Electronic coupon generation method, device, equipment, medium and computer program product

Abstract

The invention relates to an electronic coupon generation method and device, computer equipment, a storage medium and a computer program product. The method comprises the following steps: receiving an anonymous electronic coupon issuing request initiated by a request end through a real-name digital asset account, wherein the issuing request carries coupon attribute information; querying identity information associated with a real-name digital asset account in the coupon attribute information, and performing legality verification on the anonymous electronic coupon issuing request according to the identity information; after the verification is passed, transferring the digital assets from the real-name digital asset account to the digital asset operator according to the voucher amount in the voucher attribute information; and after the digital assets are successfully transferred, digitally signing the coupon attribute information by using the private key of the digital asset operator to obtain a coupon signature, forming an anonymous electronic coupon by the coupon signature and the coupon attribute information, and feeding back the anonymous electronic coupon to the request end. The method can support consumers to issue anonymous electronic coupons according to own willingness, and can protect personal privacy of the consumers during payment to a certain extent.

Description

Technical Field

[0001] This application relates to the field of computer technology, and in particular, to an electronic coupon generation method, device, computer device, storage medium, and computer program product. Background Art

[0002] An electronic coupon is an electronic voucher, such as a commodity coupon, cash coupon, price discount coupon, discount coupon, such as a red envelope, coupon, etc. Usually, these coupons are usually issued by merchants. For example, merchants issue some vouchers on their own, and these vouchers are directly given to consumers. Consumers can deduct part of the payment amount when purchasing goods. In the related technology, when issuing these coupons, corresponding preferential amounts and applicable scopes are generally set for these coupons, resulting in very limited usage scenarios for such coupons and poor practicability. Moreover, there is no way for consumers to issue electronic coupons on their own in the related technology. How to provide a direct and reliable way for consumers to issue electronic coupons is an urgent problem to be solved. Summary of the Invention

[0003] Based on this, in view of the above technical problems, it is necessary to provide an electronic coupon generation method, device, computer device, computer-readable storage medium, and computer program product, which can support consumers to issue anonymous electronic coupons according to their own wishes, and the anonymous electronic coupons generated in this way can support payments in various scenarios and have general practicability. At the same time, the electronic coupon also has an anonymous attribute, which can protect consumers' personal privacy to a certain extent when making payments.

[0004] In a first aspect, this application provides an electronic coupon generation method. The method includes:

[0005] Receiving an anonymous electronic coupon issuance request initiated by a requesting end through a real-name digital asset account, where the anonymous electronic coupon issuance request carries coupon attribute information, and the coupon attribute information at least includes the real-name digital asset account and the coupon amount, and the real-name digital asset account is opened from a digital asset operator;

[0006] Querying the identity information associated with the real-name digital asset account in the coupon attribute information, and performing a legality verification on the anonymous electronic coupon issuance request according to the identity information;

[0007] After the legality verification passes, transferring digital assets from the real-name digital asset account to the digital asset operator according to the coupon amount in the coupon attribute information;

[0008] After the digital asset transfer is successful, digitally signing the coupon attribute information with the private key of the digital asset operator to obtain a coupon signature, and the coupon signature and the coupon attribute information form an anonymous electronic coupon;

[0009] In response to the anonymous e-voucher issuance request, feedback the anonymous e-voucher to the requesting party.

[0010] In a second aspect, the present application also provides an e-voucher generation device. The device includes:

[0011] A receiving module, configured to receive an anonymous e-voucher issuance request initiated by a requesting party through a real-name digital asset account. The anonymous e-voucher issuance request carries voucher attribute information, and the voucher attribute information at least includes the real-name digital asset account and the voucher amount. The real-name digital asset account is opened from a digital asset operator.

[0012] A verification module, configured to query identity information associated with the real-name digital asset account in the voucher attribute information, and perform a legality verification on the anonymous e-voucher issuance request according to the identity information.

[0013] A transfer module, configured to, after the legality verification is passed, transfer digital assets from the real-name digital asset account to the digital asset operator according to the voucher amount in the voucher attribute information.

[0014] A signature module, configured to, after the digital asset transfer is successful, perform a digital signature on the voucher attribute information by using the private key of the digital asset operator to obtain a voucher signature. The voucher signature and the voucher attribute information constitute an anonymous e-voucher.

[0015] A feedback module, configured to, in response to the anonymous e-voucher issuance request, feedback the anonymous e-voucher to the requesting party.

[0016] In one embodiment, the voucher attribute information further includes at least one of the following information: voucher code, voucher validity period, transferability information, renewability information. The voucher code is unique.

[0017] In one embodiment, the verification module is configured to send a face verification instruction to the requesting party; receive face information collected and sent by the requesting party in response to the face verification instruction; and perform a legality verification on the anonymous e-voucher issuance request according to the received face information and the face information associated with the identity information.

[0018] In one embodiment, the transfer module is configured to calculate a hash value of the voucher attribute information according to a preset one-way hash function; and encrypt the hash value by using the private key of the digital asset operator to obtain a voucher signature.

[0019] In one embodiment, the device further includes:

[0020] The write-off module is used to receive a write-off request for an anonymous e-voucher. The write-off request includes the real-name digital asset account of the write-off party, the write-off amount, and the anonymous e-voucher. It verifies the anonymous e-voucher carried in the write-off request. After successful verification, it transfers digital assets to the real-name digital asset account of the write-off party according to the write-off amount in the write-off request.

[0021] In one embodiment, the write-off module is further configured to extract the voucher attribute information and voucher signature of the anonymous e-voucher from the write-off request. Calculate the hash value of the extracted voucher attribute information according to a preset one-way hash function. Decrypt the extracted voucher signature according to the public key of the digital asset operator to obtain decryption data. When the calculated hash value is consistent with the decryption data, it is confirmed that the verification is passed.

[0022] In one embodiment, the write-off module is further configured to, when the write-off amount in the write-off request is greater than the voucher amount in the voucher attribute information of the anonymous e-voucher, feedback a write-off failure prompt message to the request end. When the write-off amount in the write-off request is equal to the voucher amount in the voucher attribute information of the anonymous e-voucher, feedback a write-off success prompt message to the request end and notify the request end that the anonymous e-voucher has been fully written off. When the write-off amount in the write-off request is less than the voucher amount in the voucher attribute information of the anonymous e-voucher, take the difference between the write-off amount and the voucher amount as the new voucher amount, update the voucher attribute information according to the new voucher amount, generate a new anonymous e-voucher according to the updated voucher attribute information, and feedback the new anonymous e-voucher to the request end.

[0023] In one embodiment, the device further includes:

[0024] The query response module is used to receive an information query request for an anonymous e-voucher. The information query request carries a voucher code. Query the voucher attribute information and usage status of the corresponding anonymous e-voucher according to the voucher code. In response to the information query request, feedback the queried voucher attribute information and usage status.

[0025] In one embodiment, the device further includes:

[0026] The transfer response module is used to receive a transfer request sent by the request end according to the anonymous e-voucher. The transfer request carries a transfer object. Extract the voucher attribute information of the anonymous e-voucher in the transfer request. Verify the anonymous e-voucher according to the voucher attribute information. When the verification is passed and the voucher attribute information indicates that the anonymous e-voucher can be transferred, send a prompt message that the anonymous e-voucher has been successfully transferred to the request end, and send the anonymous e-voucher to the transfer object.

[0027] In one embodiment, the device further includes:

[0028] A renewal response module, configured to receive a renewal request sent by the requesting end according to the anonymous electronic coupon, where the renewal request carries a coupon code and a renewal duration; extract the coupon attribute information of the anonymous electronic coupon in the renewal request; verify the anonymous electronic coupon according to the coupon attribute information, and when the verification passes and the coupon attribute information indicates that the anonymous electronic coupon can be renewed, generate a new expiration date according to the renewal duration, update the coupon attribute information according to the new expiration date, generate a new anonymous electronic coupon according to the updated coupon attribute information; and feedback the new anonymous electronic coupon to the requesting end.

