CN116342113A - Service processing method, device, computer readable storage medium and electronic equipment - Google Patents

Service processing method, device, computer readable storage medium and electronic equipment Download PDF

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Publication number
CN116342113A
CN116342113A CN202310273521.3A CN202310273521A CN116342113A CN 116342113 A CN116342113 A CN 116342113A CN 202310273521 A CN202310273521 A CN 202310273521A CN 116342113 A CN116342113 A CN 116342113A
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digital currency
service
security chip
information
digital
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陈仕棚
李智渊
刘佳琦
陈曦
何洋
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Digital Currency Institute of the Peoples Bank of China
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Digital Currency Institute of the Peoples Bank of China
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    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
    • G06Q30/0635—Processing of requisition or of purchase orders

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Abstract

The specification discloses a business processing method, a business processing device, a computer readable storage medium and electronic equipment. The mobile terminal is provided with a digital currency SIM card, the digital currency SIM card comprises a digital currency security chip, and the digital currency security chip stores digital currency of a digital currency account. First, in response to a service request to perform an online service, a transaction amount required to perform the online service is determined. And secondly, acquiring digital currency information corresponding to the transaction amount from the digital currency security chip. And finally, the digital currency information is sent to the server, so that the server executes online business according to the digital currency information. The method can obtain the digital currency information corresponding to the transaction amount from the digital currency security chip for online payment.

Description

Service processing method, device, computer readable storage medium and electronic equipment
Technical Field
The present disclosure relates to the field of internet technologies, and in particular, to a service processing method, a device, a computer readable storage medium, and an electronic apparatus.
Background
With the sequential expansion of the digital RMB test-point activities, the use of digital RMB is becoming more and more common. Currently, digital rmbs are used in hardware wallets, which are wallets based on the form of "chips", such as card-type hard wallets (smart cards), bracelet hard wallets, and the like. Digital rmbs are typically stored in a hardware wallet, and two hardware wallets with built-in digital currency chips are brought into close proximity to complete the payment.
However, this approach can only be used for off-line payments, and cannot be used for on-line payments.
Therefore, how to satisfy the online payment of the hardware wallet is a urgent problem to be solved.
Disclosure of Invention
The present specification provides a service processing method, apparatus, computer readable storage medium, and electronic device, so as to partially solve the foregoing problems in the prior art.
The technical scheme adopted in the specification is as follows:
the present specification provides a business processing method, which is applied to a mobile terminal, wherein a digital currency SIM card is installed on the mobile terminal, the digital currency SIM card comprises a digital currency security chip, digital currency of a digital currency account is stored in the digital currency security chip, and the business processing method comprises the following steps:
responding to a service request for executing the online service, and determining the transaction amount required by executing the online service;
acquiring digital currency information corresponding to the transaction amount from the digital currency security chip;
and sending the digital currency information to a server so that the server executes the online service according to the digital currency information.
Optionally, the service processing method further includes:
Receiving an execution result returned by the server for executing the online service;
and updating the digital currency stored in the digital currency security chip according to the execution result.
Optionally, the digital currency SIM card further comprises a near field communication NFC chip;
the method for acquiring the digital currency information corresponding to the transaction amount from the digital currency security chip specifically comprises the following steps:
according to the service request of executing the online service, a calling instruction is sent to the NFC chip, and a data acquisition signal for acquiring the digital currency information is sent to the digital currency security chip through the called NFC chip, so that the digital currency security chip returns the digital currency information to the NFC chip according to the data acquisition signal;
and acquiring the digital currency information from the NFC chip.
Optionally, according to the service request for executing the online service, a call instruction is sent to the NFC chip, and a data acquisition signal for acquiring the digital currency information is sent to the digital currency security chip through the called NFC chip, which specifically includes:
according to the service request of executing the online service, a call instruction is sent to the NFC chip, so that the NFC chip reads program data stored in the NFC chip according to the call instruction, and a data acquisition signal for acquiring the digital currency information is sent to the digital currency security chip according to the program data;
The method for acquiring the digital currency information from the NFC chip specifically comprises the following steps:
acquiring the digital currency information obtained by the NFC chip after analyzing the acquired response signal according to the program data from the NFC chip, wherein the response signal is returned to the NFC chip after the digital currency security chip receives the data acquisition signal.
The present specification provides a business processing method, which is applied to a mobile terminal, wherein a digital currency SIM card is installed on the mobile terminal, the digital currency SIM card comprises a digital currency security chip, digital currency of a digital currency account is stored in the digital currency security chip, and the business processing method comprises the following steps:
acquiring a service request sent by off-line equipment through a short-distance communication unit, and determining transaction amount required by executing off-line service corresponding to the service request;
sending a deduction request carrying the transaction amount to a server, so that the server deducts money from an online account according to the transaction amount and returns a response message;
adding the digital currency of the transaction amount to a digital currency account in the digital currency security chip according to the response message;
And acquiring the digital currency information of the transaction amount from the digital currency security chip, and sending the digital currency information to the off-line equipment through the short-distance communication unit so as to execute the off-line service.
Optionally, the short-range communication unit includes: a near field communication NFC chip, wherein the NFC chip is arranged in the digital currency SIM card;
the method for acquiring the digital currency information of the transaction amount from the digital currency security chip and sending the digital currency information to the offline device through the short-distance communication unit specifically comprises the following steps:
and acquiring the digital currency information of the transaction amount from the digital currency security chip through the NFC chip, and sending the digital currency information to the off-line equipment.
Optionally, the service processing method further includes:
the method comprises the steps of sending a service order of a user to a service platform, and determining a risk level corresponding to the user through the service platform;
and responding to the risk level of the user meeting a set condition, and sending the service order to a mobile operator terminal through the service platform so that the mobile operator terminal can manufacture the digital currency SIM card according to the service order.
Optionally, in response to the risk level of the user meeting a set condition, the service order is sent to a mobile operator terminal, which specifically includes:
determining a digital currency amount pre-charged in the digital currency SIM card in response to the risk level of the user meeting a set condition;
and sending the digital currency amount to a server through the service platform, so that the server sends digital currency information corresponding to the digital currency amount to a mobile operator terminal according to the digital currency amount, and the mobile operator terminal makes the digital currency SIM card according to the digital currency information.
The present specification provides a business processing device, the device is applied to mobile terminal, install digital currency SIM card on the mobile terminal, digital currency SIM card contains digital currency security chip, digital currency of digital currency account is kept to digital currency security chip, includes:
the response module is used for responding to a service request for executing the online service and determining the transaction amount required by executing the online service;
the acquisition module is used for acquiring digital currency information corresponding to the transaction amount from the digital currency security chip;
And the execution module is used for sending the digital currency information to a server so that the server executes the online service according to the digital currency information.
The present specification provides a business processing device, the device is applied to mobile terminal, install digital currency SIM card on the mobile terminal, digital currency SIM card contains digital currency security chip, digital currency of digital currency account is kept to digital currency security chip, includes:
the acquisition module is used for acquiring a service request sent by the off-line equipment through the short-distance communication unit and determining transaction amount required by executing the off-line service corresponding to the service request;
the deduction module is used for sending a deduction request carrying the transaction amount to the server so that the server deducts money from an online account according to the transaction amount and returns a response message;
the adding module is used for adding the digital currency of the transaction amount into the digital currency account in the digital currency security chip according to the response message;
and the sending module is used for acquiring the digital currency information of the transaction amount from the digital currency security chip and sending the digital currency information to the off-line equipment through the short-distance communication unit so as to execute the off-line service.
The present specification provides a computer readable storage medium storing a computer program which when executed by a processor implements the above-described business processing method.
The present specification provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the above-mentioned business processing method when executing the program.
The above-mentioned at least one technical scheme that this specification adopted can reach following beneficial effect:
in the business processing method provided by the specification, a digital currency SIM card is arranged on the mobile terminal, the digital currency SIM card comprises a digital currency security chip, and digital currency of a digital currency account is stored in the digital currency security chip. First, in response to a service request to perform an online service, a transaction amount required to perform the online service is determined. And secondly, acquiring digital currency information corresponding to the transaction amount from the digital currency security chip. And finally, the digital currency information is sent to the server, so that the server executes online business according to the digital currency information.
According to the method, the digital currency information corresponding to the transaction amount can be obtained from the digital currency security chip, and the digital currency information is sent to the server, so that the server can execute online business according to the digital currency information. The method can obtain the digital currency information corresponding to the transaction amount from the digital currency security chip for online payment.
Drawings
The accompanying drawings, which are included to provide a further understanding of the specification, illustrate and explain the exemplary embodiments of the present specification and their description, are not intended to limit the specification unduly. In the drawings:
fig. 1 is a schematic flow chart of a service processing method in the present specification;
FIG. 2 is a schematic flow chart of another business processing method in the present specification;
FIG. 3 is a schematic flow chart of a SIM card using digital currency;
fig. 4 is a schematic diagram of a service processing device provided in the present specification;
FIG. 5 is a schematic diagram of another service processing device provided in the present specification;
fig. 6 is a schematic diagram corresponding to the electronic device of fig. 1 provided in the present specification.
Detailed Description
For the purposes of making the objects, technical solutions and advantages of the present specification more apparent, the technical solutions of the present specification will be clearly and completely described below with reference to specific embodiments of the present specification and corresponding drawings. It will be apparent that the described embodiments are only some, but not all, of the embodiments of the present specification. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are intended to be within the scope of the present disclosure.
