CN112712353A - Digital currency change payment method, system and terminal - Google Patents
Digital currency change payment method, system and terminalDownload PDFInfo
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- CN112712353A CN112712353ACN201911359365.2ACN201911359365ACN112712353ACN 112712353 ACN112712353 ACN 112712353ACN 201911359365 ACN201911359365 ACN 201911359365ACN 112712353 ACN112712353 ACN 112712353A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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Abstract
Description
Technical Field
The application belongs to the technical field of digital currency payment, and particularly relates to a digital currency change payment method, a system and a terminal.
Background
With the intelligent development of digital currency, online financial transactions have widely entered the lives of people, and great convenience is brought to various aspects of people's lives.
In the prior art, if change is made during the digital currency transaction settlement process, the transaction can be completed through two times of full payment between the cash register and the payer, for example, the payer needs to pay 2 yuan to the payee, the actual payment process can pay 5 yuan to the payee for the payer, and the payee pays 3 yuan to the payer.
Disclosure of Invention
The embodiment of the application provides a digital currency change payment method, a system and a terminal, which aim to solve the problem that in the prior art, when the change is found in the digital currency transaction settlement process, if a payee has no change and no network, the transaction cannot be completed.
A first aspect of embodiments of the present application provides a digital currency change payment method, including:
receiving a payment instruction without establishing a network connection with a commercial bank;
based on the payment instruction, acquiring a transaction amount and determining digital currency for payment;
generating transaction authorization information for paying the digital currency for payment to a commercial bank based on the payment instruction, the transaction amount and the digital currency for payment;
acquiring a transaction amount payment verification code for verifying whether a transaction amount payment voucher code is legal or not, and a change payment verification code for verifying whether a change payment voucher code is legal or not, wherein the transaction amount payment voucher code is used for paying money with the same transaction amount to the commercial bank in a money receiving direction, the change payment voucher code is used for paying money with the same change amount to the commercial bank in a paying direction, and the sum of the change and the transaction amount is equal to the total currency value of the digital currency for payment;
sending the target information to a payee; wherein, the target information includes the transaction authorization information, or the target information further includes: the change payment verification code and/or the transaction amount payment verification code;
and storing a transaction record containing the transaction authorization information, the transaction amount payment verification code, the change payment voucher code, the change payment verification code, the transaction amount and the change amount in a nonvolatile storage unit.
A second aspect of embodiments of the present application provides a digital currency exchange payment system, comprising:
the receiving module is used for receiving a payment instruction under the condition that the network connection with a commercial bank is not established;
the first acquisition module is used for acquiring the transaction amount and determining the digital currency for payment based on the payment instruction;
the authorization module is used for generating transaction authorization information for paying the digital currency for payment to a commercial bank based on the payment instruction, the transaction amount and the digital currency for payment;
a second obtaining module, configured to obtain a transaction amount withdrawal verification code for verifying whether the transaction amount withdrawal voucher code is legal, and a change withdrawal verification code for verifying whether the change withdrawal voucher code is legal, where the transaction amount withdrawal voucher code is used for paying money equal to the transaction amount to the commercial bank from a money receiving side, the change withdrawal voucher code is used for paying money equal to the change amount to the commercial bank from a money paying side, and a sum of the change and the transaction amount is equal to a total currency value of the digital currency for payment;
the first sending module is used for sending the target information to a payee; wherein, the target information includes the transaction authorization information, or the target information further includes: the change payment verification code and/or the transaction amount payment verification code;
and the storage module is used for storing a transaction record containing the transaction authorization information, the transaction amount payment verification code, the change payment voucher code, the change payment verification code, the transaction amount and the change amount in a nonvolatile storage unit.
A third aspect of embodiments of the present application provides a terminal, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the steps of the method according to the first aspect when executing the computer program.
A fourth aspect of embodiments of the present application provides a computer-readable storage medium, in which a computer program is stored, which, when executed by a processor, performs the steps of the method according to the first aspect.
A fifth aspect of the present application provides a computer program product, which, when run on a terminal, causes the terminal to perform the steps of the method of the first aspect described above.
