WO2022142438A1 - 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

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Publication number
WO2022142438A1
WO2022142438A1 PCT/CN2021/116384 CN2021116384W WO2022142438A1 WO 2022142438 A1 WO2022142438 A1 WO 2022142438A1 CN 2021116384 W CN2021116384 W CN 2021116384W WO 2022142438 A1 WO2022142438 A1 WO 2022142438A1
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currency
payee
wallet
payment
digital currency
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PCT/CN2021/116384
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English (en)
French (fr)
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李东声
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天地融科技股份有限公司
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Publication of WO2022142438A1 publication Critical patent/WO2022142438A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • 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
    • G06Q20/30—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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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

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 use information and the information of the payee;
  • the payer's wallet determines whether to use the targeted digital currency for payment; the payer's wallet determines whether to use the targeted digital currency for payment.
  • the identity of the payee’s wallet is verified according to the payee’s identity information, and when the identity of the payee’s wallet is verified, the directional digital currency that can be used for this payment is determined according to the currency circulation attribute; the payer’s wallet is based on The receiving amount selects the targeted digital currency combination to be paid from the targeted digital currencies that can be used for this payment; the payer's wallet verifies whether the currency use attribute of all digital currencies in the targeted digital currency combination conforms to the currency use information and the payee.
  • the payer wallet terminates when it verifies that the currency use attribute of all digital currencies in the targeted digital currency portfolio does not conform to the currency use information, and/or the payee attribute does not conform to the payee information Transaction; the payer's wallet generates payment information when it verifies that the currency use attributes of all digital currencies in the targeted digital currency combination conform to the currency use information, and the payee attributes conform to the payee information, where the payment information at least includes the targeted The digital currency combination and the payment data chain generated by the payment operation for the directional digital currency combination; the payer's wallet sends the payment information to the payee's wallet; the payee's wallet verifies the currency use attributes, receipt and payment of all digital currencies in the digital currency combination.
  • the payee wallet verifies 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.
  • Payment data chain and store payment information after the payment data chain is verified; the payee wallet verifies 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 In the event of restrictions, the transaction is terminated.
  • 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 recipient's wallet, where the payment instruction at least includes: the payment amount, the recipient's identity information, the currency usage information, and the recipient's information; determine whether to use directional digital currency for payment; determine whether to use directional digital currency In the case of currency payment, the identity of the payee's wallet is verified according to the payee's identity information, and when the identity of the payee's wallet is verified, the directional digital currency that can be used for this payment is determined according to
  • Payee information terminate the transaction when verifying that the currency use attributes of all digital currencies in the targeted digital currency portfolio do not conform to the currency use information, and/or the payee attributes do not conform to the payee information;
  • the payment information is generated, wherein the payment information at least includes the targeted digital currency combination and the paired targeted digital currency combination.
  • Preset restrictions in the case that the currency use attributes, payee attributes and currency circulation attributes of all digital currencies in the digital currency portfolio meet the preset restrictions, verify the payment data chain, and store the payment data chain after the verification is passed.
  • Payment information in the case of verifying that at least one of the currency use attributes, payee attributes and currency circulation attributes of all digital currencies in the digital currency portfolio does not meet the preset restrictions, the transaction is terminated.
  • the present invention provides a method and system for directional transaction of digital currency. Select the targeted digital currency combination for payment in the targeted digital currency. Only when the selected targeted 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 payment of directional digital currency, thus ensuring the special use of funds.
  • 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 determines whether to use the directional digital currency for payment
  • the payer's wallet determines whether to use the directional digital currency for payment, and the directional digital currency can be independently stored in the preset area of the payer's wallet.
  • the payer's wallet determines to use directional digital currency for payment
  • the certificate of the payee's wallet can be verified, and after the verification is passed, the payee is confirmed.
  • the identity of the wallet is legal. Only when the identity of the recipient's wallet is legal will the directional digital currency that can be used for this payment be determined according to the currency circulation attributes.
  • the payer's wallet selects the targeted digital currency combination to be paid from the targeted digital currencies that can be used for this payment according to the received amount.
  • the payer's wallet further selects the targeted digital currency combination to be paid from the targeted digital currency that can be used for this payment according to the amount of the payment.
