CN113128983A - Method for paying digital currency, electronic device and computer storage medium - Google Patents
Method for paying digital currency, electronic device and computer storage medium Download PDFInfo
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- 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
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- 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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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Abstract
The invention discloses a payment method of digital currency, electronic equipment and a computer storage medium, wherein the payment method of the digital currency comprises the following steps: identifying the transaction graphic code to acquire address information of the transaction platform and first account information of a payee, entering a payment interface, and acquiring a digital currency transaction amount; displaying the digital currency transaction amount and the first account information of the payee on a payment interface; and when a payment instruction triggered by the payment interface is received, the digital currency transaction amount, the first account information and the second account information of the payment terminal are sent to the transaction platform according to the address information, so that the problem of complicated transaction of third-party payment software is solved, and the transaction efficiency is improved.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a method for paying digital money, an electronic device, and a computer storage medium.
Background
At present, payment realized based on electronic accounts in China is quite common, electronic payment mode gradually replaces paper money payment, in the prior art, in the process of electronic payment, third-party payment software such as WeChat and Paibao is generally needed to be adopted for payment, and the third-party payment software sends payment amount to a bank account bound by a user, so that the whole transaction process is complicated.
Disclosure of Invention
The invention mainly aims to provide a payment method of digital currency, electronic equipment and a computer storage medium, and aims to solve the problem that third-party payment software transaction is complicated.
To achieve the above objects, the present invention provides a payment method of digital money applied to a payment terminal;
in one embodiment, the method for payment of digital currency comprises the steps of:
identifying the transaction graphic code to acquire address information of the transaction platform and first account information of a payee, entering a payment interface, and acquiring a digital currency transaction amount;
displaying the digital currency transaction amount and the first account information of the payee on a payment interface;
and when a payment instruction triggered by the payment interface is received, sending the digital currency transaction amount, the first account information and the second account information of the payment terminal to the transaction platform according to the address information.
In one embodiment, the step of identifying the transaction graphic code to obtain address information of the transaction platform and first account information of the payee, entering a payment interface, and obtaining the transaction amount of the digital currency comprises:
scanning the two-dimensional code in the transaction graphic code to acquire first account information of a payee;
acquiring address information of the trading platform according to the image identifier in the trading graphic code;
and acquiring the digital currency transaction amount according to the address information of the transaction platform.
In an embodiment, the step of obtaining the address information of the trading platform according to the image identifier in the trading graphic code includes:
collecting the characteristic information of the image identifier in the transaction graphic code;
and acquiring the address information of the transaction platform according to the characteristic information.
In an embodiment, after the step of sending the transaction amount, the first account information, and the second account information of the payment terminal to the transaction platform according to the address information, the method includes:
and after receiving the information of successful transaction fed back by the transaction platform, updating balance information in the local digital currency wallet according to the transaction amount of the digital currency.
In an embodiment, the image identifier is generated according to attribute information of a user corresponding to the payment receiving terminal.
In order to achieve the purpose, the invention also provides a payment method of the digital currency applied to the collection terminal;
in one embodiment, the method for payment of digital currency comprises:
after receiving a digital currency collection instruction, acquiring first account information of a payee and address information of a transaction platform;
and generating a transaction graphic code according to the first account information and the address information.
In one embodiment, the step of generating the transaction graphic code according to the first account information and the address information includes:
generating a two-dimensional code according to the first account information;
generating an image identifier corresponding to the address information;
and generating the transaction graphic code according to the two-dimensional code and the image identifier.
In an embodiment, the step of generating the image identifier corresponding to the address information includes:
acquiring attribute information of a user corresponding to the collection terminal;
generating the image identification according to the attribute information;
and associating and storing the characteristic information of the image identifier and the address information.
To achieve the above object, the present invention also provides an electronic device including a memory, a processor, and a payment program of digital money stored in the memory and executable on the processor, the payment program of digital money implementing the steps of the payment method of digital money as described above when executed by the processor.
