CN112101921A - Digital currency transferring method and system, Internet of things card and storage medium - Google Patents
Digital currency transferring method and system, Internet of things card and storage medium Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The application provides a method and a system for transferring digital currency, an Internet of things card and a storage medium, wherein the method comprises the following steps: the mobile terminal initiates a first money transfer request to the server, wherein the first money transfer request comprises account information, the unique identification of the target Internet of things card and a first amount of digital money to be transferred; the target Internet of things card receives a money transfer instruction sent by the server, and the money transfer instruction carries the first amount; the money transfer instruction is issued after the server determines that the account associated with the account information has a binding relationship with the target Internet of things card according to the account information and the unique identifier; the target associated card transfers a first amount of digital money within the card to a merchant digital money system on the server to cause the server to transfer the first amount of digital money from the merchant digital money system into the account. This application can appear losing or stolen when thing allies oneself with the card, through the long-range digital currency of transferring out from thing allies oneself with the card of mobile terminal, avoids the risk of digital currency loss.
Description
Technical Field
The application relates to the technical field of digital currency, in particular to a digital currency transferring method, a digital currency transferring system, an Internet of things card and a storage medium.
Background
Central bank digital currency is a new form of currency, digitally issued by central banks, with legal payment capabilities. Generally speaking, digital money can be stored in an internet of things card, the internet of things card is used as a storage device of the digital money, once the digital money is lost or stolen, the loss of a user is large, the problem can be solved only by means of loss report and freezing of the internet of things card, and after loss report, although a person who finds the internet of things card cannot take out the digital money, the user himself cannot operate the digital money in the internet of things card.
Disclosure of Invention
An object of the embodiment of the application is to provide a digital currency transfer method, a digital currency transfer system, an internet of things card and a storage medium, wherein the internet of things card can communicate with a server at the cloud end through a remote transmission module, so that a user can conveniently and timely transfer digital currency out of the internet of things card, and the risk of digital currency loss is avoided.
In a first aspect, an embodiment of the present application provides a method for transferring digital money, including: the mobile terminal initiates a first money transfer request to the server, wherein the first money transfer request comprises account information, a unique identifier of a target object connection card and a first amount of digital money to be transferred; the target Internet of things card receives a money transfer instruction sent by the server, and the money transfer instruction carries the first amount; the money transfer instruction is issued after the server determines that the account associated with the account information has a binding relationship with the target Internet of things according to the account information and the unique identifier; the target associated card transfers the first amount of digital currency within the card to a merchant digital currency system on the server to cause the server to transfer the first amount of digital currency from the merchant digital currency system into the account.
The target Internet of things card has the remote communication capacity, under the condition that the card is stolen or lost, a user can directly and remotely transfer the digital money in the card through the mobile terminal, the fund security of the user is guaranteed, in addition, the digital money in the target Internet of things card only allows the bound account to request to be transferred out, and even if the card is stolen, other people cannot take out the digital money in the card.
In an alternative embodiment, after the target internet card transfers the first amount of digital currency in the card to a merchant digital currency system on the server, the method further comprises: the mobile terminal receives a money transfer success notice sent by the server; the money transfer success notification is issued after the server transfers the digital money with the first amount from a commercial digital money system to the account, and the server transfers the digital money with the first amount to the account after determining that the owner of the digital money with the first amount is matched with first real-name information corresponding to the account information.
After the server passes the double verification of the binding relationship and the owner information of the digital currency, the digital currency in the target Internet of things card is transferred to an account of a user in a business, so that the safety of the digital currency in the card is effectively ensured, and the digital currency in the target Internet of things card is prevented from being transferred out by irrelevant personnel.
In an alternative embodiment, after the target internet card transfers the first amount of digital currency in the card to a merchant digital currency system on the server, the method further comprises: the target Internet card receives the digital currency of the first amount returned by the server and stores the digital currency in the card; and the digital currency with the first amount is returned by the server after determining that the owner of the digital currency with the first amount is not matched with the first real-name information corresponding to the account information.
When the owner of the digital currency is not the real-name user corresponding to the account, the server returns all the digital currency to the target Internet of things card, the digital currency is not allowed to be transferred to the account, and the fund safety is guaranteed.
In an optional implementation manner, after the mobile terminal receives the money transfer success notification sent by the server, the method further includes: the mobile terminal initiating a second money transfer request to the server, the second money transfer request including the account information and a second amount of digital money to be transferred; the mobile terminal receives the digital currency of the second amount sent by the server and stores the digital currency in the wallet; wherein the second amount of digital currency is transferred by the server from the account associated with the account information to the mobile terminal in accordance with the account information.
The user may initiate a second money transfer request to the server via the mobile terminal according to actual demand, requesting to transfer out digital money of a second amount in the merchant account to the mobile terminal.
In an optional embodiment, the method further comprises: the target physical connection card uploads position information to the server; the mobile terminal receives and displays abnormal alarm information issued by the server, wherein the abnormal alarm information is used for reminding a user to initiate the first money transfer request through the mobile terminal; and the abnormal warning information is issued by the server after the target Internet of things card is determined not to be located in the safety position range according to the position information.
The target Internet of things card can detect the position and report the position information to the server, so that a user can conveniently search the position, and meanwhile, when the position of the target Internet of things card exceeds the range of the safe position, the target Internet of things card is indicated to be lost or stolen with high probability, and at the moment, an alarm can be sent to the mobile terminal to remind the user of timely transferring digital currency in the card.
In an optional embodiment, the method further comprises: the mobile terminal initiates a binding request to the server, wherein the binding request comprises the account information and the unique identifier of the target object contact card, so that the server binds the account associated with the account information with the target object contact card after determining that the second real-name information of the holder of the target object contact card is consistent with the first real-name information corresponding to the account information according to the unique identifier.
In an optional implementation manner, after the mobile terminal receives the money transfer success notification sent by the server, the method further includes: the mobile terminal initiating a third money transfer request to the server, the third money transfer request including the account information, the unique identifier of the target internet card, and a third amount of digital money to be transferred; the target Internet of things card receives the digital currency of the third amount sent by the server and stores the digital currency in the card; and the digital currency of the third amount is transferred from the account associated with the account information to the target physical connection card after the server acquires the position information of the target physical connection card according to the unique identifier and determines that the target physical connection card is currently located in a safe position range according to the position information.
The mobile terminal can initiate a third money transfer request to the server to request that the digital money in the business account is transferred to the target internet of things card, and the server can transfer the digital money to the target internet of things card only when the target internet of things card is located within the range of the safe position currently, so that the fund safety of the user is guaranteed.
In a second aspect, an embodiment of the present application provides a digital money transfer system, including: the system comprises a target object connection card, a mobile terminal and a server, wherein the target object connection card and the mobile terminal are communicated with the server; the target Internet of things card is used for reporting position information to the server; the server is used for judging whether the target Internet of things card is located in a safe position range according to the position information and sending abnormal warning information to a corresponding mobile terminal when the target Internet of things card is not located in the safe position range so as to remind a user to initiate a first money transfer request through the mobile terminal; the mobile terminal is used for initiating a first money transfer request to the server, wherein the first money transfer request comprises account information, the unique identification of the target internet card and a first amount of digital money to be transferred; the server is further used for judging whether an account associated with the account information has a binding relationship with the target Internet of things card or not according to the account information and the unique identifier, and issuing a money transfer instruction to the target Internet of things card when the account has the binding relationship, wherein the money transfer instruction carries the first amount; the target Internet of things card is used for receiving the money transfer instruction and transferring the digital money of the first amount in the card to a business digital money system on the server; the server is further configured to transfer the first amount of digital currency from the merchant digital currency system to the account.
In a third aspect, an embodiment of the present application provides an internet of things card, including: a central processing unit; the remote transmission module is connected with the central processing unit and is used for communicating with a server; the central processing unit is used for receiving a money transfer instruction sent by the server through the remote transmission module, wherein the money transfer instruction carries a first amount, and is used for transferring the digital money of the first amount in the card to a business digital money system on the server through the remote transmission module, so that the server transfers the digital money of the first amount from the business digital money system to a corresponding account; and the money transfer instruction is issued after the server determines that the account associated with the account information has a binding relationship with the Internet of things card according to the account information in the first money transfer request and the unique identifier of the Internet of things card.
In a fourth aspect, the present application provides a storage medium having a computer program stored thereon, where the computer program is executed by a processor to perform the steps performed by the mobile terminal in the method according to the first aspect or any one of the optional embodiments of the first aspect.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments of the present application will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and that those skilled in the art can also obtain other related drawings based on the drawings without inventive efforts.
FIG. 1 is a schematic diagram of a digital money transfer system according to an embodiment of the present application;
FIG. 2 is a flow chart of a method of transferring digital currency provided by an embodiment of the present application;
FIG. 3 is another flow chart of a method for transferring digital currency according to an embodiment of the present application;
FIG. 4 is another flow chart of a method of transferring digital currency as provided by an embodiment of the present application;
fig. 5 is a flowchart of a binding process between an account and an associated card in the digital money transfer method according to the embodiment of the present application.
Icon: 110-an physical association card; 120-a mobile terminal; 130-a server; 111-a central processing unit; 112-a remote transmission module; 113-a near field communication module; 114-battery.
Detailed Description
The technical solutions in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application.
The embodiment of the application provides a digital money transfer system and a digital money transfer method, wherein a structural schematic diagram of the digital money transfer system is shown in FIG. 1. As shown in fig. 1, the transfer system includes: the system comprises an internet of things card 110, a mobile terminal 120 and a server 130, wherein the internet of things card 110 and the mobile terminal 120 are in communication connection with the server 130. The internet card 110 includes: the remote transmission module 112, the near field communication module 113 and the battery 114 are all connected with the central processing unit 111, the battery 114 provides power for the central processing unit 111, and the remote transmission module 112 and the near field communication module 113 are connected to the central processing unit 111 to take power. The near field communication module 113 in this embodiment includes, but is not limited to, a bluetooth module, an NFC (near field communication) module, a WIFI module, and the like, and the associated card 110 may communicate with the mobile terminal 120 of the user through the near field communication module 113, for example, data transmission and digital money transfer are performed through a near field communication method, and meanwhile, the associated card 110 may also communicate with the server 130 through the remote transmission module 112, for example, position information is reported to the server 130 through a remote communication method, digital money transfer is performed between the associated card and the server 130, and the like. Of course, in some embodiments, the internet-of-things card 110 may also be provided with only the remote transmission module 112, without the short-range communication module 113, and all operations on the digital money in the internet-of-things card 110 are implemented in a remote manner.
Optionally, the internet of things card periodically detects position information of the internet of things card, and reports the position information to the server through the remote transmission module. After the server receives the position information, the current position of the Internet of things card is updated, a user can access the server through the mobile terminal at any time to obtain the current position of the bound Internet of things card, and position display is carried out on a page of the mobile terminal, so that the user can conveniently search the Internet of things card. Meanwhile, once the internet of things card is in an abnormal position, the possibility shows that the card is stolen or lost, and a user can use the mobile terminal to request to transfer the balance of the digital currency in the internet of things card to the server, so that the loss of the digital currency is reduced. The Internet of things card can also periodically detect the current electric quantity of the battery, when the current electric quantity is lower than a set threshold value, a low-electric-quantity alarm is generated and the low-electric-quantity alarm and the position information of the server are reported to the server, the server sends out an article Internet of things card low-electric-quantity alarm prompt to a mobile terminal of a user, and the user can find the card in time according to the position information of the Internet of things card and carry out operations such as battery replacement or charging on the card.
It should be understood that the digital currency referred to in the embodiments of the present application refers to legal tender legal currency digitally issued or authorized to be issued by a central bank, the digital currency has corresponding owner information, the owner information of the digital currency can be sent by a commercial bank digital currency system to the central bank digital currency system to request for owner change, and the digital currency can be transacted online or offline among users.
The embodiment of the application provides a method for transferring digital currency, fig. 2 shows a flow chart of the method, and as shown in fig. 2, the method comprises the following steps:
step 210: the mobile terminal initiates a first money transfer request to the server, the first money transfer request including account information, a unique identification of the target associated card, and a first amount of digital money to be transferred.
The user initiates a first money transfer request to the server through the mobile terminal to request to transfer out the digital money in the target Internet of things card. The target internet card refers to an internet card designated by a user to perform a digital money transfer operation. Each of the cards has a unique identifier for uniquely identifying the card, which may be the MAC address of the card, or a pre-assigned ID, or the IPV6 address of the card, etc.
The mobile terminal is internally provided with an APP, the APP can be a business APP, a user logs in an account of a business in the business APP, or logs in the account in a mode of an applet, a micro-service and a webpage, and after the account is logged in, the mobile terminal can initiate a first money transfer request to the server through the account.
In a specific embodiment, the target internet of things card periodically detects the position information of the target internet of things card and reports the position information to the server through the remote transmission module. The server judges whether the target Internet of things card is located in a safe position range according to the position information reported by the target Internet of things card; if the target Internet of things card is not located in the range of the safe position, the probability shows that the target Internet of things card is stolen or lost, and then the server sends abnormal alarm information to an account bound with the target Internet of things card. The user can obtain the abnormal warning information through the account logged in the mobile terminal, and can timely initiate a first money transfer request to the server through the mobile terminal, so that the loss of digital money in the card is avoided. Of course, when the target internet card is not lost, at any time node, as long as the user wants to transfer out the digital money in the target internet card, the first money transfer request can be initiated through the mobile terminal.
In an embodiment, the target internet of things card periodically detects the current position of the target internet of things card and reports the current position of the target internet of things card, a safety zone preset by a user is stored in a server, for example, in a home or a company, after receiving the current position reported by the target internet of things card, the server judges whether the current position of the target internet of things card is located within the preset safety zone, namely, whether the current position of the target internet of things card is located in the home or the company, and if the current position of the target internet of things card is located within the safety zone, the target internet of things card is safe and is not. If the target Internet of things card is located outside the safe area, the target Internet of things card can be lost.
In another embodiment, the target association card periodically detects the distance information between itself and the mobile terminal, for example, the target association card searches the bluetooth information of the mobile terminal through the bluetooth module, determines the bluetooth signal strength of the mobile terminal according to the obtained bluetooth information, estimates the distance between itself and the mobile terminal according to the bluetooth signal strength, and periodically reports the distance information to the server. Of course, the target internet of things card may also detect distance information between itself and the mobile terminal through other short-range communication methods, which is not limited in this embodiment. And after receiving the distance information, the server judges whether the distance between the target Internet of things card and the mobile terminal is greater than a preset threshold value, if so, the target Internet of things card is far away from the mobile terminal, the target Internet of things card is possibly lost, and if not, the target Internet of things card is safe and is not lost. It is understood that, in the above example, if the target associated card does not search the bluetooth information of the mobile terminal, indicating that the target associated card is far away from the mobile terminal, the target associated card determines the distance between the two as a large number (e.g., infinity), and reports the obtained distance information.
The two embodiments can be combined with each other, after receiving the current position and the distance information of the target object connection card, the server judges whether the current position of the target object connection card is located within a preset safety region or not, and judges whether the distance between the target object connection card and the mobile terminal is greater than a preset threshold or not, and if the current position of the target object connection card is not located within the preset safety region and the distance between the target object connection card and the mobile terminal is greater than the preset threshold, the server determines that the target object connection card is not located within the safety position range; if the current position of the target object connection card is located in a preset safety area (even if the distance between the target object connection card and the mobile terminal is larger than a preset threshold), or the distance between the target object connection card and the mobile terminal is not larger than the preset threshold (even if the current position of the target object connection card is not located in the preset safety area), the target object connection card is regarded as being located in the safety position range.
It is understood that the digital money in this embodiment may be stored in a digital chip card, the digital chip card may include a visible bluetooth IC card, an IC card form, a mobile phone-eSE card form, a mobile phone-secure SD card form, or a mobile phone-SIM card form, the digital money may also be stored in an internet of things card, in addition, the digital money may also be stored in an APP, a payroll, a wechat, or the like of a commercial bank, the digital money that is not extracted by the user is stored in an account opened by the user in the commercial bank, the account needs to be registered with a real name, and the account information of the account is included in the first money request initiated by the mobile terminal.
Step 220: the server receives the first money transfer request, and judges whether an account associated with the account information has a binding relationship with the target physical connection card or not according to the account information and the unique identifier; if the binding relationship exists, skipping to execute step 230; if not, go to step 260.
