Transaction method and system

Abstract

The invention provides a transaction method and system, a mobile terminal is provided with an SIM card hard wallet with a payment function, and the transaction method comprises the steps that the SIM card hard wallet receives a transaction instruction issued by a communication management platform, processes the transaction instruction based on instruction data in the transaction instruction, and generates a transaction instruction processing result; the transaction instruction is generated based on payee information obtained by the mobile terminal from an electronic tag and payer information and transaction information input by a user through the mobile terminal; and the SIM card hard wallet sends the transaction instruction processing result to the communication management platform, so that the communication management platform initiates a payment request based on the transaction instruction processing result. Through the scheme, the transaction convenience can be further improved, and the transaction flexibility is improved while the transaction security is ensured.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a transaction method and system. Background Art

[0002] With the development of digital payment and the popularity of mobile payment, people have higher requirements for the security, convenience and efficiency of payment methods. Traditional e-wallet payment solutions usually rely on special POS terminals, and users use bank card hard wallets to swipe cards on POS machines to complete payments. This payment method may be limited by the distribution of POS machines, and the cost of POS machine transformation is high. In addition, the payment process is cumbersome and requires users to perform multiple operations. Therefore, this payment method cannot adapt to the rapidly changing payment needs and environment. Summary of the invention

[0003] In view of this, the purpose of this application is to provide a transaction method and system, which realizes quick payment transactions through the interaction of electronic tags, communication management platforms and mobile terminals equipped with SIM card hard wallets with payment functions, so that electronic currency payment transactions are no longer restricted by POS machines, and further improves the convenience of transactions, ensures transaction security and improves transaction flexibility.

[0004] The embodiment of the present application provides a transaction method, wherein a SIM card hard wallet with a payment function is provided on a mobile terminal, and the transaction method comprises:

[0005] The SIM card hard wallet receives the transaction instruction issued by the communication management platform, processes the transaction instruction based on the instruction data in the transaction instruction, and generates a transaction instruction processing result;

[0006] The SIM card hard wallet sends the transaction instruction processing result to the communication management platform, so that the communication management platform initiates a payment request based on the transaction instruction processing result.

[0007] Optionally, the transaction method further includes:

[0008] The mobile terminal obtains the payee information and the preset website from the electronic tag;

[0009] The mobile terminal displays a payment page based on the preset website;

[0010] The mobile terminal obtains the payer information and transaction information entered by the user on the payment page, organizes a transaction request based on the payee information, the payer information and the transaction information, and sends the transaction request to the communication management platform.

[0011] Optionally, the mobile terminal obtains the payee information and the preset website from the electronic tag, including:

[0012] The mobile terminal sends a near field communication request to the electronic tag, and receives a near field communication response including the payee information and a preset website returned by the electronic tag.

[0013] Optionally, the mobile terminal displays a payment page based on the preset website, including:

[0014] Starting a designated browser on the mobile terminal;

[0015] The preset website is loaded through the designated browser, and the payment page is displayed on the mobile terminal after loading is completed.

[0016] Optionally, the SIM card hard wallet receives a transaction instruction issued by the communication management platform, including:

[0017] The SIM card hard wallet receives the transaction instruction sent by the communication management platform in the form of a data SMS.

[0018] Optionally, the processing the transaction instruction based on the instruction data in the transaction instruction and generating a transaction instruction processing result includes:

[0019] The SIM card hard wallet verifies the instruction data in the transaction instruction through the target application in the SIM card hard wallet, and generates the transaction instruction processing result based on the verification result.

[0020] The present application embodiment provides another transaction method, which is applied to a communication management platform. The transaction method includes:

[0021] The communication management platform generates a transaction instruction based on the payee information obtained by the mobile terminal from the electronic tag and the payer information and transaction information input by the user through the mobile terminal, and sends the transaction instruction to the SIM card hard wallet;

[0022] The communication management platform receives the transaction instruction processing result generated by the SIM card hard wallet according to the transaction instruction, and initiates a payment request to the digital transaction management platform according to the transaction instruction processing result, so that the digital transaction management platform performs an electronic currency payment operation based on the payment request.

[0023] Optionally, the communication management platform generates a transaction instruction based on the payee information obtained by the mobile terminal from the electronic tag and the payer information and transaction information input by the user through the mobile terminal, including:

[0024] The communication management platform receives a transaction request sent by a mobile terminal; wherein the transaction request includes payee information, payee information and transaction information;

[0025] The communication management platform performs a consistency check on the payer information, and after the check passes, executes the step of generating a transaction instruction based on the payee information in the transaction request and the transaction information to obtain the transaction instruction.

[0026] Optionally, initiating a payment request according to the transaction instruction processing result includes:

[0027] The communication management platform verifies the transaction instruction processing result;

[0028] After the check is passed, a payment request is generated based on the payee information, the payer information and the transaction information, and the payment request is sent to the digital transaction management platform so that the digital transaction management platform performs an electronic currency payment operation based on the payment request.

