CN112950216A

CN112950216A - Transaction method and device based on digital currency

Info

Publication number: CN112950216A
Application number: CN202110228541.XA
Authority: CN
Inventors: 刘洋
Original assignee: Jiede China Technology Co ltd
Current assignee: Jiede China Technology Co ltd
Priority date: 2021-03-02
Filing date: 2021-03-02
Publication date: 2021-06-11

Abstract

The application discloses a transaction method and device based on digital currency. The method comprises the following steps: receiving resource refund information for instructing a refund resource operation, the resource refund information including a refund resource value and identification information of a digital currency wallet, the refund resource value being determined by a prepaid resource value and an actual roll-out resource value; and transferring the first resource corresponding to the refund resource value to the digital currency wallet corresponding to the identification information. The mode achieves the purposes of self-service refund without manual examination and verification.

Description

Transaction method and device based on digital currency

Technical Field

The present application relates to the field of computer technologies, and in particular, to a transaction method and apparatus based on digital currency.

Background

At present, the existing prepaid transaction method adopts a traditional settlement mode, that is, a resource value corresponding to the used business service resource amount is manually settled according to the business service resource amount used by a user, and then the consumed resource value is deducted from an account or a rechargeable card registered by the user. However, this settlement method requires the user to register with an application provided by the service provider or purchase a rechargeable card, which results in a cumbersome operation for the user to settle the transaction. And the resource value in the account or the rechargeable card is refunded, and the refunded resource value can be refunded only by manual examination, so that the risk that the resource value in the account or the rechargeable card cannot be refunded exists to a certain extent.

Disclosure of Invention

The embodiment of the application provides a transaction method and device based on digital currency, which can achieve the purposes of self-service refund without manual examination and verification.

According to a first aspect of embodiments of the present application, there is provided a digital currency based transaction method applied to a first terminal, the method including: receiving resource refund information for instructing a refund resource operation, the resource refund information including a refund resource value and identification information of the digital money wallet, the refund resource value being determined by a prepaid resource value and an actual roll-out resource value, the actual roll-out resource value being determined according to actually used business service resource information.

And transferring the first resource corresponding to the refund resource value to the digital currency wallet corresponding to the identification information.

In some embodiments, prior to said receiving resource fallback information indicating a fallback resource operation, the method further comprises:

receiving payment transaction information indicating an operation to transfer to a resource, the payment transaction information including transaction information, and identification information of a digital currency wallet.

Transferring a second resource from the digital currency wallet corresponding to the prepaid resource value.

In some embodiments, after said transferring from said digital money wallet to a second resource corresponding to said prepaid resource value, said method may further comprise: and sending payment transaction success information to the server under the condition that the second resource is successfully transferred.

And/or sending control information to the second terminal under the condition that the second resource is successfully transferred, so that the second terminal is in a working state.

In some embodiments, said transferring into a digital currency wallet corresponding to said identification information a first resource corresponding to said refund resource value comprises: and transferring the first resource to the digital money wallet corresponding to the identification information according to the type of the digital money wallet.

In some embodiments, said transferring from said digital money wallet to a second resource corresponding to said prepaid resource value comprises: transferring the second resource from the digital money wallet corresponding to the identification information according to the type of the digital money wallet.

In some embodiments, said transferring the first resource to the digital money wallet corresponding to the identification information according to the type of the digital money wallet comprises: in a case where the digital money wallet includes a hardware wallet, the first terminal searches for a hardware wallet corresponding to the identification information using a short-range communication network, and transfers digital money corresponding to the refund resource value to the hardware wallet.

In a case where the digital money wallet includes a software wallet, the first terminal searches for the software wallet corresponding to the identification information through a digital money network, and transfers digital money corresponding to the refund resource value to the software wallet.

In some embodiments, the transferring from the digital money wallet corresponding to the identification information to the second resource according to the type of digital money wallet comprises: in a case where the digital money wallet includes a hardware wallet, the first terminal searches for a hardware wallet corresponding to the identification information using a short-range communication network, and transfers digital money corresponding to the prepaid resource value from the hardware wallet.

In a case where the digital money wallet includes a software wallet, the first terminal searches for the software wallet corresponding to the identification information through a digital money network, and transfers digital money corresponding to the prepaid resource value from the software wallet.

According to a second aspect of embodiments of the present application, there is provided a digital currency based transaction method applied to a server, the method including: and receiving working information sent by the second terminal, wherein the working information comprises actual transaction information and a transaction number.

A prepaid resource value corresponding to the transaction number is determined.

And comparing the prepaid resource value with an actual transfer-out resource value corresponding to the actual transaction information, wherein the actual transfer-out resource value is determined according to the actually used service resource information in the actual transaction information.

Calculating a fallback resource value between the prepaid resource value and the actual roll-out resource value in the event that the prepaid resource value is greater than the actual roll-out resource value.

And generating and sending resource refund information to the first terminal based on the refund resource value and the identification information of the digital currency wallet corresponding to the transaction number, wherein the resource refund information is used for indicating resource refund operation.

In some embodiments, after the server determines the prepaid resource value corresponding to the transaction number, the method further comprises:

the server generates maximum service resource information according to the prepaid resource value, wherein the maximum service resource information comprises a maximum service resource value provided when the second terminal stops working;

and the server sends the maximum service resource information to the second terminal.

In some embodiments, after said comparing said prepaid resource value to an actual roll-out resource value corresponding to said actual transaction information, said method further comprises: transmitting information indicating completion of the transaction if the prepaid resource value equals the actual roll-out resource value.

In some embodiments, before the receiving the operation information sent by the second terminal, the method further includes: receiving payment transaction success information indicating that the transfer-in of a second resource corresponding to the prepaid resource value was successful.

And sending control information to a second terminal based on the payment transaction success information so as to enable the second terminal to be in a working mode.

In some embodiments, prior to said receiving payment transaction success information, said method further comprises: transaction request information is received, the transaction request information including a transaction type.

Based on the transaction type, a prepaid resource value and a transaction number are generated.

Transaction information is generated and transmitted based on the prepaid resource value and the transaction number.

According to a third aspect of embodiments of the present application, there is provided a digital currency based transaction apparatus for use with a first terminal, the apparatus comprising: a first information receiving module configured to perform receiving resource refund information indicating a resource refund operation, the resource refund information including a refund resource value and identification information of a digital money wallet, the refund resource value being determined by a prepaid resource value and an actual roll-out resource value, the actual roll-out resource value being determined according to actually used business service resource information in the actual transaction information.

A roll-out module configured to perform a roll-in of a first resource corresponding to the refund resource value to a digital currency wallet corresponding to the identification information.

According to a fourth aspect of embodiments of the present application, there is provided a digital currency based transaction apparatus applied to a server, the apparatus including: and the second information receiving module is configured to execute receiving of the working information sent by the second terminal, wherein the working information comprises actual transaction information and a transaction number.

A resource determination module configured to perform determining a prepaid resource value corresponding to the transaction number.

A resource comparison module configured to perform a comparison of the prepaid resource value with an actual roll-out resource value corresponding to the actual transaction information.

A resource calculation module configured to perform calculating a refund resource value between the prepaid resource value and the actual roll-out resource value if the prepaid resource value is greater than the actual roll-out resource value.

A generating module configured to execute generating resource refund information based on the refund resource value and identification information of the digital currency wallet corresponding to the transaction number, the resource refund information being used to instruct a resource refund operation.

A transmitting module configured to perform transmitting the resource fallback information to the first terminal.

In some embodiments, the first terminal is integrated with the second terminal.

According to a fifth aspect of embodiments herein, there is provided a computer apparatus, the apparatus comprising: a processor and a memory for storing processor-executable instructions.

Wherein the processor is configured to execute the instructions to implement the digital currency based transaction method as described in the first aspect.

According to a sixth aspect of embodiments of the present application, there is provided a server, including: a processor and a memory for storing processor-executable instructions.

