Multi-scene transaction payment processing method and system based on digital certificate

Abstract

The invention is suitable for the technical field of multi-scene transaction payment, and particularly relates to a multi-scene transaction payment processing method and system based on digital certificates, and the method comprises the steps: receiving a creditor's right and debt relationship uploaded by a registrant, creating the digital certificates corresponding to the creditor's right and debt relationship one by one, and writing the digital certificates into a pre-constructed management platform, inserting a label generated by attribute data into the digital certificate, wherein the attribute data at least comprises a denomination, an effective range and an application scene; a service scene is configured, the service scene is composed of asset auction and commodity retail, and a payment routing engine is embedded into the management platform. Through distributed storage and Hash verification, the security and reliability of the digital certificate circulation and payment process in multiple transaction scenes are greatly enhanced, so that asset auction and commodity retail scenes are supported, subsequent expansion to other transaction scenes is facilitated, and the payment efficiency and the use scene of the digital certificate are further improved.

Description

Technical Field

[0001] This invention relates to the field of multi-scenario transaction payment technology, and in particular to a multi-scenario transaction payment processing method and system based on digital vouchers. Background Technology

[0002] Digital certificates refer to electronic rights carriers formed by digitally mapping asset rights. Existing digital certificates are generally designed for single business scenarios, and their application scope is relatively limited. They are difficult to support different transaction scenarios such as asset auctions and commodity retail at the same time. Moreover, there is usually a lack of a unified digital certificate management system and payment routing mechanism among various transaction systems. This results in inconsistent usage rules, verification methods and settlement processes for digital certificates in different scenarios, making it impossible to achieve cross-scenario collaborative processing.

[0003] In other words, in asset auctions and commodity retail scenarios, there is a general inability to support digital certificate payment methods based on creditor-debtor relationships. This makes it difficult for digital certificates to directly participate in payment settlement in different transaction stages, and thus it is impossible to achieve flexible combination payments between deposits, transaction amounts, and commodity prices. This restricts the circulation efficiency and application scope of digital certificates in multiple transaction scenarios.

[0004] Therefore, "how to achieve efficient payment of digital vouchers in multiple transaction scenarios" is the technical problem that this invention aims to solve. Summary of the Invention

[0005] The purpose of this invention is to provide a multi-scenario transaction payment processing method and system based on digital vouchers, so as to solve the problem of "how to achieve efficient payment of digital vouchers in multiple transaction scenarios" mentioned in the background art.

[0006] To achieve the above objectives, the present invention provides the following technical solution:

[0007] A multi-scenario transaction payment processing method based on digital vouchers, the method comprising:

[0008] The system receives creditor-debtor relationships uploaded by registrants, creates digital certificates corresponding one-to-one with the creditor-debtor relationships, writes them to a pre-built management platform, and inserts tags generated from attribute data into the digital certificates, wherein the attribute data includes at least: face value, scope of validity, and applicable scenarios.

[0009] Configure business scenarios, wherein the business scenarios consist of asset auctions and commodity retail, and embed a payment routing engine into the management platform;

[0010] When the business scenario is an asset auction, the business scenario is verified through the tag, the participants and bidders are defined, the digital vouchers held by the participants are extracted, the deposits submitted by the bidders are converted and processed, written into the payment routing engine, the asset transaction price is obtained, the payment routing engine is activated, the final payment is obtained after deducting the deposit, the digital vouchers are recovered, and the creditor-debtor relationship is updated.

[0011] When the business scenario is retail, the transaction amount is determined, the face value is extracted from the tag and written into the payment routing engine to obtain a recommended solution, generate a payment request, determine whether the digital voucher needs to be split, and if so, based on the transaction amount and face value, the digital voucher is split into several sub-vouchers, and a binary tree is constructed with the digital voucher as the parent node and the sub-vouchers as the child nodes. The payment request is responded to and the digital voucher is updated.

[0012] Furthermore, the steps of receiving the creditor-debtor relationships uploaded by the registrant, creating digital certificates corresponding one-to-one with the creditor-debtor relationships, and writing them into the pre-built management platform include:

[0013] Create a distributed storage node, select a hash function, hash the digital certificate, and write the resulting hash value into the distributed storage node;

[0014] An authentication strategy is embedded in the distributed storage node.

[0015] Furthermore, the method also includes:

[0016] Collect and verify the execution results of the strategy to determine whether to activate the pre-edited emergency response rules;

[0017] All emergency response rules are integrated to generate a rule set, which is then written into the distributed storage node.

