WO2021098250A1 - Procédé et appareil de circulation, de paiement et de compensation basés sur un certificat numérique d'actifs, et support - Google Patents

Procédé et appareil de circulation, de paiement et de compensation basés sur un certificat numérique d'actifs, et support Download PDF

Info

Publication number
WO2021098250A1
WO2021098250A1 PCT/CN2020/102688 CN2020102688W WO2021098250A1 WO 2021098250 A1 WO2021098250 A1 WO 2021098250A1 CN 2020102688 W CN2020102688 W CN 2020102688W WO 2021098250 A1 WO2021098250 A1 WO 2021098250A1
Authority
WO
WIPO (PCT)
Prior art keywords
asset
buyer
clearing
payment
vouchers
Prior art date
Application number
PCT/CN2020/102688
Other languages
English (en)
Chinese (zh)
Inventor
肖光昱
Original Assignee
肖光昱
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 肖光昱 filed Critical 肖光昱
Publication of WO2021098250A1 publication Critical patent/WO2021098250A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • This application relates to the fields of electronic payment technology and supply chain finance, and in particular to a method, device, and storage medium for clearing circulation payments based on asset digital vouchers.
  • the main purpose of this application is to provide a method, device and medium for clearing transfer payments based on digital asset vouchers, aiming to solve the problem of cumbersome clearing procedures for both parties in the prior art.
  • this application provides a method for clearing transfer payments based on digital assets vouchers.
  • the clearing method for transfer payments based on digital assets vouchers includes the following steps:
  • the buyer's account information and transaction information When receiving preset information, obtain the buyer's account information and transaction information, where the preset information includes a clearing instruction, a financing request, or a loan request;
  • the commitment performance letter and the asset digitized voucher are associated with the seller's account information corresponding to the clearing instruction, and transferred to the seller, so as to complete the buyer's transaction payment to the seller and realize the payment function.
  • the method before the step of acquiring the buyer's account information and transaction information, the method further includes:
  • the buyer's asset digitization voucher is generated, and the asset digitization voucher is stored in association with the buyer's account information.
  • the asset digitization voucher associated with the account information includes at least one of the asset digitization voucher issued by the buyer and the received third-party asset digitization voucher; the asset digitization voucher issued by the buyer And when receiving a third-party asset digitization certificate, when receiving a financing instruction, apply for a financing loan from the funder.
  • the asset digitization voucher associated with the account information includes at least one of the asset digitization voucher issued by the buyer and the received third-party asset digitization voucher; the asset digitization voucher issued by the buyer And when receiving a third-party asset digitization certificate, when receiving a financing instruction, apply for a financing loan from the funder.
  • the method further includes:
  • the method further includes:
  • the step of associating the commitment performance letter and the asset digitization voucher with the seller's account information corresponding to the liquidation instruction is executed.
  • the step of determining the asset and transaction information associated with the account information, generating asset digital vouchers and generating a commitment performance letter includes:
  • a commitment performance letter is generated according to the asset and transaction information associated with the account information.
  • the method further includes:
  • a prompt message indicating that the balance of the asset digitized voucher amount is insufficient is output to the terminal corresponding to the buyer.
  • the transfer payment clearing method based on digital asset vouchers further includes:
  • the settlement center sends information to the terminal of each buyer of the asset digitized vouchers issued so that each buyer pays the asset amount corresponding to the asset digitized vouchers to the settlement center;
  • the settlement center pays the asset amount corresponding to the expired asset digitized vouchers to the seller's account information corresponding to each expired asset digitized vouchers, and associates the physical accounts of the banks of the buyer and the seller, so as to realize the fund receipt and payment of the bank entity accounts.
  • the present application also provides a liquidation payment clearing device, which includes a memory, a processor, and a clearing program stored in the memory and running on the processor, the clearing program When executed by the processor, each step of the above-mentioned transfer payment clearing method based on the asset digital certificate is realized.
  • the present application also provides a medium, the storage medium stores a clearing program, and when the clearing program is executed by a processor, each step of the above-mentioned transfer payment clearing method based on asset digital vouchers is realized.
  • the method, device, and medium for payment and settlement based on asset digitization and asset digitization vouchers are proposed in the embodiments of the application.
  • the clearing device When receiving a clearing instruction, financing request, or loan request, the clearing device obtains the buyer’s account information and transaction information, and determines Assets and transaction information associated with account information generate asset digital vouchers and commitment performance letters, so as to associate the commitment performance letters and asset digital vouchers with the seller’s account information to complete the buyer’s transaction payment to the seller.
