CN107369083A - The method and system that a kind of interbank is settled accounts using digital cash - Google Patents

Abstract

The present invention provides a method and system for inter-bank settlement using digital currency, inter-banks can conduct direct settlement through digital currency, save the settlement environment, improve settlement efficiency, improve the flexibility of bank settlement options, and expand the application of digital currency The range is conducive to the promotion of digital currency applications. The method for settlement between banks using digital currency in the present invention includes: the initiating bank system sends a message that the digital currency is paid to the receiving bank to the digital currency system; the digital currency system executes the operation of the preset item according to the message, and sends The result of successful operation is returned to the originating bank system and the receiving bank system, and the operation of the preset item includes transferring the digital currency of the originating bank to the receiving bank.

Description

A method and system for settlement between banks using digital currency

technical field

The present invention relates to the field of computer technology, in particular to a method and system for settlement between banks using digital currency.

Background technique

The current inter-bank fund settlement system is divided into two types: one is the central clearing network, and the other is the transfer clearing network. The central clearing network has a centralized clearing institution, and the direct clearing bank has a settlement account in the clearing institution, which is connected with the clearing institution system to realize message transmission. The clearing institution is responsible for the clearing message processing and fund settlement between direct clearing banks. The transfer settlement network is represented by SWIFT, which is based on interbank accounts between banks for settlement. If two banks do not directly open interbank accounts, they need to indirectly settle through interbank accounts through other banks. The existing inter-bank settlement system lacks point-to-point direct settlement channels, the funds transfer path is long, timeliness is difficult to guarantee, and the cost is high, especially in the cross-border settlement environment. The problems of the existing inter-bank settlement system are more obvious.

In recent years, the upsurge of digital currency has risen, and certain types of digital currency (or "virtual currency") represented by Bitcoin have been first applied in the private sector. Due to the leakage of private keys in this digital currency, currency assets will be stolen The risk that is difficult to recover has no value guarantee, and it will also cause problems such as crimes and financial risks. Therefore, the legal digital currency came into being. The legal digital currency is a digital currency that is guaranteed by the national credit and promoted by the central bank. However, for the existing inter-bank fund settlement network, it is impossible to use digital currency as a settlement tool to realize the integration with the existing fund settlement system. Integration and complementarity enable banks to use the original settlement network for settlement, digital currency for settlement, or a hybrid method for settlement.

In summary, the existing bank liquidation system mainly has the following problems:

1. The existing inter-bank settlement system lacks point-to-point direct settlement channels, especially in the cross-border settlement environment, where funds transfer paths are long, timeliness is difficult to guarantee, and costs are high.

2. On the basis of the existing bank clearing network, digital currency cannot be used as a settlement tool, so that banks can use the original settlement network for settlement, or use digital currency for settlement, or use a mixed method for settlement.

Contents of the invention

In view of this, the present invention provides a method and system for inter-bank settlement using digital currency, which can be used for direct settlement between banks, eliminating the need for a clearing environment, improving settlement efficiency, increasing the flexibility of bank settlement options, and expanding The scope of application of digital currency is conducive to the promotion of digital currency application.

In order to achieve the above purpose, according to one aspect of the present invention, a method for settlement between banks using digital currency is provided.

The method for settlement between banks using digital currency in the present invention includes: the initiating bank system sends a message that the digital currency is paid to the receiving bank to the digital currency system; the digital currency system executes the operation of the preset item according to the message, and sends The result of successful operation is returned to the originating bank system and the receiving bank system, and the operation of the preset item includes transferring the digital currency of the originating bank to the receiving bank.

Optionally, before the step of the originating bank system sending the digital currency payment message to the receiving bank to the digital currency system, the method further includes: the originating bank system determines that the receiving bank can receive the digital currency.

Optionally, the step of the digital currency system transferring the digital currency of the initiating bank to the receiving bank includes: the digital currency system determines the required payment amount from the digital currency of the initiating bank according to the payment amount in the message Digital currency; the digital currency system determines the transfer mode of digital currency according to the relationship between the amount of digital currency to be paid and the payment amount; the digital currency transfer mode includes: direct transfer mode, merged transfer mode, and split Transfer mode: the digital currency system transfers the digital currency to be paid to the receiving bank according to the digital currency transfer mode.

Optionally, before the digital currency system determines the digital currency to be paid from the digital currency of the initiating bank, the digital currency system further includes: the digital currency system determines that the amount of the digital currency of the initiating bank is not less than the payment amount.

