Digital currency payment method, server, system and medium

Abstract

The present application discloses a digital currency payment method, server, system and medium, belonging to the field of data processing. The method comprises: receiving a first payment message of a payee sent by a payment acceptance terminal, the first payment message comprising an operating institution identification and transaction information; according to the first payment message, sending a second payment message to an operating institution server indicated by the operating institution identification, the second payment message comprising transaction information, the second payment message being used to instruct the operating institution server to convert the payee's digital currency into funds according to the transaction information, and transferring the converted funds into a transit card account, the transit card account being a bank card account configured for the payment server; sending a transfer request message to a clearing institution server, the transfer request message instructing the clearing institution server to transfer funds in the transit card account equal to the payee's digital currency into the payee's bank card account. According to the embodiment of the present application, the user experience of the payee can be improved.

Description

Technical Field

[0001] The present application relates to the field of data processing, and in particular to a digital currency payment method, server, system and medium. Background Art

[0002] Digital currency is a virtual currency based on a node network and digital encryption algorithm, which can be transferred, stored and traded in electronic form. In order to realize the payment of digital currency, a digital currency electronic wallet is configured for the user, and the user's digital currency can be stored in the user's digital currency electronic wallet. During the payment process, the payment can be completed by initiating an electronic wallet deduction request to the operator system.

[0003] However, in the above payment process, the payee can only use his own digital currency e-wallet to receive payment, and what is received is digital currency. He cannot directly use the bank card account to receive ordinary currency, which brings inconvenience to the payee user. Summary of the invention

[0004] The embodiments of the present application provide a digital currency payment method, server, system and medium, which can simplify the process of a payee collecting funds during a digital currency payment process and improve the payee's user experience.

[0005] In the first aspect, an embodiment of the present application provides a digital currency payment method, which is applied to a payment server, the method comprising: receiving a first payment message of a payer sent by a payment acceptance terminal, the first payment message including an operating institution identifier and transaction information; according to the first payment message, sending a second payment message to an operating institution server indicated by the operating institution identifier, the second payment message including transaction information, the second payment message being used to instruct the operating institution server to convert the payer's digital currency into funds according to the transaction information, and transfer the converted funds into a transit card account, which is a bank card account configured for the payment server; sending a transfer request message to a clearing institution server, the transfer request message instructing the clearing institution server to transfer funds in the transit card account equal to the payer's digital currency to the payee's bank card account.

[0006] In the second aspect, an embodiment of the present application provides a digital currency payment method, which is applied to an operating agency server, the method comprising: receiving a second payment message sent by the payment server, the second payment message being generated based on a first payment message of the payer sent by a payment acceptance terminal, the second payment message comprising transaction information, the first payment message comprising an operating agency identifier and transaction information, the operating agency identifier corresponding to the operating agency server; according to the transaction information, converting the payer's digital currency into funds, and transferring the converted funds into a transit card account, so that the payment server can send a transfer request message to a clearing agency server, the transfer request message instructing the clearing agency server to transfer funds in the transit card account equal to the payer's digital currency to a bank card account of the payee, the transit card account being a bank card account configured for the payment server.

[0007] In a third aspect, an embodiment of the present application provides a payment server, comprising: a receiving module, used to receive a first payment message of a payer sent by a payment acceptance terminal, the first payment message including an operating institution identifier and transaction information; a sending module, used to send a second payment message to an operating institution server indicated by the operating institution identifier according to the first payment message, the second payment message including transaction information, the second payment message being used to instruct the operating institution server to convert the payer's digital currency into funds according to the transaction information, and transfer the converted funds into a transit card account, the transit card account being a bank card account configured for the payment server; and, also used to send a transfer request message to a clearing institution server, the transfer request message instructing the clearing institution server to transfer funds in the transit card account equal to the payer's digital currency to the payee's bank card account.

[0008] In a fourth aspect, an embodiment of the present application provides an operating agency server, characterized in that it includes: a receiving module, used to receive a second payment message sent by a payment server, the second payment message is generated according to the first payment message of the payer sent by the payment acceptance terminal, the second payment message includes transaction information, the first payment message includes an operating agency identifier and transaction information, and the operating agency identifier corresponds to the operating agency server; a processing module, used to convert the payer's digital currency into funds according to the transaction information, and transfer the converted funds into a transit card account, so that the payment server can send a transfer request message to the clearing agency server, the transfer request message instructs the clearing agency server to transfer the funds in the transit card account equal to the payer's digital currency to the payee's bank card account, and the transit card account is a bank card account configured for the payment server.

[0009] In a fifth aspect, an embodiment of the present application provides a payment server, comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the digital currency payment method of the first aspect is implemented.

[0010] In a sixth aspect, an embodiment of the present application provides an operating organization server, comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the digital currency payment method as in the second aspect is implemented.

[0011] In a seventh aspect, an embodiment of the present application provides a digital currency payment system, comprising a payment server as in the fifth aspect and an operating organization server as in the sixth aspect.

[0012] In an eighth aspect, an embodiment of the present application provides a computer-readable storage medium, on which computer program instructions are stored. When the computer program instructions are executed by a processor, the digital currency payment method of the first aspect or the digital currency payment method of the second aspect is implemented.

[0013] The embodiment of the present application provides a digital currency payment method, server, system and medium, wherein the payment server can receive first payment information including an operating institution identification and transaction information, generate a second payment message including transaction information according to the first payment information, and send the second payment message to the operating institution server indicated by the operating institution identification, so that the operating institution server obtains the transaction information, converts the digital currency of the payee into funds according to the transaction information, and transfers the converted funds into a bank card account configured for the payment server. The payment server interacts with the clearing institution server through a transfer request message, so that the clearing institution server transfers the funds in the bank card account configured for the payment server that are equal to the digital currency of the payee into the bank card account of the payee. The payee can directly use the bank card account to collect the funds paid by digital currency, and the payee does not need to exchange the digital currency, which saves the step of exchanging the digital currency of the payee, simplifies the process of the payee collecting funds during the digital currency payment process, provides convenience for the payee, and improves the user experience of the payee. BRIEF DESCRIPTION OF THE DRAWINGS

[0014] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0015] Figure 1 It is a schematic diagram of the architecture of a digital currency payment system in the related technology;

[0016] Figure 2 A schematic diagram of an example of an application scenario of the digital currency payment method provided in an embodiment of the present application;

[0017] Figure 3 A flowchart of an embodiment of the digital currency payment method provided in the first aspect of the present application;

