CN107609866B

CN107609866B - Electronic payment and electronic cash collection method and device based on virtual currency

Info

Publication number: CN107609866B
Application number: CN201710823104.6A
Authority: CN
Inventors: 刘慧�; 韩佳乘
Original assignee: University of Chinese Academy of Sciences
Current assignee: University of Chinese Academy of Sciences
Priority date: 2017-09-13
Filing date: 2017-09-13
Publication date: 2020-10-30
Anticipated expiration: 2037-09-13
Also published as: CN107609866A

Abstract

The invention provides an electronic payment method and device based on virtual currency and an electronic payment method and device based on virtual currency. The electronic payment method comprises the following steps: dynamically determining a currency conversion algorithm; generating virtual currency information representing the actual payment amount according to the currency conversion algorithm and the actual payment amount; performing virtual payment by transferring the virtual currency information from the payer virtual account to the payee virtual account; sending account information corresponding to the virtual currency information to a payee; detecting whether the payee confirms that the virtual payment is successful, and performing identity authentication on the payee; and if the payee is detected to confirm that the virtual payment is successful and pass the identity authentication of the payee, carrying out actual payment according to the actual payment amount. The invention can effectively prevent the payment information from being leaked in the electronic payment process and improve the safety of electronic payment.

Description

Electronic payment and electronic cash collection method and device based on virtual currency

Technical Field

The invention relates to the technical field of electronic payment, in particular to an electronic payment method and device based on virtual currency and an electronic payment method and device based on virtual currency.

Background

Along with the rapid development of electronic commerce and mobile internet technologies, electronic payments such as internet banking, payment treasures, WeChat payment and the like are rapidly popularized, the electronic payments refer to the actions that a unit and a person directly or authorize other people to send payment instructions through an electronic terminal to realize money payment and fund transfer, are payment modes based on electronic communication and realized by adopting digital money to replace physical money to carry out payment, have the advantages of cross-regional payment, independence on the physical money, no need of change, convenience, rapidness and the like, and users can realize the electronic payments through intelligent terminals such as computers, mobile phones and the like.

In the existing electronic payment, a payer or a payee obtains an electronic account of the other party, and then sends a transfer request to a third party payment platform (such as a payer, a WeChat and the like) or a bank, and the third party payment platform or the bank checks that the account of the other party is legal, transfers the transfer amount from the account of the payer to the account of the payee, and completes the payment process through the transfer.

The essence of electronic payment is data communication, so that the security problems of leakage, stealing, tampering, counterfeiting and the like of payment information are inevitably faced, for example, in the process that a payer sends a payee account and payment sum to a bank, if an information stealing party intercepts the communication data and tampers the payee account into an account of the information stealing party and then uploads the account to the bank, the fund of the payer can be stolen; for another example, the information stealing party acquires the identity and the authentication information of the payer by stealing the transfer request of the payer, so that the identity of the payer can be forged and the transfer request can be uploaded, and the fund of the payer can be stolen under the condition that the payer does not know; for another example, when the payer obtains the account of the payee, the thief forges the account of the payee, which also results in the loss of funds of the payer.

In the prior art, mainly means such as data encryption, electronic signature, identity authentication and the like are used for protecting transmitted data and verifying the validity of the identities of a payer and a payee, but the possibility of data cracking, stealing and counterfeiting still exists, and reports that the bank funds of a user fly all over are often reported in various ends in life, so that a safer electronic payment solution for effectively preventing payment information from being leaked, stolen, tampered and forged is needed to be provided.

Disclosure of Invention

Aiming at the defects in the prior art, the invention provides an electronic payment method and device based on virtual currency and an electronic payment method and device based on virtual currency, so as to effectively prevent the leakage, stealing, tampering and counterfeiting of payment information in the electronic payment process and improve the security of electronic payment.

In a first aspect, the present invention provides a virtual currency-based electronic payment method, including:

dynamically determining a currency conversion algorithm, wherein the currency conversion algorithm includes a type of virtual currency and an exchange rate between the type of virtual currency and an actual payment currency;

generating virtual currency information representing the actual payment amount according to the currency conversion algorithm, wherein the virtual currency information comprises the type of the virtual currency and the virtual currency amount;

performing virtual payment by transferring the virtual currency information from the payer virtual account to the payee virtual account;

sending the account information corresponding to the virtual currency information to a payee, so that the payee performs identity authentication on a payer according to the account information and determines whether virtual payment is confirmed to be successful;

detecting whether the payee confirms that the virtual payment is successful, and performing identity authentication on the payee;

and if the payee is detected to confirm that the virtual payment is successful and pass the identity authentication of the payee, carrying out actual payment according to the actual payment amount.

Optionally, the dynamically determining a currency conversion algorithm includes:

selecting a currency conversion algorithm from a preset currency conversion algorithm database according to a preset rule according to the size of the actual payment amount; or

Randomly selecting a currency conversion algorithm from a preset currency conversion algorithm database by adopting a random algorithm; or

A random number is randomly generated as an exchange rate between the virtual currency and the actual payment currency, and a currency conversion algorithm is determined according to the exchange rate.

Optionally, the virtual payment is performed by transferring the virtual currency information from the payer virtual account to the payee virtual account, and the method includes:

and transferring the virtual currency information from the payer virtual account to the payee virtual account by adopting a block chain technology to carry out virtual payment.

Optionally, the detecting whether the payee confirms that the virtual payment is successful includes:

inquiring whether the block chain has confirmation information which is uploaded by a payee and aims at the virtual payment;

if yes, the payee is judged to confirm that the virtual payment is successful.

Optionally, the performing identity authentication on the payee includes:

and carrying out identity authentication on the payee through voice communication interaction, video live broadcast interaction or multimedia information interaction.

Optionally, the sending the account information corresponding to the virtual currency information to the payee includes:

and sending the account information corresponding to the virtual currency information to a payee through voice communication and/or video communication, wherein the account information comprises the account information in a voice form and/or the account information in a video form.

