A digital currency payment, collection method, device, equipment and system

Abstract

The application discloses a digital currency payment and collection method, device, equipment and system, and relates to the technical field of computers. One specific implementation of the method comprises: establishing a first communication connection with a first collection party, receiving collection information of the first collection party based on the first communication connection, wherein the collection information indicates characteristic information of the first collection party and a collection amount; generating a first coin string based on the collection amount, a pre-stored digital currency string and a pre-stored target collection wallet certificate matched with the characteristic information, and paying the first coin string to the first collection party based on the first communication connection. The implementation can effectively shorten the digital currency payment time, thereby improving the user experience of using digital currency payment.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of computer, and in particular, to a digital currency payment and collection method, device, equipment and system. BACKGROUND

[0002] At present, in the way of digital currency payment, the payer and the payee need to transmit their respective digital currency wallet certificates, for example, the payer transmits the digital currency wallet certificate for payment (referred to as payment wallet certificate) to the payee, and the payee also needs to transmit the digital currency wallet certificate for collection (referred to as collection wallet certificate) to the payer, and then the payment is completed based on the transmitted payment wallet certificate and collection wallet certificate. The simultaneous transmission of the payment wallet certificate and the collection wallet certificate will consume a relatively long transmission time, resulting in a relatively long time required for payment. Therefore, the existing digital currency payment method is difficult to meet the needs of scenarios with relatively strict payment time requirements and relatively large passenger flow, such as public transportation card payment scenarios, tourist attraction card payment scenarios, etc., thereby resulting in poor user experience of digital currency payment in these scenarios. SUMMARY

[0003] Therefore, the embodiments of the present application provide a digital currency payment and collection method, device, equipment and system, which can effectively shorten the digital currency payment time, thereby improving the user experience of using digital currency payment.

[0004] To achieve the above-mentioned purpose, in a first aspect, the embodiments of the present application provide a digital currency payment method, comprising:

[0005] establishing a first communication connection with a first payee, and receiving collection information of the first payee based on the first communication connection, wherein the collection information indicates characteristic information of the first payee and a collection amount;

[0006] generating a first coin string based on the collection amount, a pre-stored digital currency string and a pre-stored target collection wallet certificate matching the characteristic information, and paying the first coin string to the first payee based on the first communication connection.

[0007] Optionally, after receiving the collection information of the first payee, the method further comprises:

[0008] finding the target collection wallet certificate matching the characteristic information from a plurality of pre-stored collection wallet certificates of payees.

[0009] Optionally, the characteristic information comprises a payee ID and a collection wallet certificate serial number.

[0010] Optionally, the above-mentioned digital currency payment further comprises:

[0011] establishing a second communication connection with the first payee, so that the first payee determines an actual payment amount based on information of the first communication connection and information of the second communication connection, wherein the actual payment amount is not greater than the amount indicated by the first currency string;

[0012] In the case where the actual payment amount is less than the amount indicated by the first currency string, obtaining a second currency string returned by the first payee, wherein the second currency string indicates a difference between the amount indicated by the first currency string and the actual payment amount.

[0013] Optionally, the obtaining the second currency string returned by the first payee comprises:

[0014] In the case where a third communication connection is established with a second payee, obtaining the second currency string from the digital currency management platform through the third communication connection.

[0015] Optionally, in the case where the digital currency payment method is applied to a mobile terminal device,

[0016] the obtaining the second currency string returned by the first payee comprises:

[0017] obtaining the second currency string from the digital currency management platform through the mobile terminal.

[0018] Optionally, in the case where the digital currency payment method is applied to a near field communication chip card or a near field communication chip card,

[0019] the digital currency payment method further comprises that at least one client installed on the mobile terminal has an invoking interface for the digital currency management platform;

[0020] the obtaining the second currency string returned by the first payee comprises:

[0021] In the case where the near field communication chip card or the near field communication chip card establishes near field communication with the mobile terminal, obtaining the second currency string from the digital currency management platform through the near field communication and any of the invoking interfaces.

[0022] Optionally, the digital currency payment method further comprises:

[0023] recording information of the first communication connection and information of the second communication connection;

[0024] In the case where the actual payment amount sent by the first payee is received, judging whether the actual payment amount is correct based on the recorded information of the first communication connection and the information of the second communication connection,

[0025] If yes, send the payment confirmation information to the first payee, and perform the step of obtaining the second currency string returned by the first payee.

[0026] Optionally, the digital currency payment further includes:

[0027] Downloading and storing or updating the payee wallet certificates of the plurality of payees from the digital currency management platform.

[0028] Optionally, the digital currency payment method, when applied to a near field communication chip card or a near field communication chip buckle,

[0029] The downloading and storing of the payee wallet certificates of the plurality of payees from the digital currency management platform includes:

[0030] In a case where the near field communication chip card or the near field communication chip buckle establishes near field communication with the mobile terminal, downloading and storing the payee wallet certificates of the plurality of payees from the digital currency management platform through the calling interface for the digital currency management platform existing between the near field communication and the mobile terminal.

[0031] Optionally, the digital currency payment method is applied to any one of the following devices:

[0032] Mobile terminal device, near field communication chip card, and near field communication chip buckle.

[0033] In a second aspect, an embodiment of the present application provides a payee method, including:

[0034] In response to a first communication connection of a payer, sending payee information to the payer based on the first communication connection, wherein the payee information indicates characteristic information and a payee amount;

[0035] Based on the first communication connection, receiving a first currency string sent by the payer, wherein the first currency string is generated by the payer based on the payee amount, a digital currency string pre-stored by the payer, and a target payee wallet certificate pre-stored by the payer and matching the characteristic information.

[0036] Optionally, the payee method further includes:

[0037] Verifying the digital signature of the payer carried by the first currency string, and if the verification is passed, determining that the payment is successful.

[0038] Optionally, in response to a second communication connection of the payer, determining an actual payment amount based on information of the first communication connection and information of the second communication connection, wherein the actual payment amount is not greater than the amount indicated by the first currency string.

[0039] In a case that the actual payment amount is less than the amount indicated by the first currency string, a second currency string is generated and returned to the payer, wherein the second currency string indicates a difference between the amount indicated by the first currency string and the actual payment amount.

[0040] Optionally, the returning the second currency string to the payer comprises:

[0041] sending the second currency string to a digital management platform, so as to return the second currency string to the payer through the digital management platform in a case that the payer establishes a communication connection with the digital management platform.

[0042] Optionally, the above-mentioned payment receiving method is applied to a plurality of payment receiving clients and a server connected with the plurality of payment receiving clients.

[0043] Optionally, the above-mentioned payment receiving method further comprises: sending the actual payment amount to the payer.

[0044] In response to receiving payment confirmation information for the actual payment amount sent by the payer, the step of generating the second currency string is performed.

[0045] Optionally, the above-mentioned payment receiving method further comprises:

[0046] In response to the first communication connection or the second communication connection of the payer, a communication connection between the payer and the digital management platform is established.

[0047] Optionally, the information of the first communication connection comprises first characteristic information of a payment receiving client corresponding to the first communication connection.

[0048] The information of the second communication connection comprises second characteristic information of a payment receiving client corresponding to the first communication connection.

[0049] The determining the actual payment amount comprises:

[0050] The server calculates the actual payment amount based on the first characteristic information, the second characteristic information and a preset payment strategy.

[0051] In a third aspect, an embodiment of the present application provides a digital currency payment device, comprising:

[0052] A first communication module is configured to establish a first communication connection with a first payer and receive payment information of the first payer based on the first communication connection, wherein the payment information indicates characteristic information of the first payer and a payment amount.

[0053] The first digital currency wallet is configured to generate a first coin string based on the payment amount, a pre-stored digital currency string, and a pre-stored target payment wallet certificate matching the characteristic information.

[0054] The first communication module is further configured to pay the first coin string to the first payment party based on the first communication connection.

[0055] Optionally, the digital currency payment device further includes:

[0056] The certificate storage module is configured to pre-store payment wallet certificates of a plurality of payment parties.

[0057] The first digital currency wallet is further configured to search for a target payment wallet certificate matching the characteristic information from the pre-stored payment wallet certificates of the plurality of payment parties in the certificate storage module.

[0058] In a fourth aspect, an embodiment of the present application provides a digital currency payment device, which includes the digital currency payment device provided in the third aspect.

[0059] In a fifth aspect, an embodiment of the present application provides a payment device, which includes:

[0060] The second communication module is configured to send payment information to the payment party based on the first communication connection in response to the first communication connection of the payment party, wherein the payment information indicates characteristic information and a payment amount.

[0061] The second communication module is further configured to receive a first coin string sent by the payment party based on the first communication connection, wherein the first coin string is generated by the payment party based on the payment amount, a pre-stored digital currency string of the payment party, and a pre-stored target payment wallet certificate of the payment party matching the characteristic information.

[0062] The second digital currency wallet is configured to store the first coin string.

[0063] In a sixth aspect, an embodiment of the present application provides a digital currency transaction system, which includes the digital currency payment device provided in the fourth aspect, a mobile communication client, the payment device provided in the fifth aspect, and a digital currency management platform.

[0064] The digital currency payment device communicates with the digital currency management platform through the mobile communication client or the payment device.

[0065] The payment device directly communicates with the digital currency management platform.

[0066] The digital currency management platform is configured to manage the coin string of the transaction between the digital currency payment device and the payment device.

[0067] In a seventh aspect, an electronic device is provided.

[0068] An electronic device includes one or more processors and memory storing one or more programs that, when executed by the one or more processors, cause the one or more processors to implement a digital currency payment method and a payment method according to embodiments of the present application.

[0069] In an eighth aspect, a computer-readable medium is provided.

[0070] A computer-readable medium has a computer program stored thereon, which, when executed by a processor, implements a digital currency payment method and a payment method according to embodiments of the present application.

[0071] An embodiment of the above-mentioned application has the following advantages or beneficial effects: after establishing a first communication connection with a first payee, a first coin string can be generated and paid to the first payee based on the received payment amount indicated by the payment information of the first payee, the pre-stored target payment wallet certificate matching the characteristic information indicated by the payment information, and the pre-stored digital currency string. Since the payer pre-stores the target payment wallet certificate of the payee and the digital currency string, the instant communication between the payer and the digital currency management platform is avoided, and the transmission of the target payment wallet certificate is also saved, thereby effectively shortening the digital currency payment time and improving the user experience of using digital currency payment.

[0072] Further effects of the above-mentioned non-conventional optional mode will be described in conjunction with the specific embodiments below. BRIEF DESCRIPTION OF DRAWINGS

[0073] The accompanying drawings are used to better understand the present application and do not constitute an improper limitation on the present application. Among them:

[0074] Figure 1 is a schematic diagram of the main steps of a digital currency payment method according to an embodiment of the present application;

[0075] Figure 2 is a schematic diagram of the main steps of a digital currency payment method according to another embodiment of the present application;

[0076] Figure 3 is a schematic diagram of the main steps of a digital currency payment method according to another embodiment of the present application;

[0077] Figure 4is a schematic diagram of main steps of a payment method according to an embodiment of the present application;

[0078] Figure 5 is a schematic diagram of main steps of a payment method according to another embodiment of the present application;

[0079] Figure 6 is a schematic diagram of main modules of a digital currency payment device according to an embodiment of the present application;

[0080] Figure 7 is a schematic diagram of main components of a digital currency payment device according to an embodiment of the present application;

[0081] Figure 8 is a schematic diagram of main modules of a payment device according to an embodiment of the present application;

[0082] Figure 9 is a schematic diagram of main modules of a payment device according to another embodiment of the present application;

[0083] Figure 10 is a schematic diagram of main components of a digital currency transaction system according to an embodiment of the present application;

[0084] Figure 11 is a schematic diagram of main flow of entering and exiting a public transportation vehicle with an IC card having a digital currency wallet according to an embodiment of the present application;

[0085] Figure 12 is a schematic diagram of main flow of entering a tourist attraction with a mobile terminal having a digital currency wallet according to an embodiment of the present application;

[0086] Figure 13 is an exemplary system architecture diagram in which embodiments of the present application can be applied;

[0087] Figure 14 is a schematic diagram of a computer system structure of a terminal device suitable for implementing embodiments of the present application. DETAILED DESCRIPTION

[0088] Exemplary embodiments of the present application are described herein with reference to the accompanying drawings, which are meant to be exemplary and not limiting. Therefore, it should be recognized that many modifications and changes can be made to the embodiments described herein without departing from the scope and spirit of the present application. Also, for the sake of brevity and clarity, descriptions of well-known functions and constructions are omitted herein.

[0089] Figure 1 is a schematic diagram of main steps of a digital currency payment method according to an embodiment of the present application. For this Figure 1The embodiments provided and the related embodiments Figure 1 The digital currency payment method provided by the embodiments of the present application can be applied to any one of the following devices: a mobile terminal device, a near field communication chip card, and a near field communication chip buckle. In addition, other hardware devices having the same working principle as the near field communication chip card or the near field communication chip buckle are also within the protection scope of the embodiments of the present application.

[0090] As shown in the embodiments of the present application, Figure 1 The digital currency payment method of one embodiment of the present application mainly includes the following steps.

[0091] Step S101: A first communication connection is established with a first payee, and payee information of the first payee is received based on the first communication connection, wherein the payee information indicates characteristic information of the first payee and a payee amount;

[0092] The execution subject of the digital currency payment method is a near field communication chip card or a near field communication chip buckle, and the first communication connection is generally near field communication realized through NFC (Near Field Communication, near field communication) function. The execution subject of the digital currency payment method is a mobile terminal device such as a mobile phone, and the first communication connection can be Bluetooth, wifi, cellular data connection, etc.

