WO2022142437A1 - 一种数字货币定向交易的方法及系统 - Google Patents

一种数字货币定向交易的方法及系统 Download PDF

Info

Publication number
WO2022142437A1
WO2022142437A1 PCT/CN2021/116381 CN2021116381W WO2022142437A1 WO 2022142437 A1 WO2022142437 A1 WO 2022142437A1 CN 2021116381 W CN2021116381 W CN 2021116381W WO 2022142437 A1 WO2022142437 A1 WO 2022142437A1
Authority
WO
WIPO (PCT)
Prior art keywords
currency
payee
digital
wallet
information
Prior art date
Application number
PCT/CN2021/116381
Other languages
English (en)
French (fr)
Inventor
李东声
Original Assignee
天地融科技股份有限公司
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 天地融科技股份有限公司 filed Critical 天地融科技股份有限公司
Priority to JP2022578632A priority Critical patent/JP7369310B2/ja
Priority to EP21913184.4A priority patent/EP4156059A4/en
Publication of WO2022142437A1 publication Critical patent/WO2022142437A1/zh
Priority to US17/986,791 priority patent/US20230070787A1/en

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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/407—Cancellation of a transaction

Definitions

  • the invention relates to the field of electronic technology, and in particular, to a method and system for directional transaction of digital currency.
  • the state special fund subsidy is a fund allocated by the state or relevant departments or higher-level departments with special designated purposes or special purposes. Such funds will require separate accounting, earmarked funds for exclusive use and cannot be used for other purposes.
  • a special agency is often required to review and supervise the use of the fund, which is labor-intensive and prone to fraud. How to use the technical characteristics of digital currency to better ensure the dedicated use of funds is a question worthy of study.
  • the present invention aims to solve the above-mentioned problems.
  • the main purpose of the present invention is to provide a method for directional transaction of digital currency
  • Another object of the present invention is to provide a system for directional transaction of digital currency.
  • One aspect of the present invention provides a method for directional transaction of digital currency, comprising: a payer wallet receiving a directional digital currency issued by an issuing device, wherein the directional digital currency is generated by the issuing device after writing a directional identification into the digital currency, wherein,
  • the directional identification includes at least one of the following: currency use attribute, payee attribute and currency circulation attribute;
  • the payer wallet stores the directional digital currency;
  • the payer wallet establishes communication with the payee wallet, and receives the payment instruction sent by the payee wallet , where the payment instruction at least includes: the payment amount, the identity information of the payee, the currency usage information and the information of the payee;
  • the wallet of the payer verifies the identity of the wallet of the payee according to the identity information of the payee, and the If the wallet identity is passed, select the digital currency combination to be paid according to the payment amount;
  • the payer wallet verifies whether the currency use attribute of all digital currencies in the digital currency combination conforms to the currency use information,
  • the operation of selecting the digital currency combination to be paid according to the payment amount is performed. If there is no remaining digital currency combination, then Terminate the transaction; the payer's wallet generates payment information when it verifies that the currency use attributes of all digital currencies in the digital currency portfolio conform to the currency use information, the payee attributes conform to the payee information, and the currency flow attributes conform to the preset attributes , wherein the payment information includes at least the digital currency combination and the payment data chain generated by the payment operation on the digital currency combination; the payer's wallet sends the payment information to the payee's wallet; the payee's wallet verifies all digital currencies in the digital currency combination Whether the currency use attribute, payee attribute and currency circulation attribute of the wallet meet the preset restrictions; the payee wallet verifies that the currency use attribute, payee attribute and currency circulation attribute of all digital currencies in the digital currency combination meet the preset restrictions In the case of restrictions, verify the payment data chain, and store the payment information after the payment data chain is verified; the paye
  • Another aspect of the present invention provides a system for directional digital currency transactions, including: a payer's wallet and a payee's wallet; wherein: the payer's wallet is used to receive the directional digital currency issued by the issuing device, wherein the directional digital currency is issued by Generated after the issuing device writes the directional identification into the digital currency, wherein the directional identification includes at least one of the following: currency use attribute, payee attribute and currency circulation attribute; store the directional digital currency; establish communication with the payee's wallet, receive The payment instruction sent by the payee's wallet, where the payment instruction at least includes: the amount of the payment, the identity information of the payee, the currency usage information and the information of the payee; the identity of the payee's wallet is verified according to the identity information of the payee, And in the case of verifying the identity of the recipient's wallet, select the digital currency combination to be paid according to the received amount; verify whether the currency use attribute of all digital currencies in the digital currency combination conforms to the currency
  • the operation of selecting the digital currency combination to be paid according to the payment amount is performed. If there is no remaining digital currency combination, then Terminate the transaction; in the case of verifying that the currency use attributes of all digital currencies in the digital currency portfolio conform to the currency use information, the payee attributes conform to the payee information, and the currency circulation attributes conform to the preset attributes, the payment information is generated, among which, The payment information includes at least the digital currency combination and the payment data chain generated by the payment operation on the digital currency combination; the payment information is sent to the payee's wallet; the payee's wallet is used to verify the currency use of all digital currencies in the digital currency combination Whether the attributes, payee attributes and currency circulation attributes meet the preset restrictions; verify the payment when the currency use attributes, payee attributes and currency circulation attributes of all digital currencies in the digital currency portfolio meet the preset restrictions data chain, and store payment information after the payment data chain is verified; in the case of verifying that at least one of the currency use attributes, payee attributes and currency
  • the present invention provides a method and system for directional transaction of digital currency.