  • the transaction payment between the buyer and the seller can be realized without bank transfer, and there is no need for the buyer and seller to pay each offline fund, which reduces the capital occupation and simplifies
  • the asset digitization voucher and the commitment performance letter can ensure that the buyer fulfills the payment obligation, and simplifies the settlement process for both parties on the premise of guaranteeing the seller’s rights and interests.
  • the received asset digital vouchers can also be used to apply for financing loans from the funder to realize the credit function.
  • a settlement center has been established. Buyers and sellers, banks and other participants all open virtual accounts in the settlement center for clearing purposes, and collect and pay funds through the bank accounts of related entities, ensuring the feasibility of the application plan.
  • FIG. 1 is a schematic diagram of the hardware structure of a clearing device involved in a solution of an embodiment of the present application
  • FIG. 2 is a schematic flowchart of the first embodiment of a method for settlement of transfer payments based on digital assets vouchers according to this application;
  • FIG. 3 is a schematic flowchart of a second embodiment of a method for settlement of transfer payments based on digital assets vouchers according to this application;
  • FIG. 4 is a schematic flowchart of a third embodiment of a method for liquidation payment and clearing based on asset digital vouchers according to this application;
  • Fig. 5 is a schematic flow chart of a fourth embodiment of a method for settlement of transfer payments based on digital assets vouchers according to the present application.
  • the main solution of the embodiment of this application is: when receiving preset information, obtain the buyer's account information and transaction information, where the preset information includes a clearing instruction, a financing request, or a loan request; determine the asset associated with the account information And transaction information to generate an asset digital certificate and a commitment performance letter, where the content includes the buyer’s payment amount, and the asset corresponding to the asset amount of the asset digital certificate is isolated; the commitment performance letter and the asset digital certificate
  • the account information of the seller corresponding to the clearing instruction is associated and transferred to the seller to complete the transaction payment of the buyer to the seller and realize the payment function.
  • the transaction payment between the buyer and the seller can be realized without bank transfer, and there is no need for the buyer and seller to pay each offline fund, which reduces the capital occupation and simplifies
  • the asset digitization voucher and the commitment performance letter can ensure that the buyer fulfills the payment obligation, and simplifies the settlement process for both parties on the premise of guaranteeing the seller’s rights and interests.
  • the received asset digital vouchers can also be used to apply for financing loans from the funder to realize the credit function.
  • a settlement center has been established. Buyers and sellers, banks and other participants all open virtual accounts in the settlement center for clearing purposes, and collect and pay funds through the bank accounts of related entities, ensuring the feasibility of the application plan.
  • FIG. 1 is a schematic diagram of the hardware structure of the circulation payment clearing device involved in the solution of the embodiment of the present application.
  • the liquidation payment clearing device may include: a processor 1001, such as a CPU, a communication bus 1002, and a memory 1003.
  • the communication bus 1002 is used to implement connection and communication between these components.
  • the memory 1003 may be a high-speed RAM memory, or a stable memory (non-volatile memory), such as a magnetic disk memory.
  • the memory 1003 may also be a storage device independent of the aforementioned processor 1001.
  • FIG. 1 does not constitute a limitation on the transfer payment clearing device, and may include more or less components than shown in the figure, or a combination of certain components, or a different component arrangement .
  • the memory 1003 which is a computer storage medium, may include an operating system and a liquidation program.
  • the processor 1001 may be used to call the liquidation program stored in the memory 1003, and perform the following operations:
  • the buyer's account information and transaction information When receiving preset information, obtain the buyer's account information and transaction information, where the preset information includes a clearing instruction, a financing request, or a loan request;
  • the commitment performance letter and the asset digitized voucher are associated with the seller's account information corresponding to the clearing instruction, and transferred to the seller, so as to complete the buyer's transaction payment to the seller and realize the payment function.
  • the processor 1001 may call a liquidation program stored in the memory 1003, and also perform the following operations:
  • the buyer's asset digitization voucher is generated, and the asset digitization voucher is stored in association with the buyer's account information.
  • the processor 1001 may call a liquidation program stored in the memory 1003, and also perform the following operations:
  • the asset digitization voucher associated with the account information includes at least one of the asset digitization voucher issued by the buyer and the received third-party asset digitization voucher;
