WO2023061285A1 - 基于数字货币子钱包的支付标记化方法、装置和系统 - Google Patents

基于数字货币子钱包的支付标记化方法、装置和系统 Download PDF

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Publication number
WO2023061285A1
WO2023061285A1 PCT/CN2022/124050 CN2022124050W WO2023061285A1 WO 2023061285 A1 WO2023061285 A1 WO 2023061285A1 CN 2022124050 W CN2022124050 W CN 2022124050W WO 2023061285 A1 WO2023061285 A1 WO 2023061285A1
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Prior art keywords
wallet
target
merchant
payment
sub
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PCT/CN2022/124050
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English (en)
French (fr)
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赵天武
江志华
许科峰
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中国人民银行数字货币研究所
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Publication of WO2023061285A1 publication Critical patent/WO2023061285A1/zh

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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
    • 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

Definitions

  • the present disclosure relates to the field of computer technology, and in particular to a digital currency sub-wallet-based payment tokenization method, device and system.
  • payment tokenization uses a unique payment token (associated with the payment account) for transaction verification, and the payment token is limited to a specific merchant and channel.
  • users initiate the process of applying for payment tokens on the merchant side when they generate consumption intentions or consumption needs. From the perspective of asset management, users cannot actively establish, adjust or cancel the payment token relationship from the wallet side.
  • the embodiments of the present disclosure provide a digital currency sub-wallet-based payment tokenization method, device and system.
  • a payment tokenization method based on a digital currency sub-wallet including:
  • the payment tokenization method of the embodiment of the present disclosure further includes:
  • the payment tokenization method of the embodiment of the present disclosure further includes:
  • the terminal After obtaining the user's digital wallet list and sending it to the terminal for display, in response to the user's operation of screening the target digital wallet from the digital wallet list, obtain the merchant list corresponding to the target digital wallet and send it to The terminal displays, so that the user selects one or more merchants from a list of merchants corresponding to the target digital wallet as the target merchant.
  • the payment tokenization method of the embodiment of the present disclosure further includes: after the user selects one or more merchants from the merchant list as the target merchants, acquiring the target The account information of the merchant, verifying the account information of the target merchant and confirming that the verification is passed.
  • acquiring account information of the target merchant includes:
  • verifying the account information of the target merchant includes: verifying whether the real name information of the target merchant is consistent with the communication information; if yes, pass the verification; otherwise, verify failed the test.
  • the token service provider after the token service provider generates the payment token corresponding to the digital currency sub-wallet, it pushes the payment token to the wallet organization system of the target digital wallet; the The wallet institution system of the target digital wallet pushes the payment token to the merchant institution system of the target merchant; the merchant institution system of the target merchant pushes the payment token to the merchant server system of the target merchant;
  • the merchant server system of the target merchant After the merchant server system of the target merchant receives the payment token, it returns a response message to the merchant institution system of the target merchant; the merchant institution system of the target merchant receives the return message from the merchant institution system of the target merchant After the response message, return the response message to the wallet organization system of the target digital wallet; after receiving the response message returned by the merchant organization system of the target merchant, the wallet organization system of the target digital wallet returns the response message to the marking service provider Returning a response message; after receiving the response message returned by the wallet mechanism system of the target digital wallet, the mark service provider generates the payment mark generation result;
  • the merchant server system of the target merchant pushes the payment token to the merchant terminal of the target merchant, so that the merchant terminal of the target merchant displays the message pushed by the merchant server system of the target merchant.
  • the payment tokenization method of the embodiment of the present disclosure further includes: before sending a sub-wallet opening request to the wallet institution system of the target digital wallet, confirming that there is no The digital currency sub-wallet corresponding to the wallet and the target merchant.
  • the payment token acquisition request includes: multiple consumption accounts of the user in the target merchant;
  • Sending a payment token generation request to the token service provider includes: respectively sending a payment token generation request corresponding to each of the consumption accounts to the token service provider, so that the token service provider generates a payment token corresponding to each of the consumption accounts respectively.
  • a payment token corresponding to the account includes: respectively sending a payment token generation request corresponding to each of the consumption accounts to the token service provider, so that the token service provider generates a payment token corresponding to each of the consumption accounts respectively.
  • a payment token corresponding to the account includes: respectively sending a payment token generation request corresponding to each of the consumption accounts to the token service provider, so that the token service provider generates a payment token corresponding to each of the consumption accounts respectively.
  • a payment token corresponding to the account includes: respectively sending a payment token generation request corresponding to each of the consumption accounts to the token service provider, so that the token service provider generates a payment token corresponding to each of the consumption accounts respectively.
  • the payment tokenization method of the embodiment of the present disclosure further includes:
  • the payment tokenization method in the embodiment of the present disclosure further includes: before receiving the limit modification request from the user, obtaining the current limit of the sub-wallet to be adjusted, and according to the The current limit of the sub-wallet generates a sub-wallet limit management page and sends it to the terminal for display, so that the user can set the target limit of the sub-wallet to be adjusted through operations on the sub-wallet management page.
  • the payment tokenization method of the embodiment of the present disclosure further includes: after generating a digital currency sub-wallet corresponding to the target digital wallet and the target merchant, responding to the user based on The payment request of the target sub-wallet, the payment request is verified to determine that the amount to be paid is less than or equal to the sub-wallet limit of the target sub-wallet.
  • the token service provider after receiving the payment token generation result returned by the token service provider, it further includes: acquiring the risk control level of the target digital wallet, and The consumption history data of the consumption account in the consumption account; according to the consumption history data of the consumption account and the risk control level, determine the payment limit of the payment mark corresponding to the consumption account.
  • a payment method based on a digital currency sub-wallet including:
  • the collection request including the payment mark and the collection amount of the digital currency sub-wallet corresponding to the target merchant of the user;
  • the payment token is generated according to the payment tokenization method provided in the first aspect of the embodiments of the present disclosure.
  • a digital currency sub-wallet-based payment tokenization device including:
  • the request parsing module parses out the target digital wallet, the target merchant and the wallet payment password corresponding to the target digital wallet from the user's payment token acquisition request;
  • the password verification module sends the wallet payment password to the wallet mechanism system of the target digital wallet, so that the wallet mechanism system of the target digital wallet can verify the wallet payment password, and receives the target digital wallet The verification result returned by the wallet organization system;
  • the sub-wallet opening module in the case of passing the verification, sends a sub-wallet opening request to the wallet mechanism system of the target digital wallet, so that the wallet mechanism system of the target digital wallet generates a sub-wallet with the target digital wallet and
  • the digital currency sub-wallet corresponding to the target merchant receives the sub-wallet opening result returned by the wallet institution of the target digital currency wallet;
  • the mark generation module in the case of successful opening of the wallet, sends a payment mark generation request to the mark service provider, so that the mark service provider generates a payment mark corresponding to the digital currency sub-wallet, and receives the mark service The payment token generation result returned by the provider.
  • a digital currency sub-wallet-based payment tokenization system including: a digital wallet system, a token service provider, and a wallet institution system; wherein,
  • the digital wallet system resolves the target digital wallet, the target merchant and the wallet payment password corresponding to the target digital wallet from the user's payment token acquisition request; sends the wallet payment password to the wallet organization of the target digital wallet system, so that the wallet organization system of the target digital wallet checks the wallet payment password;
  • the digital wallet system sends a sub-wallet opening request to the wallet organization system of the target digital wallet, and the wallet organization system of the target digital wallet generates a The digital currency sub-wallet corresponding to the merchant returns the sub-wallet opening result to the digital wallet system;
  • the digital wallet system determines that the wallet is opened successfully according to the wallet opening result, it sends a payment token generation request to the token service provider;
  • the token service provider generates a payment token corresponding to the digital currency sub-wallet, and then returns a payment token generation result to the digital wallet system.
  • a digital currency sub-wallet-based payment tokenization electronic device including:
  • processors one or more processors
  • the one or more processors are made to implement the method provided by the first aspect of the embodiments of the present disclosure.
  • a computer-readable medium on which a computer program is stored, and when the program is executed by a processor, the method provided in the first aspect of the embodiments of the present disclosure is implemented.
  • Fig. 1 is a schematic diagram of the main flow of the digital currency sub-wallet-based payment tokenization method according to an embodiment of the present disclosure
  • FIG. 1 and Figure 2b are schematic diagrams of the main flow of the digital currency sub-wallet-based payment tokenization method in one or more embodiments of the present disclosure
  • Fig. 3 is a schematic diagram of the main process of modifying the sub-wallet limit in one or more embodiments of the present disclosure
  • Fig. 4 is a schematic diagram of the main modules of the digital currency sub-wallet-based payment tokenization device according to an embodiment of the present disclosure
  • Fig. 5 is a schematic diagram of the main components of the digital currency sub-wallet-based payment tokenization system according to an embodiment of the present disclosure
  • FIG. 6 is an exemplary system architecture diagram to which embodiments of the present disclosure can be applied.
  • Fig. 7 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present disclosure.
  • a payment tokenization method based on a digital currency sub-wallet is provided.
  • Fig. 1 is a schematic diagram of the main flow of the digital currency sub-wallet-based payment tokenization method according to an embodiment of the present disclosure. As shown in Fig. 1, the digital currency sub-wallet-based payment tokenization method includes:
  • Step S101 analyzing the target digital wallet, the target merchant and the wallet payment password corresponding to the target digital wallet from the user's payment token acquisition request;
  • Step S102 sending the wallet payment password to the wallet mechanism system of the target digital wallet, so that the wallet mechanism system of the target digital wallet can verify the wallet payment password, and receive the wallet of the target digital wallet The verification result returned by the institutional system;
  • Step S103 if the verification is passed, send a sub-wallet opening request to the wallet mechanism system of the target digital wallet, so that the wallet mechanism system of the target digital wallet generates a sub-wallet with the target digital wallet and the target
  • the digital currency sub-wallet corresponding to the merchant receives the sub-wallet opening result returned by the wallet institution of the target digital currency wallet;
  • Step S104 when the wallet is successfully opened, send a payment token generation request to the token service provider, so that the token service provider generates a payment token corresponding to the digital currency sub-wallet, and receives the token service provider The payment token returned by the party generates the result.
  • Digital wallets refer to digital currency wallets
  • wallet institution systems refer to computer systems that provide related services for digital currency wallets, such as the computer systems of digital currency operating institutions authorized by digital currency issuers.
  • a token service provider refers to an organization that provides tokenization services, such as TSP (Token Service Provider).
  • TSP Token Service Provider
  • the merchant refers to the party that provides commodity sales services through electronic transactions
  • the merchant account refers to the account information of the merchant, such as mobile phone number, bank card number, digital currency wallet account number, etc.
  • the merchant institution system refers to the computer system of an institution that provides digital currency-related services to merchants, such as the computer system of a digital currency operating institution authorized by a digital currency issuer.
  • Merchant system refers to the computer system that provides background service support for merchants.
  • seller a sells electronic products on e-commerce platform A, and its digital currency account is a digital currency account opened at Bank B.
  • the e-commerce platform A is the merchant
  • the backend service support for the e-commerce platform A is the merchant system
  • the computer system of Bank B that provides related services for the digital currency wallet is the merchant institution system.
  • the embodiment of the present disclosure is based on digital currency, and the payment token is used to replace the account number of the user's digital currency wallet for transaction authentication.
  • the payment mark is usually Token (token).
  • Token Token
  • other marks can also be used as the payment mark, as long as the mark is unique and can meet the transaction security requirements. Not specifically limited.
  • the embodiments of the present disclosure use low-sensitivity payment tokens instead of sensitive real account information, which can reduce the chances of each participant in the payment link to access real account information, reduce transaction risks caused by leakage of real account information, and do not affect transaction processing. Under the circumstances, the security of the transaction is enhanced.
  • a real account information can generate multiple payment tokens and assign them to different scenarios.
  • each payment token can be set with a different validity period, so that users can manage the life cycle of payment tokens.
  • the payment tokenization technology has a domain control function, which can set personalized domain control attributes when each payment token is generated or through the later management interface, including but not limited to transaction channel restrictions, transaction limit settings, whether to allow cross-border transactions, etc.
  • the wallet institution system to which the digital currency wallet belongs can set domain control attributes for the payment token in a specific scenario according to the characteristics of the transaction scenario, so as to further reduce the payment risk.
  • the method of the embodiment of the present disclosure is usually applied to the digital currency wallet server.
  • the user can initiate a payment tokenization request on the digital currency wallet terminal, and actively select different merchants to establish a tokenized payment relationship from the perspective of payment wallet asset management (that is, digital currency wallet corresponding The associated relationship between the digital currency sub-wallet and the corresponding merchant) and the centralized management of the tokenized payment relationship.
  • the method of the embodiment of the present disclosure realizes the pre-establishment of tokenized relationship before consumption, and realizes the batch relationship of contracted merchants. For example, one-click payment tokenized service is activated for all merchants under the same group, which greatly increases the convenience for users to use tokenized payment. sex.
  • the user's merchant list is obtained from the token service provider and sent to the terminal for display, so that the user can filter one or more merchants from the merchant list Merchant as the target merchant.
  • a merchant listing refers to a list of one or more merchants.
  • the merchant list may include all merchants supported by the wallet organization system, or only include merchants in which the user has a consumption account.
  • the user has consumption accounts on the e-commerce platforms A, B, and C respectively, and the list of merchants including the e-commerce platforms A, B, and C can be displayed to the user, and the user selects one or more of them as target merchants.