  • the payer's wallet receives the directional digital currency issued by the issuing device, and when paying the directional digital currency, it stores the directional digital currency from all Choose a combination of digital currencies for payment from the digital currencies of your wallet. Only when the selected combination of digital currencies meets the conditions, will the payment be made to the payee's wallet. The payee's wallet will receive the payment information and store the payment information after the verification is passed. Completed The payment of directional digital currency ensures that the special funds are used exclusively.
  • FIG. 1 is a flowchart of a method for directional transaction of digital currency provided by an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a system for directional transaction of digital currency provided by an embodiment of the present invention.
  • FIG. 1 shows a flowchart of a method for directional transaction of digital currency provided by an embodiment of the present invention.
  • the method for directional transaction of digital currency provided by an embodiment of the present invention includes:
  • the payer's wallet receives the directional digital currency issued by the issuing device, wherein the directional digital currency is generated by the issuing device after writing the directional identification into the digital currency, wherein the directional identification includes at least one of the following: currency use attribute, payee properties and currency transfer properties.
  • the issuing device writes the directional identification into the digital currency to generate the directional digital currency, so that when the directional digital currency is used in the future, only directional payment can be made, thereby It can better ensure that special funds are dedicated.
  • Orientation identifiers can include currency usage attributes, payee attributes, and currency flow attributes, where:
  • the currency use attribute is used to specify the use of digital currency, such as scientific research use, equipment purchase use, consultant fees, etc.
  • the currency use attribute can be determined according to actual needs;
  • the payee attribute is used to specify the payee of the digital currency payment, such as a university, an organization in a certain field, a technology enterprise, etc.
  • the payee attribute can also be determined according to actual needs;
  • the currency transfer attribute is used to specify whether the digital currency can be transferred. If the digital currency transfer attribute is transferable, it means that the directional digital currency can be transferred. If the digital currency attribute is not transferable, it cannot be transferred.
  • the payer's wallet stores directional digital currency.
  • a wallet is a device for storing digital currency and paying for digital currency.
  • the payer's wallet stores the directional digital currency.
  • the payer's wallet in the present invention is the wallet used by the object issued by the issuing device. For example, if the issuing device is issued to a university, the payer's wallet is the university's wallet.
  • the payer's wallet establishes communication with the payee's wallet, and receives a payment instruction sent by the payee's wallet, wherein the payment instruction at least includes: the payment amount, the payee's identity information, the currency usage information, and the payee's information .
  • the payer's wallet and the payee's wallet can establish a wired connection or a wireless connection.
  • the wired connection can be, for example, a USB connection
  • the wireless connection can be, for example, an NFC connection. It can be connected directly or indirectly through a terminal. There is no specific limitation in the invention.
  • the payment instruction sent by the payee's wallet is received, and the payment instruction includes the payment amount, the payee's identity information, the currency usage information, and the payee's information.
  • the payment instruction may include: the payment amount of 200,000 yuan, the certificate of the recipient's wallet, the usage information of the purchased device, and the information that the recipient is XX company, so that the payment recipient's wallet can be notified to verify whether it can Payment directional digital currency.
  • the payer's wallet verifies the identity of the payee's wallet according to the payee's identity information, and selects the digital currency combination to be paid according to the received amount when the identity of the payee's wallet is verified.
  • the payee's wallet verifies the payee's identity according to the payee's identity information, for example, it can verify the certificate of the payee's wallet.
  • the digital currency combination to be paid will only be selected if the wallet identity is legal.
  • the digital currency combination in the present invention may be one digital currency, or may be a combination formed by multiple digital currencies.
  • the payer's wallet verifies whether the currency use attributes of all digital currencies in the digital currency combination conform to the currency use information, whether the payee attributes conform to the payee information, and whether the currency circulation attributes conform to preset attributes.
  • the payer's wallet will determine whether the currency use attribute of all digital currencies in the digital currency combination conforms to the currency use information sent by the payee's wallet, such as the use information of the purchased equipment, and will Determine whether the payee attribute in the digital currency combination matches the payee information sent by the payee wallet, such as XX company, and determine whether the currency transfer attribute is transferable.
  • the payer wallet verifies that the currency use attributes of all digital currencies in the digital currency combination do not conform to the currency use information, the payee attributes do not conform to the payee information, and/or the currency circulation attributes do not conform to the preset attributes. , determine whether there is a remaining digital currency combination, if there is a remaining digital currency combination, execute the operation of selecting the digital currency combination to be paid according to the received amount, and terminate the transaction if there is no remaining digital currency combination.
  • the payer wallet generates payment information when it verifies that the currency use attributes of all digital currencies in the digital currency combination conform to the currency use information, the payee attributes conform to the payee information, and the currency circulation attributes conform to the preset attributes.
  • the payment information includes at least a digital currency combination and a payment data chain generated by performing a payment operation on the digital currency combination.
  • the payer's wallet verifies that the currency usage of all digital currencies in the digital currency combination does not conform to the currency usage information, the payee attribute does not conform to the payee information, and the currency transfer attribute is not any of the transferable attributes, then Judging the remaining currency, if there is remaining currency, return to execute the operation of selecting the combination of digital currency to be paid according to the received amount in S4, and determine whether it meets the conditions, until all the stored digital currency is verified, if not satisfied If the conditions are met, it is considered that there is not enough digital currency for payment, and the transaction is terminated. If there is a combination of digital currencies that meets the conditions, the operation of generating payment information described in S7 is performed.