[0029] Optionally, the digital transaction management platform includes a payee management platform, and the digital transaction management platform performs an electronic currency payment operation based on the payment request, including:

[0030] The digital transaction management platform organizes the electronic currency payment request based on the payee information, payer information and payment information in the payment request, and sends the electronic currency payment request to the payee management platform, so that the payee platform completes the electronic currency payment based on the payer information, payee information and transaction information in the electronic currency payment request.

[0031] Optionally, the transaction method further includes:

[0032] The digital transaction management platform receives the electronic currency payment response including the payment result sent by the payee platform, checks the payment result, and after passing the check, sends the payment result to the mobile terminal through the communication management platform so that the mobile terminal displays the payment result.

[0033] The embodiment of the present application also provides a transaction system, which includes: an electronic tag, a mobile terminal, a communication management platform, and a digital transaction management platform, wherein a SIM card hard wallet with a payment function is provided on the mobile terminal:

[0034] The mobile terminal generates a transaction request according to the interaction data obtained by performing proximity communication with the electronic tag, and sends the transaction request to the communication management platform;

[0035] The communication management platform generates a transaction instruction according to the transaction request and sends it to the SIM card hard wallet;

[0036] The SIM card hard wallet sends a transaction instruction processing result generated by processing the transaction instruction to the communication management platform;

[0037] The communication management platform sends a payment request generated according to the transaction instruction processing result to the digital transaction management platform;

[0038] The digital transaction management platform responds to the payment request, performs payment transaction processing, generates a payment result, and feeds back the payment result to the mobile terminal.

[0039] An embodiment of the present application further provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the transaction method described above are executed.

[0040] A transaction method and system provided in an embodiment of the present application, a mobile terminal is provided with a SIM card hard wallet with a payment function, and the transaction method includes: the SIM card hard wallet receives a transaction instruction issued by a communication management platform, processes the transaction instruction based on instruction data in the transaction instruction, and generates a transaction instruction processing result; the transaction instruction is generated based on the payee information obtained by the mobile terminal from the electronic tag and the payer information and transaction information input by the user through the mobile terminal; the SIM card hard wallet sends the transaction instruction processing result to the communication management platform, so that the communication management platform initiates a payment request based on the transaction instruction processing result.

[0041] In this way, electronic currency transactions based on the technical solution provided by this application have the following advantages:

[0042] 1. Convenience: Users do not need to carry bank cards or special payment devices, they can complete the payment using ordinary mobile terminals, which greatly improves the convenience of payment.

[0043] 2. Flexibility: Since the payment process does not rely on a specific POS machine, users can make payments anywhere there is mobile network coverage, without location restrictions.

[0044] 3. Security: Communication management platforms and digital transaction management platforms are used in the payment process. These platforms usually have high security standards and can ensure the security of the payment process.

[0045] 4. Simplified process: Users only need to enter the payer information (which may include mobile phone number and amount) on the payment interface to complete the payment, without the need for complicated operations, thus improving payment efficiency.

[0046] 5. Compatibility: The solution is compatible with the existing bank card hard wallet system, eliminating the need for large-scale transformation of the existing payment system and reducing implementation costs.

[0047] 6. No need to install additional applications: Users do not need to install additional payment applications, they can complete the payment through the browser, reducing the user's operation steps.

[0048] 7. Promotion potential: Due to the convenience and flexibility of the transaction method, this solution has great market promotion potential and will help promote the popularization and application of electronic currency.

[0049] To sum up, the technical solution of this application provides a safe, convenient and efficient payment method by utilizing mobile network and SIM card hard wallet technology, which has positive significance for promoting the application of electronic currency and improving payment experience.

[0050] In order to make the above-mentioned objects, features and advantages of the present application more obvious and easy to understand, preferred embodiments are specifically cited below and described in detail with reference to the attached drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0051] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the embodiments will be briefly introduced below. It should be understood that the following drawings only show certain embodiments of the present application and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0052] Figure 1 A schematic diagram of the structure of a trading system provided for this application;

[0053] Figure 2 A schematic diagram of the structure of another trading system provided for this application;

[0054] Figure 3 A flow chart of a transaction method provided in an embodiment of the present application;

[0055] Figure 4 A flowchart of another transaction method provided in an embodiment of the present application. DETAILED DESCRIPTION

[0056] To make the purpose, technical scheme and advantages of the embodiments of the present application clearer, the technical scheme in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all of the embodiments. The components of the embodiments of the present application usually described and shown in the drawings here can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of the present application provided in the drawings is not intended to limit the scope of the application claimed for protection, but merely represents the selected embodiments of the present application. Based on the embodiments of the present application, each other embodiment obtained by those skilled in the art without making creative work belongs to the scope of protection of the present application.

