CIRCULATION, PAYMENT AND CLEARING METHOD AND APPARATUS BASED ON ASSET DIGITAL CERTIFICATE, AND MEDIUM

摘要

Disclosed is a circulation, payment and clearing method based on an asset digital certificate. The circulation, payment and clearing method based on an asset digital certificate comprises the following steps: acquiring account information and transaction information of a buyer when preset information is received, wherein the preset information comprises a clearing instruction, a financing request or a loan request (S10); determining asset and transaction information associated with the account information to generate an asset digital certificate and a commitment performance bond, wherein the content thereof comprises a payment amount of the buyer and the fact that assets corresponding to an asset amount of the asset digital certificate are isolated (S20); and associating the commitment performance bond and the asset digital certificate with account information of a seller corresponding to the clearing instruction, and transferring same to the seller to complete the transaction payment of the buyer to the seller, such that a payment function is realized (S30).