Transaction method, system and electronic device supporting digital currency

Abstract

The application relates to the technical field of digital renminbi, and provides a transaction method, a system and electronic equipment supporting digital currency. The method comprises the following steps: in response to receiving the digital renminbi of a first amount paid by a target payee to a payee, an operating agency stores the digital renminbi into a target sub-account corresponding to the target payee; a non-bank payment agency sends a payment request instruction to the operating agency; the operating agency pays the digital renminbi of the first amount to be settled in the target sub-account to a reserve fund account of the non-bank payment agency; the non-bank payment agency collects the digital renminbi of the first amount corresponding to the same payee and funds of a second amount paid by a non-digital renminbi electronic payment channel, and pays the digital renminbi of the first amount and the funds of the second amount to a settlement account of the target payee through a fund transfer system. The technical scheme can improve the financial data processing efficiency of users and improve the user experience.

Description

Technical Field

[0001] This invention relates to the field of digital currency technology, and in particular to a transaction method, system and electronic device that supports digital currency. Background Technology

[0002] Digital currency is a currency that exists solely in electronic form. The digital yuan is a digital currency issued by the People's Bank of China. Currently, the digital yuan operates independently from other electronic payment methods in terms of settlement and reconciliation, leading to double the financial work for the payee. For example, the entry path for digital yuan differs from other electronic payment methods: digital yuan goes directly into the merchant's digital currency account, while the amount from other electronic payment methods (through non-bank payment institutions such as UnionPay Merchant Services) enters the payee's bank settlement account T+1 days later. These separate entries require the payee to manage two different accounts and perform two reconciliations, further increasing the workload, time, and error risk for the payee's staff, and reducing the efficiency of the payee's financial data processing. Summary of the Invention

[0003] This application provides a transaction method, system, and electronic device that supports digital currency, which can provide unified settlement services for payees and improve the efficiency of financial data processing for payees.

[0004] This application provides a transaction method supporting digital currency. A non-bank payment institution opens an umbrella account with an operating institution. The umbrella account includes a top-level account and multiple sub-accounts linked to the top-level account, with each sub-account corresponding to multiple payees. The method includes: in response to receiving a first amount of digital RMB from a target payer to a payee, the operating institution deposits the digital RMB into the top-level account corresponding to the non-bank payment institution, and then transfers the digital RMB to the target sub-account corresponding to the target payee; the non-bank payment institution sends a payment request instruction to the operating institution, and the operating institution transfers the first amount of digital RMB pending settlement from the target sub-account to the non-bank payment institution's reserve fund account; the non-bank payment institution aggregates the first amount of digital RMB corresponding to the same payee with a second amount of funds paid through a non-digital RMB electronic payment channel, and then transfers the first amount of digital RMB and the second amount of funds to the target payee's settlement account in one transaction through a fund transfer system.

[0005] According to the transaction method supporting digital currency provided in the embodiments of this application, the method further includes: a non-bank payment institution obtaining a digital RMB statement from an operating institution, verifying it with the transaction flow in the transaction system, and generating a first statement corresponding to the digital RMB transaction; merging the first statement with a second statement corresponding to a non-digital RMB electronic payment channel to generate a merged third statement, and importing it into the service system.

[0006] According to the digital currency transaction method provided in the embodiments of this application, after importing into the service system, the method further includes: the service system displaying a third statement to the target payee through an interactive page; and / or, the service system pushing the third statement to the target payee via FTP.

[0007] According to the transaction method supporting digital currency provided in the embodiments of this application, after the funds are transferred to the reserve account of a non-bank payment institution, before the non-bank payment institution aggregates the first amount of digital RMB corresponding to the same payee and the second amount of funds paid through non-digital RMB electronic payment channels, the method further includes: the non-bank payment institution merging the first clearing flow of digital RMB corresponding to the target payee and the second clearing flow of non-digital RMB electronic payment channels and importing it into the settlement system; the aggregation of the first amount of digital RMB corresponding to the same payee and the second amount of funds paid through non-digital RMB electronic payment channels by the non-bank payment institution includes: the settlement system aggregating the first amount of digital RMB corresponding to the same payee and the second amount of funds paid through non-digital RMB electronic payment channels.