As can be seen from the above, in the embodiment of the present application, in the case that a network connection is not established with a commercial bank, a payment instruction is received, based on the payment instruction, a transaction amount and a digital currency for payment are obtained, and based on the payment instruction, the transaction amount and the digital currency for payment, transaction authorization information for paying the digital currency for payment to the commercial bank, and a corresponding change payment verification code and a transaction amount payment verification code are generated, so that in the case that a payer does not establish a network connection with the commercial bank, a virtualized electronic currency payment is achieved in advance, offline change without a network connection with the commercial bank is achieved, and an offline change payment transaction process is completed.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
FIG. 1 is a first flow chart of a digital currency change payment method provided by an embodiment of the present application;
FIG. 2 is a flow chart of a digital currency change payment method provided by an embodiment of the present application;
FIG. 3 is a block diagram of a digital currency change payment device according to an embodiment of the present application;
fig. 4 is a structural diagram of a terminal according to an embodiment of the present application.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the present application herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in the specification of the present application and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to a determination" or "in response to a detection". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".
In particular implementations, the terminals described in embodiments of the present application include, but are not limited to, other portable devices such as mobile phones, laptop computers, or tablet computers having touch sensitive surfaces (e.g., touch screen displays and/or touch pads). It should also be understood that in some embodiments, the device is not a portable communication device, but is a desktop computer having a touch-sensitive surface (e.g., a touch screen display and/or touchpad).
In the discussion that follows, a terminal that includes a display and a touch-sensitive surface is described. However, it should be understood that the terminal may include one or more other physical user interface devices such as a physical keyboard, mouse, and/or joystick.
The terminal supports various applications, such as one or more of the following: a drawing application, a presentation application, a word processing application, a website creation application, a disc burning application, a spreadsheet application, a gaming application, a telephone application, a video conferencing application, an email application, an instant messaging application, an exercise support application, a photo management application, a digital camera application, a web browsing application, a digital music player application, and/or a digital video player application.
Various applications that may be executed on the terminal may use at least one common physical user interface device, such as a touch-sensitive surface. One or more functions of the touch-sensitive surface and corresponding information displayed on the terminal can be adjusted and/or changed between applications and/or within respective applications. In this way, a common physical architecture (e.g., touch-sensitive surface) of the terminal can support various applications with user interfaces that are intuitive and transparent to the user.
It should be understood that, the sequence numbers of the steps in this embodiment do not mean the execution sequence, and the execution sequence of each process should be determined by the function and the inherent logic of the process, and should not constitute any limitation to the implementation process of the embodiment of the present application.
In order to explain the technical solution described in the present application, the following description will be given by way of specific examples.
Referring to fig. 1, fig. 1 is a first flowchart of a digital currency change payment method provided in an embodiment of the present application. As shown in fig. 1, a digital currency change payment method includes the steps of:
The payment instruction may be manually triggered by the user of the payer, or sent by the payee.
Specifically, the transaction amount and the payment instruction input by the payer on the payer digital money wallet are received, or the payee inputs the transaction amount and the payment instruction on the payee digital money wallet and sends the information of the transaction amount and the like to the payer digital money wallet.
Based on the payment instruction, the transaction amount is obtained and the digital currency for payment is determined,step 102.
The transaction amount is specifically the amount that the payer needs to pay to the payee. Wherein, the payment instruction carries the transaction amount information.
The digital money for payment may be determined based on a transaction amount, and when the transaction amount is obtained, the payer may determine whether there is electronic money with a currency value equal to the transaction amount in the currently held electronic money.
The transaction amount is obtained from the payment instruction and the digital currency for payment is selected based on the transaction amount. For example, the transaction amount is 2 dollars, and the digital currency for payment is 5 dollars.
The transaction authorization information is used to enable the merchant bank to obtain the digital currency for payment by the payer.
The transaction amount payment voucher code is used for paying money with the same transaction amount to the commercial bank by a collection party, the change payment voucher code is used for paying money with the same change amount to the commercial bank by a payment party, and the sum of the change and the transaction amount is equal to the total currency value of the digital currency for payment.