  • the merchants in which the user does not have a consumption account, or the merchants in which the user has opened the payment tokenization service can also be removed in order to facilitate user screening and viewing.
  • the merchant list can be sorted and returned according to certain rules, for example, according to the purpose of the merchants, the merchants can be divided into transportation, shopping, education and learning, social networking, financial planning and other types of merchants.
  • the user's digital wallet list before receiving the user's payment token acquisition request, can be obtained and sent to the terminal for display, so that the user can filter the target digital wallet from the digital wallet list.
  • the digital wallet list refers to the list formed by some or all digital currency wallets of the user. By displaying the list of digital currency wallets to the user, it is convenient for the user to independently select the digital currency wallet account that needs to establish a payment token.
  • this embodiment can display various merchants supported by the target digital wallet for the user, and filter out merchants not supported by the target digital wallet.
  • the user can choose a target digital wallet to establish a tokenized payment relationship with one or more target merchants, or select multiple target digital wallets to establish a tokenized payment relationship with one or more target merchants.
  • the target digital wallet can establish a payment tokenization relationship with one consumer account of the user at the target merchant, or establish a payment tokenization relationship with multiple consumer accounts of the user at the target merchant .
  • the user's consumption account at the target merchant may refer to the consumption account opened by the user himself at the target merchant, or it may refer to other accounts (such as the user's spouse, parents, children, friends, etc.) that have a specific relationship with the user (such as the user's spouse, parents, children, friends, etc.)
  • the consumption account established by the user, or the consumption account specified by the user in the target merchant (such as the consumption account entered by the user when selecting the target merchant).
  • the embodiment of the present disclosure can realize that the payment ability of a digital wallet can be shared with the consumption accounts of multiple merchants, and can also be applied in scenarios such as "one digital wallet for family consumption", and the one-to-many combination relationship has the “smart contract” in the consumption field. "The implementation basis has strong scalability.
  • step S102 verify the user's wallet payment password, which is used to verify the user's identity.
  • the wallet payment password can be sent in plain text or in cipher text to ensure transaction security.
  • the payment tokenization method of the embodiment of the present disclosure further includes: before receiving the user's wallet payment password, obtaining the account information of the target merchant, verifying the account information of the target merchant and Confirm that the verification is passed.
  • the account information of the target merchant may be, for example, the account name of the target merchant, a bound mobile phone number, real name information, and the like.
  • the content of verifying the account information of the target merchant can be selectively set according to the actual situation, such as verifying whether the account information of the target merchant is consistent (such as whether the real name information of the target merchant is consistent with the mobile phone number and other communication information), Whether the account of the target merchant is abnormal (such as whether it has been blocked or frozen).
  • verifying the account information of the target merchant the validity of the target merchant can be ensured before opening a digital currency sub-wallet. On the one hand, it can avoid failures due to abnormal account numbers of the target merchant or mismatches between the account numbers of the target merchant and the target merchant.
  • the situation of establishing a tokenized payment relationship occurs, and on the other hand, it can avoid the consumption of system resources caused by continuing to request the establishment of a digital currency sub-wallet when the above situation occurs.
  • the verification result can be performed by the merchant institution system to which the target merchant belongs, and the digital wallet system can directly obtain the verification result from the merchant institution system to which the target merchant belongs, or can be obtained by the digital wallet system from the merchant institution system to which the target merchant belongs The account information of the target merchant is verified according to the obtained information.
  • the digital wallet system can directly obtain the account information of the target merchant from the merchant organization system to which the target merchant belongs, or can obtain the account information of the target merchant from the local storage device.
  • the step of obtaining the account information of the target merchant includes: judging whether the account information of the target merchant exists in the local storage device; if so, obtaining the account information of the target merchant from the local storage device; The system acquires the account information of the target merchant, and stores the acquired account information of the target merchant into the local storage device.
  • the frequency of access to the system of the merchant organization to which the target merchant belongs can be reduced, thereby reducing the consumption of network resources.
  • the token service provider can respectively push the payment token to the digital wallet system, the wallet organization system of the target digital wallet, the merchant organization system of the target merchant, and the target Merchant etc.
  • the token service provider after the token service provider generates the payment token corresponding to the digital currency sub-wallet, it pushes the payment token to the wallet mechanism system of the target digital wallet; the wallet mechanism system of the target digital wallet sends the payment token Push to the merchant institution system of the target merchant; the merchant institution system of the target merchant pushes the payment token to the merchant server system of the target merchant; after receiving the payment token, the merchant server system of the target merchant returns a response to the merchant institution system of the target merchant message; after receiving the reply message returned by the merchant institution system of the target merchant, the merchant organization system of the target merchant returns a response message to the wallet institution system of the target digital wallet; After receiving the response message from the token service provider, the token service provider generates a payment token generation result after receiving the response message returned by the wallet organization system of the target digital wallet.
  • the target merchant and its affiliated merchant organization system and digital wallet system usually belong to different computer systems.
  • the merchant organization system of the target merchant pushes the payment token to the target merchant, which can reduce the difficulty of cross-system communication and facilitate implementation.
  • the merchant organization system of the target merchant can push the payment token to the target merchant according to the actual situation.
  • the merchant server system of the target merchant pushes the payment token to the merchant terminal of the target merchant, so that the merchant terminal of the target merchant Show the message pushed by the merchant server system of the target merchant.
  • the merchant server system of the target merchant can use push information to push the payment token to the merchant terminal of the target merchant.
  • the push information is also called service information or push information, and it is a short message in a special format.
  • Push message is a message push method that can directly reach users, with low cost and various styles.
  • the target digital wallet can establish a payment tokenization relationship with multiple consumer accounts of the user at the target merchant.
  • a digital currency sub-account corresponding to all consumption accounts in the corresponding target merchants can be established in the target digital wallet.
  • Wallet that is, all consumer accounts in the target merchant share a digital currency sub-wallet.
  • it is confirmed that there is no digital currency sub-wallet corresponding to the target digital wallet and the target merchant. In this way, it can be guaranteed that a target digital wallet has only one digital currency sub-wallet in a target merchant, which is convenient for users to manage.
  • a digital currency corresponding to each consumer account in the corresponding target merchant is established in the target digital wallet Sub-wallets, that is, one consumer account corresponds to one digital currency sub-wallet.
  • the payment token acquisition request includes multiple consumption accounts of the user in the target merchant
  • sending the payment token generation request to the token service provider includes: respectively sending a payment token generation request corresponding to each consumption account to the token service provider, so that the token service provider respectively generates a payment token corresponding to each of the consumption accounts.
  • Fig. 2a is a schematic diagram of the main flow of the digital currency sub-wallet-based payment tokenization method in one or more embodiments of the present disclosure.
  • the execution subject for executing the payment tokenization method of the embodiment of the present disclosure is a digital wallet system.
  • the main process of the payment tokenization method based on the digital currency sub-wallet includes:
  • the digital wallet terminal (hereinafter referred to as App) requests the digital wallet system through the interface to query the list of merchants that can be pushed.
  • the digital wallet system queries the TSP for a list of merchants that can be pushed.
  • TSP sorts and sorts the pushable merchant list according to certain rules and returns it to the digital wallet system.
  • the digital wallet system sorts and sorts the list of pushable merchants according to certain rules and returns them to the App.
  • the user selects the merchants and wallets that can be pushed on the App.
  • the user can select multiple merchants to push in batches, or select multiple consumer accounts of the same merchant to push.
  • the App queries the digital wallet system for the merchant's account information.
  • the digital wallet system queries the basic configuration information of the merchant from the local storage device or the merchant organization system.
  • the digital wallet system returns the queried merchant's basic configuration information to the App.
  • the user requests the digital wallet system through the App to query the merchant account and the consistency of the merchant account information.
  • the digital wallet system queries the basic configuration information of the merchant from the local storage device or the merchant organization system.
  • the digital wallet system queries the merchant account information from the merchant organization system.
  • the merchant organization system queries the merchant account information from the merchant system.
  • the merchant system returns the merchant account information to the merchant organization system.
  • the merchant organization system returns the merchant account information to the digital wallet system.
  • the digital wallet system requests the wallet organization system to judge the consistency between the merchant's real name information and the mobile phone number.
  • the wallet organization system returns the judgment result to the digital wallet system.
  • the digital wallet system returns the judgment result to the App.
  • the App sends the ciphertext of the input wallet payment password to the digital wallet system, and sends a sub-wallet push request.
  • the digital wallet system verifies the associated code (such as dynamic verification code, etc.) when the App sends a sub-wallet push request.
  • the digital wallet system requests the wallet organization system to verify the payment password entered by the user.
  • the wallet organization system returns the verification result to the digital wallet system.
  • the digital wallet system sends a sub-wallet opening request to the wallet institution system.
  • the wallet organization system opens the digital currency sub-wallet, it returns the sub-wallet information to the digital wallet system.
  • the digital wallet system sends a Token request corresponding to the sub-wallet information to the TSP to request the TSP to generate a payment mark Token for the digital currency sub-wallet.
  • the TSP After the TSP generates the Token, it pushes the Token to the merchant.
  • the Token will be sent to the wallet organization system, the merchant organization system, and the merchant system synchronously.
  • the merchant system will push the Token to the merchant terminal through push information, and the merchant terminal will display the push information to the merchant. .
  • the merchant organization system pushes the Token to the merchant system, it receives the push result information returned by the merchant system.
  • the merchant institution system returns the push result information to the wallet institution system, and the wallet institution system returns the push result information to the TSP.
  • TSP returns the push result information to the digital wallet system.
  • the digital wallet system returns the push result information to the App, prompting the user to complete the sub-wallet binding push.
  • the process of pushing the sub-wallet to the merchant can also be called the process of authorizing the quick payment to the merchant, and the merchant that can be pushed can also be called the quick payment authorized merchant, as shown in Figure 2b, which is used to implement the implementation of the present disclosure.
  • the main process of the payment tokenization method based on the digital currency sub-wallet includes:
  • the digital wallet terminal (hereinafter referred to as App) requests the digital wallet system through the interface to query the list of authorized merchants that can pay quickly.
  • the digital wallet system queries the TSP for a list of authorized merchants that can pay quickly.
  • TSP sorts and classifies the list of fast payment authorized merchants according to certain rules and returns them to the digital wallet system.
  • the digital wallet system sorts and sorts the list of authorized merchants who can pay quickly to the App.
  • the user selects merchants and wallets that can be authorized by fast payment on the App.
  • the user can select multiple merchants for batch fast payment authorization, or select multiple consumer accounts of the same merchant for fast payment authorization.
  • the App queries the digital wallet system for the merchant's account information.
  • the digital wallet system queries the basic configuration information of the merchant from the local storage device or the merchant organization system.
  • the digital wallet system returns the queried merchant's basic configuration information to the App.
  • the user requests the digital wallet system through the App to query the merchant account and the consistency of the merchant account information.
  • the digital wallet system queries the basic configuration information of the merchant from the local storage device or the merchant organization system.
  • the digital wallet system queries the merchant account information from the merchant organization system.
  • the merchant organization system queries the merchant account information from the merchant system.
  • the merchant system returns the merchant account information to the merchant organization system.
  • the merchant organization system returns the merchant account information to the digital wallet system.
  • the digital wallet system requests the wallet organization system to judge the consistency between the merchant's real name information and the mobile phone number.
  • the wallet organization system returns the judgment result to the digital wallet system.
  • the digital wallet system returns the judgment result to the App.
  • the App will send the ciphertext of the input wallet payment password to the digital wallet system, and issue a quick payment authorization request.
  • the digital wallet system verifies the associated code (such as a dynamic verification code, etc.) when the app issues a fast payment authorization.
  • the digital wallet system requests the wallet organization system to verify the payment password entered by the user.
  • the wallet organization system returns the verification result to the digital wallet system.
  • the digital wallet system sends a sub-wallet opening request to the wallet institution system.
  • the wallet organization system opens the digital currency sub-wallet, it returns the sub-wallet information to the digital wallet system.
  • the digital wallet system sends a Token request corresponding to the sub-wallet information to the TSP to request the TSP to generate a payment mark Token for the digital currency sub-wallet.
  • the TSP After the TSP generates the Token, it pushes the Token to the merchant.
  • the Token will be sent to the wallet organization system, the merchant organization system, and the merchant system synchronously.
  • the merchant system will push the Token to the merchant terminal through the push information, and the merchant terminal will display the quick payment authorization information.
  • the merchant organization system pushes the Token to the merchant system, it receives the quick payment authorization result information returned by the merchant system.
  • the merchant institution system returns the quick payment authorization result information to the wallet institution system, and the wallet institution system returns the quick payment authorization result information to the TSP.
  • TSP returns the fast payment authorization result information to the digital wallet system.
  • the digital wallet system returns the quick payment authorization result information to the App, prompting the user to complete the quick payment authorization.
  • the payment request can be checked to determine that the amount to be paid is less than or equal to the target sub-wallet.
  • Wallet limit so as to facilitate diversified management of the consumption limit of each digital currency sub-wallet.
  • the sub-wallet limit of the sub-wallet to be queried can also be obtained in response to the user's limit query request for the sub-wallet to be queried and Send to the terminal for display; or, after generating the sub-wallet corresponding to the target digital wallet and the target merchant, receive the limit modification request from the user, analyze the sub-wallet to be adjusted and its target limit from the limit modification request, and set The sub-wallet to be adjusted and its target limit are sent to the wallet institution system corresponding to the sub-wallet to be adjusted, so that the wallet institution system corresponding to the sub-wallet to be adjusted adjusts the sub-wallet limit of the sub-wallet to be adjusted to the target limit.