  • the asset digitization voucher issued by the buyer and the asset digitization voucher received from a third party are used to apply for a financing loan from the funder when receiving a financing instruction, and when receiving an instruction to wait for the payment to be due, keep it for use, When receiving an instruction to transfer or split the transfer to the upstream seller, the upstream seller will be transferred to the upstream seller.
  • the processor 1001 may call a liquidation program stored in the memory 1003, and also perform the following operations:
  • the processor 1001 may call a liquidation program stored in the memory 1003, and also perform the following operations:
  • the step of associating the commitment performance letter and the asset digitization voucher with the seller's account information corresponding to the liquidation instruction is executed.
  • the processor 1001 may call a liquidation program stored in the memory 1003, and also perform the following operations:
  • a commitment performance letter is generated according to the asset and transaction information associated with the account information.
  • the processor 1001 may call a liquidation program stored in the memory 1003, and also perform the following operations:
  • a prompt message indicating that the balance of the asset digitized voucher amount is insufficient is output to the terminal corresponding to the buyer.
  • the processor 1001 may call a liquidation program stored in the memory 1003, and also perform the following operations:
  • the settlement center sends information to the terminal of each buyer of the asset digitized vouchers issued so that each buyer pays the asset amount corresponding to the asset digitized vouchers to the settlement center;
  • the settlement center pays the asset amount corresponding to the expired asset digitized vouchers to the seller's account information corresponding to each expired asset digitized vouchers, and associates the physical accounts of the banks of the buyer and the seller, so as to realize the fund receipt and payment of the bank entity accounts.
  • the first embodiment of the present application provides a method for clearing transfer payments based on digital assets vouchers.
  • the clearing method for transfer payments based on digital assets vouchers includes the following steps:
  • Step S10 when receiving preset information, obtain the buyer's account information and transaction information, where the preset information includes a clearing instruction, a financing request, or a loan request;
  • the execution subject is a circulating payment clearing device.
  • the clearing device provides a clearing APP for the terminals of the buyer and the seller to load, and the buyer or the seller sends preset information to the clearing device through the clearing APP on the terminal.
  • the preset information includes clearing instructions, financing requests, and loan requests, and the buyer who sends the preset information can be defined as the buyer. Taking the clearing instruction as an example, this embodiment will be described.
  • the clearing instruction includes the buyer's information and the seller's information, and the clearing device can obtain the buyer's registered information on the clearing device according to the clearing instruction, that is, obtain the buyer's account information.
  • the account information includes the buyer's name, authentication information, and transaction account, etc., and the buyer needs to undergo real-name authentication to ensure the authenticity of the buyer's account information.
  • the buyer can send transaction information to the clearing device through the clearing APP, or package the transaction information into a clearing instruction, so that the clearing device can obtain the transaction information.
  • the transaction information can be a copy of the contract signed by the buyer and the seller, the electronic smart purchase and sale contract, the buyer’s electronic reconciliation voucher for receipt, the seller’s electronic reconciliation voucher for shipment, the buyer’s electronic reconciliation voucher, the buyer’s special value-added tax invoice, and The amount of the buyer’s purchase of the seller’s goods, etc.
  • the transaction information is the user's asset information and credit information, etc.
  • the transaction information contains the buyer's asset information and the procedures for the authenticity of the credit information.
  • Step S20 determining the assets and transaction information associated with the account information to generate an asset digital voucher and generate a commitment performance letter, the content of which includes the buyer's payment amount, and the asset corresponding to the asset amount of the asset digital voucher is isolated;
  • the buyer’s account information contains the asset digitization voucher, and the asset digitization voucher is determined by the clearing device based on the user’s asset information and the amount corresponding to the credit information.
  • a user when a user registers on the clearing device, he can request the clearing device to generate an asset digital voucher based on the asset digital voucher function of the clearing device.
  • the clearing device obtains the user's asset information and credit information when receiving the request for generating digital asset vouchers.
  • Asset information refers to the user’s deposits in banks, the amount of fixed assets, etc.; while credit information refers to the user’s credit limit in financial institutions such as bank credit platform, etc., asset information and credit information are separated by mortgage, trust, identification, etc. , To determine the authenticity and assurance of asset information and credit information.
