Payment method, apparatus and system based on digital currency

Abstract

The application discloses a payment method, device and system based on digital currency, and relates to the technical field of computers. A specific embodiment of the method comprises: in response to a payment confirmation instruction generated according to a first operation of a user in a virtual reality scene, obtaining and displaying a sub-wallet list bound with a merchant system, the sub-wallet list being used for enabling the user to select a payment sub-wallet for payment from the sub-wallet list; generating a payment request according to a payment sub-wallet selected by the user through a second operation in the virtual reality scene, the payment request comprising a payment sub-wallet identifier; and sending the payment request to the merchant system, the payment request being used for enabling the merchant system to query a payment mark of the payment sub-wallet according to the payment sub-wallet identifier, and enabling the merchant system to interact with a currency operation institution according to the payment mark to complete payment. The embodiment can realize fast, simple and safe payment while guaranteeing the payment experience of the user.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and in particular to a payment method, apparatus and system based on digital currency. Background Technology

[0002] Virtual reality (VR) uses computer simulation to create a three-dimensional virtual world, providing users with a completely new simulated world based on visual senses. Users feel immersed and can observe and interact with items in the virtual world anytime, anywhere. Currently, VR technology has mature applications in many fields. For example, in VR shopping scenarios, users enter a virtual shopping mall through VR glasses and with the support of smart devices such as mobile phones and computers. They can conveniently obtain desired goods without leaving home and see the products from all angles, greatly improving the user's shopping experience. Ultimately, VR shopping involves payment. Currently, there are two payment interaction methods: one requires the user to end the VR experience, remove the VR device, and pay using traditional QR code scanning or being scanned to activate payment software; the other requires the user to input payment information (such as a payment password) using a virtual keyboard or other input components in the virtual environment.

[0003] In the process of realizing this invention, the inventors discovered at least the following problems in the prior art:

[0004] The first payment method requires payment outside the virtual environment, interrupting the user's immersive experience. The payment process is cumbersome and the payment experience is poor. The second payment method is also not user-friendly because it requires time to operate virtual keyboards and other input components to enter payment information. It also poses security risks. Summary of the Invention

[0005] In view of this, embodiments of the present invention provide a payment method, apparatus and system based on digital currency, which can achieve fast, convenient and secure payment while ensuring the user's payment experience.

[0006] To achieve the above objectives, according to one aspect of the present invention, a payment method based on digital currency is provided, comprising:

[0007] In response to a payment confirmation instruction generated based on the user's first operation in a virtual reality scene, a list of sub-wallets bound to the merchant system is obtained and displayed, wherein the sub-wallet list is used to enable the user to select a payment sub-wallet for payment from the sub-wallet list;

[0008] A payment request is generated based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, the payment request including a payment sub-wallet identifier;

[0009] The payment request is sent to the merchant system, which enables the merchant system to query the payment token of the payment sub-wallet based on the payment sub-wallet identifier, and interact with the currency operating institution based on the payment token to complete the payment.

[0010] Optionally, it further includes: in response to an order creation instruction generated based on the user's third operation in the virtual reality scene, sending an order creation request to the merchant system; receiving and displaying order information returned by the merchant system, so that the user generates the payment confirmation instruction by performing the first operation in the virtual reality scene based on the order information.

[0011] Optionally, the order information includes a payment amount; and generating a payment request based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene includes: generating the payment request based on the payment sub-wallet identifier of the payment sub-wallet selected by the user through the second operation in the virtual reality scene and the payment amount.

[0012] Optionally, the currency operating institution includes a collection operating institution and a payment operating institution; the step of interacting with the currency operating institution based on the payment token to complete the payment includes: generating a collection request message based on the payment token and the payment request; sending the collection request message to the collection operating institution corresponding to the merchant system, wherein the collection request message is used to enable the collection operating institution to interact with the payment operating institution based on the collection request message to complete the payment.

[0013] Optionally, the payment request message includes the payment sub-wallet identifier, the merchant system's payment wallet identifier, the payment amount, and the payment token.

[0014] Optionally, the binding of the sub-wallet and the merchant system is performed by the digital currency wallet in the following manner: obtaining the account information of the merchant system to be bound to the digital currency wallet; generating a sub-wallet opening request after the payment password of the digital currency wallet is verified; sending the sub-wallet opening request to the payment tokenization management platform, so that the payment tokenization management platform generates a sub-wallet associated with the merchant system and the account information and the payment token of the sub-wallet according to the sub-wallet opening request, thereby completing the binding of the sub-wallet and the merchant system.

[0015] According to another aspect of the present invention, a payment device based on digital currency is provided, comprising:

[0016] The sub-wallet acquisition module is used to acquire and display a list of sub-wallets bound to the merchant system in response to a payment confirmation instruction generated based on the user's first operation in the virtual reality scene. The sub-wallet list is used to allow the user to select a payment sub-wallet for payment from the sub-wallet list.

[0017] A payment request generation module is configured to generate a payment request based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, the payment request including a payment sub-wallet identifier;

[0018] The sub-wallet payment module is used to send the payment request to the merchant system. The payment request enables the merchant system to query the payment token of the payment sub-wallet based on the payment sub-wallet identifier, and interact with the currency operating institution based on the payment token to complete the payment.