The transaction amount withdrawal verification code may be the same information code as the transaction amount withdrawal voucher code, and the change withdrawal voucher code may be the same information code as the change withdrawal verification code.
Or, the transaction amount payment verification code can be an information code generated on the basis of the transaction amount payment voucher code; the change withdrawal verification code may be an information code generated on the basis of the change withdrawal voucher code.
As an optional implementation manner, the acquiring of the transaction amount payout verification code for verifying whether the transaction amount payout credential code is valid and the change payout verification code for verifying whether the change payout credential code is valid includes:
obtaining the transaction amount payment verification code from the payee; and generating a change payment voucher code, and generating the change payment verification code based on the change payment voucher code.
The transaction amount payment verification code can be generated and sent by the payee or generated by the payer.
Here, in the present embodiment, the transaction amount payment verification code is transmitted from the receiving side and received from the digital money wallet of the receiving side.
Optionally, the generating the change payment voucher code includes: and generating a random number, and generating the change payment voucher code based on the random number and the payer user identification. Enhancing the randomness and uniqueness of the data.
Wherein, optionally, the generating the change payout verification code based on the change payout credential code comprises: and carrying out hash operation on the change payment voucher code to generate the change payment verification code.
And after the change payment voucher code is generated, generating a change payment verification code according to the change payment voucher code. The change payment voucher code can be generated by a random number and payer user identification information, the change payment verification code can be generated by carrying out hash operation on the change payment voucher code, and the verification code is obtained by hashing the voucher code, so that only the payer digital currency wallet knows the original voucher code, and the safety is improved.
Similarly, the generation process of the transaction amount payment verification code sent by the payee may be, similarly, that the payee generates the transaction amount payment voucher code based on a random number and the payee user identification information, and then performs a hash operation on the transaction amount payment voucher code to generate the transaction amount payment voucher code.
Correspondingly, as a specific implementation manner, after obtaining the transaction amount and determining the digital currency for payment based on the payment instruction, the method further includes:
determining a change amount based on the transaction amount and the digital currency for payment; sending the change amount to the payee; wherein the transaction amount withdrawal verification code is sent by the payee under the condition that the change cannot be made based on the change amount.
In the process, if the payee of the two transaction parties can change the electronic money, the two transaction parties directly execute the change transaction without executing the change process through the commercial bank in the scheme; and under the condition that the payee determines that change cannot be made based on the change amount, the process in the embodiment of the application is executed, and the payee simultaneously sends the transaction amount payment verification code to the payer, so that the payee can realize the payment of the corresponding transaction amount from the commercial bank based on the transaction amount payment verification code after networking.
Wherein, the target information includes the transaction authorization information, or the target information further includes: the change payout verification code and/or the transaction amount payout verification code.
Namely, the target information comprises transaction authorization information; or, the target information comprises transaction authorization information and a change payment verification code; or, the target information comprises transaction authorization information and a transaction amount drawing verification code; or the target information comprises transaction authorization information, a change payment verification code and a transaction amount payment verification code.
Specifically, since the transaction authorization information is generated by the payer, the transaction authorization information for paying the digital money for payment to the commercial bank needs to be transmitted to the payee.
The transaction amount payment verification code and the change payment verification code are generated on the basis of the transaction amount and the change amount respectively, so that the two verification codes can be directly generated by a payer or generated by a payee and then sent to the payer. Therefore, when the change payment verification code is the change amount acquired by the payee, the change payment verification code is generated based on the change amount and is sent to the payer, the target information does not include the change payment verification code, that is, the payer is not required to send the change payment verification code to the payee; when the change payout verification code is generated for the payer based on the change amount, the payer is required to send the change payout verification code to the payee. When the transaction amount payment verification code is generated by the payee based on the transaction amount and is sent to the payer, the transaction amount payment verification code is not included in the target information, namely, the payer is not required to send the transaction amount payment verification code to the payee; when the transaction amount withdrawal verification code is generated by the payer based on the transaction amount, the payer is required to send the transaction amount withdrawal verification code to the payee. By combining the two situations, the target information does not comprise the transaction amount payment verification code and the change payment verification code at the same time, only comprises transaction authorization information and does not need the payer to send the transaction amount payment verification code and the change payment verification code to the payee under the condition that the transaction amount payment verification code and the change payment verification code are both generated by the payee and are sent to the payer; when the transaction amount payment verification code and the change payment verification code are generated by the payer, the target information comprises the transaction authorization information and also comprises the transaction amount payment verification code and the change payment verification code. The implementation of the above process enables the payee to obtain the transaction record containing the transaction authorization information, the transaction amount payment verification code, the change payment verification code, the transaction amount and the change amount, and to store the transaction record in the nonvolatile storage unit.
