阅读说明：本技术 基于区块链的数字人民币支付方法、装置、终端及介质 (Block chain-based digital RMB payment method, device, terminal and medium ) 是由 肖光昱 于 2021-08-09 设计创作，主要内容包括：本发明公开了一种基于区块链的数字人民币支付方法、装置、终端及介质,通过终端设备搭建自定义区块链平台,并将所述自定义区块链平台与贸易金融区块链平台进行数据连通；获取所述贸易金融区块链平台上多方实体的贸易数据,并将所述贸易数据汇总至所述自定义区块链平台；根据所述贸易数据在所述自定义区块链平台建立对应的数字钱包,以利用所述数字钱包进行交易支付。在本发明技术方案中,由于企业可在上述自定义区块链平台上通过数字钱包以点对点的形式完成资金支付,无需经过银行等第三方平台完成资金交易清算过程,如此,本发明能够提高企业在投资活动和买卖交易中的交易效率,从而提升经济效益。(The invention discloses a block chain-based digital RMB payment method, a device, a terminal and a medium, wherein a user-defined block chain platform is established through terminal equipment, and the user-defined block chain platform is in data communication with a trade gold block chain platform; acquiring trade data of a plurality of entities on the trade golden block chain platform, and summarizing the trade data to the user-defined block chain platform; and establishing a corresponding digital wallet on the user-defined block chain platform according to the trade data so as to utilize the digital wallet to carry out transaction payment. In the technical scheme of the invention, because the enterprise can complete fund payment in a point-to-point mode through the digital wallet on the self-defined block chain platform and does not need to complete a fund transaction clearing process through a third party platform such as a bank and the like, the invention can improve the transaction efficiency of the enterprise in investment activities and business transactions, thereby improving the economic benefit.)

1. A block chain-based digital RMB payment method is characterized by comprising the following steps:

building a user-defined block chain platform, and carrying out data communication on the user-defined block chain platform and a trade gold block chain platform;

acquiring trade data of a plurality of entities on the trade golden block chain platform, and summarizing the trade data to the user-defined block chain platform;

and establishing a corresponding digital wallet on the user-defined block chain platform according to the trade data so as to utilize the digital wallet to carry out transaction payment.

2. The blockchain-based digital rmb payment method of claim 1, wherein the step of making a transaction payment using the digital wallet comprises:

verifying the trade data to obtain a verification result;

and executing fund payment between the digital wallets according to the verification result.

3. The blockchain-based digital rmb payment method of claim 1, wherein the step of establishing a corresponding digital wallet at the custom blockchain platform according to the trade data comprises:

forming a public digital wallet at the custom blockchain platform according to the trade data;

the pair of public digital wallets is split into a plurality of sub-digital wallets.

4. The blockchain-based digital renminbi payment method of claim 3, further comprising, after the step of splitting the pair of digital wallets into a plurality of sub-digital wallets:

setting a controllable payment mode aiming at the sub-digital wallet, wherein the controllable payment mode comprises the following steps: controlled anonymous payments, controlled limit payments, and controlled directional payments.

5. The blockchain-based digital rmb payment method of claim 1, after the step of obtaining trade data of multiple entities on a trade fund blockchain platform and aggregating the trade data to the custom blockchain platform, comprising:

and providing cooperative technical support among the plurality of parties according to the trade data.

6. The blockchain-based digital rmb payment method of claim 5, wherein the collaborative technical support includes: device cooperation technical support, process cooperation technical support and fund cooperation technical support,

the step of providing collaborative technical support between the plurality of parties according to the trade data comprises:

providing device collaboration technical support among the entity parties according to the trade data;

providing process coordination technical support for production, supply and sale among the plurality of parties to the entity based on the trade data; and/or the presence of a gas in the gas,

and providing fund cooperation technical support among the entities according to the trade data.

7. The blockchain-based digital rmb payment method of claim 1, further comprising, after the step of obtaining trade data for multiple parties to the entity on the trade fund blockchain platform and aggregating the trade data to the custom blockchain platform:

analyzing the trade data to obtain an analysis result;

and sending the analysis result to the multi-party entity so that the multi-party entity can carry out digital operation based on the analysis result.

8. A block chain-based digital rmb payment apparatus, comprising:

the building module is used for building a user-defined block chain platform and communicating the user-defined block chain platform with the trade gold melt block chain platform in a data mode;

the acquisition module is used for acquiring the trade data of the multi-party entity on the trade golden block chain platform and summarizing the trade data to the user-defined block chain platform;

and the establishing module is used for establishing a corresponding digital wallet on the user-defined block chain platform according to the trade data so as to utilize the digital wallet to carry out transaction payment.