  • Fig. 3 is a schematic diagram of the main process of modifying the sub-wallet limit in one or more embodiments of the present disclosure.
  • the sub-wallet limit management process includes:
  • the user queries the digital wallet system for sub-wallet details through the digital wallet terminal.
  • the digital wallet system queries the wallet organization system for details of the sub-wallets.
  • the wallet organization system returns the sub-wallet details to the digital wallet system.
  • the digital wallet system returns the sub-wallet details to the digital wallet terminal.
  • the user enters a sub-wallet management page through the digital wallet terminal.
  • the user can adjust the limit of the sub-wallet by dragging the page. Quota includes daily limit and single transaction limit. Users can also perform differentiated limit management on multiple Tokens under the same digital currency sub-wallet. The user sends a sub-wallet limit modification request to the digital wallet system through the digital wallet terminal.
  • the digital wallet system sends a sub-wallet limit modification request to the wallet institution system.
  • the wallet organization system modifies the limit of the corresponding digital currency sub-wallet according to the sub-wallet limit modification request, and then returns the result information to the digital wallet system.
  • the system of the wallet operator can adjust the limit of the digital currency sub-wallet for this merchant to the latest value set by the user after verifying the payment password entered by the user.
  • the digital wallet server returns the result information to the digital wallet terminal.
  • the mark service provider After receiving the payment mark generation result returned by the mark service provider, it may also include: obtaining the risk control level of the target digital wallet and the consumption history data of the user's consumption account in the target merchant; according to The consumption history data of the consumption account (such as purchase record, shopping cart record, browsing record, attention record, etc.) and the risk control level determine the payment limit of the payment mark corresponding to the consumption account.
  • the consumption history data of the consumption account such as purchase record, shopping cart record, browsing record, attention record, etc.
  • the risk control level determine the payment limit of the payment mark corresponding to the consumption account.
  • users can open any of the five types of wallet accounts according to their own needs. The user information required to open each type of wallet account is different, and the corresponding permissions are different, that is, the risk control level is different.
  • the method of the embodiment of the present disclosure can realize more refined limit management, and can target the consumption history data of different consumption accounts, combined with the risk control level of the corresponding digital wallet, for different
  • the payment token relationship sets different payment limits, which improves the security of tokenized payment.
  • a payment method based on a digital currency sub-wallet including:
  • the collection request including the payment mark and the collection amount of the digital currency sub-wallet corresponding to the target merchant of the user;
  • the payment token is generated according to the payment tokenization method provided in the first aspect of the embodiments of the present disclosure.
  • the merchant system finds the Token corresponding to the user, and then sends the Token to the merchant organization for payment.
  • the merchant institution system finds the wallet institution system of the digital wallet corresponding to the Token according to the records, and sends a collection request message.
  • the wallet organization system After the wallet organization system receives the payment request message, it will pay to the merchant wallet provided in the payment request message. The merchant organization system returns the payment result to the merchant server.
  • the merchant system prompts the user or the target merchant to pay successfully.
  • an apparatus for implementing the foregoing method is provided.
  • Fig. 4 is a schematic diagram of the main modules of the digital currency sub-wallet-based payment tokenization device according to an embodiment of the present disclosure.
  • the payment tokenization device 400 based on the digital currency sub-wallet includes:
  • the request parsing module 401 parses out the target digital wallet, the target merchant and the wallet payment password corresponding to the target digital wallet from the user's payment token acquisition request;
  • Password verification module 402 sending the wallet payment password to the wallet mechanism system of the target digital wallet, so that the wallet mechanism system of the target digital wallet can verify the wallet payment password and receive the target digital wallet The verification result returned by the wallet institution system of the wallet;
  • the sub-wallet opening module 403 in the case of passing the verification, sends a sub-wallet opening request to the wallet mechanism system of the target digital wallet, so that the wallet mechanism system of the target digital wallet generates a sub-wallet with the target digital wallet
  • the digital currency sub-wallet corresponding to the target merchant receives the sub-wallet opening result returned by the wallet institution of the target digital currency wallet;
  • the token generation module 404 when the wallet is successfully opened, sends a payment token generation request to the token service provider, so that the token service provider generates a payment token corresponding to the digital currency sub-wallet, and receives the token The payment token generation result returned by the service provider.
  • the request parsing module is further configured to: before receiving the user's payment token acquisition request, obtain the user's merchant list from the token service provider and send it to the terminal for display so that the user selects one or more merchants from the merchant list as the target merchant; or, before receiving the user's payment token acquisition request, obtain the user's digital wallet list and send it to the terminal for display , so that the user filters the target digital wallet from the digital wallet list.
  • the request parsing module is further configured to: after acquiring the user's digital wallet list and sending it to the terminal for display, in response to the user filtering the digital wallet list from the digital wallet list
  • the operation of the target digital wallet is to obtain the merchant list corresponding to the target digital wallet and send it to the terminal for display, so that the user can select one or more merchants from the merchant list corresponding to the target digital wallet as the target merchant.
  • the password verification module is further configured to: after the user selects one or more merchants from the merchant list as the target merchant, obtain the target merchant's Account information, verifying the account information of the target merchant and confirming that the verification is passed.
  • the password verification module acquires account information of the target merchant, including:
  • the password verification module verifies the account information of the target merchant, including: verifying whether the real name information of the target merchant is consistent with the communication information; The verification is passed; otherwise, the verification fails.
  • the token service provider after the token service provider generates the payment token corresponding to the digital currency sub-wallet, it pushes the payment token to the wallet institution system of the target digital wallet; the The wallet institution system of the target digital wallet pushes the payment token to the merchant institution system of the target merchant; the merchant institution system of the target merchant pushes the payment token to the merchant server system of the target merchant;
  • the merchant server system of the target merchant After the merchant server system of the target merchant receives the payment token, it returns a response message to the merchant institution system of the target merchant; the merchant institution system of the target merchant receives the return message from the merchant institution system of the target merchant After the response message, return the response message to the wallet organization system of the target digital wallet; after receiving the response message returned by the merchant organization system of the target merchant, the wallet organization system of the target digital wallet sends a response message to the marking service provider Returning a response message; after receiving the response message returned by the wallet mechanism system of the target digital wallet, the mark service provider generates the payment mark generation result;
  • the merchant server system of the target merchant uses push information to push the payment token to the merchant terminal of the target merchant, so that the merchant terminal of the target merchant displays the information pushed by the merchant server system of the target merchant. information.
  • the sub-wallet opening module is further configured to: before sending a sub-wallet opening request to the wallet mechanism system of the target digital wallet, confirm that there is no A digital currency sub-wallet corresponding to the target merchant.
  • the payment token acquisition request includes: multiple consumption accounts of the user in the target merchant;
  • the token generation module sends a payment token generation request to the token service provider, including: respectively sending a payment token generation request corresponding to each of the consumption accounts to the token service provider, so that the token service provider generates a payment token corresponding to the payment token respectively.
  • a payment token corresponding to each consumption account is a payment token generation request to the token service provider.
  • the device of the embodiments of the present disclosure further includes a quota management module, configured to:
  • the limit management module is further configured to: before receiving the limit modification request from the user, obtain the current limit of the sub-wallet to be adjusted, according to the limit of the sub-wallet to be adjusted The current limit generates a sub-wallet limit management page and sends it to the terminal for display, so that the user can set the target limit of the digital currency sub-wallet to be adjusted through operations on the sub-wallet management page.
  • the device of the embodiment of the present disclosure further includes a payment management module, configured to: after generating a digital currency sub-wallet corresponding to the target digital wallet and the target merchant, respond to the The user checks the payment request based on the payment request of the target sub-wallet to determine that the amount to be paid is less than or equal to the sub-wallet limit of the target sub-wallet.
  • a payment management module configured to: after generating a digital currency sub-wallet corresponding to the target digital wallet and the target merchant, respond to the The user checks the payment request based on the payment request of the target sub-wallet to determine that the amount to be paid is less than or equal to the sub-wallet limit of the target sub-wallet.
  • the device of the embodiment of the present disclosure further includes a quota management module, configured to: obtain the credit limit of the target digital wallet after receiving the payment token generation result returned by the token service provider. According to the consumption history data of the consumption account and the risk control level, determine the payment limit of the payment mark corresponding to the consumption account .
  • Fig. 5 is a schematic diagram of the main components of the digital currency sub-wallet-based payment tokenization system according to an embodiment of the present disclosure.
  • the digital currency sub-wallet-based payment tokenization system 500 includes: a digital wallet system 501, a token service provider 502, and a wallet organization system 503; wherein,
  • the digital wallet system 501 resolves the target digital wallet, the target merchant and the wallet payment password corresponding to the target digital wallet from the user's payment token acquisition request; sends the wallet payment password to the wallet organization system of the target digital wallet 503, so that the wallet mechanism system 503 of the target digital wallet checks the wallet payment password;
  • the digital wallet system 501 sends a sub-wallet opening request to the wallet mechanism system 503 of the target digital wallet, and the wallet mechanism system 503 of the target digital wallet generates a The digital currency sub-wallet corresponding to the target merchant returns the sub-wallet opening result to the digital wallet system 501;
  • the digital wallet system 501 determines that the wallet is opened successfully according to the wallet opening result, it sends a payment token generation request to the token service provider 502;
  • the token service provider 502 generates a payment token corresponding to the digital currency sub-wallet, and then returns the payment token generation result to the digital wallet system 501 .
  • the digital wallet system is also used for:
  • the digital wallet system is also used for:
  • the terminal After obtaining the user's digital wallet list and sending it to the terminal for display, in response to the user's operation of screening the target digital wallet from the digital wallet list, obtain the merchant list corresponding to the target digital wallet and send it to The terminal displays, so that the user selects one or more merchants from a list of merchants corresponding to the target digital wallet as the target merchant.
  • the digital wallet system is further configured to: obtain the account number of the target merchant after the user selects one or more merchants from the merchant list as the target merchant information, verifying the account information of the target merchant and confirming that the verification is passed.
  • the digital wallet system acquires account information of the target merchant, including:
  • the digital wallet system verifies the account information of the target merchant, including: verifying whether the real name information of the target merchant is consistent with the communication information; if so, verifying Pass; otherwise, the verification fails.
  • the token service provider after the token service provider generates the payment token corresponding to the digital currency sub-wallet, it pushes the payment token to the wallet institution system of the target digital wallet; the The wallet institution system of the target digital wallet pushes the payment token to the merchant institution system of the target merchant; the merchant institution system of the target merchant pushes the payment token to the merchant server system of the target merchant;
  • the merchant server system of the target merchant After the merchant server system of the target merchant receives the payment token, it returns a response message to the merchant institution system of the target merchant; the merchant institution system of the target merchant receives the return message from the merchant institution system of the target merchant After the response message, return the response message to the wallet organization system of the target digital wallet; after receiving the response message returned by the merchant organization system of the target merchant, the wallet organization system of the target digital wallet returns the response message to the marking service provider Returning a response message; after receiving the response message returned by the wallet mechanism system of the target digital wallet, the mark service provider generates the payment mark generation result;
  • the merchant server system of the target merchant pushes the payment token to the merchant terminal of the target merchant, so that the merchant terminal of the target merchant displays the message pushed by the merchant server system of the target merchant.
  • the digital wallet system is further configured to: before sending a sub-wallet opening request to the wallet mechanism system of the target digital wallet, confirm that there is no The digital currency sub-wallet corresponding to the above-mentioned target merchant.
  • the payment token acquisition request includes: multiple consumption accounts of the user in the target merchant;
  • the digital wallet system sends a payment token generation request to the token service provider, including: respectively sending a payment token generation request corresponding to each of the consumption accounts to the token service provider, so that the token service provider generates a payment token corresponding to the token service provider respectively.
  • a payment token corresponding to each consumption account is not limited to: a payment token generation request corresponding to each of the consumption accounts to the token service provider, so that the token service provider generates a payment token corresponding to the token service provider respectively.
  • a payment token corresponding to each consumption account including: respectively sending a payment token generation request corresponding to each of the consumption accounts to the token service provider, so that the token service provider generates a payment token corresponding to the token service provider respectively.
  • the digital wallet system is also used for:
  • the digital wallet system is further configured to: before receiving the limit modification request from the user, obtain the current limit of the sub-wallet to be adjusted, and obtain the current limit of the sub-wallet to be adjusted according to the The current limit generates a sub-wallet limit management page and sends it to the terminal for display, so that the user can set the target limit of the sub-wallet to be adjusted through operations on the sub-wallet management page.
  • the digital wallet system is further configured to: after generating a digital currency sub-wallet corresponding to the target digital wallet and the target merchant, in response to the user check the payment request to determine that the amount to be paid is less than or equal to the sub-wallet limit of the target sub-wallet.
  • the digital wallet system is further configured to: obtain the risk control level of the target digital wallet, and the The consumption history data of the user's consumption account in the target merchant; according to the consumption history data of the consumption account and the risk control level, determine the payment limit of the payment mark corresponding to the consumption account.
  • a digital currency sub-wallet-based payment tokenization electronic device including:
  • processors one or more processors
  • the one or more processors are made to implement the method provided by the first aspect of the embodiments of the present disclosure.
  • a computer-readable medium on which a computer program is stored, and when the program is executed by a processor, the method provided in the first aspect of the embodiments of the present disclosure is implemented.
  • Fig. 6 shows an exemplary system architecture 600 to which the digital currency sub-wallet-based payment tokenization method or the digital currency sub-wallet-based payment tokenization apparatus according to the embodiments of the present disclosure can be applied.
