A method, apparatus and system for payment of a digital currency

Abstract

The application discloses a payment method, device and system of digital currency, and relates to the technical field of digital currency. A specific embodiment of the method comprises the following steps: acquiring a payment request, wherein the payment request indicates a payment amount; according to the payment request, sending a payment push request to a wallet application terminal background, so that the wallet application terminal background returns a payment notification to a wallet application terminal according to the payment push request; and in response to payment information sent by the wallet application terminal according to the payment notification, performing payment processing by using digital currency corresponding to the payment amount. The embodiment realizes a payment process of digital currency under a double-layer operation system, and guarantees the convenience and security of payment by using a wallet application.

Description

TECHNICAL FIELD

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

[0002] The convenience and security of the digital currency wallet application used in daily life have an important influence on the popularity of digital currency.

[0003] At present, the digital currency usually adopts a double-layer operation system, one layer is that the digital currency wallet background issues digital currency to designated operation institutions, and the other layer is that the designated operation institutions provide exchange and circulation services of digital currency to social users. When using the digital currency wallet application to pay, a method is urgently needed to realize the payment process under the double-layer operation system and to ensure the convenience and security of payment. SUMMARY

[0004] Therefore, the embodiment of the present application provides a digital currency payment method, device and system, a payment push request is sent to the wallet application terminal background according to a payment request, payment information input by the wallet application terminal according to the payment notification sent by the wallet application terminal background is received, and payment processing is performed by using the digital currency corresponding to the payment amount, so that the payment process of the digital currency under the double-layer operation system is realized.

[0005] Further, the payment code is sent to the wallet application terminal, the payment of the wallet application terminal after the payment code is scanned is realized, the payment process is simplified, and the convenience of payment is improved; the result push request is sent to the wallet application terminal background according to the payment processing result, the monitoring of the payment process by the wallet application terminal background can be realized; the risk assessment of the payment request is performed, the purpose of secondary verification according to the risk assessment result is realized, so that the security of payment is ensured; the payment amount is confirmed according to the limit of the payment wallet account, the financial risk of the payment wallet account can be reduced; when the balance of the payment wallet account is insufficient, the payment wallet account can be recharged and paid by the recharging payment mode, and the payment efficiency is improved.

[0006] To achieve the above purpose, according to one aspect of the embodiment of the present application, a digital currency payment method is provided, which is applied to a payment party operation institution, and the method comprises:

[0007] Obtaining a payment request, the payment request indicating a payment amount;

[0008] According to the payment request, a payment push request is sent to the wallet application terminal background, so that the wallet application terminal background returns a payment notification to the wallet application terminal according to the payment push request;

[0009] In response to payment information sent by the wallet application terminal according to the payment notification, a payment process is performed using digital currency corresponding to the payment amount.

[0010] Optionally, before the payment push request is sent to the wallet application terminal background, the method further comprises:

[0011] In response to the payment code request sent by the wallet application terminal, a payment code is sent to the wallet application terminal, so that after the payment code is scanned by the payment acceptance terminal, the payment amount is determined, and a payment request message is sent to the payee operating institution through the acceptance institution.

[0012] Optionally, after the payment process is performed using digital currency corresponding to the payment amount, the method further comprises:

[0013] According to the payment processing result returned by the payee operating institution, a result push request is sent to the wallet application terminal background, so that the wallet application terminal background generates a consumption result notification and pushes the consumption result notification to the wallet application terminal.

[0014] Optionally, in the case that the payer operating institution and the payee operating institution are different institutions, the payer operating institution and the payee operating institution communicate through an interworking platform; the payment push request sent to the wallet application terminal background comprises:

[0015] The payment request returned by the payee operating institution according to the payment request message is received through the interworking platform;

[0016] According to the payment request, a payment push request is sent to the wallet application terminal background.

[0017] Optionally, after the payment process is performed using digital currency corresponding to the payment amount, the method further comprises:

[0018] The payment processing result is sent to the payee operating institution, so that the payee operating institution performs payment processing;

[0019] In response to the payment processing result returned by the payee operating institution, a transaction result is sent to the wallet application terminal.

[0020] Optionally, in the case that the payer operating institution and the payee operating institution are the same institution, the payment push request sent to the wallet application terminal background comprises:

[0021] According to the payment request message, a payment push request is sent to the wallet application terminal background.

[0022] Optionally, the payment request message indicates a payee wallet account, and after the payment processing using the digital currency corresponding to the payment amount, the payment request message further comprises:

[0023] performing the payment processing on the payee wallet account;

[0024] sending a transaction result to the wallet application terminal according to the payment processing result;

[0025] sending the payment processing result to the payee receiving terminal through the receiving institution, so that the payee receiving terminal displays the payment processing result.

[0026] Optionally, the payment request further indicates a payer wallet account, and in a case where the payment amount is greater than a password-free quota of the payer wallet account, the payment information comprises a payment password, and the payment processing using the digital currency corresponding to the payment amount comprises:

[0027] determining whether to perform secondary verification on the payment request in a case where the payment password is verified;

[0028] if yes, sending a secondary verification instruction to the wallet application terminal;

[0029] performing the payment processing from the payer wallet account in response to verification information input by the wallet application terminal according to the secondary verification instruction.

[0030] Optionally, the determining whether to perform secondary verification on the payment request comprises:

[0031] performing risk assessment on the payer wallet account and the payment amount;

[0032] determining whether to perform secondary verification on the payment request according to a result of the risk assessment.

[0033] Optionally, the performing the payment processing from the payer wallet account further comprises:

[0034] determining whether a balance of the payer wallet account is not less than the payment amount;

[0035] if yes, determining a cumulative payment amount of the payer wallet account according to a sum of the payment amount and a historical payment amount of the payer wallet account;

[0036] performing the payment processing from the payer wallet account in a case where the payment amount is not greater than a preset single limit and the cumulative payment amount is not greater than a preset cumulative limit.

[0037] Optionally, in a case where the balance of the payer wallet account is less than the payment amount, the method further comprises:

[0038] sending a top-up payment prompt to the wallet application terminal;

[0039] recharging the payment wallet account according to the top-up information input by the wallet application terminal according to the top-up payment prompt, and performing a payment process using the recharged payment wallet account.

[0040] According to another aspect of the embodiments of the present application, a payment device of digital currency is provided, which is applied to a payment party operating institution, and the device comprises:

[0041] a payment request indicating a payment amount;

[0042] a sending module configured to send a payment push request to a wallet application terminal background according to the payment request, so that the wallet application terminal background returns a payment notification to a wallet application terminal according to the payment push request;

[0043] a payment module configured to perform a payment process using digital currency corresponding to the payment amount in response to payment information sent by the wallet application terminal according to the payment notification.

[0044] According to still another aspect of the embodiments of the present application, a payment method of digital currency is provided, which is applied to a wallet application terminal, and the method comprises:

[0045] receiving a payment notification sent by a wallet application terminal background;

[0046] sending payment information to a payment party operating institution according to the payment notification, so that the payment party operating institution performs a payment process according to the payment information.

[0047] Optionally, the method further comprises:

[0048] sending a payment code request to the payment party operating institution in response to a payment operation of a user, so that the payment party operating institution generates a payment code according to the payment code request;

[0049] obtaining the payment code, and displaying the payment code to a payment receiving terminal.

[0050] Optionally, the method further comprises:

[0051] receiving a transaction result of the payment party operating institution, and displaying the transaction result.

[0052] Optionally, the payment notification indicates a payment amount and a payment wallet account, and the sending of the payment information to the payment party operating institution according to the payment notification comprises:

[0053] In a case that the payment amount is greater than the password-free amount of the payment wallet account, a checkout is invoked;

[0054] A payment password is input in the checkout to enable the payment party operator to verify the payment password.

[0055] Optionally, in a case that the payment password verification is passed, further comprising:

[0056] In response to a secondary verification instruction sent by the payment party operator, verification information is input in the checkout.

[0057] Optionally, in a case that the balance of the payment wallet account is less than the payment amount, further comprising:

[0058] A recharge payment prompt of the payment party operator is received;

[0059] According to the recharge payment prompt, recharge information is input to enable the payment party operator to recharge the payment wallet account according to the recharge information.

[0060] According to another aspect of the embodiment of the present application, a payment device of digital currency is provided, the device is applied to a wallet application terminal, and the device comprises:

[0061] A receiving module is configured to receive a payment notification sent by a wallet application terminal background;

[0062] A sending module is configured to send payment information to a payment party operator according to the payment notification to enable the payment party operator to perform payment processing according to the payment information.

[0063] According to still another aspect of the embodiment of the present application, a payment method of digital currency is provided, comprising:

[0064] A wallet application terminal sends a payment code request to a payment party operator;

[0065] The payment party operator sends a payment code to the wallet application terminal according to the payment code request;

[0066] A payment amount is determined by a payment receiving terminal scanning a payment code displayed by the wallet application terminal, and a payment request message is sent to a payment party operator through a receiving institution;

[0067] The payment party operator sends a payment push request to a wallet application terminal background according to the payment request message;

[0068] The wallet application terminal background generates a payment notification according to the payment push request and pushes the payment notification to the wallet application terminal;

[0069] The payer operating institution receives the payment information sent by the wallet application terminal according to the payment notification, and performs payment processing by using the digital currency corresponding to the payment amount.

[0070] Optionally, after the collection receiving terminal scans the payment code displayed by the wallet application terminal, the method comprises:

[0071] The collection receiving terminal generates a transaction order and sends the transaction order to a receiving institution;

[0072] The receiving institution generates a payment request message according to the transaction order.

[0073] Optionally, after the payment processing by using the digital currency corresponding to the payment amount, the method further comprises:

[0074] The payer operating institution sends a result push request to the wallet application terminal background according to the collection processing result returned by the payee operating institution;

[0075] The wallet application terminal background generates a consumption result notification according to the result push request and pushes the consumption result notification to the wallet application terminal.

[0076] Optionally, in the case that the payer operating institution and the payee operating institution are different institutions, the receiving institution, the payer operating institution, the wallet application terminal background and the payee operating institution communicate through an interworking platform; and the sending of the payment push request to the wallet application terminal background comprises:

[0077] The receiving institution sends the payment request message to the payee operating institution through the interworking platform;

[0078] The payee operating institution generates a collection request according to the payment request message and sends the collection request to the payer operating institution through the interworking platform;

[0079] The payer operating institution sends a payment push request to the wallet application terminal background according to the collection request.

[0080] Optionally, the payment request message indicates a collection wallet account, and after the payment processing by using the digital currency corresponding to the payment amount, the method further comprises:

[0081] The payer operating institution sends a payment processing result to the payee operating institution;

[0082] The payee operating institution performs collection processing on the collection wallet account and sends a collection processing result to the payer operating institution;

[0083] The payer operator sends a transaction result to the wallet application terminal according to the payment processing result.

[0084] Optionally, in the case that the payment wallet account and the collection wallet account correspond to the same payer operator, the sending of the payment push request to the wallet application terminal background comprises:

[0085] The receiving institution sends the payment request message to the payer operator;

[0086] The payer operator sends a payment push request to the wallet application terminal background according to the payment request message.

[0087] Optionally, in the case that the payment wallet account and the collection wallet account correspond to the same payer operator, the payment request message indicates the collection wallet account, and after the payment processing using the digital currency corresponding to the payment amount, further comprises:

[0088] The payer operator performs collection processing on the collection wallet account, sends a transaction result to the wallet application terminal according to the collection processing result, and sends the collection processing result to the receiving institution;

[0089] The receiving institution sends the collection processing result to the collection receiving terminal to display the collection processing result.

[0090] Optionally, the payment request further indicates the payment wallet account, and in the case that the payment amount is greater than the free quota of the payment wallet account, the payment information includes a payment password, and the payment processing using the digital currency corresponding to the payment amount comprises:

[0091] In the case that the payment password verification is passed, it is determined whether to perform secondary verification on the payment request;

[0092] If yes, a secondary verification instruction is sent to the wallet application terminal;

[0093] The payment processing is performed from the payment wallet account in response to the verification information input by the wallet application terminal according to the secondary verification instruction.

[0094] Optionally, the determination by the payer operator whether to perform secondary verification on the payment request comprises:

[0095] Risk assessment is performed on the payment wallet account and the payment amount;

[0096] determining whether to perform secondary verification on the payment request according to a result of the risk assessment.

[0097] Optionally, the payment processing from the payment wallet account by the payment party operator further comprises:

[0098] determining whether the balance of the payment wallet account is not less than the payment amount;

[0099] if yes, determining a cumulative payment amount of the payment wallet account according to a sum of the payment amount and historical payment amounts of the payment wallet account;

[0100] performing payment processing from the payment wallet account in a case where the payment amount is not greater than a preset single limit and the cumulative payment amount is not greater than a preset cumulative limit.

[0101] Optionally, in a case where the balance of the payment wallet account is less than the payment amount, the method further comprises:

[0102] sending, by the payment party operator, a top-up payment prompt to the wallet application terminal;

[0103] inputting, by the wallet application terminal, top-up information according to the top-up payment prompt;

[0104] performing, by the payment party operator, top-up processing on the payment wallet account according to the top-up information, and performing payment processing by using the payment wallet account after the top-up.

[0105] According to still another aspect of the embodiments of the present application, a payment system of digital currency is provided, comprising:

[0106] a wallet application terminal configured to send a payment code request and display a payment code;

[0107] a payment receiving terminal configured to scan the payment code displayed by the wallet application terminal, generate a transaction order, and send the transaction order to a receiving institution;

[0108] the receiving institution configured to generate a payment request message according to the transaction order;

[0109] a payment party operator configured to obtain a payment request, the payment request indicating a payment amount; send a payment push request to a background of the wallet application terminal according to the payment request, so that the background of the wallet application terminal returns a payment notification to the wallet application terminal according to the payment push request; and perform payment processing by using digital currency corresponding to the payment amount in response to payment information sent by the wallet application terminal according to the payment notification.

[0110] The wallet application terminal background is configured to: generate a payment notification according to the payment push request, and push the payment notification to the wallet application terminal; and generate a consumption result notification according to a result push request, and push the consumption result notification to the wallet application terminal.

[0111] Optionally, the payment system further comprises: a payee operating institution; wherein the payee operating institution and the payer operating institution are different institutions.

[0112] The receiving institution is configured to send the payment request message to the payee operating institution.

[0113] The payee operating institution is configured to generate a payment request according to the payment request message, and send the payment request to the payer operating institution.

[0114] According to a further aspect of the embodiment of the present application, a payment electronic device of digital currency is provided, comprising: one or more processors; a storage device configured to store one or more programs, when the one or more programs are executed by the one or more processors, the one or more processors implement a payment method of digital currency provided by the embodiment of the present application.

[0115] According to a further aspect of the embodiment of the present application, a computer readable medium having a computer program stored thereon is provided, when the program is executed by a processor, a payment method of digital currency provided by the embodiment of the present application is implemented.

[0116] The above-mentioned embodiment of the present application has the following advantages or beneficial effects: according to the payment push request, the payment push request is sent to the wallet application terminal background, the payment information is received by the wallet application terminal according to the payment notification sent by the wallet application terminal background, and the payment processing is performed by using the digital currency corresponding to the payment amount, thereby realizing the payment process of the digital currency under the double-layer operating system.

[0117] Further, the payment code is sent to the wallet application terminal, the payment is realized after the payment code of the wallet application terminal is scanned, the payment process is simplified, and the convenience of payment is improved; the result push request is sent to the wallet application terminal background according to the payment processing result, the monitoring of the payment process by the wallet application terminal background can be realized; the risk assessment of the payment request is performed, the purpose of secondary verification according to the risk assessment result is realized, thereby ensuring the safety of the payment; the payment amount is confirmed according to the limit of the payment wallet account, the financial risk of the payment wallet account can be reduced; when the balance of the payment wallet account is insufficient, the payment wallet account can be recharged and paid by the recharging payment mode, thereby improving the payment efficiency.

[0118] The further effects of the above-mentioned non-conventional optional mode will be described in the following in conjunction with the specific embodiments. BRIEF DESCRIPTION OF DRAWINGS

[0119] The accompanying drawings are included to provide a further understanding of the present application, and are incorporated in and constitute a part of this specification. Among the drawings:

[0120] Figure 1 is a main step diagram of a digital currency payment method provided by a first embodiment of the present application;

[0121] Figure 2 is a main step diagram of a digital currency payment method provided by a second embodiment of the present application;

[0122] Figure 3 is a digital currency payment process diagram provided by a third embodiment of the present application;

[0123] Figure 4 is a payment request processing flow diagram of a payment party operating agency in the third embodiment of the present application;

[0124] Figure 5 is a main step diagram of a digital currency payment method provided by a fourth embodiment of the present application;

[0125] Figure 6 is a main module diagram of a digital currency payment device provided by a fifth embodiment of the present application;

[0126] Figure 7 is a main module diagram of a digital currency payment device provided by a sixth embodiment of the present application;

[0127] Figure 8 is a main component diagram of a digital currency payment system according to a seventh embodiment of the present application;

[0128] Figure 9 is an exemplary system architecture diagram to which embodiments of the present application can be applied;

[0129] Figure 10 is a structural diagram of a computer system of a terminal device or a server suitable for implementing embodiments of the present application. DETAILED DESCRIPTION

[0130] The exemplary embodiments of the present application will be described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present application to assist in understanding, and should be considered as merely exemplary. Thus, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present application. Also, for the sake of clarity and conciseness, the description below omits the description of well-known functions and structures.

[0131] It should be noted that the embodiments of the present application and the technical features in the embodiments can be combined with each other without conflict.

[0132] The implementation principle of the digital currency payment method, device and system provided by the present application is that the wallet application terminal sends a payment code to the payment operator to obtain a payment code, the payment code is scanned by the receiving terminal to generate a transaction order and send it to the receiving agency, the receiving agency generates a payment request message according to the transaction order and sends it to the payee operator, the payee operator generates a payment request according to the payment request message and sends it to the payer operator, the payer operator sends a payment push request to the wallet application terminal background according to the payment request, the wallet application terminal background generates a payment notification according to the payment push request and pushes it to the wallet application terminal, the wallet application terminal inputs a payment password according to the payment notification, and when the payment password is verified, the payer operator judges whether to perform secondary verification on the payment request, and when secondary verification is required, a secondary verification instruction is sent to the wallet application terminal, the wallet application inputs verification information according to the secondary verification instruction, and when the verification information is passed, the payer operator performs payment processing from the payment wallet account.

[0133] Then, the payer operator sends the payment processing result to the payee operator, the payee operator performs payment processing on the payee wallet account, and returns the payment processing result to the payer operator, the payer operator sends a result push request to the wallet application terminal background, the wallet application terminal background generates a consumption result notification according to the result push request and pushes it to the wallet application terminal, and at the same time, the payee operator sends the payment processing result to the receiving agency, and the receiving agency sends the payment processing result to the receiving terminal for display. In this way, the payment process under the double-layer operation system can be realized. Further, the payment code is sent to the wallet application terminal, which realizes the payment after the wallet application terminal payment code is scanned, simplifies the payment process, and improves the convenience of payment; the result push request is sent to the wallet application terminal background according to the payment processing result, which can realize the monitoring of the payment process by the wallet application terminal background; the risk assessment of the payment request is realized, which realizes the purpose of secondary verification according to the risk assessment result, so as to ensure the safety of the payment; the payment amount is confirmed according to the limit of the payment wallet account, which can reduce the financial risk of the payment wallet account; when the balance of the payment wallet account is insufficient, the payment wallet account can be recharged and paid through the recharging payment method, which improves the payment efficiency.

[0134] Figure 1 is the main step diagram of the digital currency payment method provided by the first embodiment of the present application. As Figure 1As shown, the first embodiment of the present application provides a payment method of digital currency applied to a payment party operating institution, mainly including the following steps:

[0135] Step S101: obtaining a payment request, the payment request indicating a payment amount;

[0136] Step S102: according to the payment request, sending a payment push request to the wallet application terminal background, so that the wallet application terminal background returns a payment notification to the wallet application terminal according to the payment push request;

[0137] Step S103: in response to the payment information sent by the wallet application terminal according to the payment notification, using the digital currency corresponding to the payment amount to process payment.

[0138] According to one embodiment of the present application, before the payment push request is sent to the wallet application terminal background, in response to the payment code request sent by the wallet application terminal, a payment code is sent to the wallet application terminal, so that after the payment code is scanned by the payment receiving terminal, the payment amount is determined, and a payment request message is sent to the payment receiving terminal to the payment receiving party operating institution.

[0139] According to one embodiment of the present application, after the digital currency corresponding to the payment amount is used to process payment, it further includes: according to the payment processing result returned by the payment receiving party operating institution, sending a result push request to the wallet application terminal background, so that the wallet application terminal background generates a consumption result notification and pushes the consumption result notification to the wallet application terminal.

[0140] According to another embodiment of the present application, in the case that the payment party operating institution and the payment receiving party operating institution are different institutions, the payment party operating institution and the payment receiving party operating institution communicate through an interworking platform; the payment push request sent to the wallet application terminal background includes: receiving the payment request returned by the payment receiving party operating institution according to the payment request message through the interworking platform; according to the payment request, sending a payment push request to the wallet application terminal background.

[0141] It can be understood that the interworking platform is a public platform that can interact with different currency operating institutions in the currency flow process, and in subsequent embodiments, the payment receiving party operating institution, the payment party operating institution, the receiving institution and the wallet application terminal background can all communicate through the interworking platform.

[0142] According to another embodiment of the present application, in the case that the payer operating agency and the payee operating agency are different agencies, after the payment processing using the digital currency corresponding to the payment amount, the method further comprises: causing the payee operating agency to perform a pay-in processing; and sending a transaction result to the wallet application terminal in response to a pay-in processing result returned by the payee operating agency.

[0143] According to another embodiment of the present application, in the case that the payer operating agency and the payee operating agency are the same agency, the sending of the payment push request to the wallet application terminal background comprises: sending a payment push request to the wallet application terminal background according to the payment request message.

[0144] According to another embodiment of the present application, in the case that the payer operating agency and the payee operating agency are the same agency, the payment request message indicates a payee wallet account, and after the payment processing using the digital currency corresponding to the payment amount, the method further comprises: performing a pay-in processing on the payee wallet account; sending a transaction result to the wallet application terminal according to the pay-in processing result; and sending the pay-in processing result to the payee receiving terminal through the receiving agency to cause the payee receiving terminal to perform a display.

[0145] According to another embodiment of the present application, the payment request further indicates a payer wallet account, and in the case that the payment amount is greater than a password-free quota of the payer wallet account, the payment information comprises a payment password, and the payment processing using the digital currency corresponding to the payment amount comprises: in the case that the payment password is verified, determining whether to perform a secondary verification on the payment request; if yes, sending a secondary verification instruction to the wallet application terminal; and performing the payment processing from the payer wallet account in response to verification information input by the wallet application terminal according to the secondary verification instruction.

[0146] According to another embodiment of the present application, the determination of whether to perform the secondary verification on the payment request comprises: performing a risk assessment on the payer wallet account and the payment amount; and determining whether to perform the secondary verification on the payment request according to a result of the risk assessment.

[0147] According to another embodiment of the present application, the payment processing from the payer wallet account further comprises: determining whether a balance of the payer wallet account is not less than the payment amount; if yes, determining a cumulative payment amount of the payer wallet account according to a sum of the payment amount and a historical payment amount of the payer wallet account; and performing the payment processing from the payer wallet account in the case that the payment amount is not greater than a preset single limit and the cumulative payment amount is not greater than a preset cumulative limit.

[0148] According to a further embodiment of the present application, in the case that the balance of the payment wallet account is less than the payment amount, further comprising: sending a top-up payment prompt to the wallet application terminal; and in response to top-up information input by the wallet application terminal according to the top-up payment prompt, top-up the payment wallet account and performing payment processing using the top-up payment wallet account.

[0149] According to the technical solution of the embodiment of the present application, the payment push request is sent to the wallet application terminal background according to the payment request, the payment information input by the wallet application terminal according to the payment notification sent by the wallet application terminal background is received, and the payment processing is performed using the digital currency corresponding to the payment amount, thereby realizing the payment process of the digital currency in the double-layer operation system.

[0150] Further, the payment code is sent to the wallet application terminal, the payment is realized after the payment code of the wallet application terminal is scanned, the payment process is simplified, and the convenience of payment is improved; the result push request is sent to the wallet application terminal background according to the payment processing result, the monitoring of the payment process by the wallet application terminal background can be realized; the risk assessment of the payment request is performed, the purpose of the secondary verification according to the risk assessment result is realized, thereby ensuring the safety of the payment; the payment amount is confirmed according to the limit of the payment wallet account, the financial risk of the payment wallet account can be reduced; when the balance of the payment wallet account is insufficient, the payment wallet account can be top-up and paid by the top-up payment, thereby improving the payment efficiency.

[0151] Figure 2 is a main step schematic diagram of a digital currency payment method according to the second embodiment of the present application. As shown in Figure 2 , the digital currency payment method according to the second embodiment of the present application mainly includes the following steps:

[0152] Step S201: the wallet application terminal sends a payment code request to the payment party operating institution;

[0153] Step S202: the payment party operating institution sends a payment code to the wallet application terminal according to the payment code request;

[0154] Step S203: the payment code displayed by the wallet application terminal is scanned by the payment receiving terminal, the payment amount is determined, and the payment request message is sent to the payment party operating institution through the receiving institution;

[0155] Step S204: the payment party operating institution sends a payment push request to the wallet application terminal background according to the payment request message;

[0156] Step S205: The wallet application terminal background generates a payment notification according to the payment push request, and pushes the payment notification to the wallet application terminal.

[0157] Step S206: The payer operating institution receives the payment information sent by the wallet application terminal according to the payment notification, and performs payment processing by using the digital currency corresponding to the payment amount.

[0158] According to an embodiment of the present application, after the payment code displayed by the wallet application terminal is scanned by the collection receiving terminal, the method further comprises: the collection receiving terminal generates a transaction order according to the payment amount, and sends the transaction order to the receiving institution; and the receiving institution generates a payment request message according to the transaction order.

[0159] According to an embodiment of the present application, after the payment processing by using the digital currency corresponding to the payment amount, the method further comprises: the payer operating institution sends a result push request to the wallet application terminal background according to the collection processing result returned by the payee operating institution; and the wallet application terminal background generates a consumption result notification according to the result push request, and pushes the consumption result notification to the wallet application terminal.

[0160] According to another embodiment of the present application, when the payer operating institution and the payee operating institution are different institutions, the receiving institution, the payer operating institution and the payee operating institution communicate through an interworking platform; the sending of the payment push request to the wallet application terminal background comprises: the receiving institution sends the payment request message to the payee operating institution through the interworking platform; the payee operating institution generates a collection request according to the payment request message, and sends the collection request to the payer operating institution through the interworking platform; and the payer operating institution sends a payment push request to the wallet application terminal background according to the collection request.

[0161] According to another embodiment of the present application, when the payer operating institution and the payee operating institution are different institutions, the payment request message indicates a collection wallet account, and after the payment processing by using the digital currency corresponding to the payment amount, the method further comprises: the payer operating institution sends a payment processing result to the payee operating institution; the payee operating institution performs collection processing on the collection wallet account, and sends a collection processing result to the payer operating institution; and the payer operating institution sends a transaction result to the wallet application terminal according to the collection processing result.

[0162] According to another embodiment of the present application, when the pay wallet account and the receive wallet account correspond to the same pay operator, the sending of the pay push request to the wallet application terminal background comprises: the receiving institution sending the payment request message to the pay operator; and the pay operator sending a pay push request to the wallet application terminal background according to the payment request message.

[0163] According to another embodiment of the present application, when the pay wallet account and the receive wallet account correspond to the same pay operator, the payment request message indicates the receive wallet account, and after the pay processing using the digital currency corresponding to the pay amount, the method further comprises: the pay operator performing receive processing on the receive wallet account, sending a transaction result to the wallet application terminal according to the receive processing result, and sending the receive processing result to the receiving institution; and the receiving institution sending the receive processing result to the receive terminal to display the receive processing result.

[0164] According to another embodiment of the present application, the pay request further indicates the pay wallet account, and when the pay amount is greater than the password-free quota of the pay wallet account, the pay information comprises a payment password, and the pay processing using the digital currency corresponding to the pay amount by the pay operator comprises: when the payment password is verified, determining whether to perform secondary verification on the pay request; if yes, sending a secondary verification instruction to the wallet application terminal; and performing pay processing from the pay wallet account in response to verification information input by the wallet application terminal according to the secondary verification instruction.

[0165] According to another embodiment of the present application, the determination of whether to perform secondary verification on the pay request by the pay operator comprises: performing risk assessment on the pay wallet account and the pay amount; and determining whether to perform secondary verification on the pay request according to the result of the risk assessment.

[0166] According to another embodiment of the present application, the pay processing from the pay wallet account by the pay operator further comprises: determining whether the balance of the pay wallet account is not less than the pay amount; if yes, determining a cumulative pay amount of the pay wallet account according to the sum of the pay amount and the historical pay amount of the pay wallet account; and performing pay processing from the pay wallet account when the pay amount is not greater than a preset single limit and the cumulative pay amount is not greater than a preset cumulative limit.

[0167] According to a further embodiment of the present application, in the case that the balance of the payment wallet account is less than the payment amount, the method further comprises: the payment party operating agency sends a top-up payment prompt to the wallet application terminal; the wallet application terminal inputs top-up information according to the top-up payment prompt; and the payment party operating agency performs a top-up process on the payment wallet account according to the top-up information, and performs a payment process using the top-up payment wallet account.

[0168] Figure 3 is a digital currency payment flow diagram of a third embodiment of the present application. As shown in Figure 3 the payment flow of the third embodiment of the present application mainly comprises the following steps:

[0169] Step 1: The wallet application terminal sends a payment code request to the payment operating agency. It can be understood that the payment request can be a payment code generation request sent by the user to the payment party operating agency before the user pays the merchant by selecting the payment option in the wallet application terminal.

[0170] Step 2: The payment party operating agency generates a payment code according to the payment request (payment code generation request) and sends the payment code to the wallet application terminal. The payment code corresponds to the wallet application terminal and contains relevant information of the payment wallet account, such as payment wallet account identifier, payment party operating agency identifier, etc.

[0171] Step 3: The wallet application terminal displays the payment code after receiving the payment code. The payment code can be in the form of a two-dimensional code, and the payment code can be dynamically updated at certain intervals to ensure the timeliness and security of the payment of the wallet application terminal.

[0172] Step 4: The payment receiving terminal scans the payment code of the wallet application terminal and prompts the payment party to input the payment amount. The payment receiving terminal can be a digital currency POS machine or other electronic devices that can scan the payment code of the digital currency wallet application.

[0173] Step 5: The payment receiving terminal generates a transaction order according to the payment amount, the payment wallet account, the payment party operating agency, the payment wallet account and the payment party operating agency obtained from the payment code, and sends the transaction order to the receiving agency.

[0174] Step 6: The receiving institution generates a payment request message according to the transaction order, and sends the payment message to the payee operating institution through the interworking platform. The payment request message is a general unified payment request message in a unified format obtained by the receiving institution calling the unified payment module, which can be parsed by multiple operating institutions supporting digital currency transactions. The payment request message contains information such as the payment amount, the payee wallet account, the payee operating institution, the payer wallet account, and the payer operating institution. The receiving institution can be understood as the issuer corresponding to the payee receiving terminal, or it can be a currency operating institution. Therefore, the receiving institution and the payer operating institution can be the same or different; the receiving institution can be the same as or different from the payee operating institution. The payee operating institution, the payer operating institution, the receiving institution, and the wallet application terminal background all communicate through the interworking platform. If the payer operating institution and the payee operating institution are different, step 7 is executed, and if the payer operating institution and the payee operating institution are the same, the payment request message can be understood as being circulated among different functional modules in the payer operating institution.

[0175] Step 7: The payee operating institution generates a payment request according to the payment request message, and sends the payment request to the payer operating institution through the interworking platform; in addition, the payee operating institution returns a response message 1 corresponding to the receiving institution after determining that the payment request message has been received (dashed arrow in the figure); the payment request can be understood as another payment request for notifying the payer operating institution that a payment will be made, and the payer operating institution can obtain the payment amount, the payee wallet account, and the payee operating institution identifier from the payment request.

[0176] Step 8: The payer operating institution generates a payment push request according to the payment request, and sends the payment push request to the wallet application terminal background through the interworking platform. In addition, the payer operating institution returns a response message 2 corresponding to the payee operating institution after determining that the payment request has been received (dashed arrow in the figure); if the payer operating institution and the payee operating institution are the same, the payer operating institution can generate a payment push request directly according to the payment request message. It can be understood that sending the payment push request can be understood as notifying the wallet application terminal background to supervise and confirm the payment request.

[0177] Step 9: The wallet application terminal background generates a payment notification according to the payment push request, and pushes the payment notification to the wallet application terminal; in addition, the wallet application terminal background returns a response message 3 corresponding to the payer operating institution after determining that the payment push request has been received (dashed arrow in the figure).

[0178] Step 10: The wallet application terminal inputs corresponding payment information according to the payment notification, and sends the payment information to the payer operating agency. When the payment amount is less than or equal to the password-free amount of the wallet application terminal, the payment is directly processed through the payer operating agency; when the payment amount is greater than the password-free amount of the wallet application, the wallet application terminal can call the checkout to input the payment password (i.e., the payment information includes the payment password). When the wallet application terminal background does not push the payment notification, the wallet application terminal does not call the checkout to make payment, thereby ensuring the supervision and control of the wallet application terminal background on the payment transaction, thereby achieving the purpose of making payment under the double-layer operating system.

[0179] Step 11: The payer operating agency processes payment from the payment wallet account according to the payment information, and sends the payment processing result to the payee operating agency through the interworking platform.

[0180] Step 12: The payee operating agency processes payment to the payee wallet account according to the payment processing result, and sends the payment processing result to the payer operating agency through the interworking platform.

[0181] Step 13: The payer operating agency sends the payment processing result to the wallet application terminal.

[0182] Step 14: The wallet application terminal displays the payment processing result. The payment processing result can be understood as the final transaction result of the payment process.

[0183] Step 15: The payer operating agency generates a result push request according to the payment processing result, and sends the result push request to the wallet application terminal background through the interworking platform.

[0184] Step 16: The wallet application terminal background generates a consumption result notification according to the result push request, and pushes the consumption result notification to the wallet application terminal. In addition, the wallet application terminal background returns the corresponding answer message 4 to the payer operating agency after determining that the result push request is received (indicated by a dashed arrow in the figure); wherein the consumption result notification can be understood as the consumption details generated by the wallet application terminal background for this payment process, which can include payment wallet account information, payee wallet account information, payment amount, payee operating agency and payer operating agency, etc. The wallet application terminal background can monitor and manage the payment result.

[0185] Step 17: The payee operating agency sends the payment processing result to the receiving agency through the interworking platform.

[0186] Step 18: The receiving agency sends the payment processing result to the payee receiving terminal.

[0187] Step 19: The payee receiving terminal displays the payment processing result to the payee user.

[0188] It can be understood that the processes of steps 11, 12 and 17 are exemplified by taking the payer operating institution and the payee operating institution as different institutions, if the payer operating institution and the payee operating institution are the same, steps 11, 12 and 17 can be directly executed by different functional modules in the payer operating institution respectively, to achieve the purposes of payment, collection and sending of the collection processing result to the receiving institution.

[0189] Figure 4 is the processing flow diagram of the payment request of the payer operating institution in the third embodiment of the present application. As shown in Figure 4 , it shows the specific implementation flow of the payer operating institution in step 11 in Figure 3 . After receiving the payment information, the payer operating institution will execute the following steps:

[0190] Step S401: Determine whether the payment amount is greater than the password-free amount of the payment wallet account, if yes, execute step S403, otherwise, execute step S402.

[0191] The password-free amount of the payment wallet account can be set by default by the payer operating institution, for example, setting an amount of 500 yuan as the password-free amount, and the payment request exceeding 500 yuan needs to input the password, the password-free amount can also be set by the user in the wallet application terminal.

[0192] Step S402: Prompt the user to input the payment password in the wallet application terminal and perform verification.

[0193] Step S403: Determine whether to perform secondary verification on the payment request, if yes, execute step S404, otherwise, execute step S406.

[0194] The payer operating institution can perform risk assessment on the payment request, and determine whether to perform secondary verification according to the result of the risk assessment; the risk assessment is usually to assess the historical transaction behavior of the payment wallet account, for example, it can be queried whether the payment wallet account is frequently traded within a certain period of time, whether there is a large amount of transaction, so as to determine whether the payment wallet account has the risk of being stolen and used, to ensure the safety of the funds of the payment wallet account. When the risk assessment shows that the payment wallet account has account risk, a secondary verification instruction can be sent to the wallet application terminal, wherein the secondary verification instruction can require the user to provide more verification information through the wallet application terminal to confirm the identity of the payment wallet account, or confirm whether the payment is initiated by the user himself. For example, the user can be prompted to input the verification code, fingerprint, face recognition and other information, to perform secondary verification on the payment request.

[0195] Step S404: sending a secondary verification instruction to the wallet application terminal, receiving secondary verification information input by the wallet application terminal and performing secondary verification.

[0196] Step S405: determining whether the secondary verification is passed, if yes, executing step S406, otherwise, terminating the payment.

[0197] Step S406: determining whether the balance of the payment wallet account is greater than or equal to the payment amount, if yes, executing step S407, otherwise, executing step S408.

[0198] The balance of the payment wallet account can be obtained by the user through the wallet application to bind a bank card for recharging.

[0199] Step S407: determining whether the payment amount exceeds the limit, if yes, terminating the payment, otherwise, performing the payment processing.

[0200] The limit can include a preset single limit and a preset cumulative limit. The preset cumulative limit can include a preset daily cumulative limit and a preset monthly cumulative limit. When the sum of the current payment amount and the daily historical payment amount of the payment wallet account exceeds the preset daily cumulative limit, or the sum of the current payment amount and the monthly historical payment amount of the payment wallet account exceeds the preset monthly cumulative limit, the payment is terminated. When the payment amount exceeds the preset single limit, the payment is terminated. When the payment party operating institution opens the payment wallet account, the level of the payment wallet account can be determined according to the completeness of the user information used at the time of opening. Different levels of accounts correspond to different limits. For example, the wallet levels can be divided into a first-class wallet, a second-class wallet, a third-class wallet and a fourth-class wallet. The payment wallet account can increase the limit by upgrading the level of the wallet account. For example, the third and fourth-class wallets can be upgraded to the second-class wallet by binding a bank card, thereby increasing the limit.

[0201] Step S408: sending a balance insufficient prompt and a recharge payment prompt to the wallet application terminal.

[0202] When the balance of the payment wallet account is less than the payment amount, the payment party operating institution sends a balance insufficient prompt to the wallet application terminal, and prompts that the payment can be continued by recharging the payment.

[0203] Step S409: receiving recharge information input by the user according to the recharge payment prompt, recharging the payment wallet account according to the recharge information, and directly performing the payment processing after the recharging.

[0204] In the case that the user binds a bank card, the payment prompt can be an option provided to the user in the wallet application terminal for payment from the bound bank card, the payment information can be the bound bank card related information generated by the user triggering the option, and the payment process can be understood as first charging the payment wallet account from the bound bank card according to the payment amount, and then using the payment wallet account after the charge to process the payment. In the case that the user does not bind a bank card, the payment information can also be the bank card information and the payment amount input by the user. Using these payment information, the payment party operating institution charges the payment wallet account and continues to initiate the payment process.

[0205] Figure 5 A digital currency payment method is provided according to a fourth embodiment of the present application, applied to a wallet application terminal, mainly comprising the following steps:

[0206] Step S501: receiving a payment notification sent by a wallet application terminal background.

[0207] Step S502: determining payment information according to the payment notification.

[0208] Step S503: sending the payment information to the payment party operating institution, so that the payment party operating institution processes payment according to the payment information.

[0209] According to an embodiment of the present application, in response to the user's payment operation, a payment code request is sent to the payment party operating institution, so that the payment party operating institution generates a payment code according to the payment code request; the payment code is obtained, and the payment code is displayed to the payment receiving terminal.

[0210] According to one of the embodiments of the present application, the transaction result of the payment party operating institution is received, and the transaction result is displayed.

[0211] According to another embodiment of the present application, the payment notification indicates the payment amount and the payment wallet account, and the payment information is determined according to the payment notification, including: in the case that the payment amount is greater than the free amount of the payment wallet account, calling a checkout; receiving the payment password input by the user in the checkout, and taking the payment password as the payment information.

[0212] According to another embodiment of the present application, in the case that the payment password verification is passed, it further includes: in response to the secondary verification instruction sent by the payment party operating institution, displaying secondary verification prompt information; receiving the verification information input by the user according to the secondary verification prompt information, and sending the verification information to the payment party operating institution for verification.

[0213] According to another embodiment of the present application, in the case that the balance of the payment wallet account is less than the payment amount, the determining payment information according to the payment notification further comprises: displaying a top-up payment prompt sent by the payment party operating agency; receiving top-up information input by the user according to the top-up payment prompt, and sending the top-up information to the payment party operating agency as the payment information, so that the payment party operating agency tops up the payment wallet account.

[0214] Figure 6 is a main module schematic diagram of a digital currency payment device according to a fifth embodiment of the present application. As shown in Figure 6 the digital currency payment device 600 of the fifth embodiment of the present application is applied to a payment party operating agency, and mainly comprises an acquisition module 601, a sending module 602 and a payment module 603, wherein,

[0215] the acquisition module 601 is used for acquiring a payment request, and the payment request indicates a payment amount;

[0216] the sending module 602 is used for sending a payment push request to a wallet application terminal background according to the payment request, so that the wallet application terminal background returns a payment notification to a wallet application terminal according to the payment push request;

[0217] the payment module 603 is used for performing payment processing by using a digital currency corresponding to the payment amount in response to payment information sent by the wallet application terminal according to the payment notification.

[0218] In an embodiment of the present application, the acquisition module 601 is used for sending a payment code to the wallet application terminal according to the payment request, so that the wallet application terminal sends a payment request message to a payee operating agency through an acceptance agency after the payment code is scanned.

[0219] In an embodiment of the present application, the sending module 602 is used for sending a result push request to the wallet application terminal background according to a payee processing result returned by the payee operating agency, so that the wallet application terminal background generates a consumption result notification and pushes the consumption result notification to the wallet application terminal.

[0220] In an embodiment of the present application, in the case that the payment party operating agency and the payee operating agency are different agencies, the sending module 602 receives a payee request returned by the payee operating agency according to the payment request through the interworking platform, and sends a payment push request to the wallet application terminal background according to the payee request.

[0221] In an embodiment of the present application, when the payer operating institution and the payee operating institution are different institutions, the sending module 602 is configured to send the payment processing result to the payee operating institution after the payment processing using the digital currency corresponding to the payment amount, and receive the payment processing result of the payee operating institution.

[0222] In an embodiment of the present application, when the payer operating institution and the payee operating institution are the same institution, the sending module 602 is configured to send a payment push request to the wallet application terminal background according to the payment request message.

[0223] In an embodiment of the present application, when the payer operating institution and the payee operating institution are the same institution, the sending module 602 is configured to perform payment processing on the payee wallet account indicated by the payment request after the payment processing using the digital currency corresponding to the payment amount, and send the payment processing result to the payment receiving terminal through the receiving institution to enable the payment receiving terminal to display.

[0224] In an embodiment of the present application, the payment request further indicates a payment wallet account, and when the payment amount is greater than the password-free quota of the payment wallet account, the payment information includes a payment password. The payment module 603 is configured to determine whether to perform secondary verification on the payment request when the payment password verification is passed, and if so, send a secondary verification instruction to the wallet application terminal, and perform payment processing from the payment wallet account in response to the verification information input by the wallet application terminal according to the secondary verification instruction.

[0225] In an embodiment of the present application, the payment module 603 is configured to perform risk assessment on the payment wallet account and the payment amount, and determine whether to perform secondary verification on the payment request according to the result of the risk assessment.

[0226] In an embodiment of the present application, the payment module 603 is configured to determine whether the balance of the payment wallet account is not less than the payment amount, and if so, determine the cumulative payment amount of the payment wallet account according to the sum of the payment amount and the historical payment amount of the payment wallet account, and perform payment processing from the payment wallet account when the payment amount is not greater than a preset single limit and the cumulative payment amount is not greater than a preset cumulative limit.

[0227] In one embodiment of the present application, when the balance of the payment wallet account is less than the payment amount, the payment module 603 is configured to send a top-up payment prompt to the wallet application terminal; and in response to top-up information input by the wallet application terminal according to the top-up payment prompt, top up the payment wallet account and perform payment processing using the top-up payment wallet account.

[0228] Figure 7 is a schematic diagram of the main modules of a digital currency payment device according to the sixth embodiment of the present application. As shown in Figure 7 the digital currency payment device 700 of the sixth embodiment of the present application is applied to a wallet application terminal and mainly includes a receiving module 701, a determining module 702 and a sending module 703, wherein,

[0229] the receiving module 701 is configured to receive a payment notification sent by the background of the wallet application terminal;

[0230] the determining module 702 is configured to determine payment information according to the payment notification;

[0231] the sending module 703 is configured to send the payment information to the payer operating institution so that the payer operating institution performs payment processing according to the payment information.

[0232] In one embodiment of the present application, the sending module 703 is configured to send a payment code request to the payer operating institution in response to a payment operation of the user, so that the payer operating institution generates a payment code according to the payment code request.

[0233] In one embodiment of the present application, the receiving module 701 is configured to obtain the payment code and display the payment code to a payment acceptance terminal.

[0234] In one embodiment of the present application, the receiving module 701 is configured to receive a transaction result of the payer operating institution and display the transaction result.

[0235] In one embodiment of the present application, the payment notification indicates a payment amount and a payment wallet account, and the determining module 702 is configured to call a checkout in a case where the payment amount is greater than a password-free quota of the payment wallet account; receive a payment password input by the user in the checkout and use the payment password as the payment information.

[0236] In one embodiment of the present application, when the payment password verification is passed, the determination module 702 is configured to display a secondary verification prompt in response to a secondary verification instruction sent by the payer operator, receive verification information input by the user according to the secondary verification prompt, and send the verification information to the payer operator for verification.

[0237] In one embodiment of the present application, when the balance of the payment wallet account is less than the payment amount, the determination module 702 is configured to display a recharge payment prompt sent by the payer operator, receive recharge information input by the user according to the recharge payment prompt, and send the recharge information to the payer operator as the payment information to enable the payer operator to recharge the payment wallet account.

[0238] Figure 8 Fig. 7 is a schematic diagram of the main components of a digital currency payment system according to the seventh embodiment of the present application. As shown in Fig. 7, the digital currency payment system 800 according to the seventh embodiment of the present application mainly includes a wallet application terminal background 801, a payment receiving terminal 802, a receiving institution 803, a payer operator 600, and a wallet application terminal 700, wherein, Figure 8

[0239] The wallet application terminal 700 is configured to send a payment code request and display a payment code.

[0240] The payment receiving terminal 802 is configured to scan the payment code displayed by the wallet application terminal, generate a transaction order, and send the transaction order to the receiving institution.

[0241] The receiving institution 803 is configured to generate a payment request message according to the transaction order.

[0242] The payer operator 600 is configured to obtain a payment request indicating a payment amount, send a payment push request to the wallet application terminal background according to the payment request, so that the wallet application terminal background returns a payment notification to the wallet application terminal according to the payment push request, and perform payment processing using digital currency corresponding to the payment amount in response to payment information sent by the wallet application terminal according to the payment notification.

[0243] The wallet application terminal background 801 is configured to generate a payment notification according to the payment push request and push the payment notification to the wallet application terminal, and generate a consumption result notification according to a result push request and push the consumption result notification to the wallet application terminal.

[0244] ​According to one embodiment of the present application, after the payment receiving terminal 802 scans the payment code displayed by the wallet application terminal 700, the payment receiving terminal 802 generates a transaction order and sends the transaction order to the receiving institution; the receiving institution 803 generates a payment request message according to the transaction order.

[0245] According to one embodiment of the present application, in the case where the payment receiving party operating institution and the payment party operating institution are different institutions, continuing to refer to Figure 8 The digital currency payment system 800 of the seventh embodiment of the present application can further include a payment receiving party operating institution 804; the receiving institution 803, the payment party operating institution 600, the wallet application terminal background 801 and the payment receiving party operating institution 804 communicate through an interworking platform, wherein the receiving institution 803 sends the payment request message to the payment receiving party operating institution 804 through the interworking platform; the payment receiving party operating institution 804 generates a payment receiving request according to the payment request message and sends the payment receiving request to the payment party operating institution 600 through the interworking platform; the payment party operating institution 600 sends a payment push request to the wallet application terminal background 801 according to the payment receiving request.

[0246] According to one embodiment of the present application, after the payment party operating institution 600 processes the payment by using the digital currency corresponding to the payment amount, the payment party operating institution 600 sends a result push request to the wallet application terminal background 801 according to the payment receiving result returned by the payment receiving party operating institution 804; the wallet application terminal background 801 generates a consumption result notification according to the result push request and pushes the consumption result notification to the wallet application terminal 700.

[0247] According to one embodiment of the present application, the payment request message indicates a payment receiving wallet account, after the payment party operating institution 600 processes the payment by using the digital currency corresponding to the payment amount, the payment party operating institution 600 sends a payment processing result to the payment receiving party operating institution 804; the payment receiving party operating institution 804 processes the payment receiving of the payment receiving wallet account and sends a payment receiving processing result to the payment party operating institution 600; the payment party operating institution 600 sends a transaction result to the wallet application terminal 700 according to the payment receiving processing result.

[0248] According to an embodiment of the present application, when the pay wallet account and the receive wallet account correspond to the same pay operator 600, the receiving institution 803 sends the payment request message to the pay operator 600; and the pay operator 600 sends a pay push request to the wallet application terminal background 801 according to the payment request message.

[0249] According to an embodiment of the present application, when the pay wallet account and the receive wallet account correspond to the same pay operator 600, the payment request message indicates the receive wallet account, and after the pay operator 600 performs a receive process on the receive wallet account using the digital currency corresponding to the pay amount, the pay operator 600 sends a transaction result to the wallet application terminal according to the receive process result and sends the receive process result to the receiving institution 803; and the receiving institution 803 sends the receive process result to the receive terminal 802 to display the receive process result.

[0250] According to an embodiment of the present application, the pay request further indicates the pay wallet account, and when the pay amount is greater than the free quota of the pay wallet account, the pay information includes a payment password, and the pay operator 600 determines whether to perform a second verification on the pay request when the payment password is verified, and if so, sends a second verification instruction to the wallet application terminal 700; and performs a pay process from the pay wallet account in response to verification information input by the wallet application terminal 700 according to the second verification instruction.

[0251] According to an embodiment of the present application, the pay operator 600 performs a risk assessment on the pay wallet account and the pay amount; and determines whether to perform a second verification on the pay request according to the result of the risk assessment.

[0252] According to an embodiment of the present application, the pay operator 600 determines whether the balance of the pay wallet account is not less than the pay amount; if so, determines a cumulative pay amount of the pay wallet account according to the sum of the pay amount and the historical pay amount of the pay wallet account; and performs a pay process from the pay wallet account when the pay amount is not greater than a preset single limit and the cumulative pay amount is not greater than a preset cumulative limit.

[0253] According to one embodiment of the present application, in the case that the balance of the payment wallet account is less than the payment amount, the payer operator 600 sends a top-up payment prompt to the wallet application terminal 700; the wallet application terminal 700 inputs top-up information according to the top-up payment prompt; and the payer operator 600 performs a top-up process on the payment wallet account according to the top-up information, and performs a payment process using the top-up payment wallet account.

[0254] According to the technical solution of the embodiment of the present application, a payment push request is sent to the wallet application terminal background according to a payment request, payment information is received which is input by the wallet application terminal according to a payment notification sent by the wallet application terminal background, and a payment process is performed using the digital currency corresponding to the payment amount, thereby realizing a payment process of the digital currency under a double-layer operation system.

[0255] Further, the payment code is sent to the wallet application terminal, thereby realizing payment after the wallet application terminal payment code is scanned, simplifying the payment process, and improving the convenience of payment; a result push request is sent to the wallet application terminal background according to a payment processing result, thereby realizing monitoring of the payment process by the wallet application terminal background; the payment request is risk evaluated, thereby realizing the purpose of secondary verification according to the risk evaluation result, and thereby ensuring the safety of payment; the payment amount is confirmed according to the limit of the payment wallet account, thereby reducing the financial risk of the payment wallet account; and in the case that the balance of the payment wallet account is insufficient, the payment wallet account can be topped up and paid by the way of top-up payment, thereby improving the payment efficiency.

[0256] Figure 9 An exemplary system architecture 900 of a digital currency payment method or a digital currency payment system to which an embodiment of the present application can be applied is shown.

[0257] As shown in Figure 9 The system architecture 900 can include terminal devices 901, 902, 903, a network 904 and a server 905. The network 904 is a medium for providing a communication link between the terminal devices 901, 902, 903 and the server 905. The network 904 can include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0258] A user can use the terminal devices 901, 902, 903 to interact with the server 905 through the network 904 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 901, 902, 903, such as commercial bank applications, digital currency wallet applications, payment software, etc. (only as examples).

[0259] The terminal devices 901, 902, 903 can be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0260] The server 905 can be a server providing various services, such as a background management server providing support for a payment request sent by a user using a terminal device 901, 902, 903 (only as an example). The background management server can process received payment request and the like data, and feed back the processing result (such as a payment processing result - only as an example) to the terminal device.

[0261] It should be noted that the payment method of the digital currency provided by the embodiment of the present application is generally executed by the server 905, and accordingly, the payment device of the digital currency is generally provided in the server 905.

[0262] It should be understood that, Figure 9 The number of terminal devices, networks and servers in may be only illustrative. Any number of terminal devices, networks and servers can be provided according to the implementation needs.

[0263] It should be understood that, Figure 9 The number of terminal devices, networks and servers in may be only illustrative. Any number of terminal devices, networks and servers can be provided according to the implementation needs.

[0264] Reference is made below to Figure 10 which shows a structural schematic diagram of a computer system 1000 of a terminal device suitable for implementing the embodiment of the present application. Figure 10 The terminal device shown is only an example and should not impose any limitation on the function and use range of the embodiment of the present application.

[0265] As shown in Figure 10 , the computer system 1000 includes a central processing unit (CPU) 1001 which can perform various appropriate actions and processes according to programs stored in a read-only memory (ROM) 1002 or programs loaded from a storage portion 1008 into a random access memory (RAM) 1003. Various programs and data required for the operation of the system 1000 are also stored in the RAM 1003. The CPU 1001, the ROM 1002, and the RAM 1003 are connected to each other through a bus 1004. An input / output (I / O) interface 1005 is also connected to the bus 1004.

[0266] The following components are connected to the I / O interface 1005: an input part 1006 including a keyboard, a mouse, etc.; an output part 1007 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage part 1008 including a hard disk, etc.; and a communication part 1009 including a network interface card such as a LAN card, a modem, etc. The communication part 1009 performs communication processing via a network such as the Internet. A drive 1010 is also connected to the I / O interface 1005 as necessary. A removable media 1011 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 1010 as necessary, so that a computer program read therefrom is installed in the storage part 1008 as necessary.

[0267] In particular, the processes described above with reference to the flowcharts can be implemented as a computer software program according to embodiments of the present disclosure. For example, embodiments of the present disclosure include a computer program product comprising a computer program carried on a computer readable medium, the computer program containing program code for executing the methods illustrated by the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network by the communication part 1009, and / or installed from the removable media 1011. When the computer program is executed by the central processing unit (CPU) 1001, the above-described functions defined in the system of the present disclosure are executed.

[0268] It should be noted that the computer-readable medium shown in the present application can be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may, for example, but is not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or component, or any combination of the above. More specific examples of computer-readable storage media can include, but are not limited to, an electrical connection having one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, device or component. In the present application, the computer-readable signal medium can include a data signal carried in a baseband or as a part of a carrier wave, which carries computer-readable program code. Such a propagated data signal can take various forms, including but not limited to an electromagnetic signal, an optical signal or any suitable combination of the above. The computer-readable signal medium can also be any computer-readable medium other than the computer-readable storage medium, which can send, propagate or transmit a program for use by or in conjunction with an instruction execution system, device or component. The program code contained on the computer-readable medium can be transmitted by any suitable medium, including but not limited to wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0269] The flow diagrams and block diagrams in the drawings are schematic illustrations of possible architectures, functions and operations of systems, methods and computer program products in accordance with various embodiments of the present application. In this regard, each block in the flow diagrams or block diagrams can represent a module, a segment, or a portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that in some alternative implementations, the functions noted in the blocks can occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently or the blocks may be executed in the reverse order, depending on the functionality involved. It will also be noted that each block of the block diagrams or flow diagrams, and combinations of blocks in the block diagrams or flow diagrams, can be implemented by special purpose hardware-based systems that perform the specified functions or operations, or combinations of special purpose hardware and computer instructions.

[0270] The modules described in the embodiments of the present application can be implemented in the form of software or in the form of hardware. The described modules can also be arranged in a processor, for example, a processor can be described as including an obtaining request module, a sending push request module, and a payment module. In some cases, the names of these modules do not constitute a limitation on the modules themselves, for example, the obtaining request module can also be described as a "module for obtaining a payment request".

[0271] As another aspect, the present application also provides a computer readable medium, which can be included in the device described in the above embodiments, or can exist independently without being assembled into the device. The computer readable medium carries one or more programs, which, when executed by the device, cause the device to include: obtaining a payment request, the payment request indicating a payment amount; sending a payment push request to a wallet application terminal background according to the payment request, so that the wallet application terminal background returns a payment notification to the wallet application terminal according to the payment push request; and performing payment processing using digital currency corresponding to the payment amount in response to payment information sent by the wallet application terminal according to the payment notification.

[0272] According to the technical solution of the embodiments of the present application, a payment push request is sent to a wallet application terminal background according to a payment request, payment information is received according to a payment notification sent by the wallet application terminal background, and payment processing is performed using digital currency corresponding to the payment amount, thereby realizing a payment process of digital currency in a double-layer operation system.

[0273] Further, a payment code is sent to the wallet application terminal, which realizes payment after the wallet application terminal payment code is scanned, simplifies the payment process, and improves the convenience of payment. A result push request is sent to the wallet application terminal background according to a collection processing result, which can realize monitoring of the payment process by the wallet application terminal background. Risk assessment is performed on the payment request, which realizes the purpose of secondary verification according to the risk assessment result, thereby ensuring the safety of payment. The payment amount is confirmed according to the limit of the payment wallet account, which can reduce the financial risk of the payment wallet account. When the balance of the payment wallet account is insufficient, the payment wallet account can be recharged and paid through the method of recharging payment, thereby improving the payment efficiency.

[0274] The above specific embodiments do not constitute a limitation on the protection scope of the present application. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principles of the present application shall be included in the protection scope of the present application.

Claims

1. A method of payment of a digital currency, characterized by, The application is applied to a payment operator, comprising: obtaining a payment request, the payment request indicating a payment amount; sending a payment push request to a wallet application terminal background according to the payment request, so that the wallet application terminal background generates a payment notification according to the payment push request, and returns a payment notification to the wallet application terminal, the payment push request being obtained by the payment operator according to a collection request sent by a collection operator, the collection request being generated by the collection operator according to a payment request message sent by a transaction order receiving institution, the payment request message being generated by the receiving institution according to a transaction order sent by a collection receiving terminal, the transaction order being generated and sent to the receiving institution by the collection receiving terminal according to a payment amount obtained from a payment code, a collection wallet account, a collection operator, a payment wallet account obtained from the payment code and a payment operator, and the payment code being sent to the wallet application terminal by the payment operator; in response to payment information sent by the wallet application terminal according to the payment notification, performing payment processing by using digital currency corresponding to the payment amount in a payment wallet account in the payment operator; sending a result push request to the wallet application terminal background according to the collection processing result returned by the collection operator, so that the wallet application terminal background monitors the payment process, generates a consumption result notification, and pushes the consumption result notification to the wallet application terminal.

2. The method of claim 1, wherein, Before the payment push request is sent to the wallet application terminal background, it further comprises: in response to the payment code request sent by the wallet application terminal, sending a payment code to the wallet application terminal, so that the collection receiving terminal scans the payment code to determine the payment amount, and sends a payment request message to the collection operator through the receiving institution.

3. The method of claim 1, wherein, In the case that the payment operator and the collection operator are different institutions, the payment operator and the collection operator communicate through an interworking platform; the payment push request sent to the wallet application terminal background comprises: receiving a collection request returned by the collection operator according to the payment request message through the interworking platform; sending a payment push request to the wallet application terminal background according to the collection request.

4. The method of claim 3, wherein, After the digital currency corresponding to the payment amount is used for payment processing, it further comprises: sending a payment processing result to the collection operator, so that the collection operator performs collection processing; in response to the collection processing result returned by the collection operator, sending a transaction result to the wallet application terminal.

5. The method of claim 2, wherein, In the case that the payment operator and the collection operator are the same institution, the payment push request sent to the wallet application terminal background comprises: sending a payment push request to the wallet application terminal background according to the payment request message.

6. The method of claim 5, wherein, The payment request message indicates a collection wallet account, and after the digital currency corresponding to the payment amount is used for payment processing, it further comprises: Performing a collection process on the collection wallet account; According to the collection processing result, the transaction result is sent to the wallet application terminal; The collection processing result is sent to the collection terminal through the receiving agency to enable the collection terminal to display.

7. The method of claim 1, wherein, The payment request also indicates a payment wallet account, and in the case that the payment amount is greater than the password-free amount of the payment wallet account, the payment information includes a payment password, and the payment process is performed using digital currency corresponding to the payment amount, including: In the case that the payment password verification is passed, it is determined whether to perform secondary verification on the payment request; If yes, send a secondary verification instruction to the wallet application terminal; In response to the verification information input by the wallet application terminal according to the secondary verification instruction, perform the payment process from the payment wallet account.

8. The method of claim 7, wherein, The determination of whether to perform secondary verification on the payment request includes: Risk assessment on the payment wallet account and the payment amount; According to the result of the risk assessment, it is determined whether to perform secondary verification on the payment request.

9. The method of claim 7, wherein, The payment process from the payment wallet account further includes: Determine whether the balance of the payment wallet account is not less than the payment amount; If yes, according to the sum of the payment amount and the historical payment amount of the payment wallet account, determine the cumulative payment amount of the payment wallet account; In the case that the payment amount is not greater than the preset single limit and the cumulative payment amount is not greater than the preset cumulative limit, perform the payment process from the payment wallet account.

10. The method of claim 9, wherein, In the case that the balance of the payment wallet account is less than the payment amount, further comprising: Send a recharge payment prompt to the wallet application terminal; In response to the recharge information input by the wallet application terminal according to the recharge payment prompt, recharge the payment wallet account, and perform the payment process using the recharged payment wallet account.

11. A payment device for digital currency, characterized by The device is applied to a payer operating agency, and the device includes: An acquisition module for acquiring a payment request, the payment request indicating a payment amount; A sending module for sending a payment push request to the wallet application terminal background according to the payment request, so that the wallet application terminal background generates a payment notification, and returns a payment notification to the wallet application terminal according to the payment push request, the payment push request being obtained by the payer operating agency according to a collection request sent by a payee operating agency, the collection request being generated by the payee operating agency according to a payment request message sent by a receiving agency of a transaction order, the payment request message being generated by the receiving agency according to a transaction order sent by a collection terminal, the transaction order being generated and sent to the receiving agency by the collection terminal according to the payment amount, the collection wallet account, the payee operating agency, the payment wallet account and the payer operating agency obtained from the payment code, the payment code being sent by the payer operating agency to the wallet application terminal; The payment module is configured to, in response to payment information sent by the wallet application terminal according to the payment notification, use digital currency corresponding to the payment amount in a payment wallet account in the payment party operating institution to perform payment processing; The sending module is further configured to, according to a collection processing result returned by the collection party operating institution, send a result push request to the wallet application terminal background, so that the wallet application terminal background monitors a payment process, generates a consumption result notification, and pushes the consumption result notification to the wallet application terminal.

12. A method of payment of a digital currency, characterized by, The application is applied to a wallet application terminal and includes: The payment notification is sent by the wallet application terminal background according to a payment push request sent by a payment party operating institution, the payment push request is obtained by the payment party operating institution according to a collection request sent by a collection party operating institution, the collection request is generated by the collection party operating institution according to a payment request message sent by a transaction order receiving institution, the payment request message is generated by the transaction order receiving institution according to a transaction order sent by a collection receiving terminal, the transaction order is generated and sent to the transaction order receiving institution by the collection receiving terminal according to a payment amount, a collection wallet account, a collection party operating institution, a payment wallet account and a payment party operating institution obtained from a payment code, and the payment code is sent to the wallet application terminal by the payment party operating institution; According to the payment notification, payment information is determined; The payment information is sent to the payment party operating institution, so that the payment party operating institution performs payment processing by using digital currency corresponding to the payment amount in a payment wallet account in the payment party operating institution; The consumption result notification is pushed by the wallet application terminal background, and the consumption result notification is generated by the wallet application terminal background according to a result push request sent by the collection party operating institution, so that the wallet application terminal background monitors a payment process.

13. The method of claim 12, wherein, Further comprising: In response to a payment operation of a user, a payment code request is sent to the payment party operating institution, so that the payment party operating institution generates a payment code according to the payment code request; The payment code is obtained, and the payment code is displayed to a collection receiving terminal.

14. The method of claim 12, wherein, Further comprising: The transaction result is received from the payment party operating institution, and the transaction result is displayed.

15. The method of claim 12, wherein, The payment notification indicates a payment amount and a payment wallet account, and the payment information is determined according to the payment notification, including: In the case that the payment amount is greater than the free password amount of the payment wallet account, a checkout counter is called; A payment password input by a user in the checkout counter is received, and the payment password is used as the payment information.

16. The method of claim 15, wherein, In the case that the payment password is verified, further comprising: In response to a secondary verification instruction sent by the payment party operating institution, secondary verification prompt information is displayed; Verification information input by the user according to the secondary verification prompt information is received, and the verification information is sent to the payment party operating institution for verification.

17. The method of claim 15, wherein, In a case that the balance of the payment wallet account is less than the payment amount, the determining payment information according to the payment notification further comprises: displaying a top-up payment prompt sent by the payer operating organization; receiving top-up information input by the user according to the top-up payment prompt, and sending the top-up information to the payer operating organization as the payment information, so that the payer operating organization top-up the payment wallet account.

18. A payment device for digital currency, characterized by The device is applied to a wallet application terminal, and the device comprises: a receiving module, configured to receive a payment notification sent by a wallet application terminal background, the payment notification being obtained by the wallet application terminal background according to a payment push request sent by a payer operating organization, the payment push request being obtained by the payer operating organization according to a payment request sent by a payee operating organization, the payment request being generated by the payee operating organization according to a payment request message sent by a transaction order receiving organization, the payment request message being generated by the transaction order receiving organization according to a transaction order sent by a payee receiving terminal, the transaction order being generated and sent by the payee receiving terminal to the transaction order receiving organization according to a payment amount, a payee wallet account, a payee operating organization, a payment wallet account and a payer operating organization obtained from a payment code, the payment code being sent by the payer operating organization to the wallet application terminal; a determining module, configured to determine payment information according to the payment notification; a sending module, configured to send the payment information to the payer operating organization, so that the payer operating organization performs payment processing by using digital currency corresponding to the payment amount in a payment wallet account in the payer operating organization according to the payment information; the receiving module is further configured to receive a consumption result notification pushed by the wallet application terminal background, the consumption result notification being generated by the wallet application terminal background according to a result push request sent by the payee operating organization, so as to enable the wallet application terminal background to monitor a payment process.

19. A method of payment of a digital currency, characterized by, comprise: a wallet application terminal sends a payment code request to a payer operating organization; the payer operating organization sends a payment code to the wallet application terminal according to the payment code request; a payee receiving terminal generates a transaction order according to a payment amount, a payee wallet account, a payee operating organization, a payment wallet account and a payer operating organization obtained from a payment code, and sends the transaction order to a receiving organization; the receiving organization generates a payment request message according to the transaction order; the payee receiving terminal scans a payment code displayed by the wallet application terminal, determines a payment amount, and sends a payment request message to a payee operating organization through the receiving organization; the payer operating organization sends a payment push request to a wallet application terminal background according to the payment request message; the wallet application terminal background generates a payment notification according to the payment push request, and pushes the payment notification to the wallet application terminal; The payee operating institution receives the payment information sent by the wallet application terminal according to the payment notification, and performs payment processing by using the digital currency corresponding to the payment amount in the payment wallet account in the payee operating institution; The payee operating institution sends a result push request to the wallet application terminal background according to the payment processing result returned by the payee operating institution; The wallet application terminal background monitors the payment process, generates a consumption result notification according to the result push request, and pushes the consumption result notification to the wallet application terminal.

20. The method of claim 19, wherein, In the case that the payee operating institution and the payee operating institution are different institutions, the receiving institution, the payee operating institution, the wallet application terminal background and the payee operating institution communicate through an intercommunication platform; The payment request message indicates a payee wallet account, and after the payment processing by using the digital currency corresponding to the payment amount, the payment request message further includes: The payee operating institution sends a payment processing result to the payee operating institution; The payee operating institution performs payment processing on the payee wallet account, and sends a payment processing result to the payee operating institution; The payee operating institution sends a transaction result to the wallet application terminal according to the payment processing result.

21. The method of claim 20, wherein, In the case that the payee wallet account and the payee wallet account correspond to the same payee operating institution, the payment push request sent to the wallet application terminal background includes: The receiving institution sends the payment request message to the payee operating institution; The payee operating institution sends a payment push request to the wallet application terminal background according to the payment request message. The payment request message indicates a payee wallet account, and after the payment processing by using the digital currency corresponding to the payment amount, the payment request message further includes:

22. The method of claim 19, wherein, The payee operating institution performs payment processing on the payee wallet account, according to the payment processing result, sends a transaction result to the wallet application terminal, and sends the payment processing result to the receiving institution; The receiving institution sends the payment processing result to the payee receiving terminal, so that the payee receiving terminal displays the payment processing result. The payment request further indicates a payment wallet account, and in the case that the payment amount is greater than the password-free quota of the payment wallet account, the payment information includes a payment password, and the payee operating institution performs payment processing by using the digital currency corresponding to the payment amount, including:

23. The method of claim 22, wherein, In the case that the payment password verification is passed, it is determined whether to perform secondary verification on the payment request; ​ ​ 24. The method of claim 19, wherein, ​ ​ If yes, sending a secondary verification instruction to the wallet application terminal; In response to verification information input by the wallet application terminal according to the secondary verification instruction, performing a payment process from the payment wallet account.

25. The method of claim 24, wherein, The payment party operating institution determines whether to perform secondary verification on the payment request, including: Performing risk assessment on the payment wallet account and the payment amount; According to the result of the risk assessment, it is determined whether to perform secondary verification on the payment request.

26. The method of claim 24, wherein, The payment party operating institution performs a payment process from the payment wallet account, further including: Determining whether the balance of the payment wallet account is not less than the payment amount; If yes, determining the cumulative payment amount of the payment wallet account according to the sum of the payment amount and the historical payment amount of the payment wallet account; In the case where the payment amount is not greater than a preset single limit and the cumulative payment amount is not greater than a preset cumulative limit, performing a payment process from the payment wallet account.

27. The method of claim 26, wherein, In the case where the balance of the payment wallet account is less than the payment amount, further including: The payment party operating institution sends a recharge payment prompt to the wallet application terminal; The wallet application terminal inputs recharge information according to the recharge payment prompt; The payment party operating institution performs a recharge process on the payment wallet account according to the recharge information, and performs a payment process using the recharged payment wallet account.

28. A payment system for a digital currency, characterized by Including: A wallet application terminal, configured to: send a payment code request, and display a payment code; A payment receiving terminal, configured to: scan the payment code displayed by the wallet application terminal, and generate a transaction order according to the payment amount, the payment wallet account, the payment party operating institution, the payment wallet account, and the payment party operating institution obtained from the payment code, and send the transaction order to an accepting institution; The accepting institution, configured to: generate a payment request message according to the transaction order; A payment party operating institution, configured to: obtain a payment request, the payment request indicating a payment amount; According to the payment request, send a payment push request to the wallet application terminal background, so that the wallet application terminal background returns a payment notification to the wallet application terminal according to the payment push request; In response to payment information sent by the wallet application terminal according to the payment notification, perform a payment process using the digital currency corresponding to the payment amount in the payment wallet account in the payment party operating institution; according to the payment processing result returned by the payment party operating institution, send a result push request to the wallet application terminal background; The wallet application terminal background, configured to: monitor the payment process, and generate a payment notification according to the payment push request, and push the payment notification to the wallet application terminal; configured to generate a consumption result notification according to the result push request, and push the consumption result notification to the wallet application terminal.

29. The system of claim 28, wherein, Further including: A payment party operating institution; wherein the payment party operating institution and the payment party operating institution are different institutions; The accepting institution, configured to: send the payment request message to the payment party operating institution; The payee operating institution is configured to generate a pay request according to the payment request message and send the pay request to the payer operating institution.

30. An electronic device, comprising: comprising: one or more processors; a memory 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 are caused to implement the method of any one of claims 1-10 or 12-17 or 19-27.

31. A computer readable medium having stored thereon a computer program, characterized in that, The program is executed by the processor to implement the method of any one of claims 1-10 or 12-17 or 19-27.

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