CN111861431A - Digital currency payment method and system - Google Patents
Digital currency payment method and system Download PDFInfo
- Publication number
- CN111861431A CN111861431A CN202010513486.4A CN202010513486A CN111861431A CN 111861431 A CN111861431 A CN 111861431A CN 202010513486 A CN202010513486 A CN 202010513486A CN 111861431 A CN111861431 A CN 111861431A
- Authority
- CN
- China
- Prior art keywords
- information
- mobile terminal
- paid
- digital currency
- payment
- 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.)
- Pending
Links
Images
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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
-
- 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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The utility model provides a payment method and system of digital currency, which relates to the technical field of payment and can quickly and conveniently realize the payment function of digital currency under the condition of ensuring safety. The specific technical scheme is as follows: during payment, the mobile terminal acquires information to be paid and biological characteristic information of a payer; verifying the biological characteristic information of the payer with the biological characteristic information prestored in the SIM card to obtain a verification result; when the verification result is matched, acquiring identification information associated with the prestored biological characteristic information; and sending the identification information and the information to be paid to a cloud server so that the cloud server calls the digital currency account number associated with the identification information to pay.
Description
Technical Field
The present disclosure relates to the field of payment technologies, and in particular, to a method and system for payment of digital money.
Background
In the existing mobile payment, a user calls a pre-bound payment account number by using WeChat or Paibao, then a payment password input by the user and the payment account number are sent to a cloud platform, the cloud platform verifies whether the payment account number corresponds to the payment password, and payment transaction is completed when the payment account number corresponds to the payment password. However, the verification and the payment of the payment mode are both operated by the cloud platform, so that the processing amount of the cloud platform is increased.
Disclosure of Invention
The embodiment of the disclosure provides a payment method and system for digital currency, which can quickly and conveniently realize the payment function of the digital currency under the condition of ensuring safety. The technical scheme is as follows:
according to a first aspect of embodiments of the present disclosure, there is provided a method of payment in digital currency, the method comprising:
during payment, the mobile terminal acquires information to be paid and biological characteristic information of a payer, wherein the information to be paid comprises the amount to be paid and a digital currency account of a payee;
verifying the biological characteristic information of the payer with the biological characteristic information prestored in the SIM card to obtain a verification result;
when the verification result is matched, acquiring identification information associated with the prestored biological characteristic information, wherein the identification information comprises at least one of an identity card number, a personal network address identification and a telephone number of the payer;
and sending the identification information and the information to be paid to a cloud server so that the cloud server calls the digital currency account number associated with the identification information to pay.
The method comprises the steps that the biological characteristic information of a payer and the prestored biological characteristic information are verified at a mobile terminal side, after the verification is passed, the identification information associated with the prestored biological characteristic information and the information to be paid are sent to a cloud server, the cloud server calls a digital currency account number associated with the identification information to pay, and under the condition that safety is guaranteed, the payment function of the digital currency is achieved quickly and conveniently.
In one embodiment, before verifying the biometric information of the payer with the biometric information pre-stored in the SIM card, the method further includes:
the near field communication equipment interacts with the mobile terminal, and reads pre-stored information in an SIM card in the mobile terminal, wherein the pre-stored information comprises a corresponding relation between pre-stored biological characteristic information and identification information;
and the mobile terminal receives the prestored information sent by the near field communication equipment in the SIM card.
Under the condition that the SIM card of the mobile terminal does not provide an interface protocol and an interface address, the SIM card interacts with the mobile terminal through external near field communication equipment to obtain pre-stored information in the SIM card in the mobile terminal for comparing with the collected biological characteristic information of the payer,
in one embodiment, the mobile terminal acquiring the information to be paid includes:
the mobile terminal scans the two-dimension code and acquires the information to be paid, which is fed back by the two-dimension code link;
or the mobile terminal receives the information to be paid sent by the charging system.
In one embodiment, sending the identification information and the information to be paid to the cloud server comprises:
and sending the identification information and the information to be paid to a cloud server in a close-range wireless connection mode of the mobile terminal.
