CN110443607A - To creation method, method of commerce and the device of public digital cash wallet - Google Patents
To creation method, method of commerce and the device of public digital cash wallet Download PDFInfo
- Publication number
- CN110443607A CN110443607A CN201910702840.5A CN201910702840A CN110443607A CN 110443607 A CN110443607 A CN 110443607A CN 201910702840 A CN201910702840 A CN 201910702840A CN 110443607 A CN110443607 A CN 110443607A
- Authority
- CN
- China
- Prior art keywords
- wallet
- sub
- payment
- information
- mark
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000000034 method Methods 0.000 title claims abstract description 68
- 238000004590 computer program Methods 0.000 claims description 27
- 230000005540 biological transmission Effects 0.000 claims description 12
- 238000012545 processing Methods 0.000 claims description 12
- 238000012795 verification Methods 0.000 claims description 11
- 238000004364 calculation method Methods 0.000 claims description 3
- 235000013399 edible fruits Nutrition 0.000 claims 1
- 238000010586 diagram Methods 0.000 description 26
- 238000004891 communication Methods 0.000 description 12
- 230000008569 process Effects 0.000 description 12
- 238000012550 audit Methods 0.000 description 9
- 230000006870 function Effects 0.000 description 8
- 238000007726 management method Methods 0.000 description 5
- 238000005516 engineering process Methods 0.000 description 3
- 238000012217 deletion Methods 0.000 description 2
- 230000037430 deletion Effects 0.000 description 2
- 230000006855 networking Effects 0.000 description 2
- 238000012546 transfer Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000004422 calculation algorithm Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000005611 electricity Effects 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 230000007246 mechanism Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 238000004064 recycling Methods 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3672—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes initialising or reloading thereof
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides creation method, method of commerce and the device to public digital cash wallet, which comprises receives the request to create to the sub- wallet of public digital cash wallet；Corresponding copending information is generated based on the request to create；It receives to the examination & approval of the copending information through information, and creates the sub- wallet and sub- wallet mark corresponding with the sub- wallet is generated according to main wallet mark；Wherein, the main wallet mark is obtained ahead of time；Send the creation successful information of the sub- wallet.Described device is for executing the above method.Creation method, method of commerce and device provided in an embodiment of the present invention to public digital cash wallet, is no longer needed to be collected money using POS machine, reduces operation cost.
Description
Technical field
The present invention relates to field of computer technology, and in particular to creation method, the method for commerce of public digital cash wallet
And device.
Background technique
POS machine is a kind of multi-functional checkout terminal, for realizing electronic funds automatic account transfer, has and supports consumption, pre-granted
The functions such as power, inquiry into balance and account transfer.
In the prior art, trade company is in acquirer (bank) by opening to public account, and according to their own needs to receipts
The relevant POS machine of single machine structure application will be associated with public account with POS machine, and single-point is received under launching to each line, and it is logical that single-point is received under line
The mode for crossing client's cCredit card payment is completed to receive Dan Zhifu under line.List is received under line, is one kind that bank card receives single business, i.e. POS line
Lower payment, pos interface, which is that acquirer is open, to be used to receive single business under line to Third-party payment mechanism, is mainly used for POS machine
CCredit card payment.Single-point is received under line if necessary to extend or cancel, is needed again old to the new POS machine of acquirer application or recycling
POS machine, in order to effectively control and manage POS machine, most trade companies have worked out the applications management system of relevant POS machine.And quotient
Family is during operation and development, it is often necessary to quickly expand under line and receive single business, to acquirer application POS machine, arrange to launch
Single-point is received under to each line, when receiving single-point under newly-increased line, to shift to an earlier date to acquirer application POS machine, be received in the case where dissolving line single
When point, it is also necessary to nullify relevant POS machine.A series of application process and management process are comparatively laborious, and are to need manually
It is managed by process, expends a large amount of human costs of business unit, reduce the expansion efficiency for receiving single business under line.
Summary of the invention
For the problems of the prior art, the embodiment of the present invention provides the creation method to public digital cash wallet, transaction
Method and device can at least be partially solved problems of the prior art.
In a first aspect, the present invention proposes a kind of creation method to public digital cash wallet, comprising:
Receive the request to create to the sub- wallet of public digital cash wallet；
Corresponding copending information is generated based on the request to create；
The examination & approval to the copending information are received by information, and creates the sub- wallet and is identified according to main wallet and given birth to
It is identified at sub- wallet corresponding with the sub- wallet；Wherein, the main wallet mark is obtained ahead of time；
Send the creation successful information of the sub- wallet.
Second aspect, the present invention provide a kind of method of commerce to public digital cash wallet, comprising:
The payment result that clearance Platform Server is sent is received, the payment result includes wallet mark and payment amount；
Wherein, the payment result is that the clearance Platform Server is received from paying party operating agency server, the wallet mark
Know is main wallet mark or sub- wallet mark；
The payment amount is kept accounts to the wallet, and it is corresponding to public digital cash wallet to identify.
The third aspect, the present invention provide a kind of creating device to public digital cash wallet, comprising:
First receiving unit, for receiving the request to create of the sub- wallet to public digital cash wallet；
Generation unit, for generating corresponding copending information based on the request to create；
Second receiving unit for receiving the examination & approval to the copending information by information, and creates the sub- wallet
Sub- wallet mark corresponding with the sub- wallet is generated with according to main wallet mark；Wherein, the main wallet mark is to obtain in advance
；
First transmission unit, for sending the creation successful information of the sub- wallet.
Fourth aspect, the present invention provide a kind of the transaction device to public digital cash wallet, comprising:
5th receiving unit, the payment result sent for receiving clearance Platform Server, the payment result includes money
Packet mark and payment amount；Wherein, the payment result is the clearance Platform Server from paying party operating agency server
Received, the wallet mark is main wallet mark or sub- wallet mark；
Keep accounts unit, corresponding to public digital cash wallet to wallet mark for keeping accounts the payment amount.
5th aspect, the present invention provide a kind of electronic equipment, including first memory, first processor and are stored in described
On first memory and the first computer program that can run on first processor, the first processor execute described first
It realizes when computer program as follows to the creation method of public digital cash wallet:
Receive the request to create to the sub- wallet of public digital cash wallet；
Corresponding copending information is generated based on the request to create；
The examination & approval to the copending information are received by information, and creates the sub- wallet and is identified according to main wallet and given birth to
It is identified at sub- wallet corresponding with the sub- wallet；Wherein, the main wallet mark is obtained ahead of time；
Send the creation successful information of the sub- wallet.
