CN114186997A - Digital currency payment method and device - Google Patents

Digital currency payment method and device Download PDF

Info

Publication number
CN114186997A
CN114186997A CN202111385381.6A CN202111385381A CN114186997A CN 114186997 A CN114186997 A CN 114186997A CN 202111385381 A CN202111385381 A CN 202111385381A CN 114186997 A CN114186997 A CN 114186997A
Authority
CN
China
Prior art keywords
wallet
digital
digital money
information
money
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202111385381.6A
Other languages
Chinese (zh)
Inventor
狄刚
穆长春
赵新宇
闫建丽
崔沛东
陈松
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Digital Currency Institute of the Peoples Bank of China
Original Assignee
Digital Currency Institute of the Peoples Bank of China
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Digital Currency Institute of the Peoples Bank of China filed Critical Digital Currency Institute of the Peoples Bank of China
Priority to CN202111385381.6A priority Critical patent/CN114186997A/en
Publication of CN114186997A publication Critical patent/CN114186997A/en
Priority to PCT/CN2022/133235 priority patent/WO2023088467A1/en
Pending legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a digital currency payment method and device, and relates to the technical field of computers. One embodiment of the method comprises: in the charging starting stage, the digital currency wallet establishes a first communication connection with the collection terminal and performs the following admission registration operations: the digital money wallet receives and stores the admission information required by the charging start sent by the money receiving terminal; at the charging end stage, the digital currency wallet establishes a second communication connection with the collection terminal and finishes the following operations of paying off the money: the digital money wallet transmits the entrance information to the receiving terminal, the receiving terminal calculates the receiving amount according to the entrance information and the exit information required by the charging end, the digital money wallet receives the receiving amount returned by the receiving terminal, and the balance deduction of the digital money is executed according to the receiving amount. This embodiment can provide an implementation of extended consumption payments in digital currency such that quick payments can be made using digital currency in non-one-time payment scenarios.