[0057] In order to better illustrate the present invention, the relevant terms are explained as follows:

[0058] E-wallet: an e-wallet service platform for individual users;

[0059] Electronic wallet: is a storage medium for electronic currency, which is divided into two categories: soft wallet and hard wallet. The electronic wallet in this application includes but is not limited to digital currency wallet.

[0060] Electronic currency hard wallet: refers to a physical medium for storing electronic currency opened through a counter or electronic channel. The electronic currency hard wallet in this application includes but is not limited to a digital currency hard wallet.

[0061] Near Field Communication: It is a short-range, high-frequency wireless communication technology that allows contactless point-to-point data transmission and exchange between electronic devices.

[0062] First, the application scenarios to which this application is applicable are introduced. The target objects and scenarios to which this application is applicable include: individual consumers, merchants, online merchants, public service agencies, and financial institutions.

[0063] Among them, in daily life, individual consumers can use mobile terminals to make electronic currency payments in shopping malls, supermarkets, restaurants and other places; merchants accept electronic currency payments from consumers through this application scheme; online merchants can integrate the payment interface of this application scheme to allow consumers to use electronic currency payments when shopping online; public service agencies: such as public transportation, water and electricity payment and other public service agencies can use this application scheme to accept users to pay fees using electronic currency; financial institutions can use this application scheme as a supplementary means of electronic currency payment to provide users with more payment options.

[0064] Research has found that traditional e-wallet payment solutions usually rely on special POS terminals, and users use bank card hard wallets to swipe cards on POS machines to complete payments. This payment method may be limited by the distribution of POS machines, and the cost of POS machine transformation is high. In addition, the payment process is cumbersome and requires users to perform multiple operations. Therefore, this payment method cannot adapt to the rapidly changing payment needs and environment.

[0065] Based on this, the embodiment of the present application provides a transaction method and system, which realizes quick payment transactions through the interaction of electronic tags, communication management platforms and mobile terminals equipped with SIM card hard wallets with payment functions, so that electronic currency payment transactions are no longer restricted by POS machines, and further improves the convenience of transactions, as well as the flexibility of transactions while ensuring transaction security.

[0066] See also Figure 1 , Figure 1 A schematic diagram of the structure of a trading system provided for this application, such as Figure 1 As shown, the transaction system 100 includes: an electronic tag 110, a mobile terminal 120, a communication management platform 130 and a digital transaction management platform 140. The mobile terminal 120 is provided with a SIM card hard wallet 150 with a payment function.

[0067] like Figure 1 As shown, when conducting electronic currency transactions through the trading system provided by this application, the specific implementation steps are as follows:

[0068] Step S101: When an electronic currency transaction is required, the user controls the mobile terminal 120 and the electronic tag 110 to perform near field communication to obtain pre-stored information on the electronic tag 110;

[0069] Specifically, the pre-stored information may be payee information and a preset website.

[0070] Step S102, transmitting the pre-stored information on the electronic tag 110 to the mobile terminal 120;

[0071] Specifically, the payee information and the preset website address pre-stored on the electronic tag are transmitted to the mobile terminal.

[0072] Step S103: The mobile terminal 120 displays a payment page on the user interaction interface according to the obtained pre-stored information, and obtains payer information and transaction information according to the user's operation on the payment page;

[0073] Specifically, the mobile terminal displays a payment page on the user interaction interface according to the preset website in the obtained pre-stored information, and obtains the payer information and transaction information according to the user's operation on the payment page.

[0074] Step S104: After obtaining the payer information, the mobile terminal 120 generates a transaction request and sends the transaction request to the communication management platform 130;

[0075] Specifically, after obtaining the payee information, the mobile terminal generates a transaction request based on the payee information, the payee information and the transaction information, and sends the transaction request to the communication management platform;

[0076] Specifically, the payer information includes the user's mobile phone number;

[0077] Step S105: The communication management platform 130 first verifies the consistency of the user's mobile phone number according to the received transaction request, and generates a data SMS including the transaction instruction after the verification is passed;

[0078] Step S106, the communication management platform 130 sends a data SMS containing the transaction instruction to the SIM card hard wallet 150;

[0079] Step S107: The SIM card hard wallet 150 processes the received transaction instruction and generates a transaction instruction processing result;

[0080] Step S108, the SIM card hard wallet 150 sends the generated transaction instruction processing result to the communication management platform 130;

[0081] Step S109: the communication management platform 130 checks the processing result according to the received transaction instruction processing result and generates a payment request;

[0082] Step S110, the communication management platform 130 sends the payment request to the digital transaction management platform 140;

[0083] Step S111, the digital transaction management platform 140 performs electronic currency payment transaction processing according to the received payment request;

[0084] Step S112, the digital transaction management platform 140 feeds back the payment result of this processing to the communication management platform 130;

[0085] Step S113: the communication management platform 130 checks the payment result according to the feedback payment result;

[0086] Step S114, the communication management platform 130 feeds back the payment result to the mobile terminal 120;

[0087] Step S115: After receiving the payment result, the mobile terminal 120 displays it to the user.

[0088] With respect to step S101, the mobile terminal 120 is a mobile terminal supporting the NFC function. By way of example, the mobile terminal includes but is not limited to the following devices: a mobile phone, a tablet, a wearable device, etc.

[0089] The electronic tag 110 may be an NFC electronic tag.

[0090] When the mobile terminal 120 communicates with the electronic tag 110 upon entering the field, the mobile terminal 120 may communicate in a “touch and pay” manner.

[0091] The pre-stored information on the electronic tag 110 includes a preset website and payee information. The preset website is used to display a payment page on the mobile terminal; the payee information includes but is not limited to the following: payee name, payee account number, payee identification code.

[0092] With respect to step S102 , when the pre-stored information on the electronic tag 110 is transmitted to the mobile terminal 120 , the mobile terminal 120 may pull the pre-stored information from the electronic tag.

[0093] With respect to step S103, the mobile terminal 120 displays a payment page on the user interaction interface according to the preset website in the obtained pre-stored information. The payment page may be an H5 page.

[0094] Displaying the payment page can be used to remind the user (payer) to enter payment information.

[0095] The user fills in the corresponding information (payer information) according to the information input box reserved on the payment page. After completing the filling, the transaction request is initiated (the organization generates the transaction request). The information entered by the user includes at least the mobile phone number and the transaction amount.

[0096] Here, the payer information includes not only the mobile phone number and transaction amount, but also payment account number and other information.

[0097] With respect to step S104, the transaction request includes payer information, payee information and transaction information.

[0098] The communication management platform 130 may be a network platform of a communication operator.

[0099] For step S105, after receiving the transaction request, the communication management platform 130 identifies the mobile phone number of the payer in the transaction request, and then verifies the consistency of the mobile phone number based on the verification mechanism pre-set by the platform; after the verification is passed, a transaction instruction is generated according to the transaction request, and the transaction instruction is sent to the SIM card hard wallet 150 in the mobile terminal in the form of a data SMS.

[0100] Here, the SIM card hard wallet 150 has an electronic currency payment function, which can be specifically to associate the digital RMB soft wallet with the SIM.

[0101] Among them, data SMS, also known as digital SMS, is an enhanced SMS service based on ordinary SMS. It uses specific encoding technology to send a variety of media content such as video, audio, web pages, GIF images, text, instructions, etc. to users' mobile phones through operators.

[0102] With respect to step S106 , based on the communication protocol between the SIM card hard wallet 150 and the communication management platform 130 , the communication management platform 130 sends the data message to the SIM card hard wallet 150 , so that the SIM card hard wallet 150 can respond to and process the transaction instruction in the data message.

[0103] With respect to step S107, the transaction instruction may include information such as the transaction amount, the payment account, and the receiving account.

[0104] When processing the received transaction instruction, the SIM card hard wallet 150 can verify the compliance and feasibility of the transaction according to the account information in the electronic currency soft wallet associated with the SIM card hard wallet, and generate an instruction processing result after the verification is completed.

[0105] With respect to step S108, when the SIM card hard wallet 150 sends the generated transaction instruction processing result to the communication management platform 130, the transaction instruction processing result can be fed back to the communication management platform 130 in the apdu format.

[0106] For step S109, the communication management platform 130 checks the processing result according to the received transaction instruction processing result; after determining that the instruction processing result indicates that the transaction can be carried out, the transaction token is extracted, and a payment request is generated based on the extracted transaction token.

[0107] With respect to step S110 , the payment request sent by the communication management platform 130 to the digital transaction management platform 140 includes a transaction token.

[0108] With respect to step S111, after receiving the payment request, the digital transaction management platform 140 performs electronic currency payment transaction processing according to the transaction information carried in the payment request and the pre-set transaction processing rules, and generates the payment result after the processing is completed.

[0109] With respect to step S112 , the digital transaction management platform 140 feeds back the payment result order to the communication management platform 130 .

[0110] For step S113, after receiving the feedback payment result, the communication management platform 130 checks the payment result to determine whether the payment meets the requirements and whether the payment amount is correct, and generates a payment result that meets the format requirements for receiving the mobile terminal.

[0111] With respect to step S114 , when the communication management platform 130 feeds back the payment result to the mobile terminal 120 , the payment result may be fed back to the mobile terminal 120 in the form of an active command.

[0112] With respect to step S115, after receiving the payment result, the mobile terminal 120 displays the payment result to the user through the user interaction interface.

[0113] In an implementation manner provided in the present application, with respect to the digital transaction management platform 140 described in the transaction system 100 , the digital transaction management platform 140 includes a front-end transaction business management platform 141 and a payee management platform 142 .

[0114] See also Figure 2 , Figure 2 A schematic diagram of another trading system provided for this application, such as Figure 2 As shown, in step S111, the digital transaction management platform 140 performs electronic currency payment transaction processing according to the received payment request, including:

[0115] Step S1111, the front-end transaction business management platform 141 processes the electronic currency payment request sent by the communication management platform, and generates an electronic currency payment request that meets the receiving requirements of the payee platform;

[0116] Step S1112, the front-end transaction business management platform 141 sends the generated electronic currency payment request to the payee management platform 142;

[0117] Step S1113: the payee management platform 142 performs transaction processing according to the electronic currency payment request, including identifying the payment institution to deduct the payment and simultaneously performing the payee's amount increase processing.

[0118] Step S1114: the payee management platform 142 feeds back the payment result to the front-end transaction business management platform 141;

[0119] Step S1115: The front-end transaction business management platform 141 checks the payment result and generates a payment result that meets the requirements of the communication management platform.

[0120] Here, when the front-end transaction business management platform 141 generates an electronic currency payment request according to the payment request, it can specifically perform operations such as format conversion processing and payee management platform identification processing.

[0121] For further information, see Figure 3 , Figure 3 A flow chart of a transaction method provided by an embodiment of the present application. A SIM card hard wallet 150 with a payment function is provided on the mobile terminal, and the SIM card hard wallet 150 is associated with an electronic currency soft wallet.

[0122] like Figure 3 As shown in , the transaction method provided by the embodiment of the present application includes:

[0123] S301. The SIM card hard wallet receives a transaction instruction issued by a communication management platform, processes the transaction instruction based on instruction data in the transaction instruction, and generates a transaction instruction processing result.

[0124] S302: The SIM card hard wallet sends the transaction instruction processing result to the communication management platform, so that the communication management platform initiates a payment request based on the transaction instruction processing result.

[0125] For S301 , the offline transaction instruction is determined according to the transaction request sent by the mobile terminal 120 ; the transaction request includes the payee information obtained by the mobile terminal 120 from the electronic tag 110 and the payer information input by the user through the mobile terminal 120 .

[0126] Here, the transaction instruction is determined by the communication management platform 130 according to the transaction information sent by the mobile terminal 120 .

[0127] In this way, transaction instructions are issued using the data SMS capability of the communication management platform 130, thereby ensuring the secure transmission of payment instructions and completing payment operations without a network connection.

[0128] For example, when the mobile terminal 120 sends a transaction request to the communication management platform 130, it can be sent in the form of a communication signal, and in special cases, it can also be sent in the form of a network signal.

[0129] In an implementation manner provided in the present application, before the SIM card hard wallet receives a transaction instruction issued by the communication management platform, the transaction method further includes:

[0130] S401. The mobile terminal obtains payee information and a preset website from the electronic tag.

[0131] S402: The mobile terminal displays a payment page based on the preset website.

[0132] S403, the mobile terminal obtains the payer information and transaction information entered by the user on the payment page, organizes a transaction request based on the payee information, the payer information and the transaction information, and sends the transaction request to the communication management platform.

[0133] With respect to step S401, the mobile terminal obtains the payee information and the preset website from the electronic tag, including: the mobile terminal sends a near field communication request to the electronic tag, and receives a near field communication response including the payee information and the preset website returned by the electronic tag.

[0134] Here, the mobile terminal 120 supports the NFC function, and the electronic tag 110 may be an NFC tag, so that near field communication can be performed between the mobile terminal 120 and the electronic tag 110 .

[0135] With respect to step S402, in one implementation provided in the present application, the mobile terminal displays a payment page based on the preset website, including:

[0136] S4021. Start a designated browser on the mobile terminal.

[0137] S4022: Load the preset website through the designated browser, and display the payment page on the mobile terminal after loading is completed.

[0138] With respect to step S4021, the designated browser may be a browser provided by the mobile terminal.

[0139] For step S4022, for example, the loading process of the payment page may include: entering a pre-stored URL (URL) in the browser address bar; URL resolution / DNS resolution to find the domain name IP address; initiating an HTTP request through a network connection; HTTP message transmission process; the server receives data; the server responds to the request; the server returns data; the client receives data; the browser loads / renders the page; and displays the payment page.

[0140] In this way, by obtaining the website information and loading and displaying the payment page through the built-in browser, the user does not need to install additional payment applications and can complete the payment through the browser, reducing the user's operation steps.

[0141] With respect to step S403, in this step, after the payment page is displayed, the user's input operation in the designated area of ​​the payment page is identified in real time, thereby obtaining the payer information and transaction information.

[0142] Here, the user's input operation includes inputting a mobile phone number and inputting a payment amount.

[0143] The payer information includes the mobile phone number, payment amount, payment account, etc.

