CN113706138A - Payment method, device, equipment and storage medium based on digital currency hard wallet - Google Patents
Payment method, device, equipment and storage medium based on digital currency hard wallet Download PDFInfo
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- CN113706138A CN113706138A CN202111258899.3A CN202111258899A CN113706138A CN 113706138 A CN113706138 A CN 113706138A CN 202111258899 A CN202111258899 A CN 202111258899A CN 113706138 A CN113706138 A CN 113706138A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
Abstract
The invention discloses a payment method, a payment device, payment equipment and a storage medium based on a digital currency hard wallet, and belongs to the technical field of digital currency payment. When transaction information is acquired, the corresponding industry application is determined by extracting the industry application information in the transaction information, so that the corresponding digital currency application is selected, the expense of the transaction is calculated, payment is completed through the digital currency application and the transaction expense, and the hard wallet with the digital currency sharing function of a plurality of industry applications is realized by searching the corresponding industry application, so that the payment sharing of the digital currency hard wallet among various industries is met.
Description
Technical Field
The invention relates to the technical field of digital currency payment, in particular to a payment method, a payment device, payment equipment and a storage medium based on a digital currency hard wallet.
Background
The existing digital currency hard wallet coexistence comprises multiple applications, a plurality of independent industry applications parallel to the digital currency hard wallet application are generally adopted, each industry application is provided with an independent wallet, only corresponding industry payment is supported, when the wallet is used, the function of each application can be started only by carrying out loading operation on the independent hard wallet of each application, and only the digital currency in the digital currency hard wallet can pass through a background payment system and can be paid only by loading the digital currency in other application wallets, and the wallet with a single digital currency function cannot meet the payment requirements of each industry application.
The above is only for the purpose of assisting understanding of the technical aspects of the present invention, and does not represent an admission that the above is prior art.
Disclosure of Invention
The invention mainly aims to provide a payment method, a payment device, payment equipment and a storage medium based on a digital currency hard wallet, and aims to solve the technical problem that the payment of the digital currency hard wallet cannot be shared among various industries in the prior art.
To achieve the above object, the present invention provides a payment method based on a digital currency hard wallet, comprising the steps of:
when transaction information is acquired, industry application information in the transaction information is extracted, and the industry application information is sent to a preset server, so that the preset server determines and feeds back corresponding digital currency application according to the industry application information;
receiving the digital currency application fed back by the preset server;
calculating transaction cost according to the industry application information;
completing payment according to the transaction fee and the digital currency application.
Optionally, the calculating a transaction fee according to the industry application information includes:
acquiring a deduction record and a discount identifier in the industry application information;
calculating a basic price according to the fee deduction record;
calculating discount information according to the discount identifier;
and calculating transaction cost according to the basic price and the preferential discount information.
Optionally, after receiving the digital currency application fed back by the preset server, the method further includes:
sending an instruction for reading the digital money wallet, so that the preset server reads the digital money wallet according to the instruction, and inquiring and feeding back the balance of the digital money wallet;
and receiving the balance of the digital currency wallet fed back by the preset server.
Optionally, said completing payment in accordance with said transaction fee and said digital currency application comprises:
comparing the transaction fee to a balance of the digital currency wallet;
when the transaction cost is less than the balance, performing security authentication on the industry application information, calculating a security authentication data ciphertext, and sending the security authentication data ciphertext to the preset server, so that the preset server performs verification on the security authentication data ciphertext and feeds back a verification result;
when the check result is correct, calculating safety message data according to the digital currency application and sending the safety message data to the preset server so that the preset server can judge the safety authority according to the safety message data, update the balance of the digital currency wallet and feed back update information;
and completing payment based on the updated information.
Optionally, the calculating security message data according to the digital currency application and sending the security message data to the preset server, so that the preset server performs security authority judgment according to the security message data, updates a balance of the digital currency wallet, and feeds back update information, includes:
calculating safety message data according to the digital currency application and sending the safety message data to the preset server so that the preset server receives the safety message data and judges the safety authority of the safety message data;
when the security authority of the security message data is allowed to be changed, verifying the security message data;
and when the safety message data is correctly checked, updating the industry application information and the balance of the digital currency wallet according to the safety message data, and feeding back updated information.