Description

Digital currency payment method and device
Technical Field
The invention relates to the technical field of computers, in particular to a digital currency payment method and device.
Background
The digital currency transaction of the prior public test point supports one-time payment, such as shopping payment in a shopping mall/supermarket, ticket payment in a subway and the like, but no uniform payment scheme exists for non-one-time payment (which can be called as extended consumption) scenes, such as bus/subway section card swiping, parking lot timing charging, shared bicycle charging, high-speed non-stop charging and the like.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
absent implementation of extended consumption payments in digital currency, rapid payments cannot be made using digital currency in non-one-time payment scenarios.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and an apparatus for paying digital currency, which can provide an implementation scheme for extended consumption payment of digital currency, so that fast payment can be performed using digital currency in a non-one-time payment scenario.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a digital money payment method.
A digital currency payment method, comprising: in the charging starting stage, the digital currency wallet establishes a first communication connection with a collection terminal and performs an entrance registration operation, wherein the entrance registration operation comprises the following steps: the digital money wallet receives and stores the entrance information required by the charging start sent by the receiving terminal; at the charging end stage, the digital currency wallet establishes a second communication connection with the collection terminal and finishes the operation of drawing money and deducting money, and the operation of drawing money and deducting money comprises the following steps: the digital money wallet transmits the entrance information to the collection terminal, the collection terminal calculates the collection amount according to the entrance information and the exit information required by the charging end, and the digital money wallet receives the collection amount returned by the collection terminal and executes the digital money balance deduction according to the collection amount.
Optionally, the entry registration operation further comprises: performing first bidirectional identity authentication with the collection terminal, and determining that the first bidirectional identity authentication passes; and the operation of drawing money out and deducting money further comprises the following steps: and performing second bidirectional identity authentication with the collection terminal, and determining that the second bidirectional identity authentication passes.
Optionally, the performing of the first bidirectional authentication or the second bidirectional authentication between the digital money wallet and the receiving terminal includes: the digital money wallet receives an authentication request of the receiving terminal and sends a first public key certificate and a first random number of the digital money wallet to the receiving terminal, wherein the authentication request comprises a second public key certificate of the receiving terminal, and the first random number is generated by the digital money wallet; the digital money wallet receives a first random number signature and a second random number sent by the receiving terminal, wherein the first random number signature is obtained by the receiving terminal by signing the first random number by using a private key corresponding to the second public key certificate, and the second random number is generated by the receiving terminal; and the digital money wallet verifies the signature of the first random number by using the public key in the second public key certificate, signs the second random number by using the private key corresponding to the first public key certificate after the verification is passed, obtains a signature of the second random number, and sends the signature of the second random number to the money receiving terminal for verification.
Optionally, in the entrance registration operation, the entrance information and the first random number signature are sent to the digital money wallet by the cash receiving terminal in synchronization; and/or in the cash withdrawal operation, the admission information and the second random number signature are synchronously sent to the collection terminal by the digital currency wallet.
Optionally, the digital money wallet and the money receiving terminal establish the first communication connection or the second communication connection based on any one of DSRC (Dedicated Short Range Communications), NFC (near field communication), bluetooth, WiFi (Wireless Fidelity).
Optionally, at the end of the charging, the digital money wallet further receives and stores the outgoing information returned by the receiving terminal, generates payment information according to the outgoing information, the receiving amount and the result of balance deduction, and sends the payment information to the receiving terminal, so that the receiving terminal uploads the payment information to the background system of the operating institution of the digital money in real time or asynchronously for reconciliation.
Optionally, the digital money wallet writes the entrance information or the exit information into an application file in the digital money wallet according to a file write instruction sent by the money receiving terminal, so as to store the entrance information or the exit information.
Optionally, the digital money wallet stores the entrance information or the exit information received by the receiving terminal according to a special transaction instruction or an application extension instruction sent by the receiving terminal.
According to another aspect of embodiments of the present invention, a digital currency payment method is provided.
A digital currency payment method, comprising: in the charging starting stage, the collection terminal establishes a first communication connection with the digital money wallet and executes an entrance registration process, wherein the entrance registration process comprises the following steps: the receiving terminal sends the admission information required by the charging start to the digital money wallet; at the end of charging, the collection terminal establishes a second communication connection with the digital money wallet and executes an outgoing collection process, wherein the outgoing collection process comprises the following steps: and receiving the entrance information transmitted by the digital money wallet, calculating the amount of money to be collected according to the entrance information and the exit information required by the end of charging, returning the amount of money to the digital money wallet, and executing the balance deduction of the digital money according to the amount of money to be collected by the digital money wallet.
Optionally, the entrance registration procedure further includes: performing a first authentication with the digital money wallet and determining that the first authentication is passed; and the outgoing cash collection process further comprises the following steps: performing a second two-way authentication with the digital money wallet, and determining that the second two-way authentication is passed.
Optionally, the performing, by the receiving terminal, the first bidirectional authentication or the second bidirectional authentication with the digital money wallet includes: the money receiving terminal sends an authentication request to the digital money wallet, and receives a first public key certificate and a first random number of the digital money wallet sent by the digital money wallet, wherein the authentication request comprises a second public key certificate of the money receiving terminal, and the first random number is generated by the digital money wallet; the money receiving terminal signs the first random number by using a private key corresponding to the second public key certificate to obtain a first random number signature, and sends the first random number signature and a second random number to the digital money wallet, wherein the second random number is generated by the money receiving terminal; and the receiving terminal receives a second random number signature sent by the digital money wallet and verifies the second random number signature by using a public key in the first public key certificate, wherein the second random number signature is obtained by signing the second random number by using a private key corresponding to the first public key certificate by the digital money wallet.
Optionally, in the entrance registration process, the entrance information and the first random number signature are sent to the digital money wallet by the cash receiving terminal synchronously; in the outgoing money receiving process, the admission information and the second random number signature are synchronously sent to the money receiving terminal by the digital currency wallet.
Optionally, the cash receiving terminal and the digital money wallet establish the first communication connection or the second communication connection based on any one of DSRC, NFC, bluetooth and WiFi.
Optionally, at the end of the charging, the receiving terminal further returns the field information and the result of the balance deduction to the digital money wallet, so that the digital money wallet generates payment information according to the field information, the receiving amount and the result of the balance deduction, and after receiving the payment information sent by the digital money wallet, the receiving terminal uploads the payment information to an operating institution background system of the digital money in real time or asynchronously for reconciliation.
Optionally, the cash receiving terminal writes the entrance information or the exit information into an application file in the digital money wallet through a file writing instruction, so that the entrance information or the exit information is stored by the digital money wallet.
Optionally, the checkout terminal communicates the entrance information or the exit information to the digital money wallet via a dedicated transaction instruction or an application extension instruction for storing the entrance information or the exit information by the digital money wallet.
According to yet another aspect of an embodiment of the present invention, there is provided a digital money payment apparatus.
A digital currency payment device, disposed in a digital currency wallet, the device comprising: an entrance registration operation module, configured to establish a first communication connection with a payee terminal at a charging start stage, and perform an entrance registration operation, where the entrance registration operation includes: receiving and storing entrance information required for starting charging and sent by the collection terminal; and the field payment deduction operation module is used for establishing second communication connection with the collection terminal at the charging finishing stage and finishing field payment deduction operation, and the field payment deduction operation comprises the following steps: and transmitting the entrance information to the collection terminal, calculating the collection amount by the collection terminal according to the entrance information and the exit information required by the charging end, receiving the collection amount returned by the collection terminal, and executing digital currency balance deduction according to the collection amount.
Optionally, the system further comprises a bidirectional authentication module, configured to: performing first bidirectional identity authentication with the collection terminal, and determining that the first bidirectional identity authentication passes; and, for: and performing second bidirectional identity authentication with the collection terminal, and determining that the second bidirectional identity authentication passes.
Optionally, the bidirectional authentication module is further configured to: receiving an authentication request of the receiving terminal, and sending a first public key certificate and a first random number of the digital money wallet to the receiving terminal, wherein the authentication request comprises a second public key certificate of the receiving terminal, and the first random number is generated by the bidirectional authentication module; receiving a first random number signature and a second random number sent by the receiving terminal, wherein the first random number signature is obtained by the receiving terminal by signing the first random number by using a private key corresponding to the second public key certificate, and the second random number is generated by the receiving terminal; and verifying the first random number signature by using a public key in the second public key certificate, signing the second random number by using a private key corresponding to the first public key certificate after the verification is passed, obtaining a second random number signature, and sending the second random number signature to the collection terminal for verification.
Optionally, in the entrance registration operation, the entrance information and the first random number signature are sent to the digital money wallet by the cash receiving terminal in synchronization; and/or in the cash withdrawal operation, the admission information and the second random number signature are synchronously sent to the collection terminal by the digital currency wallet.
Optionally, the digital money wallet and the cash collection terminal establish the first communication connection or the second communication connection based on any one of DSRC, NFC, bluetooth and WiFi.
Optionally, the cash deduction operation module is further configured to: and at the charging end stage, receiving and storing the outgoing information returned by the collection terminal, generating payment information according to the outgoing information, the collection amount and the balance deduction result, and sending the payment information to the collection terminal so that the collection terminal uploads the payment information to an operation mechanism background system of the digital currency in real time or asynchronously for reconciliation.
Optionally, the digital money wallet further comprises a first storage module, configured to write the entrance information or the exit information into an application file in the digital money wallet according to a file write instruction sent by the cash receiving terminal, so as to store the entrance information or the exit information.
Optionally, the system further comprises a second storage module, configured to store the entry information or the exit information received from the receiving terminal according to a special transaction instruction or an application extension instruction sent by the receiving terminal.
According to yet another aspect of an embodiment of the present invention, there is provided a digital money payment apparatus.
A digital currency payment device provided in a cash receiving terminal, the device comprising: an entrance registration execution module, configured to establish a first communication connection with the digital money wallet at a charging start stage, and execute an entrance registration procedure, where the entrance registration procedure includes: transmitting entry information required for the start of billing to the digital money wallet; the outgoing cash receiving execution module is used for establishing second communication connection with the digital money wallet at the charging end stage and executing an outgoing cash receiving process, and the outgoing cash receiving process comprises the following steps: and receiving the entrance information transmitted by the digital money wallet, calculating the amount of money to be collected according to the entrance information and the exit information required by the end of charging, returning the amount of money to the digital money wallet, and executing the balance deduction of the digital money according to the amount of money to be collected by the digital money wallet.
Optionally, the entry registration execution module is further configured to: performing a first authentication with the digital money wallet and determining that the first authentication is passed; and the leaving collection execution module is also used for: performing a second two-way authentication with the digital money wallet, and determining that the second two-way authentication is passed.
Optionally, the system further comprises an identity authentication module, configured to: sending an authentication request to the digital money wallet, and receiving a first public key certificate of the digital money wallet and a first random number sent by the digital money wallet, wherein the authentication request comprises a second public key certificate of the money receiving terminal, and the first random number is generated by the digital money wallet; signing the first random number by using a private key corresponding to the second public key certificate to obtain a first random number signature, and sending the first random number signature and a second random number to the digital currency wallet, wherein the second random number is generated by the identity authentication module; and receiving a second random number signature sent by the digital money wallet, and verifying the second random number signature by using a public key in the first public key certificate, wherein the second random number signature is obtained by signing the second random number by using a private key corresponding to the first public key certificate by the digital money wallet.
Optionally, in the entrance registration process, the entrance information and the first random number signature are sent to the digital money wallet by the cash receiving terminal synchronously; in the outgoing money receiving process, the admission information and the second random number signature are synchronously sent to the money receiving terminal by the digital currency wallet.
Optionally, the cash receiving terminal and the digital money wallet establish the first communication connection or the second communication connection based on any one of DSRC, NFC, bluetooth and WiFi.
Optionally, the leaving cash register execution module is further configured to: at the charging end stage, returning the field information and the result of the balance deduction to the digital money wallet so as to generate payment information by the digital money wallet according to the field information, the collection amount and the result of the balance deduction; the outgoing collection execution module is further used for: and after receiving the payment information sent by the digital currency wallet, uploading the payment information to an operation mechanism background system of the digital currency in real time or asynchronously for reconciliation.
Optionally, the digital money wallet further comprises an information writing module, configured to write the entrance information or the exit information into an application file in the digital money wallet through a file writing instruction, so that the entrance information or the exit information is stored by the digital money wallet.
According to yet another aspect of an embodiment of the present invention, an electronic device is provided.
An electronic device, comprising: one or more processors; a memory for storing one or more programs that, when executed by the one or more processors, cause the one or more processors to implement the digital currency payment method provided by embodiments of the present invention.
According to yet another aspect of an embodiment of the present invention, a computer-readable medium is provided.
A computer-readable medium having stored thereon a computer program which, when executed by a processor, implements a digital money payment method provided by an embodiment of the present invention.
One embodiment of the above invention has the following advantages or benefits: in the charging starting stage, the digital currency wallet establishes a first communication connection with the collection terminal and performs an entrance registration operation, wherein the entrance registration operation comprises the following steps: the digital money wallet receives and stores the admission information required by the charging start sent by the money receiving terminal; at the charging end stage, the digital currency wallet establishes a second communication connection with the collection terminal and finishes the operation of deducting money from the field, and the operation of deducting money from the field comprises the following steps: the digital money wallet transmits the entrance information to the receiving terminal, the receiving terminal calculates the receiving amount according to the entrance information and the exit information required by the charging end, the digital money wallet receives the receiving amount returned by the receiving terminal, and the balance deduction of the digital money is executed according to the receiving amount. The scheme of the embodiment can provide an implementation scheme of extended consumption payment of digital currency, so that quick payment can be carried out by using the digital currency in a non-one-time payment scene.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the main steps of a digital currency payment method according to one embodiment of the present invention;
FIG. 2 is a schematic diagram of the main steps of a digital currency payment method according to another embodiment of the present invention;
FIG. 3 is a schematic diagram of an entry registration process for digital currency payment, according to one embodiment of the present invention;
FIG. 4 is a schematic diagram of a digital currency payment cash flow according to one embodiment of the present invention;
FIG. 5 is a schematic diagram of the main steps of a digital money payment apparatus according to one embodiment of the present invention;
FIG. 6 is a schematic view of the main steps of a digital money payment apparatus according to another embodiment of the present invention;
FIG. 7 is a functional block diagram of a system for digital currency payment according to one embodiment of the present invention;
FIG. 8 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 9 is a schematic block diagram of a computer system suitable for use in implementing a terminal device of an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of the main steps of a digital money payment method according to one embodiment of the present invention. As shown in fig. 1, the digital money payment method according to an embodiment of the present invention mainly includes the following steps S101 to S102. The digital money payment method of the present embodiment is performed by a digital money wallet.
Step S101: in the charging starting stage, the digital currency wallet establishes a first communication connection with the collection terminal and performs an entrance registration operation, wherein the entrance registration operation comprises the following steps: the digital money wallet receives and stores the admission information required by the charging start sent by the money receiving terminal;
the entry information may determine the specific content according to different application scenarios, for example, in a subway scenario, the entry information may include information such as a city code, a subway line, an inbound subway station, and an inbound time, and different industries may be expanded by themselves.
Step S102: at the charging end stage, the digital currency wallet establishes a second communication connection with the collection terminal and finishes the operation of deducting money from the field, and the operation of deducting money from the field comprises the following steps: the digital money wallet transmits the entrance information to the receiving terminal, the receiving terminal calculates the receiving amount according to the entrance information and the exit information required by the charging end, the digital money wallet receives the receiving amount returned by the receiving terminal, and the balance deduction of the digital money is executed according to the receiving amount.
The departure information can determine the contained specific content according to different application scenes, for example, in a subway scene, the departure information can contain information such as city codes, subway lines, subway stations for departure, and the time for departure, and different industries can be expanded by themselves.
The charging terminal calculates the charging amount according to the entrance information and the exit information required by the charging end, and specifically, the charging amount can be calculated according to the charging rule set in the service scene, for example, in the subway scene, the charging amount is calculated according to the subway charging rule between the entrance subway station and the exit subway station, and between the two stations.
The entry registration operation further includes: performing first bidirectional identity authentication with a payee terminal and determining that the first bidirectional identity authentication passes; and the operation of drawing money out and deducting money also comprises the following steps: and performing second bidirectional identity authentication with the payee terminal and determining that the second bidirectional identity authentication passes.
The digital currency wallet carries out first bidirectional identity authentication or second bidirectional identity authentication with a money receiving terminal, and the process specifically comprises the following steps: the digital money wallet receives an authentication request of a receiving terminal and sends a first public key certificate and a first random number of the digital money wallet to the receiving terminal, wherein the authentication request comprises a second public key certificate of the receiving terminal, and the first random number is generated by the digital money wallet; the digital money wallet receives a first random number signature and a second random number sent by the collection terminal, wherein the first random number signature is obtained by the collection terminal by signing the first random number by using a private key corresponding to a second public key certificate, and the second random number is generated by the collection terminal; and the digital currency wallet verifies the first random number signature by using the public key in the second public key certificate, signs the second random number by using the private key corresponding to the first public key certificate after the verification is passed, obtains a second random number signature, and sends the second random number signature to the cash receiving terminal for verification. If the digital currency wallet verifies the signature sent by the receiving terminal to the other party, the two-way identity authentication (the first two-way identity authentication or the second two-way identity authentication) is passed.
In one embodiment, the entry information and the first random number signature may be sent by the checkout terminal to the digital money wallet in synchronization during the entry registration operation; and/or, the admission information and the second random number signature can be synchronously sent to the collection terminal by the digital currency wallet in the discharge deduction operation.
The digital money wallet and the money receiving terminal establish a first communication connection or a second communication connection based on any one of DSRC, NFC, Bluetooth and WiFi.
And at the charging end stage, the digital money wallet also receives and stores the outgoing information returned by the collection terminal, generates payment information according to the outgoing information, the collection amount and the balance deduction result, and sends the payment information to the collection terminal so that the collection terminal uploads the payment information to the background system of the digital money operating mechanism in real time or asynchronously for reconciliation. The payment information may include information of both the payment and receipt parties, the payment amount, and the like.
In one embodiment, the digital money wallet writes the entrance information or the exit information into an application file in the digital money wallet according to a file writing instruction sent by the cash receiving terminal so as to store the entrance information or the exit information.
In another embodiment, the digital money wallet stores the incoming information or outgoing information received from the receiving terminal according to a dedicated transaction instruction or an application extension instruction issued by the receiving terminal. The special transaction instruction or the application extension instruction can be an instruction agreed by the payment and receipt parties in advance through a protocol and the like, and is set according to specific service scene requirements.
Fig. 2 is a schematic diagram of main steps of a digital money payment method according to another embodiment of the present invention. As shown in fig. 2, the digital money payment method according to an embodiment of the present invention mainly includes the following steps S201 to S202. The digital money payment method of the present embodiment is performed by a receiving terminal.
Step S201: in the charging starting stage, the collection terminal establishes a first communication connection with the digital money wallet and executes an entrance registration process, wherein the entrance registration process comprises the following steps: the collection terminal sends the entrance information required for starting charging to the digital money wallet;
step S202: at the end of charging, the second communication connection is established between the collection terminal and the digital money wallet, and the outgoing collection process is executed, and comprises the following steps: and receiving the entrance information transmitted by the digital money wallet, calculating the amount of money to be collected according to the entrance information and the exit information required by the end of charging, and returning the amount of money to the digital money wallet so as to execute the balance deduction of the digital money according to the amount of money to be collected by the digital money wallet.
The entrance registration process further includes: performing first bidirectional identity authentication with the digital currency wallet, and determining that the first bidirectional identity authentication is passed; and the outgoing cash collection process further comprises the following steps: a second two-way authentication with the digital money wallet is performed and it is determined that the second two-way authentication is passed.
The method comprises the following steps that a first bidirectional identity authentication or a second bidirectional identity authentication is carried out between a collection terminal and a digital money wallet, and the specific process comprises the following steps: the method comprises the steps that a money receiving terminal sends an authentication request to a digital money wallet and receives a first public key certificate and a first random number of the digital money wallet sent by the digital money wallet, wherein the authentication request comprises a second public key certificate of the money receiving terminal, and the first random number is generated by the digital money wallet; the money receiving terminal signs the first random number by using a private key corresponding to the second public key certificate to obtain a first random number signature, and sends the first random number signature and the second random number to the digital money wallet, wherein the second random number is generated by the money receiving terminal; and the money receiving terminal receives a second random number signature sent by the digital money wallet, and verifies the second random number signature by using a public key in the first public key certificate, wherein the second random number signature is obtained by signing the second random number by using a private key corresponding to the first public key certificate in the digital money wallet.
In one embodiment, in the entrance registration process, the entrance information and the first random number signature may be synchronously transmitted to the digital money wallet by the cash receiving terminal; in the outgoing money receiving process, the incoming information and the second random number signature may be synchronously transmitted to the receiving terminal by the digital money wallet.
The cash receiving terminal and the digital money wallet establish a first communication connection or a second communication connection based on any one of DSRC, NFC, Bluetooth and WiFi.
And at the charging end stage, the receiving terminal also returns the field information and the result of balance deduction to the digital money wallet, so that the digital money wallet generates payment information according to the field information, the received amount and the result of balance deduction, and after receiving the payment information sent by the digital money wallet, the receiving terminal uploads the payment information to the background system of the operating mechanism of the digital money in real time or asynchronously for reconciliation.
The cash receiving terminal writes the entrance information or the exit information into the application file in the digital money wallet through the file writing instruction, so that the entrance information or the exit information is stored in the digital money wallet.
The digital currency payment method is suitable for various extended consumption scenes of the digital currency, including application scenes such as segmented charging, time-sharing charging, mileage charging and the like, for example, scenes such as bus/subway segmented card swiping, parking lot timing charging, shared bicycle charging, high-speed non-stop charging and the like.
Fig. 3 is a schematic diagram of an entry registration process for digital currency payment according to one embodiment of the present invention. As shown in fig. 3, the digital money entry registration process according to an embodiment of the present invention includes:
a cash receiving terminal of a merchant (in fig. 3, a Point of sale (POS) terminal is taken as an example) establishes a connection with a digital money wallet of a user (i.e., a user wallet) through short-distance communication;
the digital currency wallet of the user and the cash receiving terminal of the merchant perform bidirectional identity authentication;
the merchant's cash-receiving terminal transmits entry information to the user's digital money wallet, which stores the entry information.
The short-distance communication in the embodiment of the invention can adopt short-distance communication modes such as DSRC, NFC, Bluetooth, WiFi and the like.
In one embodiment, the authentication method may use a Public Key Infrastructure (PKI) mode, where a digital money wallet or a receiving terminal device applies for an operation institution system of digital money when opening a digital money service, the operation institution system issues Public Key certificates to the digital money wallet and the receiving terminal, respectively, the operation institution system, such as a bank operation institution system, exchanges the Public Key certificate and a random number, and both the receiving and paying parties exchange the Public Key certificate and the random number, sign the random number sent by the party with a private Key corresponding to the own Public Key certificate, and then send the signed random number (i.e., a random number signature) to the other party, and both the receiving and paying parties also verify the received signature of the other party with a Public Key in the Public Key certificate sent by the other party.
The PKI mode bidirectional identity authentication process specifically includes: the digital money wallet and the receiving terminal exchange the public key certificate and the random number, the exchange process is that the digital money wallet sends the own first public key certificate and the generated first random number to the receiving terminal, and the receiving terminal sends the own second public key certificate and the generated second random number to the digital money wallet. And the digital currency wallet signs the exchanged second random number of the collection terminal by using a private key corresponding to the first public key certificate to obtain a second random number signature, and sends the second random number signature to the collection terminal for signature verification. And the money receiving terminal signs the exchanged first random number of the digital money wallet by using a private key corresponding to the second public key certificate to obtain a first random number signature, and sends the first random number signature to the digital money wallet for signature verification. And the digital money wallet verifies the first random number signature sent by the receiving terminal by using the public key in the second public key certificate of the receiving terminal obtained by exchanging. And the receiving terminal verifies the second random number signature sent by the digital currency wallet by using the public key in the first public key certificate of the digital currency wallet obtained by exchanging. And after the digital money wallet and the money receiving terminal respectively complete signature verification and both pass the verification, the digital money wallet of the user and the money receiving terminal of the merchant perform bidirectional identity authentication.
In another embodiment, the authentication mode may adopt a preset shared key mode, when the digital money service is opened, the shared key is written by the operator system of the digital money, and the two parties of the collection and payment perform bidirectional identity authentication by using the preset shared key, specifically, the two parties may respectively verify information (such as a random number) sent by the other party by using the shared key, and if the verification passes, the bidirectional identity authentication passes.
The digital currency wallet of the user stores the entrance information, the entrance information can be written into an application file in the wallet for storage through a file writing instruction, or the entrance information can be stored by the wallet application according to a special transaction instruction or an application expansion instruction sent by a money receiving terminal, the entrance information can contain detailed and specific contents according to different application scenes, for example, a bus subway scene should contain city codes, time, lines, stations and other information, and different merchants can expand the entrance information by themselves.
It should be noted that, if there is an incomplete payment process before, for example, there is last registration information but no delivery payment is performed, the payment receiving terminal may obtain the last recorded status stored in the digital money wallet of the user for judgment, and may perform a supplementary payment before the step of the payment receiving terminal of the merchant transmitting the entry information to the digital money wallet of the user. For example, for each payment, a record of the admission completion state can be generated after admission registration, correspondingly, a record of the leaving completion state can be generated after leaving collection, at the charging starting stage, after the digital money wallet establishes communication connection with a collection terminal, and before entering registration operation is performed, the record of the admission completion state and the leaving completion state of the last payment can be read first, if the record of the admission completion state is read only and the record of the corresponding leaving completion state is not read, the incomplete payment process exists last time, the leaving collection operation is performed according to the preset leaving information, the leaving deduction is performed in the digital money wallet, and then the digital money payment process is performed this time.
The following describes in detail an entrance registration process of digital currency payment according to an embodiment of the present invention, taking a digital currency card swiping consumption scene in a subway as an example, and may include the following three steps:
firstly, establishing connection between a subway gate terminal and a user digital currency wallet through NFC near field communication;
the subway gate terminal is a money receiving terminal, and the user digital money wallet is the digital money wallet of the payer user.
Secondly, performing two-way identity authentication between the subway gate terminal and the user digital currency wallet, wherein the authentication mode adopts a PKI mode (when the user digital currency wallet and the gate terminal open digital currency service, applying to a bank operating organization, and issuing a public key certificate by the bank operating organization):
