WO2022082548A1 - Procédé et dispositif d'échange de jeton basés sur une blockchain - Google Patents

Procédé et dispositif d'échange de jeton basés sur une blockchain Download PDF

Info

Publication number
WO2022082548A1
WO2022082548A1 PCT/CN2020/122630 CN2020122630W WO2022082548A1 WO 2022082548 A1 WO2022082548 A1 WO 2022082548A1 CN 2020122630 W CN2020122630 W CN 2020122630W WO 2022082548 A1 WO2022082548 A1 WO 2022082548A1
Authority
WO
WIPO (PCT)
Prior art keywords
smart contract
token
payment system
account
contract payment
Prior art date
Application number
PCT/CN2020/122630
Other languages
English (en)
Chinese (zh)
Inventor
贾胜
Original Assignee
贾胜
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 贾胜 filed Critical 贾胜
Priority to PCT/CN2020/122630 priority Critical patent/WO2022082548A1/fr
Publication of WO2022082548A1 publication Critical patent/WO2022082548A1/fr

Links

Images

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
    • 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 embodiments of this specification relate to the field of network technologies, and in particular, to a blockchain-based token exchange method.
  • Blockchain technology also known as distributed ledger technology, is essentially a decentralized distributed Internet database.
  • a network using blockchain technology architecture can be regarded as a blockchain network.
  • the blockchain network includes multiple blockchain nodes. Any blockchain node can correspond to at least one blockchain, and any blockchain can Contains at least one block.
  • Tokens have been used by many people today, but they have not essentially jumped out of mainstream scenarios such as wallet transfers, exchange deposits and withdrawals, and multi-token swaps.
  • mainstream scenarios such as wallet transfers, exchange deposits and withdrawals, and multi-token swaps.
  • the financial properties of some digital currencies have been magnified by geometric multiples, and they are not suitable to play the role of payment media.
  • a system purely applied in the field of token payment has not appeared.
  • the centralized payment system supports huge transaction throughput, and financial institutions provide a perfect payment experience, allowing users to use the last payment method almost without thinking at the moment of payment; therefore, when a new payment method is created, Users need to be motivated to use and get used to new payment methods, and providing incentives for both payment parties during the payment process will help token payments achieve an orderly and rapid development.
  • the embodiments of this specification provide a blockchain-based token exchange method to solve the problems in the prior art that the payment system purely applied to the token payment field is lacking and users are encouraged to use and adapt.
  • a blockchain-based token exchange method including at least one account transferring tokens to at least one account with collection authority through a smart contract payment system according to order information;
  • the account immediately obtains the token and completes the transaction;
  • the smart contract payment system periodically issues rewards to eligible accounts; wherein the reward is the smart contract payment system token, and the total amount is fixed; the said has the right to receive payment After pledging the smart contract payment system token, the account of , obtains the right to receive payment;
  • the eligible accounts at least include: within the interval from the previous preset block height to the current preset block height, pay through smart contracts
  • the rules for issuing rewards include at least: transfer out and/or transfer in and/or the token according to each account The number of pledges and the sum of transaction data within the range will be rewarded to eligible accounts; and the issued smart contract payment system tokens will decrease over time.
  • an electronic device comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor, the computer program being executed by the processor based on a blockchain Token exchange method.
  • a computer-readable storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the The electronic device performs a blockchain-based token exchange method.
  • the smart contract payment system integrates a decentralized token exchange platform, and the token exchange platform is the first merchant that the smart contract payment system completes the transaction, and after the rewards are issued for the first time, the token exchange platform is The said token exchange platform enables the exchange function of said smart contract payment system token.
  • the block interval between two adjacent preset block heights is fixed.
  • the cycle of issuing rewards is as follows: based on the block height of the public chain where the smart contract payment system is located, each time the preset block height is reached, rewards will be issued to eligible accounts.
