CN115222401A

CN115222401A - Digital currency payment method, device and system

Info

Publication number: CN115222401A
Application number: CN202110413028.8A
Authority: CN
Inventors: 狄刚; 穆长春; 赵新宇; 崔沛东; 杜津利
Original assignee: Digital Currency Institute of the Peoples Bank of China
Current assignee: Digital Currency Institute of the Peoples Bank of China
Priority date: 2021-04-16
Filing date: 2021-04-16
Publication date: 2022-10-21

Abstract

The invention discloses a payment method, device and system of digital currency, and relates to the technical field of computers. One embodiment of the method comprises: acquiring a two-dimensional code provided by a first client, wherein the two-dimensional code indicates first digital currency for payment or circulation identification corresponding to the first digital currency; and sending a digital currency exchange request to a second currency management device corresponding to a second client, wherein the digital currency exchange request indicates the two-dimensional code or the first digital currency or the circulation identification acquired after the two-dimensional code is analyzed, so that the second currency management device exchanges the second digital currency corresponding to the first digital currency to the first currency management device corresponding to the first client. This embodiment improves convenience and security when using digital currency for payment.

Description

Digital currency payment method, device and system

Technical Field

The invention relates to the technical field of computers, in particular to a method, a device and a system for paying digital currency.

Background

In the era of digital economy, digital currency is increasingly concerned by banks and consumers due to its characteristics of low cost, convenience and the like, and the use of digital currency for payment is the key to realizing the circulation and application of digital currency.

Different from the traditional electronic payment method, the money used in the traditional electronic payment method is all coming from a bank account, namely, the money actually corresponds to one piece of paper money, the digital money is the money, and the payment by using the digital money is the payment by directly using the money, so the current electronic payment scheme cannot be suitable for the payment of the digital money.

Disclosure of Invention

In view of this, the embodiment of the present invention provides a method for paying digital currency, which can use a two-dimensional code carrying digital currency to realize payment of the digital currency, thereby ensuring the security of digital currency payment and improving the convenience of digital currency payment.

To achieve the above object, according to a first aspect of the embodiments of the present invention, there is provided a method for paying digital currency, applied to a second client, including:

acquiring a two-dimensional code provided by a first client, wherein the two-dimensional code indicates first digital currency for payment or circulation identification corresponding to the first digital currency;

and sending a digital money exchange request to a second money management device corresponding to a second client, wherein the digital money exchange request indicates the two-dimensional code or the first digital money or the circulation identifier acquired after the two-dimensional code is analyzed, so that the second money management device exchanges the second digital money corresponding to the first digital money to the first money management device corresponding to the first client.

Optionally, the method further comprises:

under the condition that the two-dimension code is an encrypted two-dimension code, before a digital currency cashing request is sent to a second currency management device corresponding to a second client, a first secret key corresponding to a two-dimension code encryption mode is acquired;

and decrypting the two-dimensional code by using the first key.

Optionally, the method further comprises:

when the first digital currency indicated by the two-dimensional code is encrypted first digital currency or when the circulation identification indicated by the two-dimensional code is encrypted circulation identification, acquiring a second key corresponding to an encryption mode according to the encryption mode corresponding to the denomination of the first digital currency;

and sending a digital currency exchange request to a second currency management device corresponding to a second client, wherein the digital currency exchange request indicates the two-dimensional code, or the first digital currency or the circulation identifier acquired after the two-dimensional code is analyzed, and the second key.

Optionally, the two-dimensional code is generated by the first client or the first money management device according to the first digital money or the circulation identifier.

Optionally, the two-dimensional code further indicates one or more of the following information: the first money management device identification, a usage scenario of the first digital money.

To achieve the above object, according to a second aspect of the embodiments of the present invention, there is provided a payment method of digital money applied to a second money management apparatus including:

receiving a digital currency cashing request sent by a second client, wherein the digital currency cashing request indicates a two-dimensional code provided by a first client, or a first digital currency acquired after the two-dimensional code is analyzed or a circulation identifier corresponding to the first digital currency;

sending the first digital currency or the circulation identification to a first currency management device corresponding to the first client, so that the first currency management device verifies the first digital currency identification or the circulation identification;

receiving a result of verification of the first digital money or the circulation identification by the first money management apparatus;

and under the condition that the first digital currency or the circulation identification passes verification, generating second digital currency corresponding to the first digital currency, and updating a digital currency record corresponding to the second client.

Optionally, in a case where the first digital currency is encrypted first digital currency, or in a case where the circulation id is an encrypted circulation id, the digital currency redemption request further indicates a second key corresponding to an encryption scheme corresponding to a denomination of the first digital currency.

In order to achieve the above object, according to a third aspect of the embodiments of the present invention, there is provided a method for payment of digital money, applied to a first client, including:

generating a two-dimensional code or receiving the two-dimensional code sent by a first currency management device corresponding to a first client, wherein the two-dimensional code indicates first digital currency for payment or circulation identification of the first digital currency;

and providing the two-dimension code to a second client.

Optionally, the method further comprises:

and under the condition that the two-dimensional code is an encrypted two-dimensional code, providing a first key corresponding to the two-dimensional code encryption mode to the second client.

Optionally, the method further comprises:

and providing a second key to the second client according to an encryption mode corresponding to the denomination of the first digital currency when the first digital currency indicated by the two-dimensional code is encrypted first digital currency or when the circulation identification indicated by the two-dimensional code is encrypted circulation identification.

To achieve the above object, according to a fourth aspect of the embodiments of the present invention, there is provided a payment method of digital money applied to a first money management apparatus including:

receiving first digital currency sent by a second currency management device for cashing or circulation identification corresponding to the first digital currency;

verifying the first digital currency or the circulation identification according to the digital currency record corresponding to the first client;

transmitting a result of the verification of the first digital currency or the circulation identification to a second currency management device to cause the second currency management device to generate second digital currency corresponding to the first digital currency if the first digital currency or the circulation identification passes the verification;

and updating the digital currency record corresponding to the first client under the condition that the first digital currency or the circulation identification passes verification.

Optionally, the method further comprises:

and generating a two-dimensional code according to the first digital currency for payment or the circulation identification of the first digital currency, and sending the two-dimensional code to the first client.

Optionally, the method further comprises:

receiving a second key corresponding to an encryption scheme corresponding to the denomination of the first digital currency, which is transmitted by the second currency management device, when the first digital currency is encrypted first digital currency or when the circulation identifier is an encrypted circulation identifier;

and verifying the second key according to the digital currency record corresponding to the first client.

To achieve the above object, according to a fifth aspect of embodiments of the present invention, there is provided a second client for digital money payment, including: the system comprises a two-dimensional code acquisition module and a digital currency conversion and payment module; wherein the content of the first and second substances,

the two-dimension code acquisition module is used for acquiring a two-dimension code provided by a first client, wherein the two-dimension code indicates first digital currency for payment or a circulation identifier corresponding to the first digital currency;

the digital currency exchanging and paying module is used for sending a digital currency exchanging and paying request to a second currency management device corresponding to a second client, wherein the digital currency exchanging and paying request indicates the two-dimensional code or the first digital currency or the circulation identification acquired after the two-dimensional code is analyzed, so that the second currency management device exchanges and pays the second digital currency corresponding to the first digital currency to a first currency management device corresponding to the first client.

Optionally, the two-dimensional code obtaining module is further configured to,

and decrypting the two-dimensional code by using the first key.

Optionally, the digital currency redemption module is further operable,

and sending a digital currency conversion request to a second currency management device corresponding to a second client, wherein the digital currency conversion request indicates the first digital currency or the circulation identification and the second key.

To achieve the above object, according to a sixth aspect of the embodiments of the present invention, there is provided a second money management device for digital money payment, including: the system comprises a cashing request receiving module, a digital currency sending module, a verification result receiving module and a digital currency generating module; wherein, the first and the second end of the pipe are connected with each other,

the system comprises a cashing request receiving module and a cashing request sending module, wherein the cashing request receiving module is used for receiving a digital currency cashing request sent by a second client side, and the digital currency cashing request indicates a two-dimensional code provided by a first client side or a first digital currency acquired after the two-dimensional code is analyzed or a circulation identifier corresponding to the first digital currency;

the digital currency sending module is configured to send the first digital currency or the circulation identifier to a first currency management device corresponding to the first client, so that the first currency management device verifies the first digital currency identifier or the circulation identifier;

the verification result receiving module is used for receiving the verification result of the first currency management device on the first digital currency or the circulation identification;

and the digital currency generation module is used for generating second digital currency corresponding to the first digital currency and updating a digital currency record corresponding to the second client under the condition that the first digital currency or the circulation identification passes verification.

Optionally, in a case where the first digital currency is encrypted first digital currency, or in a case where the circulation identification is encrypted circulation identification, the digital currency exchange request further indicates a second key corresponding to an encryption manner corresponding to a denomination of the first digital currency.

To achieve the above object, according to a seventh aspect of embodiments of the present invention, there is provided a first client for digital money payment, including: the two-dimension code generating module and the two-dimension code providing module are arranged in the mobile terminal; wherein, the first and the second end of the pipe are connected with each other,

the two-dimension code generating module is used for generating a two-dimension code or receiving the two-dimension code sent by a first currency management device corresponding to a first client, wherein the two-dimension code indicates first digital currency for payment or circulation identification of the first digital currency;

and the two-dimension code providing module is used for providing the two-dimension code to a second client.

Optionally, the two-dimensional code providing module is further configured to,

and providing a second key to the second client according to an encryption mode corresponding to the denomination of the first digital currency under the condition that the first digital currency indicated by the two-dimensional code is encrypted or the circulation identification indicated by the two-dimensional code is encrypted.

To achieve the above object, according to an eighth aspect of embodiments of the present invention, there is provided a first money management device for digital money payment, including: the system comprises a digital currency receiving module, a digital currency verification module, a verification result sending module and a currency record detailing module; wherein the content of the first and second substances,

the digital currency receiving module is used for receiving first digital currency which is sent by a second currency management device and used for cashing or circulation identification corresponding to the first digital currency;

the digital currency verification module is used for verifying the first digital currency or the circulation identification according to a digital currency record corresponding to the first client;

the verification result sending module is used for sending the verification result of the first digital currency or the circulation identification to a second currency management device so that the second currency management device generates second digital currency corresponding to the first digital currency under the condition that the first digital currency or the circulation identification passes verification;

and the currency record refinement module is used for updating the digital currency record corresponding to the first client under the condition that the first digital currency or the circulation identification passes verification.

Optionally, the method further comprises: a two-dimensional code generation module; wherein the content of the first and second substances,

the two-dimension code generating module is used for generating a two-dimension code according to first digital currency for payment or circulation identification of the first digital currency, and sending the two-dimension code to the first client side.

Optionally, the digital currency receiving module is further configured to receive, when the first digital currency is encrypted first digital currency or when the circulation identifier is an encrypted circulation identifier, a second key corresponding to an encryption manner corresponding to the denomination of the first digital currency, which is sent by the second currency management device;

and the verification result sending module is further used for verifying the second key according to the digital currency record corresponding to the first client.

To achieve the above object, according to a ninth aspect of an embodiment of the present invention, there is provided a payment system for digital money, including: the system comprises a first client, a second client, a first currency management device corresponding to the first client and a second currency management device corresponding to the second client; wherein, the first and the second end of the pipe are connected with each other,

the first client is used for providing a two-dimensional code for the second client, and the two-dimensional code indicates first digital currency for payment or circulation identification corresponding to the first digital currency;

the second client is used for receiving the two-dimension code and sending a digital currency exchange request to the second currency management device, wherein the digital currency exchange request indicates the two-dimension code or the first digital currency or the circulation identification acquired after the two-dimension code is analyzed;

the second money management device configured to remit a second digital money corresponding to the first digital money to the first money management device in accordance with the digital money remittance request;

the first money management means is configured to verify the first digital money or the circulation identification.

To achieve the above object, according to a tenth aspect of embodiments of the present invention, there is provided an electronic device for digital money payment, including: one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement a method as described in any of the methods of payment of digital currency described above.

To achieve the above object, according to an eleventh aspect of embodiments of the present invention, there is provided a computer-readable medium having stored thereon a computer program which, when executed by a processor, implements any one of the methods of payment of digital money as described above.

The invention has the following advantages or beneficial effects: the two-dimensional code is used for bearing the digital currency or the circulation identification of the digital currency, the two-dimensional code is used for paying the digital currency, the first client side and the second client side which are used for paying the transaction do not need to keep communication connection, and even if the first client side is in an off-line state, the two-dimensional code can be displayed to the second client side through a pre-stored two-dimensional code picture or file and the like, so that the digital currency payment can be normally carried out, and the convenience of the digital currency payment is improved. In addition, the security in the payment process of the digital currency is further improved by encrypting the two-dimensional code and/or encrypting the digital currency indicated by the two-dimensional code or the circulation identification of the digital currency.

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 a main flow of a payment method of digital money applied to a second client according to an embodiment of the present invention;

fig. 2 is a schematic diagram of a main flow of another method for payment of digital money applied to a second client according to an embodiment of the present invention;

fig. 3 is a schematic diagram of a main flow of still another payment method of digital money applied to a second client according to an embodiment of the present invention;

FIG. 4 is a schematic view of a main flow of a payment method of digital money applied to a second money management apparatus according to an embodiment of the present invention;

fig. 5 is a schematic diagram of a main flow of a payment method of digital money applied to a first client according to an embodiment of the present invention;

fig. 6 is a schematic diagram of a main flow of another payment method of digital money applied to a first client according to an embodiment of the present invention;

FIG. 7 is a schematic view of a main flow of a payment method of digital money applied to a first money management apparatus according to an embodiment of the present invention;

FIG. 8 is a schematic view of a main flow of another method for payment of digital money applied to a first money management apparatus according to an embodiment of the present invention;

FIG. 9 is a schematic diagram of the main modules of a second client for digital currency payment, according to an embodiment of the present invention;

FIG. 10 is a schematic diagram of the main modules of the second money management device for digital money payment according to the embodiment of the present invention;

FIG. 11 is a schematic diagram of the main modules of a first client for digital currency payment, according to an embodiment of the present invention;

FIG. 12 is a schematic diagram of the main modules of the first money management device for digital money payment according to the embodiment of the present invention;

fig. 13 is a schematic diagram of the main structure of a payment system for digital money according to an embodiment of the present invention;

fig. 14 is a main flow chart diagram of a payment method of digital money applied to a payment system of digital money according to an embodiment of the present invention;

FIG. 15 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;

fig. 16 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to 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 a main flow of a payment method of digital currency applied to a second client according to an embodiment of the present invention, as shown in fig. 1, the payment method of digital currency may specifically include the following steps:

step S101, a two-dimensional code provided by a first client side is obtained, and the two-dimensional code indicates first digital currency for payment or circulation identification corresponding to the first digital currency.