The server receives a first money transfer request of the mobile terminal, and obtains account information, the unique identification of the target internet card and a first amount of digital money to be transferred. The server judges whether the account related to the account information has a binding relationship with the target physical contact card or not according to the account information and the unique identification of the target physical contact card, the digital money in the target physical contact card is only allowed to be transferred by the bound real-name account, and if the account is not in the binding relationship with the target physical contact card, the digital money in the target physical contact card is not allowed to be transferred out, so that the safety of the digital money in the card is ensured. If the account and the target Internet of things card are bound, the digital money in the target Internet of things card is allowed to be transferred out, and then, the step 230 is executed to issue a money transfer instruction to the target Internet of things card.
Step 230: the server issues a money transfer instruction to the target Internet of things card, wherein the money transfer instruction carries a first amount and is used for instructing the target Internet of things card to transfer the digital money of the first amount to a business digital money system on the server.
Step 240: the target associated card transfers the digital currency of the first amount in the card to a merchant digital currency system on a server.
The server issues a money transfer instruction to the target Internet of things card according to the first amount requested to be transferred by the mobile terminal, and instructs the target Internet of things card to transfer the digital money of the first amount to the business digital money system. A business digital currency system, which may be the digital currency system of any commercial bank, is deployed on the server. And after receiving the money transfer instruction, the target Internet of things card transfers the digital money with the first amount to a business digital money system arranged in the server through the remote transmission module.
The digital currency is transferred in a data packet transmission mode, the target Internet of things card encrypts a data packet of the digital currency with the first amount and sends the encrypted digital currency to the server, and the server receives and decrypts the encrypted data packet to obtain the digital currency with the first amount.
Step 250: the server transfers a first amount of digital currency from the merchant digital currency system to the account within the merchant digital currency system.
The server transfers the digital currency in the merchant digital currency system after receiving the digital currency of the first amount transferred by the target internet of things card and stores the digital currency in the account in the merchant digital currency system.
Optionally, after receiving the digital money of the first amount transferred by the target internet of things card, the server determines whether the owner of the digital money transferred by the target internet of things card matches with the first real-name information corresponding to the account information; and if the owner of the digital currency is matched with the first real-name information corresponding to the account information, storing the digital currency of the first amount transferred by the target Internet of things card into an account of a business of the user. Further, when the owner of the digital currency is not matched with the first real-name information corresponding to the account information, all the digital currency of the first amount transferred by the target Internet of things card is returned to the target Internet of things card, and the target Internet of things card receives the digital currency of the first amount returned by the server and stores the digital currency in the card. Through a double judgment mechanism of the binding relationship and the owner information of the digital currency, the safety of the digital currency in the card is effectively ensured, and irrelevant personnel are prevented from transferring the digital currency in the target object-linked card out.
It can be understood that the owner information of each digital currency is stored and changed by the central bank, and the server initiates an owner information inquiry request to the central row digital currency system according to the identification codes of all digital currencies transferred by the target internet card to acquire the owner information of the digital currencies transferred by the target internet card.
After the server transfers the first amount of digital money from the merchant digital money system to the account, the server sends a money transfer success notification to the mobile terminal to inform the mobile terminal that the digital money transfer was successful.
Step 260: the server rejects the first money-transfer request and sends a rejection notification to the mobile terminal.
After judging whether the account associated with the account information has a binding relationship with the target Internet of things card or not, if the account has a non-binding relationship with the target Internet of things card, the server does not allow the digital money in the target Internet of things card to be transferred out, and therefore the first money transfer request of the mobile terminal is rejected.
Further, after the server stores the first amount of digital money in the account opened by the user in the digital money system of the business, the user can decide whether to transfer the digital money from the account in the digital money system of the business to the mobile terminal according to actual needs.
Optionally, referring to fig. 3, the method for transferring digital money further includes:
step 310: the mobile terminal initiates a second money transfer request to the server, the second money transfer request including account information and a second amount of digital money to be transferred.
Step 320: the server transfers a second amount of digital currency from the account associated with the account information to the mobile terminal based on the account information.
Step 330: the mobile terminal receives the digital money of the second amount sent by the server and stores it in the wallet.
