A method and apparatus for processing digital currency transactions

Abstract

The application discloses a method and device for processing digital currency business, and relates to the technical field of digital currency. A specific embodiment of the method comprises the following steps: receiving a digital currency redemption request sent by a client; wherein the digital currency redemption request carries a user account and a redemption amount; storing funds from the user account into an account of an agency according to the redemption amount; and storing digital currency from a wallet of the agency into a user wallet according to the redemption amount. The embodiment can solve the technical problem that commercial banks which cannot be directly connected to an interconnection platform cannot provide digital currency services for users.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of digital currency, and in particular to a method and device for processing digital currency business. BACKGROUND

[0002] Digital currency (DC) is a kind of virtual currency based on node network and digital encryption algorithm, which is an electronic alternative form of currency. Digital currency can be exchanged and redeemed with real currency at a certain rate.

[0003] In the process of implementing the present application, the inventors have found that at least the following problems exist in the prior art:

[0004] At present, the limitation of the dual operation system of the digital currency layer is that the commercial banks which cannot directly connect to the interconnection platform cannot provide digital currency services to their users, which may cause waste of the service system of such commercial banks and may trigger the migration impulse of customers and funds due to the lack of digital currency service capability of such commercial banks. SUMMARY

[0005] Therefore, the embodiments of the present application provide a method and device for processing digital currency business to solve the technical problem that the commercial banks which cannot directly connect to the interconnection platform cannot provide digital currency services to their users.

[0006] To achieve the above-mentioned purpose, according to an aspect of an embodiment of the present application, a method for processing digital currency business is provided, which is applied to an agent institution and includes the following steps.

[0007] Receiving a digital currency redemption request sent by a client; wherein the digital currency redemption request carries a user account and a redemption amount;

[0008] According to the redemption amount, depositing funds from the user account to an account of the agent institution;

[0009] According to the redemption amount, depositing digital currency from a wallet of the agent institution to a user wallet.

[0010] Optionally, the method further includes the following steps.

[0011] If the balance of the wallet of the agent institution is less than a preset first threshold, sending a digital currency redemption request to an operating institution.

[0012] In addition, according to another aspect of an embodiment of the present application, a method for processing digital currency business is provided, which is applied to an agent institution and includes the following steps.

[0013] Receiving a digital currency redemption request sent by a client; wherein the digital currency redemption request carries a user account and a redemption amount;

[0014] depositing digital currency from the user's wallet to the agent's wallet according to the redemption amount;

[0015] depositing funds from the agent's account to the user's account according to the redemption amount.

[0016] Optionally, the method further comprises:

[0017] if the balance of the agent's wallet is greater than a preset second threshold, sending a digital currency redemption request to the operating agency.

[0018] In addition, according to another aspect of an embodiment of the present application, a method for processing digital currency business is provided, which is applied to an operating agency and comprises:

[0019] receiving a digital currency redemption request sent by an agent; wherein the digital currency redemption request carries a user account of the agent and a redemption amount;

[0020] depositing digital currency from the operating agency's wallet to the agent's wallet according to the redemption amount;

[0021] depositing funds from the operating agency's account to the agent's account according to the redemption amount.

[0022] Optionally, the agent's account is a digital currency special account opened at the operating agency, the agent's wallet is opened at the operating agency, and the agent's account and the agent's wallet are bound to each other.

[0023] In addition, according to another aspect of an embodiment of the present application, a method for processing digital currency business is provided, which is applied to an operating agency and comprises:

[0024] receiving a digital currency redemption request sent by an agent; wherein the digital currency redemption request carries a user account of the agent and a redemption amount;

[0025] depositing digital currency from the operating agency's wallet to the agent's wallet according to the redemption amount;

[0026] depositing funds from the operating agency's account to the agent's account according to the redemption amount.

[0027] Optionally, the agent's account is a digital currency special account opened at the operating agency, the agent's wallet is opened at the operating agency, and the agent's account and the agent's wallet are bound to each other.

[0028] Additionally, according to another aspect of the embodiments of the present application, a method for processing a digital currency transaction is provided, comprising:

[0029] The client sends a digital currency withdrawal request to the agency, wherein the digital currency withdrawal request carries a user account and a withdrawal amount;

[0030] The agency receives the digital currency withdrawal request sent by the client, and deposits funds from the user account to the account of the agency and deposits digital currency from the wallet of the agency to the wallet of the user according to the withdrawal request;

[0031] The agency sends a digital currency withdrawal request to the operator, wherein the digital currency withdrawal request carries a user account of the agency and a withdrawal amount;

[0032] The operator receives the digital currency withdrawal request sent by the agency, and deposits funds from the account of the agency to the account of the operator and deposits digital currency from the wallet of the operator to the wallet of the agency according to the withdrawal amount.

[0033] Optionally, further comprising:

[0034] The client sends a digital currency withdrawal request to the agency, wherein the digital currency withdrawal request carries a user account and a withdrawal amount;

[0035] The agency receives the digital currency withdrawal request sent by the client, and deposits funds from the user account to the account of the agency and deposits digital currency from the wallet of the agency to the wallet of the user according to the withdrawal request;

[0036] The agency sends a digital currency withdrawal request to the operator, wherein the digital currency withdrawal request carries a user account of the agency and a withdrawal amount;

[0037] The operator receives the digital currency withdrawal request sent by the agency, and deposits funds from the account of the agency to the account of the operator and deposits digital currency from the wallet of the operator to the wallet of the agency according to the withdrawal amount.

[0038] Optionally, further comprising:

[0039] If the balance of the wallet of the agency is less than a preset first threshold, a digital currency withdrawal request is sent to the operator;

[0040] If the balance of the wallet of the agency is greater than a preset second threshold, a digital currency withdrawal request is sent to the operator.

[0041] Optionally, the account of the agency is a digital currency account opened in the operating agency, and the wallet of the agency is opened in the operating agency, and the account of the agency is bound to the wallet of the agency.

[0042] According to another aspect of the embodiments of the present application, an electronic device is also provided, comprising:

[0043] one or more processors;

[0044] a storage device for storing one or more programs,

[0045] When the one or more programs are executed by the one or more processors, the one or more processors implement the method of any of the above embodiments.

[0046] According to another aspect of the embodiments of the present application, a computer readable medium having stored thereon a computer program is also provided, which, when executed by a processor, implements the method of any of the above embodiments.

[0047] One embodiment of the above application has the following advantages or beneficial effects: because the digital currency redemption request sent by the receiving client is received, the funds are deposited from the user account to the account of the agency according to the redemption amount, and the digital currency is deposited from the wallet of the agency to the wallet of the user according to the redemption amount, the technical problem that the commercial bank which cannot directly connect to the interconnection platform in the prior art cannot provide digital currency services to its users is overcome. The embodiment of the present application establishes a neutral service mode in the operating agency through the agency, which is conducive to driving the digital currency service to cover the whole society, and the digital currency service capability is transmitted to each market subject through the agency, so that the whole society can obtain the related service fairly, thereby facilitating the realization of the role of the digital currency service subject of the operating agency; the embodiment of the present application utilizes the existing mature financial service system of the agency to quickly establish a digital currency service ecology, fully utilizes the existing service system elements of the agency, and improves the stability, security and availability of the digital currency customer financial service, thereby facilitating the market service capability of the non-operating agency commercial bank; the embodiment of the present application reasonably designs the agency mode to maximize the independence and distinguishability of the agency service, protect its service position to customers, realize the customers to obtain digital currency service from the agency according to the existing habit, reduce the short-term migration of customers and funds due to the difference in digital currency basic capability, and thereby facilitate the protection of the overall stability of the market.

[0048] The further effects of the above non-conventional optional mode will be described in the following specific embodiments. BRIEF DESCRIPTION OF DRAWINGS

[0049] The accompanying drawings are used to better understand the present application, and do not constitute undue limitations on the present application. Among them:

[0050] Figure 1 is a schematic diagram of the main flow of a method for processing digital currency business according to an embodiment of the present application;

[0051] Figure 2 is a schematic diagram of the main flow of a method for processing digital currency business according to a reference embodiment of the present application;

[0052] Figure 3 is a schematic diagram of the main flow of a method for processing digital currency business according to another embodiment of the present application;

[0053] Figure 4 is a schematic diagram of the main flow of a method for processing digital currency business according to another reference embodiment of the present application;

[0054] Figure 5 is a schematic diagram of the main flow of a method for processing digital currency business according to still another embodiment of the present application;

[0055] Figure 6 is a schematic diagram of the main flow of a method for processing digital currency business according to still another reference embodiment of the present application;

[0056] Figure 7 is a system architecture diagram of a system for processing digital currency business according to an embodiment of the present application;

[0057] Figure 8 is a schematic diagram of the main modules of an apparatus for processing digital currency business according to an embodiment of the present application;

[0058] Figure 9 is a schematic diagram of the main modules of an apparatus for processing digital currency business according to another embodiment of the present application;

[0059] Figure 10 is a schematic diagram of the main modules of an apparatus for processing digital currency business according to still another embodiment of the present application;

[0060] Figure 11 is a schematic diagram of the main modules of an apparatus for processing digital currency business according to yet another embodiment of the present application;

[0061] Figure 12 is an exemplary system architecture diagram to which embodiments of the present application can be applied;

[0062] Figure 13 is a structural schematic diagram of a computer system of a terminal device or a server suitable for implementing embodiments of the present application. DETAILED DESCRIPTION

[0063] Exemplary embodiments of the present application are described herein with reference to the accompanying drawings, which are meant to be exemplary in nature, and include various details intended to facilitate understanding of the application. Accordingly, it should be understood that various changes and modifications to the embodiments described herein can be made by those skilled in the art without departing from the scope and spirit of the application. Likewise, it is to be understood that the features implied by the description above are included as generic features in each claim. Furthermore, for the purpose of clarity and a concise description, elements shown in the following description have not been necessarily described or shown in complete detail with respect to the accompanying drawings. Further, the purpose of the Abstract is to enable the patent office and the public generally, and especially the scientists, engineers and practitioners in the art who are not familiar with patent or legal terms or phraseology, to determine quickly from a cursory inspection the nature of the technical disclosure. The Abstract is submitted with the understanding that it will not be used to interpret or to limit the scope or the meaning of the claims.

[0064] Figure 1 is a schematic diagram of the main flow of a method for processing a digital currency business according to an embodiment of the present application. As shown in Figure 1 , the method for processing a digital currency business applied to an agency, can include:

[0065] Step 101, receiving a digital currency redemption request sent by a client; wherein the digital currency redemption request carries a user account and a redemption amount.