In one embodiment, the method further comprises: and receiving transaction result information fed back by the cloud server, wherein the transaction result information is used for indicating whether the transaction is successful or not.
In one embodiment, the method further comprises: and when the verification result is matched, the mobile terminal calls the digital currency account number associated with the identification information to carry out payment transaction.
In one embodiment, the method further comprises: and when the verification result is not matched, generating reminding information and displaying the reminding information to the payer.
According to a third aspect of embodiments of the present disclosure, there is provided a payment apparatus for digital currency, comprising:
the payment system comprises a first acquisition module, a second acquisition module and a payment module, wherein the first acquisition module is used for acquiring information to be paid and biological characteristic information of a payer during payment, and the information to be paid comprises the amount to be paid and a digital currency account number of a payee;
the verification module is used for verifying the biological characteristic information of the payer with biological characteristic information prestored in an SIM card to obtain a verification result;
the second acquisition module is used for acquiring identification information associated with the prestored biological characteristic information in the SIM card when the verification result is matched, wherein the identification information comprises at least one of an identity card number, a personal network address identifier and a telephone number of a payer;
And the sending module is used for sending the identification information and the information to be paid to a cloud server so that the cloud server calls a digital currency account number associated with the identification information to pay.
According to a third aspect of embodiments of the present disclosure, there is provided a payment system for digital currency, comprising: the mobile terminal, the near field communication equipment and the cloud server are in communication connection with each other;
during payment, the mobile terminal acquires information to be paid and biological characteristic information of a payer, wherein the information to be paid comprises the amount to be paid and a digital currency account of a payee;
the near field communication equipment interacts with the mobile terminal, reads pre-stored information in an SIM card in the mobile terminal, and sends the pre-stored information to the mobile terminal, wherein the pre-stored information comprises a corresponding relation between pre-stored biological characteristic information and identification information, and the identification information comprises at least one of an identity card number of a payer, a personal network address identification and a telephone number;
the mobile terminal verifies the biological characteristic information of the payer and the biological characteristic information prestored in the SIM card to obtain a verification result; when the verification result is matched, the identification information and the information to be paid are sent to the cloud server;
And calling the digital currency account number associated with the identification information by the cloud server to pay.
In one embodiment, the near field communication device is an NFC reader, a bluetooth device, or an infrared device.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure.
FIG. 1 is a flow chart of a method of payment in digital currency provided by an embodiment of the present disclosure;
fig. 2 is a schematic structural diagram of a payment system for digital currency provided by an embodiment of the present disclosure;
fig. 3 is a schematic structural diagram of a payment device for digital currency according to an embodiment of the present disclosure.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.
The disclosed embodiment provides a payment method of digital currency, as shown in fig. 1, the payment method of digital currency includes the following steps:
101. during payment, the mobile terminal acquires the information to be paid and the biological characteristic information of the payer.
In the embodiment of the present disclosure, the mobile terminal acquiring the information to be paid includes: the mobile terminal scans the two-dimension code and acquires the information to be paid, which is fed back by the two-dimension code link; or the mobile terminal receives the information to be paid sent by the charging system.
Specifically, a digital currency application program or a digital currency wallet is installed in the mobile terminal, when payment is carried out, the digital currency application program obtains touch operation of a payer, and scans the two-dimensional code by means of a camera of the mobile terminal according to the touch operation to obtain information to be paid fed back by the two-dimensional code link; or the mobile terminal displays the payment two-dimensional code, the scanning device of the charging system scans the payment two-dimensional code displayed by the mobile terminal, the charging system obtains the deduction account fed back by the payment two-dimensional code, and meanwhile, the charging system sends the information to be paid to the mobile terminal. The information to be paid comprises the amount to be paid and the digital currency account number of the payee.
The method comprises the steps that when the mobile terminal obtains information to be paid, biological characteristic information of a payer is obtained, wherein the biological characteristic information of the payer comprises voice information, voiceprint information, facial characteristics, fingerprint information and the like. Illustratively, the payer is scanned for a human face by a camera of the mobile terminal, or voice information of the payer is acquired by a microphone of the mobile terminal, such as confirmation of payment.
102. And verifying the biological characteristic information of the payer with the biological characteristic information prestored in the SIM card to obtain a verification result.
In the embodiment of the present disclosure, the SIM card of the mobile terminal is provided with pre-stored information, where the pre-stored information includes pre-stored biometric information and identification information associated with the pre-stored biometric information, and the identification information includes at least one of an identification number of the payer, an identification of a personal network address, and a telephone number.
In a first example, the SIM card of the mobile terminal provides an interface address and an interface protocol to the digital money application or the digital money wallet, and then, when the digital money application or the digital money wallet of the mobile terminal obtains the biometric information of the payer, the biometric information pre-stored in the SIM card is obtained by the SIM card providing the interface address and the interface protocol, and the biometric information of the payer is verified with the biometric information pre-stored in the SIM card, so as to obtain a verification result.
In a second example, the SIM card of the mobile terminal does not provide an interface address and an interface protocol for the digital money application or the digital money wallet, and then the pre-stored information in the SIM card needs to be obtained by means of an external device, such as an NFC reader/writer. Specifically, the near field communication equipment interacts with the mobile terminal and reads prestored information in an SIM card in the mobile terminal; and the mobile terminal receives the prestored information sent by the near field communication equipment in the SIM card. At this time, the digital money application program or the digital money wallet of the mobile terminal acquires the pre-stored information in the SIM card, and then verifies the biometric information of the payer with the biometric information pre-stored in the SIM card to obtain a verification result.
103. And when the verification result is matched, acquiring the identification information associated with the pre-stored biological characteristic information.
As described in connection with step 102, in the first example, the SIM card of the mobile terminal provides an interface address and an interface protocol to the digital money application or the digital money wallet, and then, when the biometric information of the payer matches the biometric information stored in advance in the SIM card, the identification information associated with the biometric information stored in advance in the SIM card is acquired by the SIM card providing the interface address and the interface protocol.
In a second example, the SIM card of the mobile terminal does not provide an interface address and an interface protocol to the digital money application or the digital money wallet, and then, when the biometric information of the payer matches the biometric information stored in advance in the SIM card, identification information associated with the biometric information stored in advance in the SIM card transmitted by the near field communication device is received.
In one embodiment, when the verification results do not match, a reminder is generated and displayed to the payer. The reminding information can be short message reminding, voice reminding, interface pushing reminding and the like.
104. And sending the identification information and the information to be paid to a cloud server so that the cloud server calls the digital currency account number associated with the identification information to pay.
In the embodiment of the disclosure, after the mobile terminal successfully verifies the biometric information of the payer, the identity card number and/or the phone number and/or the personal network identifier and the like are sent to the cloud server through the NFC, and the cloud server stores the payer digital currency account number associated with the identity card number and/or the phone number and/or the personal network identifier, and performs payment to the payee digital currency account number through the payer digital currency account number.
Further, after the cloud server performs currency payment, transaction result information is fed back to a digital currency application program or a digital currency wallet of the mobile terminal, and the transaction result information is used for indicating whether the transaction is successful or not. Specifically, if the cloud server completes currency payment and accounts successfully, a successful transaction result is fed back to a digital currency application program or a digital currency wallet of the mobile terminal; and if the cloud server does not finish the currency payment, feeding back a result of the transaction failure to a digital currency application program or a digital currency wallet of the mobile terminal.
In one embodiment of the disclosure, when the verification result of the biometric information of the payer is matched with the biometric information pre-stored in the SIM card and the identification information associated with the biometric information pre-stored in the SIM card is acquired, the mobile terminal directly calls the digital currency account of the payer associated with the identification information, and pays the digital currency with the same amount as the amount to be paid to the digital currency account of the payee through the digital currency account of the payer.