[0029] In a third aspect, the present application further provides a computer device. The computer device includes a memory and a processor, the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0030] Receive an anonymous electronic coupon issuance request initiated by a requesting end through a real-name digital asset account, where the anonymous electronic coupon issuance request carries coupon attribute information, and the coupon attribute information at least includes the real-name digital asset account and the coupon amount, and the real-name digital asset account is opened from a digital asset operator;

[0031] Query the identity information associated with the real-name digital asset account in the coupon attribute information, and verify the legality of the anonymous electronic coupon issuance request according to the identity information;

[0032] After the legality verification passes, transfer digital assets from the real-name digital asset account to the digital asset operator according to the coupon amount in the coupon attribute information;

[0033] After the digital asset transfer is successful, digitally sign the coupon attribute information with the private key of the digital asset operator to obtain a coupon signature, and the coupon signature and the coupon attribute information form an anonymous electronic coupon;

[0034] In response to the anonymous electronic coupon issuance request, feedback the anonymous electronic coupon to the requesting end.

[0035] In a fourth aspect, the present application further provides a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0036] Receive an anonymous electronic coupon issuance request initiated by a requesting end through a real-name digital asset account, where the anonymous electronic coupon issuance request carries coupon attribute information, and the coupon attribute information at least includes the real-name digital asset account and the coupon amount, and the real-name digital asset account is opened from a digital asset operator;

[0037] Query the identity information associated with the real-name digital asset account in the voucher attribute information, and verify the legality of the anonymous e-voucher issuance request according to the identity information;

[0038] After the legality verification passes, transfer digital assets from the real-name digital asset account to the digital asset operator according to the voucher amount in the voucher attribute information;

[0039] After the digital asset transfer is successful, use the private key of the digital asset operator to digitally sign the voucher attribute information to obtain a voucher signature, and the voucher signature and the voucher attribute information form an anonymous e-voucher;

[0040] In response to the anonymous e-voucher issuance request, feedback the anonymous e-voucher to the requesting party.

[0041] In a fifth aspect, the present application also provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0042] Receive an anonymous e-voucher issuance request initiated by a requesting party through a real-name digital asset account. The anonymous e-voucher issuance request carries voucher attribute information, and the voucher attribute information at least includes the real-name digital asset account and the voucher amount. The real-name digital asset account is opened from a digital asset operator;

[0043] Query the identity information associated with the real-name digital asset account in the voucher attribute information, and verify the legality of the anonymous e-voucher issuance request according to the identity information;

[0044] After the legality verification passes, transfer digital assets from the real-name digital asset account to the digital asset operator according to the voucher amount in the voucher attribute information;

[0045] After the digital asset transfer is successful, use the private key of the digital asset operator to digitally sign the voucher attribute information to obtain a voucher signature, and the voucher signature and the voucher attribute information form an anonymous e-voucher;

[0046] In response to the anonymous e-voucher issuance request, feedback the anonymous e-voucher to the requesting party.

[0047] The above-mentioned anonymous electronic coupon generation method, device, computer device, storage medium, and computer program product, after receiving an anonymous electronic coupon issuance request initiated by a real-name digital asset account at the request end, query the identity information associated with the real-name digital asset account in the coupon attribute information, and perform a legality verification on the anonymous electronic coupon issuance request based on the identity information. After the legality verification passes, since the anonymous electronic coupon issuance request carries coupon attribute information, the coupon attribute information at least includes the real-name digital asset account and the coupon amount, and the real-name digital asset account is opened from the digital asset operator, so digital assets can be transferred from the real-name digital asset account to the digital asset operator according to the coupon amount in the coupon attribute information. After the digital asset transfer is successful, use the private key of the digital asset operator to digitally sign the coupon attribute information to obtain a coupon signature. The coupon signature and the coupon attribute information constitute an anonymous electronic coupon, and then, in response to the anonymous electronic coupon issuance request, feedback the anonymous electronic coupon to the request end. Thus, it realizes the support for consumers to issue anonymous electronic coupons according to their own wishes, and the anonymous electronic coupon is issued through a real-name digital asset account, which can support payments in various scenarios. Compared with the electronic coupons made by merchants, it has stronger financial attributes and general practicability. At the same time, this electronic coupon also has an anonymous attribute, which can protect consumers' personal privacy to a certain extent during payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] Figure 1 FIG. is an application environment diagram of an electronic coupon generation method in an embodiment;

[0049] Figure 2 FIG. is a flowchart of an electronic coupon generation method in an embodiment;

[0050] Figure 3 FIG. is an interface diagram of an anonymous electronic coupon issuance interface in an embodiment;

[0051] Figure 4 FIG. is a timing diagram of an anonymous electronic coupon issuance process in an embodiment;

[0052] Figure 5 FIG. is a schematic diagram of resource transfer when issuing an anonymous electronic coupon in an embodiment;

[0053] Figure 6 FIG. is a timing diagram of redeeming an anonymous electronic coupon in an embodiment;

[0054] Figure 7 FIG. is a schematic diagram of generating a coupon signature and verifying the signature in an embodiment;

[0055] Figure 8 FIG. is a flowchart of an electronic coupon generation method in another embodiment;

[0056] Figure 9 FIG. is a structural block diagram of an electronic coupon generation device in an embodiment;

[0057] Figure 10 It is the internal structure diagram of a computer device in an embodiment. Specific implementation manners

[0058] In order to make the objectives, technical solutions and advantages of the present application clearer, the present application will be further described in detail below with reference to 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.

[0059] Explanation of the terms related to the embodiments of the present application:

[0060] Digital signature: It is a mathematical algorithm, usually used to verify the authenticity and integrity of messages (such as emails, credit card transactions or digital documents). A digital signature creates a unique virtual fingerprint for an individual or entity, used to identify the user and protect the information in the digital message or document. A digital signature achieves this purpose by generating a unique hash value of the message or document and encrypting it with the sender's private key. The generated hash value is unique to the message or document, and changing any part of it will completely change the hash value.

[0061] Anonymous electronic coupon: The anonymous electronic coupon generated by the embodiments of the present application can be issued by a user, can deduct part or all of the payment amount during payment, and when deducting, there is no need to input the consumer's personal information such as name or account, etc., has an anonymous attribute, and can protect the consumer's personal privacy to a certain extent during payment.

[0062] Digital asset: The digital asset mentioned in the embodiments of the present application can be a non-monetary asset existing in digital form. For example, the digital asset can be a virtual asset. The digital asset can also refer to a monetary asset existing in digital form. For example, digital RMB has value characteristics and legal tender properties.

[0063] Digital asset operator: It is an authorized and designated institution responsible for providing the exchange and circulation services of digital assets.

[0064] The electronic coupon generation method provided by the embodiments of the present application can be applied to, for example Figure 1In the application environment shown. Among them, the requesting end 102 communicates with the server 104 through the network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or can be placed on the cloud or other servers. In one embodiment, the server 104 receives an anonymous electronic voucher issuance request initiated by the requesting end 102 through a real-name digital asset account. The anonymous electronic voucher issuance request carries voucher attribute information, and the voucher attribute information at least includes the real-name digital asset account and the voucher amount. The real-name digital asset account is opened by the digital asset operator; query the identity information associated with the real-name digital asset account in the voucher attribute information, and perform a legality verification on the anonymous electronic voucher issuance request according to the identity information; after the legality verification passes, transfer digital assets from the real-name digital asset account to the digital asset operator according to the voucher amount in the voucher attribute information; after the digital asset transfer is successful, use the private key of the digital asset operator to digitally sign the voucher attribute information to obtain a voucher signature, and the voucher signature and the voucher attribute information constitute an anonymous electronic voucher; in response to the anonymous electronic voucher issuance request, feedback the anonymous electronic voucher to the requesting end 102.

[0065] Among them, the requesting end can be but is not limited to various desktop computers, laptop computers, smart phones, tablet computers, Internet of Things devices, and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart in-vehicle devices, etc. The portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. The server 104 can be the back-end server of the digital asset operator, and can provide digital asset-related services for the digital asset accounts opened by the digital asset operator, such as account opening services, recharge services, transfer services, payment services, and so on. The server 104 is implemented by an independent server or a server cluster composed of multiple servers.

[0066] In a specific application scenario, a digital asset client runs on the requesting end 102, and the digital asset client supports users to open digital asset accounts from the digital asset operator. There can be multiple digital asset operators, and each digital asset operator is authorized by an authoritative institution. Users can choose any one of the digital asset operators to open a digital asset account. In addition, it supports users to open multiple digital asset accounts at different digital asset operators, and digital asset storage and transactions can be realized based on the digital asset accounts. After opening a digital asset account, the back-end server 104 of the digital asset operator will provide digital asset-related services for the user's digital asset account, and the relevant data will also be stored in the back-end server of the digital asset operator, and corresponding query services will be provided.

[0067] In one embodiment, for the anonymous electronic vouchers generated through the embodiments of the present application, users can use them at merchants accessing the digital asset payment system, such as offline merchants, online merchants, and so on. For example, in some online e-commerce platforms, which are connected to different payment systems, these payment systems may include third-party payment systems, bank card payment systems, digital asset-based payment systems, etc. Users can use their real-name digital asset accounts to make payments in the digital asset-based payment system, and use the owned anonymous electronic vouchers to deduct the payment when making payments. When using the anonymous electronic vouchers to deduct the payment, their identity information is hidden. Thus, the personal privacy of consumers can be protected during payment, ensuring the payment security of consumers. Another example is that at some offline merchants, which are connected to different payment systems, they also support users to present the voucher codes of anonymous electronic vouchers or provide and input the voucher codes of anonymous electronic vouchers to the merchants for anonymous payment, which can also protect the personal privacy of consumers and ensure the payment security of consumers during payment.

[0068] In one embodiment, as Figure 2 shown, a method for generating an electronic voucher is provided. Taking the case where this method is applied to Figure 1 the server 104 therein as an example for illustration, it includes the following steps:

[0069] Step 202, receiving an anonymous electronic voucher issuance request initiated by the request end through a real-name digital asset account. The anonymous electronic voucher issuance request carries voucher attribute information, and the voucher attribute information at least includes the real-name digital asset account and the voucher amount. The real-name digital asset account is opened from a digital asset operator.

[0070] The request end is the terminal that initiates the anonymous electronic voucher issuance request. The real-name digital asset account is a digital asset account opened by the user from a digital asset operator, which has a real-name attribute and can be used to store and trade digital assets. In the embodiments of the present application, for the sake of distinction from the anonymous electronic voucher, it is thus called the real-name digital asset account.

[0071] Specifically, after the request end opens a real-name digital asset account from a digital asset operator, it can initiate an anonymous electronic voucher issuance request through the real-name digital asset account. The anonymous electronic voucher issuance request carries voucher attribute information, and the voucher attribute information at least includes the real-name digital asset account and the voucher amount.

[0072] The coupon attribute information is information used to describe the attributes of the anonymous electronic coupon to be generated. The coupon attribute information may include at least one of the following information: issuer, type, real-name digital asset account, coupon amount, coupon code, coupon validity period, transferability information, renewability information, and so on. The issuer in the coupon attribute information may be the name of the user applying for the issuance of the anonymous electronic coupon. The real-name digital asset account in the coupon attribute information is used to mark which real-name digital asset account the anonymous electronic coupon is specifically opened through. The coupon amount in the coupon attribute information is used to describe the value of the anonymous electronic coupon. The coupon code is used to uniquely identify the anonymous electronic coupon to be generated, which is convenient for querying relevant information of the anonymous electronic coupon according to the coupon code, such as payment records, etc. The coupon code is unique, which can ensure that the relevant information of the uniquely corresponding anonymous electronic coupon can be queried through the coupon code.

[0073] In one embodiment, the coupon code may be generated by the request end according to the real-name digital asset account, timestamp, and random number. Optionally, the request end may directly splice the above content to obtain a fixed-length digital string as the coupon code. Optionally, the request end may generate a corresponding fixed-length hash value according to the above content through a preset hash function as the coupon code. In this embodiment, due to the uniqueness of the timestamp and the randomness of the random number, it can be ensured that the generated coupon code is unique and can be used to query the relevant information of the anonymous electronic coupon according to the coupon code.

[0074] In one embodiment, the request end sends the anonymous electronic coupon issuance request to the digital asset service background. After the digital asset service background receives the anonymous electronic coupon issuance request, it extracts the real-name digital asset account carried in the anonymous electronic coupon issuance request, determines the digital asset operator corresponding to the real-name digital asset account, and then forwards the anonymous electronic coupon issuance request to the server of the digital asset operator. The server will then generate an anonymous electronic coupon for the user in response to the anonymous electronic coupon issuance request.

[0075] In one embodiment, the digital asset client running on the request end displays multiple digital asset accounts of the user, all of which are real-name accounts. After the user selects a real-name digital asset account opened from the target digital asset operator, the user enters the details page of the account. The details page includes an entry for issuing an anonymous electronic coupon. Through this entry, the user enters the anonymous electronic coupon issuance interface. The user confirms the coupon attribute information in the anonymous electronic coupon issuance interface and then triggers the confirmation instruction for issuing the anonymous electronic coupon. At this time, the terminal will determine the target digital asset operator corresponding to the interface, and then send the mark of the target digital asset operator and the anonymous electronic coupon issuance request corresponding to the confirmation instruction to the digital asset service background. The background will directly forward the received anonymous electronic coupon issuance request to the server of the target digital asset operator, and the server will generate an anonymous electronic coupon for the user in response to the anonymous electronic coupon issuance request.

[0076] like Figure 3 FIG. 1 is a schematic diagram of an anonymous electronic voucher issuance interface in one embodiment. Figure 3 In the anonymous electronic voucher issuance interface, users can select or customize the voucher amount and validity period. The voucher amount can be customized according to the user's wishes within the voucher amount upper limit. For example, if the voucher amount upper limit is 500 yuan, the user can customize the full amount to 100 yuan or 200 yuan. Similarly, the validity period can be customized according to the user's wishes within the validity period upper limit, etc. Users can also choose whether to transfer the anonymous electronic voucher to be generated, and whether to renew the anonymous electronic voucher to be generated. After the user completes the confirmation of the above information, the complete voucher attribute information will be obtained. The request end generates an anonymous electronic voucher issuance request based on the voucher attribute information and sends it to the server of the digital asset operator corresponding to the real-name digital asset account.

[0077] Step 204, query the identity information associated with the real-name digital asset account in the voucher attribute information, and verify the legitimacy of the anonymous electronic voucher issuance request based on the identity information.

[0078] In order to ensure that the issuance of anonymous electronic vouchers is voluntarily applied for by users and to prevent real-name digital asset accounts from being maliciously misused, the server needs to verify the legitimacy of the anonymous electronic voucher issuance request initiated by the requesting end to ensure the security of issuing anonymous electronic vouchers. Specifically, after receiving the anonymous electronic voucher issuance request, the server extracts the voucher attribute information from the anonymous electronic voucher issuance request. The voucher attribute information includes the real-name digital asset account. The server can query the identity information associated with the real-name digital asset account and verify the legitimacy of the anonymous electronic voucher issuance request based on the queried identity information.

[0079] In one embodiment, the server may instruct the requesting end to display multiple verification methods to the user, such as short message verification or biometric authentication. Biometric authentication includes, for example, face verification, fingerprint authentication, palmprint authentication, iris authentication, and so on. The user can select one of them for verification. Optionally, when the user selects SMS verification, the identity information associated with the real-name digital asset account may be the mobile phone number bound to the real-name digital asset account. The server will send a verification code to this mobile phone number. After the user enters the received verification code and sends it to the server through the requesting end, the server compares the sent verification code with the received verification code to determine whether they are consistent. If they are consistent, it is confirmed that the legitimacy verification of the above anonymous e-voucher issuance request passes; otherwise, it fails. Optionally, when the user selects face verification, the identity information associated with the real-name digital asset account may be the identity identifier of the real-name digital asset account. At this time, the server may send a face verification instruction to the requesting end, receive the face information collected and sent by the requesting end in response to this face verification instruction, and perform a legitimacy verification on the anonymous e-voucher issuance request based on the received face information and the face information associated with this identity information. If the face information comparison is consistent, it is confirmed that the legitimacy verification of the above anonymous e-voucher issuance request passes; otherwise, it fails. It can be understood that in the case where the legitimacy verification fails, the issuance process can be directly ended.

[0080] Step 206, after the legitimacy verification passes, transfer digital assets from the real-name digital asset account to the digital asset operator according to the voucher amount in the voucher attribute information.

[0081] As mentioned above, the digital asset operator is an institution that provides digital asset exchange and circulation services. After the user opens a digital asset account with the digital asset operator, the digital asset operator can provide more convenient, fast, and secure payment and settlement services for the user. After the server passes the legitimacy verification of the anonymous e-voucher issuance request, it can transfer digital assets from the user's real-name digital asset account to the corresponding real-name digital asset account of the digital asset operator according to the voucher amount in the voucher attribute information.

[0082] Of course, in some cases, asset transfer may fail. For example, the account balance of the real-name digital asset account is not sufficient to cover the voucher amount in the above voucher attribute information. In this case, after relevant prompts are given according to the failure reason, the issuance process can be ended.

[0083] Step 208, after the digital asset transfer is successful, digitally sign the voucher attribute information with the private key of the digital asset operator to obtain a voucher signature, and the voucher signature and the voucher attribute information constitute an anonymous e-voucher.

[0084] To characterize the true legitimacy of the anonymous e-voucher, after the digital asset transfer is successful, the server will use the private key of the digital asset operator to digitally sign the voucher attribute information to obtain a voucher signature, and the obtained voucher signature and the above-mentioned voucher attribute information together constitute the anonymous e-voucher.

[0085] The digital asset operator has a pair of public and private keys. The public key consists of a string of random numbers and can be used to encrypt messages. Only the intended recipient can decrypt and read the message using the private key associated with the public key. The private key also consists of a long string of random numbers. The private key is a secret key and must be known only to the recipient. The public key and the private key are mathematically related, and anything encrypted using the public key or the private key can only be decrypted by its corresponding counterpart.

[0086] In one embodiment, the server will generate an immutable record of this asset transfer record. For example, after the server completes the digital asset transfer, it generates a transaction record, which includes the issuer, the real-name digital asset account of the issuer, the amount of the digital asset (i.e., the voucher amount), the recipient of the digital asset and their real-name digital asset account, the transfer time, the usage status, the voucher signature, and the voucher attribute information. The server records this transaction record to the blockchain corresponding to the real-name digital asset account, and this blockchain is used to record every transaction data related to the real-name digital asset account. In this way, the record of the issuance request can be realized, which is convenient for tracing.

[0087] In one embodiment, to facilitate querying the relevant information of the anonymous e-voucher, the server can also build a database and store the voucher code and the transaction record correspondingly, so that the relevant information of the corresponding anonymous e-voucher can be queried according to the voucher code.

[0088] Step 210, in response to the anonymous e-voucher issuance request, feedback the anonymous e-voucher to the request side.

[0089] Specifically, after the above-mentioned legitimacy verification passes and the digital asset transfer is successful, the server can generate an anonymous e-voucher according to the generated voucher signature and voucher attribute information, and generate a response to the above-mentioned anonymous e-voucher issuance request according to the generated anonymous e-voucher, and return this response to the request side, thus realizing that the user issues an anonymous e-voucher based on their real-name digital asset account.

[0090] In one embodiment, the method further includes: receiving an information query request for the anonymous e-voucher, where the information query request carries a voucher code; querying the voucher attribute information and usage status of the corresponding anonymous e-voucher according to the voucher code; and in response to the information query request, feedbacking the queried voucher attribute information and usage status.

[0091] Optionally, after the server returns the response to the requesting end, the digital asset client running on the requesting end can display the anonymous e-vouchers issued through the real-name digital asset account when issuing the anonymous e-vouchers on the account details page of the real-name digital asset account, and also display the attribute information about the anonymous e-vouchers, such as the validity period, the voucher amount, etc., and can also display an entry for querying the anonymous e-voucher. Clicking on this entry can pull the voucher attribute information and usage status of the anonymous e-voucher from the server.

[0092] As Figure 4 shown, it is a timing diagram of the issuance process of anonymous e-vouchers in an embodiment. Referring to Figure 4 , this timing diagram involves the digital asset client running on the requesting end and the server corresponding to the digital asset operator. The server can provide transaction and storage services for digital assets for the real-name digital asset account opened by the digital asset operator. On the digital asset client, after the user inputs information such as the voucher amount and the validity period, the user can trigger the issuance operation of issuing anonymous e-vouchers through the real-name digital asset account. At this time, the digital asset operation end will generate a voucher code according to information such as the time stamp and the random number, and initiate an anonymous e-voucher issuance request to the server according to the voucher attribute information such as the voucher code and the real-name digital asset account. The server performs a legality verification based on the identity information associated with the real-name digital asset account in the voucher attribute information. After the verification passes, according to the voucher amount in the voucher attribute information, the digital assets are transferred from the real-name digital asset account to the digital asset operator, that is, the balance in the user's real-name digital asset account is deducted, and the balance in the digital asset operator's digital asset account is increased. Then, the private key of the digital asset operator is used for signing to obtain a voucher signature, and the anonymous e-voucher composed of the voucher signature and the voucher attribute information is returned to the requesting end, and the requesting end displays the anonymous e-voucher.

[0093] In the above anonymous e-voucher generation method, after receiving an anonymous e-voucher issuance request initiated by a real-name digital asset account at the request receiving end, the identity information associated with the real-name digital asset account in the voucher attribute information is queried, and the anonymous e-voucher issuance request is verified for legality based on the identity information. After the legality verification passes, since the anonymous e-voucher issuance request carries voucher attribute information, the voucher attribute information includes at least the real-name digital asset account and the voucher amount, and the real-name digital asset account is opened from the digital asset operator. Therefore, the digital assets can be transferred from the real-name digital asset account to the digital asset operator according to the voucher amount in the voucher attribute information. After the digital asset transfer is successful, the voucher attribute information is digitally signed using the private key of the digital asset operator to obtain a voucher signature. The voucher signature and the voucher attribute information constitute an anonymous e-voucher, and the anonymous e-voucher can be fed back to the request end in response to the anonymous e-voucher issuance request. Thus, it realizes the support for consumers to issue anonymous e-vouchers according to their own wishes, and the anonymous e-vouchers are issued through real-name digital asset accounts, which can support payments in various scenarios. Compared with the e-vouchers made by merchants, they have stronger financial attributes and general practicability. At the same time, the e-vouchers also have an anonymous attribute, which can protect consumers' personal privacy to a certain extent during payment.

[0094] In the above embodiment, as Figure 5 shown in part (a), when issuing an anonymous e-voucher, the triggered asset transfer is from the real-name digital asset account A of the requester to the real-name digital asset account B of the digital asset operator. The anonymous e-voucher generated based on this can be written off and used at each merchant accessing the digital asset operator. When the subsequent user uses the anonymous e-voucher for deduction payment, the write-off is triggered. During the write-off, it also involves the re-transfer of digital assets. The triggered asset transfer is from the real-name digital asset account B of the real-name digital asset operator to the real-name digital asset account C of the write-off party. In other embodiments, as Figure 5 shown in part (b), when issuing an anonymous e-voucher issuance request, the merchant identifier or merchant platform identifier can be directly carried in the request. The triggered asset transfer is from the real-name digital asset account A of the requester to the digital asset account D corresponding to the merchant identifier or merchant platform identifier (i.e., the write-off party). When the subsequent user uses the anonymous e-voucher for deduction payment, the write-off is triggered. When the write-off is successful, only the use status and voucher amount of the anonymous e-voucher are updated through the server, and there is no need to trigger the digital asset transfer again.

[0095] In one embodiment, digitally signing the voucher attribute information using the public and private keys of the digital asset operator to obtain a voucher signature includes: calculating the hash value of the voucher attribute information according to a preset one-way hash function; encrypting the hash value using the private key of the digital asset operator to obtain a voucher signature.

