Digital currency payment method, device and system, computer equipment and storage medium

Abstract

The invention relates to a digital currency payment method, device and system, computer equipment and a storage medium, and the method comprises the steps: obtaining order detail information and an order payment mode of a target application program, and transmitting a payment request to a background server of a digital currency application program when the order payment mode is a digital currency payment mode; and receiving a payment result sent by the background server, and displaying the payment result. According to the digital currency payment method provided by the embodiment of the invention, the selected order payment mode is the digital currency payment mode, and the security is relatively high.

Description

Technical Field

[0001] The present application relates to the field of payment technology, and in particular to a digital currency payment method, device, system, computer equipment and storage medium. Background Art

[0002] In today's society where electronic technology is highly developed, cashless transactions using electronic technology have dominated the payment market in our country. For customer service, when customers make payments in life service applications, they can choose to access Internet third-party payment or bank payment products. However, when using third-party payment or bank payment products, there will be a problem of low security. Summary of the invention

[0003] Based on this, it is necessary to provide a digital currency payment method, device, system, computer equipment and storage medium for the above technical problems. The use of this method can solve the problem of low security when using third-party payment or bank payment products in the prior art.

[0004] In a first aspect, an embodiment of the present application provides a digital currency payment method, including:

[0005] Get the order details and payment method of the target application;

[0006] When the order payment method is a digital currency payment method, a payment request is sent to the backend server of the digital currency application, where the payment request is used to instruct the backend server to determine the payment result according to the payment request, and the payment request includes order details and the order payment method;

[0007] Receive the payment result sent by the backend server and display the payment result.

[0008] In one embodiment, the digital currency payment method further includes:

[0009] Receiving a payment confirmation operation, and displaying order payment method selection items in response to the payment confirmation operation; the order payment method selection items include the digital currency payment method and other payment methods;

[0010] Receive a selection operation of a digital currency payment method in an order payment method selection item, and determine that the order payment method is a digital currency payment method.

[0011] In one embodiment, the digital currency payment method further includes:

[0012] Receiving a selection operation of a digital currency payment method in an order payment method selection item, and displaying a plurality of digital currency payment objects in response to the selection operation;

[0013] A selection operation of selecting a target payment object from a plurality of digital currency payment objects is received, and a backend server corresponding to the target payment object is determined as the backend server.

[0014] In one embodiment, the digital currency payment method further includes:

[0015] If the payment method of the target application is password payment, the user authentication information is sent to the backend server;

[0016] If the payment method of the target application is password-free payment, the operation of sending user authentication information is prohibited.

[0017] In one embodiment, the digital currency payment method further includes:

[0018] Receive a setting operation on a setting interface of a digital currency application, and determine that the payment method of the target application is password-free payment according to the setting operation.

[0019] In a second aspect, an embodiment of the present application provides a digital currency payment method, including:

[0020] Receive the payment request sent by the client, which includes order details and order payment method;

[0021] Determine the digital currency account that matches the payment request, and determine the payment result based on the payment request and the balance details of the digital currency account;

[0022] Send payment result to the client.

[0023] In one embodiment, the payment request also includes user authentication information, and the payment result is determined based on the payment request and the balance details of the digital currency account, including:

[0024] User authentication is performed based on the user authentication information. If the authentication result is passed, the payment result is determined based on the payment request and the balance details of the digital currency account.

[0025] In a third aspect, an embodiment of the present application provides a digital currency payment device, including:

[0026] The acquisition module is used to obtain the order details and order payment method of the target application;

[0027] A first sending module, used for sending a payment request to a backend server of a digital currency application when the order payment method is a digital currency payment method, the payment request is used to instruct the backend server to determine a payment result according to the payment request, and the payment request includes order details and order payment method;

[0028] The display module is used to receive the payment result sent by the backend server and display the payment result.

[0029] In one embodiment, the digital currency payment device further includes:

[0030] A confirmation operation receiving module, used to receive a payment confirmation operation, and display order payment method selection items in response to the payment confirmation operation; the order payment method selection items include digital currency payment methods and other payment methods;

[0031] The first selection operation receiving module is used to receive a selection operation of a digital currency payment method in an order payment method selection item, and determine that the order payment method is a digital currency payment method.

[0032] In one embodiment, the digital currency payment device further includes:

[0033] A second selection operation receiving module is used to receive a selection operation of a digital currency payment method in an order payment method selection item, and in response to the selection operation, display a plurality of digital currency payment objects;

[0034] The third selection operation receiving module is used to receive a selection operation for selecting a target payment object from multiple digital currency payment objects, and determine that the backend server corresponding to the target payment object is the backend server.