  • a system architecture 600 may include terminal devices 601 , 602 , and 603 , a network 604 and a server 605 .
  • the network 604 is used as a medium for providing communication links between the terminal devices 601 , 602 , 603 and the server 605 .
  • Network 604 may include various connection types, such as wires, wireless communication links, or fiber optic cables, among others.
  • terminal devices 601 , 602 , 603 Users can use terminal devices 601 , 602 , 603 to interact with server 605 via network 604 to receive or send messages and the like.
  • Various communication client applications can be installed on the terminal devices 601, 602, 603, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (just for example).
  • the terminal devices 601, 602, 603 may be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers and the like.
  • the server 605 may be a server that provides various services, such as a background management server that provides support for shopping websites browsed by users using the terminal devices 601 , 602 , 603 (just an example).
  • the background management server can analyze and process the received data such as product information query requests, and feed back the processing results (such as target push information, product information—just an example) to the terminal device.
  • the payment tokenization method based on the digital currency sub-wallet provided by the embodiment of the present disclosure is generally executed by the server 605 , and correspondingly, the payment tokenization device based on the digital currency sub-wallet is generally set in the server 605 .
  • terminal devices, networks and servers in FIG. 6 are only illustrative. According to the implementation needs, there can be any number of terminal devices, networks and servers.
  • FIG. 7 shows a schematic structural diagram of a computer system 700 suitable for implementing a terminal device according to an embodiment of the present disclosure.
  • the terminal device shown in FIG. 7 is only an example, and should not limit the functions and scope of use of this embodiment of the present disclosure.
  • a computer system 700 includes a central processing unit (CPU) 701 that can be programmed according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage section 708 into a random access memory (RAM) 703 Instead, various appropriate actions and processes are performed.
  • ROM read-only memory
  • RAM random access memory
  • various programs and data required for the operation of the system 700 are also stored.
  • the CPU 701, ROM 702, and RAM 703 are connected to each other via a bus 704.
  • An input/output (I/O) interface 705 is also connected to the bus 704 .
  • the following components are connected to the I/O interface 705: an input section 706 including a keyboard, a mouse, etc.; an output section 707 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker; a storage section 708 including a hard disk, etc. and a communication section 709 including a network interface card such as a LAN card, a modem, or the like.
  • the communication section 709 performs communication processing via a network such as the Internet.
  • a drive 710 is also connected to the I/O interface 705 as needed.
  • a removable medium 711 such as a magnetic disk, optical disk, magneto-optical disk, semiconductor memory, etc. is mounted on the drive 710 as necessary so that a computer program read therefrom is installed into the storage section 708 as necessary.
  • embodiments of the present disclosure include a computer program product, which includes a computer program carried on a computer-readable medium, where the computer program includes program codes for executing the methods shown in the flowcharts.
  • the computer program may be downloaded and installed from a network via communication portion 709 and/or installed from removable media 711 .
  • this computer program is executed by a central processing unit (CPU) 701, the above-described functions defined in the system of the present disclosure are performed.
  • CPU central processing unit
  • the computer-readable medium shown in the present disclosure may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two.
  • a computer readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to, electrical connections with one or more wires, portable computer diskettes, hard disks, random access memory (RAM), read-only memory (ROM), erasable Programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the above.
  • a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device.
  • a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code therein. Such propagated data signals may take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing.
  • a computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium, which can send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.
  • Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
  • each block in a flowchart or block diagram may represent a module, program segment, or portion of code that includes one or more logical functions for implementing specified executable instructions.
  • the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or they may sometimes be executed in the reverse order, depending upon the functionality involved.
  • each block in the block diagrams or flowchart illustrations, and combinations of blocks in the block diagrams or flowchart illustrations can be implemented by a dedicated hardware-based system that performs the specified function or operation, or can be implemented by a A combination of dedicated hardware and computer instructions.
  • the modules involved in the embodiments described in the present disclosure may be implemented by software or by hardware.
  • the described modules can also be set in a processor, for example, it can be described as: a processor includes a request analysis module, a password verification module, a sub-wallet opening module and a token generation module.
  • a processor includes a request analysis module, a password verification module, a sub-wallet opening module and a token generation module.
  • the names of these modules do not limit the module itself under certain circumstances, for example, the request parsing module can also be described as "a module that sends a payment token generation request to the token service provider".
  • the present disclosure also provides a computer-readable medium, which may be included in the device described in the above embodiments, or may exist independently without being assembled into the device.
  • the above-mentioned computer-readable medium carries one or more programs, and when the above-mentioned one or more programs are executed by the device, the device includes:
