CN116091060A - Transaction method, transaction terminal and system of digital wallet - Google Patents

Transaction method, transaction terminal and system of digital wallet Download PDF

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Publication number
CN116091060A
CN116091060A CN202210624640.4A CN202210624640A CN116091060A CN 116091060 A CN116091060 A CN 116091060A CN 202210624640 A CN202210624640 A CN 202210624640A CN 116091060 A CN116091060 A CN 116091060A
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CN
China
Prior art keywords
digital wallet
transaction terminal
user
transaction
digital
Prior art date
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Pending
Application number
CN202210624640.4A
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Chinese (zh)
Inventor
廖俊宁
李京
孙志锋
吕远
赵新宇
王刚
郭伟
李雪嫚
崔沛东
李惠佳
张湛
彭美玲
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Zhong Chao Great Wall Financial Equipment Holding Co ltd
Digital Currency Institute of the Peoples Bank of China
China Banknote Printing and Minting Group Co Ltd
Original Assignee
Zhong Chao Great Wall Financial Equipment Holding Co ltd
Digital Currency Institute of the Peoples Bank of China
China Banknote Printing and Minting Group Co Ltd
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Publication date
Application filed by Zhong Chao Great Wall Financial Equipment Holding Co ltd, Digital Currency Institute of the Peoples Bank of China, China Banknote Printing and Minting Group Co Ltd filed Critical Zhong Chao Great Wall Financial Equipment Holding Co ltd
Publication of CN116091060A publication Critical patent/CN116091060A/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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

Abstract

The invention discloses a transaction method, a transaction terminal and a system of a digital wallet. The transaction terminal includes: a main body portion; an identity document identification part for reading identity information; a RMB processing unit for processing the RMB; a foreign currency processing section for processing a foreign currency; a digital wallet processing part for issuing or recycling digital wallets; the card reading part is used for reading the digital information; a password input section for inputting a password; an image pickup section for picking up an image; a display unit for displaying transaction information; and a transaction processing section for processing a transaction operation. The transaction terminal can be used for acquiring an account opening request of a user; identifying a user identity document; performing wind control inquiry; judging the type of the currency and reading the amount; calculating the amount of the RMB according to the exchange rate and writing the amount into a digital wallet; setting a password; the digital wallet is issued to complete the account opening. After the account is opened, the digital wallet can be utilized to conduct money transaction with the transaction system, and the current balance is checked through the display screen of the digital wallet, so that the use convenience is improved.

Description

Transaction method, transaction terminal and system of digital wallet
Technical Field
The invention relates to a transaction method of a digital wallet, and also relates to a corresponding transaction terminal and a corresponding transaction system, belonging to the technical field of digital payment.
Background
In the chinese patent application of application number 201310693791.6, NXP corporation proposes a technical solution for managing digital wallet devices using mobile devices.
For another example, in the chinese patent application with application number 201910143196.2, a transaction system and method for supporting exchange between digital currency and physical currency are provided, a currency exchange request sent by a first client is received by a server, a terminal device is determined according to the currency exchange request, and an exchange instruction corresponding to the currency exchange request is sent to the terminal device; the terminal equipment receives the exchange instruction, determines the currency amount of the physical currency stored in the terminal equipment, and sends the currency amount to the server; the server receives the currency amount, and changes the balance of the first digital currency account designated by the currency conversion request and the balance of the second digital currency account corresponding to the terminal equipment according to the currency amount, so that the problem that the conversion process between the digital currency and the physical currency is too complex is solved by directly using the digital currency to convert the physical currency to the third party website with the terminal equipment or directly using the physical currency to convert the digital currency to the third party website with the terminal equipment.
However, the digital currency in the prior art is virtual, needs to be realized in a form of loading the APP on the smart phone, and is difficult to popularize for users without the smart phone or without using the smart phone APP. If the common card is adopted, the balance cannot be conveniently checked.
Disclosure of Invention
The invention aims to provide a transaction terminal which is convenient for a user to check balance at any time.
