CN116703395B - Digital RMB payment method, device, equipment, system and medium - Google Patents
Digital RMB payment method, device, equipment, system and medium Download PDFInfo
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
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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
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/387—Payment using discounts or coupons
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
Abstract
The invention discloses a method, a device, equipment, a system and a medium for paying digital RMB. Wherein the method, when executed by the first node, comprises: determining account information and order information of a target user in response to an order request of the target user; verifying the order information, and if the order information passes the verification, transmitting the account information to the second node so that the second node verifies the account information; and if the verification passing information of the account information sent by the second node is received, the order information is sent to the second node, so that the second node transfers the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information. By executing the technical scheme provided by the embodiment of the invention, the rapid business transaction of the digital RMB between enterprises and individuals can be realized, the enterprises can be assisted to enjoy the digital RMB settlement preferential policy, and the popularization of the digital RMB is facilitated.
Description
Technical Field
The invention relates to the technical field of digital RMB, in particular to a method, a device, equipment, a system and a medium for paying digital RMB.
Background
Digital renminbi is a legal currency in digital form issued by the chinese people's bank. The digital RMB is equivalent to paper money and coins, and has value characteristics and French. The function of the digital RMB is equivalent to cash and coins in circulation, and the digital RMB and the physical RMB coexist for a long time, and the digital RMB is mainly used for meeting the demands of public digital cash and assisting the general finance. Along with the continuous exploration and use of the digital RMB in the transaction field, the system of the digital RMB is also continuous and sound, and the use field is also continuously expanded.
In the related art, most of third party payment application scenarios adopt trade modes of banking, banking and other debit account types to conduct trade modes between enterprises and C-ends. Therefore, the digital RMB settlement preferential policy cannot be enjoyed, and the wide popularization and the use of the digital RMB are not facilitated.
Disclosure of Invention
The invention provides a payment method, a device, equipment, a system and a medium for digital RMB, which can realize the rapid business transaction of the digital RMB between enterprises and individuals, can help enterprises to enjoy the preferential policy of digital RMB settlement and is beneficial to the popularization of the digital RMB.
In a first aspect, an embodiment of the present invention provides a method for paying a digital rmb, which is performed by a first node, including: determining account information and order information of a target user in response to an order request of the target user; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account;
verifying the order information, and if the order information passes the verification, sending the account information to a second node so that the second node verifies the account information;
and if the verification passing information of the account information sent by the second node is received, sending the order information to the second node so that the second node transfers the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information.
In a second aspect, an embodiment of the present invention further provides a method for paying for digital rmbs, which is performed by a second node, the method including: receiving account information of a target user sent by a first node, and verifying the account information; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user;
If the account information passes verification, generating verification passing information of the account information, and sending the verification passing information to the first node;
receiving order information sent by the first node, and transferring the digital RMB with the transferred amount from the account of the target user to a transfer account according to the order information; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer amount is associated with the transfer account.
In a third aspect, an embodiment of the present invention further provides a payment device for digital rmbs, configured at a first node, where the device includes: the system comprises an account information and order information determining module, a storage module and a storage module, wherein the account information and order information determining module is used for determining account information and order information of a target user in response to an order request of the target user; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account;
the order information verification module is used for verifying the order information, and if the order information passes the verification, the account information is sent to a second node so that the second node verifies the account information;
And the order information sending module is used for sending the order information to the second node if the verification passing information of the account information sent by the second node is received, so that the second node transfers the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information.
In a fourth aspect, an embodiment of the present invention further provides a payment device for digital rmbs, configured at a second node, where the device includes:
the account information verification module is used for receiving the account information of the target user sent by the first node and verifying the account information; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user;
the verification passing information sending module is used for generating verification passing information of the account information if the account information passes verification, and sending the verification passing information to the first node;
the transfer module is used for receiving order information sent by the first node, and transferring the digital RMB of the transfer amount from the account of the target user to the transfer account according to the order information; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer amount is associated with the transfer account.
In a fifth aspect, an embodiment of the present invention further provides an electronic device, including:
one or more processors;
storage means for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors implement the method for payment of digital rmb by the first node according to any one of the embodiments of the present invention, or the method for payment of digital rmb by the second node according to any one of the embodiments of the present invention.
In a sixth aspect, the embodiment of the present invention further provides a system for paying digital rmb, where the system includes a first node and a second node, where the first node and the second node are configured in the electronic device;
the first node is used for responding to an order request of a target user and determining account information and order information of the target user; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account;
The first node is further configured to verify the order information, and if the order information passes the verification, send the account information to a second node;
the second node is configured to verify the account information, generate verification passing information of the account information if the account information passes verification, and send the verification passing information to the first node;
the first node is further configured to send the order information to the second node if the verification passing information is received;
and the second node is also used for transferring the digital RMB of the transfer-in amount from the account of the target user to the transfer-in account according to the order information.
