A method and system for exchanging deposits for digital currency

Abstract

The invention discloses a method and system for using a deposit to exchange digital currency. The method and system of the invention are characterized in that a bank can make a claim without through a digital currency issuing mechanism and uses inter-bank deposit to exchange from other banks which can claims the digital currency, expands an application range of the digital currency and is beneficial to digital currency application and popularization. The method for using the deposit to exchange the digital currency comprises that: a participant bank system transmits a message for exchanging the digital currency to an agent bank system; the agent bank system deducts a quota equivalent to an exchange sum of money in the message from a deposit balance of an inter-bank account of the participant bank in the agent bank, generating a payment request message according to the deducted quota from the deposit balance and transmits a payment request message to a digital currency system; the digital currency system executes an operation of a preset project according to the payment request message and returns a result of successful operation to the participant bank system and the agent bank system; and the agent bank system returns the information of representing successful exchange to the participant bank system after receiving the result of a successful operation.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to a method and system for exchanging deposits for digital currency. Background technique [0002] The current inter-bank fund settlement system is divided into two types: one is the central clearing network, and the other is the transfer clearing network. The central clearing network has a centralized clearing institution, and the direct clearing bank has a settlement account in the clearing institution, which is connected with the clearing institution system to realize message transmission. The clearing institution is responsible for the clearing message processing and fund settlement between direct clearing banks. The transfer settlement network is represented by SWIFT, which is based on interbank accounts between banks for settlement. If two banks do not directly open interbank accounts, they need to indirectly settle through interbank accounts through other banks. The exist...

AI Technical Summary

Problems solved by technology

[0005] 1. The existing inter-bank settlement system lacks point-to-point direct settlement channels, especially in the cross-border settlement environment, where funds transfer paths are long, timeliness is difficult to guarantee, and costs are high

[0006] 2. On the basis of the existing bank clearing network, digital currency cannot be used as a settlement tool, so that banks can use the original settlement network for settlement, or use digital currency for settlement, or use a mixed method for settlement

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