CN110443607B - Method for creating public digital wallet, transaction method and device - Google Patents
Method for creating public digital wallet, transaction method and device Download PDFInfo
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- CN110443607B CN110443607B CN201910702840.5A CN201910702840A CN110443607B CN 110443607 B CN110443607 B CN 110443607B CN 201910702840 A CN201910702840 A CN 201910702840A CN 110443607 B CN110443607 B CN 110443607B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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
Abstract
The invention provides a method for creating a public digital wallet, a transaction method and a device, wherein the method comprises the following steps: receiving a creation request for a sub-wallet of a public digital wallet; generating corresponding to-be-approved information based on the creation request; receiving approval passing information of the to-be-approved information, creating the sub-wallet, and generating a sub-wallet identifier corresponding to the sub-wallet according to a main wallet identifier; wherein the master wallet identity is pre-obtained; and sending the creation success information of the sub-wallet. The device is used for executing the method. The method for creating the public digital wallet, the transaction method and the device provided by the embodiment of the invention do not need to use a POS (point of sale) machine for collection, thereby reducing the operation cost.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method for creating a public digital wallet, a trading method and a trading device.
Background
The POS machine is a multifunctional payment terminal, is used for realizing electronic fund automatic transfer, and has the functions of supporting consumption, pre-authorization, balance inquiry, transfer and the like.
In the prior art, a merchant opens a public account at an acquiring mechanism (bank), applies for a related POS machine to the acquiring mechanism according to own requirements, connects the public account with the POS machine, and puts the public account into each offline acquiring point, and the offline acquiring points finish offline acquiring payment in a mode of payment by swiping a card by a customer. The off-line bill receiving is one kind of bank card bill receiving business, i.e. POS off-line payment, and the POS interface is opened by bill receiving mechanism to the third party payment mechanism for the off-line bill receiving business, and is mainly used for POS machine card swiping payment. If the off-line receiving point needs to be expanded or cancelled, a new POS machine needs to be applied to the receiving mechanism again or an old POS machine needs to be recycled, and in order to effectively control and manage the POS machines, most merchants make an application management system of the related POS machines. In the period of business development, a merchant often needs to rapidly develop offline receipt business, apply for a POS machine to a receipt organization, arrange to release each offline receipt point, apply for the POS machine to the receipt organization in advance when a new offline receipt point is added, and also need to log out related POS machines when a withdrawal offline receipt point is added. A series of application processes and management processes are complicated, manual management and control are needed through the processes, a large amount of labor cost of enterprise units is consumed, and the expansion efficiency of offline order receiving business is reduced.
Disclosure of Invention
Aiming at the problems in the prior art, the embodiment of the invention provides a public digital wallet creating method, a transaction method and a device, which can at least partially solve the problems in the prior art.
In a first aspect, the present invention provides a method for creating a public digital wallet, including:
receiving a creation request for a sub-wallet of a public digital wallet;
generating corresponding to-be-approved information based on the creation request;
receiving approval passing information of the to-be-approved information, creating the sub-wallet, and generating a sub-wallet identifier corresponding to the sub-wallet according to a main wallet identifier; wherein the master wallet identity is pre-obtained;
and sending the creation success information of the sub-wallet.
In a second aspect, the present invention provides a method of transacting a public digital wallet, comprising:
receiving a payment result sent by a clearing platform server, wherein the payment result comprises a wallet identifier and payment amount; wherein the payment result is received by the clearing platform server from a payer operator server, and the wallet identity is a master wallet identity or a sub-wallet identity;
and posting the payment amount to a public digital wallet corresponding to the wallet identification.
In a third aspect, the present invention provides an apparatus for creating a public digital wallet, comprising:
a first receiving unit for receiving a creation request for a sub-wallet of a public digital wallet;
the generating unit is used for generating corresponding to-be-approved information based on the creating request;
the second receiving unit is used for receiving approval passing information of the information to be approved, creating the sub-wallet and generating a sub-wallet identifier corresponding to the sub-wallet according to the main wallet identifier; wherein the master wallet identity is pre-obtained;
and the first sending unit is used for sending the creation success information of the sub-wallet.
In a fourth aspect, the present invention provides a transaction arrangement for a public digital wallet comprising:
a fifth receiving unit, configured to receive a payment result sent by the clearing platform server, where the payment result includes a wallet identifier and a payment amount; wherein the payment result is received by the clearing platform server from a payer operator server, and the wallet identity is a master wallet identity or a sub-wallet identity;
and the posting unit is used for posting the payment amount to the public digital wallet corresponding to the wallet identifier.
In a fifth aspect, the present invention provides an electronic device, comprising a first memory, a first processor, and a first computer program stored on the first memory and executable on the first processor, the first processor implementing the following method for creating a public digital wallet when executing the first computer program:
receiving a creation request for a sub-wallet of a public digital wallet;
generating corresponding pending information based on the creation request;
receiving approval passing information of the to-be-approved information, creating the sub-wallet, and generating a sub-wallet identifier corresponding to the sub-wallet according to a main wallet identifier; wherein the master wallet identity is pre-obtained;
and sending the creation success information of the sub-wallet.