[0066] In an embodiment of the present application, the agency refers to a commercial bank that cannot directly access the interconnection platform and needs to obtain the digital currency service capability for customers through the operation agency, that is, a non-operation agency commercial bank. The agency accesses the digital currency service system through the operation agency, forming an agency customer service end between the issuing end and the client.

[0067] When a user needs to redeem digital currency, the user sends a digital currency redemption request to the agency through the client, and the agency receives the digital currency redemption request sent by the client, wherein the digital currency redemption request carries a user account and a redemption amount.

[0068] Step 102, depositing funds from the user account to the account of the agency according to the redemption amount.

[0069] The agency deposits funds from the user account to the account of the agency according to the user account and the redemption amount carried in the digital currency redemption request, that is, the agency deducts the funds from the user account and deposits the deducted funds into the account of the agency.

[0070] The account of the agency is a digital currency special account opened in the operation agency. For example, the digital currency special account is a special account opened by the agency in the related commercial bank of the operation agency for clearing funds between the agency and the operation agency.

[0071] Step 103, depositing digital currency from the wallet of the agency to the user wallet according to the redemption amount.

[0072] After the agent deposits the fund from the user account into the account of the agent, the agent deposits the digital currency from the wallet of the agent into the wallet of the user according to the exchange amount.

[0073] In the embodiment of the present application, the wallet of the agent is opened in the operating agency, which can be a hardware wallet opened in the operating agency, and the account of the agent is bound to the wallet of the agent. For example, the wallet of the agent is a wallet opened by the operating agency for the agent to provide digital currency services for customers of the agent. The agent applies to bind the wallet of the agent to the digital currency special account opened by the agent in the operating agency. The exchange and redemption of the wallet of the agent are directly in and out of the digital currency special account of the agent. The agent can monitor the transaction details and balance of the wallet in real time, check the account and manage the liquidity.

[0074] Since the agent opens both the digital currency special account and the wallet, the closed loop circulation between the agent and its customers in the digital currency wallet can be realized, and the digital currency liquidity management of the agent can be realized by using the wallet of the agent.

[0075] The embodiment of the present application maintains the existing currency management system and constructs the agent service mode of the digital currency pilot cooperation between the operating agency and the non-operating agency commercial bank, which is the most feasible and stable service architecture, is conducive to the full market coverage of digital currency, and is conducive to realizing the main role of the operating agency in digital currency service. In the embodiment of the present application, the agent that cannot be directly connected to the interconnection can sign an agreement with the operating agency to become an agent of the operating agency, open a digital currency special account or an agent wallet, reuse the existing agent service platform product of the operating agency, establish a transaction channel for agent digital currency business, realize the ability of the agent to provide wallet management (including personal wallet management and corporate wallet management), merchant management, payment transaction, account processing, etc. for its customers, and help the bank to provide digital currency comprehensive service ability to its customers through its own financial service system, thereby solving the problem that the agent cannot provide digital currency services for its customers due to the inability to directly access the interconnection platform.

[0076] According to various embodiments described above, it can be seen that the embodiments of the present application solve the technical problem that commercial banks which cannot directly connect to the interconnection platform cannot provide digital currency services to their users in the prior art by receiving a digital currency redemption request sent by a client, depositing funds from a user account to an account of an agency according to a redemption amount, and depositing digital currency from a wallet of the agency to a user wallet according to the redemption amount. The embodiments of the present application establish a service mode neutral to operating agencies through the agency, which is conducive to driving digital currency services to cover the whole society, and the digital currency service capability is transmitted to market subjects through the agency, which is convenient for the whole society to obtain related services fairly, thereby being conducive to realizing the role of the operating agency digital currency service subject. The embodiments of the present application utilize the existing mature financial service system of the agency to quickly establish a digital currency service ecology, fully utilize the existing service system elements of the agency, and improve the stability, security and availability of digital currency customer financial services, thereby being conducive to exerting the market service capability of non-operating agency commercial banks. The embodiments of the present application reasonably design the agency mode to maximize the independence and distinguishability of the agency service, protect the service status of the agency to customers, realize that customers obtain digital currency services from the agency according to existing habits, reduce short-term migration of customers and funds due to differences in digital currency basic capabilities, and thereby be conducive to protecting the overall stability of the market.

[0077] Figure 2 is a schematic diagram of the main process of a method for processing digital currency business according to an embodiment of the present application. As another embodiment of the present application, as shown in Figure 2 , the method for processing digital currency business is applied to an agency and can include:

[0078] Step 201, receiving a digital currency redemption request sent by a client; wherein the digital currency redemption request carries a user account and a redemption amount.

[0079] Step 202, depositing funds from the user account to an account of the agency according to the redemption amount.

[0080] Step 203, depositing digital currency from a wallet of the agency to a user wallet according to the redemption amount.

[0081] Step 204, if the balance of the wallet of the agency is less than a preset first threshold, sending a digital currency redemption request to an operating agency.

[0082] If the agency finds or anticipates that the balance of the wallet is not enough, the agency can timely redeem digital currency from the account (i.e., a digital currency special account) to the wallet to ensure the normal development of the digital currency business.