Optionally, the step of the digital currency system determining the digital currency transfer mode according to the relationship between the amount of digital currency to be paid and the payment amount includes: Step A: The digital currency system determines the amount of digital currency to be paid Whether it is greater than the payment amount, if so, determine that the transfer mode of the digital currency is a split transfer mode; otherwise, perform step B; step B: the digital currency system judges whether the digital currency to be paid contains digital currency, if so, determine that the transfer mode of digital currency is a combined transfer mode; otherwise, determine that the transfer mode of digital currency is a direct transfer mode.

Optionally, when it is determined that the transfer mode of the digital currency is a direct transfer mode, the step of the digital currency system transferring the digital currency to be paid to the receiving bank according to the digital currency transfer mode includes: The currency system invalidates the determined digital currency that needs to be paid, and simultaneously generates digital currency equal to the amount of the invalidated digital currency; the digital currency system records the owner identification of the generated digital currency as the receiving bank.

Optionally, when it is determined that the transfer mode of the digital currency is a combined transfer mode, the step of the digital currency system transferring the digital currency to be paid to the receiving bank according to the digital currency transfer mode includes: digital currency The system invalidates the determined digital currency that needs to be paid, and generates digital currency equal to the amount of the invalidated digital currency according to the preset matching strategy; the preset matching strategy includes: the least digital currency strategy and the most digital currency strategy; the least The digital currency strategy is: the digital currency system generates digital currency equal to the amount of the invalidated digital currency according to the legal amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency equal to the amount of the invalidated digital currency according to the legal amount from small to large. Digital currency with an equal amount of digital currency; the digital currency system records the owner identification of the generated digital currency as the receiving bank.

Optionally, when it is determined that the transfer mode of the digital currency is a split transfer mode, the step of the digital currency system transferring the digital currency to be paid to the receiving bank according to the digital currency transfer mode includes: The digital currency system invalidates the determined digital currency that needs to be paid; the digital currency system generates digital currency equal to the payment amount, and records the owner identification of the digital currency equal to the payment amount as the receiving bank; the digital currency system calculates The difference between the digital currency to be paid and the payment amount, generating digital currency equal to the difference, and recording the identity of the owner who generated the digital currency equal to the difference as the originating bank.

Optionally, the step of the digital currency system invalidating the determined digital currency that needs to be paid includes: the digital currency system records the status of the determined invalid digital currency as destroyed.

Optionally, the step of the digital currency system generating digital currency equal to the payment amount includes: the digital currency system generates digital currency equal to the payment amount according to a preset matching strategy; the preset matching strategy includes: a minimum number Currency strategy and the most digital currency strategy; the least digital currency strategy is: the digital currency system generates digital currency equal to the payment amount according to the legal amount from large to small; the most digital currency strategy is: the digital currency system uses the legal amount From small to large, digital currency equal to the amount of the payment is generated.

Optionally, the step of the digital currency system generating digital currency equal to the difference includes: the digital currency system generates digital currency equal to the difference according to a preset matching strategy; the preset matching strategy includes: a minimum digital currency strategy and The most digital currency strategy; the least digital currency strategy is: the digital currency system generates digital currency equal to the difference according to the legal amount from large to small; the most digital currency strategy is: the digital currency system increases from small to large according to the legal amount, Generate digital currency equal to said difference.

Optionally, the digital currency is an encrypted string, and the encrypted string includes the amount of the digital currency, an issuer ID, and an owner ID.

According to another aspect of the present invention, a system for settlement between banks using digital currency is provided.

The system for inter-bank settlement using digital currency of the present invention includes: an originating bank system, a digital currency system, and a receiving bank system; wherein, the originating bank system is used to send a message for digital currency payment to a receiving bank to the digital currency system; the digital currency system is used to execute the operation of the preset project according to the payment request message, and return the result of the successful operation to the originating bank system and the receiving bank system, and the operation of the preset project includes The bank's digital currency is transferred to the receiving bank; the receiving bank system is used to receive the successful operation result returned by the digital currency system.

Optionally, the originating bank system is further configured to: determine that the receiving bank can receive digital currency.

Optionally, the digital currency system is further configured to: determine the digital currency to be paid from the digital currency of the initiating bank according to the payment amount in the message; The relationship between the payment amounts determines the transfer mode of digital currency; the digital currency transfer mode includes: direct transfer mode, combined transfer mode, and split transfer mode; according to the digital currency transfer mode, the required payment The digital currency is transferred to the receiving bank.

Optionally, the digital currency system is further configured to: determine that the amount of digital currency of the initiating bank is not less than the payment amount.