6th aspect, the present invention provide a kind of computer readable storage medium, are stored thereon with the first computer program, institute
It states and realizes when the first computer program is executed by first processor as follows to the creation method of public digital cash wallet:
Receive the request to create to the sub- wallet of public digital cash wallet；
Corresponding copending information is generated based on the request to create；
The examination & approval to the copending information are received by information, and creates the sub- wallet and is identified according to main wallet and given birth to
It is identified at sub- wallet corresponding with the sub- wallet；Wherein, the main wallet mark is obtained ahead of time；
Send the creation successful information of the sub- wallet.
7th aspect the present invention also provides a kind of electronic equipment, including second memory, second processor and is stored in institute
State the second computer program that can be run on second memory and in second processor, the second processor executes described the
It realizes when two computer programs as follows to the method for commerce of public digital cash wallet:
The payment result that clearance Platform Server is sent is received, the payment result includes wallet mark and payment amount；
Wherein, the payment result is that the clearance Platform Server is received from paying party operating agency server, the wallet mark
Know is main wallet mark or sub- wallet mark；
The payment amount is kept accounts to the wallet, and it is corresponding to public digital cash wallet to identify.
Eighth aspect, the present invention also provides a kind of computer readable storage mediums, are stored thereon with second computer program,
It realizes when the second computer program is executed by second processor as follows to the method for commerce of public digital cash wallet:
The payment result that clearance Platform Server is sent is received, the payment result includes wallet mark and payment amount；
Wherein, the payment result is that the clearance Platform Server is received from paying party operating agency server, the wallet mark
Know is main wallet mark or sub- wallet mark；
The payment amount is kept accounts to the wallet, and it is corresponding to public digital cash wallet to identify.
Creation method, method of commerce and device provided in an embodiment of the present invention to public digital cash wallet, can receive
The request to create of sub- wallet is then based on request to create and generates corresponding copending information, then receives and treat examining for approval information
Batch by information, and creates the sub- wallet and sub- wallet mark corresponding with the sub- wallet is generated according to main wallet mark,
The creation successful information for sending sub- wallet, can be quickly created sub- wallet, substitute existing POS machine using sub- wallet and received
Money avoids the cumbersome application process of POS machine, and collects money without reusing POS machine, reduces operation cost.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.In the accompanying drawings:
Fig. 1 is the flow diagram for the creation method to public digital cash wallet that first embodiment of the invention provides.
Fig. 2 is the flow diagram for the creation method to public digital cash wallet that second embodiment of the invention provides.
Fig. 3 is the flow diagram for the method for commerce to public digital cash wallet that third embodiment of the invention provides.
Fig. 4 is the flow diagram for the method for commerce to public digital cash wallet that fourth embodiment of the invention provides.
Fig. 5 is the schematic diagram for the process of exchange to public digital cash wallet that fifth embodiment of the invention provides.
Fig. 6 is the structural schematic diagram for the creating device to public digital cash wallet that sixth embodiment of the invention provides.
Fig. 7 is the structural schematic diagram for the creating device to public digital cash wallet that seventh embodiment of the invention provides.
Fig. 8 is the structural schematic diagram for the transaction device to public digital cash wallet that eighth embodiment of the invention provides.
Fig. 9 is the structural schematic diagram for the transaction device to public digital cash wallet that ninth embodiment of the invention provides.
Figure 10 is the entity structure schematic diagram for the electronic equipment that tenth embodiment of the invention provides.
Figure 11 is the entity structure schematic diagram for the electronic equipment that eleventh embodiment of the invention provides.
Specific embodiment
Understand in order to make the object, technical scheme and advantages of the embodiment of the invention clearer, with reference to the accompanying drawing to this hair
Bright embodiment is described in further details.Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but simultaneously
It is not as a limitation of the invention.It should be noted that in the absence of conflict, in the embodiment and embodiment in the application
Feature can mutual any combination.
Technical solution provided by the present application in order to facilitate understanding below first carries out the noun occurred in the embodiment of the present application
It explains.Digital cash: one kind of Central Bank's distribution is based on digital encryption algorithm, possesses programmability, retrospective safety
Controllable ideal money can be exchanged mutually with each currency with sovereign right.Digital cash wallet: digital cash flow body is relied on
It is, has unique digital cash carrier that can recognize number, the form of this carrier includes mobile application, computer software and hardware
Equipment etc..By the difference for using object, digital cash wallet is divided into individual digital currency wallet and to public digital cash wallet.No
Same digital cash wallet, is distinguished by wallet mark.To public digital cash wallet: according to the regulation of the People's Bank, according to
To the digital cash wallet that the actual wishes at public family are opened for it, one is uniquely corresponded to public digital cash wallet to public account
Family.It in this application, may include a main wallet and multiple sub- wallets to public digital cash wallet, each sub- wallet can have
Different attributes, each sub- wallet can also correspond to different cafe users.Cafe user: using to public digital cash wallet
Natural person can be divided into administrator and ordinary user by role.Administrator possesses the pipe to public digital cash wallet
Permission is managed, including creation ordinary user, setting normal user permission, the sub- wallet of creation, attribute of the sub- wallet of setting etc..It is common to use
Family uses main wallet or sub- wallet within the scope of the amount that administrator sets.It will be appreciated that described to public digital cash money
Packet can be managed by special application program, manage described answer public digital cash wallet in embodiments of the present invention
With program, referred to as to public wallet client end.It is described that public wallet client end may be implemented to described to public digital cash wallet
The management such as gathering, payment, gathering limit, Sending Limit.
The executing subject of creation method provided in an embodiment of the present invention to public digital cash wallet includes but is not limited to count
Calculation machine.The embodiment of the present invention for ease of description, below using server as executing subject to branch provided in an embodiment of the present invention
The method of paying is illustrated.
Fig. 1 is the flow diagram for the creation method to public digital cash wallet that first embodiment of the invention provides, such as
Shown in Fig. 1, the creation method provided in an embodiment of the present invention to public digital cash wallet includes:
S101, request to create to the sub- wallet of public digital cash wallet is received；
Specifically, ordinary user can be logged on the local computer to public wallet client end, established to public digital cash
Then the request to create of the sub- wallet of wallet sends the request to create, the server to server by local computer
The request to create can be received.Wherein, the request to create can wrap the purposes of enclosed tool wallet, gathering limit, Sending Limit etc.
Information.
S102, corresponding copending information is generated based on the request to create；
Specifically, the server is after receiving the request to create, can be based on the request to create, generate with
The corresponding copending information of the request to create, the copending information can wrap the purposes of enclosed tool wallet, gathering limit, payment
The information such as limit.Administrator can log in described to public wallet client end on computers, the copending information be checked, to institute
Copending information is stated to be audited.
