Digital currency transaction management method, system, medium, and device

Abstract

This invention provides a digital currency transaction management method, system, medium, and device, comprising: Step 1: Calling the fixed-length message and JSON message transaction interfaces of the digital currency access platform to send a transaction request to the digital currency platform's transaction center; Step 2: Performing message parsing and data format verification, processing business logic, and having the transfer center assemble a JSON message according to the interface provided by the operating institution and send the transaction to the digital currency operating institution, which then returns the transaction message to the digital currency access platform; Step 3: The digital currency access platform's transfer center parses the JSON message, updates the transaction status data, and returns the result to the commercial bank's channel system. This invention enables multiple commercial banks with different legal entities to simultaneously and quickly complete digital currency system integration, saving each commercial bank the R&D costs and time costs of establishing its own digital currency system, and reducing the investment in human resources and server resources.

Description

Technical Field

[0001] This invention relates to the field of financial technology, and more specifically, to a digital currency transaction management method, system, medium, and device. Background Technology

[0002] Digital currency is my country's legal tender, operated by institutions designated by the People's Bank of China and exchanged with the public. Based on a broad account system, it forms a "two-tier operation" architecture. The digital currency access platform solves the problem of commercial banks, which are not operating institutions, conducting digital currency business. Through this platform, commercial banks' channel systems connect to the operating institutions' digital currency systems and the People's Bank of China's digital currency system, thereby enabling commercial bank customers to participate in the use of digital currency.

[0003] Patent document CN113537958A (application number: CN202110783802.4) discloses a transaction method, system, medium, and transaction system based on digital currency, including the following steps: obtaining transaction order information provided by an e-commerce platform; verifying the compliance of the transaction order information and generating transaction information; formulating a smart contract based on the transaction information and submitting the smart contract to a digital currency system, so that the digital currency system deploys the smart contract in the buyer's digital currency wallet and executes a digital currency transfer transaction when the triggering conditions of the smart contract are met; and realizing a distributed and collaborative verification and supervision service that integrates monetary funds and transaction information based on the smart contract execution results and transaction information fed back by the digital currency system. However, this patent cannot meet the needs of this invention. Summary of the Invention

[0004] In view of the deficiencies in the prior art, the purpose of this invention is to provide a digital currency transaction management method, system, medium and device.

[0005] The digital currency transaction management method provided by the present invention includes:

[0006] Step 1: In the commercial bank channel system, the fixed-length message and JSON message transaction interface of the digital currency access platform is called through the TCP protocol, and then the transaction request is sent to the digital currency platform trading center;

[0007] Step 2: Parse the message and verify the data format through the encapsulated interface. After the verification is passed, complete the business logic processing according to the business process. At the same time, save the transaction data to the relational database. The transfer center assembles the JSON message according to the interface provided by the operating institution and sends the transaction to the digital currency operating institution. After the digital currency operating institution accepts the transaction request, it returns the transaction message to the digital currency access platform.

[0008] Step 3: The digital currency access platform's transfer center parses the JSON message and updates the transaction status data. The transaction center then returns the results to the commercial bank's channel system based on the transaction status data.

[0009] Preferably, netting and clearing of digital currency transactions are performed at set time intervals. After clearing is completed, a reconciliation file is generated. The digital currency access platform retrieves the reconciliation file periodically. After successful file retrieval, the reconciliation center begins to reconcile digital currency withdrawal and withdrawal transactions one by one. After the transaction reconciliation is completed, customer accounts are checked. After successful account reconciliation, the reconciliation status is updated to "balanced" or "unbalanced". If the reconciliation is balanced, the reconciliation process ends. If the reconciliation is unbalanced, the reconciliation center automatically initiates a supplementary accounting or reversal process to handle the error. After successful handling, the reconciliation status is updated to "balanced", and then the reconciliation process ends.

[0010] Preferably, for each customer information access function, only a limited number of customer information elements are provided to meet the needs of the business. Transaction authorization control and operation logs are implemented for access to sensitive information, including customer information. Log information related to customer information is recorded for auditing purposes. Only the data field content required by the other system is transmitted in the system interface.

[0011] Preferably, the front end of the digital currency access platform connects with the commercial bank channel system through a transaction interface, and the back end of the digital currency access platform connects with the digital currency operating institution system through transaction messages.