In a sixth aspect, the present invention provides a computer readable storage medium having stored thereon a first computer program which, when executed by a first processor, implements a method of creating a public digital wallet comprising:
receiving a creation request for a sub-wallet of a public digital wallet;
generating corresponding to-be-approved information based on the creation request;
receiving approval passing information of the to-be-approved information, creating the sub-wallet, and generating a sub-wallet identifier corresponding to the sub-wallet according to a main wallet identifier; wherein the master wallet identity is pre-obtained;
and sending the creation success information of the sub-wallet.
In a seventh aspect, the present invention further provides an electronic device, including a second memory, a second processor, and a second computer program stored on the second memory and executable on the second processor, wherein the second processor, when executing the second computer program, implements the following transaction method for a public digital wallet:
receiving a payment result sent by a clearing platform server, wherein the payment result comprises a wallet identifier and payment amount; wherein the payment result is received by the clearing platform server from a payer operator server, and the wallet identity is a master wallet identity or a sub-wallet identity;
and posting the payment amount to a public digital wallet corresponding to the wallet identification.
In an eighth aspect, the present invention also provides a computer readable storage medium having stored thereon a second computer program which, when executed by a second processor, implements a method of trading a digital wallet as follows:
receiving a payment result sent by a clearing platform server, wherein the payment result comprises a wallet identifier and payment amount; wherein the payment result is received by the clearing platform server from a payer operator server, and the wallet identity is a master wallet identity or a sub-wallet identity;
and posting the payment amount to a public digital wallet corresponding to the wallet identification.
According to the method and the device for creating the public digital wallet, the creation request of the sub-wallet can be received, the corresponding to-be-approved information is generated based on the creation request, the approval passing information of the to-be-approved information is received, the sub-wallet is created, the sub-wallet identifier corresponding to the sub-wallet is generated according to the main wallet identifier, the information that the sub-wallet is successfully created is sent, the sub-wallet can be quickly created, the existing POS machine is replaced by the sub-wallet to collect money, the complicated application process of the POS machine is avoided, the POS machine does not need to be used for collecting money, and the operation cost is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart illustrating a method for creating a public digital wallet according to a first embodiment of the present invention.
Fig. 2 is a flowchart illustrating a method for creating a public digital wallet according to a second embodiment of the present invention.
Fig. 3 is a flow chart of a transaction method for a public digital wallet provided by a third embodiment of the invention.
Fig. 4 is a flow chart of a transaction method for a public digital wallet provided by a fourth embodiment of the invention.
Fig. 5 is a schematic diagram of a transaction process for a public digital wallet provided by a fifth embodiment of the present invention.
Fig. 6 is a schematic structural diagram of a device for creating a public digital wallet according to a sixth embodiment of the present invention.
Fig. 7 is a schematic structural diagram of a device for creating a public digital wallet according to a seventh embodiment of the present invention.
Fig. 8 is a schematic structural diagram of a transaction device for a public digital wallet provided by an eighth embodiment of the present invention.
Fig. 9 is a schematic diagram of a transaction device for a digital wallet according to a ninth embodiment of the present invention.
Fig. 10 is a schematic physical structure diagram of an electronic device according to a tenth embodiment of the present invention.
Fig. 11 is a schematic physical structure diagram of an electronic device according to an eleventh embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.
In order to facilitate understanding of the technical solutions provided in the present application, the following first explains terms appearing in the embodiments of the present application. Digital currency: a traceable safe and controllable virtual currency based on a digital encryption algorithm and having programmability can be exchanged with each owner currency. A digital wallet: the digital currency carrier is provided with a unique identifiable number and depends on a digital currency circulation system, and the form of the carrier comprises mobile application, computer software, hardware equipment and the like. Digital wallets are classified into personal digital wallets and public digital wallets according to the objects used. Different digital wallets, distinguished by wallet identity. For a public digital wallet: the digital wallet opened for the public user according to the real desire of the public user is uniquely corresponding to a pair of public accounts. In the present application, a public digital wallet may include a main wallet and a plurality of sub-wallets, each sub-wallet may have different attributes, and each sub-wallet may correspond to a different wallet user. A wallet user: natural persons using a public digital wallet can be classified by role into an administrator user and a general user. The administrator user has administrative rights to the public digital wallet, including creating a general user, setting general user rights, creating a sub-wallet, setting attributes of a sub-wallet, and the like. The general user uses the main wallet or the sub-wallet within the limit set by the administrator. It is understood that the management of the public digital wallet may be performed by a dedicated application program, which is referred to as a public wallet client in the embodiments of the present invention. The public wallet client can realize the management of collection, payment, collection limit, payment limit and the like of the public digital wallet.
The execution subject of the method for creating the public digital wallet provided by the embodiment of the invention includes but is not limited to a computer. For convenience of describing the embodiment of the present invention, the following describes a payment method provided by the embodiment of the present invention with a server as an execution subject.