S103, it receives to the examination & approval of the copending information through information, and creates the sub- wallet and according to main wallet
Mark generates sub- wallet mark corresponding with the sub- wallet；Wherein, the main wallet mark is obtained ahead of time；
Specifically, if the administrator thinks that examination & approval can be passed through letter by audit by the copending information
Breath feeds back to the server to public wallet client end by described, such as administrator click is described to public wallet client end
Examination & approval can be sent to by the examination & approval of offer by virtual key, the computer to where public wallet client end by information
The server.The server receives the examination & approval by that can create the sub- wallet, that is, establish sub- money after information
The corresponding relationship of Bao Yuzhu wallet, the sub- wallet corresponding relationship to public account corresponding with main wallet, open sub- wallet payment,
The functions such as gathering, and sub- wallet mark corresponding with the sub- wallet is generated according to main wallet mark.The administrator is examining
After the copending information, the corresponding main wallet of sub- wallet, the gathering limit and payment of the sub- wallet can be set
Limit etc., the server can obtain above-mentioned information relevant to sub- wallet, be subsequently used for creating the sub- wallet.Wherein,
The main wallet mark is obtained ahead of time, and the main wallet and the main wallet mark correspond, the sub- wallet and institute
Sub- wallet mark is stated to correspond.
For example, the server is identified according to main wallet and serial number, sub- wallet mark is generated.The main wallet is identified as
A1111, when generating first sub- wallet, serial number can be indicated with 001, then the sub- wallet of first sub- wallet is identified as first
A1111001, similarly the sub- wallet of available second sub- wallet is identified as A1111002, the sub- wallet of the sub- wallet of third
It is identified as A1111003, and so on.
S104, the sub- wallet creation successful information is returned.
Specifically, the server can be generated the sub- wallet and create successfully after the sub- wallet creates successfully
Then the creation successful information of the sub- wallet is sent to corresponding ordinary user by information in a manner of short message etc..It is described common
User can view the creation successful information of the sub- wallet, then log in it is described to public wallet client end using the sub- money
Packet is collected money or is paid the bill, and can inquire the detail of the sub- wallet.It will be appreciated that when the sub- wallet does not use
When, the administrator can log in described to public wallet client end, the deletion sub- wallet.
Creation method provided in an embodiment of the present invention to public digital cash wallet, receives the request to create of sub- wallet, so
Corresponding copending information is generated based on request to create afterwards, then receives the examination & approval for treating approval information by information, and create institute
It states sub- wallet and sub- wallet corresponding with the sub- wallet is generated according to main wallet mark and identify, send the creation of sub- wallet successfully
Information can be quickly created sub- wallet, substitute existing POS machine using sub- wallet and collect money, avoid the cumbersome Shen of POS machine
Please process, and collect money without reusing POS machine, reduce operation cost.Further, since under extending line receive single-point when without
It need to apply for POS machine again, improve the efficiency established under line and receive single-point.
Fig. 2 is the flow diagram for the creation method to public digital cash wallet that second embodiment of the invention provides, such as
Shown in Fig. 2, on the basis of the various embodiments described above, further, receive described to the sub- wallet of public digital cash wallet
Before request to create further include:
S201, the main wallet application to public digital cash wallet is received；
Specifically, described that public digital cash wallet is needed to apply, it could be used after in application.Want using institute
The master to public digital cash wallet can be submitted to the related personnel of public digital cash wallet by computer on the net by stating
The server is given in wallet application, and the server can receive the main wallet application.Wherein, the main wallet application can wrap
Include enterprise's business license original (or copy), non-governmental nonbusiness's certificate of registration, self-employed entrepreneur's business license original (or copy)
One of equal documentary evidences and the information such as licence for opening accounts, status of a legal person certificate, mounting Bank Account Number.The main wallet
The information that application includes can be configured according to actual needs, and the embodiment of the present invention is without limitation.
S202, the verification received to the main wallet application pass through information, and create the main wallet.
Specifically, after the server receives the main wallet application, the main wallet application can be shown, number
The staff of currency operating agency can audit the main wallet application, and the server can assist carrying out KYC
(Know Your Customer) audit, such as networking carry out the audit of industrial and commercial registration information, status of a legal person certificate.The work
Personnel can verify to the server feedback through information, such as click institute after the main wallet application verification passes through
The verification of server offer is stated by virtual key, the server, which can be received, passes through letter to the verification of the main wallet application
Breath, then creates main wallet, that is, generates and identify with the unique corresponding main wallet of the main wallet, establish the main wallet and to public affairs
The corresponding relationship of account opens the functions such as payment, the gathering of main wallet.After the main wallet creates successfully, it can pass through
The modes such as short message send main wallet application by information to related personnel.Wherein, the main wallet application can wrap by information
User identifier and default initial password are included, the related personnel can log in institute by the user identifier and default initial password
It states to public wallet client end, activates described to public digital cash wallet, can be used and described public digital cash wallet is received
Money, payment, reconciliation, inquiry detail etc..
Fig. 3 is the flow diagram for the method for commerce to public digital cash wallet that third embodiment of the invention provides, such as
Shown in Fig. 3, the method for commerce provided in an embodiment of the present invention to public digital cash wallet, comprising:
S301, the payment result that clearance Platform Server is sent is received, the payment result includes wallet mark and payment
The amount of money；Wherein, the payment result is that the clearance Platform Server is received from paying party operating agency server, the money
Packet mark is main wallet mark or sub- wallet mark；
Specifically, paying party operating agency server can generate payment result, the payment after completing payment processing
As a result include wallet mark and payment amount, then can send payment result to clearance Platform Server.The clearance platform clothes
After business device receives the payment result, the payment result can be sent to beneficiary operating agency server.The receipts
Money side's operating agency server can receive the payment result.Wherein, the wallet mark is main wallet mark or sub- wallet
Mark, the main wallet mark are corresponded with main wallet, and the sub- wallet mark is corresponded with sub- wallet.The beneficiary
The operating agency that operating agency and the paying party operating agency are different, the operating agency can be bank or third
Fang Zhifu company.
For example, the paying party operating agency server after receiving payment request, will do it the payment processing,
It withholds to the digital cash wallet of paying party, the digital cash wallet of the paying party can be individual digital currency money
It wraps or to public digital cash wallet.The payment request can be initiated by beneficiary, be turned by the clearance Platform Server
It is dealt into the paying party operating agency server, can also be initiated by paying party by checkout terminal.Wherein, the checkout terminal
Personal wallet client end or the mobile device to public wallet client end can be installed for smart phone, tablet computer etc., it is described
Personal wallet client end for being managed to individual digital currency wallet, including but not limited to collect money, pay the bill, gathering limit,
The management such as Sending Limit.
S302, by the payment amount keep accounts to the wallet identify it is corresponding to public digital cash wallet.
Specifically, after the beneficiary operating agency server receives the payment result, the branch can be obtained
The amount of money and wallet mark are paid, then the payment amount keeps accounts to the wallet, and it is corresponding to public digital cash money to identify
Packet.If the wallet is identified as the main wallet mark, the beneficiary operating agency server can be by the payment
The amount of money, which keeps accounts, identifies corresponding main wallet to the main wallet；If the wallet is identified as the sub- wallet mark, institute
It states beneficiary operating agency server and the payment amount can be kept accounts and identify corresponding sub- wallet to the sub- wallet.Wherein,
Digital cash in the main wallet and the sub- wallet can convert return to it is corresponding to public account.