[0019] According to another aspect of the present invention, a payment system based on digital currency is provided, comprising:

[0020] A payment control is configured to, in response to a payment confirmation instruction generated based on a user's first operation in a virtual reality scene, acquire and display a list of sub-wallets bound to a merchant system, wherein the sub-wallet list allows the user to select a payment sub-wallet for payment from the list; generate a payment request based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, wherein the payment request includes a payment sub-wallet identifier; and send the payment request to the merchant system.

[0021] The merchant system is used to send a list of sub-wallets bound to the merchant system to the payment control; receive payment requests sent by the payment control to the merchant system; query the payment token of the payment sub-wallet according to the payment sub-wallet identifier; and interact with the monetary operating institution according to the payment token to complete the payment.

[0022] Optionally, the payment control is further configured to: send an order creation request to the merchant system in response to an order creation instruction generated by the user in the virtual reality scene based on a third operation; receive and display order information returned by the merchant system, so that the user generates the payment confirmation instruction by performing the first operation in the virtual reality scene based on the order information; the merchant system is further configured to: create an order based on the order creation request and return the order information to the payment control.

[0023] Optionally, the order information includes a payment amount; the payment control is further configured to generate the payment request based on the payment sub-wallet identifier of the payment sub-wallet selected by the user through a second operation in the virtual reality scene and the payment amount.

[0024] Optionally, the system further includes a currency operating institution, which includes a collection operating institution and a payment operating institution; the merchant system is further configured to: generate a collection request message based on the payment token and the payment request, and send the collection request message to the collection operating institution corresponding to the merchant system; the collection operating institution is configured to: interact with the payment operating institution based on the collection request message to complete the payment.

[0025] Optionally, the payment request message includes the payment sub-wallet identifier, the merchant system's payment wallet identifier, the payment amount, and the payment token.

[0026] Optionally, the system further includes a digital currency wallet and a payment tokenization management platform, wherein the digital currency wallet is used to: obtain the account information of the merchant system to be bound to the digital currency wallet; generate a sub-wallet opening request if the payment password of the digital currency wallet is verified; and send the sub-wallet opening request to the payment tokenization management platform; the payment tokenization management platform is used to: generate a sub-wallet associated with the merchant system and the account information and a payment token for the sub-wallet according to the sub-wallet opening request, thereby completing the binding of the sub-wallet and the merchant system.

[0027] According to another aspect of the present invention, an electronic device is provided, comprising: one or more processors; and a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the digital currency-based payment method provided in the embodiments of the present invention.

[0028] According to another aspect of the present invention, a computer-readable medium is provided having a computer program stored thereon, which, when executed by a processor, implements the digital currency-based payment method provided in the embodiments of the present invention.

[0029] One embodiment of the above invention has the following advantages or beneficial effects: By responding to a payment confirmation instruction generated based on a user's first operation in a virtual reality scene, obtaining and displaying a list of sub-wallets bound to the merchant system, the sub-wallet list is used for the user to select a payment sub-wallet for payment from the list; generating a payment request based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, the payment request including a payment sub-wallet identifier; sending the payment request to the merchant system, the payment request being used for the merchant system to query the payment token of the payment sub-wallet based on the payment sub-wallet identifier, and interacting with the monetary operating institution based on the payment token to complete the payment, the technical solution realizes payment based on payment tokens, allowing the use of digital currency for payment without interrupting the user's immersive experience in the virtual world, and actively authorizing the binding of the payment capability of the digital currency wallet to a certain account in the merchant system so that the user can use this wallet for payment on this merchant system, thereby achieving fast, convenient, and secure payment while ensuring the user's payment experience.

[0030] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0031] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0032] Figure 1 This is a system architecture diagram for virtual reality payment;

[0033] Figure 2 This is a schematic diagram illustrating the main steps of a digital currency-based payment method according to an embodiment of the present invention;

[0034] Figure 3 This is a schematic diagram illustrating the binding process between a sub-wallet and a merchant system according to an embodiment of the present invention;

[0035] Figure 4 This is a schematic diagram of a virtual reality payment process according to an embodiment of the present invention;

[0036] Figure 5 This is a schematic diagram of the main modules of a digital currency-based payment device according to an embodiment of the present invention;

[0037] Figure 6 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0038] Figure 7 This is a schematic diagram of the structure of a computer system suitable for implementing terminal devices or servers of the present invention. Detailed Implementation

[0039] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0040] The acquisition, storage, use, and processing of data in the technical solution of this invention all comply with the relevant provisions of national laws and regulations.

[0041] Because existing technologies for making payments in virtual reality environments are not user-friendly and pose security risks, this invention provides a payment method based on digital currency. This method allows users to make payments using digital currency without interrupting their immersive experience in the virtual world. It involves actively authorizing the binding of a digital currency wallet's payment capabilities to a merchant's account, enabling the user to make payments using that wallet on that merchant's system.