The digital money is money that can be used for various distribution operations in place of banknotes, and for example, the digital money is paid using the data money, transferred by a digital money holder, directly transferred, or the like. Specifically, the digital currency includes one or more of the following information: a distribution identifier of the digital money, an identifier of a digital money management apparatus to which the digital money belongs, and a signature of the digital money management apparatus. The circulation identifier of the digital currency refers to a unique circulation identifier (such as a crown word number) corresponding to the digital currency, and the circulation identifier can be in the form of a character string, a two-dimensional code or the like, so that the digital currency can be circulated conveniently.

The two-dimensional code is generated by the first client or the first money management device based on the first digital money or the circulation identification of the first digital money. The parsed two-dimensional code includes, for example, one or more of the following information: a first digital currency, a circulation identifier of the first digital currency, a first currency management device identifier, and a usage scenario of the first digital currency. The two-dimensional code can exist in various forms, such as directly stored in a user mobile terminal (such as a mobile phone, an IPAD and the like), a wearable device, or directly exist in a picture form, or a printed file and the like. Therefore, when the user provides the two-dimension code to the second client through the first client, the two-dimension code can be directly sent through communication connection between the two-dimension code and can also be directly displayed so that the second client can use a scanning gun or an intelligent terminal to scan the two-dimension code to obtain digital currency information indicated by the two-dimension code. That is, even if the first client processes an offline state, the payment transaction can be completed by providing the two-dimensional code carrying digital money.

Furthermore, in order to prevent other illegal terminals from impersonating the second client to perform payment transaction with the first client and the like when acquiring the two-dimensional code, the two-dimensional code may be encrypted by using the first key corresponding to the two-dimensional code encryption manner. The encryption mode can be any one or combination of a character string encryption mode (a character string encryption mode of letters, numbers or combination of letters and numbers), a question and answer mode, a voiceprint recognition mode, a face recognition mode and an image recognition mode, and keys corresponding to different encryption modes are different. Therefore, at present, only under the condition that the two-dimensional code and the corresponding first secret key are obtained, transaction can be normally carried out according to the two-dimensional code. Specifically, in the case where the two-dimensional code is an encrypted two-dimensional code, before sending a digital money cashing request to a second money management device corresponding to the second client, the second client needs to acquire a first key corresponding to the two-dimensional code encryption method from the first client, and decrypt the two-dimensional code using the first key, so as to acquire digital money information from the two-dimensional code.

In addition, in order to further ensure the payment security of the digital currency, the user of the first client encrypts the first digital currency or the circulation identification corresponding to the first digital currency according to the encryption mode corresponding to the denomination of the first digital currency. Meanwhile, the first money management device corresponding to the first client records the first digital money, the distribution identifier of the first digital money, the encryption method corresponding to the denomination of the first digital money, the second key corresponding to the encryption method, and the like in advance, so as to manage the digital money.

Based on this, when the first digital currency indicated by the two-dimensional code is encrypted first digital currency, or when the circulation identifier indicated by the two-dimensional code is encrypted circulation identifier, the second client needs to acquire a corresponding second key according to an encryption method corresponding to the denomination of the first digital currency, so as to add the second key to the digital currency exchange request when sending the digital currency exchange request to the second currency management device corresponding to the second client, that is, the digital currency exchange request indicates the two-dimensional code, or the first digital currency acquired after analyzing the two-dimensional code, or the circulation identifier, and the second key. That is, in order to take into account the security and convenience of payment using digital currency, different encryption modes can be set according to the transaction amount, for example, when the transaction amount is greater than a set threshold value, the payment of the digital currency is verified by adopting passwords of biological feature types such as voiceprint recognition and facial recognition; and when the transaction amount is smaller than the set threshold value, the payment of the digital currency is verified by adopting keys corresponding to the letter encryption mode and the digital encryption mode.

Specifically, the encryption method may be any one or a combination of a string encryption method (a string encryption method using letters, numbers, or a combination of letters and numbers), a question and answer method, a voiceprint recognition method, a face recognition method, and a picture recognition method. The keys corresponding to different encryption modes are different, for example, the key corresponding to the string encryption mode is a string of characters all in letters (letter encryption mode), or a string of characters all in numbers (number encryption mode), or a string of characters including both letters and numbers (encryption mode of combination of letters and numbers), the key corresponding to the question-and-answer mode is a combination of one or more pairs of questions and answers, the key corresponding to the voiceprint recognition mode is an audio file or a file in other format (e.g., a feature value extracted by a voiceprint recognition model) capable of representing a voiceprint of a user, the key corresponding to the face recognition mode is an image or a file in other format (e.g., a feature value extracted by a face recognition model) capable of representing a face feature of the user, and the key corresponding to the picture recognition mode is one or more images selected by the user. In addition, the user corresponding to the first client may customize the encryption mode, or the first money management device may define the encryption mode according to factors such as convenience of management or self-operation condition.

Step S102 is to send a digital money exchange request to a second money management device corresponding to a second client, where the digital money exchange request indicates the two-dimensional code, or the first digital money or the circulation identifier obtained after analyzing the two-dimensional code, so that the second money management device exchanges the second digital money corresponding to the first digital money to the first money management device corresponding to the first client.

It can be understood that, after acquiring the circulation identifier carrying the first digital currency or the first digital currency, the second client may directly analyze the two-dimensional code to acquire the first digital currency or the circulation identifier indicated by the two-dimensional code, or may directly send the two-dimensional code to the second currency management device to allow the second currency management device to analyze the two-dimensional code to acquire the first digital currency or the circulation identifier.

On the basis, the second money management device sends the first digital money or the circulation identification to the first money management device corresponding to the first client, so that the first money management device verifies the first digital money or the circulation identification. After receiving the first digital currency or the circulation identification sent by the second currency management device, the first currency management device can verify the first digital currency or the circulation identification according to the digital currency record corresponding to the first client as follows: judging whether the first digital currency or the circulation identification is recorded or stored first digital currency to verify the validity of the digital currency source; or according to the identification of the money management device indicated by the first digital money, judging whether the identification of the money management device is consistent with the identification of the first money management device, and verifying the validity of the digital money source; alternatively, the verification may be performed based on the signature of the money management device included in the first digital money, and if the signature of the money management device is generated using an asymmetric cryptographic algorithm, the first money management device may decrypt the signature of the money management device in the first digital money using a private key corresponding to the public key at the time of generating the signature information to verify the authenticity of the signature information. Therefore, the legality of the first digital currency source can be guaranteed, and the safety of digital currency exchange and payment can be guaranteed.

And under the condition that the first digital currency or the circulation identification passes verification, namely the first digital currency is confirmed to be legal, updating a digital currency record corresponding to the first currency management device, for example, recording the state of the first digital currency as unavailable or logging out the first digital currency to stop circulation of the first digital currency, updating the balance of the available digital currency corresponding to the first client, and the like.

In response to this, the second money management device, upon receiving a verification that the first digital money or the distribution identification has passed from the first money management device, generates a second digital money corresponding to the first digital money, the second digital money having a denomination matching the denomination of the first digital money. And meanwhile, updating the corresponding digital currency record of the second client, such as adding newly generated second digital currency, and recording the state of the second digital currency as a conductive state.

It should be noted that the digital money in the export state is in a negotiable state, that is, after the money management apparatus notifies the responding client of the digital money in the export state, the user of the client may perform various kinds of distribution operations on the digital money, for example, payment is performed using the digital money to realize transfer by the digital money holder, or the digital money is directly transferred, and the transferee of the digital money may perform further payment or transfer again using the digital money that is granted. In other words, the digital money in the lead-out state corresponds to a conventional banknote to some extent, and the holder of the digital money has the usage right.

On the basis, after the second digital currency is generated, the second currency management device can selectively inform the second client of the second digital currency or the circulation identification corresponding to the second digital currency. Therefore, the second client can selectively receive the second digital currency issued by the second currency management device or the circulation identification corresponding to the second digital currency.

Further, in a case where the first digital currency indicated by the two-dimensional code is encrypted first digital currency, or in a case where the circulation token indicated by the two-dimensional code is encrypted circulation token, the digital currency exchange request transmitted by the second client to the second currency management device further indicates a second key corresponding to the encryption scheme corresponding to the denomination of the first digital currency, acquired from the first client by the second client, so that the second currency management device transmits the first digital currency or the circulation token, and the second key to the first currency management device, so that the first currency management device verifies the first digital currency or the circulation token, and the second key. Specifically, the first money management device, after receiving the second key, determines whether the second key matches a key corresponding to the encryption scheme corresponding to the denomination of the recorded first money according to the digital money record corresponding to the first client, so as to determine the validity of the second key. If and only if the first digital currency identifier or the circulation identifier and the second key are verified, the first currency management device updates the digital currency record corresponding to the first client, and the second currency management device generates the second digital currency corresponding to the first digital currency.

It is worth mentioning that the money management devices corresponding to the first client and the second client may be the same or different, in order to realize the supervision of money circulation between different money management devices and avoid illegal transactions between different money management devices, so as to further ensure the validity and security of digital money, under the condition that the first money management device is different from the second money management device, the second money management device sends the first digital money or the circulation identification to the first money management device through a third-party money management device supervising different money management devices. Meanwhile, after the first money management apparatus verifies the first digital money or the distribution identification of the first digital money, the first money management apparatus also sends a corresponding verification result to the second money management apparatus via the third-party money management apparatus.

Based on the embodiment, the two-dimension code is used for bearing the digital currency or the circulation identification of the digital currency, and the two-dimension code is used for payment of the digital currency, so that the first client side and the second client side which perform payment transaction do not need to keep communication connection, and even if the first client side is in an off-line state, the two-dimension code can be displayed to the second client side through the pre-stored two-dimension code picture or file and the like, so that the payment of the digital currency is continuously and normally performed, and the convenience of the payment of the digital currency is improved. In addition, the security of the digital currency in the payment process is further improved by encrypting the two-dimensional code and/or encrypting the digital currency indicated by the two-dimensional code or the circulation identification of the digital currency.

Referring to fig. 2, on the basis of the foregoing embodiment, another payment method for digital currency applied to a second client is provided in the embodiment of the present invention, and the method may specifically include the following steps:

step S201, a two-dimensional code provided by a first client is obtained, where the two-dimensional code indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency.

Step S202, under the condition that the two-dimensional code is an encrypted two-dimensional code, acquiring a first secret key corresponding to the two-dimensional code encryption mode.

And step S203, decrypting the two-dimensional code by using the first key.

Step S204, a digital currency exchange request is sent to a second currency management device corresponding to a second client side, wherein the digital currency exchange request indicates the two-dimensional code or the first digital currency or the circulation identification acquired after the two-dimensional code is analyzed.

And under the condition that the second currency management device receives the two-dimensional code, the second currency management device analyzes the two-dimensional code to obtain the first digital currency or the circulation identification, and sends the first digital currency or the circulation identification to the first currency management device corresponding to the first client side so as to cash the second digital currency corresponding to the first digital currency.

Referring to fig. 3, on the basis of the foregoing embodiment, another payment method for digital currency applied to a second client is provided in the embodiment of the present invention, and the method may specifically include the following steps:

step S301, a two-dimensional code provided by a first client is obtained, and the two-dimensional code indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency.

Step S302, under the condition that the two-dimensional code is an encrypted two-dimensional code, acquiring a first secret key corresponding to the two-dimensional code encryption mode.

Step S303, decrypting the two-dimensional code using the first key.

Step S304, when the first digital currency indicated by the two-dimensional code is encrypted first digital currency, or when the circulation identifier indicated by the two-dimensional code is encrypted circulation identifier, acquiring a second key corresponding to an encryption method according to the encryption method corresponding to the denomination of the first digital currency.

That is, in order to take into account the security and convenience of payment using digital currency, different encryption modes can be set according to the transaction amount, for example, when the transaction amount is larger than a set threshold value, the payment of the digital currency is verified by adopting passwords of biological feature types such as voiceprint recognition, facial recognition and the like; and when the transaction amount is smaller than the set threshold value, the payment of the digital currency is verified by adopting keys corresponding to the letter encryption mode and the digital encryption mode.

Step S305, sending a digital currency exchange request to a second currency management device corresponding to a second client, where the digital currency exchange request indicates the two-dimensional code, or the first digital currency or the circulation identifier obtained after analyzing the two-dimensional code, and the second key.

And under the condition that the second currency management device receives the two-dimensional code, the second currency management device analyzes the two-dimensional code to obtain the first digital currency or the circulation identification, and sends the first digital currency or the circulation identification and the second key to the first currency management device corresponding to the first client side so as to cash the second digital currency corresponding to the first digital currency.

Referring to fig. 4, on the basis of the above embodiment, the embodiment of the present invention provides a method for payment of digital money applied to the second money managing apparatus, which may specifically include the steps of:

step S401, receiving a digital currency cashing request sent by a second client, where the digital currency cashing request indicates a two-dimensional code provided by a first client, or a first digital currency acquired after analyzing the two-dimensional code or a circulation identifier corresponding to the first digital currency.

And under the condition that the second currency management device receives the two-dimensional code, the second currency management device analyzes the two-dimensional code to obtain the first digital currency or the circulation identification, and sends the first digital currency or the circulation identification and the second key to the first currency management device corresponding to the first client side so as to exchange the second digital currency corresponding to the first digital currency.