Optionally, the digital currency system is also used to determine the transfer mode of digital currency according to the following steps: Step A: judge whether the amount of digital currency to be paid is greater than the payment amount, and if so, determine that the transfer mode of digital currency is dismantling Otherwise, execute Step B; Step B: Determine whether the digital currency to be paid contains digital currency that can be combined into a legal amount, and if so, determine that the digital currency transfer mode is the combined transfer mode; otherwise, determine the digital currency The transfer mode of currency is direct transfer mode.

Optionally, in the case where it is determined that the transfer mode of the digital currency is a direct transfer mode, the digital currency system is further configured to: invalidate the determined digital currency that needs to be paid, and generate an amount equal to the amount of the invalidated digital currency digital currency; record the owner identification of the generated digital currency as the receiving bank.

Optionally, when it is determined that the transfer mode of the digital currency is a combined transfer mode, the digital currency system is further configured to: invalidate the determined digital currency that needs to be paid, and generate and invalidate according to a preset matching strategy The digital currency with the same amount of digital currency; the preset matching strategy includes: the least digital currency strategy and the most digital currency strategy; the least digital currency strategy is: according to the legal amount from large to small, generate the same amount as the invalid digital currency Equal digital currency; the most digital currency strategy is: according to the legal amount from small to large, generate digital currency equal to the amount of the invalid digital currency; record the owner identification of the generated digital currency as the receiving bank.

Optionally, when it is determined that the transfer mode of the digital currency is a split transfer mode, the digital currency system is also used to: invalidate the determined digital currency that needs to be paid; generate a payment equal to the payment amount digital currency, and record the identity of the owner of the digital currency equal to the payment amount as the receiving bank; calculate the difference between the digital currency that needs to be paid and the payment amount, generate digital currency equal to the difference, and send The identity of the owner who generated the digital currency equivalent to the difference is recorded as the originating bank.

Optionally, the digital currency system is further configured to: record the state of the determined void digital currency as destroyed.

Optionally, the digital currency system is also used to: generate digital currency equal to the payment amount according to a preset matching strategy; the preset matching strategy includes: the least digital currency strategy and the most digital currency strategy; the least digital currency The strategy is: generate digital currency equal to the payment amount according to the legal amount from large to small; the most digital currency strategy is: generate digital currency equal to the payment amount according to the legal amount from small to large.

Optionally, the digital currency system is also used to: generate digital currency equivalent to the difference according to a preset matching strategy; the preset matching strategy includes: a minimum digital currency strategy and a maximum digital currency strategy; the least digital currency strategy Yes: According to the legal amount from large to small, generate digital currency equal to the difference; the most digital currency strategy is: according to the legal amount from small to large, generate digital currency equal to the difference.

Optionally, the digital currency is an encrypted string, and the encrypted string includes the amount of the digital currency, an issuer ID, and an owner ID.

According to still another aspect of the present invention, a computer-readable storage medium is provided.

In the computer-readable storage medium of the present invention, computer instructions are stored in the computer-readable storage medium, and it is characterized in that the computer instructions can be executed by a computer or a computer system, so that the computer or computer system can execute the present invention. Provides a method for settlement between banks using digital currency.

According to the technical solution of the embodiment of the present invention, due to the addition of digital currency settlement methods, digital currency can be used for point-to-point settlement, making the settlement path short and time-sensitive, especially in cross-border settlement, which can improve bank settlement efficiency and reduce cost; on the other hand, the integration of the traditional inter-bank settlement method and the digital currency settlement method does not increase the burden on the bank, does not force the payee and payer to accept digital currency, improves the flexibility of bank settlement options, and expands the scope of digital currency. The scope of application is conducive to the promotion of digital currency applications.

The further effects of the above-mentioned non-conventional alternatives will be described below in conjunction with specific embodiments.

Description of drawings

The accompanying drawings are used to better understand the present invention, and do not constitute improper limitations to the present invention. in:

Fig. 1 is a schematic diagram of a method for settlement between banks using digital currency according to an embodiment of the present invention;

Fig. 2 is a schematic diagram of a system for settlement between banks using digital currency according to an embodiment of the present invention.

detailed description

Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

In the technical solution of the embodiment of the present invention, it involves the process that the initiating bank pays the digital currency to the receiving bank, wherein the initiating bank refers to the initiator who pays the digital currency, and the initiating bank system is the computer system for the initiating bank to process transactions; the receiving bank means the recipient of a digital currency, the receiving bank system being the computer system of the receiving bank that processes the transaction; reference to a digital currency is an encrypted string that includes the amount of said digital currency, the identity of the issuer and the owner logo. The specific technical scheme is as follows.