[0096] Among them, the one-way hash function, also known as the one-way Hash function, can transform an input string of any length into an output string of a fixed length through this function, and it is difficult to obtain the input string from the output string. This output string is called the hash value of the message. In the embodiments of the present application, the server calculates the hash value of the coupon attribute information through a preset one-way hash function, which can improve the validity of the coupon signature. Using the private key of the digital asset operator to encrypt the hash value can be used to ensure the true validity of the anonymous electronic coupon during subsequent anonymous electronic coupon verification.

[0097] In one embodiment, the method further includes: receiving a verification request for an anonymous electronic coupon, where the verification request includes the real-name digital asset account of the verifier, the verification amount, and the anonymous electronic coupon; verifying the anonymous electronic coupon carried in the verification request; and after the verification passes, transferring digital assets to the real-name digital asset account of the verifier according to the verification amount in the verification request.

[0098] The verifier is the party that verifies the anonymous electronic coupon held by the user. For example, when the user makes a payment with an anonymous electronic coupon, the user will provide their anonymous electronic coupon to the other party. At this time, the other party, as the verifier, will initiate a verification request to the server after receiving the user's anonymous electronic coupon. The anonymous electronic coupon is issued from a real-name digital asset account opened by a certain digital asset operator. The verifier can be a merchant or business that has accessed the digital asset operator and can be represented by a merchant identifier.

[0099] In one embodiment, the user who owns the anonymous electronic coupon can provide the locally stored coupon signature and coupon attribute information to the verifier, thereby triggering a verification request. Optionally, the coupon signature and coupon attribute information can be encapsulated in a preset data structure to form a data structure body, which is the anonymous electronic coupon and is sent to the verifier.

[0100] Specifically, after the terminal corresponding to the verifier obtains the anonymous electronic coupon, it will generate a verification request for the anonymous electronic coupon according to the real-name digital asset account of the verifier, the verification amount, and the anonymous electronic coupon. After the server receives the verification request for the anonymous electronic coupon, to ensure the security and one-time validity of the verification, the server will verify the anonymous electronic coupon carried in the verification request. After the verification passes, according to the verification amount in the verification request, digital assets will be transferred from the real-name digital asset account of the digital asset operator to the real-name digital asset account of the verifier, and the anonymous electronic coupon will be verified and the user will no longer own the anonymous electronic coupon. It can be seen that only the real-name digital asset account of the verifier, the verification amount, and the verification of the anonymous electronic coupon are involved in the verification process, and the personal information of the user who holds the anonymous electronic coupon will not be disclosed to the verifier, which can ensure the security of the payment process.

[0101] Optionally, after the write-off is completed, the digital asset client can directly delete the anonymous e-voucher owned by the user, or update the status of the anonymous e-voucher to written-off or unavailable.

[0102] As Figure 6 shown, it is a timing diagram for writing off an anonymous e-voucher in an embodiment. Referring to Figure 6 , this timing diagram involves the digital asset client running on the requesting end and the server corresponding to the digital asset operator. The server can provide transaction and storage services for digital assets for the real-name digital asset account opened by the digital asset operator. On the digital asset client, the user can query their anonymous e-voucher and provide the anonymous e-voucher to the write-off party. After obtaining the anonymous e-voucher, the write-off party sends a write-off request to the server corresponding to the digital asset operator according to the anonymous e-voucher. The server only needs to verify the validity of the anonymous e-voucher to complete the write-off, without the need to obtain and verify relevant information of the issuer, realizing the anonymity of the write-off process and effectively ensuring the privacy and security during the use of the anonymous e-voucher.

[0103] In an embodiment, verifying the anonymous e-voucher carried in the write-off request includes: extracting the voucher attribute information and voucher signature of the anonymous e-voucher from the write-off request; calculating the hash value of the extracted voucher attribute information according to a preset one-way hash function; decrypting the extracted voucher signature according to the public key of the digital asset operator to obtain decrypted data; and confirming that the verification passes when the calculated hash value is consistent with the decrypted data.

[0104] Specifically, after receiving the write-off request, the server locally calculates the hash value of the extracted voucher attributes by itself using a one-way hash function, and locally decrypts the voucher signature using its own public key. When the decrypted data is consistent with the calculated hash value, it indicates that the voucher signature and the voucher attribute information correspond and have not been modified, and the voucher attribute information includes the voucher amount, indicating that the voucher amount is also accurate. At this time, it can be directly determined that the verification passes and the write-off is successful. Otherwise, when they are inconsistent, it is confirmed that the verification fails and the write-off fails.

[0105] As Figure 7 shown, it is a schematic diagram of generating a voucher signature and verifying the signature in an embodiment. Referring to Figure 7, at the time of issuance, the server corresponding to the digital asset operator calculates the hash value corresponding to the coupon attribute information through a one-way hash function, then encrypts the hash value using the private key of the digital asset operator to obtain the coupon signature, and then sends the coupon signature and the coupon attribute information to the requesting end. At the time of redemption, the requesting end sends the coupon signature and the coupon attribute information to the terminal corresponding to the redemption party, and the terminal corresponding to the redemption party sends the coupon signature and the coupon attribute information to the server for redemption. After receiving the coupon signature and the coupon attribute information, the server first decrypts the received coupon signature using the public key of the digital asset operator to obtain the decrypted data, and then calculates the hash value corresponding to the received coupon attribute information locally through a one-way hash function. If the decrypted data is consistent with the calculated hash value, it indicates that the verification is passed, and the redemption of the anonymous electronic coupon can be completed.

[0106] In one embodiment, when the redemption amount in the redemption request is greater than the coupon amount in the coupon attribute information of the anonymous electronic coupon, a prompt message indicating redemption failure is fed back to the requesting end.

[0107] In one embodiment, when the redemption amount in the redemption request is equal to the coupon amount in the coupon attribute information of the anonymous electronic coupon, a prompt message indicating successful redemption is fed back to the requesting end, and the requesting end is notified that the anonymous electronic coupon has been fully redeemed.

[0108] In one embodiment, when the redemption amount in the redemption request is less than the coupon amount in the coupon attribute information of the anonymous electronic coupon, the difference between the redemption amount and the coupon amount is used as the new coupon amount, the coupon attribute information is updated according to the new coupon amount, and a new anonymous electronic coupon is generated according to the updated coupon attribute information; the new anonymous electronic coupon is fed back to the requesting end. In this embodiment, when the redemption amount in the redemption request is less than the coupon amount in the coupon attribute information of the anonymous electronic coupon, to support the split use of the anonymous electronic coupon, since the coupon amount changes and the coupon attribute information changes, the server can re-sign the coupon signature and regenerate the anonymous electronic coupon in a similar manner as above according to the updated coupon attribute information, which can ensure that the remaining coupon amount of the original anonymous electronic coupon can be successfully used and redeemed subsequently, and can take into account the personal privacy of users when they pay while ensuring user utilization.

[0109] In one embodiment, the method further includes: receiving a transfer request sent by the requesting end according to the anonymous electronic coupon, where the transfer request carries the transfer object; extracting the coupon attribute information of the anonymous electronic coupon in the transfer request; verifying the anonymous electronic coupon according to the coupon attribute information, and when the verification is passed and the coupon attribute information indicates that the anonymous electronic coupon can be transferred, a prompt message indicating that the anonymous electronic coupon has been successfully transferred is sent to the requesting end, and the anonymous electronic coupon is sent to the transfer object.

