CN112712359B - Money collection method, money collection device, and readable storage medium - Google Patents

Money collection method, money collection device, and readable storage medium Download PDF

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CN112712359B
CN112712359B CN202011644905.4A CN202011644905A CN112712359B CN 112712359 B CN112712359 B CN 112712359B CN 202011644905 A CN202011644905 A CN 202011644905A CN 112712359 B CN112712359 B CN 112712359B
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digital currency
currency
digital
money
payment
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CN112712359A (en
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程胜春
付庆
龚志勇
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Shenzhen Zhengtong Electronics Co Ltd
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Shenzhen Zhengtong Electronics Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3276Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The invention discloses a money collection method, a money collection device and a readable storage medium, wherein the money collection method comprises the following steps: when receiving input collection information, acquiring payment information; when the currency type in the payment information is electronic currency, generating a transaction request according to the collection information and the payment information, and sending the transaction request to a first server so that the first server transfers the legal currency corresponding to the transaction request; acquiring digital currency when the currency type in the payment information is digital currency; and when the digital currency and the collection information pass the transaction verification, acquiring target digital currency and storing the target digital currency, thereby achieving the effect of supporting the collection mode based on the electronic currency and the digital currency.

Description

Money collection method, money collection device, and readable storage medium
Technical Field
The present invention relates to the field of payment technologies, and in particular, to a method and apparatus for collecting money, and a readable storage medium.
Background
As digital money has entered the controllable trial-and-error link, a new trend is necessarily made for a payment method of transactions through digital money, and an electronic money-based payment method has been deep, so that a future digital money-based payment method and an electronic money-based payment method exist simultaneously.
Because the transaction system of the digital currency and the electronic currency is inconsistent, the existing cash collecting device only supports one cash collecting mode, namely only supports electronic currency payment, or only supports digital currency payment, but cannot support the cash collecting mode based on the electronic currency and the digital currency at the same time.
The foregoing is provided merely for the purpose of facilitating understanding of the technical solutions of the present invention and is not intended to represent an admission that the foregoing is prior art.
Disclosure of Invention
The main object of the present invention is to provide a money collection method, a money collection device and a readable storage medium, which aim to support a money collection method based on electronic money and digital money at the same time.
In order to achieve the above object, the present invention provides a money collection method including the steps of:
when receiving input collection information, acquiring payment information;
when the currency type in the payment information is electronic currency, generating a transaction request according to the collection information and the payment information, and sending the transaction request to a first server so that the first server transfers the legal currency corresponding to the transaction request;
acquiring digital currency when the currency type in the payment information is digital currency;
and acquiring target digital currency and storing the target digital currency when the digital currency and the collection information pass transaction verification.
Optionally, the step of acquiring the target digital currency and saving the target digital currency when the transaction verification is passed based on the digital currency and the collection information includes:
acquiring a current network state;
when the current network state is an unconnected state, performing preliminary verification on a first digital signature of the digital currency;
taking the digital currency passing the preliminary verification as digital currency to be verified, and storing the digital currency to be verified into a hardware digital wallet;
generating transaction running water;
when network connection is detected, generating a transaction verification request based on the digital currency to be verified and the transaction flow, and sending the transaction verification request to a second server;
and receiving a target digital currency returned by the second server based on the transaction verification request, and storing the target digital currency.
Optionally, the step of initially verifying the first digital signature of the digital currency includes:
a first digital signature of the digital currency is verified from an issuer public key of the digital currency.
Optionally, after the step of initially verifying the first digital signature of the digital currency, the method further includes:
and sending prompt information to a payer when the primary verification of the digital currency fails.
Optionally, the step of acquiring the target digital currency and saving the target digital currency when the transaction verification is passed based on the digital currency and the collection information further includes:
when the current network state is a connection state, generating a transaction verification request according to the payment information and the digital currency, and sending the transaction verification request to a second server;
and when receiving the target digital currency returned by the second server based on the transaction verification request, storing the target digital currency.
Optionally, the payment information includes a first public key certificate of a payer, and before the step of obtaining digital currency, the method further includes:
verifying a second digital signature of the first public key certificate from an issuer public key of the digital currency;
and after the second digital signature passes verification, sending a second public key certificate of the payee to the payer, so that the payee can acquire payee information according to the second public key certificate and send digital currency to the payee.
Optionally, the step of obtaining payment information includes:
reading payment information in a payment card when the insertion of the payment card is detected; or alternatively, the first and second heat exchangers may be,
and when the two-dimension code is scanned by the camera device, acquiring payment information in the two-dimension code.
In addition, in order to achieve the above object, the present invention also provides a collecting device, including:
the receiving module is used for receiving the collection information input by the user;
the acquisition module is used for acquiring payment information;
the electronic money payment module is used for generating a transaction request according to the collection information and the payment information and sending the transaction request to a first server;
and the digital currency payment module is used for acquiring digital currency, acquiring target digital currency and storing the target digital currency when the digital currency and the collection information pass transaction verification.
In addition, in order to achieve the above object, the present invention also provides a collecting device, including: the system comprises a memory, a processor and a money collection program stored in the memory and capable of running on the processor, wherein the money collection program realizes the steps of the money collection method when being executed by the processor.
In order to achieve the above object, the present invention also provides a readable storage medium having stored thereon a money collection program which, when executed by a processor, implements the steps of the money collection method as described above.
The embodiment of the invention provides a money collection method, a money collection device and a readable storage medium, wherein when receiving collection information input by a user, payment information is acquired; when receiving input collection information, acquiring payment information; when the currency type in the payment information is electronic currency, generating a transaction request according to the collection information and the payment information, and sending the transaction request to a first server so that the first server transfers the legal currency corresponding to the transaction request; and when the currency type in the payment information is digital currency, acquiring target digital currency based on the digital currency and the collection information passing transaction verification, and storing the target digital currency, thereby achieving the effect of supporting a collection mode based on electronic currency and digital currency at the same time.
Drawings
FIG. 1 is a schematic diagram of a hardware architecture of a cash register according to an embodiment of the present invention;
FIG. 2 is a flow chart of a first embodiment of a method for collecting money according to the present invention;
FIG. 3 is a flow chart of a second embodiment of a method for collecting money according to the present invention;
FIG. 4 is a flow chart of a third embodiment of a method for collecting money according to the present invention;
fig. 5 is a functional block diagram of a cash register according to an embodiment of the present invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
As digital money has entered the controllable trial-and-error link, a new trend is necessarily made for a payment method of transactions through digital money, and an electronic money-based payment method has been deep, so that a future digital money-based payment method and an electronic money-based payment method exist simultaneously.
Because the transaction system of the digital currency and the electronic currency is inconsistent, the existing cash collecting device only supports one cash collecting mode, namely only supports electronic currency payment, or only supports digital currency payment, but cannot support the cash collecting mode based on the electronic currency and the digital currency at the same time.
In order to solve the above-mentioned drawbacks, an embodiment of the present invention provides a method for collecting money, a device for collecting money, and a readable storage medium, wherein the method for collecting money mainly includes the following steps:
when receiving input collection information, acquiring payment information;
when the currency type in the payment information is electronic currency, generating a transaction request according to the collection information and the payment information, and sending the transaction request to a first server so that the first server transfers the legal currency corresponding to the transaction request;
and when the currency type in the payment information is digital currency, acquiring target digital currency based on the digital currency and the collection information passing transaction verification, and storing the target digital currency.
After receiving the payment information input by the user, the payment device firstly acquires the payment information, then determines the currency type of the payer for payment according to the payment information, and then executes the payment method corresponding to different currency types to collect corresponding money, thereby achieving the effect of simultaneously supporting the payment method based on electronic currency and digital currency.
As shown in fig. 1, fig. 1 is a schematic hardware architecture of a cash register according to an embodiment of the present invention.
As shown in fig. 1, the cash register may include: a processor 1001, such as a CPU, a user interface 1003, a network interface 1004, a memory 1005, a communication bus 1002. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a card reader, a camera, etc., and the optional user interface 1003 may further include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.
Those skilled in the art will appreciate that the hardware architecture of the cash register shown in fig. 1 does not constitute a limitation of the cash register, and may include more or fewer components than shown, or may combine certain components, or may have different arrangements of components.
As shown in fig. 1, an operating system, a network communication module, a user interface module, and a money collection program may be included in a memory 1005, which is a type of computer storage medium.
In the cash register shown in fig. 1, the network interface 1004 is mainly used for connecting to a background server and performing data communication with the background server; the processor 1001 may be configured to call a collection program of money stored in the memory 1005 and perform the following operations:
when receiving input collection information, acquiring payment information;
when the currency type in the payment information is electronic currency, generating a transaction request according to the collection information and the payment information, and sending the transaction request to a first server so that the first server transfers the legal currency corresponding to the transaction request;
and when the currency type in the payment information is digital currency, acquiring target digital currency based on the digital currency and the collection information passing transaction verification, and storing the target digital currency.
Further, the processor 1001 may be configured to call a money collecting program of the money stored in the memory 1005, and further perform the following operations:
acquiring a current network state;
when the current network state is an unconnected state, performing preliminary verification on a first digital signature of the digital currency;
taking the digital currency passing the preliminary verification as digital currency to be verified, and storing the digital currency to be verified into a hardware digital wallet;
generating transaction running water;
when network connection is detected, generating a transaction verification request based on the digital currency to be verified and the transaction flow, and sending the transaction verification request to a second server;
and receiving a target digital currency returned by the second server based on the transaction verification request, and storing the target digital currency.
Further, the processor 1001 may be configured to call a money collecting program of the money stored in the memory 1005, and further perform the following operations:
a first digital signature of the digital currency is verified from an issuer public key of the digital currency.
Further, the processor 1001 may be configured to call a money collecting program of the money stored in the memory 1005, and further perform the following operations:
and sending prompt information to a payer when the primary verification of the digital currency fails.
Further, the processor 1001 may be configured to call a money collecting program of the money stored in the memory 1005, and further perform the following operations:
when the current network state is a connection state, generating a transaction verification request according to the payment information and the digital currency, and sending the transaction verification request to a second server;
and when receiving the target digital currency returned by the second server based on the transaction verification request, storing the target digital currency.
Further, the processor 1001 may be configured to call a money collecting program of the money stored in the memory 1005, and further perform the following operations:
verifying a second digital signature of the first public key certificate from an issuer public key of the digital currency;
and after the second digital signature passes verification, sending a second public key certificate of the payee to the payer, so that the payee can acquire payee information according to the second public key certificate and send digital currency to the payee.
Further, the processor 1001 may be configured to call a money collecting program of the money stored in the memory 1005, and further perform the following operations:
reading payment information in a payment card when the insertion of the payment card is detected; or alternatively, the first and second heat exchangers may be,
and when the two-dimension code is scanned by the camera device, acquiring payment information in the two-dimension code.
As shown in fig. 2, in a first embodiment of the money collection method of the present invention, the money collection method includes the steps of:
step S10, when receiving input collection information, acquiring payment information;
step S20, when the currency type in the payment information is electronic currency, generating a transaction request according to the collection information and the payment information, and sending the transaction request to a first server so that the first server transfers the legal currency corresponding to the transaction request;
and step S30, when the currency type in the payment information is digital currency, acquiring target digital currency based on the digital currency and the collection information when the payment information passes transaction verification, and storing the target digital currency.
In this embodiment, the collection information is input by the user through the input keyboard or the input interface of the collection device, and the collection information at least includes a collection amount; the payment information at least comprises a payment mode, wherein the payment mode is the currency type of the currency currently used for payment; when the payment mode is payment through electronic money, that is, when the money type is electronic money, the payment information may further include at least one of payer information, payment platform related information, bank information of money to be paid out by the payer, and payment verification information of the payer; when the payment is made by digital currency, i.e. the currency type is digital currency, the payment information may also include payer information, such as a public key certificate of the payer.
The electronic money is money paid by an electronic way, and the electronic money is money which is paid to an issuer of the electronic money by using a network banking service of a bank to store value and pay quickly, and the electronic money enables the payer to conduct transaction in an electronic form through a medium (a two-dimensional code or hardware equipment). Correspondingly, the payment platform comprises a third party payment platform and a bank payment platform, wherein the third party payment platform can be a payment bank, a WeChat, a cloud flash payment and the like, and the bank payment platform comprises a financial IC card, an official mobile phone bank of each commercial bank and the like.
