Digital currency fund transfer method and device based on smart contract

Abstract

The invention discloses a digital currency fund transfer method and device based on an intelligent contract, and relates to the technical field of digital currency processing. A specific embodiment of the method comprises the following steps: in response to a received fund transfer request sent by a fund transfer party, obtaining a fund transfer amount, an intelligent contract identifier and a collection wallet identifier of a collection mother wallet of a fund receiver according to the fund transfer request; a contract wallet identifier is obtained according to the collection wallet identifier and the intelligent contract identifier, and the contract wallet is a digital currency wallet generated during intelligent contract deployment and associated with the collection wallet identifier; and calling the intelligent contract to add the digital currency corresponding to the fund transfer amount in the contract wallet. According to the implementation mode, directional payment of loan funds and penetration management of loan funds are realized, manual intervention is reduced, the fund transfer efficiency and accuracy are improved, and human errors and disputes are reduced; and transaction transparency and reliability are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of digital currency processing, and in particular to a digital currency funds transfer method and device based on smart contracts. Background Art

[0002] At present, in the process of using digital currency to transfer funds (such as loan issuance, etc.), funds are usually directly issued to the digital currency wallet of the fund recipient. The fund recipient can operate the wallet independently to make payments, and the loan funds are mixed with the company's own funds in the wallet, so it is impossible to effectively manage the transferred funds for targeted payments. In addition, manual intervention is required every time funds are transferred, which inevitably leads to some human errors and disputes; at the same time, the flow of funds cannot be monitored in real time, and the reliability and transparency of transactions are low, affecting the security of transactions. Summary of the invention

[0003] In view of this, the embodiments of the present invention provide a digital currency fund transfer method and device based on smart contracts, which can realize digital currency fund transfer by opening a fund recipient mother wallet and a contract wallet in an operating institution, realize targeted payment of loan funds and penetrating management of loan funds, and control the scope of use of loan funds by smart contracts. The loan funds are independent of the enterprise's own funds in the mother wallet, ensuring that the loan funds are executed in accordance with the loan contract, thereby realizing targeted payment of loan funds; realizing automated contract execution and reducing manual intervention. Smart contracts can automatically execute contract terms and payment rules according to preset conditions, improve the efficiency and accuracy of fund transfer, and reduce the occurrence of human errors and disputes; improve transaction transparency and reliability. The execution process of smart contracts can be publicly recorded and traced, so that the participants in the fund transfer can monitor and verify the occurrence and status of transactions in real time, ensure the reliability and transparency of transactions, and help prevent fraud and reduce trust costs.

[0004] To achieve the above object, according to one aspect of an embodiment of the present invention, a digital currency fund transfer method based on a smart contract is provided, comprising:

[0005] In response to receiving a fund transfer request from the fund transferor, obtaining the fund transfer amount, the smart contract identifier, and the receiving wallet identifier of the fund recipient's receiving parent wallet according to the fund transfer request;

[0006] Obtaining a contract wallet identifier according to the payment wallet identifier and the smart contract identifier, wherein the contract wallet is a digital currency wallet associated with the payment wallet identifier generated when the smart contract is deployed;

[0007] Calling the smart contract increases the digital currency corresponding to the fund transfer amount in the contract wallet.

[0008] Optionally, the method further includes: while calling the smart contract to increase the digital currency corresponding to the funds transfer amount in the contract wallet, reducing the digital currency corresponding to the funds transfer amount in the payment wallet of the funds transferor.

[0009] Optionally, the method further includes: in response to detecting that a trigger condition for funds transfer is met, calling the smart contract to transfer funds.

[0010] Optionally, the detection of satisfying the fund transfer trigger condition includes: when detecting that digital currency is transferred into the contract wallet through the receiving mother wallet, generating a fund transfer verification instruction and calling the smart contract to perform fund transfer verification; when the fund transfer verification passes, determining that the fund transfer trigger condition is satisfied; or, when the fund transfer verification passes and the fund transfer deadline is reached, determining that the fund transfer trigger condition is satisfied.

[0011] Optionally, the method also includes: obtaining the transfer amount in the funds transfer verification instruction; calling the smart contract to transfer funds includes: calling the smart contract to reduce the digital currency corresponding to the transfer amount in the contract wallet, and increase the digital currency corresponding to the transfer amount in the payment wallet of the funds transferor.

[0012] Optionally, the method further includes: in response to receiving a funds transfer confirmation request sent by the funds transferor after receiving the transferred funds, calling the smart contract to update the funds transfer record.

[0013] Optionally, the method further includes: in response to receiving a fund transfer return request sent by the fund recipient, obtaining a return amount and a receiving wallet identifier from the fund transfer return request; and calling the smart contract to return the digital currency corresponding to the return amount in the contract wallet to the receiving parent wallet.

[0014] Optionally, before the smart contract deployment is performed, the process also includes: in response to receiving a contract product generation request, generating a smart contract product according to a smart contract template and a pre-signed smart contract service agreement.

[0015] Optionally, the deploying the smart contract includes: deploying the smart contract according to the contract parameters and the smart contract product.

[0016] Optionally, after calling the smart contract to add digital currency corresponding to the fund transfer amount in the contract wallet, it also includes: calling the smart contract to make fund payment.

[0017] Optionally, the smart contract service agreement includes a fund payment method, and calling the smart contract to make fund payment includes: calling the smart contract to make fund payment according to the fund payment method.

[0018] Optionally, calling the smart contract to make a fund payment includes: in response to receiving a payment request from the fund recipient or the fund transferor, obtaining a payment amount and a transaction party wallet identifier from the payment request; calling the smart contract, reducing the digital currency corresponding to the payment amount in the contract wallet, and increasing the digital currency corresponding to the payment amount in the transaction party wallet corresponding to the transaction party wallet identifier.

[0019] Optionally, it also includes: in response to receiving a fund recovery request from the fund transferor, obtaining a recovery amount from the fund recovery request; calling the smart contract to reduce the digital currency corresponding to the recovery amount in the contract wallet, and increase the digital currency corresponding to the recovery amount in the payment wallet of the fund transferor.

[0020] Optionally, the method also includes: in response to receiving a contract change request sent by the fund transferor, obtaining a smart contract identifier and parameter change information from the contract change request; obtaining a smart contract according to the smart contract identifier, and making parameter changes to the obtained smart contract according to the parameter change information.

[0021] Optionally, before obtaining the contract wallet identifier according to the receiving wallet identifier and the smart contract identifier, it also includes: determining that the funds transfer status is a normal state; and the method also includes: in response to receiving a funds transfer suspension request sent by the funds transferor after the funds transfer status is abnormal, calling the smart contract to change the funds transfer status to an abnormal state; in response to receiving a funds transfer resumption request sent by the funds transferor after the funds transfer status returns to normal, calling the smart contract to change the funds transfer status to the funds transfer status before the funds transfer is suspended.

[0022] Optionally, the method also includes: in response to detecting that the smart contract has a security risk, calling the smart contract to change the contract state to a frozen state; in response to detecting that the security risk of the smart contract is resolved, calling the smart contract to change the contract state to a normal state.

[0023] Optionally, the method further includes: in response to receiving a contract cancellation request sent by the fund transferor after the fund transfer contract ends, calling the smart contract to change the contract state of the smart contract to a cancelled state; and canceling the contract wallet according to the smart contract cancellation result.

[0024] According to another aspect of an embodiment of the present invention, there is provided a digital currency fund transfer device based on a smart contract, comprising:

[0025] A request parameter acquisition module, configured to respond to a fund transfer request received from a fund transferor and acquire a fund transfer amount, a smart contract identifier, and a receiving wallet identifier of a receiving parent wallet of a fund recipient according to the fund transfer request;

[0026] A contract wallet acquisition module, used to obtain a contract wallet identifier according to the payment wallet identifier and the smart contract identifier, wherein the contract wallet is a digital currency wallet associated with the payment wallet identifier generated when the smart contract is deployed;

[0027] The fund transfer processing module is used to call the smart contract to add digital currency corresponding to the fund transfer amount in the contract wallet.

[0028] According to another aspect of an embodiment of the present invention, an electronic device is provided, comprising: one or more processors; a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the digital currency funds transfer method based on smart contracts provided in an embodiment of the present invention.

[0029] According to another aspect of an embodiment of the present invention, a computer-readable medium is provided, on which a computer program is stored, and when the program is executed by a processor, the digital currency funds transfer method based on a smart contract provided by an embodiment of the present invention is implemented.

[0030] An embodiment of the above invention has the following advantages or beneficial effects: by responding to a fund transfer request received from a fund transferor, obtaining the fund transfer amount, the smart contract identifier and the receiving wallet identifier of the fund recipient's receiving mother wallet according to the fund transfer request; obtaining the contract wallet identifier according to the receiving wallet identifier and the smart contract identifier, wherein the contract wallet is a digital currency wallet associated with the receiving wallet identifier generated when the smart contract is deployed; calling the smart contract to add a technical solution of digital currency corresponding to the fund transfer amount to the contract wallet, realizing digital currency fund transfer by opening a fund recipient mother wallet and a contract wallet in an operating institution, and realizing targeted payment and loan funds. Penetrating management: the scope of use of loan funds is controlled by smart contracts. The loan funds are independent of the company's own funds in the parent wallet, ensuring that the loan funds are executed in accordance with the terms of the loan contract, thereby realizing targeted payment of loan funds; realizing automated contract execution and reducing human intervention. Smart contracts can automatically execute contract terms and payment rules according to preset conditions, improve the efficiency and accuracy of fund transfers, and reduce the occurrence of human errors and disputes; improving transaction transparency and reliability. The execution process of smart contracts can be publicly recorded and traced so that the parties involved in the fund transfer can monitor and verify the occurrence and status of the transaction in real time, ensuring the reliability and transparency of the transaction, and helping to prevent fraud and reduce trust costs.

[0031] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with specific implementation examples. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0033] Figure 1 Schematic diagram of the main steps of a digital currency fund transfer method based on a smart contract according to an embodiment of the present invention;

[0034] Figure 2 It is a schematic diagram of the smart contract deployment process of an embodiment of the present invention;

[0035] Figure 3 is a schematic diagram of a funds transfer process according to an embodiment of the present invention;

[0036] Figure 4 This is a schematic diagram of a fund payment process according to an embodiment of the present invention;

[0037] Figure 5 is a schematic diagram of a fund payment process according to another embodiment of the present invention;

[0038] Figure 6 It is a schematic diagram of a fund recovery process according to an embodiment of the present invention;

[0039] Figure 7 This is a schematic diagram of a funds transfer process according to an embodiment of the present invention;

[0040] Figure 8 is a schematic diagram of the main modules of a digital currency fund transfer device based on a smart contract according to an embodiment of the present invention;

[0041] Fig. 9 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0042] Fig.10 It is a schematic diagram of the structure of a computer system of a terminal device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0043] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0044] It should be noted that the collection, collection, updating, analysis, processing, use, transmission, storage and other aspects of user personal information involved in the technical solution disclosed in the present invention are in compliance with the provisions of relevant laws and regulations, are used for legitimate purposes, and do not violate public order and good morals. Necessary measures are taken for user personal information to prevent illegal access to user personal information data and maintain the security of user personal information, network security and national security.

[0045] In the introduction of the embodiments of the present invention, the professional terms and their definitions are as follows:

[0046] Lender: refers to banking financial institutions and microfinance companies established in accordance with the law to engage in loan business;

[0047] Borrower: refers to a corporate entity or natural person who obtains a loan from a financial institution engaged in loan business;

[0048] Autonomous payment: After the lender releases the loan funds to the borrower's wallet according to the borrower's withdrawal application, the borrower will independently pay it to the borrower's trading partner for the purpose agreed in the contract;

[0049] Entrusted payment: The lender pays the loan funds to the borrower who meets the requirements of the loan contract according to the borrower's withdrawal application and payment entrustment. Entrusted payment is usually associated with the loan contract;

[0050] Smart contract products: a set of common rules built on the basis of contract templates. Some contract template parameters are set according to specific business products to facilitate management by operating institutions and lenders.

[0051] Smart contract: When a smart contract product is instantiated on a contract wallet, a specific smart contract is formed.

[0052] In order to solve the technical problems existing in the prior art, the present invention provides a digital currency fund transfer method based on smart contracts, which can be applied to various scenarios that require smart contract management of fund transfers, such as supply chain finance scenarios, fixed asset loans, working capital loans and other scenarios. Taking the use of loan scenarios as an example, the use of smart contracts for digital currency loan management can solve the following problems by opening a parent wallet and contract wallet of the fund recipient (i.e., the borrower) in the operating institution:

[0053] 1. Targeted payment and penetrating management of loan funds are realized. The scope of use of loan funds is controlled by smart contracts. Loan funds are independent of the company's own funds in the parent wallet, ensuring that loan funds are executed in accordance with the loan contract;

[0054] Second, it realizes automated contract execution and reduces human intervention. Smart contract loans can automatically execute contract terms and payment rules according to preset conditions, improve the efficiency and accuracy of financing and lending, and reduce the occurrence of human errors and disputes;

[0055] 3. Improve transaction transparency and reliability. The execution process of smart contracts can be publicly recorded and traced, so that the parties involved in the loan can monitor and verify the occurrence and status of the transaction in real time, ensure the reliability and transparency of the transaction, help prevent fraud and reduce trust costs.

[0056] According to an embodiment of the present invention, for each fund recipient (i.e., borrower), the operating institution opens a fund recipient payment mother wallet and at least one contract wallet associated with it. Each contract wallet corresponds to a fund transfer contract (i.e., loan contract). Each contract wallet has different withdrawal steps, which are uniformly managed by the smart contract of the contract wallet. Multiple contract wallets can be set under a fund recipient payment mother wallet, so it can support smart contracts for different fund transfer products (e.g., loan products), and control fund transfers through smart contracts, thereby facilitating the realization of targeted payments.

[0057] The contract wallet needs to be opened under the condition that the receiving parent wallet of the fund recipient has been opened. Here, the fund recipient (i.e., the borrower) can be a corporate entity or a natural person, and the present invention does not limit this. When funds need to be transferred to the contract wallet, it is necessary to provide the receiving wallet identifier of the parent wallet and the smart contract identifier (for example, the contract number), and then transfer the funds directly to the contract wallet without going through the parent wallet. In this way, the directional payment of funds can be realized.

[0058] The specific implementation process of the present invention will be described below with reference to the accompanying drawings.

[0059] Figure 1 Schematic diagram of the main steps of the digital currency funds transfer method based on smart contracts according to an embodiment of the present invention. Figure 1 As shown, the digital currency fund transfer method based on smart contract in the embodiment of the present invention mainly includes the following steps S101 to S103. In the embodiment of the present invention, the execution subject of the method is the wallet operating organization of the fund recipient (ie, the borrower).

[0060] Step S101: In response to receiving a fund transfer request from the fund transferor, the fund transfer amount, the smart contract identifier, and the fund recipient's receiving wallet identifier of the receiving parent wallet are obtained according to the fund transfer request. In an embodiment of the present invention, the fund transfer request is, for example, a loan issuance request, and the fund transferor is, for example, a lender such as a bank that can provide a loan, responsible for the compliance review of the loan business, ensuring that the loan is used for a legal purpose, and checking and supervising the use of the loan in accordance with the agreement to prevent the loan from being misappropriated. The fund recipient is, for example, a borrower, responsible for applying for a loan from the lender and operating the loan funds through a smart contract in accordance with the agreement.

[0061] According to an embodiment of the present invention, before issuing a loan, it is necessary to deploy a smart contract in advance on the wallet operating organization (hereinafter referred to as "operating organization") platform corresponding to the fund recipient, and generate a contract wallet associated with the fund recipient's payment mother wallet, so as to transfer funds to the contract wallet according to the smart contract. The operating organization (for example, it can be the opening bank corresponding to the fund recipient) is responsible for the creation of the contract wallet, the deployment / calling / cancellation of the smart contract and other operations. When the fund transferor (ie, the lender) is a bank, if the bank is an operating organization of the digital currency, the fund transferor (ie, the lender) can also serve as the operating organization of the fund recipient.

[0062] According to an embodiment of the present invention, before the smart contract is deployed, it also includes: in response to receiving a contract product generation request, generating a smart contract product according to a smart contract template and a pre-signed smart contract service agreement. In addition, the smart contract deployment can be specifically deployed according to the contract parameters and the smart contract product. The signing relationship of the smart contract service agreement can be designed as needed. For example, the smart contract service agreement can be signed by the three parties of the fund recipient (i.e., the borrower), the fund transferor (i.e., the lender) and the fund recipient (i.e., the borrower) operating organization, or the fund recipient (i.e., the borrower) and the fund transferor (i.e., the lender) can sign the smart contract service agreement, and the fund recipient (i.e., the borrower) and the fund recipient (i.e., the borrower) operating organization can sign the smart contract service agreement. The present invention does not limit this.

[0063] Before the smart contract is deployed, the fund transferor (i.e., the lender) and the fund recipient (i.e., the borrower) need to sign a fund transfer contract (e.g., a loan contract) to stipulate the loan content and the responsibilities of both parties, which can be consistent with the bank's regular loan contract. If the fund recipient (i.e., the borrower) does not have a digital currency (e.g., digital RMB) wallet, it is necessary to submit relevant information to open the fund recipient's payment mother wallet. Then, the fund recipient's operating organization, the fund recipient (i.e., the borrower) and the fund transferor (i.e., the lender) sign a smart contract service agreement (as mentioned above, the smart contract service agreement can also be signed in other ways), the content of which may include, for example:

[0064] 1. Contract deployment and fund custody: The operating institution opens a contract wallet and custody the loan funds, which requires the borrower's authorization and consent;

[0065] 2. Entrusted payment (if any): The lender (e.g. bank) will initiate an entrusted payment operation for the loan funds in the borrower's contract wallet, which requires the borrower's authorization and consent;

[0066] 3. Enterprise information protection: inform the borrower that the loan funds flow will be synchronized to the lender for interest settlement, which requires the borrower's authorization and consent;

[0067] 4. Smart contract service: The borrower agrees that the funds in the contract wallet will be controlled by the smart contract.

[0068] After signing the smart contract service agreement, the operating organization of the fund transferor (i.e., the lender) will generate a smart contract product based on the smart contract template and the smart contract service agreement. Among them, the smart contract template is, for example, issued in advance by the central bank to the operating organization. Smart contract products include, but are not limited to, the following fields: borrower wallet operating organization, lender name, lender certificate type, lender certificate number, lender wallet name, lender wallet logo, lender wallet operating organization, loan product number, loan product type, smart contract template number, smart contract template version number, etc.

[0069] After the smart contract product is generated, the operating agency will notify the fund transferor (i.e. the lender) that the smart contract product has been generated to prompt that the smart contract deployment can be carried out.

[0070] The fund transferor (i.e., lender) chooses to issue a loan through a smart contract and initiates a contract deployment request to the operating organization corresponding to the fund recipient (i.e., borrower). The contract deployment request includes the recipient wallet ID and contract parameters of the fund recipient's receiving wallet. In addition to the parameter values ​​corresponding to each field in the aforementioned smart contract product, the contract parameters may also include: the name of the transaction party's wallet, the transaction party's wallet ID, the transaction party's wallet operating organization, etc. The operating organization of the fund recipient (i.e., borrower) can deploy the smart contract based on the contract parameters and smart contract product.

[0071] Figure 2 FIG. 1 is a schematic diagram of a smart contract deployment process according to an embodiment of the present invention. Figure 2 As shown, in one embodiment of the present invention, when deploying a smart contract, first, the fund transferor (i.e., the lender) and the fund recipient (i.e., the borrower) sign a loan contract and a smart contract service agreement; thereafter, the fund transferor (i.e., the lender) generates a contract deployment request and passes the contract parameters to the operating organization of the fund recipient (i.e., the borrower). The operating organization of the fund recipient (i.e., the borrower) first generates a contract wallet associated with the receiving wallet identifier of the fund recipient's receiving mother wallet according to the contract deployment request, and then deploys the smart contract according to the contract parameters, and then generates a contract initialization instruction to call the smart contract to initialize the contract and return the initialization result to complete the deployment of the smart contract. At this time, the contract status will be changed from "Not Enabled" to "Normal"; the loan status is set to "Initial".

[0072] After the smart contract is deployed, the party transferring funds (i.e., the lender) will be informed so that the party transferring funds (i.e., the lender) can actively initiate a request for fund transfer.

[0073] In other embodiments of the present invention, the smart contract service agreement may also be signed by the fund recipient (i.e., the borrower), the fund transferor (i.e., the lender) and the fund recipient's (i.e., the borrower) operating organization. It may also be signed by the fund recipient (i.e., the borrower) and the fund recipient's (i.e., the borrower) operating organization. The specific signing method can be set according to business needs.

[0074] Step S102: Obtain the contract wallet identifier according to the receiving wallet identifier and the smart contract identifier, wherein the contract wallet is a digital currency wallet associated with the receiving wallet identifier generated when the smart contract is deployed. When transferring funds, the contract wallet to which the funds are to be transferred can be uniquely determined by the receiving wallet identifier and the smart contract identifier included in the fund transfer request. In the subsequent embodiments of the present invention, the contract wallet to be operated is also uniquely determined based on the receiving wallet identifier and the smart contract identifier.

[0075] Step S103: Call the smart contract to add digital currency corresponding to the amount of funds transferred to the contract wallet. In this embodiment, when adding digital currency to the contract wallet, digital currency can be generated in the contract wallet and the digital currency in the payment wallet of the fund transferor can be destroyed; or the digital currency in the payment wallet of the fund transferor can be transferred to the contract wallet.

[0076] According to one embodiment of the present invention, it also includes: while calling the smart contract to increase the digital currency corresponding to the fund transfer amount in the contract wallet, reducing the digital currency corresponding to the fund transfer amount in the payment wallet of the fund transferor.

[0077] Figure 3 FIG. 1 is a schematic diagram of a fund transfer process according to an embodiment of the present invention. Figure 3 As shown, in an embodiment of the present invention, when transferring funds, first, the fund transferor (i.e., the lender) sends a fund transfer request to the operating organization of the fund recipient (i.e., the borrower), and the fund transfer request includes the receiving wallet identifier and the smart contract identifier of the receiving mother wallet of the fund recipient; then, the operating organization of the fund recipient (i.e., the borrower) calls the smart contract corresponding to the smart contract identifier deployed thereon to process the fund transfer; the smart contract first performs a fund transfer verification to determine whether the fund transfer conditions are met. If the verification fails, the operating organization of the fund recipient (i.e., the borrower) and the fund transferor (i.e., the lender) are notified, and the funds are returned to the payment wallet; if the verification passes, the amount of transferred funds is updated, and the loan record is added (at the same time, the loan status can also be changed to "loaned"). Then, the funds are transferred to the contract wallet (determined according to the receiving wallet identifier and the smart contract identifier), and the result is returned.

[0078] According to another embodiment of the present invention, after calling the smart contract to add the digital currency corresponding to the fund transfer amount in the contract wallet, it also includes: calling the smart contract to make fund payment. After transferring the funds to the contract wallet, the fund recipient (i.e., the borrower) can use the funds to make fund payment for its trading party. Specifically, when making fund payment, the smart contract can also be called to make fund payment.

[0079] According to one embodiment of the present invention, the smart contract service agreement includes a fund payment method. In addition, the calling of the smart contract for fund payment may specifically include: calling the smart contract for fund payment according to the fund payment method. Among them, the fund payment method mainly includes entrusted payment and autonomous payment. In the case of entrusted payment, the funds in the contract wallet are only allowed to be transferred to the wallet set in the smart contract whitelist. In the case of autonomous payment, if a whitelist is set, the contract wallet funds can only be transferred to the whitelist wallet; if a blacklist is set, the contract wallet funds cannot be transferred to the blacklist wallet; or the whitelist and blacklist may not be set to achieve completely autonomous payment. For the transfer of funds for entrusted payment, the funds in the contract wallet must be transferred in full to the transaction party wallet agreed upon by the contract parameters. If the transfer to the transaction party wallet fails, the fund transferor can retry. If the funds are transferred to the contract wallet of the fund recipient, multiple entrusted transfers have failed, the fund transferor can actively initiate a fund recovery request to return the transferred funds from the contract wallet of the fund recipient.

[0080] According to another embodiment of the present invention, the calling of the smart contract to make a fund payment includes: in response to receiving a payment request from the fund recipient or the fund transferor, obtaining the payment amount and the transaction party wallet identifier from the payment request; calling the smart contract, reducing the digital currency corresponding to the payment amount in the contract wallet, and increasing the digital currency corresponding to the payment amount in the transaction party wallet corresponding to the transaction party wallet identifier. The transaction party wallet can be, for example, another party wallet or a payment receiving parent wallet.

[0081] Figure 4 FIG. 1 is a schematic diagram of a fund payment process according to an embodiment of the present invention. Figure 4As shown, in an embodiment of the present invention, taking entrusted payment as an example, when making a fund payment, first, the fund transferor (i.e., the lender) sends a entrusted payment request to the operating institution of the fund recipient (i.e., the borrower), and the entrusted payment request includes the receiving wallet identifier, the transaction party wallet identifier, and the smart contract identifier; then, the operating institution of the fund recipient (i.e., the borrower) calls the smart contract corresponding to the smart contract identifier deployed thereon to perform entrusted payment processing. The smart contract executes the entrusted payment processing. If the entrusted payment fails, the result of the entrusted payment failure is returned, and the entrusted payment is no longer executed; if the entrusted payment is successful, the funds are transferred from the contract wallet (determined according to the receiving wallet identifier and the smart contract identifier) ​​to the transaction party wallet. After receiving the transfer success notification returned by the transaction party, the loan status is updated (for example, updated to "paid"), a payment record is added, and the result of the entrusted payment success is returned. Among them, if the fund processing fails, the fund recipient (i.e., the borrower) operating institution corresponding to the contract wallet will perform the account suspension processing for manual processing.

[0082] Figure 5 FIG. 1 is a schematic diagram of a fund payment process according to another embodiment of the present invention. Figure 5 As shown, in another embodiment of the present invention, if the payment method is autonomous payment, when making fund payment, the fund recipient (i.e., the borrower) sends an autonomous payment request to trigger the autonomous payment process. First, the fund recipient (i.e., the borrower) sends an autonomous payment request to the operating institution of the fund recipient (i.e., the borrower), and the autonomous payment request includes the receiving wallet identifier, the transaction party wallet identifier, and the smart contract identifier; then, the operating institution of the fund recipient (i.e., the borrower) calls the smart contract corresponding to the smart contract identifier deployed thereon to perform autonomous payment processing. The smart contract performs autonomous payment processing. If the autonomous payment fails, the result of autonomous payment failure is returned, and autonomous payment is no longer executed; if the autonomous payment is successful, the funds are transferred from the contract wallet (determined according to the receiving wallet identifier and the smart contract identifier) ​​to the transaction party wallet. After receiving the transfer success notification returned by the transaction party, the loan status is updated (for example, updated to "paid"), a payment record is added, and the result of autonomous payment success is returned. Among them, if the funds processing fails, the operating organization of the fund recipient (i.e. the borrower) corresponding to the contract wallet will put the account on hold for manual processing.

[0083] According to another embodiment of the present invention, the fund transfer method may further include: in response to receiving a fund recovery request from the fund transferor, obtaining a recovery amount from the fund recovery request; calling the smart contract to reduce the digital currency corresponding to the recovery amount in the contract wallet, and increase the digital currency corresponding to the recovery amount in the payment wallet of the fund transferor. When the entrusted payment fails or some other reasons need to trigger the fund transferor (i.e., the lender) to recover funds, the fund transferor (i.e., the lender) will return the funds to the payment wallet of the fund transferor (i.e., the lender) by executing the fund recovery process.

[0084] Figure 6 FIG. 1 is a schematic diagram of a fund recovery process according to an embodiment of the present invention. Figure 6 As shown, in an embodiment of the present invention, taking entrusted payment as an example, when recovering funds, first, the fund transferor (i.e., the lender) sends a fund recovery request to the operating organization of the fund recipient (i.e., the borrower), and the fund recovery request includes the recovery amount, smart contract identifier, payment wallet identifier, and receiving wallet identifier, etc.; then, the operating organization of the fund recipient (i.e., the borrower) calls the smart contract corresponding to the smart contract identifier deployed thereon to perform fund recovery processing. The smart contract performs fund recovery processing. If the fund recovery fails, the result of fund recovery failure is returned, and fund recovery is no longer executed; if the fund recovery is successful, the funds are transferred from the contract wallet (determined according to the receiving wallet identifier and the smart contract identifier) ​​to the payment wallet of the fund transferor (i.e., the lender), and after receiving the transfer success notification returned by the fund transferor (i.e., the lender), the loan amount and loan status are updated (for example, updated to "to be issued"), etc., a transaction record is added, and the result of successful fund recovery is returned. Among them, if the funds processing fails, the operating organization of the fund recipient (i.e. the borrower) corresponding to the contract wallet will put the account on hold for manual processing.

[0085] According to one of the embodiments of the present invention, the method for transferring funds may further include: in response to detecting that a trigger condition for transferring funds is met, calling the smart contract to transfer funds.

[0086] According to one embodiment of the present invention, the detection of satisfying the fund transfer trigger condition includes: when detecting that the contract wallet is transferred with digital currency through the receiving mother wallet, generating a fund transfer verification instruction and calling the smart contract to perform fund transfer verification; when the fund transfer verification passes, determining that the fund transfer trigger condition is satisfied; or, when the fund transfer verification passes and the fund transfer deadline is reached, determining that the fund transfer trigger condition is satisfied. Specifically, when the fund recipient (i.e., the borrower) transfers the transfer amount to the contract wallet, the operating organization of the fund recipient (i.e., the borrower) can verify whether the fund transfer condition is satisfied, and if so, trigger the fund transfer (i.e., repayment) process; in addition, when the fund transfer condition is satisfied, it can further verify whether the fund transfer deadline is reached, and trigger the fund transfer process after the fund transfer deadline is reached.

[0087] According to a specific embodiment of the present invention, the method for fund transfer also includes: obtaining the transfer amount in the fund transfer verification instruction; the calling of the smart contract to transfer funds includes: calling the smart contract to reduce the digital currency corresponding to the transfer amount in the contract wallet, and increase the digital currency corresponding to the transfer amount in the payment wallet of the fund transferor. When verifying the transfer of funds, it is also possible to verify whether the transfer amount is correct. In addition, when calling the smart contract to repay, it can be specifically to cancel the digital currency corresponding to the repayment amount in the contract wallet, and generate the digital currency corresponding to the repayment amount in the payment wallet; it can also be to directly transfer the digital currency corresponding to the repayment amount in the contract wallet to the payment wallet.

[0088] According to another specific embodiment of the present invention, the method for transferring funds further includes: in response to receiving a funds transfer confirmation request sent by the funds transferor after receiving the transferred funds, calling the smart contract to update the funds transfer record.

[0089] Figure 7 FIG. 1 is a schematic diagram of a funds transfer process according to an embodiment of the present invention. Figure 7As shown, in an embodiment of the present invention, the fund recipient (i.e., the borrower) repays the funds to the smart contract wallet, and then the smart contract controls and repays the funds to the fund transferor (i.e., the lender) regularly as an example. When transferring funds, first, the fund recipient (i.e., the borrower) transfers the transferred funds (repayment funds) from the receiving mother wallet to the contract wallet as agreed, and can transfer the repayment funds multiple times as needed; after receiving the transferred funds, the operating institution of the fund recipient (i.e., the borrower) generates a fund transfer verification instruction, which includes the transfer amount, smart contract identifier, and the receiving wallet identifier of the receiving mother wallet; the smart contract corresponding to the smart contract identifier deployed thereon is called to process the fund transfer. The smart contract verifies the funds transfer. If the verification fails (for example, the transferred funds are insufficient), the transferred funds will be returned to the receiving parent wallet. If the verification succeeds, the operating organization of the fund recipient (i.e., the borrower) will call the smart contract to process the funds transfer (can be called multiple times) after receiving the funds transfer request from the fund transferor (i.e., the lender) after the repayment period has expired. The smart contract verifies the funds transfer (i.e., repayment) and transfers the transferred funds from the contract wallet to the payment wallet of the fund transferor (i.e., the lender) after the verification passes. Then, the funds transfer record is updated and the funds transfer success is returned.

[0090] In another embodiment of the present invention, when transferring funds, the fund transferor (i.e., the lender) and the fund receiver (i.e., the borrower) may agree on other fund transfer methods (e.g., offline transfers), and the fund transfer record is recorded by the smart contract. Specifically, the fund receiver (i.e., the borrower) transfers a transfer fund to the fund transferor (i.e., the lender) offline, and then the fund transferor (i.e., the lender) initiates a fund transfer request to the operating organization of the fund receiver (i.e., the borrower), so that the operating organization of the fund receiver (i.e., the borrower) can call the smart contract to process the fund transfer and update the fund transfer record after confirming the identity of the fund transferor (i.e., the lender), and notify the successful transfer of funds.

[0091] According to another embodiment of the present invention, the method for fund transfer may further include: in response to receiving a fund transfer return request sent by the fund recipient, obtaining a return amount and a receiving wallet identifier from the fund transfer return request; calling the smart contract to return the digital currency corresponding to the return amount in the contract wallet to the receiving mother wallet. The fund transfer method of the present invention also supports the fund recipient (i.e., the borrower) to initiate a fund transfer return, and it can be initiated multiple times, but only the fund transfer return can be initiated for the funds transferred by the fund recipient (i.e., the borrower) to the contract wallet for repayment. Specifically, the fund recipient (i.e., the borrower) initiates a fund transfer return request to the operating institution of the fund recipient (i.e., the borrower), and the request includes a smart contract identifier, a receiving wallet identifier of the receiving mother wallet, a return amount, etc. The operating institution calls the smart contract corresponding to the smart contract identifier to perform a fund transfer return verification, such as verifying whether the return amount exceeds the balance in the contract wallet, etc. After the verification is passed, the funds corresponding to the return amount are returned to the receiving mother wallet.

[0092] According to another embodiment of the present invention, the method for fund transfer may further include: in response to receiving a contract change request from the fund transferor, obtaining a smart contract identifier and parameter change information from the contract change request; obtaining a smart contract according to the smart contract identifier, and changing the parameters of the obtained smart contract according to the parameter change information. The fund transferor (i.e., the lender) and the fund recipient (i.e., the borrower) sign a loan change agreement, referring to the existing process, including the lender accepting the application, reviewing the materials, and updating the agreement. Among them, only some parameters support changes, including "transaction party white list", "transaction party black list", "credit limit" and "other loan related information". The fund transferor (i.e., the lender) initiates a contract change request to the operating institution of the fund recipient (i.e., the borrower), and the request includes a smart contract identifier, parameter change information, etc.; the operating institution calls the smart contract to update the contract parameters according to the parameter change information, and returns the update result.

[0093] Through the smart contract identification, both the fund recipient (i.e., the borrower) and the fund transferor (i.e., the lender) can query and obtain the smart contract parameters and contract wallet balance. Among them, the smart contract parameters include loan payment type, basic contract information, lender information, borrower information, transaction party whitelist, transaction party blacklist, credit status, loan product information, transaction records, loan status and contract status, etc.

[0094] According to another embodiment of the present invention, before obtaining the contract wallet identifier according to the receiving wallet identifier and the smart contract identifier, it may also include: determining that the fund transfer state is a normal state. In addition, the fund transfer method further includes: in response to receiving a fund transfer suspension request sent by the fund transferor after the fund transfer state is abnormal, calling the smart contract to change the fund transfer state to an abnormal state; in response to receiving a fund transfer recovery request sent by the fund transferor after the fund transfer state returns to normal, calling the smart contract to change the fund transfer state to the fund transfer state before the fund transfer is suspended. In the normal state of the loan business process, the loan status is automatically updated internally by the contract code control without external intervention. If the fund transferor (i.e., the lender) needs to suspend the fund transfer (e.g., loan) process due to business risk control and other reasons, it can send a request to the operating institution of the fund recipient (i.e., the borrower) to set the fund transfer state to "suspend". The contract wallet in the suspended state will be frozen, and external funds cannot be transferred into the contract wallet, and funds in the contract wallet cannot be transferred out. If the fund transferor (i.e., the lender) confirms that the business risk has been eliminated, it can send a request to the operating organization of the fund recipient (i.e., the borrower) to resume the normal process of the fund transfer business. The fund transfer status must be restored from abnormal to the previous status before it can be completed.

[0095] According to another embodiment of the present invention, the method of fund transfer further includes: in response to detecting that the smart contract has a security risk, calling the smart contract to change the contract state to a frozen state; in response to detecting that the security risk of the smart contract is lifted, calling the smart contract to change the contract state to a normal state. The contract state change operation is initiated by the operating organization of the fund recipient (i.e., the borrower). In the business operation process of the smart contract for fund transfer, in principle, only the fund transferor (i.e., the lender) or the fund recipient (i.e., the borrower) can change the smart contract state. However, if the operating organization needs to suspend the smart contract service on the contract wallet due to special reasons such as anti-money laundering, it can initiate a contract state change and change the contract state in the smart contract parameters to "frozen". A smart contract set to a "frozen" state will suspend the execution of any operation until the operating organization restores the smart contract state to normal.

[0096] According to another embodiment of the present invention, the method of fund transfer further includes: in response to receiving a contract cancellation request sent by the fund transfer party after the fund transfer contract ends, calling the smart contract to change the contract state of the smart contract to a cancellation state; canceling the contract wallet according to the cancellation result of the smart contract. After the fund transfer (e.g., loan) completes all repayments and subsequent management processes, the contract cancellation is supported, and the contract cancellation process is irreversible. After the contract is cancelled, the loan issuance and repayment records can still be retained for a period of time. Specifically, the fund transfer party (i.e., the lender) confirms that the fund transfer contract has ended, and initiates a contract cancellation request to the operating organization of the fund recipient (i.e., the borrower), the request includes a smart contract identifier and a receiving wallet identifier, the operating organization calls the smart contract to change the contract state of the smart contract to a cancellation state, and can also change the fund transfer state to "end", and then cancel the contract wallet according to the contract cancellation result.

[0097] Figure 8 Schematic diagram of the main modules of the digital currency fund transfer device based on smart contract according to an embodiment of the present invention. Figure 8 As shown, the digital currency funds transfer device 800 based on smart contract in the embodiment of the present invention mainly includes:

[0098] The request parameter acquisition module 801 is used to respond to the fund transfer request sent by the fund transferor and obtain the fund transfer amount, the smart contract identifier and the receiving wallet identifier of the fund recipient's receiving parent wallet according to the fund transfer request;

[0099] The contract wallet acquisition module 802 is used to obtain the contract wallet identifier according to the payment wallet identifier and the smart contract identifier, wherein the contract wallet is a digital currency wallet associated with the payment wallet identifier generated when the smart contract is deployed;

[0100] The fund transfer processing module 803 is used to call the smart contract to add digital currency corresponding to the fund transfer amount in the contract wallet.

[0101] According to one embodiment of the present invention, the funds transfer processing module 803 can also be used to: while calling the smart contract to increase the digital currency corresponding to the funds transfer amount in the contract wallet, reduce the digital currency corresponding to the funds transfer amount in the payment wallet of the funds transferor.

[0102] According to another embodiment of the present invention, the digital currency funds transfer device 800 based on the smart contract may also include a funds transfer processing module (not shown in the figure), which is used to: in response to detecting that the funds transfer trigger condition is met, call the smart contract to transfer funds.

[0103] According to another embodiment of the present invention, the detection of satisfying the fund transfer trigger condition includes: when detecting that the contract wallet is transferred with digital currency through the receiving mother wallet, generating a fund transfer verification instruction and calling the smart contract to perform fund transfer verification; when the fund transfer verification passes, determining that the fund transfer trigger condition is satisfied; or, when the fund transfer verification passes and the fund transfer deadline is reached, determining that the fund transfer trigger condition is satisfied.

[0104] According to another embodiment of the present invention, the funds transfer processing module (not shown in the figure) can also be used to: obtain the transfer amount in the funds transfer verification instruction; call the smart contract to reduce the digital currency corresponding to the transfer amount in the contract wallet, and increase the digital currency corresponding to the transfer amount in the payment wallet of the funds transferor.

[0105] According to another embodiment of the present invention, the funds transfer processing module (not shown in the figure) can also be used to: in response to receiving a transfer confirmation request sent by the funds transferor after receiving the transferred funds, call the smart contract to update the funds transfer record.

[0106] According to another embodiment of the present invention, the digital currency funds transfer device 800 based on smart contracts may also include a funds transfer return processing module (not shown in the figure), which is used to: in response to receiving a funds transfer return request sent by the funds recipient, obtain the return amount and the receiving wallet identifier from the funds transfer return request; call the smart contract to return the digital currency corresponding to the return amount in the contract wallet to the receiving mother wallet.

[0107] According to another embodiment of the present invention, the digital currency funds transfer device 800 based on smart contracts may also include a smart contract product generation module (not shown in the figure), which is used to: before the smart contract deployment, in response to receiving a contract product generation request, generate a smart contract product according to the smart contract template and a pre-signed smart contract service agreement.

[0108] According to another embodiment of the present invention, the digital currency funds transfer device 800 based on smart contracts may also include a smart contract deployment module (not shown in the figure) for: deploying the smart contract according to the contract parameters and the smart contract product.

[0109] According to another embodiment of the present invention, the digital currency funds transfer device 800 based on a smart contract may further include a funds payment module (not shown in the figure), which is used to: after calling the smart contract to increase the digital currency corresponding to the funds transfer amount in the contract wallet, call the smart contract to make funds payment.

[0110] According to another embodiment of the present invention, the smart contract service agreement includes a fund payment method, and the fund payment module (not shown in the figure) can also be used to: call the smart contract to make fund payment according to the fund payment method.

[0111] According to another embodiment of the present invention, the fund payment module (not shown in the figure) can also be used to: in response to receiving a payment request from the fund recipient or the fund transferor, obtain the payment amount and the transaction party wallet identifier from the payment request; call the smart contract, reduce the digital currency corresponding to the payment amount in the contract wallet, and increase the digital currency corresponding to the payment amount in the transaction party wallet corresponding to the transaction party wallet identifier.

[0112] According to another embodiment of the present invention, the digital currency funds transfer device 800 based on a smart contract may further include a funds recovery module (not shown in the figure), which is used to: in response to receiving a funds recovery request from the funds transferor, obtain a recovery amount from the funds recovery request; call the smart contract to reduce the digital currency corresponding to the recovery amount in the contract wallet, and increase the digital currency corresponding to the recovery amount in the payment wallet of the funds transferor.

[0113] According to another embodiment of the present invention, the digital currency funds transfer device 800 based on smart contracts may also include a contract change module (not shown in the figure), which is used to: in response to receiving a contract change request sent by the funds transfer party, obtain a smart contract identifier and parameter change information from the contract change request; obtain a smart contract according to the smart contract identifier, and change the parameters of the obtained smart contract according to the parameter change information.

[0114] According to another embodiment of the present invention, the digital currency funds transfer device 800 based on smart contracts may also include a funds transfer status change module (not shown in the figure), which is used to: before obtaining the contract wallet identifier according to the receiving wallet identifier and the smart contract identifier, it also includes: determining that the funds transfer status is normal; in response to receiving a funds transfer suspension request sent by the funds transferor after the funds transfer status is abnormal, calling the smart contract to change the funds transfer status to an abnormal state; in response to receiving a funds transfer resumption request sent by the funds transferor after the funds transfer status returns to normal, calling the smart contract to change the funds transfer status to the funds transfer status before the funds transfer is suspended.

[0115] According to another embodiment of the present invention, the digital currency funds transfer device 800 based on the smart contract may further include a contract status change module (not shown in the figure), which is used to: in response to detecting that the smart contract has a security risk, call the smart contract to change the contract status to a frozen state; in response to detecting that the security risk of the smart contract has been resolved, call the smart contract to change the contract status to a normal state.

[0116] According to another embodiment of the present invention, the digital currency funds transfer device 800 based on the smart contract may also include a contract cancellation module (not shown in the figure), which is used to: in response to receiving a contract cancellation request sent by the funds transfer party after the end of the funds transfer contract, call the smart contract to change the contract state of the smart contract to a cancelled state; and cancel the contract wallet according to the smart contract cancellation result.

[0117] According to the technical solution of the embodiment of the present invention, by responding to a fund transfer request sent by the fund transferor, the fund transfer amount, the smart contract identifier and the receiving wallet identifier of the fund recipient's receiving mother wallet are obtained according to the fund transfer request; the contract wallet identifier is obtained according to the receiving wallet identifier and the smart contract identifier, wherein the contract wallet is a digital currency wallet associated with the receiving wallet identifier generated when the smart contract is deployed; the technical solution of calling the smart contract to add the digital currency corresponding to the fund transfer amount in the contract wallet, by opening the fund recipient's mother wallet and the contract wallet in the operating institution to realize the digital currency fund transfer, realize the targeted payment of loan funds and the penetration management of loan funds, the scope of use of loan funds is controlled by the smart contract, and the loan funds are guaranteed to be executed in accordance with the agreement of the loan contract, thereby realizing the targeted payment of loan funds; realizing the automatic execution of contracts and reducing human intervention, the smart contract can automatically execute the contract terms and payment rules according to the preset conditions, improve the efficiency and accuracy of fund transfer, and reduce the occurrence of human errors and disputes; improve the transparency and reliability of transactions, the execution process of the smart contract can be publicly recorded and traced, so that the participants of the fund transfer can monitor and verify the occurrence and status of the transaction in real time, ensure the reliability and transparency of the transaction, and help prevent fraud and reduce the cost of trust.

[0118] Fig. 9 An exemplary system architecture 900 is shown to which a digital currency funds transfer method based on a smart contract or a digital currency funds transfer device based on a smart contract according to an embodiment of the present invention can be applied.

[0119] like Fig. 9As shown, system architecture 900 may include terminal devices 901, 902, 903, network 904 and server 905. Network 904 is used to provide a medium for communication links between terminal devices 901, 902, 903 and server 905. Network 904 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0120] Users can use terminal devices 901, 902, 903 to interact with server 905 through network 904 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 901, 902, 903, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

[0121] The terminal devices 901 , 902 , and 903 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers, etc.

[0122] Server 905 may be a server that provides various services, such as a backend management server that provides support for websites browsed by users using terminal devices 901, 902, and 903 (for example only). The backend management server may respond to the received fund transfer request and other data, and obtain the fund transfer amount, the smart contract identifier, and the receiving wallet identifier of the receiving parent wallet of the fund recipient according to the fund transfer request; obtain the contract wallet identifier according to the receiving wallet identifier and the smart contract identifier, wherein the contract wallet is a digital currency wallet associated with the receiving wallet identifier generated when the smart contract is deployed; call the smart contract to add the digital currency corresponding to the fund transfer amount in the contract wallet, and feed back the processing result (for example, the digital currency transfer result - for example only) to the terminal device.

[0123] It should be noted that the digital currency funds transfer method based on smart contracts provided in the embodiments of the present invention is generally executed by the server 905, and accordingly, the digital currency funds transfer device based on smart contracts is generally set in the server 905.

[0124] It should be understood that Fig. 9 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0125] Reference below Fig.10 , which shows a schematic diagram of the structure of a computer system 1000 of a terminal device or a server suitable for implementing an embodiment of the present invention. Fig.10The terminal device or server shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0126] like Fig.10 As shown, the computer system 1000 includes a central processing unit (CPU) 1001, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage part 1008 into a random access memory (RAM) 1003. In the RAM 1003, various programs and data required for the operation of the system 1000 are also stored. The CPU 1001, the ROM 1002, and the RAM 1003 are connected to each other via a bus 1004. An input / output (I / O) interface 1005 is also connected to the bus 1004.

[0127] The following components are connected to the I / O interface 1005: an input section 1006 including a keyboard, a mouse, etc.; an output section 1007 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1008 including a hard disk, etc.; and a communication section 1009 including a network interface card such as a LAN card, a modem, etc. The communication section 1009 performs communication processing via a network such as the Internet. A drive 1010 is also connected to the I / O interface 1005 as needed. A removable medium 1011, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1010 as needed, so that a computer program read therefrom is installed into the storage section 1008 as needed.

[0128] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1009, and / or installed from the removable medium 1011. When the computer program is executed by the central processing unit (CPU) 1001, the above-mentioned functions defined in the system of the present invention are executed.

[0129] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0130] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0131] The units or modules involved in the embodiments of the present invention may be implemented in software or hardware. The units or modules described may also be provided in a processor. For example, they may be described as follows: a processor includes a request parameter acquisition module, a contract wallet acquisition module, and a fund transfer processing module. The names of these units or modules do not, in some cases, constitute limitations on the units or modules themselves. For example, a fund transfer processing module may also be described as "a module for calling the smart contract to add a digital currency corresponding to the fund transfer amount in the contract wallet".

[0132] As another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiment; or it may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes: in response to receiving a fund transfer request from the fund transferor, obtaining the fund transfer amount, the smart contract identifier and the receiving wallet identifier of the fund recipient's receiving mother wallet according to the fund transfer request; obtaining the contract wallet identifier according to the receiving wallet identifier and the smart contract identifier, wherein the contract wallet is a digital currency wallet associated with the receiving wallet identifier generated when the smart contract is deployed; calling the smart contract to add the digital currency corresponding to the fund transfer amount in the contract wallet.

[0133] According to the technical solution of the embodiment of the present invention, by responding to a fund transfer request received from the fund transferor, the fund transfer amount, the smart contract identifier and the receiving wallet identifier of the fund recipient's receiving mother wallet are obtained according to the fund transfer request; the contract wallet identifier is obtained according to the receiving wallet identifier and the smart contract identifier, wherein the contract wallet is a digital currency wallet associated with the receiving wallet identifier generated when the smart contract is deployed; the technical solution of calling the smart contract to increase the digital currency corresponding to the fund transfer amount in the contract wallet is realized, and the digital currency fund transfer is realized by opening the fund recipient's mother wallet and the contract wallet in the operating institution, thereby realizing the targeted payment of loan funds and the penetration management of loan funds. , the scope of use of loan funds is controlled by smart contracts, and the loan funds are independent of the company's own funds in the parent wallet, ensuring that the loan funds are executed in accordance with the terms of the loan contract, thereby realizing targeted payment of loan funds; it realizes automated contract execution and reduces human intervention. Smart contracts can automatically execute contract terms and payment rules according to preset conditions, improve the efficiency and accuracy of fund transfers, and reduce the occurrence of human errors and disputes; it improves transaction transparency and reliability. The execution process of smart contracts can be publicly recorded and traced so that the parties involved in the fund transfer can monitor and verify the occurrence and status of the transaction in real time, ensure the reliability and transparency of the transaction, and help prevent fraud and reduce trust costs.

[0134] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A digital currency funds transfer method based on smart contracts, characterized in that: include: In response to receiving a fund transfer request from the fund transferor, obtaining the fund transfer amount, the smart contract identifier, and the receiving wallet identifier of the fund recipient's receiving parent wallet according to the fund transfer request; Obtaining a contract wallet identifier according to the payment wallet identifier and the smart contract identifier, wherein the contract wallet is a digital currency wallet associated with the payment wallet identifier generated when the smart contract is deployed; Calling the smart contract increases the digital currency corresponding to the fund transfer amount in the contract wallet.

2. The method according to claim 1, characterized in that The method further comprises: While calling the smart contract, the digital currency corresponding to the fund transfer amount is increased in the contract wallet, and the digital currency corresponding to the fund transfer amount is reduced in the payment wallet of the fund transferor.

3. The method according to claim 1, characterized in that The method further comprises: In response to detecting that a trigger condition for transferring funds is met, the smart contract is called to transfer funds.

4. The method according to claim 3, characterized in that The detection of satisfying the triggering condition for fund transfer includes: When it is detected that the contract wallet is transferred with digital currency through the receiving mother wallet, a fund transfer verification instruction is generated and the smart contract is called to perform fund transfer verification; If the funds transfer verification is passed, determining that the funds transfer trigger condition is met; Alternatively, when the fund transfer verification is passed and the fund transfer deadline is reached, it is determined that the fund transfer trigger condition is met.

5. The method according to claim 4, characterized in that The method further comprises: Obtaining the transfer amount in the fund transfer verification instruction; The calling of the smart contract to transfer funds includes: calling the smart contract to reduce the digital currency corresponding to the transfer amount in the contract wallet, and increasing the digital currency corresponding to the transfer amount in the payment wallet of the fund transferor.

6. The method according to claim 1, characterized in that The method further comprises: In response to receiving a transfer confirmation request sent by the fund transferor after receiving the transferred funds, calling the smart contract to update the fund transfer record.

7. The method according to claim 3, characterized in that The method further comprises: In response to receiving a fund transfer return request sent by the fund recipient, obtaining a return amount and a receiving wallet identifier from the fund transfer return request; The smart contract is called to return the digital currency corresponding to the returned amount in the contract wallet to the receiving mother wallet.

8. The method according to claim 1, characterized in that Before the smart contract deployment, it also includes: In response to receiving a contract product generation request, a smart contract product is generated according to a smart contract template and a pre-signed smart contract service agreement.

9. The method according to claim 8, characterized in that The smart contract deployment includes: Deploy the smart contract according to the contract parameters and the smart contract product.

10. The method according to claim 1 or 8, characterized in that: After calling the smart contract to add the digital currency corresponding to the fund transfer amount in the contract wallet, the method further includes: Call the smart contract to make fund payment.

11. The method according to claim 10, characterized in that The smart contract service agreement includes the payment method of funds, The calling of the smart contract to make fund payment includes: According to the fund payment method, the smart contract is called to make fund payment.

12. The method according to claim 10, characterized in that The calling of the smart contract to make fund payment includes: In response to receiving a payment request from the fund recipient or the fund transferor, obtaining a payment amount and a transaction party wallet identifier from the payment request; The smart contract is called, the digital currency corresponding to the payment amount is reduced in the contract wallet, and the digital currency corresponding to the payment amount is increased in the transaction party wallet corresponding to the transaction party wallet identifier.

13. The method according to claim 1, characterized in that Also includes: In response to receiving a fund recovery request sent by the fund transferor, obtaining a recovery amount from the fund recovery request; Calling the smart contract reduces the digital currency corresponding to the recovered amount in the contract wallet, and increases the digital currency corresponding to the recovered amount in the payment wallet of the fund transferor.

14. The method according to claim 1, characterized in that The method further comprises: In response to receiving a contract change request from the fund transferor, obtaining a smart contract identifier and parameter change information from the contract change request; The smart contract is obtained according to the smart contract identifier, and parameters of the obtained smart contract are changed according to the parameter change information.

15. The method according to claim 1, characterized in that Before obtaining the contract wallet identifier according to the payment wallet identifier and the smart contract identifier, the method further includes: Confirm that the fund transfer status is normal; Furthermore, the method further comprises: In response to receiving a request to suspend the funds transfer sent by the funds transferor after the funds transfer state is abnormal, calling the smart contract to change the funds transfer state to an abnormal state; In response to receiving a funds transfer resumption request sent by the funds transferor after the funds transfer status returns to normal, calling the smart contract to change the funds transfer status to the funds transfer status before the funds transfer was suspended.

16. The method according to claim 1, characterized in that The method further comprises: In response to detecting that the smart contract has a security risk, calling the smart contract to change the contract state to a frozen state; In response to detecting that the security risk of the smart contract has been resolved, the smart contract is called to change the contract state to a normal state.

17. The method according to claim 1, characterized in that The method further comprises: In response to receiving a contract cancellation request sent by the fund transferor after the fund transfer contract ends, calling the smart contract to change the contract state of the smart contract to a cancelled state; Cancel the contract wallet according to the smart contract cancellation result.

18. A digital currency fund transfer device based on smart contracts, characterized in that: include: A request parameter acquisition module, configured to respond to a fund transfer request received from a fund transferor and acquire a fund transfer amount, a smart contract identifier, and a receiving wallet identifier of a receiving parent wallet of a fund recipient according to the fund transfer request; A contract wallet acquisition module, used to obtain a contract wallet identifier according to the payment wallet identifier and the smart contract identifier, wherein the contract wallet is a digital currency wallet associated with the payment wallet identifier generated when the smart contract is deployed; The fund transfer processing module is used to call the smart contract to add digital currency corresponding to the fund transfer amount in the contract wallet.

19. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 17.

20. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 17 is implemented.

Images