In practical applications, digital money offline payment is implemented by using NFC technology, and devices (e.g., mobile terminals) using NFC technology integrate functions of an inductive card reader, an inductive card and peer-to-peer communication on a chip, so that data exchange can be performed under the condition of being close to each other. That is, in order to complete the off-line payment of digital money, it is necessary that both the payee and the payer are hardware wallets having a built-in digital money chip.
However, this approach can only be used for off-line payments, and cannot be used for on-line payments. Based on this, the present specification solves the on-line payment problem of the hardware wallet by a digital money SIM (Subscriber Identity Module) card including a digital money security chip. As particularly shown in fig. 1, the flow shown in fig. 1 is mainly directed to a scenario in which online business is performed using offline digital money.
Fig. 1 is a flow chart of a service processing method in the present specification, specifically including the following steps:
s100: and responding to the service request for executing the online service, and determining the transaction amount required for executing the online service.
The execution subject of the service processing method in the present specification may be an electronic device such as a mobile terminal (mobile phone, tablet computer), and for convenience of description, the service processing method provided in the present specification will be described below with only the mobile terminal as the execution subject.
The mobile terminal is provided with a digital currency SIM card, the digital currency SIM card comprises a digital currency security chip, and the digital currency security chip stores digital currency of a digital currency account. The digital money referred to herein may be referred to as Renminbi.
In the embodiment of the present specification, the mobile terminal may determine a transaction amount required to perform the online service in response to a service request to perform the online service. The service request of the online service referred to herein may refer to a payment operation or a recharging operation performed by a user in a web page or Application (APP).
S102: and acquiring digital currency information corresponding to the transaction amount from the digital currency security chip.
In the embodiment of the present disclosure, the mobile terminal may obtain digital currency information corresponding to the transaction amount from the digital currency security chip.
The mobile terminal can acquire the digital currency information corresponding to the transaction amount from the digital currency security chip through various communication modes. For example, the digital currency SIM card comprises Bluetooth, and the mobile terminal can communicate with the digital currency SIM card through Bluetooth to acquire digital currency information corresponding to the transaction amount from the digital currency security chip. For another example, the digital currency SIM card includes a near field communication (Near Field Communication, NFC) chip, and the mobile terminal may communicate with the digital currency SIM card through the NFC chip to obtain digital currency information corresponding to the transaction amount from the digital currency security chip. The present description does not limit the manner in which communication is performed between the mobile terminal and the digital money security chip.
In this embodiment of the present disclosure, the mobile terminal may send a call instruction to the NFC chip according to a service request for executing an online service, and send, through the called NFC chip, a data acquisition signal for acquiring digital currency information to the digital currency security chip, so that the digital currency security chip returns the digital currency information to the NFC chip according to the data acquisition signal. The digital money information referred to herein may be a string of digital money, i.e., a string of encrypted characters representing digital money.
The mobile terminal may then obtain digital currency information from the NFC chip.
The NFC chips are coupled to each other by an ac magnetic field, and perform carrier modulation by an amplitude shift keying (Amplitude Shift Keying, ask) or Frequency Shift Keying (FSK) method, so as to transmit digital signals.
Specifically, the mobile terminal can generate a wireless radio frequency magnetic field through the NFC chip, send a data acquisition signal to the digital currency security chip, and respond to the data acquisition signal, and the digital currency security chip can automatically generate the wireless radio frequency magnetic field or utilize the mobile terminal to communicate through the wireless radio frequency magnetic field generated by the NFC chip. It will be seen that the above mentioned digital acquisition signal may refer to a digital signal for acquiring digital money information.
In this embodiment of the present disclosure, the mobile terminal may send a call instruction to the NFC chip according to a service request for executing an online service, so that the NFC chip reads, according to the call instruction, program data stored in the NFC chip itself, and sends, according to the program data, a data acquisition signal for acquiring digital currency information to the digital currency security chip.
Program data for realizing the NFC function is stored in the NFC chip, so that the NFC chip has the capability of transmitting data and analyzing the received data. That is, when receiving the call instruction, the NFC chip transmits a data acquisition signal for acquiring digital money information to the digital money security chip according to its own program data. And when receiving the response signal returned by the digital currency security chip, the NFC chip analyzes the response signal to obtain digital currency information in the response signal. The response signal referred to herein may be a return to the NFC chip after receiving the data acquisition signal.
In the embodiment of the present specification, an NFC chip may be provided in the mobile terminal. In this case, the digital-money SIM card may be provided with only the digital-money security chip. The mobile terminal can acquire the digital currency information corresponding to the transaction amount from the digital currency security chip through the NFC chip arranged by the mobile terminal.
Of course, the digital currency SIM card may also be provided with an NFC chip, and if the mobile terminal is not provided with the NFC chip, the mobile terminal not provided with the NFC chip may be connected with the NFC chip provided on the digital currency SIM card, so as to obtain digital currency information in the digital currency security chip through the NFC chip provided on the digital currency SIM card.