[0042] Digital currency sub-wallet payment technology (payment tokenization) is the process of digitizing a wallet storing digital currency into multiple independent digital payment methods using a unique payment token. In electronic payment consumption, payment tokenization replaces the main account of the digital wallet with a unique payment token (associated with the main account of the payment digital wallet), while ensuring that the payment token is restricted to use within a specific merchant system and channel. During the payment transaction, the payment token replaces the payment wallet account information, enhancing transaction security without affecting transaction processing, and is commonly used for small-amount password-free payments on the merchant side. However, in existing payment scenarios, users initiate the process of applying for payment tokens on the merchant side when they have a consumption intention or demand; there is a lack of a method that allows users to initiate payments from the payment wallet side, actively select different merchant systems to establish tokenized payment relationships, and centrally manage tokenized payment relationships. To solve this problem, the payment method of this invention allows users to initiate payments from the payment wallet side, actively select different merchant systems to establish payment relationships, and, from the perspective of payment wallet asset management, actively establish, adjust, or cancel payment token relationships on behalf of the wallet.

[0043] The payment token is already bound to the necessary payment information (such as merchant and merchant system information, merchant system account information, payment wallet information, etc.). After the payment token is pushed to the merchant's merchant system, password-free payment can be made throughout the entire payment process on the merchant's terminal. Combined with the VR virtual world, after selecting goods, users can select the goods they want to buy through gazing and other selection operations and choose to use the payment token technology to complete the payment.

[0044] Figure 1 This is a system architecture diagram for virtual reality payment. (Example) Figure 1 As shown, the VR headset collects the user's left and right eye movements, as well as head movements and orientation data. A microphone also collects the user's voice data. The collected left and right eye movement data is converted into data that the computer system can recognize and process, the head movement and orientation data are converted into data by a position and direction tracker, and the voice data is converted into data by an audio signal converter. This data is then transmitted to the computer system through its graphics interface, I / O interface, and audio interface. The computer system includes security modules, access control modules, and VR payment controls associated with the VR shopping software. These modules process the data transmitted to the computer system, enabling virtual reality payment.

[0045] Typically, panoramic virtual reality methods based on panoramic images can construct a highly realistic virtual world with a smoother interactive experience. Using a series of 360° horizontal panoramic environmental images and videos as input materials, combined with algorithms to calculate and reconstruct 3D models, the surrounding virtual environment information can be effectively displayed to the user within their field of view. If movement is required in VR payment scenarios, a game engine is also needed to render the 3D model in real time.

[0046] This invention employs panoramic images and videos to construct the payment environment, and utilizes 3D modeling technology to build a virtual shopping environment, payment page, sub-wallet payment list page, etc.

[0047] The following steps are required in total:

[0048] (1) After thorough research, output the requirements for VR payment scenarios, scene switching, human-computer interaction, etc.;

[0049] (2) Shoot and edit panoramic videos and panoramic images of payment scenario-related elements (environment, goods, payment wallets, and other visual materials) based on product documents;

[0050] (3) Create 3D models, interactive animations, and image resources for 2D interfaces in VR;

[0051] (4) Implement the interactive logic through programming and output the VR payment product;

[0052] (5) Conduct actual experience testing of the shopping payment VR scenario to improve the experience.

[0053] Based on the above VR modeling solution, users will break through the limitations of time and space, freely move and interact in the constructed virtual scene, experience the characteristics of the product from a 360-degree perspective, and perform a series of actions in a real environment, greatly enhancing the online virtual shopping experience.

[0054] To better implement the payment method of this invention, this invention provides a VR payment system, which consists of several parts: VR payment controls, a central bank TSP platform (payment tokenization management platform), a merchant system, and a bank payment system.

[0055] (1) VR payment control: used to enable consumers to select goods and initiate transactions by selecting the corresponding payment sub-wallet in a VR scene;

[0056] (2) Central Bank TSP Platform: Provides payment tokenization services to merchants' merchant systems and operating institutions, maps and stores payment information and provides query services to the outside world;

[0057] (3) Merchant system: Provides services for initiating encrypted payment requests;

[0058] (4) Bank payment system: provides secure fund transfer services, including collection operation institutions, payment operation institutions, etc.

[0059] The following specific embodiments illustrate how the present invention performs payment processing based on the VR payment environment and VR payment system modeled above.

[0060] Figure 2 This is a schematic diagram illustrating the main steps of a digital currency-based payment method according to an embodiment of the present invention. Figure 2 As shown, the payment method based on digital currency in this embodiment of the invention is executed by a VR payment control, and mainly includes the following steps S201 to S203.

[0061] Step S201: In response to the payment confirmation instruction generated based on the user's first action in the virtual reality scene, obtain and display a list of sub-wallets bound to the merchant system. This sub-wallet list allows the user to select a payment sub-wallet from the list. Before performing this step, the sub-wallets and the merchant system must be bound. The user's first action in the virtual reality scene includes, but is not limited to, VR operation selection methods such as gazing for a specified duration or blinking a specified number of times.

