Method and apparatus for conditional transactions based on digital currency

Abstract

The present invention discloses a method and device for conditional transactions based on digital currency, relating to the technical field of digital currency. A specific implementation manner of the method includes: generating a conditional payment request based on a transaction scenario and sending the conditional payment request to a payer; receiving the digital currency sent by the payer, where the digital currency has transaction restriction conditions; performing payment verification on the digital currency based on the transaction restriction conditions, and generating conditional transaction information in the case that the payment verification passes, where the conditional transaction information includes the digital currency and transaction flow information; sending the conditional transaction information to a back-end transaction module of an operating institution for conditional transaction legality verification to complete the conditional transaction. This implementation manner can perform conditional payment based on the transaction restriction conditions of digital currency, expand the usage scenarios of digital currency payment, enhance the transaction experience based on digital currency, and ensure the fund security of users.

Description

Technical Field

[0001] The present invention relates to the technical field of digital currency, and in particular, to a method and device for conditional transactions based on digital currency. Background Art

[0002] With the gradual popularization of digital currency, its application scenarios are becoming increasingly rich. However, in existing digital currency-based transactions, it is impossible to perform conditional payments for specific business types, specific time requirements, etc., especially conditional payments in a double-offline scenario.

[0003] In the process of implementing the present invention, the inventors found that there are at least the following problems in the prior art:

[0004] In order to enable the targeted use of funds, a payment technical solution for restrictive conditions is needed to improve the transaction experience and transaction security based on digital currency, while meeting the requirements of various scenarios. Summary of the Invention

[0005] In view of this, embodiments of the present invention provide a method and device for conditional transactions based on digital currency, which can perform conditional payments based on the transaction restrictive conditions of digital currency, expand the usage scenarios of digital currency payments, improve the transaction experience based on digital currency, and at the same time verify the transaction restrictive conditions during the transaction, ensuring the user's fund security even in cases where the wallet password is stolen or information is stolen.

[0006] To achieve the above object, according to one aspect of the embodiments of the present invention, a method for conditional transactions based on digital currency is provided.

[0007] A method for conditional transactions based on digital currency includes:

[0008] Generating a conditional payment request based on a transaction scenario and sending the conditional payment request to a payer;

[0009] Receiving digital currency sent by the payer, the digital currency having transaction restrictive conditions;

[0010] Performing payment verification on the digital currency based on the transaction restrictive conditions, and generating conditional transaction information including the digital currency and transaction flow information in the case where the payment verification passes;

[0011] Sending the conditional transaction information to a back-end transaction module of an operating institution for conditional transaction legality verification to complete the conditional transaction.

[0012] Optionally, the transaction restrictive conditions are protected by private key signature, and the transaction restrictive condition is a transaction deadline; performing payment verification on the digital currency based on the transaction restrictive conditions includes:

[0013] Verify the authenticity of the transaction restriction conditions using the public key of the operating institution;

[0014] In the case of successful verification, perform payment verification based on the transaction cut-off time and the time of this conditional transaction.

[0015] Optionally, the transaction restriction conditions are protected by private key signature, and the transaction restriction conditions are industry category identifiers; performing payment verification on the digital currency based on the transaction restriction conditions includes:

[0016] Verify the authenticity of the transaction restriction conditions using the public key of the operating institution;

[0017] In the case of successful verification, perform payment verification by comparing and matching the industry field involved in the receiving wallet with the industry category identifier.

[0018] Optionally, parse the industry key corresponding to the receiving wallet to obtain the industry field involved in the receiving wallet.

[0019] Optionally, the transaction restriction conditions are protected by private key signature, and the transaction restriction conditions are designated payee identifiers; performing payment verification on the digital currency based on the transaction restriction conditions includes:

[0020] Verify the authenticity of the transaction restriction conditions using the public key of the operating institution;

[0021] In the case of successful verification, obtain the payee identifier and compare and match the payee identifier with the designated payee identifier to perform payment verification.

[0022] Optionally, the transaction restriction conditions are set when the digital currency is generated.

[0023] According to another aspect of the embodiments of the present invention, a device for conditional transactions based on digital currency is provided.