[0035] In one embodiment, the digital currency payment device further includes:

[0036] The judgment module is used to send user authentication information to the background server if the payment method of the target application is password payment; if the payment method of the target application is password-free payment, the operation of sending user authentication information is prohibited.

[0037] In one embodiment, the digital currency payment device further includes:

[0038] The setting operation receiving module is used to receive the setting operation on the setting interface of the digital currency application, and determine the payment method of the target application as password-free payment according to the setting operation.

[0039] In a fourth aspect, an embodiment of the present application provides a digital currency payment device, including:

[0040] The receiving module is used to receive the payment request sent by the client, and the payment request includes order details and order payment method;

[0041] A determination module, used to determine a digital currency account that matches the payment request, and determine a payment result based on the payment request and the balance details of the digital currency account;

[0042] The second sending module is used to send the payment result to the client.

[0043] In one of the embodiments, the determination module is specifically used to perform user authentication based on user authentication information. If the authentication result is passed, the payment result is determined based on the payment request and the balance details of the digital currency account.

[0044] In a fifth aspect, an embodiment of the present application provides a digital currency payment system, which includes a client and a backend server, wherein the client is used to execute the steps of the method provided in the first aspect, and the backend server is used to execute the steps of the method provided in the second aspect.

[0045] In a sixth aspect, an embodiment of the present application further provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the method provided in the above embodiment when executing the computer program.

[0046] In a seventh aspect, an embodiment of the present application further provides a computer-readable storage medium having a computer program stored thereon, which implements the steps of the method provided in the above embodiment when the computer program is executed by a processor.

[0047] In an eighth aspect, an embodiment of the present application further provides a computer program product, including a computer program, which implements the steps of the method provided in the above embodiment when the computer program is processed and executed.

[0048] The embodiment of the present application provides a digital currency payment method, device, system, computer equipment and storage medium. The method obtains the order details information and order payment method of the target application, and when the order payment method is the digital currency payment method, sends a payment request to the background server of the digital currency application; receives the payment result sent by the background server, and displays the payment result. The order payment method selected by the digital currency payment method provided in this embodiment is the digital currency payment method. Since the digital currency is issued by the issuing system, it has high security. In addition, as long as the customer has an opened digital currency account and the merchant has an opened public account, the payment can be completed, which can avoid the situation where the payment methods of the merchant and the user are inconsistent when using other third-party electronic wallets for payment, thereby improving payment efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the conventional technology, the drawings required for use in the embodiments or the conventional technology descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For different technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0050] Figure 1 A schematic diagram of the steps of a digital currency payment method provided in one embodiment of the present application;

[0051] Figure 2 A schematic diagram of the steps of a digital currency payment method provided in another embodiment of the present application;

[0052] Figure 3 A schematic diagram of the steps of a digital currency payment method provided in another embodiment of the present application;

[0053] Figure 4 A schematic diagram of the steps of a digital currency payment method provided in another embodiment of the present application;

[0054] Figure 5 A schematic diagram of the steps of a digital currency payment method provided in another embodiment of the present application;

[0055] Figure 6 A schematic diagram of the steps of a digital currency payment method provided in another embodiment of the present application;

[0056] Figure 7 A schematic diagram of the structure of a digital currency payment device provided in one embodiment of the present application;

[0057] Figure 8 A schematic diagram of the structure of a digital currency payment device provided in another embodiment of the present application;

[0058] Fig. 9 A schematic diagram of the structure of a digital currency payment device provided in another embodiment of the present application;

[0059] Fig.10 A schematic diagram of the structure of a digital currency payment device provided in another embodiment of the present application;

[0060] Fig.11 A schematic diagram of the structure of a digital currency payment device provided in another embodiment of the present application;

[0061] Fig.12 A schematic diagram of the structure of a computer device provided for one embodiment of the present application. DETAILED DESCRIPTION

[0062] In order to make the above-mentioned purposes, features and advantages of the present application more obvious and easy to understand, the specific implementation methods of the present application are described in detail below in conjunction with the accompanying drawings. In the following description, many specific details are set forth to facilitate a full understanding of the present application. However, the present application can be implemented in many other ways different from those described herein, and those skilled in the art can make similar improvements without violating the connotation of the present application, so the present application is not limited by the specific embodiments disclosed below.

[0063] The serial numbers assigned to the components in this article, such as "first", "second", etc., are only used to distinguish the objects described and do not have any order or technical meaning.

[0064] In today's society where electronic technology is highly developed, cashless transactions using electronic technology have taken a leading position in the payment market in our country. For customer service, when customers make payments in life service applications, they can choose to access Internet third-party payment or bank payment products.