Optionally, the account identification information includes payer identity information; or,

the account information includes payer identification information and a code of the currency conversion algorithm.

Optionally, the performing actual payment according to the actual payment amount includes:

transferring the actual payment amount from the actual account of the payer to the actual account of the payee by adopting a block chain technology, and carrying out actual payment; or

And reducing the actual payment amount through the actual account of the payer, and increasing the actual payment amount through the actual account of the payee to carry out actual payment.

and encrypting the account identification information corresponding to the virtual currency information and then sending the encrypted account identification information to the payee.

Optionally, the performing identity authentication on the payee includes:

and authenticating the legality and correctness of the identity of the payee.

In a second aspect, the present invention provides an electronic payment device based on virtual currency, comprising:

a conversion algorithm determination module for dynamically determining a currency conversion algorithm, wherein the currency conversion algorithm comprises a type of virtual currency and an exchange rate between the type of virtual currency and an actual payment currency;

the virtual currency generating module is used for generating virtual currency information representing the actual payment amount according to the currency conversion algorithm, and the virtual currency information comprises the type of the virtual currency and the virtual currency amount;

the virtual currency payment module is used for transferring the virtual currency information from the payer virtual account to the payee virtual account to carry out virtual payment;

the account information sending module is used for sending the account information corresponding to the virtual currency information to a payee so that the payee can carry out identity authentication on a payer according to the account information and determine whether the virtual payment is successfully confirmed;

the payee identity authentication module is used for carrying out identity authentication on the payee and detecting whether the payee confirms that the virtual payment is successful;

and the actual payment module is used for carrying out actual payment according to the actual payment amount if the payee is detected to confirm that the virtual payment is successful and the identity authentication of the payee is passed.

Optionally, the conversion algorithm determining module includes:

a first conversion algorithm determining unit for selecting a money conversion algorithm from a preset money conversion algorithm database according to a preset rule according to the size of the actual payment amount; or

A second conversion algorithm determining unit for selecting a money conversion algorithm at random from a preset money conversion algorithm database by using a random algorithm; or

A third conversion algorithm determining unit for randomly generating a random number as an exchange rate between the virtual currency and the actual payment currency, and determining a currency conversion algorithm according to the exchange rate.

Optionally, the virtual currency payment module includes:

and the block chain virtual payment unit is used for transferring the virtual currency information from the payer virtual account to the payee virtual account by adopting a block chain technology to carry out virtual payment.

Optionally, the payee identity authentication module includes:

the block chain detection unit is used for inquiring whether the block chain has confirmation information which is uploaded by a payee and aims at the virtual payment;

and the virtual payment judging unit is used for judging that the payee confirms that the virtual payment is successful if the virtual payment judging unit exists.

Optionally, the payee identity authentication module includes:

and the multimedia identity authentication unit is used for carrying out identity authentication on the payee through voice communication interaction, video live broadcast interaction or multimedia information interaction.

Optionally, the accounting information sending module includes:

and the voice and video sending unit is used for sending the account information corresponding to the virtual currency information to the payee through voice communication and/or video communication, and the account information comprises the account information in a voice form and/or the account information in a video form.

Optionally, the actual payment module includes:

the block chain actual payment unit is used for transferring the actual payment amount from the payer actual account to the payee actual account by adopting a block chain technology to carry out actual payment; or

And the amount increase and decrease payment unit is used for reducing the actual payment amount through the actual account of the payer and increasing the actual payment amount through the actual account of the payee so as to carry out actual payment.

Optionally, the accounting information sending module includes:

and an account information encryption sending unit which is used for encrypting the account information corresponding to the virtual currency information and sending the encrypted account information to the payee.

Optionally, the payee identity authentication module includes:

and the payee identity authentication unit is used for authenticating the legality and the correctness of the identity of the payee.

In a third aspect, the present invention provides an electronic payment method based on virtual currency, including:

detecting whether the virtual account of the payee receives virtual currency information which represents the actual payment amount and is sent by the payer;

receiving the account information sent by the payer, performing identity authentication on the payer according to the account information, and determining whether the virtual payment is confirmed to be successful;

after the virtual payment is confirmed to be successful, identity authentication information is sent to the payer, so that the payer can perform identity authentication on the payee according to the identity authentication information;

an actual payment amount actually paid by the payer is received.

In a fourth aspect, the present invention provides an electronic money receiving apparatus based on virtual money, including:

the virtual payment detection module is used for detecting whether the virtual account of the payee receives virtual currency information which represents the actual payment amount and is sent by the payer;

the account information receiving module is used for receiving the account information sent by the payer, authenticating the identity of the payer according to the account information and determining whether the virtual payment is confirmed to be successful;

the authentication information sending module is used for sending identity authentication information to the payer after the virtual payment is confirmed to be successful so that the payer can carry out identity authentication on the payee according to the identity authentication information;

and the actual payment receiving module is used for receiving the actual payment amount actually paid by the payer.

According to the technical scheme, the electronic payment method based on the virtual currency generates the virtual currency information representing the actual payment amount through the dynamically determined currency conversion algorithm, performs the virtual payment by using the virtual currency information, and performs the actual payment after the identity authentication of the payee is passed and the payee is detected to confirm that the virtual payment is successful. Compared with the prior art, the invention firstly carries out virtual payment, carries out actual payment after the virtual payment is successful, finishes the identity confirmation between a payer and a payee and the confirmation of payment amount along with the virtual payment process, carries out the actual payment on the basis, and the thief needs to steal funds of the payer, not only tampers or forges the information transmitted in the actual payment process, but also tampers or forges the information transmitted in the virtual payment process, and because the virtual currency information is generated according to a dynamically determined currency conversion algorithm, the thief cannot determine the meaning of the actual representation even though the thief steals the virtual currency information, which causes difficulty for the information of the forgery or the falsification of the virtual payment, and the final completion of the actual payment depends on whether the payee confirms the success of the virtual payment and the result of the identity authentication of the payee, therefore, the method can ensure that the payee receiving the virtual payment is the expected payee, and even if the leakage, the falsification and the forgery of the payment information occur, the property cannot be transferred to the account of the stealing party under the condition that the payee can not detect that the virtual payment is successfully confirmed, the payee can not confirm the successful virtual payment or the identity authentication of the payee is not passed, thereby not causing the loss of the actual property. In conclusion, the technical scheme of the invention can effectively prevent the payment information from being leaked in the electronic payment process and improve the safety of electronic payment.