  • the user can pre-complete the establishment of payment tokenization on the digital wallet side, which is convenient for the user to centrally manage the payment tokenization relationship, thereby improving the convenience and security of the user using tokenized payment.

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Abstract

本公开公开了基于数字货币子钱包的支付标记化方法、装置和系统。该方法的一具体实施方式包括：从用户的支付标记获取请求中解析出目标数字钱包、目标商户和与目标数字钱包对应的钱包支付密码；将钱包支付密码发送至目标数字钱包的钱包机构系统，以使目标数字钱包的钱包机构系统对钱包支付密码进行校验；在校验通过的情况下，向目标数字钱包的钱包机构系统发送子钱包开立请求；在钱包开立成功的情况下，向标记服务提供方发送支付标记生成请求，以使标记服务提供方生成与数字货币子钱包对应的支付标记。

Description

基于数字货币子钱包的支付标记化方法、装置和系统
相关申请的交叉引用
本申请要求享有2021年10月11日提交的发明名称为“基于数字货币子钱包的支付标记化方法、装置和系统”的中国专利申请No.202111183451.X的优先权，在此全文引用上述中国专利申请公开的内容以作为本申请的一部分或全部。
技术领域
本公开涉及计算机技术领域，尤其涉及一种基于数字货币子钱包的支付标记化方法、装置和系统。
背景技术
在电子支付消费中，支付标记化使用一个唯一的支付标记(与支付账号关联)进行交易验证，同时支付标记被限定在一个特定的商户、渠道中使用。在现有的支付场景中，用户都是在产生消费意愿或消费需求时，在商户端发起申请支付标记的流程。用户无法出于资产管理的角度，从钱包方主动建立、调整或注销支付标记关系。
发明内容
有鉴于此，本公开实施例提供一种基于数字货币子钱包的支付标记化方法、装置和系统。
为实现上述目的，根据本公开实施例的一个方面，提供了一种基于数字货币子钱包的支付标记化方法，包括：
从用户的支付标记获取请求中解析出目标数字钱包、目标商户和与所述目标数字钱包对应的钱包支付密码；
将所述钱包支付密码发送至所述目标数字钱包的钱包机构系统，以使所述目标数字钱包的钱包机构系统对所述钱包支付密码进行校验，接收所述目标数字钱包的钱包机构系统返回的校验结果；
在校验通过的情况下，向所述目标数字钱包的钱包机构系统发送子钱包开立请求，以使所述目标数字钱包的钱包机构系统生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包，接收所述目标数字货币钱包的钱包机构返回的子钱包开立结果；
在钱包开立成功的情况下，向标记服务提供方发送支付标记生成请求，以使所述标记服务提供方生成与所述数字货币子钱包对应的支付标记，接收所述标记服务提供方返回的支付标记生成结果。
根据本公开的一个或多个实施例，本公开实施例的支付标记化方法还包括：
在接收用户的支付标记获取请求之前，从所述标记服务提供方获取所述用户的商户列表并发送至终端进行展示，以使所述用户从所述商户列表中筛选一个或多个商户作为所述目标商户；或者，
在接收用户的支付标记获取请求之前，获取所述用户的数字钱包列表并发送至终端进行展示，以使所述用户从所述数字钱包列表中筛选所述目标数字钱包。
根据本公开的一个或多个实施例，本公开实施例的支付标记化方法还包括：
在获取所述用户的数字钱包列表并发送至终端进行展示之后，响应于所述用户从所述数字钱包列表中筛选目标数字钱包的操作，获取与所述目标数字钱包对应的商户列表并发送至终端进行展示，以使所述用户从与所述目标数字钱包对应的商户列表中筛选一个或多个商户作为所述目标商户。
根据本公开的一个或多个实施例，本公开实施例的支付标记化方法还包括：在所述用户从所述商户列表中筛选一个或多个商户作为所述目标商户之后，获取所述目标商户的账号信息，对所述目标商户的账号信息进行校验并确认校验通过。
根据本公开的一个或多个实施例，获取所述目标商户的账号信息，包括：
判断本地存储设备中是否存在所述目标商户的账号信息；若是，则从所述本地存储设备中获取所述目标商户的账号信息；否则，从所述目标商户的商户机构系统获取所述目标商户的账号信息，并将获取到的所述目标商户的账号信息存入所述本地存储设备。
根据本公开的一个或多个实施例，对所述目标商户的账号信息进行校验，包括：校验所述目标商户的实名信息和通讯信息是否一致；若是，则校验通过；否则，校验不通过。
根据本公开的一个或多个实施例，所述标记服务提供方生成与所述数字货币子钱包对应的支付标记之后，将所述支付标记推送至所述目标数字钱包的钱包机构系统；所述目标数字钱包的钱包机构系统将所述支付标记推送至所述目标商户的商户机构系统；所述目标商户的商户机构系统将所述支付标记推送至所述目标商户的商户服务端系统；
所述目标商户的商户服务端系统接收到所述支付标记后，向所述目标商户的商户机构系统返回应答消息；所述目标商户的商户机构系统接收到所述目标商户的商户机构系统返回的应答消息之后，向所述目标数字钱包的钱包机构系统返回应答消息；所述目标数字钱包的钱包机构系统接收到所述目标商户的商户机构系统返回的应答消息之后，向所述标记服务提供方返回应答消息；所述标记服务提供方接收到所述目标数字钱包的钱包机构系统返回的应答消息之后，生成所述支付标记生成结果；
其中，所述目标商户的商户服务端系统将所述支付标记推送至所述目标商户的商户终端，以使所述目标商户的商户终端展示所述目标商户的商户服务端系统推送的消息。
根据本公开的一个或多个实施例，本公开实施例的支付标记化方法还包括：在向所述目标数字钱包的钱包机构系统发送子钱包开立请 求之前，确认不存在与所述目标数字钱包和所述目标商户对应的数字货币子钱包。
根据本公开的一个或多个实施例，所述支付标记获取请求包括：用户在所述目标商户中的多个消费账户；
向标记服务提供方发送支付标记生成请求，包括：分别向标记服务提供方发送与每个所述消费账户对应的支付标记生成请求，以使所述标记服务提供方分别生成与每个所述消费账户对应的一个支付标记。
根据本公开的一个或多个实施例，本公开实施例的支付标记化方法还包括：
在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，响应于所述用户的针对待查询子钱包的限额查询请求，获取所述待查询子钱包的子钱包限额并发送至终端进行显示；或者，
在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，接收所述用户的限额修改请求，从所述限额修改请求中解析待调整限额的待调整子钱包及其目标限额，将所述待调整子钱包及其目标限额发送至与所述待调整子钱包对应的钱包机构系统，以使与所述待调整子钱包对应的钱包机构系统将所述待调整子钱包的子钱包限额调整为所述目标限额。
根据本公开的一个或多个实施例，本公开实施例的支付标记化方法还包括：在接收所述用户的限额修改请求之前，获取所述待调整子钱包的当前限额，根据所述待调整子钱包的当前限额生成子钱包限额管理页面并发送至终端进行显示，以使所述用户通过在所述子钱包管理页面的操作设定所述待调整子钱包的目标限额。
根据本公开的一个或多个实施例，本公开实施例的支付标记化方法还包括：在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，响应于所述用户基于目标子钱包的支付请求，对所述 支付请求进行校验，以确定待支付金额小于等于所述目标子钱包的子钱包限额。
根据本公开的一个或多个实施例，在接收所述标记服务提供方返回的支付标记生成结果之后，还包括：获取所述目标数字钱包的风控等级、以及所述用户在所述目标商户中的消费账户的消费历史数据；根据所述消费账户的消费历史数据和所述风控等级，确定与所述消费账户对应的支付标记的支付限额。
根据本公开实施例的第二方面，提供一种基于数字货币子钱包的支付方法，包括：
接收目标商户后台系统响应于用户的消费请求发送的收款请求，所述收款请求包括所述用户的与所述目标商户对应的数字货币子钱包的支付标记和收款额；
根据所述支付标记确定与所述数字货币子钱包对应的目标运营机构后台系统，向所述目标运营机构后台系统发送收款请求报文；
接收所述目标运营机构后台系统响应于所述收款请求报文转入的数字货币，在校验转入的数字货币与所述收款额一致的情况下，向所述目标商户后台系统推送支付结果信息，以使所述目标商户后台系统向所述用户推送支付成功信息；
其中，所述支付标记是根据本公开实施例第一方面提供的支付标记化方法生成的。
根据本公开实施例的第三方面，提供一种基于数字货币子钱包的支付标记化装置，包括：
请求解析模块，从用户的支付标记获取请求中解析出目标数字钱包、目标商户和与所述目标数字钱包对应的钱包支付密码；
密码校验模块，将所述钱包支付密码发送至所述目标数字钱包的钱包机构系统，以使所述目标数字钱包的钱包机构系统对所述钱包支付密码进行校验，接收所述目标数字钱包的钱包机构系统返回的校验 结果；
子钱包开立模块，在校验通过的情况下，向所述目标数字钱包的钱包机构系统发送子钱包开立请求，以使所述目标数字钱包的钱包机构系统生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包，接收所述目标数字货币钱包的钱包机构返回的子钱包开立结果；
标记生成模块，在钱包开立成功的情况下，向标记服务提供方发送支付标记生成请求，以使所述标记服务提供方生成与所述数字货币子钱包对应的支付标记，接收所述标记服务提供方返回的支付标记生成结果。
根据本公开实施例的第四方面，提供一种基于数字货币子钱包的支付标记化系统，包括：数字钱包系统、标记服务提供方、钱包机构系统；其中，
所述数字钱包系统从用户的支付标记获取请求中解析出目标数字钱包、目标商户和与所述目标数字钱包对应的钱包支付密码；将所述钱包支付密码发送至所述目标数字钱包的钱包机构系统，以使所述目标数字钱包的钱包机构系统对所述钱包支付密码进行校验；
在校验通过的情况下，所述数字钱包系统向所述目标数字钱包的钱包机构系统发送子钱包开立请求，所述目标数字钱包的钱包机构系统生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包，向所述数字钱包系统返回子钱包开立结果；
所述数字钱包系统在根据所述钱包开立结果判定钱包开立成功的情况下，向标记服务提供方发送支付标记生成请求；
所述标记服务提供方生成与所述数字货币子钱包对应的支付标记，然后向所述数字钱包系统返回支付标记生成结果。
根据本公开实施例的第五方面，提供一种基于数字货币子钱包的支付标记化电子设备，包括：
一个或多个处理器；
存储装置，用于存储一个或多个程序，
当所述一个或多个程序被所述一个或多个处理器执行，使得所述一个或多个处理器实现本公开实施例第一方面提供的方法。
根据本公开实施例的第六方面，提供一种计算机可读介质，其上存储有计算机程序，所述程序被处理器执行时实现本公开实施例第一方面提供的方法。
上述的非惯用的可选方式所具有的进一步效果将在下文中结合具体实施方式加以说明。
附图说明
附图用于更好地理解本公开，不构成对本公开的不当限定。其中：
图1是本公开实施例的基于数字货币子钱包的支付标记化方法的主要流程的示意图；
图2a和图2b是本公开一个或多个实施例中基于数字货币子钱包的支付标记化方法的主要流程的示意图；
图3是本公开一个或多个实施例中修改子钱包限额的主要流程的示意图；
图4是本公开实施例的基于数字货币子钱包的支付标记化装置的主要模块的示意图；
图5是本公开实施例的基于数字货币子钱包的支付标记化系统的主要组成的示意图；
图6是本公开实施例可以应用于其中的示例性系统架构图；
图7是适于用来实现本公开实施例的终端设备或服务器的计算机系统的结构示意图。
具体实施方式
以下结合附图对本公开的示范性实施例做出说明，其中包括本公开实施例的各种细节以助于理解，应当将它们认为仅仅是示范性的。因此，本领域普通技术人员应当认识到，可以对这里描述的实施例做 出各种改变和修改，而不会背离本公开的范围和精神。同样，为了清楚和简明，以下的描述中省略了对公知功能和结构的描述。
根据本公开实施例的一个方面，提供了一种基于数字货币子钱包的支付标记化方法。
图1是本公开实施例的基于数字货币子钱包的支付标记化方法的主要流程的示意图，如图1所示，基于数字货币子钱包的支付标记化方法，包括：
步骤S101、从用户的支付标记获取请求中解析出目标数字钱包、目标商户和与所述目标数字钱包对应的钱包支付密码；
步骤S102、将所述钱包支付密码发送至所述目标数字钱包的钱包机构系统，以使所述目标数字钱包的钱包机构系统对所述钱包支付密码进行校验，接收所述目标数字钱包的钱包机构系统返回的校验结果；
步骤S103、在校验通过的情况下，向所述目标数字钱包的钱包机构系统发送子钱包开立请求，以使所述目标数字钱包的钱包机构系统生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包，接收所述目标数字货币钱包的钱包机构返回的子钱包开立结果；
步骤S104、在钱包开立成功的情况下，向标记服务提供方发送支付标记生成请求，以使所述标记服务提供方生成与所述数字货币子钱包对应的支付标记，接收所述标记服务提供方返回的支付标记生成结果。
数字钱包是指数字货币钱包，钱包机构系统是指为数字货币钱包提供相关服务的计算机系统，如数字货币发行机构授权的数字货币运营机构的计算机系统。标记服务提供方是指提供标记化服务的机构，例如TSP(Token Service Provider)。商户是指通过电子交易提供商品售卖服务的一方，商户账号是指商户的账号信息，例如手机号、银行卡号、数字货币钱包账号等。商户机构系统是指为商户提供数字货币相关服务的机构的计算机系统，如数字货币发行机构授权的数字货币 运营机构的计算机系统。商户系统是指为商户提供后台服务支持的计算机系统。示例性地，卖方a在电商平台A上售卖电子产品，其数字货币账户为在B银行开立的数字货币账户。在该应用场景下，电商平台A为商户，为电商平台A提供后台服务支持的为商户系统，B银行为数字货币钱包提供相关服务的计算机系统为商户机构系统。
本公开实施例基于数字货币展开，支付标记用于取代用户数字货币钱包的账号进行交易认证。支付标记通常为Token(令牌)，实际应用过程中，也可以采用其他标记作为支付标记，只要该标记具有唯一性且能够满足交易安全性要求即可，本公开实施例对支付标记的体现形式不作具体限定。
本公开实施例使用低敏感性的支付标记代替敏感的真实账号信息，可以减少支付环节中各参与方接触真实账号信息的机会，降低因真实账号信息泄露造成的交易风险，在不影响交易处理的情况下增强交易的安全性。同时，一个真实账号信息可以对应生成多个支付标记并分配至不同场景，进一步地，每个支付标记可以设置不同的有效期，从而便于用户进行支付标记生命周期管理。此外，支付标记化技术具有域控功能，可在每个支付标记产生时或通过后期管理接口设置个性化域控属性，包括但不限于交易渠道限制、交易限额设置、是否允许跨境交易等。数字货币钱包所属的钱包机构系统可根据交易场景特点，为特定场景下的支付标记设置域控属性，以进一步降低支付风险。
本公开实施例的方法通常应用于数字货币钱包服务端，用户可以在数字货币钱包终端发起支付标记化请求，从支付钱包资产管理的角度主动选择不同商户建立标记化支付关系(即数字货币钱包对应的数字货币子钱包和对应商户之间的关联关系)和集中管理标记化支付关系。本公开实施例的方法实现了消费前预先建立标记化关系，实现了签约商户的批量关系，例如对同一集团下的所有商户一键开通支付标记化服务，大大增加了用户使用标记化支付的便捷性。
