Business processing method and apparatus, computer-readable storage medium, and electronic device

Abstract

This specification discloses a business processing method, apparatus, computer-readable storage medium, and electronic device. A digital currency SIM card is installed on a mobile terminal. The digital currency SIM card includes a digital currency security chip, which stores the digital currency of a digital currency account. First, in response to a business request to execute an online transaction, the transaction amount required for the online transaction is determined. Second, the digital currency information corresponding to the transaction amount is obtained from the digital currency security chip. Finally, the digital currency information is sent to a server, so that the server executes the online transaction based on the digital currency information. This method can retrieve the digital currency information corresponding to the transaction amount from the digital currency security chip for online payment.

Description

TECHNICAL FIELD

[0001] The present specification relates to the technical field of Internet, and particularly relates to a service processing method and device, a computer readable storage medium and an electronic device. BACKGROUND

[0002] With the successive development of digital renminbi pilot activities, the use of digital renminbi is becoming more and more common. At present, the use of digital renminbi is in the form of hardware wallet. The hardware wallet is a wallet based on "chip" form, such as card-type hard wallet (smart card), bracelet hard wallet, etc. Digital renminbi is usually stored in the hardware wallet, and two hardware wallets with built-in digital currency chips are brought into close contact to complete payment.

[0003] However, this method can only be used for offline payment and cannot be used for online payment.

[0004] Therefore, how to meet the online payment of the hardware wallet is a problem to be solved. SUMMARY

[0005] The present specification provides a service processing method and device, a computer readable storage medium and an electronic device to partially solve the above problems existing in the prior art.

[0006] The present specification adopts the following technical solutions:

[0007] The present specification provides a service processing method, which is applied to a mobile terminal, the mobile terminal is installed with a digital currency SIM card, the digital currency SIM card contains a digital currency security chip, and the digital currency security chip stores digital currency of a digital currency account, and the method comprises the following steps:

[0008] In response to a service request for executing an online service, determining a transaction amount required for executing the online service;

[0009] Obtaining digital currency information corresponding to the transaction amount from the digital currency security chip;

[0010] Sending the digital currency information to a server, so that the server executes the online service according to the digital currency information.

[0011] Optionally, the service processing method further comprises:

[0012] Receiving an execution result returned by the server for executing the online service;

[0013] According to the execution result, updating the digital currency stored in the digital currency security chip.

[0014] Optionally, the digital currency SIM card further comprises a near field communication (NFC) chip.

[0015] Obtaining the digital currency information corresponding to the transaction amount from the digital currency security chip, specifically comprising:

[0016] According to the business request of executing the online business, sending a calling instruction to the NFC chip, and sending a data acquisition signal for acquiring the digital currency information to the digital currency security chip through the called NFC chip, so that the digital currency security chip returns the digital currency information to the NFC chip according to the data acquisition signal.

[0017] Obtaining the digital currency information from the NFC chip.

[0018] Optionally, according to the business request of executing the online business, sending a calling instruction to the NFC chip, and sending a data acquisition signal for acquiring the digital currency information to the digital currency security chip through the called NFC chip, specifically comprising:

[0019] According to the business request of executing the online business, sending a calling instruction to the NFC chip, so that the NFC chip reads program data stored in the NFC chip itself according to the calling instruction, and sends a data acquisition signal for acquiring the digital currency information to the digital currency security chip according to the program data.

[0020] Obtaining the digital currency information from the NFC chip, specifically comprising:

[0021] Obtaining the digital currency information obtained by the NFC chip after analyzing the response signal according to the program data, wherein the response signal is returned by the digital currency security chip to the NFC chip after receiving the data acquisition signal.

[0022] The present specification provides a business processing method, which is applied to a mobile terminal, wherein a digital currency SIM card is installed on the mobile terminal, the digital currency SIM card comprises a digital currency security chip, and the digital currency security chip stores digital currency of a digital currency account, comprising:

[0023] Obtaining a business request sent by an offline device through a short-distance communication unit, and determining a transaction amount required for executing a corresponding offline business of the business request;

[0024] Sending a deduction request carrying the transaction amount to a server, so that the server deducts the transaction amount from an online account and returns a response message;

[0025] According to the response message, add the transaction amount of digital currency in the digital currency account in the digital currency security chip;

[0026] Obtain the digital currency information of the transaction amount from the digital currency security chip, and send the digital currency information to the offline device through the short-distance communication unit to perform the offline business.

[0027] Optionally, the short-distance communication unit comprises a near field communication (NFC) chip, and the NFC chip is arranged in the digital currency SIM card.

[0028] Obtain the digital currency information of the transaction amount from the digital currency security chip, and send the digital currency information to the offline device through the short-distance communication unit, specifically comprising:

[0029] Obtain the digital currency information of the transaction amount from the digital currency security chip through the NFC chip, and send the digital currency information to the offline device.