[0024] A device for conditional transactions based on digital currency, comprising:

[0025] A request sending module, configured to generate a conditional payment request based on a transaction scenario and send the conditional payment request to a payer;

[0026] A currency receiving module, configured to receive the digital currency sent by the payer, where the digital currency has transaction restriction conditions;

[0027] A payment verification module, configured to perform payment verification on the digital currency based on the transaction restriction conditions, and generate conditional transaction information in case the payment verification is passed, where the conditional transaction information includes the digital currency and transaction flow information;

[0028] A legality verification module, configured to send the conditional transaction information to the back-end transaction module of the operating institution for conditional transaction legality verification to complete the conditional transaction.

[0029] Optionally, the transaction restriction conditions are protected by a private key signature, and the transaction restriction condition is a transaction deadline; the payment verification module is further configured to:

[0030] Verify the authenticity of the transaction restriction conditions using the public key of the operating institution;

[0031] In case the verification is passed, perform payment verification according to the transaction deadline and the time of this conditional transaction.

[0032] Optionally, the transaction restriction conditions are protected by a private key signature, and the transaction restriction condition is an industry category identifier; the payment verification module is further configured to:

[0033] Verify the authenticity of the transaction restriction conditions using the public key of the operating institution;

[0034] In case the verification is passed, perform payment verification by comparing and matching the industry field involved in the receiving wallet with the industry category identifier.

[0035] Optionally, obtain the industry field involved in the receiving wallet by parsing the industry key corresponding to the receiving wallet.

[0036] Optionally, the transaction restriction conditions are protected by a private key signature, and the transaction restriction condition is a specified payee identifier; the payment verification module is further configured to:

[0037] Verify the authenticity of the transaction restriction conditions using the public key of the operating institution;

[0038] In case the verification is passed, obtain the payee identifier and compare and match the payee identifier with the specified payee identifier to perform payment verification.

[0039] Optionally, the transaction restriction conditions are set when the digital currency is generated.

[0040] According to another aspect of the embodiments of the present invention, an electronic device for conditional transactions based on digital currency is provided.

[0041] An electronic device for conditional transactions based on digital currency, comprising: one or more processors; a storage device for storing one or more programs, which when executed by the one or more processors cause the one or more processors to implement the method for conditional transactions based on digital currency provided by the embodiments of the present invention.

[0042] According to another aspect of the embodiments of the present invention, a computer-readable medium is provided.

[0043] A computer-readable medium having stored thereon a computer program, which when executed by a processor implements the method for conditional transactions based on digital currency provided by the embodiments of the present invention.

[0044] One embodiment of the above invention has the following advantages or beneficial effects: By generating a conditional payment request based on a transaction scenario and sending the conditional payment request to the payer; receiving digital currency with transaction restriction conditions sent by the payer; performing payment verification on the digital currency based on the transaction restriction conditions, and generating conditional transaction information when the payment verification passes; sending the conditional transaction information to the back-end transaction module of the operating institution for conditional transaction legality verification. The technical solution for conditional transactions realizes conditional payment based on the transaction restriction conditions of digital currency, expands the usage scenarios of digital currency payment, improves the transaction experience based on digital currency, and at the same time verifies the transaction restriction conditions during the transaction, ensuring the user's fund security even in cases such as the wallet password being stolen or information being stolen. In addition, the present invention stipulates the usage scope of some personnel for a specific wallet or digital currency, effectively supervises the payment, and at the same time ensures the security of the funds; solves the problem of targeted incentives in the promotion of digital currency, and triggers applications such as coupons, red envelopes, and discounts through digital currency containing restriction conditions, effectively mobilizing the enthusiasm of merchants and users.

[0045] The further effects of the above non-conventional optional methods will be described below in conjunction with specific embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] The drawings are used to better understand the present invention and do not constitute an improper limitation to the present invention. Among them:

[0047] Figure 1 is a schematic diagram of the main steps of the method for conditional transactions based on digital currency according to the embodiments of the present invention;

[0048] Figure 2 is a schematic diagram of the conditional transaction process of an embodiment of the present invention;

[0049] Figure 3 is a schematic diagram of the main modules of the device for conditional transactions based on digital currency according to the embodiments of the present invention.