[0065] For example, Bank A has launched a comprehensive service platform based on local one-stop life scenarios. The platform brings together life scenarios such as gourmet dining, quality takeout, recharge and payment, taxi travel, movie and entertainment, etc., aiming to provide users with new choices and new experiences for quality life. The platform is the main channel for ecological financial operations of Bank A, which focuses on local life services and rights aggregation. It uses the O2O business model and digital business methods to build consumption scenarios for individual customers and provide traffic support for merchants. Customers consume in local life scenarios such as in-store dining, takeout, recharge and payment, taxi travel, movie and entertainment through the comprehensive service platform, and can complete the full-link transaction of product selection, ordering, and payment through the application. When paying, pay according to the payment method provided by the application. However, for the payment methods in traditional technologies, there will be a problem of low security. In this regard, this application proposes a digital currency payment method.

[0066] The digital currency payment method provided in this application can be implemented through computer equipment. Computer equipment includes but is not limited to control chips, personal computers, laptops, smart phones, tablet computers and portable wearable devices. The method provided in this application can be implemented through JAVA software and can also be applied to other software.

[0067] The technical solution of the present application and how the technical solution of the present application solves the technical problem are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0068] Before using the digital currency payment method, it is necessary to ensure that the client application includes the digital currency application and the user has opened a digital currency account in the digital currency operating institution (bank). At the same time, the merchants associated with the life service application have also opened public accounts in the operating institution. In this way, customers can choose the digital currency payment method when making payments in the life service application, and the merchant can receive the amount paid by the customer.

[0069] In an optional embodiment, after the merchant has opened a public account, he / she opens a settlement account bound to the public account for the merchant to withdraw the payment amount in real time.

[0070] See also Figure 1 , an embodiment of the present application provides a digital currency payment method. The present application embodiment describes the digital currency payment method with the client as the execution subject, and the steps include:

[0071] Step 100: Obtain order details and order payment method of the target application.

[0072] The target application refers to any one of the life service applications installed in the client. The life service application may include the life service APP commonly used by the user. The client obtains the order details information and order payment method of the target application. The order details information may include the goods or services selected by the user in the target application, and the payment amount required for the goods or services. The order payment method may include digital currency payment method and other payment methods. This embodiment does not limit the specific order details and order payment methods, and the user can choose according to the actual application scenario.

[0073] Step 110: When the order payment method is a digital currency payment method, a payment request is sent to the backend server of the digital currency application. The payment request is used to instruct the backend server to determine the payment result according to the payment request. The payment request includes order details and the order payment method.

[0074] When the user selects the digital currency payment method as the order payment method on the client (target application), the client sends a payment request to the backend server of the digital currency application to instruct the backend server of the digital currency application to determine the payment result according to the payment request. The payment result may include a successful payment or an incomplete payment. When the payment result is an incomplete payment, the backend server determines the reason for the incomplete payment. This embodiment does not limit the specific process of the backend server of the digital currency application determining the payment result according to the payment request, as long as its function can be realized.

[0075] Step 120: Receive the payment result sent by the backend server and display the payment result.

[0076] After the backend server determines the payment result according to the payment request, it will send the payment result to the client. After receiving the payment result sent by the backend server, the client will display the payment result so that the user can obtain the payment result. Specifically, after receiving the payment result from the backend server, the client will display the payment result on the payment page of the target application. If the payment result is an unfinished payment, the reason for the unfinished payment will also be displayed on the payment page.

[0077] The digital currency payment method provided in the embodiment of the present application obtains the order details information and order payment method of the target application, and when the order payment method is the digital currency payment method, sends a payment request to the backend server of the digital currency application; receives the payment result sent by the backend server, and displays the payment result. The order payment method selected by the digital currency payment method provided in this embodiment is the digital currency payment method, which has high security. In addition, as long as the customer has an opened digital currency account and the merchant has an opened public account, the payment can be completed, which can avoid the situation where the merchant and user payment methods are inconsistent when using other third-party electronic wallets to pay, thereby improving payment efficiency. In addition, when using the digital currency payment method provided in this application to make a payment, the payment amount is directly transferred from the user's digital currency account to the merchant's public account, so that the funds on the merchant side can be received in real time, and the merchant does not need to pay the collection fee, which can reduce the merchant's capital turnover pressure, help the merchant's business expansion, and meet the compliance management requirements of the merchant's business.

[0078] In an optional embodiment, the merchant can subsequently query the public account on his own, and when cash withdrawal is needed, withdraw the cash directly to the settlement account bound to the public account.

