WO2023088467A1 - 数字货币支付方法和装置 - Google Patents

数字货币支付方法和装置 Download PDF

Info

Publication number
WO2023088467A1
WO2023088467A1 PCT/CN2022/133235 CN2022133235W WO2023088467A1 WO 2023088467 A1 WO2023088467 A1 WO 2023088467A1 CN 2022133235 W CN2022133235 W CN 2022133235W WO 2023088467 A1 WO2023088467 A1 WO 2023088467A1
Authority
WO
WIPO (PCT)
Prior art keywords
digital currency
currency wallet
information
collection terminal
random number
Prior art date
Application number
PCT/CN2022/133235
Other languages
English (en)
French (fr)
Inventor
狄刚
穆长春
赵新宇
闫建丽
崔沛东
陈松
Original Assignee
中国人民银行数字货币研究所
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 中国人民银行数字货币研究所 filed Critical 中国人民银行数字货币研究所
Publication of WO2023088467A1 publication Critical patent/WO2023088467A1/zh

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present disclosure relates to the field of computer technology, and in particular to a digital currency payment method and device.
  • the public pilot digital currency transactions support one-time payment, such as shopping malls/supermarkets, subway ticket purchases, etc. There is no unified payment scheme for hourly charging, shared bicycle charging, high-speed non-stop charging, etc.
  • the embodiments of the present disclosure provide a digital currency payment method and device, which can provide an implementation solution for digital currency extended consumption payment, so that digital currency can be used for fast payment in a non-one-off payment scenario.
  • a digital currency payment method is provided.
  • a digital currency payment method comprising: at the charging start stage, a digital currency wallet establishes a first communication connection with a collection terminal, and performs an entry registration operation, and the entry registration operation includes: the digital currency wallet receiving and storing the entry information required for the start of billing sent by the collection terminal; at the end of the billing stage, the digital currency wallet establishes a second communication connection with the collection terminal, and completes the exit deduction operation, the The deduction operation includes: the digital currency wallet transfers the entry information to the collection terminal, so that the collection terminal calculates the collection amount according to the entry information and the exit information required for the end of billing , the digital currency wallet receives the payment amount returned by the payment terminal, and performs digital currency balance deduction according to the payment amount.
  • the entry registration operation further includes: performing a first two-way identity authentication with the payment collection terminal, and determining that the first two-way identity authentication passes; and, the The on-site deduction operation further includes: performing a second two-way identity authentication with the payment collection terminal, and determining that the second two-way identity authentication passes.
  • performing the first two-way identity authentication or the second two-way identity authentication between the digital currency wallet and the collection terminal includes: the digital currency wallet receives the The authentication request of the payment collection terminal, and send the first public key certificate and the first random number of the digital currency wallet to the payment collection terminal, and the authentication request includes the second public key certificate of the payment collection terminal , the first random number is generated by the digital currency wallet; the digital currency wallet receives the first random number signature and the second random number sent by the collection terminal, and the first random number signature is the The collection terminal uses the private key corresponding to the second public key certificate to sign the first random number, and the second random number is generated by the collection terminal; the digital currency wallet uses the The public key in the second public key certificate verifies the signature of the first random number, and after the verification is passed, the private key corresponding to the first public key certificate is used to sign the second random number to obtain the second random number signature, and send the second random number signature to the collection terminal for verification.
  • the entry information and the first random number signature are synchronously sent to the digital currency wallet by the collection terminal; and Or, in the operation of deducting money from the field, the entry information and the second random number signature are synchronously sent to the collection terminal by the digital currency wallet.
  • the digital currency wallet and the collection terminal are based on DSRC (Dedicated Short Range Communications, dedicated short-range communication technology), NFC (Near Field Communication), Bluetooth, WiFi (Wireless Fidelity, Wireless Fidelity) to establish the first communication connection or the second communication connection.
  • DSRC Dedicated Short Range Communications, dedicated short-range communication technology
  • NFC Near Field Communication
  • WiFi Wireless Fidelity, Wireless Fidelity
  • the digital currency wallet also receives and stores the exit information returned by the collection terminal, and according to the exit information, the collection amount Generate payment information with the result of the balance deduction, and send the payment information to the payment collection terminal, so that the payment collection terminal uploads the payment information to the backstage of the operating institution of the digital currency in real time or asynchronously System reconciliation.
  • the digital currency wallet writes the entry information or the exit information into the application in the digital currency wallet according to the file writing instruction issued by the collection terminal file to store the entry information or the exit information.
  • the digital currency wallet converts the entry information or the exit information received by the payment terminal to to store.
  • a digital currency payment method is provided.
  • a digital currency payment method comprising: at the beginning of billing, a collection terminal establishes a first communication connection with a digital currency wallet, and executes an entry registration process, and the entry registration process includes: the collection terminal sends The digital currency wallet sends the entry information required for the start of billing; at the end of the billing stage, the collection terminal establishes a second communication connection with the digital currency wallet, and executes the exit collection process, and the exit collection
  • the process includes: receiving the entry information transmitted by the digital currency wallet, calculating the amount of money received according to the entry information and the exit information required for the end of billing, and returning the amount of money collected to the digital currency wallet , so that the digital currency wallet can perform digital currency balance deduction according to the received amount.
  • the entry registration process further includes: performing a first two-way identity authentication with the digital currency wallet, and determining that the first two-way identity authentication is passed; and, the The process of collecting money at the scene further includes: performing a second two-way identity authentication with the digital currency wallet, and determining that the second two-way identity authentication is passed.
  • performing the first two-way identity authentication or the second two-way identity authentication between the payment collection terminal and the digital currency wallet includes: sending the payment collection terminal to the The digital currency wallet sends an authentication request, and receives the first public key certificate and the first random number of the digital currency wallet sent by the digital currency wallet, and the authentication request includes the second public key of the collection terminal Certificate, the first random number is generated by the digital currency wallet; the collection terminal uses the private key corresponding to the second public key certificate to sign the first random number to obtain the first random number signature , and send the first random number signature and the second random number to the digital currency wallet, the second random number is generated by the collection terminal; the collection terminal receives the digital currency wallet sent The second random number signature of the first public key certificate, and use the public key in the first public key certificate to verify the second random number signature, the second random number signature is the digital currency wallet using the first public key obtained by signing the second random number with the private key corresponding to the key certificate.
  • the entry information and the first random number signature are synchronously sent to the digital currency wallet by the collection terminal;
  • the entry information and the second random number signature are synchronously sent to the collection terminal by the digital currency wallet.
  • the collection terminal and the digital currency wallet establish the first communication connection or the second communication connection based on any one of DSRC, NFC, Bluetooth, and WiFi.
  • the collection terminal at the end of charging, also returns the appearance information and the result of the balance deduction to the digital currency wallet, so that the digital currency wallet can Generate payment information according to the appearance information, the amount of money received, and the result of the balance deduction.
  • the collection terminal After receiving the payment information sent by the digital currency wallet, the collection terminal will send the payment information to Or asynchronously upload to the background system of the operating institution of the digital currency for reconciliation.
  • the collection terminal writes the entry information or the exit information into the application file in the digital currency wallet through a file writing instruction, so that the digital currency The wallet stores the entry information or the exit information.
  • the collection terminal transmits the entry information or the exit information to the digital currency wallet through a dedicated transaction instruction or an application extension instruction, so that the digital currency wallet Store the entry information or the exit information.
  • a digital currency payment device is provided.
  • a digital currency payment device which is set in a digital currency wallet, the device includes: an entry registration operation module, used to establish a first communication connection with the payment collection terminal at the beginning of charging, and perform an entry registration operation,
  • the entry registration operation includes: receiving and storing the entry information required for the start of billing sent by the payment terminal;
  • Two communication connections, and complete the exit deduction operation the exit deduction operation includes: passing the entry information to the collection terminal, so that the collection terminal completes the payment according to the entry information and billing Calculate the collection amount based on the required exit information, receive the collection amount returned by the collection terminal, and perform digital currency balance deduction according to the collection amount.
  • it further includes a two-way authentication module, configured to: perform a first two-way identity authentication with the payment collection terminal, and determine that the first two-way identity authentication passes; and, use In: performing a second two-way identity authentication with the payment collection terminal, and determining that the second two-way identity authentication is passed.
  • a two-way authentication module configured to: perform a first two-way identity authentication with the payment collection terminal, and determine that the first two-way identity authentication passes; and, use In: performing a second two-way identity authentication with the payment collection terminal, and determining that the second two-way identity authentication is passed.
  • the two-way authentication module is further configured to: receive the authentication request of the payment collection terminal, and send the first public key certificate and the first public key certificate of the digital currency wallet to the payment collection terminal
  • the first random number the authentication request includes the second public key certificate of the payment collection terminal, the first random number is generated by the two-way authentication module; receiving the first random number sent by the payment collection terminal signature and a second random number, the first random number signature is obtained by the collection terminal using the private key corresponding to the second public key certificate to sign the first random number, and the second random number generated by the collection terminal; use the public key in the second public key certificate to verify the first random number signature, and after the verification is passed, use the private key corresponding to the first public key certificate to verify the Signing the second random number to obtain a second random number signature, and sending the second random number signature to the collection terminal for verification.
  • the entry information and the first random number signature are synchronously sent to the digital currency wallet by the collection terminal; and Or, in the operation of deducting money from the field, the entry information and the second random number signature are synchronously sent to the collection terminal by the digital currency wallet.
  • the first communication connection or the second communication connection is established between the digital currency wallet and the collection terminal based on any one of DSRC, NFC, Bluetooth, and WiFi.
  • the exit deduction operation module is further configured to: receive and store the exit information returned by the payment collection terminal at the end of charging stage, and according to the exit information, The collection amount and the result of the balance deduction generate payment information, and send the payment information to the payment collection terminal, so that the payment collection terminal uploads the payment information to the digital payment terminal in real time or asynchronously.
  • the back-end system of the currency operating agency performs reconciliation.
  • it further includes a first storage module, configured to write the entry information or the exit information into the digital currency according to the file writing instruction issued by the collection terminal
  • the application file in the wallet is used to store the entry information or the exit information.
  • it further includes a second storage module, configured to store the entry information received from the payment terminal according to the dedicated transaction instruction or application extension instruction issued by the payment terminal Or the appearance information is stored.
  • a digital currency payment device is provided.
  • a digital currency payment device which is set in a collection terminal, the device includes: an entry registration execution module, used to establish a first communication connection with a digital currency wallet at the beginning of charging, and execute an entry registration process,
  • the entry registration process includes: sending the entry information required for the start of billing to the digital currency wallet;
  • the exit collection execution module is used to establish a second communication connection with the digital currency wallet at the end of the charging stage , and execute the exit collection process,
  • the exit collection process includes: receiving the entry information transmitted by the digital currency wallet, and calculating the collection amount according to the entry information and the exit information required for the end of billing , returning the received amount to the digital currency wallet, so that the digital currency wallet performs digital currency balance deduction according to the received amount.
  • the entry registration execution module is further configured to: perform the first two-way identity authentication with the digital currency wallet, and determine that the first two-way identity authentication passes; and, the The cash collection execution module is further configured to: perform a second two-way identity authentication with the digital currency wallet, and determine that the second two-way identity authentication is passed.
  • an identity authentication module configured to: send an authentication request to the digital currency wallet, and receive the first public key certificate of the digital currency wallet sent by the digital currency wallet and the first random number, the authentication request includes the second public key certificate of the collection terminal, the first random number is generated by the digital currency wallet; use the private key corresponding to the second public key certificate key, sign the first random number to obtain the first random number signature, and send the first random number signature and the second random number to the digital currency wallet, the second random number is the identity Generated by the authentication module; receive the second random number signature sent by the digital currency wallet, and use the public key in the first public key certificate to verify the second random number signature, and the second random number signature It is obtained by signing the second random number with the private key corresponding to the first public key certificate by the digital currency wallet.
  • the entry information and the first random number signature are synchronously sent to the digital currency wallet by the collection terminal;
  • the entry information and the second random number signature are synchronously sent to the collection terminal by the digital currency wallet.
  • the payment collection terminal establishes the first communication connection or the second communication connection with the digital currency wallet based on any one of DSRC, NFC, Bluetooth, and WiFi.
  • the exit payment execution module is further configured to: return the exit information and the result of the balance deduction to the digital currency wallet at the end of the charging stage, so as to The digital currency wallet generates payment information according to the exit information, the amount of money received and the result of the balance deduction; After receiving the payment information, upload the payment information to the background system of the operating institution of the digital currency in real time or asynchronously for reconciliation.
  • an information writing module configured to write the entry information or the exit information into the application file in the digital currency wallet through a file write instruction, so that the The digital currency wallet stores the entry information or the exit information.
  • an electronic device is provided.
  • An electronic device comprising: one or more processors; a memory for storing one or more programs, when the one or more programs are executed by the one or more processors, the one or more Multiple processors implement the digital currency payment method provided by the embodiments of the present disclosure.
  • a computer-readable medium is provided.
  • FIG. 1 is a schematic diagram of main steps of a digital currency payment method according to an embodiment of the present disclosure
  • FIG. 2 is a schematic diagram of main steps of a digital currency payment method according to another embodiment of the present disclosure
  • Fig. 3 is a schematic diagram of the entry registration process for digital currency payment according to an embodiment of the present disclosure
  • Fig. 4 is a schematic diagram of a payment collection process for digital currency payment according to an embodiment of the present disclosure
  • Fig. 5 is a schematic diagram of main steps of a digital currency payment device according to an embodiment of the present disclosure
  • Fig. 6 is a schematic diagram of main steps of a digital currency payment device according to another embodiment of the present disclosure.
  • Fig. 7 is a system functional block diagram of digital currency payment according to an embodiment of the present disclosure.
  • FIG. 8 is an exemplary system architecture diagram to which embodiments of the present disclosure can be applied.
  • Fig. 9 is a schematic structural diagram of a computer system suitable for implementing a terminal device according to an embodiment of the present disclosure.
  • Fig. 1 is a schematic diagram of main steps of a digital currency payment method according to an embodiment of the present disclosure.
  • the digital currency payment method according to an embodiment of the present disclosure mainly includes the following steps S101 to S102.
  • the digital currency payment method in this embodiment is implemented by a digital currency wallet.
  • Step S101 In the billing start stage, the digital currency wallet establishes a first communication connection with the collection terminal, and performs an entry registration operation.
  • the entry registration operation includes: the digital currency wallet receives and stores the billing start information sent by the collection terminal. Admission information required;
  • the admission information can be determined according to different application scenarios.
  • the admission information can include information such as city code, subway line, incoming subway station, and incoming time.
