CN116051091A

CN116051091A - Digital currency conversion method, device and system

Info

Publication number: CN116051091A
Application number: CN202111261665.4A
Authority: CN
Inventors: 朱冬冬; 林贺
Original assignee: Digital Currency Institute of the Peoples Bank of China
Current assignee: Digital Currency Institute of the Peoples Bank of China
Priority date: 2021-10-28
Filing date: 2021-10-28
Publication date: 2023-05-02

Abstract

The invention discloses a method, a device and a system for digital currency conversion, and relates to the technical field of computers. One embodiment of the method comprises the following steps: responding to a first exchange request of a user, and analyzing a first digital currency wallet and a palm banking application program from the first exchange request; generating a pulling-up parameter for pulling up the palm banking application program according to the first digital currency wallet and the palm banking application program; and sending a pulling-up request for pulling up the palm banking application program to a bank operation mechanism system of the palm banking application program according to the pulling-up parameter so as to utilize the palm banking application program to exchange the currency stored in the bank operation mechanism of the palm banking application program by a user into digital currency and store the digital currency into a first digital currency wallet. The embodiment reduces the complexity of digital currency conversion, shortens the length of a data transmission chain, improves the security of private data, and simultaneously improves the high efficiency and convenience of digital currency conversion.

Description

Digital currency conversion method, device and system

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a method, an apparatus, and a system for digital currency conversion.

Background

The central bank is centrally located in a digital currency operation system and is responsible for issuing digital currency (or referred to as digital currency) to commercial banks as designated operation institutions and performing digital currency full life cycle management, and the designated operation institutions and related commercial institutions are responsible for providing digital currency exchange and circulation services to the public. However, the existing digital currency wallet recharging (or exchange) mode is complicated in procedure, long in data transmission chain and low in safety. There is currently a lack of a digital currency recharging platform that is efficient and convenient to implement.

Disclosure of Invention

In view of this, the embodiment of the invention provides a method, a device and a system for digital currency conversion, which reduce the complexity of digital currency conversion, shorten the length of a data transmission chain, improve the security of private data and improve the efficiency and convenience of digital currency conversion.

To achieve the above object, according to one aspect of an embodiment of the present invention, there is provided a digital currency conversion method, including:

responding to a first exchange request of a user, and analyzing a first digital currency wallet and a palm banking application program from the first exchange request;

Generating a pulling-up parameter for pulling up the palm banking application program according to the first digital currency wallet and the palm banking application program;

and sending a pulling-up request for pulling up the palm banking application program to a bank operation mechanism system of the palm banking application program according to the pulling-up parameter so as to utilize the palm banking application program to exchange currency stored by the user in the bank operation mechanism of the palm banking application program into digital currency and store the digital currency into a first digital currency wallet.

Optionally, generating a pull-up parameter for pulling up the palm banking application according to the first digital money purse and the palm banking application includes:

assembling a redemption page url of the palm banking application program and a wallet identification of a first digital currency wallet into a character string, and encrypting the character string by using a public key provided by the palm banking application program to obtain the pull-up parameter;

and after sending a pull-up request for pulling up the palm banking application program to a bank operation mechanism system of the palm banking application program according to the pull-up parameter and checking that the pull-up parameter is correct by the bank operation mechanism system of the palm banking application program, jumping to a conversion page of the palm banking application program.

Optionally, the exchanging, by the palm banking application, currency deposited by the user in a banking institution of the palm banking application into digital currency and depositing into a first digital currency wallet, including:

the palm banking application program sends a recharging request to a banking operation mechanism system of the palm banking application program, the banking operation mechanism system of the palm banking application program responds to the recharging request and sends a wallet recharging exchange request message to a wallet operation mechanism system of a first digital currency wallet, and the wallet operation mechanism system sends a wallet recharging exchange response message to the banking operation mechanism system of the palm banking application program after exchange is successful.

Optionally, after the palm banking application program is used to exchange the currency stored in the banking operation mechanism of the palm banking application program by the user into digital currency and deposit the digital currency into the first digital currency wallet, the method further includes: and under the condition of successful exchange, receiving and displaying a notification message which is sent by the wallet operating mechanism system through calling a wallet background system and is successful in wallet recharging.

Optionally, after the palm banking application program is used to exchange the currency stored in the banking operation mechanism of the palm banking application program by the user into digital currency and deposit the digital currency into the first digital currency wallet, the method further includes: receiving a mapping code returned by the palm banking application program; responding to a request of binding the bank card by a user, verifying the user information of the user and/or the mapping code, and binding the bank card corresponding to the mapping code with a first digital currency wallet under the condition that the verification is passed;

The mapping code is generated by a bank operation mechanism system of the palm banking application program according to a bank card number used for digital currency conversion and is sent to the palm banking application program.

Optionally, verifying the user information of the user and/or the mapping code includes:

responding to a request of a user for binding the bank card, acquiring a digital currency wallet payment password of the user, sending a payment password verification request to the wallet operating mechanism system, and acquiring a flow series identifier after the wallet operating mechanism system passes verification;

sending a request for acquiring the verification code to the wallet operating mechanism system, verifying that a quick binding bank account request message sent by the wallet operating mechanism system is correct by the bank operating mechanism system of the palm bank application program to generate the verification code, sending a quick binding bank account response message to the wallet operating mechanism system, and then receiving the verification code response message sent by the wallet operating mechanism system and acquiring the verification code;

sending a verification code request to the wallet operating mechanism system, and receiving a verification code response message sent by the wallet operating mechanism system after the bank operating mechanism system of the palm banking application program verifies that the quick binding bank account request message sent by the wallet operating mechanism system is correct and then sends a quick binding bank account response message to the wallet operating mechanism system;

The verification code obtaining request, the quick binding bank account request message, the quick binding bank account response message, the verification code obtaining response message and the verification code response message at least comprise the flow series identification.

Optionally, after binding the bank card corresponding to the mapping code with the first digital currency wallet, the method further includes: and displaying the binding result page.

Optionally, the wallet operating mechanism system and the bank operating mechanism system of the palm bank application program are communicated through an interconnection and interworking platform.

Optionally, after binding the bank card corresponding to the mapping code with the first digital currency wallet, the method further includes:

determining a second digital currency wallet and a target mapping code in response to a second redemption request of the user;

and generating a digital currency conversion request according to the second digital currency wallet and the target mapping code, and sending the digital currency conversion request to a wallet operation mechanism system corresponding to the target mapping code, so that currency stored by the user in a bank card corresponding to the target mapping code is converted into digital currency by utilizing the wallet operation mechanism system corresponding to the target mapping code and is stored in the second digital currency wallet.

Optionally, determining the second digital money wallet and the target mapping code includes:

displaying a bound mapping code list to a user, and taking a mapping code selected by the user from the mapping code list as the target mapping code;

and displaying a digital currency wallet list corresponding to the target mapping code to the user, and taking the digital currency wallet selected by the user from the digital currency wallet list as a second digital currency wallet.

According to a second aspect of an embodiment of the present invention, there is provided an apparatus for digital currency conversion, comprising:

the request analysis module is used for responding to a first exchange request of a user and analyzing a first digital currency wallet and a palm banking application program from the first exchange request;

the parameter generation module is used for generating a pulling-up parameter for pulling up the palm banking application program according to the first digital currency purse and the palm banking application program;

and the currency exchange module is used for sending a pulling-up request for pulling up the palm banking application program to a bank operation mechanism system of the palm banking application program according to the pulling-up parameter so as to exchange currency stored in the bank operation mechanism of the palm banking application program by the user into digital currency by utilizing the palm banking application program and store the digital currency into a first digital currency wallet.

Optionally, the parameter generating module generates a pull-up parameter for pulling up the palm banking application program according to the first digital currency wallet and the palm banking application program, including:

Optionally, the currency conversion module is further configured to: after the palm banking application program is utilized to exchange the currency stored by the user in the banking operation mechanism of the palm banking application program into digital currency and deposit the digital currency into a first digital currency purse, receiving and displaying a notification message that the purse operation mechanism system is successful in recharging the purse by calling a purse background system under the condition that the exchange is successful.

Optionally, the apparatus further includes an information binding module configured to: after the palm banking application program is utilized to convert the currency stored by the user in a banking operation mechanism of the palm banking application program into digital currency and store the digital currency into a first digital currency wallet, receiving a mapping code returned by the palm banking application program; responding to a request of binding the bank card by a user, verifying the user information of the user and/or the mapping code, and binding the bank card corresponding to the mapping code with a first digital currency wallet under the condition that the verification is passed;

Optionally, the information binding module verifies user information of the user and/or the mapping code, including:

Optionally, the information binding module is further configured to: and after the bank card corresponding to the mapping code is bound with the first digital currency wallet, displaying a binding result page.

Optionally, the currency conversion module is further configured to: after binding the bank card corresponding to the mapping code with the first digital money wallet,

Optionally, the currency conversion module determines a second digital currency wallet and a target mapping code, comprising:

According to a third aspect of embodiments of the present invention, there is provided a method of digital currency conversion, comprising:

acquiring a mapping code generated by a bank operation mechanism system of a palm bank application program according to a bank card number used for digital currency conversion;

the mapping code is sent to a wallet operation mechanism system, and after the wallet operation mechanism system completes the binding operation of the bank card through the mapping code, the bank card corresponding to the mapping code is displayed on a page;

and responding to a conversion request initiated by a user aiming at the digital currency wallet and the mapping code, generating a digital currency conversion request and sending the digital currency conversion request to a wallet operation mechanism system corresponding to the mapping code, so that currency stored by the user in a bank card corresponding to the mapping code is converted into digital currency by utilizing the wallet operation mechanism system corresponding to the target mapping code and is stored in the digital currency wallet.

Optionally, the acquiring the mapping code generated by the bank operation mechanism system of the palm banking application program according to the bank card number used by the digital currency conversion comprises:

the method comprises the steps that a palm banking application program sends a recharging request to a banking operation mechanism system of the palm banking application program, the banking operation mechanism system of the palm banking application program responds to the recharging request and sends a wallet recharging exchange request message to a wallet operation mechanism system of a first digital currency wallet, and after the wallet operation mechanism system sends a wallet recharging exchange response message to the banking operation mechanism system of the palm banking application program after exchange is successful, a mapping code generated by the banking operation mechanism system of the palm banking application program according to a bank card number used for recharging is obtained through the palm banking application program receiving the recharging response.

Optionally, after the palm banking application program sends a recharging request to a bank operation mechanism system of the palm banking application program, the bank operation mechanism system of the palm banking application program sends a wallet recharging exchange request message to a wallet operation mechanism system of a digital currency wallet in response to the recharging request, and the wallet operation mechanism system sends a wallet recharging exchange response message to the bank operation mechanism system of the palm banking application program after exchange is successful, the method further includes:

And acquiring at least one piece of information of a card number mask of the bank card and a card mechanism number of the bank card through a palm bank application program receiving the recharging response.

Optionally, after the bank operation mechanism system of the palm banking application program sends the wallet charging exchange request message to the wallet operation mechanism system of the digital currency wallet in response to the charging request, the method further comprises:

after the wallet background system receives the redemption request message sent by the wallet operating mechanism system through the interconnection platform, the wallet background system receives the redemption result message sent by the wallet background system.

Optionally, before the wallet operating mechanism system sends the wallet recharge exchange response message to the bank operating mechanism system of the palm bank application program after the exchange is successful, the method further comprises: and generating parameters for jumping to the palm bank application program corresponding to the specific wallet in response to the specific wallet to be recharged selected by the user, checking the parameters by a bank operation mechanism system of the palm bank application program, and jumping to the palm bank application program corresponding to the specific wallet.

Optionally, before sending the mapping code to the wallet operating mechanism system, the method further includes:

Acquiring a digital currency wallet payment password of a user in response to the user selecting a bank card to be bound, sending a payment password verification request to a wallet operating mechanism system, and acquiring a flow series identifier after the wallet operating mechanism system passes verification;

the method comprises the steps of sending a request for acquiring verification codes to a wallet operating mechanism system, after the bank operating mechanism system of a palm bank application program verifies that a quick binding bank account request message sent by the wallet operating mechanism system is correct and a binding card request initiated by a response user is generated, then sending a quick binding bank account response message to the wallet operating mechanism system, receiving an acquisition verification code response sent by the wallet operating mechanism system and acquiring the verification codes, wherein the verification codes are used for verifying the authenticity of the binding card request initiated by the response user when binding a bank card; the verification code obtaining request, the quick binding bank account request message, the quick binding bank account response message and the verification code obtaining response at least comprise the flow series identification.

Optionally, after the verification code is acquired, the method further includes:

sending a verification code request to a wallet operating mechanism system, acquiring the verification code by the bank operating mechanism system of the palm banking application program through a quick binding bank account request message sent by the wallet operating mechanism system, verifying the authenticity of a binding card request initiated by a response user, and receiving a verification code response sent by the wallet operating mechanism system after sending a quick binding bank account response message to the wallet operating mechanism system, and displaying a bank card corresponding to the mapping code on a page; the verification code request, the quick binding bank account request message, the quick binding bank account response message and the verification code response at least comprise the flow series identification.

Optionally, the wallet operating mechanism system and the bank operating mechanism system of the palm bank application program are communicated through an interconnection platform.

Optionally, the digital currency conversion request is sent to the wallet operating mechanism system through an interconnection platform.

According to a fourth aspect of embodiments of the present invention, there is provided an apparatus for digital currency conversion, comprising:

the acquiring module acquires a mapping code generated by a bank operation mechanism system of the palm bank application program according to a bank card number used for digital currency conversion;

the card binding module is used for sending the mapping code to the wallet operation mechanism system, and displaying the bank card corresponding to the mapping code on a page after the wallet operation mechanism system completes the bank card binding operation through the mapping code;

and the exchange module is used for responding to an exchange request initiated by a user for the digital currency wallet and the mapping code, generating a digital currency exchange request and sending the digital currency exchange request to a wallet operation mechanism system corresponding to the mapping code, so that the wallet operation mechanism system corresponding to the target mapping code is utilized to exchange currency stored by the user in a bank card corresponding to the mapping code into digital currency and store the digital currency into the digital currency wallet.

Optionally, the acquiring module acquires a mapping code generated by a bank operation mechanism system of the palm banking application program according to a bank card number used for digital currency conversion, including:

Optionally, the acquiring module is further configured to: the method comprises the steps that a palm bank application program sends a recharging request to a bank operation mechanism system of the palm bank application program, the bank operation mechanism system of the palm bank application program responds to the recharging request and sends a wallet recharging exchange request message to a wallet operation mechanism system of a digital currency wallet, and after the wallet operation mechanism system sends a wallet recharging exchange response message to the bank operation mechanism system of the palm bank application program after exchange is successful, at least one of a card number mask of a bank card and a card generic mechanism number of the bank card is obtained through the palm bank application program which receives the recharging response.

Optionally, the redemption module is further configured to: after the bank operation mechanism system of the palm bank application program responds to the recharging request and sends a wallet recharging and exchanging request message to the wallet operation mechanism system of the digital currency wallet, the wallet background system receives the exchanging and pushing request message sent by the wallet operation mechanism system through the interconnection and interworking platform and then receives exchanging result information sent by the wallet background system.

Optionally, the redemption module is further configured to: before the wallet operating mechanism system sends a wallet recharging and exchanging response message to the bank operating mechanism system of the palm bank application program after exchanging successfully, generating parameters which are jumped to the palm bank application program corresponding to the specific wallet in response to the specific wallet to be recharged selected by a user, and jumping to the palm bank application program corresponding to the specific wallet after the bank operating mechanism system of the palm bank application program checks the parameters.

Optionally, the binding module is further configured to: before sending the mapping code to the wallet carrier system,

Optionally, the binding module is further configured to: after acquiring the verification code, sending a verification code request to a wallet operating mechanism system, acquiring the verification code by a bank operating mechanism system of a palm bank application program through a quick binding bank account request message sent by the wallet operating mechanism system, verifying the authenticity of a binding card request initiated by a response user, sending a quick binding bank account response message to the wallet operating mechanism system, receiving a verification code response sent by the wallet operating mechanism system, and displaying a bank card corresponding to the mapping code on a page; the verification code request, the quick binding bank account request message, the quick binding bank account response message and the verification code response at least comprise the flow series identification.

According to a fifth aspect of embodiments of the present invention, there is provided a system for digital currency conversion, comprising: a digital money application program, a palm banking application program and a banking operation mechanism system of the palm banking application program;

the digital currency application program responds to a first exchange request of a user, and analyzes a first digital currency wallet and a palm banking application program from the first exchange request; generating a pulling-up parameter for pulling up the palm banking application program according to the first digital currency wallet and the palm banking application program; sending a pull-up request for pulling up the palm banking application program to a banking operation mechanism system of the palm banking application program according to the pull-up parameter;

the bank operation mechanism system of the palm banking application program checks the pulling-up parameters, and after the pulling-up parameters are checked to be correct, the digital currency application program jumps to a conversion page of the palm banking application program;

The palm banking application program interacts with the user through the exchange page, exchanges the currency stored by the user in a banking operation mechanism of the palm banking application program into digital currency and stores the digital currency into a first digital currency wallet.

Optionally, the digital currency application program assembles the redemption page url of the palm banking application program and the wallet identification of the first digital currency wallet into a character string, and encrypts the character string by using a public key provided by the palm banking application program to obtain the pull-up parameter.

Optionally, the system further comprises a wallet operating mechanism; the palm banking application program sends a recharging request to a banking operation mechanism system of the palm banking application program, the banking operation mechanism system of the palm banking application program responds to the recharging request and sends a wallet recharging exchange request message to a wallet operation mechanism system of a first digital currency wallet, and the wallet operation mechanism system sends a wallet recharging exchange response message to the banking operation mechanism system of the palm banking application program after exchange is successful.

Optionally, the system further comprises a wallet background system; the digital money application is further configured to: and receiving and displaying a notification message that the wallet operation mechanism system successfully charges the wallet, which is sent by calling a wallet background system.

Optionally, the bank operator system of the palm banking application is further configured to: generating a mapping code according to a bank card number used for digital currency conversion and sending the mapping code to the palm bank application program;

the digital money application is further configured to: after the palm banking application program is utilized to convert the currency stored by the user in a banking operation mechanism of the palm banking application program into digital currency and store the digital currency into a first digital currency wallet, receiving a mapping code returned by the palm banking application program; and responding to the request of binding the bank card by the user, verifying the user information of the user and/or the mapping code, and binding the bank card corresponding to the mapping code with the first digital currency wallet under the condition that the verification is passed.

Optionally, the digital currency application verifies the user information and/or the mapping code of the user, including:

the digital currency application program responds to a request of a user for binding the bank card, obtains a digital currency wallet payment password of the user, sends a payment password verification request to the wallet operating mechanism system, and obtains a flow series identifier after the wallet operating mechanism system passes verification;

The digital currency application program sends a request for acquiring a verification code to the wallet operating mechanism system, the bank operating mechanism system of the palm bank application program verifies that a quick binding bank account request message sent by the wallet operating mechanism system is correct to generate a verification code, and then sends a quick binding bank account response message to the wallet operating mechanism system, and then receives the verification code response message sent by the wallet operating mechanism system and acquires the verification code;

the digital currency application program sends a verification code request to the wallet operating mechanism system, and after the bank operating mechanism system of the palm bank application program verifies that the quick binding bank account request message sent by the wallet operating mechanism system is correct, the quick binding bank account response message is sent to the wallet operating mechanism system, the verification code response message sent by the wallet operating mechanism system is received;

Optionally, the digital currency application is further configured to: and after the bank card corresponding to the mapping code is bound with the first digital currency wallet, displaying a binding result page.