a) the subway gate terminal sends a gate public key certificate (namely a second public key certificate) to the user digital currency wallet and initiates an authentication request;
b) the user wallet returns the gate authentication random number (namely, the first random number) and the user public key certificate (namely, the first public key certificate) as a response;
c) the subway gate terminal sends a gate signature and a user authentication random number (namely a second random number) to the user digital currency wallet;
the gate signature is a signature generated by the subway gate terminal by using a gate private key (namely a private key corresponding to the second public key certificate) to perform encryption operation on the gate authentication random number, namely a first random number signature.
d) The user digital currency wallet verifies the gate signature, if the verification is passed, the user signature is calculated and used as a response;
the user signature is a signature generated by the digital currency wallet by performing an encryption operation on the user authentication random number by using a user private key (namely, a private key corresponding to the first public key certificate), namely, a second random number signature.
And thirdly, the subway gate terminal sends the entrance information to the user digital money wallet, and the user digital money wallet stores the entrance information.
The stored entrance information can be written into the application file in the wallet for storage through a file writing instruction sent by the subway gate terminal, or can be stored by the user digital money wallet application according to a special transaction instruction or an application expansion instruction sent by the subway gate terminal. The entrance information may include detailed and specific contents according to different application scenarios, for example, a subway scenario should include information such as a city code, a subway line, a subway station, and an arrival time, and different industries may be expanded by themselves.
To improve the transaction performance, the third step of the entry registration process described above may be combined with the two steps c), d) of the second step. That is, the subway gate terminal may simultaneously transmit the entrance information while transmitting the gate signature to the user digital money wallet, store the entrance information after the user digital money wallet verifies the gate signature, and then calculate the user signature as a response.
Fig. 4 is a schematic diagram of the process of the digital currency payment according to an embodiment of the present invention, and as shown in fig. 4, the process of the digital currency payment according to an embodiment of the present invention is as follows:
the merchant cash register terminal (the POS terminal is taken as an example in fig. 4) establishes a connection with the user digital money wallet (i.e., the user wallet) through short-distance communication;
the user digital money wallet and the merchant money receiving terminal perform bidirectional identity authentication;
the merchant payment terminal performs payment.
The specific procedures of the short-range communication connection establishment and the bidirectional identity authentication can be described in the relevant content of the entrance registration process above. The user digital currency wallet and the merchant money receiving terminal respectively generate random numbers and transmit the generated random numbers, the public key certificate and the signature to the other party, the signature is obtained by signing the random numbers sent by the other party by using a private key corresponding to the own public key certificate, for example, the user wallet returns a gate authentication random number (namely, a first random number) to a subway gate terminal, the subway gate terminal uses a gate private key (namely, a private key corresponding to a second public key certificate) to carry out encryption operation on the gate authentication random number to generate a signature, and a gate signature, namely, a first random number signature is obtained and sent to the user wallet.
The specific process of the merchant cash receiving terminal for executing the cash receiving comprises the following steps:
the merchant cash register terminal acquires the entrance information stored in the user digital money wallet. The step can be realized by reading the file reading instruction sent by the merchant money receiving terminal from the digital money wallet application file, or can be realized by acquiring the file from the digital money wallet application through a special transaction instruction or an application expansion instruction.
And the merchant money receiving terminal calculates the money receiving amount according to the business charging rule. The service charging rules of this step are pre-established according to specific service requirements.
The merchant cash register terminal transmits the amount of money to be paid and the outgoing information to the user digital money wallet.
The user digital currency wallet stores the outgoing information. The stored leaving information can be stored according to file writing instructions, special transaction instructions or application extension instructions and the like, and specifically, reference can be made to introduction of the stored leaving information, the leaving information can contain detailed and specific contents according to different application scenes, the balance is deducted by a user digital currency wallet, and payment information is returned to a merchant money receiving terminal. In order to improve the transaction performance, the collection terminal can adopt delayed collection, namely after receiving payment information of a digital money wallet of a user, the collection terminal can pass/discharge on site and then asynchronously upload the information to a digital money transaction system (namely an operating mechanism system of digital money), so as to realize online account reconciliation of a mechanism background system (for example, a background system of a bank operating mechanism).
The digital currency subway card swiping consumption scene is taken as an example below to describe the outgoing money collection process of the digital currency payment in the embodiment of the invention in detail, and the outgoing money collection process comprises the following three steps:
firstly, establishing connection between a subway gate terminal and a user digital currency wallet through NFC near field communication;
secondly, performing bidirectional identity authentication on the subway gate terminal and the user digital currency wallet;
the bidirectional identity authentication is the same as the bidirectional identity authentication process in the entrance registration flow;
thirdly, the subway gate terminal executes money collection, and the specific steps comprise:
a) the subway gate terminal sends an instruction, wherein the instruction is used for acquiring the entrance information stored by the digital money wallet of the user;
this step may be read from the digital currency wallet application file via a file read instruction, or may be obtained from the user wallet via a dedicated transaction instruction or application extension instruction;
b) the subway gate terminal calculates the amount of money according to the subway business charging rule, the entrance information and the current station information;
c) the subway gate terminal sends the amount of money and the leaving information to the user digital money wallet;
d) the user digital currency wallet stores the information of the outgoing place;
the presence information is stored in the same way as the presence information is stored, as described in the embodiments above.
The departure information of this embodiment may include information such as city code, subway line, subway station, departure time), the user digital money wallet deducts the wallet balance, and returns payment information to the subway gate terminal;
e) and the subway gate terminal transmits payment information returned by the digital money wallet of the user to the digital money transaction system in real time or in a delayed manner through remote communication.
The digital currency transaction system is an operation mechanism background system of digital currency, and online account checking is realized through the operation mechanism background system to complete online money collection.
In order to improve the transaction performance, the data transmission in the third step (excluding step e)) in the outbound money receiving process can be optimally combined with the second step, namely, the digital currency wallet can synchronously send the inbound information and the user signature (namely, the second random number signature) to the subway gate terminal.
Fig. 5 is a schematic view of the main steps of the digital money payment apparatus according to one embodiment of the present invention. As shown in fig. 5, the digital money payment apparatus 500 of one embodiment of the present invention is provided in a digital money wallet, and the digital money payment apparatus 500 mainly includes: an entrance registration operation module 501 and an exit deduction operation module 502.
An entry registration operation module 501, configured to establish a first communication connection with the payee terminal at a charging start stage, and perform an entry registration operation, where the entry registration operation includes: and receiving and storing the entrance information required for starting charging and sent by the receiving terminal.
A deduction operation module 502 for establishing a second communication connection with the collection terminal at the charging end stage and completing deduction operations, where the deduction operations include: the admission information is transmitted to the receiving terminal, so that the receiving terminal calculates the receiving amount according to the admission information and the leaving information required by the charging end, and the leaving deduction operation module 502 is further configured to receive the receiving amount returned by the receiving terminal and execute the digital currency balance deduction according to the receiving amount.
The digital currency payment device 500 further comprises a mutual authentication module for: performing first bidirectional identity authentication with a payee terminal and determining that the first bidirectional identity authentication passes; and, for: and performing second bidirectional identity authentication with the payee terminal and determining that the second bidirectional identity authentication passes.
The mutual authentication module is further configured to: receiving an authentication request of a receiving terminal, and sending a first public key certificate and a first random number of the digital money wallet to the receiving terminal, wherein the authentication request comprises a second public key certificate of the receiving terminal, and the first random number is generated by a bidirectional authentication module; receiving a first random number signature and a second random number sent by the collection terminal, wherein the first random number signature is obtained by the collection terminal by signing the first random number by using a private key corresponding to a second public key certificate, and the second random number is generated by the collection terminal; and verifying the first random number signature by using a public key in the second public key certificate, after the verification is passed, signing the second random number by using a private key corresponding to the first public key certificate to obtain a second random number signature, and sending the second random number signature to the collection terminal for verification.
In the entrance registration operation, entrance information and the first random number signature are synchronously sent to the digital money wallet by the money receiving terminal; and/or during the deduction operation, the admission information and the second random number signature are synchronously sent to the collection terminal by the digital currency wallet.
The digital money wallet and the money receiving terminal establish a first communication connection or a second communication connection based on any one of DSRC, NFC, Bluetooth and WiFi.
The cash-out operation module 502 is further configured to: and at the charging end stage, receiving and storing the outgoing information returned by the collection terminal, generating payment information according to the outgoing information, the collected amount and the balance deduction result, and sending the payment information to the collection terminal so that the collection terminal uploads the payment information to an operation mechanism background system of the digital currency in real time or asynchronously for account checking.
In one embodiment, the digital money payment apparatus 500 further includes a first storage module, configured to write the entrance information or the exit information into an application file in the digital money wallet according to a file write command sent by the cash receiving terminal, so as to store the entrance information or the exit information.
In another embodiment, the digital money payment apparatus 500 further includes a second storage module for storing the entrance information or the exit information received from the receiving terminal according to the dedicated transaction instruction or the application extension instruction issued by the receiving terminal.