In a seventh aspect, an embodiment of the present invention further provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements a method for paying for digital rmbs performed by a first node according to any one of the embodiments of the present invention, or a method for paying for digital rmbs performed by a second node according to any one of the embodiments of the present invention.
According to the technical scheme provided by the embodiment of the invention, when the first node executes the order request of the target user, the account information and the order information of the target user are determined; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account; verifying the order information, and if the order information passes the verification, transmitting the account information to the second node so that the second node verifies the account information; and if the verification passing information of the account information sent by the second node is received, the order information is sent to the second node, so that the second node transfers the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information. By executing the technical scheme provided by the embodiment of the invention, the rapid business transaction of the digital RMB between enterprises and individuals can be realized, the enterprises can be assisted to enjoy the digital RMB settlement preferential policy, and the popularization of the digital RMB is facilitated.
It should be understood that the description in this section is not intended to identify key or critical features of the embodiments of the invention or to delineate the scope of the invention. Other features of the present invention will become apparent from the description that follows.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flowchart of a method for paying for digital RMB performed by a first node according to an embodiment of the invention;
FIG. 2 is a flowchart of another method for paying for digital RMB performed by a first node according to an embodiment of the invention;
FIG. 3 is a flowchart of a method for payment of digital RMB performed by a second node according to an embodiment of the invention;
FIG. 4 is a schematic diagram of a payment device for digital RMB configured at a first node according to an embodiment of the invention;
FIG. 5 is a schematic diagram of a payment device for digital RMB disposed at a second node according to an embodiment of the invention;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present invention;
FIG. 7 is a schematic diagram of a payment system for digital RMB according to an embodiment of the invention.
Detailed Description
In order that those skilled in the art will better understand the present invention, a technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It can be understood that before using the technical solutions disclosed in the embodiments of the present invention, the user should be informed and authorized of the type, application range, usage scenario, etc. of the personal information related to the present invention in an appropriate manner according to the relevant laws and regulations.
For example, in response to receiving an active request from a user, a prompt is sent to the user to explicitly prompt the user that the operation it is requesting to perform will require personal information to be obtained and used with the user. Therefore, the user can automatically select whether to provide personal information for software or hardware such as electronic equipment, application programs, servers or storage media for executing the operation of the technical scheme according to the prompt information.
As an alternative but non-limiting implementation, in response to receiving an active request from a user, the manner in which the prompt information is sent to the user may be, for example, a popup, in which the prompt information may be presented in a text manner. In addition, a selection control for the user to select to provide personal information to the electronic device in a 'consent' or 'disagreement' manner can be carried in the popup window.
It will be appreciated that the above-described notification and user authorization acquisition process is merely illustrative and not limiting of the implementation of the present invention, and that other ways of satisfying relevant legal regulations may be applied to the implementation of the present invention.
It will be appreciated that the data (including but not limited to the data itself, the acquisition or use of the data) involved in the present technical solution should comply with the corresponding legal regulations and the requirements of the relevant regulations.
One application scenario of the scheme is that an enterprise user transfers digital RMB in a digital RMB account of a bank of the enterprise user to a personal digital RMB account or an enterprise digital RMB account associated with the enterprise user through a third party payment platform. The bank supports digital RMB.
Fig. 1 is a flowchart of a method for payment of digital rmb performed by a first node according to an embodiment of the present invention, where the embodiment may be applied to a case where an enterprise account transfers digital rmb to a personal account or enterprise user, the method may be performed by a payment device of digital rmb, which may be implemented in the form of hardware and/or software, and the payment device of digital rmb may be configured in an electronic device for payment of digital rmb. As shown in fig. 1, the method includes:
s110, in response to an order request of a target user, determining account information and order information of the target user.
The account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer amount is associated with the transfer account.
Illustratively, the first node may be a third party paymate. The target user is an enterprise user. The target user may send an order request through a first node, which determines account information and order information of the target user according to the order request. The account name may be the name of the business of the target user. The account number may be a digital RMB account number identification assigned by the bank when the enterprise user applies for the digital RMB account by the bank supporting the digital RMB may be an enterprise code of the target user. The account information may also include bank certificates. The transaction user password can be the password of the enterprise user when carrying out the digital RMB transaction, and is also distributed by a bank. The transfer type information may be a transfer use, such as payroll. The transferred account may be a digital RMB account number of an individual user or an enterprise user, which is assigned by a bank when the individual user or the enterprise user applies for the digital RMB account by a bank supporting digital RMB. The order information may also include identification information or account names, such as names, of individual users or business users.