[0079] In an optional embodiment, when a refund occurs due to transaction cancellation or order failure, the refund amount can be directly refunded to the payment wallet through the original route after confirmation by the user and the merchant, that is, it can be directly refunded from the public account to the digital currency account.

[0080] In another optional embodiment, the backend server may store payment bills, i.e., information on payments made using digital currency accounts, which may include payment amounts and payment times, etc. Merchants may obtain payment bills at preset times for reconciliation, and specific reconciliation rules and systems are set between the life service platform and the merchants.

[0081] See also Figure 2 In one embodiment, when determining the order payment method, the digital currency payment method also includes:

[0082] Step 200: Receive a payment confirmation operation, and display order payment method options in response to the payment confirmation operation; the order payment method options include digital currency payment methods and other payment methods.

[0083] The client receives the payment confirmation operation of the user in the target application, that is, after the user selects the product or service in the target application, the target application will display the option of confirming payment and the option of canceling payment, and the user clicks the option of confirming payment. In response to the payment confirmation operation, the client will display the order payment method option in the target application, that is, the target application will display a variety of order payment methods, such as: digital currency payment method and other third-party payment methods.

[0084] Step 210: Receive a selection operation for a digital currency payment method in an order payment method selection item, and determine that the order payment method is a digital currency payment method.

[0085] In the displayed order payment method selection items (among multiple order payment methods), the user selects the digital currency payment method. After receiving the user's selection operation of the digital currency payment method in the order payment method selection item, the client determines that the order payment method is the digital currency payment method. The specific selection operation refers to the user's click operation on the digital currency payment method in the order payment method selection item.

[0086] In this embodiment, the method for determining the order payment method is simple and convenient to operate.

[0087] See also Figure 3 In one embodiment, the digital currency payment method further includes:

[0088] Step 300: Receive a selection operation for a digital currency payment method in an order payment method selection item, and display multiple digital currency payment objects in response to the selection operation.

[0089] After receiving the user's selection of the digital currency payment method in the order payment method selection item, the client will display multiple digital currency payment objects on the target application in response to the selection operation. The digital currency payment object refers to multiple payment sub-wallets, and one payment sub-wallet corresponds to one bank operating institution.

[0090] Step 310: Receive a selection operation for a target payment object from among multiple digital currency payment objects, and determine that a backend server corresponding to the target payment object is a backend server.

[0091] For different digital currency payment objects, the corresponding backend servers are different. In other words, for different bank operating institutions, the backend servers involved in determining the payment results are also different. After the client receives the user's selection operation of selecting a target payment object from multiple digital currency payment objects, it determines the backend server corresponding to the target payment object as the backend server and sends a payment request to the server.

[0092] See also Figure 4In one embodiment, during the payment process of the user, the client determines whether the payment method of the target application is password payment or password-free payment. The digital currency payment method also includes:

[0093] Step 400: If the payment method of the target application is password payment, the user authentication information is sent to the backend server.

[0094] If the client determines that the payment method of the target application is password payment, that is, during the payment process, the client needs to receive the user authentication information entered by the user in the target application. After the client determines that the payment method of the target application is password payment, it will send the user authentication information entered by the user to the backend server. The user authentication information may include user identity information and payment password.

[0095] In an optional embodiment, the payment request includes user authentication information, that is, when the client determines that the payment of the target application is a password payment, the payment request sent to the backend server of the digital currency application includes the user authentication information.

[0096] Step 410: If the payment method of the target application is password-free payment, the operation of sending user authentication information is prohibited.

[0097] If the client determines that the payment method of the target application is password-free payment, that is, during the payment process, the user no longer needs to enter user authentication information, that is, there is no need to send user authentication information to the background server of the digital currency application.

[0098] In this embodiment, two payment methods are provided, and users can choose according to actual conditions. This can improve the practicality of the digital currency payment method and improve the user experience.

[0099] In one embodiment, when the payment method of the target application is password-free payment, it is necessary to pre-set the password-free payment, and the digital currency payment method further includes:

[0100] Receive a setting operation on a setting interface of a digital currency application, and determine that the payment method of the target application is password-free payment according to the setting operation.

[0101] The client receives the setting operation of the user on the setting interface of the digital currency application, and in response to the setting operation, determines that the payment method of the target application is password-free payment. In other words, the user performs the setting operation in the digital currency application so that the target application can be paid without password. This embodiment does not limit the specific process of determining that the payment method of the target application is password-free payment according to the setting operation, as long as its function can be achieved.