To achieve the above object, the present invention also provides a computer storage medium storing a payment program for digital money, which realizes the respective steps of the payment method for digital money as described above when executed by a processor.
The invention provides a payment method of digital money, electronic equipment and a computer storage medium, which display a transaction graphic code at a receiving terminal, the payment terminal acquires address information of a transaction platform and first account information of a receiving party by identifying the transaction graphic code, then enters a payment interface, acquires a digital money transaction amount, displays the digital money transaction amount and the first account information of the receiving party on the payment interface, sends the digital money transaction amount, the first account information and second account information of the payment terminal to the transaction platform according to the address information when receiving a payment instruction triggered by the payment interface, acquires all information required in the digital money transaction process by identifying the transaction graphic code, realizes automatic payment and deduction, and solves the problem of fussy third party payment software transaction in the prior art, the transaction efficiency is improved.
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Fig. 1 is a schematic structural diagram of an electronic device according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart showing a payment method of digital money according to a first embodiment of the present invention;
FIG. 3 is a flowchart illustrating a payment method of digital money according to a second embodiment of the present invention;
FIG. 4 is a flowchart illustrating a payment method of digital money according to a third embodiment of the present invention;
FIG. 5 is a flowchart illustrating a method of paying for digital money according to a fourth embodiment of the present invention;
fig. 6 is a flowchart illustrating a payment method of digital money according to a fifth embodiment of the present invention;
fig. 7 is a flowchart illustrating a payment method of digital money according to a sixth embodiment of the present invention;
fig. 8 is a flowchart illustrating a payment method of digital money according to a seventh embodiment of the present invention;
FIG. 9 is a schematic view of a transaction graphic code at the checkout terminal;
FIG. 10 is a schematic view of a payment terminal transaction graphic code;
the implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
When the method is applied to a payment terminal, a transaction graphic code is identified to obtain address information of a transaction platform and first account information of a payee, the transaction graphic code enters a payment interface, and the transaction amount of digital money is obtained; displaying the digital currency transaction amount and the first account information of the payee on a payment interface; when a payment instruction triggered by the payment interface is received, sending the digital currency transaction amount, the first account information and the second account information of the payment terminal to the transaction platform according to the address information; when the method is applied to a money receiving terminal, after a digital currency receiving instruction is received, first account information of a receiver and address information of a transaction platform are acquired; and according to the technical scheme of generating the transaction graphic code according to the first account information and the address information, the transaction efficiency is improved.
For a better understanding of the above technical solutions, exemplary embodiments of the present application will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present application are shown in the drawings, it should be understood that the present application may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As shown in fig. 1, fig. 1 is a schematic structural diagram of a hardware operating environment according to an embodiment of the present invention.
Fig. 1 may be a schematic structural diagram of a hardware operating environment of an electronic device.
As shown in fig. 1, the electronic device may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001. Optionally, the electronic device may further include a camera, RF (Radio Frequency) circuitry, sensors, audio circuitry, a WiFi module, and so forth. Such as light sensors, motion sensors, and other sensors. Specifically, the light sensor may include an ambient light sensor that may adjust the brightness of the display screen according to the brightness of ambient light, and a proximity sensor that may turn off the display screen and/or the backlight when the mobile terminal is moved to the ear. Of course, the electronic device may also be configured with other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which are not described herein again.
Those skilled in the art will appreciate that the electronic device configuration shown in fig. 1 does not constitute a limitation of the electronic device, and that the electronic device may include more or fewer components than shown, or some components may be combined, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and a payment program for digital money. Among them, the operating system is a program for managing and controlling hardware and software resources of the electronic device, a payment program for digital money, and the operation of other software or programs.
In the electronic device shown in fig. 1, the user interface 1003 is mainly used for connecting a terminal and performing data communication with the terminal; the network interface 1004 is mainly used for the background server and performs data communication with the background server; the processor 1001 may be used to invoke a payment program for digital currency stored in the memory 1005.