9. A terminal device, characterized in that the terminal device comprises: memory, a processor and a blockchain based digital rmb payment program stored on the memory and executable on the processor, which when executed by the processor implements the steps of the blockchain based digital rmb payment method according to any one of claims 1 to 7.

10. A storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the blockchain-based digital renminbi payment method according to any one of claims 1 to 7.

Technical Field

The invention relates to the technical field of terminals, in particular to a block chain-based digital RMB payment method, a block chain-based digital RMB payment device, a block chain-based digital RMB payment terminal and a block chain-based digital RMB payment medium.

Background

With the development of business activities, enterprises have involved in clearing funds in several links involved in production management. Although there exist many payment methods in the market, the capital payment method of enterprises in investment activities and sales transactions is mainly cash payment or bank transfer payment.

However, these fund payment methods mainly involve that two parties of an investment transaction make a delivery of bank deposits through a banking system or make a delivery face to face, and both of them need to be completed on a platform or off-line, which causes inconvenience in receiving the delivery and makes it difficult to achieve multiple-link delivery of a transaction chain.

On the basis, a fund payment mode is needed to improve the transaction efficiency of enterprises in investment activities and trading transactions, so that the economic benefit is improved.

Disclosure of Invention

The invention mainly aims to provide a block chain-based digital RMB payment method, a block chain-based digital RMB payment device, a block chain-based digital RMB payment terminal and a block chain-based digital RMB payment medium, which aim to improve the transaction efficiency of enterprises in investment activities and trading transactions so as to improve the economic benefit.

In order to achieve the above object, the present invention provides a block chain-based digital rmb payment method, which includes the following steps:

building a user-defined block chain platform, and carrying out data communication on the user-defined block chain platform and a trade gold block chain platform;

acquiring trade data of a plurality of entities on the trade golden block chain platform, and summarizing the trade data to the user-defined block chain platform;

and establishing a corresponding digital wallet on the user-defined block chain platform according to the trade data so as to utilize the digital wallet to carry out transaction payment.

Further, the step of making a payment for the transaction using the digital wallet includes:

verifying the trade data to obtain a verification result;

and executing fund payment between the digital wallets according to the verification result.

Further, the step of establishing a corresponding digital wallet on the custom blockchain platform according to the trade data includes:

forming a plurality of public digital wallets in the custom blockchain platform according to the trade data;

the pair of public digital wallets is split into a plurality of sub-digital wallets.

Further, after the step of splitting the pair of public digital wallets into a plurality of sub-digital wallets, comprising:

and setting a controllable payment mode for the sub-digital wallet, wherein the controllable payment mode comprises controllable anonymous payment, controllable limit payment and controllable directional payment.

Further, after the step of obtaining the trade data of the multi-party entity on the trade financing block chain platform and summarizing the trade data to the user-defined block chain platform, the method includes:

and providing cooperative technical support among the plurality of parties according to the trade data.

Further, the collaboration support technology comprises: device cooperation technical support, process cooperation technical support and fund cooperation technical support,

the step of providing collaborative technical support between the plurality of parties according to the trade data comprises:

providing device collaboration technical support among the entity parties according to the trade data; providing process coordination technical support for production, supply and sale among the plurality of parties to the entity based on the trade data; and/or the presence of a gas in the gas,

and providing fund cooperation technical support among the entities according to the trade data.

Further, after the step of obtaining the trade data of the plurality of entities on the trade financing block chain platform and summarizing the trade data to the user-defined block chain platform, the method further includes:

analyzing the trade data to obtain an analysis result;

and sending the analysis result to the multi-party entity so that the multi-party entity can carry out digital operation based on the analysis result.

In addition, to achieve the above object, the present invention also provides a block chain-based digital rmb payment apparatus, including:

the building module is used for building a user-defined block chain platform and communicating the user-defined block chain platform with the trade gold melt block chain platform in a data mode;

the acquisition module is used for acquiring the trade data of the multi-party entity on the trade golden block chain platform and summarizing the trade data to the user-defined block chain platform;

and the establishing module is used for establishing a corresponding digital wallet on the user-defined block chain platform according to the trade data so as to utilize the digital wallet to carry out transaction payment.