  • the payment information includes each digital currency in the digital currency combination, and a payment data chain obtained by calculating the digital currency by the payer's wallet, and the payment data chain can record the information of this transaction.
  • the payee wallet verifies whether the currency use attributes, payee attributes and currency circulation attributes of all digital currencies in the digital currency combination meet the preset restrictions;
  • the payee wallet verifies the payment data chain under the condition that the currency use attribute, payee attribute and currency circulation attribute of all the digital currencies in the digital currency combination meet the preset restrictions, and the payment data chain is verified and passed post-store payment information;
  • the payee's wallet terminates the transaction under the condition that at least one of the currency use attributes, payee attributes and currency circulation attributes of all digital currencies in the digital currency combination does not meet the preset limit.
  • the payer's wallet After the payer's wallet completes the payment operation, it sends the payment information to the payee's wallet. At this time, the payee's wallet will also check the currency usage attributes, payee attributes and properties of all digital currencies in the digital currency combination. Whether the currency circulation attribute satisfies the preset restrictions, that is, whether the currency use attribute conforms to the currency use information, whether the payee attribute conforms to the payee information, and whether the currency circulation attribute conforms to the preset attribute (that is, it can be circulated), if all are satisfied, then Verify the payment data chain to ensure that the transaction is authentic and valid, and store the payment information after the payment data chain is verified. If any of the above conditions are not met, the transaction will be terminated.
  • the preset restrictions that is, whether the currency use attribute conforms to the currency use information, whether the payee attribute conforms to the payee information, and whether the currency circulation attribute conforms to the preset attribute (that is, it can be circulated)
  • the payer's wallet receives the directional digital currency issued by the issuing device, and selects a combination of digital currencies from all stored digital currencies when paying for the directional digital currency. Payment, only when the selected digital currency combination meets the conditions, will the payment be made to the payee's wallet, and the payee's wallet will receive the payment information and store the payment information after verification to complete the targeted digital currency payment, thus ensuring that Exclusive use.
  • FIG. 2 shows a schematic structural diagram of a system for directional transaction of digital currency provided by an embodiment of the present invention.
  • the system for directional transaction of digital currency is applied to the above method. Only the structure and functions of the system for directional transaction of digital currency are briefly described below. , for other unresolved matters, please refer to the relevant description in the above-mentioned method for directional transaction of digital currency.
  • the system for directional transaction of digital currency provided by the embodiment of the present invention includes: a payer's wallet and a payee's wallet; wherein:
  • the payer's wallet is used to receive the directional digital currency issued by the issuing device, wherein the directional digital currency is generated by the issuing device after writing the directional identification into the digital currency, wherein the directional identification includes at least one of the following: currency use attribute, payment collection party attributes and currency transfer attributes; store directional digital currency; establish communication with the payee’s wallet, and receive the payment instruction sent by the payee’s wallet, wherein the payment instruction at least includes: the amount of the payment, the identity information of the payee, the currency Use information and payee information; verify the identity of the payee's wallet according to the payee's identity information, and select the digital currency combination to be paid according to the received amount when the identity of the payee's wallet is verified; verify the digital currency combination Whether the currency use attributes of all the digital currencies in the coinage match the currency use information, whether the payee attributes match the payee information, and whether the currency circulation attributes meet the preset attributes; verify the currency use attributes of all digital currencies in the digital currency combination
  • the payee attribute does not conform to the payee information, and/or the currency circulation attribute does not conform to the preset attribute, it is determined whether there is a remaining digital currency combination, and if there is a remaining digital currency combination, execute according to The operation of selecting the digital currency combination to be paid for the payment amount. If there is no remaining digital currency combination, the transaction will be terminated; it is verified that the currency use attribute of all digital currencies in the digital currency combination conforms to the currency use information, and the payee attribute conforms to the receiving party.
  • Party information and when the currency circulation attribute conforms to the preset attribute, generate payment information, wherein the payment information at least includes the digital currency combination and the payment data chain generated by the payment operation on the digital currency combination; send the payment information to the payee wallet;
  • the payee wallet is used to verify whether the currency use attributes, payee attributes and currency circulation attributes of all digital currencies in the digital currency combination meet the preset restrictions; when verifying the currency use attributes, If both the payee attribute and the currency circulation attribute meet the preset restrictions, verify the payment data chain, and store the payment information after the payment data chain is verified; If at least one of the payment party attribute and the currency circulation attribute does not meet the preset limit, the transaction will be terminated.
  • the payer's wallet receives the directional digital currency issued by the issuing device, and selects a combination of digital currencies from all stored digital currencies when paying for the directional digital currency. Payment, only when the selected digital currency combination meets the conditions, will the payment be made to the payee's wallet.
  • the payee's wallet receives the payment information and stores the payment information after verification to complete the targeted digital currency payment, thus ensuring that Exclusive use.

