data, a special fund eligible receipt list, and a List of eligible goods. After the processing unit transfers the special fund allocation to the consumer's wallet account, when the processing unit receives a message including the business party identification information, the consumer identification information, one or more product identification information and a checkout When a special fund transaction execution request is made, the processing unit determines whether the special fund transaction execution request meets the eligible transaction conditions for a special fund, and approves the special fund transaction execution request when the judgment result is yes, and approves the special fund transaction execution request when the judgment result is no. Reject the special funds transaction execution request, wherein the eligible transaction conditions for the special funds transaction include that the identification information of the business party in the special funds transaction execution request exists in the special funds eligible receipt list, and each of the special funds transaction execution requests A product identification data exists in the eligible product list.

Another object of the present invention is to provide a digital asset management method.

The digital asset management method of the present invention is implemented by a digital asset management system. The digital asset management system stores a business party identification data, a consumer party identification data, a pair of business party wallet accounts corresponding to the business party identification data, and a pair of consumer party identification data. Consumer wallet account with party identification data. The digital asset management method includes: after the digital asset management system receives a digital coupon transaction execution request including the business party identification information, the consumer identification information and a checkout amount and approves the digital coupon transaction execution request, A digital coupon transaction amount that matches the checkout amount and the payment attribute is a specific digital coupon is transferred from the consumer's wallet account to the business party's wallet account; the digital coupon transaction funds are transferred to the business party in the digital asset management system After the third party's wallet account, when the digital asset management system receives a digital voucher redemption request for the business party's wallet account, the digital asset management system generates a payment attribute of a specific digital currency based on the digital voucher redemption request. The digital voucher redemption amount is transferred to the business party's wallet account, and the business party's currency balance and the business party's currency balance included in the business party's wallet account are updated based on the amount of the digital voucher redemption payment. The balance of digital coupons, and the currency balance of the business party and the digital coupon balance of the business party respectively represent the balance of the specific digital currency and the specific digital voucher in the wallet account of the business party.

In some implementation aspects of the digital asset management method of the present invention, if the digital coupon redemption request received by the digital asset management system is a full redemption request, the digital asset management system updates the currency balance of the business party and the The method of adjusting the balance of the business party's digital coupons includes accumulating the currency balance of the business party by a redemption amount consistent with the balance of the business party's digital vouchers, and returning the balance of the business party's digital vouchers to zero. If the digital voucher redemption request received by the digital asset management system is a partial redemption request that includes a designated redemption amount that is less than the balance of the business party's digital vouchers, the digital asset management system updates the currency balance of the business party and The balance of the digital coupon of the business party includes adding the currency balance of the business party to a redemption amount that is consistent with the designated redemption amount, and deducting the redemption amount from the balance of the digital voucher of the business party.

In some implementation aspects of the digital asset management method of the present invention, the digital asset management system also stores a digital coupon eligible acceptance list, and after receiving the digital coupon transaction execution request, the digital asset management system first determines the digital coupon transaction execution request. Whether the digital coupon transaction execution request meets the eligible transaction conditions of a digital coupon, and if the judgment result is yes, the digital coupon transaction execution request is granted, and if the judgment result is no, the digital coupon transaction execution request is rejected, wherein the digital coupon is eligible The transaction conditions include that the business party identification information in the digital coupon transaction execution request exists in the digital coupon eligible acceptance list.

In some implementation aspects of the digital asset management method of the present invention, the digital asset management system belongs to a management organization, and the processing unit is suitable for electrically connecting multiple financial servers belonging to multiple financial service institutions, and Suitable for a business party belonging to a business institution to be electrically connected to the processing unit itself through one of the financial servers, and the processing unit is received by the business through one of the financial servers. The digital coupon redemption request sent by the user.

The present invention also provides another digital asset management method.

Another digital asset management method of the present invention is implemented by a digital asset management system that stores a consumer identification data and a pair of consumer wallet accounts corresponding to the consumer identification data. The digital asset management method includes: when the digital asset management system determines that there is already a special fund reserve fund in a special fund wallet account with a property attribute of a specific digital currency, the digital asset management system specifies the production amount based on a special fund. And the special fund reserve fund generates a special fund production amount in the special fund production wallet account that meets the designated production amount of the special fund and the attribute of the money is a specific special fund; the digital asset management system is based on a special fund The designated allocation amount is split from the special fund production funds into a special fund allocation amount that conforms to the designated allocation amount of the special fund, and the special fund distribution funds are withdrawn from the special fund production wallet account according to a special fund allocation list Transfer to the consumer's wallet account.

In some implementation aspects of another digital asset management method of the present invention, the method for the digital asset management system to generate the special fund includes generating a special fund reserve balance contained in the wallet account. The designated production amount of the special fund is deducted, and the designated production amount of the special fund is accumulated from the balance of the special fund included in the wallet account of the special fund. The method by which the digital asset management system transfers the special fund allocation from the special fund production wallet account to the consumer wallet account includes deducting the special fund designated allocation amount from the balance of the special fund, and transferring the special fund allocation amount to the consumer wallet account. The included balance of a consumer's special fund is accumulated to the designated allocation amount of the special fund.

In some implementation aspects of another digital asset management method of the present invention, the digital asset management system also stores a business party identification data, a business party wallet account corresponding to the business party identification data, and a special fund eligible receipt list. and a list of eligible goods. After the digital asset management system transfers the special fund allocation to the consumer's wallet account, when the digital asset management system receives a message containing the business party identification information, the consumer identification information, and one or more product identification information and a special fund transaction execution request with a settlement amount, the digital asset management system determines whether the special fund transaction execution request meets the eligible transaction conditions for a special fund, and approves the special fund transaction execution request when the judgment result is yes, and Refuse the special funds transaction execution request when the judgment result is no, where the eligible transaction conditions for the special funds transactions include that the business party identification information in the special funds transaction execution request exists in the special funds eligible receipt list, and the special funds transaction execution request Each commodity identification data in the transaction execution request is present in the list of eligible commodities.

The effect of the present invention is that one of the digital asset management systems and methods provided by the present invention can realize the transaction management and redemption operations of this specific digital voucher, and can enable the business institution corresponding to the business party's identification data to checkout The specific digital coupons received are instantly converted into specific digital currencies. Another digital asset management system and method provided by the present invention can realize the production and distribution of such specific special funds.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are designated with the same numbering. Moreover, if not specifically defined, the "electrical connection" described in this patent specification generally refers to the "wired electrical connection" achieved by connecting multiple electronic devices/devices/components to each other through conductive materials, as well as through wireless communication. Technology for "radio connection" for one-way/two-way wireless signal transmission. Furthermore, if not specifically defined, the "electrical connection" described in this patent specification also generally refers to the "direct electrical connection" formed by multiple electronic devices/devices/components being directly connected to each other, as well as multiple electronic devices / Devices / components are also indirectly connected to each other through other electronic equipment / devices / components to form an "indirect electrical connection".

Referring to FIG. 1 , a first embodiment of the digital asset management system 1 of the present invention is, for example, managed by a management organization 10 , and the digital asset management system 1 is used for the management organization 10 according to the information issued by a sponsoring organization 60 To achieve the management of a variety of specific digital assets through entrustment.

In this embodiment, the specific digital assets managed by the digital asset management system 1 are, for example, a specific digital currency, a specific digital voucher (DV for short), and a specific special money. To be more specific, in this embodiment, the specific digital currency is, for example, a central bank digital currency (Central Bank Digital Currency, CBDC for short) that is a legal currency, but it is not limited to this. The specific digital coupon is, for example, an electronic securities with a validity period, and is produced by the management agency 10 using the digital asset management system 1 according to the entrustment of the sponsoring agency 60, and is issued to consumers in digital form. or use. The specific special money is, for example, an electronic currency with a useful life, and is produced by the management agency 10 using the digital asset management system 1 according to the entrustment of the sponsoring agency 60, and is issued to consumers in digital form. or use. It should be added that in this embodiment, this specific special fund is equivalent to a central bank digital currency (i.e., CBDC) with additional usage conditions, and the usage condition restrictions may, for example, include restrictions on the types of consumer goods, but It is not limited to this.