[0144] The payee information, the payee information and the transaction information are organized into a transaction request, and the mobile terminal 120 sends the transaction request to the communication management platform 130 in a data format acceptable to the communication management platform.

[0145] Continuing with step S301, in an implementation manner provided in the present application, the SIM card hard wallet receives a transaction instruction issued by a communication management platform, including: the SIM card hard wallet receives the transaction instruction issued by the communication management platform via a data SMS.

[0146] Here, when generating a transaction instruction, the following implementation process may be specifically included: the communication management platform verifies the consistency of the mobile phone number according to the mobile phone number in the transaction instruction; after the verification is passed, an offline transaction instruction is generated according to the transaction instruction, and a data SMS is generated and sent to the mobile terminal.

[0147] In this step, when the communication management platform verifies the consistency of the mobile phone number based on the mobile phone number in the transaction information, the mobile phone number consistency verification can be performed according to the preset verification rules in the platform; the verification can determine whether it is compliant, etc.

[0148] Here, according to the communication protocol between the communication management platform 130 and the SIM card hard wallet 150, a data message is generated and sent to the SIM card hard wallet 150 on the mobile terminal. The data message includes a transaction instruction, and the transaction instruction may include information such as the payment amount.

[0149] Continuing with step S301, in another implementation provided in the present application, the transaction instruction is processed based on the instruction data in the transaction instruction, and a transaction instruction processing result is generated, including: the SIM card hard wallet verifies the instruction data in the transaction instruction through the target application in the SIM card hard wallet, and generates the transaction instruction processing result based on the verification result.

[0150] Here, when processing the received transaction instruction, the SIM card hard wallet 150 can verify the compliance and feasibility of the transaction according to the account information in the electronic currency soft wallet associated with the SIM card hard wallet, and generate the instruction processing result after the verification is completed.

[0151] For further information, see Figure 4 , Figure 4 A flowchart of another transaction method provided in an embodiment of the present application. The transaction method is applied to a communication management platform. Figure 4As shown, the transaction method includes:

[0152] S501. The communication management platform generates a transaction instruction based on the payee information obtained by the mobile terminal from the electronic tag and the payer information and transaction information input by the user through the mobile terminal, and sends the transaction instruction to the SIM card hard wallet.

[0153] S502: The communication management platform receives the transaction instruction processing result generated by the SIM card hard wallet according to the transaction instruction, and initiates a payment request to the digital transaction management platform according to the transaction instruction processing result, so that the digital transaction management platform performs an electronic currency payment operation based on the payment request.

[0154] For step S501, in one embodiment provided in the present application, the communication management platform generates a transaction instruction based on the payee information obtained by the mobile terminal from the electronic tag and the payer information and transaction information entered by the user through the mobile terminal, including: the communication management platform receives a transaction request sent by the mobile terminal; wherein the transaction request includes the payee information, the payer information and the transaction information; the communication management platform performs a consistency check on the payer information, and after the check is passed, executes the step of generating a transaction instruction based on the payee information in the transaction request and the transaction information to obtain a transaction instruction.

[0155] Here, the communication management platform 130 performs a consistency check on the payer information, specifically a consistency check on the mobile phone number.

[0156] If the consistency check fails, the communication management platform 130 may feed back a check failure result to the mobile terminal 120 .

[0157] With respect to step S502, in one embodiment provided in the present application, initiating a payment request based on the transaction instruction processing result includes: the communication management platform verifies the transaction instruction processing result; after the check is passed, generates a payment request based on the payee information, the payer information and the transaction information, and sends the payment request to the digital transaction management platform, so that the digital transaction management platform performs an electronic currency payment operation based on the payment request.

[0158] Here, when the communication management platform verifies the transaction instruction processing result, if it is determined that the instruction processing result indicates that this transaction should be carried out, the communication management platform extracts the transaction token based on the payee information, the payer information and the transaction information, and generates a payment request based on the extracted transaction token and the communication protocol between the communication management platform 130 and the digital transaction management platform 140, and sends the payment request to the digital transaction management platform 140.

[0159] Optionally, in another implementation manner provided in the present application, the digital transaction management platform includes a payee management platform, and the digital transaction management platform performs an electronic currency payment operation based on the payment request, including: the digital transaction management platform organizes the electronic currency payment request based on the payee information, payer information and payment information in the payment request, and sends the electronic currency payment request to the payee management platform, so that the payee platform completes the electronic currency payment based on the payer information, payee information and transaction information in the electronic currency payment request.

[0160] Here, the digital transaction management platform also includes a front-end transaction business management platform, which organizes electronic currency payment requests based on the payee information, payer information and payment information in the payment request. Specifically, the front-end transaction business management platform organizes electronic currency payment requests based on the payee information, payer information and payment information in the payment request.