In this embodiment, the electronic device includes: a memory 1005, a processor 1001 and a payment program in digital currency stored on said memory and executable on said processor, wherein:
in the embodiment of the present application, the processor 1001 may be configured to call a payment program of digital money stored in the memory 1005, and perform the following operations:
identifying the transaction graphic code to acquire address information of the transaction platform and first account information of a payee, entering a payment interface, and acquiring a digital currency transaction amount;
displaying the digital currency transaction amount and the first account information of the payee on a payment interface;
and when a payment instruction triggered by the payment interface is received, sending the digital currency transaction amount, the first account information and the second account information of the payment terminal to the transaction platform according to the address information.
In the embodiment of the present application, the processor 1001 may be configured to call a payment program of digital money stored in the memory 1005, and perform the following operations:
scanning the two-dimensional code in the transaction graphic code to acquire first account information of a payee;
acquiring address information of the trading platform according to the image identifier in the trading graphic code;
and acquiring the digital currency transaction amount according to the address information of the transaction platform.
In the embodiment of the present application, the processor 1001 may be configured to call a payment program of digital money stored in the memory 1005, and perform the following operations:
collecting the characteristic information of the image identifier in the transaction graphic code;
and acquiring the address information of the transaction platform according to the characteristic information.
In the embodiment of the present application, the processor 1001 may be configured to call a payment program of digital money stored in the memory 1005, and perform the following operations:
and after receiving the information of successful transaction fed back by the transaction platform, updating balance information in the local digital currency wallet according to the transaction amount of the digital currency.
In the embodiment of the present application, the processor 1001 may be configured to call a payment program of digital money stored in the memory 1005, and perform the following operations:
after receiving a digital currency collection instruction, acquiring first account information of a payee and address information of a transaction platform;
and generating a transaction graphic code according to the first account information and the address information.
In the embodiment of the present application, the processor 1001 may be configured to call a payment program of digital money stored in the memory 1005, and perform the following operations:
generating a two-dimensional code according to the first account information;
generating an image identifier corresponding to the address information;
and generating the transaction graphic code according to the two-dimensional code and the image identifier.
In the embodiment of the present application, the processor 1001 may be configured to call a payment program of digital money stored in the memory 1005, and perform the following operations:
acquiring attribute information of a user corresponding to the collection terminal;
generating the image identification according to the attribute information;
and associating and storing the characteristic information of the image identifier and the address information.
Since the electronic device provided in the embodiment of the present application is an electronic device used for implementing the method in the embodiment of the present application, based on the method described in the embodiment of the present application, a person skilled in the art can understand a specific structure and a modification of the electronic device, and thus details are not described herein. All electronic devices used in the method of the embodiments of the present application are within the scope of the present application. The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
For a software implementation, the techniques described in this disclosure may be implemented with modules (e.g., procedures, functions, and so on) that perform the functions described in this disclosure. The software codes may be stored in a memory and executed by a processor. The memory may be implemented within the processor or external to the processor.
Based on the above structure, an embodiment of the present invention is provided, in this embodiment, the payment terminal or the collection terminal is an electronic device installed with a digital currency wallet, such as a smart phone, a smart POS machine, or other special-purpose devices, when the payment terminal is a smart phone, the transaction graphic code is identified by a camera on the smart phone, and when the payment terminal is a smart POS machine, the transaction graphic code is identified by a code reader on the smart POS machine; the transaction image code can be generated by a collection terminal or a payment terminal, and the application takes the example that the transaction image code is generated by the collection terminal and the payment terminal scans the transaction image code on the collection terminal to pay, and discusses the transaction image code.