The user may initiate a second money transfer request to the server via the mobile terminal based on actual demand to withdraw digital money from the user's account within the merchant digital money system. In a particular embodiment, the server is responsive to a second money transfer request from the mobile terminal to extract a corresponding amount of digital money from the account in accordance with a second amount specified by the second money transfer request and to send the second amount of digital money to the mobile terminal, which stores the digital money in an electronic purse in the commercial bank APP. In the digital currency circulation link, digital currency can be transferred between two electronic purses to complete transaction payment. It will be appreciated that the second amount may or may not be equal to the first amount.
Optionally, referring to fig. 4, the transferring method further includes:
step 410: the mobile terminal initiates a third money transfer request to the server, the third money transfer request including the account information, the unique identification of the target associated card, and a third amount of digital money to be transferred.
Step 420: the server acquires the position information of the target object connection card according to the unique identifier and judges whether the target object connection card is located in a safe position range currently according to the position information; and if the target Internet of things card is currently located in the safe position range, skipping to execute step 430.
The step of determining whether the target association card is located within the safety position range is consistent with the foregoing embodiment, and may be determining whether the current position of the target association card is located within a preset safety region, and/or determining whether a distance between the target association card and the mobile terminal is greater than a preset threshold value, and obtaining a determination result. And if the target Internet of things card is not located within the safe position range, rejecting a third money transfer request of the mobile terminal.
Step 430: the server transfers a third amount of digital currency from the account associated with the account information to the target affiliate card based on the account information.
Step 440: the target internet of things card receives the digital money of the third amount sent by the server and stores it in the card.
Step 410-. Of course, the step 410-440 may be at any time node, and the third money transfer request may be initiated by the mobile terminal whenever the user wants to recharge the digital money balance in the target internet of things card.
The account logged in the mobile terminal APP needs to be associated and bound with the Internet of things card, one account can simultaneously bind a plurality of Internet of things cards, but the plurality of Internet of things cards necessarily correspond to the same user, and after the binding, the binding relationship between the account and the Internet of things cards is recorded in the server. Optionally, referring to fig. 5, in the transfer method, a binding process between the account and the target internet access card includes:
step 510: the mobile terminal initiates a binding request to the server, wherein the binding request comprises account information and the unique identification of the target physical connection card.
Step 520: and the server determines second real-name information of the owner according to the unique identifier of the target Internet of things card.
Step 530: the server determines whether the second real name information is consistent with the first real name information corresponding to the account information, and if so, executes step 540.
Step 540: and the server binds the target object contact card with the account associated with the account information.
Specifically, a user logs in an account through an APP (or applet, microservice, etc.) in the mobile terminal, then inputs a unique identifier of a target internet card, and submits a binding request. The method comprises the steps that real-name information of a card holder of each Internet of things card is recorded in a background when each Internet of things card is issued, therefore, after a binding request is received by a server, the real-name information of the holder of the target Internet of things card is inquired according to the unique identifier of the target Internet of things card, second real-name information is obtained, meanwhile, the server obtains first real-name information of a user according to an account, the first real-name information is compared with the second real-name information, if the first real-name information is consistent with the second real-name information, the target Internet of things card is associated and bound with the account, the binding relation between the account and the target Internet of things card is recorded in a database, if the first real-name information is inconsistent with the second real-name information, the binding request of a mobile terminal is refused, and the account is not allowed to be bound with the target Internet of things card.
After the binding is finished, the user can operate the digital currency in the bound physical card through the mobile terminal. The mobile terminal can transfer the digital money from the electronic wallet in the APP to the internet of things card for storage through the near field communication module (such as bluetooth, NFC, etc.), or transfer the digital money from the internet of things card to the electronic wallet for storage through the near field communication module, of course, the mobile terminal can also initiate a transfer request, so that the internet of things card transfers the digital money to the business digital money system first through remote communication, then the server transfers the digital money to an account of the user in the business digital money system (the digital money is transferred in the system), and finally the digital money is transferred from the account to the mobile terminal through remote communication.