Optionally, the digital currency application is further configured to: after binding the bank card corresponding to the mapping code with the first digital currency wallet, responding to a second exchange request of the user, and determining a second digital currency wallet and a target mapping code; and generating a digital currency conversion request according to the second digital currency wallet and the target mapping code, and sending the digital currency conversion request to a wallet operation mechanism system corresponding to the target mapping code, so that currency stored by the user in a bank card corresponding to the target mapping code is converted into digital currency by utilizing the wallet operation mechanism system corresponding to the target mapping code and is stored in the second digital currency wallet.

Optionally, the digital currency application determines a second digital currency wallet and a target mapping code, comprising:

According to a sixth aspect of embodiments of the present invention, there is provided an electronic device for digital currency conversion, comprising:

one or more processors;

storage means for storing one or more programs,

the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method provided by the first aspect of the embodiments of the present invention.

According to a seventh aspect of embodiments of the present invention, there is provided a computer readable medium having stored thereon a computer program which when executed by a processor implements the method provided by the first aspect of embodiments of the present invention.

One embodiment of the above invention has the following advantages or benefits: transmitting data by using a specially constructed interconnection platform, and ensuring the reliable link of background data service; in the recharging process, the authenticity and the effectiveness of data interaction are ensured according to the parameter verification rule agreed in advance, the mapping code is generated after the data interaction is exchanged, the private information of the bank card number is hidden by the mapping code, and meanwhile, the subsequent rapid bank card binding operation is conveniently carried out by using the digital currency application program. The authenticity and the safety of the operation are ensured through multi-stage verification. The flow series identification is used for series connection of the whole process of binding the bank card, so that counterfeiting operation is effectively avoided.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the main flow of a method of digital currency conversion according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of a process of recharging with a digital money application according to an embodiment of the invention;

FIG. 3 is a schematic diagram of the major modules of a digital currency conversion machine according to an embodiment of the present invention;

FIG. 4 is a schematic diagram of the main flow of a method of digital currency conversion according to another embodiment of the present invention;

FIG. 5 is a schematic diagram of the main modules of a digital currency conversion machine according to another embodiment of the present invention;

FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

fig. 7 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

According to one aspect of an embodiment of the present invention, a method of digital currency conversion is provided.

Fig. 1 is a schematic diagram of the main flow of a method of digital currency conversion according to an embodiment of the present invention. As shown in fig. 1, a method for digital currency conversion according to an embodiment of the present invention includes: step S101 to step S103.

Step S101, in response to a first exchange request of a user, parsing a first digital money wallet and a palm banking application from the first exchange request.

With the vigorous development of network technology and digital economy, the demands of the public on payment convenience, security, general Hui Xing, privacy and the like are increasing. Digital money has been developed. The digital currency can be digital RMB, digital Euro, digital Japanese, digital harbor currency, etc. In the invention, in order to solve at least one problem in the prior art, digital currency is managed by adopting a mode of centralized management and double-layer operation. Wherein double-deck operation refers to issuing legal digital currency by a central bank (i.e., a chinese people's bank) to a designated operating institution (such as a commercial bank, etc.), which is responsible for providing digital currency conversion and circulation services to the public. The digital currency wallet refers to a carrier of digital currency and a medium touching a user, and any operation mechanism (namely a wallet operation mechanism which is responsible for operations such as operation and management of the digital currency wallet and the like) designated by a China people's bank (abbreviated as a central line) can be selected to be opened through a digital currency application program. In practical use, after a digital currency wallet (or referred to as a digital currency wallet, abbreviated as a wallet) of any operation mechanism is opened in a digital currency Application program (Application, abbreviated as App), wallet services provided by the operation mechanism, such as payment, code-scanning payment, transfer, and the like, can be used. Such as the first digital money wallet in this embodiment.

In the practical application process, the user exchanges the RMB stored in the operation mechanism into digital currency and stores the digital currency in the digital currency purse. In this embodiment, the user may pull up the palm banking application in the digital money application, and implement a convenient operation function of recharging the digital money wallet through data communication between the digital money application and the palm banking application at the mobile terminal. The bound bank card is used for recharging the digital currency wallet, the step of calling the palm silver App for recharging is skipped, the digital currency recharging flow is simplified, the data transmission chain is shortened, and the safety, convenience and high efficiency are improved.

Step S102, generating a pulling-up parameter for pulling up the palm banking application program according to the first digital currency wallet and the palm banking application program.

The term "pull-up" as used herein refers to a jump to a particular application or web page or the like through other applications or browser web pages or the like. One embodiment of the present invention selects to jump from a digital money application to a palm banking application corresponding to a particular wallet that has been selected. To ensure the authenticity and validity of the pull-up palm silver App, the exemplary selection generates a pull-up parameter to jump to a palm banking application corresponding to a specific wallet selected by a user to be recharged in response to the specific wallet, wherein the pull-up parameter comprises at least one of URL (Uniform Resource Locator, uniform resource location address) of a jump page, wallet ID (Identity Document, identity), nickname and the like. When the palm banking App is pulled up, firstly, the operation mechanism system of the palm banking application program verifies the pulled up information (such as verifying the information through a private key provided by the mechanism to which the palm banking belongs), after the parameter is verified to be correct, the palm banking App jumps to a designated page or application program, such as pulling up the palm banking application program corresponding to the specific wallet, and then, the palm banking App sends a request for recharging the selected specific wallet to the operation mechanism system of the pulled up palm banking application program. In one embodiment, after verification, the bank card can be selected and the conversion amount can be input through the pulled palm silver App, and then the digital currency conversion request can be sent to the institution system to which the palm silver belongs through the palm silver App.

In an alternative embodiment, generating a pull-up parameter to pull up the palm banking application from the first digital money purse and the palm banking application includes: and assembling the redemption page url of the palm banking application program and the wallet identification of the first digital currency wallet into a character string (such as a JSON (JavaScript Object Notation, JS object numbered musical notation) character string), and encrypting the character string by using a public key provided by the palm banking application program to obtain the pull-up parameter. And after sending a pull-up request for pulling up the palm banking application program to a bank operation mechanism system of the palm banking application program according to the pull-up parameter and checking that the pull-up parameter is correct by the bank operation mechanism system of the palm banking application program, jumping to a conversion page of the palm banking application program.