The method comprises the step of realizing the digital RMB payment method based on the block chain when each functional module of the digital RMB payment device based on the block chain runs.

In addition, to achieve the above object, the present invention also provides a terminal device, including: the system comprises a memory, a processor and a block chain based digital RMB payment program stored on the memory and capable of running on the processor, wherein the block chain based digital RMB payment program realizes the steps of the block chain based digital RMB payment method as the above when being executed by the processor.

In addition, to achieve the above object, the present invention further provides a storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of the block chain based digital rmb payment method as described above.

In addition, an embodiment of the present invention further provides a computer program product, where the computer program product includes a block chain-based digital rmb payment program, and when the block chain-based digital rmb payment program is executed by a processor, the steps of the block chain-based digital rmb payment method are implemented.

The steps implemented when the block chain-based digital rmb payment program running on the processor is executed may refer to various embodiments of the block chain-based digital rmb payment method of the present invention, and are not described herein again.

According to the digital RMB payment method, the device, the terminal and the medium based on the block chain, a user-defined block chain platform is built through the terminal, and the user-defined block chain platform is in data communication with a trade gold block chain platform; acquiring trade data of a plurality of entities on the trade golden block chain platform, and summarizing the trade data to the user-defined block chain platform; and establishing a corresponding digital wallet on the user-defined block chain platform according to the trade data so as to utilize the digital wallet to carry out transaction payment.

The invention builds a self-defined block chain platform by adopting technologies such as point-to-point network design based on a block chain, encryption technology application, realization of distributed algorithm, data storage technology and the like through a terminal, then the self-defined block chain platform is in data communication with a trade financial block chain platform built by central line research, trade data of other multi-party entities are obtained from the trade financial block chain platform, and the trade data is gathered to the self-defined block chain platform, so that an application layer business platform technology with multi-party participation of the entities is built on the self-defined block chain platform, and a plurality of corresponding digital wallets are built for the multi-party entities, so as to meet the capital payment clearing requirements of investment or transaction among the multi-party entities.

In the technical scheme of the invention, because the enterprise can complete fund payment in a point-to-point mode through the digital wallet on the self-defined block chain platform and does not need to complete a fund transaction clearing process through a third party platform such as a bank and the like, the invention can improve the transaction efficiency of the enterprise in investment activities and business transactions, thereby improving the economic benefit.

Drawings

Fig. 1 is a schematic structural diagram of a hardware operating environment of a terminal device according to an embodiment of the present invention;

FIG. 2 is a schematic flow chart of an embodiment of a block chain-based digital RMB payment method according to the present invention;

FIG. 3 is a detailed flow chart of an embodiment of the block chain-based digital RMB payment method of the present invention;

fig. 4 is a schematic diagram of a block chain-based digital rmb payment device according to the present invention.

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

Detailed Description

It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

As shown in fig. 1, fig. 1 is a schematic structural diagram of a hardware operating environment related to a terminal device according to an embodiment of the present invention.

It should be noted that fig. 1 is a schematic structural diagram of a hardware operating environment of the terminal device. The terminal equipment of the embodiment of the invention can be terminal equipment such as a PC, a portable computer and the like.

As shown in fig. 1, the terminal device may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.

Those skilled in the art will appreciate that the terminal device configuration shown in fig. 1 is not intended to be limiting of the terminal device and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.

As shown in fig. 1, a memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and a distributed task processing program. Among them, the operating system is a program that manages and controls the hardware and software resources of the sample terminal device, a handler that supports distributed tasks, and the execution of other software or programs.

In the terminal apparatus shown in fig. 1, the user interface 1003 is mainly used for data communication with each terminal; the network interface 1004 is mainly used for connecting a background server and performing data communication with the background server; and the processor 1001 may be configured to call the block chain based digital rmb payment program stored in the memory 1005 and perform the following operations:

building a user-defined block chain platform, and carrying out data communication on the user-defined block chain platform and a trade gold block chain platform;

acquiring trade data of a plurality of entities on the trade golden block chain platform, and summarizing the trade data to the user-defined block chain platform;

and establishing a corresponding digital wallet on the user-defined block chain platform according to the trade data so as to utilize the digital wallet to carry out transaction payment.

Further, the processor 1001 may call the block chain based digital rmb payment program stored in the memory 1005, and also perform the following operations:

verifying the trade data to obtain a verification result;

and executing fund payment between the digital wallets according to the verification result.