[0018] Furthermore, the configuration of the business scenario, wherein the business scenario consists of asset auctions and commodity retail, includes the step of embedding a payment routing engine into the management platform, which comprises:

[0019] Based on the aforementioned business scenario, a test scenario is established, feedback data is obtained, and the data is labeled into the test scenario.

[0020] All labeled test scenarios are integrated to generate a training set, which is then used to train the payment routing engine.

[0021] Furthermore, the steps of obtaining the asset transaction price, activating the payment routing engine, deducting the deposit to obtain the final payment, recovering the digital voucher, and updating the creditor-debtor relationship include:

[0022] Record the process of changes to digital credentials, wherein the process of changes includes at least: generation, use, recycling, updating and destruction;

[0023] Establish versions that correspond one-to-one with the changes, insert timestamps, and sort the versions in chronological order to generate a version chain.

[0024] Furthermore, the step of constructing a binary tree with digital credentials as parent nodes and child credentials as child nodes to respond to the payment request includes:

[0025] Select several target links from the binary tree and set their risk levels;

[0026] Payment requests are controlled based on the aforementioned risk level.

[0027] Furthermore, the system includes:

[0028] The certificate management module is used to receive the creditor-debtor relationship uploaded by the registrant, create digital certificates corresponding one-to-one with the creditor-debtor relationship, write them to the pre-built management platform, and insert tags generated by attribute data into the digital certificate, wherein the attribute data includes at least: face value, scope of validity and applicable scenarios.

[0029] The scenario routing module is used to configure business scenarios, wherein the business scenarios consist of asset auctions and commodity retail, and embeds a payment routing engine into the management platform;

[0030] The asset auction payment module is used to verify the business scenario via the tag when the business scenario is an asset auction, define the participants and bidders, extract the digital vouchers held by the participants, convert the deposit submitted by the bidders, write it into the payment routing engine, obtain the asset transaction price, activate the payment routing engine, obtain the final payment after deducting the deposit, recover the digital vouchers, and update the creditor-debtor relationship.

[0031] The retail payment module is used to determine the transaction amount when the business scenario is retail sales, extract the face value from the tag, write it into the payment routing engine, obtain a recommended solution, generate a payment request, determine whether the digital voucher needs to be split, and if so, split the digital voucher into several sub-vouchers based on the transaction amount and face value, construct a binary tree with the digital voucher as the parent node and the sub-vouchers as the child nodes, respond to the payment request, and update the digital voucher.

[0032] Furthermore, the credential management module includes:

[0033] A hash unit is used to create a distributed storage node, select a hash function, hash the digital certificate, and write the resulting hash value into the distributed storage node.

[0034] The verification unit is used to embed verification strategies into the distributed storage nodes.

[0035] Furthermore, the scene routing module includes:

[0036] The annotation unit is used to establish a test scenario based on the business scenario, obtain feedback data, and annotate it into the test scenario;

[0037] The training unit is used to integrate all labeled test scenarios, generate a training set, and train the payment routing engine.

[0038] Furthermore, the asset auction payment module includes:

[0039] A recording unit is used to record the process of changes to digital credentials, wherein the process of changes includes at least: generation, use, recycling, updating and destruction;

[0040] The sorting unit is used to establish versions that correspond one-to-one with the change process, insert timestamps, and sort the versions in chronological order to generate a version chain.

[0041] Compared with the prior art, the beneficial effects of the present invention are:

[0042] By constructing two typical transaction scenarios—asset auctions and commodity retail—it is possible to achieve independent yet collaborative payment processing methods, enabling precise adaptation to different business scenarios and greatly expanding the scope of digital voucher usage. The creation of a payment routing engine allows for accurate identification and scheduling of digital vouchers across different transaction scenarios, enabling individual, split, and combined payment using digital vouchers. This significantly improves the flexibility of payment methods and user experience. Distributed storage and hash verification greatly enhance the reliability of digital voucher circulation and payment across multiple transaction scenarios. This supports asset auctions and commodity retail scenarios while facilitating future expansion to other transaction scenarios, further improving the payment efficiency and usage scenarios of digital vouchers. Attached Figure Description

[0043] Figure 1 This is a flowchart of the transaction processing process in the multi-scenario transaction payment processing method based on digital vouchers provided in an embodiment of the present invention.