  • Different industries can expand by themselves .
  • Step S102 At the end of billing, the digital currency wallet establishes a second communication connection with the collection terminal, and completes the exit deduction operation.
  • the exit deduction operation includes: the digital currency wallet transmits entry information to the collection terminal, so that the collection terminal The payment terminal calculates the payment amount based on the entry information and the exit information required for the end of billing, and the digital currency wallet receives the payment amount returned by the payment terminal, and performs digital currency balance deduction based on the payment amount.
  • the specific content included in the exit information can be determined according to different application scenarios.
  • the exit information can include city code, subway line, exit subway station, exit time and other information, and different industries can expand by themselves.
  • the collection terminal calculates the collection amount based on the entry information and the exit information required for the end of billing.
  • the collection amount can be calculated according to the billing rules set in the business scenario. For example, in the subway scenario, according to the incoming subway station, The outbound subway station, the subway billing rule between the two stations, calculates the collection amount.
  • the entry registration operation also includes: performing the first two-way identity authentication with the payment terminal, and determining that the first two-way identity authentication is passed; and, the exit deduction operation also includes: performing the second two-way identity authentication with the payment terminal. identity authentication, and determine that the second two-way identity authentication is passed.
  • the digital currency wallet conducts the first two-way identity authentication or the second two-way identity authentication with the payment terminal, and the process specifically includes: the digital currency wallet receives the authentication request from the payment terminal, and sends the digital currency wallet to the payment terminal.
  • the authentication request includes the second public key certificate of the receiving terminal.
  • the first random number is generated by the digital currency wallet; the digital currency wallet receives the first random number signature and the second random number sent by the receiving terminal.
  • Two random numbers, the first random number signature is obtained by the receiving terminal using the private key corresponding to the second public key certificate to sign the first random number, the second random number is generated by the receiving terminal; the digital currency wallet uses the second
  • the public key in the public key certificate verifies the signature of the first random number.
  • the private key corresponding to the first public key certificate is used to sign the second random number to obtain the second random number signature, and the second The random number signature is sent to the collection terminal for verification. If the signature verification sent by the digital currency wallet and the collection terminal to the other party passes, the two-way identity authentication (the first two-way identity authentication or the second two-way identity authentication) passes.
  • the entry information and the first random number signature may be synchronously sent to the digital currency wallet by the collection terminal; and/or, in the exit deduction operation, the entry information and the first random number signature The two random number signatures can be synchronously sent from the digital currency wallet to the collection terminal.
  • the digital currency wallet and the collection terminal establish a first communication connection or a second communication connection based on any one of DSRC, NFC, Bluetooth, and WiFi.
  • the digital currency wallet also receives and stores the appearance information returned by the payment terminal, and generates payment information based on the appearance information, the amount of payment and the result of the balance deduction, and sends the payment information to the payment terminal.
  • the collection terminal uploads the payment information in real time or asynchronously to the background system of the operating institution of the digital currency for reconciliation.
  • the payment information may include the information of the recipient and the payer, payment amount and other information.
  • the digital currency wallet writes the entry information or exit information into the application file in the digital currency wallet according to the file writing instruction issued by the collection terminal, so as to store the entry information or exit information.
  • the digital currency wallet stores the entry information or exit information received from the payment terminal according to the special transaction instruction or application extension instruction issued by the payment terminal.
  • the special transaction instruction or the application extension instruction can be an instruction agreed by the payee and the payer in advance through an agreement, etc., and is set according to the needs of specific business scenarios.
  • Fig. 2 is a schematic diagram of main steps of a digital currency payment method according to another embodiment of the present disclosure.
  • the digital currency payment method according to an embodiment of the present disclosure mainly includes the following steps S201 to S202.
  • the digital currency payment method in this embodiment is executed by the collection terminal.
  • Step S201 At the start of billing, the collection terminal establishes a first communication connection with the digital currency wallet, and executes the entry registration process, which includes: the collection terminal sends the entry required for the start of billing to the digital currency wallet; field information;
  • Step S202 At the end of billing, the collection terminal establishes a second communication connection with the digital currency wallet, and executes the exit collection process.
  • the exit collection process includes: receiving the entry information transmitted by the digital currency wallet, and according to the entry information Calculate the received amount with the appearance information required for the end of billing, and return the received amount to the digital currency wallet, so that the digital currency wallet can perform digital currency balance deduction according to the received amount.
  • the entry registration process also includes: performing the first two-way identity authentication with the digital currency wallet, and confirming that the first two-way identity authentication is passed; and, the exit collection process also includes: performing the second two-way identity authentication with the digital currency wallet. identity authentication, and determine that the second two-way identity authentication is passed.
  • the collection terminal performs the first two-way identity authentication or the second two-way identity authentication with the digital currency wallet.
  • the specific process includes: the collection terminal sends an authentication request to the digital currency wallet, and receives the digital currency wallet sent by the digital currency wallet.
  • a public key certificate and a first random number the authentication request includes the second public key certificate of the receiving terminal, the first random number is generated by the digital currency wallet; the receiving terminal uses the private key corresponding to the second public key certificate to The first random number is signed to obtain the first random number signature, and the first random number signature and the second random number are sent to the digital currency wallet.
  • the second random number is generated by the collection terminal; the collection terminal receives the digital currency wallet to send The second random number signature, and use the public key in the first public key certificate to verify the second random number signature, the second random number signature is the digital currency wallet using the private key corresponding to the first public key certificate to verify the second random number signature The number is signed.
  • the entry information and the first random number signature may be synchronously sent to the digital currency wallet by the collection terminal; in the exit collection process, the entry information and the second random number signature It can be synchronously sent to the collection terminal by the digital currency wallet.
  • the collection terminal and the digital currency wallet establish a first communication connection or a second communication connection based on any one of DSRC, NFC, Bluetooth, and WiFi.
  • the collection terminal also returns the exit information and the result of balance deduction to the digital currency wallet, so that the digital currency wallet can generate payment information based on the exit information, the amount received, and the result of balance deduction.
  • the digital currency wallet After receiving the payment information sent by the digital currency wallet, upload the payment information to the background system of the digital currency operating agency in real time or asynchronously for reconciliation.
  • the collection terminal writes the entry information or exit information into the application file in the digital currency wallet through the file writing instruction, so that the entry information or exit information is stored by the digital currency wallet.
  • the non-one-time payment of digital currency is called the extended consumption of digital currency.
  • the digital currency payment method in the embodiment of the present disclosure is applicable to various extended consumption scenarios of digital currency, including segmental billing and time-sharing billing , Charge by mileage and other application scenarios, such as bus/subway segment card swiping, parking lot hourly charging, shared bicycle charging, high-speed non-stop charging and other scenarios.
  • Fig. 3 is a schematic diagram of the entry registration process for digital currency payment according to an embodiment of the present disclosure.
  • the digital currency entry registration process of an embodiment of the present disclosure includes:
  • the merchant's collection terminal (POS (Point of sales) terminal is taken as an example in Figure 3) establishes a connection with the user's digital currency wallet (that is, the user's wallet) through short-distance communication;
  • the user's digital currency wallet and the merchant's payment terminal conduct two-way identity authentication
  • the merchant's collection terminal transmits the entry information to the user's digital currency wallet, and the user's digital currency wallet stores the entry information.
  • the short-distance communication in the embodiments of the present disclosure may adopt short-distance communication methods such as DSRC, NFC, Bluetooth, and WiFi.
  • the authentication method can adopt the PKI (Public Key Infrastructure, public key infrastructure) mode, and the digital currency wallet or payment collection terminal device applies to the operating institution system of the digital currency when opening the digital currency service, and the operating institution system
  • the public key certificates are issued to the digital currency wallet and the collection terminal respectively, and the operating institution system such as the bank operating institution system, the receiving and paying parties exchange public key certificates and random numbers, and use the private keys corresponding to their own public key certificates to verify each other’s
  • the sent random number is signed, and then the signed random number (that is, the random number signature) is sent to the other party, and the receiver and the payer also use the public key in the public key certificate sent by the other party to verify the received signature of the other party.
  • the two-way identity authentication process in PKI mode specifically includes: the digital currency wallet and the payment terminal exchange public key certificates and random numbers. Send to the collection terminal, and the collection terminal sends its own second public key certificate and the generated second random number to the digital currency wallet.
  • the digital currency wallet uses the private key corresponding to the first public key certificate to sign the second random number of the collection terminal obtained by the exchange, obtain the second random number signature, and send the second random number signature to the collection terminal for verification.
  • Check signature The collection terminal uses the private key corresponding to the second public key certificate to sign the first random number of the digital currency wallet obtained by the exchange, obtain the first random number signature, and send the first random number signature to the digital currency wallet for verification.
  • the digital currency wallet uses the public key in the second public key certificate of the payment terminal to verify the first random number signature sent by the payment terminal.
  • the collection terminal uses the public key in the first public key certificate of the digital currency wallet obtained through exchange to verify the second random number signature sent by the digital currency wallet. After both the digital currency wallet and the collection terminal have completed the signature verification and passed the verification, the user's digital currency wallet and the merchant's collection terminal will pass the two-way identity authentication.
  • the authentication method can adopt the preset shared key mode.
  • the digital currency wallet or collection terminal device opens the digital currency service
  • the digital currency operating agency system writes the shared key.
  • Two-way identity authentication can be performed using the shared key set.
  • the shared key can be used to verify the information (such as random numbers) sent by the other party. If the verification is passed, the two-way identity authentication is passed.
  • the user's digital currency wallet stores the entry information. Specifically, the entry information can be written into the application file in the wallet through the file writing command for storage, or the wallet application can use it according to the special transaction command or application extension command issued by the collection terminal.
  • Store admission information can contain detailed and specific content according to different application scenarios. For example, in the bus and subway scenarios, it should include information such as city code, time, line, and station. Different merchants can expand it by themselves.
  • the collection terminal can obtain the last record status stored in the user's digital currency wallet for judgment. And before the merchant's collection terminal transmits the entry information to the user's digital currency wallet, a supplementary collection can be performed. For example, for each payment, a record of the entry completion status can be generated after the entry registration, and correspondingly, a record of the exit completion state can be generated after the exit payment is received. After the communication is connected, and before the entry registration operation, you can read the records of the entry completion status and exit completion status of the last payment.
  • the following takes the digital currency card consumption scene in the subway as an example to introduce in detail the entry registration process of the digital currency payment in the embodiment of the present disclosure, which may include the following three steps:
  • the first step is to establish a connection between the subway gate terminal and the user's digital currency wallet through NFC near-field communication;
  • the subway gate terminal is the payment terminal
  • the user's digital currency wallet is the digital currency wallet of the payer user.
  • the subway gate terminal and the user's digital currency wallet perform two-way identity authentication, and the authentication method adopts the PKI mode (when the user's digital currency wallet and the gate terminal open digital currency services, they apply to the bank operating institution, and the bank operating institution downloads the digital currency service. Issue a public key certificate):
  • the subway gate terminal sends the gate public key certificate (that is, the second public key certificate) to the user's digital currency wallet, and initiates an authentication request;
  • the user wallet returns the gate authentication random number (i.e. the first random number) and the user public key certificate (i.e. the first public key certificate) as a response;
  • the subway gate terminal sends the gate signature and the user authentication random number (ie the second random number) to the user's digital currency wallet;
  • the gate signature is a signature generated by the subway gate terminal using the gate private key (that is, the private key corresponding to the second public key certificate) to encrypt the gate authentication random number, that is, the first random number signature.
  • the user's digital currency wallet verifies the signature of the gate, and if the verification is passed, calculates the user's signature and responds;
  • the user signature is a signature generated by the digital currency wallet using the user's private key (that is, the private key corresponding to the first public key certificate) to encrypt the user authentication random number, that is, the second random number signature.
  • the subway gate terminal sends the entry information to the user's digital currency wallet, and the user's digital currency wallet stores the entry information.
  • the storage admission information can be written into the application file in the wallet through the file writing command issued by the subway gate terminal for storage, or it can also be used by the user's digital currency wallet according to the special transaction command or application extension command issued by the subway gate terminal. self storage.
  • the admission information can contain detailed and specific content according to different application scenarios. For example, in the subway scenario, it should include information such as city code, subway line, subway station, and entry time. Different industries can expand by themselves.
  • the third step of the above entry registration process can be combined with the two steps c) and d) in the second step. That is, while the subway gate terminal sends the gate signature to the user's digital currency wallet, it can also send the entry information at the same time. After the user's digital currency wallet verifies the gate signature, it stores the entry information, and then calculates the user's signature as a response.
  • Fig. 4 is a schematic diagram of the exit collection process of digital currency payment according to an embodiment of the present disclosure. As shown in Fig. 4, the exit collection flow of digital currency payment according to an embodiment of the present disclosure is as follows:
  • the merchant's collection terminal (POS terminal is taken as an example in Figure 4) establishes a connection with the user's digital currency wallet (that is, the user's wallet) through short-distance communication;
  • the merchant's payment collection terminal executes payment collection.
  • the establishment method of the short-distance communication connection and the specific process of two-way identity authentication can be found in the introduction of relevant content in the admission registration process above.
  • the user's digital currency wallet and the merchant's collection terminal generate their own random numbers, and pass the generated random numbers, public key certificates, and signatures to the other party.
  • the signature is a random number sent to the other party using the private key corresponding to its own public key certificate.
  • the user wallet returns the gate authentication random number (that is, the first random number) to the subway gate terminal, and the subway gate terminal uses the private key of the gate (that is, the private key corresponding to the second public key certificate) to
  • the gate authentication random number is encrypted to generate a signature, and the gate signature is obtained, that is, the first random number signature, and the signature is sent to the user wallet.
  • the specific process of the merchant's payment collection terminal to perform payment collection includes:
  • the merchant's collection terminal obtains the entry information stored in the user's digital currency wallet.
  • This step can be read from the digital currency wallet application file through the file readout command issued by the merchant’s collection terminal, or it can also be obtained from the digital currency wallet application through a special transaction command or an application extension command. Through this step, the user The entry information of the digital currency wallet is sent to the merchant's collection terminal.
  • the merchant's collection terminal calculates the collection amount according to the business charging rules.
  • the business charging rules in this step are pre-established according to specific business requirements.
  • the merchant's collection terminal transmits the collection amount and exit information to the user's digital currency wallet.
  • the user's digital currency wallet stores exit information.
  • Storage and exit information can be stored according to file writing instructions, special transaction instructions, or application extension instructions. For details, please refer to the introduction to storing entry information.