[0102] See also Figure 5 In an optional embodiment, the specific process of setting the payment method of the target application as password-free payment includes:

[0103] Step 500: The client receives a setting operation of the user on the setting interface of the digital currency application, where the setting operation includes a click operation on the push sub-wallet on the setting interface of the digital currency application;

[0104] Step 510: The client displays a password input interface in response to the setting operation;

[0105] Specifically, in response to the setting operation, the client sends a push request to the backend server of the digital currency application, so that the backend server sends the user's mobile phone number to the backend server of the target application according to the push request, and sends a password input request to the client, so that the client displays the password input interface;

[0106] Step 520: The client receives a first input operation of the user on the password input interface, and displays a verification code input interface in response to the first input operation;

[0107] Specifically, in response to the input operation, the client sends the password to the backend server of the digital currency application, so that the backend server sends the password to the backend server of the target application; after receiving the password, the backend server of the target application sends a verification code to the user's mobile phone number;

[0108] Step 530: The client receives a second input operation of the user on the verification code input interface, and determines that the payment method of the target application is password-free payment according to the second input operation.

[0109] See also Figure 6 An embodiment of the present application further provides a digital currency payment method. The present application embodiment describes the digital currency payment method with the background server of the digital currency application as the execution subject, and the steps include:

[0110] Step 600: Receive a payment request sent by the client, where the payment request includes order details and order payment method.

[0111] The backend server receives the payment request sent by the client, which may include order details and order payment method. The specific description of the payment request sent by the client can refer to the description in the above embodiment, which will not be repeated here.

[0112] Step 610: Determine the digital currency account that matches the payment request, and determine the payment result based on the payment request and the balance details of the digital currency account.

[0113] After receiving the payment request, the backend server determines the digital currency account matching the payment request according to the payment request including the order payment method. In other words, when the order payment method is the digital currency payment method, the backend server determines the digital currency account according to the digital currency payment method. After determining the digital currency account, the backend server determines the payment result according to the payment request and the balance details of the digital currency account. Specifically, the balance details of the digital currency account include: the balance in the digital currency account, and the preset payment limit. The backend server compares the payment amount in the payment request with the preset payment limit. If it is less than the preset payment limit, the payment amount is compared with the balance in the digital currency account. If it is less than the balance in the digital currency account, the backend server transfers the same amount in the digital currency account as the payment amount to the public account opened by the merchant corresponding to the target application. If the payment amount is greater than the preset payment limit, the payment result is determined to be payment failure, and the reason for the payment failure is that the payment amount exceeds the payment limit; if the payment amount is less than the preset payment limit, but the payment amount is greater than the balance in the digital currency account, the payment result is determined to be payment failure, and the reason for the payment failure is insufficient balance.

[0114] In an optional embodiment, the specific process by which the digital currency backend server determines the payment result based on the payment request is as follows: the digital currency backend server sends the payment request to the backend server of the operating organization, the server of the operating organization determines the payment result based on the payment request, and sends the payment result to the digital currency backend server.

[0115] Step 620: Send the payment result to the client.

[0116] After determining the payment result, the post-synchronization server sends the payment result to the client, so that the client displays the payment result and the user obtains the final payment result.

[0117] The digital currency payment method provided in the embodiment of the present application receives a payment request sent by a client; determines a digital currency account matching the payment request, and determines the payment result according to the payment request and the balance details of the digital currency account. The digital currency payment method provided in the present application realizes payment with digital currency by determining a digital currency account matching the payment request, which can improve the security of payment. In addition, it can avoid the situation where the payment methods of the merchant and the user are inconsistent when using other third-party electronic wallets for payment, thereby improving payment efficiency. In addition, when using the digital currency payment method provided in the present application for payment, the payment amount is directly transferred from the user's digital currency account to the merchant's public account, so that the funds on the merchant side can be received in real time, and there is no need for collection fees and other issues, which can reduce the merchant's capital turnover pressure, help the merchant's business expansion, and meet the compliance management requirements of the merchant's business.

[0118] In one embodiment, the payment request also includes user authentication information, and the payment result is determined according to the payment request and the balance details of the digital currency account, including:

[0119] User authentication is performed based on the user authentication information. If the authentication result is passed, the payment result is determined based on the payment request and the balance details of the digital currency account.

[0120] When the payment method of the target application is password payment, the backend server will receive the user authentication information sent by the client and authenticate the user based on the user authentication information. If the authentication result is passed, that is, the user authentication information is accurate, the backend server will determine the payment result based on the payment request and the balance details of the digital currency account; if the authentication result is not passed, that is, the user authentication information is wrong, the backend server will send a message to the client indicating that the user authentication information output is wrong.

[0121] It should be understood that, although the various steps in the flowchart in the figure are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a part of the steps in the figure may include a plurality of sub-steps or a plurality of stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these sub-steps or stages is not necessarily carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the sub-steps or stages of other steps.