Method of commerce provided in an embodiment of the present invention to public digital cash wallet receives what clearance Platform Server was sent
Payment result including wallet mark and payment amount, payment result are to clear Platform Server from paying party operating agency service
Device is received, and then payment amount keeps accounts to wallet, and it is corresponding to public digital cash wallet to identify, and can be realized different operations
Inter-agency direct dealing improves the efficiency of transaction.
Fig. 4 is the flow diagram for the method for commerce to public digital cash wallet that fourth embodiment of the invention provides, such as
Shown in Fig. 4, before the payment result for receiving clearance Platform Server transmission further include:
S401, the payment information that cash receiving terminal is sent is received；
Specifically, cash receiving terminal can send payment information, the beneficiary to the beneficiary operating agency server
Operating agency server can receive the payment information, and the payment information may include the payment amount, the wallet mark
Know and paying party information.Wherein, the cash receiving terminal includes but is not limited to be equipped with the cashing machine to public wallet client end,
It can use main wallet or sub- wallet collected money.The paying party information may include the digital cash wallet mark of paying party
The access address of knowledge and corresponding paying party operating agency server.
For example, the cash receiving terminal can receive the data of the commodity transaction order of trade company's input, including the branch
The amount of money is paid, then obtains the beneficiary information by the modes such as scanning the two-dimensional code, the money has been locally stored in the cash receiving terminal
Packet mark.
S402, payment request is generated according to the payment information, and the payment request is sent to the clearance platform
Server, so that the payment request is transmitted to the paying party operating agency server by the clearance Platform Server,
Payment processing is completed according to the payment request by the paying party operating agency server.
It specifically, can be according to the branch after the beneficiary operating agency server receives the payment information
It pays information and generates payment request, such as obtain the access address of paying party operating agency server from the beneficiary information,
Request message of withholing is generated according to the digital cash wallet of paying party mark and the payment amount, is wrapped in the payment request of generation
It includes the access address of above-mentioned paying party operating agency server and request message of withholing, the payment request is then sent to institute
Clearance Platform Server is stated, the payment request can be transmitted to the paying party operating agency by the clearance Platform Server
Server, the paying party operating agency server are identified according to digital cash wallet of the payment amount to the paying party
Corresponding digital cash wallet is withholdd, and the payment result is generated after withholing successfully, and payment result is sent to
The clearance Platform Server.
Fig. 5 is the schematic diagram for the process of exchange to public digital cash wallet that fifth embodiment of the invention provides, such as Fig. 5 institute
Show, provided in an embodiment of the present invention as follows to the method for commerce particular transactions process of public digital cash wallet:
Step 1: pay on application code.Assuming that client A need to trade company B pay 1000 yuan, client A by checkout terminal to
Paying party operating agency server send application information, with pay on application code, the application information may include user identifier and
Password etc. is used for the information of authentication.Wherein, the payment code includes but is not limited to two dimensional code.
Step 2: returning to payment code.It, can be with after the paying party operating agency server receives the application information
According to the information for the authentication that the application information includes, the application information is audited, after audit passes through, to
The checkout terminal returns to payment code.
Step 3: showing payment code.The checkout terminal can show the payment code after receiving payment code
Out.
Step 4: generating order.During client's A pay on application code, trade company B can be to this transaction of cash receiving terminal typing
Order data, the cash receiving terminal generate order according to this described trade order data, and the order of generation includes trade order
Number and 1000 yuan of payment amount.
Step 5: obtaining beneficiary information.When the checkout terminal shows payment code, the cash receiving terminal can pass through
The mode of scanning payment code obtains code scaning information, and the code scaning information may include that the digital cash wallet of client A identifies, is described
The access address and payment cross-check information of paying party operating agency server.
Step 6: sending payment information.The cash receiving terminal sends payment information, institute to beneficiary operating agency server
State the sub- wallet mark that payment information may include the order, the code scaning information and trade company B.
Step 7: sending payment request.It, can after the beneficiary operating agency server receives the payment information
To generate payment request according to payment information, the payment request is then sent to clearance Platform Server.Wherein, the branch
Request is paid using the paying party operating agency server as final receiver.
Step 8: forwarding payment request.It, can be from institute after the clearance Platform Server receives the payment request
The access address for obtaining the paying party operating agency server in payment request is stated, the payment request can be transmitted to described
Paying party operating agency server.
Step 9: payment is handled.After the paying party operating agency server receives the payment request, to described
Payment cross-check information is verified, after verification passes through, according to the digital cash wallet of client A mark and the payment amount
1000 yuan are deducted from the digital cash wallet of the client A.
Step 10: sending payment result.The paying party operating agency server is understood after completion of withholing to described clear
It calculates Platform Server and sends payment result, the payment result includes that the sub- wallet of trade company B identifies and 1000 yuan of payment amount.
Step 11: forwarding payment result.It, can be by institute after the clearance Platform Server receives the payment result
It states payment result and is transmitted to the beneficiary operating agency server.
Step 12: the processing that keeps accounts.After the beneficiary operating agency server receives the payment result, according to
The sub- wallet mark of trade company B and 1000 yuan of payment amount, identify corresponding sub- wallet to the sub- wallet of trade company B and keep accounts 1000 yuan.
Step 13: sending the notice that keeps accounts.The beneficiary operating agency server is after completing to keep accounts, to the receipts
Money terminal sends the notice that keeps accounts, such as sends the information of successfully 1000 yuan of gathering.
Step 14: Sending Payments notify.The paying party operating agency server, can be to institute after completion of withholing
Checkout terminal Sending Payments notice is stated, such as sends and has paid 1000 yuan of information.
Fig. 6 is the structural schematic diagram for the creating device to public digital cash wallet that sixth embodiment of the invention provides, such as
Shown in Fig. 6, the creating device provided in an embodiment of the present invention to public digital cash wallet includes the first receiving unit 601, generates
Unit 602, the second receiving unit 603 and the first transmission unit 604, in which:
First receiving unit 601 is used to receive the request to create of the sub- wallet to public digital cash wallet；Generation unit 602
For generating corresponding copending information based on the request to create；Second receiving unit 603 is for receiving to described copending
The examination & approval of information create the sub- wallet and generate sub- money corresponding with the sub- wallet according to main wallet mark by information
Packet mark；Wherein, the main wallet mark is obtained ahead of time；First transmission unit 604 is used to send the wound of the sub- wallet
Build successful information.