In this embodiment, the public key provided by the palm banking application program is used to encrypt the redemption page url and the wallet identifier of the first digital currency wallet, so that the security in the parameter transferring process can be improved.

Step S103, sending a pulling-up request for pulling up the palm banking application program to a bank operation mechanism system of the palm banking application program according to the pulling-up parameter so as to utilize the palm banking application program to exchange currency stored in the bank operation mechanism of the palm banking application program by the user into digital currency and store the digital currency into a first digital currency wallet.

Converting, by the palm banking application, currency deposited by the user in a banking institution of the palm banking application into digital currency and depositing into a first digital currency wallet, comprising: the palm banking application program sends a recharging request to a banking operation mechanism system of the palm banking application program, the banking operation mechanism system of the palm banking application program responds to the recharging request and sends a wallet recharging exchange request message to a wallet operation mechanism system of a first digital currency wallet, and the wallet operation mechanism system sends a wallet recharging exchange response message to the banking operation mechanism system of the palm banking application program after exchange is successful.

In the embodiment shown in fig. 2, the recharging request is sent to the affiliated institution of the palm banking application program by the palm banking application program (abbreviated as palm silver App). And sending a response message to the affiliated mechanism of the palm banking application program after finishing recharging the digital currency wallet by the wallet operating mechanism according to the recharging request forwarded by the affiliated mechanism of the palm banking application program. The palm banking application is operated and maintained by the organization to which the palm banking application belongs, and the palm banking application is a front-end platform. After the palm banking application program sends the recharging request, the recharging response message of the digital currency wallet can be selectively sent to the palm banking application program, so that the digital currency recharging result can be checked or inquired in the palm banking application program. The digital currency application program obtains the information such as the mapping code through the palm silver App. In one embodiment, the security of data transmission is improved by constructing an interconnection platform, and reliable link of background data service is ensured. The interconnection platform adopts a special physical communication network or line, which can be a wired or wireless communication network or line. The wallet operating mechanism, the digital currency application program background (or the central office background, the wallet background) and the mechanism of the palm bank application program communicate or send and receive information requests through the interconnection platform so as to solve the problem of data transmission safety. The information request includes, but is not limited to, digital money transfers, receipts, etc. between wallet operators, wallet operators exchanging digital money to a central row, etc. Of course, the interconnection platform can also be constructed by software according to the needs. In one embodiment, after receiving the recharging request, the affiliated mechanism of the palm banking application program sends the generated wallet recharging and exchanging request message to the wallet operating mechanism through the interconnection and interworking platform, and the wallet operating mechanism sends the wallet recharging and exchanging response message to the affiliated mechanism of the palm banking through the interconnection and interworking platform after processing the recharging and exchanging request. It should be noted that various messages, requests, replies, etc. mentioned above and below typically require encrypted transmissions to improve security.

In the event that the redemption is successful, the digital currency application may also receive and present a notification message that the wallet operator system was successful in recharging the wallet by invoking the wallet backend system. In one embodiment, as shown in the block diagram 2 of fig. 2, after the exchange is finished, the wallet operating mechanism sends a redemption push request message to the wallet background (also called a central row background or a digital currency application background) through the interconnection platform, and after the wallet background receives the redemption push request message, the wallet background sends a redemption push response message to the wallet operating mechanism through the interconnection platform. In order to facilitate the viewing of the redemption results in the digital currency application, one embodiment of the present invention selects to receive the redemption result message sent by the wallet background after the wallet background receives the redemption push request message sent by the wallet operating mechanism through the interconnection platform. In particular, the redemption result message may be sent to the digital money application by invoking a notification service provided in the wallet background (which service may also be provided by a third party platform).

In some alternative embodiments, after the user's currency deposited by the palm banking application's banking institution is converted to digital currency and deposited into the first digital currency wallet by the palm banking application, the method further includes: receiving a mapping code returned by the palm banking application program; responding to a request of binding the bank card by a user, verifying the user information of the user and/or the mapping code, and binding the bank card corresponding to the mapping code with a first digital currency wallet under the condition that the verification is passed; the mapping code is generated by a bank operation mechanism system of the palm banking application program according to a bank card number used for digital currency conversion and is sent to the palm banking application program. By checking the user information, the authenticity of the user can be ensured; by checking the mapping code, the effectiveness of data interaction can be ensured, and the use safety of the account is further improved.

After the mapping code is obtained, the corresponding bank card number can be obtained through the mapping code. Therefore, according to the management rule of the digital currency wallet, the mapping code can be sent to the wallet operating mechanism system, and after the wallet operating mechanism system completes the binding operation of the bank card through the mapping code; the digital currency application program can display the bank card corresponding to the mapping code on the page so as to facilitate the subsequent exchange of digital currency through the bound bank card.

The bank cards to which the present invention relates refer to overdraft and non-overdraft payment instruments issued by commercial banks to society, including but not limited to debit cards, credit cards, and the like. In order to ensure the security of the bank card number (or called card number) in the transmission process and avoid leakage, in one embodiment, the card number of the bank card is selected to be mapped to generate a corresponding mapping code. The mapping code has uniqueness, and is transmitted in the actual transmission process instead of the bank card number. The mapping code may be obtained by processing the bank card number using, for example, an encryption algorithm or other functional method. In one embodiment, the corresponding bank card number may be restored from the mapping code by decryption or function inverse operation, etc. An exemplary option of one embodiment of the present invention is to generate its corresponding mapping code from the bank card number by the operator system of the palm banking application. The operation mechanism system of the palm banking application program can generate the mapping code corresponding to the bank card number according to the received request before, during or after the digital currency is converted, or in the non-conversion stage. Further, the mapping code has a validity period, and the validity period can be flexibly adjusted according to the requirement, such as 30 seconds, 60 seconds, 3 minutes, 5 minutes, etc., so as to improve the security thereof. By adopting the mapping code, the minimum and necessary use principle of the user privacy data is effectively complied with.