  • the account can pledge the smart contract payment system token in the smart contract payment system, it can obtain the collection authority, and the collection limit of the account with the collection authority is related to its pledged smart contract payment system token.
  • the token exchange platform directly has the right to receive payment, and when the reward is issued, the smart contract payment system automatically deducts the number of smart contract payment system tokens corresponding to its payment limit for pledge;
  • Rewards are issued to eligible accounts according to the number of tokens transferred out and/or in and/or pledged for each account and the sum of the transaction data within the range. Specifically: And/or the proportion of pledge ratio is automatically allocated to eligible accounts in the system.
  • the smart contract payment system automatically charges a certain percentage of the handling fee from the merchant account based on the transaction amount, and at least part of the handling fee is used to repurchase the smart contract payment system token and deposit it into the black hole account.
  • the above black hole account does not have the function of transferring out the token.
  • the smart contract payment system token deposited into the black hole account will be regularly announced and can be queried in the black hole account.
  • the smart contract payment system integrates a decentralized token exchange platform, and the token exchange platform is the first merchant that the smart contract payment system completes the transaction, and after the rewards are issued for the first time, the token exchange platform is The said token exchange platform enables the exchange function of said smart contract payment system token.
  • the present invention Based on the decentralized payment system, the present invention provides rewards for both payment parties during the payment process. At the same time, it completes the creation of the world through its own token exchange platform, and uses the economic model of deflation and halving to encourage users to use and get used to it. A new payment system to promote the development of token payment.
  • Figure 1 shows the structure of the traditional payment system
  • FIG. 2 is one of the exemplary diagrams of the payment system provided by the embodiment of this specification.
  • FIG. 3 is the second example diagram of the payment system provided by the embodiment of this specification.
  • FIG. 4 is a flowchart of a blockchain-based token exchange method provided by an embodiment of this specification.
  • FIG. 5 is an example diagram of reward distribution provided by the embodiment of this specification.
  • FIG. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present specification.
  • the method and system in the present invention ie, the smart contract payment system, also referred to as the smart capsule system in this application
  • the smart contract payment system only supports the circulation of tokens, and does not accept traditional legal currency or any other form of currency.
  • Token exchange system only supports the circulation of tokens, and does not accept traditional legal currency or any other form of currency.
  • the card issuer the transfer clearing organization, the acquirer, and the payment company are all essential and important roles.
  • the payee needs to conduct centralized auditing, and there are many steps in the payment process. It takes longer and costs more.
  • the smart contract will completely replace the above-mentioned roles.
  • the automatically executed smart contract recognizes the payer's request for settlement for the merchant, and directly distributes the corresponding token paid by the payer to the merchant's designated wallet accurately and in real time according to the agreed rules. All this is pre-set by the system after the payment behavior is triggered. automatic completion.
  • the smart contract payment system includes at least an accepting module, a smart contract module and a settlement module; the accepting module accepts a payment request from at least one account; the smart contract module identifies the payment request and automatically executes a smart contract Settlement for the merchant; the settlement module directly sends the token paid by the at least one account to the corresponding at least one account with the right to receive payment in real time to complete the transaction.
  • the merchant can immediately obtain the token collection fee deducted from the handling fee, and there is no need for the traditional T+1 or D+1 settlement waiting time.
  • the merchant's wallet is fully controlled by the merchant, and the collection process is safe and fast.
  • the smart contract payment system token is periodically issued to eligible accounts as payment rewards through the smart contract payment system; wherein, the account with the right to receive payment is pledged to the smart contract payment system After passing the certificate, the right to receive payment is obtained; the eligible accounts include at least: accounts that have completed transactions through the smart contract payment system within the interval from the previous preset block height to the current preset block height, and accounts that have completed transactions through the smart contract payment system.