[0110] As mentioned above, in some embodiments, when a user applies for the issuance of an anonymous e-voucher, the user can customize whether the to-be-generated anonymous e-voucher supports transfer. In the case of supporting transfer, the user can apply to transfer the anonymous e-voucher. Specifically, when the user transfers the anonymous e-voucher, the user can input the transfer recipient and then trigger a transfer request. The transfer request carries the anonymous e-voucher and the transfer recipient. After receiving the transfer request, the server needs to verify the validity of the anonymous e-voucher. Similarly, after the server extracts the voucher signature and voucher attribute information of the anonymous e-voucher carried in the transfer request, it first decrypts the received voucher signature using the public key of the digital asset operator to obtain decryption data, and then calculates the hash value corresponding to the received voucher attribute information locally through a one-way hash function. If the decryption data is consistent with the calculated hash value, it indicates that the verification is passed. Then, it checks whether the voucher attribute information indicates that the anonymous e-voucher is transferable. If so, it sends the anonymous e-voucher to the transfer recipient. Since the voucher attribute information of the anonymous e-voucher has not changed at all and does not involve the information of the transferor, the server does not need to re-sign the voucher attribute information. It only needs to record at the transferor's side that the anonymous e-voucher has been transferred or is invalid or unavailable, so as to ensure that the original user cannot initiate a redemption request or a transfer request. At the same time, the server sends the anonymous e-voucher to the transfer recipient. For example, the anonymous e-voucher can be bound to the real-name digital asset account opened by the transfer recipient and the same digital asset operator.

[0111] In one embodiment, the method further includes: receiving a renewal request sent by the request end according to the anonymous e-voucher, where the renewal request carries a voucher code and a renewal duration; extracting the voucher attribute information of the anonymous e-voucher in the renewal request; verifying the anonymous e-voucher according to the voucher attribute information. When the verification is passed and the voucher attribute information indicates that the anonymous e-voucher is renewable, generating a new expiration date according to the renewal duration, updating the voucher attribute information according to the new expiration date, generating a new anonymous e-voucher according to the updated voucher attribute information; and feeding back the new anonymous e-voucher to the request end.

[0112] As mentioned above, in some embodiments, when a user applies for the issuance of an anonymous electronic voucher, the user can customize whether the anonymous electronic voucher to be generated supports renewal. If renewal is supported, the user can apply to renew the anonymous electronic voucher. Specifically, when applying for renewal, the user can enter the renewal period, and then trigger a renewal request, which carries the anonymous electronic voucher. After receiving the transfer request, the server needs to verify the validity of the anonymous electronic voucher. Similarly, after the server extracts the voucher signature and voucher attribute information of the anonymous electronic voucher carried in the transfer request, it first uses the public key of the digital asset operator to decrypt the received voucher signature to obtain the decrypted data, and then locally calculates the hash value corresponding to the received voucher attribute information through a one-way hash function. If the decrypted data is consistent with the calculated hash value, it means that the verification is successful, and then checks whether the voucher attribute information indicates that the anonymous electronic voucher is renewable. If so, a new valid expiration date is generated based on the renewal period. Since the voucher attribute information has changed, the server updates the voucher attribute information based on the new valid expiration date, generates a new anonymous electronic voucher based on the updated voucher attribute information, and returns the new anonymous electronic voucher to the user.

[0113] In one embodiment, for unredeemed anonymous electronic vouchers, the server can calculate the expiration date based on the validity period of the anonymous electronic vouchers, monitor the anonymous electronic vouchers whose validity period has expired, and support the return of the anonymous electronic vouchers when they expire and are not verified. That is, after the expiration, the server transfers the digital assets from the real-name digital asset account of the digital asset operator to the real-name digital asset account based on the user's real-name digital asset account and the voucher amount in the voucher attribute information, thereby realizing the expiration return of the anonymous electronic vouchers.

[0114] In a specific embodiment, Figure 8 As shown, a method for generating an electronic voucher is provided, which specifically includes the following steps:

[0115] Step 802, the requesting end generates a voucher code based on the real-name digital asset account, timestamp and random number;

[0116] Step 804: The requesting end initiates an anonymous electronic voucher issuance request through a real-name digital asset account. The anonymous electronic voucher issuance request carries voucher attribute information. The voucher attribute information includes at least a voucher code, the real-name digital asset account, and a voucher amount. The real-name digital asset account is opened from a digital asset operator.

[0117] Step 806, the server receives the anonymous electronic voucher issuance request, extracts the voucher attribute information, and queries the identity information associated with the real-name digital asset account in the voucher attribute information;

[0118] Step 808: The server sends a face verification instruction to the requesting end, instructing the requesting end to collect face information;

[0119] Step 810, the server receives the face information collected and sent by the requesting end in response to the face verification instruction, and verifies the legality of the anonymous e-voucher issuance request according to the received face information and the face information associated with the identity information;

[0120] Step 812, after the legality verification passes, the server transfers digital assets from the real-name digital asset account to the digital asset operator according to the voucher amount in the voucher attribute information;

[0121] Step 814, after the digital asset transfer is successful, the server calculates the hash value of the voucher attribute information according to a preset one-way hash function, encrypts the hash value using the private key of the digital asset operator to obtain a voucher signature, and the voucher signature and the voucher attribute information form an anonymous e-voucher;

[0122] Step 816, in response to the anonymous e-voucher issuance request, the server feeds back the anonymous e-voucher to the requesting end;

[0123] Step 818, the server receives an information query request for an anonymous e-voucher. The information query request carries a voucher code, queries the voucher attribute information and usage status of the corresponding anonymous e-voucher according to the voucher code, and in response to the information query request, feeds back the queried voucher attribute information and usage status;

[0124] Step 820, the server receives a transfer request sent by the requesting end according to the anonymous e-voucher. The transfer request carries a transfer object, extracts the voucher attribute information of the anonymous e-voucher in the transfer request, verifies the anonymous e-voucher according to the voucher attribute information, and when the verification passes and the voucher attribute information indicates that the anonymous e-voucher can be transferred, sends a prompt message that the anonymous e-voucher has been successfully transferred to the requesting end, and sends the anonymous e-voucher to the transfer object;

[0125] Step 822, the server receives a renewal request sent by the requesting end according to the anonymous e-voucher. The renewal request carries a voucher code and a renewal duration, extracts the voucher attribute information of the anonymous e-voucher in the renewal request, verifies the anonymous e-voucher according to the voucher attribute information, and when the verification passes and the voucher attribute information indicates that the anonymous e-voucher can be renewed, generates a new expiration date according to the renewal duration, updates the voucher attribute information according to the new expiration date, generates a new anonymous e-voucher according to the updated voucher attribute information, and feeds back the new anonymous e-voucher to the requesting end;

[0126] Step 824, the server receives a cancellation request for an anonymous e-voucher. The cancellation request includes the real-name digital asset account of the canceling party, the cancellation amount, and the anonymous e-voucher;

[0127] Step 826, the server extracts the voucher attribute information and voucher signature of the anonymous e-voucher from the cancellation request;

[0128] Step 828, the server calculates the hash value of the extracted coupon attribute information according to a preset one-way hash function;

[0129] Step 830, the server decrypts the extracted coupon signature according to the public key of the digital asset operator to obtain decrypted data;

[0130] Step 832, when the calculated hash value is consistent with the decrypted data, the server confirms that the verification is passed;

[0131] Step 834, after the verification is passed, the server transfers digital assets to the real-name digital asset account of the write-off party according to the write-off amount in the write-off request;

[0132] Step 836, when the write-off amount in the write-off request is greater than the coupon amount in the coupon attribute information of the anonymous e-coupon, the server feeds back a prompt message indicating that the write-off fails to the requesting end;

[0133] Step 838, when the write-off amount in the write-off request is equal to the coupon amount in the coupon attribute information of the anonymous e-coupon, the server feeds back a prompt message indicating that the write-off is successful to the requesting end and notifies the requesting end that the anonymous e-coupon has been fully written off;

[0134] Step 840, when the write-off amount in the write-off request is less than the coupon amount in the coupon attribute information of the anonymous e-coupon, the server uses the difference between the write-off amount and the coupon amount as the new coupon amount, updates the coupon attribute information according to the new coupon amount, generates a new anonymous e-coupon according to the updated coupon attribute information, and feeds back the new anonymous e-coupon to the requesting end.