[0083] It should be noted that the implementation steps of steps 201-204 are not limited to the above embodiments, and the above embodiments are only exemplary embodiments of possible implementation processes, and the embodiments of the present application do not limit the implementation order of the above steps.

[0084] In addition, the specific implementation of the method for processing digital currency business in another embodiment of the present application has been described in detail in the above method for processing digital currency business, and therefore the repeated content will not be described here.

[0085] Figure 3 is a schematic diagram of the main flow of the method for processing digital currency business according to another embodiment of the present application. As another embodiment of the present application, as shown in Figure 3 the method for processing digital currency business is applied to an agency, and can include:

[0086] Step 301, receiving a digital currency redemption request sent by a client; wherein the digital currency redemption request carries a user account and a redemption amount.

[0087] When a user needs to redeem digital currency, the client sends a digital currency redemption request to the agency, and the agency receives the digital currency redemption request sent by the client, and the digital currency redemption request carries a user account and a redemption amount.

[0088] Step 302, depositing digital currency from the user wallet to the wallet of the agency according to the redemption amount.

[0089] The agency deposits digital currency from the user wallet to the wallet of the agency according to the user account and the redemption amount carried in the digital currency redemption request.

[0090] Step 303, depositing funds from the account of the agency to the user account according to the redemption amount.

[0091] The agency deposits funds from the account of the agency to the user account according to the redemption amount, that is, the agency deducts the amount from the agency account and deposits it into the user account, thereby completing the digital currency redemption.

[0092] In addition, the specific implementation of the method for processing digital currency business in another embodiment of the present application has been described in detail in the above method for processing digital currency business, and therefore the repeated content will not be described here.

[0093] Figure 4 is a schematic diagram of the main flow of the method for processing digital currency business according to another embodiment of the present application. As another embodiment of the present application, as shown in Figure 2As shown, the method for processing digital currency business applied to the agency can include:

[0094] Step 401, receiving the digital currency redemption request sent by the client; wherein the digital currency redemption request carries the user account and the redemption amount.

[0095] Step 402, depositing digital currency from the user wallet to the wallet of the agency according to the redemption amount.

[0096] Step 403, depositing funds from the account of the agency to the user account according to the redemption amount.

[0097] Step 404, if the balance of the wallet of the agency is greater than a preset second threshold, sending a digital currency redemption request to the operating agency.

[0098] If the digital currency in the wallet of the agency needs to be redeemed, a redemption application is initiated to the operating agency, and the digital currency redemption funds are deposited into the account (i.e. the digital currency special account) thereof.

[0099] It should be noted that the implementation steps of steps 401-404 are not limited to the above embodiments, and the above embodiments only exemplarily show possible embodiment processes, and the embodiment of the present application does not limit the implementation order of the above steps.

[0100] In addition, the specific implementation content of the method for processing digital currency business in one of the reference embodiments of the present application has been described in detail in the above method for processing digital currency business, and therefore the repeated content will not be described here.

[0101] Figure 5 is a schematic diagram of the main process of the method for processing digital currency business according to another embodiment of the present application. As another embodiment of the present application, as shown in Figure 5 The method for processing digital currency business applied to the operating agency can include:

[0102] Step 501, receiving the digital currency redemption request sent by the agency; wherein the digital currency redemption request carries the user account of the agency and the redemption amount.

[0103] If the agency finds or anticipates that the balance of the wallet is not enough, the digital currency can be redeemed from the account (i.e. the digital currency special account) thereof to the wallet in time to ensure the normal development of the digital currency business thereof.

[0104] Step 502, depositing funds from the account of the agency to the account of the operating agency according to the redemption amount.

[0105] The operating agency deposits money from the account of the agency to the account of the operating agency according to the exchange-out amount carried in the exchange-out request, that is, the operating agency deducts money from the account of the agency and deposits the deducted money to the account of the operating agency.

[0106] Step 503, depositing digital currency from the wallet of the operating agency to the wallet of the agency according to the exchange-out amount.

[0107] After the operating agency deposits money from the account of the agency to the account of the operating agency, the operating agency deposits digital currency from the wallet of the operating agency to the wallet of the agency according to the exchange-out amount.

[0108] In addition, the specific implementation of the method for processing digital currency business in another embodiment of the present application has been described in detail in the above method for processing digital currency business, and thus the repeated content is not described here.

[0109] Figure 6 Fig. 1 is a schematic diagram of the main flow of the method for processing digital currency business according to another embodiment of the present application. As shown in Fig. 1, the method for processing digital currency business applied to an operating agency can include: Figure 6

[0110] Step 601, receiving a digital currency exchange-back request sent by an agency; wherein the digital currency exchange-out request carries the account of the agency and the exchange-back amount.

[0111] Similarly, if the digital currency in the wallet of the agency needs to be exchanged back, an exchange-back application is initiated to the operating agency, and the digital currency exchange-back money is deposited to the account (i.e., the digital currency special account) of the operating agency.

[0112] Step 602, depositing digital currency from the wallet of the agency to the wallet of the operating agency according to the exchange-back amount.

[0113] Step 603, depositing money from the account of the operating agency to the account of the agency according to the exchange-back amount.

[0114] The operating agency deposits digital currency from the wallet of the agency to the wallet of the operating agency according to the exchange-back amount, and then deposits money from the account of the operating agency to the account of the agency according to the exchange-back amount, that is, the operating agency deducts money from the account of the operating agency and deposits the deducted money to the account of the agency, thereby completing the exchange-back of the digital currency.