[0161] When the payee management platform performs transaction processing according to the electronic currency transaction request, it may include, for example: identifying the payee account and deducting money, identifying the payee account, and increasing the corresponding amount.

[0162] The payee management platform 142 is responsible for processing the payment results and feeding them back to the front-end transaction business management platform 141 to ensure the smooth completion of the payment process and provide confirmation of the payment results.

[0163] In another embodiment provided in the present application, the transaction method also includes: the digital transaction management platform receives an electronic currency payment response containing a payment result sent by the payee platform, checks the payment result, and after the check is passed, sends the payment result to the mobile terminal through the communication management platform, so that the mobile terminal displays the payment result.

[0164] Here, the payment result is checked, including payment verification and payment verification. The payment verification can be performed by the digital transaction management platform 140, and the payment verification can be performed by the communication management platform 130.

[0165] The mobile terminal 120 receives and displays the payment result sent by the communication management platform 130. The transaction result may be sent via SMS or application notification.

[0166] By way of example, the transaction method provided by the present application is simplified through the following content. The merchant information and the website address of the payment page are preset in the electronic tag in advance. For example, when a user is shopping at a merchant, the merchant presents the electronic tag of the electronic currency hard wallet, and the user touches the electronic tag through the NFC function of the mobile phone, triggering the browser on the mobile phone to start the merchant H5 payment page. After the user enters the mobile phone number and the consumption amount on the H5 page, the H5 page sends the transaction request to the communication management platform. Then, the communication management platform sends the transaction instruction to the user's SIM card hard wallet via a data SMS. After the SIM card hard wallet completes the hard wallet transaction instruction processing, it returns the processing result to the communication management platform. Then, the communication management platform initiates an order request to the front-end transaction business management platform. The front-end transaction business management platform organizes the electronic currency payment request to the payee management platform based on the order information. After the payee management platform completes the collection, it returns the electronic currency payment response to the front-end transaction business management platform. After checking the collection result, the front-end transaction business management platform returns the transaction order response to the communication management platform. After checking the payment result, the communication technology electronic currency management platform returns the payment result to the H5 page. Finally, the successful payment result will be displayed on the H5 page of the user's mobile phone.

[0167] In this way, electronic currency transactions based on the technical solution provided by this application have the following advantages:

[0168] 1. Convenience: Users do not need to carry bank cards or special payment devices, they can complete the payment using ordinary mobile terminals, which greatly improves the convenience of payment.

[0169] 2. Flexibility: Since the payment process does not rely on a specific POS machine, users can make payments anywhere there is mobile network coverage, without location restrictions.

[0170] 3. Security: Communication management platforms and digital transaction management platforms are used in the payment process. These platforms usually have high security standards and can ensure the security of the payment process.

[0171] 4. Simplified process: Users only need to enter the payer information (which may include mobile phone number and amount) on the payment interface to complete the payment, without the need for complicated operations, thus improving payment efficiency.

[0172] 5. Compatibility: The solution is compatible with the existing bank card hard wallet system, eliminating the need for large-scale transformation of the existing payment system and reducing implementation costs.

[0173] 6. No need to install additional applications: Users do not need to install additional payment applications, they can complete the payment through the browser, reducing the user's operation steps.

[0174] 7. Promotion potential: Due to the convenience and flexibility of the transaction method, this solution has great market promotion potential and will help promote the popularization and application of electronic currency.

[0175] To sum up, the technical solution of this application provides a safe, convenient and efficient payment method by utilizing mobile network and SIM card hard wallet technology, which has positive significance for promoting the application of electronic currency and improving payment experience.

[0176] The present application also provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the computer program can execute the above-mentioned Figure 3 as well as Figure 4 The specific implementation of the steps in the method embodiment shown can be found in the method embodiment, and will not be repeated here.

[0177] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices and units described above can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0178] In the several embodiments provided in the present application, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. The device embodiments described above are merely schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some communication interfaces, and the indirect coupling or communication connection of devices or units can be electrical, mechanical or other forms.

[0179] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0180] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0181] If the functions are implemented in the form of software functional units and sold or used as independent products, they can be stored in a non-volatile computer-readable storage medium that is executable by a processor. Based on this understanding, the technical solution of the present application can essentially be embodied in the form of a software product, or in other words, the part that contributes to the prior art or the part of the technical solution. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0182] Finally, it should be noted that the above-described embodiments are only specific implementation methods of the present application, which are used to illustrate the technical solutions of the present application, rather than to limit them. The protection scope of the present application is not limited thereto. Although the present application is described in detail with reference to the above-mentioned embodiments, ordinary technicians in the field should understand that any technician familiar with the technical field can still modify the technical solutions recorded in the above-mentioned embodiments within the technical scope disclosed in the present application, or can easily think of changes, or make equivalent replacements for some of the technical features therein; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present application, and should be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.

