CN109785138A - A kind of terminal device for supporting to exchange between digital cash and commodity money - Google Patents
A kind of terminal device for supporting to exchange between digital cash and commodity money Download PDFInfo
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- CN109785138A CN109785138A CN201910143193.9A CN201910143193A CN109785138A CN 109785138 A CN109785138 A CN 109785138A CN 201910143193 A CN201910143193 A CN 201910143193A CN 109785138 A CN109785138 A CN 109785138A
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- 238000006243 chemical reaction Methods 0.000 claims abstract description 63
- 238000004891 communication Methods 0.000 claims abstract description 18
- 230000005540 biological transmission Effects 0.000 claims description 14
- 238000012790 confirmation Methods 0.000 claims description 12
- 238000000034 method Methods 0.000 abstract description 14
- 238000010168 coupling process Methods 0.000 description 3
- 238000005859 coupling reaction Methods 0.000 description 3
- 230000008878 coupling Effects 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 2
- 239000010931 gold Substances 0.000 description 2
- 229910052737 gold Inorganic materials 0.000 description 2
- 239000000463 material Substances 0.000 description 2
- 230000002159 abnormal effect Effects 0.000 description 1
- 238000012508 change request Methods 0.000 description 1
- 238000000586 desensitisation Methods 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 230000000977 initiatory effect Effects 0.000 description 1
- 238000005192 partition Methods 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
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Abstract
The invention discloses a kind of terminal devices for supporting to exchange between digital cash and commodity money, by on the terminal device, communication module receives exchange corresponding with the currency conversion request instruction that server is sent, commodity money determining module counts to the commodity money of deposit terminal device and money-checking, determine amount of currency, communication module sends amount of currency to server, the remaining sum of the first specified digital cash account of currency conversion request and the remaining sum of the corresponding second digital cash account of terminal device are changed according to amount of currency for server, above-mentioned terminal device, which realizes, directly exchanges commodity money to the third party site for having terminal device using digital cash, or digital cash directly is exchanged to the third party site for having terminal device using commodity money, the redemption process solved between digital cash and commodity money is excessively multiple Miscellaneous problem reduces the time cost exchanged between digital cash and commodity money.
Description
Technical field
The present invention relates to information technology field, support to exchange between digital cash and commodity money more particularly to a kind of
Terminal device.
Background technique
E-payment is very universal, and many people carry cash fewer and fewerly, but go back in some occasions user
Need using cash, or sometimes user obtain needing to be exchanged into after cash digital cash come using.
In order to get cash or by cash redemption at digital cash, usual user need bank sales counter withdraw the money or
Deposit, or withdrawn the money or deposited to automatic teller machine, it may be necessary to it will be in the digital cash account that cannot directly withdraw the money
Digital cash withdraw deposit into the bank account that can be withdrawn the money, could complete withdraw the money, it is also possible to need by larger distance ability
Find bank counter or automatic teller machine.
In short, at present the redemption process between digital cash and commodity money be it is more complicated, will usually expend use
The higher time cost at family, it is inconvenient.
Summary of the invention
In view of the above problems, a kind of terminal device for supporting to exchange between digital cash and commodity money is proposed, with solution
Redemption process certainly between digital cash and commodity money is excessively complicated, the high problem of the time cost of exchange.
According to one aspect of the present invention, it provides and a kind of the terminal exchanged between digital cash and commodity money is supported to set
It is standby, comprising:
Commodity money determining module is determined for counting to the commodity money for being stored in the terminal device and money-checking
Amount of currency；
Communication module, for receiving exchange corresponding with the currency conversion request instruction of server transmission, to the clothes
Business device sends the amount of currency, so that the server changes what the currency conversion request was specified according to the amount of currency
The remaining sum of the remaining sum of first digital cash account and the corresponding second digital cash account of the terminal device.
Wherein, the server receives the currency conversion request that the first client is sent, and the currency conversion request carries
Terminal Equipment Identifier determines that the terminal device, Xiang Suoshu terminal device are sent and the goods according to currency conversion request
Currency exchange requests corresponding exchange instruction.
Optionally, the terminal device further include:
Handwriting screen is used for before the amount of currency to server transmission, receiving terminal apparatus manager
The first authentication information and first client user the second authentication information；
The communication module is also used to send first authentication information and the second authentication to the server
Information.
Optionally, the terminal device further include:
Display, for showing the redemption amount exchanging instruction and carrying；
Keyboard, the user for receiving first client are directed to the confirmation operation of the redemption amount；
Processor, if being commodity money redemption request for currency conversion request, described to the server
Before sending the amount of currency, determine that the amount of currency is consistent with the redemption amount.
Optionally, the terminal device further include:
Bluetooth module is used for before the amount of currency to server transmission, by the coinage gold forelock
Give first client；Receive the confirmation message of first client feedback.
Optionally, the terminal device further include:
Fingerprint recording module, the second authentication information for receiving terminal apparatus manager；
Or, keyboard, the tiers e'tat authentication information for receiving terminal apparatus manager.
In conclusion communication module receives the opposite with currency conversion request of server transmission by the terminal device
The exchange instruction answered, commodity money determining module counts to the commodity money for being stored in the terminal device and money-checking, determines
Amount of currency, communication module sends the amount of currency to the server, so that the server is according to the amount of currency
Change the remaining sum and corresponding second number of the terminal device of the first specified digital cash account of the currency conversion request
The remaining sum of monetary accounts, above-mentioned terminal device realizes directly can be to the third party's net for having terminal device using digital cash
Point exchanges commodity money, or digital goods directly can be exchanged to the third party site for having terminal device using commodity money
Coin solves the problems, such as that the redemption process between digital cash and commodity money is excessively complicated, reduces digital cash and material object
The time cost exchanged between currency.
Detailed description of the invention
By reading the following detailed description of the preferred embodiment, various other advantages and benefits are common for this field
Technical staff will become clear.The drawings are only for the purpose of illustrating a preferred embodiment, and is not considered as to the present invention
Limitation.And throughout the drawings, the same reference numbers will be used to refer to the same parts.In the accompanying drawings:
Fig. 1 shows one of embodiment of the present invention one and the terminal exchanged between digital cash and commodity money is supported to set
Standby structural schematic diagram.
Specific embodiment
Exemplary embodiments of the present disclosure are described in more detail below with reference to accompanying drawings.Although showing the disclosure in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
It is limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
It is fully disclosed to those skilled in the art.
Embodiment one
Referring to Fig.1, show what one of embodiment of the present invention one was supported to exchange between digital cash and commodity money
The structural schematic diagram of terminal device, can specifically include:
Commodity money determining module 111, for counting to the commodity money for being stored in the terminal device and money-checking, really
Determine amount of currency；
Communication module 112, for receiving exchange corresponding with the currency conversion request instruction of server transmission, Xiang Suoshu
Server sends the amount of currency, requests to specify so that the server changes the currency conversion according to the amount of currency
The first digital cash account remaining sum and the corresponding second digital cash account of the terminal device remaining sum.
Wherein, the server receives the currency conversion request that the first client is sent, and the currency conversion request carries
Terminal Equipment Identifier determines that the terminal device, Xiang Suoshu terminal device are sent and the goods according to currency conversion request
Currency exchange requests corresponding exchange instruction.
Terminal device 110 is to provide the terminal device of currency conversion services, and digital cash can be supported to exchange commodity money,
Commodity money can also be supported to exchange digital cash.Terminal device 110 can pass through cable network or wireless network and server
It is connected, service page relevant to currency conversion services can be obtained from server, can also provide to server and be converted with currency
The relevant information of the service of changing.