Fig. 1 is a schematic diagram of a method for inter-bank settlement using digital currency according to an embodiment of the present invention. As shown in FIG. 1 , a method for settlement between banks using digital currency according to an embodiment of the present invention mainly includes steps S10 to S11 .

Step S10: The originating bank system sends the digital currency payment message to the receiving bank to the digital currency system. In this step, the initiating bank refers to the bank that needs to pay digital currency; the receiving bank refers to the bank that receives the digital currency paid by the initiating bank.

Before step S10, before the initiating bank system sends the digital currency payment message to the receiving bank to the digital currency system, it needs to determine that the receiving bank can also receive digital currency.

Step S11: The digital currency system executes the operation of the preset item according to the message, and returns the result of the successful operation to the originating bank system and the receiving bank system. The operation of the preset item includes transferring the digital currency of the originating bank to the receiving bank. In step S11, the specific steps for the digital currency system to transfer the digital currency of the originating bank to the receiving bank include steps S111 to S113.

Step S111: The digital currency system determines the digital currency to be paid from the digital currency of the originating bank according to the payment amount in the message. In this step, before the digital currency system determines the digital currency to be paid from the digital currency of the initiating bank, it first judges whether the amount of the digital currency of the initiating bank is not less than the payment amount, and if so, proceeds to the subsequent steps; Otherwise, information indicating non-payment is returned to the originating banking system.

Step S112: The digital currency system determines the digital currency transfer mode according to the relationship between the amount of digital currency to be paid and the payment amount. Among them, the mentioned digital currency transfer mode includes: direct transfer mode, merged transfer mode, and split transfer mode; on the basis of determining that the amount of digital currency to be paid in step S111 is not less than the payment amount, in step S112 , the relationship between the amount of digital currency that needs to be paid and the payment amount includes: the amount of digital currency that needs to be paid is greater than the payment amount and the amount of digital currency that needs to be paid is equal to the payment amount. Therefore, the transfer mode of digital currency is determined The specific steps are as follows:

Step A: The digital currency system judges whether the amount of digital currency to be paid is greater than the payment amount, and if so, determines that the digital currency transfer mode is a split transfer mode; otherwise, execute step B;

Step B: The digital currency system judges whether the digital currency to be paid contains digital currency that can be combined into a legal amount, and if so, determines that the transfer mode of digital currency is the combined transfer mode; otherwise, determines that the transfer mode of digital currency is direct transfer model.

Step S113: The digital currency system transfers the digital currency to be paid to the receiving bank according to the digital currency transfer mode. When it is determined that the transfer mode of the digital currency is the direct transfer mode, the digital currency system will invalidate the determined digital currency that needs to be paid (that is, record the state of the digital currency that is determined to be invalid as destroyed), and simultaneously generate a The digital currency with an equal amount of digital currency is invalidated, and the owner identification of the generated digital currency is recorded as the receiving bank. For example, the payment amount of the digital currency payment message to the receiving bank is 150, and the digital currency determined by the digital currency system to be paid is a digital currency with a currency value of 100 and a digital currency with a currency value of 50, and then the digital currency The system invalidates the determined digital currency, and then generates a digital currency with a currency value of 100 and a currency value of 50, and records the owner identification of the generated digital currency as the receiving bank, wherein, although the currency value of the generated digital currency is the same as The currency value of the invalidated digital currency is the same, but the digital currency and the invalidated digital currency are different encrypted strings. After the digital currency system completes the currency transfer in this mode, it will return the result of the successful operation to the originating banking system and the clearing banking system; where the successful operation result includes the operation result returned to the originating banking system and the operation returned to the receiving banking system Result; the operation result returned to the receiving bank system includes the transferred digital currency and information of the originating bank, etc.; the operation result returned to the originating bank system includes the payment execution result information.