  • the assets of the asset digitization certificate are isolated, and the buyer cannot use the asset corresponding to the asset amount to conduct other transactions, that is, the asset corresponding to the asset amount is temporarily frozen.
  • the clearing device when the clearing device obtains the user's asset information and credit information, it needs to determine whether the asset information and credit information have various procedures of the relevant institutions. If so, it can determine that the asset information and credit information are authentic and guaranteed information , The clearing device responds to the user's request for generating digital asset vouchers. If not, output prompt information to prompt the buyer to provide relevant procedures.
  • the clearing device can determine the user's funds based on the asset information, and can determine the user's credit limit based on the credit information.
  • the clearing device can generate a user's asset digital voucher based on the asset amount, asset information, and credit information.
  • the asset digital voucher can contain the user's asset amount, asset name, asset value, credit limit, and so on.
  • the clearing device then associates the asset digital certificate with the user's account information and saves it. When a user needs to make a transaction payment, the user becomes a buyer.
  • the clearing device After obtaining the buyer's account information, the clearing device determines the digital asset vouchers associated with the account information. The clearing device then generates a promise performance letter based on the transaction information.
  • the promise performance letter contains the amount of the transaction between the buyer and the seller, that is, the promise performance letter includes the buyer's payment amount.
  • the commitment performance letter contains the time for the buyer to pay, which can be the current time or the time agreed by the buyer and seller.
  • Step S30 Associate the commitment performance letter and the asset digitized voucher with the seller’s account information corresponding to the clearing instruction and transfer it to the seller to complete the buyer’s transaction payment to the seller and realize the payment function.
  • the clearing device After the clearing device generates the commitment performance letter, it can send the commitment performance letter and asset digital vouchers to the seller’s account information, so as to associate the commitment performance letter and asset digital vouchers with the seller’s account information, so that the asset digital vouchers can complete the circulation, thereby Complete the buyer’s payment for the seller’s transaction.
  • the commitment performance letter and asset digitization certificate associated with the seller’s account information can determine that the seller holds a part of the buyer’s assets, and the amount of this part of the asset is what the buyer needs to pay to the seller in this transaction Amount.
  • the clearing device can be a third-party platform, which can be installed on the bank’s bank-enterprise platform or on this platform.
  • Buyers can issue clearing instructions based on electronic platforms such as private chains, alliance chains, and public chains, Internet platforms, mobile Internet platforms, cloud platforms, and big data platforms, and then the electronic platforms send the clearing instructions to the clearing device.
  • the clearing device obtains the buyer’s account information and transaction information when receiving a clearing instruction, financing request, or loan request, and determines the digital asset vouchers associated with the account information, and generates the buyer’s account information based on the transaction information.
  • the asset digitization voucher and the commitment performance letter can ensure that the buyer fulfills the payment obligation, and simplifies the settlement process for both parties on the premise of guaranteeing the seller’s rights and interests.
  • the received asset digital vouchers can also be used to apply for financing loans from the funder to realize the credit function.
  • a settlement center has been established. Buyers and sellers, banks and other participants all open virtual accounts in the settlement center for clearing purposes, and collect and pay funds through the bank accounts of related entities, ensuring the feasibility of the application plan.
  • the seller can use the asset digital voucher associated with the account information to conduct a third-party transaction, that is, the seller splits and transfers the asset digital voucher paid by the buyer to the seller to a third party to realize the transaction between the seller and the third party. Since the digital asset vouchers represent assets, the seller can also apply for financing with the buyer’s digital asset vouchers. Alternatively, the seller can also wait for the current time to reach the time agreed in the commitment performance letter, so as to obtain the amount of the asset digital certificate held in the commitment performance letter. Therefore, based on the liquidity of asset digital vouchers, the roles of the seller and the buyer are interchangeable.
  • the buyer can provide the seller with a third-party asset digitization certificate held by the buyer, so that the buyer can split and transfer the third-party asset digitization certificate to the seller.
  • the asset digitization vouchers associated with the buyer's account information include the buyer's own asset digitization vouchers, the received third-party asset digitization vouchers, or the buyer's own asset digitization vouchers and third-party asset digitization vouchers.