Further, the processor 1001 may call the block chain based digital rmb payment program stored in the memory 1005, and also perform the following operations:

forming a public digital wallet at the custom blockchain platform according to the trade data;

the pair of public digital wallets is split into a plurality of sub-digital wallets.

Further, the processor 1001 may invoke a blockchain-based digital renminbi payment program stored in the memory 1005, and after the step of splitting the pair of public digital wallets into a plurality of sub-digital wallets, further perform the following operations:

setting a controllable payment mode aiming at the sub-digital wallet, wherein the controllable payment mode comprises the following steps: controlled anonymous payments, controlled limit payments, and controlled directional payments.

Further, the processor 1001 may call the digital rmb payment program based on the blockchain stored in the memory 1005, and after the step of acquiring the trade data of the multi-party entity on the trade gold blockchain platform and summarizing the trade data to the custom blockchain platform, further perform the following operations:

and providing cooperative technical support among the plurality of parties according to the trade data.

Further, the collaboration support technology comprises: in support of device collaboration technology, process collaboration technology, and fund collaboration technology, the processor 1001 may invoke a blockchain-based digital rmb payment program stored in the memory 1005 and further perform the following operations:

providing device collaboration technical support among the entity parties according to the trade data;

providing process coordination technical support for production, supply and sale among the plurality of parties to the entity based on the trade data; and/or the presence of a gas in the gas,

and providing fund cooperation technical support among the entities according to the trade data.

Further, the processor 1001 may call the digital rmb payment program based on the blockchain stored in the memory 1005, and after the step of acquiring the trade data of the entity parties on the trade gold blockchain platform and summarizing the trade data to the custom blockchain platform, further perform the following operations:

analyzing the trade data to obtain an analysis result;

and sending the analysis result to the multi-party entity so that the multi-party entity can carry out digital operation based on the analysis result.

Based on the above structure, the embodiments of the block chain-based digital RMB payment method of the invention are provided.

It should be noted that, although there are many payment methods in the market, the payment method of the capital in the investment activities and the sales transactions of the enterprises is mainly cash payment or bank transfer payment.

However, these fund payment methods mainly involve that two parties of an investment transaction make a delivery of bank deposits through a banking system or make a delivery face to face, and both of them need to be completed on a platform or off-line, which causes inconvenience in receiving the delivery and makes it difficult to achieve multiple-link delivery of a transaction chain.

On the basis, a fund payment mode is needed to improve the transaction efficiency of enterprises in investment activities and trading transactions, so that the economic benefit is improved.

Based on the phenomenon, the invention provides various embodiments of the block chain-based digital RMB payment method. It should be noted that, although a logical order is shown in the flow chart, in some cases, the steps shown or described may be performed in an order different than that shown or described herein.

The first embodiment: referring to fig. 2, fig. 2 is a flowchart illustrating a block chain-based digital rmb payment method according to a first embodiment of the present invention. The invention provides a block chain-based digital RMB payment method, which comprises the following steps:

and S100, building a user-defined block chain platform, and carrying out data communication on the user-defined block chain platform and the trade gold melt block chain platform.

It should be noted that, in this embodiment, the customized blockchain platform refers to a technology such as a point-to-point network design, an encryption technology application, a distributed algorithm implementation, and a data storage technology based on a blockchain, and is a built industrial internet blockchain underlying architecture; the block chain bottom layer framework unifies external interfaces, data formats, integration specifications and the like, and supports open butt joint of block chain networks of other organizations.

The method comprises the steps that terminal equipment builds an industrial internet block chain bottom layer framework based on technologies such as point-to-point network design of a block chain, encryption technology application, realization of a distributed algorithm, a data storage technology and the like, the block chain bottom layer framework is in data communication with a trade gold block chain platform built by the research of the quantity of rows, and inter-enterprise trade data and the trade gold block chain platform are connected and communicated.

Step S200, obtaining trade data of a plurality of entities on the trade golden block chain platform, and summarizing the trade data to the user-defined block chain platform.

After the user-defined block chain platform is in data communication with a trade golden block chain platform established by the central line research, the inter-enterprise trade data and the trade golden block chain platform data are communicated, the terminal equipment acquires multi-party entities, namely trade data of other multiple enterprises, through the trade golden block chain platform, and collects the trade data to the user-defined block chain platform to establish an application layer business platform technology with multi-party participation of the entities.

Step S300, establishing a corresponding digital wallet on the user-defined block chain platform according to the trade data so as to utilize the digital wallet to carry out transaction payment.

