数字人民币智能合约在铁路客票+业务支付结算的应用研究

Research on the Application of e-CNY Smart Contract in Railway Ticket Business+Payment and Settlement

铁路客票+业务具有需分账结算、多元化运营等特点,数字人民币是中国人民银行发行的法定数字货币,具有可编程、支付即结算等区别于现有货币体系的特性,相较于传统支付方式,数字人民币有明显的低成本、高效率等优势。基于其特性,数字人民币可为铁路客票+业务支付结算提供合规、高效的有力支撑。首先阐述了数字人民币运营机制、特性及“铁路客票+业务”的特点,在此基础上研究设计了铁路客票+业务数字人民币独立数字钱包体系、多级数字钱包体系,分析了基于数字人民币智能合约的铁路客票+支付结算业务流程,以及不同资金收付模式下的资金流程,提出了与传统支付方式统一结算的可行性方案,可为未来数字人民币在铁路客票+业务的运用提供参考。

Railway ticket+business has characteristics of split-account settlement and diverse operations.The e-CNY,as the digital currency electronic payment issued by the People’s Bank of China,has unique attributes such as programmability and RTGS.Compared with CNY,e-CNY has obvious advantages such as low cost and high efficiency.The unique attributes of e-CNY differentiating from the existing monetary system can provide a compliant and efficient support for the payment and settlement system of railway ticket+business.This paper firstly elaborated the operating mechanism, characteristics of e-CNY and railway ticket+ business. Based on this, the independent e-CNY wallet system and multi-level digital wallet system of railway ticket+ business were researched and designed. The research analyzed business process of railway ticket+ payment and settlement based on e-CNY smart contract as well as the capital process under different capital collection mode. In the end, this paper suggests a feasible plan of unified settlement with traditional payment methods, which can provide a useful reference for the future application of e-CNY on railway ticket+ business.