  • the clearing device ensures that the circulation of the digital asset vouchers on various electronic platforms is feasible, and makes the circulation of the digital asset vouchers smooth.
  • the assets or property rights of enterprises can be digitized and transferred in the form of electronic vouchers to revitalize the assets of the enterprise; at the same time, these assets or property rights can be mortgaged to the bank to apply for a payment line, so that these assets or property rights can be used. It is legally independent and isolated, and it can also guarantee assets, property rights, own assets, or financial power to handle trust plan agencies to issue asset digitization vouchers, so that the value of the issued asset digitization vouchers can be guaranteed and can be digitized through assets
  • the voucher realizes the payment function and the credit function.
  • Fig. 3 is a second embodiment of a method for clearing a circulation payment based on an asset digitized certificate according to the present application. Based on the first embodiment, after the step S30, the method further includes:
  • Step S40 Determine the amount of the asset digitization certificate and the payment amount of the promised performance letter
  • step S50 the asset amount of the asset digitization voucher associated with the buyer's account information is updated according to the payment amount, so as to deduct and separate the asset amount.
  • the asset digital voucher associated with the buyer's account information needs to be updated. Specifically, after the buyer provides the seller with the asset digitization certificate and the commitment performance letter, the buyer actually mortgages a part of the assets to the seller. Therefore, the buyer's mortgageable funds need to be reduced, that is, the amount of assets needs to be reduced. Therefore, the clearing device determines the payment amount of the promised performance letter, and then subtracts the payment amount from the asset amount of the asset digital certificate associated with the buyer’s account information to complete the deduction and separation of the asset amount, thereby updating the asset digital certificate so that the buyer can use the update After the asset digitization vouchers for other transactions.
  • the clearing device updates the available asset amount of the buyer’s asset digitized vouchers after sending the asset digitization voucher and the commitment performance letter to the seller to associate, so as to prevent the available asset amount of the asset digitization voucher from not being updated.
  • the seller’s income is not guaranteed.
  • Fig. 4 is a third embodiment of a method for clearing a circulation payment based on an asset digitized certificate according to the present application. Based on the first or second embodiment, after the step S20, the method further includes:
  • Step S60 sending the promise performance letter and the asset digitization certificate to the terminal corresponding to the seller, so that the seller can confirm the promise performance letter and the asset digitization certificate;
  • Step S70 upon receiving the confirmation information sent based on the terminal corresponding to the seller, execute the step of associating the commitment performance letter and the asset digitization voucher with the seller's account information corresponding to the clearing instruction.
  • the clearing device when it generates the commitment performance letter, it can send the commitment performance letter and the asset digitization certificate to the seller's corresponding terminal.
  • the seller can view the payment amount and performance time in the commitment performance letter and asset digital vouchers to determine whether the payment amount and the performance amount are correct. If there is no problem, the seller can send confirmation information to the clearing device based on the clearing APP of the terminal.
  • the clearing device After receiving the confirmation information sent by the seller, the clearing device can confirm that the seller confirms that the commitment performance letter and asset digital vouchers are correct. The clearing device then sends the commitment performance letter and asset digital vouchers to the seller’s account to send the seller’s account information and commitments The performance letter and the asset digital vouchers are associated to complete the buyer’s payment for the seller’s transaction.
  • the clearing device does not receive the confirmation information sent by the two within the preset time period, it interrupts the buyer's transaction payment to the seller, and outputs a clearing overtime prompt message to the corresponding terminals of both parties.
  • the clearing device receives the denial information sent by at least one party, it interrupts the buyer's transaction payment to the seller.
  • the clearing device after generating the commitment performance letter, the clearing device sends the commitment performance letter and the asset digitization certificate to the buyer and the seller for confirmation by both parties, so as to avoid loss of one of the seller and the buyer.
  • Fig. 5 is a fourth embodiment of a method for clearing a circulation payment based on an asset digitized certificate according to this application. Based on any one of the first to third embodiments, the step S20 includes:
  • Step S21 determining the amount of the asset digitization voucher, and determining the payment amount according to the transaction information
  • Step S22 judging whether the asset amount is greater than or equal to the payment amount
  • Step S23 Generate a commitment performance letter based on the asset and transaction information associated with the account information.