[0008] According to the transaction method supporting digital currency provided in the embodiments of this application, after the funds are transferred to the reserve fund account of a non-bank payment institution, before the non-bank payment institution merges the first clearing flow of the digital currency corresponding to the target payee with the second clearing flow of the non-digital currency electronic payment channel and imports it into the settlement system, the method further includes: the non-bank payment institution verifying the deposit record of the first amount in the reserve fund account with the first clearing flow recorded in the clearing system to complete the deposit confirmation.

[0009] This application embodiment also provides a transaction system supporting digital currency. A non-bank payment institution opens an umbrella account with an operating institution. The umbrella account includes a top-level account and multiple sub-accounts attached to the top-level account, with each sub-account corresponding to multiple payees. The system includes: a deposit unit, used to trigger the operating institution to deposit the digital currency into the top-level account corresponding to the non-bank payment institution in response to receiving a first amount of digital currency paid by a target payer to a payee, and then transfer the digital currency to the target sub-account corresponding to the target payee; a request unit, used to trigger the non-bank payment institution to send a request instruction to the operating institution, and to trigger the operating institution to transfer the first amount of digital currency pending settlement in the target sub-account to the non-bank payment institution's reserve fund account; and a summarization unit, used to trigger the non-bank payment institution to sum the first amount of digital currency corresponding to the same payee and the second amount of funds paid through a non-digital currency electronic payment channel, and then transfer the first amount of digital currency and the second amount of funds to the target payee's settlement account in one transaction through a fund transfer system.

[0010] According to the digital currency-supporting transaction system provided in the embodiments of this application, the system further includes: a bill merging unit, used to trigger a non-bank payment institution to perform the following operations: obtain a digital currency statement from the operating institution, verify it with the transaction flow in the transaction system, and form a first statement corresponding to the digital currency transaction; and merge the first statement with a second statement corresponding to a non-digital currency electronic payment channel to generate a unified third statement and import it into the service system.

[0011] According to the embodiments of this application, the transaction system supporting digital currency is used to: display a third statement to the target recipient through an interactive page; and / or push the third statement to the target recipient via FTP.

[0012] According to the digital currency-supporting transaction system provided in the embodiments of this application, the system further includes a clearing flow merging unit, which is used to trigger a non-bank payment institution to perform the following operations: merging the first clearing flow of digital currency corresponding to the target payee with the second clearing flow of non-digital currency electronic payment channels and then importing it into the settlement system; the settlement system is used to aggregate the first amount of digital currency corresponding to the same payee with the second amount of funds paid by non-digital currency electronic payment channels.

[0013] This application also provides an electronic device, including a processor and a memory storing a computer program, wherein the processor executes the program to implement a transaction method supporting digital currency as described above.

[0014] This application also provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements a transaction method supporting digital currency as described above.

[0015] This application also provides a computer program product, including a computer program that, when executed by a processor, implements a digital currency transaction method as described above.

[0016] The transaction methods, systems, and electronic devices supporting digital currencies provided in this application embodiment utilize an umbrella account system. Digital currency funds (e.g., digital RMB) first enter a top-level account opened at an operating institution by a non-bank payment institution (such as UnionPay Merchant Services), then are transferred to the sub-account corresponding to the target payee, and finally uniformly transferred to the non-bank payment institution's reserve fund account. In this way, digital currency funds and other payment funds are aggregated within the same entity's (non-bank payment institution's) account system before reaching the merchant. The non-bank payment institution then combines the digital currency funds aggregated in the reserve fund account with funds paid through non-digital currency electronic payment channels, and transfers them in one transaction to the same settlement account of the payee (e.g., the merchant) through the fund transfer system. The payee only needs to check for this single deposit. Furthermore, since the funds have been consolidated and settled by non-bank payment institutions, these institutions have access to the corresponding transaction records. This allows them to generate unified statements that include digital currency and other payment methods, thereby eliminating the need for payees to obtain statements from two separate sources and manually match them. This improves the efficiency of the payee's financial audit and processing, saves labor and time costs, and helps improve the user experience of using digital RMB for receiving and making payments. Attached Figure Description