[0030] Optionally, the business processing method further comprises:

[0031] Send a business order of a user to a business platform, and determine a risk level corresponding to the user through the business platform;

[0032] In response to the risk level of the user meeting a set condition, send the business order to a mobile operator terminal through the business platform, so that the mobile operator terminal manufactures the digital currency SIM card according to the business order.

[0033] Optionally, in response to the risk level of the user meeting a set condition, sending the business order to a mobile operator terminal specifically comprises:

[0034] In response to the risk level of the user meeting a set condition, determine a digital currency amount pre-charged in the digital currency SIM card;

[0035] Send the digital currency amount to a server through the business platform, so that the server sends digital currency information corresponding to the digital currency amount to a mobile operator terminal according to the digital currency amount, so that the mobile operator terminal manufactures the digital currency SIM card according to the digital currency information.

[0036] The specification provides a business processing device, which is applied to a mobile terminal, wherein a digital currency SIM card is installed on the mobile terminal, the digital currency SIM card contains a digital currency security chip, and the digital currency security chip stores digital currencies of a digital currency account, and the business processing device comprises:

[0037] A response module is configured to determine a transaction amount required for performing an online business in response to a business request of performing the online business;

[0038] An acquisition module is configured to acquire digital currency information corresponding to the transaction amount from the digital currency security chip;

[0039] An execution module is configured to send the digital currency information to a server, so that the server performs the online business according to the digital currency information.

[0040] The specification provides a business processing device, which is applied to a mobile terminal, wherein a digital currency SIM card is installed on the mobile terminal, the digital currency SIM card contains a digital currency security chip, and the digital currency security chip stores digital currencies of a digital currency account, and the business processing device comprises:

[0041] An acquisition module is configured to acquire a business request sent by an offline device through a short-distance communication unit, and determine a transaction amount required for performing an offline business corresponding to the business request;

[0042] A deduction module is configured to send a deduction request carrying the transaction amount to a server, so that the server deducts the transaction amount from an online account and returns a response message;

[0043] An addition module is configured to add digital currencies of the transaction amount in the digital currency account in the digital currency security chip according to the response message;

[0044] A sending module is configured to acquire digital currency information of the transaction amount from the digital currency security chip, and send the digital currency information to the offline device through the short-distance communication unit, so as to perform the offline business.

[0045] The specification provides a computer readable storage medium, which stores a computer program, and the computer program is executed by a processor to implement the business processing method.

[0046] The specification provides an electronic device, which comprises a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the business processing method when executing the program.

[0047] The at least one technical solution adopted in the specification can achieve the following beneficial effects:

[0048] In the business processing method provided in the specification, the mobile terminal is installed with a digital currency SIM card, the digital currency SIM card contains a digital currency security chip, and the digital currency security chip stores digital currency of a digital currency account. First, in response to a business request for executing an online business, a transaction amount required for executing the online business is determined. Second, digital currency information corresponding to the transaction amount is obtained from the digital currency security chip. Finally, the digital currency information is sent to a server, so that the server executes the online business according to the digital currency information.

[0049] As can be seen from the above method, the method can obtain digital currency information corresponding to a transaction amount from a digital currency security chip, and send the digital currency information to a server, so that the server executes an online business according to the digital currency information. The method can realize obtaining digital currency information corresponding to a transaction amount from a digital currency security chip for online payment. BRIEF DESCRIPTION OF DRAWINGS

[0050] The drawings described herein are used to provide further understanding of the specification, constitute a part of the specification, the illustrative embodiments of the specification and the description thereof are used to explain the specification, and do not constitute an improper limitation on the specification. In the drawings:

[0051] Figure 1 It is a flowchart of a business processing method in the specification;

[0052] Figure 2 It is a flowchart of another business processing method in the specification;

[0053] Figure 3 It is a flowchart of an application of a digital currency SIM card provided in the specification;

[0054] Figure 4 It is a schematic diagram of a business processing device provided in the specification;

[0055] Figure 5 It is a schematic diagram of another business processing device provided in the specification;

[0056] Figure 6 It is a schematic diagram of an electronic device corresponding to Figure 1 provided in the specification. DETAILED DESCRIPTION

[0057] To make the objectives, technical solutions, and advantages of this specification clearer, the technical solutions of this specification will be clearly and completely described below in conjunction with specific embodiments and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of them. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this specification.

[0058] In practical applications, offline digital currency payments are implemented using NFC technology. Devices using NFC (such as mobile terminals) integrate inductive card readers, inductive cards, and peer-to-peer communication functions on their chips, allowing data exchange when the devices are close to each other. In other words, to complete an offline digital currency payment, both the payee and the payer need to have hardware wallets with built-in digital currency chips.