[0115] ​In addition, the specific implementation of the method for processing digital currency business in another exemplary embodiment of the present application has been described in detail in the above-described method for processing digital currency business, and therefore repeated content will not be described here.

[0116] The embodiment of the present application also provides a method for processing digital currency business, comprising: a client sending a digital currency redemption request to an agency; wherein the digital currency redemption request carries a user account and a redemption amount; the agency receiving the digital currency redemption request sent by the client, and storing funds from the user account into an account of the agency and storing digital currency from a wallet of the agency into a user wallet according to the redemption request; the agency sending a digital currency redemption request to an operating agency; wherein the digital currency redemption request carries a user account of the agency and a redemption amount; the operating agency receiving the digital currency redemption request sent by the agency, and storing funds from the account of the agency into an account of the operating agency and storing digital currency from a wallet of the operating agency into a wallet of the agency according to the redemption amount.

[0117] Optionally, the method can further comprise: the client sending a digital currency redemption request to the agency; wherein the digital currency redemption request carries a user account and a redemption amount; the agency receiving the digital currency redemption request sent by the client, and storing digital currency from the user wallet into a wallet of the agency and storing funds from an account of the agency into a user account according to the redemption amount; the agency sending a digital currency redemption request to the operating agency; wherein the digital currency redemption request carries an account of the agency and a redemption amount; the operating agency receiving the digital currency redemption request sent by the agency, and storing digital currency from a wallet of the agency into a wallet of the operating agency and storing funds from an account of the operating agency into an account of the agency according to the redemption amount.

[0118] Figure 7 is a system architecture diagram for processing digital currency business according to an embodiment of the present application. As shown in Figure 7 The agency can be an agency bank, which is a commercial bank that cannot directly access the interconnection platform and needs to obtain the service capability of digital currency for customers through the operating agency, i.e., a non-operating agency commercial bank. The agency bank accesses the digital currency service system through the operating agency, forming an agency bank customer service end between the issuing end and the client end.

[0119] The account of the agent bank is a digital currency special account opened in the operating agency. For example, the digital currency special account is a special account opened by the agent bank in the operating agency for the fund settlement between the agent bank and the operating agency. The wallet of the agent bank is a hardware wallet opened in the operating agency, and the account of the agent bank is bound to the wallet of the agent bank. For example, the wallet of the agent bank is a wallet opened by the operating agency for the agent bank, which is used to provide digital currency services for customers of the agent bank. The agent bank applies to bind the wallet of the agent bank to the digital currency special account opened by the agent bank in the operating agency related commercial bank, and the withdrawal / return of the wallet of the agent bank is directly in and out of the digital currency special account. The agent bank can monitor the transaction details and balance of the wallet in real time, and perform account checking and liquidity management.

[0120] When the user (which can be an individual customer or a corporate customer) needs to redeem the digital currency, the client sends a digital currency redemption request to the agent bank, and the agent bank receives the digital currency redemption request sent by the client, which carries the user account and the redemption amount.

[0121] The agent bank deposits funds from the user account to the account of the agent bank according to the user account and the redemption amount carried in the digital currency redemption request, that is, the agent bank deducts the funds from the user account and deposits the deducted funds into the account of the agent bank. After the agent bank deposits funds from the user account to the account of the agent bank, the agent bank deposits digital currency from the wallet of the agent bank to the user wallet according to the redemption amount.

[0122] Since the agent bank opens both a digital currency special account and a wallet, the agent bank and its customers can realize closed-loop circulation between digital currency wallets, and the agent bank can use the wallet to realize digital currency liquidity management within the agent bank.

[0123] The user can also send a digital currency return request to the agent bank through the client, and the agent bank receives the digital currency return request sent by the client, which carries the user account and the return amount. The agent bank deposits digital currency from the user wallet to the wallet of the agent bank according to the return amount, and then deposits funds from the account of the agent bank to the user account according to the return amount, that is, the agent bank deducts the funds from the account of the agent bank and deposits the deducted funds into the user account, thereby completing the digital currency return.

[0124] Optionally, if the balance of the wallet of the agent institution is less than a preset first threshold, a digital currency redemption request is sent to the operating agency; if the balance of the wallet of the agent institution is greater than a preset second threshold, a digital currency return request is sent to the operating agency.

[0125] If the agent bank finds or anticipates that the wallet balance is insufficient, the agent bank can exchange digital currency from the account (i.e., the digital currency special account) to the wallet in time to ensure the normal development of the digital currency business of the agent bank. The operating agency deposits funds from the account of the agent bank to the account of the operating agency according to the exchange amount carried in the exchange request, that is, the operating agency deducts the funds from the account of the agent bank and then deposits the deducted funds to the account of the operating agency. After the operating agency deposits funds from the account of the agent bank to the account of the operating agency, the operating agency deposits digital currency from the wallet of the operating agency to the wallet of the agent bank according to the exchange amount.

[0126] If the digital currency in the wallet of the agent bank is to be exchanged back, an exchange application is initiated to the operating agency, and the digital currency is exchanged back to the account (i.e., the digital currency special account) of the agent bank, which will not be described again.