[0018] Figure 4 A flowchart of another embodiment of the digital currency payment method provided in the first aspect of the present application;

[0019] Figure 5 A flowchart of another embodiment of the digital currency payment method provided in the first aspect of the present application;

[0020] Figure 6 A flowchart of another embodiment of the digital currency payment method provided in the first aspect of the present application;

[0021] Figure 7 A flowchart of an embodiment of the digital currency payment method provided in the second aspect of the present application;

[0022] Figure 8 A flowchart of another embodiment of the digital currency payment method provided in the second aspect of the present application;

[0023] Fig. 9 A flowchart of another embodiment of the digital currency payment method provided in the second aspect of the present application;

[0024] Fig.10 A flowchart of another embodiment of the digital currency payment method provided in the second aspect of the present application;

[0025] Fig.11 A flowchart of an example of a digital currency payment process provided in an embodiment of the present application;

[0026] Fig.12 A schematic diagram of the structure of an embodiment of a payment server provided in the third aspect of the present application;

[0027] Fig.13 A schematic diagram of the structure of another embodiment of the payment server provided in the third aspect of the present application;

[0028] Fig.14 A schematic diagram of the structure of an embodiment of an operating organization server provided in the fourth aspect of the present application;

[0029] Fig.15 A schematic structural diagram of another embodiment of the operating organization server provided in the fourth aspect of the present application;

[0030] Fig.16 A schematic diagram of the structure of an embodiment of a payment server provided in the fifth aspect of the present application;

[0031] Fig.17 A schematic structural diagram of an embodiment of an operating organization server provided in the sixth aspect of the present application. DETAILED DESCRIPTION

[0032] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by illustrating the examples of the present application.

[0033] Digital currency is a virtual currency based on a node network and digital encryption algorithm, which can be transferred, stored and traded in electronic form. In order to realize the payment of digital currency, a digital currency electronic wallet is configured for the user, and the user's digital currency can be stored in the user's digital currency electronic wallet. During the payment process, the payment can be completed by initiating an electronic wallet deduction request to the operator system. Figure 1 FIG. 1 is a schematic diagram of the architecture of a digital currency payment system in the related art. Figure 1 As shown, the digital payment system includes multiple operating institution systems 11, and each operating institution system 11 may correspond to one operating institution. The payment participant 12 may initiate an electronic wallet deduction request to multiple operating institution systems 11. The payment participants may include individual users, merchants, payment scenario providers, etc., which are not limited here. Multiple operating institution systems 11 need to complete the transfer of digital currency through the interconnection system 13, that is, complete the processes of "melting coins" and "minting coins" of digital currency, so as to achieve interconnection and interoperability across operating institutions during the payment process and ensure the stable circulation of digital currency. The pressure on the interconnection system 13 to handle the transfer of digital currency during the payment process is very high.

[0034] However, in the above payment process, the payer and the payee can only trade in digital currency, that is, the payer pays in digital currency, and the payee can only use his own digital currency electronic wallet to receive the payment, and what is received is digital currency, and ordinary currency cannot be directly received through the bank card account. If the payee needs ordinary currency, the payee needs to initiate an exchange request to the operating institution system, and the operating institution system will convert the payee's digital currency into ordinary currency, and then transfer the ordinary currency to the payee's bank card. The whole process is relatively cumbersome and brings inconvenience to the payee user.

[0035] The embodiment of the present application provides a digital currency payment method, server, system and medium. Through the interaction between the server providing payment services and the server of the operating organization, the server of the operating organization converts the digital currency of the payer into funds, i.e., ordinary currency, and transfers the funds to the bank card account for transfer configured for the server providing payment services in the operating organization. Then, through the interaction between the server providing payment services and the server of the clearing organization, the server of the clearing organization transfers the funds from the bank card account for transfer to the bank card account of the payee, so that the payee can receive the funds of this payment through the bank card account without performing conversion operations.

[0036] The digital currency payment method provided in the embodiments of the present application may involve a payment acceptance terminal, a payment server, an operating agency server and a clearing agency server. Figure 2 A schematic diagram of an example of an application scenario of the digital currency payment method provided in the embodiment of the present application. Figure 2 As shown, the digital currency payment system includes a payment server 21 and an operating agency server 22. The payment server 21 and the operating agency server 22 communicate and interact. In some examples, the digital currency payment system may also include a payment acceptance terminal 23 and a clearing agency server 24, the acceptance terminal 23 may communicate and interact with the payment server 21, and the clearing agency server 24 may interact with the operating agency server 22.

[0037] The payment acceptance terminal 23 is a terminal device for accepting payment. The payment acceptance terminal 23 can accept payment by scanning a QR code, near field communication (NFC), etc. For example, the payment acceptance terminal 23 can be a point of sales (POS) device. The payment acceptance terminal 23 can send the payment-related information obtained by accepting payment to the payment server through a payment message.

[0038] The payment server 21 is a server of the payment service provider, which can be used to provide payment services. The payment service provider may include an acquiring institution, a transfer and clearing institution, a card organization, etc., which are not limited here. The payment service provider may include one or more payment servers 21, and the number and type of payment servers 21 are not limited here.

[0039] The operating agency server 22 is a server of the operating agency, which can transfer digital currency and exchange digital currency with funds, i.e., ordinary currency. Each operating agency may include one or more operating agency servers 22, and the number and type of operating agency servers 22 are not limited here. In an embodiment of the present application, the payment service provider may open a digital currency account for transfer and a bank card account for transfer at each operating agency, so that the operating agency server 22 can transfer digital currency related to the payment service provided by the payment server and exchange digital currency with funds. The same payment service provider opens different digital currency accounts for transfer at different operating agencies, and the same payment service provider opens different bank card accounts for transfer at different operating agencies. Different payment service providers open different digital currency accounts for transfer at the same operating agency, and different payment service providers open different bank card accounts for transfer at the same operating agency.

[0040] The clearing agency server 24 is a server of the clearing agency, which can transfer and clear funds between bank card accounts. The clearing agency may include one or more clearing agency servers 24, and the number and type of the clearing agency servers 24 are not limited here. If the payment service provider is a clearing agency, the payment server 21 and the clearing agency server 24 can be integrated into the same server, or divided into two independent servers, which is not limited here.

[0041] The digital currency payment method, server, system and medium in the embodiments of the present application are described below.

[0042] A first aspect of the present application provides a digital currency payment method, which can be applied to a payment server, that is, the digital currency payment method can be executed by the payment server. Figure 3 This is a flow chart of an embodiment of the digital currency payment method provided in the first aspect of this application. Figure 3 As shown, the digital currency payment method may include steps S301 to S303.