[0059] However, this method can only be used for offline payments, not online payments. Therefore, this manual addresses the online payment issue of hardware wallets by using a digital currency SIM (Subscriber Identity Module) card that incorporates a digital currency security chip. Specifically... Figure 1 As shown, where, Figure 1 The process shown is primarily for scenarios where offline digital currencies are used to conduct online business.

[0060] Figure 1 This is a flowchart illustrating one business processing method described in this specification, which specifically includes the following steps:

[0061] S100: In response to a business request to perform online business, determine the transaction amount required to perform the online business.

[0062] The execution subject of the business processing methods involved in this specification can be an electronic device such as a mobile terminal (mobile phone, tablet computer). For ease of description, the following description will only use a mobile terminal as the execution subject to explain the business processing methods provided in this specification.

[0063] It should be noted that the mobile terminal is equipped with a digital currency SIM card, which contains a digital currency security chip. This security chip stores the digital currency in the digital currency account. The digital currency mentioned here may refer to the digital yuan.

[0064] In the embodiments described in this specification, the mobile terminal can respond to a business request to execute an online service and determine the transaction amount required to execute the online service. The business request for the online service mentioned here can refer to a user performing a payment or recharge operation on a webpage or application (APP).

[0065] S102: Obtain the digital currency information corresponding to the transaction amount from the digital currency security chip.

[0066] In the embodiments described in this specification, the mobile terminal can obtain the digital currency information corresponding to the transaction amount from the digital currency security chip.

[0067] The mobile terminal can obtain the cryptocurrency information corresponding to the transaction amount from the cryptocurrency security chip through various communication methods. For example, if the cryptocurrency SIM card includes Bluetooth, the mobile terminal can communicate with the SIM card via Bluetooth to obtain the cryptocurrency information corresponding to the transaction amount from the cryptocurrency security chip. Another example is if the cryptocurrency SIM card includes a Near Field Communication (NFC) chip, allowing the mobile terminal to communicate with the SIM card via NFC to obtain the cryptocurrency information corresponding to the transaction amount from the cryptocurrency security chip. This specification does not limit the communication method between the mobile terminal and the cryptocurrency security chip.

[0068] In the embodiments described in this specification, the mobile terminal can send a call command to the NFC chip according to a business request for executing online services. The called NFC chip then sends a data acquisition signal to the digital currency security chip to obtain digital currency information. The digital currency security chip then returns the digital currency information to the NFC chip based on the data acquisition signal. The digital currency information mentioned here can refer to the cryptocurrency string, which is an encrypted string representing the cryptocurrency.

[0069] Then, the mobile terminal can obtain digital currency information from the NFC chip.

[0070] The NFC chips are coupled to each other by an alternating magnetic field and modulated by a carrier wave using either amplitude shift keying (Ask) or frequency shift keying (FSK) to transmit digital signals.

[0071] Specifically, a mobile terminal can generate a wireless radio frequency magnetic field through an NFC chip to send a data acquisition signal to a digital currency security chip. The digital currency security chip, in response to the data acquisition signal, can either generate its own wireless radio frequency magnetic field or utilize the wireless radio frequency magnetic field generated by the mobile terminal via the NFC chip for communication. It can be seen that the aforementioned digital acquisition signal can refer to a digital signal used to acquire digital currency information.

[0072] In the embodiments of this specification, the mobile terminal can send a call command to the NFC chip according to the business request for performing online business, so that the NFC chip can read the program data stored in the NFC chip itself according to the call command, and send a data acquisition signal to the digital currency security chip for obtaining digital currency information according to the program data.

[0073] The NFC chip stores program data that enables NFC functionality, giving it the ability to transmit and parse received data. Specifically, when the NFC chip receives a call command, it sends a data acquisition signal to the digital currency security chip, based on its program data, to retrieve digital currency information. Furthermore, upon receiving a response signal from the digital currency security chip, the NFC chip parses the response signal to obtain the digital currency information contained within it. This response signal can refer to the one returned by the digital currency security chip to the NFC chip after receiving the data acquisition signal.

[0074] In the embodiments described in this specification, the mobile terminal may be equipped with an NFC chip. In this case, the digital currency SIM card may only have a digital currency security chip. The mobile terminal can obtain the digital currency information corresponding to the transaction amount from the digital currency security chip through its own NFC chip.

[0075] Of course, digital currency SIM cards can also have NFC chips. If a mobile terminal does not have an NFC chip, it can connect to the NFC chip on the digital currency SIM card to obtain digital currency information from the digital currency security chip.

[0076] As can be seen, this method can be applied regardless of whether the mobile terminal has an NFC chip, provided that the digital currency SIM card has an NFC chip. This makes the method more widely applicable.