Abstract

一种数字货币定向交易的方法及系统，付款方钱包接收签发装置签发的定向数字货币，在支付该定向数字货币时，从全部存储的数字货币中选择数字货币组合进行支付，只有在选择的数字货币组合符合条件时，才会向收款方钱包进行支付，收款方钱包接收到支付信息且验证通过后存储该支付信息，完成定向数字货币的支付，从而保证了专款专用。

Description

一种数字货币定向交易的方法及系统
相关申请的交叉引用
本申请要求天地融科技股份有限公司于2020年12月31日提交的、发明名称为“一种数字货币定向交易的方法及系统”的、中国专利申请号“202011637488.0”的优先权。
技术领域
本发明涉及电子技术领域，尤其涉及一种数字货币定向交易的方法及系统。
背景技术
国家专项资金补助，是国家或有关部门或上级部门下拨的具有专门指定用途或特殊用的资金。这种资金都会要求进行单独核算，专款专用，不能挪作他用。而传统模式下，资金补助下发至账户后，往往需要专门机构来对资金使用情况进行审核监管，耗费人力，且容易作假。如何利用数字货币的技术特点，更好地确保专款专用，是一个值得研究的问题。
发明内容
本发明旨在解决上述问题。
本发明的主要目的在于提供一种数字货币定向交易的方法；
本发明的另一目的在于提供一种数字货币定向交易的系统。
为达到上述目的，本发明的技术方案具体是这样实现的：
本发明一方面提供了一种数字货币定向交易的方法，包括：付款方钱包接收签发装置签发的定向数字货币，其中，定向数字货币由签发装置将定向标识写入数字货币后生成的，其中，定向标识至少包括以下之一：货币用途属性、收款方属性和货币流转属性；付款方钱包存储定向数字货币；付款方钱包与收款方钱包建立通信，接收收款方钱包发送的收款指令，其中，收款指令至少包括：收款金额、收款方身份信息、货币用途信息和收款方信息；付款方钱包根据收款方身份信息验证收款方钱包身份，并在验证收款方钱包身份通过的情况下，根据收款金额选取待支付的数字货币组合；付款方钱包验证数字货币组合中的全部数字货币的货币用途属性是否符合货币用途信息，收款方属性是否符合收款方信息，和货币流转属性是否符合预设属性；付款方钱包在验证数字货币组合中的全部数字货币的货币用途属性不符合货币用途信息，收款方属性不符合收款方信息，和/或货币流转属性不 符合预设属性的情况下，判断是否有剩余数字货币组合，如果有剩余数字货币组合，则执行根据收款金额选取待支付的数字货币组合的操作，如果没有剩余数字货币组合，则终止交易；付款方钱包在验证数字货币组合中的全部数字货币的货币用途属性符合货币用途信息，收款方属性符合收款方信息，且货币流转属性符合预设属性的情况下，生成支付信息，其中，支付信息至少包括数字货币组合和对数字货币组合进行支付操作生成的支付数据链；付款方钱包将支付信息发送至收款方钱包；收款方钱包验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性是否满足预设限制；收款方钱包在验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性均满足预设限制的情况下，核验支付数据链，并在支付数据链核验通过后存储支付信息；收款方钱包在验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性至少之一不满足预设限制的情况下，终止交易。
本发明又一方面提供了一种数字货币定向交易的系统，包括：付款方钱包和收款方钱包；其中：付款方钱包，用于接收签发装置签发的定向数字货币，其中，定向数字货币由签发装置将定向标识写入数字货币后生成的，其中，定向标识至少包括以下之一：货币用途属性、收款方属性和货币流转属性；存储定向数字货币；与收款方钱包建立通信，接收收款方钱包发送的收款指令，其中，收款指令至少包括：收款金额、收款方身份信息、货币用途信息和收款方信息；根据收款方身份信息验证收款方钱包身份，并在验证收款方钱包身份通过的情况下，根据收款金额选取待支付的数字货币组合；验证数字货币组合中的全部数字货币的货币用途属性是否符合货币用途信息，收款方属性是否符合收款方信息，和货币流转属性是否符合预设属性；在验证数字货币组合中的全部数字货币的货币用途属性不符合货币用途信息，收款方属性不符合收款方信息，和/或货币流转属性不符合预设属性的情况下，判断是否有剩余数字货币组合，如果有剩余数字货币组合，则执行根据收款金额选取待支付的数字货币组合的操作，如果没有剩余数字货币组合，则终止交易；在验证数字货币组合中的全部数字货币的货币用途属性符合货币用途信息，收款方属性符合收款方信息，且货币流转属性符合预设属性的情况下，生成支付信息，其中，支付信息至少包括数字货币组合和对数字货币组合进行支付操作生成的支付数据链；将支付信息发送至收款方钱包；收款方钱包，用于验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性是否满足预设限制；在验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性均满足预设限制的情况下，核验支付数据链，并在支付数据链核验通过后存储支付信息；在验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性至少之一不满足预设限制的情况下，终止交易。