And S120, verifying the order information, and if the order information passes the verification, transmitting the account information to a second node so that the second node verifies the account information.
Specifically, the second node may be a digital rmb transaction system of a certain bank. According to the scheme, when the order request of the target user is received through the first node, the order information can be verified, the pre-freezing operation of the enterprise account amount can be performed according to the transfer amount in the order information, if the order information passes the verification, the account information can be sent to the second node, so that the second node can verify the account information, and the verification result is fed back to the first node. Performing the prefreezing operation may avoid operational conflicts resulting from multiple order requests being generated simultaneously.
And S130, if the verification passing information of the account information sent by the second node is received, the order information is sent to the second node, so that the second node transfers the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information.
If the first node receives the verification passing information of the account information sent by the second node, the first node can send the order information to the second node, so that the second node respectively transfers the digital RMB of the transferred amount from the digital RMB account of the enterprise user to the digital RMB account of the individual user, namely, the transferred account according to the transferred amount, the transferred account and the account name in the order information. After completing the transfer of all the transfer accounts in the order information, the second node may feed back the transfer result (e.g., whether the transfer was successful or failed, if the transfer failed, the reason for the transfer failure) to the first node. And after receiving the transfer result of the second node, the first node deducts the frozen enterprise account amount if the transfer is determined to be successful. If the transfer is determined to fail, the operator is prompted to defrost the frozen amount.
In addition, after the second node transfers for 24 hours, the first node can also send a reconciliation request to the second node, receive the serial number generated when the second node transfers to completion, and perform reconciliation operation according to the theoretical transfer amount (i.e. transfer amount) and the actual transfer amount in the digital RMB account of the target user, so as to avoid single account problem caused by inconsistent information processing of the two parties.
According to the technical scheme provided by the embodiment of the invention, when the first node executes the order request of the target user, the account information and the order information of the target user are determined; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account; verifying the order information, and if the order information passes the verification, transmitting the account information to the second node so that the second node verifies the account information; and if the verification passing information of the account information sent by the second node is received, the order information is sent to the second node, so that the second node transfers the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information. By executing the technical scheme provided by the embodiment of the invention, the rapid business transaction of the digital RMB between enterprises and individuals can be realized, the enterprises can be assisted to enjoy the digital RMB settlement preferential policy, and the popularization of the digital RMB is facilitated.
Fig. 2 is a flowchart of a method for paying for digital rmb performed by a first node according to an embodiment of the present invention, which is optimized based on the above-described embodiment. As shown in fig. 2, the method for paying out the digital rmb in the embodiment of the invention may include:
s210, in response to an order request of a target user, determining account information and order information of the target user.
The details of this step are described in the above embodiments.
And S220, determining the historical transfer sum of the account of the target user in at least one historical time period.
The historical time period can be set according to actual needs, and the setting of the historical time period can refer to an order request period of an account of a target user. For example, if the order request period for the account of the target user is one month, the historical period of time may be each month of the past period of time. If the order request period for the account of the target user is one week, the historical period may be weekly for a period of time in the past. The method can determine the historical transfer sum of the digital RMB account of the target user in at least one historical time period through the first node. The transfer total may be a digital rennet transfer total amount.
And S230, determining the current transfer total according to each transfer amount.
The method and the system can determine the total transfer amount, namely the current transfer total amount, through the first node according to the sum of the transfer amounts in the order information.
And S240, verifying the order information according to the historical transfer sum and the current transfer sum, and if the order information passes the verification, transmitting the account information to a second node so that the second node verifies the account information.
The scheme can verify the order information according to the total amount of the historical transfer and the total amount of the current transfer in each historical time period, whether the order information is reasonable or not is verified, and if the order information passes the verification, the account information is sent to the second node so that the second node verifies the account information.
And S250, if the verification passing information of the account information sent by the second node is received, the order information is sent to the second node, so that the second node transfers the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information.
The details of this step are described in the above embodiments.
In this embodiment, optionally, verifying the order information according to each of the historical transfer total and the current transfer total includes: determining an average historical transfer amount according to the total amount of each historical transfer; verifying the order information according to the average historical transfer amount and the current transfer total; if the order information passes the verification, the method comprises the following steps: and if the absolute value of the difference between the average historical transfer amount and the current transfer total amount is smaller than a preset threshold value, the order information is verified.