[0077] Furthermore, if both the mobile terminal and the digital currency SIM card are equipped with NFC chips, the NFC chips on the mobile terminal and the digital currency SIM card can communicate via peer-to-peer communication to obtain the user's digital currency account information from the digital currency module. Alternatively, the mobile terminal can also connect to the NFC chip on the digital currency SIM card or use its own NFC chip to obtain digital currency information from the digital currency security chip.

[0078] As can be seen from the above method, storing digital currency information in a digital currency security chip requires the mobile terminal to indirectly obtain the digital currency information from the digital currency security chip via an NFC chip. This makes the digital currency information more secure and prevents it from being stolen by others.

[0079] Next, taking a user making a payment in an application as an example, we will describe in detail the interaction process between the mobile terminal and the digital currency SIM card.

[0080] In the embodiments described in this specification, after selecting a product, the user enters the payment interface. On the payment interface, the mobile terminal determines whether it has an NFC chip. If so, it displays various payment methods, including digital currency hardware wallet payments, to the user. If not, it displays other payment methods besides digital currency hardware wallet payments.

[0081] If a user chooses to pay with a digital currency hardware wallet, the mobile device determines whether its NFC function is enabled. If not, the mobile device guides the user to enable NFC. If enabled, the mobile device utilizes the NFC chip.

[0082] If the mobile terminal successfully calls the NFC chip, it retrieves the cryptocurrency information corresponding to the transaction amount from the cryptocurrency security chip. If the cryptocurrency information is successfully retrieved, subsequent online business operations are executed. If unsuccessful, the reason for the failure is detected and displayed.

[0083] S104: Send the digital currency information to the server so that the server can execute the online business based on the digital currency information.

[0084] In the embodiments described in this specification, the mobile terminal can send digital currency information to the server, so that the server can execute online business based on the digital currency information. The server mentioned here may refer to a bank's server.

[0085] Furthermore, the mobile terminal can receive the execution results returned by the server when performing online business. If the online business is a payment business, the execution result can be information indicating successful or unsuccessful payment. If the online business is a top-up business, the execution result can be information indicating successful top-up and the corresponding digital currency information for the transaction amount, or information indicating unsuccessful top-up.

[0086] Then, the mobile terminal can update the digital currency stored in the digital currency security chip based on the execution result.

[0087] Specifically, if the online business is a payment business and the execution result is a successful transaction, the mobile terminal can send the transaction success information to the digital currency security chip through the NFC chip, and reduce the digital currency information corresponding to the transaction amount in the digital currency information stored in the digital currency security chip.

[0088] If the online transaction is a payment transaction and the result is a transaction failure, the mobile terminal can send a transaction failure message to the digital currency security chip via the NFC chip, and will not reduce the digital currency information corresponding to the transaction amount in the digital currency information stored in the digital currency security chip.

[0089] If the online transaction is a top-up transaction, and the result is a successful top-up, the mobile terminal can send the top-up success information and the corresponding digital currency information of the transaction amount to the digital currency security chip via the NFC chip, and add the digital currency information of the transaction amount to the digital currency security chip.

[0090] If the online service is a top-up service and the result is a top-up failure, the mobile terminal can send a top-up failure message to the digital currency security chip via the NFC chip, without updating the digital currency information stored in the digital currency security chip.

[0091] It should be noted that the digital currency security chip can arbitrarily split and merge the stored digital currency information. For example, the digital currency security chip can split stored digital currency information representing one hundred into digital currency information representing eighty and digital currency information representing twenty. As another example, the digital currency security chip can merge stored digital currency information representing eighty and digital currency information representing twenty into digital currency information representing one hundred.

[0092] In practical applications, one way to use digital currency is through software wallets. Users open digital currency wallets and transfer funds from their own wallets to merchants' wallets for online payments. However, software wallets can only be used for online payments and not for offline payments.

[0093] In the embodiments of this specification, the mobile terminal can not only solve the online payment problem of hardware wallets through a digital currency SIM card containing a digital currency security chip, but also receive business requests sent by offline devices and deduct funds from the user's online account, thus solving the problem of using an online account to complete offline payments. Specifically, as follows... Figure 2 As shown.

[0094] Figure 2 This is a flowchart illustrating another business processing method described in this specification, which specifically includes the following steps:

[0095] S200: Obtain the service request sent by the offline device through the short-range communication unit, and determine the transaction amount required to execute the offline service corresponding to the service request.

[0096] In the embodiments described in this specification, the mobile terminal can obtain service requests sent by offline devices through a short-range communication unit and determine the transaction amount required to execute the corresponding offline service. The short-range communication unit mentioned here may include Bluetooth, NFC chips, etc.

[0097] Specifically, if the short-range communication unit is Bluetooth, the mobile terminal can communicate with the Bluetooth device set up on the offline device through its own Bluetooth to obtain service requests sent by the offline device.