[0012] The transaction process for digital currency business for individual and corporate customers is as follows: Individual and corporate customers initiate digital currency business transaction requests through commercial bank channel systems. After the transaction request reaches the digital currency access platform, the platform verifies the legality of digital currency business data, processes business logic, stores transaction information, and records it in the core customer's account. Then, the digital currency access platform forwards the transaction request to the digital currency operating institution. The digital currency operating institution receives the transaction request and processes the digital currency business. After the business is processed, it returns the transaction result to the digital currency access platform. After receiving the transaction result, the digital currency access platform updates the transaction processing status and returns the transaction result to the commercial bank channel system. Individual and corporate customers obtain the digital currency transaction result through the commercial bank channel system.

[0013] The digital currency transaction management system provided by the present invention includes:

[0014] Module M1: In the commercial bank channel system, the fixed-length message and JSON message transaction interface of the digital currency access platform is called through the TCP protocol, and then the transaction request is sent to the digital currency platform trading center;

[0015] Module M2: It performs message parsing and data format verification through the encapsulated interface. After the verification is successful, it completes the business logic processing according to the business process and saves the transaction data to the relational database. The transfer center assembles JSON messages according to the interface provided by the operating institution and sends the transaction to the digital currency operating institution. After the digital currency operating institution accepts the transaction request, it returns the transaction message to the digital currency access platform.

[0016] Module M3: The digital currency access platform's transfer center parses JSON messages and updates transaction status data. The transaction center then returns the results to the commercial bank's channel system based on the transaction status data.

[0017] Preferably, netting and clearing of digital currency transactions are performed at set time intervals. After clearing is completed, a reconciliation file is generated. The digital currency access platform retrieves the reconciliation file periodically. After successful file retrieval, the reconciliation center begins to reconcile digital currency withdrawal and withdrawal transactions one by one. After the transaction reconciliation is completed, customer accounts are checked. After successful account reconciliation, the reconciliation status is updated to "balanced" or "unbalanced". If the reconciliation is balanced, the reconciliation process ends. If the reconciliation is unbalanced, the reconciliation center automatically initiates a supplementary accounting or reversal process to handle the error. After successful handling, the reconciliation status is updated to "balanced", and then the reconciliation process ends.

[0018] Preferably, for each customer information access function, only a limited number of customer information elements are provided to meet the needs of the business. Transaction authorization control and operation logs are implemented for access to sensitive information, including customer information. Log information related to customer information is recorded for auditing purposes. Only the data field content required by the other system is transmitted in the system interface.

[0019] Preferably, the front end of the digital currency access platform connects with the commercial bank channel system through a transaction interface, and the back end of the digital currency access platform connects with the digital currency operating institution system through transaction messages.

[0020] The transaction process for digital currency business for individual and corporate customers is as follows: Individual and corporate customers initiate digital currency business transaction requests through commercial bank channel systems. After the transaction request reaches the digital currency access platform, the platform verifies the legality of digital currency business data, processes business logic, stores transaction information, and records it in the core customer's account. Then, the digital currency access platform forwards the transaction request to the digital currency operating institution. The digital currency operating institution receives the transaction request and processes the digital currency business. After the business is processed, it returns the transaction result to the digital currency access platform. After receiving the transaction result, the digital currency access platform updates the transaction processing status and returns the transaction result to the commercial bank channel system. Individual and corporate customers obtain the digital currency transaction result through the commercial bank channel system.

[0021] According to the present invention, a computer-readable storage medium storing a computer program is provided, wherein when the computer program is executed by a processor, it implements the steps of the digital currency transaction management method.

[0022] The electronic device provided by the present invention includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the computer program is executed by the processor, it implements the steps of the digital currency transaction management method described above.

[0023] Compared with the prior art, the present invention has the following beneficial effects:

[0024] (1) The digital currency access platform of the present invention solves the problem of the connection between the commercial bank system and the People's Bank of China digital currency system, enabling the commercial bank's own system to operate related functions such as opening, redeeming, redeeming back and transferring digital currency RMB wallets;

[0025] (2) The digital currency access platform of the present invention adopts multi-legal entity technology, which enables multiple legal entity commercial banking institutions to access the People's Bank of China's digital currency system at the same time through this system, thus solving the problem that different legal entity commercial banking institutions need to establish their own digital currency systems separately.