It should be noted that, in this embodiment, the digital wallet is an electronic virtual wallet constructed based on the central row of digital money circulated by the trade cash blockchain platform; the digital money in the central row is the ciphered number generated by special calculation on the block chain network, can be stored in an electronic purse and transmitted on the chain, and has the properties of being out of the country and not easy to attack. The construction idea of the digital currency at the central bank is that the block chain is used as a bottom layer structure constructed by utilizing new technologies such as the block chain, artificial intelligence and the like, the intelligent electronic currency for replacing paper money is based on digitization and is operated, and the English name is DC/EP, namely the digital currency and an electronic payment tool.

The terminal device establishes a plurality of digital wallets corresponding to the multi-party entities on the user-defined block chain platform according to the trade data of the multi-party entities, so that the multi-party entities can use the respective corresponding digital wallets to carry out transaction payment, and the fund clearing is completed.

Specifically, for example, the customized blockchain platform contains trade data of the entity a and the entity B, and the terminal device establishes a digital wallet a for the entity a and a digital wallet B for the entity B respectively according to the trade data, so that when a commercial transaction occurs between the entity a and the entity B, a transaction payment action can be performed through the digital wallet a and the digital wallet B to complete fund clearing.

In the embodiment, the terminal device builds an industrial internet block chain bottom layer architecture based on technologies such as point-to-point network design of a block chain, encryption technology application, realization of a distributed algorithm, a data storage technology and the like, the block chain bottom layer architecture is in data communication with a trade gold melting block chain platform built by research of the number of rows at the heart, and inter-enterprise trade data and the trade gold melting block chain platform are in data connection and communicated; after the user-defined block chain platform is in data communication with a trade golden block chain platform established by a central line research, the inter-enterprise trade data and the trade golden block chain platform data are communicated, and the terminal equipment acquires multi-party entities, namely trade data of other multiple enterprises, through the trade golden block chain platform and collects the trade data to the user-defined block chain platform to establish an application layer business platform technology with multi-party participation of the entities; the terminal device establishes a plurality of digital wallets corresponding to the multi-party entities on the user-defined block chain platform according to the trade data of the multi-party entities, so that the multi-party entities can use the respective corresponding digital wallets to carry out transaction payment, and the fund clearing is completed.

The method comprises the steps of establishing a user-defined block chain platform through terminal equipment, communicating the user-defined block chain platform with a trade golden block chain platform established by central line research to enable the data connection between trade data among enterprises and the trade golden block chain platform to be communicated, obtaining trade data of other enterprises from the trade golden block chain platform, establishing an application layer business platform technology with multi-party participation of entities by gathering the trade data to the user-defined block chain platform, and establishing corresponding digital wallets for the enterprises respectively according to the trade data to enable the enterprises to utilize the corresponding digital wallets to carry out transaction payment and complete fund clearing when business activities occur among the enterprises.

Therefore, in the technical scheme of the invention, the enterprise can complete fund payment in a point-to-point mode through the digital wallet on the self-defined block chain platform without a third-party platform such as a bank and the like to complete a fund transaction clearing process, so that the transaction efficiency of the enterprise in investment activities and business transactions can be improved, and the economic benefit is improved.

Further, in an embodiment, the step S300 may include:

and S301, verifying the trade data to obtain a verification result.

When commercial activities occur among entities, the terminal equipment verifies the trade data corresponding to the entities in the user-defined blockchain platform so as to obtain verification results about the commercial activities.

And step S302, performing fund payment between the digital wallets according to the verification result.

And after obtaining the verification result about the commercial activities between the entities, the terminal equipment executes the fund payment of the digital wallet corresponding to the entity according to the verification result, thereby completing the commercial transaction.

Specifically, for example, in practical applications, in view of transaction security, when a business transaction y occurs between the enterprise a and the enterprise B and fund payment is performed through the custom blockchain platform, the terminal device may first verify the trade data on the custom blockchain platform to determine whether the business transaction y exists, further determine information such as business content and business amount corresponding to the business transaction y, and after verification is completed, perform fund payment between the digital wallet a of the enterprise a and the digital wallet B of the enterprise B according to a verification result, thereby completing the business transaction y.

Thus, in this embodiment, when a business activity occurs between entities, the terminal device verifies the trade data corresponding to the entity in the user-defined blockchain platform to obtain a verification result about the business activity; after the terminal equipment obtains the verification result of the commercial activities among the entities, the fund payment of the digital wallet corresponding to the entities is executed according to the verification result, so that the commercial transaction is completed, and the safety and the stability of fund payment of enterprises on the self-defined block chain platform are improved.

Further, based on the first embodiment of the block chain-based digital rmb payment method, a second embodiment of the block chain-based digital rmb payment method of the present invention is provided.

In a second embodiment of the block chain-based digital rmb payment method according to the present invention, in step S300, the step of establishing a corresponding digital wallet on the custom block chain platform according to the trade data may include:

and step S303, forming a public digital wallet in the self-defined block chain platform according to the trade data.

And the terminal equipment forms a public digital wallet corresponding to the entity on the self-defined blockchain platform according to the trade data of the entity, so that the entity can utilize the public digital wallet to carry out transaction payment with other entities, and the fund clearing is completed.

Step S304, the pair of public digital wallets is split into a plurality of sub-digital wallets.

After the terminal device forms a pair of public digital wallets corresponding to the entity on the customized blockchain platform, the pair of public digital wallets is split into a plurality of sub-digital wallets, so that the entity can perform fund payment action on the customized blockchain platform through the plurality of sub-digital wallets and other entities.

Specifically, for example, after the terminal device forms a pair of public digital wallets a corresponding to the entity a on the custom blockchain platform, the pair of public digital wallets is split into sub-digital wallets a1, a2 and a3, so that the entity can perform fund payment actions on the custom blockchain platform with other entities through the sub-digital wallets a1, a2 and a3, and the diversified fund management requirements of the enterprise are met.

Further, in an embodiment, after step S304, the method may include:

step S305, setting a controllable payment mode for the sub-digital wallet, wherein the controllable payment mode comprises the following steps: controlled anonymous payments, controlled limit payments, and controlled directional payments.

It should be noted that, in this embodiment, the controllable anonymous payment is the fund payment performed in an anonymous manner by the entity using the sub-digital wallet, and the current central bank stipulates that the digital renminbi wallet has controllable anonymous characteristics, i.e., "small amount anonymity, large amount tracing", and no obstacle is formed to legal management while the requirement of privacy protection is met; the controllable limit payment is that the entity sets the sub-digital wallet to pay funds under the limit of a specific amount, and the specific amount can be set according to the actual requirement of an enterprise; controllable directional payments are entities setting up a sub-digital wallet to make directional funds payments to certain other entities.

Terminal equipment is behind the fission of the public digital wallet that corresponds the entity on self-defined block chain platform for a plurality of sub-digital wallets, sets up multiple controllable payment methods to sub-digital wallet according to the demand of enterprise, includes: controlled anonymous payments, controlled limit payments, and controlled directional payments.

Specifically, for example, after the terminal device splits the corresponding public digital wallet a corresponding to the entity a into the sub-digital wallets a1, a2 and a3 on the custom blockchain platform, the sub-digital wallet a1 is set to be controllable anonymous payment according to the requirement of the entity a, so that the entity a can perform fund payment in an anonymous manner; similarly, sub-digital wallet a2 is set to a controllable limit payment, so that entity a performs a payment of funds under the limit of a certain amount of money through sub-digital wallet a 2; similarly, sub-digital wallet a3 is set to be controllable for directional payout to allow entity a to make a directional funding payout to a particular entity B via sub-digital wallet a 3.

In the embodiment, a pair of public digital wallets corresponding to the entity are formed on the self-defined blockchain platform through the terminal device according to the trade data of the entity, so that the entity can use the pair of public digital wallets to perform transaction payment with other entities; after a pair of public digital wallets corresponding to the entity are formed on the custom blockchain platform, the pair of public digital wallets are split into a plurality of sub-digital wallets, so that the entity can perform fund payment action on the custom blockchain platform through the plurality of sub-digital wallets and other entities; after the corresponding public digital wallet of entity splits into a plurality of sub-digital wallets on self-defined block chain platform, set up multiple controllable payment modes to sub-digital wallet according to the demand of enterprise, include: controlled anonymous payments, controlled limit payments, and controlled directional payments.

Therefore, the technical scheme corresponding to the embodiment can further meet the diversified fund management requirements of the enterprise on the user-defined block chain platform, and execute fund payment actions in different payment modes through a plurality of sub-digital wallets, so that the practicability of the block chain-based digital RMB payment method disclosed by the invention is improved.

Further, based on the first embodiment of the block chain-based digital rmb payment method, a third embodiment of the block chain-based digital rmb payment method of the present invention is provided.