The invention provides an electronic payment device, an electronic cash collection method and an electronic payment device based on virtual money, which have the same beneficial effects as the electronic payment method based on virtual money.

Drawings

In order to more clearly illustrate the detailed description of the invention or the technical solutions in the prior art, the drawings that are needed in the detailed description of the invention or the prior art will be briefly described below.

FIG. 1 is a flow chart illustrating a virtual currency-based electronic payment method according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of a payer client as an execution subject according to a second embodiment of the present invention;

fig. 3 is a schematic structural diagram illustrating an electronic payment device based on virtual currency according to a third embodiment of the present invention;

FIG. 4 is a flowchart illustrating a virtual currency-based electronic cash registering method according to a fourth embodiment of the present invention;

fig. 5 is a schematic structural diagram illustrating an electronic money receiving apparatus based on virtual currency according to a fifth embodiment of the present invention.

Detailed Description

Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. The following examples are only for illustrating the technical solutions of the present invention more clearly, and therefore are only examples, and the protection scope of the present invention is not limited thereby.

It is to be noted that, unless otherwise specified, technical or scientific terms used herein shall have the ordinary meaning as understood by those skilled in the art to which the present invention belongs.

The invention provides an electronic payment method and device based on virtual currency and an electronic payment method and device based on virtual currency, and the embodiment of the invention is described below with reference to the accompanying drawings.

The first embodiment is as follows:

referring to fig. 1, which shows a flowchart of an electronic payment method based on virtual currency according to an embodiment of the present invention, as shown in fig. 1, the electronic payment method based on virtual currency according to an embodiment of the present invention includes the following steps:

step S101: dynamically determining a currency conversion algorithm, wherein the currency conversion algorithm includes a type of virtual currency and an exchange rate between the type of virtual currency and an actual payment currency.

The virtual currency is digital currency with network payment capability in an electronic form, such as game currency used in an electronic game, virtual gold currency used in an electronic mall, reading currency used in an electronic book mall, and the like, and the virtual currency is converted with actual payment currency (such as rmb, U.S. dollars, and the like) through a set exchange rate.

In view of the above, one of the purposes of introducing the virtual currency in the first embodiment of the present invention is to replace the actual payment currency to communicate between the payer and the payee to confirm the identities of the payer and the payee, and to prevent the information thief from knowing the actual payment amount accordingly, so as to avoid the information thief from forging or tampering the virtual payment information (the virtual payment information may include information such as virtual currency information, a virtual account of the payer, a virtual account of the payee, etc.), and the exchange rate between the virtual currency and the actual payment currency should be avoided being known to the information thief, for this reason, in the first embodiment of the present invention, a dynamic method may be used to determine the currency conversion algorithm, and accordingly, on the basis of any one of the first embodiment, the following exemplary descriptions are made:

in an exemplary embodiment, step S101 may specifically include: and selecting a currency conversion algorithm from a preset currency conversion algorithm database according to a preset rule according to the size of the actual payment amount. In this way, a currency conversion algorithm database may be pre-established, in which a plurality of currency conversion algorithms are stored, each currency conversion algorithm has its corresponding unique identifier (such as a code, a serial number, etc.), and in addition, an algorithm selection rule may be pre-set, in which an actual payment amount may be divided into a plurality of intervals, and each interval is dynamically or statically associated with any currency conversion algorithm in the currency conversion algorithm database, so that in each payment process, a currency conversion algorithm may be selected from the preset currency conversion algorithm database according to the size of the actual payment amount and the preset algorithm selection rule, so that an information thief cannot know an exchange rate used by the currency conversion algorithm.

Another exemplary embodiment is that step S101 may specifically include: a currency conversion algorithm is randomly selected from a preset currency conversion algorithm database by adopting a random algorithm. The method is similar to the previous embodiment, and a currency conversion algorithm database needs to be preset, but the difference is that in each payment process, a random algorithm is adopted to determine which currency conversion algorithm is selected, the embodiment of the invention does not limit a specific random algorithm, and any random algorithm in the prior art can be applied to the embodiment of the invention to achieve the purpose that an information stealing party cannot know the exchange rate.

In another exemplary embodiment, step S101 may specifically include: a random number is randomly generated as an exchange rate between the virtual currency and the actual payment currency, and a currency conversion algorithm is determined based on the exchange rate. In this way, the type of the virtual currency is not limited (any one of the types can be randomly determined), but a random number is randomly generated by adopting a random number generation algorithm as an exchange rate in each payment process, so that a currency conversion algorithm is determined, and the purpose that an information stealing party cannot know the exchange rate can be achieved.

Step S102: and generating virtual currency information representing the actual payment amount according to the currency conversion algorithm and the actual payment amount, wherein the virtual currency information comprises the type of the virtual currency and the virtual currency amount.

After the currency conversion algorithm is determined in step S101, the corresponding virtual currency amount may be calculated according to the actual payment amount and the exchange rate of the currency conversion algorithm, so as to generate the virtual currency information of the actual payment amount according to the type of the selected virtual currency and the virtual currency amount.

Step S103: and performing virtual payment by transferring the virtual currency information from the payer virtual account to the payee virtual account.