Specifically, ordinary user can be logged on the local computer to public wallet client end, established to public digital cash
Then the request to create of the sub- wallet of wallet sends the request to create to the first receiving unit 601 by local computer, the
One receiving unit 601 can receive the request to create.Wherein, the request to create can wrap the purposes of enclosed tool wallet, gathering limit
The information such as volume, Sending Limit.
After receiving the request to create, generation unit 602 can be based on the request to create, generate and the wound
The corresponding copending information of request is built, the copending information can wrap the purposes of enclosed tool wallet, gathering limit, Sending Limit etc.
Information.Administrator can log in described to public wallet client end on computers, the copending information be checked, to described pending
Information is criticized to be audited.
If the administrator thinks that examination & approval can be passed through institute by information by audit by the copending information
It states and the second receiving unit 603 is fed back to public wallet client end, such as the administrator clicks and described mentions to public wallet client end
By virtual key, examination & approval by information can be sent to the by the computer to where public wallet client end for the examination & approval of confession
Two receiving units 603.Second receiving unit 603 receives the examination & approval by that can create the sub- wallet, i.e., after information
The corresponding relationship of sub- wallet Yu main wallet is established, the sub- wallet corresponding relationship to public account corresponding with main wallet opens sub- money
The functions such as payment, the gathering of packet, and sub- wallet mark corresponding with the sub- wallet is generated according to main wallet mark.The management
The corresponding main wallet of sub- wallet, the gathering limit of the sub- wallet can be set after examination & approval are by the copending information in member
Volume and Sending Limit etc., the second receiving unit 603 can obtain above-mentioned information relevant to sub- wallet, be subsequently used for described in creation
Sub- wallet.Wherein, the main wallet mark is obtained ahead of time, and the main wallet and the main wallet mark correspond, institute
It states sub- wallet and the sub- wallet mark corresponds.
After the sub- wallet creates successfully, the first transmission unit 604, which can be generated the sub- wallet and create, successfully to be believed
Breath, is then sent to corresponding ordinary user for the creation successful information of the sub- wallet in a manner of short message etc..The common use
Family can view the creation successful information of the sub- wallet, then log in it is described to public wallet client end using the sub- wallet
It is collected money or is paid the bill, and the detail of the sub- wallet can be inquired.It will be appreciated that when the sub- wallet does not use
When, the administrator can log in described to public wallet client end, the deletion sub- wallet.
Creating device provided in an embodiment of the present invention to public digital cash wallet, the creation that can receive sub- wallet are asked
It asks, is then based on request to create and generates corresponding copending information, then receive the examination & approval for treating approval information by information, and create
It builds the sub- wallet and sub- wallet mark corresponding with the sub- wallet is generated according to main wallet mark, send the creation of sub- wallet
Successful information can be quickly created sub- wallet, substitute existing POS machine using sub- wallet and collect money, avoid the numerous of POS machine
Trivial application process, and collect money without reusing POS machine, reduce operation cost.Further, since receiving single-point in the case where extending line
Shi Wuxu applies for POS machine again, improves the efficiency established under line and receive single-point.
Fig. 7 is the structural schematic diagram for the creating device to public digital cash wallet that seventh embodiment of the invention provides, such as
It is further, provided in an embodiment of the present invention to public digital cash wallet on the basis of the various embodiments described above of place shown in Fig. 7
Creating device further include third receiving unit 605 and the 4th receiving unit 606, in which:
Third receiving unit 605 is for receiving the main wallet application to public digital cash wallet；4th receiving unit
606 for receiving the verification to the main wallet application by information, and creates the main wallet.
Specifically, described that public digital cash wallet is needed to apply, it could be used after in application.Want using institute
The master to public digital cash wallet can be submitted to the related personnel of public digital cash wallet by computer on the net by stating
To third receiving unit 605, third receiving unit 605 can receive the main wallet application for wallet application.Wherein, the main wallet
Application may include enterprise's business license original (or copy), run by the community nonbusiness's certificate of registration, self-employed entrepreneur's business license just
One of documentary evidences such as this (or copies) and the information such as licence for opening accounts, status of a legal person certificate, mounting Bank Account Number.
The information that the main wallet application includes can be configured according to actual needs, and the embodiment of the present invention is without limitation.
After receiving the main wallet application, the 4th receiving unit 606 can show the main wallet application, digital goods
The staff of coin operating agency can audit the main wallet application, and the 4th receiving unit 606 can assist carrying out
KYC audit, such as networking carry out the audit of industrial and commercial registration information, status of a legal person certificate.The staff is in the main wallet
After application verification passes through, it can feed back and be verified through information to the 4th receiving unit 606, such as click the server and provide
Verification by virtual key, the 4th receiving unit 606 can receive the verification to the main wallet application by information, then create
Main wallet is built, that is, generates and is identified with the unique corresponding main wallet of the main wallet, establish the main wallet and pair to public account
It should be related to, open the functions such as payment, the gathering of main wallet.After the main wallet creates successfully, the side such as short message can be passed through
Formula sends main wallet application by information to related personnel.Wherein, the main wallet application may include user's mark by information
Know and default initial password, the related personnel can be logged in described to public money by the user identifier and default initial password
Packet client, activate it is described to public digital cash wallet, can be used it is described collected money, paid the bill to public digital cash wallet,
Reconciliation, inquiry detail etc..
Fig. 8 is the structural schematic diagram for the transaction device to public digital cash wallet that eighth embodiment of the invention provides, such as
Shown in Fig. 8, the transaction device provided in an embodiment of the present invention to public digital cash wallet includes the 5th receiving unit 801 and keeps accounts
Unit 802, in which:
5th receiving unit 801 is used to receive the payment result that clearance Platform Server is sent, and the payment result includes
Wallet mark and payment amount；Wherein, the payment result is the clearance Platform Server from paying party operating agency service
Device is received, and the wallet mark is main wallet mark or sub- wallet mark；The unit 802 that keeps accounts is used for the payment amount
Keeping accounts to the wallet, it is corresponding to public digital cash wallet to identify.
Paying party operating agency server can generate payment result, the payment result packet after completing payment processing
Wallet mark and payment amount are included, then can send payment result to clearance Platform Server.The clearance Platform Server connects
After receiving the payment result, the payment result can be sent to the 5th receiving unit 801.5th receiving unit, 801 meeting
Receive the payment result.Wherein, wallet mark is main wallet mark or sub- wallet mark, the main wallet mark with
Main wallet corresponds, and the sub- wallet mark is corresponded with sub- wallet.The beneficiary operating agency and the paying party
The operating agency that operating agency is different, the operating agency can be bank or Third-party payment company.
After receiving the payment result, the unit 802 that keeps accounts can obtain the payment amount and wallet mark,
Then the payment amount being kept accounts to the wallet, it is corresponding to public digital cash wallet to identify.If the wallet is identified as
The main wallet mark, then the payment amount can be kept accounts and identify corresponding main money to the main wallet by the unit 802 that keeps accounts
Packet；If the wallet is identified as the sub- wallet mark, the unit 802 that keeps accounts can keep accounts the payment amount to described
Sub- wallet identifies corresponding sub- wallet.Wherein, the digital cash in the main wallet and the sub- wallet, which can be converted, returns to pair
Answer to public account.