[0135] Based on different or the same embodiments provided in this application, the following effects can be achieved: issuing anonymous e-coupons based on real-name digital asset accounts, generating anonymous e-coupons by digital asset operators authorized by authoritative institutions, which can be used at multiple different merchants accessing the digital asset operator. For example, they can be used in offline merchants and different online e-commerce platforms, which can expand the usage scenarios of anonymous e-coupons and have better liquidity. In addition, applying for and generating anonymous e-coupons based on real-name digital asset accounts can be returned to the original real-name digital asset account by the digital asset operator when the validity period expires, support renewal, transfer, and split use. Compared with general commodity coupons, they have stronger financial attributes. In addition, personal information of the real-name digital asset account required at the time of issuance is not needed during write-off, which can protect the personal privacy of consumers when paying based on real-name digital asset accounts and ensure the payment security of consumers.

[0136] It should be understood that although the steps in the flowcharts involved in the above-described embodiments are shown in sequence according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless there is a clear indication in this article, the execution of these steps has no 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-described embodiments may include multiple steps or multiple stages. These steps or stages are not necessarily executed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be executed alternately or in turn with at least a part of other steps or steps or stages in other steps.

[0137] Based on the same inventive concept, an embodiment of the present application further provides an electronic voucher generation device for implementing the above-mentioned electronic voucher generation method. The solution provided by this device to solve the problem is similar to the solution described in the above method. Therefore, the specific limitations in one or more embodiments of the following electronic voucher generation device can refer to the limitations on the electronic voucher generation method in the above text, and will not be repeated here.

[0138] In one embodiment, as Figure 9 shown, an electronic voucher generation device 900 is provided, including: a receiving module 902, a verification module 904, a transfer module 906, a signature module 908, and a feedback module 910, where:

[0139] The receiving module 902 is configured to receive an anonymous electronic voucher issuance request initiated by a requesting end through a real-name digital asset account. The anonymous electronic voucher issuance request carries voucher attribute information, and the voucher attribute information at least includes the real-name digital asset account and the voucher amount. The real-name digital asset account is opened from a digital asset operator;

[0140] The verification module 904 is configured to query the identity information associated with the real-name digital asset account in the voucher attribute information, and perform a legality verification on the anonymous electronic voucher issuance request according to the identity information;

[0141] The transfer module 906 is configured to, after the legality verification is passed, transfer digital assets from the real-name digital asset account to the digital asset operator according to the voucher amount in the voucher attribute information;

[0142] The signature module 908 is configured to, after the digital asset transfer is successful, perform a digital signature on the voucher attribute information using the private key of the digital asset operator to obtain a voucher signature. The voucher signature and the voucher attribute information constitute an anonymous electronic voucher;

[0143] The feedback module 910 is configured to, in response to the anonymous electronic voucher issuance request, feedback the anonymous electronic voucher to the requesting end.

[0144] In one embodiment, the coupon attribute information further includes at least one of the following information: coupon code, coupon validity period, transferability information, renewal information, and the coupon code is unique.

[0145] In one embodiment, the verification module 904 is configured to send a face verification instruction to the requesting end; receive the face information collected and sent by the requesting end in response to the face verification instruction; and perform a legality verification on the anonymous electronic coupon issuance request according to the received face information and the face information associated with the identity information.

[0146] In one embodiment, the transfer module 906 is configured to calculate a hash value of the coupon attribute information according to a preset one-way hash function; and encrypt the hash value by using the private key of the digital asset operator to obtain a coupon signature.

[0147] In one embodiment, the electronic coupon generation device 900 further includes:

[0148] A verification module, configured to receive a verification request for an anonymous electronic coupon, where the verification request includes the real-name digital asset account of the verifier, the verification amount, and the anonymous electronic coupon; verify the anonymous electronic coupon carried in the verification request; and after the verification passes, transfer digital assets to the real-name digital asset account of the verifier according to the verification amount in the verification request.

[0149] In one embodiment, the verification module is further configured to extract the coupon attribute information and the coupon signature of the anonymous electronic coupon from the verification request; calculate a hash value of the extracted coupon attribute information according to a preset one-way hash function; decrypt the extracted coupon signature according to the public key of the digital asset operator to obtain decryption data; and confirm that the verification passes when the calculated hash value is consistent with the decryption data.

[0150] In one embodiment, the verification module is further configured to, when the verification amount in the verification request is greater than the coupon amount in the coupon attribute information of the anonymous electronic coupon, feedback a verification failure prompt message to the requesting end; when the verification amount in the verification request is equal to the coupon amount in the coupon attribute information of the anonymous electronic coupon, feedback a verification success prompt message to the requesting end and notify the requesting end that the anonymous electronic coupon has been fully verified; and when the verification amount in the verification request is less than the coupon amount in the coupon attribute information of the anonymous electronic coupon, use the difference between the verification amount and the coupon amount as a new coupon amount, update the coupon attribute information according to the new coupon amount, generate a new anonymous electronic coupon according to the updated coupon attribute information, and feedback the new anonymous electronic coupon to the requesting end.

[0151] In one embodiment, the electronic coupon generation device 900 further includes:

[0152] A query response module, configured to receive an information query request regarding an anonymous e-voucher, where the information query request carries a voucher code; query the voucher attribute information and usage status of the corresponding anonymous e-voucher according to the voucher code; and in response to the information query request, feedback the queried voucher attribute information and usage status.

[0153] In one embodiment, the e-voucher generation device 900 further includes:

[0154] A transfer response module, configured to receive a transfer request sent by the requesting end according to the anonymous e-voucher, where the transfer request carries a transfer object; extract the voucher attribute information of the anonymous e-voucher in the transfer request; verify the anonymous e-voucher according to the voucher attribute information, and when the verification is passed and the voucher attribute information indicates that the anonymous e-voucher is transferable, send a prompt message indicating that the anonymous e-voucher has been successfully transferred to the requesting end, and send the anonymous e-voucher to the transfer object.

[0155] In one embodiment, the e-voucher generation device 900 further includes:

[0156] A renewal response module, configured to receive a renewal request sent by the requesting end according to the anonymous e-voucher, where the renewal request carries a voucher code and a renewal duration; extract the voucher attribute information of the anonymous e-voucher in the renewal request; verify the anonymous e-voucher according to the voucher attribute information, and when the verification is passed and the voucher attribute information indicates that the anonymous e-voucher is renewable, generate a new expiration date according to the renewal duration, update the voucher attribute information according to the new expiration date, and generate a new anonymous e-voucher according to the updated voucher attribute information; feedback the new anonymous e-voucher to the requesting end.

[0157] After receiving the anonymous e-voucher issuance request initiated by the requesting party through the real-name digital asset account, the above-mentioned e-voucher generation device 900 queries the identity information associated with the real-name digital asset account in the voucher attribute information, and verifies the legality of the anonymous e-voucher issuance request based on the identity information. After the legality verification passes, since the anonymous e-voucher issuance request carries the voucher attribute information, and the voucher attribute information includes at least the real-name digital asset account and the voucher amount, and the real-name digital asset account is opened from the digital asset operator, it is possible to transfer digital assets from the real-name digital asset account to the digital asset operator according to the voucher amount in the voucher attribute information. After the digital asset transfer is successful, the private key of the digital asset operator is used to digitally sign the voucher attribute information to obtain the voucher signature. The voucher signature and the voucher attribute information constitute the anonymous e-voucher, and in response to the anonymous e-voucher issuance request, the anonymous e-voucher can be fed back to the requesting party. Thus, it realizes the support for consumers to issue anonymous e-vouchers according to their own wishes, and the anonymous e-vouchers are issued through real-name digital asset accounts, which can support payments in various scenarios. Compared with the e-vouchers made by merchants, they have stronger financial attributes and general practicability. At the same time, the e-vouchers also have anonymous attributes, which can protect consumers' personal privacy to a certain extent when making payments.

[0158] Each module in the above-mentioned e-voucher generation device 900 can be implemented in whole or in part by software, hardware, and their combinations. The above-mentioned modules can be embedded in the processor of the computer device in hardware form or be independent of it, or can be stored in the memory of the computer device in software form, so that the processor can call and execute the operations corresponding to the above-mentioned modules.