Server is to provide the server computer system of currency conversion services.Server is usually the collection of multiple servers
Group, every server is for realizing one or more functional module.Server can be to provide digital cash and material object
The cluster for the background server system exchanged between currency.Wherein, the background server system for providing currency conversion services can be with
It is the background server system of bank client or the background server system of instant chat program or e-payment journey
The background server system of sequence or with bank's third-party server system for connecting of backstage or any other applicable clothes
Business device system, the embodiment of the present invention are without limitation.
In embodiments of the present invention, the first client is that the application program (English of currency conversion services is provided by server
Referred to as: APP).First client can be bank client, instant communication client, e-payment client or other
The applicable client of meaning, the embodiment of the present invention are without limitation.
Currency conversion request includes that the digital cash of the first client initiation exchanges the request of commodity money, commodity money is converted
Change the request of digital cash.Carried terminal device identification is requested in currency conversion, so that server is determined according to Terminal Equipment Identifier
Terminal device, then issue currency conversion request to corresponding terminal device and accordingly exchange instruction.
After the communication module 112 of terminal device 110 receives exchange instruction, commodity money determining module 111 determines deposit eventually
The amount of currency of the commodity money of end equipment, communication module 112 send amount of currency to server.If the exchange instruction received
It is the instruction that digital cash exchanges commodity money, then is stored in by terminal unit management person (for example, cashier of convenience store) in kind
Currency issues server after terminal device determines the amount of currency of commodity money.If the exchange instruction received is commodity money
The instruction of digital cash is exchanged, then commodity money is stored in by the user of the first client, terminal device determines the goods of commodity money
After the coin amount of money, server is issued.
Wherein, commodity money determining module 111 can be made of a cash box by counting and cash examining function, and communicate mould
Block 112 includes supporting wifi or Ethernet or 2G network or 3G network or the communication components such as 4G network or 5G network, specifically
It may include any suitable mode, the embodiment of the present invention is without limitation.
After server receives amount of currency, the first specified number of the currency conversion request is changed according to the amount of currency
The remaining sum of the remaining sum of word monetary accounts and the corresponding second digital cash account of the terminal device.Currency conversion request is specified
First digital cash account includes the first digital cash account logged in the first client, is also possible to by user in the first visitor
The the first digital cash account inputted on the end of family, can specifically include any suitable digital cash account, the embodiment of the present invention
It is without limitation.The corresponding second digital cash account of terminal device includes the second digital goods bound in advance for terminal device
The corresponding relationship of coin account, the second digital cash account and Terminal Equipment Identifier can recorde on the server, for example, in terminal
The the second digital cash account logged in the operation interface of equipment can specifically include the second any suitable digital cash account
Family, the embodiment of the present invention are without limitation.
It is requested in conclusion receiving the currency conversion that the first client is sent by server, the currency conversion request
Carried terminal device identification determines the terminal device according to currency conversion request, and Xiang Suoshu terminal device is sent and institute
It states currency conversion and requests corresponding exchange instruction, on the terminal device, communication module receives converting with currency for server transmission
Change request corresponding exchanges instruction, commodity money determining module to the commodity money for being stored in the terminal device count with
Money-checking determines amount of currency, and communication module sends the amount of currency to the server, so that the server is according to
Amount of currency, which changes the currency conversion, requests the remaining sum of the first specified digital cash account and the terminal device corresponding
The remaining sum of second digital cash account, above-mentioned terminal device realizes directly can be to there is terminal device using digital cash
Commodity money is exchanged in third party site, or can directly be exchanged to the third party site for having terminal device using commodity money
Digital cash solves the problems, such as that the redemption process between digital cash and commodity money is excessively complicated, reduces digital cash
The time cost exchanged between commodity money.
In embodiments of the present invention, optionally, terminal device further include:
Handwriting screen 113 is used for before the amount of currency to server transmission, receiving terminal apparatus management
The second authentication information of the user of the first authentication information of person and first client；
The communication module 112 is also used to send first authentication information and the second identity to the server
Authentication information.
