System for commercial transaction payment

Abstract

The invention relates to a system for organizing and monitoring commercial transaction payments. A system for commercial transaction payment comprises: a unit for interacting with a user of the system; a unit for issuing and / or registering an electronic document (ED) that demonstrates the financial obligation recorded therein specifying, in the ED, a payment in the ED for an amount marked with a given currency within the ED to an owner of the ED; a unit for creating, signing, encrypting and storing an intelligent contract; and a unit for generating a closed chain of smart contracts for selling and purchasing the EDs, the closed chain of smart contracts for selling and purchasing the EDs comprising at least one smart contract for purchasing the EDs and one smart contract for selling the EDs in a currency different from the payment currency of other smart contracts in the chain, and the unit is connected with a unit for creating, signing, encrypting and storing the intelligent contract. The technical effect is that the efficiency, safety and monitoring of commercial transaction payment are improved.

Description

Technical Field

[0001] The present technical solution relates to blockchain technology and information processing, and specifically to a system for organizing and controlling payments for trade operations, i.e., a system for implementing cross-border payments. Prior art

[0002] The prior art includes systems for organizing payments for imported goods.

[0003] A known blockchain-based supply chain financial service system includes: an information management platform for the supply chain, which is used to manage customer information, orders, receipt and delivery of goods, down payments, and contracts; a consortium chain software module, which is used to ensure data access, data security, and data privacy in the supply chain; a blockchain data proof storage module, which is used to store security evidence and provide business data; and a credit extension management platform, which is used to manage the complete financing life cycle and financing quota of suppliers and factoring companies. Patent application number CN111626733 published on September 4, 2020.

[0004] Another known system is a blockchain-based credit certificate verification data processing system, which includes: a data request receiving module for verifying a user's credit; a verification module for checking the data request according to a pre-deployed credit smart contract to generate credit verification transaction data; and a credit status management module based on the verification transaction data. The system also includes a blockchain contract deployment module for performing structured data processing based on transaction description information and preset credit status information for deploying a credit smart contract. Patent application number CN113159932 published on July 23, 2021.

[0005] The main disadvantages of the known systems are their inconvenience, inefficiency in conducting trade operations, high labour intensity, high time cost for collecting, processing and providing information, low reliability of system operation and limitations of their functional capabilities. Summary of the invention

[0006] The aim of the claimed solution is to create a technology and an efficient system for payments in commercial transactions, allowing payments for goods or services to be made between users.

[0007] The technical effect of the technical solution claimed is to simplify the implementation of trade operation payments.

[0008] This simplifies the implementation of payments for trade operations by reducing the steps required to conduct trade operations and significantly shortening the time required to conduct trade transactions.

[0009] The technical effects of the technical solution for which protection is sought also include improving the security of cross-border payment transactions and valuable documents, and strengthening control over trade operations.

[0010] The technical effects of the technical solution claimed for protection also include improving the efficiency of conducting trade operations.

[0011] These technical effects are achieved by configuring a system for commercial transaction payment, the system comprising: at least one user interaction block for registering and storing user identification data, identifying users, and receiving and processing user requests; for publishing and / or registering electronic documents (electronic A block for confirming the following certain financial obligations: a user who issues the ED or a user specified in the ED pays the owner of the ED an amount specified by the ED or its equivalent in the currency specified by the ED according to the conditions specified by the ED, wherein the issuing block is capable of encrypting and storing information about the ED; a block for creating, signing, encrypting and storing smart contracts, wherein the smart contracts include a smart contract for issuing the ED, a smart contract for purchasing the ED, a smart contract for selling the ED, and a smart contract for purchasing and selling the ED, wherein each smart contract has an identification number for accounting and identifying the smart contract by the system, and wherein the encrypted data of the smart contract is distributed and stored among a plurality of electronic storage facilities combined into a single network; a block for forming a closed chain of smart contracts for purchasing and selling the ED among at least three users according to the corresponding smart contracts for purchasing the ED and the smart contracts for selling the ED, wherein the closed chain of smart contracts for purchasing and selling the ED includes at least one smart contract for purchasing the ED and one smart contract for selling the ED in a currency different from the payment currency of other smart contracts, wherein the above-mentioned block is connected to the block for creating, signing, encrypting and storing smart contracts.

