Consumption payment processing method and device, computer equipment and storage medium

Abstract

The invention relates to the field of financial science and technology, and particularly discloses a consumption payment processing method and device, computer equipment, a storage medium and a computer program product. The method comprises the following steps: in response to a consumption payment processing request submitted by a user side for a merchant side, obtaining commodity order information and digital currency residual information returned by a digital currency operation side; according to the digital currency consumption information and the digital currency residual information, determining difference information for the consumption payment processing request; and sending a digital currency transfer instruction generated based on the difference information to a digital currency operation end, so as to indicate the digital currency operation end to transfer the digital currency matched with the difference information from the public digital currency account to the user digital currency account, and transferring the digital currency matched with the digital currency consumption information from the user digital currency account to the merchant digital currency account. By adopting the method, the beneficial effect of improving the digital currency processing efficiency of the user in the consumption payment process can be achieved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and in particular to a consumer payment processing method, apparatus, computer equipment, storage medium and computer program product. Background Art

[0002] With the continuous development of electronic payment technology, users often make purchases by transferring digital currency.

[0003] At present, when users purchase goods, they often use digital currencies on multiple digital currency operating terminals to jointly complete the payment of goods, and the merchants providing goods will receive the digital currencies transferred by users on various virtual operating terminals. However, using this commodity payment method requires users to perform cumbersome digital currency transfer operations during the commodity payment process, such as calculating the digital currency consumption information required for commodity payment, applying for digital currency expenditure, and recharging digital currency. Multiple steps make the digital currency processing efficiency of users when making consumer payments low. Therefore, there is a problem in the traditional technology that the digital currency processing efficiency of users in the consumer payment process is low. Summary of the invention

[0004] Based on this, it is necessary to provide a consumer payment processing method, device, computer equipment, computer-readable storage medium and computer program product that can improve the efficiency of digital currency processing in the consumer payment process of users in response to the above-mentioned technical problems.

[0005] A consumption payment processing method, applied to a digital currency service platform, comprising:

[0006] In response to a consumer payment processing request submitted by the user end to the merchant end, obtain the commodity order information and digital currency remaining information returned by the digital currency operation end; the commodity order information includes the digital currency consumption information of the commodity targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operation end;

[0007] Determine the difference information for the consumption payment processing request based on the digital currency consumption information and the digital currency remaining information;

[0008] Send the digital currency transfer instruction generated based on the difference information to the digital currency operating end; the digital currency transfer instruction is used to instruct the digital currency operating end to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operating end to the user digital currency account; the digital currency operating end is used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant at the digital currency operating end.

[0009] In one embodiment, applied to the main scanning scenario, in response to a consumer payment processing request submitted by a user end to a merchant end, obtaining the commodity order information and the remaining digital currency information returned by the digital currency operation end includes:

[0010] When the user terminal scans the order payment QR code provided by the merchant terminal and confirms that the digital currency consumption information of the product has been obtained, receive the consumption payment processing request submitted by the user terminal to the merchant terminal;

[0011] Sending the consumption payment processing request to the digital currency operation end; the digital currency operation end is used to generate a consumption order according to the digital currency consumption information and merchant end information in the consumption payment processing request;

[0012] The digital currency operation end receives the order information corresponding to the consumption order; the order information includes the product order information and the remaining digital currency information.

[0013] In one embodiment, applied to the scanning scenario, in response to a consumer payment processing request submitted by a user end to a merchant end, obtaining the commodity order information and the remaining digital currency information returned by the digital currency operation end includes:

[0014] When the merchant scans the user payment QR code provided by the user and obtains the digital currency consumption information of the product, the merchant polls the order information of the digital currency operation end to obtain the order polling result;

[0015] According to the order polling results, determine the product order information and digital currency remaining information returned by the digital currency operation end.

[0016] In one embodiment, after the step of determining the difference information for the consumption payment processing request according to the digital currency consumption information and the digital currency remaining information, the method further includes:

[0017] Sending a difference information display instruction to the user terminal; the difference information display instruction is used to instruct the user terminal to display the difference information;

[0018] When the user terminal completes the confirmation operation on the difference information, a step is executed to determine the difference information for the consumption payment processing request based on the digital currency consumption information and the digital currency remaining information.

[0019] A consumption payment processing method, applied to a digital currency operation end, comprising:

[0020] Determine the product order information and digital currency remaining information according to the consumer payment processing request submitted by the user end to the merchant end; the product order information includes the digital currency consumption information of the product targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end;

[0021] Returning the product order information and the remaining digital currency information to the digital currency service platform; the digital currency service platform is used to determine the difference information for the consumption payment processing request based on the digital currency consumption information and the remaining digital currency information, and generate a digital currency transfer instruction based on the difference information;

[0022] According to the digital currency transfer instruction sent by the digital currency service platform, the digital currency matching the difference information is transferred from the public digital currency account established by the digital currency service platform at the digital currency operation end to the user's digital currency account;

[0023] The digital currency matching the digital currency consumption information is transferred from the user's digital currency account to the merchant's digital currency account established on the digital currency operation side.

[0024] In one embodiment, the method further comprises:

[0025] When the merchant's digital currency account receives digital currency transferred from the user's digital currency account that matches the digital currency consumption information, a notification of account arrival is sent to the merchant end; the merchant end is used to provide goods to the user end when receiving the notification of account arrival information.

[0026] A consumption payment processing device, applied to a digital currency service platform, comprising:

[0027] A response module, for responding to a consumer payment processing request submitted by a user end to a merchant end, and obtaining commodity order information and digital currency remaining information returned by a digital currency operation end; the commodity order information includes digital currency consumption information of the commodity targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operation end;

[0028] A determination module, used to determine the difference information for the consumption payment processing request according to the digital currency consumption information and the digital currency remaining information;

[0029] The sending module is used to send a digital currency transfer instruction generated based on the difference information to the digital currency operating end; the digital currency transfer instruction is used to instruct the digital currency operating end to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operating end to the user digital currency account; the digital currency operating end is used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant at the digital currency operating end.

[0030] In one of the embodiments, the response module is specifically used to: receive a consumption payment processing request submitted by the user end to the merchant end when the user end scans the order payment QR code provided by the merchant end and confirms that the digital currency consumption information of the product has been obtained; send the consumption payment processing request to the digital currency operation end; the digital currency operation end is used to generate a consumption order according to the digital currency consumption information and merchant end information in the consumption payment processing request; receive the order information corresponding to the consumption order returned by the digital currency operation end; the order information includes the product order information and the remaining digital currency information.

[0031] In one of the embodiments, the response module is specifically used to: when the merchant scans the user payment QR code provided by the user end and obtains the digital currency consumption information of the product, poll the order information of the digital currency operation end to obtain the order polling result; based on the order polling result, determine the product order information and digital currency remaining information returned by the digital currency operation end.

[0032] In one embodiment, the device further comprises:

[0033] The display module is used to send a difference information display instruction to the user terminal; the difference information display instruction is used to instruct the user terminal to display the difference information; when the user terminal completes the confirmation operation of the difference information, the step of determining the difference information for the consumption payment processing request based on the digital currency consumption information and the digital currency remaining information is executed.

[0034] A consumption payment processing device, applied to a digital currency operation terminal, comprising:

[0035] The request module is used to determine the commodity order information and the remaining digital currency information according to the consumer payment processing request submitted by the user end to the merchant end; the commodity order information includes the digital currency consumption information of the commodity targeted by the consumer payment processing request; the remaining digital currency information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operation end;

[0036] A return module, used to return the product order information and the remaining digital currency information to the digital currency service platform; the digital currency service platform is used to determine the difference information for the consumer payment processing request based on the digital currency consumption information and the remaining digital currency information, and generate a digital currency transfer instruction based on the difference information;

[0037] A first transfer module, configured to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operation end to the user digital currency account according to the digital currency transfer instruction sent by the digital currency service platform;

[0038] The second transfer module is used to transfer the digital currency matching the digital currency consumption information from the user's digital currency account to the merchant's digital currency account established at the digital currency operation end.

[0039] In one embodiment, the device further comprises:

[0040] The notification module is used to send a notification of account arrival information to the merchant end when the merchant's digital currency account receives digital currency transferred from the user's digital currency account that matches the digital currency consumption information; the merchant end is used to provide goods to the user end when receiving the notification of account arrival information.

[0041] A computer device includes a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the above method when executing the computer program.

[0042] A computer-readable storage medium stores a computer program, which implements the steps of the above method when executed by a processor.

[0043] A computer program product comprises a computer program, which implements the steps of the above method when executed by a processor.

[0044] The above-mentioned consumer payment processing method, device, computer equipment, storage medium and computer program product obtain the commodity order information and digital currency remaining information returned by the digital currency operating end by responding to the consumer payment processing request submitted by the user end to the merchant end; the commodity order information includes the digital currency consumption information of the commodity targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end; according to the digital currency consumption information and the digital currency remaining information, determine the difference information for the consumer payment processing request; send the digital currency transfer instruction generated based on the difference information to the digital currency operating end; the digital currency transfer instruction is used to instruct the digital currency operating end to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operating end to the user digital currency account; the digital currency operating end is used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant end at the digital currency operating end Account; in this way, by linking the digital currency service platform with the digital currency operation end, it is possible to quickly determine the difference information based on the remaining digital currency in the user's digital currency account and the digital currency consumption information of the goods when the remaining digital currency in the user's digital currency account is insufficient to pay for the goods consumed by the user, and send a digital currency transfer instruction to the digital currency operation end, so that the digital currency operation end can quickly transfer the corresponding digital currency from the public digital currency account to the user's digital currency account based on the difference information, and then transfer the corresponding digital currency from the user's digital currency account to the merchant's digital currency account based on the consumption information of the goods, so as to complete the user's consumption payment for the goods. In this process, the user does not need to manually calculate the difference information, nor does he need to use the digital currency service platform to spend digital currency, recharge digital currency in the digital currency operation end, complete payment through the digital currency operation end and other payment steps, and can quickly complete the consumption payment for the goods, thereby achieving the beneficial effect of improving the digital currency processing efficiency of the user in the consumption payment process. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] FIG1 is an application environment diagram of a consumption payment processing method in one embodiment;

[0046] FIG2 is a schematic diagram of a flow chart of a consumption payment processing method in one embodiment;

[0047] Figure 3 It is a flowchart of a consumption payment processing method in a main scanning scenario in one embodiment;

[0048] Figure 4 It is a flowchart of a consumption payment processing method in a scanning scenario in one embodiment;

[0049] Figure 5 A schematic diagram of a flow chart of a consumption payment processing step in another embodiment;

[0050] Figure 6 A schematic diagram of a consumption payment processing method in one embodiment;

[0051] Figure 7 It is a structural block diagram of a consumption payment processing device in one embodiment;

[0052] Figure 8 It is a structural block diagram of a consumption payment processing device in one embodiment;

[0053] FIG. 9 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0054] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0055] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0056] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure.

