CN116402498A

CN116402498A - Digital currency conversion method, device and system

Info

Publication number: CN116402498A
Application number: CN202111629196.7A
Authority: CN
Inventors: 朱冬冬; 林贺
Original assignee: Shenzhen Financial Technology Research Institute Financial Technology Research Institute Of People's Bank Of China; Digital Currency Institute of the Peoples Bank of China
Current assignee: Shenzhen Financial Technology Research Institute Financial Technology Research Institute Of People's Bank Of China; Digital Currency Institute of the Peoples Bank of China
Priority date: 2021-12-28
Filing date: 2021-12-28
Publication date: 2023-07-07

Abstract

The invention discloses a method, a device and a system for digital currency conversion, and relates to the technical field of computers. One embodiment of the method comprises the following steps: determining a redemption amount, a wallet identification of a digital currency wallet for redemption and a card identification of a bank card for redemption in response to a redemption operation by a user; generating a redemption request according to the wallet identification, the redemption amount and the card identification; the redemption request is sent to the wallet operating mechanism system corresponding to the wallet identification, such that the wallet operating mechanism system communicates with the card operating mechanism system to which the bank card belongs in response to the redemption request, thereby exchanging digital currency in the digital currency wallet for non-digital currency and storing in the bank card, or exchanging non-digital currency in the bank card for digital currency and storing in the digital currency wallet. The embodiment reduces the complexity of digital currency conversion, improves the high efficiency and convenience of digital currency conversion, and improves the security of private data.

Description

Digital currency conversion method, device and system

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a method, an apparatus, and a system for digital currency conversion.

Background

The central bank is in a central position in a digital currency operation system and is responsible for issuing digital currency (or called digital currency) to commercial banks serving as designated operation institutions and performing digital currency 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 App, after the user opens the wallet of the operating mechanism, the wallet-related services provided by the operating mechanism can be used: payment, code scanning payment, bump payment, etc. When using the digital money service, the user can exchange the money stored in the operation mechanism into digital money; when the digital currency is not needed, the user can exchange the digital RMB back into the bank card account. How to safely and conveniently realize the mutual exchange service of digital currency App and bank card funds is very important.

Disclosure of Invention

In view of this, the embodiments of the present invention provide a method, an apparatus, and a system for digital currency conversion, which can initiate a conversion request through a digital currency App, implement recharging of a digital currency wallet and convert digital currency in the digital currency wallet back into non-digital currency, reduce complexity of digital currency conversion, improve efficiency and convenience of digital currency conversion, and improve security of private data.

To achieve the above object, according to one aspect of the embodiments of the present invention, there is provided a method for digital currency conversion, including:

determining a redemption amount, a wallet identification of a digital currency wallet for redemption and a card identification of a bank card for redemption in response to a redemption operation by a user;

generating a redemption request according to the wallet identification, the redemption amount and the card identification;

and sending the exchange request to a wallet operation mechanism system corresponding to the wallet identification, so that the wallet operation mechanism system responds to the exchange request and communicates with a card operation mechanism system to which the bank card belongs, thereby exchanging digital currency in the digital currency wallet for non-digital currency and depositing the non-digital currency in the bank card or exchanging the non-digital currency in the bank card for digital currency and depositing the digital currency wallet.

Optionally, before generating the redemption request according to the wallet identifier, the redemption amount and the card identifier, the method further includes: sending an information inquiry request to the wallet operating mechanism system to acquire a conversion rate for digital currency conversion by using the bank card;

wherein the wallet operating mechanism system communicates with the card operating mechanism system in response to the information inquiry request, and obtains a conversion rate for digital currency conversion using the bank card from the card operating mechanism system; the exchange request carries the exchange rate.

Optionally, the wallet operating mechanism system communicates with the card operating mechanism system in response to the information inquiry request, obtains from the card operating mechanism system a redemption rate for digital currency conversion using the bank card, including:

the wallet operating mechanism system inquires the bank card information of the bank card from the local storage equipment according to the card identifier, sends a rate inquiry request to the card operating mechanism system according to the bank card information, and receives a conversion rate returned by the card operating mechanism system for digital currency conversion by using the bank card; or,

and the wallet operating mechanism system sends a rate inquiry request to the card operating mechanism system according to the card identifier, and receives the exchange rate returned by the card operating mechanism system for digital currency exchange by using the bank card after the card operating mechanism system inquires the bank card information of the bank card from the local storage equipment and determines the exchange cost according to the bank card information.

Optionally, the wallet operating mechanism system is in response to the redemption request to communicate with a card operating mechanism system to which the bank card belongs, including:

The wallet operating mechanism system responds to the exchange request to send a digital currency exchange service request to the card operating mechanism system, and receives a digital currency exchange service response returned by the card operating mechanism system after the card operating mechanism system responds to the digital currency exchange service request to execute exchange service operation; or,

the wallet operating mechanism system responds to the exchange request to send a digital currency exchange service request to the card operating mechanism system, and receives a digital currency exchange service response returned by the card operating mechanism system after the card operating mechanism system responds to the digital currency exchange service request to execute the exchange service operation.

Optionally, the wallet operating mechanism system queries the bank card information of the bank card from the local storage device according to the card identifier, and sends a service request to the card operating mechanism system according to the bank card information; or,

the wallet operation mechanism system sends a service request to the card operation mechanism system according to the card identifier, and receives a service response returned by the card operation mechanism system after the card operation mechanism system inquires the bank card information of the bank card from the local storage device and executes the service exchanging operation or the service exchanging operation according to the bank card information.

Optionally, in response to the user's redemption operation, determining a redemption amount, as well as a wallet identification for the digital currency wallet and a card identification for the bank card for redemption, includes:

receiving the exchange amount input by a user;

displaying a digital currency wallet list to a user, wherein the digital currency wallet selected by the user from the displayed digital currency wallets is used as a digital currency wallet for exchange;

and displaying a bank card list to the user, and taking the bank card selected by the user from the displayed bank cards as the bank card for exchanging.

Optionally, determining the redemption amount, as well as the wallet identification of the digital currency wallet for redemption and the card identification of the bank card for redemption, includes:

receiving the exchange amount input by a user; displaying a digital currency wallet list to a user, wherein the digital currency wallet selected by the user from the displayed digital currency wallets is used as the digital currency wallet for exchange; displaying a bank card list bound by the digital currency wallet for exchange to a user, wherein the bank card selected by the user from all the displayed bank cards is used as the bank card for exchange; or the other one of the above-mentioned materials,

receiving the exchange amount input by a user; displaying a bank card list to a user, wherein the bank card selected by the user from each displayed bank card is used as a bank card for exchanging; the digital currency wallet list bound by the bank card used for exchanging is displayed to the user, and the digital currency wallet selected by the user from the displayed digital currency wallets is used as the digital currency wallet used for exchanging.

Optionally, before presenting the bank card list to the user, the method further comprises: masking the card number of each bank card to be displayed; after a user selects a bank card from the displayed bank cards as a bank card for exchange, the card identification of the bank card for exchange is determined according to the mapping relation between the bank card number and the card identification after mask processing.

Optionally, in response to the user's redemption operation, determining a redemption amount, as well as a wallet identification for the digital currency wallet and a card identification for the bank card, further comprising:

and responding to the wallet information inquiry operation of the user for the digital currency wallet, sending a wallet information inquiry request to the wallet operating mechanism, and receiving a wallet information inquiry response returned by the wallet operating mechanism system.

Optionally, storing, in a local storage device of the wallet operating mechanism system, bank card information of the bank card, wherein the card identifier is generated by the wallet operating mechanism system according to the bank card information; or, the local storage device of the wallet operating mechanism system does not store the bank card information of the bank card, and the card identifier is generated by the card operating mechanism system according to the bank card information.

Optionally, after sending the redemption request to the wallet operating mechanism system corresponding to the wallet identification, further comprising: and under the condition of successful redemption, receiving and displaying a notification message of successful redemption sent by the wallet operating mechanism system by calling a wallet background system.

Optionally, the wallet operating mechanism system is communicated with the card operating mechanism system or the wallet background system through an interconnection platform.

According to a second aspect of an embodiment of the present invention, there is provided an apparatus for digital currency conversion, comprising:

a determining module for determining the converted amount, the wallet identification of the digital currency wallet and the card identification of the bank card in response to the conversion operation of the user;

the generation module generates a redemption request according to the wallet identification, the redemption amount and the card identification;

and the exchange module is used for sending the exchange request to a wallet operating mechanism system corresponding to the wallet identification so that the wallet operating mechanism system responds to the exchange request and communicates with a card operating mechanism system to which the bank card belongs, so that the digital currency in the digital currency wallet is exchanged for the non-digital currency and deposited into the bank card, or the non-digital currency in the bank card is exchanged for the digital currency and deposited into the digital currency wallet.

Optionally, the generating module is further configured to: before generating a conversion request according to the wallet identification, the conversion amount and the card identification, sending an information inquiry request to the wallet operating mechanism system so as to acquire a conversion fee rate of digital currency conversion by using the bank card;

Optionally, the determining module determines, in response to a redemption operation of the user, a redemption amount, and a wallet identification for redeeming the digital currency wallet and a card identification for redeeming the bank card, including:

receiving the exchange amount input by a user;

Optionally, the determining module is further configured to: before a bank card list is displayed to a user, carrying out mask processing on the card number of each bank card to be displayed; after a user selects a bank card from the displayed bank cards as a bank card for exchange, the card identification of the bank card for exchange is determined according to the mapping relation between the bank card number and the card identification after mask processing.

Optionally, the determining module determines, in response to a redemption operation of the user, a redemption amount, and a wallet identifier for redeeming the digital currency wallet and a card identifier for redeeming the bank card, and further includes: and responding to the wallet information inquiry operation of the user for the digital currency wallet, sending a wallet information inquiry request to the wallet operating mechanism, and receiving a wallet information inquiry response returned by the wallet operating mechanism system.

Optionally, the redemption module is further configured to: and after the exchange request is sent to the wallet operation mechanism system corresponding to the wallet identification, receiving and displaying a notification message of successful exchange sent by the wallet operation mechanism system by calling a wallet background system under the condition of successful exchange.