Optionally, when the transaction information is acquired, extracting industry application information in the transaction information, and sending the industry application information to a preset server, so that the preset server determines and feeds back a corresponding digital currency application according to the industry application information, where the method includes:
determining corresponding industry application according to the industry application information and sending the industry application to the preset server so that the preset server retrieves a preset industry application table according to the industry application, and feeding back retrieval information when the industry application is located in the preset industry application table;
and reading the industry application information file according to the retrieval information so that the preset server determines the corresponding digital currency application based on the industry application information file.
Optionally, the reading the industry application information file according to the retrieval information to enable the preset server to determine the corresponding digital currency application based on the industry application information file includes:
and sending a retrieval instruction to the preset server based on the industry application information file so that the preset server retrieves the industry application information file according to the retrieval instruction, reads the industry application information file data, determines the corresponding digital currency application according to the read information and feeds back the digital currency application.
In addition, to achieve the above object, the present invention also proposes a digital money hard wallet-based payment apparatus, comprising:
the extraction module is used for extracting industry application information in the transaction information when the transaction information is acquired, and sending the industry application information to a preset server so that the preset server determines and feeds back corresponding digital currency application according to the industry application information;
the receiving module is used for receiving the digital currency application fed back by the preset server;
the calculation module is used for calculating transaction cost according to the industry application information;
and the payment module is used for finishing payment according to the transaction fee and the digital currency application.
Further, to achieve the above object, the present invention also proposes a digital money hard wallet-based payment apparatus comprising: a memory, a processor, and a digital currency hard wallet-based payment program stored on the memory and executable on the processor, the digital currency hard wallet-based payment program configured to implement the steps of the digital currency hard wallet-based payment method as described above.
Further, to achieve the above object, the present invention also proposes a storage medium having stored thereon a digital money hard wallet-based payment program that realizes the steps of the digital money hard wallet-based payment method as described above when executed by a processor.
When transaction information is acquired, industry application information in the transaction information is extracted and sent to a preset server, so that the preset server determines and feeds back corresponding digital currency application according to the industry application information; receiving the digital currency application fed back by the preset server; calculating transaction cost according to the industry application information; completing payment according to the transaction fee and the digital currency application. The corresponding industry application is determined by extracting the industry application information in the transaction information, so that the corresponding digital currency application is selected, the cost of the transaction is calculated, payment is completed through the digital currency application and the transaction cost, the hard wallet with the digital currency function shared by a plurality of industry applications is realized by searching the corresponding industry application, and the payment sharing of the digital currency hard wallet among various industries is met.
Drawings
FIG. 1 is a schematic diagram of a digital currency hard wallet based payment device in a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a first embodiment of the payment method based on the digital currency hard wallet;
FIG. 3 is a schematic flow chart of a second embodiment of the digital currency wallet-based payment method of the present invention;
FIG. 4 is a flow chart of a third embodiment of the payment method based on the digital currency hard wallet;
FIG. 5 is a schematic overall flow chart of the payment method based on the digital currency hard wallet;
FIG. 6 is a flow chart of a fourth embodiment of the payment method based on the digital currency hard wallet;
FIG. 7 is a schematic diagram of a digital currency hard wallet based payment method industry application information file of the present invention;
fig. 8 is a block diagram showing the construction of a first embodiment of the digital money hard wallet-based payment apparatus according to the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Referring to fig. 1, fig. 1 is a schematic diagram of a digital currency hard wallet-based payment device in a hardware operating environment according to an embodiment of the present invention.
As shown in fig. 1, the digital currency hard wallet-based payment device may include: a processor 1001, such as a Central Processing Unit (CPU), a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a Wireless interface (e.g., a Wireless-Fidelity (Wi-Fi) interface). The Memory 1005 may be a Random Access Memory (RAM) Memory, or may be a Non-Volatile Memory (NVM), such as a disk Memory. The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the configuration shown in fig. 1 does not constitute a limitation of digital currency hard wallet-based payment devices, and may include more or fewer components than shown, or some components in combination, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a storage medium, may include therein an operating system, a network communication module, a user interface module, and a digital money hard wallet-based payment program.
In the digital currency hard wallet-based payment device shown in fig. 1, the network interface 1004 is mainly used for data communication with a network server; the user interface 1003 is mainly used for data interaction with a user; the processor 1001 and the memory 1005 of the digital money hard wallet-based payment device of the present invention may be provided in a digital money hard wallet-based payment device that calls a digital money hard wallet-based payment program stored in the memory 1005 through the processor 1001 and performs the digital money hard wallet-based payment method provided by the embodiment of the present invention.
The embodiment of the invention provides a payment method based on a digital currency hard wallet, and referring to fig. 2, fig. 2 is a flow chart of a first embodiment of the payment method based on the digital currency hard wallet.
In this embodiment, the payment method based on the digital currency hard wallet includes the following steps:
step S10: when transaction information is acquired, industry application information in the transaction information is extracted, and the industry application information is sent to a preset server, so that the preset server determines and feeds back corresponding digital currency application according to the industry application information.
It should be understood that the execution subject of the present embodiment is a terminal in an industrial application. The transaction information refers to information of the user when making payment, the payment information includes related industry application information, and the industry application information includes related information of the type of the industry where payment is currently made, such as a hospital industry, a school industry, and the like, which is not limited in this embodiment. When a user pays, the terminal extracts industry application information through payment information, for example, the user uses a digital currency hard wallet in hospital industry, when the user is in a subway, the user swipes a card through a digital currency hard wallet card to get in the station, and the terminal extracts corresponding industry application information according to the transaction information of the card swiping.
It should be noted that the preset server refers to a server of the digital currency application end, the terminal sends the extracted industry application information to the server of the digital currency application end, and the server retrieves and determines the corresponding digital currency application according to the industry application information after receiving the industry application information and feeds the digital currency application back to the terminal.
In specific implementation, if the digital currency hard wallet card is a payment hard wallet special for the hospital industry, when a user pays through the hard wallet of the hospital industry, the terminal sends extracted industry application information to a server of a digital currency application end, and the server determines corresponding digital currency application according to the information of the hospital industry and feeds the digital currency application back to the terminal.
Step S20: and receiving the digital currency application fed back by the preset server.
In this embodiment, the server of the digital currency hard wallet application determines a corresponding industry based on the received industry application information, retrieves a preset industry application table directory according to the stored industry directory name, reads file data of the industry application and determines a corresponding digital currency application when a consistent industry application is retrieved, sends the digital currency application to the terminal, and the terminal receives the digital currency application sent by the preset server and selects the digital currency application as a subsequent payment mode.
Step S30: and calculating transaction cost according to the industry application information.
It should be understood that the terminal obtains the industry application information file according to the industry application information. The transaction fee refers to the final deduction amount obtained by calculation according to the discount information, the related deduction information is obtained according to the industry application information file, and the final transaction fee is obtained by calculation according to the discount information.
In specific implementation, whether relevant preferential marks exist or not is searched according to corresponding industry application, if a user uses a hard wallet card of school industry application to board a subway, starting points and ending points of fee deduction are obtained according to the school industry application and basic price is calculated, preferential discount is calculated according to preferential marks, special travel marks and the like in an industry application information file searched according to the corresponding industry application, and final transaction cost is calculated.
Step S40: completing payment according to the transaction fee and the digital currency application.
It should be noted that, after the final transaction fee is calculated, the payment is made according to the selected digital currency application and the transaction fee, and the payment is completed.
In the embodiment, when transaction information is acquired, industry application information in the transaction information is extracted and sent to a preset server, so that the preset server determines and feeds back a corresponding digital currency application according to the industry application information; receiving the digital currency application fed back by the preset server; calculating transaction cost according to the industry application information; completing payment according to the transaction fee and the digital currency application. The corresponding industry application is determined by extracting the industry application information in the transaction information, so that the corresponding digital currency application is selected, the cost of the transaction is calculated, payment is completed through the digital currency application and the transaction cost, the hard wallet with the digital currency function shared by a plurality of industry applications is realized by searching the corresponding industry application, and the payment sharing of the digital currency hard wallet among various industries is met.
