CN115222402A - Payment method, device and system of digital currency - Google Patents

Payment method, device and system of digital currency Download PDF

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Publication number
CN115222402A
CN115222402A CN202110414096.6A CN202110414096A CN115222402A CN 115222402 A CN115222402 A CN 115222402A CN 202110414096 A CN202110414096 A CN 202110414096A CN 115222402 A CN115222402 A CN 115222402A
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digital
currency
money
digital currency
client
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Inventor
穆长春
狄刚
崔沛东
赵新宇
施展
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Digital Currency Institute of the Peoples Bank of China
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Digital Currency Institute of the Peoples Bank of China
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Priority to CN202110414096.6A priority Critical patent/CN115222402A/en
Priority to PCT/CN2022/087200 priority patent/WO2022218424A1/en
Priority to EP22787646.3A priority patent/EP4325413A1/en
Publication of CN115222402A publication Critical patent/CN115222402A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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

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: receiving a payment request sent by a first client, wherein the payment request indicates a first digital currency for payment or a 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 according to the first digital money or the circulation identification, 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. This embodiment can directly use digital currency to pay on the basis of guaranteeing digital goods security, has improved the convenience of payment and has reduced payment cost.

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, embodiments of the present invention provide a method, an apparatus, and a system for paying digital money, which can directly use digital money for payment on the basis of ensuring security of digital goods, thereby improving convenience of payment and reducing payment cost.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method for paying digital currency, applied to a client, including:
receiving a payment request sent by a first client, wherein the payment request indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency;
and sending a digital currency exchange request to a second currency management device corresponding to a second client according to the first digital currency or the circulation identification so as to enable the second currency management device to exchange second digital currency corresponding to the first digital currency to a first currency management device corresponding to the first client.
Optionally, the method further comprises:
and receiving the second digital money issued by the second money management device when the second money management device completes the cashing of the second digital money.
Optionally, the second money management apparatus remitting the second digital money corresponding to the first digital money to the first money management apparatus corresponding to the first client includes:
sending the first digital currency or the circulation identification to the first currency management device to enable the first currency management device to verify the first digital currency or the circulation identification;
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.
Alternatively, in a case where the first money management apparatus is different from the second money management apparatus, the second money management apparatus sends the first digital money or the circulation identification to the first money management apparatus via a third-party money management apparatus.
Optionally, the first money management apparatus updates the digital money record corresponding to the first client after the first digital money or the circulation identification is verified.
Optionally, the method further comprises:
under the condition that the first digital currency or the circulation identification is encrypted first digital currency or circulation identification, acquiring a 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 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 a key corresponding to the encryption mode.
In order to achieve the above object, according to another aspect of the embodiments of the present invention, there is provided a payment apparatus for digital money, applied to a client, including: the payment request receiving module and the digital currency cashing module; wherein the content of the first and second substances,
the payment request receiving module is used for receiving a payment request sent by a first client, wherein the payment request indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency;
and 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 according to the first digital currency or the circulation identification so as to enable the second currency management device to exchange and pay the second digital currency corresponding to the first digital currency to a first currency management device corresponding to the first client.
Optionally, the method further comprises: a digital currency receiving module; wherein the content of the first and second substances,
the digital currency receiving module is configured to receive the second digital currency issued by the second currency management device when the second currency management device completes the redemption of the second digital currency.
Optionally, the second money management apparatus remitting the second digital money corresponding to the first digital money to the first money management apparatus corresponding to the first client includes:
sending the first digital currency or the circulation identification to the first currency management device to enable the first currency management device to verify the first digital currency or the circulation identification;
and if the first digital currency or the circulation identification passes verification, generating a second digital currency corresponding to the first digital currency, and updating a digital currency record corresponding to the second client.
Alternatively, in a case where the first money management apparatus is different from the second money management apparatus, the second money management apparatus sends the first digital money or the circulation identification to the first money management apparatus via a third-party money management apparatus.
Optionally, the first money management apparatus updates the digital money record corresponding to the first client after the first digital money or the circulation identification is verified.
Optionally, the digital currency redemption module is further operable to,
under the condition that the first digital currency or the circulation identification is encrypted first digital currency or circulation identification, acquiring a 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 first digital currency or the circulation identification and a key corresponding to the encryption mode.