[0127] The embodiment of the present application is the most feasible and stable service architecture under the premise of maintaining the existing currency management system, and is beneficial to the full market coverage of digital currency and the realization of the main role of the operating agency in digital currency service. In the embodiment of the present application, the agent bank that cannot be directly connected to the interconnection can sign an agreement with the operating agency to become an agent bank of the operating agency, open a digital currency special account or an agent bank wallet, reuse the existing agent service platform product of the operating agency, establish a transaction channel for agent digital currency business, and realize the ability of the agent bank to provide wallet management (including personal wallet management and public wallet management), merchant management, payment transaction, and account processing for its customers, so as to help the agent bank provide comprehensive digital currency service capabilities to its customers through its own financial service system, thereby solving the problem that the agent bank cannot provide digital currency services for its customers due to the inability to directly access the interconnection platform.

[0128] Figure 8 is a schematic diagram of main modules of a device for processing digital currency business according to an embodiment of the present application, as Figure 8 shown, the device 800 for processing digital currency business is arranged in an agent institution and includes a first receiving module 801 and a first exchange module 802. The first receiving module 801 is configured to receive a digital currency exchange request sent by a client. The digital currency exchange request carries a user account and an exchange amount. The first exchange module 802 is configured to deposit funds from the user account to the account of the agent institution according to the exchange amount, and deposit digital currency from the wallet of the agent institution to the wallet of the user according to the exchange amount.

[0129] Optionally, the device further includes a first sending module configured to:

[0130] If the wallet balance of the agency institution is less than a preset first quota threshold, a digital currency redemption request is sent to the operating institution.

[0131] It should be noted that the specific implementation of the device for processing digital currency business is described in detail in the above method for processing digital currency business, and thus repeated content will not be described here.

[0132] Figure 9 is a schematic diagram of main modules of a device for processing digital currency business according to another embodiment of the present application, as Figure 9 The device 900 for processing digital currency business is arranged in an agency institution and includes a second receiving module 901 and a first redemption module 902. The second receiving module 901 is configured to receive a digital currency redemption request sent by a client. The digital currency redemption request carries a user account and a redemption amount. The first redemption module 902 is configured to store digital currency from the user wallet into a wallet of the agency institution according to the redemption amount, and store funds from an account of the agency institution into the user account according to the redemption amount.

[0133] Optionally, the device further includes a second sending module configured to:

[0134] If the wallet balance of the agency institution is greater than a preset second quota threshold, a digital currency redemption request is sent to the operating institution.

[0135] It should be noted that the specific implementation of the device for processing digital currency business is described in detail in the above method for processing digital currency business, and thus repeated content will not be described here.

[0136] Figure 10 is a schematic diagram of main modules of a device for processing digital currency business according to another embodiment of the present application, as Figure 10 The device 1000 for processing digital currency business is arranged in an operating institution and includes a third receiving module 1001 and a second redemption module 1002. The third receiving module 1001 is configured to receive a digital currency redemption request sent by an agency institution. The digital currency redemption request carries a user account of the agency institution and a redemption amount. The second redemption module 1002 is configured to store funds from an account of the agency institution into an account of the operating institution according to the redemption amount, and store digital currency from a wallet of the operating institution into a wallet of the agency institution according to the redemption amount.

[0137] Optionally, the account of the agency institution is a digital currency special account opened in the operating institution, the wallet of the agency institution is opened in the operating institution, and the account of the agency institution and the wallet of the agency institution are bound to each other.

[0138] It should be noted that the specific implementation of the device for processing digital currency business of the present application has been described in detail in the above-mentioned method for processing digital currency business, and therefore the repeated content will not be described here.

[0139] Figure 11 is a schematic diagram of the main modules of the device for processing digital currency business according to another embodiment of the present application, as Figure 11 The device for processing digital currency business 1100 is arranged in an operating institution, and includes a fourth receiving module 1101 and a second redemption module 1102. The fourth receiving module 1101 is configured to receive a digital currency redemption request sent by an agent institution. The digital currency redemption request carries an account of the agent institution and a redemption amount. The second redemption module 1102 is configured to deposit digital currency from a wallet of the agent institution to a wallet of the operating institution according to the redemption amount, and deposit funds from an account of the operating institution to an account of the agent institution according to the redemption amount.

[0140] Optionally, the account of the agent institution is a digital currency special account opened in the operating institution, the wallet of the agent institution is opened in the operating institution, and the account of the agent institution and the wallet of the agent institution are bound to each other.

[0141] It should be noted that the specific implementation of the device for processing digital currency business of the present application has been described in detail in the above-mentioned method for processing digital currency business, and therefore the repeated content will not be described here.

[0142] Figure 12 An exemplary system architecture 1200 to which embodiments of the present application can be applied is shown.

[0143] As Figure 12 shown, the system architecture 1200 can include terminal devices 1201, 1202, 1203, a network 1204, and a server 1205. The network 1204 is a medium for providing a communication link between the terminal devices 1201, 1202, 1203 and the server 1205. The network 1204 can include various connection types, such as wired, wireless communication links, or optical fiber cables, etc.

[0144] A user can use the terminal devices 1201, 1202, 1203 to interact with the server 1205 through the network 1204 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 1201, 1202, 1203, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0145] The terminal devices 1201, 1202, and 1203 can be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0146] The server 1205 can be a server providing various services, such as a background management server supporting a shopping website browsed by a user using the terminal devices 1201, 1202, and 1203 (only as an example). The background management server can analyze and process received item information query requests and the like, and feed back processing results to the terminal devices.

