A transaction method, system and device for investment financing based on digital currency

Abstract

The present invention provides a digital currency-based investment financing transaction method, system and device which realizes the situation of utilizing the digital currencies to provide a payment settlement path of investment financing capital allocation for a platform. The method comprises the steps of using an investor wallet application device to receive an intelligent contract; after the investor wallet application device receives a confirmation instruction containing the investment amount provided by an investor, adding the investment confirmation information in the intelligent contract, wherein the information comprises the investment amount, an investor signature and the investor personal information; after an investment platform verifies the investment confirmation information in the intelligent contract, marking that the intelligent contract comes into force; using the investor wallet application device to pay the digital currencies to a fund-raiser bank wallet account according to the executed intelligent contract.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a transaction method, system and device for investment and financing 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 the current P2P network lending (Internet financial peer-to-peer lending), online crowdfunding, etc.; , the two sides of the platform transaction are investors and fundraisers, investors and fundraisers reach a transaction intention through platform information matching, and sign an online contract to stipulate the rights and obligations of both parties to the transaction. Taking online lending as an example, the platform acts as an information intermediary and provides services such as informa...

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, the depository account is opened in the name of the platform subject, which is inconsistent with the role of the platform information intermediary. The existing model has its own operational risks and security risks of the platform subject, mainly reflected in the consistency of transaction information and contract execution.

As a third party, Internet investment and lending platforms provide all information unilaterally from the platform, making it difficult for investors, fundraisers, regulators and other participants to check transaction information with each other

On the other hand, investors and fundraisers sign online contracts through the platform, and the entire transaction and contract execution process is controlled by the platform, lacking supervision and protection

Therefore, there are operating loopholes that may be faked by the platform and potential safety hazards of the platform itself.

Images