由上述本发明提供的技术方案可以看出，本发明提供了一种数字货币定向交易的方法及系统，付款方钱包接收签发装置签发的定向数字货币，在支付该定向数字货币时，从全部存储的数字货币中选择数字货币组合进行支付，只有在选择的数字货币组合符合条件时，才会向收款方钱包进行支付，收款方钱包接收到支付信息且验证通过后存储该支付信息，完成定向数字货币的支付，从而保证了专款专用。
附图说明
为了更清楚地说明本发明实施例的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域的普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他附图。
图1为本发明实施例提供的数字货币定向交易的方法的流程图；
图2为本发明实施例提供的数字货币定向交易的系统的结构示意图。
具体实施方式
下面结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明的保护范围。
下面将结合附图对本发明实施例作进一步地详细描述。
图1示出了本发明实施例提供的数字货币定向交易的方法的流程图，参见图1，本发明实施例提供的数字货币定向交易的方法，包括：
S1，付款方钱包接收签发装置签发的定向数字货币，其中，定向数字货币由签发装置将定向标识写入数字货币后生成的，其中，定向标识至少包括以下之一：货币用途属性、收款方属性和货币流转属性。
具体地，在国家专项资金补助等具有定向性质的数字货币下发时，签发装置将定向标识写入数字货币生成定向数字货币，以便后续在使用该定向数字货币时，只能够进行定向支付，从而可以更好地确保专款专用。
定向标识可以包括货币用途属性、收款方属性和货币流转属性，其中：
货币用途属性，用于规定数字货币的用途，例如科研用途、设备购买用途、顾问费用等，该货币用途属性可以根据实际需求进行确定；
收款方属性，用于规定数字货币支付的收款方，例如为高校、某个领域的组织、科技企业等，该收款方属性也可以根据实际需求进行确定；
货币流转属性，用于规定数字货币是否可以流转，如果数字货币流转属性为可流转，则表示该定向数字货币可以进行转花，如果数字货币属性为不可流转，则不可进行转花。
S2，付款方钱包存储定向数字货币。
具体地，钱包为存储数字货币和支付数字货币使用的设备。付款方钱包存储该定向数字货币，本发明中的付款方钱包为签发装置签发的对象使用的钱包，例如，签发装置签发至某高校，则付款方钱包为该高校的钱包。
S3，付款方钱包与收款方钱包建立通信，接收收款方钱包发送的收款指令，其中，收款指令至少包括：收款金额、收款方身份信息、货币用途信息和收款方信息。
付款方钱包与收款方钱包可以建立有线连接也可以建立无线连接，有线连接例如可以为USB连接等，无线连接例如可以为NFC连接等；可以直接连接也可以间接通过终端进行连接，这在本发明中并不进行具体限制。
在付款方钱包与收款方钱包建立通信后，接收收款方钱包发送的收款指令，收款指令中包含收款金额、收款方身份信息、货币用途信息以及收款方信息。例如，该收款指令中可以包括：20万元的收款金额、收款方钱包的证书、购买设备的用途信息以及收款方为XX公司的信息，从而可以通知付款方钱包进行验证是否能够支付定向数字货币。
S4，付款方钱包根据收款方身份信息验证收款方钱包身份，并在验证收款方钱包身份通过的情况下，根据收款金额选取待支付的数字货币组合。
具体地，付款方钱包在根据收款方身份信息验证收款方身份时，例如可以对收款方钱包的证书进行验证，在验证通过后，确认该收款方钱包身份合法，在收款方钱包身份合法的情况下，才会选择待支付的数字货币组合。本发明中，值得说明的是，本发明中的数字货币组合可以为一个数字货币，也可以为多个数字货币形成的组合。
S5，付款方钱包验证数字货币组合中的全部数字货币的货币用途属性是否符合货币用途信息，收款方属性是否符合收款方信息，和货币流转属性是否符合预设属性。
具体地，付款方钱包在选取数字货币组合后，会判断该数字货币组合中的全部数字货币的货币用途属性是否符合收款方钱包发送的货币用途信息，例如：购买设备的用途信息，且会判断该数字货币组合中的收款方属性是否符合收款方钱包发送的收款方信息，例如XX公司，且判断货币流转属性是否为可流转。
S6，付款方钱包在验证数字货币组合中的全部数字货币的货币用途属性不符合货币用途信息，收款方属性不符合收款方信息，和/或货币流转属性不符合预设属性的情况下，判 断是否有剩余数字货币组合，如果有剩余数字货币组合，则执行根据收款金额选取待支付的数字货币组合的操作，如果没有剩余数字货币组合，则终止交易。
S7，付款方钱包在验证数字货币组合中的全部数字货币的货币用途属性符合货币用途信息，收款方属性符合收款方信息，且货币流转属性符合预设属性的情况下，生成支付信息，其中，支付信息至少包括数字货币组合和对数字货币组合进行支付操作生成的支付数据链。