Referring to fig. 2, fig. 2 is a schematic flow chart of a payment method of digital currency according to a first embodiment of the present invention, including the following steps:
step S110, identifying the transaction graphic code to obtain the address information of the transaction platform and the first account information of the payee, entering a payment interface, and obtaining the transaction amount of the digital currency.
In this embodiment, the address information is an address link corresponding to a payment interface of the transaction platform; the payee may be an enterprise, an individual, or the like, and when the payee is an enterprise, the first account information includes at least one of an enterprise license number and an enterprise phone number; when the payee is an individual, the first account information includes at least one of an individual identification number and an individual phone number.
In this embodiment, the transaction graphic code is generated by a cash receiving terminal, and the difference from the existing ordinary payment two-dimensional code is that when the ordinary payment two-dimensional code is recognized, the image identifier in the payment two-dimensional code is not recognized, and after the payment two-dimensional code is recognized, the payment interface of the third-party platform software is skipped to, the payment is performed on the payment interface of the third-party platform software, and then the payment result is sent to the transaction platform bound with the third-party platform software, and at least integrated information in the transaction graphic code of the application includes: account information, characteristic information, attribute information, address information of a transaction platform and the like, a corresponding first account of a payee and the address information of the transaction platform are obtained by identifying a two-dimensional code in a transaction graphic code, a payment interface bound with the address information is identified automatically, meanwhile, the digital currency transaction amount can be obtained according to the address information in the transaction graphic code, the transaction platform is different from a third party platform software, the transaction platform is a national currency transaction system, the transaction platform is a bank system with national digital currency transaction qualification authentication, when a cash-receiving terminal is used for the first time, a default transaction platform is used, meanwhile, the payee can log in the national currency transaction system to modify and select a proper bank system with the national digital currency transaction qualification authentication, the bank system is bound with the account information, and each transaction platform corresponds to a unique address information, when the trading platform changes, the address information correspondingly changes, so that when the change of the address information of the trading platform is detected, the information in the trading graphic code can be automatically updated.
And step S120, displaying the digital currency transaction amount and the first account information of the payee on a payment interface.
In the embodiment, when the transaction graphic code is scanned and identified, address information in the transaction graphic code is acquired, the address information is associated with a payment interface of the transaction platform, the transaction platform is automatically logged in and jumps to the corresponding payment interface, meanwhile, the digital currency transaction amount and the first account information of the payee are displayed on the payment interface, and the identity information of the payee and the digital currency transaction amount to be paid can be confirmed through the visual digital currency transaction amount and the first account information; specifically, the payment terminal device is started, a digital currency application program is installed on the payment terminal, the digital currency application program can be a digital currency wallet, and can log in a payment interface of the transaction platform by operating the payment terminal device, for example, when the payment terminal is a smart phone, a special start key on the digital currency wallet installed on the smart phone is started to scan a transaction graphic code, and a payment interface related to the digital currency transaction platform preset in the payment terminal is skipped to, wherein the payment interface can be an interface where the digital currency wallet resides for a long time in the smart phone or a payment interface related to address information included in the transaction graphic code, and meanwhile, a corresponding digital currency transaction amount is displayed on the payment interface according to the address information.
And step S130, when a payment instruction triggered by the payment interface is received, sending the digital currency transaction amount, the first account information and the second account information of the payment terminal to the transaction platform according to the address information.
In this embodiment, the payment account of the payment terminal may also be an enterprise, an individual, or the like, and when the payment account of the payment terminal is an enterprise, the second account information includes a name of the enterprise of the payment terminal, a trademark of the enterprise, or the like; when the payment account of the payment terminal is an individual, the second account information includes an individual name, an individual image, and the like.