[0093] The first payee can refer to a client for receiving payment, such as a payee POS machine, a payee mobile terminal device, etc. The first payee can also refer to a server for managing a client for receiving payment.

[0094] The characteristic information of the first payee can include a payee ID and a payee wallet certificate serial number. In addition, the characteristic information of the first payee can also include other information that can uniquely represent or be used to find the payee wallet certificate.

[0095] In addition, after the step S101, a target payee wallet certificate matching the characteristic information can also be found from the pre-stored payee wallet certificates of a plurality of payees. By pre-storing the payee wallet certificates of a plurality of payees, the demand for different payments can be met. In addition, by finding the target payee wallet certificate matching the characteristic information from the pre-stored payee wallet certificates of a plurality of payees, it is not necessary to download the target payee wallet certificate from the digital currency management platform, which greatly shortens the acquisition time of the target payee wallet certificate, thereby effectively improving the digital currency payment efficiency and improving the user experience.

[0096] Step S102: Based on the payee amount, the pre-stored digital currency string, and the pre-stored target payee wallet certificate matching the characteristic information, a first coin string is generated, and the first coin string is paid to the first payee through the first communication connection.

[0097] It is worth mentioning that the digital currency string pre-stored in the digital currency wallet in the above near field communication chip card or near field communication chip buckle can be stored by a special device and a client, etc., and can also be stored in a bank, etc.

[0098] The collection amount can be set according to actual needs, such as a fixed value, such as the amount required for the longest distance of riding the subway, etc.

[0099] The coin string refers to a digital string or a digital identifier used to indicate the amount of digital currency.

[0100] According to Figure 1 In the embodiment shown in FIG. 1, after establishing a first communication connection with the first payee, the first coin string can be generated and paid to the first payee based on the received collection amount indicated by the collection information of the first payee, the pre-stored target collection wallet certificate matching the characteristic information indicated by the collection information, and the pre-stored digital currency string. Since the payer pre-stores the target collection wallet certificate and the digital currency string of the payee, the instant communication between the payer and the digital currency management platform is avoided, and the transmission of the target collection wallet certificate can be saved, thereby effectively shortening the digital currency payment time and improving the user experience of using digital currency payment.

[0101] In the embodiment of the present application, as shown in Figure 2 After the above step S102, the following steps can be further included:

[0102] Step S201: Establishing a second communication connection with the first payee, so that the first payee determines the actual payment amount based on the information of the first communication connection and the information of the second communication connection, wherein the actual payment amount is not greater than the amount indicated by the first coin string;

[0103] That is, the first coin string can be the prepayment amount for phased billing, for example, for riding public transportation such as subways, buses, etc., the first communication connection is for entering a station or getting on a vehicle, and the second communication connection is for exiting a station or getting off a vehicle. The information of the first communication connection can be the entering station site, the entering POS machine code, etc., and the information of the second communication connection can be the exiting station site, the exiting POS machine code, etc. Then, based on the information of the entering and exiting stations, the actual payment amount can be calculated to meet the needs of phased billing and to meet the needs of different billing methods.

[0104] Step S202: In the case where the actual payment amount is less than the amount indicated by the first coin string, obtaining the second coin string returned by the first payee, wherein the second coin string indicates the difference between the amount indicated by the first coin string and the actual payment amount.

[0105] The embodiment of acquiring the second coin string returned by the first payee in step S202 can include: acquiring the second coin string from the digital currency management platform through a third communication connection in the case that a third communication connection is established with the second payee.

[0106] Specifically, in the case of being applied to a mobile terminal device, the embodiment of acquiring the second coin string returned by the first payee in step S202 can include: acquiring the second coin string from the digital currency management platform directly through the mobile terminal.

[0107] Specifically, at least one client installed on the mobile terminal device can be opened to have a calling interface to the digital currency management platform; in the case that the payment method is applied to a near field communication chip card or a near field communication chip deduction, the embodiment of acquiring the second coin string returned by the first payee can include: acquiring the second coin string from the digital currency management platform through near field communication and any calling interface in the case that the near field communication chip card or the near field communication chip deduction establishes near field communication with the mobile terminal.

[0108] Through the above process, the near field communication chip card or the near field communication chip deduction asynchronously acquires the second coin string from the digital currency management platform. Then in the case of being applied to the scene of taking public transportation or involving the process of swiping the card by the POS machine, the user does not need to wait for the deduction or the refund, etc., thereby further improving the user experience.

[0109] It is worth noting that the "first", "second" and "third" such as the first communication connection, the second communication connection, the third communication connection, the first coin string, the second coin string, the first payee, the second payee, etc. proposed in the embodiments of the present application are to distinguish the characteristics of different stages, and are not a kind of sorting.

[0110] As shown in Figure 3 The method provided by the embodiments of the present application can further include the following steps:

[0111] Step S301: record the information of the first communication connection and the information of the second communication connection;

[0112] For example, in the case of taking the subway by the user with a near field communication IC card having a digital currency wallet, the information of the first communication connection can be the time of entering the station, the name of the station of entering the station, the serial number of the POS machine of entering the station, etc. The information of the second communication connection can be the time of exiting the station, the name of the station of exiting the station, the serial number of the POS machine of exiting the station, etc.

[0113] Step S302: in the case of receiving the actual payment amount sent by the first payee, judging whether the actual payment amount is correct based on the recorded information of the first communication connection and the information of the second communication connection, if yes, executing step S303; otherwise, executing step S304;

[0114] Step S303: sending the payment confirmation information to the first payee, executing the step of obtaining the second currency string returned by the first payee, and ending the current process;

[0115] Step S304: feeding back the error prompt information for correction based on the error prompt information.

[0116] The above process can ensure the correctness of the deduction.

[0117] In the embodiment of the present application, before the step S101, further comprising: downloading and storing or updating the payment wallet certificates of the plurality of payees from the digital currency management platform.

[0118] In addition, the at least one client installed on the mobile terminal device can be opened to have a calling interface for the digital currency management platform; then, in the case that the payment method is applied to the near field communication chip card or the near field communication chip deduction, and the near field communication chip card or the near field communication chip deduction establishes the near field communication with the mobile terminal, the payment wallet certificates of the plurality of payees are downloaded and stored from the digital currency management platform through the near field communication and the calling interface for the digital currency management platform existing in the mobile terminal. That is, the at least one client installed on the mobile terminal device is used as the communication channel between the near field communication chip card or the near field communication chip deduction and the digital currency management platform, and since the at least one client installed on the mobile terminal device is only used as the communication channel, it does not need to be registered or real-name, and in addition, the entire use process of the near field communication chip card or the near field communication chip deduction does not involve the registration or real-name process, which can meet the needs of the old people, children and the like who are not flexible in using the mobile device, thereby effectively improving the user experience.

[0119] Figure 4 is the main step schematic diagram of the payment method according to an embodiment of the present application. The payment method is the payment method corresponding to the digital currency payment method shown in the above Figures 1 to 3 .