[0044] Figure 2 A flowchart illustrating a multi-scenario transaction payment processing method based on digital vouchers provided in an embodiment of the present invention.

[0045] Figure 3 This is a first sub-flow flowchart of the multi-scenario transaction payment processing method based on digital vouchers provided in an embodiment of the present invention;

[0046] Figure 4 This is a second sub-flow flowchart of the multi-scenario transaction payment processing method based on digital vouchers provided in an embodiment of the present invention;

[0047] Figure 5 This is a third sub-process flowchart of the multi-scenario transaction payment processing method based on digital vouchers provided in an embodiment of the present invention;

[0048] Figure 6 This is a fourth sub-process flowchart of the multi-scenario transaction payment processing method based on digital vouchers provided in an embodiment of the present invention;

[0049] Figure 7 This is a block diagram of a multi-scenario transaction payment processing system based on digital vouchers provided in an embodiment of the present invention;

[0050] Figure 8 This is a block diagram of the composition of the voucher management module in a multi-scenario transaction payment processing system based on digital vouchers provided in an embodiment of the present invention;

[0051] Figure 9 This is a block diagram of the scene routing module in a multi-scenario transaction payment processing system based on digital vouchers provided in an embodiment of the present invention.

[0052] Figure 10 This is a block diagram of the asset auction payment module in a multi-scenario transaction payment processing system based on digital vouchers provided in an embodiment of the present invention;

[0053] Figure 11 This is a block diagram of the commodity retail payment module in a multi-scenario transaction payment processing system based on digital vouchers provided in an embodiment of the present invention. Detailed Implementation

[0054] To make the objectives, technical solutions, and advantages of this invention clearer, the invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the invention.

[0055] In Example 1, Figure 1 and Figure 2 The implementation flow of the multi-scenario transaction payment processing method based on digital vouchers provided in this embodiment of the invention is illustrated below in detail:

[0056] S100: Receive the creditor-debtor relationship uploaded by the registrant, create a digital certificate corresponding one-to-one with the creditor-debtor relationship, and write it to the pre-built management platform. Insert a tag generated by attribute data into the digital certificate, wherein the attribute data includes at least: face value, scope of validity, and applicable scenario.

[0057] Users who have completed identity registration on the management platform are defined as registrants. The platform receives creditor-debtor relationships uploaded by registrants and verifies their authenticity, legality, and consistency. A corresponding digital certificate is assigned to each creditor-debtor relationship, which can consist of several numbers or other characters. The creditor-debtor relationships and corresponding digital certificates are written into the management platform. Attribute data, including certificate value, scope of application, and applicable business scenarios, is written into the digital certificates. This attribute data is structured and encapsulated. The management platform provides unified storage, indexing, and status management of creditor-debtor relationships, digital certificates, and attribute data, ensuring a one-to-one mapping between digital certificates and corresponding creditor-debtor relationships.

[0058] S200: Configure business scenarios, wherein the business scenarios consist of asset auctions and commodity retail, and embed a payment routing engine into the management platform.

[0059] The transaction scenarios are defined and parameterized, with asset auctions and commodity retail as the main business scenarios for scenario-based modeling. Specifically, this includes: clarifying the transaction participants, payment processes, transaction rules, and usage methods of corresponding digital vouchers in each business scenario; deploying a payment routing engine in the management platform; and writing the flow logic, payment order, deduction rules, and combined payment strategies of digital vouchers in each scenario into the payment routing engine to achieve intelligent scheduling and solution recommendation for digital voucher payment requests in different scenarios. Attribute data is written into the digital vouchers in the form of tags, which can be notes or links.

[0060] S300: When the business scenario is an asset auction, the business scenario is verified through the tag, the participants and bidders are defined, the digital vouchers held by the participants are extracted, the deposits submitted by the bidders are converted and processed, written into the payment routing engine, the asset transaction price is obtained, the payment routing engine is activated, the final payment is obtained after deducting the deposit, the digital vouchers are recovered, and the creditor-debtor relationship is updated.

[0061] By utilizing the validity scope and applicable scenarios in the tags, transaction requests are verified to determine whether the current business falls under the asset auction category. If so, the parties involved in the auction are identified and defined, including the seller, buyer, and other participants. "Parties" refers to all participants, with bidders being the buyers. Before the auction begins, the digital credentials held by each participant are extracted and their applicability verified. After the auction, based on the attributes of the digital credentials and transaction rules, the bidders' submitted deposits are converted, for example, converting cash deposits or other forms of collateral into recognized digital credentials. The processed credential information is then written into the payment routing engine. The advantage of this method is that it automatically calculates the final payment, deducts the deposit, and recovers the digital credentials after the auction is completed, achieving automated transaction settlement and ensuring the entire auction process is efficient and transparent.