Authentication information include user signing messages or any other applicable information, the embodiment of the present invention pair
This is with no restrictions.
In embodiments of the present invention, optionally, the terminal device further include:
Display 114, for showing the redemption amount exchanging instruction and carrying；
Keyboard 115, the user for receiving first client are directed to the confirmation operation of the redemption amount；
Processor 116, if being commodity money redemption request for currency conversion request, described to the service
Before device sends the amount of currency, determine that the amount of currency is consistent with the redemption amount.
In embodiments of the present invention, optionally, the terminal device further include:
Bluetooth module 117 is used for before the amount of currency to server transmission, by the amount of currency
It is sent to first client；Receive the confirmation message of first client feedback.
In embodiments of the present invention, optionally, the terminal device further include:
Fingerprint recording module 118, the second authentication information for receiving terminal apparatus manager；
Or, keyboard 115, the tiers e'tat authentication information for receiving terminal apparatus manager.
In embodiments of the present invention, optionally, currency conversion request carry first client subscriber identity information,
The account information and currency conversion request type of the first digital cash account；The system also includes:
Server is also used to refer to described to terminal device transmission exchange corresponding with currency conversion request
Before order, according to the subscriber identity information, user identity is verified；
Server, according to the account information and currency conversion request type, determines institute if being also used to verify unanimously
It states currency conversion request and meets default execution condition.
In embodiments of the present invention, optionally, the currency conversion request includes exchanging commodity money using digital cash
Commodity money redemption request or the digital cash redemption request of digital cash is exchanged using commodity money, the commodity money converts
It changes request and carries the redemption amount inputted in first client, corresponding exchange of the commodity money redemption request refers to
It enables and carries the redemption amount；
The system also includes:
Terminal device 110 is also used to before the amount of currency of the determining commodity money for being stored in the terminal device,
It shows the redemption amount exchanging instruction and carrying, receives the confirmation operation of the user of first client；
Terminal device 110, is also used to count to the commodity money of deposit and money-checking, determines the amount of currency；
Terminal device 110, if being also used to the currency conversion request is commodity money redemption request, described to described
Before server sends the amount of currency, determine that the amount of currency is consistent with the redemption amount.
In embodiments of the present invention, optionally, the system also includes:
Terminal device 110 is also used to before the amount of currency to server transmission, receives the terminal
The second authentication information of the user of the first authentication information of apparatus manager and first client；
Terminal device 110, be also used to send to the server amount of currency, first authentication information and
Second authentication information.
In embodiments of the present invention, optionally, the system also includes:
Terminal device 110 is also used to before the amount of currency to server transmission, by the coinage gold
Forelock gives first client, receives the confirmation message of first client feedback.
For example, the process that digital cash exchanges commodity money is as follows:
Having on terminal device the information such as two dimensional code (including Terminal Equipment Identifier), the first client scan obtains information, or
Person can also be by bluetooth connection terminal device, but the transmitting for information of not transacting business, only obtains Terminal Equipment Identifier, sends currency
Redemption request is to server.Two-dimensional barcode information needs can verify correctness, such as utilize TOKEN (token) technology, and TSP verification passes through
Terminal device is reconnected, as included signing messages in two dimensional code payment, the correctness of two dimensional code is verified by server.
Currency conversion request is initiated in the equipment of user such as mobile phone, and the information such as personal name, cell-phone number do not need
It is inputted on counterpart device, avoids the leakage of personal information.
In the first client, need to initiate currency conversion request by authentication, the mode of authentication has
SMS code, login password, biological information (such as fingerprint, face) or any other applicable authentication mode, the present invention
Embodiment is without limitation.
First client and server carry out two-way authentication, and server is issued in currency conversion request by encrypted tunnel,
Currency conversion request can carry the account information and goods of the subscriber identity information of the first client, the first digital cash account
Currency exchange request type, server judge whether currency conversion request meets according to account information and currency conversion request type
(such as account information shows that digital cash account is credit card to default execution condition, and currency conversion request type is number
The type of currency conversion commodity money then forbids credit card for enchashment, therefore does not meet default execution condition).
Server sends to terminal device and exchanges instruction.Redemption amount, and the part of desensitization are shown on the terminal device
People's information may also require that user's input handset identifying code in terminal device, to confirm user identity.
Commodity money is put into terminal device by site managerial personnel (i.e. terminal unit management person), and terminal device counts
And money-checking, confirmation meet the quantity of redemption amount.
Site managerial personnel inputs password or scanning fingerprint or signature (i.e. the first authentication letter in handwriting screen
Breath), the first authentication information of terminal unit management person is issued server backup by terminal device.
Amount of currency can be sent to the first client by bluetooth by terminal device, and user's confirmation meets conversion requirements,
Identifying code (server is calculated according to the time and is sent in the first client) is inputted in terminal device, terminal device will input
Identifying code issue server, if server authentication success, send the information being proved to be successful to terminal device.
User signs (i.e. the second authentication information) in the handwriting screen of terminal device, by the user of the first client
The second authentication information issue server backup.Commodity money is pushed to user by terminal device, and server is according to exchange
The amount of money is completed to reduce the amount of money of the specified digital cash account of currency conversion request, increases the corresponding digital cash account of terminal device
The amount of money at family.
The process that commodity money exchanges digital cash is as follows:
Having on terminal device the information such as two dimensional code (including Terminal Equipment Identifier), the first client scan obtains information, or
Person can also be by bluetooth connection terminal device, but the transmitting for information of not transacting business, only obtains Terminal Equipment Identifier, sends currency
Redemption request is to server.
Currency conversion request is initiated in the equipment of user such as mobile phone, and the information such as personal name, cell-phone number do not need
It is inputted on counterpart device, avoids the leakage of personal information.
In the first client, need to initiate currency conversion request by authentication, the mode of authentication has
SMS code, login password, biological information (such as fingerprint, face) or any other applicable authentication mode, the present invention
Embodiment is without limitation.
First client and server carry out two-way authentication, and server is issued in currency conversion request by encrypted tunnel,
Currency conversion request can carry the account information and goods of the subscriber identity information of the first client, the first digital cash account
Currency exchange request type, server judge whether currency conversion request meets according to account information and currency conversion request type
Default execution condition.
The user of first client by commodity money be put into terminal device (structure of terminal device can be front and back respectively have one
A entrance for being put into commodity money operates convenient for both sides).
Terminal device carries out money-checking counting to the commodity money of deposit, determines amount of currency.Site managerial personnel is in terminal
Password or scanning fingerprint are inputted in equipment or is signed (i.e. the first authentication information) in handwriting screen, have operator with determination
Member participates in, knows and confirmation message is correct, as Locale Holding in thing.
Amount of currency is sent to the first client by bluetooth by terminal device, and user's confirmation meets conversion requirements, user
It signs (i.e. the second authentication information), commodity money can be taken away in the handwriting screen of terminal device.Server is automatically complete
It is reduced at the amount of money of the corresponding second digital cash account of terminal device, and is transferred to the first specified digital goods of currency conversion request
Coin account.
In above procedure, if deposit commodity money is not detected in terminal device, then exchanges and fail.Such as detect that deposit is in kind
Currency does not receive the password of the second digital cash account of terminal device, is divided into the first digital cash account after 24 hours automatically.
Customer service can do abnormal complaint, so third party device needs can inquire every transaction, and have transaction sequence number
It can be used to inquire.Transaction sequence number distributes to terminal device by server, and user can be according to the account logged in the first client
Number come to inquire record of conversion from server.Background server can close the redemption information of the exchange of user and terminal device in this way
Connection.
All the embodiments in this specification are described in a progressive manner, the highlights of each of the examples are with
The difference of other embodiments, the same or similar parts between the embodiments can be referred to each other.