Based on the above, the digital asset management system 1 in this embodiment is equivalent to a system that implements digital coupons and special funds on the CBDC platform. However, in other embodiments, the digital asset management system 1 can also be used only to manage the specific digital currency and the specific digital coupon, and is equivalent to a system that implements digital coupons on the CBDC platform, or the digital asset The management system 1 can also be used only to manage the specific digital currency and the specific special funds, and is equivalent to a system that implements special funds on the CBDC platform.

In the application environment of this embodiment, the management agency 10 may be, for example, a financial regulatory agency responsible for managing multiple financial service institutions 20 (only one of which is shown in FIG. 1 ). On the other hand, the sponsoring agency 60 may be, for example, It is a government agency, but it can also be a private enterprise agency, for example. To be more specific, the management agency 10 may be, for example, a central bank, and the financial service institutions 20 managed by the management agency 10 may be, for example, a plurality of commercial banks. However, in different application environments of this embodiment, the management agency 10 may also be, for example, a government agency, or a private enterprise agency appointed by a government agency. Therefore, the management agency 10 is not a financial institution as described in this embodiment. Limited to regulatory agencies.

In this embodiment, the entire digital asset management system 1 is implemented as a server device, and the digital asset management system 1 includes, for example, a storage unit 11 and a processing unit 12 electrically connected to the storage unit 11 . The storage unit 11 is, for example, a storage device with a digital data storage function, and may be implemented as a traditional hard drive, a solid state drive, or a hard drive array including a plurality of traditional hard drives and/or solid state drives. The processing unit 12 is, for example, a processing device with data computing and processing functions, and may include, for example, one or more central processing units. It is supplementary to note that in other embodiments, the digital asset management system 1 may also be implemented as a plurality of server devices that are electrically connected to each other, and the storage unit 11 may also be implemented as a server device respectively included in the server devices. A set of multiple storage devices, and the processing unit 12 can also be implemented as a set of multiple processing devices respectively included in the server equipment. Therefore, the entire digital asset management system 1, the storage unit 11 and The implementation of the processing unit 12 is not limited to this embodiment.

In this embodiment, the processing unit 12 is, for example, suitable for providing multiple financial server terminals 2 (only one of which is shown in Figure 1), multiple business party user terminals 3 (only one of which is shown in Figure 1), multiple Two consumer terminals 4 (only one of which is shown in Figure 1) and an intermediary server terminal 5 are electrically connected through the network. Among them, the financial servers 2 belong to the financial service institutions 20 respectively managed by the management institution 10, for example. The business user terminals 3 belong to multiple business organizations 30, for example. Each business organization 30 can be, for example, a physical store, and each business user terminal 3 can be, for example, a mobile device or a computer device. The consumer applications 4 belong to multiple consumers 40 , for example, and each consumer application 4 can be, for example, a mobile device or a computer device. The intermediary server 5 belongs to, for example, an intermediary institution 50 between the sponsoring institution 60 and the management institution 10, and the intermediary institution 50 may be, for example, served by one of the financial service institutions 20, Therefore, the intermediary server 5 itself can be, for example, one of the financial servers 2 at the same time, but is not limited thereto.

In order to facilitate description and understanding, the following mainly uses the financial server 2, the business user end 3, the consumer user end 4, the financial service institution 20, the business institution 30 and the consumer shown in Figure 1. Figure 40 explains this embodiment. In the application environment of this embodiment, the financial service institution 20 can assist the business institution 30 in completing the redemption of the specific digital coupon. Moreover, the "redemption" mentioned in this embodiment refers to the business institution 30 redeeming the specific digital coupon. The specific digital coupons owned by 30 can be exchanged for the equivalent value of the specific digital currency.

Referring to FIG. 2 , in this embodiment, the storage unit 11 stores, for example, a qualified recipient institution information D11 , a digital coupon setting account D12 belonging to the management institution 10 itself, and a service provider identification of the financial service institution 20 . Data D21, a pair of service provider wallet accounts D22 belonging to the financial service institution 20 in response to the service provider identification data D2, a pair of business party identification data D31 corresponding to the business institution 30, and a pair of business party identification data D31 belonging to the business institution 30 The business organization's wallet account D32, a pair of consumer identification data D41 corresponding to the consumer 40, and a pair of consumer wallet accounts D42 belonging to the consumer 40 corresponding to the consumer identification data D41.

In this embodiment, the eligible recipient information D11 includes, for example, a digital coupon eligible recipient list L1 and a special money eligible recipient list L2. The digital coupon eligible acceptance list L1 is used to record all business institutions 30 that are qualified to accept this specific type of digital coupon, and includes, for example, multiple eligible business institution codes, and each eligible business institution code may, for example, correspond to The unique identification number of the business organization 30 (such as a unified number, but not limited to this). In other words, the digital coupon eligible acceptance list L1 is a list of all business institutions 30 that are allowed to accept this specific type of digital coupon. On the other hand, the list L2 of qualified recipients of special funds is used to record all business institutions 30 that are qualified to receive this specific kind of special funds, and for example, includes multiple other qualified business institution codes. In other words, the list L2 of qualified recipients of special funds List L2 is a list of business institutions 30 that are allowed to receive this specific type of special funds. It should be added that the eligible business institution code in the digital coupon eligible receiving list L1 may be, for example, the same as the eligible business institution code in the special fund eligible receiving list L2. Take the business institution 30 shown in FIG. 1 as an example. That is to say, assuming that the business institution 30 is allowed to accept this specific type of digital coupons and is also allowed to accept this specific type of special funds, then the business institution code corresponding to the business institution 30 will be included in the eligible acceptance of the digital coupons. List L1 and the list L2 of eligible recipients of the special funds.

The digital coupon setting account D12 is, for example, used for the processing unit 12 to generate a digital coupon production amount. The specific method for the processing unit 12 to generate the digital coupon production amount will be described later.

The service provider identification data D21 is, for example, unique identification data that can indicate the financial service institution 20 in FIG. 1 , and may be implemented as a unified number of the financial service institution 20 , but is not limited to this. The service provider wallet account D22 is, for example, established by the management institution 10 based on the application of the financial service institution 20, and the service provider wallet account D22 is equivalent to a specific digital currency used by the financial service institution 20 to store it. Specific digital coupons and specific electronic wallets. More specifically, the server wallet account D22 includes, for example, a server currency balance D221, a server digital coupon balance D222, and a server special fund balance D223. Moreover, the service provider's currency balance D221, the service provider's digital coupon balance D222, and the service provider's special fund balance D223 respectively represent the specific digital currency, the specific digital coupon, and the specific digital currency in the service provider's wallet account D22. The balance of specific special funds.

On the other hand, the business party identification data D31 is, for example, unique identification data that can indicate the business organization 30 in FIG. 1, and can be implemented as a unified number of the business organization 30, but is not limited to this. . The business party wallet account D32 is, for example, established by the management agency 10 based on the application of the business organization 30, and the business party wallet account D32 is equivalent to a specific digital currency, a specific digital currency owned by the business organization 30, which is stored in the business organization 30. Digital coupons and specially designed electronic wallets. More specifically, the business party wallet account D32 includes, for example, a business party currency balance D321, a business party digital coupon balance D322, and a business party special fund balance D323. Moreover, the business party's currency balance D321, the business party's digital coupon balance D322, and the business party's special fund balance D323 respectively represent the specific digital currency, the specific digital coupon, and the specific digital currency in the business party's wallet account D32. The balance of specific special funds.