According to a third aspect of embodiments of the present invention, there is provided a system for digital currency conversion, comprising: a digital currency application, a wallet operating mechanism system, and a card operating mechanism system;

the digital currency application program responds to the exchange operation of the user, and determines the exchange amount, the wallet identification of the digital currency wallet used for exchange and the card identification of the bank card used for exchange; generating a redemption request according to the wallet identification, the redemption amount and the card identification; transmitting the redemption request to a wallet operating mechanism system corresponding to the wallet identification;

the wallet operating mechanism system responds to the exchange request and communicates with the card operating mechanism system to which the bank card belongs, so that the digital currency in the digital currency wallet is exchanged into non-digital currency and deposited into the bank card, or the non-digital currency in the bank card is exchanged into digital currency and deposited into the digital currency wallet.

Optionally, the digital currency application is further configured to: before generating a conversion request according to the wallet identification, the conversion amount and the card identification, sending an information inquiry request to the wallet operation mechanism system so as to acquire a conversion rate for digital currency conversion by using the bank card;

The wallet operating mechanism system responds to the information inquiry request and communicates with the card operating mechanism system, and the wallet operating mechanism system acquires the exchange rate for exchanging digital money by using the bank card; the exchange request carries the exchange rate.

Optionally, the digital currency application program determines the redemption amount and the wallet identification of the digital currency wallet used for redemption and the card identification of the bank card used for redemption in response to a redemption operation by a user, including:

receiving the exchange amount input by a user;

Optionally, before the digital currency application program presents the bank card list to the user, masking the card number of each bank card to be presented; after a user selects a bank card from the displayed bank cards as a bank card for exchange, the card identification of the bank card for exchange is determined according to the mapping relation between the bank card number and the card identification after mask processing.

Optionally, the digital currency application program determines the redemption amount, and the wallet identification of the digital currency wallet used for redemption and the card identification of the bank card used for redemption in response to a redemption operation by a user, and further includes: and responding to the wallet information inquiry operation of the user for the digital currency wallet, sending a wallet information inquiry request to the wallet operating mechanism, and receiving a wallet information inquiry response returned by the wallet operating mechanism system.

Optionally, after the digital currency application program sends the exchange request to the wallet operating mechanism system corresponding to the wallet identification, in case of successful exchange, the digital currency application program receives and displays a notification message of successful exchange sent by the wallet operating mechanism system by calling a wallet background system.

According to a fourth aspect of embodiments of the present invention, there is provided a recharging electronic device for a digital money wallet, comprising:

one or more processors;

storage means for storing one or more programs,

The one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method provided by the first aspect of the embodiments of the present invention.

According to a fifth aspect of embodiments of the present invention there is provided a computer readable medium having stored thereon a computer program which when executed by a processor implements the method provided by the first aspect of embodiments of the present invention.

According to the embodiment of the invention, the digital currency App can initiate the exchange request, so that the recharging of the digital currency wallet and the exchange of the digital currency in the digital currency wallet into the non-digital currency can be realized, the complexity of the digital currency exchange is reduced, the high efficiency and convenience of the digital currency exchange are improved, and the security of private data is also improved.

Further effects of the above-described non-conventional alternatives are described below in connection with the specific 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 main flow of a method of digital currency conversion according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of the main flow of recharging a digital money wallet using a bank card in an alternative embodiment of the invention;

FIG. 3 is a schematic diagram of the main flow of exchanging digital currency in a digital currency wallet back to a bank card in an alternative embodiment of the invention;

FIG. 4 is a schematic diagram of the major modules of the digital currency conversion machine of an embodiment of the present invention;

FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

fig. 6 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.

With the rapid development of network technology and digital economy, the demands of the public on payment convenience, security, general Hui Xing, privacy and the like are increasingly increased. Digital money has been developed. The digital currency can be digital RMB, digital Euro, digital Japanese, digital harbor currency, etc. In the invention, digital currency is managed in a centralized management and double-layer operation mode. Where dual-tier operation refers to issuing of legal digital currency by a central bank to a designated operating institution (such as a commercial bank or the like) responsible for providing digital currency conversion and circulation services to the public. Digital money wallets refer to carriers of digital money and media touching users, and any operating mechanism designated by a central bank (namely a wallet operating mechanism which is responsible for the operation and management of digital money wallets and the like) can be selected and opened through a digital money Application program (namely Application, app for short). In actual use, after a digital money wallet (simply referred to as a wallet) of any operating mechanism is opened in a digital money application, wallet services provided by the operating mechanism, such as payment, code-scanning payment, transfer, etc., may be used. In practical use, the method also relates to digital currency conversion, namely converting non-digital currency in a bank card into digital currency and incorporating the digital currency into a digital money wallet, or converting the digital currency in the digital money wallet into the non-digital currency and storing the non-digital currency into the bank card.

According to one aspect of an embodiment of the present invention, a method of digital currency conversion is provided.

Fig. 1 is a schematic diagram of the main flow of a method of digital currency conversion according to an embodiment of the present invention. As shown in fig. 1, the digital currency conversion method according to the embodiment of the present invention includes steps S101 to S103.

Step S101, in response to the exchange operation of the user, determining an exchange amount, and a wallet identification of the digital currency wallet used for exchange and a card identification of the bank card used for exchange.

The amount of conversion in this step may be the amount of digital or non-digital currency used in the user's conversion process. For example, when the digital currency in the digital currency wallet is exchanged for the rmb to be deposited into the bank card, the exchanged amount may be the amount of the digital currency to be exchanged by the user, or may be the amount of the rmb to be obtained by the user; when the RMB in the bank card is converted into digital currency, the conversion amount may be the amount of the RMB that the user intends to use for conversion, or the amount of the digital currency that the user intends to obtain. Typically, the user may enter the redemption amount in the digital currency App.

Wallet identification refers to the unique identification of a wallet for uniquely representing a digital currency wallet. The wallet identifier may be the name of the digital money wallet, or other identifiers, such as an identifier generated from user real name information and an organization code of a wallet operating organization to which the digital money wallet belongs.

The bank cards to which the present invention relates refer to overdraft and non-overdraft payment instruments issued by commercial banks to society, including but not limited to debit cards, credit cards, and the like. In order to ensure the security of the bank card number (or called card number) in the transmission process and avoid leakage, in one embodiment, the card number of the bank card is selected to be mapped to generate a corresponding card identifier. The card identification is unique, and the card identification is transmitted in the actual transmission process instead of the bank card number. The card identification may be obtained by processing the bank card number using, for example, an encryption algorithm or other functional method. In one embodiment, the corresponding card number of the silver card may be recovered from the mapping code by decryption or function inverse operation, etc. When the bank card information of the bank card is stored in the local storage device of the wallet operating mechanism system, the card identifier can be generated by the wallet operating mechanism system according to the bank card information; when the bank card information of the bank card is not stored in the local storage device of the wallet operating mechanism system, the card identification may be generated by the card operating mechanism system according to the bank card information. An exemplary option for one embodiment of the present invention is for the card operator system to generate its corresponding card identification from the bank card number. The card operation mechanism system can generate a card identifier corresponding to the card number of the bank card according to the received request before, during or after the conversion of the digital currency, or in a non-conversion stage. Further, the card identifier has a validity period, and the validity period can be flexibly adjusted according to the requirement, such as 30 seconds, 60 seconds, 3 minutes, 5 minutes and the like, so as to improve the security. By adopting the card identification, the minimum and necessary use principle of the user privacy data is effectively complied with.

In the practical application process, in order to improve account security, the card number of the bank card can be subjected to mask processing to obtain the bank card information subjected to mask processing, the mapping relation between the card identification and the bank card information subjected to mask processing is stored, and when a user selects a certain bank card to carry out digital currency conversion, the card identification of the bank card used by the user for carrying out digital currency conversion is determined according to the mapping relation.

In an alternative embodiment, in response to a redemption operation by a user, determining a redemption amount, as well as a wallet identification for a digital currency wallet for redemption and a card identification for a bank card for redemption, includes: receiving the exchange amount input by a user; displaying a digital currency wallet list to a user, wherein the digital currency wallet selected by the user from the displayed digital currency wallets is used as the digital currency wallet for exchange; and displaying the bank card list to the user, and taking the bank card selected by the user from the displayed bank cards as the bank card for exchanging.

The bank card and digital money wallet used for the conversion may be specified by the user, respectively, for example, the bank card and digital money wallet used for the conversion is directly input in the digital money App page. The bank card and digital money purse used for the redemption can also be determined according to the binding relationship. Illustratively, determining the redemption amount, as well as the wallet identification of the digital currency wallet for redemption and the card identification of the bank card for redemption, includes: receiving the exchange amount input by the user, displaying a digital currency wallet list to the user, using the digital currency wallet selected by the user from the displayed digital currency wallets as the digital currency wallet for exchange, displaying a bank card list bound by the digital currency wallet for exchange to the user, and using the bank card selected by the user from the displayed bank cards as the bank card for exchange; or, receiving the exchange amount input by the user, displaying a bank card list to the user, using the bank card selected by the user from the displayed bank cards as the exchange bank card, displaying a digital currency wallet list bound by the exchange bank card to the user, and using the digital currency wallet selected by the user from the displayed digital currency wallets as the exchange digital currency wallet. And the bank card and the digital currency wallet used for exchanging are determined according to the binding relation between the digital currency wallet and the bank card, so that the method is convenient and efficient.

Before the bank card list is displayed to the user, the card number of each bank card to be displayed can be subjected to mask processing; after a user selects a bank card from the displayed bank cards as a bank card for exchange, the card identification of the bank card for exchange is determined according to the mapping relation between the bank card number and the card identification after mask processing.

In response to the user's redemption operation, the step of determining a redemption amount, as well as redeeming the wallet identification of the digital-currency wallet used and redeeming the card identification of the bank card used, may further comprise: responding to wallet information inquiry operation of a user for the digital currency wallets, sending wallet information inquiry requests to the wallet operation mechanism, and receiving wallet information inquiry responses returned by the wallet operation mechanism system, so that the user can know account information of each digital currency wallet bound in the digital currency App conveniently; or, in response to the inquiry operation of the user for the binding bank cards of the digital currency wallets, sending a request for inquiring the binding bank cards to the wallet operating mechanism, and receiving the inquiry response of the binding bank cards returned by the wallet operating mechanism system, so that the user can know the bank cards bound by the digital currency wallets conveniently.

In the embodiment of the invention, the card identifiers have uniqueness, and one card identifier corresponds to one bank card. In the process of generating the card identifier corresponding to the bank card, if only the card number of the bank card is mapped, each bank card only corresponds to one card identifier. However, in the process of generating the card identifier corresponding to the bank card, if the mapping process is performed on the information related to the bank card (the card number of the bank card, the card number mask, the card organization number, etc.) and other parameter information (for example, digital money Bao Xiangguan information, mapping time information), each bank card may correspond to a plurality of card identifiers. For example, when the card number of the bank card is mapped to generate the card identifier, the bank card number and the time for generating the card identifier are mapped, so that the card identifiers corresponding to the same bank card in different time periods are different; when the card number of the bank card is mapped to generate a card identifier, the bank card number and the related information (such as wallet name, operation mechanism to which the wallet belongs, and the like) of the digital currency wallet bound with the bank card are mapped, so that the card identifier corresponding to the same bank card when the same bank card is bound with different digital currency wallets is different.

When the card number of the bank card is mapped to generate the card identification, if the related information of the digital currency wallet (such as the name of the wallet, the wallet operating mechanism of the wallet, etc.) is not considered, the card identification and the digital currency wallet can be in a one-to-many relationship, and one card identification can be bound with a plurality of digital currency wallets and can be converted with the digital currency wallets bound with the card identification.

When the card number of the bank card is mapped to generate the card identifier, if the related information (such as the name of the wallet, the wallet operation mechanism to which the wallet belongs, etc.) of the digital money wallet is considered, the card identifier and the digital money wallet are in one-to-one correspondence, one card identifier corresponds to one digital money wallet only, one card identifier can be only bound with one digital money wallet, and only digital money exchange can be carried out between the card identifier and the digital money wallet bound with the card identifier, and digital money exchange can not be carried out between the card identifier and other digital money wallets.

And step S102, generating a redemption request according to the wallet identification, the redemption amount and the card identification. The exchange request may be a digital money exchange request, i.e. a digital money purse is recharged using a bank card, and the digital money purse is stored after the non-digital money in the bank card is exchanged for digital money. The exchange request may also be a digital currency exchange request, namely, the digital currency in the digital currency wallet is exchanged into non-digital currency and then stored in the bank card.

The bank cards to which the present invention relates refer to overdraft and non-overdraft payment instruments issued by commercial banks to society, including but not limited to debit cards, credit cards, and the like. When an operation organization or a bank card of a certain type (such as a credit card or an overseas card) needs to charge service in the process of providing digital currency conversion service, before generating a conversion request according to the wallet identification, the conversion gold amount and the card identification, an information inquiry request can be sent to a wallet operation organization system so as to acquire a conversion rate for digital currency conversion by using the bank card; wherein the wallet operating mechanism system communicates with the card operating mechanism system in response to the information inquiry request, and obtains a conversion rate for digital currency conversion using a bank card from the card operating mechanism system. And when the wallet operation mechanism system generates a redemption request according to the wallet identification, the redemption amount and the card identification, the redemption request carries the redemption rate.

In the practical application process, if the card operation mechanism shares the bank card information to the wallet operation mechanism, the wallet operation mechanism can automatically determine the bank card information of the used bank card for exchanging when inquiring the exchange rate, and then inquire the exchange rate based on the determined bank card information. In particular, the wallet operating mechanism system communicates with the card operating mechanism system in response to the information inquiry request, obtains from the card operating mechanism system a redemption rate for digital currency conversion using the bank card, comprising: and the wallet operating mechanism system inquires the bank card information of the bank card from the local storage equipment according to the card identification, sends a rate inquiry request to the card operating mechanism system according to the bank card information, and receives the exchange rate for carrying out digital currency exchange by using the bank card returned by the card operating mechanism system.

In the actual application process, if the card operation mechanism does not share the bank card information to the wallet operation mechanism, the wallet operation mechanism inquires based on the card identification when inquiring the exchange rate. Specifically, the wallet operating mechanism system sends a rate inquiry request to the card operating mechanism system according to the card identification, and after the card operating mechanism system inquires the bank card information of the bank card from the local storage device of the wallet operating mechanism system and determines the exchange cost according to the bank card information, the wallet operating mechanism system receives the exchange rate returned by the card operating mechanism system for digital currency exchange by using the bank card.

And step S103, the exchange request is sent to a wallet operating mechanism system corresponding to the wallet identification, so that the wallet operating mechanism system responds to the exchange request and communicates with a card operating mechanism system to which the bank card belongs, and the digital currency in the digital currency wallet is exchanged for non-digital currency and deposited into the bank card, or the non-digital currency in the bank card is exchanged for digital currency and deposited into the digital currency wallet.

The wallet operating mechanism system responds to the exchange request to send a digital money exchange service request to the card operating mechanism system, receives a digital money exchange service response returned after the card operating mechanism system responds to the digital money exchange service request to execute the exchange service operation, and accordingly charges the digital money wallet by using the bank card, exchanges the non-digital money in the bank card into the digital money and stores the digital money into the digital money wallet; or,

the wallet operating mechanism system responds to the exchange request to send a digital money exchange service request to the card operating mechanism system, receives a digital money exchange service response returned after the card operating mechanism system responds to the digital money exchange service request to execute the exchange service operation, and therefore the digital money in the digital money wallet is exchanged, namely, the digital money in the digital money wallet is exchanged into non-digital money and then stored in the bank card.

The wallet operating mechanism system can inquire the bank card information of the bank card from the local storage device according to the card identification, and send a service request to the card operating mechanism system according to the bank card information. The wallet operating mechanism system can also send a service request to the card operating mechanism system according to the card identifier, and after the card operating mechanism system inquires the bank card information of the bank card from the local storage device of the wallet operating mechanism system and executes the operation of exchanging the service or the operation of exchanging the service according to the bank card information, the wallet operating mechanism system receives the service response returned by the card operating mechanism system.

After sending the redemption request to the wallet operating mechanism system corresponding to the wallet identification, the method may further include: and under the condition of successful redemption, receiving and displaying a notification message of successful redemption sent by the wallet operating mechanism system by calling the wallet background system. And the user can know the exchange result conveniently by calling the wallet background to send the notification message.

Further, an interconnection platform can be built, information requests between the wallet background and each wallet operation mechanism, between each card operation mechanism and the wallet background and information requests between each operation mechanism are realized through the interconnection platform, so that the safety of information transmission and reliable link of background data service are ensured. When the digital currency wallet selected by the user and the bank card used for digital currency exchange are managed by the same operation mechanism, communication between the card operation mechanism and the wallet operation mechanism is realized without an interconnection platform.

The method of the embodiment of the invention can be realized by digital currency App. The user selects to recharge or redeem the bank card to be used through the bank card mask list. If the user selects the recharged or returned bank card as the credit card type, the digital currency App makes a dynamic information request of the bank card to the wallet operating mechanism, and information details such as the rate for recharging by using the credit card are obtained. According to the bank card information selected by the user, the digital currency App sends a wallet recharging (charging) request to the background of the wallet operating mechanism, and the wallet operating mechanism sends the wallet recharging (charging) request to the card operating mechanism through the interconnection platform to complete the digital currency exchange service. Finally, the wallet operating mechanism invokes the pushing service provided by the wallet background, and pushes the message of successful wallet recharging (redemption) to the digital currency App, so as to inform the user in time, and the specific flow is shown in fig. 2 and 3.

FIG. 2 is a schematic diagram of a main flow of recharging a digital money wallet using a bank card in an alternative embodiment of the invention, and as shown in FIG. 2, the flow of recharging the digital money wallet using the bank card mainly includes:

1. the user sends a wallet information inquiry request to the wallet operating mechanism system through the digital currency App.

2. The digital currency App receives the wallet information inquiry response returned by the wallet operating mechanism system, so that the user can know the wallet information of the digital currency wallet.

3. When the user selects the wallet opened at the operating mechanism, the wallet (banking) function is used. After inputting the amount to be charged (refund), the digital money App requests the wallet-bound bank card list information from the wallet operating mechanism system.

4. The wallet operating mechanism system returns a bank card information inquiry response to the digital currency App. The wallet operating mechanism returns the masked bank card number to the user for display because the bank card number belongs to personal sensitive information; and meanwhile, a card identifier for identifying the bank card is returned and is used for inquiring detailed information of the bank card. The types of the bank cards (including the types of the internal deposit card, the internal credit card, the external credit card and the like at present) are identified through separate fields, so that the types of the bank cards supported later are conveniently expanded.

5. The user selects the bank card to be used for redemption.

6. When the user selects a bank card, the user first inquires about the exchange rate when recharging the digital money wallet with the credit card. Specifically, the digital RMB App sends a query request of the dynamic information of the bank card to the wallet operating mechanism system through the card identifier.

And 7-12, the wallet operating mechanism system uses the stored bank card information to request the dynamic information of the credit card from the background of the card operating mechanism through the interconnection and intercommunication platform, inquires the rate of using the credit card to recharge the digital RMB, and finally displays the recharging cost related information on the digital currency App (the step of recharging the wallet back to the bank card is not involved).

And 13-18, according to the information such as the exchange amount set by the user, the selected bank card and the like, the digital currency App sends a request of using the bank card rechargeable wallet of the digital currency App to the wallet operating mechanism system. The wallet operating mechanism system obtains the detailed information of the bank card (such as the card type (in the environment, deposit credit card), the card number, the rate, the SIM information and the like) through the bank card protocol number, and sends a request for recharging the wallet by using the bank card to the card operating mechanism system, so that the wallet service is completed by recharging the wallet by using the bank card.

19-23, the wallet operating mechanism system invokes notification service of a wallet background through the interconnection platform, the wallet background sends a redemption notification to the digital currency App, timely informs a user of a message that the recharging service is completed, and the wallet background also returns a redemption push response message to the wallet operating mechanism.

Fig. 3 is a schematic diagram of the main flow of exchanging digital currency in a digital currency wallet back to a bank card in an alternative embodiment of the invention. As shown in fig. 3, the method mainly comprises the following steps:

4. The wallet operating mechanism system returns a bank card information inquiry response to the digital currency App. The wallet operating mechanism returns the masked bank card number to the user for display because the bank card number belongs to personal sensitive information; and meanwhile, a card identifier for identifying the bank card is returned and is used for inquiring detailed information of the bank card. The types of the bank cards (including the types of the internal deposit card, the internal credit card, the external credit card and the like at present) are identified through separate fields, so that the types of the bank cards supported later are conveniently expanded. The user selects the bank card used for redemption and if the redemption transaction does not involve a fee, steps 7-12 of figure 2 for obtaining the redemption rate may not be performed.