  • the exit information can contain detailed and specific content according to different application scenarios.
  • User digital currency The wallet deducts the balance and returns the payment information to the merchant's payment terminal.
  • the collection terminal can adopt delayed collection, that is, after receiving the payment information from the user's digital currency wallet, release/release the goods on the spot, and then upload them asynchronously to the digital currency transaction system (that is, the digital currency operating institution system) , to realize the online account reconciliation of the institution's background system (such as the background system of the bank operating institution).
  • the following takes the digital currency subway card consumption scenario as an example to introduce in detail the exit collection process of digital currency payment in the embodiment of the present disclosure.
  • the exit collection process includes the following three steps:
  • the first step is to establish a connection between the subway gate terminal and the user's digital currency wallet through NFC near-field communication;
  • the subway gate terminal and the user's digital currency wallet conduct two-way identity authentication
  • This two-way identity verification is the same as the two-way identity verification process in the admission registration process;
  • the subway gate terminal executes payment collection, and the specific steps include:
  • the subway gate terminal sends an instruction, which is used to obtain the entry information stored in the user's digital currency wallet;
  • This step can be read from the digital currency wallet application file through the file read command, or can also be obtained from the user wallet through a special transaction command or an application extension command;
  • the subway gate terminal calculates the amount of payment according to the subway business charging rules, admission information and current station information;
  • the way of storing the exit information is the same as that of storing the entry information, please refer to the introduction of the above embodiments.
  • the exit information in this embodiment may include information such as city code, subway line, subway station, and exit time), the user's digital currency wallet deducts the wallet balance, and returns payment information to the subway gate terminal;
  • the subway gate terminal transmits the payment information returned by the user's digital currency wallet to the digital currency transaction system in real time or delayed through remote communication.
  • the digital currency trading system is the background system of the digital currency operating organization, which realizes online reconciliation through the operating organization background system and completes online collection.
  • the data transfer in the third step (excluding step e)) in the above-mentioned exit collection process can be combined with the second step optimization, that is, the digital currency wallet can combine the entry information with the user's signature (that is, the second step Random number signature) is sent to the subway gate terminal synchronously.
  • Fig. 5 is a schematic diagram of main steps of a digital currency payment device according to an embodiment of the present disclosure.
  • a digital currency payment device 500 according to an embodiment of the present disclosure is set in a digital currency wallet.
  • the digital currency payment device 500 mainly includes: an entry registration operation module 501 and an exit deduction operation module 502 .
  • the entry registration operation module 501 is used to establish a first communication connection with the payment collection terminal at the charging start stage, and perform the entry registration operation.
  • the entry registration operation includes: receiving and storing the charging start information sent by the payment collection terminal Admission information required.
  • the exit deduction operation module 502 is used to establish a second communication connection with the collection terminal at the end of the billing stage, and complete the exit deduction operation.
  • the exit deduction operation includes: transmitting entry information to the collection terminal, so that the collection
  • the payment terminal calculates the payment amount according to the entry information and the exit information required for the end of billing.
  • the exit deduction operation module 502 is also used to receive the collection amount returned by the collection terminal, and perform digital currency balance deduction according to the collection amount .
  • the digital currency payment device 500 also includes a two-way authentication module, configured to: perform the first two-way identity authentication with the payment collection terminal, and determine that the first two-way identity authentication passes; and, for: carry out the first two-way identity authentication with the payment collection terminal second two-way identity authentication, and determine that the second two-way identity authentication is passed.
  • a two-way authentication module configured to: perform the first two-way identity authentication with the payment collection terminal, and determine that the first two-way identity authentication passes; and, for: carry out the first two-way identity authentication with the payment collection terminal second two-way identity authentication, and determine that the second two-way identity authentication is passed.
  • the two-way authentication module is also used to: receive the authentication request of the payment terminal, and send the first public key certificate and the first random number of the digital currency wallet to the payment terminal, the authentication request includes the second public key certificate of the payment terminal,
  • the first random number is generated by the two-way authentication module; receiving the first random number signature and the second random number sent by the collection terminal, the first random number signature is the collection terminal using the private key corresponding to the second public key certificate to the first
  • the second random number is generated by the receiving terminal; the first random number signature is verified using the public key in the second public key certificate, and after the verification is passed, the corresponding The private key signs the second random number to obtain the second random number signature, and sends the second random number signature to the collection terminal for verification.
  • the entry information and the first random number signature are synchronously sent to the digital currency wallet by the collection terminal; and/or, in the exit deduction operation, the entry information and the second random number signature are sent by the digital currency
  • the currency wallet is sent to the collection terminal synchronously.
  • the digital currency wallet and the collection terminal establish a first communication connection or a second communication connection based on any one of DSRC, NFC, Bluetooth, and WiFi.
  • the appearance deduction operation module 502 is also used for: at the billing end stage, receive and store the appearance information returned by the collection terminal, and generate payment information according to the appearance information, the amount of money received and the result of balance deduction, and send the payment information to The collection terminal is used to reconcile the payment information uploaded by the collection terminal to the back-end system of the digital currency operator in real time or asynchronously.
  • the digital currency payment device 500 also includes a first storage module, configured to write the entry information or exit information into the application file in the digital currency wallet according to the file writing instruction issued by the cash collection terminal, so as to store Entry information or exit information.
  • the digital currency payment device 500 also includes a second storage module, which is used to store the entry information or exit information received from the payment terminal according to the special transaction instruction or application extension instruction issued by the payment terminal. to store.
  • Fig. 6 is a schematic diagram of main steps of a digital currency payment device according to another embodiment of the present disclosure.
  • a digital currency payment device 600 according to an embodiment of the present disclosure is set in a collection terminal.
  • the digital currency payment device 600 mainly includes: an entry registration execution module 601 , and an exit collection execution module 602 .
  • the entry registration execution module 601 is used to establish a first communication connection with the digital currency wallet at the start of billing, and execute the entry registration process.
  • the entry registration process includes: sending the entry required for the start of billing to the digital currency wallet field information.
  • Exit collection execution module 602 used to establish a second communication connection with the digital currency wallet at the end of the billing stage, and execute the exit collection process.
  • the exit collection process includes: receiving the entry information transmitted by the digital currency wallet, and according to The entry information and the exit information required for the end of billing calculate the received amount, and return the received amount to the digital currency wallet, so that the digital currency wallet can perform digital currency balance deduction according to the received amount.
  • the entry registration execution module 601 is also used to: perform the first two-way identity authentication with the digital currency wallet, and determine that the first two-way identity authentication is passed; The second two-way identity authentication is performed, and it is determined that the second two-way identity authentication is passed.
  • the digital currency payment device 600 also includes an identity authentication module, configured to: send an authentication request to the digital currency wallet, and receive the first public key certificate and the first random number of the digital currency wallet sent by the digital currency wallet.
  • the second public key certificate of the terminal, the first random number is generated by the digital currency wallet; use the private key corresponding to the second public key certificate to sign the first random number to obtain the first random number signature, and the first random number
  • the signature and the second random number are sent to the digital currency wallet, and the second random number is generated by the identity authentication module; receive the second random number signature sent by the digital currency wallet, and use the public key in the first public key certificate to pair the second random number
  • the second random number signature is obtained by the digital currency wallet using the private key corresponding to the first public key certificate to sign the second random number.
  • the entry information and the first random number signature are sent to the digital currency wallet synchronously by the collection terminal; in the exit collection process, the entry information and the second random number signature are sent synchronously by the digital currency wallet to the payment terminal.
  • the collection terminal and the digital currency wallet establish a first communication connection or a second communication connection based on any mode in DSRC, NFC, Bluetooth, and WiFi.
  • Appearance collection execution module 602 is also used for: at the end of billing stage, return the appearance information and the result of balance deduction to the digital currency wallet, so that the digital currency wallet generates payment according to the appearance information, collection amount and the result of balance deduction Information; the payment collection execution module 602 is also used for: after receiving the payment information sent by the digital currency wallet, upload the payment information to the background system of the digital currency operating organization in real time or asynchronously for reconciliation.
  • the digital currency payment device 600 also includes an information writing module, which is used to write the entry information or exit information into the application file in the digital currency wallet through the file writing command, so that the digital currency wallet stores the entry information or exit information.
  • Fig. 7 is a functional block diagram of a digital currency payment system according to an embodiment of the present disclosure.
  • the digital currency payment in one embodiment of the present disclosure includes entry registration, exit collection, and background reconciliation.
  • One entry registration process and one exit collection process constitute a complete digital currency extended consumption process.
  • Entry registration refers to verifying the legitimacy of the user's identity when the user enters the billing area to start consumption, and at the same time records entry information (such as entry time, route, station number, etc.) to the digital currency wallet, It is used for billing when it is acquired.
  • Cash collection at the venue means that when the user is about to leave the billing area to end consumption, the cash collection terminal calculates the amount of money to be collected after obtaining the admission information, and collects money from the user's digital currency wallet. After the payment is collected, it also includes background reconciliation through the background system of the digital currency operating institution. For details, please refer to the introduction of the above embodiment.
  • the digital currency payment scheme of the embodiment of the present disclosure is used in the extended consumption scenario.
  • the entry registration is release, and the payment is delayed when the exit is received.
  • the collection terminal only calculates the amount of payment when the user exits the field to obtain the user's payment password.
  • the text is released immediately, and the subsequent collection terminal asynchronously uploads the payment ciphertext to the operation background to perform online collection and reconciliation, so as to achieve the purpose of fast transactions and meet the needs of public transportation, subways, ETC (electronic non-stop charging system), ETCP (a wireless Smart parking platform for personal charges) and other fast payment needs.
  • Fig. 8 shows an exemplary system architecture 800 in which the digital currency payment method or digital currency payment device of the embodiments of the present disclosure can be applied.
  • a system architecture 800 may include terminal devices 801 , 802 , and 803 , a network 804 and a server 805 .
  • the network 804 is used as a medium for providing communication links between the terminal devices 801 , 802 , 803 and the server 805 .
  • Network 804 may include various connection types, such as wires, wireless communication links, or fiber optic cables, among others.
  • terminal devices 801, 802, 803 Users can use terminal devices 801, 802, 803 to interact with server 805 through network 804 to receive or send messages and the like.
  • Various communication client applications can be installed on the terminal devices 801, 802, and 803, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (just examples).
  • the terminal devices 801, 802, and 803 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 805 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 801 , 802 , and 803 (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.
  • digital currency payment methods are generally executed by terminal devices 801 , 802 , and 803 , and correspondingly, digital currency payment devices are generally set in terminal devices 801 , 802 , and 803 .
  • terminal devices, networks and servers in FIG. 8 are only illustrative. According to the implementation needs, there can be any number of terminal devices, networks and servers.
  • FIG. 9 shows a schematic structural diagram of a computer system 900 suitable for implementing a terminal device according to an embodiment of the present application.
  • the terminal device shown in FIG. 9 is only an example, and should not limit the functions and scope of use of this embodiment of the present application.
  • a computer system 900 includes a central processing unit (CPU) 901 that can be programmed according to a program stored in a read-only memory (ROM) 902 or a program loaded from a storage section 908 into a random access memory (RAM) 903 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 900 are also stored.
  • the CPU 901, ROM 902, and RAM 903 are connected to each other via a bus 904.
  • An input/output (I/O) interface 905 is also connected to the bus 904 .
  • the following components are connected to the I/O interface 905: an input section 906 including a keyboard, a mouse, etc.; an output section 907 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker; a storage section 908 including a hard disk, etc. and a communication section 909 including a network interface card such as a LAN card, a modem, or the like.
  • the communication section 909 performs communication processing via a network such as the Internet.
  • a drive 910 is also connected to the I/O interface 905 as needed.
  • a removable medium 911 such as a magnetic disk, optical disk, magneto-optical disk, semiconductor memory, etc. is mounted on the drive 910 as necessary so that a computer program read therefrom is installed into the storage section 908 as necessary.
  • the processes described above with reference to the flowcharts can be implemented as computer software programs.
  • the disclosed 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 909 and/or installed from removable media 911 .
  • this computer program is executed by a central processing unit (CPU) 901
  • 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, device, 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, in which computer-readable program codes are carried. 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 an entry registration operation module and an exit payment deduction operation module.
  • a processor includes an entry registration operation module and an exit payment deduction operation module.
  • the names of these modules do not constitute a limitation of the module itself under certain circumstances.
  • the entry registration operation module can also be described as "used to establish the first communication with the payment terminal at the charging start stage.”
  • 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 one of the devices, the device includes: at the charging start stage, the digital currency wallet establishes a first communication connection with the collection terminal , and perform the entry registration operation, the entry registration operation includes: the digital currency wallet receives and stores the entry information required for the start of billing sent by the collection terminal; at the end of the billing stage, the digital currency The currency wallet establishes a second communication connection with the collection terminal, and completes the exit deduction operation, the exit deduction operation includes: the digital currency wallet transmits the entry information to the collection terminal, so that the The collection terminal calculates the collection amount according to the entry information and the exit information required for the end of billing, the digital currency wallet receives the collection amount returned by the collection terminal, and calculates the collection amount according to the collection amount Perform digital currency
  • make the device include: at the charging start stage, the collection terminal establishes a first communication connection with the digital currency wallet, and executes the entry registration process, and the entry registration process includes: the collection terminal sends the digital currency wallet The currency wallet sends the entry information required for the start of billing; at the end of the billing stage, the collection terminal establishes a second communication connection with the digital currency wallet, and executes the exit collection process, and the exit collection process includes : receiving the entry information transmitted by the digital currency wallet, and calculating the amount of money received according to the entry information and the exit information required for the end of billing, and returning the amount of money collected to the digital currency wallet to The digital currency balance deduction is performed by the digital currency wallet according to the received amount.
  • the digital currency wallet establishes the first communication connection with the payment terminal, and performs the entry registration operation, including: the digital currency wallet receives and stores the charging information sent by the payment terminal Start the required entry information; at the end of the billing stage, the digital currency wallet establishes a second communication connection with the collection terminal, and completes the exit deduction operation, including: the digital currency wallet transmits the entry information to the collection terminal to be used by The collection terminal calculates the collection amount according to the entry information and the exit information required for the end of billing, and the digital currency wallet receives the collection amount returned by the collection terminal, and performs digital currency balance deduction according to the collection amount. It is able to provide an implementation scheme for extended consumption payment of digital currency, so that digital currency can be used for fast payment in non-one-off payment scenarios.