[0098] If the short-range communication unit is an NFC chip, the mobile terminal can communicate with the NFC chip set on the offline device through its own NFC chip to obtain the service requests sent by the offline device.

[0099] Of course, if the digital currency SIM card includes Bluetooth, the mobile terminal can communicate with the Bluetooth set on the offline device through the Bluetooth of the digital currency SIM card to obtain the service requests sent by the offline device.

[0100] If the digital currency SIM card contains an NFC chip, the mobile terminal can communicate with the NFC chip set in the offline device through the NFC chip of the digital currency SIM card to obtain the service requests sent by the offline device.

[0101] S202: Send a deduction request carrying the transaction amount to the server so that the server deducts the amount from the online account according to the transaction amount and returns a response message.

[0102] S204: Based on the response message, add the digital currency of the transaction amount to the digital currency account in the digital currency security chip.

[0103] In the embodiments described in this specification, the mobile terminal can send a deduction request carrying the transaction amount to the server, so that the server can deduct the amount from the online account according to the transaction amount and return a response message. The response information mentioned here may include: the digital currency information corresponding to the transaction amount.

[0104] In the embodiments described in this specification, the mobile terminal can add digital currency of the transaction amount to the digital currency account in the digital currency security chip according to the response message.

[0105] In the embodiments described in this specification, the mobile terminal can also determine the transaction amount required for the offline service corresponding to the service request, and the balance in the digital currency account in the digital currency security chip, and determine the difference between the transaction amount required for the offline service and the balance in the digital currency account. A deduction request carrying the difference is sent to the server, so that the server deducts the amount from the user's online account based on the difference and returns a response message.

[0106] S206: Obtain the digital currency information of the transaction amount from the digital currency security chip, and send the digital currency information to the offline device through the short-range communication unit to execute the offline business.

[0107] In the embodiments described in this specification, the mobile terminal can obtain digital currency information of the transaction amount from the digital currency security chip, and send the digital currency information to offline devices through a short-range communication unit to execute offline business.

[0108] If the digital currency SIM card includes Bluetooth, the mobile terminal can communicate with the digital currency SIM card via its own Bluetooth, send a response message to the digital currency security chip, and obtain the digital currency information of the transaction amount from the digital currency security chip.

[0109] If the digital currency SIM card contains an NFC chip, the mobile terminal can communicate with the NFC chip of the digital currency SIM card through its own NFC chip, send a response message to the digital currency security chip, and obtain the digital currency information of the transaction amount from the digital currency security chip.

[0110] Furthermore, if the short-range communication unit is Bluetooth, the mobile terminal can communicate with the Bluetooth device set up on the offline device via its own Bluetooth to send digital currency information to the offline device.

[0111] If the short-range communication unit is an NFC chip, the mobile terminal can communicate with the NFC chip set on the offline device through its own NFC chip and send digital currency information to the offline device.

[0112] Of course, the short-range communication unit can also be a chip using other communication methods, which will not be elaborated on in this specification.

[0113] In practical applications, commonly used SIM cards do not have digital currency security chips or NFC chips. Therefore, users need to purchase digital currency SIM cards. Since only a limited number of cities are pilot cities for digital currency, users cannot use digital currency SIM cards in cities outside of these pilot cities. Furthermore, some users may be involved in illegal activities or face the risk of fraud. Therefore, after the mobile terminal sends the business order to the business platform, the platform will determine the user's risk level. If the user's risk level does not meet the set conditions, the purchase request will be rejected.

[0114] In the embodiments described in this specification, the mobile terminal can send the user's business order to the business platform, which then determines the user's corresponding risk level. The order information in the business order mentioned here includes: the user's location and a pre-selected mobile phone number. The pre-selected mobile phone number can refer to the mobile phone number corresponding to the digital currency SIM card. The order information also includes a pre-selected bank, such as various commercial banks and state-owned banks.

[0115] Specifically, the business platform obtains user information, such as historical spending records and basic information, by using the mobile phone number used by the user to purchase the cryptocurrency SIM card. Based on this information, the platform determines the user's corresponding risk level.

[0116] Then, in response to the user's risk level meeting the set conditions, the business platform sends the business order to the mobile operator terminal, so that the mobile operator terminal can produce a digital currency SIM card according to the business order.

[0117] In practical applications, some users may need to pre-load digital currency into the security chip of their digital currency SIM card. Based on this, the order information can also include the pre-loaded digital currency amount, resulting in digital currency SIM cards with different pre-loaded amounts.

[0118] In the embodiments described in this specification, the mobile terminal can determine the amount of digital currency pre-charged to the digital currency SIM card in response to the user's risk level meeting set conditions. The pre-charged digital currency amount mentioned here may refer to digital currency information pre-stored in the digital currency security chip within the digital currency SIM card.