The scheme can determine the average historical transfer amount according to the average value of the historical transfer amounts by the first node, then determine the absolute value of the difference between the average historical transfer amount and the current transfer amount, and if the absolute value of the difference is smaller than a preset threshold, the current transfer amount is not greatly fluctuated, the scheme is reasonable, and the order information verification is passed.
In addition, the method can also determine the mean square error value according to the historical transfer sum through the first node, calculate the spatial distribution of the current transfer sum through a linear regression equation by taking the mean square error value as a standard, calculate the difference relation between the current transfer sum and the mean square error, calculate the possible out-of-limit probability of the current transfer sum through logistic regression, the more the probability is, the more the risk is possible for the transaction amount, and the smaller the probability is, the verification is passed.
Similarly, the scheme can also verify each transfer amount in the order information, for example, counting each transfer amount of the enterprise digital RMB account in the historical time period, calculating the average transfer amount, and verifying by using the absolute value of the difference between the average transfer amount and each transfer amount in the order information. Or determining a mean square error value according to each transfer amount in the historical time period, calculating the spatial distribution of each transfer amount by using the mean square error value as a standard and using a linear regression equation, solving the difference relation between each transfer amount and the mean square error, and calculating the possible out-of-range probability of each transfer amount by using logistic regression, wherein the larger the probability is, the more possible risk exists in the transaction amount, and the smaller the probability is, the verification is passed. The risk control of the enterprise RMB digital account can be realized, and the transaction risk is reduced.
In this embodiment, optionally, before sending the account information to the second node, the method further includes: processing the account information by adopting an asymmetric encryption algorithm to obtain first processing information; transmitting the account information to a second node, comprising: and sending the first processing information to a second node so that the second node decrypts the first processing information to obtain the account information, and verifying the account information.
The first node processes the account information by adopting an asymmetric encryption algorithm to obtain first processing information, and the first processing information is sent to the second node. The second node decrypts the first processing information by adopting the corresponding key to obtain account information, and verifies the account information. The safety coefficient in the data transmission process can be improved.
In this embodiment, optionally, before sending the order information to the second node, the method further includes: processing the order information by adopting the asymmetric encryption algorithm to obtain second processing information; transmitting the order information to the second node, comprising: and sending the second processing information to the second node so that the second node decrypts the second processing information to obtain the order information, and transferring the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information.
The first node processes the order information by adopting an asymmetric encryption algorithm to obtain second processing information, and the second processing information is sent to the second node. The second node decrypts the second processing information by adopting the corresponding secret key to obtain order information, and the digital RMB with the transfer-in amount is transferred from the account of the target user to the transfer-in account in the order information according to the order information. The safety coefficient in the data transmission process can be improved.
In this embodiment, optionally, before sending the account information to the second node, the method further includes: determining a bank certificate associated with the target user, and sending the bank certificate to the second node so that the second node determines a session identifier according to the bank certificate; transmitting the account information to a second node, comprising: and if the session identification sent by the second node is received, the account information is sent to the second node.
After the first node finishes checking the order information, the first node can carry a bank certificate associated with the target user to carry out return connection with the second node, after a return link is established, the first node carries out RSA asymmetric encryption on the account information, carries encrypted ciphertext strings to carry out authentication checking on the second node through Socket safety links, and if the authentication passes, an authorized transfer identifier sent by the second node is obtained. The safety coefficient in the transaction process can be improved.
According to the technical scheme, when the first node executes the order request, account information and order information of a target user are determined in response to the order request of the target user; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account; determining a historical transfer sum of the account of the target user over at least one historical period of time; determining the current transfer total according to each transfer amount; verifying the order information according to the total amount of each historical transfer and the total amount of the current transfer, and if the order information passes the verification, sending the account information to the second node so that the second node verifies the account information; and if the verification passing information of the account information sent by the second node is received, the order information is sent to the second node, so that the second node transfers the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information. By executing the scheme, the rapid business transaction of the digital RMB between enterprises and individuals can be realized, the enterprises can be assisted to enjoy the digital RMB settlement preferential policy, and the popularization of the digital RMB is facilitated.
Fig. 3 is a flowchart of a method for payment of digital rmb performed by a second node according to an embodiment of the present invention, where the embodiment may be applicable to a case where an enterprise account transfers digital rmb to a personal account or an enterprise account, the method may be performed by a payment device of digital rmb, the device may be implemented by software and/or hardware, and the device may be configured in an electronic device for payment of digital rmb. As shown in fig. 3, the technical solution provided by the embodiment of the present invention specifically includes:
and S310, receiving account information of a target user sent by the first node, and verifying the account information.