[0120] As shown in the above Figure 4 , the payment method of an embodiment of the present application can include the following steps:

[0121] Step S401: in response to the first communication connection of the payer, sending the payment information to the payer based on the first communication connection, wherein the payment information indicates the characteristic information and the payment amount;

[0122] Step S402: receiving the first currency string sent by the payer based on the first communication connection, wherein the first currency string is generated by the payer based on the payment amount, the digital currency string pre-stored by the payer and the target payment wallet certificate pre-stored by the payer and matched with the characteristic information.

[0123] The payment method can further include: verifying the digital signature of the payer carried by the first currency string, and determining that the payment is successful if the verification is passed.

[0124] In the embodiments of the present application, as shown in Figure 5 The payment method can further include the following steps:

[0125] Step S501: In response to the second communication connection of the payer, determining the actual payment amount based on the information of the first communication connection and the information of the second communication connection, wherein the actual payment amount is not greater than the amount indicated by the first currency string;

[0126] The payment method can further include: sending the actual payment amount to the payer; and in response to receiving the payment confirmation information for the actual payment amount sent by the payer, executing the step of generating the second currency string.

[0127] Step S502: In the case where the actual payment amount is less than the amount indicated by the first currency string, generating a second currency string, and returning the second currency string to the payer, wherein the second currency string indicates the difference between the amount indicated by the first currency string and the actual payment amount.

[0128] The specific implementation of returning the second currency string to the payer can include: sending the second currency string to the digital management platform, so as to return the second currency string to the payer through the digital management platform in the case where the payer establishes a communication connection with the digital management platform.

[0129] In addition, the payment method corresponding to the digital currency payment method can be applied to a plurality of payment clients and a server connected with the plurality of payment clients. The plurality of payment clients can be conveniently managed uniformly.

[0130] In addition, for the embodiments shown in Figure 5 The payment method can further include: sending the actual payment amount to the payer; and in response to receiving the payment confirmation information for the actual payment amount sent by the payer, executing the step of generating the second currency string. This further ensures the security and accuracy of the payment.

[0131] For the embodiments shown in Figure 4 and Figure 5 The payment method can further include: in response to the first communication connection or the second communication connection of the payer, establishing a communication connection between the payer and the digital management platform. That is, the near field communication IC card or the near field communication IC card buckle with the digital currency wallet can establish a communication connection with the digital management platform, so that the digital management platform can obtain the refund of the previous consumption, the updated payment wallet certificate, etc.

[0132] In the embodiment of the present application, the information of the first communication connection comprises first characteristic information of the payment client corresponding to the first communication connection; the information of the second communication connection comprises second characteristic information of the payment client corresponding to the first communication connection; and correspondingly, the actual payment amount is determined by the server based on the first characteristic information, the second characteristic information and the preset payment strategy. For the scenario involving inbound and outbound, the first characteristic information can be the time of inbound, the station name of inbound, the POS machine serial number of inbound, etc. The second characteristic information can be the time of outbound, the station name of outbound, the POS machine serial number of outbound, etc.

[0133] Figure 6 is the main module schematic diagram of the digital currency payment device according to an embodiment of the present application.

[0134] As shown in Figure 6 , the digital currency payment device 600 according to an embodiment of the present application mainly comprises a first communication module 601 and a first digital currency wallet 602, wherein,

[0135] The first communication module 601 is configured to establish a first communication connection with a first payee, and receive payment information of the first payee based on the first communication connection, wherein the payment information indicates characteristic information of the first payee and a payment amount;

[0136] The first digital currency wallet 602 is configured to generate a first currency string based on the payment amount, a pre-stored digital currency string and a pre-stored target payment wallet certificate matching the characteristic information.

[0137] The first communication module 601 is further configured to pay the first currency string to the first payee based on the first communication connection.

[0138] In the embodiment of the present application, as shown in Figure 6 , the above-mentioned digital currency payment device 600 can further comprise a certificate storage module 603.

[0139] The certificate storage module 603 is configured to pre-store payment wallet certificates of a plurality of payees.

[0140] The first digital currency wallet is further configured to find a target payment wallet certificate matching the characteristic information from the pre-stored payment wallet certificates of the plurality of payees in the certificate storage module.

[0141] In the embodiment of the present application, the characteristic information indicated by the payment information received by the first communication module 601 comprises a payee ID and a payment wallet certificate serial number.

[0142] In the embodiment of the present application, the first digital currency wallet 602 is further configured to download the payment wallet certificates of the plurality of payees from the digital currency management platform through the first communication module 601, and store the downloaded payment wallet certificates of the plurality of payees in the storage certificate storage module 603; or update the payment wallet certificates of the plurality of payees stored in the storage certificate storage module 603 by using the downloaded payment wallet certificates of the plurality of payees.

[0143] In the embodiment of the present application, the first communication module 601 is further configured to establish a second communication connection with the first payee, so that the first payee determines an actual payment amount based on information of the first communication connection and information of the second communication connection, wherein the actual payment amount is not greater than the amount indicated by the first currency string.

[0144] In the embodiment of the present application, the first digital currency wallet 602 is further configured to, in the case that the actual payment amount is less than the amount indicated by the first currency string, acquire a second currency string returned by the first payee through the first communication module 601, wherein the second currency string indicates a difference between the amount indicated by the first currency string and the actual payment amount. In the embodiment of the present application, the first digital currency wallet 602 is further configured to, in the case that a third communication connection with the second payee is established through the first communication module, acquire the second currency string from the digital currency management platform through the third communication connection.

[0145] In the embodiment of the present application, the digital currency payment device 600 is applied to any one of the following devices,

[0146] a mobile terminal device, a near field communication chip card, and a near field communication chip buckle.

[0147] In the embodiment of the present application, the first digital currency wallet 602 is further configured to record information of the first communication connection and information of the second communication connection; in the case that the actual payment amount sent by the first payee is received, determine whether the actual payment amount is correct based on the recorded information of the first communication connection and the information of the second communication connection, and if so, send a payment confirmation information to the first payee through the first communication module 601, and execute the step of acquiring the second currency string returned by the first payee.

[0148] Figure 7 FIG. 7 is a schematic diagram of a digital currency payment device according to an embodiment of the present application.

[0149] As shown in FIG. 7, the digital currency payment device 700 includes the digital currency payment device 600 provided in the embodiment shown in FIG. 6. Figure 7 Figure 6 As shown in FIG. 7, the digital currency payment device 700 includes the digital currency payment device 600 provided in the embodiment shown in FIG. 6.

[0150] Figure 8 FIG. 8 is a schematic diagram of main modules of a payment device according to an embodiment of the present application.​

[0151] As shown in Figure 8 The payment device 800 can include a second communication module 801, which, in response to a first communication connection of a payer, sends payment information to the payer based on the first communication connection, wherein the payment information indicates characteristic information and a payment amount.