Claims

1. A trading method, characterized in that: The mobile terminal is provided with a SIM card hard wallet with a payment function, and the transaction method includes: The SIM card hard wallet receives the transaction instruction issued by the communication management platform, processes the transaction instruction based on the instruction data in the transaction instruction, and generates a transaction instruction processing result; The SIM card hard wallet sends the transaction instruction processing result to the communication management platform, so that the communication management platform initiates a payment request based on the transaction instruction processing result.

2. The transaction method according to claim 1, characterized in that: The transaction method further comprises: The mobile terminal obtains the payee information and the preset website from the electronic tag; The mobile terminal displays a payment page based on the preset website; The mobile terminal obtains the payer information and transaction information entered by the user on the payment page, organizes a transaction request based on the payee information, the payer information and the transaction information, and sends the transaction request to the communication management platform.

3. The transaction method according to claim 2, characterized in that: The mobile terminal obtains the payee information and the preset website from the electronic tag, including: The mobile terminal sends a near field communication request to the electronic tag, and receives a near field communication response including the payee information and a preset website returned by the electronic tag.

4. The transaction method according to claim 2, characterized in that: The mobile terminal displays a payment page based on the preset website, including: Starting a designated browser on the mobile terminal; The preset website is loaded through the designated browser, and the payment page is displayed on the mobile terminal after loading is completed.

5. The transaction method according to claim 1, characterized in that: The SIM card hard wallet receives a transaction instruction issued by the communication management platform, including: The SIM card hard wallet receives the transaction instruction sent by the communication management platform in the form of a data SMS.

6. The transaction method according to claim 1, characterized in that: The processing of the transaction instruction based on the instruction data in the transaction instruction and generating a transaction instruction processing result includes: The SIM card hard wallet verifies the instruction data in the transaction instruction through the target application in the SIM card hard wallet, and generates the transaction instruction processing result based on the verification result.

7. A trading method, characterized in that: Applied to a communication management platform, the transaction method includes: The communication management platform generates a transaction instruction based on the payee information obtained by the mobile terminal from the electronic tag and the payer information and transaction information input by the user through the mobile terminal, and sends the transaction instruction to the SIM card hard wallet; The communication management platform receives the transaction instruction processing result generated by the SIM card hard wallet according to the transaction instruction, and initiates a payment request to the digital transaction management platform according to the transaction instruction processing result, so that the digital transaction management platform performs an electronic currency payment operation based on the payment request.

8. The transaction method according to claim 7, characterized in that: The communication management platform generates a transaction instruction based on the payee information obtained by the mobile terminal from the electronic tag and the payer information and transaction information input by the user through the mobile terminal, including: The communication management platform receives a transaction request sent by a mobile terminal; wherein the transaction request includes payee information, payee information and transaction information; The communication management platform performs a consistency check on the payer information, and after the check passes, executes the step of generating a transaction instruction based on the payee information in the transaction request and the transaction information to obtain the transaction instruction.

9. The transaction method according to claim 7, characterized in that: The initiating a payment request according to the transaction instruction processing result includes: The communication management platform verifies the transaction instruction processing result; After the check is passed, a payment request is generated based on the payee information, the payer information and the transaction information, and the payment request is sent to the digital transaction management platform so that the digital transaction management platform performs an electronic currency payment operation based on the payment request.

10. The transaction method according to claim 9, characterized in that: The digital transaction management platform includes a payee management platform, and the digital transaction management platform performs an electronic currency payment operation based on the payment request, including: The digital transaction management platform organizes the electronic currency payment request based on the payee information, payer information and payment information in the payment request, and sends the electronic currency payment request to the payee management platform, so that the payee platform completes the electronic currency payment based on the payer information, payee information and transaction information in the electronic currency payment request.

11. The transaction method according to claim 10, characterized in that: The transaction method further comprises: The digital transaction management platform receives the electronic currency payment response including the payment result sent by the payee platform, checks the payment result, and after passing the check, sends the payment result to the mobile terminal through the communication management platform so that the mobile terminal displays the payment result.

12. A trading system, characterized in that: The transaction system includes: an electronic tag, a mobile terminal, a communication management platform and a digital transaction management platform. The mobile terminal is provided with a SIM card hard wallet with a payment function: The mobile terminal generates a transaction request according to the interaction data obtained by performing proximity communication with the electronic tag, and sends the transaction request to the communication management platform; The communication management platform generates a transaction instruction according to the transaction request and sends it to the SIM card hard wallet; The SIM card hard wallet sends a transaction instruction processing result generated by processing the transaction instruction to the communication management platform; The communication management platform sends a payment request generated according to the transaction instruction processing result to the digital transaction management platform; The digital transaction management platform responds to the payment request, performs payment transaction processing, generates a payment result, and feeds back the payment result to the mobile terminal.

13. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the transaction method according to any one of claims 1 to 11 are executed.

Images