To achieve the above object, according to still another 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 content of the first and second substances,
the first client is used for sending a payment request to the second client;
the second client is used for receiving a payment request sent by the first client, wherein the payment request indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency, and sending a digital currency cashing request to a second currency management device corresponding to the second client according to the first digital currency or the circulation identifier;
the second currency management device is used for paying a second digital currency corresponding to the first digital currency to a first currency management device corresponding to the first client according to the digital currency exchange request;
the first money management device is configured to verify the first digital money or the circulation identification.
Optionally, the method further comprises: a third-party money management device; wherein, the first and the second end of the pipe are connected with each other,
the third-party money management apparatus is configured to send the first digital money or the circulation identification to the first money management apparatus in a case where the first money management apparatus is different from the second money management apparatus.
To achieve the above object, according to still another 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 one of the methods of payment of digital currency described above.
To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided a computer-readable medium on which a computer program is stored, the program, when executed by a processor, implementing any one of the methods for payment of digital money as described above.
The invention has the following advantages or beneficial effects: in the actual transaction process, the first client side can directly initiate a payment request to the second client side, wherein the payment request indicates the first digital currency for payment or the circulation identification corresponding to the first digital currency, so that the second client side can apply to the second currency management device for paying the first digital currency into the second digital currency which belongs to the second client side according to the received first digital currency or the circulation identification, and the circulation of the digital currency among different client sides is realized; in addition, during the process of cashing the second digital currency by the second currency management device, the first digital currency or the circulation identification can be verified by the first currency management device, so that the safety and the legality of the digital currency during the payment process are ensured.
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 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 client according to an embodiment of the present invention;
fig. 3 is a schematic diagram of a main flow of still another method of payment of digital money applied to a client according to an embodiment of the present invention;
fig. 4 is a schematic diagram of main modules of a payment apparatus for digital money according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of the main modules of a payment system arrangement for digital currency according to an embodiment of the present invention;
fig. 6 is a schematic view of a main flow of a payment method apparatus for digital money applied to a payment system for digital money according to an embodiment of the present invention;
FIG. 7 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;
fig. 8 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 for digital currency applied to a client according to an embodiment of the present invention, and as shown in fig. 1, the payment method for digital currency may specifically include the following steps:
step S101, receiving a payment request sent by a first client, wherein the payment request indicates a first digital currency for payment or a circulation identifier 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, payment is performed using the digital money, transfer by a digital money holder is achieved, or direct transfer of digital money is performed. 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 identification of the digital currency refers to a unique circulation identification (such as a crown word number) corresponding to the digital currency, and the circulation identification can be in the form of a character string, a two-dimensional code and the like, so that the circulation of the digital currency is facilitated.
Step S102 of sending a digital money exchange request to a second money management apparatus corresponding to a second client, based on the first digital money or the distribution identifier, so that the second money management apparatus exchanges the second digital money corresponding to the first digital money to the first money management apparatus corresponding to the first client. In this way, the second money management device can exchange the first digital money into the second digital money attributed to the second client based on the first digital money or the circulation identifier, thereby realizing the transfer of the digital money between different clients to complete transactions such as payment.
Specifically, the second money management apparatus remitting the second digital money corresponding to the first digital money to the first money management apparatus corresponding to the first client includes: transmitting the first digital money or the circulation identification to the first money management apparatus to cause the first money management apparatus to verify the first digital money or the circulation identification; and if the first digital currency or the circulation identification 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 understood that the money management apparatus records and stores the digital money and/or the corresponding circulation identification derived or generated by the money management apparatus so as to uniformly manage the digital money. Therefore, after the first money management apparatus receives the first digital money or the circulation identification sent from the second money management apparatus, it can be verified 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 device notifies the corresponding client of the digital money in the export state, the user of the client may perform various kinds of circulation operations on the digital money, for example, pay using the digital money to realize the transfer of the holder of the digital money, or directly transfer the digital money, and the transferee of the digital money may pay again or transfer again using the digital money. In other words, the digital money in the export state corresponds to a conventional paper money to some extent, and the holder of the digital money has the right of use.
On the basis, after the second digital currency is generated, the second currency management device can selectively notify the second client of the second digital currency or a circulation identifier 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.
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.