[0062] According to one embodiment of the present invention, the binding of a sub-wallet and a merchant system is performed by a digital currency wallet in the following manner: obtaining the account information of the merchant system to be bound to the digital currency wallet; generating a sub-wallet opening request after the payment password of the digital currency wallet is verified; sending the sub-wallet opening request to a payment tokenization management platform, so that the payment tokenization management platform generates a sub-wallet associated with the merchant system and the account information and a payment token for the sub-wallet based on the sub-wallet opening request, thereby completing the binding of the sub-wallet and the merchant system. Specifically, when obtaining the account information of the merchant system to be bound to the digital currency wallet, a list of merchants that can be bound to the digital currency wallet can be obtained first; then, the merchant selected by the user from the merchant list can be received. When selecting a merchant, multiple merchants or multiple consumer accounts of the same merchant can be selected; subsequently, the account information of the transaction account of each merchant or the transaction account of each consumer account is queried to generate a sub-wallet bound to the merchant system account. When verifying the payment password of a digital currency wallet, the password is sent to the operating institution to which the wallet belongs for verification. Upon successful verification, a sub-wallet opening request is generated and sent to the payment tokenization management platform. If verification fails, no further processing is required. The payment tokenization management platform generates a sub-wallet associated with the merchant system and its account information, along with a corresponding payment token. It then sends the sub-wallet and its payment token to the digital currency wallet, the operating institution connected to the merchant, and the merchant system. The merchant system sends a notification to the user through its app, indicating that the sub-wallet and merchant system binding has been completed. Subsequently, when users engage in VR shopping through the merchant's VR shopping software terminal, they can use the sub-wallet already bound to the merchant system for payment without exiting the VR scene, improving the user's payment experience. The payment process is simple, efficient, and secure. The merchant system provides the logic for triggering the sub-wallet and payment token to initiate payment through the key VR shopping terminal.

[0063] Figure 3 This is a schematic diagram illustrating the binding process between a sub-wallet and a merchant system according to an embodiment of the present invention. Figure 3 As shown, in this embodiment, the binding process between the sub-wallet and the merchant system is mainly as follows:

[0064] Step 1: The user sends a merchant list retrieval request to the digital currency wallet through the digital currency wallet client;

[0065] Step 2: The digital currency wallet receives a merchant list retrieval request, obtains a list of merchants that can be bound to the digital currency wallet, and returns it to the user. Merchants that can be bound to the digital currency wallet refer to merchants that have partnered with the digital currency wallet system. Merchants partner with the digital currency wallet system by connecting to an operating institution, and each merchant has a connected operating institution. The obtained merchant list can be sorted or categorized according to certain rules before being returned. These rules can be flexibly set according to business needs.

[0066] Step 3: The user selects the merchant to be bound and the user's digital currency wallet, and sends it to the digital currency wallet. The user can select multiple merchants for batch binding, or select multiple consumer accounts of the same merchant for binding.

[0067] Step 4: For each merchant selected by the user and each transaction account of that merchant, the digital currency wallet queries the account information of the corresponding transaction account. Specifically, the digital currency wallet sends an account information query request to the operating institution to which the wallet belongs, which then forwards it to the merchant system to retrieve the account information. After that, the merchant system returns the account information to the operating institution to which the wallet belongs, and the operating institution then returns it to the digital currency wallet.

[0068] Step 5: The digital currency wallet requests the user to enter the payment password for the digital currency wallet;

[0069] Step 6: The user sends the encrypted payment password of the digital currency wallet to the digital currency wallet through the digital currency wallet client;

[0070] Step 7: The digital currency wallet generates a verification request based on the payment password and sends the verification request to the operating institution to which the wallet belongs;

[0071] Step 8: The operating institution of the wallet verifies the payment password and returns the verification result to the digital currency wallet;

[0072] Step 9: If the verification is successful, the digital currency wallet generates a sub-wallet opening request to request the opening of a sub-wallet associated with the merchant system and its account information, and sends the sub-wallet opening request to the payment tokenization management platform.

[0073] Step 10: The payment tokenization management platform generates a sub-wallet and its payment token based on the sub-wallet opening request to complete the binding of the sub-wallet with the merchant system and its account information. Then, the sub-wallet and its payment token are sent to the digital currency wallet, the operator accessing the merchant, and the merchant system.

[0074] Step 11: The merchant system sends a notification to the user that the sub-wallet has been successfully bound. Specifically, the user can view the notification by accessing the merchant's application APP client.

[0075] According to one embodiment of the present invention, when a user engages in VR shopping through a merchant's VR shopping software terminal, the user activates and logs into the merchant's VR-related devices and software, enters a virtual world, and selects goods in a virtual world constructed using real-world items as 3D models. The user can select goods using VR operations such as gazing. Before paying for the selected goods, an order can be created based on the selected goods for payment and to generate a payment confirmation instruction. Specifically, the VR payment control, in response to an order creation instruction generated by the user's third operation in the virtual reality scene, sends an order creation request to the merchant system; it receives and displays the order information returned by the merchant system, enabling the user to perform a first operation in the virtual reality scene based on the order information to generate a payment confirmation instruction. Specifically, the user verifies the product information and payment amount based on the order information, and after successful verification, selects to confirm payment through VR operations such as gazing. The VR payment control generates a payment confirmation instruction based on the user's VR operations such as gazing. Furthermore, based on the payment confirmation instruction, a list of sub-wallets bound to the merchant system is obtained and displayed so that the user can select the payment sub-wallet for payment. Among them, the third operation of the user in the virtual reality scene includes, but is not limited to, VR operation selection methods such as gazing for a specified duration, blinking a specified number of times, and voice input.