On the other hand, the consumer identification data D41 is, for example, the unique identification data that can indicate the consumer 40 in Figure 1, and can be implemented as the ID card number of the consumer 40, but it is not used as an identification number. limit. The consumer wallet account D42 is, for example, established by the management agency 10 based on the application of the consumer 40 , and the consumer wallet account D42 is equivalent to a specific digital currency, a specific digital currency owned by the consumer 40 . Digital coupons and specially designed electronic wallets. More specifically, the merchant's wallet account D32 includes, for example, a consumer's currency balance D421, a consumer's digital coupon balance D422, and a consumer's special money balance D423. Similarly, the consumer's currency balance D421, the consumer's digital coupon balance D422, and the consumer's special fund balance D423 respectively represent the specific digital currency, the specific digital coupon and the specific digital currency in the consumer's wallet account D42. The balance of a specific special fund.

It should be supplemented that since this embodiment is mainly explained using the financial service institution 20, the business institution 30 and the consumer 40 shown in Figure 1, only the financial service institution 20 and the consumer 40 are shown in Figure 2. The corresponding service party identification data D21 and the service party wallet account D22, the business party identification data D31 and the business party wallet account D32 corresponding to the business institution 30, and the consumer party identification data D41 corresponding to the consumer 40 and the consumer’s wallet account D42. It should be understood that in the actual implementation of this embodiment, the storage unit 11 also stores, for example, a plurality of other service provider identification data and another plurality of service provider wallet accounts respectively corresponding to a plurality of different financial service institutions. , corresponding to multiple other business party identification data and multiple other business party wallet accounts, respectively corresponding to multiple other different business institutions, and multiple additional consumer party identification data and multiple other consumer purchases respectively corresponding to multiple different consumers. Party wallet account.

In the application environment of this embodiment, taking the business user terminal 3 in Figure 1 as an example, if the business party user terminal 3 wants to establish a communication electrical connection with the processing unit 12, then the operation of the business party user terminal 3 For example, first run a client application program issued by the financial service institution 20, and log in to the financial server 2 with a user account pre-established by the financial service institution 20 for the business institution 30, and then through The financial server 2 logs into the digital asset management system 1 using the business party's wallet account D32, thereby establishing a communication connection relationship between the business party's user terminal 3 and the processing unit 12. Similarly, taking the consumer user terminal 4 in Figure 1 as an example, if the consumer user terminal 4 wants to establish a communication electrical connection with the processing unit 12, the operation method of the consumer user terminal 4, for example, is to first run The client application uses another user account pre-established by the financial service institution 20 for the consumer 40 to log in to the financial server 2, and then logs in to the consumer wallet account D42 through the financial server 2. The digital asset management system 1 thereby establishes a communication connection relationship between the consumer terminal 4 and the processing unit 12 . It should be added that although the business user terminal 3 and the consumer user terminal 4 are electrically connected to the processing unit 12 through the financial server terminal 2 in the application environment of this embodiment, however, in this embodiment In some application environments, the management organization 10 may also issue a management application on its own, so that the business user 3 and the consumer user 4 can log in to the management application by running the management application. The digital asset management system 1 directly establishes a communication electrical connection with the processing unit 12, and does not necessarily establish communication with the processing unit 12 through the financial server 2.

The following mainly takes the business user terminal 3, the consumer user terminal 4, the business institution 30 and the consumer 40 in Figure 1 as an example, and illustrates how the digital asset management system 1 of this embodiment implements a digital asset. management methods.

In this embodiment, the digital asset management method includes, for example, a digital coupon management program and a special fund management program. The digital coupon management program is used to enable the digital asset management system 1 to implement the management of a specific digital coupon. management, and the digital coupon management procedure is performed, for example, on the premise that the management agency 10 agrees to the digital coupon setting application submitted by the sponsoring agency 60. On the other hand, the special fund management program is used to enable the digital asset management system 1 to manage the specific special fund, and the special fund management program is, for example, when the management agency 10 agrees to the proposal proposed by the sponsoring agency 60 It is carried out on the premise of applying for the establishment of special funds.

Based on the above, the digital asset management method in this embodiment is equivalent to a method of realizing digital coupons and special funds on the CBDC platform. However, in other embodiments, the digital asset management method may also only include the digital coupon management program, which is equivalent to a method of realizing digital coupons on the CBDC platform, or the digital asset management method may only include the dedicated fund. Management program, which is equivalent to a method of implementing special funds on the CBDC platform.

Referring to Figures 1 and 2 and in conjunction with Figure 3, the digital coupon management program of this embodiment will be described below.

First, in step S11 , the processing unit 12 obtains a digital coupon setting data, and, for example, stores the digital coupon setting data in the storage unit 11 . Among them, the digital coupon setting data includes, for example, a designated production amount of digital coupons determined by the sponsoring organization 60, a designated distribution amount of digital coupons determined by the sponsoring organization 60, and a consumer identification number including multiple to be distributed. Digital coupon distribution list of data, but not limited to this.

In this embodiment, the designated production amount of digital coupons represents, for example, the total amount of specific digital coupons that the sponsoring organization 60 intends to issue (for example, 60 million yuan). The specified distribution amount of the digital coupon represents, for example, the amount of a specific digital coupon to be distributed to a single consumer (for example, 600 yuan). Each consumer identification data to be distributed in the digital coupon distribution list may be, for example, the unique identification data of a consumer (such as ID card number, but is not limited to this). It is supplementary to note that in this embodiment, the processing unit 12 receives the digital coupon setting data from the intermediary server 5, for example. However, in other embodiments, the processing unit 12 may also receive the digital coupon setting data according to a user ( For example, the digital coupon setting data is generated through manual operations of employees working at the management agency 10, the intermediary agency 50 or the sponsoring agency 60. Therefore, the way in which the processing unit 12 obtains the digital coupon setting data is not in this implementation. Examples are limited. In addition, for the convenience of explanation, it is assumed here that one of the consumer identification data to be distributed in the digital coupon distribution list is the same as the consumer identification data D41 stored in the storage unit 11. In other words, the consumer 40 in Figure 1 The corresponding consumer identification data D41 is, for example, included in the digital coupon distribution list.

After the processing unit 12 obtains the digital coupon setting data, the process proceeds to step S12.

In step S12, the processing unit 12 generates a payment in the digital coupon setting account D12 according to the designated production amount of the digital coupon in the digital coupon setting data that conforms to the designated production amount of the digital coupon and the payment attribute is the specific digital coupon. Digital coupon production system money. Furthermore, the processing unit 12 generates the digital coupon production amount in the digital coupon setting account D12 by, for example, adding the digital coupon designated distribution amount to the digital coupon balance corresponding to the digital coupon setting account D12.

After the processing unit 12 generates the digital coupon payment, the process proceeds to step S13.

In step S13, the processing unit 12 separates at least one digital coupon distribution amount that meets the designated distribution amount of the digital coupon from the digital coupon production amount according to the designated distribution amount of the digital coupon setting data, and based on the specified distribution amount of the digital coupon, The digital coupon distribution list is used to transfer the digital coupon distribution funds from the digital coupon setting account D12 to the consumer wallet account D42 belonging to the consumer 40 to complete the return of the digital coupon distribution funds. More specifically, the processing unit 12 transfers the digital coupon distribution amount to the consumer wallet account D42, for example, by deducting the digital coupon designated distribution amount from the digital coupon balance corresponding to the digital coupon setting account D12. And the consumer's digital coupon balance D422 in the consumer's wallet account D42 is accumulated by the designated distribution amount of the digital coupon. In this way, when the consumer user terminal 4 logs into the digital asset management system 1 with the consumer wallet account D42 and is electrically connected to the processing unit 12, the consumer 40 can use the consumer user terminal 4 Check the digital coupon allocation amount transferred to the consumer's wallet account D42, and use the consumer terminal 4 to make consumption with the specific digital coupon in the consumer's wallet account D42 by electronic payment. It should be added that in the actual implementation, in step S13, for example, the processing unit 12 separates a plurality of digital coupon distribution amounts from the digital coupon production amount, and separates the digital coupon distribution amounts into Transfer to multiple different consumer wallet accounts. In addition, in other embodiments, step S13 may also be executed by the intermediary server 5, that is, the intermediary 50 allocates the specific digital coupon to the consumer 40, instead of using this embodiment. is limited.