  • the targeted digital currency combination in the present invention may be one targeted digital currency, or may be a combination formed by multiple targeted digital currencies.
  • the payer's wallet verifies whether the currency use attribute of all the targeted digital currencies in the targeted digital currency combination conforms to the currency use information and whether the payee attribute conforms to the payee information.
  • the payer's wallet will determine whether the currency usage attributes of all targeted digital currencies in the targeted digital currency combination conform to the currency usage information sent by the payee's wallet, for example: the usage information of the purchased equipment , and will judge whether the payee attribute in the digital currency combination matches the payee information sent by the payee wallet, such as XX company.
  • the payer's wallet determines whether there are remaining targeted numbers in the case of verifying that the currency use attributes of all targeted digital currencies in the targeted digital currency portfolio do not conform to the currency use information, and/or the payee attributes do not conform to the payee information
  • the operation of selecting the directional digital currency combination to be paid according to the received amount is performed, and if there is no remaining digital currency combination, the transaction is terminated.
  • the payer's wallet generates payment information when it verifies that the currency use attributes of all the targeted digital currencies in the targeted digital currency combination conform to the currency use information, and the payee attribute conforms to the payee information, wherein the payment information at least includes The directional digital currency combination and the payment data chain generated by the payment operation on the directional digital currency combination.
  • the payer wallet verifies that the currency usage of all targeted digital currencies in the targeted digital currency combination does not conform to the currency usage information, and/or the payee attribute does not conform to the payee information, it will determine the remaining currency. If If there is remaining currency, return to the operation of selecting the combination of targeted digital currencies to be paid according to the amount received in S6, and judge whether they meet the conditions until all stored targeted digital currencies are verified. If there is enough directional digital currency payment, the transaction is terminated. If there is a directional digital currency combination that meets the conditions, the operation of generating payment information recorded in S9 is performed.
  • the payment information includes each directional digital currency in the directional digital currency combination, and the payment data chain obtained by the payer's wallet calculating the directional digital currency, and the payment data chain can record the information of this transaction.
  • the payer's wallet sends the payment information to the payee's wallet
  • the payee's wallet verifies whether the currency use attributes, payee attributes and currency circulation attributes of all the directional digital currencies in the directional digital currency combination meet the preset restrictions;
  • the payee's wallet verifies the payment data chain under the condition that the currency use attributes, payee attributes and currency circulation attributes of all the directional digital currencies in the directional digital currency combination meet the preset restrictions, and the payment data chain After the verification is passed, the payment information is stored;
  • the payee's wallet terminates the transaction under the condition that at least one of the currency use attribute, the payee attribute and the currency circulation attribute of all the directional digital currencies in the directional 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 update the currency usage attributes of all targeted digital currencies in the targeted digital currency portfolio, and the payee's wallet. Whether the attribute and currency circulation attribute meet 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 true 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 the directional digital currency combination from the stored directional digital currency when paying the directional digital currency. For payment, payment will be made to the payee's wallet only when the selected directional digital currency combination meets the conditions. Special funds are guaranteed.
  • the payer's wallet receives the directional digital currency issued by the issuing device, and selects the directional digital currency combination from the stored directional digital currency when paying the directional digital currency. For payment, payment will be made to the payee's wallet only when the selected directional digital currency combination meets the conditions. Special funds are guaranteed.
  • 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; determine whether to use directional digital currency for payment; if it is determined to use directional digital currency for payment, verify the identity of the payee's wallet according to the payee's identity information, and verify the payee's wallet identity through In this case, determine the directional digital currency that can be used for this payment according to the currency circulation attribute; select the directional digital currency combination to be paid from the directional digital currency that can be used for this payment according to the received amount; verify the directional
  • the operation of selecting the targeted digital currency combination to be paid according to the received amount is performed. If If there is no remaining digital currency combination, the transaction will be terminated; when it is verified that the currency use attributes of all targeted digital currencies in the targeted digital currency combination conform to the currency use information, and the payee attribute conforms to the payee information, the payment information is generated, in which , the payment information includes at least the directional digital currency combination and the payment data chain generated by the payment operation on the directional digital currency combination; send the payment information to the payee's wallet;
  • the payee wallet is used to verify whether the currency usage attributes, payee attributes and currency circulation attributes of all targeted digital currencies in the targeted digital currency portfolio meet the preset restrictions; when verifying all targeted digital currencies in the targeted digital currency portfolio If the currency usage attribute, payee attribute and currency circulation attribute all meet the preset restrictions, verify the payment data chain, and store the payment information after the payment data chain verification is passed; verify all the targeted digital currencies in the targeted digital currency combination If at least one of the currency usage attribute, payee attribute and 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 the directional digital currency combination from the stored directional digital currency when paying the directional digital currency. For payment, payment will be made to the payee's wallet only when the selected directional digital currency combination meets the conditions. Special funds are guaranteed.