According to the payment method of the digital currency, the biological characteristic information of a payer and the prestored biological characteristic information are verified at the mobile terminal side, the identification information associated with the prestored biological characteristic information and the information to be paid are sent to the cloud server after the verification is passed, the cloud server calls the digital currency account number associated with the identification information to pay, and the payment function of the digital currency is quickly and conveniently realized under the condition that safety is guaranteed.
Based on the payment method of digital currency provided by the embodiment corresponding to fig. 1, another embodiment of the present disclosure provides a payment method of digital currency, which can be applied to a payment system of digital currency, as shown in fig. 2, the payment system of digital currency includes: the mobile terminal 201, the near field communication device 202 and the cloud server 203 are in communication connection with each other, and the near field communication device is an NFC read-write device, a Bluetooth device or an infrared device.
Specifically, during payment, the mobile terminal acquires information to be paid and biological characteristic information of a payer, wherein the information to be paid comprises the amount to be paid and a digital currency account of a payee;
the near field communication equipment interacts with the mobile terminal, reads pre-stored information in an SIM card in the mobile terminal, and sends the pre-stored information to the mobile terminal, wherein the pre-stored information comprises a corresponding relation between pre-stored biological characteristic information and identification information, and the identification information comprises at least one of an identity card number of a payer, a personal network address identification and a telephone number;
the mobile terminal verifies the biological characteristic information of the payer and the biological characteristic information prestored in the SIM card to obtain a verification result; when the verification result is matched, the identification information and the information to be paid are sent to the cloud server;
And calling the digital currency account number associated with the identification information by the cloud server to pay.
According to the above-described payment system of digital money and the payment method of digital money, the following description is made in detail by citing a few examples.
The digital currency can be widely applied to commodity and purchase expense payment links in daily life, such as: payment of parking fee, payment of charging fee, payment of car washing fee, etc., the payment device of digital money should be a mobile device having a communication function not depending on such as wechat or a payer, the device may permanently and securely bind the identification number and/or the identification of the personal network address to the identification of the mobile payment device or the phone number of the mobile device in the SIM card, which provides an interface address and an interface protocol to the digital money application APP, the mobile terminal is used for carrying out user identity data interaction with a client program of the mobile equipment where the APP is located, verifying user identity biological information acquired by the client application program by utilizing personal identity biological information which is stored in the SIM card and is associated with the identity card number and/or the mobile phone number and/or the identifier of the SIM card, and sending a verification result to the APP of the mobile terminal. And if the verification result is that the matching is successful, the identity card number and/or the telephone number and/or the personal network identifier are sent to the APP, the APP and a service program of the corresponding cloud server exchange user data, or the APP of the mobile terminal directly completes data application associated with the identity card number.
For example, the App may be a digital currency application program of a commercial bank, and the App calls the digital currency account at the cloud service end or the mobile terminal according to a successful verification result of the user data at the mobile terminal and a digital currency account of a payee or a payer, and an identity card number and/or a telephone number and/or a personal network address identifier output after the mobile client is successfully subjected to human body biometric verification, completes currency payment in a transaction process of buying and selling commodities by using digital currency, and feeds back a successful transaction result to the application program of the mobile terminal after accounting is successful.
When a user pays parking fee in a parking lot and the SIM card provides an interface address and an interface protocol for the digital currency application APP, the user scans a parking lot payment two-dimensional code by using a mobile terminal to acquire information to be paid, and simultaneously acquires biological characteristic information of a person by using the mobile terminal, such as voiceprints, and completes the verification of the identity of the person by using identity numbers stored in the SIM card of the mobile phone and the biological characteristics of the pre-stored person; and if the identification number is matched with the parking fee information, the encrypted identification number and/or the identification information of the person, such as the telephone number associated with the identification information of the person and/or the personal network address identification, and the like, are sent to an associated cloud server to call a pre-bound digital currency account number to complete payment, or a digital currency account associated with the identification number is directly completed at the mobile terminal to complete transaction.