[0012] The system claimed for protection includes a block for issuing and / or registering electronic documents (EDs) that require and confirm certain financial obligations: the user issuing the ED or the user specified in the ED, according to the conditions specified in the ED, pays the owner of the ED an amount in the currency specified in the ED or its equivalent indicated in the ED, wherein the issuing block is capable of encrypting and storing information about the ED.

[0013] The main advantage of electronic documents (ED) corresponding to the above description over obligations under promissory notes or contracts is the increased functionality, acceleration and simplification of financial transactions between users of the system. In a contractual relationship, under general conditions, the payer and the payee of funds are clearly defined. For example, if the supplier wants the buyer to settle with another partner (the supplier's creditor), it must first agree with the buyer on this interaction and make a debt transfer agreement. According to the scheme of claiming rights, the simultaneous use of smart contracts and EDs significantly simplifies such actions: if the buyer issues (sells) their ED to the supplier as a payment guarantee, the supplier can transfer (sell) this valuable document to anyone at any time, including repaying the debt through the ED, so that the rights claimed under the ED will be received by the new owner. There can be an unlimited number of transactions for transferring electronic documents within the closed chain of smart contracts, so that many counterparty users can repay debts to each other without the actual payment of cash.

[0014] When the user who initially submitted the application for ED publication or ED registration settles with the last owner of its closed chain, the system makes it possible to achieve no cash payment or only one cash payment. The use of ED can simplify cross-border payments for goods or services, transfer funds abroad, and purchase / sale of foreign currencies. In addition, this scheme of paying trade transactions through ED ensures the security of transactions because it can fully control the movement of ED, record the data of all owners, and cannot forge ED. In addition, in the case where the user who initially submitted the application for publishing electronic documents or for registering electronic documents pays the last owner of the electronic document in cash (thereby closing the chain of ED owners), the application of this scheme allows the need for bank compliance control to be eliminated with a high probability, significantly increasing the convenience and speed of trade transactions (including cross-border transactions).

[0015] The declared system also includes a block for creating, signing, encrypting and storing smart contracts, including a smart contract for issuing ED, a smart contract for purchasing ED, a smart contract for selling ED, and a smart contract for buying and selling ED, wherein each smart contract has an identification number for accounting and identifying the smart contract by the system, and wherein the encrypted data of the smart contract is distributed and stored among multiple electronic storage facilities combined into a single network.

[0016] The existence of these types of smart contracts is the minimum and sufficient condition for carrying out transactions for the transfer of electronic documents under specific, individual conditions for each user, as stipulated by the users themselves in their smart contracts.

[0017] First, between the system user and the legal entity that owns and / or manages the system, a smart contract for issuing ED, a smart contract for purchasing ED, and a smart contract for selling ED are signed on their own or a trusted platform. Then, each smart contract controls the terms of the contract and automatically performs its obligations if the conditions are met. The execution result of the smart contract for purchasing ED and the smart contract for selling ED is a closed chain of smart contracts for buying and selling ED.

[0018] Another important difference of the system claimed for protection is that there is a block for forming a closed chain of smart contracts according to corresponding (logically connected according to consistent conditions) smart contracts for purchasing ED and smart contracts for selling ED between at least three users, including: at least one smart contract for purchasing ED and one smart contract for selling ED in a currency different from the payment currency of other smart contracts in the chain, which block is associated with a block for creating, signing, encrypting and storing smart contracts.