[0152] The second communication module 801 is further configured to receive a first coin string sent by the payer based on the first communication connection, wherein the first coin string is generated by the payer based on the payment amount, a digital currency string pre-stored by the payer, and a target payment wallet certificate pre-stored by the payer and matching the characteristic information.

[0153] The second digital currency wallet 802 is configured to store the first coin string.

[0154] In an embodiment of the present application, the second digital currency wallet 802 is further configured to verify the digital signature of the payer carried by the first coin string, and if the verification is passed, determine that the payment is successful.

[0155] In an embodiment of the present application, the second digital currency wallet 802 is further configured to determine an actual payment amount based on information of the first communication connection and information of a second communication connection of the payer in response to the second communication module 801, wherein the actual payment amount is not greater than the amount indicated by the first coin string.

[0156] The second digital currency wallet 802 is further configured to generate a second coin string and return the second coin string to the payer through the second communication module 801 in a case where the actual payment amount is less than the amount indicated by the first coin string, wherein the second coin string indicates the difference between the amount indicated by the first coin string and the actual payment amount.

[0157] The second digital currency wallet 802 is further configured to send the second coin string to a digital management platform, so as to return the second coin string to the payer through the digital management platform in a case where the payer establishes a communication connection with the digital management platform.

[0158] The second communication module 801 establishes a communication connection between the payer and the digital management platform in response to the first communication connection or the second communication connection of the payer.

[0159] As shown in Figure 9 The second communication module 801 in the above payment device 800 is arranged in a plurality of payment clients 901, and the second digital currency wallet 802 is arranged in a server 902 in communication connection with the payment clients 901.

[0160] In this embodiment of the invention, the information of the first communication connection includes: first characteristic information of the payment client corresponding to the first communication connection; the information of the second communication connection includes: second characteristic information of the payment client corresponding to the first communication connection.

[0161] Server 902 is used to calculate the actual payment amount based on the first feature information, the second feature information, and the preset payment strategy.

[0162] The second communication module 801 is further used to send the actual payment amount to the payer;

[0163] The second digital currency wallet 802 is further configured to, in response to the second communication module 801 receiving payment confirmation information for the actual payment amount sent by the payer, execute the step of generating a second currency string. Understandably, the second communication module 801 receives the payment confirmation information for the actual payment amount sent by the payer and sends the payment confirmation information for the actual payment amount to the second digital currency wallet 802.

[0164] like Figure 10 As shown, this embodiment of the invention provides a digital currency trading system 1000, which includes: a mobile communication client 1001, a digital currency management platform 1002, a digital currency payment device 800 provided in the above embodiment, and a payment receiving device 800 provided in the above embodiment.

[0165] The digital currency payment device 800 communicates with the digital currency management platform 1002 via the mobile communication client 1002 or the payment receiving device 800.

[0166] The payment receiving device 800 communicates directly with the digital currency management platform 1002;

[0167] The digital currency management platform 1002 is used to manage the currency strings transacted between the digital currency payment device 800 and the receiving device 800.

[0168] The payment receiving device 1004 may include: multiple payment receiving clients 1005 and a server 1006 connected to the payment receiving clients 1005.

[0169] Among them, multiple payment clients 1005 can communicate directly with the digital currency management platform 1002, or they can communicate with the digital currency management platform 1002 through the connected server 1006.

[0170] In order to clearly illustrate the digital currency payment and collection method provided by the embodiments of the present application, the following will take two scenarios as examples, i.e., the scenario of swiping the IC card with a digital currency wallet in and out of a public transportation tool and the scenario of entering a tourist attraction through a mobile terminal, to illustrate the interaction process between various devices included in the digital currency transaction system in detail.

[0171] For the application scenario of swiping the IC card with a digital currency wallet in and out of a public transportation tool, the corresponding digital currency transaction system can include a mobile client, an IC card with a digital currency wallet, a plurality of public transportation tool collection clients (such as an in-station POS machine or an out-station POS machine), and a collection server connected with the plurality of public transportation tool collection clients (such as an in-station POS machine or an out-station POS machine).

[0172] As shown in Figure 11 For the application scenario of swiping the IC card with a digital currency wallet in and out of a public transportation tool, the digital currency payment and collection method can include the following steps:

[0173] Step S1101: The IC card with a digital currency wallet contacts a mobile terminal device.

[0174] The contact can be that the IC card with a digital currency wallet is attached to the back of the mobile terminal device. It is worth noting that the mobile terminal device needs to support NFC function. By attaching the IC card with a digital currency wallet to the mobile terminal device, a client installed on the mobile terminal device can be activated, so that the client installed on the mobile terminal device can call a digital currency management platform through a pre-opened interface.

[0175] Step S1102: The NFC communication function of the IC card with a digital currency wallet is set to communicate with the client installed on the mobile terminal device.

[0176] Step S1103: The client installed on the mobile terminal device establishes a communication channel between the IC card with a digital currency wallet and the digital currency management platform.

[0177] The client installed in the mobile terminal device can be a digital currency app developed for the IC card with the digital currency wallet, or an app with a plug-in added to the existing app. The digital currency management platform can open an interface for the digital currency app and the plug-in, so that the digital currency app or the plug-in serves as a communication channel between the IC card with the digital currency wallet and the digital currency management platform, that is, the IC card with the digital currency wallet and the digital currency management platform communicate through the digital currency app or the plug-in. The entire process does not require the user to register or log in to the digital currency app or the plug-in, and the IC card with the digital currency wallet does not require real-name registration, so that users of various age groups and users of different nationalities can use it, effectively improving the user experience.

[0178] Step S1104: The IC card with the digital currency wallet downloads or updates the payee wallet certificate from the digital currency management platform by taking the client installed in the mobile terminal device as a communication channel;

[0179] Step S1105: The IC card with the digital currency wallet stores the downloaded or updated payee wallet certificate;

[0180] Step S1106: The IC card with the digital currency wallet contacts the POS machine at the entrance;

[0181] The contact means that the IC card with the digital currency wallet is placed or contacted with the IC card induction area of the POS machine.