When a user pays parking fee in a parking lot and an SIM card does not provide an interface address and an interface protocol for a digital currency application program APP, the NFC reading-writing equipment and the two-dimensional code are arranged under any traffic scene, the digital currency application program of the mobile terminal scans the two-dimensional code, obtains transaction information fed back by the two-dimensional code link address, and simultaneously, collects biological characteristic information of the user; in addition, the on-site NFC read-write equipment can interact with the mobile terminal, the acquired biological characteristic information stored in advance in the SIM card is sent to a digital currency application program of the mobile terminal, the digital currency application program of the mobile terminal verifies the acquired biological information of the user and the biological information stored in the SIM card, after the verification is passed, the two-dimensional code is linked with the transaction information fed back by the address, and the identity card number/telephone number/personal network address identification output by the user based on the identity verification completed by the mobile terminal is sent to a cloud platform of a commercial bank through the NFC of the mobile terminal, so that the payment of the transaction is completed.
In another embodiment, after the NFC reader and the two-dimensional code reader are integrated or arranged in any traffic scene, and the traffic management system provides the number of payment lines, scans the two-dimensional code of the user terminal, and simultaneously the field NFC reader can interact with the mobile terminal, collects the biological information of the user and verifies the biological information stored in the SIM, and then automatically sends the two-dimensional code to the payment account fed back by the address, and the identification number/telephone number/personal network address identifier output by the user based on the identity verification completed by the mobile terminal to the cloud platform of the commercial bank through the NFC of the mobile terminal, thereby completing the payment of the transaction.
According to the payment method of the digital currency, the biological characteristic information of a payer and the prestored biological characteristic information are verified at the mobile terminal side, the identification information associated with the prestored biological characteristic information and the information to be paid are sent to the cloud server after the verification is passed, the cloud server calls the digital currency account number associated with the identification information to pay, and the payment function of the digital currency is quickly and conveniently realized under the condition that safety is guaranteed.
Referring to fig. 3, fig. 3 is a schematic structural diagram of a payment device for digital currency according to an embodiment of the present invention, and the payment device for digital currency may include: a processor 301, a communication bus 302, a user interface 303, a network interface 304, and a memory 305. Wherein a communication bus 302 is used to enable connective communication between these components. The user interface 303 may include a display (e.g., touch screen, LCD, CRT, holographic imaging or projector, etc.), a keyboard, or a pointing device (e.g., mouse, trackball, touch pad or touch screen, etc.). Memory 305 may be a high-speed RAM memory or may be a non-volatile memory, such as a disk memory. The memory 305 may alternatively be a storage device separate from the processor 301 described above.
It will be appreciated by those of ordinary skill in the art that the configuration of the payment device for digital currency shown in fig. 3 does not constitute a limitation of the parking management device and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
In this embodiment, the memory 305 stores at least an operating system for implementing various basic services and for processing hardware-based tasks; the network communication module is used for realizing wired connection or wireless connection to a network and providing channel resources for data connection of the management platform; the embodiment of the invention provides a payment method of digital currency. In addition, memory 305 may also be used to store a virtual resource sharing system for implementing an operating system and hardware layer direct access control interface.
In the payment apparatus for digital money shown in fig. 3: the network interface 304 is mainly used for connecting a network system and performing data communication with the network system; the user interface 303 is mainly used for interacting with a user and receiving a command triggered by the user; and the processor 301 may be configured to invoke the program of the payment method for digital currency stored in the memory 305 for executing the steps executed in the payment method for digital currency described in the corresponding embodiment of fig. 1.
Based on the payment method of digital currency described in the embodiment corresponding to fig. 1, an embodiment of the present disclosure further provides a computer-readable storage medium, for example, the non-transitory computer-readable storage medium may be a Read Only Memory (ROM), a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like. The storage medium stores computer instructions for executing the payment method of the digital currency in the embodiment corresponding to fig. 1, which is not described herein again.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.