具体地，付款方钱包在验证数字货币组合中的全部数字货币的货币用途不符合货币用途信息，收款方属性不符合收款方信息，货币流转属性不为可流转中的任意一个时，则进行剩余货币的判断，如果有剩余货币，则返回执行S4中根据收款金额选取待支付的数字货币组合的操作，并判断是否符合条件，直至将全部存储的数字货币进行验证，如果均不满足条件，则认为没有足够的数字货币支付，终止交易，如果有满足条件的数字货币组合，则执行S7记载的生成支付信息的操作。
其中，支付信息中包括数字货币组合中的每个数字货币，以及付款方钱包对数字货币进行计算得到的支付数据链，该支付数据链可以记录本次交易的信息。
S8，付款方钱包将支付信息发送至收款方钱包；
S9，收款方钱包验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性是否满足预设限制；
S10，收款方钱包在验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性均满足预设限制的情况下，核验支付数据链，并在支付数据链核验通过后存储支付信息；
S11，收款方钱包在验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性至少之一不满足预设限制的情况下，终止交易。
具体地，付款方钱包在执行完支付操作后，将支付信息发送至收款方钱包，此时收款方钱包也会对数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性是否满足预设限制，即货币用途属性是否符合货币用途信息，收款方属性是否符合收款方信息，和货币流转属性是否符合预设属性(即可流转)，如果均满足，则核验支付数据链，确保本次交易真实有效，并在支付数据链核验通过后，存储该支付信息。如果不满足上述条件任意之一，则终止交易。
由此可见，通过本发明实施例提供的数字货币定向交易的方法，付款方钱包接收签发装置签发的定向数字货币，在支付该定向数字货币时，从全部存储的数字货币中选择数字货币组合进行支付，只有在选择的数字货币组合符合条件时，才会向收款方钱包进行支付， 收款方钱包接收到支付信息且验证通过后存储该支付信息，完成定向数字货币的支付，从而保证了专款专用。
图2示出了本发明实施例提供的数字货币定向交易的系统的结构示意图，该数字货币定向交易的系统应用于上述方法，以下仅对该数字货币定向交易的系统的结构和功能进行简要说明，其他未尽事宜，请参考上述数字货币定向交易的方法中的相关描述，参见图2，本发明实施例提供的数字货币定向交易的系统，包括：付款方钱包和收款方钱包；其中：
付款方钱包，用于接收签发装置签发的定向数字货币，其中，定向数字货币由签发装置将定向标识写入数字货币后生成的，其中，定向标识至少包括以下之一：货币用途属性、收款方属性和货币流转属性；存储定向数字货币；与收款方钱包建立通信，接收收款方钱包发送的收款指令，其中，收款指令至少包括：收款金额、收款方身份信息、货币用途信息和收款方信息；根据收款方身份信息验证收款方钱包身份，并在验证收款方钱包身份通过的情况下，根据收款金额选取待支付的数字货币组合；验证数字货币组合中的全部数字货币的货币用途属性是否符合货币用途信息，收款方属性是否符合收款方信息，和货币流转属性是否符合预设属性；在验证数字货币组合中的全部数字货币的货币用途属性不符合货币用途信息，收款方属性不符合收款方信息，和/或货币流转属性不符合预设属性的情况下，判断是否有剩余数字货币组合，如果有剩余数字货币组合，则执行根据收款金额选取待支付的数字货币组合的操作，如果没有剩余数字货币组合，则终止交易；在验证数字货币组合中的全部数字货币的货币用途属性符合货币用途信息，收款方属性符合收款方信息，且货币流转属性符合预设属性的情况下，生成支付信息，其中，支付信息至少包括数字货币组合和对数字货币组合进行支付操作生成的支付数据链；将支付信息发送至收款方钱包；
收款方钱包，用于验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性是否满足预设限制；在验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性均满足预设限制的情况下，核验支付数据链，并在支付数据链核验通过后存储支付信息；在验证数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性至少之一不满足预设限制的情况下，终止交易。
由此可见，通过本发明实施例提供的数字货币定向交易的系统，付款方钱包接收签发装置签发的定向数字货币，在支付该定向数字货币时，从全部存储的数字货币中选择数字货币组合进行支付，只有在选择的数字货币组合符合条件时，才会向收款方钱包进行支付，收款方钱包接收到支付信息且验证通过后存储该支付信息，完成定向数字货币的支付，从而保证了专款专用。
尽管上面已经示出和描述了本发明的实施例，可以理解的是，上述实施例是示例性的，不能理解为对本发明的限制，本领域的普通技术人员在不脱离本发明的原理和宗旨的情况下在本发明的范围内可以对上述实施例进行变化、修改、替换和变型。本发明的范围由所附权利要求及其等同限定。