And 5-10, sending a request for returning the wallet of the digital currency App to the bank card to the wallet operating mechanism system according to the information such as the exchange amount set by the user and the selected bank card. The wallet operating mechanism system obtains the detailed information of the bank card (such as card type (overseas and in deposit credit card), card number, rate, SIM information and the like) through the bank card protocol number, and sends a request for the wallet to be returned to the bank card to the card operating mechanism system, so that the wallet is completed to be returned to the bank card service.

11-15, the wallet operating mechanism system invokes notification service of a wallet background through the interconnection platform, the wallet background sends a redemption notification to the digital currency App to timely inform a user of a message of completion of a redemption service, and the wallet background also returns a redemption push response message to the wallet operating mechanism.

The embodiment of the invention provides a method for recharging a digital money wallet by using a bank card and returning the wallet to a bank card business under a double-layer operation system. Through constructing the interconnection platform between the digital currency App and the operating mechanism, the reliable link of the background data service can be ensured, and then the convenient operation of recharging the wallet (returning to the bank card) by using the bank card is realized through the data communication between the digital currency App and the wallet operating mechanism. When the digital currency App uses the bank card rechargeable wallet (the bank card is charged back), the background of the wallet operating mechanism returns the silver card number after the mask, and the data interaction with the digital currency App is realized through the card identification, so that timeliness and effectiveness of business processing are realized while the user privacy data is effectively prevented from being leaked. The digital money App uses the bank card to carry out wallet recharging (back to the bank card), the existing bank card account system of the wallet operating mechanism is effectively utilized, and the use scene of the digital money App can be effectively expanded by continuously adding the type of the bank card supported during wallet recharging, so that the expansibility is good.

According to a second aspect of an embodiment of the present invention, there is provided an apparatus for implementing the above method.

Fig. 4 is a schematic diagram of the main modules of the digital currency conversion machine of the embodiment of the present invention. As shown in fig. 4, the digital currency conversion apparatus 400 includes:

a determining module 401 for determining, in response to a redemption operation by a user, a redemption amount, and a wallet identification for redeeming the digital currency wallet and a card identification for redeeming the bank card;

a generation module 402, configured to generate a redemption request based on the wallet identifier, the redemption amount, and the card identifier;

the exchange module 403 sends the exchange request to a wallet operating mechanism system corresponding to the wallet identifier, so that the wallet operating mechanism system communicates with a card operating mechanism system to which the bank card belongs in response to the exchange request, and exchanges digital currency in the digital currency wallet for non-digital currency and deposits into the bank card, or exchanges non-digital currency in the bank card for digital currency and deposits into the digital currency wallet.

receiving the exchange amount input by a user;

one or more processors;

storage means for storing one or more programs,

Fig. 6 illustrates an exemplary system architecture 600 of a digital currency conversion method or digital currency conversion device to which embodiments of the present invention may be applied.

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

terminal devices

601, 602, 603, a network 604, and a server 605 (this architecture is merely an example, and the components contained in a particular architecture may be tailored to the application specific case). 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 shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only) 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) providing support for shopping-type websites browsed by users using

terminal devices

601, 602, 603. The background management server may analyze and process the received data such as the product information query request, and feedback the processing result (e.g., the target push information, the product information—only an example) to the terminal device.

It should be noted that the method for digital currency conversion provided by the embodiment of the present invention is generally executed by the server 605, and accordingly, the device for digital currency conversion is generally disposed in the server 605.

It should be noted that, the method for digital currency conversion provided in the embodiment of the present invention may be executed by a terminal device, and accordingly, the device for digital currency conversion is generally disposed in the terminal device.

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. 6, there is illustrated a schematic diagram of a computer system 600 suitable for use in implementing an embodiment of the present invention. The terminal device shown in fig. 6 is only an example, and should not impose any limitation on the functions and the scope of use of the embodiment of the present invention.

As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU) 601, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other through a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

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 a 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 section 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, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with computer-readable program code embodied therein. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the preceding. 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 modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor comprising: the device comprises a determining module, a generating module and a exchanging module. Where the names of these modules do not constitute a limitation on the module itself in some cases, for example, the generation module may also be described as "a module that sends the redemption request to the wallet operating mechanism system corresponding to the wallet identification".

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: determining a redemption amount, a wallet identification of a digital money wallet for redemption and a card identification of a bank card for redemption in response to a redemption operation by a user; generating a redemption request according to the wallet identification, the redemption amount and the card identification; and sending the exchange request to a wallet operation mechanism system corresponding to the wallet identification, so that the wallet operation mechanism system responds to the exchange request and communicates with a card operation mechanism system to which the bank card belongs, thereby exchanging the digital currency in the digital currency wallet for the non-digital currency and depositing the non-digital currency in the bank card or exchanging the non-digital currency in the bank card for the digital currency and depositing the digital currency wallet.

According to the technical scheme provided by the embodiment of the invention, the digital currency App can be used for initiating the exchange request, so that the recharging of the digital currency wallet and the exchange of the digital currency in the digital currency wallet into the non-digital currency can be realized, the complexity of the digital currency exchange is reduced, the high efficiency and convenience of the digital currency exchange are improved, and the security of the privacy data is also improved.