Landscapes

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

Abstract

本申请公开了一种数字货币支付方法和装置，涉及计算机技术领域。方法的一具体实施方式包括：在计费开始阶段，数字货币钱包与收款终端建立第一通信连接，并进行如下入场登记操作：数字货币钱包接收及存储收款终端发送的计费开始所需的入场信息；在计费结束阶段，数字货币钱包与收款终端建立第二通信连接，并完成如下出场扣款操作：数字货币钱包向收款终端传递入场信息，以由收款终端根据入场信息和计费结束所需的出场信息计算收款金额，数字货币钱包接收收款终端返回的收款金额，并根据收款金额执行数字货币余额扣减。

Description

数字货币支付方法和装置
相关申请的交叉引用
本申请要求享有2021年11月22日提交的发明名称为“一种数字货币支付方法和装置”的中国专利申请No.202111385381.6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，尤其涉及一种数字货币支付方法和装置。
背景技术
目前公开试点的数字货币交易支持一次性付费，譬如商场/超市购物付费、地铁购票付费等，但是对于非一次性付费(可称为扩展消费)场景，譬如公交/地铁分段刷卡、停车场计时收费、共享单车收费、高速不停车收费等，尚未有统一的支付方案。
在实现本公开过程中，发明人发现现有技术中至少存在如下问题：
缺少数字货币的扩展消费支付的实现方案，在非一次性付费场景中无法使用数字货币进行快速支付。
发明内容
有鉴于此，本公开实施例提供一种数字货币支付方法和装置，能够提供数字货币的扩展消费支付的实现方案，使得在非一次性付费场景中可使用数字货币进行快速支付。
为实现上述目的，根据本公开实施例的一个方面，提供了一种数字货币支付方法。
一种数字货币支付方法，包括：在计费开始阶段，数字货币钱包与收款终端建立第一通信连接，并进行入场登记操作，所述入场登记操作包括：所述数字货币钱包接收及存储所述收款终端发送的计费开始所需的入场信息；在计费结束阶段，所述数字货币钱包与所述收款终端建立第二通信连接，并完成出场扣款操作，所述出场扣款操作包括：所述数字货币钱包向所述收款终端传递所述入场信息，以由所述收款终端根据所述入场信息和计费结束所需的出场信息计算收款金额，所述数字货币钱包接收所述收款终端返回的所述收款金额，并根据所述收款金额执行数字货币余额扣减。
根据本公开的一个或多个实施例，所述入场登记操作还包括：进行与所述收款终端之间的第一双向身份认证，并确定所述第一双向身份认证通过；以及，所述出场扣款操作还包括：进行与所述收款终端之间的第二双向身份认证，并确定所述第二双向身份认证通过。
根据本公开的一个或多个实施例，所述数字货币钱包进行与所述收款终端之间的所述第一双向身份认证或所述第二双向身份认证包括：所述数字货币钱包接收所述收款终端的认证请求，并向所述收款终端发送所述数字货币钱包的第一公钥证书和第一随机数，所述认证请求中包括所述收款终端的第二公钥证书，所述第一随机数是所述数字货币钱包生成的；所述数字货币钱包接收所述收款终端发送的第一随机数签名和第二随机数，所述第一随机数签名是所述收款终端利用所述第二公钥证书对应的私钥对所述第一随机数进行签名得到的，所述第二随机数是所述收款终端生成的；所述数字货币钱包利用所述第二公钥证书中的公钥对所述第一随机数签名进行验证，在验证通过后，利用第一公钥证书对应的私钥对所述第二随机数进行签名，得到第二随机数签名，并将所述第二随机数签名发送到所述收款终端进行验证。
根据本公开的一个或多个实施例，所述入场登记操作中，所述入 场信息与所述第一随机数签名是由所述收款终端同步发送到所述数字货币钱包的；以及/或者，所述出场扣款操作中，所述入场信息与所述第二随机数签名是由所述数字货币钱包同步发送到所述收款终端的。
根据本公开的一个或多个实施例，所述数字货币钱包与所述收款终端基于DSRC(Dedicated Short Range Communications，专用短程通信技术)、NFC(近场通信)、蓝牙、WiFi(Wireless Fidelity，无线保真)中的任一方式建立所述第一通信连接或所述第二通信连接。
根据本公开的一个或多个实施例，在计费结束阶段，所述数字货币钱包还接收及存储所述收款终端返回的所述出场信息，并根据所述出场信息、所述收款金额和所述余额扣减的结果生成付款信息，将所述付款信息发送到所述收款终端，以由所述收款终端将所述付款信息实时或异步上传到所述数字货币的运营机构后台系统进行对账。
根据本公开的一个或多个实施例，所述数字货币钱包根据所述收款终端发出的文件写入指令，将所述入场信息或所述出场信息写入所述数字货币钱包中的应用文件，以存储所述入场信息或所述出场信息。
根据本公开的一个或多个实施例，所述数字货币钱包根据所述收款终端发出的专用交易指令或应用扩展指令，将所述收款终端接收的所述入场信息或所述出场信息进行存储。
根据本公开实施例的另一方面，提供了一种数字货币支付方法。
一种数字货币支付方法，包括：在计费开始阶段，收款终端与数字货币钱包建立第一通信连接，并执行入场登记流程，所述入场登记流程包括：所述收款终端向所述数字货币钱包发送计费开始所需的入场信息；在计费结束阶段，所述收款终端与所述数字货币钱包建立第二通信连接，并执行出场收款流程，所述出场收款流程包括：接收所 述数字货币钱包传递的所述入场信息，并根据所述入场信息和计费结束所需的出场信息计算收款金额，将所述收款金额返回所述数字货币钱包，以由数字货币钱包根据所述收款金额执行数字货币余额扣减。
根据本公开的一个或多个实施例，所述入场登记流程还包括：进行与所述数字货币钱包之间的第一双向身份认证，并确定所述第一双向身份认证通过；以及，所述出场收款流程还包括：进行与所述数字货币钱包之间的第二双向身份认证，并确定所述第二双向身份认证通过。
根据本公开的一个或多个实施例，所述收款终端进行与所述数字货币钱包之间的所述第一双向身份认证或所述第二双向身份认证包括：所述收款终端向所述数字货币钱包发送认证请求，并接收所述数字货币钱包发送的所述数字货币钱包的第一公钥证书和第一随机数，所述认证请求中包括所述收款终端的第二公钥证书，所述第一随机数是所述数字货币钱包生成的；所述收款终端利用所述第二公钥证书对应的私钥，对所述第一随机数进行签名得到第一随机数签名，并将所述第一随机数签名和第二随机数发送到所述数字货币钱包，所述第二随机数是所述收款终端生成的；所述收款终端接收所述数字货币钱包发送的第二随机数签名，并利用所述第一公钥证书中的公钥对所述第二随机数签名进行验证，所述第二随机数签名是所述数字货币钱包利用所述第一公钥证书对应的私钥对所述第二随机数进行签名得到的。
根据本公开的一个或多个实施例，所述入场登记流程中，所述入场信息与所述第一随机数签名是由所述收款终端同步发送到所述数字货币钱包的；所述出场收款流程中，所述入场信息与所述第二随机数签名是由所述数字货币钱包同步发送到所述收款终端的。
根据本公开的一个或多个实施例，所述收款终端与所述数字货币钱包基于DSRC、NFC、蓝牙、WiFi中的任一方式建立所述第一通信 连接或所述第二通信连接。
根据本公开的一个或多个实施例，在计费结束阶段，所述收款终端还向所述数字货币钱包返回所述出场信息和所述余额扣减的结果，以由所述数字货币钱包根据所述出场信息、所述收款金额和所述余额扣减的结果生成付款信息，所述收款终端在收到所述数字货币钱包发送的所述付款信息后，将所述付款信息实时或异步上传到所述数字货币的运营机构后台系统进行对账。
根据本公开的一个或多个实施例，所述收款终端通过文件写入指令将所述入场信息或所述出场信息写入所述数字货币钱包中的应用文件，以由所述数字货币钱包存储所述入场信息或所述出场信息。
根据本公开的一个或多个实施例，所述收款终端通过专用交易指令或应用扩展指令将所述入场信息或所述出场信息传递给所述数字货币钱包，以由所述数字货币钱包存储所述入场信息或所述出场信息。
根据本公开实施例的又一方面，提供了一种数字货币支付装置。
一种数字货币支付装置，设置在数字货币钱包中，所述装置包括：入场登记操作模块，用于在计费开始阶段，与收款终端建立第一通信连接，并进行入场登记操作，所述入场登记操作包括：接收及存储所述收款终端发送的计费开始所需的入场信息；出场扣款操作模块，用于在计费结束阶段，与所述收款终端建立第二通信连接，并完成出场扣款操作，所述出场扣款操作包括：向所述收款终端传递所述入场信息，以由所述收款终端根据所述入场信息和计费结束所需的出场信息计算收款金额，接收所述收款终端返回的所述收款金额，并根据所述收款金额执行数字货币余额扣减。
根据本公开的一个或多个实施例，还包括双向认证模块，用于： 进行与所述收款终端之间的第一双向身份认证，并确定所述第一双向身份认证通过；以及，用于：进行与所述收款终端之间的第二双向身份认证，并确定所述第二双向身份认证通过。
根据本公开的一个或多个实施例，所述双向认证模块还用于：接收所述收款终端的认证请求，并向所述收款终端发送所述数字货币钱包的第一公钥证书和第一随机数，所述认证请求中包括所述收款终端的第二公钥证书，所述第一随机数是所述双向认证模块生成的；接收所述收款终端发送的第一随机数签名和第二随机数，所述第一随机数签名是所述收款终端利用所述第二公钥证书对应的私钥对所述第一随机数进行签名得到的，所述第二随机数是所述收款终端生成的；利用所述第二公钥证书中的公钥对所述第一随机数签名进行验证，在验证通过后，利用第一公钥证书对应的私钥对所述第二随机数进行签名，得到第二随机数签名，并将所述第二随机数签名发送到所述收款终端进行验证。
根据本公开的一个或多个实施例，所述入场登记操作中，所述入场信息与所述第一随机数签名是由所述收款终端同步发送到所述数字货币钱包的；以及/或者，所述出场扣款操作中，所述入场信息与所述第二随机数签名是由所述数字货币钱包同步发送到所述收款终端的。
根据本公开的一个或多个实施例，所述数字货币钱包与所述收款终端基于DSRC、NFC、蓝牙、WiFi中的任一方式建立所述第一通信连接或所述第二通信连接。
根据本公开的一个或多个实施例，所述出场扣款操作模块还用于：在计费结束阶段，接收及存储所述收款终端返回的所述出场信息，并根据所述出场信息、所述收款金额和所述余额扣减的结果生成付款信息，将所述付款信息发送到所述收款终端，以由所述收款终端将所述付款信息实时或异步上传到所述数字货币的运营机构后台系统进行对 账。
根据本公开的一个或多个实施例，还包括第一存储模块，用于根据所述收款终端发出的文件写入指令，将所述入场信息或所述出场信息写入所述数字货币钱包中的应用文件，以存储所述入场信息或所述出场信息。
根据本公开的一个或多个实施例，还包括第二存储模块，用于根据所述收款终端发出的专用交易指令或应用扩展指令，将从所述收款终端接收的所述入场信息或所述出场信息进行存储。
根据本公开实施例的又一方面，提供了一种数字货币支付装置。
一种数字货币支付装置，设置在收款终端中，所述装置包括：入场登记执行模块，用于在计费开始阶段，与数字货币钱包建立第一通信连接，并执行入场登记流程，所述入场登记流程包括：向所述数字货币钱包发送计费开始所需的入场信息；出场收款执行模块，用于在计费结束阶段，与所述数字货币钱包建立第二通信连接，并执行出场收款流程，所述出场收款流程包括：接收所述数字货币钱包传递的所述入场信息，并根据所述入场信息和计费结束所需的出场信息计算收款金额，将所述收款金额返回所述数字货币钱包，以由数字货币钱包根据所述收款金额执行数字货币余额扣减。
根据本公开的一个或多个实施例，入场登记执行模块还用于：进行与所述数字货币钱包之间的第一双向身份认证，并确定所述第一双向身份认证通过；以及，所述出场收款执行模块还用于：进行与所述数字货币钱包之间的第二双向身份认证，并确定所述第二双向身份认证通过。
根据本公开的一个或多个实施例，还包括身份认证模块，用于： 向所述数字货币钱包发送认证请求，并接收所述数字货币钱包发送的所述数字货币钱包的第一公钥证书和第一随机数，所述认证请求中包括所述收款终端的第二公钥证书，所述第一随机数是所述数字货币钱包生成的；利用所述第二公钥证书对应的私钥，对所述第一随机数进行签名得到第一随机数签名，并将所述第一随机数签名和第二随机数发送到所述数字货币钱包，所述第二随机数是所述身份认证模块生成的；接收所述数字货币钱包发送的第二随机数签名，并利用所述第一公钥证书中的公钥对所述第二随机数签名进行验证，所述第二随机数签名是所述数字货币钱包利用所述第一公钥证书对应的私钥对所述第二随机数进行签名得到的。
根据本公开的一个或多个实施例，所述入场登记流程中，所述入场信息与所述第一随机数签名是由所述收款终端同步发送到所述数字货币钱包的；所述出场收款流程中，所述入场信息与所述第二随机数签名是由所述数字货币钱包同步发送到所述收款终端的。
根据本公开的一个或多个实施例，所述收款终端与所述数字货币钱包基于DSRC、NFC、蓝牙、WiFi中的任一方式建立所述第一通信连接或所述第二通信连接。
根据本公开的一个或多个实施例，所述出场收款执行模块还用于：在计费结束阶段，向所述数字货币钱包返回所述出场信息和所述余额扣减的结果，以由所述数字货币钱包根据所述出场信息、所述收款金额和所述余额扣减的结果生成付款信息；所述出场收款执行模块还用于：在收到所述数字货币钱包发送的所述付款信息后，将所述付款信息实时或异步上传到所述数字货币的运营机构后台系统进行对账。
根据本公开的一个或多个实施例，还包括信息写入模块，用于通过文件写入指令将所述入场信息或所述出场信息写入所述数字货币钱包中的应用文件，以由所述数字货币钱包存储所述入场信息或所述出 场信息。
根据本公开实施例的又一方面，提供了一种电子设备。
一种电子设备，包括：一个或多个处理器；存储器，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时，使得所述一个或多个处理器实现本公开实施例所提供的数字货币支付方法。
根据本公开实施例的又一方面，提供了一种计算机可读介质。
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所提供的数字货币支付方法。
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是根据本公开一个实施例的数字货币支付方法的主要步骤示意图；
图2是根据本公开另一个实施例的数字货币支付方法的主要步骤示意图；
图3是根据本公开一个实施例的数字货币支付的入场登记流程示意图；
图4是根据本公开一个实施例的数字货币支付的出场收款流程示意图；
图5是根据本公开一个实施例的数字货币支付装置的主要步骤示意图；
图6是根据本公开另一个实施例的数字货币支付装置的主要步骤 示意图；
图7是根据本公开一个实施例的数字货币支付的系统功能框图；
图8是本公开实施例可以应用于其中的示例性系统架构图；
图9是适于用来实现本公开实施例的终端设备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。
图1是根据本公开一个实施例的数字货币支付方法的主要步骤示意图。如图1所示，本公开一个实施例的数字货币支付方法主要包括如下的步骤S101至步骤S102。本实施例的数字货币支付方法由数字货币钱包执行。
步骤S101：在计费开始阶段，数字货币钱包与收款终端建立第一通信连接，并进行入场登记操作，入场登记操作包括：数字货币钱包接收及存储收款终端发送的计费开始所需的入场信息；
入场信息可依据不同的应用场景确定所包含的具体内容，例如在地铁场景中，入场信息可包含城市代码、地铁线路、进站地铁站点、进站时间等信息，不同的行业可以自行扩展。
步骤S102：在计费结束阶段，数字货币钱包与收款终端建立第二通信连接，并完成出场扣款操作，出场扣款操作包括：数字货币钱包向收款终端传递入场信息，以由收款终端根据入场信息和计费结束所需的出场信息计算收款金额，数字货币钱包接收收款终端返回的收款金额，并根据收款金额执行数字货币余额扣减。
出场信息可依据不同的应用场景确定所包含的具体内容，例如在地铁场景中，出场信息可包含城市代码、地铁线路、出站地铁站点、出站时间等信息，不同的行业可以自行扩展。
收款终端根据入场信息和计费结束所需的出场信息计算收款金额，具体可以根据业务场景中设定的计费规则来计算收款金额，例如地铁场景中，根据进站地铁站点、出站地铁站点，该两个站点之间的地铁计费规则，计算出收款金额。
入场登记操作还包括：进行与收款终端之间的第一双向身份认证，并确定第一双向身份认证通过；以及，出场扣款操作还包括：进行与收款终端之间的第二双向身份认证，并确定第二双向身份认证通过。
数字货币钱包进行与收款终端之间的第一双向身份认证或第二双向身份认证，过程具体包括：数字货币钱包接收收款终端的认证请求，并向收款终端发送数字货币钱包的第一公钥证书和第一随机数，认证请求中包括收款终端的第二公钥证书，第一随机数是数字货币钱包生成的；数字货币钱包接收收款终端发送的第一随机数签名和第二随机数，第一随机数签名是收款终端利用第二公钥证书对应的私钥对第一随机数进行签名得到的，第二随机数是收款终端生成的；数字货币钱包利用第二公钥证书中的公钥对第一随机数签名进行验证，在验证通过后，利用第一公钥证书对应的私钥对第二随机数进行签名，得到第二随机数签名，并将第二随机数签名发送到收款终端进行验证。如果数字货币钱包进行与收款终端彼此对对方发送的签名验证通过，则双向身份认证(第一双向身份认证或第二双向身份认证)通过。
在一个实施例中，入场登记操作中，入场信息与第一随机数签名可以是由收款终端同步发送到数字货币钱包的；以及/或者，出场扣款操作中，入场信息与第二随机数签名可以是由数字货币钱包同步发送 到收款终端的。
数字货币钱包与收款终端基于DSRC、NFC、蓝牙、WiFi中的任一方式建立第一通信连接或第二通信连接。
在计费结束阶段，数字货币钱包还接收及存储收款终端返回的出场信息，并根据出场信息、收款金额和余额扣减的结果生成付款信息，将付款信息发送到收款终端，以由收款终端将付款信息实时或异步上传到数字货币的运营机构后台系统进行对账。付款信息可以包括收、付款双方的信息、支付金额等信息。
在一个实施例中，数字货币钱包根据收款终端发出的文件写入指令，将入场信息或出场信息写入数字货币钱包中的应用文件，以存储入场信息或出场信息。
在另一个实施例中，数字货币钱包根据收款终端发出的专用交易指令或应用扩展指令，将从收款终端接收的入场信息或出场信息进行存储。专用交易指令或应用扩展指令可以是收付款双方预先通过协议等约定的指令，根据具体业务场景需求设定。
图2是根据本公开另一个实施例的数字货币支付方法的主要步骤示意图。如图2所示，本公开一个实施例的数字货币支付方法主要包括如下的步骤S201至步骤S202。本实施例的数字货币支付方法由收款终端执行。
步骤S201：在计费开始阶段，收款终端与数字货币钱包建立第一通信连接，并执行入场登记流程，入场登记流程包括：收款终端向数字货币钱包发送计费开始所需的入场信息；
步骤S202：在计费结束阶段，收款终端与数字货币钱包建立第二通信连接，并执行出场收款流程，出场收款流程包括：接收数字货币 钱包传递的入场信息，并根据入场信息和计费结束所需的出场信息计算收款金额，将收款金额返回数字货币钱包，以由数字货币钱包根据收款金额执行数字货币余额扣减。
入场登记流程还包括：进行与数字货币钱包之间的第一双向身份认证，并确定第一双向身份认证通过；以及，出场收款流程还包括：进行与数字货币钱包之间的第二双向身份认证，并确定第二双向身份认证通过。
收款终端进行与数字货币钱包之间的第一双向身份认证或第二双向身份认证，具体过程包括：收款终端向数字货币钱包发送认证请求，并接收数字货币钱包发送的数字货币钱包的第一公钥证书和第一随机数，认证请求中包括收款终端的第二公钥证书，第一随机数是数字货币钱包生成的；收款终端利用第二公钥证书对应的私钥，对第一随机数进行签名得到第一随机数签名，并将第一随机数签名和第二随机数发送到数字货币钱包，第二随机数是收款终端生成的；收款终端接收数字货币钱包发送的第二随机数签名，并利用第一公钥证书中的公钥对第二随机数签名进行验证，第二随机数签名是数字货币钱包利用第一公钥证书对应的私钥对第二随机数进行签名得到的。
在一个实施例中，入场登记流程中，入场信息与第一随机数签名可以是由收款终端同步发送到数字货币钱包的；出场收款流程中，入场信息与第二随机数签名可以是由数字货币钱包同步发送到收款终端的。
收款终端与数字货币钱包基于DSRC、NFC、蓝牙、WiFi中的任一方式建立第一通信连接或第二通信连接。
在计费结束阶段，收款终端还向数字货币钱包返回出场信息和余额扣减的结果，以由数字货币钱包根据出场信息、收款金额和余额扣 减的结果生成付款信息，收款终端在收到数字货币钱包发送的付款信息后，将付款信息实时或异步上传到数字货币的运营机构后台系统进行对账。
收款终端通过文件写入指令将入场信息或出场信息写入数字货币钱包中的应用文件，以由数字货币钱包存储入场信息或出场信息。
本公开实施例将数字货币的非一次性付费称为数字货币的扩展消费，本公开实施例的数字货币支付方法适用于数字货币的各种扩展消费场景，包括分段计费、分时计费、按里程收费等应用场景，例如公交/地铁分段刷卡、停车场计时收费、共享单车收费、高速不停车收费等场景。
图3是根据本公开一个实施例的数字货币支付的入场登记流程示意图。如图3所示，本公开一个实施例的数字货币入场登记流程包括：
商户的收款终端(图3中以POS(Point of sales，销售点)终端为例)与用户的数字货币钱包(即用户钱包)通过短距通信建立连接；
用户的数字货币钱包与商户的收款终端进行双向身份认证；
商户的收款终端向用户的数字货币钱包传递入场信息，用户的数字货币钱包存储入场信息。
其中，本公开实施例的短距通信可以采用DSRC、NFC、蓝牙、WiFi等近距离通信方式。
在一个实施例中，认证方式可以采用PKI(Public Key Infrastructure，公钥基础设施)模式，数字货币钱包或收款终端设备在开通数字货币服务时向数字货币的运营机构系统申请，由运营机构系统分别向数字货币钱包和收款终端下发公钥证书，运营机构系统例如银行运营机构系统，收付款双方互换公钥证书和随机数，分别用自有的公钥证书对应的私钥对对方发过来的随机数进行签名，然后将签名 后的随机数(即随机数签名)发送给对方，收付款双方还分别使用对方发过来的公钥证书中的公钥验证接收到的对方签名。
PKI模式双向身份认证过程具体包括：数字货币钱包与收款终端双方互换公钥证书和随机数，互换过程即数字货币钱包将自有的第一公钥证书和所生成的第一随机数发给收款终端，收款终端将自有的第二公钥证书和所生成的第二随机数发给数字货币钱包。数字货币钱包利用第一公钥证书对应的私钥，对互换得到的收款终端的第二随机数进行签名，得到第二随机数签名，并将第二随机数签名发送到收款终端进行验签。收款终端利用第二公钥证书对应的私钥，对互换得到的数字货币钱包的第一随机数进行签名，得到第一随机数签名，并将第一随机数签名发送到数字货币钱包进行验签。数字货币钱包使用互换得到的收款终端的第二公钥证书中的公钥，验证收款终端发送的第一随机数签名。收款终端使用互换得到的数字货币钱包的第一公钥证书中的公钥，验证数字货币钱包发送的第二随机数签名。数字货币钱包与收款终端双方分别完成签名验证且均验证通过后，则用户的数字货币钱包与商户的收款终端进行双向身份认证通过。
在另一个实施例中，认证方式可以采用预置共享密钥模式，数字货币钱包或收款终端设备在开通数字货币服务时由数字货币的运营机构系统写入共享密钥，收付款双方利用预置的共享密钥进行双向身份认证，具体可以分别用共享密钥验证对方发过来的信息(例如随机数)，若验证通过，则双向身份认证通过。
用户的数字货币钱包存储入场信息，具体可以通过文件写入指令将入场信息写入钱包中应用文件进行存储，或者，可以根据收款终端发出的专用交易指令或应用扩展指令由钱包应用自行存储入场信息，入场信息可依据不同的应用场景包含详细具体的内容，譬如在公交地铁场景应包含城市代码、时间、线路、站点等信息，不同的商户可以自行扩展。
需要说明的是，若之前存在不完整支付流程，譬如存在上次入场登记信息但未执行过出场收款，那么，收款终端可获取用户数字货币钱包中存储的上一次记录状态进行判断，并在上述商户的收款终端向用户的数字货币钱包传递入场信息的步骤之前，可以执行一次补充收款。例如，对于每一次支付，在入场登记后可生成入场完成状态的记录，相应地，出场收款后可生成出场完成状态的记录，在计费开始阶段，数字货币钱包与收款终端建立通信连接后，且进行入场登记操作之前，可以先读取上一次支付的入场完成状态、出场完成状态的记录，若只读取到入场完成状态的记录，而未读取到对应的出场完成状态的记录，则表示上一次存在不完整支付流程，那么先按照预定的出场信息进行出场收款操作，在数字货币钱包中进行出场扣款，然后再进行本次的数字货币支付流程。
下面以数字货币在地铁刷卡消费场景为例，详细介绍本公开实施例的数字货币支付的入场登记流程，可包括下述三个步骤：
第一步，地铁闸机终端与用户数字货币钱包通过NFC近场通信建立连接；
地铁闸机终端即收款终端，用户数字货币钱包即付款方用户的数字货币钱包。
第二步，地铁闸机终端与用户数字货币钱包进行双向身份认证，认证方式采用PKI模式(用户数字货币钱包和闸机终端在开通数字货币服务时，向银行运营机构申请，由银行运营机构下发公钥证书)：
a)地铁闸机终端向用户数字货币钱包发送闸机公钥证书(即第二公钥证书)，发起认证请求；
b)用户钱包返回闸机认证随机数(即第一随机数)和用户公钥证书(即第一公钥证书)，作为应答；
c)地铁闸机终端向用户数字货币钱包发送闸机签名和用户认证随机数(即第二随机数)；
闸机签名是地铁闸机终端使用闸机私钥(即第二公钥证书对应的私钥)对闸机认证随机数进行加密运算生成的签名，即第一随机数签名。
d)用户数字货币钱包验证闸机签名，如果验证通过，计算用户签名并作为应答；
用户签名是数字货币钱包使用用户私钥(即第一公钥证书对应的私钥)对用户认证随机数进行加密运算生成的签名，即第二随机数签名。
第三步，地铁闸机终端向用户数字货币钱包发送入场信息，用户数字货币钱包存储入场信息。
存储入场信息具体可以通过地铁闸机终端发出的文件写入指令写入钱包中应用文件进行存储，或者，也可以根据地铁闸机终端发出的专用交易指令或应用扩展指令由用户数字货币钱包应用自行存储。入场信息可依据不同的应用场景包含详细具体的内容，譬如在地铁场景应包含城市代码、地铁线路、地铁站点、进站时间等信息，不同的行业可以自行扩展。
为提高交易性能，上述入场登记流程的第三步可以与第二步中的c)、d)两步合并。即，地铁闸机终端在向用户数字货币钱包发送闸机签名的同时，可以同时发送入场信息，用户数字货币钱包验证闸机签名通过后，存储入场信息，然后计算用户签名作为应答。
图4是根据本公开一个实施例的数字货币支付的出场收款流程示意图，如图4所示，本公开一个实施例的数字货币支付的出场收款流程如下：
商户收款终端(图4中以POS终端为例)与用户数字货币钱包(即用户钱包)通过短距通信建立连接；
用户数字货币钱包与商户收款终端进行双向身份认证；
商户收款终端执行收款。
其中，短距通信连接的建立方式以及双向身份认证的具体过程可参见上文在入场登记流程的相关内容介绍。用户数字货币钱包与商户收款终端分别生成各自的随机数，并向对方传递生成的随机数、公钥证书、签名，签名是利用自有的公钥证书对应的私钥对对方发过来的随机数进行签名得到的，例如用户钱包向地铁闸机终端返回闸机认证随机数(即第一随机数)，地铁闸机终端使用闸机私钥(即第二公钥证书对应的私钥)对闸机认证随机数进行加密运算生成签名，得到闸机签名，即第一随机数签名，将该签名发送到用户钱包。
商户收款终端执行收款的具体过程包括：
商户收款终端获取用户数字货币钱包存储的入场信息。该步骤可以通过商户收款终端发出的文件读出指令从数字货币钱包应用文件中读取，或者，也可以通过专用交易指令或应用扩展指令从数字货币钱包应用获取，通过该步骤，实现了用户数字货币钱包的入场信息发送到商户收款终端。
商户收款终端根据业务收费规则，计算收款金额。该步骤的业务收费规则是根据具体业务需求预先建立的。
商户收款终端向用户数字货币钱包传递收款金额和出场信息。
用户数字货币钱包存储出场信息。存储出场信息可根据文件写入指令、专用交易指令或应用扩展指令等方式进行存储，具体可参照对存储入场信息的介绍，出场信息可依据不同的应用场景包含详细具体的内容，用户数字货币钱包扣减余额，并向商户收款终端返回付款信息。为提高交易性能，收款终端可以采用延时收款，即收到用户数字货币钱包的付款信息后，现场放行/放货，后续异步上传给数字货币交 易系统(即数字货币的运营机构系统)，实现机构后台系统(例如银行运营机构的后台系统)的线上账户对账。
下面以数字货币地铁刷卡消费场景为例，详细介绍本公开实施例的数字货币支付的出场收款流程，出场收款流程包括下述三个步骤：
第一步，地铁闸机终端与用户数字货币钱包通过NFC近场通信建立连接；
第二步，地铁闸机终端与用户数字货币钱包进行双向身份认证；
该双向身份认证与入场登记流程中的双向身份认证过程相同；
第三步，地铁闸机终端执行收款，具体步骤包括：
a)地铁闸机终端发送指令，该指令用于获取用户数字货币钱包存储的入场信息；
该步骤可以通过文件读出指令从数字货币钱包应用文件中读取，或者，也可以通过专用交易指令或应用扩展指令从用户钱包获取；
b)地铁闸机终端根据地铁业务收费规则、入场信息和当前站点信息，计算收款金额；
c)地铁闸机终端向用户数字货币钱包发送收款金额和出场信息；
d)用户数字货币钱包存储出场信息；
存储出场信息与存储入场信息的方式相同，可参见上文实施例的介绍。
本实施例的出场信息可包括城市代码、地铁线路、地铁站点、出站时间等信息)，用户数字货币钱包扣减钱包余额，并向地铁闸机终端返回付款信息；
e)地铁闸机终端通过远程通信实时或延时向数字货币交易系统传递用户数字货币钱包返回的付款信息。
数字货币交易系统即数字货币的运营机构后台系统，通过运营机构后台系统实现线上对账，完成线上收款。
为提高交易性能，上述出场收款流程中的第三步中数据传递(不包括步骤e))，可以与第二步优化合并，即数字货币钱包可将入场信息与用户签名(即第二随机数签名)同步发送到地铁闸机终端。
图5是根据本公开一个实施例的数字货币支付装置的主要步骤示意图。如图5所示，本公开一个实施例的数字货币支付装置500设置在数字货币钱包中，数字货币支付装置500主要包括：入场登记操作模块501、出场扣款操作模块502。
入场登记操作模块501，用于在计费开始阶段，与收款终端建立第一通信连接，并进行入场登记操作，入场登记操作包括：接收及存储收款终端发送的计费开始所需的入场信息。
出场扣款操作模块502，用于在计费结束阶段，与收款终端建立第二通信连接，并完成出场扣款操作，出场扣款操作包括：向收款终端传递入场信息，以由收款终端根据入场信息和计费结束所需的出场信息计算收款金额，出场扣款操作模块502还用于接收收款终端返回的收款金额，并根据收款金额执行数字货币余额扣减。
数字货币支付装置500还包括双向认证模块，用于：进行与收款终端之间的第一双向身份认证，并确定第一双向身份认证通过；以及，用于：进行与收款终端之间的第二双向身份认证，并确定第二双向身份认证通过。
双向认证模块还用于：接收收款终端的认证请求，并向收款终端发送数字货币钱包的第一公钥证书和第一随机数，认证请求中包括收款终端的第二公钥证书，第一随机数是双向认证模块生成的；接收收款终端发送的第一随机数签名和第二随机数，第一随机数签名是收款终端利用第二公钥证书对应的私钥对第一随机数进行签名得到的，第 二随机数是收款终端生成的；利用第二公钥证书中的公钥对第一随机数签名进行验证，在验证通过后，利用第一公钥证书对应的私钥对第二随机数进行签名，得到第二随机数签名，并将第二随机数签名发送到收款终端进行验证。
入场登记操作中，入场信息与第一随机数签名是由收款终端同步发送到数字货币钱包的；以及/或者，出场扣款操作中，入场信息与第二随机数签名是由数字货币钱包同步发送到收款终端的。
数字货币钱包与收款终端基于DSRC、NFC、蓝牙、WiFi中的任一方式建立第一通信连接或第二通信连接。
出场扣款操作模块502还用于：在计费结束阶段，接收及存储收款终端返回的出场信息，并根据出场信息、收款金额和余额扣减的结果生成付款信息，将付款信息发送到收款终端，以由收款终端将付款信息实时或异步上传到数字货币的运营机构后台系统进行对账。
在一个实施例中，数字货币支付装置500还包括第一存储模块，用于根据收款终端发出的文件写入指令，将入场信息或出场信息写入数字货币钱包中的应用文件，以存储入场信息或出场信息。
在另一个实施例中，数字货币支付装置500还包括第二存储模块，用于根据所述收款终端发出的专用交易指令或应用扩展指令，将从收款终端接收的入场信息或出场信息进行存储。
图6是根据本公开另一个实施例的数字货币支付装置的主要步骤示意图。如图6所示，本公开一个实施例的数字货币支付装置600设置在收款终端中，数字货币支付装置600主要包括：入场登记执行模块601、出场收款执行模块602。
入场登记执行模块601，用于在计费开始阶段，与数字货币钱包建立第一通信连接，并执行入场登记流程，入场登记流程包括：向数字货币钱包发送计费开始所需的入场信息。
出场收款执行模块602，用于在计费结束阶段，与数字货币钱包建立第二通信连接，并执行出场收款流程，出场收款流程包括：接收数字货币钱包传递的入场信息，并根据入场信息和计费结束所需的出场信息计算收款金额，将收款金额返回数字货币钱包，以由数字货币钱包根据收款金额执行数字货币余额扣减。
入场登记执行模块601还用于：进行与数字货币钱包之间的第一双向身份认证，并确定第一双向身份认证通过；以及，出场收款执行模块602还用于：进行与数字货币钱包之间的第二双向身份认证，并确定第二双向身份认证通过。
数字货币支付装置600还包括身份认证模块，用于：向数字货币钱包发送认证请求，并接收数字货币钱包发送的数字货币钱包的第一公钥证书和第一随机数，认证请求中包括收款终端的第二公钥证书，第一随机数是数字货币钱包生成的；利用第二公钥证书对应的私钥，对第一随机数进行签名得到第一随机数签名，并将第一随机数签名和第二随机数发送到数字货币钱包，第二随机数是身份认证模块生成的；接收数字货币钱包发送的第二随机数签名，并利用第一公钥证书中的公钥对第二随机数签名进行验证，第二随机数签名是数字货币钱包利用第一公钥证书对应的私钥对第二随机数进行签名得到的。
入场登记流程中，入场信息与第一随机数签名是由收款终端同步发送到数字货币钱包的；出场收款流程中，入场信息与第二随机数签名是由数字货币钱包同步发送到收款终端的。
收款终端与数字货币钱包基于DSRC、NFC、蓝牙、WiFi中的任 一方式建立第一通信连接或第二通信连接。
出场收款执行模块602还用于：在计费结束阶段，向数字货币钱包返回出场信息和余额扣减的结果，以由数字货币钱包根据出场信息、收款金额和余额扣减的结果生成付款信息；出场收款执行模块602还用于：在收到数字货币钱包发送的付款信息后，将付款信息实时或异步上传到数字货币的运营机构后台系统进行对账。
数字货币支付装置600还包括信息写入模块，用于通过文件写入指令将入场信息或出场信息写入数字货币钱包中的应用文件，以由数字货币钱包存储入场信息或出场信息。
图7是根据本公开一个实施例的数字货币支付的系统功能框图。如图7所示，本公开一个实施例的数字货币支付包括入场登记、出场收款、后台对账。一次入场登记流程和一次出场收款流程构成一次完整的数字货币扩展消费流程。入场登记，是指在用户进入计费区域开始消费时，对用户身份合法性进行验证，同时向数字货币钱包记录入场信息(譬如公交地铁的入场时间、路线、站号等信息)，用于出场时获取后计费。出场收款，是指在用户将离开计费区域结束消费时，收款终端获取入场信息后计算收款金额，向用户数字货币钱包收款。出场收款之后还包括通过数字货币运营机构后台系统进行后台对账，具体参见上文实施例的介绍。
本公开实施例的数字货币支付方案用于扩展消费场景中，入场登记即放行、出场延时收款，出场延时收款具体即用户出场时收款终端仅计算收款金额获取用户支付密文即放行，后续收款终端异步上传支付密文给运营后台执行线上收款对账，从而达到快速交易的目的，满足公交、地铁、ETC(电子不停车收费系统)、ETCP(一种无人收费智慧停车平台)等快速支付需求。
图8示出了可以应用本公开实施例的数字货币支付方法或数字货币支付装置的示例性系统架构800。
如图8所示，系统架构800可以包括终端设备801、802、803，网络804和服务器805。网络804用以在终端设备801、802、803和服务器805之间提供通信链路的介质。网络804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801、802、803通过网络804与服务器805交互，以接收或发送消息等。终端设备801、802、803上可以安装有各种通信客户端应用，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801、802、803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805可以是提供各种服务的服务器，例如对用户利用终端设备801、802、803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数字货币支付方法一般由终端设备801、802、803执行，相应地，数字货币支付装置一般设置于终端设备801、802、803中。
应该理解，图8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9，其示出了适于用来实现本申请实施例的终端设备的计算机系统900的结构示意图。图9示出的终端设备仅仅是一个示例，不应对本申请实施例的功能和使用范围带来任何限制。
如图9所示，计算机系统900包括中央处理单元(CPU)901，其可以根据存储在只读存储器(ROM)902中的程序或者从存储部分908加载到随机访问存储器(RAM)903中的程序而执行各种适当的动作和处理。在RAM 903中，还存储有系统900操作所需的各种程序和数据。CPU 901、ROM 902以及RAM 903通过总线904彼此相连。输入/输出(I/O)接口905也连接至总线904。
以下部件连接至I/O接口905：包括键盘、鼠标等的输入部分906；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907；包括硬盘等的存储部分908；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909。通信部分909经由诸如因特网的网络执行通信处理。驱动器910也根据需要连接至I/O接口905。可拆卸介质911，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910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908。
特别地，根据本公开公开的实施例，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909从网络上被下载和安装，和/或从可拆卸介质911被安装。在该计算机程序被中央处理单元(CPU)901执行时，执行本申请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。在本申请中，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。而在本申请中，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，图示了按照本申请各种实施例的系统、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：一种处理器包括入场登记操作模块、出场扣款操作模块。其中，这些模块的名称在某种情况下并不构成对该模块本身的限定，例如，入场登记操作模块还可以被描述为“用于在计费开始阶段，与收款终端建立第一通信连接，并进行入场登记操作的模块”。
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：在计费开始阶段，数字货币钱包与收款终端建立第一通信连接，并进行入场登记操作，所述入场登记操作包括：所述数字货币钱包接收及存储所述收款终端发送的计费开始所需的入场信息；在计费结束阶段，所述数字货币钱包与所述收款终端建立第二通信连接，并完成出场扣款操作，所述出场扣款操作包括：所述数字货币钱包向所述收款终端传递所述入场信息，以由所述收款终端根据所述入场信息和计费结束所需的出场信息计算收款金额，所述数字货币钱包接收所述收款终端返回的所述收款金额，并根据所述收款金额执行数字货币余额扣减。或者，使得该设备包括：在计费开始阶段，收款终端与数字货币钱包建立第一通信连接，并执行入场登记流程，所述入场登记流程包括：所述收款终端向所述数字货币钱包发送计费开始所需的入场信息；在计费结束阶段，所述收款终端与所述数字货币钱包建立第二通信连接，并执行出场收款流程，所述出场收款流程包括：接收所述数字货币钱包传递的所述入场信息，并根据所述入场信息和计费结束所需的出场信息计算收款金额，将所述收款金额返回所述数字货币钱包，以由数字货币钱包根据所述收款金额执行数字货币余额扣减。
根据本公开实施例的技术方案，在计费开始阶段，数字货币钱包 与收款终端建立第一通信连接，并进行入场登记操作，包括：数字货币钱包接收及存储收款终端发送的计费开始所需的入场信息；在计费结束阶段，数字货币钱包与收款终端建立第二通信连接，并完成出场扣款操作，包括：数字货币钱包向收款终端传递入场信息，以由收款终端根据入场信息和计费结束所需的出场信息计算收款金额，数字货币钱包接收收款终端返回的收款金额，并根据收款金额执行数字货币余额扣减。能够提供数字货币的扩展消费支付的实现方案，使得在非一次性付费场景中可使用数字货币进行快速支付。
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 (20)

