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Digital currency-based investment financing transaction method, system and device

A digital currency and investor technology, applied in the computer field, can solve problems such as inconsistencies in platform information intermediary roles, difficulty in cross-checking transaction information, and inability to prevent platform false misappropriation, etc., to reduce risks, facilitate auditing and supervision, and avoid the risk of information inconsistency Effect

Active Publication Date: 2017-11-07
THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST
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  • Abstract
  • Description
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AI Technical Summary

Problems solved by technology

[0005] First of all, the depository account will deposit a large amount of funds in transit during the fundraising process. Although the bank supervises the depository account, it still cannot prevent the risk of false misappropriation by the platform.
[0006] Secondly, the depository account is opened in the name of the platform subject, which is inconsistent with the role of the platform information intermediary. The existing model has its own operational risks and security risks of the platform subject, mainly reflected in the consistency of transaction information and contract execution.
As a third party, Internet investment and lending platforms provide all information unilaterally from the platform, making it difficult for investors, fundraisers, regulators and other participants to check transaction information with each other
On the other hand, investors and fundraisers sign online contracts through the platform, and the entire transaction and contract execution process is controlled by the platform, lacking supervision and protection
Therefore, there are operating loopholes that may be faked by the platform and potential safety hazards of the platform itself.

Method used

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  • Digital currency-based investment financing transaction method, system and device
  • Digital currency-based investment financing transaction method, system and device

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Embodiment Construction

[0039] 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.

[0040] figure 1 It is a schematic diagram of the main steps of a digital currency-based investment financing transaction method according to the present invention, such as figure 1 Shown:

[0041] Step S101 means that the investment platform publishes a smart contract on the smart contract system; the smart contract is transformed from the original electronic contract, a...

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Abstract

The present invention provides a digital currency-based investment financing transaction method, system and device which realizes the situation of utilizing the digital currencies to provide a payment settlement path of investment financing capital allocation for a platform. The method comprises the steps of using an investor wallet application device to receive an intelligent contract; after the investor wallet application device receives a confirmation instruction containing the investment amount provided by an investor, adding the investment confirmation information in the intelligent contract, wherein the information comprises the investment amount, an investor signature and the investor personal information; after an investment platform verifies the investment confirmation information in the intelligent contract, marking that the intelligent contract comes into force; using the investor wallet application device to pay the digital currencies to a fund-raiser bank wallet account according to the executed intelligent contract.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a transaction method, system and device for investment and financing based on digital currency. Background technique [0002] With the development of Internet technology and the financial industry, intermediary companies that provide information services for legal direct financial transactions between individuals have developed rapidly with the help of Internet platforms, such as the current P2P network lending (Internet financial peer-to-peer lending), online crowdfunding, etc.; , the two sides of the platform transaction are investors and fundraisers, investors and fundraisers reach a transaction intention through platform information matching, and sign an online contract to stipulate the rights and obligations of both parties to the transaction. Taking online lending as an example, the platform acts as an information intermediary and provides services such as informa...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06Q40/06
CPCG06Q40/04G06Q40/06
Inventor 姚前蒋国庆彭枫孙浩
Owner THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST
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