根据本公开的一个或多个实施例，在接收用户的支付标记获取请求之前，从标记服务提供方获取用户的商户列表并发送至终端进行展示，以使用户从商户列表中筛选一个或多个商户作为所述目标商户。商户列表是指一个或多个商户形成的列表。商户列表可以包括钱包机构系统支持的所有商户，也可以仅包括用户在其中有消费账号的商户。示例性地，用户在电商平台A、B、C上分别具有消费账号，可以将包含电商平台A、B、C的商户列表展示给用户，用户从其中选择一个或多个作为目标商户。实际应用过程中，在向用户展示商户列表之前，还可以将商户列表中用户在其中不具有消费账户的商户、或者用户已经在其中开通支付标记化服务的商户去除，以便于用户筛选和查看。进一步地，商户列表可以以一定规则排序分类返回，例如按照商户的用途将商户划分为交通出行类、购物类、教育学习类、社交类、金融理财类等类型的商户。
根据本公开的一个或多个实施例，在接收用户的支付标记获取请求之前，可以获取用户的数字钱包列表并发送至终端进行展示，以使用户从数字钱包列表中筛选目标数字钱包。数字钱包列表是指用户的部分或所有数字货币钱包形成的列表。通过向用户展示数字货币钱包列表，便于用户自主选择需要建立支付标记的数字货币钱包账户。
进一步地，在获取用户的数字钱包列表并发送至终端进行展示之后，还可以响应于用户从数字钱包列表中筛选目标数字钱包的操作，获取与目标数字钱包对应的商户列表并发送至终端进行展示，以使用户从与目标数字钱包对应的商户列表中筛选一个或多个商户作为目标商户。本实施例能够根据用户选择的目标数字钱包，为用户展示目标数字钱包所支持的各个商户，过滤掉目标数字钱包不支持的商户。
需要说明的是，用户可以选择一个目标数字钱包和一个或多个目标商户建立标记化支付关系，也可以选择多个目标数字钱包和一个或 多个目标商户建立标记化支付关系。对于建立支付标记化关系的目标数字钱包和目标商户，目标数字钱包可以与用户在目标商户的一个消费账户建立支付标记化关系，也可以与用户在目标商户的多个消费账户建立支付标记化关系。用户在目标商户的消费账户，可以仅指用户本人在目标商户开立的消费账户，也可以指与用户具有特定关系的其他户(如用户的配偶、父母、子女、朋友等)在目标商户开立的消费账户，或者用户在目标商户中指定的消费账户(如用户在选择目标商户时输入的消费账户)。
本公开实施例可以实现一个数字钱包的支付能力可以共享给多个商户的消费账户，也可以应用在“一个数字钱包全家消费”等场景，而且一对多的组合关系具备了消费领域“智能合约”的实施基础，具有较强的可拓展性。
步骤S102中校验用户的钱包支付密码，用于校验用户身份。钱包支付密码可以采用明文方式传送，也可以采用密文形式传送，以保障交易安全。根据本公开的一个或多个实施例地，本公开实施例的支付标记化方法还包括：在接收用户的钱包支付密码之前，获取目标商户的账号信息，对目标商户的账号信息进行校验并确认校验通过。目标商户的账号信息，例如可以是目标商户的账户名、绑定的手机号、实名信息等。对目标商户的账号信息进行校验的内容可以根据实际情况进行选择性设定，例如校验目标商户的各项账户信息是否一致(如目标商户的实名信息和手机号等通讯信息是否一致)、目标商户的账号是否出现异常(如是否被查封冻结)。通过校验目标商户的账号信息，能够在开立数字货币子钱包之前确保目标商户的有效性，一方面能够避免由于目标商户的账号异常或者目标商户的账号与目标商户不匹配等问题而导致无法建立标记化支付关系的情况发生，另一方面能够避免由于在出现上述情况时继续请求建立数字货币子钱包而导致的系统资源消耗。
实际应用过程中，可以由目标商户所属的商户机构系统进行校验、数字钱包系统直接从目标商户所属的商户机构系统获取校验结果，也可以由数字钱包系统从目标商户所属的商户机构系统获取目标商户的账号信息、然后根据获取到的信息进行校验。数字钱包系统可以直接从目标商户所属的商户机构系统获取目标商户的账号信息，也可以从本地存储设备中获取目标商户的账号信息。示例性地，获取目标商户的账号信息的步骤包括：判断本地存储设备中是否存在目标商户的账号信息；若是，则从本地存储设备中获取目标商户的账号信息；否则，从目标商户的商户机构系统获取目标商户的账号信息，并将获取到的目标商户的账号信息存入本地存储设备。通过先从本地存储设备中获取账号信息，能够降低对目标商户所属的商户机构系统的访问频率，进而降低网络资源消耗。
本公开实施例中，在生成与数字货币子钱包对应的支付标记之后，标记服务提供方可以分别将支付标记推送至数字钱包系统、目标数字钱包的钱包机构系统、目标商户的商户机构系统和目标商户等。
根据本公开的一个或多个实施例，标记服务提供方生成与数字货币子钱包对应的支付标记之后，将支付标记推送至目标数字钱包的钱包机构系统；目标数字钱包的钱包机构系统将支付标记推送至目标商户的商户机构系统；目标商户的商户机构系统将支付标记推送至目标商户的商户服务端系统；目标商户的商户服务端系统接收到支付标记后，向目标商户的商户机构系统返回应答消息；目标商户的商户机构系统接收到目标商户的商户机构系统返回的应答消息之后，向目标数字钱包的钱包机构系统返回应答消息；目标数字钱包的钱包机构系统接收到目标商户的商户机构系统返回的应答消息之后，向标记服务提供方返回应答消息；标记服务提供方接收到目标数字钱包的钱包机构系统返回的应答消息之后，生成支付标记生成结果。
目标商户及其所属的商户机构系统与数字钱包系统通常属于不同 的计算机系统，由目标商户的商户机构系统将支付标记推送至目标商户，能够降低跨系统通信的难度，便于实现。目标商户的商户机构系统向目标商户推送支付标记的方式可以根据实际情况进行选择性设定，例如目标商户的商户服务端系统将支付标记推送至目标商户的商户终端，以使目标商户的商户终端展示目标商户的商户服务端系统推送的消息。目标商户的商户服务端系统可以采用push信息将支付标记推送至目标商户的商户终端，push信息又叫做服务信息或推入信息，是一种特殊格式的短信。push消息是一种能够直接触达用户的消息推送方式，成本低、样式多样。
对于建立支付标记化关系的一对目标数字钱包和目标商户，目标数字钱包可以与用户在目标商户的多个消费账户建立支付标记化关系。
在本公开的一个或多个实施例中，对于建立支付标记化关系的一对目标数字钱包和目标商户，可以在目标数字钱包中建立与对应目标商户中的所有消费账户对应的一个数字货币子钱包，即目标商户中的所有消费账户共享一个数字货币子钱包。示例性地，在向目标数字钱包的钱包机构发送子钱包开立请求之前，确认不存在与目标数字钱包和目标商户对应的数字货币子钱包。如此，能够保证一个目标数字钱包在一个目标商户中仅存在一个数字货币子钱包，便于用户进行管理。
在本公开的一个或多个实施例中，对于建立支付标记化关系的一对目标数字钱包和目标商户，在目标数字钱包中建立与对应目标商户中的每个消费账户分别对应的一个数字货币子钱包，即一个消费账户对应一个数字货币子钱包。具体地，支付标记获取请求包括用户在目标商户中的多个消费账户，向标记服务提供方发送支付标记生成请求包括：分别向标记服务提供方发送与每个消费账户对应的支付标记生成请求，以使标记服务提供方分别生成与每个所述消费账户对应的一个支付标记。如此，能够保证目标商户中的一个消费账户对应一个数字货币子钱包，便于用户针对不同消费账户进行多样化管理。
图2a是本公开一个或多个实施例中基于数字货币子钱包的支付标记化方法的主要流程的示意图。本实施例中，用于执行本公开实施例的支付标记化方法的执行主体为数字钱包系统。如图2a所示，基于数字货币子钱包的支付标记化方法的主要流程包括：
1.数字钱包终端(以下简称App)通过接口请求数字钱包系统，查询可推送商户列表。
2.数字钱包系统向TSP查询可推送商户列表。
3.TSP将可推送商户列表以一定规则排序分类返回至数字钱包系统。
4.数字钱包系统将可推送商户列表以一定规则排序分类返回至App。
5.用户在App上选择可推送的商户和钱包。此处用户可选择多个商户进行批量推送，也可选择同一商户的多个消费账号进行推送。
6.App向数字钱包系统查询商户的账号信息。
7.数字钱包系统从本地存储设备或商户机构系统中查询商户的基础配置信息。
8.数字钱包系统将查询到的商户的基础配置信息返回至App。
9.用户通过App请求数字钱包系统，查询商户账号以及商户账号信息的一致性。
10.数字钱包系统从本地存储设备或商户机构系统中查询商户的基础配置信息。
11.数字钱包系统从商户机构系统中查询商户账号信息。
12.商户机构系统从商户系统查询商户账号信息。
13.商户系统将商户账号信息返回至商户机构系统。
14.商户机构系统将商户账号信息返回至数字钱包系统。
15.数字钱包系统请求钱包机构系统判断商户的实名信息与手机号的一致性。
16.钱包机构系统将判断结果返回至数字钱包系统。
17.数字钱包系统将判断结果返回至App。
18.用户通过App输入支付密码。
19.App将用输入的钱包支付密码的密文发送至数字钱包系统，发出子钱包推送请求。
20.数字钱包系统校验App发出子钱包推送请求时的关联码(例如动态校验码等)。
21.校验通过后，数字钱包系统请求钱包机构系统校验用户输入的支付密码。
22.钱包机构系统将校验结果返回至数字钱包系统。
23.在校验结果为校验通过的情况下，数字钱包系统向钱包机构系统发出子钱包开立请求。
24.钱包机构系统开立数字货币子钱包之后，向数字钱包系统返回子钱包信息。
25.数字钱包系统向TSP发送推送与该子钱包信息对应的Token请求，以请求TSP为该数字货币子钱包生成支付标记Token。
26-31.TSP生成Token之后，向商户推送Token，Token会同步地发送到钱包机构系统、商户机构系统、商户系统，商户系统通过push信息将Token推送至商户终端，商户终端向商户展示推送信息。
32-35.商户机构系统将Token推送至商户系统之后，接收商户系统返回的推送结果信息。商户机构系统将推送结果信息返回至钱包机构系统，钱包机构系统将推送结果信息返回至TSP。TSP将推送结果信息返回至数字钱包系统。数字钱包系统将推送结果信息返回至App，提示用户完成子钱包绑定推送。
本公开实施例中，给商户推送子钱包的过程也可称作给商户快付授权的过程，可推送商户也可称作可快付授权商户，如图2b所示，用于执行本公开实施例的支付标记化方法的执行主体为数字钱包系统，基于数字货币子钱包的支付标记化方法的主要流程包括：
1.数字钱包终端(以下简称App)通过接口请求数字钱包系统，查询可快付授权商户列表。
2.数字钱包系统向TSP查询可快付授权商户列表。
3.TSP将可快付授权商户列表以一定规则排序分类返回至数字钱包系统。
4.数字钱包系统将可快付授权商户列表以一定规则排序分类返回至App。
5.用户在App上选择可快付授权的商户和钱包。此处用户可选择多个商户进行批量快付授权，也可选择同一商户的多个消费账号进行快付授权。
6.App向数字钱包系统查询商户的账号信息。
7.数字钱包系统从本地存储设备或商户机构系统中查询商户的基础配置信息。
8.数字钱包系统将查询到的商户的基础配置信息返回至App。
9.用户通过App请求数字钱包系统，查询商户账号以及商户账号信息的一致性。
10.数字钱包系统从本地存储设备或商户机构系统中查询商户的基础配置信息。
11.数字钱包系统从商户机构系统中查询商户账号信息。
12.商户机构系统从商户系统查询商户账号信息。
13.商户系统将商户账号信息返回至商户机构系统。
14.商户机构系统将商户账号信息返回至数字钱包系统。
15.数字钱包系统请求钱包机构系统判断商户的实名信息与手机号的一致性。
16.钱包机构系统将判断结果返回至数字钱包系统。
17.数字钱包系统将判断结果返回至App。
18.用户通过App输入支付密码。
19.App将用输入的钱包支付密码的密文发送至数字钱包系统，发出快付授权请求。
20.数字钱包系统校验App发出快付授权时的关联码(例如动态校验码等)。
21.校验通过后，数字钱包系统请求钱包机构系统校验用户输入的支付密码。
22.钱包机构系统将校验结果返回至数字钱包系统。
23.在校验结果为校验通过的情况下，数字钱包系统向钱包机构系统发出子钱包开立请求。
24.钱包机构系统开立数字货币子钱包之后，向数字钱包系统返回子钱包信息。
25.数字钱包系统向TSP发送推送与该子钱包信息对应的Token请求，以请求TSP为该数字货币子钱包生成支付标记Token。
26-31.TSP生成Token之后，向商户推送Token，Token会同步地发送到钱包机构系统、商户机构系统、商户系统，商户系统通过push信息将Token推送至商户终端，商户终端向商户展示快付授权信息。
32-35.商户机构系统将Token推送至商户系统之后，接收商户系统返回的快付授权结果信息。商户机构系统将快付授权结果信息返回至钱包机构系统，钱包机构系统将快付授权结果信息返回至TSP。TSP将快付授权结果信息返回至数字钱包系统。数字钱包系统将快付授权结果信息返回至App，提示用户完成快付授权。
在生成与目标数字钱包和所述目标商户对应的数字货币子钱包之后，响应于用户基于目标子钱包的支付请求，可以对支付请求进行校验，以确定待支付金额小于等于目标子钱包的子钱包限额，从而便于针对各个数字货币子钱包的消费限额进行多样化管理。
实际应用过程中，在生成与目标数字钱包和所述目标商户对应的数字货币子钱包之后，还可以响应于用户的针对待查询子钱包的限额查询请求，获取待查询子钱包的子钱包限额并发送至终端进行显示；或者，在生成与目标数字钱包和目标商户对应的子钱包之后，接收用户的限额修改请求，从限额修改请求中解析待调整限额的待调整子钱包及其目标限额，将待调整子钱包及其目标限额发送至与待调整子钱包对应的钱包机构系统，以使与待调整子钱包对应的钱包机构系统将待调整子钱包的子钱包限额调整为目标限额。示例性地，在接收用户的限额修改请求之前，获取待调整子钱包的当前限额，根据待调整子 钱包的当前限额生成子钱包限额管理页面并发送至终端进行显示，以使用户通过在子钱包管理页面的操作设定待调整子钱包的目标限额。
图3是本公开一个或多个实施例中修改子钱包限额的主要流程的示意图。如图3所示，子钱包限额管理流程包括：
1.用户通过数字钱包终端向数字钱包系统查询子钱包详情。
2.数字钱包系统向钱包机构系统查询子钱包详情。
3.钱包机构系统将子钱包详情返回给数字钱包系统。
4.数字钱包系统将子钱包详情返回给数字钱包终端。用户通过数字钱包终端进入某个子钱包管理页面。
5.用户通过页面拖动来调整子钱包的限额。限额包括日限额、单笔限额。用户也可对同一数字货币子钱包下的多个Token进行差异化限额管理。用户通过数字钱包终端向数字钱包系统发送子钱包限额修改请求。
6.数字钱包系统向钱包机构系统发送子钱包限额修改请求。
7.钱包机构系统根据子钱包限额修改请求修改对应数字货币子钱包的限额，然后向数字钱包系统返回结果信息。钱包运营机构系统可以在验证用户输入的支付密码后，将数字货币子钱包对这个商户的限额调整为用户最新设置的数值。
8.数字钱包服务端将结果信息返回至数字钱包终端。
在接收所述标记服务提供方返回的支付标记生成结果之后，还可以包括：获取所述目标数字钱包的风控等级、以及所述用户在所述目标商户中的消费账户的消费历史数据；根据所述消费账户的消费历史数据(例如购买记录、加入购物车记录、浏览记录、关注记录等数据)和所述风控等级，确定与所述消费账户对应的支付标记的支付限额。示例性地，用户可以根据自身需要开立五类钱包账户中的任一种，每类钱包账户开立所需要的用户信息不同，对应所拥有的权限不同，也即风控等级不同。
基于“一对多”的标记化支付关系，本公开实施例的方法能够实现更精细化的限额管理，可针对不同消费账户的消费历史数据，并结合对应数字钱包的风控等级，对不同的支付标记关系设置不同的支付限额，提高了标记化支付的安全性。
根据本公开实施例的第二方面，提供一种基于数字货币子钱包的支付方法，包括：