The transaction device provided in an embodiment of the present invention to public digital cash wallet receives what clearance Platform Server was sent
Payment result including wallet mark and payment amount, payment result are to clear Platform Server from paying party operating agency service
Device is received, and then payment amount keeps accounts to wallet, and it is corresponding to public digital cash wallet to identify, and can be realized different operations
Inter-agency direct dealing improves the efficiency of transaction.
Fig. 9 is the structural schematic diagram for the transaction device to public digital cash wallet that ninth embodiment of the invention provides, such as
It is further, provided in an embodiment of the present invention to public digital cash wallet on the basis of the various embodiments described above shown in Fig. 9
The transaction device further include:
6th receiving unit 803 is used to receive the payment information of cash receiving terminal transmission；Second transmission unit 804 is used for basis
The payment information generates payment request, and the payment request is sent to the clearance Platform Server, so that described
It clears Platform Server and the payment request is transmitted to the paying party operating agency server, machine is runed by the paying party
Structure server completes payment processing according to the payment request.
Specifically, cash receiving terminal can send payment information to the 6th receiving unit 803, and the 6th receiving unit 803 can connect
The payment information is received, the payment information may include the payment amount, wallet mark and paying party information.Its
In, the cash receiving terminal includes but is not limited to be equipped with the cashing machine to public wallet client end, can use main wallet or
The sub- wallet of person is collected money.The paying party information may include the digital cash wallet mark and corresponding payment of paying party
The access address of square operating agency server.
After receiving the payment information, the second transmission unit 804 can generate payment according to the payment information and ask
It asks, such as obtains the access address of paying party operating agency server from the beneficiary information, according to the number of paying party
Currency wallet mark and the payment amount generate request message of withholing, and include above-mentioned paying party operation in the payment request of generation
The access address of authority server and request message of withholing, are then sent to the clearance platform service for the payment request
The payment request can be transmitted to the paying party operating agency server by device, the clearance Platform Server, and described pair
Money side's operating agency server is according to the corresponding digital goods of digital cash wallet mark of the payment amount to the paying party
Coin wallet is withholdd, and the payment result is generated after withholing successfully, and payment result is sent to the clearance platform
Server.
The embodiment of device provided in an embodiment of the present invention specifically can be used for executing the place of above-mentioned correlation method embodiment
Process is managed, details are not described herein for function, is referred to the detailed description of above-mentioned correlation method embodiment.
Figure 10 is the entity structure schematic diagram for the electronic equipment that tenth embodiment of the invention provides, as shown in Figure 10, the electricity
Sub- equipment may include: the 1001, first communication interface (Communications of first processor (Processor)
Interface) 1002, first memory (Memory) 1003 and the first communication bus 1004, wherein first processor 1001,
First communication interface 1002, first memory 1003 complete mutual communication by the first communication bus 1004.First processing
Device 1001 can call the logical order in first memory 1003, to execute following method, for example, receive to public number
The request to create of the sub- wallet of currency wallet；Corresponding copending information is generated based on the request to create；Receive to it is described to
The examination & approval of approval information are created the sub- wallet and are generated according to main wallet mark corresponding with the sub- wallet by information
Sub- wallet mark；Wherein, the main wallet mark is obtained ahead of time；Send the creation successful information of the sub- wallet.
The present embodiment discloses a kind of computer program product, and the computer program product is computer-readable including being stored in
Computer program on storage medium, the computer program include program instruction, when described program instruction is computer-executed
When, computer is able to carry out following method, for example, receives the request to create to the sub- wallet of public digital cash wallet；Base
Corresponding copending information is generated in the request to create；The examination & approval to the copending information are received by information, and are created
The sub- wallet and sub- wallet mark corresponding with the sub- wallet is generated according to main wallet mark；Wherein, the main wallet mark
Knowledge is obtained ahead of time；Send the creation successful information of the sub- wallet.
The present embodiment provides a kind of computer readable storage medium, the computer-readable recording medium storage first is calculated
Machine program, first computer program make the computer execute following method, for example, receive to public digital cash money
The request to create of the sub- wallet of packet；Corresponding copending information is generated based on the request to create；It receives to the copending letter
The examination & approval of breath create the sub- wallet and generate sub- wallet corresponding with the sub- wallet according to main wallet mark by information
Mark；Wherein, the main wallet mark is obtained ahead of time；Send the creation successful information of the sub- wallet.
Figure 11 is the entity structure schematic diagram for the electronic equipment that eleventh embodiment of the invention provides, as shown in figure 11, should
Electronic equipment may include: the 1101, second communication interface (Communications of second processor (Processor)
Interface) 1102, second memory (Memory) 1103 and the second communication bus 1104, wherein second processor 1101,
Second communication interface 1102, second memory 1103 complete mutual communication by the second communication bus 1104.Second processing
Device 1101 can call the logical order in second memory 1103, to execute following method, for example, receive clearance platform
The payment result that server is sent, the payment result include wallet mark and payment amount；Wherein, the payment result is institute
It is received from paying party operating agency server to state clearance Platform Server, the wallet mark is main wallet mark or sub- money
Packet mark；The payment amount is kept accounts to the wallet, and it is corresponding to public digital cash wallet to identify.
The present embodiment discloses a kind of computer program product, and the computer program product is computer-readable including being stored in
Computer program on storage medium, the computer program include program instruction, when described program instruction is computer-executed
When, computer is able to carry out following method, for example, receives the payment result that clearance Platform Server is sent, the payment
It as a result include wallet mark and payment amount；Wherein, the payment result is the clearance Platform Server from paying party operation
Authority server is received, and the wallet mark is main wallet mark or sub- wallet mark；By the payment amount keep accounts to
The wallet mark is corresponding to public digital cash wallet.
The present embodiment provides a kind of computer readable storage medium, the computer-readable recording medium storage second is calculated
Machine program, the second computer program make the computer execute following method, for example, receive clearance Platform Server
The payment result of transmission, the payment result include wallet mark and payment amount；Wherein, the payment result is the clearance
Platform Server is received from paying party operating agency server, and the wallet mark is main wallet mark or sub- wallet mark
Know；The payment amount is kept accounts to the wallet, and it is corresponding to public digital cash wallet to identify.