In the embodiment, when the payment interface triggers the payment instruction and obtains the transaction amount to be paid, the receiver account of the corresponding digital money is confirmed, and the payment of the fee such as the purchase of the product or the purchase of the service is made to the receiver of the digital money, specifically, the transaction amount to be paid, the first account information of the payee and the second account information of the payment account are sent to the transaction platform according to the address information in the transaction graphic code, and other related information in the payment process can be sent according to the address information in the transaction graphic code, for example, the commodity name, the payment time, the payment type, the payment mode or the transaction order number and other information are sent to the transaction platform, so that the transaction platform based on the national currency transaction system can automatically complete the transaction operations of payment, deduction or transfer and the like, and after the payment is completed, the balance of the digital currency wallet of the payment terminal can be automatically updated.
In the technical scheme of the embodiment, the transaction graphic code of the digital currency displayed on the payment terminal is identified by starting an application program starting key on a digital currency transaction program on the payment terminal, the payee is determined by first account information in the transaction graphic code, the transaction interface related to the transaction platform is skipped to by address information in the transaction graphic code, the transaction amount and the first account information of the digital currency are displayed on the payment interface, and when a payment instruction sent by the payment interface is received, the transaction amount, the first account information of the payee and the second account information of the payment account are sent to the transaction platform related to the payment interface according to the address information.
Referring to fig. 3, fig. 3 is a schematic flow chart of a second embodiment of the payment method of digital currency of the present invention, wherein steps S111-S113 in the second embodiment are detailed in step S110 in the first embodiment, and the second embodiment comprises the following steps:
and step S111, scanning the two-dimensional code in the transaction graphic code to acquire first account information of the payee.
And step S112, acquiring the address information of the trading platform according to the image identifier in the trading graphic code.
And step S113, acquiring the digital currency transaction amount according to the address information of the transaction platform.
In this embodiment, the two-dimensional code in the transaction graphic code has universality, the first account information of the payee is stored in the two-dimensional code, and the first account information of the payee can be acquired by scanning the two-dimensional code in the transaction graphic code; as shown in fig. 9, fig. 9 is a schematic view of a transaction graphic code of a receiving terminal (the transaction graphic code shown in fig. 9 is only used for reference), where the transaction graphic code includes two-dimensional codes and an image identifier, the first account information of a receiving party can be obtained by identifying the two-dimensional code part of the transaction graphic code, and the corresponding receiving party can be determined according to the first account information; the characteristic information comprises the shape of a bank trademark used by the transaction platform and the color of the bank trademark, the address information of the transaction platform bound with the characteristic information of the image identification can be obtained by identifying the image identification part of the transaction graphic code, the transaction interface of the transaction platform is automatically jumped to according to the address information, the transaction amount of digital currency is obtained, and the process of automatically paying by identifying the transaction graphic code without third-party payment software is realized.
In the technical scheme of the embodiment, the two-dimensional code in the transaction graphic code is scanned to obtain the first account information of the payee, so that the information of the payee is determined, the characteristic information of the image identifier in the transaction graphic code is identified to obtain the address information of the transaction platform associated with the characteristic information, the transaction amount of the digital currency is obtained according to the address information of the transaction platform, and the automatic payment is realized by logging in the payment interface of the transaction platform according to the address information without the help of third-party payment software.
Referring to fig. 4, fig. 4 is a schematic flow chart of a payment method of digital currency according to a third embodiment of the present invention, wherein steps S1121-S1122 in the third embodiment are refinements of step S112 in the second embodiment, and the third embodiment includes the following steps:
step S1121, collecting the characteristic information of the image identifier in the transaction graphic code.
Step S1122, obtaining address information of the trading platform according to the feature information.
In this embodiment, an image identifier of different feature information is embedded in a two-dimensional code to generate a transaction graphic code, the feature information of the image identifier in the transaction graphic code may be one of an image color, an image shape, and an image size or a combination of any two feature information, the feature information in the image identifier may be used as a distinguishing identifier of a bank used by a payee, information associated with the feature information and address information of a transaction platform is also pre-stored in a transaction platform of digital currency, and the feature information of the image identifier is identified by scanning the image identifier in the transaction graphic code, so that the address information of the transaction platform associated with the feature information can be obtained.