[0050] Figure 4 is an exemplary system architecture diagram to which the embodiments of the present invention can be applied;

[0051] Figure 5 is a schematic structural diagram of a computer system of a terminal device or a server suitable for implementing the embodiments of the present invention. Detailed implementation manners

[0052] The following describes exemplary embodiments of the present invention with reference to the accompanying drawings. Various details of the embodiments of the present invention are included to facilitate understanding, and they should be considered merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted below.

[0053] To solve the technical problems existing in the prior art, the present invention provides a conditional payment method based on digital currency. When generating digital currency, a transaction restriction condition field is added to the digital currency. During a transaction, the payee can verify the transaction restriction condition field to determine whether the transaction continues to be executed, and subsequently, the operation institution's background conducts regulatory verification to complete the transaction. This solution expands the usage scenarios of digital currency payments and ensures the security of users' funds.

[0054] Figure 1 is a schematic diagram of the main steps of a method for conditional transactions based on digital currency according to an embodiment of the present invention. As Figure 1 shown, the method for conditional transactions based on digital currency according to the embodiments of the present invention mainly includes the following steps S101 to S104.

[0055] Step S101: Generate a conditional payment request based on a transaction scenario and send the conditional payment request to the payer. Among them, the transaction scenario is, for example, a scenario of digital currency payment for time-sensitive red envelopes / preferential information, a scenario of digital currency payment for a business type such as only allowing for book purchases, a scenario of digital currency payment with a transaction validity period for the transaction time, and so on. Based on the transaction scenario, a conditional payment request can be generated, and this conditional payment request defines the requirements for the digital currency to meet conditional payment. Subsequently, the payee can send the conditional payment request to the payer so that the payer can select digital currency for payment according to the conditional payment request.

[0056] Step S102: Receive the digital currency sent by the payer, where the digital currency has transaction restriction conditions. The payer selects the digital currency that meets the requirements from the digital currency according to the conditional payment request and sends the digital currency to the payer for conditional transaction processing. Among them, the digital currency has transaction restriction conditions, which can be set when the digital currency is generated. The transaction restriction conditions include transaction validity period or transaction cut-off time, transaction industry category, transaction designated merchant and other transaction designated payees, etc. The transaction restriction conditions can be reflected in the digital currency, and the operation institution of the digital currency protects the transaction restriction condition field with a private key signature.

[0057] Step S103: Perform payment verification on the digital currency based on the transaction restriction conditions, and generate conditional transaction information in the case of successful payment verification. The conditional transaction information includes the digital currency and transaction flow information. The payee performs payment verification according to the transaction restriction conditions of the received digital currency, and generates conditional transaction information according to the transaction flow information and the digital currency in the case of successful payment verification. Among them, the transaction flow information includes information such as the conditional transaction date, transaction time, payer wallet identifier, payee wallet identifier, etc.

[0058] Step S104: Send the conditional transaction information to the background transaction module of the operation institution for conditional transaction legality verification to complete the conditional transaction.

[0059] In an embodiment of the present invention, when the transaction restriction condition is the transaction cut-off time, the step of performing payment verification on the digital currency based on the transaction restriction condition specifically includes: verifying the authenticity of the transaction restriction condition using the public key of the operation institution; in the case of successful verification, performing payment verification according to the transaction cut-off time and the time of this conditional transaction. After receiving the digital currency sent by the payer, the payee uses the public key of the payee operation institution to verify the authenticity of the transaction restriction condition of the digital currency. If the verification fails, the transaction is rejected. After successful verification, payment verification is performed according to the time of this conditional transaction and the transaction cut-off time. If the time of this conditional transaction does not exceed the transaction cut-off time, the payment verification is successful and the transaction continues; otherwise, the payment verification fails and the transaction is rejected. When the payment verification is successful, conditional transaction information will be generated according to the transaction flow information and the digital currency and sent to the background transaction module of the payee's operation institution for transaction legality verification. At this time, the transaction flow information includes information such as the conditional transaction date, transaction time, payer wallet identifier, payee wallet identifier, etc. If the background transaction module of the operation institution verifies that this transaction is legal, then this conditional transaction is successful; otherwise, this conditional transaction fails.

