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公开(公告)号：US20240202677A1
公开(公告)日：2024-06-20
申请号：US18287178
申请日：2022-04-15
Inventor： Gang DI , Changchun MU , Xinyu ZHAO , Peidong CUI , Jinli DU , Zhan SHI , Huiting HAO , Qiu CHEN , Yongchao BIAN
CPC classification number: G06Q20/065 , G06Q20/3829
Abstract: Provided are a digital currency payment method, apparatus, and system, and relates to the technical field of computers. A specific implementation of the method includes: sending a transaction amount to a first currency management apparatus corresponding to a first client, so as to enable the first currency management apparatus to determine whether the transaction amount is greater than an available balance of a first digital currency used for payment; and in the case where the transaction amount is not greater than the available balance, sending a payment request to a second client, the payment request indicating the first digital currency or a circulation identifier of the first digital currency, so as to enable a second currency management apparatus corresponding to the second client to cash, for the first currency management apparatus, a second digital currency corresponding to the transaction amount.
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2.发明公开公开(公告)号：US20240062198A1
公开(公告)日：2024-02-22
申请号：US18381172
申请日：2023-10-18
Inventor： Changchun MU , Gang DI , Xinyu ZHAO , Peidong CUI , Jianli YAN , Peng YU , Wei LIANG
CPC classification number: G06Q20/3829 , G06Q20/401 , G06Q2220/00
Abstract: A digital currency payment method and system, and an apparatus, a security chip, and an application method, which relate to the technical field of computers. The payment method includes: generating a transaction amount, or acquiring, by means of a communication connection between a first client and a second client, the transaction amount sent by the second client; and sending a payment request to the second client by means of the communication connection, where the payment request indicates a first digital currency corresponding to the transaction amount or a circulation identifier of the first digital currency, so as to enable a second currency management apparatus corresponding to the second client to cash a second digital currency corresponding to the transaction amount to a first currency management apparatus corresponding to the first client.
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公开(公告)号：US20240062195A1
公开(公告)日：2024-02-22
申请号：US18381171
申请日：2023-10-18
Inventor： Changchun MU , Gang DI , Xinyu ZHAO , Peidong CUI , Jianli YAN , Peng YU , Wei LIANG
IPC: G06Q20/38
CPC classification number: G06Q20/382
Abstract: A digital currency payment method and system, and an apparatus, a security chip, and an application method, which relate to the technical field of computers. The payment method includes: generating a transaction amount, or acquiring, by means of a communication connection between a first client and a second client, the transaction amount sent by the second client; and sending a payment request to the second client by means of the communication connection, where the payment request indicates a first digital currency corresponding to the transaction amount or a circulation identifier of the first digital currency, so as to enable a second currency management apparatus corresponding to the second client to cash a second digital currency corresponding to the transaction amount to a first currency management apparatus corresponding to the first client.
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公开(公告)号：US20240403844A1
公开(公告)日：2024-12-05
申请号：US18697684
申请日：2022-09-29
Inventor： Changchun MU , Gang DI , Xinyu ZHAO , Jianli YAN , Peidong CUI
Abstract: Provided are a digital currency-based transaction method and apparatus, relating to the technical field of digital currency. A specific implementation includes: establishing a Near Field Communication (NFC) connection with a transaction receiver (S101); exchanging an interaction capability parameter with the transaction receiver by means of the NFC connection, and performing a transaction feature negotiation to obtain transaction features supported by both parties of a transaction (S102); and initiating the transaction according to the transaction features, and completing the transaction with the transaction receiver according to the transaction features (S103). The present disclosure has the following beneficial implications that a quick transaction can be realized, a transaction success rate is improved, and the transaction performance is optimized.
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公开(公告)号：US20240281802A1
公开(公告)日：2024-08-22
申请号：US18571214
申请日：2022-05-20
Inventor： Changchun MU , Gang DI , Youcai QIAN , Yuan LV , Jinzhao DU , Changli LI
CPC classification number: G06Q20/3825 , G06Q20/0655 , G06Q20/405
Abstract: The present disclosure 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.