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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，从存储的定向数字货币中选择定向数字货币组合进行支付，只有在选择的定向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“202011641129.2”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；付款方钱包确定是否使用定向数字货币进行支付；付款方钱包确定使用定向数字货币进行支付的情况下，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，根据货币流转属性确定能够用于本次支付的定向数字货币；付款方钱包根据收款金额从能够用于本次支付的定向数字货币中选取待支付的定向数字货币组合；付款方钱包验证定向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和 收款方属性是否符合收款方信息；付款方钱包在验证定向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，和/或收款方属性不符合收款方信息的情况下，终止交易；付款方钱包在验证定向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，且收款方属性符合收款方信息的情况下，生成支付信息，其中，支付信息至少包括定向数字货币组合和对定向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。
本发明还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；确定是否使用定向数字货币进行支付；确定使用定向数字货币进行支付的情况下，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，根据货币流转属性确定能够用于本次支付的定向数字货币；根据收款金额从能够用于本次支付的定向数字货币中选取待支付的定向数字货币组合；验证定向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和收款方属性是否符合收款方信息；在验证定向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，和/或收款方属性不符合收款方信息的情况下，终止交易；在验证定向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，且收款方属性符合收款方信息的情况下，生成支付信息，其中，支付信息至少包括定向数字货币组合和对定向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，从存储的定向数字货币中选择定向数字货币组合进行支付，只有在选择的定向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，付款方钱包确定是否使用定向数字货币进行支付；
S5，付款方钱包确定使用定向数字货币进行支付的情况下，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，根据货币流转属性确定能够用于本次支付的定向数字货币。
具体地，付款方钱包收到收款方钱包发送的收款指令后，确定是否使用定向数字货币进行支付，该定向数字货币可以独立存储在付款方钱包的预设区域内。
在付款方钱包确定使用定向数字货币进行支付的情况下，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，才会根据货币流转属性确定能够用于本次支付的定向数字货币。
S6，付款方钱包根据收款金额从能够用于本次支付的定向数字货币中选取待支付的定向数字货币组合。
具体地，付款方钱包确定能够用于本次支付的定向数字货币后，进一步根据收款金额从能够用于本次支付的定向数字货币中选取待支付的定向数字货币组合。值得说明的是， 本发明中的定向数字货币组合可以为一个定向数字货币，也可以为多个定向数字货币形成的组合。
S7，付款方钱包验证定向数字货币组合中的全部定向数字货币的货币用途属性是否符合货币用途信息和收款方属性是否符合收款方信息。
具体地，付款方钱包在选取定向数字货币组合后，会判断该定向数字货币组合中的全部定向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。
S8，付款方钱包在验证定向数字货币组合中的全部定向数字货币的货币用途属性不符合货币用途信息，和/或收款方属性不符合收款方信息的情况下，判断是否有剩余定向数字货币组合，如果有剩余定向数字货币组合，则执行根据收款金额选取待支付的定向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。
S9，付款方钱包在验证定向数字货币组合中的全部定向数字货币的货币用途属性符合货币用途信息，且收款方属性符合收款方信息的情况下，生成支付信息，其中，支付信息至少包括定向数字货币组合和对定向数字货币组合进行支付操作生成的支付数据链。
具体地，付款方钱包在验证定向数字货币组合中的全部定向数字货币的货币用途不符合货币用途信息，和/或收款方属性不符合收款方信息时，则进行剩余货币的判断，如果有剩余货币，则返回执行S6中根据收款金额选取待支付的定向数字货币组合的操作，并判断是否符合条件，直至将全部存储的定向数字货币进行验证，如果均不满足条件，则认为没有足够的定向数字货币支付，终止交易，如果有满足条件的定向数字货币组合，则执行S9记载的生成支付信息的操作。
其中，支付信息中包括定向数字货币组合中的每个定向数字货币，以及付款方钱包对定向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。
S10，付款方钱包将支付信息发送至收款方钱包；
S11，收款方钱包验证定向数字货币组合中的全部定向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；
S12，收款方钱包在验证定向数字货币组合中的全部定向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；