Referring to fig. 3, fig. 3 is a flowchart illustrating a digital currency hard wallet-based payment method according to a second embodiment of the present invention.
Based on the first embodiment described above, the payment method based on the digital currency hard wallet of the present embodiment further includes, after the step S20:
step S21: and sending an instruction for reading the digital money wallet, so that the preset server reads the digital money wallet according to the instruction, inquires the balance of the digital money wallet and feeds back the balance.
It should be noted that, after the terminal selects the corresponding digital currency application, it is determined that the balance of the selected digital currency application wallet can satisfy payment, and then an instruction for reading the digital currency wallet is sent, so that the server of the digital currency hard wallet returns the digital currency application catalog data according to the instruction, and inquires the balance of the digital currency wallet and sends the balance to the terminal.
Step S22: and receiving the balance of the digital currency wallet fed back by the preset server.
In a specific implementation, the terminal receives the digital money wallet balance sent by the digital money application server and reads the digital money wallet balance. For example, if the industry application determined according to the industry application information is hospital industry information, the digital currency hard wallet server reads the hospital industry file data according to the hospital industry information, enables the terminal to select the corresponding digital currency application capable of paying according to the hospital industry file data, and returns the corresponding digital currency application catalog data to read the balance in the digital currency application wallet.
In the embodiment, the preset server reads the digital money wallet according to the instruction by sending the instruction for reading the digital money wallet, and inquires and feeds back the balance of the digital money wallet; and sending an instruction for reading the digital money wallet, so that the preset server reads the digital money wallet according to the instruction, inquires the balance of the digital money wallet and feeds back the balance. By selecting the digital currency application on the basis of the industry application information file and reading the balance of the digital currency application, the digital currency wallet can be shared by a plurality of industry applications, the use is convenient, and the use effect of a user is improved.
Referring to fig. 4, fig. 4 is a flow chart illustrating a payment method based on the digital currency hard wallet according to a third embodiment of the present invention.
Based on the first and second embodiments, the step S40 of the payment method based on the digital currency hard wallet of this embodiment specifically includes:
step S401: comparing the transaction fee to a balance of the digital currency wallet.
It should be noted that, in order to avoid the situation that the balance in the digital money wallet is not sufficient for payment, the calculated transaction fee needs to be compared with the balance of the digital money wallet in real time.
Further, before comparing the transaction fee with the balance of the digital money wallet, a specific transaction fee needs to be calculated, and then the step of calculating the transaction fee according to the industry application information specifically includes: acquiring a deduction record and a discount identifier in the industry application information; calculating a basic price according to the fee deduction record; calculating discount information according to the discount identifier; and calculating transaction cost according to the basic price and the preferential discount information.
In specific implementation, the deduction record refers to deduction information when a user pays, and the transaction fee refers to final deduction amount calculated according to the discount information; the terminal obtains a deduction starting point and a deduction record of an end point in the payment information according to the industry information file, calculates a basic price of the transaction according to the starting point and the end point, inquires whether a discount identifier, a special trip mark and the like exist in the industry application information file on the basis of the price, calculates discount information according to the discount identifier and the special trip mark if the discount identifier or the special trip mark exists, and calculates a final deduction amount, namely transaction cost according to the calculated basic price and the discount information.
Step S402: and when the transaction cost is less than the balance, performing security authentication on the industry application information, calculating a security authentication data ciphertext, and sending the security authentication data ciphertext to the preset server, so that the preset server performs verification on the security authentication data ciphertext and feeds back a verification result.
It should be noted that the purpose of performing security authentication is to rewrite the security level of the industry application information file, and verify the calculated security authentication data ciphertext, so that the payment environment is safer.
In specific implementation, the terminal compares the transaction cost with the balance of the digital currency wallet, if the transaction cost is less than the balance in the digital currency application wallet, and the transaction can be normally carried out, the terminal selects the determined industry application, the digital currency application server returns industry application information directory data, and a calculation instruction is sent to the terminal, so that the terminal calculates ciphertext data of the safety authentication of the industry information file. And sending the calculated security authentication data ciphertext to a server for verification.
