A method and system for interbank digital currency settlement
A digital currency and banking system technology, applied in the computer field, can solve problems such as lack of point-to-point direct settlement channels, digital currency settlement tools, and difficulty in ensuring timeliness, and achieve the effects of facilitating application promotion, fast timeliness, and increasing the burden on banks
Active Publication Date: 2020-09-29
THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST
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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
Method used
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[0042] Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
[0043] In the technical solution of the embodiment of the present invention, it involves the process that the originating bank pays the digital currency to the receiving bank. In this process, since the receiving bank cannot receive the digital currency, the digital currency paid by the originating bank is received by means of the clearing bank; Among them, the initiating ...
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The invention provides a method and a system of inter-bank digital-currency settlement. A traditional inter-bank settlement mode and a digital currency settlement mode are fused, and the flexibility of bank settlement selection is improved. The method of inter-bank digital-currency settlement of the invention comprises: sending, to a digital currency system by an initiating bank system, a payment message of paying digital currency to a receiving bank, and sending, to a clearing bank system, a clearing message of paying the digital currency to the receiving bank; executing an operation of a preset item by the digital currency system according to the payment message, and returning a result of operation success to the initiating bank system and the clearing bank system; and adding an amount, which is equal to the amount of the received digital currency, in a same-business account deposit balance, which is in the clearing message and at the clearing bank, of the receiving bank by the clearing bank system according to the received clearing message after the result of the operation success is received, and sending a result, which indicates settlement success, to the receiving bank system and the initiating bank system.
Description
technical field [0001] The invention relates to the field of computer technology, in particular to a method and system for inter-bank digital currency settlement. 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 existin...
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IPC IPC(8): G06Q40/02G06Q20/06
CPCG06Q20/065G06Q40/02
Inventor 姚前蒋国庆彭枫孙浩
Owner THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST