CN116503065A - Order processing system, method, device, storage medium and equipment - Google Patents

Order processing system, method, device, storage medium and equipment Download PDF

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Publication number
CN116503065A
CN116503065A CN202310281388.6A CN202310281388A CN116503065A CN 116503065 A CN116503065 A CN 116503065A CN 202310281388 A CN202310281388 A CN 202310281388A CN 116503065 A CN116503065 A CN 116503065A
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China
Prior art keywords
digital currency
wallet
server
user
digital
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Chinese (zh)
Inventor
穆长春
吕远
于成龙
曹璞伟
谢敏
樊伏虎
陈文�
付建业
吕小玲
陈晨
祁同飞
张明明
刘舒
孙丹妮
王玉良
龙智
刘国维
党彩鑫
牛培蓉
王飞
刘棋旗
罗余华
张阳
肖思远
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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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Publication of CN116503065A publication Critical patent/CN116503065A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

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

Abstract

The specification discloses an order processing system, a method, a device, a storage medium and equipment, wherein a client responds to an operation initiated by a user to an order through a specified payment mode, a payment request carrying a user identifier is sent to a server, the server determines a digital currency wallet associated with the user identifier according to the user identifier, determines an account corresponding to the digital currency wallet, exchanges currency in the account into the digital currency wallet, stores the digital currency into the digital currency wallet, and deducts the digital currency in the digital currency wallet to pay the order. In the method, a user can finish the order payment process of the due-public consumption in a mode of paying the order by a digital currency wallet by initiating operation of the order by a specified payment mode to a client, the order of the due-public consumption is not required to be paid, and then the cost settlement process of the due-public consumption is finished by a settlement process of an enterprise. The system simplifies the cost settlement process of the consumption of the company and improves the management efficiency.

Description

Order processing system, method, device, storage medium and equipment
Technical Field
The present disclosure relates to the field of computer technologies, and in particular, to an order processing system, a method, an apparatus, a storage medium, and a device.
Background
With the development of economic globalization, various enterprises are becoming widespread due to the situation of public consumption. In the prior art, for different types of fees generated by public consumption, the fees are usually paid in advance by staff of the enterprise, and then the enterprise settles the fees uniformly.
Specifically, the payment process for the consumer is typically: and the enterprise staff pays the orders consumed by the enterprises in advance, and after obtaining the bills corresponding to the orders, the enterprise expense settlement process is used for settling the expense consumed by the enterprises.
Therefore, the order payment process of the public consumption in the prior art is complex and complicated, the management efficiency is low, and meanwhile, the labor cost is consumed.
Disclosure of Invention
The present specification provides an order processing system, method, apparatus, storage medium, and device, to partially solve the above-mentioned problems in the prior art.
The technical scheme adopted in the specification is as follows:
the present specification provides an order processing system, the system comprising: a client and a server;
the client is used for responding to the received operation of the order initiated by the user in a specified payment mode and sending a payment request carrying the user identification to the server;
The server is used for responding to the received payment request and determining a digital currency wallet associated with the user identification; determining an account corresponding to the digital currency wallet according to the digital currency wallet; and exchanging the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and deducting the digital currency in the digital currency wallet to pay the order.
Optionally, the client is configured to determine an identifier of a digital currency sub-wallet of the user, carry the identifier as the user identifier in a payment request, and send the payment request to the server;
and the server is used for determining the enterprise digital currency wallet related to the digital currency sub-wallet according to the identification of the digital currency sub-wallet carried in the received payment request.
Optionally, the server is further configured to determine, in response to a received transfer message carrying an identification of the digital currency sub-wallet, an enterprise digital currency wallet associated with the digital currency sub-wallet according to the identification of the digital currency sub-wallet; determining an account corresponding to the enterprise digital currency wallet according to the identification of the enterprise digital currency wallet; converting the currency in the account into digital currency, and storing the digital currency into the enterprise digital currency wallet; transferring digital currency in the enterprise digital currency wallet into the digital currency sub-wallet.