[0043] In step S301, a first payment message from a payer sent by a payment acceptance terminal is received.

[0044] After accepting the payment, the payment acceptance terminal sends a first payment message to the payment server. The first payment message includes an operating institution identifier and transaction information. The operating institution identifier can be used to identify the operating institution or the operating institution server. The transaction information includes content information related to this payment, such as the transaction information can include information about the payer, information about the payee, information about the amount of digital currency required for payment, information about payment details, etc., which are not limited here. For example, the transaction information can include one or more of the payer's digital currency account identifier, digital currency payment amount, payee identifier, etc., which are not limited here. The payer's digital currency account identifier is used to identify the payer's digital currency account. A digital currency account is an account for storing digital currency. For example, a digital currency account can be a digital currency wallet. Correspondingly, the payer's digital currency account identifier can be the payer's digital currency wallet number. The digital currency payment amount is used to characterize the amount of digital currency that needs to be paid corresponding to this payment. The payee identifier is used to identify the payee, and can include the payee's user identifier or the payee's bank card account identifier, etc., which are not limited here. In some examples, the payee may be a merchant or an individual. If the payee is a merchant, the payee identifier may be the merchant number; if the payee is an individual, the payee identifier may be the individual number.

[0045] In step S302, according to the first payment message, a second payment message is sent to the operator server indicated by the operator identifier.

[0046] The payment server may generate a second payment message based on the first payment message. The second payment message includes at least part of the information in the first payment message, which is not limited here. The second payment message may include the transaction information in the above embodiment. The specific content of the transaction information can be found in the relevant description in the above embodiment, which will not be repeated here.

[0047] In the case where the operating institution identifier can identify the operating institution, the specific operating institution server indicated by the operating institution identifier can be determined by the internal policy of the operating institution and is not limited here. The second payment message can be sent to the server cluster of the operating institution, and the server cluster transmits the second payment message to the specific operating institution server according to the internal policy. The operating institution server that receives the second payment message is the operating institution server indicated by the operating institution identifier.

[0048] In the case where the operating organization identifier can identify an operating organization server, the operating organization server identified by the operating organization identifier is the operating organization server indicated by the operating organization identifier.

[0049] The second payment message is used to instruct the operator server to convert the payer's digital currency into funds according to the transaction information, and transfer the converted funds into the transit card account, that is, through the transfer of digital currency and the conversion of digital currency and funds, the funds corresponding to the digital currency of the payment are transferred into the transit card account of the payment server. The transit card account is a bank card account configured for the payment server. The bank card account stores funds, i.e., ordinary currency.

[0050] The operating agency server receives the second payment message, and in response to the second payment message, converts the payer's digital currency into funds, and transfers the converted funds to the transit card account.

[0051] In some examples, the transaction information includes the payee's digital currency account identifier and the digital currency payment amount. The second payment message is used to instruct the operator server to transfer the target digital currency in the payee's digital currency account to the transit digital currency account, convert the target digital currency transferred to the transit digital currency account into funds, and transfer the funds converted from the target digital currency to the transit card account. Funds can be transferred to the transit card account without changing the operator server's authority to perform conversions between digital currency and funds for the same user.

[0052] The digital currency account of the payer includes the digital currency account indicated by the digital currency account identifier of the payer, that is, the operating institution server can determine the digital currency account indicated by the digital currency account identifier of the payer as the digital currency account of the payer. The target digital currency includes the digital currency indicated by the digital currency payment amount. The transit digital currency account is a digital currency account configured for the payment server. The same payment service provider configures different transit digital currency accounts in different operating institutions, and the same payment service provider configures different transit card accounts in different operating institutions. Different payment service providers configure different transit digital currency accounts in the same operating institution, and different payment service providers configure different transit card accounts in the same operating institution.

[0053] In some examples, the transaction information may include, in addition to the payee's digital currency account identifier and the digital currency payment amount, a payee identifier. The specific content of the payee identifier can be found in the relevant descriptions in the above embodiments and will not be repeated here.

[0054] In step S303, a transfer request message is sent to the clearing agency server.

[0055] The transfer request message instructs the clearing agency server to transfer the funds in the transit card account equal to the digital currency of the payee to the bank card account of the payee. In response to the transfer request message, the clearing agency transfer server can transfer the funds in the transit card account equal to the digital currency of the payee to the bank card account of the payee, thereby realizing the direct collection of funds by the payee using the bank card account during the digital currency payment process. In some examples, the transfer request message may include the payee identification and the payment amount. The payment amount is the amount of funds equal to the digital currency of the payee. The clearing agency server can determine the bank card account of the payee according to the payee identification, and transfer the funds of the payment amount from the transit card account to the bank card account of the payee determined according to the payee identification. In other examples, the transfer request message may include the bank card account identification of the payee and the payment amount, the bank card account identification of the payee can be obtained according to the payee identification, and the bank card account identification of the payee can identify the bank card account of the payee.

[0056] In some examples, digital currency and funds can be converted in real time, or the timeliness requirement for the payee to collect funds through a bank card account is not high. The payment server can convert the payee's digital currency into funds on the operating agency server and transfer the converted funds to the transit card account, and then send a transfer request message to the clearing agency server.

[0057] In other examples, the conversion of digital currency and funds requires a certain delay, and the timeliness requirements for the payee to collect funds through the bank card account are high. The payment server can convert the payer's digital currency into funds on the operating agency server and transfer the converted funds to the transit card account before the transfer request message is sent to the clearing agency server. However, in this example, the transit card account needs to have funds pre-stored in it for advance payment.

[0058] In an embodiment of the present application, the payment server may receive first payment information including an operating institution identifier and transaction information, generate a second payment message including transaction information based on the first payment information, and send the second payment message to the operating institution server indicated by the operating institution identifier, so that the operating institution server obtains the transaction information, converts the digital currency of the payee into funds based on the transaction information, and transfers the converted funds into a bank card account configured for the payment server. The payment server interacts with the clearing institution server through a transfer request message, so that the clearing institution server transfers the funds in the bank card account configured for the payment server that are equal to the digital currency of the payee into the bank card account of the payee. The payee can directly use the bank card account to collect the funds paid by digital currency, and the payee does not need to exchange the digital currency, which saves the step of exchanging the digital currency of the payee, simplifies the process of the payee collecting funds during the digital currency payment process, provides convenience for the payee, and improves the user experience of the payee.