接收目标商户后台系统响应于用户的消费请求发送的收款请求，所述收款请求包括所述用户的与所述目标商户对应的数字货币子钱包的支付标记和收款额；
根据所述支付标记确定与所述数字货币子钱包对应的目标运营机构后台系统，向所述目标运营机构后台系统发送收款请求报文；
接收所述目标运营机构后台系统响应于所述收款请求报文转入的数字货币，在校验转入的数字货币与所述收款额一致的情况下，向所述目标商户后台系统推送支付结果信息，以使所述目标商户后台系统向所述用户推送支付成功信息；
其中，所述支付标记是根据本公开实施例第一方面提供的支付标记化方法生成的。
数字货币子钱包消费流程：
1.用户在目标商户消费时，则可以选择使用绑定的数字钱包的Token进行支付。
2.商户系统找到该用户对应的Token，然后发送Token到商户机构进行收款。
3.商户机构系统根据记录找到该Token对应数字钱包的钱包机构系统，发送收款请求报文。
4.钱包机构系统收到收款请求报文后，付款到收款请求报文中提供的商户钱包中。商户机构系统将支付结果返回给商户服务端。
5.商户系统提示用户或目标商户支付成功。
根据本公开实施例的第三方面，提供一种实现上述方法的装置。
图4是本公开实施例的基于数字货币子钱包的支付标记化装置的主要模块的示意图。如图4所示，基于数字货币子钱包的支付标记化装置400包括：
请求解析模块401，从用户的支付标记获取请求中解析出目标数字钱包、目标商户和与所述目标数字钱包对应的钱包支付密码；
密码校验模块402，将所述钱包支付密码发送至所述目标数字钱包的钱包机构系统，以使所述目标数字钱包的钱包机构系统对所述钱包支付密码进行校验，接收所述目标数字钱包的钱包机构系统返回的校验结果；
子钱包开立模块403，在校验通过的情况下，向所述目标数字钱包的钱包机构系统发送子钱包开立请求，以使所述目标数字钱包的钱包机构系统生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包，接收所述目标数字货币钱包的钱包机构返回的子钱包开立结果；
标记生成模块404，在钱包开立成功的情况下，向标记服务提供方发送支付标记生成请求，以使所述标记服务提供方生成与所述数字货币子钱包对应的支付标记，接收所述标记服务提供方返回的支付标记生成结果。
根据本公开的一个或多个实施例，所述请求解析模块还用于：在接收用户的支付标记获取请求之前，从所述标记服务提供方获取所述用户的商户列表并发送至终端进行展示，以使所述用户从所述商户列表中筛选一个或多个商户作为所述目标商户；或者，在接收用户的支付标记获取请求之前，获取所述用户的数字钱包列表并发送至终端进行展示，以使所述用户从所述数字钱包列表中筛选所述目标数字钱包。
根据本公开的一个或多个实施例，所述请求解析模块还用于：在获取所述用户的数字钱包列表并发送至终端进行展示之后，响应于所述用户从所述数字钱包列表中筛选目标数字钱包的操作，获取与所述 目标数字钱包对应的商户列表并发送至终端进行展示，以使所述用户从与所述目标数字钱包对应的商户列表中筛选一个或多个商户作为所述目标商户。
根据本公开的一个或多个实施例，所述密码校验模块还用于：在所述用户从所述商户列表中筛选一个或多个商户作为所述目标商户之后，获取所述目标商户的账号信息，对所述目标商户的账号信息进行校验并确认校验通过。
根据本公开的一个或多个实施例，所述密码校验模块获取所述目标商户的账号信息，包括：
判断本地存储设备中是否存在所述目标商户的账号信息；若是，则从所述本地存储设备中获取所述目标商户的账号信息；否则，从所述目标商户的商户机构系统获取所述目标商户的账号信息，并将获取到的所述目标商户的账号信息存入所述本地存储设备。
根据本公开的一个或多个实施例，所述密码校验模块对所述目标商户的账号信息进行校验，包括：校验所述目标商户的实名信息和通讯信息是否一致；若是，则校验通过；否则，校验不通过。
根据本公开的一个或多个实施例，所述标记服务提供方生成与所述数字货币子钱包对应的支付标记之后，将所述支付标记推送至所述目标数字钱包的钱包机构系统；所述目标数字钱包的钱包机构系统将所述支付标记推送至所述目标商户的商户机构系统；所述目标商户的商户机构系统将所述支付标记推送至所述目标商户的商户服务端系统；
所述目标商户的商户服务端系统接收到所述支付标记后，向所述目标商户的商户机构系统返回应答消息；所述目标商户的商户机构系统接收到所述目标商户的商户机构系统返回的应答消息之后，向所述目标数字钱包的钱包机构系统返回应答消息；所述目标数字钱包的钱包机构系统接收到所述目标商户的商户机构系统返回的应答消息之后， 向所述标记服务提供方返回应答消息；所述标记服务提供方接收到所述目标数字钱包的钱包机构系统返回的应答消息之后，生成所述支付标记生成结果；
其中，所述目标商户的商户服务端系统采用push信息将所述支付标记推送至所述目标商户的商户终端，以使所述目标商户的商户终端展示所述目标商户的商户服务端系统推送的消息。
根据本公开的一个或多个实施例，所述子钱包开立模块还用于：在向所述目标数字钱包的钱包机构系统发送子钱包开立请求之前，确认不存在与所述目标数字钱包和所述目标商户对应的数字货币子钱包。
根据本公开的一个或多个实施例，所述支付标记获取请求包括：用户在所述目标商户中的多个消费账户；
所述标记生成模块向标记服务提供方发送支付标记生成请求，包括：分别向标记服务提供方发送与每个所述消费账户对应的支付标记生成请求，以使所述标记服务提供方分别生成与每个所述消费账户对应的一个支付标记。
根据本公开的一个或多个实施例，本公开实施例的装置还包括限额管理模块，用于：
在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，响应于所述用户的针对待查询子钱包的限额查询请求，获取所述待查询子钱包的子钱包限额并发送至终端进行显示；或者，
在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，接收所述用户的限额修改请求，从所述限额修改请求中解析待调整限额的待调整子钱包及其目标限额，将所述待调整子钱包及其目标限额发送至与所述待调整子钱包对应的钱包机构系统，以使与所述待调整子钱包对应的钱包机构系统将所述待调整子钱包的子钱包限额调整为所述目标限额。
根据本公开的一个或多个实施例，所述限额管理模块还用于：在接收所述用户的限额修改请求之前，获取所述待调整子钱包的当前限额，根据所述待调整子钱包的当前限额生成子钱包限额管理页面并发送至终端进行显示，以使所述用户通过在所述子钱包管理页面的操作设定所述待调整数字货币子钱包的目标限额。
根据本公开的一个或多个实施例，本公开实施例的装置还包括支付管理模块，用于：在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，响应于所述用户基于目标子钱包的支付请求，对所述支付请求进行校验，以确定待支付金额小于等于所述目标子钱包的子钱包限额。
根据本公开的一个或多个实施例，本公开实施例的装置还包括限额管理模块，用于：在接收所述标记服务提供方返回的支付标记生成结果之后，获取所述目标数字钱包的风控等级、以及所述用户在所述目标商户中的消费账户的消费历史数据；根据所述消费账户的消费历史数据和所述风控等级，确定与所述消费账户对应的支付标记的支付限额。
根据本公开实施例的第四方面，提供一种实现上述方法的系统。
图5是本公开实施例的基于数字货币子钱包的支付标记化系统的主要组成的示意图。如图5所示，基于数字货币子钱包的支付标记化系统500包括：数字钱包系统501、标记服务提供方502、钱包机构系统503；其中，
数字钱包系统501从用户的支付标记获取请求中解析出目标数字钱包、目标商户和与所述目标数字钱包对应的钱包支付密码；将所述钱包支付密码发送至所述目标数字钱包的钱包机构系统503，以使目标数字钱包的钱包机构系统503对所述钱包支付密码进行校验；
在校验通过的情况下，数字钱包系统501向所述目标数字钱包的 钱包机构系统503发送子钱包开立请求，所述目标数字钱包的钱包机构系统503生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包，向数字钱包系统501返回子钱包开立结果；
数字钱包系统501在根据所述钱包开立结果判定钱包开立成功的情况下，向标记服务提供方502发送支付标记生成请求；
标记服务提供方502生成与所述数字货币子钱包对应的支付标记，然后向数字钱包系统501返回支付标记生成结果。
根据本公开的一个或多个实施例，所述数字钱包系统还用于：
在接收用户的支付标记获取请求之前，从所述标记服务提供方获取所述用户的商户列表并发送至终端进行展示，以使所述用户从所述商户列表中筛选一个或多个商户作为所述目标商户；或者，
在接收用户的支付标记获取请求之前，获取所述用户的数字钱包列表并发送至终端进行展示，以使所述用户从所述数字钱包列表中筛选所述目标数字钱包。
根据本公开的一个或多个实施例，所述数字钱包系统还用于：
在获取所述用户的数字钱包列表并发送至终端进行展示之后，响应于所述用户从所述数字钱包列表中筛选目标数字钱包的操作，获取与所述目标数字钱包对应的商户列表并发送至终端进行展示，以使所述用户从与所述目标数字钱包对应的商户列表中筛选一个或多个商户作为所述目标商户。
根据本公开的一个或多个实施例，所述数字钱包系统还用于：在所述用户从所述商户列表中筛选一个或多个商户作为所述目标商户之后，获取所述目标商户的账号信息，对所述目标商户的账号信息进行校验并确认校验通过。
根据本公开的一个或多个实施例，所述数字钱包系统获取所述目标商户的账号信息，包括：
判断本地存储设备中是否存在所述目标商户的账号信息；若是，则从所述本地存储设备中获取所述目标商户的账号信息；否则，从所述目标商户的商户机构系统获取所述目标商户的账号信息，并将获取到的所述目标商户的账号信息存入所述本地存储设备。
根据本公开的一个或多个实施例，所述数字钱包系统对所述目标商户的账号信息进行校验，包括：校验所述目标商户的实名信息和通讯信息是否一致；若是，则校验通过；否则，校验不通过。
根据本公开的一个或多个实施例，所述标记服务提供方生成与所述数字货币子钱包对应的支付标记之后，将所述支付标记推送至所述目标数字钱包的钱包机构系统；所述目标数字钱包的钱包机构系统将所述支付标记推送至所述目标商户的商户机构系统；所述目标商户的商户机构系统将所述支付标记推送至所述目标商户的商户服务端系统；
所述目标商户的商户服务端系统接收到所述支付标记后，向所述目标商户的商户机构系统返回应答消息；所述目标商户的商户机构系统接收到所述目标商户的商户机构系统返回的应答消息之后，向所述目标数字钱包的钱包机构系统返回应答消息；所述目标数字钱包的钱包机构系统接收到所述目标商户的商户机构系统返回的应答消息之后，向所述标记服务提供方返回应答消息；所述标记服务提供方接收到所述目标数字钱包的钱包机构系统返回的应答消息之后，生成所述支付标记生成结果；
其中，所述目标商户的商户服务端系统将所述支付标记推送至所述目标商户的商户终端，以使所述目标商户的商户终端展示所述目标商户的商户服务端系统推送的消息。
根据本公开的一个或多个实施例，所述数字钱包系统还用于：在向所述目标数字钱包的钱包机构系统发送子钱包开立请求之前，确认不存在与所述目标数字钱包和所述目标商户对应的数字货币子钱包。
根据本公开的一个或多个实施例，所述支付标记获取请求包括：用户在所述目标商户中的多个消费账户；
所述数字钱包系统向标记服务提供方发送支付标记生成请求，包括：分别向标记服务提供方发送与每个所述消费账户对应的支付标记生成请求，以使所述标记服务提供方分别生成与每个所述消费账户对应的一个支付标记。
根据本公开的一个或多个实施例，所述数字钱包系统还用于：
在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，响应于所述用户的针对待查询子钱包的限额查询请求，获取所述待查询子钱包的子钱包限额并发送至终端进行显示；或者，
在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，接收所述用户的限额修改请求，从所述限额修改请求中解析待调整限额的待调整子钱包及其目标限额，将所述待调整子钱包及其目标限额发送至与所述待调整子钱包对应的钱包机构系统，以使与所述待调整子钱包对应的钱包机构系统将所述待调整子钱包的子钱包限额调整为所述目标限额。
根据本公开的一个或多个实施例，所述数字钱包系统还用于：在接收所述用户的限额修改请求之前，获取所述待调整子钱包的当前限额，根据所述待调整子钱包的当前限额生成子钱包限额管理页面并发送至终端进行显示，以使所述用户通过在所述子钱包管理页面的操作设定所述待调整子钱包的目标限额。
根据本公开的一个或多个实施例，所述数字钱包系统还用于：在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，响应于所述用户基于目标子钱包的支付请求，对所述支付请求进行校验，以确定待支付金额小于等于所述目标子钱包的子钱包限额。
根据本公开的一个或多个实施例，所述数字钱包系统还用于：在 接收所述标记服务提供方返回的支付标记生成结果之后，获取所述目标数字钱包的风控等级、以及所述用户在所述目标商户中的消费账户的消费历史数据；根据所述消费账户的消费历史数据和所述风控等级，确定与所述消费账户对应的支付标记的支付限额。
根据本公开实施例的第五方面，提供一种基于数字货币子钱包的支付标记化电子设备，包括：
一个或多个处理器；
存储装置，用于存储一个或多个程序，
当所述一个或多个程序被所述一个或多个处理器执行，使得所述一个或多个处理器实现本公开实施例第一方面提供的方法。
根据本公开实施例的第六方面，提供一种计算机可读介质，其上存储有计算机程序，所述程序被处理器执行时实现本公开实施例第一方面提供的方法。
图6示出了可以应用本公开实施例的基于数字货币子钱包的支付标记化方法或基于数字货币子钱包的支付标记化装置的示例性系统架构600。
如图6所示，系统架构600可以包括终端设备601、602、603，网络604和服务器605。网络604用以在终端设备601、602、603和服务器605之间提供通信链路的介质。网络604可以包括各种连接类型，例如有线、无线通信链路或者光纤电缆等等。
用户可以使用终端设备601、602、603通过网络604与服务器605交互，以接收或发送消息等。终端设备601、602、603上可以安装有各种通讯客户端应用，例如购物类应用、网页浏览器应用、搜索类应用、即时通信工具、邮箱客户端、社交平台软件等(仅为示例)。
终端设备601、602、603可以是具有显示屏并且支持网页浏览的各种电子设备，包括但不限于智能手机、平板电脑、膝上型便携计算机和台式计算机等等。
服务器605可以是提供各种服务的服务器，例如对用户利用终端设备601、602、603所浏览的购物类网站提供支持的后台管理服务器(仅为示例)。后台管理服务器可以对接收到的产品信息查询请求等数据进行分析等处理，并将处理结果(例如目标推送信息、产品信息--仅为示例)反馈给终端设备。
需要说明的是，本公开实施例所提供的基于数字货币子钱包的支付标记化方法一般由服务器605执行，相应地，基于数字货币子钱包的支付标记化装置一般设置于服务器605中。
应该理解，图6中的终端设备、网络和服务器的数目仅仅是示意性的。根据实现需要，可以具有任意数目的终端设备、网络和服务器。
下面参考图7，其示出了适于用来实现本公开实施例的终端设备的计算机系统700的结构示意图。图7示出的终端设备仅仅是一个示例，不应对本公开实施例的功能和使用范围带来任何限制。
如图7所示，计算机系统700包括中央处理单元(CPU)701，其可以根据存储在只读存储器(ROM)702中的程序或者从存储部分708加载到随机访问存储器(RAM)703中的程序而执行各种适当的动作和处理。在RAM 703中，还存储有系统700操作所需的各种程序和数据。CPU 701、ROM 702以及RAM 703通过总线704彼此相连。输入/输出(I/O)接口705也连接至总线704。