This step S103 is used for performing virtual payment, and there may be a variety of specific implementations, and on the basis of any implementation in the first embodiment of the present invention, the following exemplary descriptions are provided:

in an exemplary embodiment, step S103 may specifically include: and establishing a virtual account database by adopting a third-party server, wherein the virtual account database is used for storing virtual accounts of all users, a payer sends a virtual payment request to the third-party server, and the third-party server transfers the virtual currency information from the payer virtual account to a payee virtual account to perform virtual payment.

In another exemplary embodiment, step S103 may specifically include: and transferring the virtual currency information from the payer virtual account to the payee virtual account by adopting a block chain technology to carry out virtual payment. When the method is implemented, a database account book shared and maintained by multiple users can be established in the block chain, virtual accounts of the users and corresponding virtual currency amount are stored in the database account book, and operations such as transfer are realized by keeping accounts in the database account book. For example, a virtual transfer record may be uploaded into the database book indicating a virtual transfer from the payer virtual account to the payee virtual account to effect a virtual payment to the payee virtual account. It is easy to understand that the payment process is a single-party operation, potential safety hazards such as transferring wrong accounts exist, in order to eliminate the potential safety hazards, a payee can upload confirmation information aiming at the virtual transfer record after receiving the transfer, and the confirmation information is added to the virtual transfer record to enable the virtual transfer record to take effect, so that the virtual payment is completed. Because the block chain has the characteristics of decentralization, no tampering, safety, reliability and the like, by adopting the implementation mode, the safety and the reliability of the virtual payment process can be ensured, and the virtual money can be accurately transferred to the virtual account of the payee.

In another exemplary embodiment, step S103 may specifically include: and respectively establishing virtual account databases in the payer client and the payee client, wherein the virtual account databases are respectively used for storing the payer virtual account and the payee virtual account, and when in virtual payment, the payer client directly sends the virtual currency information to the payee client, the payer virtual account reduces the virtual payment amount, and the payee virtual account increases the virtual payment amount to finish the virtual payment process.

Step S104: and sending the account identification information corresponding to the virtual currency information to a payee, so that the payee performs identity authentication on a payer according to the account identification information and determines whether the virtual payment is confirmed to be successful.

Therefore, on the basis of any implementation manner in the first embodiment of the present invention, the accounting information includes payer identity information, and after receiving the accounting information, the payee may perform identity authentication on the payer according to the accounting information, specifically, perform identity authentication on the payer, which may include: and authenticating the legality and correctness of the identity of the payer.

For the payee, whether to confirm the virtual payment is successful may be determined based on whether the virtual currency information received in the payee virtual account meets expectations. Because the virtual money information is generated by the payer or the virtual payment server, the payee does not know the size of the actual payment amount represented by the virtual money information, and therefore, whether the virtual money information is in accordance with the expectation is judged, one way is that the payer informs the payee of the exchange rate used by the money conversion algorithm, the payee calculates the size of the actual payment amount represented by the virtual money information according to the exchange rate, and then judges whether the virtual money information is in accordance with the expectation according to whether the actual payment amount is in accordance with the expectation, or the payee calculates the virtual money information to be received according to the exchange rate and the actual payment amount, and then judges whether the virtual money information is in accordance with the expectation according to whether the virtual money amount to be received is in accordance with the actual virtual money amount to be received; the other mode is that the payer informs the payee of the amount of the virtual money to be received, and the payee judges whether the information of the virtual money conforms to the expectation according to whether the amount of the virtual money to be received is consistent with the amount of the virtual money actually received.

Based on the above description, on the basis of any implementation manner in the first embodiment of the present invention, the account information may further include the exchange rate, the code of the money conversion algorithm, or the amount of the virtual money to be received, so that the payee determines whether the received virtual money information is in accordance with the expected result according to the account information, and further determines whether to confirm that the virtual payment is successful.

It is easy to think that, in the implementation of the above-mentioned embodiment, it should be avoided that the exchange rate, the amount of the virtual money to be received, or the identity information of the payer is simultaneously disclosed to the information stealing party, so that, in the implementation of this step S104, there may be a plurality of embodiments:

one embodiment is: and sending the account identification information to a payee by adopting a communication link different from the virtual payment so as to avoid the information stealing party from stealing the virtual payment information and the account identification information at the same time.

Another embodiment is: the account information may be a ciphertext generated according to the exchange rate or the amount of the virtual currency that should be received, for example, the identifier of the currency conversion algorithm is sent to the payee as the account information, so that the information thief cannot know the exchange rate even though the account information is stolen without the currency conversion algorithm database, and thus cannot know the actual payment amount.

Yet another embodiment is: the account information is encrypted and then sent to a payee, the payee decrypts the account information according to a corresponding decryption algorithm to obtain a plaintext of the account information, and the information stealing party cannot know the exchange rate or the amount of the virtual currency which should be received even without the corresponding decryption algorithm.

Further, another embodiment is: and sending the account information corresponding to the virtual currency information to a payee through voice communication and/or video communication, wherein the account information comprises the account information in a voice form and/or the account information in a video form. For example, the payer and the payee perform voice or video communication, the payer can inform the payee of the exchange rate, the amount of the virtual currency to be received, or the identifier of the currency conversion algorithm through voice or video, and the payee can perform identity authentication on the payer according to voice communication interaction or video live broadcast interaction and determine whether the received virtual currency information meets expectations; in addition, the payer can record multimedia information such as short video and the like and send the multimedia information to the payee, and the payee performs identity authentication on the payer according to the multimedia information.

Given the above exemplary embodiments for avoiding the disclosure of the accounting information from causing the exchange rate, the amount of the virtual currency to be received, or the identity information of the payer to be known by the information stealing party, those skilled in the art can implement the above-mentioned operations by making reasonable changes or combinations according to the above description and actual requirements, and all of them are within the scope of the present invention.

Step S105: detecting whether the payee confirms that the virtual payment is successful, and performing identity authentication on the payee.

After the virtual payment is completed, whether the payee confirms that the virtual payment is successful needs to be detected, and if the payee does not confirm, or the payee confirms that the virtual payment is failed, or information whether the payee confirms that the virtual payment is successful is not detected, it indicates that potential safety hazards exist, and actual payment cannot be performed.