The account information comprises at least one of account name, account number, identity mark and transaction user password of the target user.
The description of this step is detailed in the above embodiments.
And S320, if the account information passes verification, generating verification passing information of the account information, and transmitting the verification passing information to the first node.
The second node can conduct consistency verification on the account information sent by the first node and the pre-stored account information, if the account information is verified, verification passing information of the account information is generated, and the verification passing information is sent to the first node.
S330, receiving order information sent by the first node, and transferring the digital RMB with the transferred amount from the account of the target user to the transfer account according to the order information.
Wherein the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer amount is associated with the transfer account.
The description of this step is detailed in the above embodiments.
In this embodiment, optionally, before transferring the digital RMB of the transfer-in amount from the account of the target user to the transfer-in account according to the order information, the method further includes determining a target balance in the account of the target user; determining whether the account of the target user meets the transfer condition according to the transfer amount and the target balance; according to the order information, transferring the digital RMB of the transferred amount from the account of the target user to a transfer account, including: and if the account of the target user meets the transfer condition, transferring the digital RMB with the transfer amount from the account of the target user to the transfer account according to the order information.
The method and the system can determine the balance of the digital RMB in the account of the target user, namely the target balance through the second node. And then determining whether the account of the target user can be transferred according to the transfer amount and the target balance, namely meeting the transfer condition. And if the account of the target user meets the transfer condition, transferring the digital RMB of the transfer-in amount from the account of the target user to the transfer-in account according to the order information. The problem of transfer failure caused by insufficient balance in the digital RMB account can be avoided.
In this embodiment, optionally, determining whether the account of the target user meets the transfer condition according to the transfer amount and the target balance includes: determining the current transfer total according to each transfer amount; and if the current transfer total amount is smaller than or equal to the target balance, determining that the account of the target user meets the transfer condition.
The method and the system can determine the current transfer total according to the sum of the transfer amounts in the order information, and if the current transfer total is smaller than or equal to the target balance in the digital RMB account of the enterprise user, the transfer operation can be performed, and the account of the target user is determined to meet the transfer condition. The problem of transfer failure caused by insufficient balance can be avoided.
According to the technical scheme provided by the embodiment of the invention, when the second node executes, the account information of the target user sent by the first node is received, and the account information is verified; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; if the account information is verified, verification passing information of the account information is generated, and the verification passing information is sent to the first node; receiving order information sent by a first node, and transferring the digital RMB of the transferred amount from the account of the target user to the transferred account according to the order information; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer amount is associated with the transfer account. By executing the technical scheme provided by the embodiment of the invention, the rapid business transaction of the digital RMB between enterprises and individuals can be realized, the enterprises can be assisted to enjoy the digital RMB settlement preferential policy, and the popularization of the digital RMB is facilitated.
Fig. 4 is a schematic diagram of a payment device for digital rmbs configured at a first node according to an embodiment of the invention. As shown in fig. 4, the apparatus includes:
an account information and order information determining module 410, configured to determine account information and order information of a target user in response to an order request of the target user; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account;
the order information verification module 420 is configured to verify the order information, and if the order information passes the verification, send the account information to a second node, so that the second node verifies the account information;
the order information sending module 430 is configured to send the order information to the second node if verification passing information of the account information sent by the second node is received, so that the second node transfers the digital rmb with the transfer-in amount from the account of the target user to the transfer-in account according to the order information.
Optionally, the order information verification module 420 includes a historical transfer total determining unit, configured to determine a historical transfer total of the account of the target user during at least one historical time period; the current transfer total determining unit is used for determining the current transfer total according to each transfer amount; and the order information verification unit is used for verifying the order information according to the historical transfer sum and the current transfer sum.
Optionally, the order information verification unit is specifically configured to determine an average historical transfer amount according to the total amount of each historical transfer; verifying the order information according to the average historical transfer amount and the current transfer total; the order information verification module 420 is specifically configured to verify the order information if it is determined that the absolute value of the difference between the average historical transfer amount and the current transfer total is smaller than a preset threshold.
Optionally, the device further includes a first processing information determining module, configured to process the account information by using an asymmetric encryption algorithm to obtain first processing information before sending the account information to the second node; the order information verification module 420 is specifically configured to send the first processing information to a second node, so that the second node decrypts the first processing information to obtain the account information, and verifies the account information.
Optionally, the device further includes a second processing information determining module, configured to process the order information by using the asymmetric encryption algorithm to obtain second processing information before sending the order information to the second node; the order information sending module 430 is specifically configured to send the second processing information to the second node, so that the second node decrypts the second processing information to obtain the order information, and transfer the digital rmb with the transfer-in amount from the account of the target user to the transfer-in account according to the order information.