[0119] Then, the mobile terminal can send the digital currency amount to the server through the service platform, so that the server can send the corresponding digital currency information to the mobile operator terminal, so that the mobile operator terminal can create a digital currency SIM card based on the digital currency information.

[0120] It should be noted that if the pre-charged digital currency amount is 0, the digital currency SIM card can be delivered to the user according to the location in the business order via mail or other means. If the pre-charged digital currency amount is greater than 0, the user needs to pick up the digital currency SIM card offline or apply for it offline.

[0121] In practical applications, after receiving a digital currency SIM card, users need to verify their own information before activating the SIM card to prevent it from being used by others.

[0122] In the embodiments described in this specification, the mobile terminal can obtain the serial number corresponding to the digital currency SIM card and the user's verification information.

[0123] Secondly, the mobile terminal can send the serial number and the user's verification information to the mobile operator terminal corresponding to the digital currency SIM card, so as to activate the digital currency SIM card through the mobile operator terminal.

[0124] Specifically, users can scan the QR code attached to the digital currency SIM card to enter the activation process and complete the activation by following the instructions.

[0125] Furthermore, after activating the digital currency SIM card, users can open a real-name account that requires real-name verification or an anonymous account that requires a mobile phone number, depending on their own needs.

[0126] In the embodiments of this specification, the online account for digital currency includes at least one of the following: a first type of account and a second type of account.

[0127] If the online account is a Type I account, the mobile phone number corresponding to the digital currency SIM card and the user's real-name information are sent to the server so that the server can open a Type I account based on the mobile phone number corresponding to the digital currency SIM card and the user's real-name information. It can be seen that Type I accounts are real-name registered accounts.

[0128] In the process of transacting with merchants, the first type of account will send the account number of the first type of account and the real name information of the user to the merchant.

[0129] If the online account is a Type II account, the mobile phone number corresponding to the digital currency SIM card will be sent to the online banking terminal to activate the Type II account. It can be seen that the Type II account is an anonymous account.

[0130] In the case of transactions between the second type of account and the merchant, the second type of account will only send the account number of the second type of account to the merchant.

[0131] In the embodiments of this specification, the specific process of a user obtaining a digital currency SIM card and using the digital currency SIM card for transactions is as follows: Figure 3 As shown.

[0132] Figure 3 This document provides a flowchart illustrating the application of a digital currency SIM card.

[0133] exist Figure 3 In this process, the mobile terminal can send the user's business order to the business platform, which then determines the user's corresponding risk level. If the user's risk level meets the set conditions, the business platform sends the business order to the mobile operator's terminal, enabling the mobile operator's terminal to create a digital currency SIM card based on the business order.

[0134] Secondly, in response to business requests to execute online business, determine the transaction amount required to execute the online business.

[0135] Then, the mobile terminal can obtain the digital currency information corresponding to the transaction amount from the digital currency security chip.

[0136] Then, the mobile terminal can send digital currency information to the server, so that the server can execute online business based on the digital currency information.

[0137] Finally, the mobile terminal can receive the execution results returned by the server when executing online business, and update the digital currency stored in the digital currency security chip according to the execution results.

[0138] As can be seen from the above method, this method can obtain the cryptocurrency information corresponding to the transaction amount from the cryptocurrency security chip, send the cryptocurrency information to the server, and enable the server to execute online transactions based on the cryptocurrency information. This method can achieve the goal of obtaining the cryptocurrency information corresponding to the transaction amount from the cryptocurrency security chip for online payment.

[0139] The above describes one or more embodiments of the business processing methods provided in this specification. Based on the same idea, this specification also provides corresponding business processing devices, such as... Figure 4 As shown.

[0140] Figure 4 This is a schematic diagram of a business processing device provided in this specification. The device is applied to a mobile terminal, which has a digital currency SIM card installed. The digital currency SIM card includes a digital currency security chip, which stores the digital currency of a digital currency account, specifically including:

[0141] The response module 400 is used to respond to a business request to perform online business and determine the transaction amount required to perform the online business.

[0142] The acquisition module 402 is used to acquire digital currency information corresponding to the transaction amount from the digital currency security chip.

[0143] The execution module 404 is used to send the digital currency information to the server so that the server can execute the online business according to the digital currency information.

[0144] Optionally, the execution module 404 is further configured to receive the execution result returned by the server when executing the online business, and update the digital currency stored in the digital currency security chip according to the execution result.

[0145] Optionally, the digital currency SIM card also includes a near-field communication (NFC) chip.