Claims (9)
1. A method of payment in digital currency, the method comprising:
during payment, the mobile terminal acquires information to be paid and biological characteristic information of a payer, wherein the information to be paid comprises the amount to be paid and a digital currency account of a payee;
verifying the biometric information of the payer with the biometric information prestored in the SIM card to obtain a verification result;
when the verification result is matched, acquiring identification information associated with the prestored biological characteristic information, wherein the identification information comprises at least one of an identity card number, a personal network address identification and a telephone number of the payer;
and sending the identification information and the information to be paid to a cloud server so that the cloud server calls a digital currency account number associated with the identification information to pay.
2. The method of claim 1, wherein before verifying the biometric information of the payer with the biometric information pre-stored in the SIM card, the method further comprises:
and receiving pre-stored information in an SIM card in the mobile terminal, which is sent by near field communication equipment, wherein the pre-stored information in the SIM card is read from the mobile terminal by the near field communication equipment and comprises the pre-stored corresponding relation between biological characteristic information and identification information.
3. The method of claim 1, wherein the mobile terminal obtaining information about the payment to be made comprises:
the mobile terminal scans the two-dimension code to acquire the information to be paid, which is fed back by the two-dimension code link;
or, the mobile terminal receives the information to be paid sent by the charging system.
4. The method of claim 1, wherein sending the identification information and the information to be billed to a cloud server comprises:
and sending the identification information and the information to be paid to a cloud server in a close-range wireless connection mode of the mobile terminal.
5. The method of claim 1, further comprising:
and receiving transaction result information fed back by the cloud server, wherein the transaction result information is used for indicating whether the transaction is successful or not.
6. The method of claim 1, further comprising:
and when the verification result is matched, the mobile terminal calls the digital currency account number associated with the identification information to carry out payment transaction.
7. The method of claim 1, further comprising:
and when the verification result is not matched, generating reminding information and displaying the reminding information to the payer.
8. A payment system for digital currency, comprising: the mobile terminal, the near field communication equipment and the cloud server are in communication connection with each other;
during payment, the mobile terminal acquires information to be paid and biological characteristic information of a payer, wherein the information to be paid comprises the amount to be paid and a digital currency account of a payee;
the near field communication equipment interacts with the mobile terminal, reads pre-stored information in an SIM card in the mobile terminal, and sends the pre-stored information to the mobile terminal, wherein the pre-stored information comprises a corresponding relation between pre-stored biological characteristic information and identification information, and the identification information comprises at least one of an identity card number, a personal network address identification and a telephone number of a payer;
the mobile terminal verifies the biological characteristic information of the payer with biological characteristic information prestored in an SIM card to obtain a verification result; when the verification result is matched, the identification information and the information to be paid are sent to a cloud server;
and the cloud server calls the digital currency account number associated with the identification information to pay.
