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Global digital currency system

A digital currency, global technology, applied in data processing applications, instruments, finance, etc., can solve problems such as inability to function as legal currency, inability to exchange legal currency, and no contribution, and achieve the effect of avoiding high handling fees

Inactive Publication Date: 2018-11-13
南京上标优步知识产权服务有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Currently popular virtual digital currencies in the market have some shortcomings that cannot be overcome, such as:
[0005] The volatility is too large, it becomes a paradise for speculators, it cannot function as a legal currency, and it cannot be freely exchanged with legal currency
[0006] The current popular virtual currencies are all issued by PoS or PoW, etc., which only consume energy, but do not contribute to society, so it is neither reasonable nor environmentally friendly
[0007] The transaction speed is extremely slow, which cannot meet commercial needs

Method used

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Examples

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example 1

[0129] The global digital currency system of the present invention can also apply lending transactions, that is, the financial products described in the present invention. Example 1: Three-month loan transaction

[0130] The block chain structure is: transaction code, transaction category, transaction status, debit ID, debit bank account, borrow amount, borrow time, lender ID, lender bank account, loan amount, loan time, smart contract.

[0131] 1. The lender puts the "loan blockchain" into the system, and GDC-S fills in: transaction code, transaction category, transaction status, lender ID, lender bank account, loan amount and functional contract. The "Borrowing Blockchain" can also be issued by borrowers and accepted by lenders.

[0132] 2. The smart contract stipulates as follows

[0133] If "Borrow ID" is entered

[0134] Then start the transfer module 126;

[0135] The "Loan Amount" is transferred from the "Lender's Bank Account" to the "Debitor's Bank Account";

[0...

example 2

[0145] Example 2: Flight Delay Insurance

[0146] The blockchain structure is: transaction code, transaction category, transaction status, LCC flight ID, LCC bank account, insurance price, scheduled departure time, insured ID, insured bank account, compensation amount, actual departure time, smart contract,

[0147] Take the LCC (low cost airline) delay insurance (for example, compensation of $27 per hour after a delay of three hours) as an example:

[0148] 1. The LCC that meets the credit requirements puts the "insurance blockchain" into the system, and GDC-S fills in: transaction code, transaction category, transaction status, LCC flight ID, scheduled departure time, LCC bank account, insurance price and functions contract.

[0149] 2. The smart contract stipulates as follows:

[0150] If "Insured Person ID" is entered

[0151] Then start the transfer module 126;

[0152] The "insurance price" is transferred from the "bank account of the insured" to the "LCC bank accou...

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PUM

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Abstract

The invention discloses a global digital currency system. The global digital currency system comprises a clearing system, an enterprise legal person account management system, a personal account management system, a bank and a user terminal; wherein the clearing system is used for providing currency transactions, currency receipts and payments, and data exchanges through the network, and is responsible for the operation and management of the system, as well as providing financial products to customers, issuing or purchasing global digital currencies, and maintaining the stability of virtual currencies; the clearing system is connected with the bank, which is responsible for the registration and cancellation of the bank, the data communication interface with financial entities and the account management; the enterprise legal person account management system manages the global digital currency and the legal tender of the enterprise legal person accounts; the personal account management system manages the global digital currency and the legal tender of the personal accounts; the bank exchanges data with the clearing system through the network, and provides cash services for the system; and the user terminal carries out currency transactions through the enterprise legal person account management system or the personal account management system.

Description

technical field [0001] The invention relates to the fields of foreign exchange transactions and market risk avoidance, simple online financial transactions, simple insurance and reinsurance, internal fund allocation of global companies, and fund lending among financial institutions. Background technique [0002] With the continuous development of Internet technology, digital currency has received more and more attention and recognition. Digital currency is an alternative currency in the form of electronic currency, including Bitcoin, Litecoin and PPCoin, all relying on checksum Cryptographic technology to create, issue and circulate electronic currency. It is characterized by the use of P2P peer-to-peer network technology, such as decentralization, immutability and other characteristics to issue, manage and circulate currency, which can not only save the cost of issuance and circulation, but also improve the efficiency of transactions or investment, and enhance the Convenie...

Claims

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Application Information

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IPC IPC(8): G06Q40/04G06Q40/06
CPCG06Q40/04G06Q40/06
Inventor 秦中陵秦海信
Owner 南京上标优步知识产权服务有限公司
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