[0076] Step S202: Generate a payment request based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene. The payment request includes a payment sub-wallet identifier. As described in the previously introduced embodiments, the order information includes the payment amount. Furthermore, according to an embodiment of the present invention, when generating a payment request based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, specifically, the payment request is generated based on the payment sub-wallet identifier and the payment amount selected by the user through the second operation in the virtual reality scene. The user's second operation in the virtual reality scene includes, but is not limited to, VR operation selection methods such as gazing for a specified duration or blinking a specified number of times.

[0077] Step S203: Send a payment request to the merchant system. The payment request enables the merchant system to query the payment token of the payment sub-wallet based on the payment sub-wallet identifier, and interact with the monetary operator based on the payment token to complete the payment.

[0078] According to embodiments of the present invention, a currency operating institution includes a collection operating institution and a payment operating institution. When making digital currency payments, processing is required through a digital currency application institution. Specifically, the interaction with the currency operating institution based on the payment token to complete the payment may include: generating a collection request message based on the payment token and payment request; sending the collection request message to the collection operating institution corresponding to the merchant system; the collection request message enables the collection operating institution to interact with the payment operating institution to complete the payment. After sending the payment request to the merchant system, the merchant system obtains the corresponding collection operating institution based on its account information, and then sends the collection request message to the collection operating institution, enabling the collection operating institution to interact with the payment operating institution to complete the payment. The payment operating institution can be determined based on the payment sub-wallet identifier. In embodiments of the present invention, the collection request message includes the payment sub-wallet identifier, the merchant's collection wallet identifier, the payment amount, and the payment token.

[0079] Figure 4 This is a schematic diagram of a virtual reality payment process according to an embodiment of the present invention. In this embodiment, the receiving operation institution and the payment operation institution can be the same or different. When the receiving operation institution and the payment operation institution are different institutions, data interaction between the two institutions can be facilitated through an intermediary platform. Figure 4 As shown, in an embodiment of the present invention, the receiving operation institution and the payment operation institution are different institutions, and the intermediary platform is omitted. In a VR scenario, the virtual reality payment process mainly includes the following steps:

[0080] Step 1: After the user selects a product through the VR payment control, an order generation request is sent to the merchant system;

[0081] Step 2: The merchant system generates an order and returns the order information to the VR payment control for display. The order information includes the payment amount.

[0082] Step 3: After the user confirms the order information, in the VR environment, gaze and select to confirm payment;

[0083] Step 4: The VR payment control generates a payment confirmation instruction based on the user's payment confirmation operation, and obtains and displays the list of sub-wallets bound to the merchant system based on the payment confirmation instruction;

[0084] Step 5: The user selects the payment sub-wallet for payment in the VR environment and sends it to the VR payment control;

[0085] Step 6: The VR payment control generates a payment request based on the payment sub-wallet identifier and payment amount, and sends the payment request to the merchant system;

[0086] Step 7: The merchant system obtains the corresponding payment token based on the payment sub-wallet identifier in the payment request;

[0087] Step 8: The merchant system generates a payment request message based on the payment sub-wallet identifier, payment amount, payment token, and merchant system receiving wallet identifier included in the payment request.

[0088] Step 9: The merchant system sends the payment request message to the payment operation institution, which is identified by the payment wallet identifier.

[0089] Step 10: The collection operation institution parses the collection request message, determines the payment operation institution based on the payment sub-wallet identifier, and then forwards the collection request message to the payment operation institution.

[0090] Step 11: The payment operation institution verifies the payment based on the sub-wallet identifier and payment token in the payment request message. After successful verification, the payment sub-wallet balance is deducted, and the payment result is returned to the payment operation institution.

[0091] Step 12: The payment operator increases the balance in the payment wallet and returns the payment result to the merchant system;

[0092] Step 13: The merchant system returns the payment result to the VR payment control and displays it to the user.

[0093] According to the technical solution of the present invention, in order to realize the above-mentioned virtual reality payment method, the present invention provides a payment system based on digital currency, mainly including a payment control and a merchant system. The payment control is used to, in response to a payment confirmation instruction generated by a user's first operation in a virtual reality scene, acquire and display a list of sub-wallets bound to the merchant system, the sub-wallet list being used by the user to select a payment sub-wallet for payment from the list; generate a payment request based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, the payment request including a payment sub-wallet identifier; and send the payment request to the merchant system. The merchant system is used to send a list of sub-wallets bound to the merchant system to the payment control; receive the payment request sent by the payment control to the merchant system; query the payment token of the payment sub-wallet based on the payment sub-wallet identifier; and interact with the monetary institution based on the payment token to complete the payment.

[0094] According to one embodiment of the present invention, the payment control is further configured to: send an order creation request to the merchant system in response to an order creation instruction generated by the user in the virtual reality scene based on a third operation; receive and display order information returned by the merchant system, so that the user generates the payment confirmation instruction by performing the first operation in the virtual reality scene based on the order information; the merchant system is further configured to: create an order based on the order creation request and return the order information to the payment control.