On the basis of any implementation manner in the first embodiment of the present invention, in step S105, detecting whether the payee confirms that the virtual payment is successful may specifically be detecting according to whether receipt information indicating that the virtual payment is confirmed successfully is received, where the receipt information is received and then the payee confirms that the virtual payment is successful; for the situation of virtual payment through the block chain, whether the virtual payment is successfully confirmed by the payee can be judged by inquiring whether confirmation information which is uploaded by the payee and aims at the virtual payment exists in the block chain, and if the confirmation information exists, the virtual payment is successfully confirmed by the payee; in addition, the payer and the payee can also carry out voice or video communication, the payee can inform the payer of successful virtual payment through voice or video, the payer carries out confirmation operation in the payer client, and the payee client can determine whether the payee confirms successful virtual payment according to whether the confirmation operation is detected.

In addition, the identity authentication of the payee is also required to further ensure that the payee is the party expected for payment, and the validity and correctness of the actual payment payee are ensured. On the basis of any implementation manner in the first embodiment of the present invention, the performing identity authentication on the payee may include: and authenticating the legality and correctness of the identity of the payee. In specific implementation, after the payee confirms that the virtual payment is successful, the payee can send identity authentication information to the payer, and the payer authenticates the legality and correctness of the payee according to the identity authentication information, and only after the authentication is passed, the actual payment is carried out.

Similar to the process of the payee authenticating the identity of the payer, on the basis of any one of the embodiments of the present invention, the authenticating the identity of the payee may include:

and carrying out identity authentication on the payee through voice communication interaction, video live broadcast interaction or multimedia information interaction. For example, the payer and the payee carry out voice or video communication, and the payer can carry out identity authentication on the payee according to voice communication interaction or video live broadcast interaction; in addition, the payee can also record multimedia information such as short video and the like and send the multimedia information to the payer, and the payer authenticates the identity of the payee according to the multimedia information. It is easy to understand that when voice or video communication is performed, the identity authentication of the payee to the payer and the identity authentication of the payer to the payee can be simultaneously realized.

In addition, the payer and the payee can customize the identity authentication mode for the payee, for example, before the identity authentication for the payee, the payer can designate any one of the identity authentication modes to perform the identity authentication for the payee; correspondingly, the payee can also designate any one of the above identity authentication methods to perform identity authentication on the payer.

Step S106: and if the payee is detected to confirm that the virtual payment is successful and pass the identity authentication of the payee, carrying out actual payment according to the actual payment amount.

If the virtual payment confirmed by the payee is not detected to be successful, or the identity authentication of the payee is not passed, the potential safety hazard may exist, and the actual payment is not carried out.

It should be noted that in this step S106, there may be a plurality of specific implementations of performing actual payment, and on the basis of any implementation in the first embodiment of the present invention, the following description is made by way of example:

in an exemplary embodiment, step S106 may specifically include: and establishing an actual account database by adopting a third-party server, wherein the actual account database is used for storing actual accounts of all users, sending actual payment requests to the third-party server by a payment party, deducting the actual payment amount from the actual account of the payment party by the third-party server, and adding the actual payment amount from the actual account of the collection party to finish actual payment.

Another exemplary embodiment is that step S106 may specifically include: and deducting the actual payment amount from the actual account of the payer by adopting a block chain technology, and adding the actual payment amount from the actual account of the payee to finish the actual payment. When the method is implemented, a database account book shared and maintained by multiple users can be established in the block chain, the actual accounts and the corresponding actual monetary amounts of the users are stored in the database account book, and the users realize the operations of transferring accounts and the like by keeping accounts in the database account book. For example, an actual transfer record may be uploaded into the database book indicating that the actual payment amount was deducted from the payer's actual account and added to the payee's actual account to effect the actual payment to the payee's actual account. It is easy to understand that the payment process is a single-party operation, potential safety hazards such as transferring wrong accounts exist, in order to eliminate the potential safety hazards, a payee can upload confirmation information aiming at the actual transfer record after receiving the transfer, and the confirmation information is added to the actual transfer record so that the actual transfer record can take effect to complete actual payment. Because the block chain has the characteristics of decentralization, no tampering, safety, reliability and the like, by adopting the implementation mode, the safety and the reliability of the actual payment process can be ensured, and the actual money is ensured to be accurately transferred to the actual account of the payee.

The above completes the flow description of the virtual currency-based electronic payment method provided in the first embodiment of the present invention through steps S101 to S106.

The electronic payment method based on the virtual currency provided by the embodiment of the invention generates the virtual currency information representing the actual payment amount through the dynamically determined currency conversion algorithm, performs the virtual payment by using the virtual currency information, and performs the actual payment after the identity authentication of the payee is passed and the payee is detected to confirm that the virtual payment is successful. Compared with the prior art, the invention firstly carries out virtual payment, carries out actual payment after the virtual payment is successful, finishes the identity confirmation between a payer and a payee and the confirmation of payment amount along with the virtual payment process, carries out the actual payment on the basis, and the thief needs to steal funds of the payer, not only tampers or forges the information transmitted in the actual payment process, but also tampers or forges the information transmitted in the virtual payment process, and because the virtual currency information is generated according to a dynamically determined currency conversion algorithm, the thief cannot determine the meaning of the actual representation even though the thief steals the virtual currency information, which causes difficulty for the information of the forgery or the falsification of the virtual payment, and the final completion of the actual payment depends on whether the payee confirms the success of the virtual payment and the result of the identity authentication of the payee, therefore, the method can ensure that the payee receiving the virtual payment is the expected payee, and even if the leakage, the falsification and the forgery of the payment information occur, the property cannot be transferred to the account of the stealing party under the condition that the payee can not detect that the virtual payment is successfully confirmed, the payee can not confirm the successful virtual payment or the identity authentication of the payee is not passed, thereby not causing the loss of the actual property. In conclusion, the technical scheme of the invention can effectively prevent the payment information from being leaked in the electronic payment process and improve the safety of electronic payment. In addition, the payment process is divided into a plurality of mutually associated steps, and the completion of the actual payment is affected when any one step is abnormal, so that the problems of loss, reduction or error of the actual amount of the user account caused by possible abnormalities such as packet loss and disconnection in a mobile environment can be effectively avoided.