In the embodiment of the invention, the mapping code has uniqueness, and one mapping code corresponds to one bank card. In the process of generating the mapping code corresponding to the bank card, if only the card number of the bank card is mapped, each bank card only corresponds to one mapping code. However, in the process of generating the mapping code corresponding to the bank card, if the mapping process is performed on the bank card related information (the card number of the bank card, the card number mask, the card generic organization number, etc.) and other parameter information (e.g., digital money wallet related information, mapping time information), each bank card may correspond to a plurality of mapping codes. For example, when the card number of the bank card is mapped to generate the mapping code, the bank card number and the time of generating the mapping code are mapped, so that the mapping codes corresponding to the same bank card in different time periods are different; when the card number of the bank card is mapped to generate a mapping code, the bank card number and the related information (such as wallet name, operation mechanism to which the wallet belongs, and the like) of the digital currency wallet bound with the bank card are mapped, so that the mapping code corresponding to the binding of the same bank card and different digital currency wallets is different.

When the card number of the bank card is mapped to generate the mapping code, if the related information (such as the name of the wallet, the wallet operating mechanism to which the wallet belongs, etc.) of the digital currency wallet is not considered, the mapping code and the digital currency wallet can be in one-to-many relation, and one mapping code can be bound with a plurality of digital currency wallets to recharge the plurality of digital currency wallets bound with the mapping code.

When the card number of the bank card is mapped to generate a mapping code, if related information (such as a wallet name, a wallet operation mechanism to which the wallet belongs, and the like) of the digital currency wallet is considered, the mapping codes and the digital currency wallet are in one-to-one correspondence, one mapping code uniquely corresponds to one digital currency wallet, one mapping code can only bind one digital currency wallet, and can only recharge the digital currency wallet bound with the mapping code, so that the mapping code can not be used for recharging other digital currency wallets.

Optionally, the acquiring, via the palm banking application program that receives the recharging response, the mapping code generated by the operation mechanism system of the palm banking application program according to the card number of the bank card used for recharging, further includes: and acquiring at least one piece of information of a card number mask of the bank card and a card mechanism number of the bank card through a palm bank application program receiving the recharging response.

In one embodiment, the affiliated institution of the palm banking application program can select to send at least one of the mapping code, the bank card number mask and the card affiliated institution number to the palm banking application program through a recharging response message; of course, information such as the bank card number mask and the card institution number may alternatively be stored in the palm banking application. And then, when the digital currency palm banking application program returns to the digital currency palm banking application program through the palm banking application program, at least one of the mapping code, the bank card number mask and the card mechanism number can be returned to the digital currency application program.

In the actual application process, only the user information of the user can be verified to ensure the authenticity of the user identity; only the mapping code can be verified to ensure that the bound bank card data information is valid. The user information refers to information related to the identity of the user, such as wallet payment password of the user, biometric information of the user, identification card number, etc. Optionally, the user information and the mapping code are verified separately, specifically:

the verification code obtaining request, the quick binding bank account request message, the quick binding bank account response message, the verification code obtaining response message and the verification code response message at least comprise the flow series identification. The authenticity of the operation of binding the bank card can be confirmed by verifying the mapping code through verifying the authenticity of the verification code in response to the user binding card request. The serial flow marks can be sequentially transmitted to connect the whole process of binding the bank card in series, so that the counterfeit operation of lawbreakers is effectively avoided.

In the actual application process, parameters of the palm bank application program corresponding to the specific wallet can be generated and pulled according to the specific wallet selected in the digital currency application program. Wherein, upon selection of a particular purse, it will be associated with the palm silver App of the corresponding purse operator. After the exchange is completed, the mechanism system of the palm silver generates a unique mapping code according to the bank card number for recharging. The digital currency application program and the palm banking application program or the palm banking affiliated institution system agree with parameter verification rules in advance, so that the authenticity and effectiveness of data interaction are ensured. In one embodiment shown in block 1 of fig. 2, after receiving the recharging request, the mechanism belonging to the palm silver generates a wallet recharging and exchanging request message, and sends the message to the wallet operating mechanism through the interconnection platform to execute specific exchanging operation.

In one embodiment, after a bank card to be added to the digital money application is selected by an operation such as clicking an add bank card, it is necessary to verify whether the user has an operation right to the digital money wallet, so as to improve security of the wallet account. Specifically, the operation authority may be confirmed by checking a payment password of the digital money wallet, or the like. As shown in fig. 2, after obtaining a digital currency wallet payment password input by a user in a digital currency application program, a payment password verification request is sent to a wallet operating mechanism, and after the wallet operating mechanism verifies that the payment password is correct, a payment password verification response is sent to the digital currency application program, wherein the payment password verification response at least comprises a flow series identifier (context no shown in fig. 2). And the digital currency application program receives the response and then obtains the flow series identification. In one embodiment, the verification code needs to be further obtained through the response of the palm silver affiliated institution to the binding card request. The verification code is used for verifying at least one of the authenticity of the response binding card request (or called a bank card response) or the operation authority of the user on the bank card when the bank card is bound. In the embodiment shown in block 4 of fig. 2, the digital money application transmits information including at least the mapping code and the flow tandem identification to the wallet operating mechanism; the wallet operating mechanism generates a quick binding bank account request message from the information and sends the quick binding bank account request message to the mechanism of the palm silver through the interconnection platform, and after the mechanism of the palm silver verifies that the information of the quick binding bank account request message is effective, a corresponding bank card number can be obtained through a card mapping code, and then a card binding request initiated by a user in a digital currency application program is responded to generate a verification code. And packaging the verification code, the flow series identification and the like to generate a quick binding bank account response message, transmitting the quick binding bank account response message to a wallet operating mechanism through an interconnection platform, transmitting a verification code obtaining response to a digital currency application program by the wallet operating mechanism, and finally obtaining the verification code after the digital currency application program receives the response message.

In one embodiment, it is necessary to further verify the authenticity of the institution to which the palm silver belongs in response to the binding card request. In the embodiment shown in block 4 of fig. 2, the digital currency application sends at least the validation code, the mapping code, and the flow tandem identification to the wallet operating entity. The wallet operation mechanism generates the information into a quick binding bank account request message and sends the quick binding bank account request message to the mechanism of the palm silver through the interconnection platform, the mechanism of the palm silver acquires a verification code through the quick binding bank account request message, and generates a quick binding bank account response message after the verification code verifies that the authenticity of a response binding card request is correct, and then sends the quick binding bank account response message to the wallet operation mechanism through the interconnection platform. After receiving the response message of the fast binding bank account, the wallet operating mechanism completes the binding operation of the bank card through the mapping code. The wallet operating mechanism then sends a verification code response to the digital currency application. After the digital currency application program receives the response message, the bank card corresponding to the mapping code can be displayed on a page, and meanwhile, the function which can be obtained after the bank card is successfully bound is prompted.