  • the smart contract payment system pledges the account of the smart contract payment system token; the rules for issuing rewards include at least: according to the number of tokens transferred out and/or transferred in and/or pledged for each account and the sum of transaction data within the interval , and distribute rewards to eligible accounts.
  • the total circulation of the smart contract payment system token issued as a reward is set to be fixed, and the issuance decreases with time.
  • the total circulation of the smart contract payment system token is set to be fixed at 2.1 million.
  • the designated block reward will be issued at a certain block height, that is, based on the block height of the public chain where the smart contract payment system is located, each time the preset block height is reached, a reward will be issued to eligible accounts.
  • the token is halved every 2 years, a total of 12 years are issued, and there is no halving in the last 2 years.
  • the block interval is fixed. It is expected that one block will be generated every minute, and the reward will be distributed uniformly every 1440 blocks.
  • the condition for becoming a merchant is to meet the system requirements through staking. Successful staking will obtain merchant qualifications by yourself. Therefore, staking itself is an essential function of this exchange method for collection.
  • the collection limit of an account with collection authority is associated with its pledged smart contract payment system token. Even if the merchant's collection qualification is obtained, the total amount of the merchant's collection certificate within the block height is not unlimited.
  • the way to open the merchant's collection limit to obtain a higher amount is to pledge more smart contract payment system tokens; when the reward is issued in each block, the smart contract is based on the sum of the transaction data that can be made public on the chain, according to the token of each account.
  • the proportion of the transaction proportion is calculated based on the number of certificates transferred out and/or in and/or pledged, and is automatically allocated to eligible accounts in the system according to the proportion rules.
  • This exchange method uses a deflationary economic model. As a tool that can boost merchants to obtain great value, payment products are inherently capable of charging from merchants.
  • the fee collection model is the main profit model for payment products.
  • Visa the world's largest bank card organization
  • the Internet Payment giant Paypal charges between 2%-5%.
  • merchants also face a wide variety of single payment fees, cash withdrawal fees, and cross-border settlement fees. So, first of all, for each transaction, for example, 2% transaction fee, other than that, there is no other fee, and the system does not charge any fee to the user.
  • At least part of the handling fee is used to repurchase the smart contract payment system token and deposit it into the black hole account, and the black hole account does not have the function of transferring out the token. For example, taking out half of the fee income and continuously repurchasing the smart contract payment system tokens circulating in the market within a fixed period and destroying them.
  • the smart contract payment system token deposited into the black hole account will be regularly announced and can be queried in the black hole account.
  • the smart contract payment system can be integrated into any merchant system. Smart capsules help users and merchants complete the process of token exchange, commodity circulation or service delivery. It can be integrated in the merchant platform. As shown in Figure 3, the user pays the merchant for the merchant on the mobile terminal, computer and other platforms through the token wallet they hold, and obtains the information of successful payment feedback in real time to complete a smooth and safe transaction. payment process.
  • a typical implementation device is a computer.
  • the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or A combination of any of these devices.
  • Computer-readable media includes both persistent and non-permanent, removable and non-removable media, and storage of information may be implemented by any method or technology.
  • Information may be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), Flash Memory or other memory technology, Compact Disc Read Only Memory (CD-ROM), Digital Versatile Disc (DVD) or other optical storage, Magnetic tape cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission medium that can be used to store information that can be accessed by a computing device.
  • computer-readable media does not include transitory computer-readable media, such as modulated data signals and carrier waves.