[0159] In one embodiment, a computer device is provided. The computer device can be a server, and its internal structure diagram can be as Figure 10 shown. The computer device includes a processor, a memory, an input / output interface (Input / Output, abbreviated as I / O), and a communication interface. Among them, the processor, the memory, and the input / output interface are connected through the system bus, and the communication interface is connected to the system bus through the input / output interface. 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 data related to anonymous e-vouchers. The input / output interface of the computer device is used to exchange information between the processor and external devices. The communication interface of the computer device is used to communicate with external terminals through a network connection. When the computer program is executed by the processor, it realizes an e-voucher generation method.

[0160] Those skilled in the art can understand,Figure 10 The structure shown is only a block diagram of some structures related to the solution of this application, and does not constitute a limitation on the computer device to which the solution of this application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine some components, or have a different component layout.

[0161] In one embodiment, a computer device is provided, including a memory and a processor. A computer program is stored in the memory, and when the processor executes the computer program, the steps of the electronic coupon generation method provided in the embodiments of this application are implemented.

[0162] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps of the electronic coupon generation method provided in the embodiments of this application are implemented.

[0163] In one embodiment, a computer program product is provided, including a computer program. When the computer program is executed by a processor, the steps of the electronic coupon generation method provided in the embodiments of this application are implemented.

[0164] 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 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, and the collection, use, and processing of relevant data need to comply with the relevant laws, regulations, and standards of relevant countries and regions.

[0165] Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program. 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 methods. Among them, any reference to a memory, database, or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memories. 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. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc. The databases involved in the embodiments provided in the present application can include at least one of relational databases and non-relational databases. Non-relational databases can include distributed databases based on blockchain, etc., without limitation. The processors involved in the embodiments provided in the present application can be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, data processing logics based on quantum computing, etc., without limitation.

[0166] The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity of description, 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, it should be considered as the scope described in this specification.

[0167] The above-described embodiments merely represent several implementation manners of the present application. The description thereof is relatively specific and detailed, but it should not be construed as a limitation on the patent scope of the present application. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present application, several modifications and improvements can still be made, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application should be subject to the appended claims.

Claims

1. An electronic coupon generation method, characterized in that, The method includes: Receiving an anonymous electronic voucher issuance request initiated by a requesting party through a real-name digital asset account, where the anonymous electronic voucher issuance request carries voucher attribute information, and the voucher attribute information at least includes the real-name digital asset account and the voucher amount, and the real-name digital asset account is opened from a digital asset operator; Querying identity information associated with the real-name digital asset account in the voucher attribute information, and performing legality verification on the anonymous electronic voucher issuance request according to the identity information; After the legality verification passes, transferring digital assets from the real-name digital asset account to the digital asset operator according to the voucher amount in the voucher attribute information; After the digital asset transfer is successful, digitally signing the voucher attribute information with the private key of the digital asset operator to obtain a voucher signature, and the voucher signature and the voucher attribute information constitute an anonymous electronic voucher; In response to the anonymous electronic voucher issuance request, feeding back the anonymous electronic voucher to the requesting party.

2. The method according to claim 1, wherein The voucher attribute information further includes at least one of the following information: Voucher code, voucher validity period, information on whether it can be transferred, information on whether it can be renewed, and the voucher code is unique.

3. The method according to claim 1, characterized in that The performing legality verification on the anonymous electronic voucher issuance request according to the identity information includes: Sending a face verification instruction to the requesting party; Receiving the face information collected and sent by the requesting party in response to the face verification instruction; Performing legality verification on the anonymous electronic voucher issuance request according to the received face information and the face information associated with the identity information.

4. The method according to claim 1, wherein The digitally signing the voucher attribute information with the public and private keys of the digital asset operator to obtain a voucher signature includes: Calculating the hash value of the voucher attribute information according to a preset one-way hash function; Encrypting the hash value with the private key of the digital asset operator to obtain a voucher signature.

5. The method according to claim 1, wherein The method further includes: Receiving a write-off request for an anonymous electronic voucher, where the write-off request includes the real-name digital asset account of the write-off party, the write-off amount, and the anonymous electronic voucher; Verifying the anonymous electronic voucher carried in the write-off request; After the verification passes, transferring digital assets to the real-name digital asset account of the write-off party according to the write-off amount in the write-off request.

6. The method according to claim 5, characterized in that, The verifying the anonymous electronic voucher carried in the write-off request includes: Extracting the voucher attribute information and the voucher signature of the anonymous electronic voucher from the write-off request; Calculating the hash value of the extracted voucher attribute information according to a preset one-way hash function; Decrypting the extracted voucher signature with the public key of the digital asset operator to obtain decryption data; Confirming that the verification passes when the calculated hash value is consistent with the decryption data.

7. The method according to claim 5, wherein The method further includes: When the write-off amount in the write-off request is greater than the voucher amount in the voucher attribute information of the anonymous electronic voucher, feeding back a write-off failure prompt message to the requesting party; When the write-off amount in the write-off request is equal to the voucher amount in the voucher attribute information of the anonymous electronic voucher, feeding back a write-off success prompt message to the requesting party and notifying the requesting party that the anonymous electronic voucher has been fully written off; When the cancellation amount in the cancellation request is less than the coupon amount in the coupon attribute information of the anonymous e-coupon, the difference between the cancellation amount and the coupon amount is used as the new coupon amount, the coupon attribute information is updated according to the new coupon amount, a new anonymous e-coupon is generated according to the updated coupon attribute information, and the new anonymous e-coupon is fed back to the requesting end.

8. The method according to claim 1, wherein The method further includes: Receiving an information query request for an anonymous e-coupon, where the information query request carries a coupon code; Querying the coupon attribute information and usage status of the corresponding anonymous e-coupon according to the coupon code; In response to the information query request, feeding back the queried coupon attribute information and usage status.

9. The method according to claim 1, characterized in that, The method further includes: Receiving a transfer request sent by the requesting end according to the anonymous e-coupon, where the transfer request carries a transfer object; Extracting the coupon attribute information of the anonymous e-coupon in the transfer request; Verifying the anonymous e-coupon according to the coupon attribute information. When the verification passes and the coupon attribute information indicates that the anonymous e-coupon is transferable, sending a prompt message that the anonymous e-coupon has been successfully transferred to the requesting end, and sending the anonymous e-coupon to the transfer object.

10. The method according to claim 1, characterized in that The method further includes: Receiving a renewal request sent by the requesting end according to the anonymous e-coupon, where the renewal request carries a coupon code and a renewal duration; Extracting the coupon attribute information of the anonymous e-coupon in the renewal request; Verifying the anonymous e-coupon according to the coupon attribute information. When the verification passes and the coupon attribute information indicates that the anonymous e-coupon is renewable, generating a new expiration date according to the renewal duration, updating the coupon attribute information according to the new expiration date, and generating a new anonymous e-coupon according to the updated coupon attribute information; Feeding back the new anonymous e-coupon to the requesting end.

11. An electronic coupon generation device, characterized in that, The device includes: A receiving module, configured to receive an anonymous e-coupon issuance request initiated by a requesting end through a real-name digital asset account, where the anonymous e-coupon issuance request carries coupon attribute information, and the coupon attribute information at least includes the real-name digital asset account and the coupon amount, and the real-name digital asset account is opened from a digital asset operator; A verification module, configured to query identity information associated with the real-name digital asset account in the coupon attribute information, and perform a legality verification on the anonymous e-coupon issuance request according to the identity information; A transfer module, configured to transfer digital assets from the real-name digital asset account to the digital asset operator according to the coupon amount in the coupon attribute information after the legality verification passes; A signature module, configured to digitally sign the coupon attribute information with the private key of the digital asset operator to obtain a coupon signature after the digital asset transfer is successful, and the coupon signature and the coupon attribute information constitute an anonymous e-coupon; A feedback module, configured to feed back the anonymous e-coupon to the requesting end in response to the anonymous e-coupon issuance request.

12. A computer device, comprising a memory and a processor, the memory storing a computer program, characterized in that, When the processor executes the computer program, the steps of the method according to any one of claims 1 to 10 are implemented.

13. 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 10 are implemented.

14. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 10.

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