9. The system of claim 8, wherein the near field communication device is an NFC reader device, a bluetooth device, or an infrared device.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010513486.4A CN111861431A (en) | 2020-06-08 | 2020-06-08 | Digital currency payment method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010513486.4A CN111861431A (en) | 2020-06-08 | 2020-06-08 | Digital currency payment method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111861431A true CN111861431A (en) | 2020-10-30 |
Family
ID=72986363
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010513486.4A Pending CN111861431A (en) | 2020-06-08 | 2020-06-08 | Digital currency payment method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN111861431A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113052984A (en) * | 2021-03-09 | 2021-06-29 | 西安艾润物联网技术服务有限责任公司 | Vehicle passing management method, device and system based on digital currency payment |
| CN113191759A (en) * | 2021-04-16 | 2021-07-30 | 西安艾润物联网技术服务有限责任公司 | Parking fee payment method of digital currency, terminal device and readable storage medium |
| CN113393224A (en) * | 2021-05-21 | 2021-09-14 | 西安艾润物联网技术服务有限责任公司 | Payment control method and service control system for related fees of service demand equipment |
| CN113436353A (en) * | 2021-05-11 | 2021-09-24 | 西安艾润物联网技术服务有限责任公司 | Vehicle charging method and device based on voice interaction |
| CN113470283A (en) * | 2021-06-29 | 2021-10-01 | 山东派盟网络科技有限公司 | Intelligent payment equipment |
| CN113781030A (en) * | 2021-09-13 | 2021-12-10 | 广州广电运通智能科技有限公司 | Track traffic ticket payment system combined with digital RMB |
Citations (15)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20120173351A1 (en) * | 2010-12-29 | 2012-07-05 | Qthru, Llc | Mobile Electronic Shopping |
| US20130346309A1 (en) * | 2011-03-07 | 2013-12-26 | Roberto Giori | System and method for providing and transferring fungible electronic money |
| CN105610792A (en) * | 2015-12-18 | 2016-05-25 | 宁波大学 | Near-field communication mobile check-in system |
| KR20160109543A (en) * | 2015-03-12 | 2016-09-21 | 주홍찬 | Apparatus and method for payment system using a smart card by the application. |
| WO2016192562A1 (en) * | 2015-05-29 | 2016-12-08 | Shanghai Wearapay, Inc. | Method and system of offline contactless mobile payment based on magnetic near field communication |
| CN107292978A (en) * | 2017-04-01 | 2017-10-24 | 西安艾润物联网技术服务有限责任公司 | Management method, device and the computer-readable recording medium of vehicle payment |
| CN107369009A (en) * | 2017-06-26 | 2017-11-21 | 中国人民银行数字货币研究所 | The method of payment and payment system of digital cash |
| CN108369700A (en) * | 2015-10-27 | 2018-08-03 | 屯屯·闻 | Mobile-payment system |
| CN108564353A (en) * | 2018-04-27 | 2018-09-21 | 数字乾元科技有限公司 | Payment system based on block chain and method |
| CN109074571A (en) * | 2016-04-29 | 2018-12-21 | 华为技术有限公司 | Method of commerce and equipment based on near-field communication NFC |
| CN109146493A (en) * | 2018-08-01 | 2019-01-04 | 阿里巴巴集团控股有限公司 | Consumption data processing method and processing device |
| 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 |
| CN109493016A (en) * | 2018-10-24 | 2019-03-19 | 中国工商银行股份有限公司 | Offline electronic payment method, terminal based on digital cash and act on behalf of dispensing device |
| CN109559104A (en) * | 2018-10-12 | 2019-04-02 | 厦门旭研科技有限责任公司 | The method and device of payer identity is associated under a kind of payment environment |
| CN110659886A (en) * | 2018-06-28 | 2020-01-07 | 北京大码技术有限公司 | Digital currency payment system, payment method and payment device |
-
2020
- 2020-06-08 CN CN202010513486.4A patent/CN111861431A/en active Pending
Patent Citations (15)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20120173351A1 (en) * | 2010-12-29 | 2012-07-05 | Qthru, Llc | Mobile Electronic Shopping |
| US20130346309A1 (en) * | 2011-03-07 | 2013-12-26 | Roberto Giori | System and method for providing and transferring fungible electronic money |
| KR20160109543A (en) * | 2015-03-12 | 2016-09-21 | 주홍찬 | Apparatus and method for payment system using a smart card by the application. |
| WO2016192562A1 (en) * | 2015-05-29 | 2016-12-08 | Shanghai Wearapay, Inc. | Method and system of offline contactless mobile payment based on magnetic near field communication |
| CN108369700A (en) * | 2015-10-27 | 2018-08-03 | 屯屯·闻 | Mobile-payment system |
| CN105610792A (en) * | 2015-12-18 | 2016-05-25 | 宁波大学 | Near-field communication mobile check-in system |
| CN109074571A (en) * | 2016-04-29 | 2018-12-21 | 华为技术有限公司 | Method of commerce and equipment based on near-field communication NFC |
