Payment method, device and system based on public digital currency wallet

Abstract

The invention provides a payment method, device and system based on a public digital currency wallet. The payment method based on the public digital currency wallet comprises the following steps: receiving sub wallet information and a payment request from a wallet terminal, wherein the payment request comprises payment time, a payment type and a payment limit; finding a corresponding sub-wallet according to the sub-wallet information; judging whether the payment time is within a sub-wallet effective date of the sub-wallet or not, and judging whether the payment limit is greater than the payment limit under the payment type of the sub-wallet or not; when the payment time is within the valid date of the sub wallet and the payment limit is less than or equal to the payment limit, performing fund payment according to the payment limit, and sending payment success information to the wallet terminal; and receiving and storing the invoice information from the wallet terminal. The payment method can prevent business trips from paying funds in advance, reduces the fund pressure of the business trips, controls the use channel and time of the pre-expenditure, and reduces the manpower cost.

Description

technical field [0001] The present invention relates to the technical field of digital currency wallets, in particular to a payment method, device and system based on public digital currency wallets. Background technique [0002] At present, travel expenses account for a considerable proportion of the expenses of large and medium-sized enterprises. In order to effectively control and manage this huge expense, most enterprise units have formulated travel policies and systems; Pay the travel expenses in advance, and reimburse the expenses through the invoice and itinerary after the trip is over. If employees are away on business trips for a long time, the advance payment will put a lot of economic pressure on the employees; if the expense advance payment method is adopted, it is currently impossible to control how employees use the advance payment in advance. After the business trip is over, the traveler still needs to fill in the reimbursement application, the management per...

AI Technical Summary

Problems solved by technology

If employees are away on business trips for a long time, the advance payment will put a lot of economic pressure on the employees; if the expense advance payment method is adopted, it is currently impossible to control how employees use the advance payment in advance

After the business trip is over, the traveler still needs to fill in the reimbursement application, the management personnel will conduct a second review, and the accounting staff will write off the bills, etc., which will consume a lot of labor costs for the enterprise.

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