  1. 一种数字货币支付方法，包括：
    在计费开始阶段，数字货币钱包与收款终端建立第一通信连接，并进行入场登记操作，所述入场登记操作包括：所述数字货币钱包接收及存储所述收款终端发送的计费开始所需的入场信息；
    在计费结束阶段，所述数字货币钱包与所述收款终端建立第二通信连接，并完成出场扣款操作，所述出场扣款操作包括：所述数字货币钱包向所述收款终端传递所述入场信息，以由所述收款终端根据所述入场信息和计费结束所需的出场信息计算收款金额，所述数字货币钱包接收所述收款终端返回的所述收款金额，并根据所述收款金额执行数字货币余额扣减。
  2. 根据权利要求1所述的方法，其中，所述入场登记操作还包括：进行与所述收款终端之间的第一双向身份认证，并确定所述第一双向身份认证通过；以及，所述出场扣款操作还包括：进行与所述收款终端之间的第二双向身份认证，并确定所述第二双向身份认证通过。
  3. 根据权利要求2所述的方法，其中，所述数字货币钱包进行与所述收款终端之间的所述第一双向身份认证或所述第二双向身份认证包括：
    所述数字货币钱包接收所述收款终端的认证请求，并向所述收款终端发送所述数字货币钱包的第一公钥证书和第一随机数，所述认证请求中包括所述收款终端的第二公钥证书，所述第一随机数是所述数字货币钱包生成的；
    所述数字货币钱包接收所述收款终端发送的第一随机数签名和第二随机数，所述第一随机数签名是所述收款终端利用所述第二公钥证书对应的私钥对所述第一随机数进行签名得到的，所述第二随机数是所述收款终端生成的；
    所述数字货币钱包利用所述第二公钥证书中的公钥对所述第一随机数签名进行验证，在验证通过后，利用第一公钥证书对应的私钥对所述第二随机数进行签名，得到第二随机数签名，并将所述第二随机数签名发送到所述收款终端进行验证。
  4. 根据权利要求3所述的方法，其中，所述入场登记操作中，所述入场信息与所述第一随机数签名是由所述收款终端同步发送到所述数字货币钱包的；以及/或者，
    所述出场扣款操作中，所述入场信息与所述第二随机数签名是由所述数字货币钱包同步发送到所述收款终端的。
  5. 根据权利要求1所述的方法，其中，所述数字货币钱包与所述收款终端基于DSRC、NFC、蓝牙、WiFi中的任一方式建立所述第一通信连接或所述第二通信连接。
  6. 根据权利要求1所述的方法，其中，在计费结束阶段，所述数字货币钱包还接收及存储所述收款终端返回的所述出场信息，并根据所述出场信息、所述收款金额和所述余额扣减的结果生成付款信息，将所述付款信息发送到所述收款终端，以由所述收款终端将所述付款信息实时或异步上传到所述数字货币的运营机构后台系统进行对账。
  7. 根据权利要求6所述的方法，其中，所述数字货币钱包根据所述收款终端发出的文件写入指令，将所述入场信息或所述出场信息写入所述数字货币钱包中的应用文件，以存储所述入场信息或所述出场信息。
  8. 根据权利要求6所述的方法，其中，所述数字货币钱包根据所述收款终端发出的专用交易指令或应用扩展指令，将从所述收款终端接收的所述入场信息或所述出场信息进行存储。
  9. 一种数字货币支付方法，包括：
    在计费开始阶段，收款终端与数字货币钱包建立第一通信连接，并执行入场登记流程，所述入场登记流程包括：所述收款终端向所述数字货币钱包发送计费开始所需的入场信息；
    在计费结束阶段，所述收款终端与所述数字货币钱包建立第二通信连接，并执行出场收款流程，所述出场收款流程包括：接收所述数字货币钱包传递的所述入场信息，并根据所述入场信息和计费结束所需的出场信息计算收款金额，将所述收款金额返回所述数字货币钱包，以由数字货币钱包根据所述收款金额执行数字货币余额扣减。
  10. 根据权利要求9所述的方法，其中，所述入场登记流程还包括：进行与所述数字货币钱包之间的第一双向身份认证，并确定所述第一双向身份认证通过；以及，所述出场收款流程还包括：进行与所述数字货币钱包之间的第二双向身份认证，并确定所述第二双向身份认证通过。
  11. 根据权利要求10所述的方法，其中，所述收款终端进行与所述数字货币钱包之间的所述第一双向身份认证或所述第二双向身份认证包括：
    所述收款终端向所述数字货币钱包发送认证请求，并接收所述数字货币钱包发送的所述数字货币钱包的第一公钥证书和第一随机数，所述认证请求中包括所述收款终端的第二公钥证书，所述第一随机数是所述数字货币钱包生成的；
    所述收款终端利用所述第二公钥证书对应的私钥，对所述第一随机数进行签名得到第一随机数签名，并将所述第一随机数签名和第二随机数发送到所述数字货币钱包，所述第二随机数是所述收款终端生成的；
    所述收款终端接收所述数字货币钱包发送的第二随机数签名，并利用所述第一公钥证书中的公钥对所述第二随机数签名进行验证，所述第二随机数签名是所述数字货币钱包利用所述第一公钥证书对应的 私钥对所述第二随机数进行签名得到的。
  12. 根据权利要求11所述的方法，其中，所述入场登记流程中，所述入场信息与所述第一随机数签名是由所述收款终端同步发送到所述数字货币钱包的；
    所述出场收款流程中，所述入场信息与所述第二随机数签名是由所述数字货币钱包同步发送到所述收款终端的。
  13. 根据权利要求9所述的方法，其中，所述收款终端与所述数字货币钱包基于DSRC、NFC、蓝牙、WiFi中的任一方式建立所述第一通信连接或所述第二通信连接。
  14. 根据权利要求9所述的方法，其中，在计费结束阶段，所述收款终端还向所述数字货币钱包返回所述出场信息和所述余额扣减的结果，以由所述数字货币钱包根据所述出场信息、所述收款金额和所述余额扣减的结果生成付款信息，所述收款终端在收到所述数字货币钱包发送的所述付款信息后，将所述付款信息实时或异步上传到所述数字货币的运营机构后台系统进行对账。
  15. 根据权利要求14所述的方法，其中，所述收款终端通过文件写入指令将所述入场信息或所述出场信息写入所述数字货币钱包中的应用文件，以由所述数字货币钱包存储所述入场信息或所述出场信息。
  16. 根据权利要求14所述的方法，其中，所述收款终端通过专用交易指令或应用扩展指令将所述入场信息或所述出场信息传递给所述数字货币钱包，以由所述数字货币钱包存储所述入场信息或所述出场信息。
  17. 一种数字货币支付装置，设置在数字货币钱包中，所述装置包括：
    入场登记操作模块，用于在计费开始阶段，与收款终端建立第一通信连接，并进行入场登记操作，所述入场登记操作包括：接收及存储所述收款终端发送的计费开始所需的入场信息；
    出场扣款操作模块，用于在计费结束阶段，与所述收款终端建立第二通信连接，并完成出场扣款操作，所述出场扣款操作包括：向所述收款终端传递所述入场信息，以由所述收款终端根据所述入场信息和计费结束所需的出场信息计算收款金额，接收所述收款终端返回的所述收款金额，并根据所述收款金额执行数字货币余额扣减。
  18. 一种数字货币支付装置，设置在收款终端中，所述装置包括：
    入场登记执行模块，用于在计费开始阶段，与数字货币钱包建立第一通信连接，并执行入场登记流程，所述入场登记流程包括：向所述数字货币钱包发送计费开始所需的入场信息；
    出场收款执行模块，用于在计费结束阶段，与所述数字货币钱包建立第二通信连接，并执行出场收款流程，所述出场收款流程包括：接收所述数字货币钱包传递的所述入场信息，并根据所述入场信息和计费结束所需的出场信息计算收款金额，将所述收款金额返回所述数字货币钱包，以由数字货币钱包根据所述收款金额执行数字货币余额扣减。
  19. 一种电子设备，包括：
    一个或多个处理器；
    存储器，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时，使得所述一个或多个处理器实现如权利要求1-16中任一所述的方法。
  20. 一种计算机可读介质，其上存储有计算机程序，所述计算机程序被处理器执行时实现如权利要求1-16中任一所述的方法。
PCT/CN2022/133235 2021-11-22 2022-11-21 数字货币支付方法和装置 WO2023088467A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN202111385381.6 2021-11-22
CN202111385381.6A CN114186997A (zh) 2021-11-22 2021-11-22 一种数字货币支付方法和装置