And 106, storing a transaction record containing the transaction authorization information, the transaction amount payment verification code, the change payment voucher code, the change payment verification code, the transaction amount and the change amount in a nonvolatile storage unit.
Here, transaction information (i.e., transaction record) for paying the digital money to be paid to the commercial bank is generated according to the transaction rule. For example: and the transaction authorization information, the transaction amount payment verification code, the change payment voucher code, the change payment verification code, the transaction amount and the change amount are hashed to obtain a hash value, and the hash value is signed by using a private key of a digital currency wallet of the payer to obtain the transaction information. The digital currency wallets of both transaction parties can save the transaction records so as to carry out information interaction with commercial banks in the subsequent process, thereby realizing the cashing of the digital currency in the currency transaction process.
The above process is explained with reference to specific examples. If change is involved in the digital money transaction settlement process, under the condition that the payer does not establish network connection with the commercial bank, the payer generates transaction authorization information for paying the whole money to the commercial bank, and obtains a related transaction amount payment verification code and a change payment verification code. For example, if the payer has 5 yuan, and pays 2 yuan to the payee, the payer may organize transaction information for paying 5 yuan to the commercial bank according to the transaction rules, and generate a verification code 1 for paying 2 yuan of the transaction amount and a verification code 2 for paying 3 yuan of change, the payee obtains the transaction amount payment verification code and also obtains transaction authorization information for authorizing the payer to pay the whole money to the commercial bank, and the payer retains the transaction authorization information and the change payment verification code. The method realizes that the payment of the virtualized electronic currency is achieved in advance under the condition that the payer does not establish network connection with the commercial bank, thereby realizing the transaction. After networking, the business bank can receive 5 yuan paid by the payer according to the transaction information after sending the related information to the business bank, the payee can draw 2 yuan from the business bank by the verification code 1, and the payer can draw 3 yuan from the business bank by the verification code 2, so that the electronic money is really credited.
Wherein the transaction record is a temporarily generated virtual transaction record. The virtual transaction record is formed as a proof that enables a real transfer of digital money to a money center based on the virtual transaction record after networking.
In the embodiment of the application, under the condition that the network connection with the commercial bank is not established, a payment instruction is received, the transaction amount is obtained and the digital currency for payment is determined based on the payment instruction, the transaction amount and the digital currency for payment, the transaction authorization information for paying the digital currency for payment to the commercial bank, the corresponding change payment verification code and the corresponding transaction amount payment verification code are generated, under the condition that the network connection between a payer and the commercial bank is not established, virtualized electronic currency payment is achieved in advance, offline change of money under the condition that the network connection with the commercial bank is not established is achieved, and the offline change payment transaction process is completed.
Different embodiments of digital currency change payment methods are also provided in the examples of this application.
Referring to fig. 2, fig. 2 is a flowchart of a digital currency change payment method according to an embodiment of the present disclosure. As shown in fig. 2, a digital currency change payment method includes the steps of:
instep 201, a payment instruction is received without establishing a network connection with a commercial bank.
The implementation process of this step is the same as that ofstep 101 in the foregoing embodiment, and is not described here again.
Based on the payment instruction, the transaction amount is obtained and the digital currency for payment is determined,step 202.
The implementation process of this step is the same as that ofstep 102 in the foregoing embodiment, and is not described here again.
The implementation process of this step is the same as the implementation process ofstep 103 in the foregoing embodiment, and is not described here again.