[0122] An embodiment of the present application also provides a digital currency payment system, which includes a client and a backend server, wherein the client is used to execute the above-mentioned Figure 1-Figure 5 In the embodiment shown, the backend server is used to execute the above Figure 6 The embodiment shown.

[0123] In an optional embodiment, the digital currency payment system provided by this application involves three systems, namely: an issuance system, a life service application, and an operating agency system. Among them, the issuance system is used to issue digital currency. The operating agency system is connected to the issuance system and can provide digital currency redemption and redemption services. The life service application is a mobile life service platform for customers' high-frequency life scene needs, enriching the use scenarios of digital currency.

[0124] See also Figure 7 An embodiment of the present application provides a digital currency payment device 10, which includes an acquisition module 11, a second sending module 12 and a display module 13.

[0125] The acquisition module 11 is used to obtain order details and order payment methods of the target application;

[0126] The first sending module 12 is used to send a payment request to the backend server of the digital currency application when the order payment method is a digital currency payment method. The payment request is used to instruct the backend server to determine the payment result according to the payment request. The payment request includes order details and order payment method;

[0127] The display module 13 is used to receive the payment result sent by the backend server and display the payment result.

[0128] See also Figure 8 In one embodiment, the digital currency payment device 10 further includes a confirmation operation receiving module 14 and a first selection operation receiving module 15. The confirmation operation receiving module 14 is used to receive a payment confirmation operation, and in response to the payment confirmation operation, display an order payment method selection item; the order payment method selection item includes a digital currency payment method and other payment methods; the first selection operation receiving module 15 is used to receive a selection operation of a digital currency payment method in the order payment method selection item, and determine that the order payment method is a digital currency payment method.

[0129] See also Fig. 9 In one embodiment, the digital currency payment device 10 further includes a second selection operation receiving module 16 and a third selection operation receiving module 17. The second selection operation receiving module 16 is used to receive a selection operation of a digital currency payment method in the order payment method selection item, and in response to the selection operation, display multiple digital currency payment objects; the third selection operation receiving module 17 is used to receive a selection operation of selecting a target payment object from multiple digital currency payment objects, and determine that the backend server corresponding to the target payment object is the backend server.

[0130] See also Fig.10 In one embodiment, the digital currency payment device 10 also includes a judgment module 18, which is used to send user authentication information to the background server if the payment method of the target application is password payment; if the payment method of the target application is password-free payment, the operation of sending user authentication information is prohibited.

[0131] Please continue to see Fig.10 In one embodiment, the digital currency payment device 10 further includes a setting operation receiving module 19. The setting operation receiving module 19 is used to receive a setting operation on a setting interface of a digital currency application, and determine that the payment method of the target application is password-free payment according to the setting operation.

[0132] See also Fig.11, an embodiment of the present application provides a digital currency payment device 20, the device includes a receiving module 21, a determining module 22 and a second sending module 23. Among them,

[0133] The receiving module 21 is used to receive a payment request sent by a client, the payment request including order details and order payment method;

[0134] The determination module 22 is used to determine the digital currency account that matches the payment request, and determine the payment result according to the payment request and the balance details of the digital currency account;

[0135] The second sending module 23 is used to send the payment result to the client.

[0136] In one embodiment, the determination module 22 is also used to perform user authentication based on the user authentication information. If the authentication result is passed, the payment result is determined based on the payment request and the balance details of the digital currency account.

[0137] For the specific limitations of the above-mentioned digital currency payment device 10 and digital currency payment device 20, please refer to the limitations of the digital currency payment method above, which will not be repeated here. The various modules in the digital currency payment device 10 and the digital currency payment device 20 can be implemented in whole or in part by software, hardware and a combination thereof. The above-mentioned devices, modules or units can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above-mentioned devices or modules.

[0138] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Fig.12 As shown. The computer device includes a processor, a memory, a network interface and a database connected through a system bus. Among them, 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 payment requests, etc. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer device is executed by the processor, a digital currency payment method is implemented.

[0139] Those skilled in the art will understand that Fig.12The structure shown in the figure is only a block diagram of a part of the 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 those shown in the figure, or combine certain components, or have a different arrangement of components.

[0140] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0141] Get the order details and payment method of the target application;

[0142] When the order payment method is a digital currency payment method, a payment request is sent to the backend server of the digital currency application, where the payment request is used to instruct the backend server to determine the payment result according to the payment request, and the payment request includes order details and the order payment method;

[0143] Receive the payment result sent by the backend server and display the payment result.