Claims (2)

  1. 一种数字货币定向交易的方法，其特征在于，包括：
    付款方钱包接收签发装置签发的定向数字货币，其中，所述定向数字货币由所述签发装置将定向标识写入数字货币后生成的，其中，所述定向标识至少包括以下之一：货币用途属性、收款方属性和货币流转属性；
    所述付款方钱包存储所述定向数字货币；
    所述付款方钱包与收款方钱包建立通信，接收所述收款方钱包发送的收款指令，其中，所述收款指令至少包括：收款金额、收款方身份信息、货币用途信息和收款方信息；
    所述付款方钱包根据所述收款方身份信息验证所述收款方钱包身份，并在验证所述收款方钱包身份通过的情况下，根据所述收款金额选取待支付的数字货币组合；
    所述付款方钱包验证所述数字货币组合中的全部数字货币的货币用途属性是否符合所述货币用途信息，收款方属性是否符合所述收款方信息，和所述货币流转属性是否符合预设属性；
    所述付款方钱包在验证所述数字货币组合中的全部数字货币的货币用途属性不符合所述货币用途信息，收款方属性不符合所述收款方信息，和/或所述货币流转属性不符合预设属性的情况下，判断是否有剩余数字货币组合，如果有剩余数字货币组合，则执行根据所述收款金额选取待支付的数字货币组合的操作，如果没有剩余数字货币组合，则终止交易；
    所述付款方钱包在验证所述数字货币组合中的全部数字货币的货币用途属性符合所述货币用途信息，收款方属性符合所述收款方信息，且所述货币流转属性符合预设属性的情况下，生成支付信息，其中，所述支付信息至少包括所述数字货币组合和对所述数字货币组合进行支付操作生成的支付数据链；
    所述付款方钱包将所述支付信息发送至所述收款方钱包；
    所述收款方钱包验证所述数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性是否满足预设限制；
    所述收款方钱包在验证所述数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性均满足预设限制的情况下，核验所述支付数据链，并在所述支付数据链核验通过后存储所述支付信息；
    所述收款方钱包在验证所述数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性至少之一不满足预设限制的情况下，终止交易。
  2. 一种数字货币定向交易的系统，其特征在于，包括：付款方钱包和收款方钱包；其中：
    所述付款方钱包，用于接收签发装置签发的定向数字货币，其中，所述定向数字货币由所述签发装置将定向标识写入数字货币后生成的，其中，所述定向标识至少包括以下之一：货币用途属性、收款方属性和货币流转属性；存储所述定向数字货币；与收款方钱包建立通信，接收所述收款方钱包发送的收款指令，其中，所述收款指令至少包括：收款金额、收款方身份信息、货币用途信息和收款方信息；根据所述收款方身份信息验证所述收款方钱包身份，并在验证所述收款方钱包身份通过的情况下，根据所述收款金额选取待支付的数字货币组合；验证所述数字货币组合中的全部数字货币的货币用途属性是否符合所述货币用途信息，收款方属性是否符合所述收款方信息，和所述货币流转属性是否符合预设属性；在验证所述数字货币组合中的全部数字货币的货币用途属性不符合所述货币用途信息，收款方属性不符合所述收款方信息，和/或所述货币流转属性不符合预设属性的情况下，判断是否有剩余数字货币组合，如果有剩余数字货币组合，则执行根据所述收款金额选取待支付的数字货币组合的操作，如果没有剩余数字货币组合，则终止交易；在验证所述数字货币组合中的全部数字货币的货币用途属性符合所述货币用途信息，收款方属性符合所述收款方信息，且所述货币流转属性符合预设属性的情况下，生成支付信息，其中，所述支付信息至少包括所述数字货币组合和对所述数字货币组合进行支付操作生成的支付数据链；将所述支付信息发送至所述收款方钱包；
    所述收款方钱包，用于验证所述数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性是否满足预设限制；在验证所述数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性均满足预设限制的情况下，核验所述支付数据链，并在所述支付数据链核验通过后存储所述支付信息；在验证所述数字货币组合中的全部数字货币的货币用途属性、收款方属性和货币流转属性至少之一不满足预设限制的情况下，终止交易。
PCT/CN2021/116381 2020-12-31 2021-09-03 一种数字货币定向交易的方法及系统 WO2022142437A1 (zh)

Priority Applications (3)

Application Number Priority Date Filing Date Title
JP2022578632A JP7369310B2 (ja) 2020-12-31 2021-09-03 デジタル通貨指向性取引の方法及びシステム
EP21913184.4A EP4156059A4 (en) 2020-12-31 2021-09-03 METHOD AND SYSTEM FOR DIRECTIONAL TRANSACTION OF DIGITAL CURRENCIES
US17/986,791 US20230070787A1 (en) 2020-12-31 2022-11-14 Digital currency directional transaction method and system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN202011637488.0 2020-12-31
CN202011637488.0A CN112613864A (zh) 2020-12-31 2020-12-31 一种数字货币定向交易的方法及系统

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US17/986,791 Continuation US20230070787A1 (en) 2020-12-31 2022-11-14 Digital currency directional transaction method and system

Publications (1)

Publication Number Publication Date
WO2022142437A1 true WO2022142437A1 (zh) 2022-07-07

Family

ID=75253113

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2021/116381 WO2022142437A1 (zh) 2020-12-31 2021-09-03 一种数字货币定向交易的方法及系统

Country Status (5)

Country Link
US (1) US20230070787A1 (zh)
EP (1) EP4156059A4 (zh)
JP (1) JP7369310B2 (zh)
CN (1) CN112613864A (zh)
WO (1) WO2022142437A1 (zh)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112613864A (zh) * 2020-12-31 2021-04-06 天地融科技股份有限公司 一种数字货币定向交易的方法及系统
CN113344573A (zh) * 2021-05-25 2021-09-03 北京极智数仓科技有限公司 数字货币可视化支付方法、系统、存储介质、数字货币钱包终端