Publications (1)

Publication Number Publication Date
WO2023088467A1 true WO2023088467A1 (zh) 2023-05-25

Family

ID=80602301

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2022/133235 WO2023088467A1 (zh) 2021-11-22 2022-11-21 数字货币支付方法和装置

Country Status (2)

Country Link
CN (1) CN114186997A (zh)
WO (1) WO2023088467A1 (zh)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114186997A (zh) * 2021-11-22 2022-03-15 中国人民银行数字货币研究所 一种数字货币支付方法和装置
CN116012964A (zh) * 2022-12-29 2023-04-25 北京万集科技股份有限公司 用于etc系统的付费方法、相关产品及etc系统

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104134142A (zh) * 2014-08-11 2014-11-05 东南大学 一种基于二维码识别的地铁购票、检票方法
US20150120472A1 (en) * 2013-10-29 2015-04-30 Christian Aabye Digital wallet system and method
US10762478B1 (en) * 2017-08-04 2020-09-01 Wells Fargo Bank, N.A. Creating and managing private electronic currency
CN112508575A (zh) * 2021-02-03 2021-03-16 八维通科技有限公司 一种基于数字货币的地铁过闸支付方法和系统
CN113506103A (zh) * 2021-06-25 2021-10-15 华录智达科技股份有限公司 基于数字货币的公交费用智能支付方法
CN114186997A (zh) * 2021-11-22 2022-03-15 中国人民银行数字货币研究所 一种数字货币支付方法和装置

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20150120472A1 (en) * 2013-10-29 2015-04-30 Christian Aabye Digital wallet system and method
CN104134142A (zh) * 2014-08-11 2014-11-05 东南大学 一种基于二维码识别的地铁购票、检票方法
US10762478B1 (en) * 2017-08-04 2020-09-01 Wells Fargo Bank, N.A. Creating and managing private electronic currency
CN112508575A (zh) * 2021-02-03 2021-03-16 八维通科技有限公司 一种基于数字货币的地铁过闸支付方法和系统
CN113506103A (zh) * 2021-06-25 2021-10-15 华录智达科技股份有限公司 基于数字货币的公交费用智能支付方法
CN114186997A (zh) * 2021-11-22 2022-03-15 中国人民银行数字货币研究所 一种数字货币支付方法和装置

Also Published As

Publication number Publication date
CN114186997A (zh) 2022-03-15

Similar Documents

Publication Publication Date Title
US20210312445A1 (en) Token aggregation for multi-party transactions
CN109191108B (zh) 基于区块链的二维码聚合支付系统及其工作方法
WO2023088467A1 (zh) 数字货币支付方法和装置
CN108701305A (zh) 数字资产转换
US20180144339A1 (en) System, method, and computer program product for facilitating financial transactions
WO2023066040A1 (zh) 一种数字货币支付方法和装置
US20140129422A1 (en) Systems and methods for issuing mobile payment cards via a mobile communication network and internet-connected devices
US11847233B2 (en) Token state synchronization
AU2023100031A6 (en) Transfers using credit accounts
WO2022262527A1 (zh) 一种基于数字货币的支付方法、平台、终端及支付系统
WO2018129035A2 (en) Merchant enrollment for reverse payments
CN110766397B (zh) 基于数据识别模型的近场支付方法
TW201317911A (zh) 雲端信用卡交易系統及其交易方法
CN106462839A (zh) 用于提供信用的系统和方法
US20220222671A1 (en) Currency, Transaction Management, and Cyber Security Systems Enabling Multiple Entity Split Exchange
CN114819952A (zh) 一种基于数字货币的车载支付的方法、装置和系统
WO2023072115A1 (zh) 一种数字货币交易方法、系统和相关交易终端
US20230325820A1 (en) System and method for tokenization
WO2023029701A1 (zh) 任务处理系统、方法及装置
US20230120485A1 (en) Token-For-Token Provisioning
CN117974138A (zh) 一种数字货币交易方法、安全芯片和终端
WO2024081023A1 (en) Devices, systems, and methods for enabling personal authorization of financial transactions
US20210090061A1 (en) Systems and methods for device-present electronic commerce transaction checkout
CN111833039A (zh) 收款处理方法和系统
CN117541238A (zh) 基于数字货币的款项发放方法、装置及系统

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 22894996

Country of ref document: EP

Kind code of ref document: A1