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 are possible, depending on 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 currency conversion, comprising:

and sending the exchange request to a wallet operation mechanism system corresponding to the wallet identification, so that the wallet operation mechanism system responds to the exchange request and communicates with a card operation mechanism system to which the bank card belongs, thereby exchanging the digital currency in the digital currency wallet for non-digital currency and depositing the non-digital currency in the bank card into the bank card or exchanging the non-digital currency in the bank card for digital currency and depositing the non-digital currency into the digital currency wallet.

2. The method of claim 1, wherein prior to generating a redemption request based on the wallet identification, the redemption amount and the card identification, further comprising: sending an information inquiry request to the wallet operating mechanism system to acquire a conversion rate for digital currency conversion by using the bank card;

3. The method of claim 2, wherein the wallet chassis system communicates with the card chassis system in response to the information query request, obtaining from the card chassis system a redemption rate for digital currency conversion using the bank card, comprising:

And the wallet operating mechanism system sends a rate inquiry request to the card operating mechanism system according to the card identifier, and receives a conversion rate returned by the card operating mechanism system for digital currency conversion by using the bank card after the card operating mechanism system inquires the bank card information of the bank card from the local storage device and determines conversion cost according to the bank card information.

4. The method of claim 1, wherein the wallet operating mechanism system communicates with a card operating mechanism system to which the bank card belongs in response to the redemption request, comprising:

5. The method of claim 4, wherein the wallet operating mechanism system queries the local storage device for bank card information of the bank card based on the card identification, and sends a service request to the card operating mechanism system based on the bank card information; or,

the wallet operation mechanism system sends a service request to the card operation mechanism system according to the card identifier, and receives a service response returned by the card operation mechanism system after the card operation mechanism system inquires the bank card information of the bank card from the local storage device and executes the service-out operation or the service-back operation according to the bank card information.

6. The method of claim 1, wherein determining the redemption amount, and the wallet identification of the digital currency wallet for redemption and the card identification of the bank card for redemption in response to a redemption operation by the user comprises:

receiving the exchange amount input by a user;

and displaying the bank card list to the user, and taking the bank card selected by the user from the displayed bank cards as the bank card for exchanging.

7. The method of claim 6, responsive to a redemption operation by a user, determining a redemption amount and a wallet identification for a digital currency wallet and a card identification for a bank card used for redemption, comprising:

receiving the exchange amount input by a user; displaying a digital currency wallet list to a user, wherein the digital currency wallet selected by the user from the displayed digital currency wallets is used as a digital currency wallet for exchange; displaying a bank card list bound by the digital currency wallet for exchange to a user, wherein the bank card selected by the user from all the displayed bank cards is used as the bank card for exchange; or,

receiving the exchange amount input by a user; displaying a bank card list to a user, wherein the bank card selected by the user from the displayed bank cards is used as a bank card for exchanging; the digital currency wallet list bound by the bank card for exchange is displayed to the user, and the digital currency wallet selected by the user from the displayed digital currency wallets is used as the digital currency wallet for exchange.

8. The method of claim 6 or 7, further comprising, prior to presenting the list of bank cards to the user: masking the card number of each bank card to be displayed;

After a user selects a bank card from the displayed bank cards as a bank card for exchange, the card identification of the bank card for exchange is determined according to the mapping relation between the bank card number and the card identification after mask processing.

9. The method of claim 6, wherein determining the redemption amount, and the wallet identification of the digital currency wallet for redemption and the card identification of the bank card for redemption in response to a redemption operation by the user, further comprises:

10. The method of claim 6, wherein the bank card information of the bank card is stored in a local storage device of the wallet operating mechanism system, and wherein the card identification is generated by the wallet operating mechanism system based on the bank card information; or,

and the local storage equipment of the wallet operating mechanism system does not store the bank card information of the bank card, and the card identifier is generated by the card operating mechanism system according to the bank card information.

11. The method of claim 1, wherein after sending the redemption request to the wallet carrier system corresponding to the wallet identification, further comprising: and under the condition of successful redemption, receiving and displaying a notification message of successful redemption sent by the wallet operating mechanism system by calling a wallet background system.

12. The method of claim 1, wherein the wallet operating mechanism system communicates with the card operating mechanism system or wallet backend system via an interconnection platform.

13. An apparatus for digital currency conversion, comprising:

and the exchange module is used for sending the exchange request to a wallet operation mechanism system corresponding to the wallet identification so that the wallet operation mechanism system responds to the exchange request and communicates with a card operation mechanism system to which the bank card belongs, so that the digital currency in the digital currency wallet is exchanged for the non-digital currency and deposited into the bank card, or the non-digital currency in the bank card is exchanged for the digital currency and deposited into the digital currency wallet.

14. A system for digital currency conversion, comprising: a digital currency application, a wallet operating mechanism system, and a card operating mechanism system;

the wallet operating mechanism system is in communication with the card operating mechanism system to which the bank card belongs in response to the exchange request, so that the digital currency in the digital currency wallet is exchanged for the non-digital currency and deposited into the bank card, or the non-digital currency in the bank card is exchanged for the digital currency and deposited into the digital currency wallet.

15. A digital money wallet refill electronic device, 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 1-12.

16. 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 1-12.