[0026] (3) This system enables multiple commercial banks with different legal entities to quickly connect to the digital currency system at the same time, saving the R&D costs and time costs of each commercial bank to build a digital currency system separately, and reducing the investment in human resources and server resources. Attached Figure Description

[0027] Other features, objects, and advantages of the present invention will become more apparent from the following detailed description of non-limiting embodiments with reference to the accompanying drawings:

[0028] Figure 1 A diagram of the digital currency system architecture;

[0029] Figure 2 This is a business process diagram. Detailed Implementation

[0030] The present invention will now be described in detail with reference to specific embodiments. These embodiments will help those skilled in the art to further understand the present invention, but do not limit the invention in any way. It should be noted that those skilled in the art can make several changes and improvements without departing from the concept of the present invention. These all fall within the protection scope of the present invention.

[0031] Example 1:

[0032] The digital currency access platform is independently developed using the latest generation JAVA development platform JUP2.0, possessing complete independent intellectual property rights. During the system's architecture design, distributed microservices and high-concurrency processing capabilities were implemented for each central module. Functional modules adhere to the principles of high cohesion and loose coupling, maximizing module reuse. A specific task can be divided into multiple subtasks for parallel processing, thereby improving concurrency capabilities.

[0033] The digital currency access platform is positioned as Layer 2.5 of the digital currency architecture. Relying on the operating institutions of the digital currency Layer 2.0, it connects to the People's Bank of China's (PBOC) interconnection platform through interbank clearing or rural credit cooperative agents, thus linking to the PBOC's digital currency Layer 1.0. Ultimately, this platform enables commercial bank customers to participate in the use of digital currency.

[0034] Digital currency system architecture diagram as follows Figure 1 As shown.

[0035] The digital currency access platform mainly consists of seven functional modules: a trading center, a transfer center, an acquiring center, a city bank clearing front-end, a rural credit bank clearing front-end, an operations and management center, and a reconciliation center. Each module supports independent deployment, and the functions of each center can be called upon each other through componentization and interface-based architecture, thereby completing the business functions of the entire system. Each module is designed with microservices and high concurrency processing capabilities, facilitating continuous improvement of functions and enrichment of business use scenarios in the future.

[0036] The main functions of the seven central functional modules are:

[0037] (1) Trading Center: Responsible for providing personal wallet services, corporate wallet services, batch transfer and collection and payment services, smart contract services, hardware wallet services, cash box services, acquiring services, business processing, and calling core accounting processing, etc.

[0038] (2) Transfer Center: Responsible for connecting with digital currency 2.0 operating institutions (the operating institutions are responsible for the specific operation of the wallet, wallet ledger management and compliance risk monitoring of wallet holders, etc.), sending wallet transaction messages to the operating institutions, receiving wallet transaction messages from the operating institutions, and parsing transaction messages, etc.

[0039] (3) Acquiring Center: Responsible for providing management of acquiring merchants and acquiring merchant terminals, such as onboarding and modification, personal payment code acquisition and refresh, and merchant static code application and modification.

[0040] (4) City Commercial Bank Clearing Center: Responsible for connecting with the city commercial bank clearing center. City commercial banks, private banks, etc. access the People's Bank of China's interconnection platform through the city commercial bank clearing agent to process outgoing and incoming transactions, and perform message parsing, etc.

[0041] (5) Rural Credit Union Front-end: Responsible for connecting with Rural Credit Union, rural credit cooperatives, rural commercial banks and village banks, etc., to access the People's Bank of China Interconnection Platform through Rural Credit Union, and to process outgoing and incoming transactions, message parsing, etc. on the People's Bank of China Interconnection Platform.

[0042] (6) Operations Management Center: Responsible for the system management of cooperative institutions, users, roles, permissions, etc., system parameter management, wallet account opening and closing, withdrawal and return, money transfer and other query services and report statistics, reconciliation result query and error handling, etc.

[0043] (7) Reconciliation Center: Responsible for receiving reconciliation messages from 2.0 operating institutions, downloading reconciliation messages, parsing and storing them, reconciling business details, reconciling accounting details, and handling errors.

[0044] Example 2:

[0045] Taking transferring money from a wallet as an example, the business process is as follows: Figure 2 As shown.