[0182] Step S1107: The IC card with the digital currency wallet receives the payment amount, the payee ID and the payee wallet certificate serial number sent by the POS machine at the entrance;

[0183] Step S1108: The IC card with the digital currency wallet finds the target payee wallet certificate from the stored multiple payee wallet certificates based on the received payee ID and payee wallet certificate serial number;

[0184] Step S1109: The IC card with the digital currency wallet generates a first coin string based on the payment amount, and pays the first coin string to the POS machine at the entrance based on the target payee wallet certificate;

[0185] Step S1110: The POS machine at the entrance verifies the signature of the first coin string, and opens the entrance gate for the user after the verification is passed;

[0186] Step S1111: The POS machine at the entrance transmits the first coin string and the entrance information related to the first coin string to the server;

[0187] Step S1112: The server synchronizes the first coin string flow information to the digital currency management platform;

[0188] Step S1113: the IC card with the digital currency wallet contacts the POS machine of the exit;

[0189] Step S1114: the POS machine of the exit opens the gate for the IC card with the digital currency wallet, so that the user exits;

[0190] Step S1115: the POS machine of the exit transmits the exit information related to the IC card with the digital currency wallet to the server;

[0191] Step S1116: the server calculates the actual payment amount according to the exit information and the entry information; in the case where the actual payment amount is equal to the amount indicated by the first currency string, the current process is ended; in the case where the actual payment amount is less than the amount indicated by the first currency string, step S1117 is performed;

[0192] Step S1117: the server sends a second currency string for indicating the difference between the amount indicated by the first currency string and the actual payment amount to the digital currency management platform; in the case where the IC card with the digital currency wallet contacts the mobile terminal device again, step S1118 is performed; in the case where the IC card with the digital currency wallet contacts other POS machines, step S1119 is performed;

[0193] Step S1118: the digital currency management platform sends the second currency string to the IC card with the digital currency wallet through the mobile terminal device, and ends the current process;

[0194] Step S1119: the digital currency management platform sends the second currency string to the IC card with the digital currency wallet through other POS machines.

[0195] The step S1119 can be that the other POS machines directly communicate with the digital currency management platform to serve as a communication channel between the digital currency management platform and the IC card with the digital currency wallet, so as to realize the asynchronous synchronization of the second currency string to the IC card with the digital currency wallet. The other POS machines can indirectly communicate with the digital currency management platform through the server connected thereto, so that the digital currency management platform, through the server connected to the other POS machines, the other POS machines, synchronizes the second currency string to the IC card with the digital currency wallet.

[0196] For the application scenario of entering a tourist attraction through a mobile terminal, the corresponding digital currency transaction system can include a mobile terminal with a digital currency wallet, a plurality of attraction collection clients (such as POS machines corresponding to entries or POS machines for exits), and an attraction collection server connected to the plurality of collection clients (such as POS machines corresponding to entries or POS machines for exits).

[0197] It is worth mentioning that the above application scenario of entering and exiting a public transportation vehicle by using an IC card with a digital currency wallet is only an example, and any payment and collection realized by interaction between the IC card with the digital currency wallet or IC card deduction, a client installed on a mobile terminal, a POS machine, a server, and a digital currency management platform are within the protection scope of the embodiments of the present application.

[0198] As shown in FIG. 12, for the application scenario of entering a tourist attraction by using a mobile terminal with a digital currency wallet, the digital currency payment and collection method can include the following steps: Figure 12

[0199] Step S1201: The mobile terminal with the digital currency wallet downloads or updates a collection wallet certificate from the digital currency platform;

[0200] Step S1202: The collection wallet certificate is stored;

[0201] Step S1203: The mobile terminal with the digital currency wallet establishes communication with a POS machine at an entrance of the tourist attraction; the mobile terminal with the digital currency wallet receives the collection amount, the collection party ID, and the collection wallet certificate serial number sent by the POS machine at the entrance;

[0202] Step S1204: The mobile terminal with the digital currency wallet searches for a target collection wallet certificate from the stored multiple collection wallet certificates based on the received collection party ID and collection wallet certificate serial number;

[0203] Step S1205: The mobile terminal with the digital currency wallet generates a first coin string based on the collection amount, and pays the first coin string to the POS machine at the entrance based on the target collection wallet certificate;

[0204] Step S1206: The POS machine at the entrance verifies the signature of the first coin string, and opens the entrance gate for the user after verification;

[0205] Step S1207: The POS machine at the entrance transmits the first coin string and the entrance information related to the first coin string to the server;

[0206] Step S1208: The server synchronizes the first coin string flow information to the digital currency management platform.

[0207] It is worth mentioning that the above application scenario of entering a tourist attraction by using a mobile terminal with a digital currency wallet is only an example, and any payment and collection realized by interaction between the mobile terminal with the digital currency wallet, a POS machine, a server, and a digital currency management platform are within the protection scope of the embodiments of the present application.

[0208] Figure 13 ​An exemplary system architecture 1300 is shown that can be applied to digital currency payment methods and collection methods, or digital currency payment devices or collection devices according to embodiments of the present invention.

[0209] like Figure 13 As shown, the system architecture 1300 may include mobile terminal devices 1301 and 1302, an IC card 1303 with a digital wallet, an IC card clip 1304 with a digital wallet, a first network 1305, a payment client 1306, a second network 1307, a server 1308, a third network 1309, and a digital currency management platform 1310. The first network 1305 serves as the medium for providing a communication link between the mobile terminal devices 1301 and 1302 and the digital currency management platform 1310. The second network 1307 serves as the medium for providing a communication link between the payment client 1306 and the server 1308. The third network 1309 serves as the medium for communication links between the server 1308 and the digital currency management platform 1310, and between the payment client 1306 and the digital currency management platform 1310. The first network 1305, the second network 1307, and the third network 1309 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0210] Users can use IC cards 1303 and 1304 with digital wallets to interact with the digital currency management platform 1310 via mobile terminal devices 1301 and 1302 and the first network 1305 to receive payment wallet certificates or returned coin strings. Users can also use IC cards 1303 and 1304 with digital wallets to interact with a payment client 1306, and through the payment client 1306 and the second network 1307 to interact with the server 1308 to pay coin strings to the payment client 1306 or verify the accuracy of the actual payment amount determined by the server 1308.

[0211] The payment client 1306 communicates with the server 1308. The payment client 1306 can send the card swiping information of the IC card 1303 with digital wallet and the IC card debit 1304 with digital wallet, such as the entry time and exit time, to the server 1308. The server can perform statistics, management, and calculation of the actual charging amount for the information sent by multiple payment clients 1306.

[0212] Server 1308 communicates with digital currency management platform 1310 and can return the remaining coin strings to digital currency management platform 1310. Digital currency management platform 1310 returns the remaining coin strings to IC card 1303 with digital wallet through payment client 1306 or mobile terminal devices 1301 and 1302. IC card with digital wallet debits 1304.

[0213] The mobile terminal device 1301, 1302 can install various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, and the like (only as examples).

[0214] The mobile terminal device 1301, 1302 can be various electronic devices with a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, and the like.

[0215] The IC card with digital wallet 1303 and the IC card buckle with digital wallet 1304 refer to cards or buckles with IC chips that can perform near field communication such as NFC communication with the mobile terminal device 1301, 1302 and the collection client.

[0216] The server 1308 can be a server providing various services, such as a background management server providing support for information such as coin strings, card swiping times, card swiping locations, and the like of interactions between the user using the IC card with digital wallet 1303 or the IC card buckle with digital wallet 1304 and the collection client 1306 (only as an example). The background management server can analyze and process the received coin strings, card swiping times, card swiping locations, and the like, and feed back the processing results (such as the actual payment amount, the coin strings to be refunded - only as an example) to the IC card with digital wallet 1303 or the IC card buckle with digital wallet 1304 through the collection client 1306.