[0095] According to another embodiment of the present invention, the order information includes a payment amount; the payment control is further configured to: generate the payment request based on the payment sub-wallet identifier of the payment sub-wallet selected by the user through a second operation in the virtual reality scene and the payment amount.

[0096] According to another embodiment of the present invention, the system further includes a currency operating institution, which includes a collection operating institution and a payment operating institution; the merchant system is further configured to: generate a collection request message based on the payment token and the payment request, and send the collection request message to the collection operating institution corresponding to the merchant system; the collection operating institution is configured to: interact with the payment operating institution based on the collection request message to complete the payment.

[0097] According to another embodiment of the present invention, the payment request message includes the payment sub-wallet identifier, the merchant system's payment wallet identifier, the payment amount, and the payment token.

[0098] According to another embodiment of the present invention, the system further includes a digital currency wallet and a payment tokenization management platform, wherein the digital currency wallet is used to: obtain account information of a merchant system to be bound to the digital currency wallet; generate a sub-wallet opening request if the payment password of the digital currency wallet is verified; and send the sub-wallet opening request to the payment tokenization management platform; the payment tokenization management platform is used to: generate a sub-wallet associated with the merchant system and the account information and a payment token of the sub-wallet according to the sub-wallet opening request, thereby completing the binding of the sub-wallet and the merchant system.

[0099] According to another aspect of the present invention, a payment device based on digital currency is provided. Figure 5 This is a schematic diagram of the main modules of a digital currency-based payment device according to an embodiment of the present invention. Figure 5 As shown, the digital currency-based payment device 500 of this embodiment mainly includes a sub-wallet acquisition module 501, a payment request generation module 502, and a sub-wallet payment module 503.

[0100] The sub-wallet acquisition module 501 is used to acquire and display a list of sub-wallets bound to the merchant system in response to a payment confirmation instruction generated based on the user's first operation in the virtual reality scene. The sub-wallet list is used to enable the user to select a payment sub-wallet for payment from the sub-wallet list.

[0101] The payment request generation module 502 is used to generate a payment request based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, the payment request including a payment sub-wallet identifier;

[0102] The sub-wallet payment module 503 is used to send the payment request to the merchant system. The payment request enables the merchant system to query the payment token of the payment sub-wallet based on the payment sub-wallet identifier, and to interact with the currency operating institution based on the payment token to complete the payment.

[0103] According to one embodiment of the present invention, the digital currency-based payment device 500 further includes an order creation payment module (not shown in the figure), configured to: send an order creation request to the merchant system in response to an order creation instruction generated by the user in the virtual reality scene based on a third operation; receive and display order information returned by the merchant system, so that the user generates the payment confirmation instruction by performing the first operation in the virtual reality scene based on the order information.

[0104] According to another embodiment of the present invention, the order information includes a payment amount; and the payment request generation module 502 can also be used to generate the payment request based on the payment sub-wallet identifier of the payment sub-wallet selected by the user through a second operation in the virtual reality scene and the payment amount.

[0105] According to another embodiment of the present invention, the currency operating institution includes a collection operating institution and a payment operating institution; the step of interacting with the currency operating institution based on the payment token to complete the payment includes: generating a collection request message based on the payment token and the payment request; sending the collection request message to the collection operating institution corresponding to the merchant system, wherein the collection request message is used to enable the collection operating institution to interact with the payment operating institution based on the collection request message to complete the payment.

[0106] According to another embodiment of the present invention, the payment request message includes the payment sub-wallet identifier, the merchant system's payment wallet identifier, the payment amount, and the payment token.

[0107] According to another embodiment of the present invention, the binding of the sub-wallet and the merchant system is performed by the digital currency wallet in the following manner: obtaining the account information of the merchant system to be bound to the digital currency wallet; generating a sub-wallet opening request if the payment password of the digital currency wallet is verified; sending the sub-wallet opening request to the payment tokenization management platform, so that the payment tokenization management platform generates a sub-wallet associated with the merchant system and the account information and a payment token of the sub-wallet according to the sub-wallet opening request, thereby completing the binding of the sub-wallet and the merchant system.

[0108] According to the technical solution of the present invention, in response to a payment confirmation instruction generated by a user in a virtual reality scene, a list of sub-wallets bound to a merchant system is obtained and displayed. The sub-wallet list allows the user to select a payment sub-wallet for payment. A payment request is generated based on the payment sub-wallet selected by the user in a second operation in the virtual reality scene. The payment request includes a payment sub-wallet identifier. The payment request is sent to the merchant system, which allows the merchant system to query the payment token of the payment sub-wallet based on the payment sub-wallet identifier and interact with the monetary institution based on the payment token to complete the payment. This technical solution enables payment based on payment tokens, allowing the use of digital currency for payment without interrupting the user's immersive experience in the virtual world. It also proactively authorizes the binding of the payment capability of the digital currency wallet to a specific account in the merchant system, so that the user can use this wallet for payment on this merchant system. Thus, while ensuring the user's payment experience, it achieves fast, convenient, and secure payment.

[0109] Figure 6 An exemplary system architecture 600 is shown that can be applied to a digital currency-based payment method or a digital currency-based payment device according to embodiments of the present invention.