It should be noted that, in the above embodiment of the present invention, each step of binding a bank card needs to sequentially transfer a serial flow identifier (context no) obtained when verifying operation authority of a digital money wallet, specifically referring to the embodiment shown in fig. 2 and fig. 4. It will be appreciated that a plurality of identical verification steps (such as identical objects or content of verification, or identical names of verification steps, etc.) may occur during the digital currency conversion operation, which is particularly apparent when there are multiple digital currency conversion operations. At this time, if there is no serial flow identifier, the specific operation steps of connecting up and down in a certain verification step are not clear, i.e. a complete operation flow connected in sequence cannot be obtained. Therefore, each step is matched through the serial flow identification, so that each step on the same operation chain has the same serial flow identification, and the complete operation flow can be obtained through the same serial flow identification. Therefore, the whole process of binding the bank card is connected in series through the process serial identification, and the counterfeiting operation can be effectively avoided.

The bank cards are typically issued and managed by a bank operator, and the digital money wallets are managed by a wallet operator. In actual use, the information request between each operation mechanism system and the wallet background system and the information request between each operation mechanism system can be realized through the interconnection platform, so that the safety of information transmission and the reliable link of the background data service are ensured. When the digital currency wallet selected by the user and the bank card used for digital currency exchange are managed by the same operation mechanism, communication between the bank operation mechanism and the wallet operation mechanism is realized without an interconnection platform.

In order to further optimize the exchange process described above, the exchange efficiency and convenience are improved. One embodiment selects to bind the mapping code of the selected bank card to the digital currency application program, and then the digital currency wallet is recharged by the bank card corresponding to the bound mapping code. Instead of having to jump to the palm banking application to select the bank card for recharging as described above. The recharging process is simplified, the data transmission chain is shortened, the recharging efficiency is improved, and the safety and convenience of digital currency exchange are improved. The bank operation mechanism of the palm bank application program can obtain the mapping code generated by the bank card number used by the digital currency conversion, so that the security of the transmission of sensitive privacy information of the bank card can be improved, and the minimum and necessary use principle of the privacy data of the user is also complied with.

Specifically, after binding the bank card corresponding to the mapping code with the first digital currency wallet, responding to a second exchange request of the user, and determining the second digital currency wallet and the target mapping code; and then generating a digital currency conversion request according to the second digital currency wallet and the target mapping code, and sending the digital currency conversion request to a wallet operation mechanism system corresponding to the target mapping code, so that currency stored by the user in a bank card corresponding to the target mapping code is converted into digital currency by utilizing the wallet operation mechanism system corresponding to the target mapping code and is stored in the second digital currency wallet. A mapping code may be bound to one or more digital money wallets. When one mapping code is bound to only one digital money wallet, the second digital wallet and the first digital wallet are the same digital money wallet if the target mapping code corresponding to the second redemption request is the same as the mapping code generated in response to the first redemption request.

For example, the bound mapping code may be selected in the digital money application and the selected digital money wallet may then be recharged in the digital money application. When more than one mapping code is bound by the user, a bound mapping code list can be displayed to the user, and the mapping code selected by the user from the mapping code list is used as the target mapping code. Each mapping code may be bound to one or more digital money wallets. After the target mapping code is determined, a digital currency wallet list corresponding to the target mapping code can be displayed to the user, one or more digital currency wallets bound with the target mapping code are included in the digital currency wallet list, and the digital currency wallet selected by the user from the digital currency wallet list is used as a second digital currency wallet. The digital currency application program sends a digital currency exchange request to a wallet operating mechanism through an interconnection and interworking platform, and the wallet operating mechanism can finish recharging of the second digital currency wallet after verifying that the input wallet payment password is correct.

According to a second aspect of embodiments of the present invention, there is provided an apparatus for digital currency conversion.

Fig. 3 is a schematic diagram of main modules of an apparatus for digital currency conversion according to an embodiment of the present invention, and as shown in fig. 3, an apparatus 300 for digital currency conversion includes:

the request analysis module 301 responds to a first exchange request of a user and analyzes a first digital currency wallet and a palm banking application program from the first exchange request;

the parameter generation module 302 generates a pull-up parameter for pulling up the palm banking application program according to the first digital money purse and the palm banking application program;

the currency exchange module 303 sends a pull-up request for pulling up the palm banking application program to a bank operation mechanism system of the palm banking application program according to the pull-up parameter, so that the palm banking application program is utilized to exchange currency stored in the bank operation mechanism of the palm banking application program by the user into digital currency and store the digital currency into a first digital currency wallet.

According to a third aspect of embodiments of the present invention, a method of digital currency conversion is provided.

Fig. 4 is a schematic diagram of the main flow of a method of digital currency conversion according to another embodiment of the present invention. As shown in fig. 4, the digital currency conversion method includes:

step 401, obtaining a mapping code generated by a bank operation mechanism system of a palm banking application program according to a bank card number used for digital currency conversion;

step 402, the mapping code is sent to a wallet operation mechanism system, and after the wallet operation mechanism system completes the binding operation of the bank card through the mapping code, the bank card corresponding to the mapping code is displayed on a page;

step 403, in response to a conversion request initiated by a user for a digital currency wallet and the mapping code, generating a digital currency conversion request and sending the digital currency conversion request to a wallet operating mechanism system corresponding to the mapping code, so that currency stored by the user in a bank card corresponding to the mapping code is converted into digital currency by using the wallet operating mechanism system corresponding to the target mapping code and stored in the digital currency wallet.

The description of each step in this embodiment refers to the related description in the embodiment provided in the first aspect of the present invention, and will not be repeated here.

According to a fourth aspect of the embodiment of the present invention, there is provided an apparatus for implementing the method provided in the third aspect of the embodiment of the present invention.

Fig. 5 is a schematic diagram of main modules of a digital currency conversion machine according to another embodiment of the present invention. As shown in fig. 5, the digital currency conversion apparatus 500 includes:

an acquisition module 501 for acquiring a mapping code generated by a bank operation mechanism system of a palm banking application program according to a bank card number used for digital currency conversion;

the card binding module 502 sends the mapping code to the wallet operating mechanism system, and after the wallet operating mechanism system completes the binding operation of the bank card through the mapping code, the bank card corresponding to the mapping code is displayed on a page;

and the exchange module 503 is used for responding to an exchange request initiated by a user for the digital currency wallet and the mapping code, generating a digital currency exchange request and sending the digital currency exchange request to a wallet operation mechanism system corresponding to the mapping code, so that the wallet operation mechanism system corresponding to the target mapping code is utilized to exchange currency stored by the user in a bank card corresponding to the mapping code into digital currency and store the digital currency into the digital currency wallet.