[0062] The system retrieves the asset transaction price from the auction results, activates the payment routing engine to automatically execute the fund settlement process. In this process, the bidder's submitted deposit is used to offset part of the transaction price to calculate the final payment amount. At the same time, the system triggers the digital voucher recycling mechanism to retrieve the digital vouchers used for offset from the bidder's account to prevent reuse or overuse. After the transaction is completed, the system updates the relevant creditor-debtor relationships, marks settled debts as completed, and ensures that asset, fund, and voucher information remain consistent throughout the entire transaction chain.

[0063] S400: When the business scenario is retail, determine the transaction amount, extract the face value from the tag, write it into the payment routing engine, obtain a recommended solution, generate a payment request, determine whether the digital voucher needs to be split, if so, based on the transaction amount and face value, split the digital voucher into several sub-vouchers, construct a binary tree with the digital voucher as the parent node and the sub-vouchers as the child nodes, respond to the payment request, and update the digital voucher.

[0064] When the business scenario is retail, the transaction request is verified by using the effective scope and applicable scenarios in the tags to determine the specific transaction amount. The face value of the digital voucher is extracted from the tags, and the transaction amount and face value are written into the payment routing engine to determine the payment recommendation scheme and generate the corresponding payment request.

[0065] Determine whether the digital voucher needs to be split. If the face value of a single digital voucher cannot fully cover the transaction amount, split the digital voucher into several sub-vouchers, with each sub-voucher's face value precisely corresponding to the transaction allocation requirements. Create a parent node corresponding to each digital voucher, determine all possible splitting methods for the digital voucher, generate several sub-vouchers, create child nodes corresponding to each sub-voucher, and attach the child nodes to the parent nodes to generate a binary tree. Both parent and child nodes are logical nodes, and the binary tree is a tree-like data structure, with each splitting method corresponding to a separate binary tree.

[0066] By using the transaction amount, all binary trees are traversed, and the denomination combinations of parent and child nodes are matched one by one. The transaction amount that the sub-voucher combination can accurately cover under each splitting method is calculated, and the most suitable splitting method is determined. Using the corresponding binary tree, a payment request is generated and submitted to the payment routing engine. In this embodiment, by using a binary tree to display all possible splitting schemes, not only can accurate settlement be achieved under complex transaction amounts, improving the efficiency of digital voucher use, but also efficient and flexible management of digital vouchers can be achieved in the context of commodity retail.

[0067] In Example 2, Figure 3 The diagram illustrates the first sub-process flowchart of the multi-scenario transaction payment processing method based on digital vouchers provided in this embodiment of the invention. The following details the steps of receiving the creditor-debtor relationship uploaded by the registrant, creating digital vouchers corresponding one-to-one with the creditor-debtor relationship, and writing them into a pre-built management platform:

[0068] S101: Create a distributed storage node, select a hash function, hash the digital certificate, and write the resulting hash value into the distributed storage node.

[0069] A distributed storage network is constructed using multiple distributed storage nodes. The distributed storage network is mainly used to store and manage digital credentials and their related information. A hash function is selected, which can be either MD5 or SHA-256. The hash function is used to perform a hash operation on the digital credentials to generate a fixed-length hash value, which is then written to the distributed storage nodes for storage.

[0070] S102: Embed the verification strategy into the distributed storage node.

[0071] The verification strategy refers to verifying digital credentials using hash values ​​at preset time intervals to prevent digital credentials or hash values ​​from being tampered with during storage.

[0072] In Embodiment 3, unlike Embodiment 1, the method further includes:

[0073] Collect and verify the execution results of the strategy to determine whether to activate the pre-edited emergency response rules;

[0074] All emergency response rules are integrated to generate a rule set, which is then written into the distributed storage node.

[0075] The system collects the execution results of the verification strategy, including whether the data has been tampered with or remains intact. When the result indicates tampering, the corresponding emergency response rules are activated. These rules include isolating and freezing the affected digital credentials, locking the relevant accounts, recording detailed information about the tampering event, and notifying the administrator. The integrated emergency response rules are then used to generate a rule set for secure storage and efficient access.