以下部件连接至I/O接口705：包括键盘、鼠标等的输入部分706；包括诸如阴极射线管(CRT)、液晶显示器(LCD)等以及扬声器等的 输出部分707；包括硬盘等的存储部分708；以及包括诸如LAN卡、调制解调器等的网络接口卡的通信部分709。通信部分709经由诸如因特网的网络执行通信处理。驱动器710也根据需要连接至I/O接口705。可拆卸介质711，诸如磁盘、光盘、磁光盘、半导体存储器等等，根据需要安装在驱动器710上，以便于从其上读出的计算机程序根据需要被安装入存储部分708。
特别地，根据本公开的实施例，上文参考流程图描述的过程可以被实现为计算机软件程序。例如，本公开的实施例包括一种计算机程序产品，其包括承载在计算机可读介质上的计算机程序，该计算机程序包含用于执行流程图所示的方法的程序代码。在这样的实施例中，该计算机程序可以通过通信部分709从网络上被下载和安装，和/或从可拆卸介质711被安装。在该计算机程序被中央处理单元(CPU)701执行时，执行本公开的系统中限定的上述功能。
需要说明的是，本公开所示的计算机可读介质可以是计算机可读信号介质或者计算机可读存储介质或者是上述两者的任意组合。计算机可读存储介质例如可以是——但不限于——电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。计算机可读存储介质的更具体的例子可以包括但不限于：具有一个或多个导线的电连接、便携式计算机磁盘、硬盘、随机访问存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑磁盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。在本公开中，计算机可读存储介质可以是任何包含或存储程序的有形介质，该程序可以被指令执行系统、装置或者器件使用或者与其结合使用。而在本公开中，计算机可读的信号介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了计算机可读的程序代码。这种传播的数据信号可以采用多种形式，包括但不限于电磁信号、光信号或上述的任意合适的组合。计算机可读的信号介质还可以是计算机可读存储介质以外的任何 计算机可读介质，该计算机可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。计算机可读介质上包含的程序代码可以用任何适当的介质传输，包括但不限于：无线、电线、光缆、RF等等，或者上述的任意合适的组合。
附图中的流程图和框图，图示了按照本公开各种实施例的系统、方法和计算机程序产品的可能实现的体系架构、功能和操作。在这点上，流程图或框图中的每个方框可以代表一个模块、程序段、或代码的一部分，上述模块、程序段、或代码的一部分包含一个或多个用于实现规定的逻辑功能的可执行指令。也应当注意，在有些作为替换的实现中，方框中所标注的功能也可以以不同于附图中所标注的顺序发生。例如，两个接连地表示的方框实际上可以基本并行地执行，它们有时也可以按相反的顺序执行，这依所涉及的功能而定。也要注意的是，框图或流程图中的每个方框、以及框图或流程图中的方框的组合，可以用执行规定的功能或操作的专用的基于硬件的系统来实现，或者可以用专用硬件与计算机指令的组合来实现。
描述于本公开实施例中所涉及到的模块可以通过软件的方式实现，也可以通过硬件的方式来实现。所描述的模块也可以设置在处理器中，例如，可以描述为：一种处理器包括请求解析模块、密码校验模块、子钱包开立模块和标记生成模块。其中，这些模块的名称在某种情况下并不构成对该模块身的限定，例如，请求解析模块还可以被描述为“向标记服务提供方发送支付标记生成请求的模块”。
作为另一方面，本公开还提供了一种计算机可读介质，该计算机可读介质可以是上述实施例中描述的设备中所包含的；也可以是单独存在，而未装配入该设备中。上述计算机可读介质承载有一个或者多个程序，当上述一个或者多个程序被一个该设备执行时，使得该设备包括：
从用户的支付标记获取请求中解析出目标数字钱包、目标商户和 与所述目标数字钱包对应的钱包支付密码；
将所述钱包支付密码发送至所述目标数字钱包的钱包机构系统，以使所述目标数字钱包的钱包机构系统对所述钱包支付密码进行校验，接收所述目标数字钱包的钱包机构系统返回的校验结果；
在校验通过的情况下，向所述目标数字钱包的钱包机构系统发送子钱包开立请求，以使所述目标数字钱包的钱包机构系统生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包，接收所述目标数字货币钱包的钱包机构返回的子钱包开立结果；
在钱包开立成功的情况下，向标记服务提供方发送支付标记生成请求，以使所述标记服务提供方生成与所述数字货币子钱包对应的支付标记，接收所述标记服务提供方返回的支付标记生成结果。
根据本公开实施例的技术方案，能够让用户在数字钱包端预先完成支付标记化的建立，便于用户集中管理支付标记化关系，从而提升用户使用标记化支付的便捷性和安全性。
上述具体实施方式，并不构成对本公开保护范围的限制。本领域技术人员应该明白的是，取决于设计要求和其他因素，可以发生各种各样的修改、组合、子组合和替代。任何在本公开的精神和原则之内所作的修改、等同替换和改进等，均应包含在本公开保护范围之内。

Claims (18)

  1. 一种基于数字货币子钱包的支付标记化方法，包括：
    从用户的支付标记获取请求中解析出目标数字钱包、目标商户和与所述目标数字钱包对应的钱包支付密码；
    将所述钱包支付密码发送至所述目标数字钱包的钱包机构系统，以使所述目标数字钱包的钱包机构系统对所述钱包支付密码进行校验，接收所述目标数字钱包的钱包机构系统返回的校验结果；
    在校验通过的情况下，向所述目标数字钱包的钱包机构系统发送子钱包开立请求，以使所述目标数字钱包的钱包机构系统生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包，接收所述目标数字货币钱包的钱包机构返回的子钱包开立结果；
    在钱包开立成功的情况下，向标记服务提供方发送支付标记生成请求，以使所述标记服务提供方生成与所述数字货币子钱包对应的支付标记，接收所述标记服务提供方返回的支付标记生成结果。
  2. 如权利要求1所述的支付标记化方法，进一步包括：
    在接收用户的支付标记获取请求之前，从所述标记服务提供方获取所述用户的商户列表并发送至终端进行展示，以使所述用户从所述商户列表中筛选一个或多个商户作为所述目标商户；或者，
    在接收用户的支付标记获取请求之前，获取所述用户的数字钱包列表并发送至终端进行展示，以使所述用户从所述数字钱包列表中筛选所述目标数字钱包。
  3. 如权利要求2所述的支付标记化方法，进一步包括：
    在获取所述用户的数字钱包列表并发送至终端进行展示之后，响应于所述用户从所述数字钱包列表中筛选目标数字钱包的操作，获取与所述目标数字钱包对应的商户列表并发送至终端进行展示，以使所述用户从与所述目标数字钱包对应的商户列表中筛选一个或多个商户作为所述目标商户。
  4. 如权利要求2所述的支付标记化方法，进一步包括：在所述用户从所述商户列表中筛选一个或多个商户作为所述目标商户之后，获取所述目标商户的账号信息，对所述目标商户的账号信息进行校验并确认校验通过。
  5. 如权利要求4所述的支付标记化方法，其中，获取所述目标商户的账号信息，包括：
    判断本地存储设备中是否存在所述目标商户的账号信息；若是，则从所述本地存储设备中获取所述目标商户的账号信息；否则，从所述目标商户的商户机构系统获取所述目标商户的账号信息，并将获取到的所述目标商户的账号信息存入所述本地存储设备。
  6. 如权利要求4所述的支付标记化方法，其中，对所述目标商户的账号信息进行校验，包括：校验所述目标商户的实名信息和通讯信息是否一致；若是，则校验通过；否则，校验不通过。
  7. 如权利要求6所述的支付标记化方法，其中，所述标记服务提供方生成与所述数字货币子钱包对应的支付标记之后，将所述支付标记推送至所述目标数字钱包的钱包机构系统；所述目标数字钱包的钱包机构系统将所述支付标记推送至所述目标商户的商户机构系统；所述目标商户的商户机构系统将所述支付标记推送至所述目标商户的商户服务端系统；
    所述目标商户的商户服务端系统接收到所述支付标记后，向所述目标商户的商户机构系统返回应答消息；所述目标商户的商户机构系统接收到所述目标商户的商户机构系统返回的应答消息之后，向所述目标数字钱包的钱包机构系统返回应答消息；所述目标数字钱包的钱包机构系统接收到所述目标商户的商户机构系统返回的应答消息之后，向所述标记服务提供方返回应答消息；所述标记服务提供方接收到所述目标数字钱包的钱包机构系统返回的应答消息之后，生成所述支付 标记生成结果；
    其中，所述目标商户的商户服务端系统将所述支付标记推送至所述目标商户的商户终端，以使所述目标商户的商户终端展示所述目标商户的商户服务端系统推送的消息。
  8. 如权利要求1所述的支付标记化方法，进一步包括：在向所述目标数字钱包的钱包机构系统发送子钱包开立请求之前，确认不存在与所述目标数字钱包和所述目标商户对应的数字货币子钱包。
  9. 如权利要求8所述的支付标记化方法，其中，所述支付标记获取请求包括：用户在所述目标商户中的多个消费账户；
    向标记服务提供方发送支付标记生成请求，包括：分别向标记服务提供方发送与每个所述消费账户对应的支付标记生成请求，以使所述标记服务提供方分别生成与每个所述消费账户对应的一个支付标记。
  10. 如权利要求1-9任一所述的支付标记化方法，进一步包括：
    在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，响应于所述用户的针对待查询子钱包的限额查询请求，获取所述待查询子钱包的子钱包限额并发送至终端进行显示；或者，
    在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，接收所述用户的限额修改请求，从所述限额修改请求中解析待调整限额的待调整子钱包及其目标限额，将所述待调整子钱包及其目标限额发送至与所述待调整子钱包对应的钱包机构系统，以使与所述待调整子钱包对应的钱包机构系统将所述待调整子钱包的子钱包限额调整为所述目标限额。
  11. 如权利要求10所述的支付标记化方法，进一步包括：在接收所述用户的限额修改请求之前，获取所述待调整子钱包的当前限额，根据所述待调整子钱包的当前限额生成子钱包限额管理页面并发送至终端进行显示，以使所述用户通过在所述子钱包管理页面的操作设定 所述待调整子钱包的目标限额。
  12. 如权利要求10所述的支付标记化方法，进一步包括：在生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包之后，响应于所述用户基于目标子钱包的支付请求，对所述支付请求进行校验，以确定待支付金额小于等于所述目标子钱包的子钱包限额。
  13. 如权利要求1-9任一所述的支付标记化方法，进一步包括：在接收所述标记服务提供方返回的支付标记生成结果之后，获取所述目标数字钱包的风控等级、以及所述用户在所述目标商户中的消费账户的消费历史数据；根据所述消费账户的消费历史数据和所述风控等级，确定与所述消费账户对应的支付标记的支付限额。
  14. 一种基于数字货币子钱包的支付方法，包括：
    接收目标商户后台系统响应于用户的消费请求发送的收款请求，所述收款请求包括所述用户的与所述目标商户对应的数字货币子钱包的支付标记和收款额；
    根据所述支付标记确定与所述数字货币子钱包对应的目标运营机构后台系统，向所述目标运营机构后台系统发送收款请求报文；
    接收所述目标运营机构后台系统响应于所述收款请求报文转入的数字货币，在校验转入的数字货币与所述收款额一致的情况下，向所述目标商户后台系统推送支付结果信息，以使所述目标商户后台系统向所述用户推送支付成功信息；
    其中，所述支付标记是采用权利要求1-13任一所述的支付标记化方法生成的。
  15. 一种基于数字货币子钱包的支付标记化装置，包括：
    请求解析模块，从用户的支付标记获取请求中解析出目标数字钱包、目标商户和与所述目标数字钱包对应的钱包支付密码；
    密码校验模块，将所述钱包支付密码发送至所述目标数字钱包的 钱包机构系统，以使所述目标数字钱包的钱包机构系统对所述钱包支付密码进行校验，接收所述目标数字钱包的钱包机构系统返回的校验结果；
    子钱包开立模块，在校验通过的情况下，向所述目标数字钱包的钱包机构系统发送子钱包开立请求，以使所述目标数字钱包的钱包机构系统生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包，接收所述目标数字货币钱包的钱包机构返回的子钱包开立结果；
    标记生成模块，在钱包开立成功的情况下，向标记服务提供方发送支付标记生成请求，以使所述标记服务提供方生成与所述数字货币子钱包对应的支付标记，接收所述标记服务提供方返回的支付标记生成结果。
  16. 一种基于数字货币子钱包的支付标记化系统，包括：数字钱包系统、标记服务提供方、钱包机构系统；其中，
    所述数字钱包系统从用户的支付标记获取请求中解析出目标数字钱包、目标商户和与所述目标数字钱包对应的钱包支付密码；将所述钱包支付密码发送至所述目标数字钱包的钱包机构系统，以使所述目标数字钱包的钱包机构系统对所述钱包支付密码进行校验；
    在校验通过的情况下，所述数字钱包系统向所述目标数字钱包的钱包机构系统发送子钱包开立请求，所述目标数字钱包的钱包机构系统生成与所述目标数字钱包和所述目标商户对应的数字货币子钱包，向所述数字钱包系统返回子钱包开立结果；
    所述数字钱包系统在根据所述钱包开立结果判定钱包开立成功的情况下，向标记服务提供方发送支付标记生成请求；
    所述标记服务提供方生成与所述数字货币子钱包对应的支付标记，然后向所述数字钱包系统返回支付标记生成结果。
  17. 一种基于数字货币子钱包的支付标记化电子设备，包括：
    一个或多个处理器；
    存储装置，用于存储一个或多个程序，
    当所述一个或多个程序被所述一个或多个处理器执行，使得所述一个或多个处理器实现如权利要求1-14中任一所述的方法。
  18. 一种计算机可读介质，其上存储有计算机程序，所述程序被处理器执行时实现如权利要求1-14中任一所述的方法。
PCT/CN2022/124050 2021-10-11 2022-10-09 基于数字货币子钱包的支付标记化方法、装置和系统 WO2023061285A1 (zh)

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CN105512876A (zh) * 2015-12-25 2016-04-20 上海易码信息科技有限公司 金融卡支付结算方法
CN109034818A (zh) * 2018-06-19 2018-12-18 阿里巴巴集团控股有限公司 生成支付标记、利用支付标记进行验证的方法及装置
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CN105512876A (zh) * 2015-12-25 2016-04-20 上海易码信息科技有限公司 金融卡支付结算方法
CN109034818A (zh) * 2018-06-19 2018-12-18 阿里巴巴集团控股有限公司 生成支付标记、利用支付标记进行验证的方法及装置
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