Optionally, the apparatus further includes a bank certificate determining module, configured to determine a bank certificate associated with the target user before sending the account information to a second node, and send the bank certificate to the second node, so that the second node determines a session identifier according to the bank certificate; the order information verification module 420 is specifically configured to send the account information to the second node if the session identifier sent by the second node is received.
The payment device for the digital RMB provided by the embodiment of the invention can execute the payment method for the digital RMB executed by the first node provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Fig. 5 is a schematic diagram of a payment device for digital rmbs configured at a second node according to an embodiment of the invention. As shown in fig. 5, the apparatus includes:
the account information verification module 510 is configured to receive account information of a target user sent by the first node, and verify the account information; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user;
a verification passing information sending module 520, configured to generate verification passing information of the account information if the account information is verified to pass, and send the verification passing information to the first node;
the transfer module 530 is configured to receive order information sent by the first node, and transfer the digital rmb with the transferred amount from the account of the target user to the transfer account according to the order information; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer amount is associated with the transfer account.
Optionally, the device further comprises a transfer condition judging module, which is used for determining a target balance in the account of the target user before the digital RMB of the transfer-in amount is transferred from the account of the target user to the transfer-in account according to the order information; determining whether the account of the target user meets the transfer condition according to the transfer amount and the target balance; the transfer module 530 is specifically configured to transfer the digital rmb of the transfer amount from the account of the target user to the transfer account according to the order information if it is determined that the account of the target user meets the transfer condition.
Optionally, the transfer condition judging module is specifically configured to determine a current transfer total according to each transfer amount; and if the current transfer total amount is smaller than or equal to the target balance, determining that the account of the target user meets the transfer condition.
The payment device for the digital RMB provided by the embodiment of the invention can execute the payment method for the digital RMB executed by the second node provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Fig. 6 shows a schematic diagram of an electronic device 40 that may be used to implement an embodiment of the invention. Electronic devices are intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. Electronic equipment may also represent various forms of mobile devices, such as personal digital processing, cellular telephones, smartphones, wearable devices (e.g., helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be exemplary only, and are not meant to limit implementations of the inventions described and/or claimed herein.
As shown in fig. 6, the electronic device 40 includes at least one processor 41, and a memory communicatively connected to the at least one processor 41, such as a Read Only Memory (ROM) 42, a Random Access Memory (RAM) 43, etc., in which the memory stores a computer program executable by the at least one processor, and the processor 41 may perform various suitable actions and processes according to the computer program stored in the Read Only Memory (ROM) 42 or the computer program loaded from the storage unit 48 into the Random Access Memory (RAM) 43. In the RAM 43, various programs and data required for the operation of the electronic device 40 may also be stored. The processor 41, the ROM 42 and the RAM 43 are connected to each other via a bus 44. An input/output (I/O) interface 45 is also connected to bus 44.
Various components in electronic device 40 are connected to I/O interface 45, including: an input unit 46 such as a keyboard, a mouse, etc.; an output unit 47 such as various types of displays, speakers, and the like; a storage unit 48 such as a magnetic disk, an optical disk, or the like; and a communication unit 49 such as a network card, modem, wireless communication transceiver, etc. The communication unit 49 allows the electronic device 40 to exchange information/data with other devices via a computer network, such as the internet, and/or various telecommunication networks.
The processor 41 may be various general and/or special purpose processing components with processing and computing capabilities. Some examples of processor 41 include, but are not limited to, a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), various specialized Artificial Intelligence (AI) computing chips, various processors running machine learning model algorithms, digital Signal Processors (DSPs), and any suitable processor, controller, microcontroller, etc. The processor 41 performs the respective methods and processes described above, such as the payment method of digital rmb performed by the first node or the payment method of digital rmb performed by the second node.
In some embodiments, the method of payment of digital RMB may be implemented as a computer program tangibly embodied on a computer-readable storage medium, such as the storage unit 48. In some embodiments, part or all of the computer program may be loaded and/or installed onto the electronic device 40 via the ROM 42 and/or the communication unit 49. When the computer program is loaded into the RAM 43 and executed by the processor 41, one or more steps of the above-described payment method of digital rmb may be performed. Alternatively, in other embodiments, the processor 41 may be configured in any other suitable manner (e.g., by means of firmware) as a method of payment of digital RMB by the first node or as a method of payment of digital RMB by the second node.