Landscapes

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

Abstract

Procédé d'échange de jeton basé sur une blockchain comprenant les étapes suivantes : sur la base d'informations de commande, au moins un compte transfère un jeton à au moins un compte doté d'une autorité de collecte au moyen d'un système de paiement par smart contrat ; le compte doté de l'autorité de collecte acquiert immédiatement le jeton et exécute la transaction ; et le système de paiement par smart contrat émet périodiquement des récompenses à des comptes qui satisfont à des conditions. Le compte doté de l'autorité de collecte acquiert l'autorité de collecte après l'engagement du jeton du système de paiement par smart contrat.
PCT/CN2020/122630 2020-10-22 2020-10-22 Procédé et dispositif d'échange de jeton basés sur une blockchain WO2022082548A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2020/122630 WO2022082548A1 (fr) 2020-10-22 2020-10-22 Procédé et dispositif d'échange de jeton basés sur une blockchain

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2020/122630 WO2022082548A1 (fr) 2020-10-22 2020-10-22 Procédé et dispositif d'échange de jeton basés sur une blockchain

Publications (1)

Publication Number Publication Date
WO2022082548A1 true WO2022082548A1 (fr) 2022-04-28

Family

ID=81291377

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2020/122630 WO2022082548A1 (fr) 2020-10-22 2020-10-22 Procédé et dispositif d'échange de jeton basés sur une blockchain

Country Status (1)

Country Link
WO (1) WO2022082548A1 (fr)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20170011460A1 (en) * 2015-07-09 2017-01-12 Ouisa, LLC Systems and methods for trading, clearing and settling securities transactions using blockchain technology
CN110443701A (zh) * 2019-06-19 2019-11-12 远光软件股份有限公司 一种通证管理方法、供应链金融系统以及电子设备
CN111292185A (zh) * 2020-01-15 2020-06-16 盛合区块链科技发展(深圳)有限公司 一种基于区块链的通证分配方式及系统
CN111368340A (zh) * 2020-01-04 2020-07-03 链农(深圳)信息科技有限公司 基于区块链的通证安全校验方法、装置及硬件设备
CN111402049A (zh) * 2020-03-11 2020-07-10 北京价值互联科技有限公司 一种基于区块链抵押交易的挖矿方法

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20170011460A1 (en) * 2015-07-09 2017-01-12 Ouisa, LLC Systems and methods for trading, clearing and settling securities transactions using blockchain technology
CN110443701A (zh) * 2019-06-19 2019-11-12 远光软件股份有限公司 一种通证管理方法、供应链金融系统以及电子设备
CN111368340A (zh) * 2020-01-04 2020-07-03 链农(深圳)信息科技有限公司 基于区块链的通证安全校验方法、装置及硬件设备
CN111292185A (zh) * 2020-01-15 2020-06-16 盛合区块链科技发展(深圳)有限公司 一种基于区块链的通证分配方式及系统
CN111402049A (zh) * 2020-03-11 2020-07-10 北京价值互联科技有限公司 一种基于区块链抵押交易的挖矿方法

Similar Documents

Publication Publication Date Title
TWI756498B (zh) 資產轉移的回退處理方法及裝置、電子設備
CN109087190A (zh) 一种融资贷款方法和装置
US20090063332A1 (en) Flexible automatic savings programs
TW202004629A (zh) 資產轉移方法及裝置、電子設備
CN110020936B (zh) 基于区块链的资产管理方法及装置、电子设备
Grym Lessons learned from the world’s first CBDC
CN104346749A (zh) 基于抵押的网络借贷流程监控方法
CN110852747B (zh) 订单对账系统、方法及装置
EP3413258A1 (fr) Plateforme de négociation d'objets basée sur une monnaie de commerce internationale
US20110112956A1 (en) Credit facilities manager
JP7042637B2 (ja) プログラム、情報処理装置、情報処理方法及び仮想通貨取引システム
JP7208429B1 (ja) 情報処理装置、情報処理方法及び情報処理プログラム
KR102602177B1 (ko) 전자화폐 발행을 통한 부동산 거래 방법 및 시스템
US20190213679A1 (en) System to effect cross-border payment
JP2020173777A (ja) 債務返済システム及び債務管理方法
WO2022082550A1 (fr) Procédé et dispositif de gestion pour un système de paiement par smart contrat basé sur une blockchain
JP2020537278A (ja) 金属担保のデジタル通貨
WO2022082548A1 (fr) Procédé et dispositif d'échange de jeton basés sur une blockchain
WO2022082549A1 (fr) Système de paiement par contrat intelligent basé sur une chaîne de blocs
JP7212186B1 (ja) 情報処理システム、情報処理方法及び情報処理プログラム
TW202121314A (zh) 基於區塊鏈的去中心化金融投資系統
CN110874795A (zh) 不动产商品相关的金融系统及其管理方法
JP2023015266A (ja) 電子情報の処理システムで適用される管理サーバ
CN109389488A (zh) 基于动态质押的资源转移方法、系统和电子设备
WO2022082547A1 (fr) Système de contrat intelligent basé sur une chaîne de blocs

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: 20958131

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 09.08.2023)

122 Ep: pct application non-entry in european phase

Ref document number: 20958131

Country of ref document: EP

Kind code of ref document: A1