After the processing unit 12 transfers the digital coupon allocation to the consumer wallet account D42, it is assumed that the consumer 40 wants to use the consumer terminal 4 to deposit money into the consumer wallet account D42 when going to the business institution 30 for consumption. The specific digital coupon is checked out, and, under the aforementioned hypothetical situation, the process proceeds to step S14.

In step S14, the processing unit 12 receives a digital coupon transaction execution request including the business party identification information D31, the consumer identification information D41 and a settlement amount. In this embodiment, the digital coupon transaction execution request may, for example, come from a checkout device (such as a POS machine, not shown) managed by the business institution 30, and the digital coupon transaction execution request may For example, the checkout device is generated according to the operation of the checkout personnel of the business organization 30 during the checkout process, but it is not limited to this. Then, the process proceeds to step S15.

In step S15, once the processing unit 12 receives the digital coupon transaction execution request, the processing unit 12 determines, for example, whether the digital coupon transaction execution request matches a digital coupon according to the digital coupon eligible acceptance list L1 in the eligible acceptance institution data D11. The securities are eligible for trading. In this embodiment, the digital coupon eligible transaction condition includes, for example, that the business party identification information in the digital coupon transaction execution request exists in the digital coupon eligible acceptance list L1. If the determination result of the processing unit 12 in step S15 is no, it means that the business institution 30 is not qualified to accept the specific digital coupon. In this case, the process proceeds to step S16. On the other hand, if the determination result of the processing unit 12 in step S15 is yes, it means that the business institution 30 is indeed qualified to accept the specific digital coupon. In this case, the process proceeds to step S17.

In step S16 following step S15, once the processing unit 12 determines that the digital coupon transaction execution request does not meet the digital coupon eligible transaction conditions, the processing unit 12 rejects the digital coupon transaction execution request, and then rejects the digital coupon transaction execution request. In the case of a securities transaction execution request, a transaction failure notification is generated and sent to the checkout device, so that the checkout device outputs the transaction failure notification. Therefore, if the business institution 30 is not qualified to accept the specific digital coupon, the processing unit 12 will not grant the digital coupon transaction execution request, thereby effectively avoiding the occurrence of mis-acceptance by the business institution. Moreover, after the processing unit 12 sends the transaction failure notification to the checkout device, the process of the digital coupon management program of this embodiment ends.

In step S17 following step S15, once the processing unit 12 determines that the digital coupon transaction execution request meets the digital coupon eligible transaction condition, the processing unit 12 grants the digital coupon transaction execution request, and, after granting the digital coupon In the case of a transaction execution request, the processing unit 12 transfers a digital coupon transaction amount that matches the settlement amount of the digital coupon transaction execution request and the payment attribute is a specific digital coupon from the consumer wallet account D42 to the business. The party wallet account D32 then generates and sends a transaction completion notification to the checkout device, so that the checkout device outputs the transaction completion notification.

For example, assume that the current value of the consumer's digital coupon balance D422 in the consumer's wallet account D42 is an integer "M", and assume that the current value of the business's digital coupon balance D322 in the business's wallet account D32 is an integer "M". N", and assume that the checkout amount in the digital coupon transaction execution request is "500". In this example, the processing unit 12 will determine the amount of the digital coupon transaction to be "500" that matches the checkout amount, and the processing unit 12 will transfer the digital coupon transaction amount to the consumer's wallet account. The method of transferring D42 to the merchant's wallet account D32 can be, for example, updating the value of the consumer's digital coupon balance D422 from "M" to "M-500", and changing the value of the merchant's digital coupon balance D322 from " N" is updated to "N+500".

After the processing unit 12 transfers the digital coupon transaction funds from the consumer wallet account D42 to the business party wallet account D32, the process proceeds to step S18.

In step S18, when the processing unit 12 receives a digital voucher redemption request sent by the business party user terminal 3 through the financial server 2 and corresponding to the business party wallet account D32, if the digital voucher redemption request The request is a full redemption request and is granted by the processing unit 12. The processing unit 12 generates an amount according to the business party's digital voucher balance D322 of the business party's wallet account D32, which is consistent with the business party's digital voucher balance D322 and the payment attribute is The digital coupon redemption amount of the specific digital currency (in this embodiment, CBDC is taken as an example), and the digital coupon redemption amount is transferred to the business party's wallet account D32, thereby updating the business party in an accumulative manner. The business side currency balance D321 of the wallet account D32. In addition, the processing unit 12 also resets the value of the business side digital coupon balance D322 of the business side wallet account D32 to zero. In other words, if the processing unit 12 approves all the redemption requests, the processing unit 12 will convert all the specific digital coupons in the business party's wallet account D32 into the specific digital currency according to all the redemption requests. Thereby, the business institution 30 can convert the specific digital coupons it owns into the specific digital currency at any time by operating the business user terminal 3 . The processing unit 12 may, for example, use at least one of existing verification technologies such as password verification, biometric verification, and digital signature verification to determine whether to grant the digital voucher redemption request, but this part is not a technology of this patent specification. key points, so the details will not be elaborated.

In more detail, when the processing unit 12 receives a digital coupon redemption request belonging to all redemption requests and approves the digital coupon redemption request, the processing unit 12 , for example, first transfers the digital coupon redemption request to the service provider of the service provider wallet account D22. The digital coupon balance D222 accumulates a value consistent with the redemption amount of the business party's digital voucher balance D322, and the value of the business party's digital voucher balance D322 in the business party's wallet account D32 is reset to zero, thereby reducing the business institution's 30 The specific digital coupon to be redeemed is transferred to the financial service institution 20. Then, the processing unit 12 , for example, deducts the redemption amount from the server currency balance D221 of the server wallet account D22 to generate the digital coupon redemption amount, and adds the business party currency balance D321 of the business party wallet account D32 to the redemption amount. The redemption amount means that the digital voucher redemption amount is transferred to the business party's wallet account D32. In this way, the processing unit 12 completes all the digital voucher redemption operations corresponding to the digital voucher redemption request.

For example, assume that the current value of the service party's currency balance D221 is "X1", the current value of the service party's digital coupon balance D222 is "X2", and the current value of the business party's currency balance D321 is "Y", and The value of the business party's digital coupon balance D322 is "10000". In this example, when the processing unit 12 receives the digital voucher redemption request belonging to all the redemption requests, the processing unit 12 will first determine the redemption request with the same value as the business party's digital voucher balance D322 of "10000". The repayment amount is then accumulated to the service provider's digital coupon balance D222 of the service provider's wallet account D22, and the value of the business partner's digital coupon balance D322 is reset to zero. Thereby, the value of the service provider's digital coupon balance D222 is will be updated from "X2" to "X2+10000", and the value of the business's digital coupon balance D322 will be updated from "10000" to "0". Then, the processing unit 12 will deduct the redemption amount from the service party's currency balance D221, and add the redemption amount to the business party's currency balance D321, whereby the value of the service party's currency balance D221 will be from "X1" is updated to "X1-10000", the value of the business party's currency balance D321 will be updated from "Y" to "Y+10000".

In addition, in step S18 of this embodiment, the digital voucher redemption request may also be a partial redemption request, and the partial redemption request includes a designated redemption amount that is less than the current value of the business party's digital voucher balance D322 . Whether the digital coupon redemption request is a full redemption request or a partial redemption request is determined, for example, by the business party's user terminal 3 based on the user operations it receives. In other words, the user can operate the business party's terminal 3 to The user 3 sends the entire redemption request or the partial redemption request to the processing unit 12. For example, if the current value of the business party's digital coupon balance D322 is "10000", then the partial redemption request The specified redemption amount included may be, for example, "3000" specified by the user. Moreover, if the digital coupon redemption request is a partial redemption request and is granted by the processing unit 12, in step S18, for example, the processing unit 12 first accumulates the server digital voucher balance D222 of the server wallet account D22. Another value is consistent with the redemption amount of the designated redemption amount (for example, "3000"), and the value of the business party's digital coupon balance D322 in the business party's wallet account D32 is deducted from the other redemption amount. Then, the processing unit 12 Then deduct the redemption amount from the server currency balance D221 of the service party wallet account D22, and add the redemption amount to the business party currency balance D321 of the business party wallet account D32, whereby the processing unit 12 The partial redemption operation of the digital voucher corresponding to the digital voucher redemption request is completed, that is, only a part of the specific digital vouchers in the business party's wallet account D32 that meet the specified redemption amount are converted into a specific digital currency. In this way, the business institution 30 can freely choose how many specific digital coupons to convert into specific digital currencies.