Fig. 7 is a schematic structural diagram of a payment system for digital rmbs according to an embodiment of the present invention, where the payment system for digital rmbs and the payment method for digital rmbs according to the above embodiment belong to the same disclosure concept, and details of the system embodiment that are not described in detail may refer to those of the above embodiment. As shown in fig. 7, the system includes a first node 61 and a second node 62, the first node 61 and the second node 62 being configured in the electronic device 40;
a first node 61, configured to determine account information and order information of a target user in response to an order request of the target user; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account;
the first node 61 is further configured to verify the order information, and if the order information passes the verification, send the account information to the second node;
a second node 62, configured to verify the account information, generate verification passing information of the account information if the account information is verified, and send the verification passing information to the first node 61;
The first node 61 is further configured to send the order information to the second node 62 if the verification passing information is received;
the second node 62 is further configured to transfer the digital rmb of the transfer amount from the account of the target user to the transfer account according to the order information.
Various implementations of the systems and techniques described here above may be implemented in digital electronic circuitry, integrated circuit systems, field Programmable Gate Arrays (FPGAs), application Specific Integrated Circuits (ASICs), application Specific Standard Products (ASSPs), systems On Chip (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs, the one or more computer programs may be executed and/or interpreted on a programmable system including at least one programmable processor, which may be a special purpose or general-purpose programmable processor, that may receive data and instructions from, and transmit data and instructions to, a storage system, at least one input device, and at least one output device.
A computer program for carrying out methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the computer programs, when executed by the processor, cause the functions/acts specified in the flowchart and/or block diagram block or blocks to be implemented. The computer program may execute entirely on the machine, partly on the machine, as a stand-alone software package, partly on the machine and partly on a remote machine or entirely on the remote machine or server.
In the context of the present invention, a computer-readable storage medium may be a tangible medium that can contain, or store a computer program for use by or in connection with an instruction execution system, apparatus, or device. The computer readable storage medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. Alternatively, the computer readable storage medium may be a machine readable signal medium. More specific examples of a machine-readable storage medium would include an electrical connection based on 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.
To provide for interaction with a user, the systems and techniques described here can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) through which a user can provide input to the electronic device. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic input, speech input, or tactile input.
The systems and techniques described here can be implemented in a computing system that includes a background component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such background, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), wide Area Networks (WANs), blockchain networks, and the internet.
The computing system may include clients and servers. The client and server are typically remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The server can be a cloud server, also called a cloud computing server or a cloud host, and is a host product in a cloud computing service system, so that the defects of high management difficulty and weak service expansibility in the traditional physical hosts and VPS service are overcome.
It should be appreciated that various forms of the flows shown above may be used to reorder, add, or delete steps. For example, the steps described in the present invention may be performed in parallel, sequentially, or in a different order, so long as the desired results of the technical solution of the present invention are achieved, and the present invention is not limited herein.
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 (13)
1. A method of paying for digital rmb, performed by a first node, comprising:
determining account information and order information of a target user in response to an order request of the target user; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account;
verifying the order information, if the order information passes the verification, sending the account information to a second node so that the second node performs consistency verification on the account information and the pre-stored account information of the target user;
if verification passing information of the account information sent by the second node is received, the order information is sent to the second node, so that the second node transfers the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information;
wherein verifying the order information comprises:
determining a historical transfer amount for the account of the target user over at least one historical period of time;
Determining the current transfer total according to each transfer amount;
and verifying the order information according to the historical transfer sum and the current transfer sum.
2. The method of claim 1, wherein validating the order information based on each of the historical transfer totals and the current transfer totals comprises:
determining an average historical transfer amount according to the total amount of each historical transfer;
verifying the order information according to the average historical transfer amount and the current transfer total;
if the order information passes the verification, the method comprises the following steps:
and if the absolute value of the difference between the average historical transfer amount and the current transfer total amount is smaller than a preset threshold value, the order information is verified.
3. The method of claim 1, wherein prior to sending the account information to the second node, the method further comprises:
processing the account information by adopting an asymmetric encryption algorithm to obtain first processing information;
transmitting the account information to a second node, comprising:
and sending the first processing information to a second node so that the second node decrypts the first processing information to obtain the account information, and verifying the account information.
4. A method according to claim 3, wherein prior to sending the order information to the second node, the method further comprises:
processing the order information by adopting the asymmetric encryption algorithm to obtain second processing information;
transmitting the order information to the second node, comprising:
and sending the second processing information to the second node so that the second node decrypts the second processing information to obtain the order information, and transferring the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information.
