公开(公告)号：EP4358000A1

公开(公告)日：2024-04-24

申请号：EP22824009.9

申请日：2022-05-20

申请人： Digital Currency Institute, The People's Bank of China

发明人： MU, Changchun ,  DI, Gang ,  QIAN, Youcai ,  LV, Yuan ,  DU, Jinzhao ,  LI, Changli

IPC分类号： G06Q20/06 ,  G06Q20/28 ,  G06Q20/22 ,  G06Q20/02 ,  H04L9/00

CPC分类号： G06Q20/065 ,  G06Q20/223 ,  G06Q20/28 ,  H04L9/50 ,  H04L9/0894 ,  H04L9/3247 ,  H04L2209/5620130101 ,  G06Q20/102

摘要： The present invention relates to a digital currency-based payment method, platform and system, and a terminal, and relates to the technical field of computers. An implementation of the method includes: receiving a target payment request for a first digital currency in a frozen state, the first digital currency in the frozen state being generated based on a pre-payment request and a pre-configured pre-payment deposit smart contract; generating a second digital currency according to a target payment amount indicated by the target payment request, the first digital currency, and a pre-configured pre-payment verification smart contract; and sending the second digital currency to a first account corresponding to the first digital currency. The implementation improves the transaction security, and is conducive to protecting the rights and interests of a user.