Optionally, the server includes: the first server and the second server;
the first server is used for sending a digital currency exchange request carrying the identification of the digital currency purse to the second server; responding to the exchange success message, and sending a deduction request to a second server;
the second server is used for responding to the received digital currency exchange request and determining an account corresponding to the digital currency wallet according to the identification of the digital currency wallet; converting the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and sending a conversion success message to the first server; and in response to the deduction request sent by the first server, transferring digital currency in the digital currency wallet into a digital currency wallet of a merchant to pay the order.
Optionally, the server is further configured to determine an amount to be paid according to the payment request carrying the user identifier, and determine a remaining amount that can be used by the user; and if the residual amount is smaller than the to-be-paid amount, sending a payment failure message to the client.
The specification provides an order processing method, which is applied to a client in an order processing system and comprises the following steps:
responding to the received operation initiated by the user for paying the order by a specified payment mode, and determining the user identification of the user;
and generating a payment request carrying the user identifier according to the user identifier, sending the payment request to a server, enabling the server to determine a digital currency wallet associated with the user identifier according to the received payment request, determining an account corresponding to the digital currency wallet according to the digital currency wallet, converting currency in the account into digital currency, storing the digital currency into the digital currency wallet, and deducting the digital currency in the digital currency wallet to pay the order.
Optionally, determining the user identifier of the user specifically includes:
determining the identification of the digital currency sub-wallet of the user as the user identification of the user;
according to the user identification, generating a payment request carrying the user identification, which comprises the following steps of
And generating a payment request carrying the identification of the digital currency sub-wallet as the user identification according to the identification of the digital currency sub-wallet.
The specification provides an order processing method, which is applied to a first server in an order processing system, and comprises the following steps:
responding to a received payment request which is sent by a client and carries a user identifier, and determining a digital currency wallet associated with the user identifier according to the user identifier;
transmitting a digital currency exchange request carrying the identification of the digital currency wallet to a second server, so that the second server determines an account corresponding to the digital currency wallet according to the identification of the digital currency wallet; converting the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and sending a conversion success message to the first server;
and responding to the received exchange success message sent by the second server, sending a deduction request to the second server so that the second server deducts the digital currency in the digital currency wallet to pay an order.
Optionally, before sending the digital currency conversion request carrying the identification of the digital currency wallet to a second server, the method further comprises:
determining the amount to be paid according to the payment request, and determining the residual amount which can be used by the user according to the user identification;
And determining that the residual amount is not smaller than the amount to be paid.
Optionally, the payment request is an operation of the client for responding to the designated payment mode initiated by the user to the order, the identification of the digital currency sub-wallet of the user is determined, and the generated payment request carrying the identification of the digital currency sub-wallet as the user identification is generated according to the identification of the digital currency sub-wallet;
according to the user identification, determining the digital currency wallet associated with the user identification specifically comprises the following steps:
and determining the enterprise digital currency wallet related to the digital currency sub-wallet of the user according to the identification of the digital currency sub-wallet carried by the payment request.
Optionally, the digital money wallet includes: enterprise digital currency wallets;
the method further comprises the steps of:
responsive to receiving a transfer message carrying an identification of a digital currency sub-wallet, determining an enterprise digital currency wallet associated with the digital currency sub-wallet in accordance with the identification of the digital currency sub-wallet;
sending a transfer request to the second server, so that the second server determines an account corresponding to the enterprise digital currency wallet according to the identification of the enterprise digital currency wallet, exchanges currency in the account into digital currency, and stores the digital currency in the enterprise digital currency wallet; transferring digital currency in the enterprise digital currency wallet into the digital currency sub-wallet.
The specification provides an order processing device, which is applied to a client in an order processing system, and comprises:
the response module is used for responding to the received operation of paying the order by a specified payment mode initiated by the user and determining the user identification of the user;
the sending module is used for generating a payment request carrying the user identifier according to the user identifier, and sending the payment request to a server so that the server can determine a digital currency wallet associated with the user identifier according to the received payment request; determining an account corresponding to the digital currency wallet according to the digital currency wallet; and exchanging the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and deducting the digital currency in the digital currency wallet to pay the order.
The present specification provides an order processing apparatus, applied to a first server in an order processing system, including:
the first receiving module is used for responding to a received payment request which is sent by a client and carries a user identifier, and determining a digital currency wallet associated with the user identifier according to the user identifier;
The sending module is used for sending a digital currency exchange request carrying the identification of the digital currency wallet to the second server so that the second server can determine an account corresponding to the digital currency wallet according to the identification of the digital currency wallet; converting the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and sending a conversion success message to the first server;
and the second receiving module is used for responding to the received exchange success message sent by the second server and sending a deduction request to the second server so that the second server deducts the digital currency in the digital currency wallet to pay an order.
The present specification provides a computer readable storage medium storing a computer program which when executed by a processor implements the order processing method described above.
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 order processing method described above when executing the computer program.
The above-mentioned at least one technical scheme that this specification adopted can reach following beneficial effect:
In the order processing system provided by the specification, a client side responds to an operation of an order initiated by a user in a specified payment mode, a payment request carrying a user identifier is sent to a server, the server determines a digital currency wallet associated with the user identifier according to the user identifier, and determines an account corresponding to the digital currency wallet. The digital money in the account is then converted to digital money and stored in a digital money wallet, and the digital money in the digital money wallet is deducted to pay the order.
From the above, the user can complete the order payment process of the due-public consumption by issuing the operation of the order by the appointed payment mode to the client, without pre-filling the order of the due-public consumption, and then complete the cost settlement process of the due-public consumption by the settlement process of the enterprise.
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 order processing in the present specification;
FIG. 2 is a schematic diagram of a payment page displayed by a client provided in the present specification;
FIG. 3 is a schematic diagram of an order processing apparatus provided in the present disclosure;
FIG. 4 is a schematic diagram of an order processing apparatus provided in the present disclosure;
fig. 5 is a schematic view of the electronic device corresponding to 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.
With economic globalization, individual enterprises are becoming commonplace in the context of business consumption, which may also be referred to as enterprise consumption, including business-transactional consumption, e.g., business staff business trip consumption, conference expenses, etc. In actual operation, the settlement process of enterprise consumption is generally: the enterprise staff pre-pay the fees required by the orders for the consumer and obtain invoices made based on the orders for the consumer from the merchant, after which the enterprise can settle accounts based on the invoices provided by the enterprise staff. However, the above settlement process is excessively complicated and consumes a lot of labor cost.
Based on this, in the prior art, a specific Application (APP) dedicated for enterprise consumption is provided for enterprise staff, various consumption APPs are collected in the specific APP, for example, take-out APP, travel APP, etc., the enterprise can store a certain fee in the specific APP in advance, and when the enterprise staff consumes due to the public, the pre-stored fee can be directly deducted to pay the fee of the order consumed due to the public. For example, before an employee of enterprise a goes out, a high-speed rail ticket may be purchased at a designated APP, the high-speed rail ticket cost being 500 yuan, and upon payment of the high-speed rail ticket cost, the designated APP may deduct 500 yuan from the APP pre-stored cost to pay the high-speed rail ticket cost. However, for this enterprise fee settlement method, it is necessary for the enterprise allocation staff to inquire in real time whether the fee balance stored in the designated APP is sufficient, which consumes labor costs of the enterprise, and storing the fee in the designated APP affects the money flow of the enterprise.
The following describes in detail the technical solutions provided by the embodiments of the present specification with reference to the accompanying drawings.
Fig. 1 is a schematic flow chart of order processing in the present specification, specifically including the following steps:
s100: and the client side responds to the received operation of the order initiated by the user and carried out in a specified payment mode, and sends a payment request carrying the user identification to the server.
The core thought of order processing provided in the specification is as follows: for each business, a business digital money wallet (for a public digital money wallet) may be opened and employee user digital money sub-wallets are opened in bulk. When each employee selects the enterprise payment mode to make payment operation, the server can determine the enterprise digital wallet related to the digital currency sub-wallet through the digital currency sub-wallet held by the employee, then the server can convert cash in the enterprise account into digital currency and store the digital currency into the enterprise digital wallet, and then deduct money from the converted digital currency to make payment orders.
Based on the core idea of order processing provided in the present specification, a simple explanation is given to digital money, which is a digitized money, i.e., a money in which a cash value is converted into a series of character strings. Taking digital RMB as an example, digital RMB is a digital form of RMB, which is issued by banks, is participated in operation by designated operation institutions and is exchanged to the public. Digital money wallets are generally classified into personal digital money wallets and enterprise digital money wallets, which are the pair of public digital money wallets.
In addition, the digital money wallet can be divided into a digital money wallet and a digital money wallet according to authority attribution. The digital currency wallet holding user can set the main digital currency wallet as a mother wallet, and can set a plurality of child wallets under the digital currency mother wallet. The user with the digital currency wallet can realize the functions of limit payment, conditional payment and the like of a payment scene through the digital currency sub-wallet. Enterprises can realize functions such as funds distribution, financial management and the like through the functions of the digital currency sub-wallet.
Specifically, when the user pays for the consumed order, as shown in fig. 2, the client may generate a payment page, where the page includes various payment modes, so that the user selects any payment mode to pay for the order. When the type of the order consumed by the user is the type consumed by the business, the user can select any payment mode to pay the order by clicking in a payment page.
When the user selects the designated payment mode, the client responds to the received operation of the order by the designated payment mode initiated by the user, and the client can determine the identification of the digital currency sub-wallet held by the user according to the account logged in by the user. And then, the client can take the determined identification of the digital currency sub-wallet of the user as the user identification of the user, carry the identification in a payment request, and send the payment request to a server in communication with the client so that the server can carry out subsequent processing on the received payment request.
The payment request may include, in addition to the identification of the digital currency sub-wallet carried by the payment request as the user identification, order information consumed by the user, for example, the amount paid by the order, the identification of the order, and the like, which is not limited in this specification. The designated payment method may be a corporate payment method, or any payment method capable of evoking a payment order using a digital wallet of a corporation, which will not be described in the present specification.
It is noted that the above mentioned digital money sub-wallet is a sub-wallet associated with the enterprise digital money wallet of the enterprise where the user is located, i.e. the enterprise digital money wallet is a mother wallet, and the user holds the sub-wallet of the enterprise digital money wallet, not the user's personal digital money wallet.
In addition, the user needs to open the enterprise payment mode in the client in advance, and the user can bind the digital currency sub-wallet held by the user with the client to open the enterprise payment mode.
S102: the server determines a digital money wallet associated with the user identification in response to the received payment request.
Specifically, when the server receives the payment request sent by the client, the digital currency wallet associated with the digital currency sub-wallet, namely the digital currency mother wallet, can be determined according to the identification of the digital currency sub-wallet as the user identification carried in the payment request, and the digital currency wallet associated with the digital currency sub-wallet is the digital currency wallet associated with the digital currency sub-wallet and is an enterprise digital currency wallet of an enterprise where the user is located.
S104: and the server determines an account corresponding to the digital currency wallet according to the digital currency wallet.
S106: the server exchanges the currency in the account for digital currency and stores the digital currency in the digital currency wallet.
Specifically, the server may determine an account corresponding to the enterprise digital currency wallet according to the identity of the enterprise digital currency wallet. The account is a basic bank account of the enterprise, and is used for the enterprise to transact daily account transfer settlement and cash charging, and cash is usually stored in the basic bank account of the enterprise.
And then, the server can determine the amount to be paid according to the order information contained in the payment request, convert the currency in the account which is equal to the amount to be paid into digital currency, and store the digital currency obtained by conversion into the enterprise digital currency wallet.
S108: the server deducts the digital currency in the digital currency wallet to pay the order.
Specifically, since the digital money is used to pay the order in the present specification, the server may determine the digital money purse of the merchant who collects money according to the payment request received in step S102. The server may then transfer the stored digital currency from the conversion in the enterprise digital wallet to the merchant's digital currency wallet to pay for the order.
In order for the user to learn the successful message of this order, after the payment is successful, the server may send a successful payment message to the client. The client may generate a payment success page in response to the received payment success message, so as to prompt the user that the payment of the current order is successful.
Notably, to ensure liquidity of funds in the enterprise account, the server may convert currency equal to the amount to be paid into digital currency, i.e., how much to redeem for consumption, each time a payment operation is performed on the order.
Based on the order processing method shown in fig. 1, it can be seen that a user can complete the order payment process of the consumer in a mode of paying the order by the digital money wallet by initiating the operation of the order by the appointed payment mode to the client, and the consumer does not need to pay the order of the consumer in advance, and then the cost settlement process of the consumer in the consumer is completed by the settlement process of the enterprise. In addition, when an order is paid, the currency in the account is converted into digital currency, so that the normal use of funds in the account by enterprises is not affected.
In an order processing system provided in the present description, a server includes: the system comprises a first server and a second server, wherein the second server is a bank server.
Specifically, in the process of deducting the order, the main body of the payment request sent by the receiving client is the first server, and then the first server can determine the digital currency mother wallet associated with the digital currency sub-wallet, namely the enterprise digital currency wallet, according to the identification of the digital currency sub-wallet carried by the payment request, generate a digital currency exchange request carrying the identification of the enterprise digital currency wallet, and send the digital currency exchange request to the second server. The digital currency exchange request may include, in addition to the identification of the digital currency wallet of the enterprise, the amount of the digital currency to be exchanged, and the like, which is not limited in this specification.
The second server receives the digital currency exchange request, can determine an account corresponding to the digital currency wallet according to the identification of the digital currency wallet carried by the digital currency exchange request, and determines the amount of digital currency to be exchanged according to the digital currency exchange request as a target amount. The second server may exchange the currency of the target amount in the account for the digital currency of the target amount, store the digital currency in the enterprise digital currency wallet, and send a exchange success message to the first server.
The first server responds to the received exchange success message, determines the merchant for collection according to order information contained in the received payment request, so as to determine the identification of the digital currency wallet used for collection by the merchant, then generates a deduction request carrying the identification of the digital currency wallet of the merchant, and sends the deduction request to the second server. The deduction request at least comprises identification of a digital currency wallet of a merchant, amount to be paid, identification of the digital currency wallet of an enterprise, and information such as authorization deduction request of the digital currency wallet of the enterprise.
The second server may determine the digital money wallet of the merchant to collect based on the identity of the digital money wallet of the merchant contained in the payment request in response to receiving the payment request, after which the converted digital money may be transferred to the digital money wallet of the merchant to pay the order.
Further, in order to limit the amount used by the staff of the enterprise, when the first server receives the payment request, the first server can determine the remaining amount which can be used by the user currently according to the identification of the digital currency sub-wallet which is carried in the payment request and is used as the user identification, and meanwhile, the amount to be paid corresponding to the order can also be determined according to the payment request. And then, the first server can judge whether the residual amount is not less than the amount to be paid, if so, a request for exchanging digital currency is sent to the second server, and if not, the first server sends a payment failure message to the client. When receiving the payment failure message sent by the first server, the client can generate a prompt page so that a user can timely know that the payment of the order fails.
Further, in order to avoid that the enterprise staff pay the order of personal consumption in the enterprise payment mode, when the client responds to the operation of the order initiated by the user in the appointed payment mode, the client can bind the order with the identification of the digital currency sub-wallet of the user so as to trace the order information consumed by each staff later.
In addition, in order to facilitate the management of the cost by enterprises, a mode of transferring digital currency can be adopted when welfare is issued for staff. Specifically, the first server may send a second redemption message to the second server in response to receiving the transfer message carrying the identification of the digital currency sub-wallet. Wherein the second redemption message includes at least an identification of the employee's digital currency sub-wallet and the transfer amount.
When the second server receives the second exchange message, the digital currency mother wallet corresponding to the digital currency sub wallet can be determined according to the identification of the digital currency sub wallet contained in the second exchange message, namely, the enterprise digital currency wallet, and then the account corresponding to the enterprise digital currency wallet is determined according to the identification of the enterprise digital currency wallet. And then, according to the transfer amount contained in the second exchange message, the money with the same amount as the transfer amount in the account is exchanged into digital money, and the digital money obtained through exchange is transferred into the digital money sub-wallet to finish the issuing of employee benefits.
Further, if the employee refunds an order, the refund will be correspondingly returned to the digital wallet of the enterprise because the previous order fee was deducted from the digital wallet of the enterprise. To avoid affecting the liquidity of the enterprise funds, when the server determines that the enterprise digital currency wallet stores the remaining digital currency, the digital currency may be converted to cash and transferred to an account corresponding to the enterprise digital currency wallet.
In addition, the exchange of cash and digital currency is simply introduced, when a user needs to exchange the currency in an account for the digital currency, an exchange request can be sent to a server of a bank, the server of the bank where the account is located can verify the digital signature of the user a priori, after verification is passed, the exchange request is sent to a bank note issuing/central digital currency server, after receiving the exchange request, the bank note issuing/central digital currency server transfers the digital currency to the server of the bank where the account is located, and transfer success information with the bank note issuing digital signature is returned to the server of the bank where the account is located. The server of the bank where the account is located can store digital currency into the digital currency wallet of the user and reduce the balance of the bank account of the user.
The order processing method provided for one or more embodiments of the present disclosure further provides a corresponding order processing device based on the same concept, as shown in fig. 3.
Fig. 3 is a schematic diagram of an order processing device provided in the present disclosure, which is applied to a client in an order processing system, and specifically includes:
a response module 301, a sending module 302, wherein:
the response module 301 is configured to determine a user identifier of the user, in response to a received operation initiated by the user to pay the order in a specified payment manner;
a sending module 302, configured to generate a payment request carrying the user identifier according to the user identifier, and send the payment request to a server, so that the server determines a digital currency wallet associated with the user identifier according to the received payment request; determining an account corresponding to the digital currency wallet according to the digital currency wallet; and exchanging the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and deducting the digital currency in the digital currency wallet to pay the order.
Optionally, the response module 301 is specifically configured to determine an identification of the digital currency sub-wallet of the user as a user identification of the user; the sending module 302 is specifically configured to generate, according to the identifier of the digital currency sub-wallet, a payment request carrying the identifier of the digital currency sub-wallet as the user identifier.
The order processing method provided for one or more embodiments of the present disclosure further provides a corresponding order processing device based on the same concept, as shown in fig. 4.
Fig. 4 is a schematic diagram of an order processing device provided in the present disclosure, which is applied to a first server in an order processing system, and specifically includes:
a first receiving module 401, a transmitting module 402, a second receiving module 403, wherein:
a first receiving module 401, configured to determine, according to a user identifier, a digital currency wallet associated with the user identifier in response to a received payment request sent by a client and carrying the user identifier;
a sending module 402, configured to send a digital currency exchange request carrying an identifier of the digital currency wallet to a second server, so that the second server determines an account corresponding to the digital currency wallet according to the identifier of the digital currency wallet; converting the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and sending a conversion success message to the first server;
and the second receiving module 403 is configured to send a deduction request to the second server in response to the received exchange success message sent by the second server, so that the second server deducts the digital currency in the digital currency wallet to pay an order.
Optionally, the sending module 402 is further configured to determine an amount to be paid according to the payment request, and determine a remaining amount that can be used by the user according to the user identifier; and determining that the residual amount is not smaller than the amount to be paid.
Optionally, the payment request is an operation of the client for responding to the designated payment mode initiated by the user to the order, the identification of the digital currency sub-wallet of the user is determined, and the generated payment request carrying the identification of the digital currency sub-wallet as the user identification is generated according to the identification of the digital currency sub-wallet; the first receiving module 401 specifically includes determining, according to the identifier of the digital currency sub-wallet carried by the payment request, an enterprise digital currency wallet associated with the digital currency sub-wallet of the user.
Optionally, the digital money wallet includes: enterprise digital currency wallets; the first receiving module 401 is further configured to determine, in response to a received transfer message carrying an identifier of a digital currency sub-wallet, an enterprise digital currency wallet associated with the digital currency sub-wallet according to the identifier of the digital currency sub-wallet; the sending module 402 is further configured to send a transfer request to the second server, so that the second server determines an account corresponding to the digital money purse according to the identifier of the digital money purse, and exchanges the money in the account into digital money, and stores the digital money in the digital money purse; transferring digital currency in the enterprise digital currency wallet into the digital currency sub-wallet.
It should be noted that, all actions for acquiring signals, information or data in the present application are performed under the condition of conforming to the corresponding data protection rule policy of the country of the location and obtaining the authorization given by the owner of the corresponding device.
The present specification also provides a computer readable storage medium storing a computer program operable to perform the order processing method provided in fig. 1 above.
The present specification also provides a schematic structural diagram of the electronic device shown in fig. 5. 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. 5, although other hardware required by other services may be included. The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs to implement the order processing method described above with respect to fig. 1. 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 (15)

1. An order processing system, the system comprising: a client and a server;
the client is used for responding to the received operation of the order initiated by the user in a specified payment mode and sending a payment request carrying a user identifier to the server;
the server is used for responding to the received payment request and determining a digital currency wallet associated with the user identification; determining an account corresponding to the digital currency wallet according to the digital currency wallet; and exchanging the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and deducting the digital currency in the digital currency wallet to pay the order.
2. The system of claim 1, wherein the client is configured to determine an identity of a digital currency sub-wallet of the user, carry the identity as the user identity in a payment request, and send the payment request to the server;
and the server is used for determining the enterprise digital currency wallet related to the digital currency sub-wallet according to the identification of the digital currency sub-wallet carried in the received payment request.
3. The system of claim 1, wherein the server is further configured to determine an enterprise digital money wallet associated with the digital money sub-wallet based on the identity of the digital money sub-wallet in response to receiving the transfer message carrying the identity of the digital money sub-wallet; determining an account corresponding to the enterprise digital currency wallet according to the identification of the enterprise digital currency wallet; converting the currency in the account into digital currency, and storing the digital currency into the enterprise digital currency wallet; transferring digital currency in the enterprise digital currency wallet into the digital currency sub-wallet.
4. The system of claim 1, wherein the server comprises: the first server and the second server;
The first server is used for sending a digital currency exchange request carrying the identification of the digital currency purse to the second server; responding to the exchange success message, and sending a deduction request to a second server;
the second server is used for responding to the received digital currency exchange request and determining an account corresponding to the digital currency wallet according to the identification of the digital currency wallet; converting the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and sending a conversion success message to the first server; and in response to the deduction request sent by the first server, transferring digital currency in the digital currency wallet into a digital currency wallet of a merchant to pay the order.
5. The system of claim 1, wherein the server is further configured to determine an amount to be paid and determine a remaining amount that the user can use based on the payment request carrying the user identification; and if the residual amount is smaller than the to-be-paid amount, sending a payment failure message to the client.
6. An order processing method, applied to a client in an order processing system, comprising:
Responding to the received operation initiated by the user for paying the order by a specified payment mode, and determining the user identification of the user;
and generating a payment request carrying the user identifier according to the user identifier, sending the payment request to a server, enabling the server to determine a digital currency wallet associated with the user identifier according to the received payment request, determining an account corresponding to the digital currency wallet according to the digital currency wallet, converting currency in the account into digital currency, storing the digital currency into the digital currency wallet, and deducting the digital currency in the digital currency wallet to pay the order.