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140337206A1 (en) * 2013-05-10 2014-11-13 Albert Talker Electronic Currency System
CN106651331A (zh) * 2016-12-22 2017-05-10 飞天诚信科技股份有限公司 一种基于数字货币的电子交易方法及系统
CN107369009A (zh) * 2017-06-26 2017-11-21 中国人民银行数字货币研究所 数字货币的支付方法和支付系统
CN108335103A (zh) * 2017-12-28 2018-07-27 中国人民银行数字货币研究所 一种基于数字货币的扣款方法和系统
CN111667273A (zh) * 2020-06-10 2020-09-15 中信银行股份有限公司 基于区域与主体的数字货币使用方法、装置及电子设备
CN111681053A (zh) * 2020-06-09 2020-09-18 青岛有容信息科技有限公司 一种收付链构建方法、装置、计算机设备及可读存储介质
CN112613864A (zh) * 2020-12-31 2021-04-06 天地融科技股份有限公司 一种数字货币定向交易的方法及系统

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2008269292A (ja) 2007-04-20 2008-11-06 Sony Corp 情報処理方法および端末装置
CN107330691B (zh) * 2017-06-26 2020-12-15 中国人民银行数字货币研究所 一种数字货币钱包支付的方法和系统
CN108985928A (zh) * 2018-06-07 2018-12-11 捷德（中国）信息科技有限公司 数字货币交易方法、装置、系统及移动终端
JP7308618B2 (ja) 2019-02-05 2023-07-14 株式会社野村総合研究所 仮想通貨管理方法
JP2020154856A (ja) 2019-03-20 2020-09-24 東芝テック株式会社 取引処理システム及び取引処理装置
CN110992008A (zh) * 2019-11-29 2020-04-10 深圳赛复科技有限公司 一种数字货币交易系统
CN111539720B (zh) * 2020-03-26 2022-04-05 郑州信大捷安信息技术股份有限公司 一种基于数字货币的可信交易方法和系统

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140337206A1 (en) * 2013-05-10 2014-11-13 Albert Talker Electronic Currency System
CN106651331A (zh) * 2016-12-22 2017-05-10 飞天诚信科技股份有限公司 一种基于数字货币的电子交易方法及系统
CN107369009A (zh) * 2017-06-26 2017-11-21 中国人民银行数字货币研究所 数字货币的支付方法和支付系统
CN108335103A (zh) * 2017-12-28 2018-07-27 中国人民银行数字货币研究所 一种基于数字货币的扣款方法和系统
CN111681053A (zh) * 2020-06-09 2020-09-18 青岛有容信息科技有限公司 一种收付链构建方法、装置、计算机设备及可读存储介质
CN111667273A (zh) * 2020-06-10 2020-09-15 中信银行股份有限公司 基于区域与主体的数字货币使用方法、装置及电子设备
CN112613864A (zh) * 2020-12-31 2021-04-06 天地融科技股份有限公司 一种数字货币定向交易的方法及系统

Also Published As

Publication number Publication date
CN112613864A (zh) 2021-04-06
EP4156059A4 (en) 2023-11-08
JP2023530018A (ja) 2023-07-12
US20230070787A1 (en) 2023-03-09
EP4156059A1 (en) 2023-03-29
JP7369310B2 (ja) 2023-10-25

Similar Documents

Publication Publication Date Title
US8417637B2 (en) Approving the use of the source of funds
US20110282780A1 (en) Method and system for determining fees and foreign exchange rates for a value transfer transaction
US20100191622A1 (en) Distributed Transaction layer
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
WO2022142437A1 (zh) 一种数字货币定向交易的方法及系统
CN109978542B (zh) 应付账款数据的管理方法、系统、存储介质和电子设备
WO2022142438A1 (zh) 一种数字货币定向交易的方法及系统
TW201642188A (zh) 一種金融服務系統及方法
KR20240018525A (ko) 사용자 계정 연계 결제 및 청구, 통합 디지털 청구인 결제 지갑을 위한 방법, 장치 및 시스템
TWI559238B (zh) Universal stored value card trading system
JP7258378B2 (ja) ブロックチェーンネットワークを介して支払取引を処理するためのシステム及び方法
TWI662493B (zh) Debit authorization method and system
WO2022254453A1 (en) Method and system for reprocessing a previously failed payment transaction
TWI537854B (zh) 電腦程式產品與操作方法
TW201946012A (zh) 國際匯款流程系統
WO2018154606A1 (en) A system and method for making secure digital payments using sub-domain in digital virtual address
TWM564211U (zh) 外幣提領系統

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: 21913184

Country of ref document: EP

Kind code of ref document: A1

ENP Entry into the national phase

Ref document number: 2022578632

Country of ref document: JP

Kind code of ref document: A

ENP Entry into the national phase

Ref document number: 2021913184

Country of ref document: EP

Effective date: 20221221

NENP Non-entry into the national phase

Ref country code: DE