The digital currency is legal currency in a digital form, and particularly in the people's republic of China, the digital currency refers to legal currency issued by China's banks, and the digital currency is universal currency which is equivalent to paper currency and metal cast currency issued by China's banks.
The digital money may be stored in a hardware digital wallet of the cash register or in a digital money management server, for example. In particular, digital money in a hardware digital wallet may be transferred by a cash register to a digital money manager server.
The processor receives the collection information input by the collection party, acquires the payment information of the payment party, acquires the payment mode in the payment information, acquires the collection party information and the bank information of the collection party for receiving the money when the payment mode is payment through electronic money, namely, the type of the money used for payment is electronic money, generates a transaction request according to the collection amount, the collection party information, the bank information of the collection party for receiving the money and the payment information in the collection information, sends the transaction request to a first server, acquires the money from a bank of the payment party for paying the money according to the transaction request, transfers the money to a bank of the collection party for receiving the money, completes money transfer, and sends prompting information of transaction completion to a terminal device and a collection device corresponding to the payment party after the money transfer is completed.
When the payment mode is that the payment is made through the digital currency, namely, the type of the currency used for payment is the digital currency, the processor receives the digital currency sent by the payer, then performs transaction verification based on the digital currency and the collection information, receives the digital currency sent by the digital currency management server after the transaction verification is passed, takes the digital currency as the target digital currency, and stores the target digital currency in the hardware digital wallet.
In the technical scheme disclosed in the embodiment, after receiving the payment information input by the user, the payment device acquires payment information, determines the currency type of the payer for payment according to the payment information, and executes the payment methods corresponding to different currency types to collect corresponding money, thereby achieving the effect of supporting the payment methods based on electronic currency and digital currency at the same time.
Illustratively, the step S30 further includes:
step S31, obtaining digital currency;
step S32, obtaining the current network state;
step S33, when the current network state is an unconnected state, performing preliminary verification on the first digital signature of the digital currency;
step S34, taking the digital currency which passes the preliminary verification as digital currency to be verified, and storing the digital currency to be verified into a hardware digital wallet;
step S35, generating transaction running water;
step S36, when network connection is detected, generating a transaction verification request based on the digital currency to be verified and the transaction flow, and sending the transaction verification request to a second server;
and step S37, receiving target digital currency returned by the second server based on the transaction verification request, and storing the target digital currency.
Specifically, the step S33 further includes: a first digital signature of the digital currency is verified from an issuer public key of the digital currency.
Because each digital currency has its corresponding monetary amount, the payer will send at least one digital currency for payment transaction when making a payment; the processor obtains the current network state after receiving the digital currency sent by the payer, and obtains the public key of the issuer in the hardware digital wallet when the current network state is in an unconnected state, wherein the issuer is the issuer of the digital currency, namely the central people bank, the public key of the issuer is the public key of the central people bank, and the corresponding first digital signature is a hash value obtained by signing the digital currency by using the private key of the issuer. The processor performs preliminary verification on the digital currency according to the public key of the issuer, namely, the first digital signature of the digital currency is verified through the public key of the issuer, and when the first digital signature is successfully verified, the preliminary verification of the digital currency is passed; upon failure of the first digital signature verification, the preliminary verification of the digital currency fails. The second server is the digital money management server.
When the digital currency passes the preliminary verification, the processor takes the digital signature passing the preliminary verification as the digital currency to be verified, and stores the digital currency in a hardware digital wallet, and then generates transaction running water based on transaction information such as the collection amount, the collection party identification, the payment information and the like in the collection information, and stores the transaction running water in a memory.
When the processor detects network connection, a transaction verification request is generated based on digital currency to be verified and transaction running water, the transaction verification request is sent to a digital currency management server, so that the digital currency management server verifies the digital currency to be verified after receiving the transaction verification request, after the digital currency to be verified passes verification, the collection amount is obtained according to the transaction running water, the actual payment amount is calculated according to the digital currency to be verified, the target digital currency is obtained according to the collection amount and the actual payment amount, and the target digital currency is sent to a payee. After the processor receives the target digital currency, the target digital currency is stored in a hardware digital wallet.
Illustratively, assuming that the payee needs to collect 68 yuan and the amount of digital money paid by the payer is 100 yuan, at least one target digital money is acquired in the digital money management server, and the amount of money of all the target digital money is added to 68 yuan.
Specifically, after the step S33, the method further includes: and sending prompt information to a payer when the primary verification of the digital currency fails.
When the primary verification of the digital currency fails, namely when the first digital signature verification fails, the processor sends prompt information that the digital currency is invalid to the payer, so that after the payer receives the prompt information, whether the digital currency used for payment is replaced or not is judged according to the prompt information.
In the technical scheme disclosed in the embodiment, the issuer public key is acquired during offline payment to verify the validity of the digital currency, so that invalid digital currency is prevented from being received, and the validity of a transaction result is ensured.
Optionally, the step S30 further includes:
step S38, when the current network state is a connection state, generating a transaction verification request according to the payment information and the digital currency, and sending the transaction verification request to a second server;
and step S39, when receiving the target digital currency returned by the second server based on the transaction verification request, storing the target digital currency.
When the current network state is acquired as a connection state, the processor directly generates a transaction verification request according to the payment information, the collection amount in the collection information and the received digital currency, and sends the transaction verification request to the digital currency management server, so that the digital currency management server verifies the digital currency after receiving the transaction verification request, acquires the collection amount according to transaction running water after the digital currency passes verification, calculates the actual payment amount according to the digital currency to be verified, acquires target digital currency according to the collection amount and the actual payment amount, and sends the target digital currency to a collection party. After the processor receives the target digital currency, the target digital currency is stored in a hardware digital wallet.
In the technical scheme disclosed in the embodiment, the current network state is judged, and when the network state is the connection state, the digital currency is directly verified through the digital currency management server.
Optionally, as shown in fig. 3, in a second embodiment of the money collecting method according to the present invention, before the step S30, the method further includes:
step S40, verifying a second digital signature of the first public key certificate according to the public key of the issuer of the digital currency;
and step S50, after the second digital signature passes verification, a second public key certificate of the payee is sent to the payer, so that the payee can obtain payee information according to the second public key certificate and send digital currency to the payee.
In this embodiment, the foregoing payer information may be a first public key certificate of the payer, where the first public key certificate is a public key authentication certificate generated by signing a public key of the payer with a private key of an issuer; correspondingly, the second public key certificate is a public key authentication certificate generated by signing the public key of the payee with the private key of the issuer.
After the processor acquires the payment information, acquiring a first public key certificate in the payment information, verifying a second digital signature in the first public key certificate through an issuer public key, and after the second digital signature is verified successfully, transmitting a second public key certificate to a payer; after receiving the second public key certificate, the payer verifies the digital signature in the second public key certificate according to the public key of the issuer, and sends digital currency for transaction to the payee after the digital signature in the second public key certificate is successfully verified.
In the technical scheme disclosed in the embodiment, the public key of the issuer is obtained to verify the public key certificate of the payer, so that the security of the transaction process is ensured.
Optionally, as shown in fig. 4, in a third embodiment of the money collecting method according to the present invention, the step S10 further includes:
s11, when the insertion of a payment card is detected, reading payment information in the payment card; or alternatively, the first and second heat exchangers may be,
and step S12, when the two-dimension code payment is scanned by the camera device, acquiring payment information in the two-dimension code payment.
In this embodiment, the payment card may be a financial IC card for electronic payment or a digital money wallet IC card for digital payment.
When the processor detects that the payment card is inserted, the payment party information recorded in the payment card and the currency type for payment are acquired through the card reading device; or the processor can scan the two-dimension code through the camera device and then acquire the payment information recorded in the two-dimension code.
In the technical scheme disclosed in the embodiment, the convenience of transaction is improved by setting the acquisition modes of various payment information.
In addition, as shown in fig. 5, the embodiment of the present invention further provides a cash register 10, which includes:
a receiving module 11 for receiving the receipt information input by the user;
an acquisition module 12 for acquiring payment information;
an electronic money payment module 13 for generating a transaction request according to the collection information and the payment information, and transmitting the transaction request to a first server;
and the digital currency payment module 14 is used for acquiring digital currency, acquiring target digital currency based on the digital currency and the collection information when the digital currency passes transaction verification, and storing the target digital currency.
In addition, the embodiment of the invention also provides a money collecting device, which comprises a memory, a processor and a money collecting program stored in the memory and capable of running on the processor, wherein the money collecting program is executed by the processor to realize the steps of the money collecting method according to the above embodiments.
In addition, the embodiments of the present invention also provide a readable storage medium having stored thereon a money collection program that, when executed by a processor, implements the steps of the money collection method according to the above embodiments.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) as described above, comprising instructions for causing a cash register (which may be a POS machine or the like) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.

Claims (6)

1. A method of collecting money, wherein the money includes electronic money and digital money, the method of collecting money comprising the steps of:
receiving input collection information, and reading payment information in a payment card when the insertion of the payment card is detected; or alternatively, the first and second heat exchangers may be,
scanning a two-dimensional payment code through a camera device, and acquiring payment information in the two-dimensional payment code, wherein the payment information comprises a first public key certificate of a payer, the first public key certificate is a public key authentication certificate generated by signing a public key of the payer by using an issuer private key, and the collection information is input by a user through an input keyboard or an input interface of a collection device;
when the currency type in the payment information is electronic currency, generating a transaction request according to the collection information and the payment information, and sending the transaction request to a first server so that the first server transfers the legal currency corresponding to the transaction request;
when the currency type in the payment information is digital currency, verifying a second digital signature of the first public key certificate according to an issuer public key of the digital currency;
after the second digital signature passes verification, sending a second public key certificate of a payee to a payer, so that the payer obtains payee information according to the second public key certificate and sends the digital currency to the payee;
acquiring the digital currency and acquiring the current network state;
when the current network state is in an unconnected state, verifying a first digital signature of the digital currency according to an issuer public key of the digital currency, wherein the first digital signature is a hash value obtained by signing the digital currency by using an issuer private key;
taking the digital currency passing the preliminary verification as digital currency to be verified, and storing the digital currency to be verified into a hardware digital wallet;
generating transaction running water;
when network connection is detected, generating a transaction verification request based on the digital currency to be verified and the transaction flow, and sending the transaction verification request to a digital currency management server so that the digital currency management server verifies the digital currency to be verified after receiving the transaction verification request;
after the digital currency to be verified passes verification, acquiring a collection amount according to transaction running water, calculating an actual payment amount according to the digital currency to be verified, acquiring a target digital currency according to the collection amount and the actual payment amount, and sending the target digital currency to a collection party;
after receiving the target digital currency, the payee saves the target digital currency in a hardware digital wallet.
2. The method of collecting money as recited in claim 1 wherein after the step of verifying the first digital signature of the digital currency with the issuer public key of the digital currency, further comprising:
and sending prompt information to a payer when the primary verification of the digital currency fails.
3. The method of collecting money according to claim 1, wherein after the step of acquiring the digital money and acquiring the current network state, further comprising:
when the current network state is a connection state, generating a transaction verification request according to the payment information and the digital currency, and sending the transaction verification request to a second server;
and when receiving the target digital currency returned by the second server based on the transaction verification request, storing the target digital currency.
4. A cash register device, the cash register device comprising:
a receiving module for receiving receipt information input by a user, the receiving module performing the receipt method of money as claimed in claim 1;
the acquisition module is used for acquiring payment information;
the electronic money payment module is used for generating a transaction request according to the collection information and the payment information and sending the transaction request to a first server;
and the digital currency payment module is used for acquiring digital currency, acquiring target digital currency and storing the target digital currency when the digital currency and the collection information pass transaction verification.
5. A cash register device, the cash register device comprising: a memory, a processor and a money collection program stored on the memory and executable on the processor, which when executed by the processor, implements the steps of the money collection method of any one of claims 1 to 3.
6. A readable storage medium, wherein a money collection program is stored on the readable storage medium, which when executed by a processor, implements the steps of the money collection method according to any one of claims 1 to 3.
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