| CN107292978A (en) * | 2017-04-01 | 2017-10-24 | 西安艾润物联网技术服务有限责任公司 | Management method, device and the computer-readable recording medium of vehicle payment |
| CN107369009A (en) * | 2017-06-26 | 2017-11-21 | 中国人民银行数字货币研究所 | The method of payment and payment system of digital cash |
| CN108564353A (en) * | 2018-04-27 | 2018-09-21 | 数字乾元科技有限公司 | Payment system based on block chain and method |
| CN110659886A (en) * | 2018-06-28 | 2020-01-07 | 北京大码技术有限公司 | Digital currency payment system, payment method and payment device |
| CN109146493A (en) * | 2018-08-01 | 2019-01-04 | 阿里巴巴集团控股有限公司 | Consumption data processing method and processing device |
| 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 |
| CN109559104A (en) * | 2018-10-12 | 2019-04-02 | 厦门旭研科技有限责任公司 | The method and device of payer identity is associated under a kind of payment environment |
| CN109493016A (en) * | 2018-10-24 | 2019-03-19 | 中国工商银行股份有限公司 | Offline electronic payment method, terminal based on digital cash and act on behalf of dispensing device |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113052984A (en) * | 2021-03-09 | 2021-06-29 | 西安艾润物联网技术服务有限责任公司 | Vehicle passing management method, device and system based on digital currency payment |
| CN113052984B (en) * | 2021-03-09 | 2023-06-30 | 西安艾润物联网技术服务有限责任公司 | Vehicle passing management method, device and system based on digital currency payment |
| CN113191759A (en) * | 2021-04-16 | 2021-07-30 | 西安艾润物联网技术服务有限责任公司 | Parking fee payment method of digital currency, terminal device and readable storage medium |
| CN113436353A (en) * | 2021-05-11 | 2021-09-24 | 西安艾润物联网技术服务有限责任公司 | Vehicle charging method and device based on voice interaction |
| CN113393224A (en) * | 2021-05-21 | 2021-09-14 | 西安艾润物联网技术服务有限责任公司 | Payment control method and service control system for related fees of service demand equipment |
| CN113470283A (en) * | 2021-06-29 | 2021-10-01 | 山东派盟网络科技有限公司 | Intelligent payment equipment |
| CN113781030A (en) * | 2021-09-13 | 2021-12-10 | 广州广电运通智能科技有限公司 | Track traffic ticket payment system combined with digital RMB |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN111861431A (en) | Digital currency payment method and system | |
| CN108717652B (en) | Order processing system and method, order server and second client | |
| US20080048025A1 (en) | Method for Electronic Payment | |
| KR101660103B1 (en) | Method and apparatus for providing gas-station service | |
| CN106845973B (en) | Payment method, collection terminal, payment platform and system | |
| CN104718555A (en) | Self-authenticating peer to peer transaction | |
| CN110880106A (en) | Method and device for realizing double offline payment | |
| KR20060047726A (en) | Method for recharging a subscription card using wireless equipment | |
| CN108171504B (en) | Aggregated payment method, mobile device and storage device | |
| US11636488B2 (en) | System for managing personal identifiers and financial instrument use | |
| CN107194695A (en) | Transaction code is generated and end of scan, transaction code generation and method of commerce | |
| US11151575B2 (en) | Trusted pair authentication with edge-computing devices | |
| CN109035430A (en) | Stop fee payment method, system and storage medium | |
| CN112669042A (en) | Payment method, server, user terminal, system and storage medium | |
| CN111626739A (en) | Payment method, device, equipment and computer readable storage medium | |
| CN110766397B (en) | Near field payment method based on data identification model | |
| CN108431848A (en) | The commission of transaction | |
| KR20050009772A (en) | Authentication and Payment Method using Cellular Phone Having Smart Card or Smart Chip in it | |
| CN111626721B (en) | Cross-border payment method | |
| CN113259873B (en) | 5G message-based card change reservation method and system and bank terminal | |
| CN106875180B (en) | Online payment method with visible light and bar code bidirectional authentication | |
| KR20050094979A (en) | System and method for recharging moblie prepaid card, terminals and recording medium for it | |
| CN109413635B (en) | Implementation environment structure and optimization method for accepted communication service | |
| KR101601254B1 (en) | Method for Requesting Payment by using Pattern Image | |
| CN116051105B (en) | Payment processing method and system based on android consumer |
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 |