  • the buyer may use asset digital vouchers to make transaction payments for multiple sellers. And every transaction payment will reduce the asset amount of the asset digitization certificate. Therefore, in the current transaction, the mortgage amount of the asset digital certificate may be less than the amount paid by the buyer to the seller.
  • the clearing device determines the mortgage amount of the asset digitization voucher and obtains the payment amount in the transaction information to determine whether the asset amount is greater than the payment amount. If the asset digitization is greater than the payment amount, Based on the transaction information, a commitment performance letter is generated. If the asset digitization is less than or equal to the payment amount, a prompt message indicating that the balance of the asset digitization voucher amount is insufficient is output to the terminal corresponding to the buyer.
  • the clearing device after determining the asset digitization voucher, obtains the asset amount of the asset digitization voucher, and determines the buyer's amount to be paid according to the transaction information, thereby judging whether the asset amount is greater than the amount to be paid, thereby So that the seller's payment will not be reduced, and the seller's rights and interests are guaranteed.
  • a unified settlement center is established, and the buyers and sellers and the funder open virtual accounts in the settlement center.
  • the funder includes but is not limited to a bank. That is, the clearing device is connected to the clearing center.
  • the clearing center corresponding to the clearing device will settle the income and expenditure at the end of each day.
  • the clearing center determines the asset digitization voucher issued, and the asset digitization voucher issued may be the amount of assets delivered by the buyer to the seller.
  • the clearing center obtains the amount of assets delivered by the buyer to the seller based on the buyer, that is, the clearing device sends information to the terminal corresponding to each buyer who issued the asset digitized certificate, so that each buyer sends the amount of the asset issued to the clearing center.
  • the clearing center will also determine the expired asset digitized vouchers, and the expired asset digitized vouchers will be held by the seller. Therefore, the clearing center will enter the digitized amount of the expired asset digitization voucher into the seller's corresponding trading account, and delete the expired asset digitization voucher to complete the payment of the seller's payment by the clearing center, that is, the settlement center is associated with the bank of the buyer and the seller Entity account to realize the receipt and payment of funds in the bank entity account.
  • the clearing center can calculate the current netting based on the total amount of the digital asset vouchers issued and the total amount of the asset digital vouchers due for payment.
  • the circulation payment device will credit the payment into the payment account of the seller corresponding to the expired asset digitized certificate, thereby ensuring the seller's income.
  • the present application also provides a flow payment clearing device, which includes a memory, a processor, and a clearing program stored in the memory and capable of running on the processor, and the clearing program is executed by the processor. When executed, each step of the method for clearing the circulation payment based on the digital asset vouchers as described in the above embodiment is realized.
  • the application also provides a storage medium that stores a clearing program, and when the clearing program is executed by a processor, each step of the above-mentioned transfer payment clearing method based on asset digital vouchers is realized.
  • the technical solution of this application essentially or the part that contributes to the existing technology can be embodied in the form of a software product, and the computer software product is stored in a storage medium (such as ROM/RAM) as described above. , Magnetic disks, optical disks), including several instructions to make a terminal device (which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) execute the method described in each embodiment of the present application.
  • a terminal device which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé de circulation, de paiement et de compensation basé sur un certificat numérique d'actifs. Le procédé de circulation, de paiement et de compensation basé sur un certificat numérique d'actifs comprend les étapes suivantes consistant à : acquérir les informations de compte et les informations de transaction d'un acheteur lorsque des informations prédéfinies sont reçues, les informations prédéfinies comprenant une instruction de compensation, une demande de financement ou une demande de prêt (S10) ; déterminer les informations d'actifs et de transactions associées aux informations de compte afin de générer un certificat numérique d'actifs et une caution d'exécution d'engagement, dont le contenu comprend un montant de paiement de l'acheteur et le fait que les actifs correspondant à un montant d'actifs du certificat numérique d'actifs sont isolés (S20) ; et associer la caution d'exécution d'engagement et le certificat numérique d'actifs aux informations de compte d'un vendeur correspondant à l'instruction de compensation, puis transférer celle-ci au vendeur pour terminer le paiement de transaction de l'acheteur au vendeur, de façon à réaliser une fonction de paiement (S30).
PCT/CN2020/102688 2019-11-22 2020-07-17 Procédé et appareil de circulation, de paiement et de compensation basés sur un certificat numérique d'actifs, et support WO2021098250A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201911161891.8 2019-11-22
CN201911161891.8A CN110956453A (zh) 2019-11-22 2019-11-22 基于资产数字化凭证的流转支付清算方法及装置和介质