Example two:

it should be noted that, an execution main body of the electronic payment method based on virtual currency provided in the first embodiment of the present invention may be a payer client, or a payment server, or may be executed and completed by multiple participants, for example, please refer to fig. 2, which shows a schematic diagram that an execution main body provided in the second embodiment of the present invention is a payer client, the second embodiment may be understood by referring to the description of a part of the above embodiments, as shown in fig. 2, the payer client 1 and the payee client 2 are the same clients, and are configured with a real account module, a virtual account module, an account recognition module, and an encryption module, the payer firstly inputs an actual payment amount in the real account module 11 of the payer client 1, the real account module 11 sends the actual payment amount to the virtual account module 12, the virtual account module 12 executes steps S101, S102, and S103 to complete virtual payment, meanwhile, the identifier of the adopted currency conversion algorithm is sent to the account identification module 13, the account identification module 13 generates account information according to the identifier and sends the account information to the encryption module 14 for encryption, the encrypted account information is sent to the payee client 2, after the payee client 2 receives the encrypted account information, the encryption module 24 is called to carry out decryption by adopting a corresponding decryption algorithm, the decrypted account information is obtained and sent to the account identification module 23, the account identification module 23 acquires the identifier of the currency conversion algorithm adopted by the payer according to the account information and sends the identifier to the virtual account module 22, the virtual account module 22 calls a corresponding currency conversion algorithm according to the identifier to convert the virtual currency information received by the virtual account of the payee into actual payment amount and sends the actual payment amount to the real account module 21, and the actual payment amount is displayed by the real account module 21 and is confirmed by the payee user, if the operation that the payee user represents confirmation is detected, a receipt representing successful virtual payment is sent to the payer client 1, and after the payer client 1 receives the receipt, the real account module 11 executes steps S105 and S106 to complete actual payment, wherein steps S103 and S106 can be realized through the block chain 4.

In the payment process, encrypted account information is transmitted between the payer client 1 and the payee client 2, and even if the encrypted account information is stolen by the information stealing party 3, the account information cannot be identified due to the absence of a corresponding encryption module, so that the account information cannot be tampered or forged. In addition, since steps S103 and S106 are implemented by using a blockchain technology, and the blockchain technology uses an information transmission protocol with data traceability, the information stealer 3 cannot masquerade as a payer or a payee in the whole data transmission process, nor can the payment information be forged, because the payer and the payee can identify the forged payment information under the blockchain technology, so that the security of the payment process can be ensured.

Example three:

in the first embodiment, the invention provides an electronic payment method based on virtual currency, and correspondingly, the invention also provides an electronic payment device based on virtual currency. Please refer to fig. 3, which is a schematic diagram of an electronic payment apparatus based on virtual currency according to a third embodiment of the present invention. Since the device embodiment is basically similar to the method embodiment, the description is relatively simple, and the relevant points can be referred to the partial description of the method embodiment. The device embodiments described below are merely illustrative.

An electronic payment device based on virtual currency provided by the third embodiment of the invention comprises:

a conversion algorithm determination module 101 for dynamically determining a currency conversion algorithm, wherein the currency conversion algorithm comprises a type of virtual currency and an exchange rate between the type of virtual currency and an actual payment currency;

a virtual currency generating module 102, configured to generate virtual currency information representing an actual payment amount according to the currency conversion algorithm, where the virtual currency information includes a type of virtual currency and a virtual currency amount;

a virtual currency payment module 103, configured to perform virtual payment by transferring the virtual currency information from the payer virtual account to the payee virtual account;

an account information sending module 104, configured to send account information corresponding to the virtual currency information to a payee, so that the payee performs identity authentication on a payer according to the account information and determines whether to confirm that the virtual payment is successful;

a payee identity authentication module 105, configured to perform identity authentication on the payee and detect whether the payee has confirmed that the virtual payment is successful;

and the actual payment module 106 is configured to perform actual payment according to the actual payment amount if it is detected that the payee confirms that the virtual payment is successful and passes the identity authentication of the payee.

When the electronic payment device operates, on one hand, the actual payment amount input by a payer is obtained, on the other hand, the conversion algorithm determining module 101 dynamically determines a currency conversion algorithm, then the virtual currency generating module 102 generates virtual currency information representing the actual payment amount according to the actual payment amount, virtual payment is carried out through the virtual currency payment module 103, the account information is sent to the payee through the account information sending module 104, then identity authentication is carried out on the payee through the payee identity authentication module 105, whether the payee confirms the virtual payment success is detected, and after the identity of the payee is ensured to be correct, the actual payment module 106 is triggered to carry out the actual payment, so that the payment information in the electronic payment process can be effectively prevented from being leaked, and the safety and reliability of the electronic payment are improved.

In view of the above, one of the purposes of introducing the virtual currency in the first embodiment of the present invention is to replace the actual payment currency to communicate between the payer and the payee to confirm the identities of the payer and the payee, and to prevent the information thief from knowing the actual payment amount accordingly, so as to prevent the information thief from forging or tampering the virtual payment information (the virtual payment information may include information such as virtual currency information, a virtual account of the payer, a virtual account of the payee, and the like), and the exchange rate between the virtual currency and the actual payment currency should be avoided being known by the information thief, for this reason, in a modified embodiment of the third embodiment of the present invention, on the basis of any embodiment of the third embodiment, the conversion algorithm determining module 101 may specifically include any one of the following conversion algorithm determining units:

In order to ensure the safety and reliability of the virtual payment process and ensure that the virtual money is accurately transferred to the virtual account of the payee, in a modified implementation manner of the second embodiment of the present invention, on the basis of any implementation manner of the second embodiment of the present invention, the virtual money payment module 103 may specifically include:

On the basis of the above modification, in a modification of the third embodiment of the present invention, the payee identity authentication module 105 may specifically include:

and the virtual payment confirmation unit is used for judging that the payee confirms that the virtual payment is successful if the virtual payment confirmation unit exists.