7. The method of claim 6, wherein the determining the user identification of the user specifically comprises:
determining the identification of the digital currency sub-wallet of the user as the user identification of the user;
according to the user identifier, generating a payment request carrying the user identifier specifically comprises the following steps:
and generating a payment request carrying the identification of the digital currency sub-wallet as the user identification according to the identification of the digital currency sub-wallet.
8. An order processing method, wherein the method is applied to a first server in an order processing system, and comprises:
responding to a received payment request which is sent by a client and carries a user identifier, and determining a digital currency wallet associated with the user identifier according to the user identifier;
transmitting a digital currency exchange request carrying the identification of the digital currency wallet to a second server, so that the second server determines an account corresponding to the digital currency wallet according to the identification of the digital currency wallet; converting the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and sending a conversion success message to the first server;
and responding to the received exchange success message sent by the second server, sending a deduction request to the second server so that the second server deducts the digital currency in the digital currency wallet to pay an order.
9. The method of claim 8, wherein prior to sending the redemption digital currency request to the second server carrying the identification of the digital currency wallet, the method further comprises:
Determining the amount to be paid according to the payment request, and determining the residual amount which can be used by the user according to the user identification;
and determining that the residual amount is not smaller than the amount to be paid.
10. The method of claim 8, wherein the payment request is an operation of the client on the order in response to a specified payment mode initiated by the user, determining an identity of a digital currency sub-wallet of the user, and generating a payment request carrying the identity of the digital currency sub-wallet as the user identity according to the identity of the digital currency sub-wallet;
the method for determining the digital currency wallet associated with the user identifier according to the user identifier specifically comprises the following steps:
and determining the enterprise digital currency wallet related to the digital currency sub-wallet of the user according to the identification of the digital currency sub-wallet carried by the payment request.
11. The method of claim 8, wherein the digital money wallet comprises: enterprise digital currency wallets;
the method further comprises the steps of:
responsive to receiving a transfer message carrying an identification of a digital currency sub-wallet, determining an enterprise digital currency wallet associated with the digital currency sub-wallet in accordance with the identification of the digital currency sub-wallet;
Sending a transfer request to the second server, so that the second server determines an account corresponding to the enterprise digital currency wallet according to the identification of the enterprise digital currency wallet, exchanges currency in the account into digital currency, and stores the digital currency in the enterprise digital currency wallet; transferring digital currency in the enterprise digital currency wallet into the digital currency sub-wallet.
12. An order processing apparatus, for use in a client in an order processing system, comprising:
the response module is used for responding to the received operation of paying the order by a specified payment mode initiated by the user and determining the user identification of the user;
the sending module is used for generating a payment request carrying the user identifier according to the user identifier, and sending the payment request to a server so that the server can determine a digital currency wallet associated with the user identifier according to the received payment request; determining an account corresponding to the digital currency wallet according to the digital currency wallet; and exchanging the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and deducting the digital currency in the digital currency wallet to pay the order.
13. An order processing apparatus, for use in a first server in an order processing system, comprising:
the first receiving module is used for responding to a received payment request which is sent by a client and carries a user identifier, and determining a digital currency wallet associated with the user identifier according to the user identifier;
the sending module is used for sending a digital currency exchange request carrying the identification of the digital currency wallet to the second server so that the second server can determine an account corresponding to the digital currency wallet according to the identification of the digital currency wallet; converting the currency in the account into digital currency, storing the digital currency into the digital currency wallet, and sending a conversion success message to the first server;
and the second receiving module is used for responding to the received exchange success message sent by the second server and sending a deduction request to the second server so that the second server deducts the digital currency in the digital currency wallet to pay an order.
14. A computer-readable storage medium, characterized in that the storage medium stores a computer program which, when executed by a processor, implements the method of any of the preceding claims 6-11.
15. 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 method of any of the preceding claims 6-11 when executing the computer program.
CN202310281388.6A 2022-04-21 2023-03-20 Order processing system, method, device, storage medium and equipment Pending CN116503065A (en)

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