It can be seen that the method can be applied no matter whether the NFC chip is arranged in the mobile terminal or not under the condition that the NFC chip is arranged on the digital currency SIM card, so that the application range of the method is wider.
Further, if the mobile terminal and the digital currency SIM card are both provided with NFC chips, the NFC chips on the mobile terminal and the NFC chips on the digital currency SIM card may communicate through a peer-to-peer communication function, so as to obtain digital currency account information of the user from the digital currency module. Of course, the mobile terminal may also be connected to an NFC chip on the digital currency SIM card or obtain digital currency information from the digital currency security chip through its own NFC chip.
According to the method, the digital currency information is stored in the digital currency security chip, and the mobile terminal needs to indirectly acquire the digital currency information from the digital currency security chip through the NFC chip, so that the security of the digital currency information is higher, and the digital currency information is prevented from being stolen by others.
Next, the interaction process of the mobile terminal with the digital money SIM card will be described in detail taking the example of payment made by the user in the application program.
In the embodiment of the present description, after selecting the commodity, the user enters the payment interface. In the payment interface, the mobile terminal judges whether an NFC chip is arranged on the mobile terminal or not. If so, the user is presented with various payment means including digital currency hardware wallet payments. If not, the user is presented with other payment means than digital currency hardware wallet payment.
If the user selects digital currency hardware wallet payment, the mobile terminal judges whether to start the NFC function or not. If not, the mobile terminal guides the user to start the NFC function. If the NFC chip is started, the mobile terminal calls the NFC chip.
And if the mobile terminal calls the NFC chip successfully, acquiring digital currency information corresponding to the transaction amount from the digital currency security chip. And if the digital currency information is successfully acquired, executing the subsequent online service. If not, detecting the failure reason and displaying the failure reason.
S104: and sending the digital currency information to a server so that the server executes the online service according to the digital currency information.
In the embodiment of the present specification, the mobile terminal may transmit digital money information to the server, so that the server performs an online service according to the digital money information. The server referred to herein may refer to a server of a bank.
Further, the mobile terminal may receive an execution result returned by the server to execute the online service. If the online service is a payment service, the execution result may refer to information of successful payment or information of failure payment. If the online service is a recharging service, the execution result may refer to information of successful recharging and digital currency information corresponding to the transaction amount, or information of failed recharging.
Then, the mobile terminal can update the digital currency stored in the digital currency security chip according to the execution result.
Specifically, if the online service is a payment service and the execution result is that the transaction is successful, the mobile terminal can send the successful transaction information to the digital currency security chip through the NFC chip, and reduce the digital currency information corresponding to the transaction amount in the digital currency information stored in the digital currency security chip.
If the online service is the payment service and the execution result is transaction failure, the mobile terminal can send the information of the transaction failure to the digital currency security chip through the NFC chip, and the digital currency information corresponding to the transaction amount is not reduced in the digital currency information stored in the digital currency security chip.
If the online service is the recharging service and the execution result is that the recharging is successful, the mobile terminal can send the information of the successful recharging and the digital currency information corresponding to the transaction amount to the digital currency security chip through the NFC chip, and the digital currency information of the transaction amount is added to the digital currency security chip.
If the online service is the recharging service and the execution result is that the recharging fails, the mobile terminal can send the information of the recharging failure to the digital currency security chip through the NFC chip, and the digital currency information stored in the digital currency security chip is not updated.
It should be noted that the digital currency security chip may perform any splitting and fusion of the stored digital currency information. For example, the digital currency security chip may split the stored digital currency information representing one hundred into digital currency information representing eighty and digital currency information representing twenty. For another example, the digital money security chip may fuse the saved digital money information representing eighty and the digital money information representing twenty into digital money information representing one hundred.
In practice, one way of using digital currency is a software wallet, where the user opens a digital currency wallet, and transfers from the user's digital currency wallet to the merchant's digital currency wallet for online payment. However, the software wallet can only be used for online payment and cannot be used for offline payment.
In the embodiment of the specification, the mobile terminal can solve the problem of online payment of the hardware wallet through a digital currency SIM card comprising a digital currency security chip. The service request sent by the off-line device can be obtained, and the payment is deducted from the on-line account of the user, so that the problem of using the on-line account to finish off-line payment is solved, and the method is particularly shown in fig. 2.
Fig. 2 is a flow chart of another service processing method in the present specification, specifically including the following steps:
s200: and acquiring a service request sent by the off-line equipment through the short-distance communication unit, and determining the transaction amount required by executing the off-line service corresponding to the service request.
In the embodiment of the present disclosure, the mobile terminal may obtain, through the short-range communication unit, a service request sent by the offline device, and determine a transaction amount required for executing an offline service corresponding to the service request. The short-range communication unit mentioned herein may include: bluetooth, NFC chip, etc.