[0076] In Example 4, Figure 4 The second sub-process flowchart of the multi-scenario transaction payment processing method based on digital vouchers provided in this embodiment of the invention is shown. The following details the steps of configuring the business scenario, which consists of asset auctions and commodity retail, and embedding the payment routing engine into the management platform:

[0077] S201: Based on the business scenario, establish a test scenario, obtain feedback data, and label it in the test scenario.

[0078] In asset auctions or commodity retail scenarios, test scenarios are built to simulate the transaction environment. Professionals develop payment plans and simulate the transaction process according to these plans. Deviations that occur during the transaction process, such as mismatched voucher values, payment delays, or routing failures, are collected and defined as feedback data. The payment plan and feedback data are then labeled in the test scenario.

[0079] S202: Integrate all labeled test scenarios, generate a training set, and train the payment routing engine.

[0080] The labeled test scenarios are integrated to generate a training set. This training set is then used to train the payment routing engine, enabling it to generate the optimal payment solution based on the input transaction request, digital certificate status, and denomination information. The advantage of this approach is that it can continuously optimize the recommendation performance of the payment routing engine, improving the accuracy and response speed of transaction settlement.

[0081] In Example 5, Figure 5 The diagram illustrates the third sub-process flowchart of the multi-scenario transaction payment processing method based on digital vouchers provided in this embodiment of the invention. The steps of obtaining the asset transaction price, activating the payment routing engine, obtaining the final payment after deducting the deposit, recovering the digital voucher, and updating the creditor-debtor relationship are described in detail below:

[0082] S301: Record the process of changing digital credentials, wherein the process of changing credentials includes at least: generation, use, recycling, updating and destruction.

[0083] Each change to the digital voucher is recorded to obtain the change process, which includes the data status of the digital voucher before and after the change.

[0084] S302: Establish versions that correspond one-to-one with the change process, insert timestamps, and sort the versions in chronological order to generate a version chain.

[0085] By using versions, the change process is recorded, and a timestamp is activated to record the specific time of the change. In other words, a new version is generated every time a digital voucher changes, and each version corresponds to a timestamp. All versions are sorted in chronological order of their timestamps to obtain a version chain. The version chain clearly shows the complete trajectory of each digital voucher from generation to destruction, facilitating traceability and management.

[0086] In Example 6, Figure 6 The diagram illustrates the fourth sub-process flowchart of the multi-scenario transaction payment processing method based on digital credentials provided in this embodiment of the invention. The steps of constructing a binary tree with digital credentials as parent nodes and child credentials as child nodes to respond to the payment request are described in detail below:

[0087] S401: Select several target links from the binary tree and set their risk levels.

[0088] After determining the binary tree, select multiple target links. Each target link represents a sub-voucher that needs to be paid. Based on the face value and usage of the corresponding sub-voucher, set the risk level. The risk level can be represented by a specific numerical value or by a classification method such as "high", "medium", and "low".

[0089] S402: Control payment requests based on the risk level.

[0090] For target links with high risk levels, control measures are implemented during payment operations; simply put, additional verification is required when using digital credentials for large transactions.

[0091] Figure 7 This diagram illustrates the structural block diagram of a multi-scenario transaction payment processing system based on digital credentials provided in an embodiment of the present invention. The multi-scenario transaction payment processing system 1 based on digital credentials includes:

[0092] The certificate management module 11 is used to receive the creditor-debtor relationship uploaded by the registrant, create digital certificates corresponding one-to-one with the creditor-debtor relationship, write them to the pre-built management platform, and insert tags generated by attribute data into the digital certificate, wherein the attribute data includes at least: face value, scope of validity and applicable scenarios.

[0093] Scene routing module 12 is used to configure business scenarios, wherein the business scenarios consist of asset auctions and commodity retail, and embeds a payment routing engine into the management platform;

[0094] The asset auction payment module 13 is used to verify the business scenario via the tag when the business scenario is an asset auction, define the participants and bidders, extract the digital vouchers held by the participants, convert the deposit submitted by the bidders, write it into the payment routing engine, obtain the asset transaction price, activate the payment routing engine, obtain the final payment after deducting the deposit, recover the digital vouchers, and update the creditor-debtor relationship.