In order to enable the payer to better confirm the identity of the payee, in a modified implementation manner of the third embodiment of the present invention, the payee identity authentication module 105 includes:

and the multimedia identity authentication unit is used for carrying out identity authentication on the payee through voice communication interaction, video live broadcast interaction or multimedia information interaction. In order to facilitate the payee to determine the identity of the payer, on the basis of any implementation manner in the third embodiment of the present invention, the accounting information sending module 104 includes:

On the basis of any implementation manner in the third embodiment of the invention, the account identification information includes identity information of a payer; alternatively, the billing information includes payer identification information and a code of the money conversion algorithm. So that the payee confirms the identity of the payer according to the account information. And under the condition that the account identification information comprises payer identity information and a code of the currency conversion algorithm, the payer can also determine the adopted currency conversion algorithm according to the code of the currency conversion algorithm, further judge whether the virtual currency information received in the virtual account of the payee accords with the expectation according to the currency conversion algorithm, and judge whether the virtual payment is successfully confirmed according to whether the virtual currency information accords with the expectation.

In order to avoid the leakage of the accounting information, in a modified implementation manner of the second embodiment of the present invention, the accounting information sending module 104 may specifically include:

and an account information encryption transmission unit for encrypting the account information corresponding to the virtual money information and transmitting the encrypted account information to the receiver.

In order to ensure the safety and reliability of the actual payment process and ensure that the actual money is accurately transferred to the actual account of the payee, in an alternative implementation manner of the third embodiment of the present invention, on the basis of any implementation manner of the third embodiment of the present invention, the actual payment module 106 includes:

The above is a description of an embodiment of an electronic payment apparatus based on virtual currency according to a third embodiment of the present invention.

The electronic payment device based on the virtual currency and the electronic payment method based on the virtual currency have the same inventive concept and the same beneficial effects, and are not repeated herein.

Example four:

referring to fig. 4, a flowchart of an electronic payment method based on virtual currency according to a fourth embodiment of the present invention is shown, where the electronic payment method is implemented in cooperation with the electronic payment method based on virtual currency according to the present invention, and an execution subject of the electronic payment method is an electronic payment recipient, and some relevant contents have been described in the first and second embodiments, and the fourth embodiment can be understood with reference to the description of the first and second embodiments.

As shown in fig. 4, the electronic collection method based on virtual currency according to the fourth embodiment includes:

step S201: whether the virtual account of the payee receives the virtual currency information which represents the actual payment amount and is sent by the payer is detected.

In addition to any one of the fourth embodiment of the present invention, step S201 may include: whether the virtual account of the payee stored in the blockchain receives the virtual currency information representing the actual payment amount sent by the payer is detected.

Step S202: and receiving the account information sent by the payer, performing identity authentication on the payer according to the account information, and determining whether the virtual payment is confirmed to be successful.

In addition to any one of the fourth implementation manners of the embodiment of the present invention, in step S202, the receiving the accounting information sent by the payer may include:

accepting the account information corresponding to the virtual currency information through voice communication and/or video communication, wherein the account information comprises account information in a voice form and/or account information in a video form.

Optionally, the account identification information includes payer identity information; alternatively, the billing information includes payer identification information and a code of the money conversion algorithm.

On the basis of any one of the fourth implementation manners of the embodiment of the present invention, the determining whether to confirm the virtual payment success may specifically include:

displaying the virtual currency information;

and determining whether the virtual payment is successfully confirmed according to the operation of the payee user after checking the virtual currency information. For example, the payee user determines whether to confirm the virtual payment is successful based on whether the viewed virtual currency information is expected.

On the basis of any one of the fourth implementation manners of the embodiment of the present invention, the receiving the accounting information sent by the payer may include:

receiving encrypted account information sent by the payer;

and decrypting the encrypted account information to obtain the account information.

Step S203: and after the virtual payment is confirmed to be successful, identity authentication information is sent to the payer so that the payer can perform identity authentication on the payee according to the identity authentication information.

In order to facilitate the payer to more accurately determine the identity of the payee, on the basis of any one of the four embodiments of the present invention, the sending of the identity authentication information to the payer, so that the payer performs identity authentication on the payee according to the identity authentication information, may include:

and sending authentication information to the payer through voice communication interaction, video live broadcast interaction or multimedia information interaction so that the payer can perform identity authentication on the payee.

Step S204: an actual payment amount actually paid by the payer is received.

On the basis of any one of the fourth implementation manners of the embodiment of the present invention, step S204 is implemented by using a block chain technique, where step S204 may include:

converting the virtual currency information into an actual payment amount according to a currency conversion algorithm represented by the code of the currency conversion algorithm; wherein the conversion algorithm comprises a type of virtual currency and an exchange rate between the type of virtual currency and an actual payment currency;

and updating the actual account of the payee in the block chain according to the actual payment amount request.

On the basis of the foregoing embodiment, the updating the payee actual account in the blockchain according to the actual payment amount request may include:

uploading a payee account update record indicating that the actual payment amount is added to the payee actual account to the actual ledger stored in the blockchain. The electronic payment method based on the virtual currency is implemented in a matching way with the electronic payment method based on the virtual currency, and the electronic payment method based on the virtual currency have the same beneficial effects due to the same inventive concept, and are not repeated herein.

Example five:

in the fourth embodiment, the invention provides an electronic money receiving method based on virtual money, and correspondingly, the invention also provides an electronic money receiving device based on virtual money. Please refer to fig. 5, which is a schematic diagram of an electronic payment device based on virtual currency according to a fifth embodiment of the present invention. Since the device embodiment is basically similar to the method embodiment, the description is relatively simple, and the relevant points can be referred to the partial description of the method embodiment. The device embodiments described below are merely illustrative.

As shown in fig. 5, the electronic money receiving apparatus based on virtual currency according to the fifth embodiment includes:

a virtual payment detection module 201, configured to detect whether the virtual account of the payee receives virtual currency information representing an actual payment amount sent by the payer;

an account information receiving module 202, configured to receive account information sent by the payer, perform identity authentication on the payer according to the account information, and determine whether to confirm that the virtual payment is successful;

the authentication information sending module 203 is configured to send identity authentication information to the payer after the virtual payment is confirmed to be successful, so that the payer performs identity authentication on the payee according to the identity authentication information;

and the actual payment receiving module 204 is used for receiving the actual payment amount actually paid by the payer.

On the basis of any one of the fifth embodiment of the present invention, the virtual payment detection module 201 includes:

and the block chain virtual payment detection unit is used for detecting whether the virtual account of the payee stored in the block chain receives the virtual currency information which represents the actual payment amount and is sent by the payer.

On the basis of any one of the fifth embodiment of this embodiment, the accounting information receiving module 202 may include:

and the voice and video receiving unit is used for receiving the account information corresponding to the virtual currency information through voice communication and/or video communication, and the account information comprises the account information in a voice form and/or the account information in a video form.

On the basis of any one of the fifth embodiment, the account identification information includes payer identification information; alternatively, the billing information includes payer identification information and a code of the money conversion algorithm.

In order to facilitate the payer to more accurately determine the identity of the payee, on the basis of any one of the fifth implementation manners of the embodiment of the present invention, the authentication information sending module 203 may include:

and the multimedia information sending unit is used for sending authentication information to the payer through voice communication interaction, video live broadcast interaction or multimedia information interaction so that the payer can perform identity authentication on the payee.

On the basis of any one of the fifth embodiment of this embodiment, the accounting information receiving module 202 may specifically include:

a virtual money information display unit for displaying the virtual money information;

and the virtual payment determining unit is used for determining whether the virtual payment is successful according to the operation of the payee user after checking the virtual currency information. For example, the payee user determines whether to confirm the virtual payment is successful based on whether the viewed virtual currency information is expected.

On the basis of any one of the fifth implementation manners of the embodiment of the present invention, the accounting information receiving module 202 may include:

an encrypted account information receiving unit, configured to receive encrypted account information sent by the payer;

and the account information decryption unit is used for decrypting the encrypted account information to obtain the account information.

On the basis of any one of the fifth embodiment of the present invention, the actual payment receiving module 204 may include:

an actual payment amount calculation unit that converts the virtual currency information into an actual payment amount in accordance with a currency conversion algorithm represented by a code of the currency conversion algorithm; wherein the conversion algorithm comprises a type of virtual currency and an exchange rate between the type of virtual currency and an actual payment currency;

and the block chain real account updating unit is used for requesting to update the actual account of the payee in the block chain according to the actual payment amount.

On the basis of the foregoing embodiment, the block chain real account updating unit may include:

and the block chain updating record sending subunit is used for uploading a payee account updating record which indicates that the actual payment amount is added to the payee actual account to the actual general ledger stored in the block chain.

In the description herein, references to the description of "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

It should be noted that the flowchart 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 and/or flowchart illustration, and combinations of blocks in the block diagrams and/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 electronic payment device and the electronic cash register device based on virtual currency provided by the embodiment of the present invention may be a computer program product, and include a computer readable storage medium storing a program code, where instructions included in the program code may be used to execute the method described in the foregoing method embodiment, and specific implementation may refer to the method embodiment, and will not be described herein again.

It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the embodiments provided in the present invention, it should be understood that the disclosed system, apparatus and method may be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and there may be other divisions when actually implemented, and for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of devices or units through some communication interfaces, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.

The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.

Claims

1. An electronic payment method based on virtual currency, comprising:

sending the account information corresponding to the virtual currency information to a payee, so that the payee performs identity authentication on a payer according to the account information and determines whether virtual payment is confirmed to be successful; the account information comprises at least one of the exchange rate, the currency conversion algorithm, the amount of virtual currency to be received, and payer identity information;

2. The method of claim 1, wherein the dynamically determining a currency conversion algorithm comprises:

3. The method of claim 1, wherein making a virtual payment by transferring the virtual currency information from a payer virtual account to a payee virtual account comprises:

4. The method of claim 3, wherein the detecting whether the payee confirms the success of the virtual payment comprises:

if yes, the payee is judged to confirm that the virtual payment is successful.

5. The method of claim 1, wherein the authenticating the payee comprises:

6. The method of claim 1, wherein sending the account information corresponding to the virtual currency information to a recipient comprises:

7. The method of claim 1, wherein said making an actual payment based on said actual payment amount comprises:

8. An electronic payment device based on virtual currency, comprising:

the account information sending module is used for sending the account information corresponding to the virtual currency information to a payee so that the payee can carry out identity authentication on a payer according to the account information and determine whether the virtual payment is successfully confirmed; the account information comprises at least one of the exchange rate, the currency conversion algorithm, the amount of virtual currency to be received, and payer identity information;

9. An electronic collection method based on virtual currency, comprising:

receiving the account information sent by the payer, performing identity authentication on the payer according to the account information, and determining whether the virtual payment is confirmed to be successful; the account information comprises at least one of exchange rate, currency conversion algorithm, virtual currency amount to be received and payer identity information;

an actual payment amount actually paid by the payer is received.

10. An electronic payment device based on virtual currency, comprising:

the account information receiving module is used for receiving the account information sent by the payer, authenticating the identity of the payer according to the account information and determining whether the virtual payment is confirmed to be successful; the account information comprises at least one of exchange rate, currency conversion algorithm, virtual currency amount to be received and payer identity information;