WO2020243961A1 - Procédé et système de paiement agrégé pour des monnaies numériques, et serveur périphérique - Google Patents

Procédé et système de paiement agrégé pour des monnaies numériques, et serveur périphérique Download PDF

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Publication number
WO2020243961A1
WO2020243961A1 PCT/CN2019/090392 CN2019090392W WO2020243961A1 WO 2020243961 A1 WO2020243961 A1 WO 2020243961A1 CN 2019090392 W CN2019090392 W CN 2019090392W WO 2020243961 A1 WO2020243961 A1 WO 2020243961A1
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WO
WIPO (PCT)
Prior art keywords
transaction
currency
digital
digital currency
network
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Application number
PCT/CN2019/090392
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English (en)
Chinese (zh)
Inventor
柳彤
Original Assignee
海付移通科技香港有限公司
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Application filed by 海付移通科技香港有限公司 filed Critical 海付移通科技香港有限公司
Priority to CN201980010722.6A priority Critical patent/CN111937020A/zh
Priority to PCT/CN2019/090392 priority patent/WO2020243961A1/fr
Publication of WO2020243961A1 publication Critical patent/WO2020243961A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Definitions

  • FIG. 5 is a schematic structural diagram of an electronic device equipped with a digital wallet provided by an embodiment of the present application
  • a random number (Nonce) is added to the blocks of some virtual cryptocurrency systems, and the random number needs to satisfy the condition that the hash value of a given block appears with a prescribed number of zeros. Due to the irreversible nature of the hash operation, it is only possible to traverse the random number that meets the conditions through repeated attempts.
  • Step (6) the digital currency wallet service queries whether transaction x is packaged according to the block information. If it has been packaged, the fund management system will completely wipe the frozen 10ETH of user B to 0, and update the withdrawal status to complete. Provide block transaction ID for users and operating back-end systems to query. Among them, the digital currency wallet service can provide a unified API for other modules of the trading platform, and at the same time structure different data into the database service, and finally complete transaction query and verification through traditional high-availability means.
  • the digital wallet includes at least two digital currencies, for example: digital currency 1, digital currency 2, ..., digital currency N, the digital currency 1 can be Bitcoin, and the digital currency 2 can be Ether Square, and so on, the digital wallet can be used for payment or collection of any kind of digital currency, for example: payment through Bitcoin, or collection of Bitcoin. It is understandable that the digital wallet can also be used to display the balance corresponding to each digital currency.
  • the conversion request message unpacking and grouping module 4511 is used to obtain the currency conversion request sent by the terminal.
  • the currency conversion request encapsulates the currency identifier of the digital currency to be converted, and according to the currency conversion request, assembles corresponding to the currency identifier Conversion message;
  • the lightning network access layer receives the transaction confirmation result sent by the digital currency lightning network, and the transaction confirmation result includes: transaction success or transaction failure, and the lightning network access layer according to the transaction confirmation result, Send a payment result to the digital wallet. If the transaction confirmation result is a transaction failure, the Lightning Network access layer sends a payment failure message to the digital wallet. If the transaction confirmation result is a successful transaction, the The lightning network access layer sends a transaction success message to the digital wallet.
  • the POS device scans the two-dimensional code generated by the digital wallet to obtain transaction information, such as the digital currency identifier of the transaction, the amount of digital currency for the transaction, and so on.
  • transaction information such as the digital currency identifier of the transaction, the amount of digital currency for the transaction, and so on.
  • the POS device scans the two-dimensional code generated by the digital wallet to obtain transaction information, such as the digital currency identifier of the transaction, the amount of digital currency for the transaction, and so on.
  • transaction information such as the digital currency identifier of the transaction, the amount of digital currency for the transaction, and so on.
  • the lightning network access layer which is used to interface with the digital currency lightning network.
  • the digital currency lightning network receives the transaction request sent by the lightning network access layer, analyzes the transaction request, verifies the transaction according to the transaction request, thereby confirms the transaction request, and sends the transaction request to the
  • the Lightning Network access layer sends the transaction confirmation result
  • the transaction confirmation result includes: the transaction is successful or the transaction fails
  • the verification of the transaction includes: verifying the identities of the sender and receiver of the transaction, the legality of the transaction, etc. Wait.
  • the The flag bit corresponding to the illegal transaction is reset to zero, so that the lightning network access layer assembles a payment result message corresponding to the transaction confirmation result message according to the flag bit of the transaction failure position, And send the payment result message to the digital wallet and the POS device, so that the digital wallet or the POS device obtains the flag of the position where the transaction fails, so that the sender and receiver of the transaction can confirm that the transaction failed position.
  • Step S128 The digital currency transaction network receives the transaction request sent by the digital currency lightning network, and returns a transaction confirmation to the digital currency lightning network;
  • the terminal includes an electronic device or a POS device configured with a digital wallet
  • the payment request is generated by the digital wallet triggering the electronic device to scan the identification code of the POS device
  • the digital wallet corresponds to an application
  • the application program scans the identification code generated by the POS device by triggering the camera of the electronic device to generate a payment request, or the POS device scans the identification code of the digital wallet for the payment request
  • the identification code includes a QR code, a barcode, a payment password, etc.
  • the digital wallet triggers the electronic device to scan the identification code of the POS device to generate a payment request in the main scan mode
  • the POS device scans The identification code of the digital wallet generates a payment request in a scanned mode.
  • Step S133 Send the transaction message to the transaction network corresponding to the digital currency identifier, so that the transaction network returns a transaction confirmation result according to the transaction message;
  • the conversion message is sent to the currency conversion node corresponding to the currency identifier, so that the currency conversion node converts the digital currency to be converted into a target currency according to the conversion message, and converts the target
  • the currency is settled to an account corresponding to the terminal, wherein there are at least two types of the currency conversion nodes, and each type of the digital currency identifier corresponds to a type of the currency conversion node.
  • the currency conversion request encapsulates the currency identification and quantity of the digital currency to be converted, and the information of the payer and the payee, the digital wallet or POS device sends the currency conversion request to the lightning network access layer, and the lightning network
  • the access layer assembles the conversion message corresponding to the currency identifier according to the currency conversion request, and sends the conversion message to the currency conversion node corresponding to the currency identifier, so that the currency conversion node is
  • the conversion message converts the digital currency to be converted into a target currency, and settles the target currency to an account corresponding to the terminal.
  • the transaction message unit 142 is configured to assemble a transaction message corresponding to the digital currency identifier according to the payment request;
  • the transaction message is sent to the digital currency lightning network corresponding to the digital currency identifier, so that the digital currency lightning network returns a transaction confirmation result according to the transaction message.
  • the memory 152 can be used to store non-volatile software programs, non-volatile computer-executable programs and modules, such as a digital currency aggregate payment in the embodiment of this application
  • the unit corresponding to the method (for example, each unit described in Figure 14).
  • the processor 151 executes various functional applications and data processing of the digital currency aggregate payment method by running the non-volatile software programs, instructions, and modules stored in the memory 152, that is, realizes the digital currency aggregate payment in the above method embodiments
  • Portable entertainment equipment This type of equipment can display and play video content, and generally also has mobile Internet features. Such devices include: video players, handheld game consoles, as well as smart toys and portable car navigation devices.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé et un système de paiement agrégé pour des monnaies numériques, ainsi qu'un serveur périphérique, se rapportant au domaine technique des transactions électroniques. Le procédé de paiement agrégé pour des monnaies numériques consiste à : acquérir une requête de paiement envoyée par un terminal, la requête de paiement étant encapsulée avec un identificateur de monnaie numérique (S131) ; selon la requête de paiement, assembler un message de transaction correspondant à l'identificateur de monnaie numérique (S132) ; envoyer le message de transaction à un réseau de transaction correspondant à l'identificateur de monnaie numérique, de telle sorte que le réseau de transaction renvoie un résultat de confirmation de transaction selon le message de transaction (S133) ; et selon le résultat de confirmation de transaction, envoyer un résultat de paiement au terminal (S134). Au moyen du procédé, un paiement agrégé d'une pluralité de monnaies numériques est réalisé, permettant ainsi d'améliorer l'expérience d'utilisation d'un utilisateur.
PCT/CN2019/090392 2019-06-06 2019-06-06 Procédé et système de paiement agrégé pour des monnaies numériques, et serveur périphérique WO2020243961A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CN201980010722.6A CN111937020A (zh) 2019-06-06 2019-06-06 一种数字货币的聚合支付方法、系统及边缘服务器
PCT/CN2019/090392 WO2020243961A1 (fr) 2019-06-06 2019-06-06 Procédé et système de paiement agrégé pour des monnaies numériques, et serveur périphérique