Fig. 1 is a schematic flow chart of a method for creating a public digital wallet according to a first embodiment of the present invention, and as shown in fig. 1, the method for creating a public digital wallet according to the embodiment of the present invention includes:
s101, receiving a creation request of a sub-wallet of a public digital wallet;
specifically, a general user may log in to a public wallet client on a local computer, establish a creation request for a sub-wallet of a public digital wallet, and then send the creation request to a server through the local computer, which receives the creation request. The creation request may include information of the usage of the sub-wallet, the collection limit, the payment limit, and the like.
S102, generating corresponding to-be-approved information based on the creation request;
specifically, after receiving the creation request, the server may generate pending information corresponding to the creation request based on the creation request, where the pending information may include information such as usage of sub-wallets, collection limit, payment limit, and the like. The administrator can log in the public wallet pair client on the computer, check the information to be checked and check the information to be checked.
S103, receiving approval passing information of the information to be approved, creating the sub-wallet, and generating a sub-wallet identifier corresponding to the sub-wallet according to the main wallet identifier; wherein the master wallet identity is pre-obtained;
specifically, if the administrator considers that the approval information can be approved, the approval information can be fed back to the server through the paired wallet client, for example, the administrator clicks the approval pass virtual key provided by the paired wallet client, and the computer where the paired wallet client is located can send the approval pass information to the server. After the server receives the approval passing information, the sub-wallet can be created, namely the corresponding relation between the sub-wallet and the main wallet is established, the corresponding relation between the sub-wallet and the main wallet to a public account is established, functions of payment, collection and the like of the sub-wallet are opened, and a sub-wallet identifier corresponding to the sub-wallet is generated according to the main wallet identifier. After the administrator approves the information to be approved, the administrator can set a main wallet corresponding to the sub-wallet, the collection limit and the payment limit of the sub-wallet, and the like, and the server can obtain the information related to the sub-wallet and then use the information to create the sub-wallet. The main wallet mark is obtained in advance, the main wallet and the main wallet mark correspond to each other in a one-to-one mode, and the sub-wallets and the sub-wallet marks correspond to each other in a one-to-one mode.
For example, the server generates a sub-wallet identification from the master wallet identification and the sequence number. The master wallet is identified as a1111, and when the first sub-wallet is generated, the serial number may be represented by 001, and then the sub-wallet of the first sub-wallet is identified as a1111001, and similarly, the sub-wallet of the second sub-wallet is identified as a1111002, the sub-wallet of the third sub-wallet is identified as a1111003, and so on.
And S104, returning the child wallet creation success information.
Specifically, after the sub-wallet is successfully created, the server may generate the sub-wallet creation success information, and then send the sub-wallet creation success information to the corresponding general user in a short message or the like. The general user can check the information of successful creation of the sub-wallet, then log in the public wallet client to collect or pay by using the sub-wallet, and can inquire the details of the sub-wallet. It will be appreciated that when the sub-wallet is no longer in use, the administrator can log in to the pair of public wallet clients, deleting the sub-wallet.
According to the method for creating the public digital wallet, provided by the embodiment of the invention, the creation request of the sub-wallet is received, the corresponding to-be-approved information is generated based on the creation request, the approval passing information of the to-be-approved information is received, the sub-wallet is created, the sub-wallet identifier corresponding to the sub-wallet is generated according to the main wallet identifier, the information that the sub-wallet is successfully created is sent, the sub-wallet can be quickly created, the existing POS machine is replaced by the sub-wallet to collect money, the complicated application process of the POS machine is avoided, the POS machine does not need to be used for collecting money, and the operation cost is reduced. In addition, because the POS machine does not need to be applied again when the offline receiving point is expanded, the efficiency of establishing the offline receiving point is improved.
Fig. 2 is a flow chart of a method for creating a public digital wallet according to a second embodiment of the present invention, and as shown in fig. 2, on the basis of the foregoing embodiments, further before the receiving a request for creating a sub-wallet of the public digital wallet, the method further includes:
s201, receiving a main wallet application of the public digital wallet;
specifically, the public digital wallet needs to be applied for use after the application is passed. The associated person who wants to use the pair of public digital wallets can submit the master wallet application of the pair of public digital wallets to the server on the network through a computer, and the server receives the master wallet application. The main wallet application may include one of the certification documents such as an enterprise business license original (or copy), a civil non-enterprise registration certificate, an individual industrial and commercial business license original (or copy), and the information such as an account opening license, a legal identity certificate, and an attached bank account. The information included in the master wallet application can be set according to actual needs, and the embodiment of the invention is not limited.
S202, receiving verification passing information applied to the master wallet, and creating the master wallet.
Specifically, after receiving the main wallet application, the server may display the main wallet application, staff of a digital currency operator may review the main wallet application, and the server may assist in performing kyc (coin money customer) review, for example, networking to perform review of employee registration information and identity documents of legal persons. After the verification of the main wallet application is passed, the staff member can feed back verification passing information to the server, for example, click on a verification passing virtual key provided by the server, the server receives the verification passing information of the main wallet application, then creates a main wallet, namely, generates a main wallet identifier uniquely corresponding to the main wallet, establishes a corresponding relationship between the main wallet and a public account, and opens functions of payment and collection of the main wallet. After the master wallet is successfully created, the master wallet application passing information can be sent to related personnel in a short message mode and the like. The main wallet application passing information can comprise a user identifier and a default initial password, and related personnel can log in the public wallet client through the user identifier and the default initial password to activate the public wallet and can use the public wallet to collect money, pay, check account, inquire details and the like.