Specifically, if the short-range communication unit is bluetooth. The mobile terminal can communicate with Bluetooth arranged on the off-line equipment through Bluetooth of the mobile terminal, and a service request sent by the off-line equipment is obtained.
If the short-distance communication unit is an NFC chip, the mobile terminal can communicate with the NFC chip arranged on the offline device through the NFC chip of the mobile terminal, and a service request sent by the offline device is obtained.
Of course, if the digital currency SIM card includes bluetooth, the mobile terminal may communicate with bluetooth set on the offline device through bluetooth of the digital currency SIM card, to obtain a service request sent by the offline device.
If the digital currency SIM card comprises an NFC chip, the mobile terminal can communicate with the NFC chip arranged on the off-line device through the NFC chip of the digital currency SIM card, and a service request sent by the off-line device is obtained.
S202: and sending the deduction request carrying the transaction amount to a server, so that the server deducts money from an online account according to the transaction amount and returns a response message.
S204: and adding the digital currency of the transaction amount into the digital currency account in the digital currency security chip according to the response message.
In the embodiment of the present disclosure, the mobile terminal may send a deduction request carrying the transaction amount to the server, so that the server deducts money from the online account according to the transaction amount, and returns a response message. The response information mentioned here may include: digital currency information corresponding to the transaction amount.
In the embodiment of the present specification, the mobile terminal may add the digital currency of the transaction amount to the digital currency account in the digital currency security chip according to the response message.
In this embodiment of the present disclosure, the mobile terminal may also determine a transaction amount required for executing the offline service corresponding to the service request, and a balance in a digital currency account in the digital currency security chip, and determine a difference between the transaction amount required for the offline service and the balance in the digital currency account. And sending the deduction request carrying the difference value to the server, so that the server deducts money from an online account of the user according to the difference value, and returning a response message.
S206: and acquiring the digital currency information of the transaction amount from the digital currency security chip, and sending the digital currency information to the off-line equipment through the short-distance communication unit so as to execute the off-line service.
In the embodiment of the present specification, the mobile terminal may acquire digital money information of the transaction amount from the digital money security chip and transmit the digital money information to the off-line device through the short-range communication unit to perform the off-line service.
If the digital currency SIM card comprises Bluetooth, the mobile terminal can communicate with the Bluetooth of the digital currency SIM card through the Bluetooth of the mobile terminal, send a response message to the digital currency security chip and acquire the digital currency information of the transaction amount from the digital currency security chip.
If the digital currency SIM card comprises an NFC chip, the mobile terminal can communicate with the NFC chip of the digital currency SIM card through the NFC chip of the mobile terminal, send a response message to the digital currency security chip and acquire the digital currency information of the transaction amount from the digital currency security chip.
Further, if the short-range communication unit is bluetooth. The mobile terminal can communicate with Bluetooth arranged on the off-line equipment through Bluetooth of the mobile terminal and send digital currency information to the off-line equipment.
If the short-distance communication unit is an NFC chip, the mobile terminal can communicate with the NFC chip arranged on the offline device through the NFC chip of the mobile terminal and send digital currency information to the offline device.
Of course, the short-distance communication unit may be a chip of other communication methods, which will not be described in detail in this specification.
In practical applications, a conventional SIM card does not have a digital currency security chip and an NFC chip. Thus, the user needs to purchase a digital currency SIM card. Since only a part of the cities are digital money trial cities, the user cannot use the digital money SIM card in cities other than the digital money trial cities, and a part of the users may have illegal behaviors or risks of being fraudulent. Therefore, after the mobile terminal sends the service order to the service platform, the service platform determines the risk level corresponding to the user, and if the risk level of the user does not meet the set condition, the purchase request of the user is refused.
In the embodiment of the present disclosure, the mobile terminal may send the service order of the user to the service platform, and determine, through the service platform, the risk level corresponding to the user. The order information in the business order referred to herein includes: the location of the user and the preselected cell phone number. The preselected cell phone number referred to herein may be a cell phone number corresponding to a digital currency SIM card. The order information also includes preselected banks, such as commercial banks and national banks.
Specifically, the service platform obtains user information of the user, such as a historical consumption record of the user, basic information of the user and the like, through the user purchasing the mobile phone number of the digital currency SIM card. And determining the risk level corresponding to the user according to the user information of the user.
And then, in response to the risk level of the user meeting the set condition, sending the service order to the mobile operator terminal through the service platform so that the mobile operator terminal can manufacture the digital currency SIM card according to the service order.
In practice, some users may need to pre-charge digital currency in a digital currency security chip in a digital currency SIM card. Based on this, the order information may also contain pre-filled digital currency amounts to obtain digital currency SIM cards of different pre-filled digital currency amounts.
In the embodiment of the present specification, the mobile terminal may determine the amount of digital money pre-charged in the digital money SIM card in response to the risk level of the user satisfying the setting condition. The pre-charged digital money amount referred to herein may refer to digital money information stored in advance in a digital money security chip in a digital money SIM card.
And then, the mobile terminal can send the digital currency amount to the server through the service platform, so that the server can send digital currency information corresponding to the digital currency amount to the mobile operator terminal according to the digital currency amount, and the mobile operator terminal can manufacture the digital currency SIM card according to the digital currency information.
If the amount of the pre-charged digital money is 0, the digital money SIM card may be distributed to the user by mailing or the like according to the location in the service order, and if the amount of the pre-charged digital money is greater than 0, the user needs to take the digital money SIM card offline or transact the digital money SIM card online.
In practical application, after obtaining the digital currency SIM card, the user needs to verify own information to activate the digital currency SIM card so as to avoid the use of the digital currency SIM card by others.
In the embodiment of the present disclosure, the mobile terminal may obtain the serial number corresponding to the digital currency SIM card and the authentication information of the user.
Secondly, the mobile terminal can send the serial number and authentication information of the user to the mobile operator terminal corresponding to the digital currency SIM card so as to activate the digital currency SIM card through the mobile operator terminal.
Specifically, the user can enter the activation flow of the digital currency SIM card by scanning the two-dimensional code attached to the digital currency SIM card, and the activation of the digital currency SIM card is completed according to the activation flow.
Furthermore, after the user activates the digital currency SIM card, the user can open a real-name account requiring real-name verification or an anonymous account requiring a mobile phone number according to the own requirement.
In this description embodiment, an online account of digital currency includes: at least one of the first type account and the second type account.
If the online account is the first type account, the mobile phone number corresponding to the digital currency SIM card and the real name information of the user are sent to the server, so that the server opens the first type account according to the mobile phone number corresponding to the digital currency SIM card and the real name information of the user. It can be seen that the first type of account is a real name account.
The account number of the first account and real-name information of the user are sent to the merchant in the process of carrying out transaction with the merchant.
If the online account is the second type account, the mobile phone number corresponding to the digital currency SIM card is sent to the online banking terminal so as to open the second type account. It can be seen that the second type of account is an anonymous account.
And the second account only sends the account number of the second account to the merchant in the process of carrying out transaction with the merchant.
In the embodiment of the present disclosure, the user obtains the digital currency SIM card and uses the digital currency SIM card to perform a specific transaction, as shown in fig. 3.
Fig. 3 is a schematic flow chart of a SIM card using digital currency.
In fig. 3, the mobile terminal may send the service order of the user to the service platform, and determine, through the service platform, the risk level corresponding to the user. And responding to the risk level of the user meeting the set condition, and sending the service order to the mobile operator terminal through the service platform so that the mobile operator terminal can manufacture the digital currency SIM card according to the service order.
Second, in response to a service request to perform an online service, a transaction amount required to perform the online service is determined.
Then, the mobile terminal can acquire the digital currency information corresponding to the transaction amount from the digital currency security chip.
The mobile terminal may then transmit the digital money information to the server to cause the server to perform an online service according to the digital money information.
And finally, the mobile terminal can receive an execution result returned by the server for executing the online business, and update the digital currency stored in the digital currency security chip according to the execution result.
According to the method, the digital currency information corresponding to the transaction amount can be obtained from the digital currency security chip, and the digital currency information is sent to the server, so that the server can execute online business according to the digital currency information. The method can obtain the digital currency information corresponding to the transaction amount from the digital currency security chip for online payment.
The service processing method provided for one or more embodiments of the present disclosure further provides a corresponding service processing device based on the same concept, as shown in fig. 4.
Fig. 4 is a schematic diagram of a service processing device provided in the present specification, where the device is applied to a mobile terminal, and a digital currency SIM card is installed on the mobile terminal, and the digital currency SIM card includes a digital currency security chip, and digital currency of a digital currency account is stored in the digital currency security chip, and specifically includes:
And the response module 400 is used for responding to the service request for executing the online service and determining the transaction amount required by executing the online service.
And the obtaining module 402 is configured to obtain digital currency information corresponding to the transaction amount from the digital currency security chip.
And the execution module 404 is configured to send the digital currency information to a server, so that the server executes the online service according to the digital currency information.
Optionally, the execution module 404 is further specifically configured to receive an execution result returned by the server when executing the online service, and update the digital currency stored in the digital currency security chip according to the execution result.
Optionally, the digital currency SIM card further comprises a near field communication NFC chip.
The acquiring module 402 is specifically configured to send a call instruction to the NFC chip according to the service request for executing the online service, and send, through the called NFC chip, a data acquiring signal for acquiring the digital currency information to the digital currency security chip, so that the digital currency security chip returns the digital currency information to the NFC chip according to the data acquiring signal, and acquires the digital currency information from the NFC chip.