[0057] The consumption payment processing method provided in the embodiment of the present application can be applied in the application environment shown in Figure 1. Among them, the server of the digital currency operation end 102 communicates with the server of the digital currency service platform 104 through the network. The digital currency operation end data storage system can store the data that the server of the digital currency operation end 102 needs to process. The digital currency operation end data storage system can be integrated on the server of the digital currency operation end 102, or it can be placed on the cloud or other network servers. The digital currency service platform data storage system can store the data that the server of the digital currency service platform 104 needs to process. The digital currency service platform data storage system can be integrated on the server of the digital currency service platform 104, or it can be placed on the cloud or other network servers. The server of the digital currency service platform 104 responds to the consumer payment processing request submitted by the user end to the merchant end, and obtains the commodity order information and digital currency remaining information returned by the server of the digital currency operation end 102; the commodity order information includes the digital currency consumption information of the commodity targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operation end 102; the server of the digital currency service platform 104 determines the difference information for the consumer payment processing request based on the digital currency consumption information and the digital currency remaining information; the server 104 of the digital currency service platform sends a digital currency transfer instruction generated based on the difference information to the digital currency operation end 102; the digital currency transfer instruction is used to instruct the digital currency operation end 102 to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform 104 at the digital currency operation end 102 to the user digital currency account; the digital currency operation end 102 is used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant end at the digital currency operation end 102. Among them, the server of the digital currency operating terminal 102 and the server of the digital currency service platform 104 can be implemented by an independent server or a server cluster composed of multiple servers.

[0058] In one embodiment, as shown in FIG. 2 , a consumption payment processing method is provided, which is described by taking the method applied to the server of the digital currency service platform 104 in FIG. 1 as an example, and includes the following steps:

[0059] Step S202, in response to the consumer payment processing request submitted by the user end to the merchant end, obtain the product order information and digital currency remaining information returned by the digital currency operating end; the product order information includes the digital currency consumption information of the product targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end.

[0060] The user end may be an electronic device terminal held by a user, for example, the user end may be a mobile phone, tablet, etc. of the user.

[0061] The merchant end may be a server used by the merchant for the purpose of providing goods.

[0062] The consumption payment processing request may be a processing request initiated by a user to a merchant when the user needs to pay for the goods he / she purchased.

[0063] Among them, the digital currency operation end can be the operation end that interacts and manages digital currency.

[0064] Among them, the digital currency consumption information may refer to the price information of the commodity.

[0065] The product order information may include information such as the time when the user places an order, the quantity of the products, the price of the products, the brand of the products, and the category of the products.

[0066] Among them, the user's digital currency account can be an account registered by the user at the digital currency operator.

[0067] Among them, the remaining amount of digital currency can be the remaining amount of digital currency in the account registered by the user at the digital currency operation end.

[0068] In a specific implementation, the server of the digital currency service platform 104 responds to the consumption payment request submitted by the user end to the merchant end, obtains the commodity order information returned by the digital currency operation end 102 and the remaining amount of digital currency in the user's account registered with the digital currency operation end.

[0069] Step S204, determining the difference information for the consumption payment processing request based on the digital currency consumption information and the digital currency remaining information.

[0070] The difference information may be the difference between the price of the product and the amount of digital currency owned by the user.

[0071] In a specific implementation, the server of the digital currency service platform 104 determines the difference information for the consumption payment processing request based on the digital currency consumption information and the digital currency remaining information.

[0072] For example, the server of the digital currency service platform determines the difference information based on the price value of the product and the remaining amount of digital currency in the user's account in the digital currency operation terminal.

[0073] In actual applications, when the value represented by the digital currency consumption information is less than the digital currency remaining information, there is no need to determine the difference information. For example, when the price of a product is less than the amount of digital currency owned by the user, it is determined that the user can complete the consumption payment of the product with the amount of digital currency owned by the user.

[0074] In actual applications, after determining the difference information, the digital currency service platform 104 also needs to determine whether it can send a digital currency transfer instruction to the digital currency operation terminal 102 based on the loan credit limit of the user terminal on the digital currency service platform.

[0075] Step S206, sending the digital currency transfer instruction generated based on the difference information to the digital currency operating end; the digital currency transfer instruction is used to instruct the digital currency operating end to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operating end to the user digital currency account; the digital currency operating end is used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant at the digital currency operating end.

[0076] Among them, the digital currency transfer instruction may refer to an instruction to transfer digital currency in one digital currency account to another digital currency account. For example, the digital currency transfer instruction may refer to an instruction to transfer digital currency in a user account in a digital currency operation end to a merchant account, or it may refer to an instruction to transfer digital currency in an account of a digital currency service platform in a digital currency operation end to a user account.

[0077] Among them, the digital currency service platform can be a platform that provides digital currency transfer services to users, for example, a loan service platform.

[0078] Among them, the public digital currency account can be an account opened by the digital currency service platform in the name of the platform at the digital currency operation terminal 102.

[0079] Among them, the merchant digital currency account can be an account registered by the merchant at the digital currency operating terminal 102.

[0080] In the specific implementation, the server of the digital currency service platform 104 sends a digital currency transfer instruction generated based on the difference information to the digital currency operating end 102, instructing the digital currency operating end 102 to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform 104 at the digital currency operating end 102 to the user digital currency account established by the user at the digital currency operating end 102. The digital currency operating end 102 then transfers the digital currency matching the digital currency consumption information of the commodity from the user digital currency account to the merchant digital currency account established by the merchant at the digital currency operating end 102.

[0081] For example, the server of the digital currency service platform sends a digital currency transfer instruction generated based on the difference information to the digital currency operation end, instructing the digital currency operation end to transfer the difference amount from the public account established by the digital currency service platform at the digital currency operation end to the user's digital currency wallet account at the digital currency operation end, and then the digital currency operation end transfers the amount of the payable price of the goods from the user's digital currency wallet account to the merchant's digital currency wallet account.

[0082] In the above-mentioned consumer payment processing method, by responding to the consumer payment processing request submitted by the user end to the merchant end, the commodity order information and digital currency remaining information returned by the digital currency operating end are obtained; the commodity order information includes the digital currency consumption information of the commodity targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end; according to the digital currency consumption information and the digital currency remaining information, the difference information for the consumer payment processing request is determined; the digital currency transfer instruction generated based on the difference information is sent to the digital currency operating end; the digital currency transfer instruction is used to instruct the digital currency operating end to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operating end to the user digital currency account; the digital currency operating end is used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant end at the digital currency operating end; in this way, through the digital currency The digital currency service platform is linked to the digital currency operation end, so that when the remaining amount of digital currency in the user's digital currency account is insufficient to pay for the goods consumed by the user, the difference information can be quickly determined based on the remaining amount of digital currency in the user's digital currency account and the digital currency consumption information of the goods, and a digital currency transfer instruction can be sent to the digital currency operation end, so that the digital currency operation end can quickly transfer the corresponding digital currency from the public digital currency account to the user's digital currency account based on the difference information, and then transfer the corresponding digital currency from the user's digital currency account to the merchant's digital currency account based on the consumption information of the goods to complete the user's consumption payment for the goods. In this process, the user does not need to manually calculate the difference information, nor does he need to use the digital currency service platform to spend digital currency, recharge digital currency in the digital currency operation end, complete payment through the digital currency operation end and other payment steps, and can quickly complete the consumption payment for the goods, thereby achieving the beneficial effect of improving the digital currency processing efficiency of the user in the consumption payment process.

[0083] In another embodiment, it is applied to the main scanning scenario, in response to the consumption payment processing request submitted by the user end to the merchant end, the product order information and digital currency remaining information returned by the digital currency operating end are obtained, including: when the user end scans the order payment QR code provided by the merchant end and confirms that the digital currency consumption information of the product is obtained, the consumption payment processing request submitted by the user end to the merchant end is received; the consumption payment processing request is sent to the digital currency operating end; the digital currency operating end is used to generate a consumption order according to the digital currency consumption information and merchant end information in the consumption payment processing request; the order information corresponding to the consumption order returned by the digital currency operating end is received; the order information includes the product order information and the digital currency remaining information.

[0084] Among them, the order payment QR code can be a payment QR code generated by the merchant based on the goods consumed by the user.

[0085] Among them, the consumption order can be the order generated when the user purchases the goods.

[0086] In the specific implementation, when the user scans the order payment QR code provided by the merchant and confirms that the digital currency consumption information of the product has been obtained, the server of the digital currency service platform 104 receives the consumption payment processing request submitted by the user to the merchant. The server of the digital currency service platform 104 then sends the consumption payment processing request to the digital currency operation end 102. The digital currency operation end 102 generates a consumption order based on the digital currency consumption information and merchant information in the consumption payment processing request. The server of the digital currency service platform 104 then receives the product order information and digital currency remaining information corresponding to the consumption order returned by the digital currency operation end 102.

[0087] The technical solution of this embodiment is to receive a consumption payment processing request submitted by the user end to the merchant end when the user end scans the order payment QR code provided by the merchant end and confirms that the digital currency consumption information of the product has been obtained; send the consumption payment processing request to the digital currency operation end; the digital currency operation end is used to generate a consumption order according to the digital currency consumption information and merchant end information in the consumption payment processing request; receive the order information corresponding to the consumption order returned by the digital currency operation end; the order information includes the product order information and the remaining digital currency information; in this way, when the user end scans the order payment QR code provided by the merchant end and confirms that the digital currency consumption information of the product has been obtained, the product order information and the remaining digital currency information can be quickly obtained, thereby improving the information processing efficiency of the digital currency service platform when determining the difference information in the main scanning scenario, thereby achieving the beneficial effect of improving the digital currency processing efficiency of users in the consumption payment process.

[0088] In another embodiment, it is applied to the scanning scenario, in response to the consumption payment processing request submitted by the user end to the merchant end, the commodity order information and the remaining digital currency information returned by the digital currency operation end are obtained, including: when the merchant end scans the user payment QR code provided by the user end and obtains the digital currency consumption information of the commodity, the order information of the digital currency operation end is polled to obtain the order polling result; according to the order polling result, the commodity order information and the remaining digital currency information returned by the digital currency operation end are determined.

[0089] Among them, the user payment QR code can be a payment QR code displayed to the user when the user makes a payment. For example, the user payment QR code can be the user's WeChat payment QR code.

[0090] Among them, the order polling result can be a new order received by the digital currency operation end.

[0091] In the specific implementation, when the merchant scans the user payment QR code provided by the user end and obtains the digital currency consumption information of the product, the server of the digital currency service platform 104 polls the order information of the digital currency operation end 102 to obtain the order polling result. The server of the digital currency service platform 104 then determines the product order information and digital currency remaining information returned by the digital currency operation end 102 based on the order polling result.

[0092] The technical solution of this embodiment is to obtain an order polling result by polling the order information of the digital currency operation end when the merchant end scans the user payment QR code provided by the user end and obtains the digital currency consumption information of the product; and determine the product order information and digital currency remaining information returned by the digital currency operation end according to the order polling result; in this way, when the merchant end scans the user payment QR code provided by the user end and confirms that the digital currency consumption information of the product has been obtained, the order polling result can be obtained quickly and timely by polling the order information of the digital currency operation end, and then the product order information and digital currency remaining information can be obtained quickly, thereby achieving the beneficial effect of improving the information processing efficiency of the digital currency service platform when determining the difference information in the scanned scenario, thereby achieving the beneficial effect of improving the digital currency processing efficiency of users in the consumption payment process.

[0093] In another embodiment, after the step of determining the difference information for the consumer payment processing request based on the digital currency consumption information and the digital currency remaining information, the method also includes: sending a difference information display instruction to the user end; the difference information display instruction is used to instruct the user end to display the difference information; when the user end completes the confirmation operation of the difference information, executing the step of determining the difference information for the consumer payment processing request based on the digital currency consumption information and the digital currency remaining information.

[0094] Among them, the difference information display instruction can be an instruction for instructing the user terminal to display the difference between the price value of the product and the amount of digital currency owned by the user.

[0095] In the specific implementation, after the server of the digital currency service platform 104 determines the difference information for the consumer payment processing request based on the digital currency consumption information and the digital currency remaining information, the server of the digital currency service platform 104 sends a difference information display instruction to the user terminal to instruct the user terminal to display the difference information. When the user terminal completes the confirmation operation of the difference information, the server of the digital currency service platform 104 executes the step of determining the difference information for the consumer payment processing request based on the digital currency consumption information and the digital currency remaining information.

[0096] The technical solution of this embodiment is to send a difference information display instruction to the user terminal; the difference information display instruction is used to instruct the user terminal to display the difference information; when the user terminal completes the confirmation operation of the difference information, execute the step of determining the difference information for the consumer payment processing request based on the digital currency consumption information and the digital currency remaining information; in this way, after determining the difference information, the user terminal can quickly confirm the difference information, thereby achieving the beneficial effect of improving the efficiency of digital currency transfer between digital currency accounts in the digital currency operation terminal, and further achieving the beneficial effect of improving the efficiency of digital currency processing during the user's consumer payment process.

[0097] In order to facilitate the understanding of those skilled in the art, take the loan service platform linked to the digital currency operation end as an example. Figure 3 A flowchart of a consumption payment processing method in a main scanning scenario is exemplarily provided. Figure 4 A flow chart of a consumption payment processing method in a scanning scenario is provided exemplarily.

[0098] Among them, in Figure 3In the main scanning scenario shown, the user terminal scans the order payment QR code provided by the merchant terminal and enters the product price information to initiate a consumption payment processing request; the loan service platform responds to the consumption payment processing request and transmits the product price information and merchant information to the digital currency operation terminal; the digital currency operation terminal generates a consumption order based on the product price information and merchant information transmitted by the loan service platform, and returns the order information corresponding to the consumption order to the loan service platform. At the same time, the digital currency operation terminal determines the digital currency balance of the user's digital currency account; the loan service platform calculates the difference based on the order information and the digital currency balance of the user's digital currency account, generates a loan, and sends a difference information display instruction to the user terminal to instruct the user terminal to display the difference. amount; when the user terminal completes the confirmation operation of the difference, the user terminal sends a payment instruction to the loan service platform, and the loan service platform generates a transfer and payment instruction to the digital currency operation terminal according to the payment instruction sent by the user terminal; when the digital currency operation terminal receives the transfer and payment instruction from the loan service platform, it transfers the digital currency in the digital currency public wallet account established by the loan service platform on the digital currency operation terminal to the user's digital currency account for the difference, and further transfers the digital currency in the user's digital currency account to the digital currency account of the merchant for the payable price of the goods. The digital currency operation terminal then sends a notification of the arrival of the account to the merchant terminal, so that the merchant terminal provides the goods, completes the consumption, and the user of the user terminal takes the goods away.

[0099] Among them, in Figure 4 In the main scanning scenario shown, the merchant terminal scans the user payment QR code provided by the user terminal and enters the product price information to initiate a consumption payment processing request; the digital currency operation terminal generates a consumption order according to the consumption payment processing request, and returns the order information corresponding to the consumption order to the loan service platform. At the same time, the digital currency operation terminal determines the digital currency balance of the user's digital currency account; the loan service platform calculates the difference according to the order information and the digital currency balance of the user's digital currency account, generates a loan, and generates a transfer and payment instruction to send to the digital currency operation terminal. At the same time, the loan service platform polls the digital currency operation terminal for order information; when the digital currency operation terminal receives the transfer and payment instruction from the loan service platform, the digital currency operation terminal transfers the difference in the digital currency public account established by the loan service platform at the digital currency operation terminal to the user's digital currency account, and further, transfers the digital currency in the user's digital currency account to the digital currency account of the merchant for the payable price of the goods. The digital currency operation terminal then sends a notification of the arrival of the account to the merchant terminal, so that the merchant terminal provides the goods, completes the consumption transaction, and the user of the user terminal takes the goods away.

[0100] In another embodiment, Figure 5As shown, a consumption payment processing method is provided, which is described by taking the method applied to the server of the digital currency service platform 104 in FIG. 1 as an example, and includes the following steps:

[0101] Step S502, in response to the consumer payment processing request submitted by the user end to the merchant end, obtain the product order information and digital currency remaining information returned by the digital currency operating end; the product order information includes the digital currency consumption information of the product targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end.

[0102] Step S504, determining the difference information for the consumption payment processing request based on the digital currency consumption information and the digital currency remaining information.

[0103] Step S506, sending a difference information display instruction to the user terminal; the difference information display instruction is used to instruct the user terminal to display the difference information.

[0104] Step S508, when the user terminal completes the confirmation operation of the difference information, execute the step of determining the difference information for the consumption payment processing request based on the digital currency consumption information and the digital currency remaining information.

[0105] Step S510, sending a digital currency transfer instruction generated based on the difference information to the digital currency operating end; the digital currency transfer instruction is used to instruct the digital currency operating end to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operating end to the user digital currency account; the digital currency operating end is used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant at the digital currency operating end.

[0106] It should be noted that the specific limitations of the above steps can refer to the specific limitations of a consumer payment processing method mentioned above.

[0107] In one embodiment, Figure 6 As shown, a consumption payment processing method is provided, which is described by taking the method applied to the server of the digital currency operating terminal 102 in FIG. 1 as an example, and includes the following steps:

[0108] Step S602, according to the consumer payment processing request submitted by the user end to the merchant end, determine the product order information and the digital currency remaining information; the product order information includes the digital currency consumption information of the product targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end.

[0109] In a specific implementation, the server of the digital currency operating end 102 determines the digital currency consumption information of the goods and the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end according to the consumption payment processing request submitted by the user end to the merchant end.

[0110] Step S604, returning the product order information and the remaining digital currency information to the digital currency service platform; the digital currency service platform is used to determine the difference information for the consumer payment processing request based on the digital currency consumption information and the remaining digital currency information, and generate a digital currency transfer instruction based on the difference information.

[0111] In the specific implementation, the server of the digital currency operating end 102 returns the digital currency consumption information of the goods and the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end 102 to the digital currency service platform 104, so that the digital currency service platform 104 determines the difference information for the consumer payment processing request based on the digital currency consumption information and the digital currency remaining information, and generates a digital currency transfer instruction based on the difference information.

[0112] Step S606, according to the digital currency transfer instruction sent by the digital currency service platform, the digital currency matching the difference information is transferred from the public digital currency account established by the digital currency service platform at the digital currency operation end to the user digital currency account.

[0113] In the specific implementation, the server of the digital currency transfer platform 102 transfers the digital currency matching the difference information from the public digital currency account established by the digital currency service platform 104 at the digital currency operation end 102 to the user's digital currency account according to the digital currency transfer instruction sent by the digital currency service platform 104.

[0114] Step S608, transferring the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant at the digital currency operation end.

[0115] In a specific implementation, the server of the digital currency transfer platform 102 transfers the digital currency matching the digital currency consumption information from the user's digital currency account to the merchant's digital currency account established at the digital currency operation end 102 .

[0116] In the above-mentioned consumer payment processing method, the product order information and the remaining digital currency information are determined according to the consumer payment processing request submitted by the user end to the merchant end; the product order information includes the digital currency consumption information of the product targeted by the consumer payment processing request; the remaining digital currency information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end; the product order information and the remaining digital currency information are returned to the digital currency service platform; the digital currency service platform is used to determine the difference information for the consumer payment processing request according to the digital currency consumption information and the remaining digital currency information, and generate a digital currency transfer instruction based on the difference information; according to the digital currency transfer instruction sent by the digital currency service platform, the digital currency matching the difference information is transferred from the public digital currency account established by the digital currency service platform at the digital currency operating end to the user digital currency account; the digital currency matching the digital currency consumption information is transferred from The user's digital currency account is transferred to the merchant's digital currency account established on the digital currency operation end by the merchant; in this way, through the linkage of the digital currency operation end with the digital currency service screen, it is possible to quickly transfer the corresponding digital currency from the public digital currency account to the user's digital currency account based on the difference information when receiving the digital currency transfer instruction generated by the digital currency service platform based on the difference information, and then transfer the corresponding digital currency from the user's digital currency account to the merchant's digital currency account based on the consumption information of the goods to complete the user's consumption payment for the goods. In this process, the user does not need to manually calculate the difference information, nor does he need to use the digital currency service platform to spend digital currency, recharge digital currency in the digital currency operation end, and complete payment through the digital currency operation end and other payment steps, and can quickly complete the consumption payment for the goods, thereby achieving the beneficial effect of improving the digital currency processing efficiency of the user in the consumption payment process.

[0117] In another embodiment, the method further includes: when the merchant's digital currency account receives digital currency transferred from the user's digital currency account that matches the digital currency consumption information, sending a notification of account arrival information to the merchant end; the merchant end is configured to provide goods to the user end upon receiving the notification of account arrival information.

[0118] In a specific implementation, when the merchant's digital currency account receives digital currency transferred from the user's digital currency account that matches the digital currency consumption information, the server of the digital currency operating end 102 sends a notification of account arrival to the merchant, so that the merchant can provide goods to the user upon receiving the notification of account arrival.

[0119] The technical solution of this embodiment is to send a notification of account arrival to the merchant side when the merchant's digital currency account receives the digital currency transferred from the user's digital currency account that matches the digital currency consumption information; the merchant side is used to provide goods to the user side when receiving the notification of account arrival information. In this way, when the transfer of digital currency is completed, the merchant side can be quickly notified to provide goods to the user side, thereby achieving the beneficial effect of improving the efficiency of consumer payment processing.

[0120] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0121] Based on the same inventive concept, the embodiment of the present application also provides a consumer payment processing device for implementing the consumer payment processing method involved above. The implementation solution provided by the device to solve the problem is similar to the implementation solution recorded in the above method, so the specific limitations in one or more consumer payment processing device embodiments provided below can refer to the limitations of the consumer payment processing method above, and will not be repeated here.

[0122] In one embodiment, Figure 7 As shown, a consumption payment processing device is provided, comprising:

[0123] The response module 702 is specifically used to respond to the consumer payment processing request submitted by the user end to the merchant end, and obtain the commodity order information and digital currency remaining information returned by the digital currency operation end; the commodity order information includes the digital currency consumption information of the commodity targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operation end;

[0124] The determination module 704 is specifically used to determine the difference information for the consumption payment processing request according to the digital currency consumption information and the digital currency remaining information;

[0125] The sending module 706 is specifically used to send the digital currency transfer instruction generated based on the difference information to the digital currency operating end; the digital currency transfer instruction is used to instruct the digital currency operating end to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operating end to the user digital currency account; the digital currency operating end is used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant at the digital currency operating end.

[0126] In one of the embodiments, applied to the main scanning scenario, the response module 702 is specifically used to receive a consumption payment processing request submitted by the user end to the merchant end when the user end scans the order payment QR code provided by the merchant end and confirms that the digital currency consumption information of the product has been obtained; send the consumption payment processing request to the digital currency operating end; the digital currency operating end is used to generate a consumption order according to the digital currency consumption information and merchant end information in the consumption payment processing request; receive the order information corresponding to the consumption order returned by the digital currency operating end; the order information includes the product order information and the remaining digital currency information.

[0127] In one of the embodiments, applied to the scanning scenario, the response module 702 is specifically used to poll the order information of the digital currency operation end to obtain the order polling result when the merchant end scans the user payment QR code provided by the user end and obtains the digital currency consumption information of the product; according to the order polling result, determine the product order information and digital currency remaining information returned by the digital currency operation end.

[0128] In one embodiment, the device also includes: a display module, specifically used to send a difference information display instruction to the user terminal; the difference information display instruction is used to instruct the user terminal to display the difference information; when the user terminal completes the confirmation operation of the difference information, execute the step of determining the difference information for the consumption payment processing request based on the digital currency consumption information and the digital currency remaining information.

[0129] In one embodiment, Figure 8 As shown, a consumption payment processing device is provided, comprising:

[0130] The request module 802 is specifically used to determine the commodity order information and the digital currency remaining information according to the consumption payment processing request submitted by the user end to the merchant end; the commodity order information includes the digital currency consumption information of the commodity targeted by the consumption payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end;

[0131] The return module 804 is specifically used to return the commodity order information and the remaining digital currency information to the digital currency service platform; the digital currency service platform is used to determine the difference information for the consumption payment processing request according to the digital currency consumption information and the remaining digital currency information, and generate a digital currency transfer instruction based on the difference information;

[0132] The first transfer module 806 is specifically configured to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operation end to the user digital currency account according to the digital currency transfer instruction sent by the digital currency service platform;

[0133] The second transfer module 808 is specifically used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant at the digital currency operation end.

[0134] In one of the embodiments, the device also includes: a notification module, which is specifically used to send a notification of account arrival information to the merchant end when the merchant's digital currency account receives digital currency transferred from the user's digital currency account that matches the digital currency consumption information; the merchant end is used to provide goods to the user end when receiving the notification of account arrival information.

[0135] Each module in the above-mentioned consumption payment processing device can be implemented in whole or in part by software, hardware or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute the operations corresponding to each module above.

[0136] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be shown in FIG9 . The computer device includes a processor, a memory, and a network interface connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store consumer payment processing data. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a consumer payment processing method is implemented.

[0137] Those skilled in the art will understand that the structure shown in FIG. 9 is merely a block diagram of a partial structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different arrangement of components.

[0138] In one embodiment, a computer device is provided, including a memory and a processor, wherein the memory stores a computer program, and when the computer program is executed by the processor, the processor executes the steps of the above-mentioned consumption payment processing method. The steps of the consumption payment processing method here may be the steps of the consumption payment processing method in each of the above-mentioned embodiments.

[0139] In one embodiment, a computer-readable storage medium is provided, which stores a computer program. When the computer program is executed by a processor, the processor executes the steps of the above-mentioned consumption payment processing method. The steps of the consumption payment processing method here can be the steps of the consumption payment processing method in each of the above-mentioned embodiments.

[0140] In one embodiment, a computer program product is provided, including a computer program, which, when executed by a processor, causes the processor to execute the steps of the above-mentioned consumption payment processing method. The steps of the consumption payment processing method here may be the steps of the consumption payment processing method in each of the above-mentioned embodiments.

[0141] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0142] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.

[0143] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0144] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A consumption payment processing method, characterized in that: Applied to a digital currency service platform, the method comprises: In response to a consumer payment processing request submitted by a user end to a merchant end, obtaining commodity order information and digital currency remaining information returned by a digital currency operating end; the commodity order information includes digital currency consumption information of the commodity targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end; Determining the difference information for the consumption payment processing request according to the digital currency consumption information and the digital currency remaining information; A digital currency transfer instruction generated based on the difference information is sent to the digital currency operating end; the digital currency transfer instruction is used to instruct the digital currency operating end to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operating end to the user digital currency account; the digital currency operating end is used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant end at the digital currency operating end.

2. The method according to claim 1, characterized in that Applied to the main scanning scenario, the response to the consumer payment processing request submitted by the user end to the merchant end, obtaining the commodity order information and the remaining digital currency information returned by the digital currency operation end, includes: When the user terminal scans the order payment QR code provided by the merchant terminal and confirms that the digital currency consumption information of the commodity is obtained, receiving the consumption payment processing request submitted by the user terminal to the merchant terminal; Sending the consumption payment processing request to the digital currency operating end; the digital currency operating end is used to generate a consumption order according to the digital currency consumption information and merchant end information in the consumption payment processing request; Receive the order information corresponding to the consumption order returned by the digital currency operation end; the order information includes the commodity order information and the remaining digital currency information.

3. The method according to claim 1, characterized in that: Applied to the scanning scenario, the response to the consumer payment processing request submitted by the user end to the merchant end, obtaining the commodity order information and the remaining digital currency information returned by the digital currency operation end, including: When the merchant terminal scans the user payment QR code provided by the user terminal and obtains the digital currency consumption information of the commodity, polling the order information of the digital currency operation terminal to obtain the order polling result; According to the order polling result, the commodity order information and the remaining digital currency information returned by the digital currency operation end are determined.

4. The method according to claim 1, characterized in that After the step of determining the difference information for the consumption payment processing request according to the digital currency consumption information and the digital currency remaining information, the method further includes: Sending a difference information display instruction to the user terminal; the difference information display instruction is used to instruct the user terminal to display the difference information; When the user terminal completes the confirmation operation on the difference information, the step of determining the difference information for the consumption payment processing request based on the digital currency consumption information and the digital currency remaining information is executed.

5. A consumption payment processing method, characterized in that: Applied to the digital currency operation end, the method includes: Determine the commodity order information and digital currency remaining information according to the consumer payment processing request submitted by the user end to the merchant end; the commodity order information includes the digital currency consumption information of the commodity targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operating end; Returning the commodity order information and the remaining digital currency information to the digital currency service platform; the digital currency service platform is used to determine the difference information for the consumption payment processing request according to the digital currency consumption information and the remaining digital currency information, and generate a digital currency transfer instruction based on the difference information; According to the digital currency transfer instruction sent by the digital currency service platform, the digital currency matching the difference information is transferred from the public digital currency account established by the digital currency service platform at the digital currency operation terminal to the user digital currency account; The digital currency matching the digital currency consumption information is transferred from the user digital currency account to the merchant digital currency account established by the merchant end at the digital currency operation end.

6. The method according to claim 5, characterized in that The method further comprises: When the merchant digital currency account receives the digital currency transferred from the user digital currency account that matches the digital currency consumption information, a notification of account arrival is sent to the merchant end; the merchant end is used to provide the product to the user end when receiving the notification of account arrival information.

7. A consumption payment processing device, characterized in that: Applied to a digital currency service platform, the device comprises: A response module, for responding to a consumer payment processing request submitted by a user end to a merchant end, and obtaining commodity order information and digital currency remaining information returned by a digital currency operation end; the commodity order information includes digital currency consumption information of the commodity targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user end at the digital currency operation end; A determination module, configured to determine the difference information for the consumption payment processing request according to the digital currency consumption information and the digital currency remaining information; A sending module is used to send a digital currency transfer instruction generated based on the difference information to the digital currency operating end; the digital currency transfer instruction is used to instruct the digital currency operating end to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operating end to the user digital currency account; the digital currency operating end is used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant end at the digital currency operating end.

8. The device according to claim 7, characterized in that The response module is specifically used to: when the user terminal scans the order payment QR code provided by the merchant terminal and confirms that the digital currency consumption information of the commodity is obtained, receive the consumption payment processing request submitted by the user terminal to the merchant terminal; send the consumption payment processing request to the digital currency operation terminal; the digital currency operation terminal is used to generate a consumption order according to the digital currency consumption information and merchant terminal information in the consumption payment processing request; receive the order information corresponding to the consumption order returned by the digital currency operation terminal; The order information includes the commodity order information and the digital currency remaining information.

9. The device according to claim 7, characterized in that The response module is specifically used to: when the merchant terminal scans the user payment QR code provided by the user terminal and obtains the digital currency consumption information of the commodity, poll the order information of the digital currency operation terminal to obtain the order polling result; According to the order polling result, the commodity order information and the remaining digital currency information returned by the digital currency operation end are determined.

10. The device according to claim 7, characterized in that The device also includes: A display module is used to send a difference information display instruction to the user terminal; the difference information display instruction is used to instruct the user terminal to display the difference information; when the user terminal completes the confirmation operation of the difference information, the step of determining the difference information for the consumption payment processing request based on the digital currency consumption information and the digital currency remaining information is executed.

11. A consumption payment processing device, characterized in that: Applied to the digital currency operation end, the device includes: A request module, configured to determine, according to a consumer payment processing request submitted by a user terminal to a merchant terminal, product order information and digital currency remaining information; the product order information includes digital currency consumption information of the product targeted by the consumer payment processing request; the digital currency remaining information is the remaining amount of digital currency in the user digital currency account established by the user terminal at the digital currency operating terminal; A return module, used to return the commodity order information and the remaining digital currency information to the digital currency service platform; the digital currency service platform is used to determine the difference information for the consumption payment processing request according to the digital currency consumption information and the remaining digital currency information, and generate a digital currency transfer instruction based on the difference information; A first transfer module, configured to transfer the digital currency matching the difference information from the public digital currency account established by the digital currency service platform at the digital currency operation terminal to the user digital currency account according to the digital currency transfer instruction sent by the digital currency service platform; The second transfer module is used to transfer the digital currency matching the digital currency consumption information from the user digital currency account to the merchant digital currency account established by the merchant end at the digital currency operation end.

12. The device according to claim 11, characterized in that The device also includes: The notification module is used to send a notification arrival message to the merchant end when the merchant digital currency account receives the digital currency matching the digital currency consumption information transferred from the user digital currency account; the merchant end is used to provide the product to the user end when receiving the notification arrival message.

13. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

14. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

15. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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