In this embodiment, if the transaction fee is greater than the wallet balance of the digital money application, the digital money application cannot complete payment at this time, and the transaction fails.
Step S403: and when the check result is correct, calculating safety message data according to the digital currency application and sending the safety message data to the preset server so that the preset server judges the safety authority according to the safety message data, updates the balance of the digital currency wallet and feeds back updated information.
It should be understood that, in order to ensure the confidentiality and integrity of data and the authentication of a data sender, the terminal calculates the security message data according to the corresponding digital currency application and performs security authority judgment so as to achieve the purpose of updating the industry application information file.
In specific implementation, the server checks the security authentication data ciphertext of the industry information file, if the check is correct, the server starts information file updating security authority to update the industry application information file, the terminal selects corresponding digital currency application for the second time, the security message data is calculated based on the digital currency application, the server judges the security authority based on the security message data, updates the balance of the digital currency wallet according to the judgment result, and sends the updated information to the terminal. And if the safety authentication data ciphertext of the industry information file is verified to be wrong, the transaction fails.
Further, in order to ensure the security of the rewriting of the file, step S403 specifically includes: when the security authority of the security message data is allowed to be changed, verifying the security message data; and when the safety message data is correctly checked, updating the industry application information and the balance of the digital currency wallet according to the safety message data, and feeding back updated information.
It should be understood that the security authority is to ensure the security of the file data, when the security authority of the security message data is allowed to be changed, the digital currency application server checks the security message data, if the check is correct, the balance of the industry application information file and the digital currency wallet is updated according to the mode of updating the security message data with the file, and the updated information is sent to the terminal.
Step S404: and completing payment based on the updated information.
It should be noted that, after the terminal receives the sent update information, the transaction is performed according to the update information, and the payment is completed.
As shown in fig. 5, fig. 5 is a schematic view of an overall flow of a payment method based on a digital currency hard wallet, when payment information is obtained, a terminal extracts and selects an industry application according to the payment information and sends the industry application to the digital currency hard wallet, a server in the digital currency hard wallet searches an industry application catalog according to a catalog name of the industry application, when a corresponding industry application is searched, the server feeds back the industry application information file to the terminal, the terminal reads the industry application information file, the server searches the industry information file and reads file data, the file data is fed back to determine the corresponding digital currency application to the terminal, the terminal selects the digital currency application, and the server returns the digital currency application catalog data to read the balance of the digital currency wallet; the terminal obtains a starting point and an ending point of the deduction fee according to the industry information file and calculates a basic price, calculates preferential discount information according to preferential marks, special travel marks and the like in the industry application information file, calculates a final deduction transaction amount according to the preferential discount and the basic price, compares the deduction amount with the balance of the digital currency wallet, and fails the transaction if the deduction amount is larger than the balance of the digital currency wallet. If the deduction amount is smaller than the balance of the digital currency wallet, the transaction can be continued, the terminal selects industry application for the second time, the server returns industry application information directory data, the terminal calculates industry information file security authentication ciphertext data, the server checks the security authentication ciphertext data calculated by the terminal, when the check is correct, the information file is started to update the security authority, the terminal selects the digital currency application again and calculates the security message data, the calculation result is sent to the server, the server judges the security authority and checks the security message data, and after the check is completed, the industry application information file and the balance of the digital currency wallet are updated in a file updating mode, and the transaction is completed.
The present embodiment compares the transaction fee with the balance of the digital money wallet; when the transaction cost is less than the balance, performing security authentication on the industry application information, calculating a security authentication data ciphertext, and sending the security authentication data ciphertext to the preset server, so that the preset server performs verification on the security authentication data ciphertext and feeds back a verification result; when the check result is correct, calculating safety message data according to the digital currency application and sending the safety message data to the preset server so that the preset server can judge the safety authority according to the safety message data, update the balance of the digital currency wallet and feed back update information; and completing payment based on the updated information. The transaction cost is compared with the balance of the wallet, and safety authentication is carried out, so that the industry application information file is shared, the terminal can authorize the rewriting of the industry information file, and the digital currency application server can safely update the file.