Wherein the processor is configured to execute the instructions to implement the digital currency based transaction method of the second aspect.

According to a seventh aspect of embodiments of the present application, there is provided a computer storage medium having stored thereon computer program instructions which, when executed by a processor, implement the digital currency based transaction method according to the first aspect and the digital currency based transaction method according to the second aspect.

According to an eighth aspect of embodiments herein there is provided a computer program product comprising a computer program or instructions which, when executed by a processor, implements a digital currency based transaction method as described in the first aspect and a digital currency based transaction method as described in the second aspect.

The transaction method and device based on the digital currency, the computer equipment, the server, the computer storage medium and the computer program product can pay the refund resource value to the digital currency wallet corresponding to the identification information according to the resource refund information, so that the purposes of self-service refund without manual examination and self-service refund are achieved. Meanwhile, since the refund resource value is refunded back to the digital money wallet, the refund resource value can be acquired without initiating a refund request to the service provider.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the embodiments of the present application will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

Fig. 1 is a block diagram of the components of a digital currency based transaction system provided by an embodiment of the present application.

Fig. 2 is a flow chart of a digital currency based transaction method according to an embodiment of the present application.

Fig. 3 is a flow chart of a digital currency based transaction method according to another embodiment of the present application.

Fig. 4 is a flow chart of a digital currency based transaction method according to yet another embodiment of the present application.

Fig. 5 is a schematic structural diagram of a digital currency based transaction device according to an embodiment of the present application.

Fig. 6 is a schematic structural diagram of a digital currency based transaction device according to another embodiment of the present application.

Fig. 7 shows a hardware structure diagram of a computer device provided in an embodiment of the present application.

Fig. 8 shows a hardware structure diagram of a server provided in an embodiment of the present application.

Detailed Description

Features and exemplary embodiments of various aspects of the present application will be described in detail below, and in order to make objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended to be illustrative only and are not intended to be limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present application by illustrating examples thereof.

It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus 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 apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

Before describing in detail the embodiments of the present application that provide a digital currency based transaction method, a brief description of the technology involved in the present application will be given.

Digital currency refers to digitized currency, issued by the central authorities of various countries, and legal currency with state credit endorsement and legal compensation ability. Digital currency is a cash alternative from the currency essence point of view, providing a cash-like convenient, secure and privacy experience.

Digital currency wallet: the digital currency asset management system is divided into two expressions of hardware and software, but is a carrier for storing digital currency assets of a holder regardless of form.

Digital currency wallet: the method is divided into two expressions of hardware and software, but is a carrier for storing the resources of the holder regardless of the form.

The hardware wallet may refer to a hardware module having a security element SE. In the hardware wallet, a currency string sequence number (string) is stored in the SE, and data processing and encryption are completed in the SE. The hardware wallet can split the coin string serial number (string) into two or more coin string serial numbers with different values meeting the requirements of an authority, and the authority can check whether the split is in correct compliance. For example, the payment information includes signature information of a hardware wallet and a currency string sequence number, and based on a Public Key Infrastructure (PKI) system, an authority realizes signature verification on a terminal and the sequence number, thereby verifying the validity of string splitting.

A software wallet may refer to a software module without an SE. The interaction mode can be the same as that of a hardware wallet, and data can be uploaded to an authority party in real time through a resource transaction network through a carrier of a software wallet.

The coin string sequence number can be transmitted between two different hardware purses through a short-distance communication network, and the hardware purses record the relevant information of the transmitted coin string sequence, including information such as provider ID, receiver ID, the transmitted coin string sequence number, transmission time and the like. This information may be stored off-line, synchronizing it to the authority when the hardware wallet is connected to a proprietary network of resources.

The hardware wallet can also transmit the coin string sequence number with the software wallet in a short-distance communication mode, and the software wallet directly synchronizes data to an authority mechanism through a resource private network.

The two different software wallets can transmit the coin string sequence number through the resource transaction network, and the software wallets record the related information of the transmitted coin string sequence, including the information of provider ID, receiver ID, the transmitted coin string sequence number, transmission time and the like. The software wallet synchronizes information to the authority directly through the proprietary network of resources.

Trading: transactions of digital currency occur between digital currency wallets; the holder of the digital currency asset must use the digital currency wallet to conduct the transaction. The essence of the transaction is the transfer of the digital monetary asset.

Off-line and on-line: digital currency wallets support all-off-line, semi-on-line, and all-on-line transactions, which of course must be limited by certain risk parameter requirements. The off-line transaction mode refers to a mode in which two devices perform transactions without being connected to the internet. The semi-online mode refers to a mode that one of two devices is disconnected from the internet to conduct transactions. The online transaction mode refers to a mode of transaction of two devices under the condition of connecting with the internet.

The digital currency network refers to a proprietary network composed of banks for digital currency.

The existing transaction mode generally adopts a cash settlement mode and a mobile payment mode. The cash settlement method means that a user needs to go to a counter of a service provider to give a certain amount of cash to a cashier as a prepaid fee if the user wants to achieve the purpose of self-service consumption. The cashier enters the amount of the prepaid fee in the transaction system and unlocks the device, and then informs the user of the device number used. And the user uses the equipment corresponding to the number for consumption. After the consumption is finished, if the prepayment cost which is not used yet exists, the user needs to go to the counter again to change.

Because the cash transaction operation link is tedious, the user usually uses a mobile payment method to realize the transaction settlement. The general transaction settlement method includes a pre-payment method and a post-payment method.

First, a pay-first approach. The user reserves the required consumption item through the application software of the service provider and provides the information of the required consumption. The facilitator transaction system will lock an amount equal to the expected cost of consumption in the balance of the user's charge card. After the user enters the place, the staff check the reservation information of the user through the service provider terminal and provide the service corresponding to the consumption project for the user. After the service is completed, the facilitator transaction system deducts the resource value equivalent to the actual cost from the user's prepaid card and will release the remaining resource value. The user needs to initiate the operation of returning the resource value to the transaction system of the service provider, and after the verification, the rest resource value is brought out from the rechargeable card to the bank account of the user.

Second, post-paid. The user makes the consumption first and then makes payment in the following manner.

1) The user scans the two-dimensional code by presenting the two-dimensional code associated with the service provider's rechargeable card, and the staff deducts the value of the relevant resource from the rechargeable card.

2) And the user positions the consumption place through the positioning function of the application software of the service provider, selects the required consumption article, finds out the transaction information corresponding to consumption, and pays by using the service provider rechargeable card on line.

However, in the above mobile payment method, the user needs to register an account in the application software of the service provider. And when transaction settlement is carried out, the service provider transaction system needs to deduct related resources from the account number of the user. If the user wants to extract the resource value of the user account, the resource value is extracted into the bank account after being checked and changed into legal currency owned by the user. As such, the user is burdened with the operation of settling the transaction, and there is a risk that the resource value in the account or the rechargeable card cannot be refunded to some extent.

After the mobile Payment wave, Digital Currency/Electronic Payment (DC/EP) must become another revolution of the future chinese Payment industry, bringing far-reaching influence to each industry and bringing brand-new Payment scenes and experiences.

In view of the above, the embodiments of the present application provide a digital money-based transaction method based on a technical idea of applying digital money to transaction settlement, which can directly transfer digital money corresponding to a prepaid resource value from a digital money wallet in a user terminal or directly transfer digital money corresponding to a refund resource value to the digital money wallet in the user terminal according to a received instruction, thereby simplifying operations of user settlement transactions, and enabling a service provider and a user to directly perform money settlement without performing an extraction operation, thereby achieving the purposes of self-service refund without manual auditing.

It should be noted that the scheme in the present application can also be applied to electronic money, that is, all the words of digital money in the present application document and all the words of "digital money" can be replaced by "electronic money", and all the words of "digital money wallet" in the present application document can be replaced by "electronic wallet". The electronic money may include electronic money of a microprocessor (CPU) card such as financial Integrated Circuit (IC) card electronic wallet \ electronic cash, industrial IC card electronic wallet \ electronic cash, electronic wallet of a prepaid IC card, electronic cash, etc.

Fig. 1 is a block diagram of a digital currency based transaction system provided in an embodiment of the present application, where the system 100 includes: user terminal 110, first terminal 120, second terminal 130.

The user terminal 110 may include a first digital currency wallet 111. The user terminal 110 may be operable to transfer digital money from the first digital money wallet 111 to the first terminal 120 in accordance with the payment transaction information; digital money is transferred from the first terminal 120. Among them, the first digital money wallet 111 may be a digital money wallet corresponding to the user identity information. The first digital money wallet 111 may include one or more digital money wallets. A digital currency wallet may be a vehicle to carry digital currency.

The first terminal 120 may include a digital money receiving device 121. The first terminal 120 may be configured to transfer digital money corresponding to a fee (i.e., an actual resource value) required for the transaction from the first digital money wallet 111 according to the payment transaction information; and also for transferring digital money corresponding to the transaction prepaid fee (i.e., prepaid resource value) from the first digital money wallet 111 according to the payment transaction information; and also for transferring digital money corresponding to the remaining cost of the transaction (i.e., refund resource value) to the first digital money wallet 111 based on the resource refund information.

In some embodiments, the digital currency collection device 121 may be capable of collecting digital currency. The digital money receiving device 121 may also have the capability of returning digital money.

In some embodiments, the digital money receiving device 121 may be a separate handheld fixed receiving device, a receiving device integrated with the first terminal, or other types of receiving devices. In the embodiment of the present application, the form of the digital money receiving device 121 is not limited.

In some embodiments, the digital money collection device 121 may include a second digital money wallet 1211.

In some embodiments, the digital money receiving apparatus 121 may be configured to transfer digital money corresponding to the remaining cost of the transaction from the second digital money wallet to the first digital money wallet using the short-range communication network, based on the resource refund information, in a case where the first digital money wallet and the second digital money wallet are both hardware wallets; it is also possible to use the short-range communication network to transfer digital money corresponding to the fee required for the transaction from the first digital money wallet 111 to the second digital money wallet, in accordance with the payment transaction information, in the case where the first digital money wallet and the second digital money wallet are both hardware wallets.

In some embodiments, the digital money receiving apparatus 121 may be configured to transfer digital money corresponding to the remaining cost of the transaction from the second digital money wallet to the first digital money wallet using the digital money network, based on the resource refund information, in the case where the first digital money wallet and the second digital money wallet are both software wallets; it is also possible to use the digital money network to transfer digital money corresponding to the fee required for the transaction from the first digital money wallet 111 to the second digital money wallet in accordance with the payment transaction information in the case where the first digital money wallet and the second digital money wallet are both software wallets.

The second terminal 130 may include an internet of things device 131, which may be used to provide business services required for the transaction; or used for providing business services required by the transaction according to the control information sent by the first terminal 120; may also be used to send resource fallback information to the first terminal 120.

Here, the second terminal 130 may be used to calculate a difference between the transaction advance fee and the fee required for the transaction, and generate the resource refund information.

In some embodiments, the first terminal 120 and the second terminal 130 may be integrated into one terminal. The first terminal 120 and the second terminal 130 may also be independently provided.

Here, in a case where the first terminal 120 and the second terminal 130 may be integrated into one terminal, the terminal may be used to provide business services required for a transaction in the case of confirming that digital money corresponding to a prepaid fee (i.e., a prepaid resource value) for the transaction is successfully transferred from the first digital money wallet 111.

In some embodiments, the first terminal 120 may be in a one-to-one correspondence with the second terminal 130. The first terminal 120 may also correspond to a plurality of second terminals 130. In the embodiment of the present application, the correspondence relationship between the first terminal and the second terminal 130 is not limited.

In some embodiments, as shown in fig. 1, the system 100 may further include: a server 140.

The first terminal 120 may transmit payment transaction success information to the server in case of determining to transfer in the transaction prepaid fee.

The second terminal 130 may also be used to provide business services required for the transaction according to the control information sent by the server 140; and may also be used to send work information to the server 140.

The server 140 may include a payment management system 141, which may be configured to receive transaction request information, generate and transmit transaction information; and also for receiving transaction payment success information, storing the relationship between the identification information of the first digital money wallet 111 and the transaction information; may also be used to generate and send resource fallback information.

In some embodiments, the server 140 may also transfer the remaining cost of the transaction to the first digital money wallet based on the resource refund information.

Here, the server transfers the remaining transaction fee to the first digital money wallet through the digital money network based on the identification information of the first digital money wallet 111.

In some embodiments, the server 140 may be further configured to calculate a refund resource value between the prepaid resource value and the actual roll-out resource value if the prepaid resource value is greater than the actual roll-out resource value; the refund resource value is refunded to the software wallet of the user terminal over the digital currency network.

In the embodiment of the application, the refund resource value can be paid to the digital currency wallet corresponding to the identification information according to the resource refund information, so that the purposes of self-service refund without manual examination and verification are achieved. Meanwhile, since the refund resource value is refunded back to the digital money wallet, the refund resource value can be acquired without initiating a refund request to the service provider.

Based on the same inventive concept as the digital currency based transaction system, the embodiment of the application also provides a digital currency based transaction method which is applied to the first terminal. Fig. 2 is a flow chart of a digital currency based transaction method according to an embodiment of the present application. As shown in fig. 2, the digital money-based transaction method includes the following steps.

In step S210, the first terminal receives resource fallback information for instructing to fallback to the resource operation.

Here, the resource refund information includes refund resource value and identification information of the digital money wallet. The refund resource value is determined by the prepaid resource value and the actual roll-out resource value. Alternatively, the identification information of the digital money wallet may be unique identification information of the digital money wallet, and may include a unique code (ID) of the digital money wallet. The prepaid resource value may be a value of digital money previously transferred from a digital money wallet of the user terminal. The actual roll-out resource value may be determined from the actual transaction information. The actual transaction information may include information of the actually used business service resources. The actually used traffic service resource information may include an amount of actually used traffic service resources or an actually used traffic service charge. The actual value of the transferred resource can be determined according to the information of the actually used business service resource, and the actual value of the transferred resource is the numerical value of the digital currency corresponding to the actually used business service resource amount.

It should be noted that the business services in the embodiments of the present application may include various types of material resource services, such as energy resource services, house resource services, transportation resource services, goods resource services, and entertainment resource services.

In some embodiments, the actual used business service charges may include, but are not limited to, the following charges.

Cost of actual energy supply. For example, the cost of actually filling at a gas station; the cost of actually filling gas at a natural gas station; the cost of actually using a charging device or a socket for charging.

The cost of actually renting the item. For example, the cost of actually renting a house; the cost of actually leasing the vehicle; the cost of actually leasing the power bank and the cost of actually leasing other shared items.

And calculating the actual use cost of various energy sources according to the metering device. For example, the actual usage cost of the water resource is calculated according to the water meter of the internet of things; calculating the actual use cost of the power resource according to the electric meter of the Internet of things; and calculating the actual use cost of the gas resources according to the gas meter of the Internet of things.

The cost of the actual entertainment consumption. For example, the cost of actual consumption at a vocal bar; costs actually consumed at the casino; the cost of actual cinema consumption; costs of actual consumption at the attraction.

The cost of actually purchasing the goods. For example, the cost of purchasing goods using a vending machine; the cost of purchasing goods in the self-service mall; the cost of purchasing food at a cafeteria; the cost of purchasing drinking water using a drinking water vending machine.

In step S220, the first terminal transfers the first resource corresponding to the refund resource value to the digital money wallet corresponding to the identification information.

Here, the first resource includes a digital currency equal to the redemption resource value amount. And the first terminal determines the identification information of the digital currency wallet corresponding to the value of the swappable resource according to the received resource swappable information, and returns the first resource to the digital currency wallet of the user terminal corresponding to the identification information through a default transaction network of the digital currency.

In some embodiments, the identification information may be determined based on the resource return information, based on information recorded when the prepaid resource value was transferred, or based on other information. In the present application, the determination method of the identification information is not limited.

In some embodiments, the transaction network for digital currency may include a short-range communication network, such as a radio frequency communication network, a bluetooth communication network, an infrared communication network, and a wireless interconnected communication network. The radio frequency Communication network may include Near Field Communication (NFC). The transaction network for digital currency may also include a proprietary network of digital currency.

For example, the energy supply device is integrated with a first terminal having a digital money receiving and paying function, and after completion of energy supply, the first terminal receives resource refund information transmitted from a server corresponding to the energy supply device, and the first terminal transfers digital money corresponding to the refund resource value to a digital wallet of the user terminal.

For example, the shared article or the first terminal having the digital money receiving and paying function integrated with the shared article is loaded, and after the shared service is completed, the first terminal receives the resource refund information transmitted from the server corresponding to the shared article, and the first terminal transfers the digital money corresponding to the refund resource value to the digital wallet of the user terminal. The shared articles can include articles sharing shared items such as vehicles, wardrobes, massage chairs and charge pencils.

For example, a first terminal having a digital money receiving and paying function is integrated in a house facility, and after the rental is finished, the first terminal receives resource refund information transmitted from a server corresponding to the house, and the first terminal transfers digital money corresponding to the refund resource value to a digital wallet of a user terminal.

For example, a first terminal having a digital money receiving and paying function is integrated in a car, and after the rental is finished, the first terminal receives resource refund information transmitted from a server corresponding to the car, and the first terminal transfers digital money corresponding to the refund resource value to a digital wallet of a user terminal.

For example, a first terminal having a digital money receiving and paying function is integrated in the measuring device, and after the measurement is completed, the first terminal receives the resource refund information transmitted from the server corresponding to the measuring device, and the first terminal transfers the digital money corresponding to the refunded resource value to the digital wallet of the user terminal. Wherein, metering device can include thing networking water gauge, thing networking gas meter and thing networking ammeter etc..

For example, a first terminal having a digital money receiving and paying function is integrated in an entertainment facility, and after the service is completed, the first terminal receives resource refund information transmitted from a server corresponding to the entertainment facility, and the first terminal transfers digital money corresponding to the refunded resource value to a digital wallet of a user terminal. The entertainment facilities may include, among others, entertainment facilities of a grocery bar, entertainment facilities of a private cinema, and entertainment facilities of an amusement park.

For example, a first terminal having a digital money receiving and paying function is integrated in a vending machine, and after the purchase is completed, the first terminal receives resource refund information transmitted from a server corresponding to the vending machine, and the first terminal transfers digital money corresponding to the refund resource value to a digital wallet of a user terminal.

For example, a first terminal having a digital money collection and payment function is integrated in a cafeteria system, and after completion of a user's use, the first terminal receives resource return information transmitted from a server corresponding to a vending machine, and the first terminal transfers digital money corresponding to the returned resource value to a digital wallet of a user terminal.

For example, a first terminal having a digital money receiving and paying function is integrated in a drinking water vending machine, and after water reception is stopped, the first terminal receives resource refund information sent by a server corresponding to the drinking water vending machine, and the first terminal transfers digital money corresponding to the refund resource value to a digital wallet of a user terminal.

In some embodiments, to directly transfer to the prepaid resource, the method further comprises, before receiving the resource refund information at step S210.

Step S230, receiving payment transaction information for instructing to transfer to the resource operation.

Here, the payment transaction information includes transaction information, and identification information of the digital money wallet. The transaction information may include a transaction number and a prepaid resource value.

In some embodiments, the payment transaction information may be sent by the server, by the user terminal, or by another terminal. In the embodiment of the present application, the manner of paying for the transaction information is not limited.

Step S240 transfers a second resource corresponding to the prepaid resource value from the digital money wallet.

Here, the second resource includes digital currency having a value equal to the prepaid resource value. The first terminal transfers the digital money with the value equal to the value of the prepaid resource from the digital money wallet corresponding to the identification information to the digital money wallet corresponding to the first terminal. The digital money wallet corresponding to the first terminal may be a digital money wallet of a service provider.

In some embodiments, to prevent mid-stream out of service, the second resource may also include digital currency having a value greater than the prepaid resource value. In this way, the user prepays more digital money than expected, the service requirement of the user can be met, and the problem of service suspension caused by the fact that the prepayment digital money does not meet the actual service requirement is reduced.

In some embodiments, the first terminal may include a digital money wallet corresponding to the facilitator, and the second resource is transferred from the digital money wallet of the user terminal to the digital money wallet in the first terminal in step S240.

In some embodiments, the first terminal may include a receiving unit of a digital money wallet corresponding to the facilitator, and the second resource is transferred from the digital money wallet of the user terminal to the digital money wallet corresponding to the facilitator through the receiving unit of the first terminal in step S240.

In some embodiments, the first terminal may transfer to the second resource using a variety of forms of payment collection, for example, the first terminal may transfer to the second resource using a payment collection unit.

Wherein the payment receiving unit may include a two-dimensional code associated with a digital wallet of a merchant. The first terminal may also scan the user terminal for transferring to the second resource by using the scanning device. The first terminal can also transfer to the second resource in a short-distance contact or non-contact mode with the user terminal. The first terminal may also transfer the digital money from the digital money wallet corresponding to the identification information to the second resource using a proprietary network of digital money. In the embodiment of the application, the first terminal collection mode is not limited.

In some embodiments, after transferring the second resource corresponding to the prepaid resource value from the digital currency wallet at step 240, the method may further include the following steps.

And step S250a, sending payment transaction success information to the server under the condition that the second resource is successfully transferred.

Here, the payment transaction success information is used to indicate that the transfer from the digital wallet of the user terminal to the second resource was successful. And after the first terminal determines that the second resource is successfully transferred, the first terminal sends payment transaction success information to the server. The payment transaction success message includes the transaction number and identification information of the digital wallet of the user terminal. The payment transaction success message also includes a resource value corresponding to the second resource.

For example, the energy supply device is integrated with a first terminal having a function of collecting and paying digital money, and before the energy supply is started, the user terminal initiates payment transaction information for prepaid resource value (i.e., prepaid) to the first terminal, and after the first terminal receives the payment transaction information, the digital money corresponding to the prepaid resource value is transferred from the digital wallet of the user terminal.

For example, a first terminal having a digital money receiving and paying function is integrated with a shared article or a shared article, before the shared service is started, a user terminal issues payment transaction information for a prepaid resource value (i.e., prepaid) to the first terminal, and after the first terminal receives the payment transaction information, the digital money corresponding to the prepaid resource value is transferred from a digital wallet of the user terminal. The shared articles can include articles sharing shared items such as vehicles, wardrobes, massage chairs and charge pencils.

For example, a first terminal having a digital money receiving and paying function is integrated in a house facility, a user terminal initiates payment transaction information for a prepaid resource value (i.e., prepaid) to the first terminal before a house rental starts, and the first terminal transfers digital money corresponding to the prepaid resource value from a digital wallet of the user terminal after receiving the payment transaction information.

For example, a first terminal having a digital money receiving and paying function is integrated in a car, a user terminal issues payment transaction information for a prepaid resource value (i.e., prepaid) to the first terminal before car rental starts, and the first terminal transfers digital money corresponding to the prepaid resource value from a digital wallet of the user terminal after receiving the payment transaction information.

For example, a first terminal having a digital money receiving/paying function is integrated in a metering device, a user terminal issues payment transaction information for a prepaid resource value (i.e., prepaid) to the first terminal before metering starts, and the first terminal transfers digital money corresponding to the prepaid resource value from a digital wallet of the user terminal after receiving the payment transaction information. Wherein, metering device can include thing networking water gauge, thing networking gas meter and thing networking ammeter etc..

For example, a first terminal having a digital money receiving/paying function is integrated in an entertainment facility, a user terminal issues payment transaction information for prepaid resource value (i.e., prepaid) to the first terminal before service starts, and the first terminal transfers digital money corresponding to the prepaid resource value from a digital wallet of the user terminal after receiving the payment transaction information. The entertainment facilities may include, among others, entertainment facilities of a grocery bar, entertainment facilities of a private cinema, and entertainment facilities of an amusement park.

For example, a first terminal having a digital money receiving and paying function is integrated in a vending machine, a user terminal issues payment transaction information for a prepaid resource value (i.e., prepaid) to the first terminal before purchase is started, and the first terminal transfers digital money corresponding to the prepaid resource value from a digital wallet of the user terminal after receiving the payment transaction information.

For example, a first terminal having a digital money receiving and paying function is integrated in a cafeteria system, a user terminal initiates payment transaction information for a prepaid resource value (i.e., prepaid) to the first terminal before a meal is started, and the first terminal transfers digital money corresponding to the prepaid resource value from a digital wallet of the user terminal after receiving the payment transaction information.

For example, a first terminal having a digital money receiving and paying function is integrated in a drinking water vending machine, before water reception is started, a user terminal initiates payment transaction information for a prepaid resource value (i.e., prepaid) to the first terminal, and after the first terminal receives the payment transaction information, digital money corresponding to the prepaid resource value is transferred from a digital wallet of the user terminal.

And step S250b, sending control information to the second terminal to enable the second terminal to be in a working state when the second resource is successfully transferred.

Here, the first terminal transmits the control information to the second terminal when confirming that the transition to the second resource is successful. And the second terminal starts to work after receiving the control information and provides the required service.

In some embodiments, after transferring the second resource corresponding to the prepaid resource value from the digital currency wallet at step 240, the method may further comprise:

and step S250c, sending payment transaction success information to the server and sending control information to the second terminal under the condition that the second resource is successfully transferred, so that the second terminal is in a working state.

In some embodiments, to facilitate roll-out of the first resource, step S220, roll-in of the first resource corresponding to the refund resource value to the digital currency wallet corresponding to the identification information includes:

and transferring the first resource to the digital money wallet corresponding to the identification information according to the type of the digital money wallet.

Here, the types of digital money wallets may include a software wallet and a hardware wallet. The hardware wallet corresponds to a software wallet, and the software wallet is communicated with the hardware wallet.

In some embodiments, where the digital money wallet comprises a software wallet, the first terminal looks up the software wallet corresponding to the identification information over the digital money network, and transfers digital money corresponding to the refunded resource value to the software wallet.

Here, in the case where the digital money wallet includes a software wallet. The first terminal can carry out online transaction, the first terminal in the online transaction state searches the software wallet corresponding to the identification information through the proprietary network of the resource, and transfers the resource corresponding to the refund resource value to the software wallet.

In some embodiments, where the digital currency wallet comprises a hardware wallet, the first terminal in an offline transaction looks up the hardware wallet corresponding to the identification information using the short-range communication network, and transfers digital currency corresponding to the refunded resource value to the hardware wallet.

Here, in the case where the digital money wallet includes a hardware wallet. The first terminal can carry out off-line transaction, and the first terminal in the off-line transaction state searches the hardware wallet corresponding to the identification information by using the short-distance communication network and transfers the resource corresponding to the refund resource value to the hardware wallet.

The short-range communication network may include various short-range communication means networks such as a radio frequency communication network, a bluetooth communication network, an infrared communication network, and a wireless interconnected communication network. The radio frequency Communication network may include Near Field Communication (NFC).

In some embodiments, to facilitate transfer to a second resource, step S240, transferring from the digital money wallet to a second resource corresponding to the prepaid resource value, comprises:

and transferring the digital money wallet corresponding to the identification information to the second resource according to the type of the digital money wallet.

In some embodiments, where the digital money wallet comprises a hardware wallet, the first terminal looks up the hardware wallet corresponding to the identification information using the short-range communication network and transfers digital money corresponding to the prepaid resource value from the hardware wallet.

Here, in the case where the digital money wallet includes a hardware wallet. The first terminal can perform an offline transaction, and the first terminal in the offline transaction state searches the software wallet corresponding to the identification information through the private network of the resource and transfers the resource corresponding to the prepaid resource value from the software wallet.

In some embodiments, where the digital money wallet comprises a software wallet, the first terminal looks up the software wallet corresponding to the identification information over a digital money network and transfers digital money corresponding to the prepaid resource value from the software wallet.

Here, in the case where the digital money wallet includes a software wallet. The first terminal can carry out online transaction, and the first terminal in the online transaction state searches the software wallet corresponding to the identification information through the exclusive network of the resource and transfers the resource corresponding to the prepaid resource value from the software wallet.

Based on the same inventive concept as the digital currency based transaction system, the embodiment of the application also provides a digital currency based transaction method which is applied to the server. Fig. 3 is a flow chart of a digital currency based transaction method according to another embodiment of the present application. As shown in fig. 3, the method includes the following steps.

In step S310, the server receives the work information sent by the second terminal.

Here, the work information includes actual transaction information and a transaction number. The actual transaction information may include information of the actually used business service resources. The actually used traffic service resource information may include an amount of actually used traffic service resources or an actually used traffic service charge.

At step S320, a prepaid resource value corresponding to the transaction number is determined.

Here, the server stores in advance a correspondence relationship of the transaction number and the prepaid resource value. And the server searches the prepaid resource value corresponding to the transaction number according to the transaction number. The prepaid resource value may be a value of the first resource transferred from the digital wallet of the user terminal.

Step S330, comparing the prepaid resource value with the actual transferred resource value corresponding to the actual transaction information.

Here, the server determines an actual roll-out resource value based on the actual transaction information. The server compares the size of the prepaid resource value with the actual destaged resource value.

In some embodiments, the actual exported resource value may be a numerical value in digital currency corresponding to the actual used business service cost. The actual value of the exported resource may also be a numerical value of digital currency corresponding to the amount of the actually used business service resource.

In step S340, a refund resource value between the prepaid resource value and the actual roll-out resource value is calculated when the prepaid resource value is greater than the actual roll-out resource value.

Here, the server determines that the prepaid resource value is greater than the actual roll-out resource value, calculates a difference between the prepaid resource value and the actual roll-out resource value, and takes the difference as the refund resource value.

In some embodiments, in the event that the prepaid resource value is less than the value corresponding to the second resource, step S330 may be performed to compare the value corresponding to the second resource with the actual roll-out resource value corresponding to the actual transaction information.

Step S340 may be performed to calculate a refund resource value between the prepaid resource value and the actual destaged resource value if the value corresponding to the second resource is greater than the actual destaged resource value.

In step S350, resource refund information is generated and transmitted based on the refund resource value and the identification information of the digital money wallet corresponding to the transaction number.

Here, the resource refund information is used to indicate a resource refund operation. The resource refund information includes refund resource value and identification information of the digital money wallet. The server stores the transaction number and the identification information of the digital money wallet of the user terminal, and searches the digital money wallet of the identification information corresponding to the refund resource value according to the transaction number.

In the embodiment of the application, the server compares the prepaid resource value with the actual roll-out resource value, and generates the information indicating the resource refund operation under the condition that the prepaid resource value is larger than the actual roll-out value, so that the refund resource value can be obtained without initiating a refund request to a service provider, and the purposes of self-service refund without manual examination and self-service refund are achieved.

In some embodiments, in the event that the prepaid resource value is less than the value corresponding to the second resource, step S340 may be performed to compare the value corresponding to the second resource with the actual roll-out resource value corresponding to the actual transaction information.

Step S350 may be performed to calculate a refund resource value between the prepaid resource value and the actual destaged resource value if the value corresponding to the second resource is greater than the actual destaged resource value.

In some embodiments, after the server determines the prepaid resource value corresponding to the transaction number at step S320, the method further comprises:

and the server generates maximum service resource information according to the prepaid resource value, wherein the maximum service resource information comprises the maximum service resource value provided when the second terminal stops working.

Here, the server calculates a maximum value of the service resources of the service that the second terminal can provide, based on the prepaid resource value. And under the condition that the service provided by the second terminal reaches the maximum service resource value, the second terminal stops working.

In some embodiments, in order that the actual transferred resource value does not exceed the prepaid resource value, before the server receives the operation information transmitted by the second terminal at step S310, the method further includes:

and step S360, the second terminal determines the actual output resource value according to the actual service volume.

In step S370, the second terminal determines that the prepaid resource value in the control information is equal to the actual roll-out resource value, and switches from the active mode to the inactive mode.

In some embodiments, before the server receives the working information sent by the second terminal in step S310, the method further includes:

in step S380, the second terminal may switch from the operation mode to the stop operation mode when receiving the instruction to stop operation.

Step S390, the second terminal determines the actual value of the exported resource according to the actual service volume.

In some embodiments, before receiving the operation information sent by the second terminal in step S310, the method further includes:

in step S3010, payment transaction success information is received.

Here, the payment transaction success information is used to indicate that the transfer into the second resource corresponding to the prepaid resource value was successful. The payment transaction success message includes the transaction number and identification information of the digital wallet of the user terminal. The payment transaction success message may also include a resource value corresponding to the second resource.

In some embodiments, the second resource includes digital currency having a value equal to the prepaid resource value. The second resource may also include digital currency having a value greater than the prepaid resource value.

And step S3020, sending control information to the second terminal based on the payment transaction success information so that the second terminal is in the working mode.

Here, the control information is used to instruct the second terminal to start providing the service. And the server receives the payment transaction success information and determines a second terminal corresponding to the transaction number according to the transaction number in the payment transaction success information. And the server sends the control information to the second terminal, and the second terminal receives the control information and starts to provide service for the user.

In some embodiments, the method further comprises the following steps before receiving payment transaction success information at step S370.

Step S3030 receives the transaction request information.

Here, the transaction request information may include a transaction type. The transaction request information may be determined according to the type of transaction entered. The transaction type may include business service information, may also include business service volume, and may also include other transaction information.

In some embodiments, the server may receive the transaction request information sent by the second terminal. And can also receive transaction request information sent by the user terminal. The server can also receive transaction request information sent by other working terminals.

For example, when the user performs self-service fueling, the user inputs a desired fuel type, a fueling amount or a fueling upgrade (i.e., a transaction type) on the second terminal or the mobile terminal. And the second terminal or the mobile terminal generates transaction request information according to the transaction type and sends a transaction request to the server.

Step S3040 generates a prepaid resource value and a transaction number based on the transaction type.

Step S3050, based on the prepaid resource value and the transaction number, transaction information is generated and transmitted.

Here, the transaction information may be sent to the user terminal, or may be sent to the first terminal or the second terminal, and displayed to the user.

Based on the same inventive concept as the transaction system based on the digital currency, the embodiment of the application also provides a transaction method based on the digital currency, which is applied to a self-service refueling scene. The second terminal may be a fuel dispenser and associated auxiliary equipment for example.

In practical applications, the applicant adds a digital money receiving apparatus having a digital money receiving and paying function to the existing gas station apparatus. And the internal software system of the existing gas station is modified, and the digital currency collection device is integrated with the internal system, so that the purpose of self-service refueling is realized. The digital money receiving device may be provided at the first terminal. Here, the first terminal may be the same device as the second terminal.

Fig. 4 is a flow chart of a digital currency based transaction method according to yet another embodiment of the present application. As shown in fig. 4, the digital money-based transaction method includes the following steps.

In step S410, the payment management system obtains the transaction type selected by the user.

Here, the transaction type includes the expected transaction amount, and may also include oil transaction information. The oil transaction information may include expected fueling information, such as oil type and expected fueling quantity, or fueling quantity.

In some embodiments, the user may select the transaction type at the first terminal, the second terminal, or other terminal. There is no limitation on how the user selects the transaction type.

In step S420, the payment management system calculates a prepaid amount (i.e., prepaid resource value) according to the transaction type, and generates and transmits transaction information.

Step S430, according to the received transaction information, the digital money wallet of the user terminal performs a payment transaction with the digital money receiving apparatus in the gas station.

In step S440, the digital money receiving apparatus completes the money receiving transaction through the digital money network, and accepts and records the digital money wallet ID (i.e., identification information of the digital money wallet) of the user terminal through the digital money network.

And step S450, after the digital currency collection device confirms that the payment is successful, the payment transaction success information is returned to the payment management system.

Here, the payment management system saves the associated ID and the prepaid amount and starts providing the user with the fueling service. For example, the digital money wallet DC1 of the user terminal, which corresponds to a prepaid amount P1. And the payment management system correspondingly stores the received digital currency wallet ID and the payment transaction information, so that the oil gun code and the digital currency wallet ID are correspondingly stored.

In addition, after the digital money receiving apparatus confirms the success of the payment, the payment transaction success information is returned to the payment management system. The payment management system saves the associated ID and the prepaid amount and notifies the fueling gun corresponding to the code to begin providing fueling services to the user.

At step S460, for the user terminal of the digital money wallet with ID DC1, when the amount corresponding to the final actual fuel amount of the fuel dispenser (i.e., the second terminal) is equal to the prepaid P1, the fuel dispenser is ended.

Step S470 is to calculate the difference X between the actual fueling amount (i.e. the actual roll-out resource value) and the prepaid amount (i.e. the refund resource value) when the fueling gun automatically stops fueling due to the top-up or other reasons and the amount of money generated by the actual fueling is smaller than the prepaid P1 for the user corresponding to DC1, and generate refund information based on the calculated amount of money.

Step S480, according to the refund information, the digital money receiving apparatus searches the corresponding digital money wallet on the digital money network through the digital money wallet ID in the refund information.

Here, the refund information includes the digital money ID and the amount of money to be refunded by the ID is transmitted to the digital money receiving apparatus.

At step S490, the digital money receiving apparatus pays X to the digital money wallet having ID DC1 through the digital money network.

In some embodiments, the fueling gun (i.e., the second terminal) has a dedicated corresponding digital currency collection device, and the fueling gun directly drives the corresponding digital currency collection device to collect currency through the payment management system.

In some embodiments, if the digital currency first payment device is common to multiple fueling guns, the user needs to input a fueling gun code on the digital currency collection device, and the digital currency collection device obtains the amount of money to be paid by the user previously calculated on the fueling guns by communicating with the payment management system and prompts the user to complete a collection transaction.

Based on the digital currency-based transaction method provided by the embodiment, correspondingly, the application also provides a specific implementation mode of the digital currency-based transaction device. Please see the examples below.

Referring to fig. 5, the digital currency based transaction apparatus provided in the embodiment of the present application is applied to a first terminal. The digital currency based transaction apparatus 500 includes: a first information receiving module 510 and a roll-out module 520.

A first information receiving module 510 configured to perform receiving resource fallback information indicating a resource fallback operation. The resource refund information includes refund resource value and identification information of the digital money wallet. The refund resource value is determined by the prepaid resource value and the actual transaction fee, and the actual roll-out resource value is determined according to the actually used business service resource information.

A roll-out module 520 configured to perform a roll-in of a first resource corresponding to a refund resource value to a digital currency wallet corresponding to the identification information.

In some embodiments, the apparatus 500 further comprises: and (6) transferring to a module.

The first information receiving module 510 is further configured to perform receiving payment transaction information indicating a transfer-in-resource operation. The payment transaction information includes transaction information, and identification information of the digital currency wallet.

An transfer-in module further configured to perform a transfer-in of a second resource corresponding to the prepaid resource value from the digital currency wallet.

In some embodiments, the apparatus 500 further comprises: a first sending module.

And the first sending module is configured to send payment transaction success information to the server under the condition that the transfer to the second resource is successful, and/or send control information to the second terminal under the condition that the transfer to the second resource is successful, so that the second terminal is in a working state.

In some embodiments, the transfer-out module 520 is specifically configured to perform a transfer-out of the first resource to a digital money wallet corresponding to the identification information, depending on the type of digital money wallet.

In some embodiments, the transfer module is further specifically configured to perform a transfer of the second resource from the digital money wallet corresponding to the identification information according to a type of the digital money wallet.

In some embodiments, the roll-out module 520 includes a first roll-out submodule and a second roll-out submodule.

A first transfer sub-module configured to perform, in a case where the digital money wallet includes a hardware wallet, the first terminal searching for the hardware wallet corresponding to the identification information using the short-range communication network, and transferring the digital money corresponding to the refund resource value to the hardware wallet.

In some embodiments, roll-out module 520 also includes a second roll-out submodule.

And a second transfer-out sub-module configured to perform, in a case where the digital money wallet includes a software wallet, the first terminal searching for the software wallet corresponding to the identification information through the digital money network, and transferring the digital money corresponding to the refund resource value to the software wallet.

In some embodiments, the transfer-in module comprises a first transfer-in submodule.

A first transfer sub-module configured to perform, in a case where the digital money wallet includes a hardware wallet, the first terminal searching for the hardware wallet corresponding to the identification information using the short-range communication network, and transferring the digital money corresponding to the prepaid resource value from the hardware wallet.

In some embodiments, the transfer-in module further comprises a second transfer-in submodule.

And a second transfer sub-module configured to perform, in a case where the digital money wallet includes a software wallet, the first terminal searching for the software wallet corresponding to the identification information through the digital money network, and transferring the digital money corresponding to the prepaid resource value from the software wallet.

Fig. 6 is a schematic structural diagram of a digital currency based transaction device according to another embodiment of the present application. Referring to fig. 6, the digital currency based transaction apparatus 600 provided in the embodiment of the present application is applied to a server, and the apparatus 600 includes: a second information receiving module 610, a resource determining module 620, a resource comparing module 630, a resource calculating module 640, a generating module 650, and a transmitting module 660.

And a second information receiving module 610 configured to perform receiving the working information transmitted by the second terminal. The working information includes actual transaction information and a transaction number.

A resource determination module 620 configured to perform determining a prepaid resource value corresponding to the transaction number.

A resource comparison module 630 configured to perform a comparison between the prepaid resource value and an actual roll-out resource value corresponding to the actual transaction information, the actual roll-out resource value being determined according to actually used business service resource information in the actual transaction information.

A resource calculation module 640 configured to perform calculating a refund resource value between the prepaid resource value and the actual roll-out resource value if the prepaid resource value is greater than the actual roll-out resource value.

A generating module 650 configured to perform generating the resource refund information based on the identification information of the digital money wallet corresponding to the refund resource value and the transaction number. The resource fallback information is used to indicate a resource fallback operation.

A transmitting module 660 configured to perform transmitting the resource fallback information.

In some embodiments, the generating module 650 is further configured to execute the server to generate maximum traffic service resource information according to the prepaid resource value, where the maximum traffic service resource information includes a maximum traffic service resource value provided when the second terminal stops operating.

A transmitting module 660 configured to perform transmitting the maximum traffic service resource information to the second terminal.

In some embodiments, the transmitting module 660 is further configured to perform transmitting information indicating completion of the transaction if the prepaid resource value equals the actual roll-out resource value after comparing the prepaid resource value to the actual roll-out resource value corresponding to the actual transaction information.

In some embodiments, the second information receiving module 610 is further configured to perform receiving payment transaction success information before said receiving the work information sent by the second terminal. The payment transaction success information is used to indicate that the transfer into the second resource corresponding to the prepaid resource value was successful.

The sending module 660 is further configured to execute sending control information to the second terminal based on the payment transaction success information, so that the second terminal is in the working mode.

In some embodiments, the second information receiving module 610 is further configured to perform receiving the transaction request information before receiving the payment transaction success information. The transaction request information includes a transaction type.

The generation module 650 is further configured to perform generating the prepaid resource value and the transaction number based on the transaction type. And further configured to perform generating transaction information based on the prepaid resource value and the transaction number.

The sending module 660 is further configured to perform sending the transaction information.

As shown in fig. 7, a computer device may include a processor 701 and a memory 702 storing computer program instructions.

Specifically, the processor 701 may include a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement the embodiments of the present Application.

Memory 702 may include a mass storage for data or instructions. By way of example, and not limitation, memory 702 may include a Hard Disk Drive (HDD), a floppy Disk Drive, flash memory, an optical Disk, a magneto-optical Disk, tape, or a Universal Serial Bus (USB) Drive or a combination of two or more of these. In one example, memory 702 may include removable or non-removable (or fixed) media, or memory 702 is non-volatile solid-state memory.

In one example, the Memory 702 may be a Read Only Memory (ROM). In one example, the ROM may be mask programmed ROM, programmable ROM (prom), erasable prom (eprom), electrically erasable prom (eeprom), electrically rewritable ROM (earom), or flash memory, or a combination of two or more of these.

Memory 702 may include Read Only Memory (ROM), Random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors), it is operable to perform operations described with reference to the methods according to an aspect of the present disclosure.

The processor 701 reads and executes the computer program instructions stored in the memory 702 to implement the method/steps in the embodiment shown in fig. 2, and achieve the corresponding technical effect achieved by the embodiment shown in fig. 2 executing the method/steps, which is not described herein again for brevity.

In one example, the computer may also include a communication interface 703 and a bus 710. As shown in fig. 7, the processor 701, the memory 702, and the communication interface 703 are connected by a bus 710 to complete mutual communication.

The communication interface 703 is mainly used for implementing communication between modules, apparatuses, units and/or devices in this embodiment of the application.

The bus 710 comprises hardware, software, or both to couple the components of the first terminal to each other. By way of example, and not limitation, a Bus may include an Accelerated Graphics Port (AGP) or other Graphics Bus, an Enhanced Industry Standard Architecture (EISA) Bus, a Front-Side Bus (Front Side Bus, FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) Bus, an infiniband interconnect, a Low Pin Count (LPC) Bus, a memory Bus, a Micro Channel Architecture (MCA) Bus, a Peripheral Component Interconnect (PCI) Bus, a PCI-Express (PCI-X) Bus, a Serial Advanced Technology Attachment (SATA) Bus, a video electronics standards association local (VLB) Bus, or other suitable Bus or a combination of two or more of these. Bus 710 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the application, any suitable buses or interconnects are contemplated by the application.

The computer device may perform the digital currency based transaction method in the embodiments of the present application based on a digital currency wallet, thereby implementing the transaction method and apparatus described in conjunction with fig. 2, 4, and 5.

As shown in fig. 8, the server may include a processor 801 and a memory 802 that stores computer program instructions.

Specifically, the processor 801 may include a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement the embodiments of the present Application.

Memory 802 may include mass storage for data or instructions. By way of example, and not limitation, memory 802 may include a Hard Disk Drive (HDD), a floppy Disk Drive, flash memory, an optical Disk, a magneto-optical Disk, a tape, or a Universal Serial Bus (USB) Drive or a combination of two or more of these. In one example, memory 602 may include removable or non-removable (or fixed) media, or memory 702 is non-volatile solid-state memory. The memory 802 may be internal or external to the integrated gateway disaster recovery device.

In one example, the Memory 802 may be a Read Only Memory (ROM). In one example, the ROM may be mask programmed ROM, programmable ROM (prom), erasable prom (eprom), electrically erasable prom (eeprom), electrically rewritable ROM (earom), or flash memory, or a combination of two or more of these.

The memory 802 may include Read Only Memory (ROM), Random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors), it is operable to perform operations described with reference to the methods according to an aspect of the present disclosure.