In a third embodiment of the block chain-based digital rmb payment method according to the present invention, after step S200, the method further includes:

and step S400, providing cooperative technical support among the entities according to the trade data.

It should be noted that, in this embodiment, the collaborative technical support is used for cooperating with each other in the production and operation activities between enterprises, and correspondingly adjusting the respective operation activities to provide support and help for other enterprises, so as to make the business activities perform more smooth activities.

The terminal equipment analyzes the operation activity condition of the corresponding entity according to the trade data of the multi-party entity to obtain an analysis result, provides information for each entity according to the analysis result, and adjusts the operation behavior of each entity correspondingly to provide support and help for other entities.

Further, in one possible embodiment, the collaboration support includes: the step S400 includes:

step S401, according to the trade data, providing device cooperation technical support among multiple parties of the entity.

It should be noted that, in the present embodiment, the device cooperation technical support includes device-to-device cooperation, device-to-person cooperation, and production-to-device cooperation.

The terminal device analyzes the operation condition of the corresponding entity according to the trade data of the multi-party entity to obtain an analysis result, and provides information for each entity according to the analysis result, so that the entity correspondingly adjusts the number and the running time of the production equipment, the number of production workers and the working time.

Step S402, providing process coordination technical support for production, supply and sale among the entity parties according to the trade data.

It should be noted that, in the present embodiment, the process coordination technical support includes intelligent production scheduling, logistics and supply chain coordination, and production-supply-marketing coordination.

The terminal equipment analyzes the operation and activity conditions of the corresponding entities according to the trade data of the multi-party entities to obtain an analysis result, and provides information for each entity according to the analysis result so that the entities correspondingly adjust the production plan, the supply efficiency or the sales progress.

Specifically, for example, the terminal device analyzes the sales activity of the dealer a according to the trade data of the dealer a to obtain an analysis result, and provides information to the manufacturing plant B according to the analysis result, so that the manufacturing plant B adjusts the production plan accordingly, thereby avoiding the occurrence of overstock.

And step S403, providing fund cooperation technical support among the entities according to the trade data.

It should be noted that, in the present embodiment, the fund cooperation technical support includes a fiscal cooperation and a financing cooperation.

The terminal equipment analyzes the operation and activity conditions of the corresponding entities according to the trade data of the multi-party entities to obtain an analysis result, and provides information for each entity according to the analysis result so that each entity can correspondingly adjust the production plan and the fund investment.

Specifically, for example, the terminal device analyzes the production activity of the manufacturing plant C based on the trade data of the manufacturing plant C to obtain an analysis result, and provides information to the financial institution D based on the analysis result, and the financial institution D correspondingly provides funds to the manufacturing plant C, thereby realizing the production-fusion cooperation.

In this embodiment, the terminal device analyzes the operation status of the corresponding entity according to the trade data of the multiple entities to obtain an analysis result, and provides information to each entity according to the analysis result, so that each entity correspondingly adjusts the respective operation behavior to provide support and help for other entities.

So, the technical scheme that this embodiment corresponds through continuously for industry chain upstream and downstream enterprise provide equipment and equipment cooperation, equipment and people cooperate, production and equipment cooperate, intelligent scheduling, commodity circulation and supply chain cooperate, the cooperation of production and supply and marketing, the cooperation of finance and tax, the equal digital technology of production and integration cooperation, can promote the enterprise that carries out commercial activity on self-defined block chain platform, to the response speed and the delivery speed of market change and demand to improve market economic benefits.

Further, based on the first embodiment of the block chain-based digital rmb payment method, a fourth embodiment of the block chain-based digital rmb payment method of the present invention is provided.

In a third embodiment of the block chain-based digital rmb payment method according to the present invention, after step S200, the method further includes:

and step S500, analyzing the trade data to obtain an analysis result.

The terminal device analyzes the trade data of the entity to obtain an analysis result related to the operation activity condition corresponding to the entity.

Step S600, sending the analysis result to the multiple entities for the multiple entities to perform digital operation based on the analysis result.

It should be noted that, in this embodiment, the digital operation includes data application capabilities such as intelligent analysis, intelligent early warning, intelligent control, intelligent prediction, and intelligent decision.

After obtaining the analysis result related to the operation activity condition corresponding to the entity, the terminal equipment sends the analysis result to the corresponding entity so that the entity can perform data application activities such as intelligent analysis, intelligent early warning, intelligent control, intelligent prediction, intelligent decision and the like based on the analysis result.