[0060] In another embodiment of the present invention, when the transaction restriction condition is an industry category identifier, the step of performing payment verification on the digital currency based on the transaction restriction condition may specifically include: verifying the authenticity of the transaction restriction condition using the public key of the operating institution; in the case of successful verification, comparing and matching the industry field involved in the receiving wallet with the industry category identifier for payment verification. In the embodiments of the present invention, letters, numbers, etc. can be used to identify the industry category. For example, 01 / A1 identifies the field of books and audio-visual products, and 02 / A2 identifies the sports industry, etc. After receiving the digital currency sent by the payer, the payee uses the public key of the payee's operating institution to verify the authenticity of the transaction restriction condition of the digital currency. If the verification fails, the transaction is rejected. After successful verification, payment verification is performed based on the industry field involved in the receiving wallet and the industry category identifier, where the industry field involved in the receiving wallet can be registered during the initialization registration of information such as the wallet and terminal device of the payee. If the industry field involved in the receiving wallet of this conditional transaction can be successfully matched with the industry category identifier, the payment verification passes and the transaction continues; otherwise, the payment verification fails and the transaction is rejected. After the payment verification passes, conditional transaction information will be generated based on the transaction flow information and the digital currency and sent to the background transaction module of the payee's operating institution for transaction legality verification. At this time, the transaction flow information includes, for example, information such as the date of this conditional transaction, transaction time, payer wallet identifier, payee wallet identifier, industry field of the receiving wallet, and industry category identifier of the digital currency, etc. If the background transaction module of the operating institution verifies that this transaction is legal, this conditional transaction is successful; otherwise, this conditional transaction fails.

[0061] Particularly, in yet another embodiment of the present invention, the industry field involved in the receiving wallet can be obtained by parsing the industry key corresponding to the receiving wallet. The specific industry application payment of the wallet or digital currency is realized by pre-setting the industry key for the wallet.

[0062] According to another embodiment of the present invention, when the transaction restriction condition is the designated payee identifier, the steps of performing payment verification on the digital currency based on the transaction restriction condition may specifically include: verifying the authenticity of the transaction restriction condition using the public key of the operating institution; in the case of successful verification, obtaining the payee identifier and comparing and matching the payee identifier with the designated payee identifier for payment verification. After the payee receives the digital currency sent by the payer, the payee uses the public key of the payee's operating institution to verify the authenticity of the transaction restriction condition of the digital currency. If the verification fails, the transaction is rejected. After successful verification, the payee performs payment verification by comparing and matching the payee identifier with the designated payee identifier in the transaction restriction condition. If the payee identifier of this conditional transaction is known to the designated payee identifier, the payment verification is passed and the transaction continues; otherwise, the payment verification fails and the transaction is rejected. When the payment verification is passed, conditional transaction information is generated based on the transaction flow information and the digital currency and sent to the back-end transaction module of the payee's operating institution for transaction legality verification. At this time, the transaction flow information includes, for example, information such as the date and time of this conditional transaction, the payer's wallet identifier, the payee's wallet identifier, the digital currency, and its designated payee identifier, etc. If the back-end transaction module of the operating institution verifies that this transaction is legal, then this conditional transaction is successful; otherwise, this conditional transaction fails. Specifically, for example, in a batch of promotional activities or red envelope activities, a convention identifier is used for identification, which is verified by the payee. Some merchants support digital currency with this identifier for payment. In particular, this method can be used for promotional activities, red envelopes, etc.

[0063] To implement the above method for conditional transactions based on digital currency, the present invention provides a system for conditional transactions based on digital currency. The system includes a currency issuance module, a payment module, a collection module, and a back-end transaction module of the operating institution. Among them, the currency issuance module is responsible for generating digital currency and writing in the transaction restriction condition; the payment module is responsible for applying for and storing digital currency, and transmitting digital currency with transaction restriction conditions during the transaction process; the collection module is responsible for verifying digital currency transaction information, especially the transaction restriction condition in the digital currency, judging the availability of the transaction restriction condition, and asynchronously sending relevant information to the back-end transaction module of the payee's operating institution; the back-end transaction module of the operating institution checks the transaction information, especially verifies and matches the transaction restriction condition through transaction flow, digital currency, and information of the collection module to verify the legality of the transaction. The main process of the system for conditional transactions based on digital currency during payment transaction processing is as Figure 2 shown.

