WO2021051888A1 - Système de comptes, terminal de service, procédé et système de gestion de transaction, dispositif et support - Google Patents

Système de comptes, terminal de service, procédé et système de gestion de transaction, dispositif et support Download PDF

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Publication number
WO2021051888A1
WO2021051888A1 PCT/CN2020/094166 CN2020094166W WO2021051888A1 WO 2021051888 A1 WO2021051888 A1 WO 2021051888A1 CN 2020094166 W CN2020094166 W CN 2020094166W WO 2021051888 A1 WO2021051888 A1 WO 2021051888A1
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account
branch
fund
transaction
capital
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PCT/CN2020/094166
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English (en)
Chinese (zh)
Inventor
李晓林
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汇智点亮科技(北京)有限公司
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Publication of WO2021051888A1 publication Critical patent/WO2021051888A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the invention relates to the field of digital finance, in particular to an account system, a service terminal, a transaction management method and system, equipment and medium.
  • Physical currency funds have a unique code distinction, such as the renminbi prefix code. This distinction can monitor the flow of physical currency. After being converted into digital funds, the digital funds only have the total number.
  • the existing account system does not manage the digital funds in batches, nor does it use a unique code to identify each digital fund, so the source of each specific digital fund And/or flow cannot be monitored.
  • A, B and C have signed a tripartite cooperation agreement.
  • A transfers a project fund A to B's bank account, and B's bank account previously had funds B.
  • the total amount of funds in B's account is A+B.
  • B should immediately transfer the project funds to the actual project implementation party C’s account at this time.
  • neither party B nor the bank can truly realize "transfer of funds A to C's account, not B or A+B", because the existing bank account system cannot manage and distinguish A at all.
  • B two digital funds. Therefore, Party B can misappropriate the A funds for other purposes at will, or delay payment.
  • the existing bank account system is differentiated according to the type of business. For example, there are current accounts, fixed-term accounts, digital wallets, etc., all of which belong to the nature of the total capital account, and the transaction flow only explains what a certain amount of funds is used for, but he It cannot identify specific digital funds, nor can it reflect/subdivide the source of the funds and the destination of the funds.
  • the present invention provides an account system, a service terminal, a transaction management method and system, equipment and media by adding a separate management system for each digital fund.
  • Branch accounts so that every digital fund or digital currency has a dynamic identification on the circulation node of each link to identify the source and destination of the digital fund or digital currency, so as to realize the source of each digital fund And fine-grained dynamic management of whereabouts.
  • this kind of branch account can realize the targeted investment and targeted consumption of digital funds, which is of great significance to in-depth supervision.
  • the present invention provides an account system, which is characterized in that it includes: a capital account and a branch account that depends on the capital account;
  • the fund account realizes financial business functions including digital fund transactions
  • the branch account is created according to the occurrence of the digital fund transaction of the fund account, and the funds in the branch account disappear on the fund account.
  • the branch account dynamically manages the digital capital transaction of the capital account.
  • branch accounts are included, and each branch account performs one-to-one dynamic management on each digital capital transaction of the capital account.
  • the fund account includes a bank account.
  • the dynamic management includes dynamic identification of the source and flow of the digital fund transaction.
  • the fund account has a fund account code that identifies the fund account.
  • the branch account has a unique branch account code that identifies the branch account, and the branch account further includes the capital account code, current capital amount, and current capital amount of the capital account associated with it. Dedicated use.
  • the account system updates the current fund amount of the branch account and the special purpose according to the digital fund transaction to dynamically manage the digital fund transaction, through the transaction flow information of the fund account Backtracking of the digital fund transaction.
  • the branch account is dynamically created, no more fund injection is accepted, and only the current fund amount of the branch account can be spent, and the branch account is automatically cancelled until the current fund amount is spent.
  • the present invention provides a service terminal including the account system according to the first aspect of the present invention.
  • the present invention provides a transaction management method, which is applied to the account system of the present invention, and the transaction method includes:
  • a first fund account is created in the account system, and at least one digital fund is injected into the first fund account.