Optionally, the acquiring module 402 is specifically configured to send a call instruction to the NFC chip according to the service request for executing the on-line service, so that the NFC chip reads, according to the call instruction, program data stored in the NFC chip itself, and sends, according to the program data, a data acquiring signal for acquiring the digital currency information to the digital currency security chip, and acquire, from the NFC chip, the digital currency information obtained by the NFC chip after analyzing, according to the program data, an acquired response signal, where the response signal is returned by the digital currency security chip to the NFC chip after receiving the data acquiring signal.
Fig. 5 is a schematic diagram of another service processing apparatus provided in the present specification, where the apparatus is applied to a mobile terminal, and a digital currency SIM card is installed on the mobile terminal, and the digital currency SIM card includes a digital currency security chip, and digital currency of a digital currency account is stored in the digital currency security chip, and specifically includes:
the acquiring module 500 is configured to acquire, through the short-range communication unit, a service request sent by an offline device, and determine a transaction amount required for executing an offline service corresponding to the service request.
And the deduction module 502 is configured to send a deduction request carrying the transaction amount to the server, so that the server deducts money from the online account according to the transaction amount, and returns a response message.
An adding module 504, configured to add the digital currency of the transaction amount to a digital currency account in the digital currency security chip according to the response message.
And a sending module 506, configured to obtain the digital currency information of the transaction amount from the digital currency security chip, and send the digital currency information to the offline device through the short-range communication unit, so as to perform the offline service.
Optionally, the short-range communication unit includes: and the NFC chip is arranged in the digital currency SIM card.
The sending module 506 is specifically configured to obtain, through the NFC chip, digital currency information of the transaction amount from the digital currency security chip, and send the digital currency information to the offline device.
Optionally, the sending module 506 is specifically further configured to send a service order of a user to a service platform, determine, by using the service platform, a risk level corresponding to the user, and send, by using the service platform, the service order to a mobile operator terminal in response to the risk level of the user meeting a set condition, so that the mobile operator terminal makes the digital currency SIM card according to the service order.
Optionally, the sending module 506 is specifically further configured to determine, in response to the risk level of the user meeting a set condition, a digital currency amount pre-filled in the digital currency SIM card, and send, through the service platform, the digital currency amount to a server, so that the server sends, according to the digital currency amount, digital currency information corresponding to the digital currency amount to a mobile operator terminal, so that the mobile operator terminal makes the digital currency SIM card according to the digital currency information.
The present specification also provides a computer-readable storage medium storing a computer program operable to execute the service processing method provided in fig. 1 and the service processing method provided in fig. 2 as described above.
The present specification also provides a schematic structural diagram of the electronic device shown in fig. 6. At the hardware level, the electronic device includes a processor, an internal bus, a network interface, a memory, and a non-volatile storage, as illustrated in fig. 6, although other hardware required by other services may be included. The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to implement the service processing method described in fig. 1 and the service processing method provided in fig. 2. Of course, other implementations, such as logic devices or combinations of hardware and software, are not excluded from the present description, that is, the execution subject of the following processing flows is not limited to each logic unit, but may be hardware or logic devices.
In the 90 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.
The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each element may be implemented in one or more software and/or hardware elements when implemented in the present specification.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
It will be appreciated by those skilled in the art that embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, the present specification may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
The description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.
The foregoing is merely exemplary of the present disclosure and is not intended to limit the disclosure. Various modifications and alterations to this specification will become apparent to those skilled in the art. Any modifications, equivalent substitutions, improvements, or the like, which are within the spirit and principles of the present description, are intended to be included within the scope of the claims of the present description.

Claims (12)

1. The business processing method is characterized in that the method is applied to a mobile terminal, a digital currency SIM card is arranged on the mobile terminal, the digital currency SIM card comprises a digital currency security chip, digital currency of a digital currency account is stored in the digital currency security chip, and the business processing method comprises the following steps:
responding to a service request for executing the online service, and determining the transaction amount required by executing the online service;
Acquiring digital currency information corresponding to the transaction amount from the digital currency security chip;
and sending the digital currency information to a server so that the server executes the online service according to the digital currency information.
2. The traffic processing method according to claim 1, wherein the method further comprises:
receiving an execution result returned by the server for executing the online service;
and updating the digital currency stored in the digital currency security chip according to the execution result.
3. The service processing method according to claim 1, wherein the digital currency SIM card further includes a near field communication NFC chip;
the method for acquiring the digital currency information corresponding to the transaction amount from the digital currency security chip specifically comprises the following steps:
according to the service request of executing the online service, a calling instruction is sent to the NFC chip, and a data acquisition signal for acquiring the digital currency information is sent to the digital currency security chip through the called NFC chip, so that the digital currency security chip returns the digital currency information to the NFC chip according to the data acquisition signal;
And acquiring the digital currency information from the NFC chip.
4. The service processing method according to claim 3, wherein according to the service request for executing the on-line service, a call instruction is sent to the NFC chip, and a data acquisition signal for acquiring the digital currency information is sent to the digital currency security chip through the called NFC chip, specifically including:
according to the service request of executing the online service, a call instruction is sent to the NFC chip, so that the NFC chip reads program data stored in the NFC chip according to the call instruction, and a data acquisition signal for acquiring the digital currency information is sent to the digital currency security chip according to the program data;
the method for acquiring the digital currency information from the NFC chip specifically comprises the following steps:
acquiring the digital currency information obtained by the NFC chip after analyzing the acquired response signal according to the program data from the NFC chip, wherein the response signal is returned to the NFC chip after the digital currency security chip receives the data acquisition signal.
5. The business processing method is characterized in that the method is applied to a mobile terminal, a digital currency SIM card is arranged on the mobile terminal, the digital currency SIM card comprises a digital currency security chip, digital currency of a digital currency account is stored in the digital currency security chip, and the business processing method comprises the following steps:
Acquiring a service request sent by off-line equipment through a short-distance communication unit, and determining transaction amount required by executing off-line service corresponding to the service request;
sending a deduction request carrying the transaction amount to a server, so that the server deducts money from an online account according to the transaction amount and returns a response message;
adding the digital currency of the transaction amount to a digital currency account in the digital currency security chip according to the response message;
and acquiring the digital currency information of the transaction amount from the digital currency security chip, and sending the digital currency information to the off-line equipment through the short-distance communication unit so as to execute the off-line service.
6. The traffic processing method according to claim 5, wherein the short-range communication unit includes: a near field communication NFC chip, wherein the NFC chip is arranged in the digital currency SIM card;
the method for acquiring the digital currency information of the transaction amount from the digital currency security chip and sending the digital currency information to the offline device through the short-distance communication unit specifically comprises the following steps:
and acquiring the digital currency information of the transaction amount from the digital currency security chip through the NFC chip, and sending the digital currency information to the off-line equipment.
7. The traffic processing method according to claim 5, wherein the method further comprises:
the method comprises the steps of sending a service order of a user to a service platform, and determining a risk level corresponding to the user through the service platform;
and responding to the risk level of the user meeting a set condition, and sending the service order to a mobile operator terminal through the service platform so that the mobile operator terminal can manufacture the digital currency SIM card according to the service order.
8. The service processing method according to claim 7, wherein the service order is transmitted to a mobile operator terminal in response to the risk level of the user satisfying a set condition, specifically comprising:
determining a digital currency amount pre-charged in the digital currency SIM card in response to the risk level of the user meeting a set condition;
and sending the digital currency amount to a server through the service platform, so that the server sends digital currency information corresponding to the digital currency amount to a mobile operator terminal according to the digital currency amount, and the mobile operator terminal makes the digital currency SIM card according to the digital currency information.
9. The utility model provides a business processing device which characterized in that, the device is applied to mobile terminal, install digital currency SIM card on the mobile terminal, digital currency SIM card contains digital currency security chip, digital currency security chip keeps the digital currency of digital currency account, includes:
the response module is used for responding to a service request for executing the online service and determining the transaction amount required by executing the online service;
the acquisition module is used for acquiring digital currency information corresponding to the transaction amount from the digital currency security chip;
and the execution module is used for sending the digital currency information to a server so that the server executes the online service according to the digital currency information.
10. The utility model provides a business processing device which characterized in that, the device is applied to mobile terminal, install digital currency SIM card on the mobile terminal, digital currency SIM card contains digital currency security chip, digital currency security chip keeps the digital currency of digital currency account, includes:
the acquisition module is used for acquiring a service request sent by the off-line equipment through the short-distance communication unit and determining transaction amount required by executing the off-line service corresponding to the service request;
The deduction module is used for sending a deduction request carrying the transaction amount to the server so that the server deducts money from an online account according to the transaction amount and returns a response message;
the adding module is used for adding the digital currency of the transaction amount into the digital currency account in the digital currency security chip according to the response message;
and the sending module is used for acquiring the digital currency information of the transaction amount from the digital currency security chip and sending the digital currency information to the off-line equipment through the short-distance communication unit so as to execute the off-line service.
11. A computer readable storage medium, characterized in that the storage medium stores a computer program which, when executed by a processor, implements the service processing method according to any of the preceding claims 1-8.
12. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the service processing method according to any of the preceding claims 1-8 when executing the program.
CN202310273521.3A 2022-08-05 2023-03-20 Service processing method, device, computer readable storage medium and electronic equipment Pending CN116342113A (en)

Applications Claiming Priority (2)

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CN2022109387071 2022-08-05
CN202210938707 2022-08-05

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