[0144] In one embodiment, the processor also implements the following steps when executing the computer program: receiving a payment confirmation operation, and displaying order payment method options in response to the payment confirmation operation; the order payment method options include digital currency payment methods and other payment methods; receiving a selection operation for the digital currency payment method in the order payment method options, and determining that the order payment method is the digital currency payment method.

[0145] In one embodiment, when the processor executes the computer program, the following steps are also implemented: receiving a selection operation for a digital currency payment method in an order payment method selection item, and displaying multiple digital currency payment objects in response to the selection operation; receiving a selection operation for selecting a target payment object from multiple digital currency payment objects, and determining that the backend server corresponding to the target payment object is the backend server.

[0146] In one embodiment, when the processor executes the computer program, the following steps are also implemented: if the payment method of the target application is password payment, user authentication information is sent to the background server; if the payment method of the target application is password-free payment, the operation of sending user authentication information is prohibited.

[0147] In one embodiment, when the processor executes the computer program, it also implements the following steps: receiving a setting operation on a setting interface of a digital currency application, and determining that the payment method of the target application is password-free payment according to the setting operation.

[0148] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0149] Receive the payment request sent by the client, which includes order details and order payment method;

[0150] Determine the digital currency account that matches the payment request, and determine the payment result based on the payment request and the balance details of the digital currency account;

[0151] Send payment result to the client.

[0152] In one embodiment, when the processor executes the computer program, the following steps are also implemented: user authentication is performed based on the user authentication information, and if the authentication result is passed, the payment result is determined based on the payment request and the balance details of the digital currency account.

[0153] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0154] Get the order details and payment method of the target application;

[0155] When the order payment method is a digital currency payment method, a payment request is sent to the backend server of the digital currency application, where the payment request is used to instruct the backend server to determine the payment result according to the payment request, and the payment request includes order details and the order payment method;

[0156] Receive the payment result sent by the backend server and display the payment result.

[0157] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: receiving a payment confirmation operation, and displaying order payment method options in response to the payment confirmation operation; the order payment method options include digital currency payment methods and other payment methods; receiving a selection operation for the digital currency payment method in the order payment method options, and determining that the order payment method is the digital currency payment method.

[0158] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: receiving a selection operation for a digital currency payment method in an order payment method selection item, and displaying multiple digital currency payment objects in response to the selection operation; receiving a selection operation for selecting a target payment object from multiple digital currency payment objects, and determining that the backend server corresponding to the target payment object is the backend server.

[0159] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: if the payment method of the target application is password payment, user authentication information is sent to the background server; if the payment method of the target application is password-free payment, the operation of sending user authentication information is prohibited.

[0160] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: receiving a setting operation on a setting interface of a digital currency application, and determining that the payment method of the target application is password-free payment according to the setting operation.

[0161] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0162] Receive the payment request sent by the client, which includes order details and order payment method;

[0163] Determine the digital currency account that matches the payment request, and determine the payment result based on the payment request and the balance details of the digital currency account;

[0164] Send payment result to the client.

[0165] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: user authentication is performed based on the user authentication information, and if the authentication result is passed, the payment result is determined based on the payment request and the balance details of the digital currency account.

[0166] In one embodiment, a computer program product is provided, including a computer program, which, when executed by a processor, implements the following steps:

[0167] Get the order details and payment method of the target application;

[0168] When the order payment method is a digital currency payment method, a payment request is sent to the backend server of the digital currency application, where the payment request is used to instruct the backend server to determine the payment result according to the payment request, and the payment request includes order details and the order payment method;

[0169] Receive the payment result sent by the backend server and display the payment result.

[0170] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: receiving a payment confirmation operation, and displaying order payment method options in response to the payment confirmation operation; the order payment method options include digital currency payment methods and other payment methods; receiving a selection operation for the digital currency payment method in the order payment method options, and determining that the order payment method is the digital currency payment method.

[0171] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: receiving a selection operation for a digital currency payment method in an order payment method selection item, and displaying multiple digital currency payment objects in response to the selection operation; receiving a selection operation for selecting a target payment object from multiple digital currency payment objects, and determining that the backend server corresponding to the target payment object is the backend server.

[0172] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: if the payment method of the target application is password payment, user authentication information is sent to the background server; if the payment method of the target application is password-free payment, the operation of sending user authentication information is prohibited.

[0173] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: receiving a setting operation on a setting interface of a digital currency application, and determining that the payment method of the target application is password-free payment according to the setting operation.

[0174] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0175] Receive the payment request sent by the client, which includes order details and order payment method;

[0176] Determine the digital currency account that matches the payment request, and determine the payment result based on the payment request and the balance details of the digital currency account;

[0177] Send payment result to the client.

[0178] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: user authentication is performed based on the user authentication information, and if the authentication result is passed, the payment result is determined based on the payment request and the balance details of the digital currency account.

[0179] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be implemented 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 memory, storage, database or other media used in the embodiments provided in this application may include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0180] 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.

[0181] The above-mentioned 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 digital currency payment method, characterized in that: include: Get the order details and payment method of the target application; When the order payment method is a digital currency payment method, sending a payment request to a backend server of a digital currency application, wherein the payment request is used to instruct the backend server to determine a payment result according to the payment request, and the payment request includes the order details and the order payment method; Receive the payment result sent by the backend server, and display the payment result.

2. The method according to claim 1, characterized in that The method further comprises: receiving a payment confirmation operation, and displaying order payment method selection items in response to the payment confirmation operation; the order payment method selection items include the digital currency payment method and other payment methods; A selection operation of a digital currency payment method in the order payment method selection item is received, and the order payment method is determined to be the digital currency payment method.

3. The method according to claim 2, characterized in that The method further comprises: receiving a selection operation of a digital currency payment method in the order payment method selection item, and displaying a plurality of digital currency payment objects in response to the selection operation; A selection operation of selecting a target payment object from among the multiple digital currency payment objects is received, and a backend server corresponding to the target payment object is determined to be the backend server.

4. The method according to claim 1, characterized in that: The method further comprises: If the payment method of the target application is password payment, sending user authentication information to the backend server; If the payment method of the target application is password-free payment, the operation of sending the user authentication information is prohibited.

5. The method according to claim 4, characterized in that The method further comprises: A setting operation on a setting interface of the digital currency application is received, and a payment method of the target application is determined as password-free payment according to the setting operation.

6. A digital currency payment method, characterized in that: include: Receive a payment request sent by a client, wherein the payment request includes order details and order payment method; Determine a digital currency account that matches the payment request, and determine a payment result based on the payment request and the balance details of the digital currency account; The payment result is sent to the client.

7. The method according to claim 6, characterized in that The payment request also includes user authentication information, and the payment result is determined according to the payment request and the balance details of the digital currency account, including: The user authentication is performed according to the user authentication information. If the authentication result is passed, the payment result is determined according to the payment request and the balance details of the digital currency account.

8. A digital currency payment device, characterized in that: include: The acquisition module is used to obtain the order details and order payment method of the target application; A first sending module, configured to send a payment request to a backend server of a digital currency application when the order payment method is a digital currency payment method, wherein the payment request is used to instruct the backend server to determine a payment result according to the payment request, and the payment request includes order details and the order payment method; The display module is used to receive the payment result sent by the backend server and display the payment result.

9. The device according to claim 8, characterized in that Also includes: A confirmation operation receiving module, used to receive a payment confirmation operation, and display order payment method selection items in response to the payment confirmation operation; The order payment method options include the digital currency payment method and other payment methods; The first selection operation receiving module is used to receive a selection operation of a digital currency payment method in the order payment method selection item, and determine that the order payment method is the digital currency payment method.

10. The device according to claim 9, characterized in that Also includes: A second selection operation receiving module is used to receive a selection operation of a digital currency payment method in the order payment method selection item, and in response to the selection operation, display a plurality of digital currency payment objects; The third selection operation receiving module is used to receive a selection operation of selecting a target payment object from the multiple digital currency payment objects, and determine that the backend server corresponding to the target payment object is the backend server.

11. The device according to claim 8, characterized in that Also includes: The judgment module is used to send user authentication information to the backend server if the payment method of the target application is password payment; if the payment method of the target application is password-free payment, prohibit the operation of sending the user authentication information.

12. The device according to claim 11, characterized in that Also includes: The setting operation receiving module is used to receive the setting operation on the setting interface of the digital currency application, and determine that the payment method of the target application is password-free payment according to the setting operation.

13. A digital currency payment device, characterized in that: include: A receiving module, used to receive a payment request sent by a client, wherein the payment request includes order details and order payment method; A determination module, used to determine a digital currency account matching the payment request, and determine a payment result according to the payment request and the balance details of the digital currency account; The second sending module is used to send the payment result to the client.

14. The device according to claim 13, characterized in that The determination module is specifically used to perform user authentication based on the user authentication information. If the authentication result is passed, the payment result is determined based on the payment request and the balance details of the digital currency account.

15. A digital currency payment system, characterized in that: The system comprises a client and a background server, wherein the client is used to execute the steps of the method described in any one of claims 1 to 5, and the background server is used to execute the steps of the method described in any one of claims 6 and 7.

16. 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 7 are implemented.

17. 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 7 are implemented.

18. 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 7 are implemented.

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