Another technical problem to be solved by the present invention is to provide a transaction method for a digital wallet.
Another technical problem to be solved by the present invention is to provide a transaction system of a digital wallet.
In order to achieve the technical purpose, the invention adopts the following technical scheme:
according to a first aspect of an embodiment of the present invention, there is provided a transaction terminal including:
a main body part having a panel;
the identity document identification part is used for reading the chip information on the identity document and shooting and storing the identity document photo;
the RMB processing part is arranged in the main body part, the banknote outlet extends out of the panel, and the RMB processing part is used for storing and outputting RMB banknotes;
the foreign currency processing part is arranged in the main body part, the foreign currency inlet and the foreign currency outlet extend out of the panel, and the foreign currency processing part is used for storing the foreign currency and identifying the counterfeit simultaneously;
the digital wallet processing part is arranged in the main body part, and the card inserting part of the digital wallet processing part extends out of the panel and is used for sending and recycling the digital wallet;
the card reading part is arranged on the panel and used for reading information of the digital wallet of a user close to the card reading part;
the password input part is arranged on the panel and is used for inputting the password of the digital wallet by the user;
an image pickup unit which is provided on the panel and picks up an image of the user to acquire image information of the user;
a display unit for displaying transaction information of the transaction terminal;
and a transaction processing unit for processing the transaction operation of the user.
According to a second aspect of the embodiment of the present invention, there is provided a transaction method using the transaction terminal, including the steps of:
acquiring the language selected by a user on a language selection interface of a transaction terminal;
acquiring an account opening request of the user;
identifying an identity document inserted into a transaction terminal by the user, acquiring information of the identity document through the transaction terminal and carrying out face recognition to confirm the identity of the user;
the transaction terminal reads the certificate information of the user, and performs face comparison through the face recognition transaction terminal so as to perform identity verification on the user;
the transaction terminal performs wind control inquiry according to the information of the identity document,
the transaction terminal opens an account of the digital wallet;
the transaction terminal sends out a digital wallet through a digital wallet processing part and prompts the user to enter a password setting interface;
acquiring a password set by the user;
the transaction terminal prompts successful account opening and reminds the user to take the digital wallet; the digital wallet is provided with a display screen for displaying the current balance in real time.
Wherein preferably, the digital wallet further comprises:
the transaction terminal reads the certificate information of the user, and performs face comparison through the face recognition transaction terminal so as to perform identity verification on the user;
after the identity verification is passed, the transaction terminal reads the digital information of the digital wallet;
inputting a password by a user, and verifying the password by the transaction terminal;
reading the monetary amount put into the transaction terminal by the user, and prompting the user to confirm the monetary amount;
the transaction terminal calculates the amount of the converted RMB according to the real-time exchange rate;
the transaction terminal obtains an encrypted digital string corresponding to the amount of the converted RMB through the third party mechanism;
the transaction terminal writes the encrypted digital string into the digital wallet through a read-write device;
the transaction terminal spits out the digital wallet through a wallet throughput device and reminds the user to take out the digital wallet; the display screen of the digital wallet can be used for viewing the current balance.
Wherein preferably, the digital wallet further comprises:
the transaction terminal reads the certificate information of the user, and performs face comparison through the face recognition transaction terminal so as to perform identity verification on the user;
after passing the authentication, the transaction terminal obtains the money amount which the user needs to take out;
the transaction terminal sends a preset digital wallet to a preset position through a transmission channel;
the transaction terminal reads the digital information of the digital wallet and judges whether the currency amount input by the user is larger than the current balance of the digital wallet;
if the currency amount input by the user is not greater than the current balance of the digital wallet, the transaction terminal acquires an encrypted digital string corresponding to the currency amount input by the user;
the transaction terminal sends the encrypted digital string to a currency digital wallet processing part so as to spit out the RMB with the quantity corresponding to the encrypted digital string;
the transaction terminal modifies the current balance of the digital wallet through a read-write device;
the transaction terminal spits out the digital wallet through a wallet throughput device and reminds the user to take out the digital wallet; the display screen of the digital wallet can be used for viewing the current balance.