[0147] It should be noted that the method for processing digital currency business provided by the embodiments of the present application is generally executed by the server 1205, and accordingly, the apparatus for processing digital currency business is generally arranged in the server 1205.

[0148] It should be understood that, Figure 12 The number of terminal devices, networks, and servers in the system is only illustrative. Any number of terminal devices, networks, and servers can be provided according to implementation needs.

[0149] Reference is made below to Figure 13 which shows a structural schematic diagram of a computer system 1300 of a terminal device suitable for implementing the embodiments of the present application. Figure 13 The terminal device shown is only an example and should not impose any limitation on the functions and use range of the embodiments of the present application.

[0150] As shown in Figure 13 , the computer system 1300 includes a central processing unit (CPU) 1301, which can perform various appropriate actions and processes according to programs stored in a read-only memory (ROM) 1302 or loaded from a storage portion 1308 into a random access memory (RAM) 1303. Various programs and data required for the operation of the system 1300 are also stored in the RAM 1303. The CPU 1301, the ROM 1302, and the RAM 1303 are connected to each other through a bus 1304. An input / output (I / O) interface 1305 is also connected to the bus 1304.

[0151] The following components are connected to the I / O interface 1305: an input part 1306 including a keyboard, a mouse, etc.; an output part 1307 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage part 1308 including a hard disk, etc.; and a communication part 1309 including a network interface card such as a LAN card, a modem, etc. The communication part 1309 performs communication processing via a network such as the Internet. A drive 1310 is also connected to the I / O interface 1305 as necessary. A removable media 1311 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 1310 as necessary, so that a computer program read out therefrom is installed in the storage part 1308 as necessary.

[0152] In particular, the processes described above with reference to the flowcharts can be implemented as a computer software program in accordance with the embodiments disclosed herein. For example, the embodiments disclosed herein include a computer program comprising a computer program carried on a computer readable medium, the computer program containing program code for executing the methods illustrated by the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network by the communication part 1309, and / or installed from the removable media 1311. When the computer program is executed by the central processing unit (CPU) 1301, the above-described functions defined in the system of the present invention are executed.

[0153] It should be noted that the computer-readable medium shown in the present 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, an electrical connection with one or more conductive wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present 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 the present application, the computer-readable signal medium can include a data signal propagating in a baseband or as a carrier wave part of a carrier wave, in which computer-readable program code is carried. Such a propagating data signal can take various 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 a program 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.

[0154] The flowcharts and block diagrams in the drawings illustrate the possible implementation architectures, functions and operations of the systems, methods and computer programs according to various embodiments of the present application. In this regard, each block in the flowchart or block diagram can represent a module, a program segment or a part of code containing one or more executable instructions for implementing the specified logical function. 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 diagram or flowchart, and the combination of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system that performs the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0155] 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 modules described can also be arranged in a processor, for example, a processor can be described as including a first receiving module and a first cash-out module, where the names of the modules do not constitute a limitation on the modules themselves in some cases.

[0156] 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 modules described can also be arranged in a processor, for example, a processor can be described as including a second receiving module and a first cash-in module, where the names of the modules do not constitute a limitation on the modules themselves in some cases.

[0157] 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 modules described can also be arranged in a processor, for example, a processor can be described as including a third receiving module and a second cash-out module, where the names of the modules do not constitute a limitation on the modules themselves in some cases.

[0158] 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, and when the one or more programs are executed by the device, the device implements the following method: receiving a digital currency cash-out request sent by a client; wherein the digital currency cash-out request carries a user account and a cash-out amount; depositing funds from the user account to an account of the agency according to the cash-out amount; and depositing digital currency from a wallet of the agency to a user wallet according to the cash-out amount.

[0159] 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, and when the one or more programs are executed by the device, the device implements the following method: receiving a digital currency cash-in request sent by a client; wherein the digital currency cash-out request carries a user account and a cash-in amount; depositing digital currency from the user wallet to a wallet of the agency according to the cash-in amount; and depositing funds from the account of the agency to the user account according to the cash-in amount.

[0160] As another aspect, the 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, when the one or more programs are executed by the device, the device implements the following method: receiving a digital currency redemption request sent by an agency; wherein the digital currency redemption request carries a user account of the agency and a redemption amount; depositing funds from the account of the agency to the account of the operating agency according to the redemption amount; and depositing digital currency from the wallet of the operating agency to the wallet of the agency according to the redemption amount.

[0161] According to the technical scheme of the embodiment of the application, because the digital currency redemption request sent by the client is received, the funds are deposited from the user account to the account of the agency according to the redemption amount, and the digital currency is deposited from the wallet of the agency to the wallet of the user according to the redemption amount, the technical problem that the commercial bank which cannot be directly connected to the interconnection platform in the prior art cannot provide digital currency services to its users is overcome. The embodiment of the application establishes a neutral service mode of the operating agency through the agency, which is conducive to driving the digital currency service to be widely covered in the whole society, and the digital currency service capability is transmitted to each market subject through the agency, so that the whole society can obtain the related service fairly, thereby being conducive to realizing the role of the digital currency service subject of the operating agency; the embodiment of the application utilizes the existing mature financial service system of the agency to quickly establish a digital currency service ecology, fully utilizes the existing service system elements of the agency, and improves the stability, security and availability of the digital currency customer financial service, thereby being conducive to exerting the market service capability of the non-operating agency commercial bank; the embodiment of the application is reasonably designed through the agency mode, maximally guarantees the independence and distinguishability of the service of the agency, guarantees the service position of the agency to the customers, realizes that the customers obtain the digital currency service from the agency according to the existing habit, reduces the short-term migration of the customers and the funds caused by the difference in the basic capability of the digital currency, and thereby is conducive to guaranteeing the overall stability of the market.