Referring to fig. 6, fig. 6 is a flow chart illustrating a payment method based on the digital currency hard wallet according to a fourth embodiment of the present invention.
Based on the first embodiment, the step S10 of the payment method based on the digital currency hard wallet in this embodiment specifically includes:
step S101: and determining corresponding industry application according to the industry application information and sending the industry application to the preset server so that the preset server retrieves a preset industry application table according to the industry application, and feeding back retrieval information when the industry application is located in the preset industry application table.
It should be noted that the preset industry application table refers to an industry application table set in advance, the industry application table can be inquired to know which industries can be supported to carry out shared payment currently, if the industry in the extracted industry application information is applied to the preset industry application table, it is indicated that the current industry application can support the balance of the shared digital currency wallet to carry out payment, if the current extracted industry application information is not retrieved from the preset industry application table, the feedback can be carried out to the terminal, and the preset industry application table is updated in real time according to requirements.
Step S102: and reading the industry application information file according to the retrieval information so that the preset server determines the corresponding digital currency application based on the industry application information file.
It should be understood that, as shown in fig. 7, the industry application information file includes a Key file of industry application information, a directory data file, and an industry application information file corresponding to an industry application subdirectory, and the corresponding industry application information file can be searched according to the retrieved industry application.
Further, in order to more accurately determine the corresponding digital currency application, step S102 specifically includes: and sending a retrieval instruction to the preset server based on the industry application information file so that the preset server retrieves the industry application information file according to the retrieval instruction, reads the industry application information file data, determines the corresponding digital currency application according to the read information and feeds back the digital currency application.
In specific implementation, the terminal reads the industry information file according to the retrieval information and sends a retrieval instruction to the digital currency application server, the server retrieves the industry information file according to the retrieval instruction and reads file data, determines corresponding digital currency application based on the read file data information, and feeds the determined digital currency application back to the terminal.
In the embodiment, the corresponding industry application is determined according to the industry application information and is sent to the preset server, so that the preset server retrieves a preset industry application table according to the industry application, and when the industry application is located in the preset industry application table, the retrieval information is fed back; and reading the industry application information file according to the retrieval information so that the preset server determines the corresponding digital currency application based on the industry application information file, obtaining an industry application catalog capable of supporting shared payment by retrieving a preset industry application table, and reading the industry application information file to determine the corresponding digital currency application, so that special scenes and special requirements of each industry application can be met, and the payment is rapid and convenient.
Referring to fig. 8, fig. 8 is a block diagram illustrating a first embodiment of a digital currency hard wallet-based payment apparatus according to the present invention.
As shown in fig. 8, the payment apparatus based on the digital currency hard wallet according to the embodiment of the present invention includes:
the extracting module 10 is configured to, when transaction information is acquired, extract industry application information in the transaction information, and send the industry application information to a preset server, so that the preset server determines and feeds back a corresponding digital currency application according to the industry application information.
And the receiving module 20 is configured to receive the digital currency application fed back by the preset server.
And the calculating module 30 is used for calculating the transaction fee according to the industry application information.
A payment module 40 for completing a payment based on the transaction fee and the digital currency application.
In the embodiment, when transaction information is acquired, industry application information in the transaction information is extracted and sent to a preset server, so that the preset server determines and feeds back a corresponding digital currency application according to the industry application information; receiving the digital currency application fed back by the preset server; calculating transaction cost according to the industry application information; completing payment according to the transaction fee and the digital currency application. The corresponding industry application is determined by extracting the industry application information in the transaction information, so that the corresponding digital currency application is selected, the cost of the transaction is calculated, payment is completed through the digital currency application and the transaction cost, the hard wallet with the digital currency function shared by a plurality of industry applications is realized by searching the corresponding industry application, and the payment sharing of the digital currency hard wallet among various industries is met.
In an embodiment, the calculating module 30 is further configured to obtain a deduction record and a discount identifier in the industry application information; calculating a basic price according to the fee deduction record; calculating discount information according to the discount identifier; and calculating transaction cost according to the basic price and the preferential discount information.