After the processing unit 12 completes the updating of the service party's currency balance D221, the service party's digital voucher balance D222, the business party's currency balance D321 and the business party's digital voucher balance D322 according to the digital voucher redemption request, in this embodiment The process of digital coupon management program ends.

It should be added that when the merchant's digital coupon balance D322 of the merchant's wallet account D32 is greater than zero, the merchant's user terminal 3 may, for example, generate and transmit a digital coupon transfer request based on the user operation it receives. to the processing unit 12, wherein the digital coupon transfer request indicates, for example, one of the consumer wallet accounts, and includes, for example, a designated transfer amount that is less than or equal to the merchant's digital coupon balance D322. Moreover, when the processing unit 12 receives the digital coupon transfer request, the processing unit 12 transfers the specific digital coupons in the business party's wallet account D32 that meet the specified transfer amount according to the digital coupon transfer request. Transfer it to the consumer's wallet account indicated in the digital coupon transfer request for continued use by other consumers. In this way, the business institution 30 can freely transfer the specific digital coupons it receives to other consumers. In other words, the specific digital coupons in this embodiment have the characteristics of being recirculated.

It is worth mentioning that the business party's digital coupon balance D322 and the business party's currency balance D321 are both included in the business party's wallet account D32 and are uniformly managed by the digital asset management system 1. Therefore, through the business party's wallet account D32, The digital asset management system 1 implements the digital coupon management program. The business institution 30 only needs to use the business user terminal 3 to transmit the digital coupon redemption request to the processing unit 12, so that the processing unit 12 can instantly process the digital coupon on the service side. The digital voucher redemption amount is generated in the wallet account D22 and the digital voucher redemption amount is transferred to the business party's wallet account D32, so as to transfer the business party's currency balance D321 and the business party's digital voucher balance D322 in the business party's wallet account D32 Correspondingly updated, in this way, the digital asset management system 1 can allow the business institution 30 to instantly exchange all or part of the specific digital coupons received during the business process into a specific digital currency (in this embodiment Taking CBDC as an example), there is no need to apply for redemption through any other intermediary institution, so it can achieve the effect of immediate redemption at any time after settlement.

Referring to Figures 1, 2 and Figure 4, the special fund management procedure of this embodiment will be described below.

First, in step S21 , the processing unit 12 obtains a special fund setting data, and for example, stores the special fund setting data in the storage unit 11 . Among them, the special fund setting data includes, for example, a designated production amount of the special fund determined by the sponsoring organization 60, a designated distribution amount of the special fund determined by the sponsoring organization 60, and a plurality of consumer identification data to be distributed. A list of special funds allocation, and a list of eligible products, but not limited to this.

In this embodiment, the designated production amount of the special funds represents, for example, the total amount of specific special funds to be issued by the sponsoring organization 60 (for example, 80 million yuan). The designated allocation amount of the special fund, for example, represents the amount of a specific special fund to be distributed to a single consumer (for example, 800 yuan). Each consumer identification information to be allocated in the special fund allocation list may be, for example, a consumer's unique identification information (such as an ID card number, but is not limited to this). The eligible product list includes, for example, multiple product codes, where each product code may, for example, indicate a specific product category, such as "agricultural products," "food," "daily necessities," or "medical supplies." However, in other embodiments, each product code may also indicate a specific style of product, such as "A brand germ rice", "B brand milk powder", "C brand shampoo" or "D brand medical mask" ”, and is not limited to this embodiment. It should be added that, in this embodiment, the processing unit 12 receives the special money setting data from the intermediary server 5, for example. However, in other embodiments, the processing unit 12 may also receive the special money setting data according to the user's manual operation, for example. The special fund setting data is generated through operation. Therefore, the method in which the processing unit 12 obtains the special fund setting data is not limited to this embodiment. In addition, for the convenience of explanation, it is assumed here that one of the consumer identification data to be allocated in the special fund allocation list is the same as the consumer identification data D41 stored in the storage unit 11. In other words, the consumer 40 in Figure 1 The corresponding consumer identification data D41 is, for example, included in the special fund allocation list.

After the processing unit 12 obtains the special fund setting data, the process proceeds to step S22.

In step S22, the processing unit 12 determines that there is already a special reserve fund for a specific digital currency in a special-purpose wallet account (not shown), and also determines that the special reserve fund When the amount of the money is greater than or equal to the designated production amount of the special fund, the processing unit 12 generates a sum in the special fund wallet account that matches the designated production amount based on the designated production amount of the special fund and the reserve amount of the special fund. The payment specifies the special payment amount and the payment attribute is a special special payment of this kind. More specifically, the processing unit 12 generates the special money by converting the specific digital currency in the special money wallet account into the equivalent special money, that is, the special money in the wallet account. The balance of a special fund reserve included in the special fund reserve is deducted from the designated production amount of the special fund, and the balance of a special fund included in the special fund wallet account is accumulated to the designated production amount of the special fund.

It should be added that the dedicated wallet account is also stored in the storage unit 11 , and the dedicated wallet account belongs to one of the intermediary agency 50 and the sponsoring organization 60 .

After the processing unit 12 generates the special-purpose funds in the special-purpose wallet account, the process proceeds to step S23.

In step S23, the processing unit 12 separates at least one special fund distribution amount from the special fund production fund according to the designated allocation amount of the special fund in the special fund setting data, and based on the designated allocation amount of the special fund, The special fund distribution list is used to transfer the special fund distribution funds from the special fund production wallet account to the consumer wallet account D42 belonging to the consumer 40 to complete the return of the special fund distribution funds. More specifically, the processing unit 12 transfers the special fund distribution amount to the consumer wallet account D42 by, for example, deducting the special fund designated distribution amount from the special fund balance of the special fund production wallet account, and Add the designated allocation amount of the special fund to the consumer's special fund balance D423 in the consumer's wallet account D42. In this way, when the consumer user terminal 4 logs into the digital asset management system 1 with the consumer wallet account D42 and is electrically connected to the processing unit 12, the consumer 40 can use the consumer user terminal 4 Check the special fund allocation transferred to the consumer's wallet account D42, and use the consumer terminal 4 to make consumption with the specific special fund in the consumer's wallet account D42 by electronic payment. It should be added that in the actual implementation, in step S23, the processing unit 12 separates a plurality of special fund distribution funds from the special fund production funds, and separates the special fund distribution funds into Transfer to multiple different consumer wallet accounts.

After the processing unit 12 transfers the special fund allocation to the consumer wallet account D42, it is assumed that the consumer 40 wants to use the consumer terminal 4 to use the consumer wallet account D42 when going to the business institution 30 for consumption. The specific special funds are settled, and, under the aforementioned hypothetical situation, the process proceeds to step S24.

In step S24, the processing unit 12 receives a special payment transaction execution request including the business party identification data D31, the consumer identification data D41, one or more commodity identification data and a checkout amount. In this embodiment, each product identification data of the special-purpose transaction execution request indicates, for example, the type of product that the consumer 40 wants to purchase from the business institution 30. However, in other embodiments, each product identification data The data may also indicate, for example, a specific product that the consumer 40 wants to purchase from the business establishment 30 . On the other hand, the special fund transaction execution request may, for example, come from a checkout device managed by the business institution 30, and the special fund transaction execution request may, for example, be performed by the checkout device according to the business institution during the checkout process. 30% resulting from the operations of the checkout staff, but not limited to this. Then, the process proceeds to step S25.