Those of ordinary skill in the art may be aware that the embodiment in conjunction with disclosed in the embodiment of the present invention describe it is each
Exemplary unit and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These
Function is implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Profession
Technical staff can use different methods to achieve the described function each specific application, but this realization is not answered
Think beyond the scope of this invention.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In embodiment provided herein, it should be understood that disclosed device and method can pass through others
Mode is realized.For example, the apparatus embodiments described above are merely exemplary, for example, the division of the unit, only
A kind of logical function partition, there may be another division manner in actual implementation, for example, multiple units or components can combine or
Person is desirably integrated into another system, or some features can be ignored or not executed.Another point, shown or discussed is mutual
Between coupling, direct-coupling or communication connection can be through some interfaces, the INDIRECT COUPLING or communication link of device or unit
It connects, can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Those familiar with the art in the technical scope disclosed by the present invention, can easily think of the change or the replacement, and should all contain
Lid is within protection scope of the present invention.Therefore, protection scope of the present invention should be subject to the protection scope in claims.
Claims (5)
1. a kind of terminal device for supporting to exchange between digital cash and commodity money characterized by comprising
Commodity money determining module determines currency for counting to the commodity money for being stored in the terminal device and money-checking
The amount of money；
Communication module, for receiving exchange corresponding with the currency conversion request instruction of server transmission, Xiang Suoshu server
The amount of currency is sent, so that the server changes specified first of the currency conversion request according to the amount of currency
The remaining sum of the remaining sum of digital cash account and the corresponding second digital cash account of the terminal device.
Wherein, the server receives the currency conversion request that the first client is sent, and carried terminal is requested in the currency conversion
Device identification determines the terminal device according to currency conversion request, and the transmission of Xiang Suoshu terminal device is converted with the currency
Change the corresponding exchange instruction of request.
2. terminal device according to claim 1, which is characterized in that the terminal device further include:
Handwriting screen, for it is described send the amount of currency to the server before, the of receiving terminal apparatus manager
The second authentication information of the user of one authentication information and first client；
The communication module is also used to send first authentication information and the second authentication letter to the server
Breath.
3. terminal device according to claim 1, which is characterized in that the terminal device further include:
Display, for showing the redemption amount exchanging instruction and carrying；
Keyboard, the user for receiving first client are directed to the confirmation operation of the redemption amount；
Processor is sent described to the server if being commodity money redemption request for currency conversion request
Before the amount of currency, determine that the amount of currency is consistent with the redemption amount.
4. terminal device according to claim 1, which is characterized in that the terminal device further include:
Bluetooth module, for before the amount of currency to server transmission, the amount of currency to be sent to
First client；Receive the confirmation message of first client feedback.
5. terminal device according to claim 1, which is characterized in that the terminal device further include:
Fingerprint recording module, the second authentication information for receiving terminal apparatus manager；
Or, keyboard, the tiers e'tat authentication information for receiving terminal apparatus manager.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910143193.9A CN109785138A (en) | 2019-02-26 | 2019-02-26 | A kind of terminal device for supporting to exchange between digital cash and commodity money |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910143193.9A CN109785138A (en) | 2019-02-26 | 2019-02-26 | A kind of terminal device for supporting to exchange between digital cash and commodity money |
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| Publication Number | Publication Date |
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| CN109785138A true CN109785138A (en) | 2019-05-21 |
Family
ID=66487137
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910143193.9A Pending CN109785138A (en) | 2019-02-26 | 2019-02-26 | A kind of terminal device for supporting to exchange between digital cash and commodity money |
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| CN114267135A (en) * | 2021-12-24 | 2022-04-01 | 交通银行股份有限公司 | Financial self-service machine supporting digital currency to carry out cash withdrawal |
| US20230037633A1 (en) * | 2019-04-25 | 2023-02-09 | Coinstar Asset Holdings, Llc | Kiosk-based systems and methods for selling cryptocurrencies |
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