S13，收款方钱包在验证定向数字货币组合中的全部定向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定向数字货币组合中的全部定向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，从存储的定向数字货币中选择定向数字货币组合进行支付，只有在选择的定向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。
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，从存储的定向数字货币中选择定向数字货币组合进行支付，只有在选择的定向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；确定是否使用定向数字货币进行支付；确定使用定向数字货币进行支付的情况下，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，根据货币流转属性确定能够用于本次支付的定向数字货币；根据收款金额从能够用于本次支付的定向数字货币中选取待支付的定向数字货币组合；验证定向数字货币组合中的全部定向数字货币的货币用途属性是否符合货币用途信息和收款方属性是否符合收款方信息；在验证定向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，和/或收款方属性不符合收款方信息的情况下，判断是否有剩余定向数字货币组合，如果有 剩余定向数字货币组合，则执行根据收款金额选取待支付的定向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；在验证定向数字货币组合中的全部定向数字货币的货币用途属性符合货币用途信息，且收款方属性符合收款方信息的情况下，生成支付信息，其中，支付信息至少包括定向数字货币组合和对定向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，用于验证定向数字货币组合中的全部定向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；在验证定向数字货币组合中的全部定向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；在验证定向数字货币组合中的全部定向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，从存储的定向数字货币中选择定向数字货币组合进行支付，只有在选择的定向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；
    所述付款方钱包确定是否使用所述定向数字货币进行支付；
    所述付款方钱包确定使用所述定向数字货币进行支付的情况下，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，根据所述货币流转属性确定能够用于本次支付的定向数字货币；
    所述付款方钱包根据所述收款金额从所述能够用于本次支付的定向数字货币中选取待支付的定向数字货币组合；
    所述付款方钱包验证所述定向数字货币组合中的全部定向数字货币的货币用途属性是否符合所述货币用途信息和收款方属性是否符合所述收款方信息；
    所述付款方钱包在验证所述定向数字货币组合中的全部定向数字货币的货币用途属性不符合所述货币用途信息，和/或收款方属性不符合所述收款方信息的情况下，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定向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定向数字货币组合中的全部定向数字货币的货币用途属性符合所述货币用途信息，且收款方属性符合所述收款方信息的情况下，生成支付信息，其中，所述支付信息至少包括所述定向数字货币组合和对所述定向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定向数字货币组合中的全部定向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定向数字货币组合中的全部定向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定向数字货币组合中的全部定向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；确定是否使用所述定向数字货币进行支付；确定使用所述定向数字货币进行支付的情况下，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，根据所述货币流转属性确定能够用于本次支付的定向数字货币；根据所述收款金额从所述能够用于本次支付的定向数字货币中选取待支付的定向数字货币组合；验证所述定向数字货币组合中的全部定向数字货币的货币用途属性是否符合所述货币用途信息和收款方属性是否符合所述收款方信息；在验证所述定向数字货币组合中的全部定向数字货币的货币用途属性不符合所述货币用途信息，和/或收款方属性不符合所述收款方信息的情况下，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定向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；在验证所述定向数字货币组合中的全部定向数字货币的货币用途属性符合所述货币用途信息，且收款方属性符合所述收款方信息的情况下，生成支付信息，其中，所述支付信息至少包括所述定向数字货币组合和对所述定向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，用于验证所述定向数字货币组合中的全部定向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；在验证所述定向数字货币组合中的全部定向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；在验证所述定向数字货币组合中的全部定向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。
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