Optionally, the digital money may be transferred between the mobile terminal and the internet of things card, and taking the example of transferring from an electronic wallet in the mobile terminal to the internet of things card, this transfer mode may be regarded as a recharge of the digital money of the internet of things card, and the transfer mode is as follows:
the electronic wallet is pre-allocated with a pair of public and private keys, namely a first public key and a first private key, and the internet of things card is pre-allocated with a pair of public and private keys, namely a second public key and a second private key, wherein the two pairs of public and private keys can be issued by a server, the first public key can be a mobile phone number, a mailbox and the like bound to a login account in the mobile terminal, and the second public key can be a unique identifier of the internet of things card. If the mobile terminal wants to transfer the digital money of the fourth amount in the electronic wallet to the internet of things card, firstly, the mobile terminal encrypts a data packet corresponding to the digital money of the fourth amount by using a second public key of the internet of things card, signs the encrypted data packet by using a first private key, and sends the signed encrypted data packet to the internet of things card through a near-distance communication mode such as Bluetooth or NFC. And then, the Internet of things card receives the signed encrypted data packet, the first public key is used for checking the signature of the encrypted data packet, and after the signature passes the verification, the second private key of the Internet of things card is used for decrypting the encrypted data packet to obtain the digital currency with the fourth amount, so that the recharging of the digital currency is completed.
In summary, the method and system for transferring digital money provided by the embodiment of the present application have the following technical effects:
when the number of the digital currencies is large, the digital currencies are all stored in one mobile phone, the situations that the mobile phone is lost, stolen and brushed and the like easily occur, and the digital currencies can not be recovered after being stolen and brushed are easily. The Internet of things card can be positioned in real time, and reports the position to the server through the remote transmission module, so that a user can conveniently search the position; and because the thing allies oneself with the card and possesses the telecommunication ability, can directly long-rangely shift away the digital currency in the card under the stolen or lost condition of card, guarantee user's fund safety, moreover, the digital currency in the thing allies oneself with the card only allows the account that is bound to deposit and take out with the short-range communication mode or through the server, even if the card is stolen, other people can't take out the digital currency in the card. In addition, the Internet of things card can also perform low-power alarm, when the current battery power is lower than a threshold (such as 20%) set by a user, the alarm is started, the current power and the current position are reported to the server, and the mobile terminal can obtain the current power and the current position of the Internet of things card through the server, so that the user can charge or replace the battery in time.
Optionally, an embodiment of the present application further provides a storage medium, where the storage medium stores a computer program, and the computer program is executed by a processor to perform the steps performed by the mobile terminal, the internet of things card, or the server in the digital money transfer method provided by the present application.
Optionally, an embodiment of the present application further provides an electronic device, including: the system comprises a processor, a memory and a bus, wherein the memory stores machine readable instructions executable by the processor, the processor and the memory are communicated through the bus when the server runs, and the machine readable instructions are executed by the processor to execute the steps executed by the mobile terminal, the physical connection card or the server in the digital money transfer method provided by the application.
In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions.
The above description is only an example of the present application and is not intended to limit the scope of the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (10)
1. A method of transferring digital currency, comprising:
the mobile terminal initiates a first money transfer request to the server, wherein the first money transfer request comprises account information, a unique identifier of a target object connection card and a first amount of digital money to be transferred;
the target Internet of things card receives a money transfer instruction sent by the server, and the money transfer instruction carries the first amount; the money transfer instruction is issued after the server determines that the account associated with the account information has a binding relationship with the target Internet of things according to the account information and the unique identifier;
the target associated card transfers the first amount of digital currency within the card to a merchant digital currency system on the server to cause the server to transfer the first amount of digital currency from the merchant digital currency system into the account.
2. The method of claim 1, wherein after the target internet card transfers the first amount of digital currency in the card to a merchant digital currency system on the server, the method further comprises:
the mobile terminal receives a money transfer success notice sent by the server; the money transfer success notification is issued after the server transfers the digital money with the first amount from a commercial digital money system to the account, and the server transfers the digital money with the first amount to the account after determining that the owner of the digital money with the first amount is matched with first real-name information corresponding to the account information.
3. The method of claim 1 or 2, wherein after the target internet card transfers the first amount of digital currency within the card to a merchant digital currency system on the server, the method further comprises:
the target Internet card receives the digital currency of the first amount returned by the server and stores the digital currency in the card; and the digital currency with the first amount is returned by the server after determining that the owner of the digital currency with the first amount is not matched with the first real-name information corresponding to the account information.