In the technical scheme of the embodiment, the characteristic information of the image identifier in the transaction graphic code is identified, so that the address information of the transaction platform which is associated in advance is obtained according to the characteristic information, and the automatic payment is realized by logging in a payment interface of the transaction platform according to the address information without the help of third-party payment software.
Referring to fig. 5, fig. 5 is a schematic flow chart of a fourth embodiment of the payment method of digital currency of the present invention, wherein step S240 in the fourth embodiment is located after step S130 in the first embodiment, and the fourth embodiment comprises the following steps:
step S210, identifying the transaction graphic code to obtain the address information of the transaction platform and the first account information of the payee, entering a payment interface, and obtaining the transaction amount of the digital currency.
Step S220, displaying the digital currency transaction amount and the first account information of the payee on a payment interface.
Step S230, when a payment instruction triggered through the payment interface is received, sending the digital currency transaction amount, the first account information, and the second account information of the payment terminal to the transaction platform according to the address information.
Step S240, after receiving the information of successful transaction fed back by the transaction platform, updating the balance information in the local digital currency wallet according to the transaction amount of the digital currency.
In this embodiment, the payment terminal and the receiving terminal are both provided with a local digital money wallet, and after receiving the information of successful transaction fed back by the transaction platform, the payment terminal and the receiving terminal update the balance information in the local digital money wallet according to the transaction amount of the digital money, and referring to fig. 10, the balance information in the local digital money wallet is represented in the form of a wallet number: 0051200692733227, specifically, when the payment terminal pays the collection terminal, the balance of the digital money wallet of the payment terminal will decrease and the balance of the local digital money wallet of the collection terminal will increase, for example, when the payment terminal pays 10 yuan to the collection terminal, the balance of the local digital money wallet of the collection terminal will increase by 10 correspondingly, and the balance of the local digital money wallet of the payment terminal will decrease by 10 correspondingly, in this process, the payment terminal or the collection terminal will detect the balance in the local digital money wallet before the transaction, after receiving the information of successful transaction fed back by the transaction platform, determine the balance in the current local digital money wallet according to the amount paid in the transaction and the balance in the local digital money wallet before the transaction, and at the same time, obtain the wallet number matching with the balance in the current local digital money wallet, therefore, the process of updating the balance information in the local digital money wallets of the payment terminal and the collection terminal according to the transaction amount is realized.
In the technical scheme of the embodiment, the address information of the transaction platform and the first account information of the payee in the transaction graphic code are acquired by identifying the transaction graphic code, the transaction interface is skipped to, when a payment instruction triggered by the payment interface is received, the transaction amount is acquired, the transaction amount, the first account information and the second account information of the payment terminal are sent to the transaction platform according to the address information in the transaction graphic code, and after the transaction is completed, the balance information in the local digital money wallets of the payment terminal and the payee terminal is updated according to the digital money transaction amount, so that the automatic transaction process is realized and the amount in the digital money wallets is updated in real time.
Referring to fig. 6, fig. 6 is a schematic flow chart of a payment method of digital currency according to a fifth embodiment of the present invention, including the following steps:
step S310, after receiving the digital currency collection instruction, acquiring the first account information of the payee and the address information of the transaction platform.
In this embodiment, the receiving instruction of the digital money may be generated by a user with a receiving qualification authentication, such as an enterprise, an individual, and the like, and the same as the payment user of the payment terminal, the receiving user may trigger a receiving terminal, such as a receiving start key on a smart phone or a smart POS, to receive the money, and the first account information of the receiving party at least includes: the identity card number of the payee or the business license number of the enterprise, and the like, the address information of the transaction platform at least comprises: address links of the transaction platforms, communication tokens and the like are different, the address links of different transaction platforms are different, and the communication tokens comprise account names and passwords used by a payee for logging in the transaction platforms; at this time, when the receiving terminal receives the digital currency receiving instruction, the first account information of the receiving party is acquired, and meanwhile, the address information of the selected transaction platform is acquired.