According to a sixth aspect of embodiments of the present invention, there is provided a recharging electronic device for a digital money wallet, comprising:

one or more processors;

storage means for storing one or more programs,

Fig. 6 illustrates an exemplary system architecture 600 of a digital currency conversion method or digital currency conversion device to which embodiments of the present invention may be applied.

As shown in fig. 6, a system architecture 600 may include

terminal devices

601, 602, 603, a network 604, and a server 605 (this architecture is merely an example, and the components contained in a particular architecture may be tailored to the application specific case). The network 604 is used as a medium to provide communication links between the

terminal devices

601, 602, 603 and the server 605. The network 604 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with the server 605 via the network 604 using the

terminal devices

601, 602, 603 to receive or send messages, etc. Various communication client applications such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only) may be installed on the

terminal devices

601, 602, 603.

The

terminal devices

601, 602, 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 605 may be a server providing various services, such as a background management server (by way of example only) providing support for shopping-type websites browsed by users using

terminal devices

601, 602, 603. The background management server may analyze and process the received data such as the product information query request, and feedback the processing result (e.g., the target push information, the product information—only an example) to the terminal device.

It should be noted that the method for digital currency conversion provided by the embodiment of the present invention is generally executed by the server 605, and accordingly, the device for digital currency conversion is generally disposed in the server 605.

It should be noted that, the method for digital currency conversion provided in the embodiment of the present invention may be executed by a terminal device, and accordingly, the device for digital currency conversion is generally disposed in the terminal device.

It should be understood that the number of terminal devices, networks and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 7, there is illustrated a schematic diagram of a computer system 700 suitable for use in implementing an embodiment of the present invention. The terminal device shown in fig. 7 is only an example, and should not impose any limitation on the functions and the scope of use of the embodiment of the present invention.

As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU) 701, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data required for the operation of the system 700 are also stored. The CPU 701, ROM 702, and RAM 703 are connected to each other through a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.

The following components are connected to the I/O interface 705: an input section 706 including a keyboard, a mouse, and the like; an output portion 707 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 708 including a hard disk or the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. The drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read therefrom is mounted into the storage section 708 as necessary.

In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 709, and/or installed from the removable medium 711. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 701.

The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor includes a request parsing module, a parameter generation module, and a currency conversion module. Where the names of the modules do not constitute a limitation of the module itself in some cases, for example, the request parsing may also be described as "a module that generates a pull-up parameter to pull up the palm banking application from the first digital money purse and the palm banking application".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include:

responding to a first exchange request of a user, and analyzing a first digital currency wallet and a palm banking application program from the first exchange request; generating a pulling-up parameter for pulling up the palm banking application program according to the first digital currency wallet and the palm banking application program; sending a pull-up request for pulling up the palm banking application program to a bank operation mechanism system of the palm banking application program according to the pull-up parameter so as to utilize the palm banking application program to exchange currency stored by the user in a bank operation mechanism of the palm banking application program into digital currency and store the digital currency into a first digital currency wallet; or alternatively, the process may be performed,

acquiring a mapping code generated by a bank operation mechanism system of a palm bank application program according to a bank card number used for digital currency conversion; the mapping code is sent to a wallet operation mechanism system, and after the wallet operation mechanism system completes the binding operation of the bank card through the mapping code, the bank card corresponding to the mapping code is displayed on a page; and responding to a conversion request initiated by a user aiming at the digital currency wallet and the mapping code, generating a digital currency conversion request and sending the digital currency conversion request to a wallet operation mechanism system corresponding to the mapping code, so that currency stored by the user in a bank card corresponding to the mapping code is converted into digital currency by utilizing the wallet operation mechanism system corresponding to the target mapping code and is stored in the digital currency wallet.

According to the technical scheme provided by the embodiment of the invention, the data is transmitted by using the specially constructed interconnection platform, so that the reliable link of the background data service is ensured; in the recharging process, the authenticity and the effectiveness of data interaction are ensured according to the parameter verification rule agreed in advance, the mapping code is generated after the data interaction is exchanged, the private information of the bank card number is hidden by the mapping code, and meanwhile, the subsequent rapid bank card binding operation is conveniently carried out by using the digital currency application program. The authenticity and the safety of the operation are ensured through multi-stage verification. The flow series identification is used for series connection of the whole process of binding the bank card, so that counterfeiting operation is effectively avoided.

The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims

1. A method of digital currency conversion, comprising:

2. The method of claim 1, wherein generating a pull-up parameter to pull up the palm banking application from the first digital money purse and the palm banking application comprises:

3. The method of claim 1, wherein using the palm banking application to exchange currency deposited by the user in a banking institution of the palm banking application for digital currency and depositing into a first digital currency wallet, comprises:

4. The method of claim 1, wherein after the user's currency deposited in the palm banking application's banking institution is converted to digital currency and deposited into a first digital currency wallet using the palm banking application, further comprising: and under the condition of successful exchange, receiving and displaying a notification message which is sent by the wallet operating mechanism system through calling a wallet background system and is successful in wallet recharging.

5. The method of claim 1, wherein after the user's currency deposited in the palm banking application's banking institution is converted to digital currency and deposited into a first digital currency wallet using the palm banking application, further comprising: receiving a mapping code returned by the palm banking application program; responding to a request of binding the bank card by a user, verifying the user information of the user and/or the mapping code, and binding the bank card corresponding to the mapping code with a first digital currency wallet under the condition that the verification is passed;

6. The method of claim 5, wherein verifying the user information and/or the mapping code of the user comprises:

7. The method of claim 5, further comprising, after binding the bank card corresponding to the mapping code with the first digital money wallet: and displaying the binding result page.

8. The method according to any of claims 3-7, wherein the wallet operating mechanism system and the bank operating mechanism system of the palm banking application communicate via an interworking platform.

9. The method according to any one of claims 5-7, further comprising, after binding the bank card corresponding to the mapping code with the first digital money wallet:

10. The method of any of claims 5-7, wherein determining the second digital money wallet and the target mapping code comprises:

11. An apparatus for digital currency conversion, comprising:

12. A method of digital currency conversion, comprising:

13. An apparatus for digital currency conversion, comprising:

14. A system for digital currency conversion, comprising: a digital money application program, a palm banking application program and a banking operation mechanism system of the palm banking application program;

15. A digital money wallet refill electronic device, comprising:

one or more processors;

storage means for storing one or more programs,

when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-10, 12.

16. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any one of claims 1-10, 12.