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Time delay digital currency circulation method

A digital currency and currency circulation technology, applied in data processing applications, instruments, finance, etc., can solve problems such as inability to split, use in pieces, damage to the interests of bearers, and low circulation efficiency, so as to avoid inconvenience in carrying and improve Market circulation rate and the effect of enhancing development force

Pending Publication Date: 2018-05-15
廖庭洲
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The use of bank acceptance bills has relatively large limitations: it can only be used for the entire transaction according to the face value, and it cannot be split or used in parts, and the circulation efficiency is low
Either way, the interest of the ticket holder will be damaged

Method used

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  • Time delay digital currency circulation method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0059] Embodiment 1 (circulation of a single delayed digital currency)

[0060] 1) Transaction participants Party A, Party B, Party C, and Party D each use their own PC terminals 3 to access the server 2 of the third-party payment platform to apply for registration, and fill in the "account name, identity ID card number or corporate social unified credit code, setting password, name of the opening bank, account number of the opening bank” and other information;

[0061] 2) After the registration application is approved, Party A, Party B, Party C, and Party D each use their own PC terminals 3 to download the operating software from the third-party payment platform server 2, and install and save it in their respective PC terminals 3; the operating software Including delayed digital currency balance software module 3-1, delayed digital currency verification software module 3-2, delayed digital currency transfer software module 3-3, delayed digital currency receipt and payment sof...

Embodiment 2

[0068] Embodiment 2 (combined circulation of two or more delayed digital currencies)

[0069] Each step is with embodiment 1; Wherein:

[0070] Party A (drawer) sends to bank server 1 to apply for a delayed digital currency of 800,000 yuan (for the convenience of description, tentatively designated as "currency A", the same below), Party B (another drawer) sends bank server 1 Issuing an application for a delayed digital currency of 1.5 million yuan (for the convenience of description, tentatively designated as "currency B", the same below); suppose Party A pays currency A 450,000 yuan to Party C in a certain transaction, and assumes that Party B pays currency A 450,000 yuan in another transaction Pay currency B 750,000 yuan to Party C during the transaction;

[0071] Assuming that Party C needs to pay Party D a delayed digital currency of 1 million yuan in a certain transaction, Party C can pay Party D with two delayed digital currencies in a variety of combinations: currency...

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PUM

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Abstract

The invention discloses a time delay digital currency circulation method, and belongs to an electronic commerce transaction method based on a third party payment platform. The method comprises the following steps of digitizing a banker's acceptance bill; then, sending the banker's acceptance bill to a bill drawer PC terminal (3) through a bank server (1); playing time delay digital currency to a third-party payment platform server (2) by a payer through the PC terminal (3); after the verification by the third party payment platform server (2), performing transfer to a payee PC terminal (3); after the banker's acceptance bill reaches the date, sending a redemption request to the bank server (1) by each currency holder by using the respective PC terminal (3) through the third-party payment platform server (2); after the verification and checking by the bank server (1), performing redemption and settlement on the time delay digital currency into hypostatic money to be respectively storedinto current accounts of each currency holder.

Description

technical field [0001] The invention relates to a digital currency circulation method, in particular to a delayed digital currency circulation method; it belongs to the field of e-commerce and finance based on a third-party communication network payment platform. Background technique [0002] Bank acceptance bills originated in the 14th century AD. It is defined as a long-term payment bill issued by a bank entrusted by the payer. The bank has the obligation to pay at sight when the bill expires. The main function is applied to the long-term payment guaranteed by the bank's commitment, and there are two forms: paper version and electronic version. [0003] The use of bank acceptance bills has relatively large limitations: they can only be used in a whole transaction according to the face value, and cannot be split or used in parts, and the circulation efficiency is low. In order to facilitate the circulation, it is usually requested from the bank to cash in advance, but the ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/02
Inventor 廖庭洲
Owner 廖庭洲
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