In addition, the logical order in above-mentioned first memory 1003 and second memory 1103 can pass through software function
The form of unit is realized and when sold or used as an independent product, can store in a computer-readable storage medium
In.Based on this understanding, technical solution of the present invention substantially in other words the part that contributes to existing technology or should
The part of technical solution can be embodied in the form of software products, which is stored in a storage medium
In, including some instructions use is so that a computer equipment (can be personal computer, device or the network equipment etc.) is held
Row all or part of the steps of the method according to each embodiment of the present invention.And storage medium above-mentioned include: USB flash disk, mobile hard disk,
Read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic
The various media that can store program code such as dish or CD.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
In the description of this specification, reference term " one embodiment ", " specific embodiment ", " some implementations
Example ", " such as ", the description of " example ", " specific example " or " some examples " etc. mean it is described in conjunction with this embodiment or example
Particular features, structures, materials, or characteristics are included at least one embodiment or example of the invention.In the present specification,
Schematic expression of the above terms may not refer to the same embodiment or example.Moreover, the specific features of description, knot
Structure, material or feature can be combined in any suitable manner in any one or more of the embodiments or examples.
Particular embodiments described above has carried out further in detail the purpose of the present invention, technical scheme and beneficial effects
Describe in detail it is bright, it should be understood that the above is only a specific embodiment of the present invention, the guarantor being not intended to limit the present invention
Range is protected, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should be included in this
Within the protection scope of invention.
Claims (12)
1. a kind of creation method to public digital cash wallet characterized by comprising
Receive the request to create to the sub- wallet of public digital cash wallet；
Corresponding copending information is generated based on the request to create；
Receive to the examination & approval of the copending information through information, and create the sub- wallet and according to main wallet mark generate with
The corresponding sub- wallet mark of the sub- wallet；Wherein, the main wallet mark is obtained ahead of time；
Send the creation successful information of the sub- wallet.
2. the method according to claim 1, wherein receiving described to the sub- wallet of public digital cash wallet
Before request to create further include:
Receive the main wallet application to public digital cash wallet；
The verification to the main wallet application is received by information, and creates the main wallet.
3. a kind of method of commerce to public digital cash wallet characterized by comprising
The payment result that clearance Platform Server is sent is received, the payment result includes wallet mark and payment amount；Wherein,
The payment result is that the clearance Platform Server is received from paying party operating agency server, based on the wallet mark
Wallet mark or sub- wallet mark；
The payment amount is kept accounts to the wallet, and it is corresponding to public digital cash wallet to identify.
4. according to the method described in claim 3, it is characterized in that, in the payment knot for receiving clearance Platform Server and sending
Before fruit further include:
Receive the payment information that cash receiving terminal is sent；
Payment request is generated according to the payment information, and the payment request is sent to the clearance Platform Server, with
So that the payment request is transmitted to the paying party operating agency server by the clearance Platform Server, by the payment
Square operating agency server completes payment processing according to the payment request.
5. a kind of creating device to public digital cash wallet characterized by comprising
First receiving unit, for receiving the request to create of the sub- wallet to public digital cash wallet；
Generation unit, for generating corresponding copending information based on the request to create；
Second receiving unit for receiving the examination & approval to the copending information by information, and creates the sub- wallet and root
Sub- wallet mark corresponding with the sub- wallet is generated according to main wallet mark；Wherein, the main wallet mark is obtained ahead of time；
First transmission unit, for sending the creation successful information of the sub- wallet.
6. device according to claim 5, which is characterized in that further include:
Third receiving unit, for receiving the main wallet application to public digital cash wallet；
4th receiving unit for receiving the verification to the main wallet application by information, and creates the main wallet.
7. a kind of the transaction device to public digital cash wallet characterized by comprising
5th receiving unit, the payment result sent for receiving clearance Platform Server, the payment result includes wallet mark
Knowledge and payment amount；Wherein, the payment result is that the clearance Platform Server is received from paying party operating agency server
, the wallet mark is main wallet mark or sub- wallet mark；
Keep accounts unit, corresponding to public digital cash wallet to wallet mark for keeping accounts the payment amount.
8. device according to claim 7, which is characterized in that further include:
6th receiving unit, for receiving the payment information of cash receiving terminal transmission；
Second transmission unit for generating payment request according to the payment information, and the payment request is sent to described
Platform Server is cleared, so that the payment request is transmitted to the paying party operating agency by the clearance Platform Server
Server completes payment processing according to the payment request by the paying party operating agency server.
9. a kind of electronic equipment, including first memory, first processor and it is stored on the first memory and can be
The first computer program run on one processor, which is characterized in that the first processor executes the first computer journey
Method of any of claims 1 or 2 is realized when sequence.
10. a kind of computer readable storage medium is stored thereon with the first computer program, which is characterized in that first meter
Calculation machine program realizes method of any of claims 1 or 2 when being executed by first processor.
11. a kind of electronic equipment, including second memory, second processor and it is stored on the second memory and can be
The second computer program run on two processors, which is characterized in that the second processor executes the second computer journey
Method described in claim 3 or 4 is realized when sequence.
12. a kind of computer readable storage medium is stored thereon with second computer program, which is characterized in that second meter
Method described in claim 3 or 4 is realized when calculation machine program is executed by second processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910702840.5A CN110443607B (en) | 2019-07-31 | 2019-07-31 | Method for creating public digital wallet, transaction method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910702840.5A CN110443607B (en) | 2019-07-31 | 2019-07-31 | Method for creating public digital wallet, transaction method and device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN110443607A true CN110443607A (en) | 2019-11-12 |
| CN110443607B CN110443607B (en) | 2022-08-02 |
Family
ID=68432586
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910702840.5A Active CN110443607B (en) | 2019-07-31 | 2019-07-31 | Method for creating public digital wallet, transaction method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110443607B (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112487982A (en) * | 2020-11-30 | 2021-03-12 | 乐刷科技有限公司 | Merchant information auditing method, system and storage medium |