The processor 801 reads and executes the computer program instructions stored in the memory 802 to implement the method/steps in the embodiment shown in fig. 3, and achieve the corresponding technical effects achieved by the embodiment shown in fig. 3 executing the method/steps, which are not described herein again for brevity.

In one example, the server can also include a communication interface 803 and bus 810. As shown in fig. 8, the processor 801, the memory 802, and the communication interface 803 are connected via a bus 810 to complete communication therebetween.

The communication interface 803 is mainly used for implementing communication between modules, apparatuses, units and/or devices in the embodiments of the present application.

The bus 810 includes hardware, software, or both to couple the components of the first terminal to each other. By way of example, and not limitation, a Bus may include an Accelerated Graphics Port (AGP) or other Graphics Bus, an Enhanced Industry Standard Architecture (EISA) Bus, a Front-Side Bus (Front Side Bus, FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) Bus, an infiniband interconnect, a Low Pin Count (LPC) Bus, a memory Bus, a Micro Channel Architecture (MCA) Bus, a Peripheral Component Interconnect (PCI) Bus, a PCI-Express (PCI-X) Bus, a Serial Advanced Technology Attachment (SATA) Bus, a video electronics standards association local (VLB) Bus, or other suitable Bus or a combination of two or more of these. Bus 810 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the application, any suitable buses or interconnects are contemplated by the application.

The server may perform the digital money based transaction method in the embodiments of the present application based on the digital money wallet, thereby implementing the transaction method and apparatus described in conjunction with fig. 3, 4, and 6.

In addition, in combination with the digital currency-based transaction method in the above embodiments, the embodiments of the present application may provide a computer storage medium to implement. The computer storage medium having computer program instructions stored thereon; the computer program instructions, when executed by the processor, implement any of the digital currency based transaction methods of the embodiments described above.

Furthermore, in combination with the digital currency based transaction method in the above embodiments, the present application may provide a computer program product comprising a computer program or instructions, wherein the computer program or instructions, when executed by a processor, implement any of the digital currency based transaction methods in the above embodiments.

It is to be understood that the present application is not limited to the particular arrangements and instrumentality described above and shown in the attached drawings. A detailed description of known methods is omitted herein for the sake of brevity. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications, and additions or change the order between the steps after comprehending the spirit of the present application.

The functional blocks shown in the above-described structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic Circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the present application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include electronic circuits, semiconductor memory devices, ROM, flash memory, Erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, Radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.

It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed simultaneously.

Aspects of the present disclosure are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the disclosure. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware for performing the specified functions or acts, or combinations of special purpose hardware and computer instructions.

As described above, only the specific embodiments of the present application are provided, and it can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the system, the module and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present application, and these modifications or substitutions should be covered within the scope of the present application.

Claims

1. A digital currency based transaction method, applied to a first terminal, the method comprising:

receiving resource refund information for instructing a refund resource operation, the resource refund information including a refund resource value and identification information of a digital money wallet, the refund resource value being determined by a prepaid resource value and an actual roll-out resource value, the actual roll-out resource value being determined according to actually used business service resource information;

2. The method of claim 1, wherein prior to said receiving resource fallback information indicating to fallback resource operations, the method further comprises:

receiving payment transaction information for indicating a transfer-in resource operation, wherein the payment transaction information comprises transaction information and identification information of a digital currency wallet;

3. The method of claim 1, wherein after said transferring from the digital money wallet to a second resource corresponding to the prepaid resource value, the method further comprises:

under the condition that the second resource is transferred successfully, sending payment transaction success information to a server;

4. The method of claim 1 or 2, wherein said transferring into a digital currency wallet corresponding to said identification information a first resource corresponding to said refunded resource value comprises:

5. The method of claim 2, wherein said transferring from the digital money wallet to a second resource corresponding to the prepaid resource value comprises:

transferring the second resource from the digital money wallet corresponding to the identification information according to the type of the digital money wallet.

6. The method of claim 4, wherein the transferring the first resource to the digital money wallet corresponding to the identification information according to a type of the digital money wallet comprises:

in the case where the digital money wallet includes a hardware wallet, the first terminal searches for a hardware wallet corresponding to the identification information using a short-range communication network, and transfers digital money corresponding to the refund resource value to the hardware wallet;

7. The method of claim 5, wherein transferring from the digital money wallet corresponding to the identification information to the second resource according to the type of digital money wallet comprises:

in a case where the digital money wallet includes a hardware wallet, the first terminal searches for a hardware wallet corresponding to the identification information using a short-range communication network, and transfers digital money corresponding to the prepaid resource value from the hardware wallet;

8. A digital currency based transaction method applied to a server, the method comprising:

receiving working information sent by a second terminal, wherein the working information comprises actual transaction information and a transaction number;

determining a prepaid resource value corresponding to the transaction number;

comparing the prepaid resource value with an actual transfer-out resource value corresponding to the actual transaction information, wherein the actual transfer-out resource value is determined according to the actually used service resource information in the actual transaction information;

calculating a refund resource value between the prepaid resource value and the actual roll-out resource value if the prepaid resource value is greater than the actual roll-out resource value;

9. The method of claim 8, wherein after the server determines the prepaid resource value corresponding to the transaction number, the method further comprises:

10. The method of claim 8, wherein after said comparing said prepaid resource value to an actual roll-out resource value corresponding to said actual transaction information, said method further comprises:

transmitting information indicating completion of the transaction if the prepaid resource value equals the actual roll-out resource value.

11. The method according to claim 8, wherein before said receiving the operation information sent by the second terminal, the method further comprises:

receiving payment transaction success information, wherein the payment transaction success information is used for indicating that the transfer-in of a second resource corresponding to the prepaid resource value is successful;

12. The method of claim 11, wherein prior to said receiving payment transaction success information, the method further comprises:

receiving transaction request information, wherein the transaction request information comprises a transaction type;

generating a prepaid resource value and a transaction number based on the transaction type;

13. A digital currency based transaction apparatus for use with a first terminal, the apparatus comprising:

a first information receiving module configured to perform receiving resource refund information indicating a resource refund operation, the resource refund information including a refund resource value and identification information of a digital money wallet, the refund resource value being determined by a prepaid resource value and an actual roll-out resource value, the actual roll-out resource value being determined according to actually used business service resource information;

14. A digital currency based transaction apparatus, for use with a server, the apparatus comprising:

the second information receiving module is configured to execute receiving of working information sent by a second terminal, and the working information comprises actual transaction information and a transaction number;

a resource determination module configured to perform determining a prepaid resource value corresponding to the transaction number;

a resource comparison module configured to perform a comparison between the prepaid resource value and an actual roll-out resource value corresponding to the actual transaction information, the actual roll-out resource value being determined according to actually used business service resource information in the actual transaction information;

a resource calculation module configured to perform calculating a refund resource value between the prepaid resource value and the actual roll-out resource value if the prepaid resource value is greater than the actual roll-out resource value;

a generation module configured to execute generating resource refund information based on the refund resource value and identification information of the digital money wallet corresponding to the transaction number, the resource refund information indicating a resource refund operation;

15. The apparatus of claim 14, wherein the first terminal is integrated with the second terminal.

16. A computer device, the device comprising:

a processor;

a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the instructions to implement the digital currency based transaction method of any one of claims 1 to 7.

17. A server, characterized in that the server comprises:

a processor;

a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the instructions to implement the digital currency based transaction method of any one of claims 8 to 12.

18. A computer storage medium having computer program instructions stored thereon which, when executed by a processor, implement the digital currency based transaction method of any one of claims 1 to 7 and the digital currency based transaction method of any one of claims 8 to 12.

19. A computer program product comprising a computer program or instructions, wherein the computer program or instructions, when executed by a processor, implement the digital currency based transaction method of any one of claims 1 to 7 and the digital currency based transaction method of any one of claims 8 to 12.