In an embodiment, the receiving module 20 is further configured to send an instruction to read a digital money wallet, so that the preset server reads the digital money wallet according to the instruction, queries a balance of the digital money wallet, and feeds back the balance; and receiving the balance of the digital currency wallet fed back by the preset server.
In one embodiment, the payment module 40 is further configured to compare the transaction fee to a balance of the digital money wallet; when the transaction cost is less than the balance, performing security authentication on the industry application information, calculating a security authentication data ciphertext, and sending the security authentication data ciphertext to the preset server, so that the preset server performs verification on the security authentication data ciphertext and feeds back a verification result; when the check result is correct, calculating safety message data according to the digital currency application and sending the safety message data to the preset server so that the preset server can judge the safety authority according to the safety message data, update the balance of the digital currency wallet and feed back update information; and completing payment based on the updated information.
In an embodiment, the payment module 40 is further configured to calculate secure message data according to the digital currency application and send the secure message data to the preset server, so that the preset server receives the secure message data and performs security authority judgment on the secure message data;
when the security authority of the security message data is allowed to be changed, verifying the security message data; and when the safety message data is correctly checked, updating the industry application information and the balance of the digital currency wallet according to the safety message data, and feeding back updated information.
In an embodiment, the extracting module 10 is further configured to determine a corresponding industry application according to the industry application information and send the industry application to the preset server, so that the preset server retrieves a preset industry application table according to the industry application, and when the industry application is located in the preset industry application table, feed back retrieval information; and reading the industry application information file according to the retrieval information so that the preset server determines the corresponding digital currency application based on the industry application information file.
In an embodiment, the extracting module 10 is further configured to send a retrieval instruction to the preset server based on the industry application information file, so that the preset server retrieves the industry application information file according to the retrieval instruction, reads data of the industry application information file, and determines and feeds back a corresponding digital currency application according to the read information.
Further, to achieve the above object, the present invention also proposes a digital money hard wallet-based payment apparatus comprising: a memory, a processor, and a digital currency hard wallet-based payment program stored on the memory and executable on the processor, the digital currency hard wallet-based payment program configured to implement the steps of the digital currency hard wallet-based payment method as described above.
Since the payment device based on the digital currency hard wallet adopts all the technical solutions of all the embodiments, at least all the beneficial effects brought by the technical solutions of the embodiments are achieved, and no further description is given here.
Furthermore, an embodiment of the present invention also provides a storage medium, on which a payment program based on a digital currency hard wallet is stored, and the payment program based on the digital currency hard wallet realizes the steps of the payment method based on the digital currency hard wallet as described above when being executed by a processor.
Since the storage medium adopts all technical solutions of all the embodiments, at least all the beneficial effects brought by the technical solutions of the embodiments are achieved, and no further description is given here.
It should be understood that the above is only an example, and the technical solution of the present invention is not limited in any way, and in a specific application, a person skilled in the art may set the technical solution as needed, and the present invention is not limited thereto.
It should be noted that the above-described work flows are only exemplary, and do not limit the scope of the present invention, and in practical applications, a person skilled in the art may select some or all of them to achieve the purpose of the solution of the embodiment according to actual needs, and the present invention is not limited herein.
In addition, the technical details that are not described in detail in this embodiment may be referred to a payment method based on a digital currency hard wallet provided in any embodiment of the present invention, and are not described herein again.
Further, it is to be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention or portions thereof that contribute to the prior art may be embodied in the form of a software product, where the computer software product is stored in a storage medium (e.g. Read Only Memory (ROM)/RAM, magnetic disk, optical disk), and includes several instructions for enabling a terminal device (e.g. a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A payment method based on a digital currency hard wallet is characterized by comprising the following steps:
when transaction information is acquired, industry application information in the transaction information is extracted, and the industry application information is sent to a preset server, so that the preset server determines and feeds back corresponding digital currency application according to the industry application information;
receiving the digital currency application fed back by the preset server;
calculating transaction cost according to the industry application information;
completing payment according to the transaction fee and the digital currency application.