The transaction amount payment voucher code is used for paying money with the same transaction amount to the commercial bank by a collection party, the change payment voucher code is used for paying money with the same change amount to the commercial bank by a payment party, and the sum of the change and the transaction amount is equal to the total currency value of the digital currency for payment.
The implementation process of this step is the same as that ofstep 104 in the foregoing embodiment, and is not described here again.
Wherein, the target information includes the transaction authorization information, or the target information further includes: the change payout verification code and/or the transaction amount payout verification code.
The implementation process of this step is the same as that ofstep 105 in the foregoing embodiment, and is not described here again.
The implementation process of this step is the same as that ofstep 106 in the foregoing embodiment, and is not described here again.
And step 207, under the condition that the network connection with the commercial bank is established, sending the transaction record to the commercial bank.
Here, when the payer establishes a network connection with the commercial bank, the actual transfer of the digital money for payment corresponding to the transaction authorization information can be realized through the money center through the transaction record (virtual digital money exchange record) generated in the foregoing process, and the commercial bank can acquire the digital money for exchange by the payer (i.e., the digital money for payment).
In the case where the commercial bank acquires the digital money for payment through the transaction authorization information and verifies that the change payment voucher code passes, the money equivalent to the change amount is acquired from the commercial bank,step 208.
When any party of the two paying parties realizes networking with the commercial bank, the transaction record containing the transaction authorization information can be uploaded to the commercial bank, and the commercial bank uploads the digital money to be paid by the paying party and the transaction authorization information to the digital money server so as to transfer the digital money to be paid to the commercial bank.
The commercial bank saves the change payment verification code, the transaction amount payment verification code and the corresponding amount. Either party can request the commercial bank to draw the corresponding amount of money (the digital money can be drawn to the wallet, or drawn to the bank account, or drawn to the counter to draw cash) through the corresponding verification code.
After receiving the transaction record, the commercial bank needs to judge whether the amount of the digital currency for payment corresponding to the transaction authorization information is consistent with the transaction amount and the change amount, and if the amount is not consistent, the commercial bank refuses the transaction.
Because one of the two possible transaction parties firstly uploads the transaction record with the commercial bank in an internet manner, when the other party uploads the verification code to draw the corresponding currency amount, the commercial bank can firstly judge whether the corresponding verification code is stored in the database, if so, the corresponding currency is directly paid, otherwise, the steps of uploading transaction information and the like to the digital currency server are executed.
In the process, the payer pays the whole coin to the commercial bank in an off-line manner, and the payer and the payee pay change and transaction amount from the commercial bank through respective certificates.
In the embodiment of the application, under the condition that the network connection with the commercial bank is not established, a payment instruction is received, the transaction amount is obtained and the digital currency for payment is determined based on the payment instruction, the transaction amount and the digital currency for payment, the transaction authorization information for paying the digital currency for payment to the commercial bank, the corresponding change payment verification code and the corresponding transaction amount payment verification code are generated, under the condition that the network connection between a payer and the commercial bank is not established, virtualized electronic currency payment is achieved in advance, offline change of money under the condition that the network connection with the commercial bank is not established is achieved, and the offline change payment transaction process is completed.
Referring to fig. 3, fig. 3 is a block diagram of a digital money exchange payment system according to an embodiment of the present application, and only a portion related to the embodiment of the present application is shown for convenience of explanation.
The digital currencychange payment system 300 includes:
areceiving module 301, configured to receive a payment instruction without establishing a network connection with a commercial bank;
a first obtainingmodule 302, configured to obtain a transaction amount and determine digital currency for payment based on the payment instruction;
anauthorization module 303, configured to generate transaction authorization information for paying the digital currency for payment to a commercial bank based on the payment instruction, the transaction amount, and the digital currency for payment;
a second obtainingmodule 304, configured to obtain a transaction amount withdrawal verification code for verifying whether the transaction amount withdrawal voucher code is legal, and a change withdrawal verification code for verifying whether the change withdrawal voucher code is legal, where the transaction amount withdrawal voucher code is used for paying money equal to the transaction amount to the commercial bank from a receiving side, the change withdrawal voucher code is used for paying money equal to the change amount to the commercial bank from a paying side, and a sum of the change and the transaction amount is equal to a total currency value of the digital currency for payment;
afirst sending module 305 for sending the target information to the payee; wherein, the target information includes the transaction authorization information, or the target information further includes: the change payment verification code and/or the transaction amount payment verification code;
thestorage module 306 is configured to store a transaction record including the transaction authorization information, the transaction amount payment verification code, the change payment voucher code, the change payment verification code, the transaction amount, and the change amount in a nonvolatile storage unit.