Fig. 3 is a schematic flow chart of a transaction method for a digital wallet according to a third embodiment of the present invention, and as shown in fig. 3, the transaction method for a digital wallet according to the embodiment of the present invention includes:
s301, receiving a payment result sent by a clearing platform server, wherein the payment result comprises a wallet identifier and payment amount; wherein the payment result is received by the clearing platform server from a payer operator server, and the wallet identity is a master wallet identity or a sub-wallet identity;
specifically, the payer operator server, after completing the payment process, generates a payment result including the wallet identification and the payment amount, and then transmits the payment result to the clearing platform server. And after receiving the payment result, the clearing platform server sends the payment result to a payee operator server. The payee operator server receives the payment result. The wallet mark is a main wallet mark or a sub-wallet mark, the main wallet mark is in one-to-one correspondence with the main wallet, and the sub-wallet mark is in one-to-one correspondence with the sub-wallet. The payee operator and the payer operator are different operators, which may be banks or third party payment companies.
For example, the payer operator server, upon receiving the payment request, performs the payment process, i.e., debiting the payer's digital wallet, which may be a personal digital wallet or a public digital wallet. The payment request can be initiated by a payee, forwarded to the payer operation mechanism server through the clearing platform server, or initiated by a payer through a payment terminal. The payment terminal can be a mobile device such as a smart phone and a tablet computer with a personal wallet client or a public wallet client, and the personal wallet client is used for managing a personal digital wallet, including but not limited to management of collection, payment, collection limit, payment limit and the like.
S302, the payment amount is posted to a public digital wallet corresponding to the wallet mark.
Specifically, after receiving the payment result, the payee operator server may obtain the payment amount and the wallet id, and then credit the payment amount to a public digital wallet corresponding to the wallet id. If the wallet identification is the master wallet identification, the payee operator server debits the payment amount to a master wallet corresponding to the master wallet identification; if the wallet identification is the sub-wallet identification, the payee operator server enters the payment amount into a sub-wallet corresponding to the sub-wallet identification. Wherein the digital money in the main wallet and the sub-wallet can be redeemed to the corresponding counter public account.
According to the transaction method for the public digital wallet provided by the embodiment of the invention, the payment result which is sent by the clearing platform server and comprises the wallet identifier and the payment amount is received by the clearing platform server from the payer operation mechanism server, and then the payment amount is posted to the public digital wallet corresponding to the wallet identifier, so that direct transaction among different operation mechanisms can be realized, and the transaction efficiency is improved.
Fig. 4 is a schematic flow chart of a transaction method for a public digital wallet provided by a fourth embodiment of the present invention, as shown in fig. 4, before the receiving the payment result sent by the clearing platform server, further includes:
s401, receiving payment information sent by a payment receiving terminal;
specifically, the payee terminal may send payment information to the payee operator server, and the payee operator server may receive the payment information, where the payment information may include the payment amount, the wallet identifier, and payer information. The money receiving terminal includes but is not limited to a money receiving machine provided with the pair of public wallet clients, and can receive money by using a main wallet or a sub-wallet. The payer information may include a digital wallet identification of the payer and an access address of a corresponding payer operator server.
For example, the receiving terminal may receive data of a commodity transaction order input by a merchant, where the data includes the payment amount, and then obtain the information of the receiving party by scanning a two-dimensional code, and the receiving terminal locally stores the wallet identifier.
S402, generating a payment request according to the payment information, and sending the payment request to the clearing platform server, so that the clearing platform server forwards the payment request to the payer operation mechanism server, and the payer operation mechanism server completes payment processing according to the payment request.
In particular, after the payee operator server receives the payment information, a payment request may be generated based on the payment information, such as obtaining an access address of a payer operator server from the payee information, generating a deduction request message according to the digital wallet identification of the payer and the payment amount, wherein the generated payment request comprises the access address of the operation mechanism server of the payer and the deduction request message, the payment request is then sent to the clearing platform server, which may forward the payment request to the payer operator server, the payer operation mechanism server deducts the digital wallet corresponding to the payer's digital wallet mark according to the payment amount, and generating the payment result after the deduction is successful, and sending the payment result to the clearing platform server.
Fig. 5 is a schematic diagram of a transaction process for a digital wallet provided by a fifth embodiment of the present invention, and as shown in fig. 5, a specific transaction flow of the transaction method for a digital wallet provided by an embodiment of the present invention is as follows:
the first step is as follows: apply for a payment code. Assuming that the customer a needs to pay 1000 yuan to the merchant B, the customer a sends application information to the payer operation mechanism server through the payment terminal to apply for a payment code, and the application information may include information for identity authentication, such as a user identifier and a password. Wherein the payment code includes, but is not limited to, a two-dimensional code.