[0146] The acquisition module 402 is specifically used to send a call instruction to the NFC chip according to the business request for executing online business, and send a data acquisition signal to the digital currency security chip through the invoked NFC chip to obtain the digital currency information, so that the digital currency security chip returns the digital currency information to the NFC chip according to the data acquisition signal, and obtains the digital currency information from the NFC chip.

[0147] Optionally, the acquisition module 402 is specifically configured to send a call instruction to the NFC chip according to the business request for executing online business, so that the NFC chip reads the program data stored in the NFC chip itself according to the call instruction, and sends a data acquisition signal to the digital currency security chip to acquire the digital currency information according to the program data, and acquires the digital currency information obtained by the NFC chip after parsing the acquired response signal according to the program data, wherein the response signal is returned by the digital currency security chip to the NFC chip after receiving the data acquisition signal.

[0148] Figure 5 This is a schematic diagram of another business processing device provided in this specification. The device is applied to a mobile terminal, which has a digital currency SIM card installed. The digital currency SIM card includes a digital currency security chip, which stores the digital currency of a digital currency account, specifically including:

[0149] The acquisition module 500 is used to acquire service requests sent by offline devices through a short-range communication unit and determine the transaction amount required to execute the offline service corresponding to the service request.

[0150] The deduction module 502 is used to send a deduction request carrying the transaction amount to the server, so that the server deducts the amount from the online account according to the transaction amount and returns a response message.

[0151] The module 504 is used to add the digital currency of the transaction amount to the digital currency account in the digital currency security chip according to the response message.

[0152] The sending module 506 is used to obtain the digital currency information of the transaction amount from the digital currency security chip, and send the digital currency information to the offline device through the short-range communication unit to execute the offline business.

[0153] Optionally, the short-range communication unit includes a near-field communication (NFC) chip, which is disposed in the digital currency SIM card.

[0154] The sending module 506 is specifically used to obtain the digital currency information of the transaction amount from the digital currency security chip through the NFC chip, and send the digital currency information to the offline device.

[0155] Optionally, the sending module 506 is further configured to send the user's business order to the business platform, determine the risk level corresponding to the user through the business platform, and, in response to the user's risk level meeting the set conditions, send the business order to the mobile operator terminal through the business platform, so that the mobile operator terminal can produce the digital currency SIM card according to the business order.

[0156] Optionally, the sending module 506 is further configured to, in response to the user's risk level meeting the set conditions, determine the amount of digital currency pre-charged in the digital currency SIM card, and send the digital currency amount to the server through the service platform, so that the server sends the digital currency information corresponding to the digital currency amount to the mobile operator terminal, so that the mobile operator terminal can create the digital currency SIM card based on the digital currency information.

[0157] This specification also provides a computer-readable storage medium storing a computer program that can be used to execute the above-described... Figure 1 The provided business processing methods and the above Figure 2 The business processing methods provided.

[0158] This instruction manual also provides Figure 6 The diagram shows a schematic structural representation of the electronic device. Figure 6 At the hardware level, the electronic device includes a processor, internal bus, network interface, memory, and non-volatile memory, and may also include other hardware required for the business operations. The processor reads the corresponding computer program from the non-volatile memory into memory and then runs it to achieve the above-mentioned functions. Figure 1 The business processing method and the above Figure 2 The provided business processing methods. Of course, in addition to software implementation, this specification does not exclude other implementation methods, such as logic devices or a combination of hardware and software, etc. In other words, the execution subject of the following processing flow is not limited to individual logic units, but can also be hardware or logic devices.

[0159] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many methodological improvements today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that a methodological improvement cannot be implemented using hardware physical modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program and "integrate" a digital system onto a PLD themselves, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0160] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0161] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0162] For ease of description, the above devices are described in terms of function, divided into various units. Of course, in implementing this specification, the functions of each unit can be implemented in one or more software and / or hardware components.

[0163] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0164] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0165] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0166] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0167] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0168] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0169] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0170] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0171] Those skilled in the art will understand that the embodiments of this specification can be provided as methods, systems, or computer program products. Therefore, this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0172] This specification can be described in the general context of computer-executable instructions that are executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a specific task or implement a specific abstract data type. This specification can also be practiced in distributed computing environments, where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0173] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0174] The above description is merely an embodiment of this specification and is not intended to limit this specification. Various modifications and variations can be made to this specification by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this specification should be included within the scope of the claims of this specification.

Claims

1. A business processing method, characterized in that, The method is applied to a mobile terminal, which is equipped with a digital currency SIM card and a first NFC chip. The digital currency SIM card includes a digital currency security chip and a second NFC chip. The digital currency security chip stores the digital currency of the digital currency account, including: In response to a business request to execute an online business, determine the transaction amount required to execute the online business; According to the business request to execute online business, the first NFC chip sends a call instruction to the second NFC chip, and the second NFC chip sends a data acquisition signal to the digital currency security chip to obtain the digital currency information, so that the digital currency security chip returns the digital currency information to the second NFC chip according to the data acquisition signal; The digital currency information is obtained from the second NFC chip through the first NFC chip; The digital currency information is sent to the server so that the server can execute the online business based on the digital currency information.