The system further comprises:
the second sending module is used for sending the transaction record to the commercial bank under the condition that the network connection with the commercial bank is established;
and the third acquisition module is used for acquiring the money with the same amount as the change amount from the commercial bank under the condition that the commercial bank acquires the digital money for payment through the transaction authorization information and verifies that the change payment voucher code passes.
The second obtainingmodule 304 includes:
an acquisition sub-module for acquiring the transaction amount withdrawal verification code from the payee;
and the generation submodule is used for generating a change payment voucher code and generating the change payment verification code based on the change payment voucher code.
Wherein the generation submodule is specifically configured to:
and generating a random number, and generating the change payment voucher code based on the random number and the payer user identification.
Wherein the generation submodule is further specifically configured to:
and carrying out hash operation on the change payment voucher code to generate the change payment verification code.
The system further comprises:
a third sending module for determining a change amount based on the transaction amount and the digital currency for payment; sending the change amount to the payee;
wherein the transaction amount withdrawal verification code is sent by the payee under the condition that the change cannot be made based on the change amount.
The digital currency change payment device provided by the embodiment of the application can realize each process of the digital currency change payment method, can achieve the same technical effect, and is not repeated here for avoiding repetition.
Fig. 4 is a structural diagram of a terminal according to an embodiment of the present application. As shown in the figure, theterminal 4 of this embodiment includes: at least one processor 40 (only one shown in fig. 4), amemory 41, and acomputer program 42 stored in thememory 41 and executable on the at least oneprocessor 40, the steps of any of the various method embodiments described above being implemented when thecomputer program 42 is executed by theprocessor 40.
Theterminal 4 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. Theterminal 4 may include, but is not limited to, aprocessor 40, amemory 41. Those skilled in the art will appreciate that fig. 4 is only an example of aterminal 4 and does not constitute a limitation ofterminal 4 and may include more or less components than those shown, or some components in combination, or different components, for example, the terminal may also include input output devices, network access devices, buses, etc.
TheProcessor 40 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
Thememory 41 may be an internal storage unit of theterminal 4, such as a hard disk or a memory of theterminal 4. Thememory 41 may also be an external storage device of theterminal 4, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) and the like provided on theterminal 4. Further, thememory 41 may also include both an internal storage unit and an external storage device of theterminal 4. Thememory 41 is used for storing the computer program and other programs and data required by the terminal. Thememory 41 may also be used to temporarily store data that has been output or is to be output.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiments provided in the present application, it should be understood that the disclosed terminal and method can be implemented in other manners. For example, the above-described terminal embodiments are merely illustrative, and for example, the division of the modules is only one logical division, and other divisions may be realized in practice, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow in the method of the embodiments described above can be realized by a computer program, which can be stored in a computer-readable storage medium and can realize the steps of the embodiments of the methods described above when the computer program is executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
The present application realizes all or part of the processes in the method of the above embodiments, and may also be implemented by a computer program product, when the computer program product runs on a terminal, the steps in the above method embodiments may be implemented when the terminal executes the computer program product.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.
Claims (10)
1. A digital currency change payment method, comprising:
receiving a payment instruction without establishing a network connection with a commercial bank;
based on the payment instruction, acquiring a transaction amount and determining digital currency for payment;
generating transaction authorization information for paying the digital currency for payment to a commercial bank based on the payment instruction, the transaction amount and the digital currency for payment;
acquiring a transaction amount payment verification code for verifying whether a transaction amount payment voucher code is legal or not, and a change payment verification code for verifying whether a change payment voucher code is legal or not, wherein the transaction amount payment voucher code is used for paying money with the same transaction amount to the commercial bank in a money receiving direction, the change payment voucher code is used for paying money with the same change amount to the commercial bank in a paying direction, and the sum of the change and the transaction amount is equal to the total currency value of the digital currency for payment;
sending the target information to a payee; wherein, the target information includes the transaction authorization information, or the target information further includes: the change payment verification code and/or the transaction amount payment verification code;
and storing a transaction record containing the transaction authorization information, the transaction amount payment verification code, the change payment voucher code, the change payment verification code, the transaction amount and the change amount in a nonvolatile storage unit.