  • the account system automatically generates a one-to-one correspondence with the at least one digital fund according to the digital fund.
  • the first branch account is selected in the following manner:
  • the account system automatically matches the first branch account with the corresponding special purpose according to the expenditure purpose.
  • select one or more of the first branch accounts according to the transfer amount:
  • one of the first branch accounts is selected.
  • the first branch account After selecting the first branch account, check whether the use of expenditure is consistent with the special purpose of the first branch account. If they are inconsistent, an early warning will be issued to the spending party, prompting to reselect the special purpose and the special purpose. The first branch account with the same expenditure purpose.
  • the second fund account After a successful transaction from the first fund account to the second fund account, the second fund account automatically generates a second branch account according to the expenditure purpose and the expenditure amount, and records transaction flow information.
  • the transaction flow information includes:
  • the payer s first fund account code, the first branch account code, and the amount and special purpose of the expenditure funds of the first branch account;
  • the second fund account code and the second branch account code of the payee are The second fund account code and the second branch account code of the payee.
  • the transfer operation is automatically terminated according to a preset strategy.
  • the present invention provides a transaction management system, which is characterized in that it is applied to the account system of the present invention, and the transaction management system includes:
  • the account management system is used to create a first fund account as a transfer party and a second fund account as a payee in the account system, and the account management system according to at least one digital fund injected into the first fund account Automatically generating at least one first branch account corresponding to the at least one digital fund;
  • the transaction operating system includes a transaction operation interface, which is presented on a user terminal and is used to select the first fund account as the payer in the account management system, enter the purpose of expenditure and the amount of expenditure, and The second fund account of the payee selects the first branch account corresponding to the special purpose according to the expenditure purpose.
  • the transaction operating system further includes:
  • a selection module for manually selecting the first branch account visually in the account system
  • the account matching module is configured to automatically match the first branch account with the corresponding special purpose according to the expenditure purpose.
  • the transaction management system further includes:
  • a checking module after the transaction operating system selects the first branch account as the payer in the account management system, the checking module checks the purpose of expenditure and the use of the first branch account Whether the special purpose is consistent, and output the inspection result;
  • the early warning and alarm module receives the inspection result output by the inspection module, and when the inspection result is inconsistent, sends an early warning reminder to the payer, prompting to re-select all the items that are consistent with the special purpose and the expenditure purpose. Describe the first branch account.
  • the account management system is further configured to: after a successful transaction from the first fund account to the second fund account, automatically generate the second fund based on the expenditure purpose and the expenditure amount.
  • the second branch account of the account and record transaction flow information.
  • the early warning and alarm module is further configured to, after issuing the early warning reminder, if payments continue to be made from the first branch account, a system alarm is performed, and a system alarm is performed according to a strategy preset by the transaction operating system This transfer operation is automatically terminated.
  • the present invention provides an electronic device, including:
  • Memory used to store one or more computer programs
  • the processor executes the transaction management method according to any one of claims 10-16.
  • the present invention provides a computer-readable storage medium storing a computer program, the computer-readable storage medium storing computer instructions, and the computer instructions are used to cause the computer to execute the method of the present invention.
  • the described transaction management method is a computer-readable storage medium storing a computer program, the computer-readable storage medium storing computer instructions, and the computer instructions are used to cause the computer to execute the method of the present invention. The described transaction management method.
  • the account system, service terminal, transaction management method and system, equipment and medium of the present invention have the following technical effects:
  • the account system of the present invention includes a capital account and a branch account that depends on the capital account; wherein the capital account implements financial business functions, the branch account dynamically manages the digital capital transactions of the capital account, and the branch
  • the account is created and cancelled based on the occurrence and disappearance of the digital capital transaction of the capital account.
  • the above-mentioned branch account is created based on the occurrence of digital fund transactions, and has a unique branch account code that identifies the branch account.
  • the branch account also includes the fund account code and the branch account of the fund account associated with it. The current fund amount of the account and the special purpose of the current fund amount.
  • the current funds in the branch account can only be used for its special purpose, and cannot be embezzled for other purposes, so that the source and flow of digital funds can be dynamically managed through the account system.