Fig. 6 is a schematic view of the main steps of a digital money payment apparatus according to another embodiment of the present invention. As shown in fig. 6, the digital money payment apparatus 600 according to an embodiment of the present invention is disposed in a cash receiving terminal, and the digital money payment apparatus 600 mainly includes: an entrance registration execution module 601 and an exit collection execution module 602.
An entrance registration execution module 601, configured to establish a first communication connection with the digital money wallet at a charging start stage, and execute an entrance registration procedure, where the entrance registration procedure includes: the entry information required for the start of billing is sent to the digital money wallet.
A cash-out execution module 602, configured to establish a second communication connection with the digital money wallet at the end of the charging process, and execute a cash-out process, where the cash-out process includes: and receiving the entrance information transmitted by the digital money wallet, calculating the amount of money to be collected according to the entrance information and the exit information required by the end of charging, and returning the amount of money to the digital money wallet so as to execute the balance deduction of the digital money according to the amount of money to be collected by the digital money wallet.
The entry registration execution module 601 is further configured to: performing first bidirectional identity authentication with the digital currency wallet, and determining that the first bidirectional identity authentication is passed; and the leaving cash executing module 602 is further configured to: a second two-way authentication with the digital money wallet is performed and it is determined that the second two-way authentication is passed.
The digital currency payment device 600 further comprises an identity authentication module for: sending an authentication request to the digital money wallet, and receiving a first public key certificate and a first random number of the digital money wallet sent by the digital money wallet, wherein the authentication request comprises a second public key certificate of a money receiving terminal, and the first random number is generated by the digital money wallet; signing the first random number by using a private key corresponding to the second public key certificate to obtain a first random number signature, and sending the first random number signature and the second random number to the digital currency wallet, wherein the second random number is generated by the identity authentication module; and receiving a second random number signature sent by the digital currency wallet, and verifying the second random number signature by using a public key in the first public key certificate, wherein the second random number signature is obtained by the digital currency wallet by using a private key corresponding to the first public key certificate to sign a second random number.
In the entrance registration process, entrance information and a first random number signature are synchronously sent to the digital money wallet by the money receiving terminal; in the outgoing money receiving process, the incoming information and the second random number signature are synchronously sent to the money receiving terminal by the digital money wallet.
The cash receiving terminal and the digital money wallet establish a first communication connection or a second communication connection based on any one of DSRC, NFC, Bluetooth and WiFi.
The checkout execution module 602 is further configured to: at the charging end stage, returning the field information and the result of the balance deduction to the digital money wallet, and generating payment information by the digital money wallet according to the field information, the collection amount and the result of the balance deduction; the checkout execution module 602 is further configured to: after receiving the payment information sent by the digital currency wallet, the payment information is uploaded to a background system of an operating institution of the digital currency in real time or asynchronously for reconciliation.
The digital money payment apparatus 600 further includes an information writing module for writing the entrance information or the exit information into an application file in the digital money wallet through a file writing instruction to store the entrance information or the exit information by the digital money wallet.
FIG. 7 is a functional block diagram of a system for digital currency payment in accordance with one embodiment of the present invention. As shown in fig. 7, the digital currency payment of one embodiment of the present invention includes an entrance check-in, an exit collection, and a background reconciliation. The one-time entrance registration flow and the one-time exit collection flow form a complete digital currency expansion consumption flow. The entrance registration is to verify the validity of the user identity when the user enters the charging area and begins to consume, and record entrance information (such as the entrance time, route, station number and the like of a public transportation subway) to a digital currency wallet for obtaining and charging when the user leaves. And the outgoing payment is that when the user leaves the charging area and finishes consuming, the money receiving terminal calculates the amount of money to be received after obtaining the entrance information and receives the money to the user digital money wallet. The background reconciliation is carried out by a background system of the digital currency operator after the outgoing payment, which is specifically referred to the introduction of the above embodiment.
The digital currency payment scheme provided by the embodiment of the invention is used for expanding consumption scenes, and is characterized in that the on-site registration is released, the off-site delayed payment is realized, namely, the user payment ciphertext is released only by calculating the payment amount by a payment terminal when the user goes out, and the subsequent payment terminal asynchronously uploads the payment ciphertext to an operation background execution on-line payment and reconciliation, so that the purpose of quick transaction is achieved, and the quick payment requirements of buses, subways, ETC (electronic toll collection system), ETCP (intelligent parking platform without person charge) and the like are met.
Fig. 8 illustrates an exemplary system architecture 800 of a digital currency payment method or digital currency payment apparatus to which embodiments of the present invention may be applied.
As shown in fig. 8, the system architecture 800 may include terminal devices 801, 802, 803, a network 804, and a server 805. The network 804 serves to provide a medium for communication links between the terminal devices 801, 802, 803 and the server 805. Network 804 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 801, 802, 803 to interact with a server 805 over a network 804 to receive or send messages or the like. The terminal devices 801, 802, 803 may have installed thereon various communication client applications, such as shopping-type applications, web browser applications, search-type applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 801, 802, 803 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 805 may be a server that provides various services, such as a back-office management server (for example only) that supports shopping-like websites browsed by users using the terminal devices 801, 802, 803. The backend management server may analyze and perform other processing on the received data such as the product information query request, and feed back a processing result (for example, target push information, product information — just an example) to the terminal device.
It should be noted that the digital money payment method provided by the embodiment of the present invention is generally executed by the terminal devices 801, 802, and 803, and accordingly, the digital money payment apparatus is generally disposed in the terminal devices 801, 802, and 803.
It should be understood that the number of terminal devices, networks, and servers in fig. 8 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 9, shown is a block diagram of a computer system 900 suitable for use in implementing a terminal device of an embodiment of the present application. The terminal device shown in fig. 9 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.
As shown in fig. 9, the computer system 900 includes a Central Processing Unit (CPU)901 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)902 or a program loaded from a storage section 908 into a Random Access Memory (RAM) 903. In the RAM 903, various programs and data necessary for the operation of the system 900 are also stored. The CPU 901, ROM 902, and RAM 903 are connected to each other via a bus 904. An input/output (I/O) interface 905 is also connected to bus 904.
The following components are connected to the I/O interface 905: an input portion 906 including a keyboard, a mouse, and the like; an output section 907 including components such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 908 including a hard disk and the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as necessary. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 910 as necessary, so that a computer program read out therefrom is mounted into the storage section 908 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 909, and/or installed from the removable medium 911. The above-described functions defined in the system of the present application are executed when the computer program is executed by a Central Processing Unit (CPU) 901.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present application, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In this application, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor comprises an entrance registration operation module and an exit deduction operation module. The names of these modules do not limit the module itself in some cases, and for example, the entry registration operation module may be further described as "a module for establishing a first communication connection with the payment receiving terminal and performing an entry registration operation at the start stage of billing".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: in the charging starting stage, the digital currency wallet establishes a first communication connection with a collection terminal and performs an entrance registration operation, wherein the entrance registration operation comprises the following steps: the digital money wallet receives and stores the entrance information required by the charging start sent by the receiving terminal; at the charging end stage, the digital currency wallet establishes a second communication connection with the collection terminal and finishes the operation of drawing money and deducting money, and the operation of drawing money and deducting money comprises the following steps: the digital money wallet transmits the entrance information to the collection terminal, the collection terminal calculates the collection amount according to the entrance information and the exit information required by the charging end, and the digital money wallet receives the collection amount returned by the collection terminal and executes the digital money balance deduction according to the collection amount. Or, causing the apparatus to comprise: in the charging starting stage, the collection terminal establishes a first communication connection with the digital money wallet and executes an entrance registration process, wherein the entrance registration process comprises the following steps: the receiving terminal sends the admission information required by the charging start to the digital money wallet; at the end of charging, the collection terminal establishes a second communication connection with the digital money wallet and executes an outgoing collection process, wherein the outgoing collection process comprises the following steps: and receiving the entrance information transmitted by the digital money wallet, calculating the amount of money to be collected according to the entrance information and the exit information required by the end of charging, returning the amount of money to the digital money wallet, and executing the balance deduction of the digital money according to the amount of money to be collected by the digital money wallet.
According to the technical scheme of the embodiment of the invention, in the starting stage of charging, the digital money wallet establishes a first communication connection with a money receiving terminal and performs the entrance registration operation, and the operation comprises the following steps: the digital money wallet receives and stores the admission information required by the charging start sent by the money receiving terminal; at the charging end stage, the digital currency wallet establishes a second communication connection with the collection terminal and finishes the operation of drawing money from the field, comprising the following steps: the digital money wallet transmits the entrance information to the receiving terminal, the receiving terminal calculates the receiving amount according to the entrance information and the exit information required by the charging end, the digital money wallet receives the receiving amount returned by the receiving terminal, and the balance deduction of the digital money is executed according to the receiving amount. Implementations of extended consumption payments in digital currency can be provided such that quick payments can be made using digital currency in non-one-time payment scenarios.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (20)