The second step is that: a payment code is returned. After receiving the application information, the payer operation mechanism server can check the application information according to the identity authentication information included in the application information, and after the check is passed, returns a payment code to the payment terminal.
The third step: and displaying the payment code. The payment terminal can display the payment code after receiving the payment code.
The fourth step: an order is generated. During the period that the client A applies for the payment code, the merchant B can input the order data of the transaction to the collection terminal, the collection terminal generates an order according to the order data of the transaction, and the generated order comprises a transaction order number and a payment amount of 1000 yuan.
The fifth step: and acquiring payee information. When the payment terminal displays the payment code, the collection terminal can obtain code scanning information in a mode of scanning the payment code, wherein the code scanning information can comprise a digital wallet identifier of a client A, an access address of the payer operation mechanism server and payment verification information.
And a sixth step: and sending the payment information. And the payment receiving terminal sends payment information to a payee operation mechanism server, wherein the payment information can comprise the order, the code scanning information and the sub-wallet identification of the merchant B.
The seventh step: a payment request is sent. After receiving the payment information, the payee operator server may generate a payment request according to the payment information, and then send the payment request to a clearing platform server. Wherein the payment request is the final receiver with the payer operator server.
Eighth step: the payment request is forwarded. After receiving the payment request, the clearing platform server may obtain the access address of the payer operator server from the payment request, and may forward the payment request to the payer operator server.
The ninth step: and (6) payment processing. And after receiving the payment request, the payer operator server verifies the payment verification information, and after the verification is passed, 1000 yuan is deducted from the digital wallet of the client A according to the digital wallet identification of the client A and the payment amount.
The tenth step: and sending a payment result. And after the deduction is completed, the payer operation mechanism server sends a payment result to the clearing platform server, wherein the payment result comprises the sub-wallet identification of the merchant B and the payment amount of 1000 yuan.
The eleventh step: and forwarding the payment result. After receiving the payment result, the clearing platform server forwards the payment result to the payee operator server.
The twelfth step: and (6) posting processing. And after receiving the payment result, the payee operation mechanism server accounts for 1000 yuan to the sub-wallet corresponding to the sub-wallet identifier of the merchant B according to the sub-wallet identifier of the merchant B and the payment amount of 1000 yuan.
And a thirteenth step of: and sending an account posting notice. After completion of the posting, the payee operator server sends a posting notification, for example, 1000-yuan information of successful receipt, to the receipt terminal.
The fourteenth step is that: a payment notice is sent. The payer operator server may send a payment notification, e.g. a message that 1000 dollars have been paid, to the payment terminal after the deduction is completed.
Fig. 6 is a schematic structural diagram of a device for creating a public digital wallet according to a sixth embodiment of the present invention, and as shown in fig. 6, the device for creating a public digital wallet according to the embodiment of the present invention includes a first receiving unit 601, a generating unit 602, a second receiving unit 603, and a first transmitting unit 604, where:
a first receiving unit 601 is used for receiving a creation request for a sub-wallet of a public digital wallet; the generating unit 602 is configured to generate corresponding to-be-approved information based on the creating request; the second receiving unit 603 is configured to receive approval pass information of the to-be-approved information, create the sub-wallet, and generate a sub-wallet identifier corresponding to the sub-wallet according to the main wallet identifier; wherein the master wallet identity is pre-obtained; the first sending unit 604 is configured to send creation success information of the sub-wallet.
Specifically, the general user may log in to the public wallet client on the local computer, establish a creation request for a sub-wallet of the public digital wallet, and then transmit the creation request to the first receiving unit 601 through the local computer, and the first receiving unit 601 receives the creation request. The creation request may include information of the usage of the sub-wallet, the collection limit, the payment limit, and the like.
After receiving the creation request, the generation unit 602 may generate pending information corresponding to the creation request based on the creation request, where the pending information may include information such as a usage of a sub-wallet, a collection limit, a payment limit, and the like. The administrator can log in the public wallet client on the computer, check the information to be approved and verify the information to be approved.
If the administrator considers that the approval information can be approved, the approval information can be fed back to the second receiving unit 603 through the paired wallet client, for example, the administrator clicks the approval pass virtual key provided by the paired wallet client, and the computer where the paired wallet client is located can send the approval pass information to the second receiving unit 603. After receiving the approval pass information, the second receiving unit 603 may create the sub-wallet, that is, establish a corresponding relationship between the sub-wallet and the main wallet, a corresponding relationship between the sub-wallet and the main wallet for a public account, open functions of payment and collection of the sub-wallet, and generate a sub-wallet identifier corresponding to the sub-wallet according to the main wallet identifier. The administrator may set a main wallet corresponding to a sub-wallet whose collection limit and payment limit, etc., are set after approval of the approval information, and the second receiving unit 603 may obtain the above-mentioned information related to the sub-wallet and then use it to create the sub-wallet. The main wallet mark is obtained in advance, the main wallet and the main wallet mark correspond to each other in a one-to-one mode, and the sub-wallets and the sub-wallet marks correspond to each other in a one-to-one mode.