2. The digital currency change payment method of claim 1, further comprising:
sending the transaction record to the commercial bank in the case of establishing a network connection with the commercial bank;
in a case where the commercial bank acquires the digital money for payment through the transaction authorization information and verifies that the change payout voucher code passes, money of an amount equivalent to the change amount is acquired from the commercial bank.
3. The digital currency change payment method of claim 1, wherein the obtaining of the transaction amount payout verification code for verifying whether the transaction amount payout voucher code is legitimate, and the change payout verification code for verifying whether the change payout voucher code is legitimate, comprises:
obtaining the transaction amount payment verification code from the payee;
and generating a change payment voucher code, and generating the change payment verification code based on the change payment voucher code.
4. The digital currency change payment method of claim 3, wherein generating the change payout voucher code comprises:
and generating a random number, and generating the change payment voucher code based on the random number and the payer user identification.
5. The digital currency change payment method of claim 3, wherein generating the change payout verification code based on the change payout voucher code comprises:
and carrying out hash operation on the change payment voucher code to generate the change payment verification code.
6. The digital currency change payment method of claim 3, wherein after obtaining the transaction amount and determining the digital currency for payment based on the payment instruction, further comprising:
determining a change amount based on the transaction amount and the digital currency for payment;
sending the change amount to the payee;
wherein the transaction amount withdrawal verification code is sent by the payee under the condition that the change cannot be made based on the change amount.
7. A digital currency change payment system, comprising:
the receiving module is used for receiving a payment instruction under the condition that the network connection with a commercial bank is not established;
the first acquisition module is used for acquiring the transaction amount and determining the digital currency for payment based on the payment instruction;
the authorization module is used for generating transaction authorization information for paying the digital currency for payment to a commercial bank based on the payment instruction, the transaction amount and the digital currency for payment;
a second obtaining module, configured to obtain a transaction amount withdrawal verification code for verifying whether the transaction amount withdrawal voucher code is legal, and a change withdrawal verification code for verifying whether the change withdrawal voucher code is legal, where the transaction amount withdrawal voucher code is used for paying money equal to the transaction amount to the commercial bank from a money receiving side, the change withdrawal voucher code is used for paying money equal to the change amount to the commercial bank from a money paying side, and a sum of the change and the transaction amount is equal to a total currency value of the digital currency for payment;
the first sending module is used for sending the target information to a payee; wherein, the target information includes the transaction authorization information, or the target information further includes: the change payment verification code and/or the transaction amount payment verification code;
and the storage module is used for storing a transaction record containing the transaction authorization information, the transaction amount payment verification code, the change payment voucher code, the change payment verification code, the transaction amount and the change amount in a nonvolatile storage unit.
8. The digital currency change payment system of claim 7, further comprising:
the second sending module is used for sending the transaction record to the commercial bank under the condition that the network connection with the commercial bank is established;
and the third acquisition module is used for acquiring the money with the same amount as the change amount from the commercial bank under the condition that the commercial bank acquires the digital money for payment through the transaction authorization information and verifies that the change payment voucher code passes.
9. A terminal comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the steps of the method according to any of claims 1 to 6 when executing the computer program.
10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 6.
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| CN201911359365.2ACN112712353B (en) | 2019-12-25 | 2019-12-25 | Digital currency zero-payment method, system and terminal |
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| CN201911359365.2ACN112712353B (en) | 2019-12-25 | 2019-12-25 | Digital currency zero-payment method, system and terminal |
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| CN112712353B CN112712353B (en) | 2024-04-12 |
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| CN112712353B (en) | 2024-04-12 |
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