When it is determined that the transfer mode of the digital currency is a combined transfer mode, the digital currency system will invalidate the determined digital currency that needs to be paid (that is, record the state of the digital currency that is determined to be invalid as destroyed), according to the preset matching The policy generates digital currency equal to the amount of the invalidated digital currency; the digital currency system records the owner identification of the generated digital currency as the receiving bank. Wherein, the preset matching strategy includes: the least digital currency strategy and the most digital currency strategy; the least digital currency strategy is: the digital currency system generates digital currency equal to the amount of the invalid digital currency according to the legal amount from large to small; When the most digital currency strategy is used, the digital currency system generates digital currency equal to the amount of the invalid digital currency according to the legal amount from small to large. Combined transfer mode, that is, the digital currency to be paid determined by the digital currency system includes digital currency that can be combined into a legal amount. For example, the digital currency to be paid determined by the digital currency system is a digital currency with a currency value of 100, and two A digital currency with a currency value of 10, and the payment amount in the payment request message is 120, then two digital currencies with a currency value of 10 included in the determined digital currency to be paid can be synthesized into a digital currency with a currency value of 20 , therefore, the digital currency system first voids the determined digital currency that needs to be paid, and then generates a digital currency with a currency value of 100 and a digital currency with a currency value of 20, and records the owner identification of the generated digital currency as the receiving bank . In the process of generating digital currency, the digital currency system can generate digital currency according to the least digital currency strategy and the most digital currency strategy; for example, when the amount of digital currency to be generated is 120, according to the legal amount from large to small, a A digital currency with a currency value of 100 and a digital currency with a currency value of 20; when the preset matching strategy is the most digital currency strategy, the digital currency system generates digital currency equal to the amount of the invalidated digital currency according to the legal amount from small to large, For example, if the amount of digital currency to be generated is 5, then, according to the maximum digital currency strategy, 5 digital currencies with a currency value of 1 are generated. After the digital currency system completes the currency transfer in this mode, it will return the result of the successful operation to the originating banking system and the clearing banking system; where the successful operation result includes the operation result returned to the originating banking system and the operation returned to the receiving banking system Result; the operation result returned to the receiving bank system includes the transferred digital currency and information of the originating bank, etc.; the operation result returned to the originating bank system includes the payment execution result information.

When it is determined that the transfer mode of the digital currency is a split transfer mode, the step of transferring the digital currency to be paid by the digital currency system to the receiving bank according to the digital currency transfer mode includes: the digital currency system will The determined digital currency that needs to be paid is voided, then a digital currency equal to the payment amount is generated, and the owner identification of the digital currency equal to the payment amount is recorded as the receiving bank, and finally, the digital currency that needs to be paid is calculated The difference between the amount of payment and the amount of payment, generating a digital currency equal to the difference, and recording the identity of the owner who generated the digital currency equal to the difference as the originating bank. In this mode, for example, the payment amount is 120, and the digital currency to be paid determined by the digital currency system is a digital currency with a currency value of 100 and a digital currency with a currency value of 50. At this time, the determined digital currency amount is greater than the payment amount, therefore, the digital currency system invalidates the determined digital currency with a currency value of 100 and a currency value of 50, and then generates a digital currency equal to the payment amount according to a preset matching strategy (that is, a digital currency with a currency value of 120 , taking the minimum digital currency strategy as an example, that is, generating a digital currency with a currency value of 100 and a digital currency with a currency value of 20, and recording the owner identification of the generated digital currency as the receiving bank), and then calculating the required payment The difference between the digital currency and the payment amount (the difference in this example is 30), the digital currency system generates digital currency equal to the difference according to the preset matching strategy (taking the least digital currency strategy as an example, that is, generating a A digital currency with a currency value of 20 and a digital currency with a currency value of 10, and the owner identification of the generated digital currency is recorded as the originating bank). After the digital currency system completes the currency transfer in this mode, it will return the result of the successful operation to the originating banking system and the receiving banking system; where the successful operation result includes the operation result returned to the originating banking system and the operation returned to the receiving banking system Result; the operation result returned to the receiving bank system includes the digital currency equal to the payment amount and the information of the originating bank; the operation result returned to the originating bank system includes the digital currency equal to the difference and the execution result information of the payment.

Fig. 2 is a schematic diagram of a system for settlement between banks using digital currency according to an embodiment of the present invention. As shown in Fig. 2, the system 20 of inter-bank settlement using digital currency in the embodiment of the present invention mainly includes: an originating banking system 21, a digital currency system 22, and a receiving banking system 23; The message to the receiving bank is sent to the digital currency system; the digital currency system 22 is used to perform the operation of the preset item according to the payment request message, and return the result of the successful operation to the originating bank system 21 and the receiving bank system 23, The operations of the preset items include transferring the digital currency of the originating bank to the receiving bank; the receiving bank system 23 is used to receive the operation success result returned by the digital currency system 22 .

The originating bank system 21 of the system 20 for inter-bank settlement using digital currency can also be used to: determine that the receiving bank can receive digital currency.