[0064] Figure 2 is a schematic diagram of the conditional transaction process of an embodiment of the present invention. As Figure 2, the conditional transaction process of the system for conditional transactions based on digital currency in the embodiments of the present invention mainly includes the following steps:

[0065] 1. The currency issuance module generates digital currency containing transaction restriction conditions according to business requirements;

[0066] 2. After the payer module initiates or the back-end transaction module of the operating institution initiates an application for digital currency containing transaction restriction conditions, the currency issuance module issues the digital currency to the payment module, and the payment module stores the digital currency in a secure environment such as a secure chip;

[0067] 3. The payment module establishes a connection with the receiving module, makes a payment within the agreed transaction period and scenario according to the digital currency transaction restriction conditions, and transfers the digital currency to the receiving module;

[0068] 4. The receiving module performs payment verification according to the transaction restriction conditions;

[0069] 5. If the payment verification passes, generate conditional transaction information and send it to the back-end transaction module of the operating institution; otherwise, terminate the transaction;

[0070] 5. After asynchronous online connection, the back-end transaction module of the operating institution performs a legality check on the transaction according to the conditional transaction information.

[0071] According to the technical solution of the present invention, the method and system for conditional transactions based on digital currency can be applied to the security protection of payments. For example, when applying, the applicant can input a specific payment cycle or a specific payee, and can verify the agreed payee or other information during payment, ensuring the security of funds even in cases such as the wallet password being stolen or information being stolen.

[0072] The method and system for conditional transactions based on digital currency are especially applied to payment management. By specifying the usage scope of some personnel for a specific wallet or digital currency, the payment can be effectively supervised while ensuring the security of funds. At the same time, it can solve the problem of targeted incentives in the promotion of digital currency. By triggering applications such as coupons, red envelopes, and discounts through digital currency containing restriction conditions, the enthusiasm of merchants and users can be effectively mobilized.

[0073] The method and system for conditional transactions based on digital currency can be applied to double-offline scenarios, single-offline scenarios, and online payment scenarios, meeting different payment scenario and performance requirements.

[0074] Figure 3 is a schematic diagram of the main modules of the device for conditional transactions based on digital currency according to an embodiment of the present invention. As Figure 3As shown, the device 300 for conditional transactions based on digital currency according to an embodiment of the present invention mainly includes a request sending module 301, a currency receiving module 302, a payment verification module 303, and a legality verification module 304.

[0075] The request sending module 301 is configured to generate a conditional payment request based on a transaction scenario and send the conditional payment request to the payer.

[0076] The currency receiving module 302 is configured to receive the digital currency sent by the payer, and the digital currency has transaction restriction conditions.

[0077] The payment verification module 303 is configured to perform payment verification on the digital currency based on the transaction restriction conditions, and generate conditional transaction information in the case where the payment verification passes. The conditional transaction information includes the digital currency and transaction flow information.

[0078] The legality verification module 304 is configured to send the conditional transaction information to the background transaction module of the operating institution for conditional transaction legality verification to complete the conditional transaction.

[0079] According to an embodiment of the present invention, the transaction restriction conditions are protected by private key signature, and the transaction restriction condition is a transaction deadline; the payment verification module 303 can also be used for:

[0080] Verify the authenticity of the transaction restriction conditions using the public key of the operating institution.

[0081] In the case where the verification passes, perform payment verification according to the transaction deadline and the time of this conditional transaction.

[0082] According to another embodiment of the present invention, the transaction restriction conditions are protected by private key signature, and the transaction restriction condition is an industry category identifier; the payment verification module 303 can also be used for:

[0083] Verify the authenticity of the transaction restriction conditions using the public key of the operating institution.

[0084] In the case where the verification passes, perform payment verification by comparing and matching the industry field involved in the receiving wallet with the industry category identifier.

