Conditional transaction method and device based on digital currency

A digital currency and transaction technology, applied in the field of digital currency, can solve problems such as unconditional payment, and achieve the effect of improving transaction experience, ensuring fund security, and ensuring security

Pending Publication Date: 2022-05-10
THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, in the existing digital currency-based transactions, it is impossible to make conditional payments for scenarios such as specific business types and specific time requirements, especially conditional payments in dual offline scenarios

Method used

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  • Conditional transaction method and device based on digital currency
  • Conditional transaction method and device based on digital currency
  • Conditional transaction method and device based on digital currency

Examples

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Embodiment Construction

[0052] 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.

[0053] In order to solve the technical problems existing in the prior art, the present invention provides a conditional payment method based on digital currency. When generating digital currency, by adding a transaction restriction field for digital currency, during the transaction, the payee can pass Verify the transaction restriction field to judge whether the transactio...

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PUM

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Abstract

The invention discloses a conditional transaction method and device based on digital currency, and relates to the technical field of digital currency. A specific embodiment of the method comprises the following steps: generating a conditional payment request based on a transaction scene, and sending the conditional payment request to a payer; receiving digital currency sent by the payer, wherein the digital currency has a transaction limiting condition; payment verification is carried out on the digital currency based on the transaction limiting condition, and conditional transaction information is generated under the condition that the payment verification is passed, and the conditional transaction information comprises the digital currency and transaction flow information; and sending the conditional transaction information to an operation institution background transaction module to perform conditional transaction legality verification so as to complete conditional transaction. According to the embodiment, conditional payment can be carried out based on the transaction limiting condition of the digital currency, the use scene of digital currency payment is expanded, the transaction experience based on the digital currency is improved, and the fund security of a user is ensured.

Description

technical field [0001] The invention relates to the technical field of digital currency, in particular to a method and device for conditional transactions based on digital currency. Background technique [0002] With the gradual popularization of digital currency, its application scenarios are becoming more and more abundant. However, in the existing digital currency-based transactions, it is impossible to make conditional payments for scenarios such as specific business types and specific time requirements, especially conditional payments in dual-offline scenarios. [0003] In the course of realizing the present invention, the inventor finds that there are at least the following problems in the prior art: [0004] In order to allow funds to be used in a targeted manner, a payment technology solution for restrictions is needed to improve the transaction experience and transaction security based on digital currency, while meeting the needs of various scenarios. Contents of...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/06G06Q20/38G06Q20/40
CPCG06Q20/065G06Q20/401G06Q20/405G06Q20/38215
Inventor 穆长春狄刚崔沛东赵新宇于鹏郭建昌施展张红学
Owner THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST
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