In step S25, once the processing unit 12 receives the special fund transaction execution request, the processing unit 12 determines the execution of the special fund transaction based on, for example, the eligible commodity list and the special fund eligible receipt list L2 in the qualified receiving institution data D11. Check whether the request meets the eligible transaction conditions for a special fund. In this embodiment, the special-purpose funds eligible transaction condition represents, for example, that the business party identification information in the special-purpose funds transaction execution request exists in the special-purpose funds eligible receipt list L2, and each commodity in the special-purpose funds transaction execution request The identification information is present in the list of eligible products. More specifically, if the business party identification information in the special-purpose funds transaction execution request exists in the special-purpose funds eligible receipt list L2, it means that the business institution 30 is indeed qualified to receive the specific special-purpose funds, and if the Each product identification data requested in the execution of the special-purpose transaction exists in the eligible product list, which means that each product purchased by the consumer 40 belongs to a specific product type or a specific style of product indicated in the eligible product list.

If the judgment result of the processing unit 12 in step S25 is no, it means that the business institution 30 is not qualified to receive the specific special money, or the product purchased by the consumer 40 does not meet the instructions in the eligible product list. A specific product type or a specific style of product, in this case, the process then proceeds to step S26. On the other hand, if the judgment result of the processing unit 12 in step S25 is yes, it means that the business institution 30 is indeed qualified to receive the specific special money, and the products purchased by the consumer 40 are all in line with the qualified products. The specific product type or specific style of product indicated in the list, in this case, the process then proceeds to step S27.

In step S26 following step S25, once the processing unit 12 determines that the special fund transaction execution request does not meet the special fund eligible transaction conditions, the processing unit 12 rejects the special fund transaction execution request, and then rejects the special fund transaction execution request. In the case of a payment transaction execution request, a transaction failure notification is generated and sent to the checkout device, so that the checkout device outputs the transaction failure notification. Therefore, if the business institution 30 is not qualified to receive the specific special funds, or the goods the consumer 40 wants to purchase do not comply with the relevant usage rules of the specific special funds, the processing unit 12 will not approve the payment. The special funds transaction execution request can effectively avoid the occurrence of mis-acceptance by business institutions or misuse by consumers. Moreover, after the processing unit 12 sends the transaction failure notification to the checkout device, the process of the special fund management program in this embodiment ends.

In step S27 following step S25, once the processing unit 12 determines that the special fund transaction execution request meets the special fund eligible transaction conditions, the processing unit 12 approves the special fund transaction execution request, and, after granting the special fund transaction execution request, In the case of a transaction execution request, the processing unit 12 transfers a special-purpose transaction amount that matches the settlement amount of the special-purpose funds transaction execution request and whose attribute is the specific special-purpose funds from the consumer's wallet account D42 to the business. The party wallet account D32 then generates and sends a transaction completion notification to the checkout device, so that the checkout device outputs the transaction completion notification.

For example, assume that the current value of the consumer's special fund balance D423 in the consumer's wallet account D42 is an integer "P", and assume that the current value of the business's special fund balance D323 in the business's wallet account D32 is an integer " Q", and assume that the settlement amount in the special funds transaction execution request is "800". In this example, the processing unit 12 will determine the amount of the special funds transaction amount to be "800" that matches the checkout amount, and the processing unit 12 will transfer the special funds transaction funds from the consumer's wallet account D42 can be transferred to the business party's wallet account D32 by, for example, updating the value of the consumer's special fund balance D423 from "P" to "P-800", and changing the value of the business party's special fund balance D323 from " Q" is updated to "Q+800".

After the processing unit 12 transfers the special fund transaction funds from the consumer wallet account D42 to the business party wallet account D32, the process proceeds to step S28.

In step S28, when the processing unit 12 receives a special fund transfer request sent by the business party user terminal 3 through the financial server 2 and corresponding to the business party wallet account D32 before a predetermined transfer period is reached, At this time, if the special funds transfer request is a full transfer request and is approved by the processing unit 12, the processing unit 12 will accumulate the business side currency balance D321 of the business side wallet account D32 to a value consistent with the business side special funds transfer request. The reversal amount of the balance D323 of the business party, and the value of the business party's special fund balance D323 in the business party's wallet account D32 is reset to zero. In other words, if the processing unit 12 grants the all transfer request, the processing unit 12 will convert all the specific special funds in the business party's wallet account D32 into the specific digital currency according to the all transfer request, Thereby, the business institution 30 can convert the specific special funds it owns into the specific digital currency by operating the business user terminal 3 at any time before the predetermined transfer period is reached. The predetermined transfer period may be, for example, a specific time on a specific date predetermined by the sponsoring organization 60. On the other hand, the processing unit 12 may, for example, use password verification, biometric verification, digital signature verification, etc. At least one of the existing verification technologies is used to determine whether to grant the special funds transfer request, but it is not limited to this.

In this embodiment, if the processing unit 12 does not receive the special fund transfer request before the scheduled transfer period arrives, the processing unit 12 will automatically determine that the current time has reached the scheduled transfer period. Convert all the specific special funds in the business party's wallet account D32 into a specific digital currency, but it is not limited to this.

In addition, in step S28 of this embodiment, the special fund transfer request may also be, for example, a partial transfer request, and the partial transfer request includes a designated transfer amount less than the business party's special fund balance D323. Among them, whether the special funds transfer request is a full transfer request or a partial transfer request is determined by the business party user terminal 3 according to the user operations it receives. In other words, the user can operate the business party by operating the business party. The user 3 sends the entire transfer request or the partial transfer request to the processing unit 12. For example, if the current value of the business party's special fund balance D323 is "10000", then the partial transfer request The specified reversal amount included may be, for example, "2000" specified by the user. Moreover, if the special fund transfer request is a partial transfer request and is granted by the processing unit 12, then in step S28, the processing unit 12, for example, adds another amount to the business currency balance D321 of the business wallet account D32. The reversal amount that is in line with the designated reversal limit, and the reversal amount will be deducted from the business party's special fund balance D323 in the business party's wallet account D32, that is, only the business party's wallet account D32 that meets the designated transfer will be transferred back. A specific portion of the quota is converted into a specific digital currency. In this way, the business institution 30 can freely choose how much of the specific special funds to convert into specific digital currencies.

After the processing unit 12 completes the updating of the business party's currency balance D321 and the business party's special funds balance D323 according to the special funds transfer request, the process of the special funds management program in this embodiment ends.

It should be added that when the balance D323 of the business party's wallet account D32 is greater than zero, the business party user terminal 3 may, for example, generate and transmit a dedicated fund transfer request based on the user operation it receives. to the processing unit 12 , wherein the special fund transfer request indicates, for example, one of the consumer wallet accounts, and includes, for example, a designated transfer amount that is less than or equal to the business party's special fund balance D323. Moreover, when the processing unit 12 receives the special fund transfer request, the processing unit 12 transfers the specific special fund in the business party's wallet account D32 that meets the designated transfer amount according to the special fund transfer request. Transfer it to the consumer's wallet account indicated in the special funds transfer request for continued use by other consumers. In this way, the business institution 30 can freely transfer the specific special funds it receives to other consumers. In other words, the specific special funds in this embodiment also have the characteristics of being recirculated.

It is worth mentioning that the business party's special fund balance D323 and the business party's currency balance D321 are both included in the business party's wallet account D32 and are uniformly managed by the digital asset management system 1. Therefore, through the business party's wallet account D32, The digital asset management system 1 implements the special fund management program. As long as the business institution 30 uses the business party user terminal 3 to send the special fund transfer request to the processing unit 12, the processing unit 12 can immediately transfer the special fund to the business party. The business party's currency balance D321 and the business party's special fund balance D323 in the wallet account D32 are updated accordingly. In this way, the digital asset management system 1 can provide the business institution 30 to instantly transfer the specific money received during the business process. The special funds are fully or partially converted into a specific digital currency (in this embodiment, CBDC is used as an example) without the need to apply for reversal through any other intermediary institution, so the effect of immediate reversal at any time after checkout can be achieved. .