[0019] The blockchain makes it possible to automatically perform cross-border trade operations without actually transferring funds outwards according to all the conditions specified in the smart contracts collected in the closed chain, since the formation of the closed chain is based on the search for a match of the conditions and requirements specified in the smart contracts of users interested in performing trade operations.

[0020] The blocks forming a closed chain of smart contracts also reduce the time for implementing trade operations and ensure the automatic selection of users who can become participants in trade relations under conditions acceptable to everyone. According to the presented scheme, the obligation to transfer funds arises only after the formation of a complete closed chain of smart contracts for the purchase and sale of ED between the participants of the chain. The advantage of this solution is also that the risk of not fulfilling one of the conditions stipulated in the smart contract of the user and maintaining the financial balance is significantly reduced or eliminated.

[0021] The User Interaction Module serves as a link between the system and each specific registered user. The User Interaction Module allows user registration in the system, storage of ED and user identification data, user identification, receipt and processing of user requests, searching for buyers and sellers of ED, and conducting different transactions and other legal actions with ED on behalf of the user, including but not limited to ED sales, its transfer, acceptance, discounting, segmentation, liability insurance of ED, and organizing and notifying regular and potential users of the system.

[0022] In a preferred embodiment, the system for commercial transaction payment also includes: a module for allocating and monitoring the status of EDs obtained and / or issued by system users and / or system users, and / or a module for allocating and monitoring the status of smart contracts. The presence of these modules also enhances the security of transactions by providing additional information about the reliability of users and their EDs and the confirmation of smart contracts.

[0023] The module for creating, signing, encrypting and storing smart contracts can also be designed to allow the creation, signing, encryption and storage of smart contracts for purchasing goods or services by users and for selling goods or services by users when the participating users do not have an active contract for the supply / acquisition of goods or services, as well as for creating, signing, encrypting and storing smart contracts for splitting EDs, smart contracts for combining EDs, or smart contracts for exchanging EDs acquired and / or issued by users of the system.

[0024] The described system blocks may be implemented as a single block possessing the described characteristics and capable of performing the listed functions, or as interconnected modules within the system.

[0025] Preferably, the system for commercial transaction payment takes the form of a digital platform to automate trade operations, ensure increased control and security of their implementation, provide remote access to all system users and user interaction blocks, and enable the use of a unified algorithm to form a smart contract chain. Such an embodiment significantly simplifies requests from system users, trade relationships between system users, and the interaction of the system with its users. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] The claimed technical solution is further illustrated in the figure, which conditionally represents one of the possible embodiments of a system for payment of commercial transactions.

[0027] Figure 1 A functional diagram reflecting the structure of a preferred embodiment of a system for payment of commercial transactions is shown, wherein the following elements are numbered:

[0028] - a block for interacting with the user (1);

[0029] - a block for publishing and / or registering an electronic document (ED) (2);

[0030] - Blockchain for creating, signing, encrypting and storing smart contracts (3);

[0031] - Blocks (4) for forming a closed chain of smart contracts for buying and selling ED;

[0032] - a block for allocating and accounting the status of system users and / or EDs (5);

[0033] -Blocks (6) used to distribute and record the state of smart contracts. DETAILED DESCRIPTION

[0034] The structure of a system for commercial transaction payment is described below with reference to the accompanying drawings.

[0035] A system for payment of commercial transactions includes at least one user interaction module (1) within the system.

[0036] Preferably, the user interaction block (1) acts as a service center for users to perform trade operations, including a user module for users to access the declared system and be informed of their relevant trade operations. To implement this block, a computer with input and output information modules connected to the system is sufficient. A preferred embodiment of the user interaction block (1) includes and / or interacts with a database, a participant registration module, a data storage module, an account management module, a payment document generation module, an outgoing registration form formation module, an incoming registration form processing module, etc.