4. The method according to claim 1, wherein after the mobile terminal receives the money transfer success notification sent by the server, the method further comprises:
the mobile terminal initiating a second money transfer request to the server, the second money transfer request including the account information and a second amount of digital money to be transferred;
the mobile terminal receives the digital currency of the second amount sent by the server and stores the digital currency in the wallet; wherein the second amount of digital currency is transferred by the server from the account associated with the account information to the mobile terminal in accordance with the account information.
5. The method of claim 1, further comprising:
the target physical connection card uploads position information to the server;
the mobile terminal receives and displays abnormal alarm information issued by the server, wherein the abnormal alarm information is used for reminding a user to initiate the first money transfer request through the mobile terminal; and the abnormal warning information is issued by the server after the target Internet of things card is determined not to be located in the safety position range according to the position information.
6. The method of claim 1, further comprising:
the mobile terminal initiates a binding request to the server, wherein the binding request comprises the account information and the unique identifier of the target object contact card, so that the server binds the account associated with the account information with the target object contact card after determining that the second real-name information of the holder of the target object contact card is consistent with the first real-name information corresponding to the account information according to the unique identifier.
7. The method of claim 2, wherein after the mobile terminal receives the money transfer success notification sent by the server, the method further comprises:
the mobile terminal initiating a third money transfer request to the server, the third money transfer request including the account information, the unique identifier of the target internet card, and a third amount of digital money to be transferred;
the target Internet of things card receives the digital currency of the third amount sent by the server and stores the digital currency in the card; and the digital currency of the third amount is transferred from the account associated with the account information to the target physical connection card after the server acquires the position information of the target physical connection card according to the unique identifier and determines that the target physical connection card is currently located in a safe position range according to the position information.
8. A system for transferring digital currency, comprising: the system comprises a target object connection card, a mobile terminal and a server, wherein the target object connection card and the mobile terminal are communicated with the server; wherein:
the target Internet of things card is used for reporting position information to the server;
the server is used for judging whether the target Internet of things card is located in a safe position range according to the position information and sending abnormal warning information to a corresponding mobile terminal when the target Internet of things card is not located in the safe position range so as to remind a user to initiate a first money transfer request through the mobile terminal;
the mobile terminal is used for initiating a first money transfer request to the server, wherein the first money transfer request comprises account information, the unique identification of the target internet card and a first amount of digital money to be transferred;
the server is further used for judging whether an account associated with the account information has a binding relationship with the target Internet of things card or not according to the account information and the unique identifier, and issuing a money transfer instruction to the target Internet of things card when the account has the binding relationship, wherein the money transfer instruction carries the first amount;
the target Internet of things card is used for receiving the money transfer instruction and transferring the digital money of the first amount in the card to a business digital money system on the server;
the server is further configured to transfer the first amount of digital currency from the merchant digital currency system to the account.
9. An internet of things card, comprising:
a central processing unit;
the remote transmission module is connected with the central processing unit and is used for communicating with a server;
the central processing unit is used for receiving a money transfer instruction sent by the server through the remote transmission module, wherein the money transfer instruction carries a first amount, and is used for transferring the digital money of the first amount in the card to a business digital money system on the server through the remote transmission module, so that the server transfers the digital money of the first amount from the business digital money system to a corresponding account; and the money transfer instruction is issued after the server determines that the account associated with the account information has a binding relationship with the Internet of things card according to the account information in the first money transfer request and the unique identifier of the Internet of things card.
10. A storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, performs the steps performed by a mobile terminal in the method according to any of claims 1-7.
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| CN202011029343.2A CN112101921A (en) | 2020-09-25 | 2020-09-25 | Digital currency transferring method and system, Internet of things card and storage medium |
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| CN202011029343.2A CN112101921A (en) | 2020-09-25 | 2020-09-25 | Digital currency transferring method and system, Internet of things card and storage medium |
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Effective date of registration: 20230309 Address after: 519085 No. 68, Jinhong 7th Road, High-tech Zone, Zhuhai City, Guangdong Province Applicant after: ZHUHAI UNITECH POWER TECHNOLOGY Co.,Ltd. Address before: 519000 1 E301-17, 1 Harbin Industrial Road, Tangjia Bay, Zhuhai high tech Zone, Guangdong Applicant before: ZHUHAI UTAIOT TECHNOLOGY Co.,Ltd. |