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2019/090392 WO2020243961A1 (fr) 2019-06-06 2019-06-06 Procédé et système de paiement agrégé pour des monnaies numériques, et serveur périphérique

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Cited By (2)

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EP4123544A1 (fr) * 2021-07-22 2023-01-25 Deutsche Telekom AG Procédé et système pour faire fonctionner une application de point de vente mobile
US20230206261A1 (en) * 2021-11-23 2023-06-29 Strong Force TX Portfolio 2018, LLC Transaction platforms where systems include sets of other systems

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CN112653619A (zh) * 2020-12-07 2021-04-13 布比（北京）网络技术有限公司 一种闪电网络的多路径路由确定方法及系统
CN112581284B (zh) * 2020-12-28 2024-05-03 深圳海付移通科技有限公司 资源转移数据的处理方法、系统、计算机设备和存储介质
CN112734415B (zh) * 2020-12-31 2024-01-12 深圳市证通电子股份有限公司 数字货币的收款方法、终端、装置及计算机可读存储介质

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CN107330692A (zh) * 2017-06-26 2017-11-07 中国人民银行数字货币研究所 数字货币的流通方法和装置
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EP4123544A1 (fr) * 2021-07-22 2023-01-25 Deutsche Telekom AG Procédé et système pour faire fonctionner une application de point de vente mobile
US20230206261A1 (en) * 2021-11-23 2023-06-29 Strong Force TX Portfolio 2018, LLC Transaction platforms where systems include sets of other systems
US20230206329A1 (en) * 2021-11-23 2023-06-29 Strong Force TX Portfolio 2018, LLC Transaction platforms where systems include sets of other systems

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