[0017] To more clearly illustrate the technical solutions in this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0018] Figure 1 This is a flowchart illustrating a digital currency transaction method provided in an embodiment of this application; Figure 2 This is a flowchart illustrating a specific embodiment of the digital currency transaction method provided in this application. Figure 3 This is a schematic diagram of the software module structure of a transaction system supporting digital RMB for multiple business systems, provided in an embodiment of this application. Figure 4 This is a schematic diagram of the structure of the electronic device provided in the embodiments of this application. Detailed Implementation

[0019] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0020] In the embodiments of this application, "at least one" refers to one or more, and "more than one" refers to two or more. "And / or" describes the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can represent: A existing alone, A and B existing simultaneously, and B existing alone, where A and B can be singular or plural. In the textual description of this application, the character " / " generally indicates that the preceding and following related objects have an "or" relationship.

[0021] In services supporting digital RMB payments, after a user (payer) completes a payment, the digital RMB funds are directly transferred from the user's digital currency account to the payee's digital currency account. The payee obtains a transaction statement from the operating institution. The digital currency account is a digital currency account, such as a digital RMB wallet. Funds received by the payee through other electronic payment channels are transferred by UnionPay Merchant Services to the payee's bank settlement account on T+1 day, and the payee obtains a transaction statement from UnionPay Merchant Services. The funds for digital RMB payments and other electronic payments are transferred in two separate transactions, one to the payee's digital currency account and the other to their bank account. The transaction statements for digital RMB payments and other electronic payments are also separate documents. This mechanism introduces additional financial processing work for the payee.

[0022] Because the digital yuan operates independently from other electronic payment methods in terms of fund settlement and reconciliation, payees face dual financial tasks. Specifically, the fund inflow paths for digital yuan differ from other electronic payment methods: digital yuan goes directly into the payee's digital currency account, while other payment funds (through UnionPay Merchant Services) enter the payee's bank settlement account T+1 days later. These separate inflows require the payee to manage two different accounts. Furthermore, the reconciliation statements for digital yuan and other electronic payment methods differ in origin: digital yuan statements are obtained from the operating institution, while other payment statements are obtained from UnionPay Merchant Services. The two statements have different file formats, content, and acquisition channels, requiring the payee to download, verify, and match them separately. This double reconciliation process further increases the workload, time, and error risk for financial personnel.

[0023] In view of this, in order to solve the above problems, this application proposes a transaction method, system and electronic device that supports digital currency. Through the unified settlement service of funds based on digital RMB, UnionPay Merchant Services can eliminate the additional financial reconciliation work caused by the payee opening digital RMB acceptance business and improve the payee's financial data processing efficiency.

[0024] First, non-bank payment institutions (such as UnionPay Merchant Services) collaborate with operating institutions (such as banks) through an umbrella wallet model. The operating institution transfers digital RMB funds received from payees through the non-bank payment institution's internal account, and then transfers these funds to the non-bank payment institution's reserve fund account on day D+1. Second, after verifying the digital RMB funds, the non-bank payment institution, based on the payee's actual clearing flow and funds from other electronic channels, transfers these funds in one lump sum to the payee's operating institution's corporate account. Simultaneously, the non-bank payment institution merges the payee's digital RMB statement with those from other electronic payment channels, providing a unified statement to the payee through the UnionPay Merchant Services platform, thereby achieving a unified settlement service based on digital RMB.

[0025] Specifically, in the digital currency transaction method proposed in this application embodiment, a non-bank payment institution opens an umbrella account with an operating institution. The umbrella account includes a top-level account corresponding to the non-bank payment institution and multiple sub-accounts attached to the top-level account. These sub-accounts correspond to multiple payees. The non-bank payment institution may include a transaction system, a clearing system, a settlement system, and a funds transfer system.