The digital currency system 22 of the system 20 that uses digital currency for settlement between banks can also be used to: determine the digital currency that needs to be paid from the digital currency of the originating bank according to the payment amount in the message; The relationship between the amount of digital currency and the payment amount determines the transfer mode of digital currency; the digital currency transfer mode includes: direct transfer mode, combined transfer mode, and split transfer mode; according to the digital currency transfer mode The digital currency that needs to be paid is transferred to the receiving bank.

The digital currency system 22 of the inter-bank settlement system 20 using digital currency can also be used to: determine that the amount of digital currency of the initiating bank is not less than the payment amount.

The digital currency system 22 of the system 20 for inter-bank settlement using digital currency can also be used to determine the transfer mode of digital currency according to the following steps:

Step A: Determine whether the amount of digital currency to be paid is greater than the payment amount, and if so, determine that the digital currency transfer mode is a split transfer mode; otherwise, perform step B;

Step B: Determine whether the digital currency to be paid includes digital currency that can be combined into a legal amount, and if so, determine that the transfer mode of digital currency is a consolidated transfer mode; otherwise, determine that the transfer mode of digital currency is a direct transfer mode.

When it is determined that the transfer mode of the digital currency is a direct transfer mode, the digital currency system 22 of the system 20 for inter-bank settlement using digital currency can also be used to: invalidate the determined digital currency that needs to be paid, and simultaneously generate and invalidate Digital currency with an equal amount of digital currency; record the owner identification of the generated digital currency as the receiving bank.

In the case of determining that the transfer mode of the digital currency is a consolidated transfer mode, the digital currency system 22 of the system 20 for inter-bank settlement using digital currency can also be used to: invalidate the determined digital currency that needs to be paid, according to the preset The matching strategy generates digital currency equal to the amount of invalidated digital currency; the preset matching strategy includes: the least digital currency strategy and the most digital currency strategy; the least digital currency strategy is: according to the legal amount from large to small, generate and The digital currency with the same amount of the invalid digital currency; the most digital currency strategy is: according to the legal amount from small to large, generate digital currency equal to the amount of the invalid digital currency; record the owner identification of the generated digital currency as the Receiving bank.

In the case that the transfer mode of the digital currency is determined to be a split transfer mode, the digital currency system 22 of the system 20 using digital currency for settlement between banks can also be used to: invalidate the determined digital currency that needs to be paid; generate and The digital currency equal to the payment amount, and the owner identification of the digital currency equal to the payment amount is recorded as the receiving bank; the difference between the digital currency that needs to be paid and the payment amount is calculated, and an amount equal to the difference is generated. digital currency, and record the identity of the owner who generated the digital currency equal to the difference as the originating bank.

The digital currency system 22 of the inter-bank settlement system 20 using digital currency can also be used to: record the status of the invalidated digital currency as destroyed.

The digital currency system 22 of the system 20 using digital currency for settlement between banks can also be used to: generate digital currency equal to the payment amount according to a preset matching strategy; the preset matching strategy includes: the least digital currency strategy and the most digital currency strategy Currency strategy; the least digital currency strategy is: according to the legal amount from large to small, generate digital currency equal to the payment amount; the most digital currency strategy is: according to the legal amount from small to large, generate digital currency equal to the payment amount digital currency.

The digital currency system 22 of the system 20 using digital currency for settlement between banks can also be used to: generate digital currency equivalent to the difference according to a preset matching strategy; the preset matching strategy includes: a minimum digital currency strategy and a maximum digital currency strategy strategy; the minimum digital currency strategy is: according to the legal amount from large to small, generate digital currency equal to the difference; the most digital currency strategy is: according to the legal amount from small to large, generate digital currency equal to the difference .

According to the technical solution of the embodiment of the present invention, banks can conduct direct settlement through digital currency, save the clearing environment, improve settlement efficiency, improve the flexibility of bank settlement options, expand the application range of digital currency, and facilitate the application and promotion of digital currency .

The above specific implementation methods do not constitute a limitation to the protection scope of the present invention. It should be apparent to those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent replacements and improvements made within the spirit and principles of the present invention shall be included within the protection scope of the present invention.

Claims (25)

1. A method for settlement between banks using digital currency, characterized in that it includes: The initiating bank system sends the digital currency payment message to the receiving bank to the digital currency system; The digital currency system executes the operation of the preset item according to the message, and returns the result of the successful operation to the originating bank system and the receiving bank system. The operation of the preset item includes transferring the digital currency of the originating bank to the receiving bank . 2. The method according to claim 1, characterized in that, before the step of sending the digital currency payment message to the receiving bank by the initiating bank system to the digital currency system, further comprising: the initiating bank system determining the Receiving banks can receive digital currency. 3. The method according to claim 1, wherein the digital currency system transfers the digital currency of the originating bank to the receiving bank by the digital currency system comprising: The digital currency system determines the digital currency to be paid from the digital currency of the originating bank according to the payment amount in the message; The digital currency system determines the digital currency transfer mode according to the relationship between the amount of digital currency to be paid and the payment amount; the digital currency transfer mode includes: direct transfer mode, combined transfer mode, and split transfer mode; The digital currency system transfers the digital currency to be paid to the receiving bank according to the digital currency transfer mode. 4. The method according to claim 3, characterized in that before the step of determining the digital currency to be paid by the digital currency system from the digital currency of the initiating bank, further comprising: The digital currency system determines that the amount of the originating bank's digital currency is not less than the payment amount. 5. The method according to claim 4, wherein the digital currency system determines the digital currency transfer mode according to the relationship between the amount of digital currency to be paid and the payment amount, comprising: Step A: The digital currency system judges whether the amount of digital currency to be paid is greater than the payment amount, and if so, determines that the digital currency transfer mode is a split transfer mode; otherwise, execute step B; Step B: The digital currency system judges whether the digital currency to be paid contains digital currency that can be combined into a legal amount, and if so, determines that the transfer mode of digital currency is the combined transfer mode; otherwise, determines that the transfer mode of digital currency is direct transfer model. 6. The method according to claim 5, wherein when it is determined that the transfer mode of the digital currency is a direct transfer mode, the digital currency system transfers the required payment according to the digital currency transfer mode The steps involved in transferring digital currency to the receiving bank include: The digital currency system invalidates the determined digital currency that needs to be paid, and at the same time generates digital currency equal to the amount of the invalidated digital currency; The digital currency system records the owner identification of the generated digital currency as the receiving bank. 7. The method according to claim 5, wherein when it is determined that the transfer mode of the digital currency is a combined transfer mode, the digital currency system transfers the required payment according to the digital currency transfer mode The steps involved in transferring digital currency to the receiving bank include: The digital currency system invalidates the determined digital currency that needs to be paid, and generates digital currency equal to the amount of the invalidated digital currency according to the preset matching strategy; the preset matching strategy includes: the least digital currency strategy and the most digital currency strategy; The minimum digital currency strategy is: the digital currency system generates digital currency equal to the amount of the invalidated digital currency according to the legal amount from large to small; the most digital currency strategy is: the digital currency system generates digital currency equal to the amount of the invalid digital currency according to the legal amount Digital currency equal to the amount of the invalidated digital currency; The digital currency system records the owner identification of the generated digital currency as the receiving bank. 8. The method according to claim 5, wherein, when it is determined that the transfer mode of the digital currency is a split transfer mode, the digital currency system transfers the required payment according to the digital currency transfer mode The steps to transfer the digital currency to the receiving bank include: The digital currency system will invalidate the determined digital currency that needs to be paid; The digital currency system generates digital currency equal to the amount of said payment, and records the identification of the owner of the digital currency equal to the payment amount as the receiving bank; The digital currency system calculates the difference between the digital currency to be paid and the payment amount, generates digital currency equal to the difference, and records the identity of the owner who generates the digital currency equal to the difference as the originating bank. 9. The method according to any one of claims 6 to 8, characterized in that the step of the digital currency system invalidating the determined digital currency that needs to be paid comprises: the digital currency records the status of the determined invalid digital currency for destruction. 10. The method according to claim 8, characterized in that the step of the digital currency system generating digital currency equal to the payment amount comprises: the digital currency system generating digital currency equal to the payment amount according to a preset matching strategy The preset matching strategy includes: the least digital currency strategy and the most digital currency strategy; the least digital currency strategy is: the digital currency system generates digital currency equal to the payment amount according to the legal amount from large to small; The digital currency strategy is: the digital currency system generates digital currency equal to the payment amount according to the legal amount from small to large. 11. The method according to claim 8, characterized in that the step of the digital currency system generating digital currency equal to the difference comprises: the digital currency system generates digital currency equal to the difference according to a preset matching strategy; The preset matching strategy includes: the least digital currency strategy and the most digital currency strategy; the least digital currency strategy is: the digital currency system generates digital currency equal to the difference according to the legal amount from large to small; the most digital currency strategy is: digital The currency system generates a digital currency equal to the difference according to the legal amount from small to large. 12. The method according to any one of claims 1 to 8, wherein the digital currency is an encrypted string, and the encrypted string includes the amount of the digital currency, an issuer ID and an owner ID. 13. A system for inter-bank settlement using digital currency, comprising: an originating banking system, a digital currency system, and a receiving banking system; Wherein, the initiating bank system is used to send the digital currency payment message to the receiving bank to the digital currency system; The digital currency system is used to execute the operation of the preset item according to the payment request message, and return the result of successful operation to the originating bank system and the receiving bank system, and the operation of the preset item includes the operation of the originating bank The digital currency is transferred to the receiving bank; The receiving bank system is used to receive the successful operation result returned by the digital currency system. 14. The system according to claim 13, wherein the originating bank system is further configured to: determine that the receiving bank can receive digital currency. 15. The system according to claim 13, wherein the digital currency system is also used for: According to the payment amount in the message, determine the digital currency to be paid from the digital currency of the originating bank; Determine the digital currency transfer mode according to the relationship between the amount of digital currency to be paid and the payment amount; the digital currency transfer mode includes: direct transfer mode, merged transfer mode, and split transfer mode; The digital currency to be paid is transferred to the receiving bank according to the digital currency transfer mode. 16. The system according to claim 15, wherein the digital currency system is also used for: It is determined that the amount of digital currency of the initiating bank is not less than the payment amount. 17. The system according to claim 16, wherein the digital currency system is also used to determine the transfer mode of digital currency according to the following steps: Step A: Determine whether the amount of digital currency to be paid is greater than the payment amount, and if so, determine that the digital currency transfer mode is a split transfer mode; otherwise, perform step B; Step B: Determine whether the digital currency to be paid includes digital currency that can be combined into a legal amount, and if so, determine that the transfer mode of digital currency is a consolidated transfer mode; otherwise, determine that the transfer mode of digital currency is a direct transfer mode. 18. The system according to claim 17, wherein when it is determined that the transfer mode of the digital currency is a direct transfer mode, the digital currency system is further used for: Invalidate the determined digital currency that needs to be paid, and generate digital currency equal to the amount of the invalidated digital currency; The owner identification of the generated digital currency is recorded as the receiving bank. 19. The system according to claim 17, wherein when it is determined that the transfer mode of the digital currency is a combined transfer mode, the digital currency system is further used for: The determined digital currency that needs to be paid is invalidated, and the digital currency equal to the amount of the invalidated digital currency is generated according to the preset matching strategy; the preset matching strategy includes: the least digital currency strategy and the most digital currency strategy; the least number The currency strategy is: according to the legal amount from large to small, generate digital currency equal to the amount of the invalid digital currency; the most digital currency strategy is: according to the legal amount from small to large, generate digital currency equal to the amount of the invalid digital currency ; The owner identification of the generated digital currency is recorded as the receiving bank. 20. The system according to claim 17, wherein when it is determined that the transfer mode of the digital currency is a split transfer mode, the digital currency system is further used for: Invalidate the determined digital currency that needs to be paid; generate digital currency equal to said payment amount, and record the identification of the owner of digital currency equal to the payment amount as the receiving bank; Calculate the difference between the digital currency to be paid and the payment amount, generate digital currency equal to the difference, and record the identity of the owner of the generated digital currency equal to the difference as the originating bank. 21. The system according to any one of claims 18 to 20, the digital currency system is further configured to: record the status of the determined voided digital currency as destroyed. 22. The system according to claim 20, wherein the digital currency system is also used to: generate digital currency equal to the payment amount according to a preset matching strategy; the preset matching strategy includes: a minimum digital currency strategy and the most digital currency strategy; the least digital currency strategy is: according to the legal amount from large to small, generate digital currency equal to the payment amount; when the most digital currency strategy, according to the legal amount from small to large, generate a digital currency equal to the said payment amount A digital currency in which the payment amount is equal. 23. The system according to claim 20, wherein the digital currency system is also used for: generating digital currency equivalent to the difference according to a preset matching strategy; the preset matching strategy includes: a minimum digital currency strategy and The most digital currency strategy; for the least digital currency strategy, generate digital currency equal to the difference according to the legal amount from large to small; for the most digital currency strategy, generate digital currency equal to the difference according to the legal amount from small to large digital currency. 24. The system according to any one of claims 13 to 20, wherein the digital currency is an encrypted string, and the encrypted string includes the amount of the digital currency, the issuer ID and the owner ID . 25. A computer-readable storage medium, wherein computer instructions are stored in the computer-readable storage medium, wherein the computer instructions can be executed by a computer or a computer system, so that the computer or computer system can execute the claims The method described in any one of 1 to 12.