  • the branch account after the branch account is created, it no longer accepts the injection of funds, and can only disburse funds for special purposes from it, until the funds in the branch account are completely disbursed, the branch account is automatically cancelled, and its life cycle ends.
  • the fine-grained transaction control of each digital fund can be achieved at the two levels of business and supervision.
  • the account system of the present invention only needs to expand the branch account management system on the basis of the existing account system, can realize the functions and processes of the capital account and the branch account, can be compatible with the existing system, and does not need to separately develop the system.
  • the transaction management method and transaction management system applied to the above account system can realize the special purpose of special funds and realize the control of the special funds.
  • This control can be controlled by the operation of the counter business personnel, or can be based on the account system automatic transaction payment, according to Real-time control of business compliance is achieved.
  • the transaction flow information will be formed and saved after the transaction is completed, and the transaction flow information can be used to monitor the flow of funds afterwards.
  • an early warning or alarm will be issued or even the operation will be directly terminated, thereby ensuring the accuracy and precision of the transaction and preventing the misuse or abuse of special funds.
  • Construction and operation of the account system, transaction management method and system of the present invention are similar to digital financial services, intelligent social supervision and governance, such as the dynamic changes of account digital funds, the supervision of fund sources, and the system automatic transaction and control of special fund use, etc. , Provides the basic conditions for informatization, and lays the foundation for building an intelligent financial service system based on smart contracts.
  • the account system, transaction management method and system of the present invention without changing the existing technical architecture of the financial system, can be integrated into the account business of the existing financial system only through system function expansion, realize compatibility and docking, and enable user experience. Achieve smooth transfer. Therefore, while bringing new technologies and applicable functions, the construction, operation and promotion costs are lower.
  • Figure 1 shows a schematic diagram of the composition of the account system of the present invention.
  • Figure 2a shows a schematic diagram of the composition of an account system taking a bank account as an example.
  • Figure 2b shows the transaction flow of the branch account B1 and the branch account B2 shown in Figure 2a.
  • Figure 3 shows a schematic diagram of the flow of funds formed by the retrospective process of the digital funds transaction of the fund account.
  • Figure 4 shows a schematic diagram of an implementation scenario of the account system of the present invention.
  • Figure 5 shows a schematic flow chart of the transaction management method of the present invention.
  • Figure 6 shows a schematic diagram of a transaction operation interface taking a transfer transaction as an example.
  • Figure 7 shows the transaction flow of the transfer operation shown in Figure 6.
  • Fig. 8 shows a schematic diagram of functional modules of the transaction management system of the present invention.
  • FIG. 9 shows a schematic diagram of the circuit structure of the electronic device of the present invention.
  • the existing bank account system is differentiated according to the type of business. For example, there are current accounts, fixed-term accounts, digital wallets, etc., all of which belong to the nature of the total capital account, and the transaction flow only shows what a certain amount of funds is used for, but it It cannot identify specific digital funds, nor can it reflect/subdivide the source of the funds and the destination of the funds.
  • the present invention aims to realize fine-grained dynamic management of the source and destination of each digital fund by creating a branch account that depends on the fund account in the account system.
  • An embodiment of the present application provides an account system.
  • the account system includes a capital account A and a branch account B that depends on the capital account.
  • Capital account A can realize financial business functions including digital capital transactions, such as realizing fund deposit, transfer, and consumption.
  • Branch account B is automatically created according to the occurrence of the digital capital transaction of fund account A, and is cancelled when the funds of the branch account disappear on the fund account, for example, all the funds in the branch account B are transferred out or all of the funds in the fund account A After consumption, the branch account B is automatically cancelled.
  • FIG. 2a taking a bank account as an example, there is a fund account A1 in the account system, and the fund account A1 has a fund account code that serves as an identification. Inject two funds C1 (5000 yuan) and C2 (6000 yuan) into the fund account, and the fund C1 is the special fund for engineering funds, and the fund C2 is the special fund for tuition fees. Then when funds C are received from fund account A1, branch accounts B11 and B12 associated with A1 are automatically created. Branch accounts B11 and B12 respectively have branch account codes that serve as identification to distinguish two different branch accounts. In appearance, branch accounts Shown as A1B11 and A1B12 respectively. The branch account B11 is used to identify the fund C1.