[0059] Moreover, in the embodiment of the present application, the operation of transferring digital currency from the digital currency account of the payer to the transit digital currency account, converting the digital currency in the transit digital currency account into funds and transferring it to the transit card account is performed by the operating agency server. Compared with the technical solution that requires the transfer of digital currency through the interconnection system, the operating agency server in the embodiment of the present application is only responsible for the relevant operations of the transit digital currency account and the transit card account of the operating agency to which it belongs, which disperses the processing pressure of digital currency payment. Under the condition of consistent equipment performance, the embodiment of the present application can process a larger number of digital currency payments.

[0060] In some embodiments, after the operating institution transfers the converted funds into the transit card account, a transfer request message may be sent to the clearing institution server. Figure 4 A flowchart of another embodiment of the digital currency payment method provided in the first aspect of the present application. Figure 4 and Figure 3 The difference is that Figure 4 The digital currency payment method shown may also include step S304, Figure 3 Step S303 in the above example can be specifically broken down into Figure 4 Step S3031 in .

[0061] In step S304, a payment processing response message sent by the operating institution server is received.

[0062] The payment processing response message indicates that the operating agency server has transferred the converted funds to the transit card account. When the payment server receives the payment processing response message, it can be determined that the operating agency server has transferred the converted funds to the transit card account, and there is money in the transit card account, and the digital currency payment process can continue.

[0063] In step S3031, in response to the payment processing response message, a transfer request message is sent to the clearing agency server.

[0064] The payment server determines that the operator server has transferred the converted funds to the transit card account, and then sends a transfer request message to the clearing agency server. In response to the transfer request message, the clearing agency server transfers the funds converted from the payer's digital currency in the transit card account to the payee's bank card account.

[0065] In some embodiments, the transaction information includes a payee ID, and the specific content can be found in the relevant descriptions in the above embodiments. The payee's bank card account ID can be determined based on the payee ID to generate a transfer request message. Figure 5 A flowchart of another embodiment of the digital currency payment method provided in the first aspect of the present application. Figure 5 and Figure 3 The difference is that Figure 5 The digital currency payment method shown may also include step S305 and step S306.

[0066] In step S305, according to the payee identifier in the transaction information, the bank card account identifier corresponding to the payee identifier is determined from the pre-stored correspondence between user identifiers and bank card account identifiers.

[0067] The payment server may pre-store the correspondence between the user identifier and the bank card account identifier. The user identifier is used to identify the user. Specifically, the user identifier identical to the payee identifier is searched among the user identifiers in the correspondence. If the user identifier identical to the payee identifier can be found, the bank card account identifier corresponding to the user identifier in the correspondence is the bank card account identifier corresponding to the payee identifier.

[0068] In step S306, a transfer request message is generated according to the bank card account identifier corresponding to the payee identifier.

[0069] The transfer request message includes a bank card account identifier corresponding to the payee identifier. Upon receiving the transfer request message, the clearing agency server can determine the payee's bank card account based on the bank card account identifier in the transfer request message, thereby transferring funds in the transit card account equal to the payee's digital currency to the payee's bank card account.

[0070] In some embodiments, the payment server may interact with the operating agency servers of each operating agency, and it is foreseen that a transit digital currency account and a transit card account of the payment service provider corresponding to the payment server will be established in each operating agency to facilitate use in the digital currency payment process. Figure 6 A flowchart of another embodiment of the digital currency payment method provided in the first aspect of the present application. Figure 6 and Figure 3 The difference is that Figure 6 The monetary payment method shown may further include step S307.

[0071] In step S307, an account establishment request message is sent to an operating institution server of at least one operating institution.

[0072] If there are N operating institutions, N is a positive integer, the payment server may send an account establishment request message to each of the N operating institutions' servers, that is, each operating institution's server may receive the account establishment request message. The account establishment request message instructs at least one operating institution to use the operating institution's server to establish a transit digital currency account and a transit card account for the payment server.

[0073] For example, there are five operating organizations, namely, operating organization A1, operating organization A2, operating organization A3, and operating organization A4. The payment server may send an account establishment request message to each of the operating organization servers of operating organization A1, operating organization A2, operating organization A3, and operating organization A4. The operating organization server of operating organization A1 responds to the account establishment request message and establishes a transit digital currency account B1 and a transit card account C1 for the payment server; the operating organization server of operating organization A2 responds to the account establishment request message and establishes a transit digital currency account B2 and a transit card account C2 for the payment server; the operating organization server of operating organization A3 responds to the account establishment request message and establishes a transit digital currency account B3 and a transit card account C3 for the payment server; the operating organization server of operating organization A4 responds to the account establishment request message and establishes a transit digital currency account B4 and a transit card account C4 for the payment server.

[0074] The second aspect of the present application provides a digital currency payment method, which can be applied to an operating agency server, that is, the digital currency payment method can be executed by the operating agency server. Figure 7 This is a flow chart of an embodiment of the digital currency payment method provided in the second aspect of this application. Figure 7 As shown, the digital currency payment method may include step S401 and step S402.

[0075] In step S401, a second payment message sent by a payment server is received.

[0076] The second payment message is generated according to the first payment message of the payer sent by the payment acceptance terminal. The second payment message includes transaction information, and the first payment message includes an operating institution identifier and transaction information, and the operating institution identifier corresponds to the operating institution server.

[0077] In some examples, the transaction information may include the payer's digital currency account identifier and the digital currency payment amount. For specific details, please refer to the relevant descriptions in the above embodiments and will not be repeated here.

[0078] In some examples, the transaction information may include a payee identification. For details, please refer to the relevant descriptions in the above embodiments, which will not be repeated here.

[0079] In step S402, according to the transaction information, the payer's digital currency is converted into funds, and the converted funds are transferred to the transit card account, so that the payment server can send a transfer request message to the clearing agency server.

[0080] The transit card account is a bank card account configured for the payment server. The transfer request message instructs the clearing agency server to transfer funds in the transit card account equal to the payer's digital currency to the payee's bank card account.

[0081] The specific contents of step S401 and step S402 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0082] In an embodiment of the present application, the payment server may receive a first payment message including an operating institution identifier and transaction information, generate a second payment message including transaction information based on the first payment information, and send the second payment message to the operating institution server. The operating server obtains the transaction information from the second payment message, converts the digital currency of the payee into funds based on the transaction information, and transfers the converted funds into a bank card account configured for the payment server, so that the payment server interacts with the clearing institution server through a transfer request message, and instructs the clearing institution server to transfer funds in the bank card account configured for the payment server that are equal to the digital currency of the payee into the bank card account of the payee. The payee can directly use the bank card account to collect the funds paid by digital currency, and the payee does not need to exchange digital currency, which saves the step of exchanging digital currency of the payee, simplifies the process of the payee collecting funds during the digital currency payment process, provides convenience for the payee, and improves the user experience of the payee.