5. The method of claim 1, prior to sending the account information to a second node, the method further comprising:
determining a bank certificate associated with the target user, and sending the bank certificate to the second node so that the second node determines a session identifier according to the bank certificate;
transmitting the account information to a second node, comprising:
and if the session identification sent by the second node is received, the account information is sent to the second node.
6. A method of paying for digital rmb, performed by a second node, comprising:
Receiving account information of a target user sent by a first node, and verifying the account information; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user;
if the account information passes verification, generating verification passing information of the account information, and sending the verification passing information to the first node;
receiving order information sent by the first node, and transferring the digital RMB with the transferred amount from the account of the target user to a transfer account according to the order information; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account;
wherein verifying the account information includes:
and carrying out consistency verification on the pre-stored account information of the target user and the account information sent by the first node.
7. The method of claim 6, wherein before transferring the transferred amount of digital rennet from the account of the target user to the transferred account according to the order information, the method further comprises:
determining a target balance in an account of the target user;
Determining whether the account of the target user meets the transfer condition according to the transfer amount and the target balance;
according to the order information, transferring the digital RMB of the transferred amount from the account of the target user to a transfer account, including:
and if the account of the target user meets the transfer condition, transferring the digital RMB with the transfer amount from the account of the target user to the transfer account according to the order information.
8. The method of claim 7, wherein determining whether the account of the target user meets transfer conditions based on the transfer amount and the target balance comprises:
determining the current transfer total according to each transfer amount;
and if the current transfer total amount is smaller than or equal to the target balance, determining that the account of the target user meets the transfer condition.
9. A payment device for digital rmb, configured at a first node, comprising:
the system comprises an account information and order information determining module, a storage module and a storage module, wherein the account information and order information determining module is used for determining account information and order information of a target user in response to an order request of the target user; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account;
The order information verification module is used for verifying the order information, and if the order information passes the verification, the account information is sent to a second node so that the second node can perform consistency verification on the account information and the pre-stored account information of the target user;
the order information sending module is used for sending the order information to the second node if verification passing information of the account information sent by the second node is received, so that the second node transfers the digital RMB with the transfer-in amount from the account of the target user to the transfer-in account according to the order information;
the order information verification module comprises a historical transfer sum determination unit, wherein the historical transfer sum determination unit is used for determining the historical transfer sum of the account of the target user in at least one historical time period;
the current transfer total determining unit is used for determining the current transfer total according to each transfer amount;
and the order information verification unit is used for verifying the order information according to the historical transfer sum and the current transfer sum.
10. A payment device for digital rmb, configured at a second node, comprising:
The account information verification module is used for receiving the account information of the target user sent by the first node and verifying the account information; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user;
the verification passing information sending module is used for generating verification passing information of the account information if the account information passes verification, and sending the verification passing information to the first node;
the transfer module is used for receiving order information sent by the first node, and transferring the digital RMB of the transfer amount from the account of the target user to the transfer account according to the order information; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account;
the account information verification module is specifically configured to perform consistency verification on pre-stored account information of a target user and the account information sent by the first node.
11. An electronic device, the electronic device comprising:
at least one processor; and
a memory communicatively coupled to the at least one processor; wherein,
The memory stores a computer program executable by the at least one processor to enable the at least one processor to implement a method of payment of a digital rmb as claimed in any one of claims 1 to 5 or a method of payment of a digital rmb as claimed in any one of claims 6 to 8.
12. A payment system for digital rmbs, comprising a first node and a second node, the first node and the second node configured in the electronic device of claim 11;
the first node is used for responding to an order request of a target user and determining account information and order information of the target user; the account information comprises at least one of account name, account number, identity mark and transaction user password of the target user; the order information comprises transfer type information, at least one transfer account and transfer amount; the transfer-in amount is associated with the transfer-in account;
the first node is further configured to verify the order information, and if the order information passes the verification, send the account information to a second node;
The second node is configured to verify the account information, generate verification passing information of the account information if the account information passes verification, and send the verification passing information to the first node;
the first node is further configured to send the order information to the second node if the verification passing information is received;
the second node is further used for transferring the digital RMB of the transferred amount from the account of the target user to the transferred account according to the order information;
the first node is specifically configured to determine a historical transfer sum of an account of the target user in at least one historical time period;
determining the current transfer total according to each transfer amount;
verifying the order information according to the historical transfer sum and the current transfer sum;
the second node is specifically configured to perform consistency verification on pre-stored account information of the target user and the account information sent by the first node.
13. A computer readable storage medium storing computer instructions for causing a processor to perform a method of payment of a digital rmb as claimed in any one of claims 1 to 5 or a method of payment of a digital rmb as claimed in any one of claims 6 to 8.
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