  • the branch account B11 includes the current fund amount C10 of the branch account B11 after the fund C1 is used for special purpose expenditure and the special purpose of the fund C1 (project funds).
  • the branch account B12 is used to identify the fund C2.
  • the branch account B12 includes the amount of the fund C2 and the purpose of the fund C2 (tuition).
  • the branch accounts B11 and B12 also include a fund account A1 associated with them, from which the fund account code of the fund account A1 associated with them can be read.
  • the branch accounts B11 and B12 can no longer inject funds into the branch account B11 or B12, but can only consume or transfer funds from them. This avoids the complexity of the management of the multi-layer structure of the branch account and ensures the life cycle Simplicity.
  • Figure 2a only takes the injection of two funds into the fund account A1 as an example for illustration. It is also possible to inject multiple funds into the fund account A1 at the same time or successively, and create multiple branch accounts accordingly, which will not be described in detail here.
  • FIG 2b shows the key transaction flow items of the branch account B11 and the branch account B12.
  • the transaction flow from left to right corresponds to the items in each column: transaction date, capital account, branch account, transaction amount of branch account, business type, target capital account of capital transaction, target branch account, branch The dedicated use of funds in the account. Since the fund account A1 does not conduct transactions from the branch account B11 or B12, the target fund account and target branch account of the transaction are both blank.
  • the account system automatically cancels the branch account.
  • the current funds in the branch account of the account system can only be used for its special purpose, and in principle cannot be embezzled for other purposes, so that the source and flow of digital funds can be dynamically monitored through the account system management.
  • the branch account after the branch account is created, no more digital funds can be added to the branch account, but the funds can only be reduced until the funds in the branch account are consumed and its life cycle ends.
  • the fine-grained transaction control of each digital fund can be achieved at the two levels of business and supervision.
  • a transaction flow is formed. Through the transaction flow, each digital fund in the fund account can be backtracked after the fact, and each digital fund can be formed.
  • the flow direction of the graph As shown in Fig. 3, a capital account A1 is taken as an example to illustrate the supervisory flow diagram of digital funds starting from the capital account A1.
  • the capital account A1 has an initial capital of 10,000 yuan, and a branch account B11 is created accordingly.
  • the fund account and the branch account are represented as account A1B11, and the original funds and balance funds of the account are shown.
  • each account displays the total amount of funds received and the current balance of funds.
  • account A3B31, 3000.00 (remaining 500.00) indicates that the capital account has received 3000.00 yuan of funds from the upstream account (account A1B11 shown in this embodiment), and the current balance after the transaction is 500.00 yuan.
  • the account system of this embodiment can perform post-tracing based on transaction flow information to form a directed graph of the flow of each digital fund, and therefore can finely track and supervise the flow of a specific digital fund. This feature is especially significant for tracking the flow of specific funds.
  • the above-mentioned account system and its characteristics of the present invention can be directly used for the financial management of the internal production links of the enterprise.
  • an enterprise opens a special fund account for a project in a bank, and any specific equipment and other production factors in the production link of the enterprise under the project, and its related financial activity information, constitute a dynamic branch account, through the binding relationship with the branch account , To achieve full life cycle financial services and supervision capabilities for IoT devices.
  • FIG. 4 shows a schematic diagram of a scenario implemented by the account system in another embodiment of the present application.
  • the account system can be implemented in a network system 303, which includes, for example, a local area network (such as an intranet), a wide area network (such as the Internet), a cellular network, or some combination thereof, and can include any number of wired or wireless link.
  • a network system 303 includes, for example, a local area network (such as an intranet), a wide area network (such as the Internet), a cellular network, or some combination thereof, and can include any number of wired or wireless link.
  • One or more networks can also include direct connections between one or more components.