[0083] In some embodiments, the transaction information includes the payer's digital currency account identifier and the digital currency payment amount. The operating agency server converts the digital currency of this payment into funds that can be transferred to the payee's bank card account, i.e., ordinary currency, through the digital currency account for transfer configured for the payment server and the bank card account for transfer configured for the payment server. Figure 8 A flowchart of another embodiment of the digital currency payment method provided in the second aspect of the present application. Figure 8 and Figure 7 The difference is that Figure 7 Step S402 in the above example can be specifically broken down into Figure 8 Steps S4021 to S4023 in .

[0084] In step S4021, based on the payer's digital currency account identifier, the digital currency account indicated by the payer's digital currency account identifier is determined as the payer's digital currency account.

[0085] In step S4022, the target digital currency in the payer's digital currency account is transferred to the transit digital currency account.

[0086] The target digital currency includes the digital currency indicated by the digital currency payment amount. The transit digital currency account is a digital currency account configured for the payment server.

[0087] In step S4023, the target digital currency in the transit digital currency account is converted into funds, and the funds converted from the target digital currency are transferred to the transit card account.

[0088] The specific contents of the above steps S4021 to S4023 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0089] In some embodiments, after the converted funds are transferred to the transit card account, the payment server may be notified so that the payment server requests the clearing agency server to transfer the funds from the transit card account to the payee's account. Fig. 9 A flowchart of another embodiment of the digital currency payment method provided in the second aspect of the present application. Fig. 9 and Figure 7 The difference is that Fig. 9 The digital currency payment method shown may also include step S403.

[0090] In step S403, when the converted funds have been transferred to the transit card account, a payment processing response message is sent to the payment server, so that the payment server sends a transfer request message to the clearing agency server in response to the payment processing response message.

[0091] The specific content of the above step S403 can be found in the relevant description in the above embodiment, which will not be repeated here.

[0092] In some embodiments, the operating institution server may pre-establish the payment service provider's transit digital currency account and transit card account in the operating institution as described by the payment server, so as to facilitate direct use in subsequent processes. Fig.10 A flowchart of another embodiment of the digital currency payment method provided in the second aspect of the present application. Fig.10 and Figure 8 The difference is that Fig.10 The digital currency payment method shown may also include step S404 and step S405.

[0093] In step S404, an account establishment request message sent by the payment server is received.

[0094] In step S405, in response to the account establishment request message, a transit digital currency account and a transit card account of the payment server in the operating structure to which the operating organization server belongs are established.

[0095] The specific contents of the above step S404 and step S405 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0096] For ease of understanding, the digital currency payment process in the above embodiment is illustrated below with an example. Fig.11 This is a flowchart of an example of a digital currency payment process provided in an embodiment of the present application. Fig.11 As shown, the digital currency payment process may include steps S501 to S512.

[0097] In step S501, the payment acceptance terminal receives the digital currency payment amount set by the user, scans the payee's digital currency wallet QR code, and generates a first payment message. The first payment message includes the operator number, the payee's digital currency wallet number, the digital currency payment amount, and the merchant number.

[0098] In step S502, the payment acceptance terminal sends a first payment message to the payment server.

[0099] In step S503, the payment server parses the first payment message, obtains the operating institution number, the payee's digital currency wallet number, the digital currency payment amount and the merchant number, and generates a second payment message according to the payee's digital currency wallet number and the digital currency payment amount.

[0100] In step S504, the payment server sends a second payment message to the operator server indicated by the operator number.

[0101] In step S505, the operating organization server transfers the digital currency indicated by the digital currency payment amount from the payer's digital currency wallet indicated by the payer's digital currency wallet number to the payment service provider's transit digital currency wallet on the operating structure server based on the payer's digital currency wallet number and the digital currency payment amount in the second payment message.

[0102] In step S506, the operating organization server converts the digital currency transferred into the transit digital currency wallet into funds according to the digital currency payment amount, and transfers the converted funds to the transit card account of the payment service provider on the operating structure server.

[0103] In step S507, the operating institution server sends a payment processing response message to the payment server.

[0104] In step S508, the payment server determines the bank card account identifier of the payee corresponding to the merchant number registered in the payment server based on the merchant number, and generates a transfer request message based on the bank card account identifier of the payee and the amount of funds corresponding to the digital currency payment amount.

[0105] In step S509, the payment server sends a transfer request message to the clearing agency server.

[0106] In step S510, the clearing agency server responds to the transfer request message by transferring an amount of funds corresponding to the digital currency payment amount from the transit card account to the bank card account of the payee indicated by the bank card account identifier of the payee.

[0107] In step S511, the clearing house server sends a payment result message to the payment server to notify the payment server of the payment result, which includes payment success or payment failure.

[0108] In step S512, the payment server sends a payment result message to the payment acceptance terminal.

[0109] The specific contents of the above steps S501 to S512 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0110] A third aspect of the present application provides a payment server. Fig.12 This is a schematic diagram of the structure of an embodiment of the payment server provided in the third aspect of the present application. Fig.12 As shown, the payment server 600 may include a receiving module 601 and a sending module 602 .

[0111] The receiving module 601 may be configured to receive a first payment message from a payer sent by a payment acceptance terminal.

[0112] The first payment message includes an operator identifier and transaction information.

[0113] In some examples, the transaction information includes the payer's digital currency account identifier and the digital currency payment amount.

[0114] In some examples, the transaction information includes a payee identification.

[0115] The sending module 602 may be used to send a second payment message to an operating institution server indicated by the operating institution identifier according to the first payment message; and may also be used to send a transfer request message to a clearing institution server.

[0116] The second payment message includes transaction information. The second payment message is used to instruct the operating agency server to convert the payer's digital currency into funds according to the transaction information, and transfer the converted funds to the transit card account. The transit card account is a bank card account configured for the payment server. The transfer request message instructs the clearing agency server to transfer the funds in the transit card account equal to the payer's digital currency to the payee's bank card account.

[0117] In an embodiment of the present application, the payment server may receive first payment information including an operating institution identifier and transaction information, generate a second payment message including transaction information based on the first payment information, and send the second payment message to the operating institution server indicated by the operating institution identifier, so that the operating institution server obtains the transaction information, converts the digital currency of the payee into funds based on the transaction information, and transfers the converted funds into a bank card account configured for the payment server. The payment server interacts with the clearing institution server through a transfer request message, so that the clearing institution server transfers the funds in the bank card account configured for the payment server that are equal to the digital currency of the payee into the bank card account of the payee. The payee can directly use the bank card account to collect the funds paid by digital currency, and the payee does not need to exchange the digital currency, which saves the step of exchanging the digital currency of the payee, simplifies the process of the payee collecting funds during the digital currency payment process, provides convenience for the payee, and improves the user experience of the payee.

[0118] Moreover, in the embodiment of the present application, the operation of transferring digital currency from the digital currency account of the payer to the transit digital currency account, converting the digital currency in the transit digital currency account into funds and transferring it to the transit card account is performed by the operating agency server. Compared with the technical solution that requires the transfer of digital currency through the interconnection system, the operating agency server in the embodiment of the present application is only responsible for the relevant operations of the transit digital currency account and the transit card account of the operating agency to which it belongs, which disperses the processing pressure of digital currency payment. Under the condition of consistent equipment performance, the embodiment of the present application can process a larger number of digital currency payments.

[0119] In some embodiments, the transaction information includes the payer's digital currency account identifier and the digital currency payment amount.

[0120] The second payment message is used to instruct the operating agency server to transfer the target digital currency in the payer's digital currency account to the transit digital currency account, convert the target digital currency transferred to the transit digital currency account into funds, and transfer the funds converted from the target digital currency to the transit card account.

[0121] The digital currency account of the payer includes the digital currency account indicated by the digital currency account identifier of the payer. The target digital currency includes the digital currency indicated by the digital currency payment amount. The transit digital currency account is a digital currency account configured for the payment server.

[0122] In some embodiments, the receiving module 601 may also be used to receive a payment processing response message sent by an operating organization server.

[0123] The payment processing response message indicates that the operating agency server has transferred the converted funds to the transit card account.

[0124] The sending module may be used to send a transfer request message to a clearing agency server in response to a payment processing response message.

[0125] In some embodiments, the transaction information includes a payee identification. Fig.13 A schematic diagram of the structure of another embodiment of the payment server provided in the third aspect of the present application. Fig.13 and Fig.12 The difference is that Fig.13 The illustrated payment server may also include an account determination module 603 and a message generation module 604 .

[0126] The account determination module 603 may be used to determine the bank card account identifier corresponding to the payee identifier in the pre-stored correspondence between the user identifier and the bank card account identifier according to the payee identifier in the transaction information.

[0127] The message generation module 604 may be used to generate a transfer request message according to the bank card account identifier corresponding to the payee identifier.

[0128] The transfer request message includes a bank card account identifier corresponding to the payee identifier.

[0129] In some embodiments, the sending module 602 may also be used to send an account creation request message to an operating organization server of at least one operating organization.

[0130] The account establishment request message instructs at least one operating institution to respectively use the operating institution server to establish a transit digital currency account and a transit card account for the payment server.

[0131] A fourth aspect of the present application provides an operating organization server. Fig.14 This is a schematic diagram of the structure of an embodiment of the operating organization server provided in the fourth aspect of the present application. Fig.14 As shown, the operating agency server 700 may include a receiving module 701 and a processing module 702 .

[0132] The receiving module 701 may be configured to receive a second payment message sent by a payment server.

[0133] The second payment message is generated according to the first payment message of the payer sent by the payment acceptance terminal. The second payment message includes transaction information. The first payment message includes an operating institution identifier and transaction information. The operating institution identifier corresponds to the operating institution server.

[0134] In some examples, the transaction information may include the payer's digital currency account identifier and the digital currency payment amount.

[0135] In some examples, the transaction information includes a payee identification.

[0136] The processing module 702 can be used to convert the payer's digital currency into funds according to the transaction information, and transfer the converted funds to the transit card account, so that the payment server can send a transfer request message to the clearing agency server.

[0137] The transfer request message instructs the clearing agency server to transfer the funds in the transit card account equal to the payer's digital currency to the payee's bank card account. The transit card account is a bank card account configured for the payment server.

[0138] In an embodiment of the present application, the payment server may receive a first payment message including an operating institution identifier and transaction information, generate a second payment message including transaction information based on the first payment information, and send the second payment message to the operating institution server. The operating server obtains the transaction information from the second payment message, converts the digital currency of the payee into funds based on the transaction information, and transfers the converted funds into a bank card account configured for the payment server, so that the payment server interacts with the clearing institution server through a transfer request message, and instructs the clearing institution server to transfer funds in the bank card account configured for the payment server that are equal to the digital currency of the payee into the bank card account of the payee. The payee can directly use the bank card account to collect the funds paid by digital currency, and the payee does not need to exchange digital currency, which saves the step of exchanging digital currency of the payee, simplifies the process of the payee collecting funds during the digital currency payment process, provides convenience for the payee, and improves the user experience of the payee.

[0139] In some embodiments, the transaction information includes the payer's digital currency account identifier and the digital currency payment amount.

[0140] The above-mentioned processing module 702 can be used to: determine the digital currency account indicated by the payer's digital currency account identifier as the payer's digital currency account according to the payer's digital currency account identifier; transfer the target digital currency in the payer's digital currency account to the transit digital currency account, the target digital currency includes the digital currency indicated by the digital currency payment amount, and the transit digital currency account is a digital currency account configured for the payment server; convert the target digital currency in the transit digital currency account into funds, and transfer the funds converted from the target digital currency to the transit card account.

[0141] Fig.15 A schematic structural diagram of another embodiment of the operating agency server provided in the fourth aspect of the present application. Fig.15 and Fig.14 The difference is that Fig.15 The illustrated operating agency server 700 may further include a sending module 703 .

[0142] The sending module 703 may be used to send a payment processing response message to the payment server when the converted funds have been transferred to the transit card account, so that the payment server sends a transfer request message to the clearing agency server in response to the payment processing response message.

[0143] In some embodiments, the receiving module 701 may also be used to receive an account establishment request message sent by a payment server.

[0144] The above-mentioned processing module 702 can also be used to respond to the account establishment request message to establish a transit digital currency account and a transit card account of the payment server in the operating structure to which the operating organization server belongs.

[0145] The fifth aspect of the present application also provides a payment server. Fig.16 This is a schematic diagram of the structure of an embodiment of the payment server provided in the fifth aspect of the present application. Fig.16 As shown, the payment server 800 includes a memory 801 , a processor 802 , and a computer program stored in the memory 801 and executable on the processor 802 .

[0146] In an example, the processor 802 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0147] The memory 801 may include a read-only memory (ROM), a random access memory (RAM), a disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Therefore, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the digital currency payment method in the embodiment according to the first aspect of the present application.

[0148] The processor 802 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 801, so as to implement the digital currency payment method in the embodiment of the first aspect of the present application.

[0149] In one example, the payment server 800 may further include a communication interface 803 and a bus 804. Fig.16As shown, the memory 801, the processor 802, and the communication interface 803 are connected via a bus 804 and communicate with each other.

[0150] The communication interface 803 is mainly used to realize the communication between the modules, devices, units and / or equipment in the embodiment of the present application. The communication interface 803 can also be used to access input devices and / or output devices.

[0151] The bus 804 includes hardware, software, or both, coupling the components of the payment server 800 to each other. By way of example and not limitation, the bus 804 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a Memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses or a combination of two or more of these. Where appropriate, the bus 804 may include one or more buses. Although embodiments of the present application describe and illustrate a particular bus, the present application contemplates any suitable bus or interconnect.

[0152] The sixth aspect of the present application also provides an operating organization server. Fig.17 This is a schematic diagram of the structure of an embodiment of the operating organization server provided in the sixth aspect of the present application. Fig.17 As shown, the operating agency server 900 includes a memory 901 , a processor 902 , and a computer program stored in the memory 901 and executable on the processor 902 .

[0153] In an example, the processor 902 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0154] The memory 901 may include a read-only memory (ROM), a random access memory (RAM), a disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Therefore, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the digital currency payment method in the embodiment according to the second aspect of the present application.

[0155] The processor 902 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 901, so as to implement the digital currency payment method in the embodiment of the second aspect of the present application.

[0156] In one example, the operating organization server 900 may further include a communication interface 903 and a bus 904. Fig.17 As shown, the memory 901, the processor 902, and the communication interface 903 are connected via a bus 904 and communicate with each other.

[0157] The communication interface 903 is mainly used to realize the communication between the modules, devices, units and / or equipment in the embodiment of the present application. The communication interface 903 can also be used to access input devices and / or output devices.

[0158] The bus 904 includes hardware, software, or both, coupling the components of the operating organization server 900 to each other. By way of example and not limitation, the bus 904 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a Memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses or a combination of two or more of the above. Where appropriate, the bus 904 may include one or more buses. Although embodiments of the present application describe and illustrate a particular bus, the present application contemplates any suitable bus or interconnect.

[0159] The seventh aspect of the present application provides a digital currency payment system. The digital currency payment system may include the payment server and the operating agency server in the above embodiment. The specific contents of the payment server and the operating agency server can be found in the relevant description in the above embodiment, and will not be repeated here.

[0160] The payment server 21 in the above embodiment, the payment server in the digital currency payment method, the payment server 600 and the payment server 800 can all be used as the payment server in the digital currency payment system. Similarly, the operating agency server 22 in the above embodiment, the operating agency server in the digital currency payment method, the operating agency server 700 and the operating agency server 900 can all be used as the operating agency server in the digital currency payment system.

[0161] In some embodiments, the digital currency payment system may further include the payment acceptance terminal and the clearing agency server in the above embodiments. The specific contents of the payment acceptance terminal and the clearing agency server can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0162] In some embodiments, the payment server of the same payment service provider is configured with different transit digital currency accounts and transit card accounts on the operating agency servers of different operating agencies. For specific details, please refer to the relevant descriptions in the above embodiments and will not be repeated here.

[0163] The eighth aspect of the present application also provides a computer-readable storage medium, on which a computer program instruction is stored. When the computer program instruction is executed by the processor, the digital currency payment method in the embodiment of the first aspect or the digital currency payment method in the embodiment of the second aspect can be implemented, and the same technical effect can be achieved. To avoid repetition, it is not repeated here. Among them, the above-mentioned computer-readable storage medium may include a non-transitory computer-readable storage medium, such as a read-only memory (Read-Only Memory, referred to as ROM), a random access memory (Random Access Memory, referred to as RAM), a disk or an optical disk, etc., which is not limited here.

[0164] It should be clear that the various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. For the payment server embodiment, the operating agency server embodiment, the system embodiment, and the computer-readable storage medium embodiment, the relevant parts can refer to the description part of the method embodiment. The present application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present application. In addition, for the sake of brevity, a detailed description of known method technologies is omitted here.

[0165] The above reference is according to the method of the embodiment of the present application, the flow chart of the device (system) and the computer program product and / or the block diagram described various aspects of the present application.It should be understood that each square box in the flow chart and / or the block diagram and the combination of each square box in the flow chart and / or the block diagram can be realized by computer program instructions.These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the realization of the function / action specified in one or more square boxes of the flow chart and / or the block diagram.Such a processor can be but is not limited to a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit.It can also be understood that each square box in the block diagram and / or the flow chart and the combination of the square boxes in the block diagram and / or the flow chart can also be realized by the dedicated hardware that performs the specified function or action, or can be realized by the combination of dedicated hardware and computer instructions.

[0166] Those skilled in the art should understand that the above embodiments are exemplary rather than restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on the study of the drawings, the specification and the claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other devices or steps; the quantifier "one" does not exclude multiple; the terms "first" and "second" are used to indicate names rather than to indicate any specific order. Any figure marks in the claims should not be understood as limiting the scope of protection. The functions of multiple parts appearing in the claims can be implemented by a single hardware or software module. The appearance of certain technical features in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A digital currency payment method, characterized in that: Applied to a payment server, the method comprises: Receiving a first payment message from a payer sent by a payment acceptance terminal, wherein the first payment message includes an operator identifier and transaction information; According to the first payment message, a second payment message is sent to the operating institution server indicated by the operating institution identifier, wherein the second payment message includes the transaction information, and the second payment message is used to instruct the operating institution server to convert the digital currency of the payer into funds according to the transaction information, and transfer the converted funds into a transit card account, wherein the transit card account is a bank card account configured for the payment server; Sending a transfer request message to a clearing agency server, wherein the transfer request message instructs the clearing agency server to transfer funds in the transit card account equal to the digital currency of the payer to the bank card account of the payee; The transaction information includes the payer's digital currency account ID and the digital currency payment amount. The second payment message is used to instruct the operating institution server to transfer the target digital currency in the payer's digital currency account to the transit digital currency account, convert the target digital currency transferred to the transit digital currency account into funds, and transfer the funds converted from the target digital currency to the transit card account. The digital currency account of the payer includes the digital currency account indicated by the payer digital currency account identifier, the target digital currency includes the digital currency indicated by the digital currency payment amount, and the transit digital currency account is a digital currency account configured for the payment server.

2. The method according to claim 1, characterized in that Before sending the transfer request message to the clearing agency server, the method further includes: Receiving a payment processing response message sent by the operating institution server, wherein the payment processing response message indicates that the operating institution server has transferred the converted funds into the transit card account; The sending of a transfer request message to the clearing agency server includes: In response to the payment processing response message, the transfer request message is sent to the clearing agency server.

3. The method according to claim 1, characterized in that The transaction information includes the payee identification, Before sending the transfer request message to the clearing agency server, the method further includes: According to the payee identifier in the transaction information, determine the bank card account identifier corresponding to the payee identifier in the pre-stored correspondence between user identifiers and bank card account identifiers; The transfer request message is generated according to the bank card account identifier corresponding to the payee identifier, and the transfer request message includes the bank card account identifier corresponding to the payee identifier.

4. The method according to claim 1, characterized in that: Also includes: An account establishment request message is sent to the operating institution server of at least one operating institution, wherein the account establishment request message instructs at least one of the operating institutions to respectively use the operating institution server to establish the transit digital currency account and the transit card account for the payment server.

5. A digital currency payment method, characterized in that: Applied to an operating organization server, the method comprises: receiving a second payment message sent by the payment server, the second payment message being generated according to the first payment message of the payer sent by the payment acceptance terminal, the second payment message including transaction information, the first payment message including an operating institution identifier and the transaction information, the operating institution identifier corresponding to the operating institution server; According to the transaction information, convert the digital currency of the payer into funds, and transfer the converted funds into the transit card account, so that the payment server can send a transfer request message to the clearing agency server, the transfer request message instructing the clearing agency server to transfer the funds in the transit card account equal to the digital currency of the payer into the bank card account of the payee, the transit card account being a bank card account configured for the payment server; The transaction information includes the payer's digital currency account ID and the digital currency payment amount. The converting the digital currency of the payer into funds according to the transaction information, and transferring the funds equal to the digital currency of the payer into the transit card account, includes: According to the payer digital currency account identifier, determining the digital currency account indicated by the payer digital currency account identifier as the payer's digital currency account; Transferring the target digital currency in the digital currency account of the payer to the transit digital currency account, wherein the target digital currency includes the digital currency indicated by the digital currency payment amount, and the transit digital currency account is a digital currency account configured for the payment server; The target digital currency in the transit digital currency account is converted into funds, and the funds converted from the target digital currency are transferred into the transit card account.

6. The method according to claim 5, characterized in that After receiving the second payment message sent by the payment server, the method further includes: When the converted funds have been transferred to the transit card account, a payment processing response message is sent to the payment server, so that the payment server sends the transfer request message to the clearing agency server in response to the payment processing response message.

7. The method according to claim 5, characterized in that Also includes: Receiving an account establishment request message sent by the payment server; In response to the account establishment request message, the transit digital currency account and the transit card account of the payment server in the operating structure to which the operating agency server belongs are established.

8. The method according to any one of claims 5 to 7, characterized in that The transaction information includes the payee identification.

9. A payment server, characterized in that: include: A receiving module, configured to receive a first payment message from a payer sent by a payment acceptance terminal, wherein the first payment message includes an operating institution identifier and transaction information; a sending module, configured to send a second payment message to an operating institution server indicated by the operating institution identifier according to the first payment message, wherein the second payment message includes the transaction information, and the second payment message is used to instruct the operating institution server to convert the digital currency of the payer into funds according to the transaction information, and transfer the converted funds into a transit card account, wherein the transit card account is a bank card account configured for the payment server; and further configured to send a transfer request message to a clearing institution server, wherein the transfer request message instructs the clearing institution server to transfer funds in the transit card account equal to the digital currency of the payer into the bank card account of the payee; The transaction information includes the payer's digital currency account ID and the digital currency payment amount. The second payment message is used to instruct the operating institution server to transfer the target digital currency in the payer's digital currency account to the transit digital currency account, convert the target digital currency transferred to the transit digital currency account into funds, and transfer the funds converted from the target digital currency to the transit card account. The digital currency account of the payer includes the digital currency account indicated by the payer digital currency account identifier, the target digital currency includes the digital currency indicated by the digital currency payment amount, and the transit digital currency account is a digital currency account configured for the payment server.

10. An operating organization server, characterized in that: include: a receiving module, configured to receive a second payment message sent by a payment server, the second payment message being generated according to a first payment message of a payer sent by a payment acceptance terminal, the second payment message comprising transaction information, the first payment message comprising an operating institution identifier and the transaction information, the operating institution identifier corresponding to the operating institution server; a processing module, configured to convert the digital currency of the payer into funds according to the transaction information, and transfer the converted funds into a transit card account, so that the payment server can send a transfer request message to a clearing agency server, wherein the transfer request message instructs the clearing agency server to transfer funds in the transit card account equal to the digital currency of the payer into a bank card account of the payee, wherein the transit card account is a bank card account configured for the payment server; The transaction information includes the payer's digital currency account ID and the digital currency payment amount. The processing module is used to: determine the digital currency account indicated by the payer's digital currency account identifier as the payer's digital currency account according to the payer's digital currency account identifier; transfer the target digital currency in the payer's digital currency account to the transit digital currency account, the target digital currency includes the digital currency indicated by the digital currency payment amount, and the transit digital currency account is a digital currency account configured for the payment server; The target digital currency in the transit digital currency account is converted into funds, and the funds converted from the target digital currency are transferred into the transit card account.

11. A payment server, characterized in that: include: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the digital currency payment method as described in any one of claims 1 to 4 is implemented.

12. An operating organization server, characterized in that: include: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the digital currency payment method as described in any one of claims 5 to 8 is implemented.

13. A digital currency payment system, characterized in that: It comprises the payment server as claimed in claim 11 and the operating institution server as claimed in claim 12.

14. The system according to claim 13, characterized in that The payment server of the same payment service provider is configured with different transit digital currency accounts and transit card accounts on the operating institution servers of different operating institutions.

15. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement the digital currency payment method as described in any one of claims 1 to 8.

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