1. A digital currency payment method, comprising:
in the charging starting stage, the digital currency wallet establishes a first communication connection with a collection terminal and performs an entrance registration operation, wherein the entrance registration operation comprises the following steps: the digital money wallet receives and stores the entrance information required by the charging start sent by the receiving terminal;
at the charging end stage, the digital currency wallet establishes a second communication connection with the collection terminal and finishes the operation of drawing money and deducting money, and the operation of drawing money and deducting money comprises the following steps: the digital money wallet transmits the entrance information to the collection terminal, the collection terminal calculates the collection amount according to the entrance information and the exit information required by the charging end, and the digital money wallet receives the collection amount returned by the collection terminal and executes the digital money balance deduction according to the collection amount.
2. The method of claim 1, wherein the entry registration operation further comprises: performing first bidirectional identity authentication with the collection terminal, and determining that the first bidirectional identity authentication passes; and the operation of drawing money out and deducting money further comprises the following steps: and performing second bidirectional identity authentication with the collection terminal, and determining that the second bidirectional identity authentication passes.
3. The method of claim 2, wherein the digital money wallet performing the first or second bi-directional authentication with the checkout terminal comprises:
the digital money wallet receives an authentication request of the receiving terminal and sends a first public key certificate and a first random number of the digital money wallet to the receiving terminal, wherein the authentication request comprises a second public key certificate of the receiving terminal, and the first random number is generated by the digital money wallet;
the digital money wallet receives a first random number signature and a second random number sent by the receiving terminal, wherein the first random number signature is obtained by the receiving terminal by signing the first random number by using a private key corresponding to the second public key certificate, and the second random number is generated by the receiving terminal;
and the digital money wallet verifies the signature of the first random number by using the public key in the second public key certificate, signs the second random number by using the private key corresponding to the first public key certificate after the verification is passed, obtains a signature of the second random number, and sends the signature of the second random number to the money receiving terminal for verification.
4. The method according to claim 3, wherein in the entrance registration operation, the entrance information and the first random number signature are sent by the receiving terminal to the digital money wallet in synchronization; and/or the like, and/or,
in the cash withdrawal operation, the admission information and the second random number signature are synchronously sent to the collection terminal by the digital currency wallet.
5. The method of claim 1, wherein the digital money wallet and the checkout terminal establish the first communication connection or the second communication connection based on any of DSRC, NFC, bluetooth, WiFi.
6. The method as claimed in claim 1, wherein at the end of the charging, the digital money wallet further receives and stores the departure information returned by the receiving terminal, generates payment information according to the departure information, the amount of money to be collected and the result of balance deduction, and sends the payment information to the receiving terminal, so that the receiving terminal uploads the payment information to the background system of the operating institution of the digital money in real time or asynchronously for reconciliation.
7. The method according to claim 6, wherein the digital money wallet writes the entrance information or the exit information into an application file in the digital money wallet according to a file write command issued by the cash receiving terminal to store the entrance information or the exit information.
8. The method of claim 6, wherein the digital money wallet stores the entrance information or the exit information received from the receiving terminal according to a dedicated transaction instruction or an application extension instruction issued by the receiving terminal.
9. A digital currency payment method, comprising:
in the charging starting stage, the collection terminal establishes a first communication connection with the digital money wallet and executes an entrance registration process, wherein the entrance registration process comprises the following steps: the receiving terminal sends the admission information required by the charging start to the digital money wallet;
at the end of charging, the collection terminal establishes a second communication connection with the digital money wallet and executes an outgoing collection process, wherein the outgoing collection process comprises the following steps: and receiving the entrance information transmitted by the digital money wallet, calculating the amount of money to be collected according to the entrance information and the exit information required by the end of charging, returning the amount of money to the digital money wallet, and executing the balance deduction of the digital money according to the amount of money to be collected by the digital money wallet.
10. The method of claim 9, wherein the entrance registration process further comprises: performing a first authentication with the digital money wallet and determining that the first authentication is passed; and the outgoing cash collection process further comprises the following steps: performing a second two-way authentication with the digital money wallet, and determining that the second two-way authentication is passed.
11. The method of claim 10, wherein the receiving terminal performing the first two-way identity authentication or the second two-way identity authentication with the digital money wallet comprises:
the money receiving terminal sends an authentication request to the digital money wallet, and receives a first public key certificate and a first random number of the digital money wallet sent by the digital money wallet, wherein the authentication request comprises a second public key certificate of the money receiving terminal, and the first random number is generated by the digital money wallet;
the money receiving terminal signs the first random number by using a private key corresponding to the second public key certificate to obtain a first random number signature, and sends the first random number signature and a second random number to the digital money wallet, wherein the second random number is generated by the money receiving terminal;
and the receiving terminal receives a second random number signature sent by the digital money wallet and verifies the second random number signature by using a public key in the first public key certificate, wherein the second random number signature is obtained by signing the second random number by using a private key corresponding to the first public key certificate by the digital money wallet.
12. The method of claim 11, wherein in the entrance registration process, the entrance information and the first random number signature are sent by the checkout terminal to the digital money wallet in synchronization;
in the outgoing money receiving process, the admission information and the second random number signature are synchronously sent to the money receiving terminal by the digital currency wallet.
13. The method of claim 9, wherein the checkout terminal and the digital money wallet establish the first communication connection or the second communication connection based on any of DSRC, NFC, bluetooth, WiFi.
14. The method as claimed in claim 9, wherein, in the end stage of charging, the receiving terminal further returns the field information and the result of balance deduction to the digital money wallet, so as to generate payment information by the digital money wallet according to the field information, the amount of money to be collected and the result of balance deduction, and after receiving the payment information sent by the digital money wallet, the receiving terminal uploads the payment information to an operator background system of the digital money in real time or asynchronously for reconciliation.
15. The method of claim 14, wherein the checkout terminal writes the entrance information or the exit information to an application file in the digital money wallet via a file write command to store the entrance information or the exit information by the digital money wallet.
16. The method of claim 14, wherein the checkout terminal communicates the entrance information or the exit information to the digital money wallet via a dedicated transaction instruction or an application extension instruction for storage of the entrance information or the exit information by the digital money wallet.
17. A digital currency payment device, disposed in a digital currency wallet, the device comprising:
an entrance registration operation module, configured to establish a first communication connection with a payee terminal at a charging start stage, and perform an entrance registration operation, where the entrance registration operation includes: receiving and storing entrance information required for starting charging and sent by the collection terminal;
and the field payment deduction operation module is used for establishing second communication connection with the collection terminal at the charging finishing stage and finishing field payment deduction operation, and the field payment deduction operation comprises the following steps: and transmitting the entrance information to the collection terminal, calculating the collection amount by the collection terminal according to the entrance information and the exit information required by the charging end, receiving the collection amount returned by the collection terminal, and executing digital currency balance deduction according to the collection amount.
18. A digital currency payment device, disposed in a cash receiving terminal, the device comprising:
an entrance registration execution module, configured to establish a first communication connection with the digital money wallet at a charging start stage, and execute an entrance registration procedure, where the entrance registration procedure includes: transmitting entry information required for the start of billing to the digital money wallet;
the outgoing cash receiving execution module is used for establishing second communication connection with the digital money wallet at the charging end stage and executing an outgoing cash receiving process, and the outgoing cash receiving process comprises the following steps: and receiving the entrance information transmitted by the digital money wallet, calculating the amount of money to be collected according to the entrance information and the exit information required by the end of charging, returning the amount of money to the digital money wallet, and executing the balance deduction of the digital money according to the amount of money to be collected by the digital money wallet.
19. An electronic device, comprising:
one or more processors;
a memory for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method recited in any of claims 1-16.
20. A computer-readable medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1-16.
CN202111385381.6A 2021-11-22 2021-11-22 Digital currency payment method and device Pending CN114186997A (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CN202111385381.6A CN114186997A (en) 2021-11-22 2021-11-22 Digital currency payment method and device
PCT/CN2022/133235 WO2023088467A1 (en) 2021-11-22 2022-11-21 Digital currency payment method and apparatus