Step S320, generating a transaction graphic code according to the first account information and the address information.
In this embodiment, a transaction graphic code generation program is built in the payee terminal, the built-in transaction graphic code generation program may be default factory settings, and at the same time, a specific transaction graphic code may also be customized according to the actual situation of the payee, the transaction graphic code generation program generates the transaction graphic code by using the first account information and the address information according to a unified digital currency transaction graphic code preset generation rule and a preset identification rule, and the transaction graphic code of each transaction platform is identified by the mobile terminal according to a unified standard specified by a bank supervision department, specifically, in the process of generating the transaction graphic code, the transaction graphic code generation program further includes the shape of the transaction graphic code, the parameters of the transaction graphic code, such as the encoded content, the encoded type, such as QR code, the width, height, and the like of the transaction graphic code, Such as JPG or PNG format, etc.
In the technical scheme of the embodiment, when a receiving instruction triggered by a receiver on a receiving terminal is received, the first account information of the receiver and the address information of the transaction platform are acquired, and the transaction graphic code is generated according to the information of the receiver and by adopting a uniform digital currency transaction graphic code generation rule.
Referring to fig. 7, fig. 7 is a flow chart schematically illustrating a payment method of digital money according to a sixth embodiment of the present invention, wherein steps S321 to S323 in the sixth embodiment are detailed in step S320 in the fifth embodiment, and the sixth embodiment includes the following steps:
step S321, generating a two-dimensional code according to the first account information.
Step S322, generating an image identifier corresponding to the address information.
And step S323, generating the transaction graphic code according to the two-dimensional code and the image identifier.
In this embodiment, the transaction graphic code includes two parts, that is, a two-dimensional code part and an image identifier part, the two-dimensional code is generated according to first account information corresponding to a payee, a shape of a bank trademark and a color of the bank trademark used by a transaction platform are obtained according to address information of the transaction platform, the graphic identifier is generated according to the shape of the bank trademark and the color of the bank trademark, the address information is associated with the graphic identifier, and the image identifier which can be linked to the transaction platform is added to the two-dimensional code, so that the transaction graphic code for digital currency transaction is generated.
In the technical scheme of the embodiment, the two-dimensional code is generated according to the first account information of the payee, and the image identifier which can be linked to the transaction platform is added into the two-dimensional code, so that the transaction graphic code for digital currency transaction is generated according to the two-dimensional code and the image identifier.
Referring to fig. 8, fig. 8 is a schematic flow chart of a seventh embodiment of the payment method of digital currency of the present invention, wherein steps S3221-S3223 in the seventh embodiment are refinements of step S322 in the sixth embodiment, and the sixth embodiment includes the following steps:
step S3221, obtains attribute information of the user corresponding to the cash receiving terminal.
Step S3222, generating the image identifier according to the attribute information.
Step S3223, associating and storing the feature information of the image identifier with the address information.
In this embodiment, the attribute information includes a business name or a personal name, the attribute information may further include a business trademark or a personal avatar, etc., the attribute information can be modified according to the information of the payee, by obtaining the attribute information of the user corresponding to the payee terminal, generating the image identifier according to the attribute information, and associating the attribute information, the feature information of the image identifier and the address information, therefore, the graphic identification of the transaction graphic code is equivalent to the attribute information, the characteristic information, the address information of the transaction platform and the association relationship among the attribute information, the characteristic information and the address information of the payee, and by scanning the transaction graphic code, the attribute information, the characteristic information and the address information of the transaction platform of the payee can be acquired simultaneously, and the automatic transaction process of the digital currency is realized by jumping to a payment interface of the transaction platform.