[0110] like Figure 6 As shown, system architecture 600 may include terminal devices 601, 602, and 603, a network 604, and a server 605. Network 604 serves as the medium for providing communication links between terminal devices 601, 602, and 603 and server 605. Network 604 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0111] Users can use terminal devices 601, 602, and 603 to interact with server 605 via network 604 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 601, 602, and 603, such as shopping applications, web browser applications, VR experience applications, banking clients, digital currency wallets, etc. (for example only).

[0112] Terminal devices 601, 602, and 603 can be various electronic devices with displays and web browsing capabilities, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0113] Server 605 can be a server providing various services, such as a backend management server supporting shopping websites browsed by users using terminal devices 601, 602, and 603 (for example only). The backend management server can acquire and display a list of sub-wallets bound to the merchant system, including payment confirmation instructions generated by the user's first operation in the virtual reality scene. This sub-wallet list allows the user to select a payment sub-wallet for payment through a second operation in the virtual reality scene. A payment request is generated based on the user's selected payment sub-wallet, including a payment sub-wallet identifier. The payment request is sent to the merchant system, enabling the merchant system to query the payment token of the payment sub-wallet based on the payment sub-wallet identifier, interact with the monetary institution based on the payment token to complete the payment process, and then feed back the processing result (e.g., payment result – for example only) to the terminal device.

[0114] It should be noted that the payment method based on digital currency provided in this embodiment of the invention is generally executed by server 605, and correspondingly, the payment device based on digital currency is generally set in server 605.

[0115] It should be understood that Figure 6 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0116] The following is for reference. Figure 7 It shows a schematic diagram of the structure of a computer system 700 suitable for implementing terminal devices or servers of the present invention. Figure 7 The terminal device or server shown is merely an example and should not impose any limitation on the functionality and scope of use of the embodiments of the present invention.

[0117] like Figure 7 As shown, the computer system 700 includes a central processing unit (CPU) 701, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 702 or programs loaded from storage section 708 into random access memory (RAM) 703. The RAM 703 also stores various programs and data required for the operation of the system 700. The CPU 701, ROM 702, and RAM 703 are interconnected via a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0118] The following components are connected to the I / O interface 705: an input section 706 including a keyboard, mouse, etc.; an output section 707 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as needed. A removable medium 711, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 710 as needed so that computer programs read from it can be installed into the storage section 708 as needed.

[0119] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 709, and / or installed from removable medium 711. When the computer program is executed by central processing unit (CPU) 701, it performs the functions defined above in the system of this invention.

[0120] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a 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, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0121] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0122] The units or modules described in the embodiments of the present invention can be implemented in software or hardware. The described units or modules can also be housed in a processor; for example, a processor can be described as including a sub-wallet acquisition module, a payment request generation module, and a sub-wallet payment module. The names of these units or modules do not necessarily limit the specific unit or module itself. For example, a sub-wallet acquisition module can also be described as "a module for acquiring and displaying a list of sub-wallets bound to a merchant system in response to a user's payment confirmation instruction."

[0123] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to include: in response to a payment confirmation instruction generated based on a first operation by a user in a virtual reality scene, acquiring and displaying a list of sub-wallets bound to a merchant system, the sub-wallet list being used to enable the user to select a payment sub-wallet for payment from the list; generating a payment request based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, the payment request including a payment sub-wallet identifier; and sending the payment request to the merchant system, the payment request being used to enable the merchant system to query the payment token of the payment sub-wallet based on the payment sub-wallet identifier, and to interact with a monetary institution based on the payment token to complete the payment.

[0124] According to the technical solution of the present invention, in response to a payment confirmation instruction generated by a user in a virtual reality scene, a list of sub-wallets bound to a merchant system is obtained and displayed. The sub-wallet list allows the user to select a payment sub-wallet for payment. A payment request is generated based on the payment sub-wallet selected by the user in a second operation in the virtual reality scene. The payment request includes a payment sub-wallet identifier. The payment request is sent to the merchant system, which allows the merchant system to query the payment token of the payment sub-wallet based on the payment sub-wallet identifier and interact with the monetary institution based on the payment token to complete the payment. This technical solution enables payment based on payment tokens, allowing the use of digital currency for payment without interrupting the user's immersive experience in the virtual world. It also proactively authorizes the binding of the payment capability of the digital currency wallet to a specific account in the merchant system, so that the user can use this wallet for payment on this merchant system. Thus, while ensuring the user's payment experience, it achieves fast, convenient, and secure payment.

[0125] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A payment method based on digital currency, characterized in that, include: In response to a payment confirmation instruction generated based on the user's first operation in a virtual reality scene, a list of sub-wallets bound to the merchant system is obtained and displayed, wherein the sub-wallet list is used to enable the user to select a payment sub-wallet for payment from the sub-wallet list; A payment request is generated based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, the payment request including a payment sub-wallet identifier; The payment request is sent to the merchant system, which enables the merchant system to query the payment token of the payment sub-wallet based on the payment sub-wallet identifier, and interact with the monetary operating institution based on the payment token to complete the payment; The binding of the sub-wallet and the merchant system is performed by the digital currency wallet in the following way: obtaining the account information of the merchant system to be bound to the digital currency wallet; generating a sub-wallet opening request after the payment password of the digital currency wallet is verified; sending the sub-wallet opening request to the payment tokenization management platform, so that the payment tokenization management platform generates a sub-wallet associated with the merchant system and the account information and the payment token of the sub-wallet according to the sub-wallet opening request, thereby completing the binding of the sub-wallet and the merchant system.

2. The method according to claim 1, characterized in that, Also includes: In response to an order creation instruction generated based on a third operation by the user in the virtual reality scene, an order creation request is sent to the merchant system; The system receives and displays order information returned by the merchant system, enabling the user to perform the first operation in the virtual reality scene based on the order information and generate the payment confirmation instruction.

3. The method according to claim 2, characterized in that, The order information includes the payment amount; and, based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, a payment request is generated, including: The payment request is generated based on the payment sub-wallet identifier selected by the user through a second operation in the virtual reality scene and the payment amount.

4. The method according to claim 1 or 3, characterized in that, The currency operating institutions include collection operating institutions and payment operating institutions; The step of interacting with the monetary institution based on the payment token to complete the payment includes: Generate a collection request message based on the payment token and the payment request; The payment request message is sent to the payment operation institution corresponding to the merchant system. The payment request message is used to enable the payment operation institution to interact with the payment operation institution to complete the payment.

5. The method according to claim 4, characterized in that, The payment request message includes the payment sub-wallet identifier, the merchant system's payment wallet identifier, the payment amount, and the payment token.

6. A payment device based on digital currency, characterized in that, include: The sub-wallet acquisition module is used to respond to a payment confirmation instruction generated based on the user's first operation in the virtual reality scene, acquire and display a list of sub-wallets bound to the merchant system, and the sub-wallet list is used for the user to select a payment sub-wallet for payment from the sub-wallet list; wherein, the binding of the sub-wallet and the merchant system is performed by the digital currency wallet in the following manner: acquiring the account information of the merchant system to be bound to the digital currency wallet; generating a sub-wallet opening request if the payment password of the digital currency wallet is verified successfully; sending the sub-wallet opening request to the payment tokenization management platform, so that the payment tokenization management platform generates a sub-wallet associated with the merchant system and the account information and a payment token of the sub-wallet according to the sub-wallet opening request, thereby completing the binding of the sub-wallet and the merchant system; A payment request generation module is configured to generate a payment request based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, the payment request including a payment sub-wallet identifier; The sub-wallet payment module is used to send the payment request to the merchant system. The payment request enables the merchant system to query the payment token of the payment sub-wallet based on the payment sub-wallet identifier, and interact with the currency operating institution based on the payment token to complete the payment.

7. A payment system based on digital currency, characterized in that, include: A payment control is configured to, in response to a payment confirmation instruction generated based on a user's first operation in a virtual reality scene, acquire and display a list of sub-wallets bound to a merchant system, wherein the sub-wallet list allows the user to select a payment sub-wallet for payment from the list; generate a payment request based on the payment sub-wallet selected by the user through a second operation in the virtual reality scene, wherein the payment request includes a payment sub-wallet identifier; and send the payment request to the merchant system. The merchant system is used to send a list of sub-wallets bound to the merchant system to the payment control; receive payment requests sent by the payment control to the merchant system; query the payment token of the payment sub-wallet according to the payment sub-wallet identifier; and interact with the monetary operating institution according to the payment token to complete the payment. A digital currency wallet is used to obtain the account information of the merchant system to be bound to the digital currency wallet; after the payment password of the digital currency wallet is verified, a sub-wallet opening request is generated; and the sub-wallet opening request is sent to the payment tokenization management platform. The payment tokenization management platform is used to: generate a sub-wallet and a payment token associated with the merchant system and the account information based on the sub-wallet opening request, thereby completing the binding of the sub-wallet and the merchant system.

8. The system according to claim 7, characterized in that, The payment control is also configured to: send an order creation request to the merchant system in response to an order creation instruction generated by the user in the virtual reality scene based on a third operation; receive and display order information returned by the merchant system, so that the user generates the payment confirmation instruction by performing the first operation in the virtual reality scene based on the order information; The merchant system is also used to: create an order based on the order creation request and return the order information to the payment control.

9. The system according to claim 8, characterized in that, The order information includes the payment amount; The payment control is also used to generate the payment request based on the payment sub-wallet identifier of the payment sub-wallet selected by the user through a second operation in the virtual reality scene and the payment amount.

10. The system according to claim 7 or 9, characterized in that, The system also includes a currency operating institution, which includes a collection operating institution and a payment operating institution; The merchant system is also used to: generate a collection request message based on the payment token and the payment request, and send the collection request message to the collection operation institution corresponding to the merchant system; The collection operation institution is used to: interact with the payment operation institution according to the collection request message to complete the payment.

11. The system according to claim 10, characterized in that, The payment request message includes the payment sub-wallet identifier, the merchant system's payment wallet identifier, the payment amount, and the payment token.

12. An electronic device, characterized in that, include: 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 as described in any one of claims 1-5.

13. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method as described in any one of claims 1-5.

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