[0085] According to still another embodiment of the present invention, the industry field involved in the receiving wallet is obtained by parsing the industry key corresponding to the receiving wallet.

[0086] According to still another embodiment of the present invention, the transaction restriction conditions are protected by private key signature, and the transaction restriction condition is a designated payee identifier; the payment verification module 303 can also be used for:

[0087] Verify the authenticity of the transaction restriction conditions using the public key of the operating institution;

[0088] When the verification is passed, obtain the payee identifier and compare and match the payee identifier with the specified payee identifier for payment verification.

[0089] According to another embodiment of the present invention, the transaction restriction conditions are set when the digital currency is generated.

[0090] According to the technical solution of the embodiment of the present invention, by generating a conditional payment request based on a transaction scenario and sending the conditional payment request to the payer; receiving the digital currency with transaction restriction conditions sent by the payer; performing payment verification on the digital currency based on the transaction restriction conditions, and generating conditional transaction information when the payment verification is passed; sending the conditional transaction information to the back-end transaction module of the operating institution for conditional transaction legality verification, the conditional transaction is realized, the conditional payment is carried out based on the transaction restriction conditions of the digital currency, the usage scenario of digital currency payment is expanded, the transaction experience based on digital currency is improved, and at the same time, by verifying the transaction restriction conditions during the transaction, even in the case of wallet password theft, information theft, etc., the user's funds are guaranteed to be safe. In addition, the present invention stipulates the usage scope of some personnel for specific wallets or digital currencies, effectively supervises the payment, and at the same time ensures the security of the funds; solves the problem of targeted incentives in the promotion process of digital currencies, triggers applications such as coupons, red envelopes, discounts, etc. through digital currencies containing restriction conditions, and effectively mobilizes the enthusiasm of merchants and users.

[0091] Figure 4 An exemplary system architecture 400 is shown that can apply the method for conditional transaction based on digital currency or the device for conditional transaction based on digital currency according to the embodiments of the present invention.

[0092] As Figure 4 shown, the system architecture 400 may include terminal devices 401, 402, 403, a network 404, and a server 405. The network 404 is used to provide a medium for communication links between the terminal devices 401, 402, 403 and the server 405. The network 404 may include various connection types, such as wired, wireless communication links, or fiber optic cables, etc.

[0093] Users can use the terminal devices 401, 402, 403 to interact with the server 405 through the network 404 to receive or send messages, etc. Various communication client applications, such as banking applications, digital currency applications, digital currency wallet applications, etc. (only for example), can be installed on the terminal devices 401, 402, 403.

[0094] The terminal devices 401, 402, and 403 can be various electronic devices with a display screen and supporting web browsing, including but not limited to smartphones, tablet computers, laptop computers, desktop computers, and so on.

[0095] The server 405 can be a server that provides various services. For example, it can be a background management server (only an example) that supports transaction requests sent by users using the terminal devices 401, 402, and 403. The background management server can generate conditional payment requests based on transaction scenarios for data such as conditional transaction requests received, and send the conditional payment requests to the payer; receive digital currencies sent by the payer, where the digital currencies have transaction restriction conditions; perform payment verification on the digital currencies based on the transaction restriction conditions, and generate conditional transaction information including the digital currencies and transaction flow information in the case of successful payment verification; send the conditional transaction information to the background transaction module of the operation institution for processing such as conditional transaction legality verification, and feedback the processing result (such as the conditional transaction result - only an example) to the terminal device.

[0096] It should be noted that the method for conditional transactions based on digital currencies provided by the embodiments of the present invention is generally executed by the server 405. Correspondingly, the device for conditional transactions based on digital currencies is generally set in the server 405.

[0097] It should be understood that Figure 4 the numbers of the terminal devices, networks, and servers in

[0098] are merely illustrative. According to the implementation requirements, there can be any number of terminal devices, networks, and servers. Figure 5 Shown below with reference to Figure 5 is a schematic structural diagram of a computer system 500 suitable for implementing the terminal device or server of the embodiments of the present invention.