After the sub-wallet is successfully created, the first sending unit 604 may generate the sub-wallet creation success information and then send the sub-wallet creation success information to the corresponding general user by a short message or the like. The general user can check the information of successful creation of the sub-wallet, then log in the public wallet client to collect or pay by using the sub-wallet, and can inquire the details of the sub-wallet. It will be appreciated that when the sub-wallet is no longer in use, the administrator can log in to the pair of public wallet clients, deleting the sub-wallet.
The device for creating the public digital wallet provided by the embodiment of the invention can receive the creation request of the sub-wallet, generate the corresponding to-be-approved information based on the creation request, receive the approval passing information of the to-be-approved information, create the sub-wallet, generate the sub-wallet identifier corresponding to the sub-wallet according to the main wallet identifier, and send the successful creation information of the sub-wallet, so that the sub-wallet can be quickly created, the sub-wallet is used for replacing the existing POS machine to collect money, the complicated application process of the POS machine is avoided, the POS machine is not required to be used for collecting money, and the operation cost is reduced. In addition, because the POS machine does not need to be applied again when the offline receiving point is expanded, the efficiency of establishing the offline receiving point is improved.
Fig. 7 is a schematic structural diagram of an apparatus for creating a public digital wallet according to a seventh embodiment of the present invention, and as shown in fig. 7, on the basis of the foregoing embodiments, further, the apparatus for creating a public digital wallet according to an embodiment of the present invention further includes a third receiving unit 605 and a fourth receiving unit 606, where:
a third receiving unit 605 is configured to receive the master wallet application for the public digital wallet; the fourth receiving unit 606 is configured to receive verification-passing information applied for the master wallet, and create the master wallet.
Specifically, the public digital wallet needs to be applied for use after the application is passed. The third receiving unit 605 may submit the master wallet application for the pair of public digital wallets to the third receiving unit 605 on the network through a computer by a person who wants to use the pair of public digital wallets, and the third receiving unit 605 receives the master wallet application. The main wallet application may include one of the certification documents such as an enterprise business license original (or copy), a civil non-enterprise registration certificate, an individual industrial and commercial business license original (or copy), and the information such as an account opening license, a legal identity certificate, and an attached bank account. The information included in the master wallet application can be set according to actual needs, and the embodiment of the invention is not limited.
After receiving the main wallet application, the fourth receiving unit 606 may display the main wallet application, a staff of the digital currency operator may audit the main wallet application, and the fourth receiving unit 606 may assist in performing KYC audit, for example, networking to perform audit of the employee registration information and the identity document of the legal person. After the staff applies for verification, the staff may feed back verification passing information to the fourth receiving unit 606, for example, click a verification passing virtual key provided by the server, and the fourth receiving unit 606 may receive the verification passing information applied for the master wallet, and then create the master wallet, that is, generate a master wallet identifier uniquely corresponding to the master wallet, establish a correspondence between the master wallet and a public account, and open functions of payment and collection of the master wallet. After the master wallet is successfully created, the master wallet application passing information can be sent to related personnel in a short message mode and the like. The main wallet application passing information can comprise a user identifier and a default initial password, and related personnel can log in the public wallet client through the user identifier and the default initial password to activate the public wallet and can use the public wallet to collect money, pay, check account, inquire details and the like.
Fig. 8 is a schematic structural diagram of a transaction apparatus for a digital wallet according to an eighth embodiment of the present invention, and as shown in fig. 8, the transaction apparatus for a digital wallet according to the embodiment of the present invention includes a fifth receiving unit 801 and an accounting unit 802, where:
a fifth receiving unit 801, configured to receive a payment result sent by the clearing platform server, where the payment result includes a wallet identifier and a payment amount; wherein the payment result is received by the clearing platform server from a payer operator server, and the wallet identity is a master wallet identity or a sub-wallet identity; the posting unit 802 is configured to post the payment amount to a public digital wallet corresponding to the wallet identifier.
The payer operator server, upon completion of the payment process, generates a payment result including the wallet identification and the payment amount, and then sends the payment result to the clearing platform server. After receiving the payment result, the clearing platform server sends the payment result to the fifth receiving unit 801. The fifth receiving unit 801 receives the payment result. The wallet mark is a main wallet mark or a sub-wallet mark, the main wallet mark is in one-to-one correspondence with the main wallet, and the sub-wallet mark is in one-to-one correspondence with the sub-wallet. The payee operator and the payer operator are different operators, which may be banks or third party payment companies.
After receiving the payment result, the posting unit 802 may obtain the payment amount and the wallet id, and post the payment amount to the public digital wallet corresponding to the wallet id. If the wallet id is the master wallet id, the posting unit 802 will post the payment amount to the master wallet corresponding to the master wallet id; if the wallet id is the sub-wallet id, the posting unit 802 posts the payment amount to the sub-wallet corresponding to the sub-wallet id. Wherein the digital money in the main wallet and the sub-wallet can be redeemed to the corresponding counter public account.