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Patent Agency Ranking
6.发明公开公开(公告)号：US20240193594A1
公开(公告)日：2024-06-13
申请号：US18287027
申请日：2022-04-15
Inventor： Changchun MU , Gang DI , Xinyu ZHAO , Peidong CUI , Jingdan ZOU , Hongxue ZHANG , Yongchao BIAN
CPC classification number: G06Q20/3829 , G06Q20/3825 , G06Q20/401
Abstract: The present disclosure relates to a method, terminal and system for splitting, and managing a digital currency in a transaction. The method includes: determining a first transaction request indicating a digital currency and first transaction information; generating second transaction information including a second transaction amount according to the first transaction information; respectively signing the first transaction information and the second transaction information by using a private key of a first terminal; generating a first trust chain according to the signed first transaction information and the digital currency, and generating a second trust chain according to the signed second transaction information and the digital currency; and sending the first trust chain to a second terminal, so that the second terminal and the first terminal achieve, according to the first trust chain, an offline transaction corresponding to the first transaction amount included in the first transaction information.
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公开(公告)号：US20250045746A1
公开(公告)日：2025-02-06
申请号：US18719808
申请日：2022-12-14
Inventor： Changchun MU , Gang DI , Honggang LI , Yuan LV , Youcai QIAN , Mingming ZHANG , Jiequn LIU , Xuanhui CHEN , Qingjie CHEN , Wei HUANG , Huan WANG
IPC: G06Q20/38
Abstract: Disclosed are a reconciliation method, apparatus and system based on a blockchain, relating to the technical field of blockchains. The method includes: acquiring a batch hash value fed onto the blockchain by an institution to be reconciled and a batch hash value fed onto the blockchain by a transaction reconciliation platform respectively; performing first comparison on the batch hash values; notifying the institution and the transaction reconciliation platform to feed shard hash values corresponding to the reconciliation batch transaction record under the condition that a result of the first comparison shows inconsistence; acquiring an inconsistent shard by performing second comparison on the shard hash values; notifying the institution and the transaction reconciliation platform to feed record hash values onto the blockchain; acquiring an inconsistent transaction record by performing third comparison on the record hash values; and notifying the institution and the transaction reconciliation platform of the inconsistent transaction record.
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公开(公告)号：US20250021966A1
公开(公告)日：2025-01-16
申请号：US18705528
申请日：2022-10-12
Inventor： Changchun MU , Gang DI , Hongxue ZHANG , Xinyu ZHAO , Peidong CUI
IPC: G06Q20/36
Abstract: The provided are a method, terminal, and system for updating a digital currency wallet, and relates to the field of computer technology. A specific implementation of the method includes: sending, based on user trigger, a query request about whether the digital currency wallet needs to be updated to a trusted platform; receiving a query result returned by the trusted platform; in the case that the query result indicates that the digital currency wallet needs to be updated, withdrawing a digital currency from the digital currency wallet, synchronizing offline transaction data of the digital currency wallet, and sending an update request to the trusted platform; receiving a target update instruction sent by the trusted platform, wherein the target update instruction indicates account data corresponding to the digital currency wallet; and updating the digital currency wallet based on the account data indicated by the target update instruction.
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公开(公告)号：US20240202676A1
公开(公告)日：2024-06-20
申请号：US18287177
申请日：2022-04-15
Inventor： Changchun MU , Gang DI , Xinyu ZHAO , Peidong CUI , Jianli YAN , Peng YU , Wei LIANG
CPC classification number: G06Q20/065 , G06Q20/223 , G06Q20/3829
Abstract: A digital currency payment method and system, and an apparatus, a security chip, and an application method, which relate to the technical field of computers. The payment method includes: generating a transaction amount, or acquiring, by means of a communication connection between a first client and a second client, the transaction amount sent by the second client; and sending a payment request to the second client by means of the communication connection, where the payment request indicates a first digital currency corresponding to the transaction amount or a circulation identifier of the first digital currency, so as to enable a second currency management apparatus corresponding to the second client to cash a second digital currency corresponding to the transaction amount to a first currency management apparatus corresponding to the first client.
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公开(公告)号：US20240193557A1
公开(公告)日：2024-06-13
申请号：US18287029
申请日：2022-04-15
Inventor： Changchun MU , Gang DI , Xinyu ZHAO , Peidong CUI , Ting WANG , Yongchao BIAN
CPC classification number: G06Q20/065 , G06Q20/3825 , G06Q20/3829 , G06Q20/401 , G06Q2220/00
Abstract: The disclosure relates to the technical field of computers. Disclosed are a digital currency management method, apparatus and system. A specific implementation of the method includes: sending one or more first digital currencies to a first currency management apparatus corresponding to a first client, where the one or more first digital currencies belong to one or more second currency management apparatuses different from the first currency management apparatus; and receiving a second digital currency, which is generated by the first currency management apparatus according to the one or more first digital currencies, where the denomination of the second digital currency is equal to the sum of denominations of the one or more first digital currencies.
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