[0095] The retail payment module 14 is used to determine the transaction amount when the business scenario is retail, extract the face value from the tag, write it into the payment routing engine, obtain a recommended solution, generate a payment request, determine whether the digital voucher needs to be split, and if so, split the digital voucher into several sub-vouchers based on the transaction amount and face value, construct a binary tree with the digital voucher as the parent node and the sub-vouchers as the child nodes, respond to the payment request, and update the digital voucher.

[0096] Figure 8 This diagram illustrates the composition of the voucher management module 11 in a multi-scenario transaction payment processing system based on digital vouchers provided in an embodiment of the present invention. The voucher management module 11 includes:

[0097] Hash unit 111 is used to create a distributed storage node, select a hash function, hash the digital certificate, and write the resulting hash value into the distributed storage node;

[0098] The verification unit 112 is used to embed a verification strategy into the distributed storage node.

[0099] Figure 9 This diagram illustrates the structural composition of the scenario routing module 12 in a multi-scenario transaction payment processing system based on digital credentials provided in an embodiment of the present invention. The scenario routing module 12 includes:

[0100] The annotation unit 121 is used to establish a test scenario based on the business scenario, obtain feedback solutions, and annotate them into the test scenario;

[0101] Training unit 122 is used to integrate all labeled test scenarios, generate a training set, and train the payment routing engine.

[0102] Figure 10 This diagram illustrates the structural composition of the asset auction payment module 13 in a multi-scenario transaction payment processing system based on digital vouchers provided in an embodiment of the present invention. The asset auction payment module 13 includes:

[0103] Recording unit 131 is used to record the process of changing digital credentials, wherein the process of changing credentials includes at least: generation, use, recycling, updating and destruction;

[0104] The sorting unit 132 is used to establish versions that correspond one-to-one with the change process, insert timestamps, and sort the versions in chronological order to generate a version chain.

[0105] Figure 11 This diagram illustrates the structural composition of the retail payment module 14 in a multi-scenario transaction payment processing system based on digital credentials provided in an embodiment of the present invention. The retail payment module 14 includes:

[0106] Setting unit 141 is used to select several target links from the binary tree and set risk levels.

[0107] The control unit 142 is used to control payment requests based on the risk level.

[0108] The voucher management module 11 is mainly used to complete step S100, the scene routing module 12 is mainly used to complete step S200, the asset auction payment module 13 is mainly used to complete step S300, and the commodity retail payment module 14 is mainly used to complete step S400.

[0109] The hash unit 111 is mainly used to complete step S101, and the verification unit 112 is mainly used to complete step S102.

[0110] The annotation unit 121 is mainly used to complete step S201, and the training unit 122 is mainly used to complete step S202;

[0111] Recording unit 131 is mainly used to complete step S301, and sorting unit 132 is mainly used to complete step S302;

[0112] Setting unit 141 is mainly used to complete step S401, and control unit 142 is mainly used to complete step S402.

[0113] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0114] The embodiments described above are merely illustrative of several implementations of the present invention, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of the present invention. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of the present invention, and these modifications and improvements all fall within the scope of protection of the present invention. Therefore, the scope of protection of this patent should be determined by the appended claims.

[0115] The above description is merely a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention should be included within the protection scope of the present invention.

Claims

1. A multi-scenario transaction payment processing method based on digital vouchers, characterized in that, The method includes: The system receives creditor-debtor relationships uploaded by registrants, creates digital certificates corresponding one-to-one with the creditor-debtor relationships, writes them to a pre-built management platform, and inserts tags generated from attribute data into the digital certificates, wherein the attribute data includes at least: face value, scope of validity, and applicable scenarios. Configure business scenarios, wherein the business scenarios consist of asset auctions and commodity retail, and embed a payment routing engine into the management platform; When the business scenario is an asset auction, the business scenario is verified through the tag, the participants and bidders are defined, the digital vouchers held by the participants are extracted, the deposits submitted by the bidders are converted and processed, written into the payment routing engine, the asset transaction price is obtained, the payment routing engine is activated, the final payment is obtained after deducting the deposit, the digital vouchers are recovered, and the creditor-debtor relationship is updated. When the business scenario is retail, the transaction amount is determined, the face value is extracted from the tag and written into the payment routing engine to obtain a recommended solution, generate a payment request, determine whether the digital voucher needs to be split, and if so, based on the transaction amount and face value, the digital voucher is split into several sub-vouchers, and a binary tree is constructed with the digital voucher as the parent node and the sub-vouchers as the child nodes. The payment request is responded to and the digital voucher is updated.