In an alternative embodiment, in the case where the first digital currency is encrypted first digital currency, or in the case where the currency identifier is an encrypted currency identifier, the digital currency redemption request further indicates a second key corresponding to the encryption corresponding to the denomination of the first digital currency, such that the second currency management device sends the first digital currency or the currency identifier, and the second key to the first currency management device, such that the first currency management device verifies the first digital currency or the currency identifier, and the second key. Specifically, the first money management device, after receiving the second key, determines whether the second key matches a key corresponding to the encryption scheme corresponding to the denomination of the recorded first money according to the digital money record corresponding to the first client, so as to determine the validity of the second key. If and only if the first digital currency identifier or the circulation identifier and the second key are verified, the first currency management device updates the digital currency record corresponding to the first client, and the second currency management device generates the second digital currency corresponding to the first digital currency.

Step S402, sending the first digital currency or the circulation identifier to a first currency management device corresponding to the first client, so that the first currency management device verifies the first digital currency identifier or the circulation identifier.

After receiving the first digital currency or the circulation identification sent by the second currency management device, the first currency management device can verify the first digital currency or the circulation identification according to the digital currency record corresponding to the first client as follows: judging whether the first digital currency or the circulation identification is recorded or stored first digital currency to verify the legality of the digital currency source; or according to the identification of the money management device indicated by the first digital money, judging whether the identification of the money management device is consistent with the identification of the first money management device, and verifying the validity of the digital money source; alternatively, the verification may be performed based on the signature of the money management device included in the first digital money, and if the signature of the money management device is generated using an asymmetric cryptographic algorithm, the first money management device may decrypt the signature of the money management device in the first digital money using a private key corresponding to the public key at the time of generating the signature information to verify the authenticity of the signature information. Therefore, the legality of the source of the first digital currency can be guaranteed, and the safety of digital currency exchange can be guaranteed.

And when the first digital currency or the circulation identification passes verification, namely the first digital currency is confirmed to be legal, updating a digital currency record corresponding to the first currency management device, for example, recording the state of the first digital currency as unavailable or logging out the first digital currency to stop circulation of the first digital currency, updating the balance of the available digital currency corresponding to the first client, and the like.

Step S403, receiving a result of the verification of the first digital currency or the circulation identification by the first currency management apparatus.

Step S404, if the first digital currency or the circulation identifier passes verification, generating a second digital currency corresponding to the first digital currency, and updating a digital currency record corresponding to the second client.

It is to be understood that, in the case where the first digital currency indicated by the two-dimensional code is encrypted first digital currency, or in the case where the circulation identification indicated by the two-dimensional code is encrypted circulation identification, the first currency management device updates the digital currency record corresponding to the first client and the second currency management device generates second digital currency corresponding to the first digital currency if and only if the first digital currency identification or the circulation identification, and the second key, both verify.

Referring to fig. 5, on the basis of the foregoing embodiment, an embodiment of the present invention provides a method for paying digital currency applied to a first client, where the method may specifically include the following steps:

step S501, generating a two-dimensional code or receiving the two-dimensional code sent by a first currency management device corresponding to a first client, wherein the two-dimensional code indicates first digital currency for payment or circulation identification of the first digital currency.

And step S502, providing the two-dimensional code to a second client.

The two-dimensional code can exist in various forms, such as directly stored in a user mobile terminal (such as a mobile phone, an IPAD and the like), a wearable device, or directly exist in a picture form, or a printed file and the like. Therefore, when the user provides the two-dimension code to the second client through the first client, the two-dimension code can be directly sent through communication connection between the two-dimension code and can also be directly displayed so that the second client can use a scanning gun or an intelligent terminal to scan the two-dimension code to obtain digital currency information indicated by the two-dimension code. That is, even though the first client processes an offline state, the payment transaction can be completed by providing the two-dimensional code carrying digital money.

In an optional manner, when the two-dimensional code is an encrypted two-dimensional code, a first key corresponding to the two-dimensional code encryption manner is provided to the second client.

In an optional manner, in a case where the first digital currency indicated by the two-dimensional code is encrypted first digital currency, or in a case where the circulation identifier indicated by the two-dimensional code is an encrypted circulation identifier, a second key is provided to the second client according to an encryption manner corresponding to the denomination of the first digital currency.

Referring to fig. 6, on the basis of the foregoing embodiment, another method for paying digital currency applied to a first client is further provided in the embodiment of the present invention, and the method may specifically include the following steps:

step S601, generating a two-dimensional code or receiving the two-dimensional code sent by a first currency management device corresponding to a first client, where the two-dimensional code indicates a first digital currency for payment or a circulation identifier of the first digital currency.

Step S602, providing the two-dimensional code to a second client.

Step S603, in a case that the two-dimensional code is an encrypted two-dimensional code, providing a first key corresponding to the two-dimensional code encryption manner to the second client.

Step S604, in a case where the first digital currency indicated by the two-dimensional code is encrypted first digital currency, or in a case where the circulation identifier indicated by the two-dimensional code is encrypted circulation identifier, providing a second key to the second client according to an encryption method corresponding to the denomination of the first digital currency.

Referring to fig. 7, on the basis of the above embodiment, the embodiment of the present invention provides a method for paying digital money applied to a first money management device, which may specifically include the following steps:

step S701 is to receive the first digital currency for cashing sent by the second currency management apparatus or the circulation identifier corresponding to the first digital currency. Receiving a second key corresponding to an encryption scheme corresponding to the denomination of the first digital currency, which is transmitted by the second currency management device, when the first digital currency is encrypted first digital currency or when the circulation identifier is an encrypted circulation identifier;

in an optional embodiment, the method further comprises: and generating a two-dimensional code according to the first digital currency for payment or the circulation identification of the first digital currency, and sending the two-dimensional code to the first client.

Step S702, verifying the first digital currency or the circulation identifier according to the digital currency record corresponding to the first client.

After receiving the first digital currency or the circulation identification sent by the second currency management device, the first currency management device can verify the first digital currency or the circulation identification according to the digital currency record corresponding to the first client as follows: judging whether the first digital currency or the circulation identification is recorded or stored first digital currency to verify the legality of the digital currency source; or according to the identification of the money management device indicated by the first digital money, judging whether the identification of the money management device is consistent with the identification of the first money management device, and verifying the validity of the digital money source; alternatively, the verification may be performed based on the signature of the money management device included in the first digital money, and if the signature of the money management device is generated using an asymmetric cryptographic algorithm, the first money management device may decrypt the signature of the money management device in the first digital money using a private key corresponding to the public key at the time of generating the signature information to verify the authenticity of the signature information. Therefore, the legality of the first digital currency source can be guaranteed, and the safety of digital currency exchange and payment can be guaranteed.

Further, in the case where the first digital currency is encrypted first digital currency or the circulation identifier is encrypted circulation identifier, the second key corresponding to the encryption method corresponding to the denomination of the first digital currency, which is transmitted by the second currency management device, is received, and whether the second key matches the recorded key corresponding to the encryption method corresponding to the denomination of the first currency is determined according to the digital currency record corresponding to the first client, so as to determine the validity of the second key. If and only if the first digital currency identifier or the circulation identifier and the second key are verified, the first currency management device updates the digital currency record corresponding to the first client, and the second currency management device generates the second digital currency corresponding to the first digital currency.