Specifically, for example, after obtaining an analysis result related to the operation activity state corresponding to the entity a, the terminal device sends the analysis result to the entity a, and then the entity a automatically analyzes income, cost and profit based on the analysis result, and automatically identifies an index exceeding a preset range in the operation activity through an algorithm model, so as to form an early warning prompt, so as to improve the level of digital operation of an enterprise.

In this embodiment, the terminal device analyzes the trade data of the entity to obtain an analysis result related to the operation condition corresponding to the entity; and after obtaining an analysis result related to the operation activity condition corresponding to the entity, sending the analysis result to the corresponding entity so that the entity can perform data application activities such as intelligent analysis, intelligent early warning, intelligent control, intelligent prediction, intelligent decision and the like based on the analysis result.

Therefore, the technical scheme corresponding to the embodiment can improve the digital operation level of enterprises based on the mass information data accumulated on the industrial chain, so that the economic benefit of the market is improved.

In addition, referring to fig. 4, an embodiment of the present invention further provides a block chain-based digital rmb payment apparatus, where the block chain-based digital rmb payment apparatus includes:

the building module is used for building a user-defined block chain platform and communicating the user-defined block chain platform with the trade gold melt block chain platform in a data mode;

the acquisition module is used for acquiring the trade data of the multi-party entity on the trade golden block chain platform and summarizing the trade data to the user-defined block chain platform;

and the establishing module is used for establishing a corresponding digital wallet on the user-defined block chain platform according to the trade data so as to utilize the digital wallet to carry out transaction payment.

Preferably, the establishing module comprises:

the verification unit is used for verifying the trade data to obtain a verification result; and performing fund payment between the digital wallets according to the verification result.

Preferably, the establishing module further includes:

a fission unit for forming a public digital wallet at the custom blockchain platform according to the trade data; and, fission the pair of public digital wallets into a plurality of sub-digital wallets.

Preferably, the establishing module further includes:

a setting unit configured to set a controllable payment method for the sub-digital wallet, wherein the controllable payment method includes: controlled anonymous payments, controlled limit payments, and controlled directional payments.

Preferably, the block chain-based digital rmb payment apparatus further includes:

and the providing module is used for providing the collaborative technical support among the plurality of parties according to the trade data.

Preferably, the collaborative technical support comprises: the device cooperation technical support, the process cooperation technical support and the fund cooperation technical support are provided with modules, and the modules comprise:

a first providing unit, configured to provide device collaboration technical support among the multiple parties of the entity according to the trade data;

a second providing unit, configured to provide process coordination technical support for production, supply and sale among the multiple parties of the entity according to the trade data;

and the third providing unit is used for providing fund cooperation technical support among the entities according to the trade data.

Preferably, the block chain-based digital rmb payment apparatus further includes:

the analysis module is used for analyzing the trade data to obtain an analysis result; and sending the analysis result to the multi-party entity so that the multi-party entity can carry out digital operation based on the analysis result.

In addition, an embodiment of the present invention further provides a terminal device, where the terminal device includes: the system comprises a memory, a processor and a block chain based digital RMB payment program stored on the memory and capable of running on the processor, wherein the block chain based digital RMB payment program realizes the steps of the block chain based digital RMB payment method as the above when being executed by the processor.

The steps implemented when the block chain-based digital rmb payment program running on the processor is executed may refer to various embodiments of the block chain-based digital rmb payment method of the present invention, and are not described herein again.

In addition, an embodiment of the present invention further provides a storage medium applied to a computer, where the storage medium may be a non-volatile computer-readable storage medium, and the storage medium stores a block chain based digital rmb payment program, and the block chain based digital rmb payment program, when executed by a processor, implements the steps of the block chain based digital rmb payment method as described above.

The steps implemented when the block chain-based digital rmb payment program running on the processor is executed may refer to various embodiments of the block chain-based digital rmb payment method of the present invention, and are not described herein again.

In addition, an embodiment of the present invention further provides a computer program product, where the computer program product includes a block chain-based digital rmb payment program, and when the block chain-based digital rmb payment program is executed by a processor, the steps of the block chain-based digital rmb payment method are implemented.

The steps implemented when the block chain-based digital rmb payment program running on the processor is executed may refer to various embodiments of the block chain-based digital rmb payment method of the present invention, and are not described herein again.

It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling an intelligent express cabinet to execute the method according to the embodiments of the present invention.

The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.