In addition, in order to further ensure the security of the digital currency, the user of the first client may encrypt the first digital currency or the circulation identifier when paying by using the first digital currency or the circulation identifier corresponding to the first digital currency, that is, set a payment password for the first digital currency or the circulation identifier, so that the second client can continue to normally complete payment only when being able to obtain a correct payment password. 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 letters (letter encryption mode), or a string of characters all numbers (number encryption mode), or a string of characters containing both letters and numbers (letter and number combined encryption mode), the key corresponding to the question-answer mode is a combination of one or more pairs of questions and answers, the key corresponding to the voiceprint recognition mode is a file (such as a feature value extracted through a voiceprint recognition model) capable of representing the voiceprint of the user in audio or other formats, the key corresponding to the face recognition mode is a file (such as a feature value extracted through a face recognition model) capable of representing the face features of the user in images or other formats, and the key corresponding to the image 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.
Based on this, when the first digital currency or the circulation identification is encrypted first digital currency or circulation identification, acquiring a 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 first digital currency or the circulation identification and a key corresponding to the encryption mode.
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 an alphabetic encryption mode and a digital encryption mode.
Specifically, the first money device stores in advance encryption modes corresponding to different transaction amounts and keys corresponding to the encryption modes. When the second client receives the payment request of the first client, the user of the second client can directly input the payment password informed by the user of the first client, or directly input the voiceprint audio and other payment passwords by the user of the first client, and the payment password is added into the digital currency cash payment request at the second client and is sent to the second currency management device, so that the second currency management device sends the first digital currency or the circulation identification and the payment password to the first currency management device. Based on this, when the first money management device receives the first digital money or the circulation identifier and the payment password sent by the second money management device, the first money management device verifies the received payment password according to the payment password corresponding to the pre-stored transaction amount, so as to ensure the validity of the user identity of the first client, and further ensure the payment security of the digital money.
Based on the payment method for digital currency provided by the above embodiment, in an actual transaction process, a first client may directly initiate a payment request to a second client, where the payment request indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency, so that the second client may apply to a second currency management device for cashing the first digital currency into a second digital currency attributed to the second client according to the received first digital currency or circulation identifier, thereby implementing circulation of digital currency between different clients; in addition, during the process of cashing the second digital currency by the second currency management device, the first digital currency or the circulation identification can be verified by the first currency management device, so that the safety and the legality of the digital currency during the payment process are ensured.
Referring to fig. 2, on the basis of the foregoing embodiment, an embodiment of the present invention provides another digital currency payment method applied to a client, which may specifically include the following steps:
step S201, receiving a payment request sent by a first client, where the payment request indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency.
Step S202, according to the first digital currency or the circulation identifier, sending a digital currency exchange request to a second currency management apparatus corresponding to a second client, so that the second currency management apparatus exchanges the second digital currency corresponding to the first digital currency to a first currency management apparatus corresponding to the first client.
Step S203, receiving the second digital money delivered from the second money management device when the second money management device completes the redemption of the second digital money.
Specifically, after the second money management device generates the second digital money and/or the circulation identifier of the second digital money, the second money management device may selectively notify the second client of the second digital money or the circulation identifier corresponding to the second digital money, and the second client may receive the second digital money or the circulation identifier corresponding to the second digital money issued by the second money management device.
Referring to fig. 3, on the basis of the foregoing embodiment, an embodiment of the present invention provides another digital currency payment method applied to a client, which may specifically include the following steps:
step S301, receiving a payment request sent by a first client, where the payment request indicates the encrypted first digital currency for payment or a circulation identifier corresponding to the first digital currency.
That is to say, the user of the first client sets the payment password for the first digital currency or the circulation identifier, so that the second client can continue to normally complete payment only when the second client can obtain the correct payment password. 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. Meanwhile, in order to take account of the safety and convenience of payment by using the 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 an alphabetic encryption mode and a digital encryption mode.
Step S302, obtaining a key corresponding to the encryption mode according to the encryption mode corresponding to the denomination of the first digital currency.
When the second client receives the payment request of the first client, the user of the second client can directly input the payment password informed by the user of the first client, or directly input the payment password such as voiceprint audio and the like by the user of the first client, and the payment password is added into the digital currency cashing request by the second client and is sent to the second currency management device, so that the second currency management device sends the first digital currency or the circulation identifier and the payment password to the first currency management device.
Step S303 is performed to send a digital money exchange request to a second money management apparatus corresponding to a second client, the digital money exchange request indicating the first digital money or the distribution identifier and a key corresponding to the encryption scheme, so that the second money management apparatus transfers the second digital money corresponding to the first digital money to the first money management apparatus corresponding to the first client.
When the first currency management device receives the first digital currency or the circulation identification and the payment password sent by the second currency management device, the first currency management device verifies the received payment password according to the payment password corresponding to the pre-stored transaction amount so as to ensure the validity of the user identity of the first client side and further ensure the payment security of the digital currency.
Step S304, in a case where the second money management apparatus has completed cashing the second digital money, receives the second digital money issued by the second money management apparatus.
Referring to fig. 4, there is provided a payment apparatus 400 of digital money applied to a client based on the above embodiment, including: a payment request receiving module 401, a digital currency cashing module 402; wherein the content of the first and second substances,
the payment request receiving module 401 is configured to receive a payment request sent by a first client, where the payment request indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency;
the digital money cashing module 402 is configured to send a digital money cashing request to a second money management device corresponding to a second client according to the first digital money or the circulation identifier, so that the second money management device pays the second digital money corresponding to the first digital money to the first money management device corresponding to the first client.
In an alternative embodiment, the payment apparatus 400 for digital currency further comprises: a digital currency receiving module 403; wherein the content of the first and second substances,
the digital money receiving module 403 is configured to receive the second digital money issued by the second money management device when the second money management device completes the redemption of the second digital money.
In an alternative embodiment, the second money management apparatus remitting the second digital money corresponding to the first digital money to the first money management apparatus corresponding to the first client includes:
sending the first digital currency or the circulation identification to the first currency management device to enable the first currency management device to verify the first digital currency or the circulation identification;
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.
In an alternative embodiment, in a case where 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 via a third party money management device.
In an alternative embodiment, the first money management apparatus updates the digital money record corresponding to the first client after the first digital money or the circulation identification is verified.
In an optional embodiment, the digital currency cashing module 402 is further configured to, in a case that the first digital currency or the circulation identifier is encrypted first digital currency or circulation identifier, obtain a key corresponding to an encryption manner according to an encryption manner corresponding to a denomination of the first digital currency;
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 a key corresponding to the encryption mode.
Referring to fig. 5, on the basis of the above embodiment, the embodiment of the present invention provides a payment system 500 for digital currency, including: a first client 501, a second client 502, a first money management device 503 corresponding to the first client, and a second money management device 504 corresponding to the second client; wherein the content of the first and second substances,
the first client 501 is configured to send a payment request to the second client;
the second client 502 is configured to receive a payment request sent by a first client, where the payment request indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency, and send a digital currency cashing request to a second currency management device corresponding to the second client according to the first digital currency or the circulation identifier;
the second money management device 503 is configured to, according to the digital money exchange request, exchange a second digital money corresponding to the first digital money to a first money management device corresponding to the first client;
the first money management means 504 is configured to verify the first digital money or the circulation identification.
In an optional embodiment, the method further comprises: a third-party money management apparatus 505; wherein the content of the first and second substances,
the third-party money management means 505 is configured to send the first digital money or the circulation identification to the first money management means 503 in the case where the first money management means 503 is different from the second money management means 504.
Referring to fig. 6, on the basis of the foregoing embodiment, an embodiment of the present invention provides a method for payment of digital currency applied to a payment system of digital currency, where the method may specifically include the following steps:
step S601, the first client sends a payment request to the second client, where the payment request indicates the first digital currency for payment or the circulation identifier corresponding to the first digital currency.
Step S602, the second client receives the payment request sent by the first client.
And under the condition that the first digital currency or the circulation identifier corresponding to the first digital currency indicated by the payment request is the encrypted first digital currency or the encrypted circulation identifier, the second client further needs to acquire a payment password corresponding to the denomination of the first digital currency. Specifically, when the second client receives the payment request from the first client, the user of the second client may directly input the payment password notified by the user of the first client, or directly let the user of the first client input the payment password such as voiceprint audio, and add the payment password to the digital money redemption request by the second client and send the digital money redemption request to the second money management device, so that the second money management device sends the first digital money or the circulation identifier and the payment password to the first money management device.
In step S603, the second client transmits a digital money exchange request to the second money management device, where the digital money exchange request indicates the first digital money or the circulation identifier of the first digital money. In addition, in the case where the payment password is set by the first client user, the digital currency redemption request should also include the payment password acquired by the second client.
In step S604, the second money management device receives the digital money cashing request transmitted from the second client.
In step S605, the second money management device transmits the first digital money or the circulation identification of the first digital money to the first money management device. In the case where the payment password is set by the first client user, the second money management apparatus further needs to transmit the payment password acquired by the second client to the first money management apparatus.
In step S606, the first money management apparatus receives the first digital money or the circulation identification of the first digital money sent from the second money management apparatus. Further, in a case where the first client user sets the payment password, the first money management apparatus also receives the payment password transmitted by the second money management apparatus.
In step S607, the first money management device verifies the first digital money or the circulation identification of the first digital money. In addition, when the first client user sets the payment password, the first money management apparatus also needs to verify the payment password transmitted from the second money management apparatus.
In step S608, the first money management apparatus transmits the first digital money or the result of verification of the circulation identification of the first digital money to the second money management apparatus.
In step S609, the second money management apparatus receives the first digital money or the verification result of the circulation identification of the first digital money sent from the first money management apparatus. Specifically, if the result of the verification is that the verification is passed, the first money management device proceeds to step S610 described below, and the second money management device proceeds to steps S611 to S614 described below; and if the verification result is that the payment transaction is not passed, stopping the current payment transaction.
In step S610, after the first digital currency or the circulation identification passes verification, the first currency management unit updates the digital currency record corresponding to the first client.
In step S611, after the first digital currency or the circulation identification is verified, the second currency management unit produces the second digital currency corresponding to the first digital currency.
In step S612, the second money management apparatus updates the digital money record corresponding to the second client.
In step S613, the second money management device issues the second digital money to the second client. In addition, the second money management device may also issue the circulation identifier corresponding to the second digital money to the second client.
In step S614, the second client receives the second digital money issued by the second money management device. In addition, the second client may further receive a circulation identifier corresponding to the second digital currency issued by the second currency management device.
Fig. 7 shows an exemplary system architecture 700 of a payment method of digital currency or a payment apparatus of digital currency to which embodiments of the present invention may be applied.
As shown in fig. 7, the system architecture 700 may include terminal devices 701, 702, 703, a network 704, and a server 705. The network 704 serves to provide a medium for communication links between the terminal devices 701, 702, 703 and the server 705. Network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 701, 702, 703 to interact with a server 705 over a network 704, to receive or send messages or the like. Various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, and the like, may be installed on the terminal devices 701, 702, and 703.
The terminal devices 701, 702, 703 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 705 may be a server that provides various services, such as a background management server that supports shopping websites browsed by users using the terminal devices 701, 702, and 703. 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 currency provided by the embodiment of the present invention is generally executed by the server 705, and accordingly, the payment device for digital currency is generally disposed in the server 705.
It should be understood that the number of terminal devices, networks, and servers in fig. 7 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for an implementation.
Referring now to FIG. 8, shown is a block diagram of a computer system 800 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the use range of the embodiment of the present invention.
As shown in fig. 8, a computer system 800 includes a Central Processing Unit (CPU) 801 which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM) 802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM 803, various programs and data necessary for the operation of the system 800 are also stored. The CPU 801, ROM 802, and RAM 803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.
The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that the computer program read out therefrom is mounted on the storage section 808 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 an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 801.
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 context of 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 the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present 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 includes a payment request receiving module, a digital currency redemption module. The names of the modules do not constitute a limitation to the module itself in some cases, for example, the payment request receiving module may also be described as "a module for receiving a payment request sent by a first client, the payment request indicating a first digital currency for payment or a circulation identifier corresponding to the first digital currency".
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: receiving a payment request sent by a first client, wherein the payment request indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency; and sending a digital currency exchange request to a second currency management device corresponding to a second client according to the first digital currency or the circulation identification so as to enable the second currency management device to exchange second digital currency corresponding to the first digital currency to a first currency management device corresponding to the first client.
According to the technical scheme of the embodiment of the invention, in the actual transaction process, the first client can directly initiate a payment request to the second client, wherein the payment request indicates the first digital currency for payment or the circulation identification corresponding to the first digital currency, so that the second client can apply for the second currency management device to convert the first digital currency into the second digital currency belonging to the second client according to the received first digital currency or the circulation identification, and the circulation of the digital currency among different clients is realized; in addition, in the process of the second money management device exchanging the second digital money, the first digital money or the circulation identification can be verified through the first money management device, so that the safety and the legality of the digital money in the payment layer are guaranteed.
The above-described embodiments should not be construed as limiting the scope of the invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may 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 (16)

1. A payment method of digital currency is applied to a client side and comprises the following steps:
receiving a payment request sent by a first client, wherein the payment request indicates a first digital currency for payment or a 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 according to the first digital currency or the circulation identification so as to enable the second currency management device to exchange second digital currency corresponding to the first digital currency to a first currency management device corresponding to the first client.
2. The method of paying for digital currency according to claim 1, further comprising:
and receiving the second digital money issued by the second money management device when the second money management device completes the cashing of the second digital money.
3. The method for paying for digital money according to claim 1, wherein the second money management apparatus paying for the second digital money corresponding to the first digital money to the first money management apparatus corresponding to the first client includes:
transmitting the first digital money or the circulation identification to the first money management apparatus to cause the first money management apparatus to verify the first digital money or the circulation identification;
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.
4. The payment method of digital money according to claim 3,
in a case where the first money management apparatus is different from the second money management apparatus, the second money management apparatus sends the first digital money or the circulation identification to the first money management apparatus via a third-party money management apparatus.
5. The payment method of digital money according to claim 3,
and after the first digital currency or the circulation identification passes verification, the first currency management device updates the digital currency record corresponding to the first client.
6. The method of paying for digital currency according to claim 1, further comprising:
under the condition that the first digital currency or the circulation identification is encrypted first digital currency or circulation identification, acquiring a 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 first digital currency or the circulation identification and a key corresponding to the encryption mode.
7. A payment device of digital currency is characterized in that, applied to a client, the payment device comprises: the payment request receiving module and the digital currency cashing module; wherein the content of the first and second substances,
the payment request receiving module is used for receiving a payment request sent by a first client, wherein the payment request indicates first digital currency used for payment or circulation identification corresponding to the first digital currency;
and 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 according to the first digital currency or the circulation identification so as to enable the second currency management device to exchange and pay the second digital currency corresponding to the first digital currency to a first currency management device corresponding to the first client.
8. The digital currency payment apparatus of claim 7, further comprising: a digital currency receiving module; wherein the content of the first and second substances,
the digital currency receiving module is configured to receive the second digital currency issued by the second currency management device when the second currency management device completes the redemption of the second digital currency.
9. The apparatus for paying out digital money according to claim 7, wherein the second money management apparatus remits the second digital money corresponding to the first digital money to a first money management apparatus corresponding to the first client, comprises:
sending the first digital currency or the circulation identification to the first currency management device to enable the first currency management device to verify the first digital currency or the circulation identification;
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.
10. The payment apparatus for digital money according to claim 9,
in a case where the first money management apparatus is different from the second money management apparatus, the second money management apparatus sends the first digital money or the circulation identification to the first money management apparatus via a third-party money management apparatus.
11. The payment apparatus for digital money according to claim 9,
and after the first digital currency or the circulation identification passes verification, the first currency management device updates the digital currency record corresponding to the first client.
12. The digital currency payment apparatus of claim 7, wherein the digital currency redemption module is further configured to,
under the condition that the first digital currency or the circulation identification is encrypted first digital currency or circulation identification, acquiring a 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 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 a key corresponding to the encryption mode.
13. 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 content of the first and second substances,
the first client is used for sending a payment request to the second client;
the second client is used for receiving a payment request sent by the first client, wherein the payment request indicates a first digital currency for payment or a circulation identifier corresponding to the first digital currency, and sending a digital currency cashing request to a second currency management device corresponding to the second client according to the first digital currency or the circulation identifier;
the second currency management device is used for paying a second digital currency corresponding to the first digital currency to a first currency management device corresponding to the first client according to the digital currency exchange request;
the first money management device is configured to verify the first digital money or the circulation identification.
14. A payment system for digital currency according to claim 13, further comprising: a third-party money management device; wherein the content of the first and second substances,
the third-party money management apparatus is configured to send the first digital money or the circulation identification to the first money management apparatus in a case where the first money management apparatus is different from the second money management apparatus.
15. An electronic device for digital currency payment, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-6.
16. 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 1-6.
CN202110414096.6A 2021-04-16 2021-04-16 Payment method, device and system of digital currency Pending CN115222402A (en)

Priority Applications (3)

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CN202110414096.6A CN115222402A (en) 2021-04-16 2021-04-16 Payment method, device and system of digital currency
PCT/CN2022/087200 WO2022218424A1 (en) 2021-04-16 2022-04-15 Payment method, apparatus, and system for digital currency
EP22787646.3A EP4325413A1 (en) 2021-04-16 2022-04-15 Payment method, apparatus, and system for digital currency

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202110414096.6A CN115222402A (en) 2021-04-16 2021-04-16 Payment method, device and system of digital currency

Publications (1)

Publication Number Publication Date
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