2. The digital currency hard wallet-based payment method as claimed in claim 1, wherein the calculating a transaction fee from the industry application information comprises:
acquiring a deduction record and a discount identifier in the industry application information;
calculating a basic price according to the fee deduction record;
calculating discount information according to the discount identifier;
and calculating transaction cost according to the basic price and the preferential discount information.
3. The digital money hard wallet-based payment method of claim 1, after receiving the digital money application fed back by the preset server, further comprising:
sending an instruction for reading the digital money wallet, so that the preset server reads the digital money wallet according to the instruction, and inquiring and feeding back the balance of the digital money wallet;
and receiving the balance of the digital currency wallet fed back by the preset server.
4. The digital currency hard wallet-based payment method of claim 3, wherein the completing payment based on the transaction fee and the digital currency application comprises:
comparing the transaction fee to a balance of the digital currency wallet;
when the transaction cost is less than the balance, performing security authentication on the industry application information, calculating a security authentication data ciphertext, and sending the security authentication data ciphertext to the preset server, so that the preset server performs verification on the security authentication data ciphertext and feeds back a verification result;
when the check result is correct, calculating safety message data according to the digital currency application and sending the safety message data to the preset server so that the preset server can judge the safety authority according to the safety message data, update the balance of the digital currency wallet and feed back update information;
and completing payment based on the updated information.
5. The payment method based on the digital currency hard wallet, as claimed in claim 4, wherein the computing of the security message data according to the digital currency application and the sending of the security message data to the preset server, so that the preset server performs security authority judgment according to the security message data, updates the balance of the digital currency wallet, and feeds back the updated information, comprises:
calculating safety message data according to the digital currency application and sending the safety message data to the preset server so that the preset server receives the safety message data and judges the safety authority of the safety message data;
when the security authority of the security message data is allowed to be changed, verifying the security message data;
and when the safety message data is correctly checked, updating the industry application information and the balance of the digital currency wallet according to the safety message data, and feeding back updated information.
6. The payment method based on the digital currency hard wallet as claimed in any one of claims 1-5, wherein when transaction information is obtained, extracting industry application information in the transaction information, and sending the industry application information to a preset server, so that the preset server determines and feeds back a corresponding digital currency application according to the industry application information, comprises:
determining corresponding industry application according to the industry application information and sending the industry application to the preset server so that the preset server retrieves a preset industry application table according to the industry application, and feeding back retrieval information when the industry application is located in the preset industry application table;
and reading the industry application information file according to the retrieval information so that the preset server determines the corresponding digital currency application based on the industry application information file.
7. The digital currency hard wallet-based payment method as claimed in claim 6, wherein the reading the industry application information file according to the retrieved information to cause the provisioning server to determine the corresponding digital currency application based on the industry application information file comprises:
and sending a retrieval instruction to the preset server based on the industry application information file so that the preset server retrieves the industry application information file according to the retrieval instruction, reads the industry application information file data, determines the corresponding digital currency application according to the read information and feeds back the digital currency application.
8. A digital currency hard wallet-based payment device, comprising:
the extraction module is used for extracting industry application information in the transaction information when the transaction information is acquired, and sending the industry application information to a preset server so that the preset server determines and feeds back corresponding digital currency application according to the industry application information;
the receiving module is used for receiving the digital currency application fed back by the preset server;
the calculation module is used for calculating transaction cost according to the industry application information;
and the payment module is used for finishing payment according to the transaction fee and the digital currency application.
9. A digital currency hard wallet-based payment device, comprising: a memory, a processor, and a digital currency hard wallet-based payment program stored on the memory and executable on the processor, the digital currency hard wallet-based payment program configured to implement the digital currency hard wallet-based payment method of any one of claims 1 to 7.
10. A storage medium having stored thereon a digital currency hard wallet-based payment program that when executed by a processor implements a digital currency hard wallet-based payment method as claimed in any one of claims 1 to 7.
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| CN202111258899.3A CN113706138B (en) | 2021-10-28 | 2021-10-28 | Payment method, device, equipment and storage medium based on digital currency hard wallet |
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| CN113706138B (en) | 2022-02-22 |
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