[0037] Potential users of the system may include different companies, commercial banks, stock exchanges and other organizations and individuals interested in relevant trade operations and willing to transfer or obtain goods, services or monetary funds specifically through EDs. In certain cases, additional modules (legal entities or natural persons) of the system itself associated with the interactive module (1) can act as users of the system. Like other users of the system, legal entities that own and / or manage the system can publish their EDs and buy and sell EDs. Users can be companies that manage the platform, their operators, and they can act in their own name and on behalf of other platform users for purposes such as but not limited to searching for sellers or buyers of EDs. A preferred embodiment of the system also includes an administrator module that can be accessed by users of the platform to configure the platform and user settings.

[0038] The system for commercial transaction payment includes a block (2) for issuing and / or registering EDs, which requires and confirms certain financial obligations as follows: the user who issues the ED or the user specified in the ED pays the owner of the ED the amount indicated in the ED or its equivalent indicated in the ED in the currency specified in the ED according to the conditions specified in the ED. The ED issuance / registration block (2) is capable of encrypting and storing information about the issued or registered ED. Any type of bill of exchange, including cryptographic notes, tokens, non-fungible tokens (NFTs) or any other document that meets the specified functions, including those documents that entail payment in encrypted electronic currency, such as but not limited to altcoins, especially stablecoins, can be used as EDs.

[0039] The system claimed also includes a block (3) for creating, signing, encrypting and storing smart contracts, the block (3) including: a module for creating, signing, encrypting and storing a smart contract for issuing ED; a module for creating, signing, encrypting and storing a smart contract for purchasing ED; a module for creating, signing, encrypting and storing a smart contract for selling ED; and a module for creating, signing, encrypting and storing a smart contract for buying and selling ED. Each smart contract has an identification number for accounting and identification by the system.

[0040] According to the technical solution claimed for protection, a system for commercial transaction payment includes: a block (4) - linked to a block (3) for creating, signing, encrypting and storing smart contracts - used to form a closed chain of smart contracts for purchasing and selling ED, the closed chain consisting of related smart contracts for purchasing ED and smart contracts for selling ED between at least three users, and including at least one smart contract for purchasing ED and one smart contract for selling ED in a currency different from the payment currency of other smart contracts.

[0041] Preferably, the system for commercial transaction payment includes: a block (5) for allocating and accounting for EDs obtained and / or issued by system users and / or the status of system users. The status can reflect various information about a specific ED or a specific user. Preferably, in any of the embodiments described herein, the block (3) for creating, signing, encrypting and storing smart contracts includes: a module for creating, signing, encrypting and storing smart contracts for purchasing goods or services by system users, and a module for creating, signing, encrypting and storing smart contracts for selling goods or services by system users.

[0042] In any of the described embodiments, a system for commercial transaction payment may include a block for allocating and accounting for the state of a smart contract (6). The state of a smart contract may include information about its confirmation or lack of confirmation.

[0043] The block (3) for creating, signing, encrypting and storing smart contracts may further include: a module for creating, signing, encrypting and storing smart contracts for splitting ED or smart contracts for combining ED or smart contracts for exchanging ED acquired and / or issued by system users.

[0044] An example of how payment for a trade transaction may be implemented is given below.

[0045] During operation, the system registers new client-users of the system, receives various requests from its client-users for publishing and / or registering electronic documents, for acquiring and / or selling electronic documents, and for purchasing and / or selling goods and / or services.

[0046] Example 1.

[0047] In block (1) for interacting with users, three new users of the system are registered.

[0048] In the block (5) for allocating and recording the status of the electronic document obtained and / or published by the system user and / or the system user, the status is allocated to the system user.

[0049] In the block (3) for creating, signing, encrypting and storing smart contracts, a smart contract for issuing ED, a smart contract for selling ED and a smart contract for purchasing ED are registered between the platform of the management system and the first user of the system; the second system user registers the smart contract for selling ED and the smart contract for purchasing ED; the third system user registers the smart contract for selling ED and the smart contract for purchasing ED.

[0050] Assume that at least one user wants to sell ED and one user wants to buy ED in a currency different from the payment currency of other smart contracts.

[0051] In this case, the block (2) for issuing and / or registering ED issues and / or registers ED issued by the first user.

[0052] In block (4) in which the chain of the smart contract for purchasing ED and the smart contract for selling ED is formed into a closed chain of smart contracts for purchasing and selling ED, the logic of the closed chain is formed in the registered smart contract for purchasing ED and the registered smart contract for selling ED using matching conditions.

[0053] In this case, the block (3) for creating, signing, encrypting and storing smart contracts performs the formation and registration of smart ED purchase and sale contracts between the first ED seller (who is also the first user of the system and the ED publisher) and the first ED buyer (the second user of the system), performs the formation and registration of smart contracts for ED purchase and sale between the first ED buyer (the second user of the system) and the second ED buyer (the third user of the system), and performs the formation and registration of smart contracts for ED purchase and sale between the second ED buyer (the third user of the system) and the first ED seller (the first user / ED publisher of the system). It is assumed that at least one system user sells ED, and one system user purchases ED in a currency different from the payment currency of other smart contracts.

[0054] In this case, the block (6) for allocating and recording the status of smart contracts allocates the status of "executed" to the three smart contracts for ED sales and the three smart contracts for ED purchases.

[0055] At the same time, the block (1) for interacting with users notifies: system users involved in the chain about the execution of all smart contracts for ED sales, the execution of all smart contracts for ED purchases, the formation and registration of smart contracts for ED purchases and sales between the first ED seller (also the first user of the system and the ED publisher) and the first ED buyer (the second user of the system), the formation and registration of smart contracts for ED purchases and sales between the first ED buyer (the second user of the system) and the second ED buyer (the third user of the system), and the formation and registration of smart contracts for ED purchases and sales between the second ED buyer (the third user of the system) and the first ED seller (the first user of the system / ED publisher).

[0056] Example 2.

[0057] A method of implementing a trade transaction between more than three users from two or more countries.

[0058] In the block (3) for creating, signing, encrypting and storing smart contracts, a smart contract for issuing electronic documents, a smart contract for ED sales and a smart contract for ED purchase are registered between the platform of the management system and the first user of the system (the first user involved in the chain); a smart contract for ED sales and a smart contract for ED purchase are registered between the platform of the management system and the second user of the system (the second user involved in the chain); a smart contract for ED sales and a smart contract for ED purchase are registered between the platform of the management system and the third user of the system (the third user involved in the chain); a smart contract for ED sales and a smart contract for ED purchase are registered between the platform of the management system and the N1 user of the system (the N1 user involved in the chain); a smart contract for ED sales and a smart contract for ED purchase are registered between the platform of the management system and the N user of the system (the N user involved in the chain).

[0059] Assume that at least one user wants to sell ED and one user wants to buy ED in a currency different from the payment currency of other smart contracts.

[0060] In this case, the block (2) for issuing ED and / or registering ED issues and / or registers ED issued by one user (the first user involved in the chain).

[0061] In block (4) in which the chain of the smart contract for purchasing ED and the smart contract for selling ED is formed into a closed chain of smart contracts for purchasing and selling ED, the logic of the closed chain is formed in the registered smart contract for ED purchase and the registered smart contract for ED sale using matching conditions.

[0062] In this case, the block (3) for creating, signing, encrypting and storing smart contracts performs the formation and registration of smart contracts for ED purchase and sale between the first ED seller (involving the first user of the chain and the ED publisher) and the first ED buyer (involving the second user of the chain), performs the formation and registration of smart contracts for ED purchase and sale between the first ED buyer (involving the second user of the chain) and the second ED buyer (involving the third user of the chain), performs the formation and registration of smart contracts for ED purchase and sale between the N2 ED buyer (involving the N1 user of the chain) and the N1 ED buyer (involving the N user of the chain), and performs the formation and registration of smart contracts for ED purchase and sale between the N1 ED buyer (involving the N user of the chain) and the first ED seller (involving the first user of the chain and the ED publisher).

[0063] In this case, the block (6) for assigning and accounting the status of smart contracts assigns the status of "executed" to all smart contracts for ED sales and all smart contracts for ED purchases, each smart contract serving as a link in the formed closed chain of smart contracts for ED purchases and sales.

[0064] In this case, the block (1) for interacting with users notifies: the system users involved in the chain about the execution of all smart contracts for ED sales included in the chain, the execution of all smart contracts for purchasing ED included in the chain, the formation and registration of a smart contract for ED purchase and sale between the first ED seller (involving the first user of this chain and the ED publisher) and the first ED buyer (involving the second user of this chain), the formation and registration of a smart contract for ED purchase and sale between the first ED buyer (involving the second user of the chain) and the second ED buyer (the third user who designed the chain), the formation and registration of a smart contract for ED purchase and sale between the N2 buyer (involving the N1 user of the chain) and the N1 ED buyer (involving the N user of the chain), and the formation and registration of a smart contract for ED purchase and sale between the N1 buyer (involving the N user of the chain) and the first ED seller (involving the first user of the chain and the ED publisher).

[0065] Industrial Applicability

[0066] The claimed system for implementing trade transactions can be used between an unlimited number of users and interactive blocks (1) from an unlimited number of countries to conduct various trade transactions (including deferred payment transactions) and to implement import and export contracts and crowdfunding projects. The system allows residents of different countries to conduct trade operations without the need for compliance controls at the fund transfer and currency exchange stages, and also allows currency exchange without transferring funds through the banking system.

[0067] The proposed drawings, description of the system structure and examples of its use do not exhaust possible implementations, nor do they limit the scope of the proposed technical solution in any way. Other embodiments are possible within the scope of the claims.

Claims

1. A system for commercial transaction payment, comprising: at least one user interaction block for registering and storing user identification data, identifying users, and receiving and processing user requests; A block for issuing and / or registering an electronic document ED, for confirming certain financial obligations as follows: a user issuing the ED or a user specified in the ED pays the owner of the ED an amount specified in the ED or its equivalent in a currency specified in the ED according to conditions specified in the ED, wherein the issuing block is capable of encrypting and storing information about the ED; A block for creating, signing, encrypting and storing smart contracts, the smart contracts including a smart contract for issuing ED, a smart contract for purchasing ED, a smart contract for selling ED, and a smart contract for purchasing and selling ED, wherein each smart contract has an identification number for accounting and identifying the smart contract by the system, and wherein the encrypted data of the smart contracts is distributed and stored among a plurality of electronic storage facilities combined into a single network; A block for forming a closed chain of smart contracts for buying and selling ED between at least three users according to corresponding smart contracts for buying ED and smart contracts for selling ED, wherein the closed chain of smart contracts for buying and selling ED includes at least one smart contract for buying ED and one smart contract for selling ED in a currency different from the payment currency of other smart contracts, wherein the above-mentioned block is connected to a block for creating, signing, encrypting and storing smart contracts.

2. The system for commercial transaction payment according to claim 1, characterized in that: The system includes: a block for distributing and recording electronic documents obtained and / or published by a user and / or a status of the user.

3. The system for commercial transaction payment according to claim 1, characterized in that: The block for creating, signing, encrypting and storing smart contracts is designed to create, sign, encrypt and store smart contracts for purchasing goods or services by users of the system and smart contracts for selling goods or services by users of the system.

4. The system for commercial transaction payment according to claim 1 or 3, characterized in that: The system includes: a block for distributing and accounting for the state of smart contracts.

5. The system for commercial transaction payment according to claim 1, characterized in that: The block for creating, signing, encrypting and storing smart contracts is designed to create, sign, encrypt and store smart contracts for splitting ED and / or smart contracts for combining ED and / or smart contracts for exchanging ED purchased and / or issued by users of the system.

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