Wherein preferably, the digital wallet further comprises:
acquiring a sales application of the user to the transaction terminal;
the transaction terminal reads the digital information of the digital wallet;
if the current balance of the digital wallet is greater than 0, the transaction terminal acquires an encrypted digital string corresponding to the current balance;
the transaction terminal sends the encrypted digital string to a currency digital wallet processing part so as to spit out the RMB with the quantity corresponding to the encrypted digital string;
the transaction terminal modifies the current balance of the digital wallet to 0 through a read-write device;
the transaction terminal logs out the account information of the user, and spits out the digital wallet through the wallet throughput device, and the transaction terminal reminds the user to take out the digital wallet.
According to a third aspect of embodiments of the present invention, there is provided a digital wallet-based transaction system comprising:
the server is used for receiving and sending interaction instructions;
the transaction terminal is connected with the server and is used for carrying out information interaction with the digital wallet and sending an interaction instruction to the server or receiving the interaction instruction sent by the server;
and the digital wallet is used for displaying the current balance after interaction with the transaction terminal.
Compared with the prior art, the transaction method of the digital wallet provided by the invention can directly check the balance through the display screen of the digital wallet after the account opening of the digital wallet is completed. Moreover, the digital wallet can be directly inserted into a transaction terminal or other financial machine so as to perform financial interaction with the transaction terminal or other financial machine. After the financial interaction is completed, the current balance of the digital wallet can be displayed in real time by utilizing the display screen, so that a user can conveniently check the balance at any time, and the use convenience is improved.
Drawings
Fig. 1 is a schematic structural diagram of a digital wallet according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a transaction terminal according to an embodiment of the present invention;
FIG. 3 is a connection diagram of internal modules of a transaction terminal according to an embodiment of the present invention;
fig. 4 is a flowchart of a method for opening an account of a digital wallet according to an embodiment of the present invention;
FIG. 5 is a flow chart of a method for depositing digital wallet according to the embodiment of the invention;
FIG. 6 is a flow chart of a method for withdrawing money from a digital wallet provided by an embodiment of the present invention;
fig. 7 is a flowchart of a method for selling a digital wallet according to an embodiment of the present invention.
Detailed Description
The technical contents of the present invention will be described in detail with reference to the accompanying drawings and specific examples.
< first embodiment >
Fig. 1 shows a digital wallet provided in an embodiment of the present invention, which includes: a main body part 1, a control chip (not shown in the figure) and a display screen 2.
The main body 1 has an accommodation space therein; the control chip is arranged in the accommodating space, and account information is stored in the control chip and is used for carrying out information interaction with the payment equipment; the display screen 2 is disposed on the surface of the main body 1 and connected to the control chip for displaying account information. The control chip also stores a secret key for controlling authentication and the like.
Specifically, in this embodiment, the shape of the main body 1 is the same as that of a common bank card, and the main body 1 can be directly inserted into a transaction terminal or other financial machines, and the control chip in the main body 1 is used to interact with the transaction terminal or other financial machines to realize various transaction behaviors (such as deposit, withdrawal or sales). After the information interaction is completed, the display screen 2 can be used for displaying the transaction amount, the current balance and other information of the digital wallet in real time, so that a user can conveniently check the balance at any time, and the use convenience is improved.
In the above embodiments, the display screen 2 is an LED digital display screen, but in other embodiments, other types of display devices may be adaptively replaced.
< second embodiment >
Fig. 2 shows a transaction terminal 100 according to an embodiment of the present invention. The transaction terminal 100 includes a main body 101, an identification document identification unit 102, a RMB processing unit 103, a foreign currency processing unit 104, a digital wallet processing unit 105, a card reader 106, a password input unit 107, an imaging unit 108, a display unit 109, and a transaction processing unit.
The main body 101 has a panel 1011. The identity document identifying part 102 is used for reading the chip information on the identity document and taking and storing a photo of the identity document. The Renminbi processing part 103 is arranged in the main body part 101, and the bill outlet extends out of the panel for storing and outputting Renminbi bills. The foreign currency processing part 104 is disposed in the main body 101, and the foreign currency inlet 1014 and the foreign currency outlet 1042 protrude from the panel, and the foreign currency processing part 104 is used to deposit foreign currency and authenticate at the same time. The digital wallet processing portion 105 is disposed in the main body portion 101, and its card insertion portion extends out of the panel 1011 for issuing and recycling digital wallets. The card reader 106 is disposed on the panel 1011, and reads information of the digital wallet attached to the card reader 106 by the user. The password input unit 107 is provided on the panel 1011, and is used for inputting a password of the digital wallet by the user. The image pickup unit 108 is provided on the panel 1011, and picks up an image of the user to acquire image information of the user. The display unit 109 displays transaction information of the transaction terminal. The transaction processing unit is used for processing the transaction operation of the user.
As shown in fig. 3, the transaction terminal 100 further includes a CPU module 110, a memory module 111, a hard disk module 112, a card reading control module 113, an input control module 114, a communication module 115, an IC card authentication module 116, a camera control module 117, a money discharge control module 118, a print ticket module 119, a monitor module 120, a voice module 121, a display control module 122, and a determination module 123. These modules may be integrated together or may be distributed.
The CPU module 110 is an arithmetic control core of the transaction terminal, and its function is mainly to interpret instructions of the transaction terminal and process data in the transaction terminal software, and is composed of an arithmetic unit, a controller and a register, and a bus for implementing data, control and status of the connection between them. The memory module 111, i.e. an internal memory, is used for temporarily storing the operation data in the CPU module and the data exchanged with the external memory such as the hard disk, so long as the transaction terminal is in operation, the CPU module will call the data to be operated into the memory module for operation, and after the operation is completed, the CPU module will transmit the result. The hard disk module 112 is a main storage medium of the transaction terminal, and is mainly used for storing data information of automatic deposit and withdrawal. The card reading control module 113 controls the card reading section 106, and is mainly used for controlling access of a card, reading information such as a bank card and a credit card inserted into a transaction terminal by a user, and the like. The input control module 114 controls the main keyboard. The communication module 115 is mainly used for data transmission between the transaction terminal and the data center. The IC card authentication module 116 is mainly used for identification of the IC card. The imaging control module 117 is used to control the imaging unit 108 of the transaction terminal. The spit control module 118 is used for the functions of banknote suction, spit and banknote counting. The print ticket module 119 is used for ticket printing after completion of a customer transaction, and the like. The monitoring module 120 mainly displays various fault types occurring at the transaction terminal, and automatically transmits fault information, hardware fault details, and fault codes to the data center while monitoring that the fault occurs. The voice module 121 is used for prompting information such as user operation instructions and error alarms. The display control module 122 controls the display section 109. The decision module 123 performs similarity calculations on the input images using an image comparison algorithm (e.g., image comparison in ADAboost, openCV, etc.).
< third embodiment >
Digital wallet-based transaction activities including opening an account, withdrawing money, depositing money, currency conversion, and the like, collectively referred to as payment. In this embodiment, an account opening will be described as an example.
Fig. 4 shows a method for opening an account of a digital wallet according to an embodiment of the present invention, which at least includes the following steps:
s1: a language selection interface is provided in the trading system for the user to select languages.
When the user needs to open an account of the digital wallet, the language can be selected in the language selection interface of the transaction terminal. The languages can include Chinese, english, french, russian and other common languages, and the languages can be selected according to the needs.
S2: after the language selected by the user is obtained, a digital wallet account opening interface is provided.
After the user selects the language, the transaction terminal enters the digital wallet account opening interface to prompt the user whether to open an account. It will be appreciated that steps S1-S2 may be omitted if domestic market oriented.
S3: and carrying out identity recognition before opening an account to obtain identity information.
After entering the digital wallet account opening interface, the user can select to open or not open an account. If the user selects to open an account, entering an account opening flow; if the user selects not to open an account, the interaction is ended.
After the user enters an account opening process, the information of the identity document is obtained through the transaction terminal, and the face recognition device is used for carrying out face recognition so as to obtain the identity information of the user.
S4: and carrying out wind control inquiry according to the identity information of the user, and carrying out account opening application of the digital wallet.
After the identity of the user is confirmed, the transaction terminal can call relevant information from a database of the financial institution according to the identity information of the user to perform wind control inquiry.
When the user can open an account through the wind control inquiry, sending an account opening application to a background transaction system; when the user is confirmed to have no account opening qualification, the transaction terminal cancels the account opening application of the digital wallet of the user and exits the transaction.
S5: the configuration generates a digital wallet.
When the transaction terminal receives the message of permitting the account opening of the digital wallet from the background transaction system, the transaction terminal configures the digital wallet without denomination so as to store the basic information corresponding to the user in the digital wallet.
Specifically, in this embodiment, the transaction terminal interacts with the digital wallet through the RFID protocol, and sends the interaction to the background transaction system through the network, so as to bind the user information. Specifically, the steps S51 to S54 are realized:
s51: locking application: the method comprises the steps of reading an application in a digital wallet and obtaining application information;
s52: information negotiation: the step is used for interacting with the digital wallet through a designated sequence to acquire authorization and approval information;
s53: background authorization: the digital wallet information acquired from the steps S51-S52 is sent to a background transaction system through messages, and the background transaction system returns processing results such as permission, rejection and the like according to the processing of a financial institution;
s54: the transaction system judges: according to the background authorization result, if the background authorization result is allowable, the next processing can be performed; if refused, the transaction is exited.
Meanwhile, the transaction terminal enters a password setting interface to prompt a user to set the password. After the password is set, the transaction terminal can send out the digital wallet through the digital wallet processing part for users to use. It should be noted that at this point, the digital wallet is still within the ATM card slot, no display information is visible, nor is user confirmation required.
S6: the user sets a password.
After entering the password setting interface, the user needs to input the password to complete the setting of the password.
S7: prompting success of account opening and spitting out the digital wallet.
After the user finishes the password setting, the user is prompted to succeed in opening an account, and at the moment, the user can take the digital wallet from the transaction system, wherein the digital wallet is the digital wallet in the first embodiment, and the current account information can be displayed in real time through the display screen.
Referring to fig. 5, in the above embodiment, when the operation of opening an account of the digital wallet is completed, the deposit operation may be performed using the digital wallet.
Wherein, the deposit operation specifically comprises the following steps:
s10: and reading the identity information of the user, and performing face comparison through a face recognition transaction system.
When a user needs deposit, firstly, reading identity information (such as name, place and photo) of the user through a transaction terminal; and then, performing face comparison through a face recognition transaction system to verify the identity of the user.
S20: after the identity verification is passed, the currency stored in the transaction terminal is detected, and corresponding amount information is written in the digital wallet.
The user may place money into the transaction terminal and confirm the amount of the money. The amount of the deposited money is detected and the amount information is written into the digital wallet.
Optionally, if the foreign currency is deposited, the corresponding RMB amount is automatically calculated according to the real-time exchange rate, and then the RMB amount is written into the digital wallet. The balance and the transaction record are written into the digital wallet in a ciphertext form according to a specified sequence, the digital wallet is not provided with a button, the information in the digital wallet can be read according to the specified sequence through a non-contact module, and the digital wallet is returned to a terminal interface for display after background authorization.
Specifically, the method comprises the steps S201 to S206:
s201: locking application: the method comprises the steps of reading an application in a digital wallet and obtaining application information;
s202: information negotiation: the step is used for interacting with the digital wallet through a designated sequence to acquire authorization and approval information;
s203: background authorization: the digital wallet information acquired from the steps S201 to S202 is sent to a background transaction system through messages, and the background transaction system returns processing results such as permission, rejection and the like according to the processing of a financial institution; returning background authorization information under the condition of permission;
s204: recharging operation: according to the background authorization result, if refused, the transaction is exited; if the digital wallet is permitted, the digital wallet is interacted with the designated command sequence, and background authorization information is transmitted to the digital wallet to finish recharging operation of the equipment end; sending the verification content returned by the digital wallet back to a background transaction system for verification;
s205: background verification: the background transaction system verifies according to the verification content returned by the digital wallet and returns a verification result
S206: ending the transaction: if the verification result of the background transaction system is failure, the transaction is exited; if successful, the transaction information in the digital wallet needs to be updated according to the specified sequence and output to the digital wallet to complete the transaction.
S30: the digital information of the digital wallet is read.
When the amount of money required to be stored by a user is determined, a preset digital wallet is sent to a preset position through a transmission channel, and digital information of the digital wallet, particularly the current balance and a random key of the digital wallet, is correspondingly read.
S40: the encrypted digital string corresponding to the redemption amount is obtained by a third party authority.
After the digital information of the digital wallet is read, the encrypted digital string corresponding to the exchange amount is obtained through a third party organization, wherein the exchange amount is the RMB amount directly read or calculated in the step S20.
S50: the encrypted digital string is written into the digital wallet by a read-write device.
After the encrypted digital string is obtained, the encrypted digital string is written into the digital wallet through the read-write device, so that the current balance of the digital wallet is changed. Specifically, it can be expressed by the formula x=x '+Δx, where X is the current balance after writing the encrypted digital string into the digital wallet, X' is the current balance before writing the encrypted digital string into the digital wallet, and Δx is the encrypted digital string corresponding to the deposit amount.
S60: the digital wallet is spit out by the wallet handling device.
After the deposit operation is finished, the digital wallet is spit out through the wallet throughput device, at the moment, the user can take out the digital wallet, and can check the current balance on the display screen of the digital wallet, wherein the current balance is the changed current balance, so that whether the deposit operation is successful or not is confirmed.
Referring to fig. 6, in the above embodiment, after the operation of opening the account of the digital wallet is completed, the withdrawal operation may be performed using the digital wallet.
Wherein, the withdrawal operation specifically comprises the following steps:
s100: the transaction system reads the identity information of the user.
S200: after passing the authentication, the user inputs the amount of money to be withdrawn.
When the identity of the user passes the verification, the user inputs a withdrawal instruction through an input interface of the transaction system, and the withdrawal instruction at least comprises the information of the amount of money to be withdrawn.
S300: the digital information of the digital wallet is read.
When the amount of money required to be taken out by a user is determined, the transaction system sends a preset digital wallet to a preset position through a transmission channel, and correspondingly reads the digital information of the digital wallet, particularly the current balance and the random key of the digital wallet.
S400: and reading the digital information of the digital wallet, and judging whether the monetary amount input by the user is larger than the current balance of the digital wallet.
After the transaction system reads the digital information of the digital wallet, whether the monetary amount input by the user is larger than the current balance of the digital wallet is required to be judged, if the monetary amount input by the user is not larger than the current balance of the digital wallet, an encrypted digital string corresponding to the monetary amount input by the user is acquired through the transaction system, so that normal withdrawal can be performed; if the amount of money input by the user is greater than the current balance of the digital wallet, the transaction system prompts that the balance is insufficient, and returns to step S200 to re-input the amount of money to be taken out.
S500: the encrypted digital string is sent to a money digital wallet processing unit to discharge the number of RMB corresponding to the encrypted digital string.
When the withdrawal is confirmed, the transaction system sends the encrypted digital string to the currency digital wallet processing part, and the currency digital wallet processing part can discharge the RMB corresponding to the encrypted digital string, at this time, the user can take the RMB and confirm whether the number of the RMB is correct.
S600: the current balance of the digital wallet is modified by the read-write device.
When the transaction system spits out the corresponding number of RMB, the current balance of the digital wallet is modified by the read-write device, so that the current balance of the digital wallet is changed. Specifically, the method can be represented by the formula x=x '- Δx, wherein X is a current balance after the current balance of the digital wallet is modified, X' is a current balance before the current balance of the digital wallet is modified, and Δx is an encrypted digital string corresponding to the withdrawal amount.
S700: the digital wallet is spit out by the wallet handling device.
When the user finishes withdrawing money, the transaction system spits out the digital wallet through the wallet throughput device, at the moment, the user can take out the digital wallet and check the current balance on the display screen of the digital wallet, and the current balance is the changed current balance so as to confirm whether the withdrawing operation is successful or not.
Referring to fig. 7, in the above embodiment, after the operation of opening an account of the digital wallet is completed, the operation of selling the account may also be performed using the digital wallet.
The user selling operation specifically comprises the following steps:
s1': the user applies for the sales user to the transaction system.
When the user needs to log off the digital wallet, the user can enter the transaction system through the account opening counter of the corresponding bank, and the account selling application is put forward on the interface of the transaction system.
S2': the digital information of the digital wallet is read.
When the transaction system receives the user's sales request, the digital information of the digital wallet needs to be read to confirm the current balance of the digital wallet. If the current balance of the digital wallet is greater than 0, the balance is taken out, and then the user operation is carried out.
S3': the encrypted digital string corresponding to the current balance is acquired and sent to the money digital wallet processing part to discharge the number of the renminbi corresponding to the encrypted digital string.
S4': the current balance of the digital wallet is modified to 0 through the read-write device, and the user can be sold at the moment.
S5': logging off account information of the user and spitting out the digital wallet through the wallet throughput device.
S6': the user takes out the digital wallet to finish the whole user selling operation.
< fourth embodiment >
The embodiment of the invention also provides a transaction system based on the digital wallet, which comprises the following steps: server, transaction terminal and digital wallet.
Specifically, the server is used for receiving and sending interaction instructions; the transaction terminal is connected with the server and is used for carrying out information interaction with the digital wallet and sending an interaction instruction to the server or receiving the interaction instruction sent by the server; the digital wallet is used for displaying the current balance after interaction with the transaction terminal.
Therefore, after the digital wallet is used for transaction, the current balance can be directly checked through the display screen, and the convenience of use is provided.
The transaction method, the transaction terminal and the system of the digital wallet provided by the invention are described in detail. Any obvious modifications to the present invention, without departing from the spirit thereof, would constitute an infringement of the patent rights of the invention and would take on corresponding legal liabilities.

Claims (6)

1. A transaction terminal, comprising:
a main body part having a panel;
the identity document identification part is used for reading the chip information on the identity document and shooting and storing the identity document photo;
the RMB processing part is arranged in the main body part, the banknote outlet extends out of the panel, and the RMB processing part is used for storing and outputting RMB banknotes;
the foreign currency processing part is arranged in the main body part, the foreign currency inlet and the foreign currency outlet extend out of the panel, and the foreign currency processing part is used for storing the foreign currency and identifying the counterfeit simultaneously;
the digital wallet processing part is arranged in the main body part, and the card inserting part of the digital wallet processing part extends out of the panel and is used for sending and recycling the digital wallet;
the card reading part is arranged on the panel and used for reading information of the digital wallet of a user close to the card reading part;
the password input part is arranged on the panel and is used for inputting the password of the digital wallet by the user;
an image pickup unit which is provided on the panel and picks up an image of the user to acquire image information of the user;
a display unit for displaying transaction information of the transaction terminal;
and a transaction processing unit for processing the transaction operation of the user.
2. A method for trading a digital wallet, implemented by using the trading terminal of claim 1, comprising the steps of:
acquiring the language selected by a user on a language selection interface of a transaction terminal;
acquiring an account opening request of the user;
identifying an identity document inserted into a transaction terminal by the user, acquiring information of the identity document through the transaction terminal and carrying out face recognition to confirm the identity of the user;
the transaction terminal reads the certificate information of the user, and performs face comparison through the face recognition transaction terminal so as to perform identity verification on the user;
the transaction terminal performs wind control inquiry according to the information of the identity document,
the transaction terminal opens an account of the digital wallet;
the transaction terminal sends out a digital wallet through a digital wallet processing part and prompts the user to enter a password setting interface;
acquiring a password set by the user;
the transaction terminal prompts successful account opening and reminds the user to take the digital wallet; the digital wallet is provided with a display screen for displaying the current balance in real time.
3. The transaction method according to claim 2, wherein the digital wallet further comprises the steps of, after opening an account:
the transaction terminal reads the certificate information of the user, and performs face comparison through the face recognition transaction terminal so as to perform identity verification on the user;
after the identity verification is passed, the transaction terminal reads the digital information of the digital wallet;
inputting a password by a user, and verifying the password by the transaction terminal;
reading the monetary amount put into the transaction terminal by the user, and prompting the user to confirm the monetary amount;
the transaction terminal calculates the amount of the converted RMB according to the real-time exchange rate;
the transaction terminal obtains an encrypted digital string corresponding to the amount of the converted RMB through the third party mechanism;
the transaction terminal writes the encrypted digital string into the digital wallet through a read-write device;
the transaction terminal spits out the digital wallet through a wallet throughput device and reminds the user to take out the digital wallet; the display screen of the digital wallet can be used for viewing the current balance.
4. The transaction method according to claim 2, wherein the digital wallet further comprises the steps of, after opening an account:
the transaction terminal reads the certificate information of the user, and performs face comparison through the face recognition transaction terminal so as to perform identity verification on the user;
after passing the authentication, the transaction terminal obtains the money amount which the user needs to take out;
the transaction terminal sends a preset digital wallet to a preset position through a transmission channel;
the transaction terminal reads the digital information of the digital wallet and judges whether the currency amount input by the user is larger than the current balance of the digital wallet;
if the currency amount input by the user is not greater than the current balance of the digital wallet, the transaction terminal acquires an encrypted digital string corresponding to the currency amount input by the user;
the transaction terminal sends the encrypted digital string to a currency digital wallet processing part so as to spit out the RMB with the quantity corresponding to the encrypted digital string;
the transaction terminal modifies the current balance of the digital wallet through a read-write device;
the transaction terminal spits out the digital wallet through a wallet throughput device and reminds the user to take out the digital wallet; the display screen of the digital wallet can be used for viewing the current balance.
5. The transaction method according to claim 2, wherein the digital wallet further comprises the steps of, after opening an account:
acquiring a sales application of the user to the transaction terminal;
the transaction terminal reads the digital information of the digital wallet;
if the current balance of the digital wallet is greater than 0, the transaction terminal acquires an encrypted digital string corresponding to the current balance;
the transaction terminal sends the encrypted digital string to a currency digital wallet processing part so as to spit out the RMB with the quantity corresponding to the encrypted digital string;
the transaction terminal modifies the current balance of the digital wallet to 0 through a read-write device;
the transaction terminal logs out the account information of the user, and spits out the digital wallet through the wallet throughput device, and the transaction terminal reminds the user to take out the digital wallet.
6. A transaction system for a digital wallet, comprising:
the server is used for receiving and sending interaction instructions;
the transaction terminal of claim 1, wherein the transaction terminal is connected with the server and is used for carrying out information interaction with a digital wallet and sending interaction instructions to the server or receiving the interaction instructions sent by the server;
and the digital wallet is used for displaying the current balance after interaction with the transaction terminal.
CN202210624640.4A 2021-12-30 2022-06-02 Transaction method, transaction terminal and system of digital wallet Pending CN116091060A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN202111653976 2021-12-30
CN2021116539765 2021-12-30

Publications (1)

Publication Number Publication Date
CN116091060A true CN116091060A (en) 2023-05-09

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Application Number Title Priority Date Filing Date
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Country Status (1)

Country Link
CN (1) CN116091060A (en)

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