CN109345214A - A kind of method of payment, system and the associated component of digital cash Wallet System - Google Patents
A kind of method of payment, system and the associated component of digital cash Wallet System Download PDFInfo
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- CN109345214A CN109345214A CN201811191330.8A CN201811191330A CN109345214A CN 109345214 A CN109345214 A CN 109345214A CN 201811191330 A CN201811191330 A CN 201811191330A CN 109345214 A CN109345214 A CN 109345214A
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- Prior art keywords
- payment
- digital cash
- information
- paying party
- request
- Prior art date
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
This application discloses a kind of method of payment of digital cash Wallet System, the method for payment includes being decrypted to obtain Receiving information to trade order information when receiving trade order information；When detecting the log-on message of digital cash wallet, Receiving information is filled in and obtains payment form into the corresponding api interface field of payment forms pages, the payment request including payment form is sent to paying party according to log-on message, so that paying party generates payment interface according to payment request；The payment cipher that user inputs in payment interface is obtained, and judges whether payment cipher is correct；If so, executing the corresponding delivery operation of payment form.This method can be avoided the case where paying party is manually entered payment information, simplify the payment flow of digital cash wallet.Disclosed herein as well is a kind of payment system of digital cash Wallet System, a kind of computer readable storage medium and a kind of electronic equipment, have the above beneficial effect.
Description
Technical field
The present invention relates to field of computer technology, in particular to a kind of method of payment of digital cash Wallet System, system,
A kind of computer readable storage medium and a kind of electronic equipment.
Background technique
With the high speed development of block chain and digital cash industry, digital cash payment will obtain more and more extensive answer
With payment transaction will be more and more common frequent.Paying party is required to repeat to open wallet, input gathering in each consumption payment
Information.
Digital cash public key, private key storage and the digital cash that digital cash wallet itself in the prior art generally has
It transfers accounts the technology of initiation.User then needs manually if you need to pay an order by this address of collecting money, gathering number and beneficiary
Or the information inputs such as other parameters of digital cash publisher requirement cannot be automatically generated beneficiary needs into payment form
Content.
Therefore, the case where how paying party being avoided to be manually entered payment information simplifies the payment flow of digital cash wallet
It is a technical problem that technical personnel in the field need to solve at present.
Summary of the invention
The method of payment, system, one kind that the purpose of the application is to provide a kind of digital cash Wallet System are computer-readable
Storage medium and a kind of electronic equipment can be avoided the case where paying party is manually entered payment information, simplify digital cash wallet
Payment flow.
In order to solve the above technical problems, the application provides a kind of method of payment of digital cash Wallet System, the payer
Method includes:
When receiving trade order information, the trade order information is decrypted to obtain Receiving information；Wherein, institute
It states trade order information and the Receiving information is encrypted to obtain by beneficiary；
When detecting the log-on message of digital cash wallet, the Receiving information is filled in corresponding to payment forms pages
Api interface field in obtain payment form, according to the log-on message to paying party send include the payment form branch
Request is paid, so that the paying party generates payment interface according to the payment request；
The payment cipher that user inputs in the payment interface is obtained, and judges whether the payment cipher is correct；
If so, executing the corresponding delivery operation of the payment form.
Optionally, the api interface field includes OP_RETURN field；Wherein, the OP_RETURN field is bit
OP_RETURN field in coin and bit coin branching digital currency, the bit coin branching digital currency includes Bitcoin
Cash。
Optionally, executing the corresponding delivery operation of the payment form includes:
Digital cash transfer request is generated according to the payment form, to digital cash publisher and digital banknote registration side
The digital cash transfer request is sent, so that the digital cash publisher and the digital cash enroller are in block link network
Network executes transaction broadcast operation and block confirmation operation, completes the corresponding delivery operation of the digital cash transfer request.
Optionally, further includes:
After the delivery operation is finished, corresponding notice letter is sent to the beneficiary and/or the paying party
Breath.
Optionally, the trade order information is uniform resource locator or two-dimension code image.
Optionally, the Receiving information includes trade order number, product name, commodity franc price, commodity digital currency
Any in price, currency type, type of transaction, order time, user information, pay status, the means of payment and signing messages
Or appoint several combinations；
Correspondingly, the payment cipher includes numerical ciphers, English alphabet password, biological characteristic password, third-party authentication
Random number password, mailbox random verification code password or the cell-phone number random verification code password that device generates.
Optionally, the payment request includes the instruction of H5 page jump, so that the paying party is with the side of H5 page jump
Formula generates payment interface.
Present invention also provides a kind of payment system of digital cash Wallet System, which includes:
Deciphering module, for being decrypted and being received to the trade order information when receiving trade order information
Money information；Wherein, the trade order information is encrypted to obtain by beneficiary to the Receiving information；
Request sending module, for when detecting the log-on message of digital cash wallet, the Receiving information to be filled in
Payment form is obtained into the corresponding api interface field of payment forms pages, is sent and is wrapped to paying party according to the log-on message
The payment request of the payment form is included, so that the paying party generates payment interface according to the payment request；
Authentication module, the payment cipher inputted for obtaining user in the payment interface, and judge the payment cipher
It is whether correct；If so, executing the corresponding delivery operation of the payment form.
Present invention also provides a kind of computer readable storage mediums, are stored thereon with computer program, the computer
Program realizes the step of method of payment of above-mentioned digital cash Wallet System executes when executing.
Present invention also provides a kind of electronic equipment, including memory and processor, calculating is stored in the memory
Machine program, the processor realize the payment of above-mentioned digital cash Wallet System when calling the computer program in the memory
The step of method executes.
The present invention provides a kind of methods of payment of digital cash Wallet System, including work as and receive trade order information
When, the trade order information is decrypted to obtain Receiving information；Wherein, the trade order information is by beneficiary to described
Receiving information is encrypted to obtain；When detecting the log-on message of digital cash wallet, the Receiving information is filled in
Payment form is obtained into the corresponding api interface field of payment forms pages, is sent and is wrapped to paying party according to the log-on message
The payment request of the payment form is included, so that the paying party generates payment interface according to the payment request；Obtain user
In the payment cipher of payment interface input, and judge whether the payment cipher is correct；If so, executing the payment table
Single corresponding delivery operation.
The application is decrypted to obtain Receiving information by the trade order information for encrypting beneficiary, is receiving
After the digital cash wallet log-on message of paying party, Auto-writing Receiving information obtains payment form.The branch sent to paying party
Paying in request has payment form, so that paying party understands the Receiving information in payment form, inputs correctly payment in paying party
The corresponding delivery operation of the payment form is executed after password.Payment table is filled in without paying party in the payment process of the application
It is single, the delivery operation complexity of paying party is reduced, the situation of payment information mistake is avoided the occurrence of.Therefore the application avoids paying party
The case where being manually entered payment information simplifies the payment flow of digital cash wallet.The application additionally provides a kind of number simultaneously
The payment system of currency Wallet System, a kind of computer readable storage medium and a kind of electronic equipment have above-mentioned beneficial effect,
Details are not described herein.
Detailed description of the invention
In ord to more clearly illustrate embodiments of the present application, attached drawing needed in the embodiment will be done simply below
It introduces, it should be apparent that, the drawings in the following description are only some examples of the present application, for ordinary skill people
For member, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of flow chart of the method for payment of digital cash Wallet System provided by the embodiment of the present application；
Fig. 2 is the flow chart of the method for payment of another kind digital cash Wallet System provided by the embodiment of the present application；
Fig. 3 is the payment flow schematic diagram of digital cash Wallet System in practical application provided by the embodiment of the present application；
Fig. 4 is a kind of structural schematic diagram of the payment system of digital cash Wallet System provided by the embodiment of the present application.
Specific embodiment
To keep the purposes, technical schemes and advantages of the embodiment of the present application clearer, below in conjunction with the embodiment of the present application
In attached drawing, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described embodiment is
Some embodiments of the present application, instead of all the embodiments.Based on the embodiment in the application, those of ordinary skill in the art
Every other embodiment obtained without making creative work, shall fall in the protection scope of this application.
Below referring to Figure 1, Fig. 1 is a kind of method of payment of digital cash Wallet System provided by the embodiment of the present application
Flow chart.
Specific steps may include:
S101: when receiving trade order information, the trade order information is decrypted to obtain Receiving information；
Wherein, the trade order information is encrypted to obtain by beneficiary to the Receiving information.The present embodiment
Can be applied to following situation: paying party carries out the relevant operation of currency payment by payment services direction beneficiary.Payment clothes
Business side can be understood like that Alipay, wealth pay the payment services platform such as logical, and each operation is that station is being paid in the present embodiment
The angle description of service side, i.e., the subject of implementation of each step is payment services side in each process of the present embodiment.Payment clothes
Business side is used as third party between paying party and beneficiary, the message sent from paying party and beneficiary is handled, to complete
The operation that payment direction beneficiary is paid.
The trade order information mentioned in this step is sent by the direction payment services side that collects money, and the present embodiment default is handed over
Easy order information is encrypted to obtain by beneficiary to the Receiving information.The trade order letter mentioned in this step
Breath may include trade order number, product name, commodity franc price, commodity digital money price, currency type, type of transaction
Any one of (e.g., payment or reimbursement), order time, user information, pay status, the means of payment and signing messages appoint several
The combination of item.Since the information in trade order is not to exist in the form of plaintext, but beneficiary passes through Encryption Algorithm pair
What Receiving information obtained after being encrypted.It is used when not limiting beneficiary encryption Receiving information herein specifically to add
Close algorithm, those skilled in the art can flexibly set according to the actual conditions of application.Digital cash is not limited herein
Type, the technical solution of the present embodiment can be applied to a variety of digital cash, such as: bit coin or bit coin cash.
It is understood that trade order information is that beneficiary is encrypted to obtain to Receiving information, transaction is ordered
Single information with the information about transaction entrained in Receiving information be it is identical, the difference of the two is only that whether encrypt.It hands over
Easy order information is not to exist in the form of plaintext, and preferred trade order information can be the mutual of string number currency payment
It networks uniform resource locator (URL), is also possible to the two-dimension code image comprising Receiving information, herein not to trade order information
Form specifically limited.
Correspondingly, the Encryption Algorithm used when beneficiary encrypts Receiving information " is known " by this step default payment services side,
When receiving trade order information, trade order information is decrypted and can be obtained using Encryption Algorithm corresponding decipherment algorithm
To Receiving information.It is understood that Receiving information equally may include trade order number, product name, commodity franc price,
Commodity digital money price, currency type, type of transaction (e.g., payment or reimbursement), the order time, user information, pay status,
Any one of the means of payment and signing messages appoint several combinations.
Certainly, the present embodiment does not limit the trigger condition that payment services side receives trade order information, can be gathering
After the common recognition that side concludes the transaction with paying party, paying party automatically generates trade order information and trade order information is sent to branch
Pay service side；It is also possible to the trade order information that beneficiary automatically generates after the gathering instruction for receiving user's transmission, it is main
Dynamic Request Payment side carries out corresponding delivery operation.
S102: when detecting the log-on message of digital cash wallet, the Receiving information is filled in payment form page
Payment form is obtained in the corresponding api interface field in face, sending according to the log-on message to paying party includes the payment table
Single payment request, so that the paying party generates payment interface according to the payment request；
Wherein, api interface field mentioned above may include such as a variety of api interface words including OP_RETURN field
Section；Wherein, the OP_RETURN field is the OP_ represented in the bits coin branching digital currency such as bit coin and bit coin cash
RETURN field, the bit coin branching digital currency include Bitcoin Cash, and it is existing that Bitcoin Cash is also known as bit coin
Gold (in general, it is Bitcoin Cash or BitcoinCash or BCH or BCC that the public, which calls bit coin cash).This step is mentioned
Paying party be equivalent to undertake the terminal of payment service, gathering end is the terminal for undertaking gathering service, can be specifically meter
Calculation machine, smart phone etc..
Preferably, the present embodiment can also include the operation that paying party logs in digital cash wallet, so as in digital cash
Delivery operation is executed in wallet.The digital cash wallet can be the data currency wallet that user creates in payment services side.It steps on
Record digital cash wallet mode can there are many kinds of, such as can be user input account+password mode log in,
It can be user to log in by way of importing private key, can also be that user logs in by way of importing mnemonic word, herein
Also without limiting.
After user logs in digital cash wallet, paying party can send log-on message to payment services side, to inform branch
It pays service side user and has logged in digital cash wallet, payment flow can be carried out.The purpose of this step is to send to paying party
The corresponding payment request of trade order information, S101 on the basis of, this step is by the obtained Receiving information point of secret operation
It writes in the corresponding OP_RETURN field of payment forms pages and obtains payment form.OP_RETURN is formal in 2014 to be released,
It is a kind of broadcast that can be realized data in block chain and record, the function of calculating step is omitted, therefore has reached saving
Time and the purpose for calculating power.The transparency and unalterable feature of this function of OP_RETURN, can be used for memory block chain
In information and research and develop decentralization app.After obtaining payment form, digital cash money can be determined according to log-on message
Packet, to send the payment request for including the payment form to the paying party for logging in digital cash wallet.Specifically, can lead to
It crosses SDK (Software Development Kit, Software Development Kit) and arouses block chain trading signature window, and is automatic attached
The information such as band OP_RETURN, the process do not need to carry out complicated payment services access.It is deposited that is, the application is equivalent to
Payment request is being generated according to payment form, the operation of payment request is sent to paying party.Payment request includes payment form
Meaning is: after user receives payment request, the Receiving information filled in payment list can be seen in payment request,
So that paying party determines the information such as payment, the currency type of payment.Payment request can also include that H5 page jump instructs,
So that the paying party generates payment interface in a manner of H5 page jump, that is to say, that receiving in paying party includes the H5 page
After the payment request of jump instruction, payment interface can be generated in a manner of H5 page jump automatically.Using above-mentioned H5 page jump
Mode can when order information is submitted to digital cash wallet, wallet can automatic spring payment window, user confirmation after
Password is inputted, payment can be completed.
After paying party receives payment request, the corresponding payment page of payment request can be generated, it can on the payment page
It can also include the input frame for inputting payment cipher in payment interface to include by information such as payment, beneficiaries, with
Just user interface inputs payment cipher.The type of payment cipher is not limited herein, payment cipher includes but is not limited to: high-intensitive
Numerical ciphers, English alphabet password, biological characteristic password (fingerprint recognition, recognition of face, Application on Voiceprint Recognition etc.), third-party authentication
Random number password, mailbox random verification code password, cell-phone number random verification code password that device generates etc..
S103: the payment cipher that user inputs in the payment interface is obtained, and judges whether the payment cipher is correct；
If so, into S104；If it is not, then terminating process.
Wherein, the purpose of this step is whether the payment cipher for verifying user's input is correct, the present embodiment default payment
The corresponding informance in all the digital cash wallets and payment cipher of the creation of payment services side has been stored in service side.It is connecing
Judge whether the payment cipher and the payment cipher being pre-stored in payment services side are identical after receiving payment cipher, if phase
Together, then determine that payment cipher can correctly enter the corresponding operating process of S104；If not identical, payment cipher mistake is determined,
Prompt information can be sent to paying party so that user re-enters payment cipher.
S104: the corresponding delivery operation of the payment form is executed.
Wherein, this step is established on the basis of S103 has determined that payment cipher is correct, and payment services side can be according to
The payment information filled in payment form executes corresponding delivery operation.Specifically, after payment cipher is verified, payment
Service side can initiate digital cash transfer request to digital cash publisher and enroller, so as to digital cash publisher and Deng
Note side carries out transaction broadcast and block confirmation in block chain network, completes delivery operation.
As a preferred embodiment, there may also be following operations after this step: according to different digital goods
Coin shifts successful different mechanisms, and payment services direction beneficiary returns to the information of the result that payment is completed and pay invoice, with
Just beneficiary understands gathering situation in time.Just the same not necessarily like the prior art using this preferred embodiment, paying party exists
After the completion of payment, payment information of the beneficiary (businessman) including paying party information need to be informed, manually so as to beneficiary (quotient
Family) know and match the order pay status of paying party.This causes great management cost, beneficiary to beneficiary (businessman)
It is both needed in links such as the update of order pay status, financial counting, the clearing of digital cash assets by a secondary treatment.
The present embodiment does not limit programming language (e.g., the JAVA or C++ for realizing that the relevant technical solution of the present embodiment uses
Deng), Technical Architecture, implementation etc., those skilled in the art can be selected according to actual application environment mode appropriate come
Realize operating procedure described in the present embodiment.
The present embodiment is decrypted to obtain Receiving information by the trade order information for encrypting beneficiary, is receiving
To after the digital cash wallet log-on message of paying party, Auto-writing Receiving information obtains payment form.It is sent to paying party
There is payment form in payment request, so that paying party understands the Receiving information in payment form, inputs correctly branch in paying party
The corresponding delivery operation of the payment form is executed after paying password.It fills in and pays without paying party in the payment process of the present embodiment
Money list reduces the delivery operation complexity of paying party, avoids the occurrence of the situation of payment information mistake.Therefore the present embodiment avoids
Paying party is manually entered the case where payment information, simplifies the payment flow of digital cash wallet.
Fig. 2 is referred to below, and Fig. 2 is the payer of another kind digital cash Wallet System provided by the embodiment of the present application
The flow chart of method；
Specific steps may include:
S201: when receiving trade order information, the trade order information is decrypted to obtain Receiving information；Its
In, the trade order information is encrypted to obtain by beneficiary to the Receiving information；
S202: when detecting the log-on message of digital cash wallet, the Receiving information is filled in payment form page
Payment form is obtained in the corresponding api interface field in face, sending according to the log-on message to paying party includes the payment table
Single payment request, so that the paying party generates payment interface according to the payment request；
S203: the payment cipher that user inputs in the payment interface is obtained, and judges whether the payment cipher is correct；
If so, into S204；
S204: digital cash transfer request is generated according to the payment form, to digital cash publisher and digital cash
Enroller sends the digital cash transfer request, so that the digital cash publisher and the digital cash enroller are in area
Block chain network executes transaction broadcast operation and block confirmation operation, completes the corresponding payment behaviour of the digital cash transfer request
Make.
Wherein, above-mentioned this transaction of payment process be not only currency transfer process, while carry both parties value,
The record of the agreement contents such as Commodity Swap records information due to being the digital cash transfer executed in block chain network
It can not revise, it can be with effective guarantee both sides' equity.
S205: it after the delivery operation is finished, is sent to the beneficiary and/or the paying party corresponding logical
Know information.
Wherein, the present embodiment can be returned automatically payment information and result by api interface after having executed delivery operation
It is back to beneficiary and/or paying party, facilitates accounting reconciliation, is not necessarily to secondary treatment.
Payment information is passed in digital cash wallet by cryptographic means by beneficiary by above-described embodiment use, entire to prop up
The key message of process is paid without being manually entered, has been completely free of the security risk for being manually entered and replicating and paste and generate.This reality
Apply the reconciliation of digital cash asset stream and order information stream that example is also handled system between beneficiary and paying party, significant increase
The efficiency and accuracy of beneficiary verification order.Paying party opens money without actively exiting current process again in the present embodiment
Packet, and system meeting automatic spring wallet pays the page, paying party, which not necessarily has to importing private key or mnemonic word, can just enter money
Packet also can enter wallet by the account and password for inputting wallet, and transfer assets.Improve the efficiency of paying party assets transfer
And accuracy.
The process for illustrating above-described embodiment description below by embodiment in practical applications, refers to Fig. 3 below, schemes
3 be the payment flow schematic diagram of digital cash Wallet System in practical application provided by the embodiment of the present application, and detailed process can
To include:
1) payment of paying party selection digital cash, beneficiary generate the payment transaction order of digital cash payment.
2) beneficiary encrypts order information by certain Encryption Algorithm, and generation is transferred to payment services side.Transaction
Order information includes but is not limited to trade order number, product name, commodity franc price, commodity digital money price, currency class
In type, type of transaction (e.g., payment or reimbursement), order time, user information, pay status, the means of payment and signing messages
Any one appoints several combinations.This trade order information is converted to string number currency by Encryption Algorithm by payment services side
The Internet Uniform Resource finger URL (URL) of payment can also be converted to the two-dimension code image comprising this encryption order information.
3) paying party logs in wallet, and user logs in it in the digital cash wallet of digital cash payment services side creation.
4) login mode includes that user's input account+password mode logs in, and user is by way of importing private key
It logs in, user is logged in by way of importing mnemonic word.
5) payment services side is extracted by Internet Uniform Resource finger URL (URL) of the decryption containing order information, parsing
The digital cash type of beneficiary out, digital cash address, number of collecting money, specifically defined field information of other beneficiaries etc..
6) in the payment form page, the digital cash address for the beneficiary that payment services side automatically extracts parsing is received
Amount of money volume, specifically defined field information of other beneficiaries etc. are filled up in corresponding list.Specifically defined field information fills in
In OP_RETURN (optional) field of digital cash.
7) paying party confirms payment information and inputs payment cipher, and payment cipher includes but is not limited to that high-intensitive number is close
Code, English alphabet password, biological characteristic password (fingerprint recognition, recognition of face, Application on Voiceprint Recognition etc.), third-party authentication device generate
Random number password, mailbox random verification code password, cell-phone number random verification code password etc..
8) payment cipher is verified, and wallet service orientation digital cash publisher and enroller initiate digital cash transfer
Request.
9) digital cash publisher and enroller carry out transaction broadcast and block confirmation in block chain network, according to difference
Digital cash shifts successful different mechanisms, and payment services direction beneficiary returns to the letter of the result that payment is completed and pay invoice
Breath.
The present embodiment can also be used in the function of carrying block chain service logic record.Such as service provider can record basis
Agreement promises to undertake the equity for giving paying party, which will be permanently stored on block chain, and can not revise, and can be traced.
It should be noted that is referred in beneficiary box corresponding with paying party in Fig. 3 is only service content, that is, indicate
The main body of the corresponding expression event request of each service content, do not limit only represent the service content can only thus arrange it is corresponding
Main body is provided.It for example, showing that the service of order information can be provided by paying party, can also be provided, be made by payment services side
For a kind of preferred embodiment in order to which there is the order information of displaying unified format can be asked by payment services side to multiple
It seeks unification and the service of displaying order information is provided.For another example when paying party generates the service corresponding request of encryption order information,
It can be encrypted, can also be encrypted by payment services side by paying party, herein without specifically limiting.
Fig. 4 is referred to, Fig. 4 is a kind of knot of the payment system of digital cash Wallet System provided by the embodiment of the present application
Structure schematic diagram；
The system may include:
Deciphering module 100, for being decrypted to obtain to the trade order information when receiving trade order information
Receiving information；Wherein, the trade order information is encrypted to obtain by beneficiary to the Receiving information；
Request sending module 200, for when detecting the log-on message of digital cash wallet, the Receiving information to be filled out
It is written in the corresponding api interface field of payment forms pages and obtains payment form, sent according to the log-on message to paying party
Payment request including the payment form, so that the paying party generates payment interface according to the payment request；
Authentication module 300, the payment cipher inputted for obtaining user in the payment interface, and judge that the payment is close
Whether code is correct；If so, executing the corresponding delivery operation of the payment form.
The present embodiment is decrypted to obtain Receiving information by the trade order information for encrypting beneficiary, is receiving
To after the digital cash wallet log-on message of paying party, Auto-writing Receiving information obtains payment form.It is sent to paying party
There is payment form in payment request, so that paying party understands the Receiving information in payment form, inputs correctly branch in paying party
The corresponding delivery operation of the payment form is executed after paying password.It fills in and pays without paying party in the payment process of the present embodiment
Money list reduces the delivery operation complexity of paying party, avoids the occurrence of the situation of payment information mistake.Therefore the present embodiment avoids
Paying party is manually entered the case where payment information, simplifies the payment flow of digital cash wallet.
Further, the authentication module includes:
Judging unit, the payment cipher inputted for obtaining user in the payment interface, and judge the payment cipher
It is whether correct；
Payment unit, for generating digital cash transfer according to the payment form and asking when the payment cipher is correct
It asks, the digital cash transfer request is sent to digital cash publisher and digital banknote registration side, so as to the digital cash
Publisher and the digital cash enroller execute transaction broadcast operation and block confirmation operation in block chain network, described in completion
The corresponding delivery operation of digital cash transfer request.
Further, further includes:
After the delivery operation is finished, corresponding notice letter is sent to the beneficiary and/or the paying party
Breath.
Further, the trade order information is uniform resource locator or two-dimension code image.
Further, the Receiving information includes trade order number, product name, commodity franc price, commodity digital goods
Coin price, currency type, type of transaction (e.g., payment or reimbursement), the order time, user information, pay status, the means of payment and
Any one of signing messages appoints several combinations.
Further, the payment cipher includes that numerical ciphers, English alphabet password, biological characteristic password, third party test
Demonstrate,prove random number password, mailbox random verification code password or cell-phone number random verification code password that device generates.
Further, the payment request includes the instruction of H5 page jump, so that the paying party is with H5 page jump
Mode generates payment interface.
Since the embodiment of components of system as directed is corresponded to each other with the embodiment of method part, the embodiment of components of system as directed is asked
Referring to the description of the embodiment of method part, wouldn't repeat here.
Present invention also provides a kind of computer readable storage mediums, have computer program thereon, the computer program
It is performed and step provided by above-described embodiment may be implemented.The storage medium may include: USB flash disk, mobile hard disk, read-only deposit
Reservoir (Read-Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic disk or
The various media that can store program code such as CD.
Present invention also provides a kind of electronic equipment, may include memory and processor, have meter in the memory
Calculation machine program may be implemented provided by above-described embodiment when the processor calls the computer program in the memory
Step.Certain electronic equipment can also include various network interfaces, the components such as power supply.
Each embodiment is described in a progressive manner in specification, the highlights of each of the examples are with other realities
The difference of example is applied, the same or similar parts in each embodiment may refer to each other.For system disclosed in embodiment
Speech, since it is corresponded to the methods disclosed in the examples, so being described relatively simple, related place is referring to method part illustration
?.It should be pointed out that for those skilled in the art, under the premise of not departing from the application principle, also
Can to the application, some improvement and modification can also be carried out, these improvement and modification also fall into the protection scope of the claim of this application
It is interior.
It should also be noted that, in the present specification, relational terms such as first and second and the like be used merely to by
One entity or operation are distinguished with another entity or operation, without necessarily requiring or implying these entities or operation
Between there are any actual relationship or orders.Moreover, the terms "include", "comprise" or its any other variant meaning
Covering non-exclusive inclusion, so that the process, method, article or equipment for including a series of elements not only includes that
A little elements, but also including other elements that are not explicitly listed, or further include for this process, method, article or
The intrinsic element of equipment.Under the situation not limited more, the element limited by sentence "including a ..." is not arranged
Except there is also other identical elements in the process, method, article or apparatus that includes the element.
Claims (10)
1. a kind of method of payment of digital cash Wallet System characterized by comprising
When receiving trade order information, the trade order information is decrypted to obtain Receiving information；Wherein, the friendship
Easy order information is encrypted to obtain by beneficiary to the Receiving information；
When detecting the log-on message of digital cash wallet, the Receiving information is filled in corresponding to payment forms pages
Payment form is obtained in api interface field, the payment including the payment form is sent to paying party according to the log-on message
Request, so that the paying party generates payment interface according to the payment request；
The payment cipher that user inputs in the payment interface is obtained, and judges whether the payment cipher is correct；
If so, executing the corresponding delivery operation of the payment form.
2. method of payment according to claim 1, which is characterized in that the api interface field includes OP_RETURN field；
Wherein, the OP_RETURN field is the OP_RETURN field in bit coin and bit coin branching digital currency, the bit
Coin branching digital currency includes Bitcoin Cash.
3. method of payment according to claim 1, which is characterized in that execute the corresponding delivery operation packet of the payment form
It includes:
Digital cash transfer request is generated according to the payment form, is sent to digital cash publisher and digital banknote registration side
The digital cash transfer request, so that the digital cash publisher and the digital cash enroller hold in block chain network
Row transaction broadcast operation and block confirmation operation, complete the corresponding delivery operation of the digital cash transfer request.
4. method of payment according to claim 1, which is characterized in that further include:
After the delivery operation is finished, corresponding notification information is sent to the beneficiary and/or the paying party.
5. method of payment according to claim 1, which is characterized in that the trade order information be uniform resource locator or
Two-dimension code image.
6. method of payment according to claim 1, which is characterized in that the Receiving information includes trade order number, trade name
Title, commodity franc price, commodity digital money price, currency type, type of transaction, order time, user information, payment shape
Any one of state, the means of payment and signing messages appoint several combinations；
Correspondingly, the payment cipher includes numerical ciphers, English alphabet password, biological characteristic password, the life of third-party authentication device
At random number password, mailbox random verification code password or cell-phone number random verification code password.
7. method of payment according to claim 1, which is characterized in that the payment request includes the instruction of H5 page jump, with
Toilet states paying party and generates payment interface in a manner of H5 page jump.
8. a kind of payment system of digital cash Wallet System characterized by comprising
Deciphering module obtains gathering letter for when receiving trade order information, the trade order information to be decrypted
Breath；Wherein, the trade order information is encrypted to obtain by beneficiary to the Receiving information；
Request sending module, for when detecting the log-on message of digital cash wallet, the Receiving information to be filled in branch
It pays in the corresponding api interface field of forms pages and obtains payment form, being sent according to the log-on message to paying party includes institute
The payment request of payment form is stated, so that the paying party generates payment interface according to the payment request；
Authentication module, the payment cipher inputted for obtaining user in the payment interface, and whether judge the payment cipher
Correctly；If so, executing the corresponding delivery operation of the payment form.
9. a kind of electronic equipment characterized by comprising
Memory, for storing computer program；
Processor realizes the digital cash wallet system as described in any one of claim 1 to 7 when for executing the computer program
The step of method of payment of system.
10. a kind of computer readable storage medium, which is characterized in that be stored with computer on the computer readable storage medium
Program realizes the digital cash Wallet System as described in any one of claim 1 to 7 when the computer program is executed by processor
Method of payment the step of.
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| CN201811191330.8A CN109345214B (en) | 2018-10-12 | 2018-10-12 | Payment method and system of digital currency wallet system and related components |
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| CN201811191330.8A CN109345214B (en) | 2018-10-12 | 2018-10-12 | Payment method and system of digital currency wallet system and related components |
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| CN109345214B CN109345214B (en) | 2022-07-01 |
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| CN110209724A (en) * | 2019-04-28 | 2019-09-06 | 必成汇(成都)科技有限公司 | The transaction depth map generalization of digital encryption currency spot market and show method |
| CN110443607A (en) * | 2019-07-31 | 2019-11-12 | 中国工商银行股份有限公司 | To creation method, method of commerce and the device of public digital cash wallet |
| CN110956457A (en) * | 2019-11-22 | 2020-04-03 | 肖光昱 | Block chain-based fund digital transfer payment clearing method, device and medium |
| CN111242607A (en) * | 2020-01-06 | 2020-06-05 | 中山市当下科技有限公司 | Point-to-point communication API service interface based on block chain and using method thereof |
| CN111861431A (en) * | 2020-06-08 | 2020-10-30 | 西安艾润物联网技术服务有限责任公司 | Digital currency payment method and system |
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| CN113128982A (en) * | 2021-03-09 | 2021-07-16 | 西安艾润物联网技术服务有限责任公司 | Self-service printing method, device and system based on digital currency payment |
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| CN113657893A (en) * | 2021-08-16 | 2021-11-16 | 四川长虹网络科技有限责任公司 | Digital wallet payment encryption and decryption method and digital wallet |
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| CN113516474A (en) * | 2020-04-10 | 2021-10-19 | 中国工商银行股份有限公司 | Online transaction method and device based on digital cash |
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| CN112712359A (en) * | 2020-12-31 | 2021-04-27 | 深圳市证通电子股份有限公司 | Money receiving method, money receiving device, and readable storage medium |
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| CN113128982A (en) * | 2021-03-09 | 2021-07-16 | 西安艾润物联网技术服务有限责任公司 | Self-service printing method, device and system based on digital currency payment |
| CN113657893A (en) * | 2021-08-16 | 2021-11-16 | 四川长虹网络科技有限责任公司 | Digital wallet payment encryption and decryption method and digital wallet |
| CN113657893B (en) * | 2021-08-16 | 2023-05-23 | 四川长虹网络科技有限责任公司 | Digital wallet payment encryption and decryption method and digital wallet |
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