Method, system and device of realizing financing transactions based on digital currencies

Abstract

The present invention provides a method, system and device of realizing the financing transactions based on the digital currencies which can avoid the precipitation funds of the depository accounts, prevents the financing funds from being embezzled or prevents the uses of the financing funds from being changed, so that the funds paths are transparent and controllable, and the supervision to the funds is enhanced. The method comprises the steps of using a contributor wallet application device to send a payment request to a contributor bank wallet according to a transaction intelligent contract, wherein the payment request comprises the digital currency payment amount, a fund-raiser bank wallet identifier, a shared signature intelligent contract application and an authorization usage intelligent contract application; after the contributor bank wallet receives the payment request, sending the payment request to a digital currency system; after the digital currency system accepts the payment request, according to the payment request, canceling the original digital currencies of the contributors, regenerating the digital currencies with a shared signature identifier, and then sending the digital currencies to a fund-raiser bank wallet.

Description

Technical field [0001] The present invention relates to the field of computer technology, in particular to a method, system and device for realizing fund-raising transactions based on digital currency. Background technique [0002] With the development of Internet technology and the financial industry, intermediary companies that provide information services for legal direct financial transactions between individuals have developed rapidly with the help of Internet platforms, such as P2P network lending (Internet financial peer-to-peer lending), online crowdfunding, etc.; among them, platforms The two parties to the transaction are the investor and the fundraiser. The fundraiser and the fundraiser reach a transaction intention through platform information matching, and sign an online contract to agree on the rights and obligations of both parties. Taking online lending as an example, the platform acts as an information intermediary, providing services such as information collecti...

AI Technical Summary

Problems solved by technology

[0005] First of all, the depository account will deposit a large amount of funds in transit during the fundraising process. Although the bank supervises the depository account, it still cannot prevent the risk of false misappropriation by the platform.

[0006] Secondly, in the traditional method, after the funder delivers the bidding money to the fund raiser, he loses control over the flow of funds, and cannot distinguish the use of the follow-up funds. It is opaque from the outside, so it is easy for the fundraiser to unilaterally change the use of funds, resulting in risks in the use of funds

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