[0217] It should be noted that the digital currency payment method provided by the embodiment of the application is generally executed by the IC card with digital wallet 1303 or the IC card buckle with digital wallet 1304, and the collection method is generally executed by the collection client 1306 and the server 1308. Correspondingly, the digital currency payment device is generally provided in the IC card with digital wallet 1303 or the IC card buckle with digital wallet 1304. The modules of the collection device are generally distributed in the collection client 1306 and the server 1308.

[0218] It should be understood that Figure 13 The number of mobile terminal devices, IC cards with digital wallets, IC card buckles with digital wallets, collection clients, servers, digital currency management platforms, and networks in the above-mentioned embodiments is only illustrative. According to the needs of implementation, there can be any number of terminal devices, networks, and servers.

[0219] The following refers to Figure 14 which shows a structural schematic diagram of a computer system 1400 of a mobile terminal device or a collection client suitable for implementing the embodiments of the present application. Figure 14The mobile terminal device or the payment receiving client shown is merely an example and should not bring any limitation to the function and use range of the embodiments of the present application.

[0220] As Figure 14 shown, the computer system 1400 includes a central processing unit (CPU) 1401 which can perform various appropriate actions and processes according to programs stored in a read only memory (ROM) 1402 or programs loaded from the storage section 1408 into a random access memory (RAM) 1403. In the RAM 1403, various programs and data required for the operation of the system 1400 are also stored. The CPU 1401, the ROM 1402, and the RAM 1403 are connected to each other through a bus 1404. An input / output (I / O) interface 1405 is also connected to the bus 1404.

[0221] The following components are connected to the I / O interface 1405: an input section 1406 including a keyboard, a mouse, etc.; an output section 1407 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1408 including a hard disk, etc.; and a communication section 1409 including a network interface card such as a LAN card, a modem, etc. The communication section 1409 performs communication processing via a network such as the Internet. A drive 1410 is also connected to the I / O interface 1405 as necessary. A removable media 1411 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 1410 as necessary, so that a computer program read out therefrom is installed into the storage section 1408 as necessary.

[0222] In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts can be implemented as a computer software program. For example, the embodiments of the present disclosure include a computer program product including a computer program carried on a computer readable medium, the computer program containing program codes for executing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network by the communication section 1409, and / or installed from the removable media 1411. When the computer program is executed by the central processing unit (CPU) 1401, the above-described functions defined in the system of the present application are executed.

[0223] It should be noted that the computer-readable medium shown in the application can be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may, for example, but is not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or instrument, or any combination of the above. More specific examples of computer-readable storage media can include, but are not limited to, electrical connections with one or more conductive wires, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In this application, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, device or instrument. In this application, the computer-readable signal medium can include a data signal carried in a baseband or as a part of a carrier wave, which carries computer-readable program code. Such a propagated data signal can take many forms, including but not limited to electromagnetic signals, optical signals or any suitable combination of the above. The computer-readable signal medium can also be any computer-readable medium other than the computer-readable storage medium, which can send, propagate or transmit programs for use by or in conjunction with an instruction execution system, device or instrument. The program code contained on the computer-readable medium can be transmitted by any suitable medium, including but not limited to wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0224] The flowcharts and block diagrams in the drawings illustrate the possible implementation architectures, functions and operations of the systems, methods and computer program products according to various embodiments of the application. In this regard, each block in the flowcharts or block diagrams can represent a module, a program segment or a part of code containing one or more executable instructions for implementing the specified logical functions. It should also be noted that in some alternative implementations, the functions noted in the blocks can occur in different order than that shown in the drawings. For example, two blocks that are shown in succession can actually be executed substantially in parallel, and they can also be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams or flowcharts, and the combination of blocks in the block diagrams or flowcharts, can be implemented by a dedicated hardware-based system that performs the specified functions or operations, or can be implemented by a combination of special-purpose hardware and computer instructions.

[0225] The modules described in the embodiments of the present application can be implemented in the form of software or in the form of hardware. The described modules can also be arranged in a processor, for example, a processor can be described as including a first communication module, a first digital currency wallet, and a certificate storage module. In some cases, the names of these modules do not constitute a limitation on the modules themselves, for example, the first communication module can also be described as "establishing a first communication connection with a first payee, receiving payment information of the first payee based on the first communication connection".

[0226] As another aspect, the present application also provides a computer readable medium, which can be included in the device described in the above embodiments, or can exist independently without being assembled into the device. The computer readable medium carries one or more programs, which, when executed by the device, cause the device to include: establishing a first communication connection with a first payee, receiving payment information of the first payee based on the first communication connection, wherein the payment information indicates characteristic information of the first payee and a payment amount; generating a first coin string based on the payment amount, a pre-stored digital currency string, and a pre-stored target payment wallet certificate matching the characteristic information, and paying the first coin string to the first payee through the first communication connection.

[0227] According to the technical scheme of the embodiments of the present application, after establishing a first communication connection with a first payee, a first coin string can be generated and paid to the first payee based on the payment amount indicated by the received payment information of the first payee, the pre-stored target payment wallet certificate matching the characteristic information indicated by the payment information, and the pre-stored digital currency string. Since the payer pre-stores the target payment wallet certificate of the payee and the digital currency string, the instant communication between the payer and the digital currency management platform is avoided, and the transmission of the target payment wallet certificate is also saved, thereby effectively shortening the digital currency payment time and improving the user experience of using digital currency payment.

[0228] The above specific embodiments do not constitute a limitation on the scope of protection of the present application. 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 replacements, and improvements made within the spirit and principles of the present application should be included in the scope of protection of the present application.

Claims

1. A digital currency payment method characterized by, The method comprises the following steps: establishing a first communication connection with a first payee, receiving payee information of the first payee based on the first communication connection, wherein the payee information indicates characteristic information of the first payee and a pay amount; finding a target pay wallet certificate matching the characteristic information from pre-stored pay wallet certificates of a plurality of payees; generating a first coin string based on the pay amount, a pre-stored digital currency string, and a pre-stored target pay wallet certificate matching the characteristic information, and paying the first coin string to the first payee through the first communication connection; establishing a second communication connection with the first payee, so that the first payee determines an actual payment amount based on information of the first communication connection and information of the second communication connection, wherein the actual payment amount is not greater than an amount indicated by the first coin string; in a case where the actual payment amount is less than the amount indicated by the first coin string, obtaining a second coin string returned by the first payee, wherein the second coin string indicates a difference between the amount indicated by the first coin string and the actual payment amount.

2. The method of claim 1, wherein, The characteristic information comprises: a payee ID and a pay wallet certificate serial number.

3. The method of claim 1, wherein, In the case of being applied to a mobile terminal device, the obtaining of the second coin string returned by the first payee comprises: directly obtaining the second coin string from a digital currency management platform through the mobile terminal device.