It should be understood that steps S11 to S18, steps S21 to S28 of this embodiment and the flowcharts in Figures 3 and 4 are only used to illustrate one possible implementation of the digital asset management method of the present invention. It should be understood that even if steps S11 to S18 and steps S21 to S28 are merged, split, or the sequence adjusted, if the process after the merge, split, or sequence adjustment is substantially the same as that of this embodiment, Achieving the same effect is still an implementable aspect of the digital asset management method of the present invention. Therefore, steps S11 to S18, steps S21 to S28 of this embodiment and the flowcharts in Figures 3 and 4 are not used to limit the present invention. the scope of implementation.

The above is the description of the first embodiment of the digital asset management system 1 of the present invention.

The present invention also provides a second embodiment of the digital asset management system 1, and the differences between the second embodiment and the first embodiment will be described below.

In the second embodiment, the storage unit 11 of the digital asset management system 1 also stores, for example, a pair of management keys of the consumer wallet account D42, and the consumer user 4 held by the consumer 40 is For example, a pair of payment-side keys corresponding to the consumer's wallet account D42 is stored, wherein the management-side key and the payment-side key may be, for example, a private key and a private key that are different from each other but correspond to each other in a key pair. Public key, but not limited to this. When the consumer 40 wants to use the payment device to pay the specific digital coupon or the specific special money to the business institution 30 by electronic payment, the consumer user terminal 4, for example, according to the operation of the consumer 40, at least A data to be verified is generated based on the payment end key, and a payment barcode including the consumer identification information D41 and the data to be verified is generated and displayed for the checkout device of the business institution 30 to read. The data to be verified may be, for example, a digital signature generated by the consumer user terminal 4 based on the consumer identification data D41 and a hash algorithm and encrypted using the payment terminal key, but is not limited to this. Moreover, in the second embodiment, the checkout device obtains the consumer identification data D41 and the data to be verified by reading the payment barcode displayed on the payment device, and then generates the digital coupon transaction execution request. Or the special fund transaction execution request. Moreover, in the digital asset management method of the second embodiment, the digital coupon transaction execution request and the special fund transaction execution request each also include the data to be verified, and the processing unit 12 receives the digital coupon transaction execution request. After the request or the special funds transaction is executed, for example, the management key will be used to verify the data to be verified, thereby determining whether the data to be verified has integrity and non-repudiation. Furthermore, in the second embodiment, the digital coupon eligible transaction conditions and the special money eligible transaction conditions each also include, for example, that the data to be verified has integrity and non-repudiation. In this way, the second embodiment of the present invention allows the consumer 40 to use the consumer terminal 4 to pay for the specific digital coupon or specific special money through offline barcode payment to complete the checkout and ensure that the received digital coupon is received. Ensure the authenticity of the coupon transaction execution request and the special fund transaction execution request to prevent the consumer wallet account D42 belonging to the consumer 40 from being embezzled.

The above is the description of the second embodiment of the digital asset management system 1 of the present invention.

The present invention also provides a third embodiment of the digital asset management system 1, and the differences between the third embodiment and the first embodiment will be described below.

In the digital coupon management program executed in the third embodiment, in step S11, the digital coupon setting data obtained by the processing unit 12 also includes a list of eligible products. The list of eligible products includes, for example, multiple product codes, and each A product code indicates a specific product type or a specific style of product. In step S14 , the digital coupon transaction execution request received by the processing unit 12 also includes one or more pieces of product identification data, and each product identification data indicates the type of product or products that the consumer 40 wants to purchase from the business institution 30 . specific goods. In step S15, the digital coupon eligible transaction condition also includes that each product identification data in the digital coupon transaction execution request exists in the eligible product list, which means that each product purchased by the consumer 40 belongs to the eligible product. A specific type of product or a specific style of product indicated in the product listing. That is to say, in the third embodiment, the specific digital coupon also has restrictions on the types of consumer goods.

To sum up, by implementing the digital asset management method, the digital asset management system 1 can realize the production, distribution, transaction management and redemption operations of this specific digital coupon, as well as the production and production of this specific special fund. , allocation, transaction management and transfer operations, whereby the digital asset management system 1 realizes comprehensive management of this specific digital coupon and specific special funds, so it can indeed achieve the purpose of the present invention.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by the patent of this invention.

1:Digital asset management system 11:Storage unit 12: Processing unit 2: Financial server 3:Business side user end 4: Consumer end 5: Intermediary server 10: Management organization 20:Financial service institutions 30:Business organization 40:Consumer 50:Intermediary agency 60: Sponsoring organization D11: Qualified recipient organization information L1: List of eligible recipients of digital coupons L2: List of eligible recipients of special funds D12: Digital coupon setting account D21: Server identification information D22: Server wallet account D221: Server currency balance D222: Balance of service provider’s digital coupon D223: Balance of service provider’s special fund D31: Business party identification information D32: Business wallet account D321: Currency balance of business party D322: Business party’s digital coupon balance D323: Balance of special funds of the business party D41: Consumer identification information D42: Consumer wallet account D421: Consumer currency balance D422: Consumer’s digital coupon balance D423: Balance of special funds for consumers S11~S18: Steps S21~S28: Steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a schematic block diagram illustrating a first embodiment of the digital asset management system of the present invention, as well as a financial server, a business user, and a consumer that are suitable for cooperating with the first embodiment. The client and an intermediary server; Figure 2 is a block diagram illustrating data stored in a storage unit included in the first embodiment; Figure 3 is a flow chart illustrating how the first embodiment implements a digital coupon management program included in a digital asset management method; and FIG. 4 is a flow chart illustrating how the first embodiment implements a special fund management program included in the digital asset management method.

1:Digital asset management system

11:Storage unit

12: Processing unit

2: Financial server

3:Business side user end

4: Consumer end

5: Intermediary server

10: Management organization

20:Financial service institutions

30:Business organization

40:Consumer

50:Intermediary agency

60: Sponsoring organization

Claims (14)

A digital asset management system that includes: a storage unit that stores a business party identification data, a consumer party identification data, a pair of business party wallet accounts corresponding to the business party identification data, and a pair of consumer wallet accounts corresponding to the consumer party identification data; and A processing unit, electrically connected to the storage unit, wherein the processing unit is configured to receive a digital coupon transaction execution request including the business party identification information, the consumer identification information and a checkout amount and approve the digital coupon transaction. After the request is executed, a digital coupon transaction amount that matches the checkout amount and the payment attribute is a specific digital coupon is transferred from the consumer's wallet account to the business's wallet account, and the digital coupon transaction is processed in the processing unit After the money is transferred to the business party's wallet account, when the processing unit receives a digital voucher redemption request for the business party's wallet account, the processing unit generates a payment attribute based on the digital voucher redemption request as a specific digital currency. the digital coupon redemption amount, and update the currency balance of the business party and the digital coupon balance of the business party contained in the wallet account of the business party based on the digital voucher redemption amount, and the currency balance of the business party and the digital voucher balance of the business party Respectively represent the balance of the specific digital currency and the specific digital coupon in the business party's wallet account. The digital asset management system as described in request 1, wherein: If the digital voucher redemption request received by the processing unit is a full redemption request, the processing unit updates the business party's currency balance and the business party's digital voucher balance by adding a numerical value to the business party's currency balance. The redemption amount is consistent with the balance of the business party’s digital coupons, and the balance of the business party’s digital coupons is reset to zero; and If the digital voucher redemption request received by the processing unit is a partial redemption request that includes a specified redemption amount that is less than the balance of the business party's digital voucher, the processing unit updates the business party's currency balance and the business party's digital currency balance. The method of calculating the coupon balance includes adding the currency balance of the business party to a redemption amount that is consistent with the designated redemption amount, and deducting the redemption amount from the digital voucher balance of the business party. The digital asset management system as described in claim 1, wherein the storage unit also stores a digital coupon eligible acceptance list, and the processing unit first determines the execution of the digital coupon transaction after receiving the digital coupon transaction execution request. Whether the request meets the eligible transaction conditions of a digital coupon, and if the judgment result is yes, the digital coupon transaction execution request is granted, and if the judgment result is no, the digital coupon transaction execution request is rejected, wherein the digital coupon eligible transaction conditions include the The business party identification information in the digital coupon transaction execution request exists in the digital coupon eligible recipient list. The digital asset management system as described in claim 1, wherein the digital asset management system belongs to a management organization, and the processing unit is suitable for electrical connection of multiple financial server terminals belonging to multiple financial service institutions, and Suitable for a business party belonging to a business institution to be electrically connected to the processing unit itself through one of the financial servers, and the processing unit is received by the business through one of the financial servers. The digital coupon redemption request sent by the user. A digital asset management system that includes: a storage unit that stores a consumer identification data and a pair of consumer wallet accounts corresponding to the consumer identification data; and A processing unit, electrically connected to the storage unit, wherein the processing unit is used to determine that there is already a special reserve fund in a special-purpose wallet account with a property attribute of a specific digital currency, according to a special-purpose reserve fund. The designated production amount of the special fund and the special fund reserve fund generate a special fund production amount in the special fund production wallet account that matches the designated production amount of the special fund and the attribute of the money is a specific special fund. The processing unit also It is used to separate a special fund allocation amount that meets the designated allocation amount of a special fund from the production amount of the special fund based on the designated allocation amount of the special fund, and to separate the special allocation amount from the special fund allocation list based on a special fund allocation list. The dedicated wallet account is transferred to the consumer wallet account. The digital asset management system as described in request 5, wherein: The processing unit generates the special fund production fund by deducting the special fund reserve balance contained in the special fund production wallet account from the designated production amount of the special fund, and deducting the special fund production wallet account from the special fund reserve balance. The balance of a special fund included is accumulated to the designated production amount of the special fund; The processing unit transfers the special fund allocation from the special fund production wallet account to the consumer wallet account by deducting the special fund designated allocation amount from the balance of the special fund, and deducting the amount contained in the consumer wallet account. The balance of a consumer's special fund is accumulated to the designated allocation amount of the special fund. The digital asset management system as described in request 6, wherein: The storage unit also stores a business party identification data, a pair of business party wallet accounts corresponding to the business party identification data, a list of eligible recipients of special funds, and a list of eligible products; and After the processing unit transfers the special fund allocation to the consumer's wallet account, when the processing unit receives a message including the business party identification information, the consumer identification information, one or more product identification information and a checkout When a special fund transaction execution request is made, the processing unit determines whether the special fund transaction execution request meets the eligible transaction conditions for a special fund, and approves the special fund transaction execution request when the judgment result is yes, and approves the special fund transaction execution request when the judgment result is no. Reject the special funds transaction execution request, wherein the eligible transaction conditions for the special funds transaction include that the identification information of the business party in the special funds transaction execution request exists in the special funds eligible receipt list, and each of the special funds transaction execution requests A product identification data exists in the eligible product list. A digital asset management method is implemented by a digital asset management system. The digital asset management system stores a business party identification data, a consumer party identification data, a pair of business party wallet accounts corresponding to the business party identification data, and a pair of consumer party identification data. Consumer wallet account with party identification data; the digital asset management method includes: After receiving a digital coupon transaction execution request including the business party identification information, the consumer identification information and a checkout amount and granting the digital coupon transaction execution request, the digital asset management system will process a digital coupon transaction execution request that matches the checkout amount. The digital coupon transaction funds whose payment attribute is a specific digital coupon are transferred from the consumer's wallet account to the business's wallet account; and After the digital asset management system transfers the digital coupon transaction funds to the business party's wallet account, when the digital asset management system receives a digital bond redemption request for the business party's wallet account, the digital asset management system will The digital voucher redemption request generates a digital voucher redemption amount with a payment attribute of a specific digital currency, and updates a business party's currency balance and a business party's digital voucher included in the business party's wallet account based on the digital voucher redemption payment. The balance of the merchant's currency and the balance of the merchant's digital coupons respectively represent the balance of the specific digital currency and the specific digital coupon in the merchant's wallet account. The digital asset management method as described in request item 8, wherein: If the digital voucher redemption request received by the digital asset management system is a full redemption request, the digital asset management system updates the currency balance of the business party and the digital voucher balance of the business party, including changing the currency balance of the business party. The balance is accumulated to a value consistent with the redemption amount of the business party's digital coupon balance, and the business party's digital coupon balance is reset to zero; and If the digital voucher redemption request received by the digital asset management system is a partial redemption request that includes a designated redemption amount that is less than the balance of the business party's digital vouchers, the digital asset management system updates the currency balance of the business party and The balance of the digital coupon of the business party includes adding the currency balance of the business party to a redemption amount that is consistent with the designated redemption amount, and deducting the redemption amount from the balance of the digital voucher of the business party. The digital asset management method as described in claim 8, wherein the digital asset management system also stores a digital coupon eligible acceptance list, and after receiving the digital coupon transaction execution request, the digital asset management system first determines whether Whether the digital coupon transaction execution request meets the eligible transaction conditions of a digital coupon, and if the judgment result is yes, the digital coupon transaction execution request is granted, and if the judgment result is no, the digital coupon transaction execution request is rejected, wherein the digital coupon is eligible The transaction conditions include that the business party identification information in the digital coupon transaction execution request exists in the digital coupon eligible acceptance list. The digital asset management method as described in claim 8, wherein the digital asset management system belongs to a management organization, and the processing unit is suitable for electrical connection of multiple financial server terminals belonging to multiple financial service institutions, and Suitable for a business party belonging to a business institution to be electrically connected to the processing unit itself through one of the financial servers, and the processing unit is received by the business through one of the financial servers. The digital coupon redemption request sent by the user. A digital asset management method is implemented by a digital asset management system. The digital asset management system stores a consumer identification data and a pair of consumer wallet accounts corresponding to the consumer identification data; the digital asset management method includes: When the digital asset management system determines that there is already a special fund reserve amount in a special fund production wallet account, the attribute of which is a specific digital currency, the designated production amount of a special fund and the special fund reserve amount are A special-purpose fund is generated in the special-purpose wallet account that matches the designated amount of the special-purpose fund and the attribute of the money is a specific special-purpose fund; and The digital asset management system separates a special fund distribution amount that meets the designated allocation amount of the special fund from the special fund production amount based on a designated allocation amount of the special fund, and distributes the special fund according to a special fund allocation list Funds are transferred from the dedicated production wallet account to the consumer wallet account. The digital asset management method as described in request 12, wherein: The digital asset management system generates the special fund production funds by deducting the special fund reserve balance contained in the special fund production wallet account from the designated production amount of the special fund, and converting the special fund production wallet The balance of a special fund contained in the account accumulates the designated production amount of the special fund; and The method by which the digital asset management system transfers the special fund allocation from the special fund production wallet account to the consumer wallet account includes deducting the special fund designated allocation amount from the balance of the special fund, and transferring the special fund allocation amount to the consumer wallet account. The included balance of a consumer's special fund is accumulated to the designated allocation amount of the special fund. The digital asset management method as described in request 13, wherein: The digital asset management system also stores a business party identification information, a pair of business party wallet accounts corresponding to the business party identification information, a list of eligible recipients of special funds, and a list of eligible products; and After the digital asset management system transfers the special fund allocation to the consumer's wallet account, when the digital asset management system receives a message containing the business party identification information, the consumer identification information, and one or more product identification information and a special fund transaction execution request with a settlement amount, the digital asset management system determines whether the special fund transaction execution request meets the eligible transaction conditions for a special fund, and approves the special fund transaction execution request when the judgment result is yes, and Refuse the special funds transaction execution request when the judgment result is no, where the eligible transaction conditions for the special funds transactions include that the business party identification information in the special funds transaction execution request exists in the special funds eligible receipt list, and the special funds transaction execution request Each commodity identification data in the transaction execution request is present in the list of eligible commodities.

Images