[0099] As Figure 5 shown, the computer system 500 includes a central processing unit (CPU) 501, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 502 or the program loaded from the storage section 508 into the random access memory (RAM) 503. In the RAM 503, various programs and data required for the operation of the system 500 are also stored. The CPU 501, ROM 502, and RAM 503 are connected to each other through a bus 504. The input / output (I / O) interface 505 is also connected to the bus 504.

[0100] The following components are connected to the I / O interface 505: an input section 506 including a keyboard, a mouse, etc.; an output section 507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and a speaker, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card such as a LAN card, a modem, etc. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the I / O interface 505 as required. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is installed on the drive 510 as required so that a computer program read therefrom is installed into the storage section 508 as required.

[0101] Specifically, according to an embodiment disclosed by the present invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, an embodiment disclosed by the present invention includes a computer program product which includes a computer program carried on a computer-readable medium, and the computer program includes program codes for performing the methods shown in the flowcharts. In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 509, and / or installed from the removable medium 511. When the computer program is executed by a central processing unit (CPU) 501, the above-described functions defined in the system of the present invention are executed.

[0102] It should be noted that the computer-readable medium shown in the present invention can be a computer-readable signal medium, a computer-readable storage medium, or any combination of the two. A computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the above. More specific examples of a computer-readable storage medium can include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium can be any tangible medium that contains or stores a program, and this program can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present invention, a computer-readable signal medium can include a data signal propagated in a baseband or as part of a carrier wave, in which the computer-readable program code is carried. Such a propagated data signal can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium, and this computer-readable medium can send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device. The program code contained on a computer-readable medium can be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0103] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram can represent a module, a program segment, or a part of code, and the above-mentioned module, program segment, or part of code contains one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than that marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, as well as the combination of blocks in a block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0104] The units or modules involved in the embodiments of the present invention can be implemented in software or in hardware. The described units or modules can also be provided in a processor. For example, it can be described as: a processor includes a request sending module, a digital currency receiving module, a payment verification module, and a legality verification module. Among them, the names of these units or modules do not constitute a limitation to the units or modules themselves in some cases. For example, the request sending module can also be described as "a module for generating a conditional payment request based on a transaction scenario and sending the conditional payment request to the payer".

[0105] As another aspect, the present invention also provides a computer-readable medium. The computer-readable medium can be included in the device described in the above embodiments; or it can exist alone without being assembled into the device. The above computer-readable medium carries one or more programs. When the one or more programs are executed by the device, the device includes: generating a conditional payment request based on a transaction scenario and sending the conditional payment request to the payer; receiving the digital currency sent by the payer, where the digital currency has transaction restriction conditions; performing payment verification on the digital currency based on the transaction restriction conditions, and generating conditional transaction information in the case of successful payment verification, where the conditional transaction information includes the digital currency and transaction flow information; sending the conditional transaction information to the back-end transaction module of the operating institution for conditional transaction legality verification to complete the conditional transaction.

[0106] According to the technical solution of the embodiments of the present invention, a conditional transaction is carried out through the technical solution of generating a conditional payment request based on a transaction scenario and sending the conditional payment request to the payer; receiving the digital currency with transaction restriction conditions sent by the payer; performing payment verification on the digital currency based on the transaction restriction conditions, and generating conditional transaction information in the case of successful payment verification; and sending the conditional transaction information to the back-end transaction module of the operating institution for conditional transaction legality verification. It realizes conditional payment based on the transaction restriction conditions of digital currency, expands the usage scenarios of digital currency payment, improves the transaction experience based on digital currency, and at the same time ensures the user's capital security by verifying the transaction restriction conditions during the transaction. Even in cases where the wallet password is stolen or information is stolen, etc. In addition, the present invention stipulates the usage scope of some personnel for a specific wallet or digital currency, effectively supervises the payment, and at the same time ensures the security of funds; solves the problem of targeted incentives in the promotion process of digital currency, triggers applications such as coupons, red envelopes, and discounts through digital currency containing restriction conditions, and effectively mobilizes the enthusiasm of merchants and users.

[0107] The above specific embodiments do not limit the scope of protection of the present invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention shall be included within the scope of protection of the present invention.

Claims

1. A method for conditional transactions based on digital currency, characterized in that, Including: Generating a conditional payment request based on a transaction scenario and sending the conditional payment request to the payer; Receiving digital currency sent by the payer, the digital currency having a transaction restriction condition, the transaction restriction condition being set at the time of generating the digital currency, and the digital currency being the digital currency that meets the requirements selected by the payer according to the conditional payment request; Performing payment verification on the digital currency based on the transaction restriction condition, and generating conditional transaction information in the case where the payment verification passes, the conditional transaction information including the digital currency and transaction flow information; Sending the conditional transaction information to the back-end transaction module of the operating institution for conditional transaction legality verification to complete the conditional transaction.

2. The method according to claim 1, characterized in that, The transaction restriction condition is protected by private key signature, and the transaction restriction condition is a transaction deadline; Performing payment verification on the digital currency based on the transaction restriction condition includes: Verifying the authenticity of the transaction restriction condition using the public key of the operating institution; In the case where the verification passes, performing payment verification according to the transaction deadline and the time of this conditional transaction.

3. The method according to claim 1, characterized in that The transaction restriction condition is protected by private key signature, and the transaction restriction condition is an industry category identifier; performing payment verification on the digital currency based on the transaction restriction condition includes: Verifying the authenticity of the transaction restriction condition using the public key of the operating institution; In the case where the verification passes, performing payment verification by comparing and matching the industry field involved in the receiving wallet with the industry category identifier.

4. The method according to claim 3, characterized in that, Parsing the industry key corresponding to the receiving wallet to obtain the industry field involved in the receiving wallet.

5. The method according to claim 1, characterized in that, The transaction restriction condition is protected by private key signature, and the transaction restriction condition is a designated payee identifier; performing payment verification on the digital currency based on the transaction restriction condition includes: Verifying the authenticity of the transaction restriction condition using the public key of the operating institution; In the case where the verification passes, obtaining the payee identifier and comparing and matching the payee identifier with the designated payee identifier to perform payment verification.

6. A device for conditional transactions based on digital currency, characterized in that, Including: A request sending module, configured to generate a conditional payment request based on a transaction scenario and send the conditional payment request to the payer; A currency receiving module, configured to receive digital currency sent by the payer, the digital currency having a transaction restriction condition, the transaction restriction condition being set at the time of generating the digital currency, and the digital currency being the digital currency that meets the requirements selected by the payer according to the conditional payment request; A payment verification module, configured to perform payment verification on the digital currency based on the transaction restriction condition, and generate conditional transaction information in the case where the payment verification passes, the conditional transaction information including the digital currency and transaction flow information; A legality verification module, configured to send the conditional transaction information to the back-end transaction module of the operating institution for conditional transaction legality verification to complete the conditional transaction.

7. The device according to claim 6, characterized in that, The transaction restriction condition is protected by private key signature, and the transaction restriction condition is a transaction deadline; the payment verification module is further configured to: Verify the authenticity of the transaction restriction conditions using the public key of the operating institution; In the case of successful verification, perform payment verification based on the transaction deadline and the time of this conditional transaction.

8. The device according to claim 6, characterized in that, The transaction restriction conditions are protected by private key signature, and the transaction restriction conditions are industry category identifiers; the payment verification module is further configured to: Verify the authenticity of the transaction restriction conditions using the public key of the operating institution; In the case of successful verification, compare and match the industry field involved in the receiving wallet with the industry category identifier for payment verification.

9. The device according to claim 8, wherein Obtain the industry field involved in the receiving wallet by parsing the industry key corresponding to the receiving wallet.

10. The device according to claim 6, characterized in that, The transaction restriction conditions are protected by private key signature, and the transaction restriction conditions are designated payee identifiers; the payment verification module is further configured to: Verify the authenticity of the transaction restriction conditions using the public key of the operating institution; In the case of successful verification, obtain the payee identifier and compare and match the payee identifier with the designated payee identifier for payment verification.

11. An electronic device for conditional transactions based on digital currency, characterized in that, Comprising: One or more processors; A storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1-5.

12. A computer-readable medium having a computer program stored thereon, characterized in that, The program, when executed by the processor, implements the method according to any one of claims 1-5.

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