| WO2023061285A1 (en) * | 2021-10-11 | 2023-04-20 | 中国人民银行数字货币研究所 | Digital currency sub-wallet-based payment tokenization method, apparatus and system |
| WO2023124695A1 (en) * | 2021-12-31 | 2023-07-06 | 中国人民银行数字货币研究所 | Digital currency transaction method, apparatus, electronic device, and computer-readable medium |
| CN117252594A (en) * | 2022-06-17 | 2023-12-19 | 中国人民银行数字货币研究所 | Digital currency payment method, device and system |
| WO2024027533A1 (en) * | 2022-08-05 | 2024-02-08 | 中国人民银行数字货币研究所 | Settlement method and apparatus based on digital currency wallet system, and wallet system |
Citations (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106850200A (en) * | 2017-01-25 | 2017-06-13 | 中钞信用卡产业发展有限公司北京智能卡技术研究院 | A kind of method for using the digital cash based on block chain, system and terminal |
| CN107230051A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method of payment and payment system of digital cash |
| CN107230055A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of payout figure currency |
| CN108229938A (en) * | 2017-12-28 | 2018-06-29 | 中国人民银行数字货币研究所 | The method and system that a kind of digital cash wallet is opened |
| CN108256841A (en) * | 2017-12-28 | 2018-07-06 | 中国人民银行数字货币研究所 | Actively turn the method, apparatus and system of coin |
| CN108335103A (en) * | 2017-12-28 | 2018-07-27 | 中国人民银行数字货币研究所 | A kind of deducting money method and system based on digital cash |
| CN109345214A (en) * | 2018-10-12 | 2019-02-15 | 深圳市区块跳动网络技术有限公司 | A kind of method of payment, system and the associated component of digital cash Wallet System |
| CN109544147A (en) * | 2018-11-21 | 2019-03-29 | 利尔·契夫 | Wallet balance management method and system based on block chain |
| TW201917647A (en) * | 2017-10-20 | 2019-05-01 | 上海商業儲蓄銀行股份有限公司 | Virtual wallet account payment method in which a virtual account is opened in an offshore financial institution by using an account of an on-shore financial institution for fund transfer through a business account established in the offshore financial institution |
| CN109891448A (en) * | 2016-08-30 | 2019-06-14 | 贝宝公司 | Accelerate ideal money transaction system |
| CN109961276A (en) * | 2019-02-27 | 2019-07-02 | 深圳市朗科科技股份有限公司 | Digital cash wallet, method of commerce, transaction system and computer storage medium |
-
2019
- 2019-07-31 CN CN201910702840.5A patent/CN110443607B/en active Active
Patent Citations (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107230051A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method of payment and payment system of digital cash |
| CN107230055A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of payout figure currency |
| CN109891448A (en) * | 2016-08-30 | 2019-06-14 | 贝宝公司 | Accelerate ideal money transaction system |
| CN106850200A (en) * | 2017-01-25 | 2017-06-13 | 中钞信用卡产业发展有限公司北京智能卡技术研究院 | A kind of method for using the digital cash based on block chain, system and terminal |
| TW201917647A (en) * | 2017-10-20 | 2019-05-01 | 上海商業儲蓄銀行股份有限公司 | Virtual wallet account payment method in which a virtual account is opened in an offshore financial institution by using an account of an on-shore financial institution for fund transfer through a business account established in the offshore financial institution |
| CN108229938A (en) * | 2017-12-28 | 2018-06-29 | 中国人民银行数字货币研究所 | The method and system that a kind of digital cash wallet is opened |
| CN108256841A (en) * | 2017-12-28 | 2018-07-06 | 中国人民银行数字货币研究所 | Actively turn the method, apparatus and system of coin |
| CN108335103A (en) * | 2017-12-28 | 2018-07-27 | 中国人民银行数字货币研究所 | A kind of deducting money method and system based on digital cash |
| CN109345214A (en) * | 2018-10-12 | 2019-02-15 | 深圳市区块跳动网络技术有限公司 | A kind of method of payment, system and the associated component of digital cash Wallet System |
| CN109544147A (en) * | 2018-11-21 | 2019-03-29 | 利尔·契夫 | Wallet balance management method and system based on block chain |
| CN109961276A (en) * | 2019-02-27 | 2019-07-02 | 深圳市朗科科技股份有限公司 | Digital cash wallet, method of commerce, transaction system and computer storage medium |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112487982A (en) * | 2020-11-30 | 2021-03-12 | 乐刷科技有限公司 | Merchant information auditing method, system and storage medium |
| WO2023061285A1 (en) * | 2021-10-11 | 2023-04-20 | 中国人民银行数字货币研究所 | Digital currency sub-wallet-based payment tokenization method, apparatus and system |
| WO2023124695A1 (en) * | 2021-12-31 | 2023-07-06 | 中国人民银行数字货币研究所 | Digital currency transaction method, apparatus, electronic device, and computer-readable medium |
| CN117252594A (en) * | 2022-06-17 | 2023-12-19 | 中国人民银行数字货币研究所 | Digital currency payment method, device and system |
| WO2024027533A1 (en) * | 2022-08-05 | 2024-02-08 | 中国人民银行数字货币研究所 | Settlement method and apparatus based on digital currency wallet system, and wallet system |
Also Published As
| Publication number | Publication date |
|---|---|
| CN110443607B (en) | 2022-08-02 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110443607A (en) | To creation method, method of commerce and the device of public digital cash wallet | |
| JP2019523495A (en) | Digital goods management in a distributed transaction consensus network | |
| US20140337206A1 (en) | Electronic Currency System | |
| WO2018115929A1 (en) | Method of, system for, data processing device, and integrated circuit device for implementing a distributed, ledger-based processing and recording of an electronic financial transaction | |
| CN109064146A (en) | A kind of digital cash method of commerce, equipment, system, terminal and client wallet | |
| CN101655950A (en) | Method, device and system for realizing merging payment | |
| KR20200094531A (en) | System and method for providing digital asset services basesd on blockchain | |
| CN101697220A (en) | Systems and methods for secure pin-based transactions | |
| CN101165716A (en) | Electronic payment procedure based on transaction code | |
| CN109643415A (en) | Trade management technology | |
| KR20200094365A (en) | System and method for providing digital asset services using crypto-branch basesd on blockchain | |
| CN106203971A (en) | Payment system based on same fund server and method of payment, device and server | |
| CN101616146A (en) | Based on third-party digital signature identification system and authentication method | |
| CN108108964B (en) | Third party payment interconnection method based on block chain technology | |
| CN106203983A (en) | Payment system based on same fund server and method of payment, device and server | |
| JP6853422B1 (en) | Online transaction information protection system and online transaction information protection method | |
| CN111461856A (en) | Outsourcing collection urging method based on block chain | |
| JP5812645B2 (en) | Electronic commerce system | |
| CN106203976A (en) | Payment system based on same fund server and method of payment, device and server | |
| CN101251915A (en) | Internet safe payment method and system based on electronic contract | |
| WO2023201360A2 (en) | Method, controller, and computer-readable medium for replacement of a cancelled repeating transfer data structure on a distributed transfer network | |
| CN106203979A (en) | Payment system based on same fund server and method of payment, device and server | |
| JP6712733B2 (en) | Trade transaction management system, trade transaction management method and trade transaction management program for managing trade transactions using virtual currency | |
| CN108596763A (en) | Transaction method and device based on block chain | |
| KR102645868B1 (en) | Security system and method for online trade information |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20220331 Address after: Floor 20, block a, Jintang center, No. 18, Fengtai North Road, Fengtai District, Beijing 100071 Applicant after: THE PEOPLES BANK OF CHINA, DIGITAL CASH Research Institute Applicant after: INDUSTRIAL AND COMMERCIAL BANK OF CHINA Address before: 100140, 55, Fuxing Avenue, Xicheng District, Beijing Applicant before: INDUSTRIAL AND COMMERCIAL BANK OF CHINA |
|
| GR01 | Patent grant | ||
| GR01 | Patent grant |