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202111385381.6A CN114186997A (en) 2021-11-22 2021-11-22 Digital currency payment method and device

Publications (1)

Publication Number Publication Date
CN114186997A true CN114186997A (en) 2022-03-15

Family

ID=80602301

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202111385381.6A Pending CN114186997A (en) 2021-11-22 2021-11-22 Digital currency payment method and device

Country Status (2)

Country Link
CN (1) CN114186997A (en)
WO (1) WO2023088467A1 (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116012963A (en) * 2022-12-30 2023-04-25 中国人民银行数字货币研究所 Offline transaction method, device and system
CN116012964A (en) * 2022-12-29 2023-04-25 北京万集科技股份有限公司 Payment method for ETC system, related product and ETC system
WO2023088467A1 (en) * 2021-11-22 2023-05-25 中国人民银行数字货币研究所 Digital currency payment method and apparatus

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10366387B2 (en) * 2013-10-29 2019-07-30 Visa International Service Association Digital wallet system and method
CN104134142B (en) * 2014-08-11 2017-09-29 东南大学 A kind of subway booking recognized based on Quick Response Code, ticket checking method
US10762478B1 (en) * 2017-08-04 2020-09-01 Wells Fargo Bank, N.A. Creating and managing private electronic currency
CN112508575B (en) * 2021-02-03 2021-05-18 八维通科技有限公司 Subway passing brake payment method and system based on digital currency
CN113506103A (en) * 2021-06-25 2021-10-15 华录智达科技股份有限公司 Public transport fee intelligent payment method based on digital currency
CN114186997A (en) * 2021-11-22 2022-03-15 中国人民银行数字货币研究所 Digital currency payment method and device

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2023088467A1 (en) * 2021-11-22 2023-05-25 中国人民银行数字货币研究所 Digital currency payment method and apparatus
CN116012964A (en) * 2022-12-29 2023-04-25 北京万集科技股份有限公司 Payment method for ETC system, related product and ETC system
CN116012963A (en) * 2022-12-30 2023-04-25 中国人民银行数字货币研究所 Offline transaction method, device and system

Also Published As

Publication number Publication date
WO2023088467A1 (en) 2023-05-25

Similar Documents

Publication Publication Date Title
US11783343B2 (en) Token aggregation for multi-party transactions
US11810085B2 (en) Processing financial transactions
CN106233664B (en) Data authentication using an access device
WO2023088467A1 (en) Digital currency payment method and apparatus
US8856043B2 (en) Method and system for managing data and enabling payment transactions between multiple entities
US20150161597A1 (en) Transactions using temporary credential data
US20180144339A1 (en) System, method, and computer program product for facilitating financial transactions
US11847233B2 (en) Token state synchronization
CN110766397B (en) Near field payment method based on data identification model
US9173098B1 (en) Methods, systems, and articles of manufacture for wirelessly pairing peripherals with connected devices
WO2022262527A1 (en) Digital currency-based payment method, platform, terminal, and payment system
WO2018129035A2 (en) Merchant enrollment for reverse payments
CN114819952A (en) Vehicle-mounted payment method, device and system based on digital currency
KR20140095260A (en) Hybrid payment system and method in mobile terminal based on QR member
TW201317911A (en) Cloud credit card transaction system and transaction method thereof
CN114462991A (en) Method and apparatus for conditional transactions based on digital currency
KR20150078785A (en) Balance transfer method for advance payment means and sever apparatus thereof
US10026088B2 (en) Payment processing using multiple transaction channels
CN113592503A (en) Unified payment authentication transaction method, server and system
JP2015527675A (en) Credit card transaction method that does not use a credit card sales slip using a smartphone
CN105225104A (en) A kind of method of payment and system
US20230325820A1 (en) System and method for tokenization
US20240029061A1 (en) Systems and methods for transacting over a network
KR20160141488A (en) Method and server for providing payment service using virtual account
WO2024081023A1 (en) Devices, systems, and methods for enabling personal authorization of financial transactions

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination