CN116245518A

CN116245518A - Method and device for transferring digital money

Info

Publication number: CN116245518A
Application number: CN202111484612.9A
Authority: CN
Inventors: 孟祥京; 咸明辉; 彭晨漪; 李田池
Original assignee: Digital Currency Institute of the Peoples Bank of China
Current assignee: Digital Currency Institute of the Peoples Bank of China
Priority date: 2021-12-07
Filing date: 2021-12-07
Publication date: 2023-06-09

Abstract

The invention discloses a method and a device for transferring digital money, and relates to the technical field of computers. One embodiment of the method comprises the following steps: receiving a money transfer identification number of a payee input by a user, and determining a corresponding payee operation mechanism according to the money transfer identification number; receiving the transfer amount input by the user, and generating a transfer processing instruction according to the transfer amount, wherein the transfer processing instruction comprises a payee operation mechanism identifier; transmitting a transfer processing instruction to a payer operation mechanism so that the payer operation mechanism and a payee operation mechanism carry out transfer processing, wherein the transfer processing comprises that the payer operation mechanism logs off digital currency corresponding to the transfer amount, and the payee operation mechanism generates the digital currency corresponding to the transfer amount; under the condition that the payer operation mechanism and the payee operation mechanism are different mechanisms, the transfer processing is carried out through a pre-established interconnection platform. The embodiment can realize convenient transfer of digital currency, and expands the application scene of the digital currency.

Description

Method and device for transferring digital money

Technical Field

The present invention relates to the field of computer technology, and more particularly, to a method and apparatus for digital money transfer.

Background

With the vigorous development of network technology and digital economy, the demands of the public on retail payment convenience, security, general Hui Xing, privacy and the like are increasing. Central banks or currency authorities in many countries and regions closely track the development of financial technology and actively explore the implementation of digital currency. The digital currency adopts centralized management and double-layer operation, the central row is in a central position in a digital currency operation system and is responsible for issuing digital currency to commercial banks serving as designated operation institutions and carrying out full life cycle management, and the designated operation institutions and related commercial institutions are responsible for providing digital currency exchange and circulation services to the public. In the digital currency application App, after the user opens the currency wallet of the operating mechanism, the wallet payment service provided by the operating mechanism can be used: payment, code scanning payment, etc. The operation mechanism in the digital currency system is very important how to realize convenient wallet transfer through information such as mobile phone numbers, identity card numbers and the like on the basis of the existing service of each operation mechanism App, and is a technical problem to be solved urgently at present.

Disclosure of Invention

In view of the above, the embodiment of the invention provides a method and a device for transferring digital money, which can realize convenient transfer of digital money and expand the application scene of digital money.

To achieve the above objects, according to one aspect of embodiments of the present invention, a method of digital money transfer is provided.

A method of digital money transfer, comprising:

receiving a money transfer identification number of a payee input by a user, and determining a corresponding payee operation mechanism according to the money transfer identification number;

receiving transfer amount input by a user, and generating a transfer processing instruction according to the transfer amount, wherein the transfer processing instruction comprises a payee operation mechanism identifier;

the transfer processing instruction is sent to a payer operation mechanism so that the payer operation mechanism and a payee operation mechanism carry out transfer processing, wherein the transfer processing comprises that the payer operation mechanism logs off digital currency corresponding to the transfer amount, and the payee operation mechanism generates the digital currency corresponding to the transfer amount;

under the condition that the payer operation mechanism and the payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism carry out transfer processing through a pre-established interconnection platform.

Optionally, determining the corresponding payee operating mechanism according to the transfer identification number includes:

Acquiring a collection party operation mechanism set corresponding to the transfer identification number from a digital money wallet background according to the transfer identification number;

and acquiring a payee operation mechanism selected by the user from the payee operation mechanism set as a payee operation mechanism corresponding to the transfer identification number.

Optionally, after determining the corresponding payee operation mechanism according to the transfer identification number, the method further comprises:

querying the payee operator mechanism for wallet information, the wallet information comprising a real name status of the wallet;

before generating the transfer processing instruction according to the transfer amount, further comprising:

prompting a user to input a payee name to perform real name verification under the condition that the payee wallet is a real name wallet;

in the case where the wallet is a non-real name wallet, no prompt is required.

Optionally, generating the transfer processing instruction according to the transfer amount includes:

obtaining the balance of a payment wallet, and judging whether the balance of the payment wallet is smaller than the transfer amount;

under the condition that the balance of the payment wallet is not smaller than the transfer amount, acquiring a payment password of the payment wallet and generating a transfer processing instruction;

And under the condition that the balance of the payment wallet is smaller than the transfer amount, carrying out digital currency exchange and generating a transfer processing instruction.

Optionally, performing the redemption of the digital currency and generating the transfer processing instruction includes:

querying a bank card bound to the payment wallet from the payer operator;

in response to receiving a user-selected bank card, confirming payment information and acquiring a payment password of the payment wallet, wherein the payment information comprises a redemption amount, and the redemption amount is the difference between the transfer amount and the balance of the payment wallet;

generating a redemption request according to the redemption amount, and sending the redemption request to the payer operating mechanism, so that the payer operating mechanism sends the redemption request to a bank card mechanism for digital currency redemption through the interconnection platform;

in response to receiving the converted digital currency, a transfer processing instruction is generated.

querying a bank card bound to the payment wallet from the payer operator;

in response to receiving a user selected bank card, confirming payment information and acquiring the payment wallet redemption amount;

updating a balance of the payment wallet in response to receiving the converted digital currency, and determining whether the balance of the payment wallet is less than a transfer amount;

and generating a transfer processing instruction in case that the balance of the payment wallet is not less than the transfer amount;

otherwise, repeating the steps until the transfer processing instruction is generated.

Optionally, the payer operator deregisters digital currency corresponding to the transfer amount includes:

if the balance of the payment wallet is equal to the transfer amount, the digital currency in the payment wallet is cancelled;

and if the balance of the payment wallet is larger than the transfer amount, the digital currency in the payment wallet is cancelled, and new digital currency is generated according to the difference between the balance of the payment wallet and the transfer amount.

Optionally, in the case that the payer operation mechanism and the payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism perform transfer processing through a pre-established interconnection platform, including:

The payer operation mechanism sends a wallet collecting inquiry request to the payee operation mechanism through a pre-established interconnection platform so as to inquire wallet identification of the wallet collecting;

the payer operation mechanism generates a transfer request according to the wallet identification of the money receiving wallet, the wallet identification of the money receiving wallet and the transfer amount, and sends the transfer request to the payee operation mechanism through the interconnection platform for transfer processing, wherein the transfer request is used for transferring digital currency corresponding to the transfer amount from the money receiving wallet to the money receiving wallet.

Optionally, the method further comprises:

in the case where the payer operating mechanism and the payee operating mechanism are the same mechanism, the payer operating mechanism directly queries the wallet identification of the wallet from the payer operating mechanism or the payee operating mechanism;

and the payer operation mechanism transfers digital currency corresponding to the transfer amount from the payment wallet to the payment wallet according to the wallet identification of the payment wallet, the wallet identification of the payment wallet and the transfer amount.

Optionally, the method further comprises: and under the condition that the payer operation mechanism and the payee operation mechanism are different mechanisms, after the transfer is successful, the payer operation mechanism and the payee operation mechanism respectively send message notification to the digital currency wallet background through the interconnection and interworking platform so as to push the message.

In accordance with another aspect of an embodiment of the present invention, an apparatus for digital money transfer is provided.

An apparatus for digital money transfer, comprising:

the receiving mechanism determining module is used for receiving a receiving party transfer identification number input by a user and determining a corresponding receiving party operation mechanism according to the transfer identification number;

the transfer instruction generation module is used for receiving the transfer amount input by the user, generating a transfer processing instruction according to the transfer amount, wherein the transfer processing instruction comprises a payee operation mechanism identifier;

the transfer processing module is used for sending the transfer processing instruction to a payer operation mechanism so as to enable the payer operation mechanism to carry out transfer processing with a payee operation mechanism, wherein the transfer processing comprises that the payer operation mechanism logs off digital currency corresponding to the transfer amount, and the payee operation mechanism generates the digital currency corresponding to the transfer amount; under the condition that the payer operation mechanism and the payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism carry out transfer processing through a pre-established interconnection platform.

According to yet another aspect of an embodiment of the present invention, a method of digital money transfer is provided.

A method of digital money transfer, comprising:

receiving a transfer processing instruction sent by a payer, wherein the transfer processing instruction comprises transfer amount and a payee operation mechanism identifier;

acquiring digital currency of the payer, and logging off the digital currency corresponding to the transfer amount;

sending the transfer processing instruction to the receiving party operation mechanism so that the receiving party operation mechanism generates digital currency corresponding to the transfer amount to perform transfer processing;

under the condition that a payee operation mechanism and a payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism carry out transfer processing through a pre-established interconnection platform.

Optionally, the payee operator identity is obtained by the payer by:

Optionally, the transfer processing instruction is generated by the payer by:

Optionally, the method further comprises:

inquiring the bank card bound by the payment wallet according to a bank card inquiry request sent by the payer and returning the bank card to the payer so that the payer generates a redemption request according to the bank card selected by a user and payment information, wherein the payment information comprises a redemption amount which is the difference between the transfer amount and the balance of the payment wallet;

receiving a redemption request from the payer;

the request for the redemption is sent to a bank card mechanism for the redemption of digital currency through the interconnection platform;

and receiving the digital currency which is converted and sent by the bank card mechanism through the interconnection platform, and sending the digital currency which is converted to the payer for generating a transfer processing instruction.

Optionally, the method further comprises:

inquiring the bank card bound by the payment wallet according to a bank card inquiry request sent by the payer and returning the bank card bound by the payment wallet to the payer so that the payer can exchange the amount according to the bank card and payment information selected by the user;

receiving a redemption request from the payer;

receiving the digital currency which is sent by the bank card mechanism through the interconnection platform, sending the digital currency to the payer so that the payer can update the balance of the payment wallet, judging whether the balance of the payment wallet is smaller than the transfer amount, and generating a transfer processing instruction under the condition that the balance of the payment wallet is not smaller than the transfer amount.

Optionally, deregistering the digital currency corresponding to the transfer amount includes:

According to yet another aspect of an embodiment of the present invention, an apparatus for digital money transfer is provided.

An apparatus for digital money transfer, comprising:

the instruction receiving module is used for receiving a transfer processing instruction sent by a payer, wherein the transfer processing instruction comprises transfer amount and a payee operation mechanism identifier;

the digital currency cancellation module is used for acquiring the digital currency of the payer and canceling the digital currency corresponding to the transfer amount;

the instruction forwarding module is used for sending the transfer processing instruction to the receiving party operation mechanism so that the receiving party operation mechanism generates digital currency corresponding to the transfer amount to perform transfer processing; under the condition that a payee operation mechanism and a payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism carry out transfer processing through a pre-established interconnection platform.

According to yet another aspect of an embodiment of the present invention, an electronic device for digital money transfer is provided.

An electronic device for digital money transfer, comprising: one or more processors; and a storage device for storing one or more programs that, when executed by the one or more processors, cause the one or more processors to implement the method of digital money transfer provided by embodiments of the present invention.

According to yet another aspect of an embodiment of the present invention, a computer-readable medium is provided.

A computer readable medium having stored thereon a computer program which when executed by a processor performs a method of digital money transfer as provided by an embodiment of the invention.

One embodiment of the above invention has the following advantages or benefits: the method comprises the steps of determining a corresponding payee operation mechanism according to a payee transfer identification number input by a user by receiving the payee transfer identification number; receiving the transfer amount input by a user, generating a transfer processing instruction according to the transfer amount, and sending the transfer processing instruction to a payer operation mechanism so that the payer operation mechanism and a payee operation mechanism carry out transfer processing, wherein the transfer processing comprises that the payer operation mechanism logs off digital currency corresponding to the transfer amount, and the payee operation mechanism generates digital currency corresponding to the transfer amount; under the condition that the payer operation mechanism and the payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism carry out transfer processing through a pre-established interconnection platform, the interconnection platform established through the operation mechanism and the central line service is realized, and the transfer between purses is carried out based on transfer identification numbers such as mobile phone numbers, identity card numbers and the like, so that the convenient transfer of digital money is realized, and the application scene of the digital money is expanded.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the major steps of a method of digital money transfer according to one embodiment of the invention;

FIG. 2 is a schematic diagram of the major steps of a method of digital money transfer according to another embodiment of the invention;

FIG. 3 is a schematic diagram of a digital money transfer flow according to one embodiment of the invention;

FIG. 4 is a schematic diagram of the primary modules of an apparatus for digital money transfer according to one embodiment of the invention;

FIG. 5 is a schematic diagram of the primary modules of an apparatus for digital money transfer according to another embodiment of the invention;

FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

fig. 7 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered 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.

At present, on the basis of the existing service of each operation mechanism App, how to conveniently transfer money between wallets based on transfer identification numbers such as mobile phone numbers, identity card numbers and the like through an interconnection platform established by the operation mechanism and a central service is very important.

The invention realizes the digital money transfer processing between money wallets by setting up an interconnection platform between a background of a central row and each operation mechanism of the wallets, and the information request between each operation mechanism and the central row and the information request between each operation mechanism are realized by the interconnection platform. The digital currency APP firstly queries a default payee operation mechanism of the inputted money receiving mobile phone number and other transfer identification numbers in the background of the wallet, and then queries the information of the money receiving wallet by the payee operation mechanism. After the digital currency APP inputs the transfer amount and the password, a transfer processing instruction is sent to the payer operating mechanism. The payer operation mechanism sends a transfer request to the payee operation mechanism, and the payee operation mechanism returns a response after successful verification. After receiving the response, the payer operation mechanism sends a payment notice to the background of the wallet, and the payee operation mechanism sends a receipt notice to the mobile phone number of the payee.

FIG. 1 is a schematic diagram of the major steps of a method of digital money transfer according to one embodiment of the invention. In this embodiment, the execution subject of the method is a digital money wallet APP of the payer, also referred to simply as a payment wallet APP. As shown in fig. 1, the method of digital money transfer according to the embodiment of the present invention mainly includes the following steps S101 to S103.

Step S101: and receiving a money transfer identification number of a payee input by a user, and determining a corresponding payee operation mechanism according to the money transfer identification number. According to the embodiment of the invention, the transfer identification number of the payee is unique identification information such as a mobile phone number, an identity card number and the like of the payee;

step S102: receiving transfer amount input by a user, and generating a transfer processing instruction according to the transfer amount, wherein the transfer processing instruction comprises a payee operation mechanism identifier;

step S103: the transfer processing instruction is sent to a payer operation mechanism so that the payer operation mechanism and a payee operation mechanism carry out transfer processing, wherein the transfer processing comprises that the payer operation mechanism logs off digital currency corresponding to the transfer amount, and the payee operation mechanism generates the digital currency corresponding to the transfer amount; under the condition that the payer operation mechanism and the payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism carry out transfer processing through a pre-established interconnection platform. In the embodiment of the invention, the digital currency is a unique encrypted string with a credit attribute. When digital money transfer is carried out, the payor logs out the digital money equal to the transfer amount, namely, the money is melted, the payor generates the digital money equal to the transfer amount, namely, the money casting is realized, and the digital money is transferred through the money melting and the money casting.

According to one embodiment of the present invention, when determining the corresponding payee operation mechanism according to the transfer identification number, specifically, a collection of payee operation mechanisms corresponding to the transfer identification number may be obtained from a digital money wallet background according to the transfer identification number; and acquiring a payee operation mechanism selected by the user from the payee operation mechanism set as a payee operation mechanism corresponding to the transfer identification number. In the implementation, a user inputs a mobile phone number of a payee at the front end of a digital money wallet App of the payer, the payer App sends an operation mechanism inquiry request to a wallet background, inquires an operation mechanism of a default payee wallet corresponding to the mobile phone number, displays the inquired operation mechanism name at the front end, and then the user selects the operation mechanism of the payee at the front end of the payer App.

According to another embodiment of the present invention, after determining the corresponding payee operation mechanism according to the transfer identification number, the method further comprises: querying the payee operator mechanism for wallet information, the wallet information comprising a real name status of the wallet; and, before generating the transfer processing instruction according to the transfer amount, further comprising: prompting a user to input a payee name to perform real name verification under the condition that the payee wallet is a real name wallet; in the case where the wallet is a non-real name wallet, no prompt is required. The wallet information includes, for example, nickname, real name status, and the like of the wallet. In the embodiment of the invention, after the user inputs the transfer amount at the front end of the payer App, the payer App can judge according to the real-name state of the money receiving wallet, and if the money receiving wallet is a non-real-name wallet, real-name verification is not needed; if the collection wallet is a real name wallet, real name verification is needed, at the moment, the front end of the payer App pops up an input box, and the user is prompted to input the name of the payee to perform real name verification, so that transaction safety is guaranteed.

According to still another embodiment of the present invention, generating the transfer processing instruction according to the transfer amount may include: obtaining the balance of a payment wallet, and judging whether the balance of the payment wallet is smaller than the transfer amount; under the condition that the balance of the payment wallet is not smaller than the transfer amount, acquiring a payment password of the payment wallet and generating a transfer processing instruction; and under the condition that the balance of the payment wallet is smaller than the transfer amount, carrying out digital currency exchange and generating a transfer processing instruction. After the user inputs the transfer amount, the payer App will obtain the current balance of the payer's payment wallet and determine if the balance is less than the transfer amount. And when the balance is not less than the transfer amount, directly generating an instruction of transfer processing, so that the payer operating mechanism and the payee operating mechanism perform digital money transfer processing. When the balance is less than the transfer amount, it is necessary to first perform digital money exchange and then transfer. In an embodiment of the present invention, when the balance is smaller than the transfer amount, there may be two processing manners: firstly, the cash is checked out and transferred, at the moment, the cash amount is directly obtained by a payor App, namely, the difference between the cash amount and the current balance is obtained, and after the cash is checked out, a transfer processing instruction is directly generated to carry out transfer processing; and secondly, transferring the money again after the money is transferred, wherein the money transfer amount can be input by a user and is not limited by the difference between the transferred money and the current balance, and the money transfer flow is re-entered after the money transfer is completed.

According to still another embodiment of the present invention, performing the redemption of digital money and generating transfer processing instructions may include: querying a bank card bound to the payment wallet from the payer operator; in response to receiving a user-selected bank card, confirming payment information and acquiring a payment password of the payment wallet, wherein the payment information comprises a redemption amount, and the redemption amount is the difference between the transfer amount and the balance of the payment wallet; generating a redemption request according to the redemption amount, and sending the redemption request to the payer operating mechanism, so that the payer operating mechanism sends the redemption request to a bank card mechanism for digital currency redemption through the interconnection platform; in response to receiving the converted digital currency, a transfer processing instruction is generated. In this embodiment, the payment information may include information of a redemption amount, a transfer amount, a digital currency string, and the like.

According to still another embodiment of the present invention, performing the redemption of digital money and generating transfer processing instructions includes: querying a bank card bound to the payment wallet from the payer operator; in response to receiving a user selected bank card, confirming payment information and acquiring the payment wallet redemption amount; generating a redemption request according to the redemption amount, and sending the redemption request to the payer operating mechanism, so that the payer operating mechanism sends the redemption request to a bank card mechanism for digital currency redemption through the interconnection platform; updating a balance of the payment wallet in response to receiving the converted digital currency, and determining whether the balance of the payment wallet is less than a transfer amount; and generating a transfer processing instruction in case that the balance of the payment wallet is not less than the transfer amount; otherwise, repeating the steps until the transfer processing instruction is generated. In this embodiment, the payment information may include information of a redemption amount, a transfer amount, a digital currency string, and the like. At this time, a digital money exchange is required first, and then a transfer processing instruction is generated after the balance of the payment wallet is not less than the transfer amount.

According to still another embodiment of the present invention, the step of the payer operator deregistering the digital currency corresponding to the transfer amount may specifically include: if the balance of the payment wallet is equal to the transfer amount, the digital currency in the payment wallet is cancelled; and if the balance of the payment wallet is larger than the transfer amount, the digital currency in the payment wallet is cancelled, and new digital currency is generated according to the difference between the balance of the payment wallet and the transfer amount. For example: the transfer amount is 100 yuan, the available amount of the digital currency in the payment wallet is 150 yuan, at the moment, the payer operating mechanism logs out the digital currency in the payment wallet, generates a new digital currency according to the balance after transfer, and the available amount is 50 yuan. For another example, the transfer amount is 100 yuan, 2 digital currencies are in the payment wallet, and the available amount is 10 yuan and 90 yuan respectively, and then the payer operator can log out the 2 digital currencies in the payment wallet to realize the transfer.

According to still another embodiment of the present invention, in the case where the payer operator and the payee operator are different institutions, the payer operator and the payee operator perform transfer processing through a pre-established interworking platform, including: the payer operation mechanism sends a wallet collecting inquiry request to the payee operation mechanism through a pre-established interconnection platform so as to inquire wallet identification of the wallet collecting; the payer operation mechanism generates a transfer request according to the wallet identification of the money receiving wallet, the wallet identification of the money receiving wallet and the transfer amount, and sends the transfer request to the payee operation mechanism through the interconnection platform for transfer processing, wherein the transfer request is used for transferring digital currency corresponding to the transfer amount from the money receiving wallet to the money receiving wallet. When the transfer processing is carried out, the transfer processing occurs in a payment wallet to a collection wallet, and the back main body is the operation mechanism from the payer to the payee. The payer operator sends a transfer request to an interconnection platform, the interconnection platform identifies transaction types (such as balance inquiry, digital currency exchange, transfer, refund and the like), checks the state of the operator (referring to whether the operator is available) and message authority, records and manages the processing state of the transfer service (such as success or failure of execution, failure reason and the like), and then sends the transfer request to the payee operator. After the transfer service is successfully processed, the operation mechanism of the payee sends a transfer service response message to the interconnection platform, the interconnection platform performs data verification, changes the service processing state and then sends the message to the operation mechanism of the payer. After completion, the payer's wallet amount decreases, the payee's wallet amount increases, and the transfer transaction is completed.

According to yet another embodiment of the present invention, in case the payer operator and the payee operator are the same, the payer operator queries the wallet identification of the wallet directly from the payer operator or the payee operator; and the payer operation mechanism transfers digital currency corresponding to the transfer amount from the payment wallet to the payment wallet according to the wallet identification of the payment wallet, the wallet identification of the payment wallet and the transfer amount. In this scenario, since the payer operation mechanism and the payee operation mechanism are the same operation mechanism, data interaction through the interconnection platform is not required.

According to still another embodiment of the present invention, in the case that the payer operation mechanism and the payee operation mechanism are different mechanisms, after the transfer is successful, the payer operation mechanism and the payee operation mechanism send message notification to the digital money wallet background through the interconnection platform, respectively, so as to push the message. After the transfer is successful, the payer operation mechanism and the payee operation mechanism respectively send message notification requests to the wallet background through the interconnection and intercommunication platform to push the App receiving and paying messages.

FIG. 2 is a schematic diagram of the major steps of a method of digital money transfer according to another embodiment of the invention. In this embodiment, the principal of execution of the digital money transfer method is the payer operator. As shown in FIG. 2, the method of digital money transfer according to another embodiment of the present invention generally includes steps S201 to S203 as follows.

Step S201: receiving a transfer processing instruction sent by a payer, wherein the transfer processing instruction comprises transfer amount and a payee operation mechanism identifier;

step S202: acquiring digital currency of the payer, and logging off the digital currency corresponding to the transfer amount;

step S203: sending the transfer processing instruction to the receiving party operation mechanism so that the receiving party operation mechanism generates digital currency corresponding to the transfer amount to perform transfer processing; under the condition that a payee operation mechanism and a payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism carry out transfer processing through a pre-established interconnection platform.

According to one embodiment, the payee operator identity is obtained by the payer by: acquiring a collection party operation mechanism set corresponding to the transfer identification number from a digital money wallet background according to the transfer identification number; and acquiring a payee operation mechanism selected by the user from the payee operation mechanism set as a payee operation mechanism corresponding to the transfer identification number.

According to another embodiment, the transfer processing instruction is generated by the payer by: obtaining the balance of a payment wallet, and judging whether the balance of the payment wallet is smaller than the transfer amount; under the condition that the balance of the payment wallet is not smaller than the transfer amount, acquiring a payment password of the payment wallet and generating a transfer processing instruction; and under the condition that the balance of the payment wallet is smaller than the transfer amount, carrying out digital currency exchange and generating a transfer processing instruction.

According to a further embodiment, the method further comprises: inquiring the bank card bound by the payment wallet according to a bank card inquiry request sent by the payer and returning the bank card to the payer so that the payer generates a redemption request according to the bank card selected by a user and payment information, wherein the payment information comprises a redemption amount which is the difference between the transfer amount and the balance of the payment wallet; receiving a redemption request from the payer; the request for the redemption is sent to a bank card mechanism for the redemption of digital currency through the interconnection platform; and receiving the digital currency which is converted and sent by the bank card mechanism through the interconnection platform, and sending the digital currency which is converted to the payer for generating a transfer processing instruction.

According to a further embodiment, the method further comprises: inquiring the bank card bound by the payment wallet according to a bank card inquiry request sent by the payer and returning the bank card bound by the payment wallet to the payer so that the payer can exchange the amount according to the bank card and payment information selected by the user; receiving a redemption request from the payer; the request for the redemption is sent to a bank card mechanism for the redemption of digital currency through the interconnection platform; receiving the digital currency which is sent by the bank card mechanism through the interconnection platform, sending the digital currency to the payer so that the payer can update the balance of the payment wallet, judging whether the balance of the payment wallet is smaller than the transfer amount, and generating a transfer processing instruction under the condition that the balance of the payment wallet is not smaller than the transfer amount.

According to still another embodiment, the deregistering of the digital money corresponding to the transfer amount in step S202 specifically includes: if the balance of the payment wallet is equal to the transfer amount, the digital currency in the payment wallet is cancelled; and if the balance of the payment wallet is larger than the transfer amount, the digital currency in the payment wallet is cancelled, and new digital currency is generated according to the difference between the balance of the payment wallet and the transfer amount.

FIG. 3 is a schematic diagram of a digital money transfer flow according to one embodiment of the invention. As shown in fig. 3, in the embodiment of the present invention, taking a mobile phone number as an example of a transfer identification number, the digital money transfer process is implemented by a central row end and an operation mechanism end, and by a digital money wallet App and a wallet background together, and the specific flow is as follows:

1. the method comprises the steps that a user inputs a mobile phone number of a payee at the front end of a digital money wallet App of a payer, the payer App sends an operation mechanism inquiry request to a wallet background to inquire an operation mechanism of a default wallet corresponding to the mobile phone number, the inquired operation mechanism name is displayed at the front end of the payer App, and then the user selects the operation mechanism of the payee at the front end of the payer App;

2. the payment party App sends a wallet information inquiry request to a payment party operation mechanism selected by a user to acquire wallet information of a payment wallet, wherein the wallet information comprises information such as a payment wallet nickname, a wallet real name state (whether real name exists or not) and the like;

3. after the user inputs the transfer amount at the front end of the payer App, the payer App can judge according to the real-name state of the money receiving wallet;

a) If the money receiving wallet is a non-real name wallet, directly entering the step 4;

b) If the money receiving wallet is a real name wallet, the front end of the payer App pops up an input box to prompt the user to input the name of the payee and then enter step 4.

4. The payer App makes the following decisions based on the balance of the payment wallet:

a) If the balance of the payment wallet is not less than the transfer amount, the user inputs a payment password of the payment wallet at the front end of the payer App, and the payer App sends a transfer processing instruction to a payer operation mechanism;

b) If the balance of the payment wallet is smaller than the transfer amount, the front end of the payment party App sends a wallet binding bank card inquiry request to the payment party operation mechanism to inquire the bank card bound by the payment wallet, and after the front end of the payment party App selects the bank card, a user confirms payment information and inputs a payment password of the payment wallet; the payer App sends a transfer processing instruction to the payer operation mechanism, and enters a process of exchanging out and transferring accounts. In this scenario, the payment information includes, for example, information of a redemption amount, a transfer amount, a digital currency string, and the like;

5. if the payee and the payer are different institutions, the payer operation institution sends a wallet identification ID query request to the payee operation institution through the interconnection platform to query the wallet ID. If the balance of the payment wallet is smaller than the transfer amount, the payer operation mechanism sends a redemption request to the bank card mechanism through the interconnection platform, and the payment wallet ID is queried after successful redemption. And then, the payer operation mechanism sends a transfer request to the payee operation mechanism through the interconnection platform to transfer accounts. At this time, the transfer request includes information such as transfer amount, payment wallet identification ID, collection wallet identification ID, digital money string, and the like;

6. The payer operation mechanism and the payee operation mechanism carry out transfer processing through the interconnection platform and transfer the digital money in the payment wallet to the payee wallet. The transfer process occurs from a payment wallet to a collection wallet, with the principal behind from the payer's operator to the payee's operator. The payer operation mechanism sends a transfer request to the interconnection platform, the interconnection platform identifies transaction types (such as redemption, transfer, refund and the like), checks the mechanism state and message authority, records and manages the processing state of the transfer service, and then sends the transfer request to the payee operation mechanism. After successful service processing, the operation mechanism of the payee sends a payment service response message to the interconnection platform, the interconnection platform performs data verification, changes the service processing state and then sends the payment service response message to the operation mechanism of the payee. After completion, the payment wallet amount is reduced, the collection wallet amount is increased, and the transfer transaction is completed;

7. after the transfer is successful, the payer operation mechanism and the payee operation mechanism respectively send message notification requests to the wallet background through the interconnection and intercommunication platform to push the App receiving and paying messages.

FIG. 4 is a schematic diagram of the primary modules of an apparatus for digital money transfer according to one embodiment of the invention. In this embodiment, the digital money transfer device is located at the payment wallet APP end. As shown in fig. 4, the digital money transfer apparatus 400 according to the embodiment of the present invention mainly includes a receiving institution determining module 401, a transfer instruction generating module 402, and a transfer processing module 403.

The receiving mechanism determining module 401 is configured to receive a receiving party transfer identification number input by a user, and determine a corresponding receiving party operation mechanism according to the transfer identification number;

the transfer instruction generating module 402 is configured to receive a transfer amount input by a user, and generate a transfer processing instruction according to the transfer amount, where the transfer processing instruction includes a payee operation mechanism identifier;

a transfer processing module 403, configured to send the transfer processing instruction to a payor operator, so that the payor operator and the payor operator perform transfer processing, where the transfer processing includes the payor operator logging off digital currency corresponding to the transfer amount, and the payor operator generating digital currency corresponding to the transfer amount; under the condition that the payer operation mechanism and the payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism carry out transfer processing through a pre-established interconnection platform.

According to one embodiment of the invention, the cash register determination module 401 may also be configured to: acquiring a collection party operation mechanism set corresponding to the transfer identification number from a digital money wallet background according to the transfer identification number; and acquiring a payee operation mechanism selected by the user from the payee operation mechanism set as a payee operation mechanism corresponding to the transfer identification number.

According to another embodiment of the invention, the digital money transfer apparatus 400 may further include a wallet information query module (not shown) for: after determining the corresponding receiving party operation mechanism according to the transfer identification number, inquiring receiving wallet information to the receiving party operation mechanism, wherein the receiving wallet information comprises the real name state of the receiving wallet;

also, the digital money transfer apparatus 400 may further include a real-name verification module (not shown) for: before generating a transfer processing instruction according to the transfer amount, prompting a user to input a payee name for real name verification under the condition that the money receiving wallet is a real name wallet; in the case where the wallet is a non-real name wallet, no prompt is required.

According to yet another embodiment of the present invention, the transfer instruction generation module 402 may be further configured to: obtaining the balance of a payment wallet, and judging whether the balance of the payment wallet is smaller than the transfer amount; under the condition that the balance of the payment wallet is not smaller than the transfer amount, acquiring a payment password of the payment wallet and generating a transfer processing instruction; and under the condition that the balance of the payment wallet is smaller than the transfer amount, carrying out digital currency exchange and generating a transfer processing instruction.

According to yet another embodiment of the present invention, the transfer instruction generation module 402 may be further configured to: querying a bank card bound to the payment wallet from the payer operator; in response to receiving a user-selected bank card, confirming payment information and acquiring a payment password of the payment wallet, wherein the payment information comprises a redemption amount, and the redemption amount is the difference between the transfer amount and the balance of the payment wallet; generating a redemption request according to the redemption amount, and sending the redemption request to the payer operating mechanism, so that the payer operating mechanism sends the redemption request to a bank card mechanism for digital currency redemption through the interconnection platform; in response to receiving the converted digital currency, a transfer processing instruction is generated.

According to yet another embodiment of the present invention, the transfer instruction generation module 402 may be further configured to: querying a bank card bound to the payment wallet from the payer operator; in response to receiving a user selected bank card, confirming payment information and acquiring the payment wallet redemption amount; generating a redemption request according to the redemption amount, and sending the redemption request to the payer operating mechanism, so that the payer operating mechanism sends the redemption request to a bank card mechanism for digital currency redemption through the interconnection platform; updating a balance of the payment wallet in response to receiving the converted digital currency, and determining whether the balance of the payment wallet is less than a transfer amount; and generating a transfer processing instruction in case that the balance of the payment wallet is not less than the transfer amount; otherwise, repeating the steps until the transfer processing instruction is generated.

According to yet another embodiment of the present invention, the transfer processing module 403 may also be configured to: if the balance of the payment wallet is equal to the transfer amount, the digital currency in the payment wallet is cancelled; and if the balance of the payment wallet is larger than the transfer amount, the digital currency in the payment wallet is cancelled, and new digital currency is generated according to the difference between the balance of the payment wallet and the transfer amount.

According to still another embodiment of the present invention, in the case that the payer operation mechanism and the payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism perform transfer processing through a pre-established interconnection platform, which may specifically include: the payer operation mechanism sends a wallet collecting inquiry request to the payee operation mechanism through a pre-established interconnection platform so as to inquire wallet identification of the wallet collecting; the payer operation mechanism generates a transfer request according to the wallet identification of the money receiving wallet, the wallet identification of the money receiving wallet and the transfer amount, and sends the transfer request to the payee operation mechanism through the interconnection platform for transfer processing, wherein the transfer request is used for transferring digital currency corresponding to the transfer amount from the money receiving wallet to the money receiving wallet.

According to yet another embodiment of the present invention, the transfer processing module 402 may also be configured to: in the case where the payer operating mechanism and the payee operating mechanism are the same mechanism, the payer operating mechanism directly queries the wallet identification of the wallet from the payer operating mechanism or the payee operating mechanism; and the payer operation mechanism transfers digital currency corresponding to the transfer amount from the payment wallet to the payment wallet according to the wallet identification of the payment wallet, the wallet identification of the payment wallet and the transfer amount.

According to yet another embodiment of the invention, the digital money transfer apparatus 400 may further include a message pushing module (not shown) for: and under the condition that the payer operation mechanism and the payee operation mechanism are different mechanisms, after the transfer is successful, the payer operation mechanism and the payee operation mechanism respectively send message notification to the digital currency wallet background through the interconnection and interworking platform so as to push the message.

Fig. 5 is a schematic diagram of the primary modules of an apparatus for digital money transfer according to another embodiment of the invention. In this embodiment, the digital money transfer device is located at the payer operator. As shown in FIG. 5, a digital money transfer device 500 of an embodiment of the present invention generally includes an instruction receiving module 501, a digital money cancellation module 502, and an instruction forwarding module 503.

The instruction receiving module 501 is configured to receive a transfer processing instruction sent by a payer, where the transfer processing instruction includes a transfer amount and a payee operation mechanism identifier;

a digital money cancellation module 502 for acquiring digital money of the payer, and canceling the digital money corresponding to the transfer amount;

an instruction forwarding module 503, configured to send the transfer processing instruction to the payee operation mechanism, so that the payee operation mechanism generates digital currency corresponding to the transfer amount for transfer processing; under the condition that a payee operation mechanism and a payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism carry out transfer processing through a pre-established interconnection platform.

According to one embodiment of the invention, the payee operator identity is obtained by the payer by: acquiring a collection party operation mechanism set corresponding to the transfer identification number from a digital money wallet background according to the transfer identification number; and acquiring a payee operation mechanism selected by the user from the payee operation mechanism set as a payee operation mechanism corresponding to the transfer identification number.

According to one of the embodiments, the transfer processing instruction is generated by the payer by: obtaining the balance of a payment wallet, and judging whether the balance of the payment wallet is smaller than the transfer amount; under the condition that the balance of the payment wallet is not smaller than the transfer amount, acquiring a payment password of the payment wallet and generating a transfer processing instruction; and under the condition that the balance of the payment wallet is smaller than the transfer amount, carrying out digital currency exchange and generating a transfer processing instruction.

According to another embodiment of the invention, the digital money transfer apparatus 500 may further include a digital money redemption module (not shown) for: inquiring the bank card bound by the payment wallet according to a bank card inquiry request sent by the payer and returning the bank card to the payer so that the payer generates a redemption request according to the bank card selected by a user and payment information, wherein the payment information comprises a redemption amount which is the difference between the transfer amount and the balance of the payment wallet; receiving a redemption request from the payer; the request for the redemption is sent to a bank card mechanism for the redemption of digital currency through the interconnection platform; and receiving the digital currency which is converted and sent by the bank card mechanism through the interconnection platform, and sending the digital currency which is converted to the payer for generating a transfer processing instruction.

According to yet another embodiment of the present invention, a digital currency redemption module (not shown) may also be used to: inquiring the bank card bound by the payment wallet according to a bank card inquiry request sent by the payer and returning the bank card bound by the payment wallet to the payer so that the payer can exchange the amount according to the bank card and payment information selected by the user; receiving a redemption request from the payer; the request for the redemption is sent to a bank card mechanism for the redemption of digital currency through the interconnection platform; receiving the digital currency which is sent by the bank card mechanism through the interconnection platform, sending the digital currency to the payer so that the payer can update the balance of the payment wallet, judging whether the balance of the payment wallet is smaller than the transfer amount, and generating a transfer processing instruction under the condition that the balance of the payment wallet is not smaller than the transfer amount.

According to yet another embodiment of the invention, the digital money cancellation module 502 may also be configured to: if the balance of the payment wallet is equal to the transfer amount, the digital currency in the payment wallet is cancelled; and if the balance of the payment wallet is larger than the transfer amount, the digital currency in the payment wallet is cancelled, and new digital currency is generated according to the difference between the balance of the payment wallet and the transfer amount.

According to the technical scheme of the embodiment of the invention, the corresponding payee operation mechanism is determined according to the transfer identification number by receiving the payee transfer identification number input by the user; receiving the transfer amount input by a user, generating a transfer processing instruction according to the transfer amount, and sending the transfer processing instruction to a payer operation mechanism so that the payer operation mechanism and a payee operation mechanism carry out transfer processing, wherein the transfer processing comprises that the payer operation mechanism logs off digital currency corresponding to the transfer amount, and the payee operation mechanism generates digital currency corresponding to the transfer amount; under the condition that the payer operation mechanism and the payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism carry out transfer processing through a pre-established interconnection platform, the interconnection platform established through the operation mechanism and the central line service is realized, and the transfer between purses is carried out based on transfer identification numbers such as mobile phone numbers, identity card numbers and the like, so that the convenient transfer of digital money is realized, and the application scene of the digital money is expanded.

FIG. 6 illustrates an exemplary system architecture 600 of a digital money transfer method or device to which embodiments of the invention may be applied.

As shown in fig. 6, the system architecture 600 may include

terminal devices

601, 602, 603, a network 604, and a server 605. The network 604 is used as a medium to provide communication links between the

terminal devices

601, 602, 603 and the server 605. The network 604 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with the server 605 via the network 604 using the

terminal devices

601, 602, 603 to receive or send messages, etc. Various communication client applications such as a banking application, a digital money wallet application, etc. (only examples) may be installed on the

terminal devices

601, 602, 603.

The

terminal devices

601, 602, 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 605 may be a server providing various services, such as a background management server (by way of example only) that provides support for digital money business process requests issued by users using the

terminal devices

601, 602, 603. The background management server can receive the receiving party transfer identification number input by a user and the like for the received data such as the digital money transfer request, and determines a corresponding receiving party operation mechanism according to the transfer identification number; receiving a transfer amount input by a user, generating a transfer processing instruction according to the transfer amount, and sending the transfer processing instruction to a payer operation mechanism, so that the payer operation mechanism and a payee operation mechanism perform transfer processing and other processing, and feeding back processing results (such as a transfer result and a digital currency string of transfer-only examples) to a terminal device.

It should be noted that the method for transferring digital money according to the embodiment of the present invention is generally performed by the server 605, and accordingly, the device for transferring digital money is generally disposed in the server 605.

It should be understood that the number of terminal devices, networks and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 7, there is illustrated a schematic diagram of a computer system 700 suitable for use in implementing a terminal device or server in accordance with an embodiment of the present invention. The terminal device or server shown in fig. 7 is only an example, and should not impose any limitation on the functions and scope of use of the embodiments of the present invention.

As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU) 701, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data required for the operation of the system 700 are also stored. The CPU 701, ROM 702, and RAM 703 are connected to each other through a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.

The following components are connected to the I/O interface 705: an input section 706 including a keyboard, a mouse, and the like; an output portion 707 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 708 including a hard disk or the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. The drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read therefrom is mounted into the storage section 708 as necessary.

In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 709, and/or installed from the removable medium 711. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 701.

The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any 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 this document, 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, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. 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 flowcharts 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 units or modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described units or modules may also be provided in a processor, for example, as: a processor includes a cash register determination module, a transfer instruction generation module, and a transfer processing module. The names of these units or modules do not in some cases limit the unit or module itself, and for example, the receiving-side determining module may also be described as "a module for receiving a receiving-side transfer identification number entered by the user, and determining a corresponding receiving-side operating mechanism according to the transfer identification number".

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 present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: receiving a money transfer identification number of a payee input by a user, and determining a corresponding payee operation mechanism according to the money transfer identification number; receiving transfer amount input by a user, and generating a transfer processing instruction according to the transfer amount, wherein the transfer processing instruction comprises a payee operation mechanism identifier; the transfer processing instruction is sent to a payer operation mechanism so that the payer operation mechanism and the payee operation mechanism carry out transfer processing, the transfer processing comprises that the payer operation mechanism logs off digital currency corresponding to the transfer amount, and the payee operation mechanism generates digital currency corresponding to the transfer amount and transfers the digital currency to a cash wallet from the cash wallet; under the condition that the payer operation mechanism and the payee operation mechanism are different mechanisms, the payer operation mechanism and the payee operation mechanism carry out transfer processing through a pre-established interconnection platform.

The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims

1. A method of digital money transfer, comprising:

2. The method of claim 1, wherein determining the corresponding payee operator according to the transfer identification number comprises:

3. The method of claim 1, further comprising, after determining the corresponding payee operator according to the transfer identification number:

in the case where the wallet is a non-real name wallet, no prompt is required.

4. The method of claim 1, wherein generating the transfer processing instruction according to the transfer amount comprises:

5. The method of claim 4, wherein performing the redemption of digital currency and generating transfer process instructions comprises:

querying a bank card bound to the payment wallet from the payer operator;

6. The method of claim 4, wherein performing the redemption of digital currency and generating transfer process instructions comprises:

querying a bank card bound to the payment wallet from the payer operator;

in response to receiving a user-selected bank card, confirming payment information and acquiring a payment password of the payment wallet, wherein the payment information comprises a redemption amount input by a user;

7. The method of claim 4, wherein the payor operator deregistering digital currency corresponding to the transfer amount comprises:

8. The method according to claim 1, wherein in the case where the payer operator and the payee operator are different institutions, the payer operator and the payee operator perform transfer processing through a pre-established interworking platform, comprising:

9. The method of claim 8, wherein the method further comprises:

10. The method according to claim 1 or 8, characterized in that the method further comprises:

and under the condition that the payer operation mechanism and the payee operation mechanism are different mechanisms, after the transfer is successful, the payer operation mechanism and the payee operation mechanism respectively send message notification to the digital currency wallet background through the interconnection and interworking platform so as to push the message.

11. An apparatus for digital money transfer, comprising:

12. A method of digital money transfer, comprising:

13. The method of claim 12, wherein the payee operator identity is obtained by the payer by:

14. The method of claim 12, wherein the transfer processing instructions are generated by the payer by:

15. The method of claim 14, wherein the method further comprises:

receiving a redemption request from the payer;

16. The method of claim 14, wherein the method further comprises:

inquiring the bank card bound by the payment wallet according to a bank card inquiry request sent by the payer and returning the bank card to the payer so that the payer generates a redemption request according to the bank card selected by the user and payment information, wherein the payment information comprises a redemption amount input by the user;

receiving a redemption request from the payer;

17. The method of claim 14, wherein deregistering digital currency corresponding to the transfer amount comprises:

18. An apparatus for digital money transfer, comprising:

19. An electronic device for digital money transfer, comprising:

one or more processors;

storage means for storing one or more programs,

when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-10 and/or 12-17.

20. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-10 and/or 12-17.