2. The multi-scenario transaction payment processing method based on digital vouchers according to claim 1, characterized in that, The steps of receiving the creditor-debtor relationships uploaded by the registrant, creating digital certificates corresponding one-to-one with the creditor-debtor relationships, and writing them into the pre-built management platform include: Create a distributed storage node, select a hash function, hash the digital certificate, and write the resulting hash value into the distributed storage node; An authentication strategy is embedded in the distributed storage node.

3. The multi-scenario transaction payment processing method based on digital vouchers according to claim 2, characterized in that, The method further includes: Collect and verify the execution results of the strategy to determine whether to activate the pre-edited emergency response rules; All emergency response rules are integrated to generate a rule set, which is then written into the distributed storage node.

4. The multi-scenario transaction payment processing method based on digital vouchers according to claim 1, characterized in that, The configured business scenario, wherein the business scenario consists of asset auction and commodity retail, includes the following steps for embedding a payment routing engine into the management platform: Based on the aforementioned business scenario, a test scenario is established, feedback data is obtained, and the data is labeled into the test scenario. All labeled test scenarios are integrated to generate a training set, which is then used to train the payment routing engine.

5. The multi-scenario transaction payment processing method based on digital vouchers according to claim 2, characterized in that, The steps of obtaining the asset transaction price, activating the payment routing engine, deducting the deposit to obtain the final payment, recovering the digital voucher, and updating the creditor-debtor relationship include: Record the process of changes to digital credentials, wherein the process of changes includes at least: generation, use, recycling, updating and destruction; Establish versions that correspond one-to-one with the changes, insert timestamps, and sort the versions in chronological order to generate a version chain.

6. The multi-scenario transaction payment processing method based on digital vouchers according to claim 1, characterized in that, The steps of constructing a binary tree with digital credentials as parent nodes and child credentials as child nodes to respond to the payment request include: Select several target links from the binary tree and set their risk levels; Payment requests are controlled based on the aforementioned risk level.

7. A multi-scenario transaction payment processing system based on digital vouchers, characterized in that, The system includes: The certificate management module is used to receive the creditor-debtor relationship uploaded by the registrant, create digital certificates corresponding one-to-one with the creditor-debtor relationship, write them to the pre-built management platform, and insert tags generated by attribute data into the digital certificate, wherein the attribute data includes at least: face value, scope of validity and applicable scenarios. The scenario routing module is used to configure business scenarios, wherein the business scenarios consist of asset auctions and commodity retail, and embeds a payment routing engine into the management platform; The asset auction payment module is used to verify the business scenario via the tag when the business scenario is an asset auction, define the participants and bidders, extract the digital vouchers held by the participants, convert the deposit submitted by the bidders, write it into the payment routing engine, obtain the asset transaction price, activate the payment routing engine, obtain the final payment after deducting the deposit, recover the digital vouchers, and update the creditor-debtor relationship. The retail payment module is used to determine the transaction amount when the business scenario is retail sales, extract the face value from the tag, write it into the payment routing engine, obtain a recommended solution, generate a payment request, determine whether the digital voucher needs to be split, and if so, split the digital voucher into several sub-vouchers based on the transaction amount and face value, construct a binary tree with the digital voucher as the parent node and the sub-vouchers as the child nodes, respond to the payment request, and update the digital voucher.

8. The multi-scenario transaction payment processing system based on digital vouchers according to claim 7, characterized in that, The voucher management module includes: A hash unit is used to create a distributed storage node, select a hash function, hash the digital certificate, and write the resulting hash value into the distributed storage node. The verification unit is used to embed verification strategies into the distributed storage nodes.

9. The multi-scenario transaction payment processing system based on digital vouchers according to claim 7, characterized in that, The scene routing module includes: The annotation unit is used to establish a test scenario based on the business scenario, obtain feedback data, and annotate it into the test scenario; The training unit is used to integrate all labeled test scenarios, generate a training set, and train the payment routing engine.

10. The multi-scenario transaction payment processing system based on digital vouchers according to claim 8, characterized in that, The asset auction payment module includes: A recording unit is used to record the process of changes to digital credentials, wherein the process of changes includes at least: generation, use, recycling, updating and destruction; The sorting unit is used to establish versions that correspond one-to-one with the change process, insert timestamps, and sort the versions in chronological order to generate a version chain.

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