[0026] Umbrella accounts, also known as umbrella wallets, refer to an account management model where non-bank payment institutions (such as third-party institutions like UnionPay Merchant Services) collaborate with operating institutions (such as banks). In this model, the non-bank payment institution opens a top-level "umbrella-shaped" account (or umbrella top wallet) with the operating institution, under which multiple sub-accounts (or umbrella bottom wallets) can be linked. These sub-accounts correspond to multiple payees; for example, if the payee is a merchant, then the multiple sub-accounts correspond to multiple merchants. After the payer uses digital RMB for payment, the funds first enter the non-bank payment institution's umbrella top wallet in real time, then are transferred to the payee's corresponding umbrella bottom wallet. Finally, the non-bank payment institution initiates a unified payment request, consolidating the funds into its reserve account. This umbrella structure facilitates centralized management and unified settlement of digital RMB for payees by non-bank payment institutions.

[0027] Based on this, such as Figure 1 As shown in the embodiments of this application, the transaction method supporting digital currency may include the following process: Step 101: In response to receiving the first amount of digital currency paid by the target payer to the payee, the operating institution deposits the digital currency into the top-level account corresponding to the non-bank payment institution, and then transfers it to the target sub-account corresponding to the target payee.

[0028] In this embodiment of the application, the operating institution may be, for example, a commercial bank or other entity with payment and settlement qualifications that meets the requirements of the People's Bank of China.

[0029] Step 102: The non-bank payment institution sends a payment request instruction to the operating institution.

[0030] Non-bank payment institutions can also be called payment service providers, third-party payment institutions, or digital currency acceptance service providers. For example, non-bank payment institutions can be UnionPay Merchant Services, XX Pay, X Credit, etc.

[0031] Step 103: In response to the payment request instruction, the operating institution transfers the first amount of digital currency pending settlement in the target sub-account to the reserve fund account of the non-bank payment institution.

[0032] When a user conducts a transaction through a third-party payment institution (such as UnionPay Merchant Services), the funds are not immediately transferred from the user's account to the payee's account. During this time lag, the funds are temporarily held in a dedicated operating account of the third-party payment institution; this account is called the reserve fund account.

[0033] In existing digital currency payment mechanisms, digital currency and funds from other electronic payment channels are stored in two separate accounts and cannot be merged. This application's embodiment utilizes an umbrella wallet and payment request instructions to first deposit digital currency into a reserve account of a non-bank payment institution. The reserve account is a key intermediary account for implementing the technical approach of first collecting, then verifying, and finally merging funds. The reserve account transforms the direct flow of digital currency funds to the payee into a process of first aggregating through a non-bank payment institution, thus creating conditions for unified settlement.

[0034] Step 104: Non-bank payment institutions aggregate the first amount of digital currency corresponding to the same payee and the second amount of funds paid through non-digital currency electronic payment channels.

[0035] Based on steps 101-103, the digital currency funds (first amount) and other payment funds (second amount) are deposited into the reserve fund account, thereby allowing the funds from two different payment channels to be aggregated.

[0036] Step 105: The non-bank payment institution transfers the first amount of digital currency and the second amount of funds to the settlement account of the target recipient through the fund transfer system.

[0037] Figure 1 The technical solution shown transforms the original direct path of digital currency funds to the recipient's digital currency account into a process of aggregation through umbrella accounts → transfer through reserve fund accounts → merging into a single settlement. This changes the process to one where digital currency funds are aggregated by non-bank payment institutions and transferred together with other payment funds. This solves the problem of additional reconciliation work caused by separate fund inflows and outflows, improves the recipient's processing efficiency, and saves labor costs.

[0038] The following is another specific embodiment. In this specific embodiment, the transaction method supporting digital currency may include the following three stages: Stage 1, transferring digital currency to a reserve fund account (steps 201-204); Stage 2, merging and transferring funds from digital currency to other electronic payment channels (steps 205-207); Stage 3, merging the statement of digital RMB with the statement of other electronic payment channels to generate a merged statement (steps 208-209).

[0039] It should be noted that the method provided in this application embodiment can support various digital currencies. This specific embodiment takes the digital RMB as an example for explanation. Figure 2 As shown, this specific embodiment may include the following process: Step 201: In response to receiving a payment request from the payer to make a payment using digital RMB, the first amount of digital RMB is transferred in real time from the payer's wallet to the top-level account opened by the non-bank payment institution at the operating institution, and then transferred to the sub-account corresponding to the target payee.