Publications (1)

Publication Number Publication Date
WO2021098250A1 true WO2021098250A1 (fr) 2021-05-27

Family

ID=69976739

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2020/102688 WO2021098250A1 (fr) 2019-11-22 2020-07-17 Procédé et appareil de circulation, de paiement et de compensation basés sur un certificat numérique d'actifs, et support

Country Status (2)

Country Link
CN (1) CN110956453A (fr)
WO (1) WO2021098250A1 (fr)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110956453A (zh) * 2019-11-22 2020-04-03 肖光昱 基于资产数字化凭证的流转支付清算方法及装置和介质
CN118014576A (zh) * 2020-08-05 2024-05-10 支付宝（中国）网络技术有限公司 支付数据处理方法、装置及电子设备
CN112613947A (zh) * 2020-12-25 2021-04-06 深圳市辰宝信息服务有限公司 大宗商品的快速交易方法、确权系统和可读存储介质
CN112766938A (zh) * 2020-12-31 2021-05-07 山东数字能源交易中心有限公司 一种关联账户的资产转出处理方法和装置
CN114978596B (zh) * 2022-04-24 2023-04-18 捷德(中国)科技有限公司 数字资产所有权的登记、处理方法及装置

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160260146A1 (en) * 2014-09-12 2016-09-08 Shenzhen Cifpay Network Bank Technology Co., Ltd. Capital receipt and payment system based on electronic voucher
CN108122099A (zh) * 2017-12-08 2018-06-05 平安科技（深圳）有限公司 产品清算的方法、装置、存储介质及终端
CN109034797A (zh) * 2018-06-26 2018-12-18 东莞市大易产业链服务有限公司 一种基于区块链技术的票据凭证支付方法
CN109146687A (zh) * 2018-08-15 2019-01-04 杭州复杂美科技有限公司 一种基于区块链技术的资产托管方法
CN110009485A (zh) * 2019-03-21 2019-07-12 东莞市大易产业链服务有限公司 一种基于区块链技术的数字资产支付结算方法
CN110956453A (zh) * 2019-11-22 2020-04-03 肖光昱 基于资产数字化凭证的流转支付清算方法及装置和介质

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106709802A (zh) * 2015-07-21 2017-05-24 深圳市银信网银科技有限公司 开立电子凭证的方法、系统和装置

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160260146A1 (en) * 2014-09-12 2016-09-08 Shenzhen Cifpay Network Bank Technology Co., Ltd. Capital receipt and payment system based on electronic voucher
CN108122099A (zh) * 2017-12-08 2018-06-05 平安科技（深圳）有限公司 产品清算的方法、装置、存储介质及终端
CN109034797A (zh) * 2018-06-26 2018-12-18 东莞市大易产业链服务有限公司 一种基于区块链技术的票据凭证支付方法
CN109146687A (zh) * 2018-08-15 2019-01-04 杭州复杂美科技有限公司 一种基于区块链技术的资产托管方法
CN110009485A (zh) * 2019-03-21 2019-07-12 东莞市大易产业链服务有限公司 一种基于区块链技术的数字资产支付结算方法
CN110956453A (zh) * 2019-11-22 2020-04-03 肖光昱 基于资产数字化凭证的流转支付清算方法及装置和介质

Also Published As

Publication number Publication date
CN110956453A (zh) 2020-04-03

Similar Documents

Publication Publication Date Title
WO2021098251A1 (fr) Procédé et dispositif de paiement et de règlement de certificat numérique d'actif basés sur une chaîne de blocs, et support
WO2021098250A1 (fr) Procédé et appareil de circulation, de paiement et de compensation basés sur un certificat numérique d'actifs, et support
US7908214B2 (en) Systems and methods for adjusting loan amounts to facilitate transactions
US8234212B2 (en) Systems and methods for facilitating transactions with interest
US7979349B2 (en) Systems and methods for adjusting crediting limits to facilitate transactions
US7962406B2 (en) Systems and methods for facilitating transactions
US7996307B2 (en) Systems and methods for facilitating transactions between different financial accounts
US7904385B2 (en) Systems and methods for facilitating budgeting transactions
US7925585B2 (en) Systems and methods for facilitating transactions with different account issuers
WO2021098252A1 (fr) Procédé et appareil de règlement de paiement basé sur une chaîne de blocs pour le transfert numérique de fonds et support
WO2021143081A1 (fr) Procédé et appareil d'opération numérique pour plateforme financière à chaîne d'approvisionnement de chaîne de blocs
JP6318243B2 (ja) 仲介業者によって媒介される支払いシステムおよび方法
WO2017098519A1 (fr) Système et procédé de validation, de traitement et de règlement automatisés de transaction financière au moyen de contrats intelligents à chaîne de blocs
US20090048885A1 (en) Systems and Methods for Facilitating Cost-Splitting Transactions
US20090048887A1 (en) Systems and Methods for Facilitating Transactions Involving an Intermediary
US20200118207A1 (en) Blockchain based invoice sales
JP2012501013A (ja) オフショアのビジネス取引のためのオンライン処理
WO2021063079A1 (fr) Procédé et système de circulation financière de chaîne d'approvisionnement de plateforme électronique, équipement terminal et support
CN109903159A (zh) 基于区块链的域名交易方法及装置
US20210256524A1 (en) Real-time resource tracking and lookup facility
CN113449340B (zh) 基于联盟链的存量房交易资金监管方法及装置
JP2007293867A (ja) 金融ローン、商品購入、およびサービス提供の仲介ための統合されたインターネットシステム
CN113034273A (zh) 资源处理方法及系统
KR20130083050A (ko) 가상계좌를 이용한 금융기관납부대행시스템 및 그 제어방법
KR20130089963A (ko) 에스크로 제도를 이용한 인터넷 부동산 담보 대출 시스템 및 방법

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 20890646

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 26/10/2022)

122 Ep: pct application non-entry in european phase

Ref document number: 20890646

Country of ref document: EP

Kind code of ref document: A1