In the technical scheme of this embodiment, the attribute information of the user corresponding to the money receiving terminal is acquired, the image identifier is generated according to the attribute information of the user, and the attribute information of the user is associated with the feature information of the image identifier and the address information of the transaction platform, so that a transaction graphic code integrating the attribute information of the user, the bank information and the bank address information is generated.
Based on the same inventive concept, the embodiment of the present application further provides a computer storage medium, where a payment program of digital currency is stored, and when the payment program of digital currency is executed by a processor, the steps of the payment method of digital currency described above are implemented, and the same technical effects can be achieved, and are not described herein again to avoid repetition.
Since the computer storage medium provided in the embodiments of the present application is a computer storage medium used for implementing the method in the embodiments of the present application, based on the method described in the embodiments of the present application, a person skilled in the art can understand a specific structure and a modification of the computer storage medium, and thus details are not described here. Computer storage media used in the methods of embodiments of the present application are all intended to be protected by the present application.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable computer storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It should be noted that in the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The invention may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as tokens.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (10)
1. A payment method of digital currency is applied to a payment terminal, and comprises the following steps:
identifying the transaction graphic code to acquire address information of the transaction platform and first account information of a payee, entering a payment interface, and acquiring a digital currency transaction amount;
displaying the digital currency transaction amount and the first account information of the payee on a payment interface;
and when a payment instruction triggered by the payment interface is received, sending the digital currency transaction amount, the first account information and the second account information of the payment terminal to the transaction platform according to the address information.
2. A payment method of digital currency according to claim 1, wherein the step of identifying the transaction pattern code to obtain address information of the transaction platform and first account information of the payee, entering a payment interface, and obtaining the transaction amount of the digital currency comprises:
scanning the two-dimensional code in the transaction graphic code to acquire first account information of a payee;
acquiring address information of the trading platform according to the image identifier in the trading graphic code;
and acquiring the digital currency transaction amount according to the address information of the transaction platform.
3. A payment method of digital currency according to claim 2, wherein the step of obtaining address information of the trading platform according to the image identifier in the trading figure code comprises:
collecting the characteristic information of the image identifier in the transaction graphic code;
and acquiring the address information of the transaction platform according to the characteristic information.
4. A payment method of digital money according to claim 1, wherein the step of transmitting the digital money transaction amount, the first account information, and the second account information of the payment terminal to the transaction platform based on the address information is followed by:
and after receiving the information of successful transaction fed back by the transaction platform, updating balance information in the local digital currency wallet according to the transaction amount of the digital currency.
5. A payment method of digital currency according to claim 2, wherein the image identifier is generated based on attribute information of a user corresponding to the payment receiving terminal.
6. A digital currency payment method is applied to a cash receiving terminal, and comprises the following steps:
after receiving a digital currency collection instruction, acquiring first account information of a payee and address information of a transaction platform;
and generating a transaction graphic code according to the first account information and the address information.
7. The digital currency payment method of claim 6, wherein the step of generating a transaction graphic code based on the first account information and the address information comprises:
generating a two-dimensional code according to the first account information;
generating an image identifier corresponding to the address information;
and generating the transaction graphic code according to the two-dimensional code and the image identifier.
8. The digital money payment method according to claim 7, wherein the step of generating the image identifier corresponding to the address information includes:
acquiring attribute information of a user corresponding to the collection terminal;
generating the image identification according to the attribute information;
and associating and storing the characteristic information of the image identifier and the address information.
9. An electronic device, characterized in that the electronic device comprises a memory, a processor and a payment program in digital currency stored in the memory and executable on the processor, the payment program in digital currency implementing the steps of the payment method in digital currency according to any one of claims 1-8 when executed by the processor.
10. A computer storage medium, characterized in that the computer storage medium stores a payment program for digital money, which when executed by a processor implements the steps of the payment method for digital money according to any one of claims 1 to 8.
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| CN202110305436.1A CN113128983A (en) | 2021-03-18 | 2021-03-18 | Method for paying digital currency, electronic device and computer storage medium |
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