[0040] The payer initiates a payment request to the operating institution. The payment request includes payment method information, payee information (defined as the target payee), and a first payment amount. In this specific embodiment, the payment method information is the digital RMB method.

[0041] Step 202: The non-bank payment institution sends a payment request instruction to the operating institution.

[0042] For example, on D+1 day, a non-bank payment institution sends a payment request instruction to the operating institution. D indicates the time when the first amount of digital RMB will be transferred from the payer's wallet to the non-bank payment institution's corresponding top-level account in real time, and then transferred to the target payee's corresponding sub-account.

[0043] Step 203: The operating institution transfers the first amount of digital RMB pending settlement from the sub-account corresponding to the target payee in the umbrella wallet to the reserve fund account of the non-bank payment institution.

[0044] Step 204: The non-bank payment institution will verify the deposit record of the first amount in the reserve fund account with the first clearing flow data of digital RMB recorded in the clearing system (hereinafter referred to as the first clearing flow) to complete the confirmation of digital RMB deposit.

[0045] Step 205: Non-bank payment institutions merge the first clearing transaction of digital RMB with the second clearing transaction of other electronic payment methods and import them into the settlement system.

[0046] Other electronic payment methods, also known as other electronic payment channels, can be any one or more electronic payment methods other than digital RMB.

[0047] Step 206: The settlement system aggregates the funds paid in digital RMB of the first amount and the funds paid in other electronic payment methods of the second amount, according to the payee.

[0048] Based on the recipient, the first amount of digital RMB is aggregated with the second amount of funds from other electronic payment channels. That is, the first amount of digital RMB corresponding to the same recipient and the second amount of funds through other electronic payment methods are aggregated.

[0049] Step 207: The fund transfer system transfers the first amount of digital RMB and the second amount of funds from other electronic payment channels to the target recipient's bank settlement account in one transaction.

[0050] Step 208: The non-bank payment institution obtains the transaction records corresponding to the digital RMB of the target payee from the operating institution, verifies them with the transaction flow in the transaction system, generates the first statement corresponding to the digital RMB, and then merges the first statement with the second statement corresponding to other electronic payment channels to generate the merged third statement, and imports it into the payee service system.

[0051] A statement of account can also be called a reconciliation document. A payee service system refers to a back-office management system provided by a non-bank payment institution to the payee for managing transactions and funds.

[0052] Step 209: The service system displays the third statement to the target payee through an interactive page; and / or pushes the third statement to the target payee via FTP.

[0053] FTP (File Transfer Protocol) push is a data transfer method that allows the system to automatically send files or data from one electronic device to another.

[0054] The payee service system pushes the merged third-party reconciliation statement to the payee through methods such as page query display and FTP push of the third-party reconciliation statement to the payee's designated server. In other words, it provides the payee with a unified reconciliation statement of digital RMB and other electronic payment methods, providing the payee with unified fund reconciliation statement data to improve the payee's reconciliation data processing efficiency.

[0055] Based on the above exemplary description, it can be seen that in some embodiments, after step 105, the following operations can also be performed: the non-bank payment institution obtains the digital RMB statement from the operating institution, verifies it with the transaction flow in the transaction system, and generates a first statement corresponding to the digital RMB transaction; the first statement is merged with the second statement corresponding to the non-digital RMB electronic payment channel to generate a merged third statement, and imported into the service system.

[0056] Furthermore, after importing the service system, the service system can also display a third-party statement to the target payee through an interactive page; and / or, the service system can also push the third-party statement to the target payee via FTP. For example, the service system may only push the third-party statement to the target payee via FTP; or, the service system may only display the third-party statement to the target payee through an interactive page; or, the service system may display the third-party statement to the target payee through an interactive page while simultaneously pushing the third-party statement to the target payee via FTP.

[0057] In some embodiments, after the funds are transferred to the reserve account of the non-bank payment institution in step 103, the following operation may also be performed: the non-bank payment institution merges the first clearing flow of digital RMB corresponding to the target payee with the second clearing flow of non-digital RMB electronic payment channels and imports it into the settlement system. Correspondingly, in step 104, the non-bank payment institution summarizes the first amount of digital RMB corresponding to the same payee and the second amount of funds paid by non-digital RMB electronic payment channels. Specifically, the settlement system may summarize the first amount of digital RMB corresponding to the same payee and the second amount of funds paid by non-digital RMB electronic payment channels.

[0058] In some embodiments, such as Figure 2 In the embodiment shown, after step 203, the following operation can also be performed: the non-bank payment institution checks the deposit record of the first amount in the reserve fund account with the first clearing flow recorded in the clearing system to complete the deposit confirmation.

[0059] In summary, the transaction method supporting digital RMB provided in this application embodiment transfers digital RMB funds to the reserve fund account of a non-bank payment institution through a cooperative umbrella wallet model with the operating institution, instead of directly transferring them to the recipient's digital currency account; the non-bank payment institution uses the reserve fund account to aggregate the digital RMB funds with funds from other electronic payment channels and transfer them to the recipient in one lump sum.

[0060] Furthermore, optionally, in some embodiments, non-bank payment institutions provide a unified statement to payees by merging digital RMB statements with statements from other electronic payment channels. In this way, banks and merchants provide payees with unified fund settlement and reconciliation services for digital RMB and other electronic payment methods, reducing the additional fund reconciliation work caused by adding digital RMB payment methods, improving payee efficiency, saving labor costs, and helping to improve the user experience of using digital RMB for receiving and making payments.

[0061] The following describes the transaction system supporting digital RMB provided in the embodiments of this application. The system described below can be referred to in correspondence with the transaction method supporting digital currency described above, and can achieve the same or corresponding technical effects.

[0062] This application provides a transaction system supporting digital RMB for multi-business systems, such as... Figure 3 As shown, the system includes: The deposit unit 301 is used to trigger the operating institution to deposit the digital RMB into the top-level account corresponding to the non-bank payment institution in response to receiving the first amount of digital RMB paid by the target payer to the payee, and then transfer it to the target sub-account corresponding to the target payee.

[0063] The request unit 302 is used to trigger the non-bank payment institution to send a request instruction to the operating institution, and to trigger the operating institution to transfer the first amount of digital RMB pending settlement in the target sub-account to the non-bank payment institution's reserve fund account.

[0064] The aggregation unit 303 is used to trigger non-bank payment institutions to aggregate the first amount of digital RMB corresponding to the same payee and the second amount of funds paid through non-digital RMB electronic payment channels, and transfer the first amount of digital RMB and the second amount of funds to the settlement account of the target payee in one transaction through the fund transfer system.

[0065] Optional, such as Figure 3 As shown, the system may further include a bill merging unit 304, which triggers a non-bank payment institution to perform the following operations: obtain a digital RMB statement from the operating institution, verify it against the transaction flow in the transaction system, and form a first statement corresponding to the digital RMB transaction; and merge the first statement with a second statement corresponding to a non-digital RMB electronic payment channel to generate a unified third statement and import it into the service system.

[0066] Optionally, the system may include a service system (i.e., a payee service system), which is used to: display a third statement to the target payee through an interactive page; and / or push the third statement to the target payee via FTP.

[0067] Optional, such as Figure 3 As shown, the system may further include a clearing transaction merging unit 305, which is used to trigger non-bank payment institutions to perform the following operations: merge the first clearing transaction of digital RMB corresponding to the target payee with the second clearing transaction of non-digital RMB electronic payment channels and import them into the settlement system; the settlement system is used to summarize the funds of the first amount of digital RMB corresponding to the same payee and the second amount of funds paid by non-digital RMB electronic payment channels.

[0068] Figure 4 A schematic diagram of the physical structure of an electronic device is shown. (For example...) Figure 4 As shown, the electronic device may include: a processor 410, a communication interface 420, a memory 430, and a communication bus 440, wherein the processor 410, the communication interface 420, and the memory 430 communicate with each other via the communication bus 440. The processor 410 can call a computer program in the memory 430 to execute steps of a transaction method supporting digital currency, such as: Upon receiving the first amount of digital RMB from the target payer to the payee, the operating institution deposits the digital RMB into the top-level account corresponding to the non-bank payment institution, and then transfers it to the target sub-account corresponding to the target payee. The non-bank payment institution sends a payment request instruction to the operating institution, and the operating institution transfers the first amount of digital RMB pending settlement in the target sub-account to the non-bank payment institution's reserve fund account. The non-bank payment institution aggregates the first amount of digital RMB corresponding to the same payee with the second amount of funds paid through non-digital RMB electronic payment channels, and transfers the first amount of digital RMB and the second amount of funds to the target payee's settlement account in one transaction through the fund transfer system.

[0069] Furthermore, the logical instructions in the aforementioned memory 430 can be implemented as software functional units and, when sold or used as independent products, can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or a portion of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0070] On the other hand, embodiments of this application also provide a computer program product, which includes a computer program that can be stored on a non-transitory computer-readable storage medium. When the computer program is executed by a processor, the computer can perform the steps of the digital currency transaction methods provided in the above embodiments, such as including: Upon receiving the first amount of digital RMB from the target payer to the payee, the operating institution deposits the digital RMB into the top-level account corresponding to the non-bank payment institution, and then transfers it to the target sub-account corresponding to the target payee. The non-bank payment institution sends a payment request instruction to the operating institution, and the operating institution transfers the first amount of digital RMB pending settlement in the target sub-account to the non-bank payment institution's reserve fund account. The non-bank payment institution aggregates the first amount of digital RMB corresponding to the same payee with the second amount of funds paid through non-digital RMB electronic payment channels, and transfers the first amount of digital RMB and the second amount of funds to the target payee's settlement account in one transaction through the fund transfer system.

[0071] On the other hand, embodiments of this application also provide a processor-readable storage medium storing a computer program for causing a processor to perform the steps of the methods provided in the above embodiments, such as including: Upon receiving the first amount of digital RMB from the target payer to the payee, the operating institution deposits the digital RMB into the top-level account corresponding to the non-bank payment institution, and then transfers it to the target sub-account corresponding to the target payee. The non-bank payment institution sends a payment request instruction to the operating institution, and the operating institution transfers the first amount of digital RMB pending settlement in the target sub-account to the non-bank payment institution's reserve fund account. The non-bank payment institution aggregates the first amount of digital RMB corresponding to the same payee with the second amount of funds paid through non-digital RMB electronic payment channels, and transfers the first amount of digital RMB and the second amount of funds to the target payee's settlement account in one transaction through the fund transfer system.

[0072] Processor-readable storage media can be any available medium or data storage device that the processor can access, including but not limited to magnetic storage (such as floppy disks, hard disks, magnetic tapes, magneto-optical disks (MOs), etc.), optical storage (such as CDs, DVDs, BDs, HVDs, etc.), and semiconductor storage (such as ROMs, EPROMs, EEPROMs, non-volatile memory (NAND flash), solid-state drives (SSDs)).

[0073] The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the modules can be selected to achieve the purpose of this embodiment according to actual needs. Those skilled in the art can understand and implement this without any creative effort.

[0074] Through the above description of the embodiments, those skilled in the art can clearly understand that each embodiment can be implemented by means of software plus necessary general-purpose hardware platforms, and of course, it can also be implemented by hardware. Based on this understanding, the above technical solutions, in essence or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, magnetic disk, optical disk, etc., including several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute the methods of various embodiments or some parts of embodiments.

[0075] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of this application.

Claims

1. A method for trading digital currencies, characterized in that, Non-bank payment institutions open umbrella accounts at operating institutions. The umbrella account includes a top-level account and multiple sub-accounts attached to the top-level account. The multiple sub-accounts correspond to multiple payees. The method includes: In response to receiving the first amount of digital currency from the target payer to the payee, the operating institution deposits the digital currency into the top-level account corresponding to the non-bank payment institution, and then transfers the digital currency to the target sub-account corresponding to the target payee. The non-bank payment institution sends a payment request instruction to the operating institution, and the operating institution transfers the first amount of digital currency to be settled in the target sub-account to the non-bank payment institution's reserve fund account. The non-bank payment institution aggregates the first amount of digital currency and the second amount of funds paid through non-digital currency electronic payment channels corresponding to the same payee, and then transfers the first amount of digital currency and the second amount of funds to the settlement account of the target payee in one transaction through the fund transfer system.

2. The method according to claim 1, characterized in that, The method further includes: Non-bank payment institutions obtain digital currency statement from the operating institution, verify it against the transaction records in the transaction system, and generate the first statement corresponding to the digital currency transaction. The first statement is merged with the second statement corresponding to the non-digital currency electronic payment channel to generate a merged third statement, which is then imported into the service system.

3. The method according to claim 2, characterized in that, After importing the service system, the method further includes: The service system displays the third statement to the target payee through an interactive page. And / or, The service system pushes the third statement to the target payee via FTP.

4. The method according to any one of claims 1-3, characterized in that, After the funds are transferred to the reserve account of the non-bank payment institution, and before the non-bank payment institution aggregates the first amount of digital currency corresponding to the same payee with the second amount of funds paid through non-digital currency electronic payment channels, the method further includes: Non-bank payment institutions merge the first clearing flow of digital currency corresponding to the target payee with the second clearing flow of non-digital currency electronic payment channels and import them into the settlement system; The non-bank payment institution will aggregate the first amount of digital currency corresponding to the same payee and the second amount of funds paid through non-digital currency electronic payment channels, including: The settlement system aggregates the first amount of digital currency payments corresponding to the same payee and the second amount of funds paid through non-digital currency electronic payment channels.

5. The method according to claim 4, characterized in that, After the funds are transferred to the reserve account of the non-bank payment institution, before the non-bank payment institution merges the first clearing flow of the digital currency corresponding to the target payee with the second clearing flow of the non-digital currency electronic payment channel and imports it into the settlement system, the method further includes: The non-bank payment institution verifies the deposit record of the first amount in the reserve fund account with the first clearing transaction record in the clearing system to complete the deposit confirmation.

6. A transaction system supporting digital currency, characterized in that, Non-bank payment institutions open umbrella accounts at operating institutions. The umbrella account includes a top-level account and multiple sub-accounts attached to the top-level account. The multiple sub-accounts correspond to multiple payees. The system includes: The deposit unit is used to trigger the operating institution to deposit the digital currency into the top-level account corresponding to the non-bank payment institution in response to receiving the first amount of digital currency paid by the target payer to the payee, and then transfer the digital currency to the target sub-account corresponding to the target payee. The request unit is used to trigger the non-bank payment institution to send a request instruction to the operating institution, and to trigger the operating institution to transfer the first amount of digital currency to be settled in the target sub-account to the reserve fund account of the non-bank payment institution. The aggregation unit is used to trigger the non-bank payment institution to aggregate the first amount of digital currency corresponding to the same payee and the second amount of funds paid through the non-digital currency electronic payment channel, and then transfer the first amount of digital currency and the second amount of funds to the settlement account of the target payee in one transaction through the fund transfer system.

7. The system according to claim 6, characterized in that, The system also includes: The bill consolidation unit is used to trigger non-bank payment institutions to perform the following operations: Obtain digital currency transaction statements from operating institutions, verify them against transaction records in the transaction system, and generate a first transaction statement corresponding to the digital currency transactions; then, merge the first transaction statement with a second transaction statement corresponding to non-digital currency electronic payment channels to generate a unified third transaction statement, and import it into the service system.

8. The system according to claim 7, characterized in that, The service system is used for: The third statement is displayed to the target payee via an interactive page; And / or, The third statement of account is sent to the target payee via FTP.

9. The method according to any one of claims 1-3, characterized in that, The system also includes: The clearing and transaction merging unit is used to trigger non-bank payment institutions to perform the following operations: The first clearing flow of digital currency corresponding to the target payee is merged with the second clearing flow of non-digital currency electronic payment channels and then imported into the settlement system. The settlement system is used to aggregate the first amount of digital currency corresponding to the same payee and the second amount of funds paid through non-digital currency electronic payment channels.

10. An electronic device, characterized in that, The electronic device includes a processor and a memory storing a computer program, wherein the processor executes the computer program to implement the transaction method supporting digital currency as described in any one of claims 1-5.

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