The transaction device for the public digital wallet provided by the embodiment of the invention receives the payment result which is sent by the clearing platform server and comprises the wallet identifier and the payment amount, wherein the payment result is received by the clearing platform server from the payer operation mechanism server, and then the payment amount is posted to the public digital wallet corresponding to the wallet identifier, so that direct transaction among different operation mechanisms can be realized, and the transaction efficiency is improved.
Fig. 9 is a schematic structural diagram of a transaction apparatus for a digital wallet according to a ninth embodiment of the present invention, and as shown in fig. 9, on the basis of the foregoing embodiments, further, the transaction apparatus for a digital wallet according to an embodiment of the present invention further includes:
the sixth receiving unit 803 is configured to receive payment information sent by the cash receiving terminal; the second sending unit 804 is configured to generate a payment request according to the payment information, and send the payment request to the clearing platform server, so that the clearing platform server forwards the payment request to the payer operation mechanism server, and the payer operation mechanism server completes payment processing according to the payment request.
Specifically, the receiving terminal may transmit payment information to the sixth receiving unit 803, and the sixth receiving unit 803 may receive the payment information, which may include the payment amount, the wallet identifier, and payer information. The cash register terminal comprises but is not limited to a cash register provided with the public wallet client, and can be used for collecting cash by using a main wallet or a sub-wallet. The payer information may include a digital wallet identification of the payer and an access address of a corresponding payer operator server.
After receiving the payment information, the second sending unit 804 may generate a payment request according to the payment information, for example, obtain an access address of the payer operator server from the payee information, generating a deduction request message according to the digital wallet identification of the payer and the payment amount, wherein the generated payment request comprises the access address of the operation mechanism server of the payer and the deduction request message, the payment request is then sent to the clearing platform server, which may forward the payment request to the payer operator server, the payer operation mechanism server deducts the digital wallet corresponding to the payer's digital wallet mark according to the payment amount, and generating the payment result after the deduction is successful, and sending the payment result to the clearing platform server.
The embodiment of the apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing flow of the corresponding method embodiment, and the functions of the apparatus are not described herein again, and refer to the detailed description of the corresponding method embodiment.
Fig. 10 is a schematic physical structure diagram of an electronic device according to a tenth embodiment of the present invention, and as shown in fig. 10, the electronic device may include: a first Processor (Processor)1001, a first communication Interface (communication Interface)1002, a first Memory (Memory)1003 and a first communication bus 1004, wherein the first Processor 1001, the first communication Interface 1002 and the first Memory 1003 complete communication with each other through the first communication bus 1004. The first processor 1001 may call logic instructions in the first memory 1003 to perform methods, including, for example: receiving a creation request for a sub-wallet of a public digital wallet; generating corresponding to-be-approved information based on the creation request; receiving approval passing information of the to-be-approved information, creating the sub-wallet, and generating a sub-wallet identifier corresponding to the sub-wallet according to a main wallet identifier; wherein the master wallet identity is pre-obtained; and sending the creation success information of the sub-wallet.
The present embodiments disclose a computer program product comprising a computer program stored on a computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, the computer is capable of performing a method comprising, for example: receiving a creation request for a sub-wallet of a public digital wallet; generating corresponding to-be-approved information based on the creation request; receiving approval passing information of the to-be-approved information, creating the sub-wallet, and generating a sub-wallet identifier corresponding to the sub-wallet according to a main wallet identifier; wherein the master wallet identity is pre-obtained; and sending the creation success information of the sub-wallet.
The present embodiment provides a computer-readable storage medium storing a first computer program that causes a computer to execute a method, for example, including: receiving a creation request for a sub-wallet of a public digital wallet; generating corresponding to-be-approved information based on the creation request; receiving approval passing information of the to-be-approved information, creating the sub-wallet, and generating a sub-wallet identifier corresponding to the sub-wallet according to a main wallet identifier; wherein the master wallet identity is pre-obtained; and sending the creation success information of the sub-wallet.
Fig. 11 is a schematic physical structure diagram of an electronic device according to an eleventh embodiment of the present invention, and as shown in fig. 11, the electronic device may include: a second Processor (Processor)1101, a second communication Interface (Communications Interface)1102, a second Memory (Memory)1103 and a second communication bus 1104, wherein the second Processor 1101, the second communication Interface 1102 and the second Memory 1103 complete communication with each other through the second communication bus 1104. The second processor 1101 may call logic instructions in the second memory 1103 to perform a method, for example, comprising: receiving a payment result sent by a clearing platform server, wherein the payment result comprises a wallet mark and payment amount; wherein the payment result is received by the clearing platform server from a payer operator server, and the wallet identity is a master wallet identity or a sub-wallet identity; and posting the payment amount to a public digital wallet corresponding to the wallet identification.
The present embodiments disclose a computer program product comprising a computer program stored on a computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, the computer is capable of performing a method comprising, for example: receiving a payment result sent by a clearing platform server, wherein the payment result comprises a wallet identifier and payment amount; wherein the payment result is received by the clearing platform server from a payer operator server, and the wallet identity is a master wallet identity or a sub-wallet identity; and posting the payment amount to a public digital wallet corresponding to the wallet identification.