2. The business processing method as described in claim 1, characterized in that, The method further includes: Receive the execution result returned by the server when executing the online service; Based on the execution result, the digital currency stored in the digital currency security chip is updated.

3. The business processing method as described in claim 1, characterized in that, Based on the business request to execute online services, a call command is sent from the first NFC chip to the second NFC chip, and the called NFC chip sends a data acquisition signal to the digital currency security chip for obtaining the digital currency information, specifically including: According to the business request to execute online business, the first NFC chip sends a call instruction to the second NFC chip, so that the second NFC chip reads the program data stored in the second NFC chip itself according to the call instruction, and sends a data acquisition signal to the digital currency security chip to obtain the digital currency information according to the program data; Obtaining the digital currency information from the second NFC chip via the first NFC chip specifically includes: The digital currency information is obtained from the second NFC chip by the first NFC chip after the second NFC chip parses the obtained response signal according to the program data. The response signal is returned by the digital currency security chip to the second NFC chip after receiving the data acquisition signal.

4. A business processing method, characterized in that, The method is applied to a mobile terminal, which is equipped with a digital currency SIM card and a first NFC chip. The digital currency SIM card includes a digital currency security chip and a second NFC chip. The digital currency security chip stores the digital currency of the digital currency account, including: The second NFC chip obtains the service request sent by the offline device from the first NFC chip, and determines the transaction amount required to execute the offline service corresponding to the service request; A deduction request carrying the transaction amount is sent to the server, so that the server deducts the amount from the online account based on the transaction amount and returns a response message; According to the response message, the digital currency amount of the transaction is added to the digital currency account in the digital currency security chip; The digital currency information of the transaction amount is obtained from the digital currency security chip through the second NFC chip, and the digital currency information is sent to the offline device through the first NFC chip to execute the offline business.

5. The business processing method as described in claim 4, characterized in that, The method further includes: The user's business order is sent to the business platform, and the risk level corresponding to the user is determined through the business platform; In response to the user's risk level meeting the set conditions, the service order is sent to the mobile operator terminal through the service platform, so that the mobile operator terminal can produce the digital currency SIM card according to the service order.

6. The business processing method as described in claim 5, characterized in that, In response to the user's risk level meeting the set conditions, the service order is sent to the mobile operator terminal, specifically including: In response to the user's risk level meeting the set conditions, the amount of digital currency pre-charged in the digital currency SIM card is determined; The digital currency amount is sent to the server through the business platform, so that the server sends the digital currency information corresponding to the digital currency amount to the mobile operator terminal, so that the mobile operator terminal can create the digital currency SIM card based on the digital currency information.

7. A business processing device, characterized in that, The device is applied to a mobile terminal, which is equipped with a digital currency SIM card and a first NFC chip. The digital currency SIM card includes a digital currency security chip and a second NFC chip. The digital currency security chip stores the digital currency of a digital currency account, including: The response module is used to respond to a business request to execute an online business and determine the transaction amount required to execute the online business. The acquisition module is used for: According to the business request to execute online business, the first NFC chip sends a call instruction to the second NFC chip, and the second NFC chip sends a data acquisition signal to the digital currency security chip to obtain the digital currency information, so that the digital currency security chip returns the digital currency information to the second NFC chip according to the data acquisition signal; The digital currency information is obtained from the second NFC chip through the first NFC chip; An execution module is used to send the digital currency information to the server so that the server can execute the online business based on the digital currency information.

8. A business processing apparatus, characterized in that, The device is applied to a mobile terminal, which is equipped with a digital currency SIM card and a first NFC chip. The digital currency SIM card includes a digital currency security chip and a second NFC chip. The digital currency security chip stores the digital currency of a digital currency account, including: The acquisition module is used to acquire a service request sent by an offline device from the first NFC chip through the second NFC chip, and determine the transaction amount required to execute the offline service corresponding to the service request; The deduction module is used to send a deduction request carrying the transaction amount to the server, so that the server deducts the amount from the online account according to the transaction amount and returns a response message; An adding module is used to add the digital currency of the transaction amount to the digital currency account in the digital currency security chip according to the response message; The sending module is used to obtain the digital currency information of the transaction amount from the digital currency security chip through the second NFC chip, and send the digital currency information to the offline device through the first NFC chip to execute the offline business.

9. A computer-readable storage medium, characterized in that, The storage medium stores a computer program, which, when executed by a processor, implements the business processing method described in any one of claims 1 to 6.

10. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the program, it implements the business processing method according to any one of claims 1 to 6.

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