4. The method of claim 1, wherein, In the case of being applied to a near field communication chip card or a near field communication chip buckle, further comprising: at least one client installed on the mobile terminal device is opened to have a calling interface for the digital currency management platform; the obtaining of the second coin string returned by the first payee comprises: in a case where the near field communication chip card or the near field communication chip buckle establishes near field communication with the mobile terminal device, obtaining the second coin string from the digital currency management platform through the near field communication and any calling interface.

5. The method of claim 1, wherein, further comprising: recording information of the first communication connection and information of the second communication connection; in a case where the actual payment amount sent by the first payee is received, judging whether the actual payment amount is correct based on the recorded information of the first communication connection and the information of the second communication connection, if yes, sending payment confirmation information to the first payee, and performing the step of obtaining the second coin string returned by the first payee.

6. The method of claim 1, wherein, further comprising: downloading and storing or updating pay wallet certificates of a plurality of payees from a digital currency management platform.

7. The method of claim 6, wherein, In the case of being applied to a near field communication chip card or a near field communication chip buckle, downloading and storing pay wallet certificates of a plurality of payees from a digital currency management platform comprises: in a case where the near field communication chip card or the near field communication chip buckle establishes near field communication with a mobile terminal, downloading and storing pay wallet certificates of a plurality of payees from the digital currency management platform through the near field communication and a calling interface for the digital currency management platform existing in the mobile terminal.

8. The method of any one of claims 1, 2, and 6, wherein Be applied to any one of the following multiple devices, Mobile terminal device, near field communication chip card, near field communication chip buckle.

9. A method of collecting money, characterized by, Comprise: In response to the first communication connection of the payer, based on the first communication connection, send the payee information to the payer, wherein the payee information indicates the characteristic information of the first payee and the collection amount; Based on the first communication connection, receive the first currency string sent by the payer, wherein the first currency string is generated by the payer based on the collection amount, the digital currency string pre-stored by the payer and the target payee wallet certificate pre-stored by the payer matching the characteristic information, and the target payee wallet certificate pre-stored by the payer matching the characteristic information is found from the pre-stored multiple payee payee wallet certificates; In response to the second communication connection of the payer, based on the information of the first communication connection and the information of the second communication connection, determine the actual payment amount, wherein the actual payment amount is not greater than the amount indicated by the first currency string; In the case where the actual payment amount is less than the amount indicated by the first currency string, a second currency string is generated and returned to the payer, wherein the second currency string indicates the difference between the amount indicated by the first currency string and the actual payment amount.

10. The method of claim 9, wherein, Further comprising: Verify the digital signature of the payer carried by the first currency string, and if the verification is passed, determine that the payment is successful.

11. The method of claim 9, wherein, Said the second currency string is returned to the payer, comprising: Send the second currency string to the digital management platform, so that the second currency string is returned to the payer through the digital management platform when the payer establishes a communication connection with the digital management platform.

12. The method of claim 9, wherein, Applied to multiple payee clients and servers connected with multiple payee clients.

13. The method of claim 9, wherein, Further comprising: Send the actual payment amount to the payer; In response to receiving the payment confirmation information sent by the payer for the actual payment amount, execute the step of generating a second currency string.

14. The method of claim 11, wherein, Further comprising: In response to the first communication connection or the second communication connection of the payer, establish a communication connection between the payer and the digital management platform.

15. The method of claim 12, wherein, The information of the first communication connection comprises: the first characteristic information of the payee client corresponding to the first communication connection; The information of the second communication connection comprises: the second characteristic information of the payee client corresponding to the first communication connection; The determination of the actual payment amount comprises: The server calculates the actual payment amount based on the first characteristic information, the second characteristic information and the preset payment strategy.

16. A digital currency payment device, characterized by Comprise: A first communication module is used to establish a first communication connection with a first payee, and based on the first communication connection, receive the payee information of the first payee, wherein the payee information indicates the characteristic information of the first payee and the collection amount; The first digital currency wallet is configured to generate a first currency string based on the payment amount, a pre-stored digital currency string, and a pre-stored target payment wallet certificate matching the characteristic information; The first communication module is further configured to pay the first currency string to the first payment party based on the first communication connection; The digital currency payment device further comprises a certificate storage module configured to pre-store payment wallet certificates of a plurality of payment parties; The first digital currency wallet is further configured to search for a target payment wallet certificate matching the characteristic information from the pre-stored payment wallet certificates of the plurality of payment parties in the certificate storage module; The first communication module is further configured to establish a second communication connection with the first payment party, so that the first payment party determines an actual payment amount based on information of the first communication connection and information of the second communication connection, wherein the actual payment amount is not greater than an amount indicated by the first currency string; The first digital currency wallet is further configured to acquire a second currency string returned by the first payment party through the first communication module in a case where the actual payment amount is less than the amount indicated by the first currency string, wherein the second currency string indicates a difference between the amount indicated by the first currency string and the actual payment amount.

17. A digital currency payment device, characterized by The digital currency payment device of claim 16.

18. A cash collection device characterized by The digital currency payment device comprises: The second communication module is configured to send payment information to the payment party based on the first communication connection in response to the first communication connection of the payment party, wherein the payment information indicates characteristic information of the first payment party and a payment amount; The second communication module is further configured to receive a first currency string sent by the payment party based on the first communication connection, wherein the first currency string is generated by the payment party based on the payment amount, a pre-stored digital currency string of the payment party, and a pre-stored target payment wallet certificate of the payment party matching the characteristic information, and the pre-stored target payment wallet certificate of the payment party matching the characteristic information is searched from pre-stored payment wallet certificates of a plurality of payment parties; The second digital currency wallet is configured to store the first currency string; The second digital currency wallet is further configured to determine an actual payment amount based on information of the first communication connection and information of a second communication connection in response to the second communication connection of the payment party through the second communication module, wherein the actual payment amount is not greater than an amount indicated by the first currency string; and generate a second currency string and return the second currency string to the payment party through the second communication module in a case where the actual payment amount is less than the amount indicated by the first currency string, wherein the second currency string indicates a difference between the amount indicated by the first currency string and the actual payment amount.

19. The payment device of claim 18, wherein The second communication module is arranged in a plurality of payment clients; The second digital currency wallet is arranged in a server in communication connection with the payment clients.

20. A digital currency transaction system characterized in that, The digital currency payment device of claim 17 and the payment device of claim 18 or 19, wherein The digital currency payment device of claim 17 and the payment device of claim 18 or 19, wherein The digital currency payment device communicates with the digital currency management platform through the mobile communication client or the payment device; The payment device directly communicates with the digital currency management platform; The digital currency management platform is configured to manage currency strings of transactions between the digital currency payment device and the payment device.

21. An electronic device, comprising: Comprise: One or more processors; Memory 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 of any one of claims 1-15.

22. A computer readable medium having stored thereon a computer program, characterized in that, The computer program is executed by the processor to implement the method of any one of claims 1-15.

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