[0162] The above specific embodiments do not constitute a limitation on the protection scope of the 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 modification, equivalent replacement and improvement made within the spirit and principles of the application should be included in the protection scope of the application.

Claims

1. A method of processing a digital currency transaction, characterized by, Applied to the agency, comprising: Receiving a digital currency exchange request sent by a client; wherein the digital currency exchange request carries a user account and an exchange amount; According to the exchange amount, deposit funds from the user account to the account of the agency; According to the exchange amount, deposit digital currency from the wallet of the agency to the user wallet; The account of the agency is a digital currency special account opened in the operating agency, the wallet of the agency is opened in the operating agency, and the account of the agency is bound with the wallet of the agency.

2. The method of claim 1, wherein, Also including: If the balance of the wallet of the agency is less than a preset first threshold, send a digital currency exchange request to the operating agency.

3. A method of processing a digital currency transaction, characterized by, Applied to the agency, comprising: Receiving a digital currency exchange request sent by a client; wherein the digital currency exchange request carries a user account and an exchange amount; According to the exchange amount, deposit digital currency from the user wallet to the wallet of the agency; According to the exchange amount, deposit funds from the account of the agency to the user account; The account of the agency is a digital currency special account opened in the operating agency, the wallet of the agency is opened in the operating agency, and the account of the agency is bound with the wallet of the agency.

4. The method of claim 3, wherein, Also including: If the balance of the wallet of the agency is greater than a preset second threshold, send a digital currency exchange request to the operating agency.

5. A method of processing a digital currency transaction, characterized by, Applied to the operating agency, comprising: Receiving a digital currency exchange request sent by an agency; wherein the digital currency exchange request carries a user account of the agency and an exchange amount; According to the exchange amount, deposit funds from the account of the agency to the account of the operating agency; According to the exchange amount, deposit digital currency from the wallet of the operating agency to the wallet of the agency; The account of the agency is a digital currency special account opened in the operating agency, the wallet of the agency is opened in the operating agency, and the account of the agency is bound with the wallet of the agency.

6. A method of processing a digital currency transaction, characterized by, Applied to the operating agency, comprising: Receiving a digital currency exchange request sent by an agency; wherein the digital currency exchange request carries a user account of the agency and an exchange amount; According to the exchange amount, deposit digital currency from the wallet of the operating agency to the wallet of the agency; According to the exchange amount, deposit funds from the account of the operating agency to the account of the agency; The account of the agency is a digital currency special account opened in the operating agency, the wallet of the agency is opened in the operating agency, and the account of the agency is bound with the wallet of the agency.

7. A method of processing a digital currency transaction, characterized by, Including: The client sends a digital currency exchange request to the agency; wherein the digital currency exchange request carries a user account and an exchange amount; The agency receives the digital currency exchange request sent by the client, and deposits funds from the user account to the account of the agency and deposits digital currency from the wallet of the agency to the user wallet according to the exchange request; The agent institution sends a digital currency redemption request to the operation institution; wherein the digital currency redemption request carries a user account of the agent institution and a redemption amount; The operation institution receives the digital currency redemption request sent by the agent institution, and stores funds from the account of the agent institution to the account of the operation institution according to the redemption amount, and stores digital currency from the wallet of the operation institution to the wallet of the agent institution; The account of the agent institution is a digital currency special account opened in the operation institution, the wallet of the agent institution is opened in the operation institution, and the account of the agent institution and the wallet of the agent institution are bound to each other.

8. The method of claim 7, wherein, Further comprising: The client sends a digital currency redemption request to the agent institution; wherein the digital currency redemption request carries a user account and a redemption amount; The agent institution receives the digital currency redemption request sent by the client, and stores digital currency from the user wallet to the wallet of the agent institution according to the redemption amount, and stores funds from the account of the agent institution to the user account; The agent institution sends a digital currency redemption request to the operation institution; wherein the digital currency redemption request carries a user account of the agent institution and a redemption amount; The operation institution receives the digital currency redemption request sent by the agent institution, and stores digital currency from the wallet of the agent institution to the wallet of the operation institution according to the redemption amount, and stores funds from the account of the operation institution to the account of the agent institution.

9. The method of claim 8, wherein, Further comprising: If the balance of the wallet of the agent institution is less than a preset first quota threshold, a digital currency redemption request is sent to the operation institution; If the balance of the wallet of the agent institution is greater than a preset second quota threshold, a digital currency redemption request is sent to the operation institution.

10. An electronic device, comprising: Comprising: One or more processors; Storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method of any one of claims 1-9.

11. A computer readable medium having stored thereon a computer program, characterized in that, The program is executed by the processor to implement the method of any one of claims 1-9.

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