[0046] 1. Individual and corporate clients log in to commercial bank channel systems (mobile banking, corporate online banking, etc.);

[0047] 2. Individual and corporate clients enter information such as the transfer amount and submit a wallet transfer request. The commercial bank's channel system then sends the wallet transfer request to the digital currency access platform for the transaction.

[0048] 3. The digital currency access platform conducts a legality check on the elements of wallet transfers, such as payment wallet information, wallet status, transfer amount, and transaction type;

[0049] 3.1. Business legality check successful. Assemble and send wallet transfer message to wallet payment 2.0 operating institution;

[0050] 3.2. If the transaction legality check fails, the system will return a message indicating that the transfer failed and related information. The commercial bank's channel system will then display the transfer failure result to individual and corporate clients.

[0051] 4. Wallet Payment 2.0: The operating institution receives wallet transfer messages sent by the digital currency access platform, checks the legality of the message information, and deducts funds from the wallet after the verification is passed.

[0052] 4.1. Once the wallet deduction is successful, assemble and send the wallet transfer message to the People's Bank of China's interconnection platform;

[0053] 4.2. If message information verification fails or wallet deduction fails, the system will return a message indicating that the transfer failed. The digital currency access platform will then forward the message to the commercial bank's channel system to display the transfer failure result to individual and corporate clients.

[0054] 5. The People's Bank of China's interconnection platform forwards wallet transfer messages to wallet receiving 2.0 operating institutions;

[0055] 6. Wallet Payment 2.0: The operating institution receives wallet transfer messages forwarded by the People's Bank of China's interconnection platform, checks the legality of the message information, and credits the wallet after the verification is passed;

[0056] 6.1. The money was successfully deposited into the wallet. A transfer message was returned to the wallet, and the transaction status was "successful." The message was returned via the original payment method, and the commercial bank's channel system displayed the successful transfer result to individual and corporate clients.

[0057] 6.2. If a wallet transfer fails, a wallet transfer message is returned with a "failed" status and the reason for the failure. The message is returned via the original payment method. Upon receiving the wallet transfer failure message, the Wallet Payment 2.0 operating institution reverses the wallet deduction and returns the deducted amount to the payment wallet. The commercial bank channel system displays the transfer failure result to individual and corporate clients.

[0058] Those skilled in the art will understand that, in addition to implementing the system, apparatus, and their modules provided by this invention in purely computer-readable program code, the same program can be implemented in the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps. Therefore, the system, apparatus, and their modules provided by this invention can be considered a hardware component, and the modules included therein for implementing various programs can also be considered structures within the hardware component; alternatively, modules for implementing various functions can be considered both software programs implementing the method and structures within the hardware component.

[0059] Specific embodiments of the present invention have been described above. It should be understood that the present invention is not limited to the specific embodiments described above, and those skilled in the art can make various changes or modifications within the scope of the claims, which do not affect the essence of the present invention. Unless otherwise specified, the embodiments and features described in this application can be arbitrarily combined with each other.

Claims

1. A digital currency transaction management method, characterized in that, include: Step 1: In the commercial bank channel system, the fixed-length message and JSON message transaction interface of the digital currency access platform is called through the TCP protocol, and then the transaction request is sent to the digital currency platform trading center; Step 2: Parse the message and verify the data format through the encapsulated interface. After the verification is passed, complete the business logic processing according to the business process. At the same time, save the transaction data to the relational database. The transfer center assembles the JSON message according to the interface provided by the operating institution and sends the transaction to the digital currency operating institution. After the digital currency operating institution accepts the transaction request, it returns the transaction message to the digital currency access platform. Step 3: The digital currency access platform's transfer center parses the JSON message and updates the transaction status data. The transaction center then returns the results to the commercial bank's channel system based on the transaction status data. The digital currency business is netted and settled at set time intervals. After the settlement is completed, a reconciliation file is generated. The digital currency access platform retrieves the reconciliation file at regular intervals. After the file is successfully retrieved, the reconciliation center starts to reconcile the digital currency exchange transactions one by one. After the transaction reconciliation is completed, the customer's accounts are checked. After the accounts are successfully checked, the reconciliation status is updated to "balanced" or "unbalanced". If the reconciliation is balanced, the reconciliation process ends. If the reconciliation is unbalanced, the reconciliation center automatically initiates a supplementary accounting or reversal process to handle the error. After the error is handled successfully, the reconciliation status is updated to "balanced" and then the reconciliation process ends.

2. The digital currency transaction management method according to claim 1, characterized in that, For each customer information access function, only a limited number of customer information elements are provided to meet the needs of business processing. Transaction authorization control and operation logs are implemented for access to sensitive information, including customer information. Log information related to customer information is recorded for auditing purposes. Only the data field content required by the other system is transmitted in the system interface.

3. The digital currency transaction management method according to claim 1, characterized in that, The front end of the digital currency access platform connects with the commercial bank channel system through a transaction interface, while the back end of the digital currency access platform connects with the digital currency operating institution system through transaction messages. The transaction process for digital currency business for individual and corporate customers is as follows: Individual and corporate customers initiate digital currency business transaction requests through commercial bank channel systems. After the transaction request reaches the digital currency access platform, the platform verifies the legality of digital currency business data, processes business logic, stores transaction information, and records it in the core customer's account. Then, the digital currency access platform forwards the transaction request to the digital currency operating institution. The digital currency operating institution receives the transaction request and processes the digital currency business. After the business is processed, it returns the transaction result to the digital currency access platform. After receiving the transaction result, the digital currency access platform updates the transaction processing status and returns the transaction result to the commercial bank channel system. Individual and corporate customers obtain the digital currency transaction result through the commercial bank channel system.

4. A digital currency transaction management system, characterized in that, include: Module M1: In the commercial bank channel system, the fixed-length message and JSON message transaction interface of the digital currency access platform is called through the TCP protocol, and then the transaction request is sent to the digital currency platform trading center; Module M2: It performs message parsing and data format verification through the encapsulated interface. After the verification is successful, it completes the business logic processing according to the business process and saves the transaction data to the relational database. The transfer center assembles JSON messages according to the interface provided by the operating institution and sends the transaction to the digital currency operating institution. After the digital currency operating institution accepts the transaction request, it returns the transaction message to the digital currency access platform. Module M3: The digital currency access platform's transfer center parses JSON messages and updates transaction status data. The transaction center then returns the results to the commercial bank's channel system based on the transaction status data. The digital currency business is netted and settled at set time intervals. After the settlement is completed, a reconciliation file is generated. The digital currency access platform retrieves the reconciliation file at regular intervals. After the file is successfully retrieved, the reconciliation center starts to reconcile the digital currency exchange transactions one by one. After the transaction reconciliation is completed, the customer's accounts are checked. After the accounts are successfully checked, the reconciliation status is updated to "balanced" or "unbalanced". If the reconciliation is balanced, the reconciliation process ends. If the reconciliation is unbalanced, the reconciliation center automatically initiates a supplementary accounting or reversal process to handle the error. After the error is handled successfully, the reconciliation status is updated to "balanced" and then the reconciliation process ends.

5. The digital currency transaction management system according to claim 4, characterized in that, For each customer information access function, only a limited number of customer information elements are provided to meet the needs of business processing. Transaction authorization control and operation logs are implemented for access to sensitive information, including customer information. Log information related to customer information is recorded for auditing purposes. Only the data field content required by the other system is transmitted in the system interface.

6. The digital currency transaction management system according to claim 4, characterized in that, The front end of the digital currency access platform connects with the commercial bank channel system through a transaction interface, while the back end of the digital currency access platform connects with the digital currency operating institution system through transaction messages. The transaction process for digital currency business for individual and corporate customers is as follows: Individual and corporate customers initiate digital currency business transaction requests through commercial bank channel systems. After the transaction request reaches the digital currency access platform, the platform verifies the legality of digital currency business data, processes business logic, stores transaction information, and records it in the core customer's account. Then, the digital currency access platform forwards the transaction request to the digital currency operating institution. The digital currency operating institution receives the transaction request and processes the digital currency business. After the business is processed, it returns the transaction result to the digital currency access platform. After receiving the transaction result, the digital currency access platform updates the transaction processing status and returns the transaction result to the commercial bank channel system. Individual and corporate customers obtain the digital currency transaction result through the commercial bank channel system.

7. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the digital currency transaction management method according to any one of claims 1 to 3.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the computer program is executed by a processor, it implements the steps of the digital currency transaction management method according to any one of claims 1 to 3.

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