Step S703 of transmitting the result of the verification of the first digital money or the distribution identification to a second money management apparatus, so that the second money management apparatus generates second digital money corresponding to the first digital money when the verification of the first digital money or the distribution identification is passed.

Step S704, updating the digital currency record corresponding to the first client when the first digital currency or the circulation identifier passes verification.

Referring to fig. 8, on the basis of the above embodiment, the embodiment of the present invention provides another method for payment of digital money applied to the first money management device, which may specifically include the steps of:

step S801, generating a two-dimensional code according to the first digital currency for payment or the circulation identifier of the first digital currency, and sending the two-dimensional code to the first client.

Step S802, receiving the first digital currency for cashing sent by the second currency management device or the circulation identification corresponding to the first digital currency, and a second key.

Step S803, verifying the first digital currency or the circulation identifier and the second key according to the digital currency record corresponding to the first client.

Step S804, sending the first digital currency or the circulation identifier and the verification result of the second key to a second currency management device, so that the second currency management device generates a second digital currency corresponding to the first digital currency when the first digital currency or the circulation identifier and the verification of the second key pass.

Step S805, if the first digital currency or the circulation identifier and the second key are verified, updating the digital currency record corresponding to the first client.

If and only if the first digital currency identifier or the circulation identifier and the second key are verified, the first currency management device updates the digital currency record corresponding to the first client, and the second currency management device generates the second digital currency corresponding to the first digital currency.

Referring to fig. 9, on the basis of the above embodiment, the embodiment of the present invention provides a second client 900 for digital currency payment, including: a two-dimensional code acquisition module 901 and a digital currency exchange and payment module 902; wherein the content of the first and second substances,

the two-dimensional code obtaining module 901 is configured to obtain a two-dimensional code provided by a first client, where the two-dimensional code indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency;

the digital currency exchanging and paying module 902 is configured to send a digital currency exchanging and paying request to a second currency management apparatus corresponding to a second client, where the digital currency exchanging and paying request indicates the two-dimensional code, or the first digital currency or the circulation identifier obtained after analyzing the two-dimensional code, so that the second currency management apparatus exchanges and pays the second digital currency corresponding to the first digital currency to the first currency management apparatus corresponding to the first client.

In an optional implementation manner, the two-dimensional code obtaining module 901 is further configured to,

and decrypting the two-dimensional code by using the first key.

In an alternative embodiment, the digital currency redemption module 902 is further configured to,

and sending a digital currency exchange request to a second currency management device corresponding to a second client, wherein the digital currency exchange request indicates the first digital currency or the circulation identification and the second key.

In an alternative embodiment, the two-dimensional code is generated by the first client or the first money management apparatus based on the first digital money or the circulation id.

In an optional embodiment, the two-dimensional code further indicates one or more of the following information: the first money management device identification, a usage scenario of the first digital money.

Referring to fig. 10, on the basis of the above embodiment, the embodiment of the present invention provides a second money management device 1000 for digital money payment, including: a cash request receiving module 1001, a digital money transmitting module 1002, a verification result receiving module 1003, and a digital money generating module 1004; wherein, the first and the second end of the pipe are connected with each other,

the cash request receiving module 1001 is configured to receive a digital currency cash request sent by a second client, where the digital currency cash request indicates a two-dimensional code provided by a first client, or a first digital currency obtained after the two-dimensional code is analyzed, or a circulation identifier corresponding to the first digital currency;

the digital currency sending module 1002 is configured to send the first digital currency or the circulation identifier to a first currency management apparatus corresponding to the first client, so that the first currency management apparatus verifies the first digital currency identifier or the circulation identifier;

the verification result receiving module 1003 is configured to receive a verification result of the first money management apparatus on the first digital money or the circulation id;

the digital currency generating module 1004 is configured to generate a second digital currency corresponding to the first digital currency and update a digital currency record corresponding to the second client if the first digital currency or the circulation identifier is verified.

In an alternative embodiment, in the case where the first digital currency is an encrypted first digital currency, or in the case where the currency identifier is an encrypted currency identifier, the digital currency redemption request further indicates a second key corresponding to the encryption mode corresponding to the denomination of the first digital currency.

Referring to fig. 11, on the basis of the above embodiment, an embodiment of the present invention provides a first client 1100 for digital currency payment, including: a two-dimensional code generation module 1101 and a two-dimensional code providing module 1102; wherein the content of the first and second substances,

the two-dimensional code generation module 1101 is configured to generate a two-dimensional code or receive the two-dimensional code sent by a first currency management device corresponding to a first client, where the two-dimensional code indicates a first digital currency for payment or a circulation identifier of the first digital currency;

the two-dimension code providing module 1102 is configured to provide the two-dimension code to a second client.

In an optional embodiment, the two-dimensional code providing module 1101 is further configured to,

and under the condition that the two-dimensional code is the encrypted two-dimensional code, providing a first key corresponding to the two-dimensional code encryption mode to the second client.

Referring to fig. 12, on the basis of the above embodiment, an embodiment of the present invention provides a first money management apparatus 1200 for digital money payment, including: a digital currency receiving module 1202, a digital currency verifying module 1203, a verification result sending module 1204, a currency record detailing module 1205; wherein, the first and the second end of the pipe are connected with each other,

the digital currency receiving module 1202 is configured to receive a first digital currency sent by a second currency management device for cashing or a circulation identifier corresponding to the first digital currency;

the digital currency verification module 1203 is configured to verify the first digital currency or the circulation identifier according to a digital currency record corresponding to the first client;

the verification result sending module 1204 is configured to send a verification result of the first digital currency or the circulation identifier to a second currency management apparatus, so that the second currency management apparatus generates second digital currency corresponding to the first digital currency when the first digital currency or the circulation identifier passes verification;

the currency record detailing module 1205 is configured to update the digital currency record corresponding to the first client if the first digital currency or the circulation identifier is verified.

In an optional embodiment, the method further comprises: a two-dimensional code generation module 1201; wherein the content of the first and second substances,

the two-dimensional code generating module 1201 is configured to generate a two-dimensional code according to a first digital currency for payment or a circulation identifier of the first digital currency, and send the two-dimensional code to the first client.

In an optional embodiment, the digital currency receiving module 1202 is further configured to receive, if the first digital currency is encrypted first digital currency or if the circulation identifier is an encrypted circulation identifier, a second key corresponding to an encryption manner corresponding to the denomination of the first digital currency, where the second key is sent by the second currency management device;

and the verification result sending module is further configured to verify the second key according to the digital currency record corresponding to the first client.

Referring to fig. 13, on the basis of the above embodiment, the embodiment of the present invention provides a payment system 1300 for digital currency, including: a first client 1301, a second client 1302, a first money management device 1303 corresponding to the first client, and a second money management device 1304 corresponding to the second client; wherein, the first and the second end of the pipe are connected with each other,

the first client 1301 is configured to provide a two-dimensional code to the second client, where the two-dimensional code indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency;

the second client 1302, configured to receive the two-dimensional code, and send a digital currency exchange request to the second currency management device, where the digital currency exchange request indicates the two-dimensional code, or the first digital currency or the circulation identifier obtained after analyzing the two-dimensional code;

the second money management apparatus 1304 for remitting a second digital money corresponding to the first digital money to the first money management apparatus in accordance with the digital money remittance request;

the first money management device 1303 is configured to verify the first digital money or the circulation id.

It is worth mentioning that the currency management devices corresponding to the first client and the second client may be the same or different, in order to realize the supervision of currency circulation between different currency management devices and avoid illegal transactions between different currency management devices, so as to further ensure the validity and safety of digital currency, and under the condition that the first currency management device is different from the second currency management device, the second currency management device sends the first digital currency or the circulation identification to the first currency management device through a third-party currency management device which supervises different currency management devices. Meanwhile, after the first money management apparatus verifies the first digital money or the circulation identification of the first digital money, the first money management apparatus also sends a corresponding verification result to the second money management apparatus through the third-party money management apparatus.

Referring to fig. 14, on the basis of the above embodiment, the embodiment of the present invention provides a method for paying digital currency, which is applied to a payment system for digital currency, and the method specifically includes the following steps:

in step S1401, a first client provides a two-dimensional code indicating a first digital currency or an identifier of the first digital currency to a second client. The two-dimensional code may be a two-dimensional code generated directly by the first client based on the first digital currency or the circulation identifier, or may be a two-dimensional code generated by the first currency management device received by the first client.

In step S1402, the second client receives the two-dimensional code sent by the first client. The second client side can directly analyze the two-dimension code to obtain the first digital currency or the circulation identification, and can also directly send the two-dimension code to the corresponding second currency management device so that the second currency management device can analyze the two-dimension code to obtain the corresponding first digital currency or the circulation identification.

Step S1403, in the case that the two-dimensional code is an encrypted two-dimensional code, the first client sends a first key corresponding to the two-dimensional code encryption manner to the second client.

In step S1404, when the two-dimensional code is an encrypted two-dimensional code, the second client transmits, to the first client, the first key corresponding to the two-dimensional code encryption method.

In step S1405, the second client decrypts the two-dimensional code using the first key.

In step S1406, when the first digital currency indicated by the two-dimensional code is encrypted first digital currency, or when the circulation identifier indicated by the two-dimensional code is encrypted circulation identifier, the first client provides the second client with a second key corresponding to the encryption method corresponding to the denomination of the first digital currency.

Step S1407, in a case that the first digital currency indicated by the two-dimensional code is encrypted first digital currency or in a case that the circulation identifier indicated by the two-dimensional code is encrypted circulation identifier, the second client acquires the second key provided by the first client.

Step S1408, the second client sends a digital currency exchange request to the corresponding second currency management device, where the digital currency exchange request indicates the two-dimensional code, or the first digital currency or the circulation identifier obtained after analyzing the two-dimensional code.

Step S1409, the second money management device receives the digital money exchange request sent by the second client, and analyzes the two-dimensional code to obtain the first digital money or the circulation identifier when the digital money exchange request indicates the two-dimensional code.

In step S1410, the second money management apparatus sends the first digital money or the circulation id and the second key to the first money management apparatus corresponding to the first client.

In step S1411, the first money management device receives the first digital money or the circulation identification transmitted from the second money management device, and the second key.

In step S1412, the first money management device verifies the first digital money or the circulation id, and the second key.

In step S1413, the first money management apparatus transmits the first digital money or the circulation identification, and the verification result of the second key to the second money management apparatus.

In step S1414, the second money management device receives the first digital money or the circulation identification, and the verification result of the second key.

In step S1415, after the first digital currency or the circulation identifier and the second key verification pass, the first currency management device updates the digital currency record corresponding to the first client.

In step S1416, after the first digital currency or the distribution identification and the second key verification pass, the second currency management device generates the second digital currency corresponding to the first digital currency.

In step S1417, the second money management device updates the digital money record corresponding to the first client.

In step S1418, the second money management apparatus issues the second digital money or a circulation identifier corresponding to the second digital money identifier to the second client.

In step S1419, the second client receives the second digital currency sent by the second currency management device or the circulation identifier corresponding to the second digital currency identifier.

Fig. 15 shows an exemplary system architecture 1500 of a payment method of digital money or a payment apparatus of digital money to which an embodiment of the present invention can be applied.

As shown in fig. 15, the system architecture 1500 may include

terminal devices

1501, 1502, 1503, a network 1504 and a server 1505. The network 1504 is used to provide a medium for communication links between

terminal devices

1501, 1502, 1503 and the server 1505. Network 1504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

A user may use

terminal devices

1501, 1502, 1503 to interact with a server 1505 over a network 1504 to receive or send messages or the like. The

terminal devices

1501, 1502 and 1503 may be installed with various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, and the like.

The

terminal devices

1501, 1502, 1503 may be various electronic devices having display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 1505 may be a server providing various services, for example, a background management server providing support for shopping websites browsed by the user using the

terminal devices

1501, 1502, 1503. The background management server can analyze and process the received data such as the product information query request and the like, and feed back the processing result to the terminal equipment.

It should be noted that the payment method for digital money provided by the embodiment of the present invention is generally performed by the server 1505, and accordingly, the payment apparatus for digital money is generally disposed in the server 1505.

It should be understood that the number of terminal devices, networks, and servers in fig. 15 are merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 16, shown is a block diagram of a computer system 1600 suitable for use in implementing a terminal device of an embodiment of the present invention. The terminal device shown in fig. 16 is only an example, and should not bring any limitation to the function and the use range of the embodiment of the present invention.

As shown in fig. 16, the computer system 1600 includes a Central Processing Unit (CPU) 1601 which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM) 1602 or a program loaded from a storage portion 1608 into a Random Access Memory (RAM) 1603. In the RAM 1603, various programs and data necessary for the operation of the system 1600 are also stored. The CPU 1601, ROM 1602, and RAM 1603 are connected to one another via a bus 1604. An input/output (I/O) interface 1605 is also connected to the bus 1604.

The following components are connected to the I/O interface 1605: an input portion 1606 including a keyboard, a mouse, and the like; an output portion 1607 including components such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 1608 including a hard disk and the like; and a communication section 1609 including a network interface card such as a LAN card, a modem, or the like. The communication section 1609 performs communication processing via a network such as the internet. A driver 1610 is also connected to the I/O interface 1605 as needed. A removable medium 1611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1610 as necessary, so that a computer program read out therefrom is mounted in the storage portion 1608 as necessary.

In particular, according to embodiments of the present disclosure, the processes described above with reference to the flow diagrams 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 embodiments, the computer program may be downloaded and installed from a network through the communication part 1609, and/or installed from the removable medium 1611. The above-described functions defined in the system of the present invention are executed when the computer program is executed by the Central Processing Unit (CPU) 1601.

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 invention, 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 contrast, in the present invention, 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 any of a variety of 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 invention. 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 a two-dimensional code acquisition module and a digital currency exchange module. The names of these modules do not constitute a limitation to the module itself in some cases, for example, the two-dimensional code obtaining module may also be described as a "module for obtaining a two-dimensional code provided by a first client".

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: the method comprises the steps of obtaining a two-dimension code provided by a first client, wherein the two-dimension code indicates first digital currency used for payment or circulation identification corresponding to the first digital currency; and sending a digital money exchange request to a second money management device corresponding to a second client, wherein the digital money exchange request indicates the two-dimensional code or the first digital money or the circulation identifier acquired after the two-dimensional code is analyzed, so that the second money management device exchanges the second digital money corresponding to the first digital money to the first money management device corresponding to the first client.

According to the technical scheme of the embodiment of the invention, the two-dimension code is used for bearing the digital currency or the circulation identification of the digital currency, and the two-dimension code is used for paying the digital currency, so that the first client and the second client which are used for paying the transaction do not need to keep communication connection, and the two-dimension code can be displayed to the second client through the pre-stored two-dimension code picture or file and the like even if the first client is in an off-line state, so that the digital currency payment is continuously and normally carried out, and the convenience of the digital currency payment is improved. In addition, the security in the payment process of the digital currency is further improved by encrypting the two-dimensional code and/or encrypting the digital currency indicated by the two-dimensional code or the circulation identification of the digital currency.

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

1. A payment method of digital currency is applied to a second client side and comprises the following steps:

and sending a digital currency exchange request to a second currency management device corresponding to a second client, wherein the digital currency exchange request indicates the two-dimensional code or the first digital currency or the circulation identification acquired after the two-dimensional code is analyzed, so that the second currency management device exchanges the second digital currency corresponding to the first digital currency to the first currency management device corresponding to the first client.

2. The method of paying for digital currency according to claim 1, further comprising:

and decrypting the two-dimensional code by using the first key.

3. The method of paying for digital currency according to claim 1, further comprising:

and sending a digital currency cashing request to a second currency management device corresponding to a second client, wherein the digital currency cashing request indicates the two-dimensional code, or the first digital currency or the circulation identifier obtained after the two-dimensional code is analyzed, and the second key.

4. The payment method of digital money according to claim 1,

the two-dimensional code is generated by the first client or the first money management device according to the first digital money or the circulation identification.

5. The payment method of digital money according to claim 4,

the two-dimensional code also indicates one or more of the following information: the first money management device identification, a usage scenario of the first digital money.

6. A payment method for digital money applied to a second money management device, comprising:

sending the first digital currency or the circulation identification to a first currency management device corresponding to the first client side, so that the first currency management device verifies the first digital currency identification or the circulation identification;

7. The payment method of digital money according to claim 6,

in the case where the first digital currency is encrypted first digital currency or the circulation identifier is encrypted circulation identifier, the digital currency exchange request further indicates a second key corresponding to an encryption method corresponding to the denomination of the first digital currency.

8. A payment method of digital currency is applied to a first client side and comprises the following steps:

and providing the two-dimensional code to a second client.

9. The method of paying for digital currency according to claim 8, further comprising:

10. The method of payment in digital currency according to claim 8, further comprising:

11. A payment method of digital money, applied to a first money management apparatus, comprising:

12. A method of payment of digital currency according to claim 11, further comprising:

13. A method of payment of digital currency according to claim 11, further comprising:

receiving a second key corresponding to an encryption scheme corresponding to the denomination of the first digital currency, the second key being transmitted by the second currency management device, when the first digital currency is encrypted first digital currency or when the distribution identifier is an encrypted distribution identifier;

14. A second client for digital currency payment, comprising: the two-dimensional code acquisition module and the digital currency exchange and payment module are arranged on the mobile terminal; wherein the content of the first and second substances,

the digital currency exchange module is used for sending a digital currency exchange request to a second currency management device corresponding to a second client side, wherein the digital currency exchange request indicates the two-dimensional code or the first digital currency or the circulation identification acquired after the two-dimensional code is analyzed, so that the second currency management device exchanges the second digital currency corresponding to the first digital currency to a first currency management device corresponding to the first client side.

15. The second client according to claim 14, wherein the two-dimensional code obtaining module is further configured to,

and decrypting the two-dimensional code by using the first key.

16. The second client according to claim 14, wherein the digital currency redemption module is further configured to,

17. The second client of claim 14,

18. The second client of claim 17,

19. A second money management device for digital money payment, comprising: the system comprises a cashing request receiving module, a digital currency sending module, a verification result receiving module and a digital currency generating module; wherein the content of the first and second substances,

the system comprises a cashing request receiving module and a cashing request sending module, wherein the cashing request receiving module is used for receiving a digital currency cashing request sent by a second client, and the digital currency cashing request indicates a two-dimensional code provided by a first client, or a first digital currency acquired after the two-dimensional code is analyzed or a circulation identifier corresponding to the first digital currency;

and the digital currency generating module is used for generating second digital currency corresponding to the first digital currency and updating a digital currency record corresponding to the second client under the condition that the first digital currency or the circulation identification passes verification.

20. The second money management device according to claim 19, wherein,

21. A first client for digital currency payment, comprising: the two-dimension code generating module and the two-dimension code providing module are arranged in the mobile terminal; wherein the content of the first and second substances,

22. The first client of claim 21, wherein the two-dimensional code providing module is further configured to,

23. The first client of claim 22, wherein the two-dimensional code providing module is further configured to,

and providing a second key to the second client according to an encryption mode corresponding to the denomination of the first digital currency under the condition that the first digital currency indicated by the two-dimensional code is encrypted first digital currency or the circulation identification indicated by the two-dimensional code is encrypted circulation identification.

24. A first money management device for digital money payment, comprising: the system comprises a digital currency receiving module, a digital currency verification module, a verification result sending module and a currency record detailing module; wherein, the first and the second end of the pipe are connected with each other,

the digital currency receiving module is used for receiving first digital currency for cash sent by a second currency management device or a circulation identifier corresponding to the first digital currency;

the verification result sending module is used for sending the verification result of the first digital currency or the circulation identification to a second currency management device so as to enable the second currency management device to generate second digital currency corresponding to the first digital currency under the condition that the first digital currency or the circulation identification passes verification;

25. The first money management device according to claim 24, further comprising: a two-dimensional code generation module; wherein the content of the first and second substances,

the two-dimension code generating module is used for generating a two-dimension code according to the first digital currency for payment or the circulation identification of the first digital currency, and sending the two-dimension code to the first client.

26. The first money management device according to claim 24, wherein,

the digital currency receiving module is further configured to receive a second key corresponding to an encryption scheme corresponding to the denomination of the first digital currency, which is sent by the second currency management device, when the first digital currency is encrypted first digital currency or when the circulation identifier is an encrypted circulation identifier;

27. A payment system for digital currency, comprising: the system comprises a first client, a second client, a first currency management device corresponding to the first client and a second currency management device corresponding to the second client; wherein, the first and the second end of the pipe are connected with each other,

28. An electronic device for digital currency payment, comprising:

one or more processors;

a storage device 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 1-5.

29. 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 1-5.