  • various communication protocols such as TCP/IP, HTTP, SMTP, FTP
  • encoding or formats such as HTML, XML
  • protection schemes such as VPN, secure HTTP, SSL
  • the wired and/or wireless connections can carry communications on one or more networks.
  • the account system can be implemented in a bank core system and mounted on the service terminal 301 connected to the network system 303.
  • the bank core system can implement a third-party payment system/financial institution interface to interface with a third-party payment system Network accounts and financial institution accounts such as banks and their payment function interfaces; wherein, the service terminal 301 may be implemented by a server/server group in a centralized network, or may be implemented by multiple network devices in a distributed network.
  • the server group includes, but is not limited to: one or more of an application server, a database server, an encryption machine, a communication server, a management monitoring server, and a security server.
  • the service terminal 301 may include an account management system 304 for the management and maintenance of the account system; the account management system 304 provides life cycle management of accounts in the account system (such as the creation and cancellation of capital accounts and branch accounts, etc.) ).
  • the user terminal 302 (for example, a desktop computer, a notebook computer, a tablet computer, or a smart phone) can access the service terminal 301 through the network system 303, initiate a fund account creation request, and then input information to create a fund account.
  • the user terminal 302 can send a message to the service terminal 301 to enable or disable the function of creating a branch account.
  • users, merchants or tellers send to the service terminal 301 to enable the function of creating a branch account according to the characteristics of the business account or the requirements of the national regulatory policy; the small consumption payment collection account opened by the merchant in the bank is sent to the service terminal 301 not to open or close The function of creating a branch account.
  • the function of opening/closing the branch account creation can also be sent to the service terminal 301 at any time.
  • the branch account function of the capital account is closed, the originally created branch account can be cancelled and deleted in real time, or it can be kept running until the life cycle of the branch account ends.
  • the service terminal 301 may include a transaction operating system 305 responsible for fund transactions; the transaction operating system 305 implements related fund transactions between fund accounts in the account system, such as transfers. , Consumption, etc.
  • the second fund account when transferring project funds from the first fund account of the account system to the second fund account, first select the first fund account as the transfer party in the account system on the transaction page of the transaction operating system 305 and enter the transfer purpose ( Project payment) and the transfer amount, and then select the first branch account for dedicated use including project payment in the first branch account associated with the first fund account, and enter the second fund account as the payee after the selection is completed to confirm the transfer.
  • the second fund account can correspondingly create a second branch account associated with it.
  • the transaction flow can be stored locally in the service terminal 301 or on other storage media that can be accessed through the network, such as a centralized or distributed storage system, and the service terminal 301 can pass the authentication
  • the user terminal 302 of the user terminal 302 provides a query service of the transaction flow of its corresponding capital account.
  • FIG. 5 a schematic flow chart of the transaction management method in the embodiment of the present application is shown. Among them, the method in this embodiment can be applied to, for example, the service terminal 301 in the embodiment of FIG. 3.
  • the method includes:
  • a first fund account is created in the account system, and at least one digital fund is injected into the first fund account.
  • the account system automatically generates the same digital fund as the at least one digital fund according to the dedicated use of the digital fund.
  • the mouse Click or move the mouse to the first fund account code (for example, 6222 8888 8888 8888 shown in Figure 5) (or on the right side of the code And other marked detailed buttons), which can immediately display the branch account information of one or more first branch accounts (B11, B12, B13) associated with the first fund account A1, and the branch account information may include the code of the first branch account , Current amount of funds and special purpose. For example, including: B11, 10000, engineering funds; B12, 5000, tuition fees; B13, 3000, household consumption.
  • first branch account Enter the transfer amount (6000.00) and the purpose of the transfer (vocational training). At this time, you can choose which first branch account or several first branch accounts to transfer from. If the current fund amount of a first branch account with special purpose is enough to pay the vocational training expenses, then select the first branch account for transfer. If the current amount of funds in a first branch account is not enough to pay the fee, multiple first branch accounts corresponding to special purposes are selected. As shown in Figure 6, the first branch account for special purpose corresponding to vocational training has first branch accounts B12 and B13, and neither B12 nor B13 is sufficient to pay the fee. Therefore, two first branch accounts B12 and B13 are selected at the same time. B13: Expend 5,000 yuan from the first branch account B12 for tuition fees, and 1,000 yuan from the first branch account B13 for household consumption.
  • the first branch account corresponding to the special purpose can also be automatically identified according to the purpose of the transfer.
  • the above transaction management method further includes the step of checking the selected first branch account.
  • the method of checking the selected first branch account includes automatic check based on artificial intelligence technology and/or background manual Recheck and check whether the special purpose of the first branch account is consistent with the above-mentioned transfer purpose, and then the transfer operation can be continued. Enter the account number of the second fund account of the payee and click the submit button on the interface to complete the transfer.
  • an early warning reminder will be issued to the transfer party, prompting to reselect the first branch account whose dedicated purpose is consistent with the expenditure purpose. After re-selecting the first branch account with the same purpose, continue the transfer operation. Enter the account number of the second fund account of the payee and click the submit button on the interface to complete the transfer.
  • the second fund account A2 of the payee dynamically creates a corresponding second branch account to identify the source of funds in the second fund account A2.
  • the first branch account where all funds are spent is automatically cancelled, and the operation interface also displays the current total amount of funds in the first fund account of the transferor after the transfer. For example, as shown in Figure 6, the total amount of the transfer account after the transfer is 12000.00, move the mouse to the right of the code of the first fund account On the mark, the account showing that the first branch account associated with the first fund account has only the first branch accounts B11 and B13, and the first branch account B12 with all the expenditures is automatically cancelled and will no longer be displayed.
  • the transaction flow is recorded, and the transaction flow includes the information of the first fund account, the first branch account, the second fund account, and the second branch account of the transfer party and the payee.
  • the transaction flow of the transfer transaction shown in Figure 6 is displayed.
  • the first column represents the transaction time
  • the second column represents the first capital account A1
  • the third column represents the first branch accounts B12 and B13 associated with the first capital account A1 for transfer expenditures
  • the fourth column represents the transaction amount
  • the fifth column indicates that the type of fund transaction is transfer
  • the sixth column indicates the second fund account A2 as the payee
  • the seventh column indicates the second branch account B21 created by the second fund account A2 for the fund after the transfer is completed , That is, the two funds transferred from the first branch account B12 and B13 are merged into a branch account B21 of A2
  • the last column represents the second branch account B21 of the second fund account A2, which is used exclusively for vocational training.
  • the transaction management method can realize the special purpose of the special funds and realize the control of the special funds.
  • the control can be controlled by the operation of the counter business personnel, or can be realized based on the real-time control of business compliance during the automatic transaction payment based on the account system.
  • the transaction flow information will be formed and saved after the transaction is completed, and the transaction flow information can be used to monitor the flow of funds afterwards.
  • an early warning or alarm will be issued or even the operation will be directly terminated, thereby ensuring the accuracy and precision of the transaction and preventing the misuse or abuse of special funds.
  • FIG. 8 a schematic diagram of functional modules of the transaction management system in the embodiment of the present application is shown.
  • the technical principle of this embodiment is the same as that of the method embodiment in FIG. 5, and therefore, the technical features that have been described will not be repeated.
  • the account management system is used to create a first fund account as a transfer party and a second fund account as a payee in the account system.
  • the injected at least one digital fund automatically generates at least one first branch account corresponding to the at least one digital fund;
  • the transaction operating system includes a transaction operation interface, which is presented on a user terminal and is used to select the first fund account as the payer in the account management system, enter the purpose of expenditure and the amount of expenditure, and The second fund account of the payee selects the first branch account corresponding to the special purpose according to the expenditure purpose.
  • the transaction operating system further includes: a selection module for visually and manually selecting the first branch account in the account system; and an account matching module for according to the expenditure purpose The first branch account with the corresponding dedicated purpose is automatically matched.
  • it further includes a checking module. After the transaction operating system selects the first fund account as the payer in the account management system, the checking module checks Whether the expenditure purpose is consistent with the special purpose of the first branch account, and output a check result;
  • the early warning and alarm module receives the inspection result output by the inspection module, and when the inspection result is inconsistent, sends an early warning reminder to the payer, prompting to re-select all the items that are consistent with the special purpose and the expenditure purpose. Describe the first branch account.
  • the account management system is further configured to: after a successful transaction from the first fund account to the second fund account, automatically according to the purpose of expenditure and the amount of expenditure Generate a second branch account that depends on the second fund account, and record transaction flow information.
  • the early warning and alarm module is further configured to, after issuing the early warning prompt, if payments continue from the first branch account, a system alarm is issued, even according to the transaction
  • the strategy preset by the operating system directly terminates the transfer operation automatically.
  • each module in the embodiment of the transaction management system shown in FIG. 8 is only a division of logical functions. In actual implementation, it can be fully or partially integrated into a physical entity, or Physically separate. And these modules can all be implemented in the form of software called by processing elements; they can also be implemented in the form of hardware; some modules can be implemented in the form of calling software by processing elements, and some of the modules can be implemented in the form of hardware.
  • the account management system can be a separately established processing element, or it can be integrated into a certain chip of the above-mentioned device for implementation.
  • each step of the above method or each of the above modules can be completed by an integrated logic circuit of hardware in the processor element or instructions in the form of software.
  • the above modules may be one or more integrated circuits configured to implement the above methods, for example: one or more application specific integrated circuits (ASICs for short), or one or more microprocessors ( Digital signal processor, DSP for short), or, one or more Field Programmable Gate Array (FPGA for short), etc.
  • ASICs application specific integrated circuits
  • DSP Digital signal processor
  • FPGA Field Programmable Gate Array
  • the processing element may be a general-purpose processor, such as a central processing unit (CPU for short) or other processors that can call program codes.
  • these modules can be integrated together and implemented in the form of a system-on-a-chip (SOC for short).
  • FIG. 9 shows a schematic diagram of a circuit structure of an electronic device in an embodiment of the present application.
  • the electronic device 800 may be used to implement, for example, the functions of the service terminal 301 or the user terminal 302 in the embodiment of FIG. 4, that is, for example, the method in the embodiment of FIG. 5, and may also be used to implement various functions in the embodiment of FIG. Module.
  • the electronic device 800 includes a processor 801 and a memory 802.
  • the memory 802 is used to store one or more computer programs
  • the processor 801 is coupled to the memory 802 (for example, coupled via a bus), and is configured to run one of the computer programs to execute, for example, the transaction processing method described in the embodiment of FIG. 5.
  • the processor 801 may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU for short), a network processor (Network Processor, NP for short), etc.; it may also be a digital signal processor ( Digital Signal Processing, DSP for short), Application Specific Integrated Circuit (ASIC for short), Field-Programmable Gate Array (FPGA for short) or other programmable logic devices, discrete gates or transistor logic devices, Discrete hardware components.
  • CPU Central Processing Unit
  • NP Network Processor
  • DSP Digital Signal Processing
  • ASIC Application Specific Integrated Circuit
  • FPGA Field-Programmable Gate Array
  • the memory 802 may include, but is not limited to, high-speed random access memory and non-volatile memory.
  • non-volatile memory For example, one or more disk storage devices, flash memory devices, or other non-volatile solid-state storage devices.
  • the computer-readable storage medium may include, but is not limited to, a floppy disk and an optical disk. , CD-ROM (Compact Disk-Read Only Memory), Magneto-Optical Disk, ROM (Read Only Memory), RAM (Random Access Memory), EPROM (Erasable Programmable Read Only Memory), EEPROM (Electrically Erasable Programmable read-only memory), magnetic or optical cards, flash memory, or other media/machine-readable media suitable for storing machine-executable instructions.
  • the computer-readable storage medium may be a product that has not been connected to a computer device, or a component that has been connected to a computer device for use.
  • the computer program is a routine, program, object, component, data structure, etc. that executes a specific order or realizes the attributes of a specific abstract data item.
  • the account system, service terminal, transaction management method and system, equipment and medium of the present invention have the following technical effects:
  • the account system of the present invention includes a capital account and a branch account that depends on the capital account; wherein the capital account implements financial business functions, the branch account dynamically manages the digital capital transactions of the capital account, and the branch
  • the account is created and cancelled based on the occurrence and disappearance of the digital capital transaction of the capital account.
  • the above-mentioned branch account is created based on the occurrence of digital fund transactions, and has a unique branch account code that identifies the branch account.
  • the branch account also includes the fund account code and the branch account of the fund account associated with it. The current fund amount of the account and the special purpose of the current fund amount.
  • the current funds in the branch account can only be used for its special purpose, and cannot be embezzled for other purposes, so that the source and flow of digital funds can be dynamically managed through the account system.
  • the branch account after the branch account is created, it no longer accepts the injection of funds, and can only disburse funds for special purposes from it, until the funds in the branch account are completely disbursed, the branch account is automatically cancelled, and its life cycle ends.
  • the fine-grained transaction control of each digital fund can be achieved at the two levels of business and supervision.
  • the account system of the present invention only needs to expand the branch account management system on the basis of the existing account system, can realize the functions and processes of the capital account and the branch account, can be compatible with the existing system, and does not need to separately develop the system.
  • the transaction management method and transaction management system applied to the above account system can realize the special purpose of special funds and realize the control of the special funds.
  • This control can be controlled by the operation of the counter business personnel, or based on the account system when automatic transaction payment is made according to Real-time control of business compliance is achieved.
  • the transaction flow information will be formed and saved after the transaction is completed, and the transaction flow information can be used to monitor the flow of funds afterwards.
  • an early warning or alarm will be issued or even the operation will be directly terminated, thereby ensuring the accuracy and precision of the transaction and preventing the misuse or abuse of special funds.
  • Construction and operation of the account system, transaction management method and system of the present invention are similar to digital financial services, intelligent social supervision and governance, such as the dynamic changes of account digital funds, the supervision of fund sources, and the system automatic transaction and control of special fund use, etc. , Provides the basic conditions for informatization, and lays the foundation for building an intelligent financial service system based on smart contracts.
  • the account system, transaction management method and system of the present invention without changing the existing technical architecture of the financial system, can be integrated into the account business of the existing financial system only through system function expansion, realize compatibility and docking, and enable user experience. Achieve smooth transfer. Therefore, while bringing new technologies and applicable functions, the construction, operation and promotion costs are lower.

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Abstract

L'invention concerne un système de comptes, un terminal de service, un procédé et un système de gestion de transaction, un dispositif et un support. Le système de comptes comprend : un compte de capital et des comptes succursale qui dépendent du compte de capital, le compte de capital mettant en œuvre des fonctions de service financier qui comprennent des transactions de capital numérique, les comptes succursale étant créés selon l'apparition de transactions de capital numérique dans le compte de capital et étant vidés conformément à la disparition du capital des comptes succursale sur le compte de capital, et les comptes succursale gérant dynamiquement les transactions de capital numérique du compte de capital. Le capital actuel dans les comptes succursale peut uniquement être utilisé à des fins spéciales de ceux-ci, et peut ne pas être détourné à d'autres fins. Ainsi, la source et la circulation du capital numérique peuvent être gérés dynamiquement au moyen du système de comptes. Une fois que les comptes succursale ont été créés, aucun capital supplémentaire n'est accepté, et le capital peut uniquement être dépensé jusqu'à ce que le cycle de vie du capital soit complètement épuisé. Une commande de transaction à granularité fine de chaque somme de capital numérique peut être mise en œuvre aux deux niveaux de service et de supervision.
PCT/CN2020/094166 2019-09-18 2020-06-03 Système de comptes, terminal de service, procédé et système de gestion de transaction, dispositif et support WO2021051888A1 (fr)

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CN110610424A (zh) * 2019-09-18 2019-12-24 汇智点亮科技(北京)有限公司 账户系统、服务终端、交易管理方法及系统、设备及介质
CN111680994B (zh) * 2020-06-08 2023-09-19 青岛有容信息科技有限公司 资金赋码追踪方法、装置、计算机设备及可读存储介质

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