The present embodiment provides a computer-readable storage medium storing a second computer program that causes a computer to execute a method, for example, including: receiving a payment result sent by a clearing platform server, wherein the payment result comprises a wallet identifier and payment amount; wherein the payment result is received by the clearing platform server from a payer operator server, and the wallet identity is a master wallet identity or a sub-wallet identity; and posting the payment amount to a public digital wallet corresponding to the wallet identification.
In addition, the logic instructions in the first memory 1003 and the second memory 1103 can be implemented in the form of software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer (which may be a personal computer, an apparatus, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (12)
1. A method of creating a public digital wallet, comprising:
receiving a creation request for a sub-wallet of a public digital wallet;
generating corresponding to-be-approved information based on the creation request;
receiving approval passing information of the to-be-approved information, creating the sub-wallet, and generating a sub-wallet identifier corresponding to the sub-wallet according to a main wallet identifier; wherein the master wallet identity is pre-obtained;
and sending the creation success information of the sub-wallet.
2. The method of claim 1, further comprising, prior to said receiving a request to create a sub-wallet for a public digital wallet:
receiving the master wallet application for the public digital wallet;
receiving verification pass information applied for the master wallet, and creating the master wallet.
3. A method of transacting a public digital wallet, comprising:
receiving a payment result sent by a clearing platform server, wherein the payment result comprises a sub-wallet identifier and payment amount; wherein the payment result is sent to the clearing platform server by the payer operation agency server after completing payment processing; the sub-wallet identity is generated from a master wallet identity;
posting the payment amount to a sub-wallet corresponding to the sub-wallet identifier; wherein the digital currency in the sub-wallet can be redeemed to the corresponding public account.
4. The method of claim 3, further comprising, prior to said receiving the payment result sent by the clearing platform server:
receiving payment information sent by a collection terminal;
and generating a payment request according to the payment information, sending the payment request to the clearing platform server, so that the clearing platform server forwards the payment request to the payer operation mechanism server, and the payer operation mechanism server completes payment processing according to the payment request.
5. An apparatus for creating a public digital wallet, comprising:
a first receiving unit for receiving a creation request for a sub-wallet of a public digital wallet;
the generating unit is used for generating corresponding to-be-approved information based on the creating request;
the second receiving unit is used for receiving approval passing information of the information to be approved, creating the sub-wallet and generating a sub-wallet identifier corresponding to the sub-wallet according to the main wallet identifier; wherein the master wallet identity is pre-obtained;
and the first sending unit is used for sending the creation success information of the sub-wallet.
6. The apparatus of claim 5, further comprising:
a third receiving unit for receiving the master wallet application for the public digital wallet;
a fourth receiving unit configured to receive verification-passing information applied for the master wallet, and create the master wallet.
7. A transaction arrangement for a public digital wallet, comprising:
a fifth receiving unit, configured to receive a payment result sent by the clearing platform server, where the payment result includes a sub-wallet identifier and a payment amount; wherein the payment result is sent to the clearing platform server by the payer operation agency server after completing payment processing; the sub-wallet identity is generated from a master wallet identity;
the posting unit is used for posting the payment amount to the sub-wallet corresponding to the sub-wallet identifier; wherein the digital currency in the sub-wallet can be redeemed to the corresponding public account.
8. The apparatus of claim 7, further comprising:
a sixth receiving unit, configured to receive payment information sent by the payment receiving terminal;
and the second sending unit is used for generating a payment request according to the payment information and sending the payment request to the clearing platform server, so that the clearing platform server forwards the payment request to the payer operation mechanism server, and the payer operation mechanism server completes payment processing according to the payment request.
9. An electronic device comprising a first memory, a first processor and a first computer program stored on the first memory and executable on the first processor, wherein the first processor implements the method of claim 1 or 2 when executing the first computer program.
10. A computer-readable storage medium, on which a first computer program is stored, which, when being executed by a first processor, carries out the method of claim 1 or 2.
11. An electronic device comprising a second memory, a second processor and a second computer program stored on the second memory and executable on the second processor, wherein the second processor implements the method of claim 3 or 4 when executing the second computer program.
12. A computer-readable storage medium, on which a second computer program is stored, which, when being executed by a second processor, carries out the method of claim 3 or 4.
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| CN112487982A (en) * | 2020-11-30 | 2021-03-12 | 乐刷科技有限公司 | Merchant information auditing method, system and storage medium |
| CN115965371A (en) * | 2021-10-11 | 2023-04-14 | 中国人民银行数字货币研究所 | Payment marking method, device and system based on digital currency sub-wallet |
| CN116415939A (en) * | 2021-12-31 | 2023-07-11 | 中国人民银行数字货币研究所 | Digital money transaction method, device, electronic equipment and computer readable medium |
| CN117557263A (en) * | 2022-08-05 | 2024-02-13 | 中国人民银行数字货币研究所 | Digital currency wallet system-based settlement method and device and wallet system |
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